Post on 31-Dec-2016
Laporan Tahunan 2014 Annual Report
Developing Through TransformationBerkembang Melalui Transformasi
Laporan tahunan ini memuat pernyataan kondisi keuangan, hasil operasi, proyeksi, rencana,
strategi, kebijakan, serta tujuan Perseroan, yang digolongkan sebagai pernyataan ke depan
dalam pelaksanaan perundang-undangan yang berlaku, kecuali hal-hal yang bersifat
historis. Pernyataan-pernyataan tersebut memiliki prospek risiko, ketidakpastian, serta dapat
mengakibatkan perkembangan aktual secara material berbeda dari yang dilaporkan.
Pernyataan-pernyataan prospektif dalam laporan tahunan ini dibuat berdasarkan berbagai
asumsi mengenai kondisi terkini dan kondisi mendatang Perseroan serta lingkungan bisnis di
mana Perseroan menjalankan kegiatan usaha. Perseroan tidak menjamin bahwa dokumen-
dokumen yang telah dipastikan keabsahannya akan membawa hasil-hasil tertentu sesuai
harapan.
Laporan tahunan ini memuat kata Perseroan dan Bank Sinarmas yang didefinisikan
sebagai PT. Bank Sinarmas Tbk. yang menjalankan bisnis dalam bidang perbankan. Adakalanya
kata Perusahaan juga digunakan atas dasar kemudahan untuk menyebut PT. Bank Sinarmas
Tbk. secara umum.
Laporan Tahunan PT. Bank Sinarmas Tbk. yang berakhir pada 31
Desember 2014 ini diterbitkan sesuai dengan Peraturan Bank Indonesia
No. 3/22/PBI/2001 tentang Transparansi Kondisi Keuangan Bank dan
juga Keputusan Ketua Badan Pengawas Pasar Modal dan Lembaga
Keuangan 431/BL/2012 Peraturan No. X.K.6 tentang Kewajiban
Penyampaian Laporan Tahunan Bagi Emiten atau Perusahaan Publik.
Penyebutan satuan mata uang Rupiah, Rp atau IDR merujuk pada
mata uang resmi Republik Indonesia, sedangkan Dolar AS atau USD
merujuk pada mata uang resmi Amerika Serikat. Semua informasi
keuangan disajikan dalam mata uang Rupiah sesuai dengan Standar
Akuntasi Keuangan Indonesia.
Laporan Tahunan Bank Sinarmas 2014 disajikan dalam dua bahasa
yaitu Bahasa Indonesia dan Bahasa Inggris dengan menggunakan jenis
dan ukuran huruf yang mudah dibaca dan dicetak dengan kualitas
yang baik. Laporan Tahunan ini dapat dilihat dan diunduh di website
resmi Bank Sinarmas yaitu www.banksinarmas.com.
The Annual Report of PT. Bank Sinarmas Tbk. for the year ended on
December 31, 2014 is published in accordance with the Regulation
of Bank Indonesia No. 3/22/PBI/2001 regarding the Transparency of
Banks Financial Condition, and Decision of the Head of Capital Market
Supervisory Board and Financial Institutions 431/BL/2012 Regulation
No. X.K.6 on the Oblgation to Submit Annual Report for Issuers or
Public Company.
The currency of Rupiah, Rp or IDR throughout this report refers to
the official currency of the Republic of Indonesia, while US Dollar refers
to the official curreny of the US. All financial infromation is presented in
Rupiah currency in accordance with the Indonesia Financial Accounting
Standards.
The 2014 Annual Report of Bank Sinarmas is presented bilingually,
both in Bahasa Indonesia and English, in which the English part uses
fonts of other types and sizes. It is also published in good quality. This
Annual Report can be read and downloaded from the offical website of
Bank Sinarmas, namely www.banksinarmas.com.
Sanggahan Dan Batasan Tanggung Jawab
About The 2014 Annual Report of Bank Sinarmas
Disclaimer
Tentang Laporan Tahunan Bank Sinarmas 2014
This annual report contains financial condition, operation results, projections, plans, strategies,
policy, as well as the Companys objectives, which is classified as forward-looking statements in
the implementation of the applicable laws, excluding historical matters. Such forward-looking
statements are subject to known and unknown risks (prospective), uncertainties, and other
factors that could cause actual results to differ materially from expected results.
Prospective statements in this annual report are prepared based on numerous assumptions
concerning current conditions and future events of the Company and the business environment
where the Company conducts business. The Company shall have no obligation to guarantee
that all the valid document presented will bring specific results as expected.
This annual report contains the word Company and Bank Sinarmas hereinafter referred
to PT. Bank Sinarmas Tbk., as the company that runs business in banking industry. The word
Company is at times used to simply refer to PT. Bank Sinarmas Tbk. in general.
Annual Report 2014 | PT. BANK SINARMAS Tbk. 1
Penyusunan Laporan Tahunan Bank Sinarmas merujuk pada ketentuan-
ketentuan yang berlaku mengenai penyajian keterbukaan informasi
yang harus disampaikan dalam Laporan Tahunan yang terdiri dari
beberapa bab, sebagai berikut:
ProfilPerusahaan
Menyajikan berbagai informasi umum mengenai Bank Sinarmas,
yang meliputi sejarah pendirian Bank Sinarmas, Visi dan Misi,
Pemegang Saham dan Komposisi Kepemilikan Saham, berbagai
penghargaan yang diterima oleh Bank Sinarmas, hingga Peta
Operasional. Selain informasi umum, terdapat laporan manajemen
dari Komisaris dan Direktur Utama. Profil Bank Sinarmas
selengkapnya dapat dilihat pada halaman 41 hingga 125.
Analisis dan Pembahasan Manajemen Atas Kinerja Bank
Sinarmas
Menyajikan deskripsi analisis atas kinerja Bank Sinarmas yang
meliputi tinjauan industri perbankan, tinjauan bisnis, tinjauan
operasional, tinjauan keuangan, termasuk aspek pemasaran yang
terdiri dari strategi pemasaran dan pangsa pasar. Analisis dan
Pembahasan Manajemen atas Kinerja Bank Sinarmas selengkapnya
dapat dilihat pada halaman 127 hingga 171.
TataKelolaPerusahaan
Menyajikan informasi mengenai penerapan tata kelola perusahaan
yang diimplementasikan Bank Sinarmas secara lengkap dan
menyeluruh sesuai dengan Pedoman Umum GCG oleh KNKG. Tata
Kelola Perusahaan selengkapnya dapat dilihat pada halaman 173
hingga 393.
The drafting of Bank Sinarmas Annual Report refers to the prevailing
stipulations on the presentation of information disclosure that must be
submitted in the Annual Reports which consisted of several chapters,
namely:
CompanyProfile
Providing various general information regarding Bank Sinarmas,
encompassing the establishment history of the Bank, Vision and
Mission, Shareholders and the Composition, awards received by
the Bank suring the year, as well as operational map. In addition to
the general information, there will also be Reports from the Board
of Commissioners and Board of Directors. Detailed Profile of Bank
Sinarmas can be read on page 41 to 125.
ManagementDiscussionandAnalysison thePerformance of
Bank Sinarmas
This chapter provides analytical description on the performance
of Bank Sinarmas which encompasses banking industry overview,
business overview, operational overview, financial overview, as well
as marketing aspects which include marketing strategy and market
share. Management Discussion and Analysis on the performance of
Bank Sinarmas can be read on page 127 to page 171
CorporateGovernance
Provides detailed and comprehensive information on the
implementation of corporate governance by Bank Sinarmas
in accordance with GCG General Guidelines issued by KNKG.
Information on Corporate Governance of the Bank can be read on
page 173 to 393.
PenyajianInformasiDalam Laporan Tahunan Bank Sinarmas 2014Information on The Presentation of 2014 Annual Report of Bank Sinarmas
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20142
Bank Sinarmas senantiasa melanjutkan budaya
melayani di setiap kegiatan operasional
perusahaan dalam hubungan bersama nasabah,
pemangku kepentingan, dan masyarakat luas.
Sesuai dengan asas kami, pelayanan prima
bagi nasabah dapat menambah kepuasaan dan
kepercayaan nasabah pada Bank Sinarmas.
Seiring dengan semangat mendukung budaya
bangsa, Bank Sinarmas mempersembahkan
tema Melanjutkan Budaya Melayani dengan
sentuhan elemen tradisional. Tari selamat
datang dari Bali menjadi simbol penyambutan,
ramah tamah, dan pelayanan yang menjadi
budaya Perusahaan dalam berkarya.
Bank Sinarmas continues to serve the people
of Indonesia in all operational aspects of the
company, particularly in the relationship with the
customres, stakeholders, and society in general.
In line with our principles, premium service for
the customer, we strive to gain satisfaction and
trusts from all customers of the Bank.
Accompanied with the spirit to support the
nations culture, Bank Sinarmas presented
the theme of Continuing the Culture of
Serving with a touch of traditional elements
in it. The Balinese welcoming dance symbolizes
the welcoming atmosphere, hospitality and
excellent service of Bank Sinarmas that serve as
our culture in carrying out business activities.
Perusahaan yang besar terbentuk berdasarkan
kinerja maksimal yang didukung oleh budaya
Perusahaan yang baik. Bank Sinarmas bertekad
untuk meraih pencapaian terbaik dengan
melestarikan tradisi yang baik di Perusahaan
dan senantiasa memanfaatkan potensi dan
peluang yang tumbuh di tengah dinamika
perkembangan bisnis guna meraih kesuksesan
di masa mendatang.
Melalui semangat Consistency Striving for
Excellence, kami memvisualisasikan semangat
tersebut dengan memadukan elemen tradisional
Indonesia yang tetap kami pertahankan dalam
setiap tema laporan tahunan. Tari Kancet Lasan
dari suku Dayak menjadi tanda keagungan.
Tarian ini juga sering disajikan dalam
penyambutan tamu dan acara-acara lainnya.
A reputable company is a fruit from perseverance
to exert maximum efforts, coupled with spirit
to internalize corporate culture within the
company. We are determined to reach the best
achievements by keep maintaining our good
tradition while studying every single potential
and opportunity amid the vibrant business
development to attain success in the future.
Through a Consistency Striving for Excellence
spirit, we strive to give a dynamic performance
to keep being in line with the economic
development. We are now revealing a business
policy reflecting an underlying quality of the
Companys performance.
Theme Continuity of Annual Reports of Bank Sinarmas (2012-2014)
KesinambunganTemaLaporanTahunan Bank Sinarmas (2012-2014)
Annual Report 2014 | PT. BANK SINARMAS Tbk. 3
Indonesia memiliki banyak kesenian tari tradisional yang
membanggakan. Tarian-tarian tersebut terus diwariskan
dari waktu ke waktu. Keindahan tarian tradisional kami
visualisasikan dalam gambar silhouette dengan aksen batik,
ukiran dan satwa khas Indonesia.
Tari Topeng Betawi, diangkat karena berasal dari Jakarta yang
merupakan domisili Kantor Pusat Bank Sinarmas. Selain itu, Tari
Topeng Betawi memiliki konsep unik yang memiliki ciri khas
berbeda dari tari topeng lainnya.
Tari Piring, diangkat karena filosofinya yang energik dan
dinamis, sebagaimana Bank Sinarmas yang berkembang secara
dinamis sesuai dengan kebutuhan pasar dan nasabah. Tarian
ini juga dilakukan secara berkelompok yang mencerminkan
kerja sama.
Tari Rantak Kudo, perpaduan antara gerakan yang penuh
filosofi dengan pencak silat. Beberapa teknik gerakan dalam
tari ini memiliki makna inisiatif, kewaspadaan, arif, dan
kemampuan yang diukur dengan baik.
Tema Developing Through Transformation sangat tepat
menggambarkan visi dan misi perusahaan serta cita-cita
Bank untuk menjadi Payment & Transaction Bank dengan
melakukan transformasi di bidang SDM dan TI Bank.
Indonesia is proud of its rich cultural background, particularly
its traditional dances. Over time, the dances are inherited to the
next generation to preserve its cultural values. Thus, by referring
to these fundamentals, we chose the beauty of Indonesias
traiditional dances and visualizes them in silhouette, patterned
in batik, carvings, and endemic faunas of Indonesia.
Tari Topeng Betawi (Betawis Mask Dance) is uplifted due to
its origin of Jakarta, which is the location of Bank Sinarmas
Main Office. Furthermore, this dance has a unique concept that
differentiate it from other mask dances in the nation.
Tari Piring (Piring Dance) is higlighted due to its philosophy
value that shows energy and dynamic, similar to the Bank that
continues to develop dynamically in line with the requirements
from the market and customers. This dance is performed in
group and reflects the spirit of cooperation.
Tari Rantak Kudo (Rantak Kudo Dance) is a dance that combines
philosophical movements with pencak silat movements. Several
dance sequences in this traditional dance describe initiative,
awareness, wisdom, and capabilities that are well measured.
Our theme of Developing Through Transformation is
observed as the most appropriate to describe vision and mission,
as well as the target of the Bank to become a Payment and
Transaction Bank through transformation in the aspect of
Human Resources and Information Technology.
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20144
Table of Content
DaftarIsi2 Kesinambungan Tema Laporan
Tahunan Bank Sinarmas (2012-2014)
Theme Continuity of Annual Reports
of Bank Sinarmas (2012-2014)
KILASKINERJA2014FLASHBACK PERFORMANCE OF 20148 Ikhtisar Keuangan
Financial Highlights
10 Ikhtisar Saham
Stock Highlights
12 Peristiwa Penting
Significant Events
18 Penghargaan dan Sertifikasi
Awards and Certifications
LAPORANMANAJEMENMANAGEMENT REPORT22 Laporan Dewan Komisaris
Board of Commissioners Report
30 Laporan Direksi
Board of Directors Report
PROFILPERUSAHAANCOMPANy PROFILE42 Identitas Perusahaan
Corporate Identity
45 Visi dan Misi
Vision and Mission
46 Bidang Usaha
Line of Business
58 Jejak Langkah
Milestones
64 Struktur Organisasi Bank Sinarmas
Organization Structure of Bank
Sinarmas
66 Profil Dewan Komisaris
Board of Commissioners Profile
69 Profil Direksi
Board of Directors Profile
77 Manajemen Senior
Senior Management
78 Struktur Grup Perusahaan
Company Group Structure
80 Komposisi Pemegang Saham
Share Ownership Composition
81 Informasi Pemegang Saham Utama
dan Pengendali
Information on Main and Controlling
Shareholders
82 Sumber Daya Manusia
Human Resources
95 Testimoni Karyawan
Testimonials from Employees
96 Testimoni Mitra Usaha
Testimonials from Business Partners
98 Teknologi Informasi
Information Technology
103 Lembaga Profesi Penunjang Pasar
Modal
Capital Market Supporting Institutions
103 Jaringan
Network
104 Peta Operasional Dan Alamat Kantor
Cabang
Operational Map and Branch Office
Addresses
106 Alamat Kantor Cabang
Branch Office Address
ANALISISDANPEMBAHASANMANAJEMENMANAGEMENT DISCUSSIONAND ANALySIS128 Tinjauan Umum Ekonomi Global
Global Economic Overview
129 Tinjauan Umum Ekonomi Indonesia
Indonesias Economic Overview
130 Tinjauan Industri Perbankan
Banking Industry Overview
131 Tinjauan Operasional Per Segmen
Usaha
Operational Overview Per Business
Segment
139 Analisis dan Pembahasan Kinerja
Keuangan
Financial Performance Analysis and
Discussion
147 Target dan Realisasi 2014 serta
Proyeksi Keuangan 2015
Target and Realization 2014 and
Financial Projection 2015
148 Kemampuan Membayar Utang dan
Tingkat Kolektibilitas Piutang
The Capacity To Pay Debts and the
Level of Receivables Collectability
148 Struktur Modal Dan Kebijakan
Manajemen Atas Struktur Modal
Capital Structure and Management
Policy regarding Capital Structure
150 Ikatan yang Material untuk Investasi
Barang Modal
Material Ties for the Investment of
Capital Goods
150 Informasi Dan Fakta Material yang
Terjadi Setelah Tanggal Laporan
Akuntan
Information and Fact Material
Subsequent to the Date of Accountant
151 Informasi Material Mengenai Investasi,
Ekspansi, Divestasi, Restrukturisasi
Utang/Modal
Material Information On Investments,
Expansion, Divestments, Capital/Debt
Restructuring
152 Informasi Transaksi Material yang
Mengandung Benturan Kepentingan
dan Transaksi Dengan Pihak Berelasi
Material Information Transaction
Which Contains Conflict of Interest
and Transaction with Related Parties
153 Kebijakan Suku Bunga Bank Sinarmas
Bank Sinarmas Interest Rate Policy
154 Aspek Pemasaran
Marketing Aspects
155 Kebijakan Dividen
Dividend Policy
156 Realisasi Dana Hasil Penawaran Umum
Realization of Funds from Public
Offering
157 Perubahan Peraturan
Perundangundangan yang
Berpengaruh
The Change of Influenced Laws and
Regulations
163 Perubahan Kebijakan Akuntansi
The Change of Accountant Policy
169 Prospek Usaha
Business Prospects
171 Strategi yang Telah Ditempuh pada
2014 dan Strategi Ke Depan
Strategies That Have Been Taken in
2014 and Future Strategies
TINJAUANUNIT-UNITBISNISOVERVIEW OF BUSINESS UNITS174 Unit Usaha Syariah
Sharia Business Units
174 Profil Unit Usaha Syariah PT.
Bank Sinarmas Tbk.
Profile of Sharia Business Units
PT. Bank Sinarmas Tbk.
175 Visi, Misi dan Nilai Sharia
Vision, Mission and Sharia Value
176 Jejak Langkah
Milestone
Annual Report 2014 | PT. BANK SINARMAS Tbk. 5
178 Dewan Pengawas Syariah
Sharia Super Visory Board
182 Direktur Unit Usaha Syariah
Board of Directors of Sharia
Business Unit
187 Komite Di Bawah Direksi UUS
Committees Under The Board
of Director
190 Tinjauan Operasi Per Segmen
Usaha
Committees Under The Board
of Director
200 Kinerja Keuangan
Financial Performance
203 Tata Kelola Perusahaan
Implementation Of Good
Corporate Governance
215 Tanggung Jawab Sosial
Perusahaan
Corporate Social Responsibility
216 Manajemen Risiko
Risk Management
216 Sistem Penerapan Manajemen Risiko
Risk Management Implementation
System
219 Evaluasi Atas Efektivitas Sistem
Manajemen Risiko
Evaluati on of Effectivity of Risk
Management System
220 Jenis Risiko Dan Pengelolaanya
Types Of Risks And Its Management
TATAKELOLAPERUSAHAANGOOD CORPORATE GOVERNANCE288 Dasar Penerapan Tata Kelola
Perusahaan
The Implementation of Good
Corporate Governance
290 Implementasi Tata Kelola Perusahaan
The Implementation of Corporate
Governance
291 Penilaian Tata Kelola Perusahaan
Corporate Governance Assessment
292 Peta Arah Tata Kelola Perusahaan
Peta Arah Tata Kelola Perusahaan
292 Struktur Tata Kelola Perusahaan
The Corporate Governance Structure
295 Rapat Umum Pemegang Saham (RUPS)
General Meeting of Shareholderds
(GMS)
305 Dewan Komisaris
Board of Commissioners
314 Direksi
Board of Directors
332 Hubungan Kerja Dewan Komisaris dan
Direksi
Work Relation of The Board of
Commissioners and Board of Directors
337 Kebijakan dan Prosedur Penetapan
Remunerasi Direksi
Policies and Procedures of The
Board of Directors Remuneration
Determination
339 Assessment Dewan Komisaris dan
Direksi
Assessment of The Board of
Commissioners and Board of Directors
340 Komite-Komite Di Bawah Dewan
Komisaris
Committees Under The Board of
Commissioners
340 Komite Audit
Audit Committee
344 Komite Pemantau Risiko
Risk Monitoring Committee
349 Komite Remunerasi dan Nominasi
Committee of Remuneraion and
Nomination
354 Komite Good Corporate Governance
Komite Good Corporate Governance
(GCG)
358 Komite-Komite Di Bawah Direksi
Committees Under Board of Directors
358 Asset & Liability Management
Committee (ALCO)
Asset & Liability Management
Committee (ALCO)
259 Komite Kredit Korporasi
Companys Credit Committee
360 Komite Information Technology
Information Technology Committee
361 Komite Manajemen Risiko
Risk Management Committee
362 Komite Human Capital Management
(HCM)
Human Capital Management
Committee (HCM)
363 Satuan Kerja Audit Internal (SKAI)
Internal Audit Work Unit
368 Sistem Pengendalian Internal (SPI)
Internal Supervision System
369 Satuan Kerja Manajemen Risiko
(SKMR)
Risk Management Work Unit
371 Satuan Kerja Kepatuhan (SKK)
Compliance Work Unit
378 Sekretaris Perusahaan
Corporate Secretary
382 Akuntan Publik
Public Accountant
383 Transaksi yang Mengandung Benturan
Kepentingan
Transaction Containing Conflicts of
Interest
383 Perkara Perusahaan
Legal Cases
383 Akses Informasi Perusahaan
Access to Company Information
384 Buy Back Shares dan Buy Back Obligasi
Bank
Buy Back Shares and Buy Back Obligasi
Bank
384 Kode Etik Dan Pedoman Tingkah Laku
Codes of Conduct
385 Budaya Bank Sinarmas
Bank Sinarmas Culture
388 Sistem Pelaporan Pelanggaran
Whistleblowing System
390 Penyimpangan Internal
Internal Fraud
393 Praktik Bad Corporategovernance
Bad Corporate Governance Practice
393 Keberagaman Komposisi Dewan
Pengawas dan Direksi
Diversity of The Composition of The
Board of Supervisors And Board of
Directors
TINJAUANUNIT-UNITBISNISOVERVIEW OF BUSINESS UNITS396 Filosofi dan Dasar Kebijakan Tanggung
Jawab
Philosophy And Basic Policy Of
Responsibility
398 Tanggung Jawab Sosial Bidang
Ketenagakerjaan, Kesehatan, dan
Keselamatan Kerja
Corporate Social Responsibility on
Manpower Occupational Health and
Saftey
399 Tanggung Jawab Sosial Perusahaan
Terhadap Kelestarian Lingkungan
Corporate Social Responsibility on The
Environment
400 Tanggung Jawab Sosial Bidang
Pengembangan Sosial dan
Kemasyarakatan
Corporate Social Responsibility on
Social and Community Development
402 Tanggung Jawab Sosial Terhadap
Kepada Nasabah
Corporate Social Responsibility To The
Customers
Surat Pernyataan Anggota Dewan Komisaris
dan Direksi Tentang Tanggung Jawab atas
Laporan Tahunan 2014 PT Bank Sinarmas
Tbk
Statement of Members of Board of
Commissioners and Board of Directors on the
Responsibility for the 2014 Annual Report of
PT Bank Sinarmas Tbk
LAPORANKEUANGANKONSOLIDASI
CONSOLIDATED FINANCIAL STATEMENT
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20146
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 7
KilasKinerja2014Flashback Performance of 2014
01
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 20148
Uraian 2012 2013 2014 Description
LAPORANLABARUGI STATEMENTSOFINCOME
Pendapatan Bunga Bersih 780.192 826.360 987.625 Net Interest Revenues
Pendapatan di luar Bunga 171.150 275.230 251.106 Non Interest Revenues
Pendapatan Operasional 1.622.734 1.665.377 2.045.612 Operating Revenues
Beban Operasional 1.337.255 1.379.277 1.844.717 Operating Expensess
Laba Sebelum Pajak 285.479 286.100 200.895 Income Before Tax
Laba Bersih 227.906 221.100 154.932 Net Income
Jumlah Laba Komprehensif 233.351 221.156 159.624 Total Comprehensive Income
Laba Bersih per Saham Earning per Share
Dasar 23,57 17,87 11,80 Basic
Dilusian 20,15 16,50 11,56 Dilluted
LAPORANPOSISIKEUANGAN STATEMENTSOFFINANCIALPOSITION
Jumlah Aset 15.151.892 17.447.455 21.259.549 Total Assets
Aset Produktif 12.668.515 14.562.067 17.991.951 Earning Assets
Dana Pihak Ketiga 12.860.714 13.819.061 16.946.231 Third Party Fund
Jumlah Ekuitas 1.825.608 2.754.260 3.160.482 Total Equity
RASIOKEUANGAN FINANCIALRATIOS
Permodalan Equity
Pemenuhan modal minimum 18,09% 21,82% 18,38% Capital Adequacy Ratio (CAR)
Aset tetap terhadap modal 34,74% 26,85% 26,71% Fixed Assets to Total Equity
AsetProduktif EarningAssets
Aset produktif bermasalah terhadap total aset produktif
2,63% 1,88% 2,33%
Kredit bermasalah (NPL)-bruto 3,18% 2,50% 3,00% Non-Performing Loan (NPL) - Gross
Kredit bermasalah (NPL)-neto 2,57% 2,12% 2,56% Non-Performing Loans (NPL) - net
PPAP-CKPN terhadap aset produktif 0,73% 0,39% 0,46% Provision to Earning Assets
Pemenuhan PPA-CKPN 100,00% 100,00% 100,00% Provisiom Compliance
Rentabilitas Profitability
Laba terhadap total aset (ROA) 1,74% 1,71% 1,02% Return of Assets (ROA)
Laba terhadap ekuitas (ROE) 15,42% 9,23% 5,72% Return on Equity (ROE)
Marjin bunga bersih 5,72% 5,23% 5,87% Net Interest Margin (NIM)
Biaya operasional/Pendapatan operasional (BOPO)
83,75% 83,25% 91,35% Operational Expenses/Operational Income
Likuiditas Liquidity
Kredit terhadap dana yang dihimpun (LDR)
80,78% 78,72% 83,88% Loans to Deposit Ratio (LDR)
Kepatuhan
Presentase pelanggaran BMPK - - - Percentage of Legal Lending Limit Violation
Pihak terkait Nil Nil Nil Related Parties
Pihak tidak terkait Nil Nil Nil Non Related Parties
IKHTISAR KEUANGANFinancial Highlights
Dalam jutaan Rupiah atau dinyatakan dalam bentuk lain | In million Rupiah unless stated otherwise
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 9
Uraian 2012 2013 2014 Description
PresentasepelampauanBMPK PercentageofLegalLendingLimitExcesses
Pihak terkait Nil Nil Nil Related Parties
Pihak tidak terkait Nil Nil Nil Non Related Parties
Giro wajib minimum (Rupiah) 9,45% 9,37% 8,64% Minimum Balance with Bank Indonesia (Rupiah)
Posisi devisa neto 6,58% 0,75% 0,18% Net Open Position
2012 2012
2012 2012
15.151.892 1.825.608
987.625 13.819.061
21.259.549 3.160.482
16.946.231
17.447.455 2.754.260
2013 2013
2013 2013
2014 2014
2014 2014
Pendapatan Bunga BersihNet Interest Revenues
Dana Pihak KetigaThird Party Fund
Jumlah AsetTotal Assets
Jumlah EkuitasTotal Equity
826.360780.19212.860.714
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Kilas Kinerja 2014Flashback Performance of 2014
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IKHTISAR SAHAMStock Highlights
TriwulanBulanMonth
Kurs(RG)PeredaranSahamdiPasarRegulerShare Circulation in Regular Market JumlahSaham
TercatatAmount of Listed
Share
KapitalisasiPasarCapitalization Market
TertinggiHigh
TerendahLow
PenutupanEnd
VolumeNilaiValue
FrekuensiFrequency
(Rp) (Rp) (Rp) (Unit) (Rp) (X)
I
Januari / January 235 215 230 1.801.500 402.670.000 336 10.148.836.246 2.334.232.336.580
Februari / February 275 220 250 21.194.500 5.321.610.000 3.187 10.148.837.282 2.537.209.320.500
Maret / March 290 240 255 70.648.500 18.967.992.500 14.201 10.149.362.282 2.588.087.381.910
II
April / April 305 245 255 110.570.500 31.396.440.000 16.055 12.864.922.291 3.280.555.184.205
Mei / May 260 245 255 8.052.000 2.034.870.000 876 12.864.922.291 3.280.555.184.205
Juni / June 255 220 255 4.358.500 1.016.302.500 410 12.975.346.668 3.308.713.400.340
III
Juli / July 240 225 235 3.201.500 736.897.500 313 12.976.125.168 3.049.389.414.480
Agustus / August 240 225 225 5.466.500 1.259.672.500 1.079 12.977.636.668 2.919.968.250.300
September / September
240 225 230 4.876.000 1.113.287.500 411 12.978.255.668 2.984.998.803.640
IV
Oktober / October 250 225 250 2.504.000 584.662.500 375 12.978.255.668 3.244.563.917.000
November / November
255 235 245 4.216.500 1.036.875.000 384 12.978.756.498 3.179.795.342.010
Desember / December
245 235 240 4.821.500 1.172.805.000 627 12.981.631.498 3.115.591.559.520
TriwulanBulanMonth
Kurs(RG)PeredaranSahamdiPasarRegulerShare Circulation in Regular Market JumlahSaham
TercatatAmount of Listed
Share
KapitalisasiPasarCapitalization Market
TertinggiHigh
TerendahLow
PenutupanEnd
VolumeNilaiValue
FrekuensiFrequency
(Rp) (Rp) (Rp) (Unit) (Rp) (X)
I
Januari / January 253 235 250 6.540.700 1.613.786.900 301 12.985.531.698 3.246.382.924.500
Februari / February 255 249 250 8.023.700 2.006.327.700 269 12.985.531.698 3.246.382.924.500
Maret / March 252 236 252 2.458.800 614.726.400 120 12.987.589.702 3.272.872.604.904
II
April / April 275 250 274 5.125.400 1.343.830.000 302 12.987.589.702 3.558.599.578.348
Mei / May 275 269 270 6.070.100 1.639.435.700 490 12.989.113.102 3.507.060.537.540
Juni / June 284 270 280 8.675.000 2.416.926.900 4.139 13.001.180.935 3.640.330.661.800
III
Juli / July 285 262 284 58.073.300 16.259.632.300 2.738 13.003.797.135 3.693.078.386.340
Agustus / August 284 272 280 2.054.500 573.540.600 864 13.003.797.135 3.641.063.197.800
September / September
288 271 283 7.661.000 2.160.996.000 3537 13.895.104.424 3.932.314.551.992
IV
Oktober / October 284 263 275 495.300 134.387.200 206 13.895.104.424 3.821.153.716.600
November / November
280 240 270 1.708.500 461.212.000 876 13.895.104.424 3.751.678.194.480
Desember / December
339 273 339 17.003.000 5.116.973.300 5990 13.895.104.424 4.710.440.399.736
PeriodeJanuari-Desember2014
PeriodeJanuari-Desember2013
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Tata Kelola PerusahaanGood Corporate Governance
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Annual Report 2014 | PT. BANK SINARMAS Tbk. 11
Q1 Q2 Q3 Q4
GrafikVolumePerdagangan
120.000.000
100.000.000
80.000.000
60.000.000
40.000.000
20.000.000
2014 6.540. 700 8.023.700 2.458.800 5.125.400 6.070.100 8.675.000 58.073.300 2.054.500 7.661.000 495.300 1.708.500 17.003.000
2013 1.801.500 21.194.500 70.648.500 110.570.500 8.052.000 4.358.500 3.201.500 5.466.500 4.876.000 2.504.000 4.216.500 4.821.500
Q1 Q2 Q3 Q4
GrafikKapitalisasiPasar
5.000
4.000
3.000
2.000
1.000
2014 3.246 3.246 3.273 3.559 3.507 3.641 3.693 3.641 3.932 3.821 3.752 4.710
2013 2.334 2.537 2.588 3.281 3.281 3.309 3.049 2.920 2.985 3.245 3.180 3.116
Q1 Q2 Q3 Q4
GrafikHargaSaham
350
300
250
200
150
100
50
2014 250 250 252 274 270 280 284 280 283 275 270 339
2013 230 250 255 255 255 255 235 225 230 250 245 240
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PERISTIWA PENTINGSignificant Events
13Februari2014
Penandatangan Percepatan Pendalaman Pasar
Repo antar Bank di Bank Indonesia
February13,2014
Signing of the Acceleration and Deepening of
Repo Market
14Februari2014
Penandatanganan Mini Master Repurchase
Agreement (Mini MRA) antar Bank di Menara
BNI
February14,2014
Signing of Mini Master Repurchase Agreement
(Mini Mra) Inter Bank at BNI Tower
24Februari2014
Penarikan Undian Simas Lion Ticket di Metro TV
February24,2014
Drawing of Simas Lion Ticket Lottery at Metro
Tv
1
2
3
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 13
26Februari2014
Penandatanganan Master Repo Agreement
Bank Mandiri dan Bank Umum Nasional di
Plaza Mandiri
February26,2014
Signing of Master Repor Agreement between
Bank Mandiri and National Public Banks at
Plaza Mandiri
13Maret2014
Program Pelatihan Manajemen Usaha Mikro
Kecil Bank Sinarmas dengan P2EB Universitas
Gajah Mada di yogyakarta
March13,2014
Management Training Program for Micro and
Small Enterprises of Bank Sinarmas with P2eb
Gadjah Mada University in yogyakarta
19Maret2014
Peresmian Mobil Kas Bank Sinarmas di Sinarmas
Land Plaza
March19,2014
Launching of Bank Sinarmas Cash Car at
Sinarmas Land Plaza
4
5
6
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5Mei2014
Forum Regional Rollout Bank Sinarmas bersama
seluruh Kantor Wilayah di Plaza Simas
May5,2014
Rollout Regional Forum of Bank Sinarmas
together with all Regional Offices at Plaza Simas
13Juni2014
RUPST dan RUPSLB Bank Sinarmas di Sinarmas
Land Plaza
June13,2014
GMS and EGMS of Bank Sinarmas at Sinarmas
Land Plaza
21Juni2014
Sumbangan Komputer layak pakai kepada Panti
Asuhan Santo yusuf di Cipanas, Puncak
June21,2014
Donation of Computer Appliances to Santo
yusuf Cipanas, Puncak
7
8
9
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
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5Agustus2014
Dalam Rangka Menyambut Idul Fitri 1435 H Tahun
2014, Bank Sinarmas mengadakan Acara Halal Bihalal
Bersama Anak yatim Piatu di Plaza Simas
August5,2014
In the event of Eid Al-Fitr 1435 H of 2014, Bank
Sinarmas held Halal Bihalal event with orphans at Plaza
Simas
18Agustus2014
Launching Kartu Debit Union Pay Bank
Sinarmas di Grand Hyatt
August18,2014
Launching of Union Pay Debit Card of Bank
Sinarmas at Grand Hyatt
7September2014
HUT Bank Sinarmas ke 25 Tahun di Plaza Simas
September7,2014
Celebration of 25 Anniversary of Bank Sinarmas
at Plaza Simas
10
11
12
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25September2014
Edukasi Perbankan oleh Bank Sinarmas kepada
SDN 02 Lebak Bulus
September25,2014
Banking Education event conducted by Bank
Sinarmas at SDN 02 Lebak
7November2014
Perjanjian kerja sama dengan PT Nurbaya Artha
Pratama dalam Bidang UMKM di Thamrin City
November7,2014
Partnership Agreement with PT Nurbaya Artha
13
14
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Tata Kelola PerusahaanGood Corporate Governance
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4Desember2014
Public Expose 2014 Bank Sinarmas di Plaza Simas
December4,2014
2014 Public Expose of Bank Sinarmas at Plaza Simas
19Desember2014
Kunjungan Miss Internet Bali di Sinarmas Land
Plaza
December19,2014
Visit from Miss Internet Bali to Sinarmas Land
Plaza
15
16
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PENGHARGAAN DAN SERTIFIKASIAwards and Certifications
GOLDENTROHPYINFOBANKAWARDS2014(18Juli
2014)
Bank yang berpredikat Sangat Bagus atas kinerja keuangan
tahun 2013 selama 5 tahun berturut - turut.
ANUGERAHPERUSAHAANTERBUKAINDONESIA2014
ECONOMICREVIEW(29Agustus2014)
Bank dengan Holding Terbaik
Peringkat 4 Kelompok Bank Go Public
GOLDENTROPHYINFOBANKAWARDS2014(July18,
2014)
Obtained the predicate of Excellent on the financial
performance of 2013 for 5 years consecutively.
2014AWARDOFINDONESIANPUBLICCOMPANYFROM
ECONOMICREVIEW(August29,2014)
Bank with the Best Holding
Fourth Position in the Category of Go Public Bank
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ANUGERAHPERBANKANINDONESIA2014(18November
2014)
Bank BUKU 2 (dua) Peringkat ke 4 (empat) kategori Bank Go
Public dengan modal inti Rp1 Triliun - Rp5 Triliun.
FINANCIALINCLUSIONCOMPETITION(KOINKU)FROM
THEFINANCIALSERVICESAUTHORITY
Second runner-up in the Category of Financial Access
2014INDONESIABANKINGAWARD(November18,2014)
Bank BUKU 2 (two), fourth position in the category of Go Public
Bank with core capital amounting to Rp1 trillion - Rp5 trillion.
KOMPETISIINKULISIKEUANGAN(KOINKU)OTORITAS
JASAKEUANGAN
Pemenang ke-3 (III) Kategori Akses Keuangan
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Laporan Keuangan KonsolidasiConsolidated Financial Statement
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Laporan ManajemenManagement Report
02
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 201422
LAPORAN DEWAN KOMISARISBoard of Commissioners Report
Puji syukur kami panjatkan kepada Tuhan yang Maha Esa,
karena atas karunia-Nya Bank Sinarmas kembali meraih
perolehan yang positif meskipun pemulihan kondisi ekonomi
global masih belum sesuai dengan harapan. Selama tahun
2014, Bank Sinarmas tetap memperlihatkan kinerja yang solid
terutama ditunjukkan dengan risiko kredit, likuiditas dan pasar
yang cukup terjaga, serta dukungan modal yang kuat.
Laporan ini berisi penilaian terhadap kinerja Perseroan selama
tahun 2014, implementasi tata kelola perusahaan, serta
pandangan kami terhadap prospek usaha Perseroan yang telah
disusun oleh Direksi untuk masa mendatang.
PENILAIANKINERJADIREKSI
Dalam upaya menghadapi tantangan selama tahun 2014,
Dewan Komisaris menilai bahwa Direksi telah bekerja dengan
optimal dalam menjalankan program - program serta telah
mengimplementasikan strategi yang telah direncanakan
sebelumnya dengan tepat.
Kondisi ini merupakan hal yang membanggakan karena
pertumbuhan kredit Bank Sinarmas sebesar 30%, berada jauh
di atas rata-rata industri yang bertumbuh sekitar 12%, yang
dikontribusi oleh kredit korporasi. Selain itu, dengan dibentuknya
divisi kredit Retail dan Micro Small Medium Enterprise (MSME),
maka kredit yang disalurkan Bank Sinarmas kepada Usaha
First of all, let us extend our gratitude to God Almighty for His
blessings so that Bank Sinarmas was able to record another
positive performance in 2014 despite the fluctuations in global
economic condition. Bank Sinarmas continues to show solid
performance, particularly shown by credit risk, liquidity, and
market risks, as well as the ability to sustain strong capital
support throughout the year.
This report encompasses evaluations on the Companys
performance during 2014, implementation of corporate
governance, and our opinion on the Companys business
outlooks as drafted by the Board of Directors.
EVALUATIONONTHEBOARDOFDIRECTORSPERFORMANCEThe Board of Commissioners is of the opinion that the Board
of Directors has performed its management functions in 2014
admirably, particularly in implementing various programs and
strategies that have been planned at the beginning of the year.
This result was very satisfying since the credit growth of Bank
Sinarmas in 2014 was recorded at 30%, far above the average
growth of the industry which was at 12% as contributed by the
corporation credit sector. In addition, with the establishment of
credit division of Retail and Micro, Small and Medium Enterprise
(MSME), loans distributed by Bank Sinarmas to several Micro,
Para Pemangku Kepentingan yang Terhormat,Honorable Stakeholders,
Tinjauan Unit-Unit BisnisOverview of Business Units
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TjendrawatiWidjajaKomisaris Utama
President Commissioner
Kerja keras dan keteguhan dalam memegang prinsip telah menjadi bukti akan kekuatan Perseroan dalam menghadapi tantangan hari ini dan masa yang akan datang.
Our hard work and dedication in upholding the principles serve as the proof of the Companys strength to face the challenges at the present and that may arise in the future
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PT. BANK SINARMAS Tbk. | Laporan Tahunan 201424
Mikro, Kecil dan Menengah (UMKM) juga bertumbuh dengan
signifikan yaitu sebesar 69%. Hal ini tentunya tidak terlepas
dari jaringan kantor Bank Sinarmas yang tersebar di 34 provinsi
dan 157 kota, sehingga akan lebih mudah dalam menjangkau
nasabahnya.
Dana pihak ketiga yang dihimpun bertumbuh 23% pada tahun
2014. Kenaikan ini dikarenakan meningkatnya volume deposito
secara signifikan.
Selama tahun 2014, Bank Sinarmas terus meningkatkan kualitas
dan kuantitas sumber daya manusia dengan merekrut lebih
dari 1.000 orang karyawan baru dan secara berkesinambungan
mengadakan program - program pelatihan dan pendidikan.
Disamping itu, investasi atas perangkat keras, perangkat
lunak serta peralatan kantor juga terus dilakukan. Investasi -
investasi ini merupakan bagian dari strategi jangka panjang
yang dilakukan Bank Sinarmas untuk meningkatkan daya saing
dalam menghadapi kompetisi di masa mendatang. Namun di
lain sisi, investasi ini mendorong naik beban operasional diluar
beban bunga sebesar 27% dari tahun 2013 dan berdampak
terhadap penurunan laba bersih sebesar 30%.
PELAKSANAANTUGASPENGAWASANKEPADADIREKSISepanjang tahun 2014, Dewan Komisaris melakukan tugas
pengawasan terhadap kebijakan manajemen, mekanisme
kepengurusan dan operasional Bank yang dijalankan oleh
Direksi serta memberikan masukan dan arahan kepada Direksi
mengenai kinerja yang sedang dijalankan. Berdasarkan evaluasi
atas kinerja operasional di tahun pelaporan, Dewan Komisaris
mengamanatkan kepada Direksi untuk terus memperkuat
posisi modal, meningkatkan kualitas dan kompetensi sumber
daya manusia serta memperkuat jaringan dan pengembangan
teknologi informasi. Kami mengarahkan agar Direksi melakukan
berbagai inovasi dengan melihat perkembangan pasar.
Terkait dengan likuiditas, Dewan Komisaris mendorong
manajemen untuk fokus pada pengumpulan dana murah,
dengan tetap memperhatikan likuiditas dan kondisi pasar, serta
Small and Medium Enterprises grew by 69%. This was also
influenced by the vast branch network of Bank Sinarmas that is
spread over 34 provinces and 157 cities in Indonesia. Hence, we
were able to reach our customers easily.
Third Party Funds that were collected grew 23% in 2014. This
increase was due to the significant improvement in volume of
deposits.
Throughout 2014, the Bank continues to improve the quality and
quantity of its human resources as marked by the recruitment
of 1,000 new employees. Moreover, the Bank also continues
to conduct various training and educational programs to
contribute to the improvement of its Human Resources. During
the year, Bank Sinarmas also conducted several investments on
software and hardware aas well as office supplies as a part of
the Banks long-term strategy to improve its competitiveness
in facing the dynamics of the future. However, at the same
time, these investments also escalated our operating expenses
outside of the interest expenses amounting to 27% from that
of he previous year, and impacted on the decrease of net
income amounting to 30%.
IMPLEMENTATIONOFSUPERVISORYFUNCTIONONTHEBOARDOFDIRECTORSThroughout 2014, the Board of Commissioners had performed
its supervisory function on management policies and
mechanism, as well as Banks operations conducted by the
Board of Directors. Moreover, the Board of Commissioners had
provided inputs and recommendations for the Board of Directors
regarding the performance of Bank Sinarmas. Based on the
evaluation of operational performance in 2014, we advised the
Board of Directors to continue strengthening the Companys
capital position, improving the quality and competencies of
human resources as well as developing information technology
and network. We directed the Board of Directors to continue
innovating by taking into account the market development.
Pertaining to the liquidity, the Board of Commissioners
encouraged the management of the Bank to focus on low
cost funds gathering, by always taking into account liquidity
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melakukan berbagai upaya untuk memperkuat penghimpunan
dana masyarakat melalui intensifikasi strategi dan pelayanan
yang berkualitas. Terkait pengelolaan risiko, Dewan Komisaris
senantiasa mendorong manajemen untuk semakin intensif
dalam upaya meningkatkan mitigasi risiko melalui Enterprise
Risk Management (ERM) secara terintegrasi, sehingga risiko
yang dihadapi dapat diubah menjadi peluang peningkatan
usaha. Selain itu, Dewan Komisaris juga terus mengawasi
dengan seksama pengelolaan risiko yang dilaksanakan Direksi
dengan dukungan dari komite yang relevan pengelolaan
risiko yang bijak dan melibatkan seluruh risk owner dalam
upaya memitigasi risiko utama, akan menghindarkan Bank
Sinarmas dari kejadian risiko yang fatal dan dapat menjamin
keberlangsungan usaha dalam jangka panjang.
PERANKOMITE-KOMITEDIBAWAHDEWANKOMISARISDalam menjalankan pengawasan yang ketat terhadap
Perseroan, baik dalam hal kinerja keuangan maupun tata kelola
yang baik secara keseluruhan, kami dibantu oleh 4 (empat)
komite yaitu Komite Audit, Komite Pemantau Risiko, Komite
Remunerasi dan Nominasi, serta Komite Good Corporate
Governance.
Selama tahun 2014, keempat komite tersebut telah menjalankan
tugas dengan baik dan telah memberikan kontribusi besar
terhadap pertumbuhan Bank Sinarmas. Implementasi program
kerja serta fungsi masing-masing komite yang tepat, senantiasa
mendukung tugas dan tanggung jawab Dewan Komisaris.
Dibantu oleh keempat komite tersebut, Dewan Komisaris
senantiasa mendorong penerapan standar tata kelola
yang baik secara menyeluruh di semua aktivitas Perseroan
serta memperkuat fungsi - fungsi komite demi mendorong
tercapainya sistem perbankan yang sehat.
TATAKELOLAPERUSAHAANPada tahun 2014, self assessment Good Corporate Governance
(GCG) Bank Sinarmas menunjukkan kinerja yang baik. Hal ini
dapat memberikan nilai positif bagi para pemegang saham dan
pemangku kepentingan. Penerapan tata kelola perusahaan
yang baik oleh Direksi juga tergambar dengan jelas dalam
kegiatan Perseroan yaitu dengan meningkatnya kesadaran
segenap karyawan akan pentingnya nilai-nilai transparansi
and market condition, and strive to improve fund collection
from the public through intensification of strategy and high-
quality service. In managing risks, the Board of Commissioners
constantly encourages the management to be more intensive
in mitigating risks through the integrated Enterprise Wide Risk
Management (EWRM) program in order to transform the risks
faced by the Company into business opportunities. In addition,
we constantly monitor risk management performed by the
Board of Directors with the support of the relevant committees.
With proper management of risks and involvement of all risk
owners in order to mitigate the main risks, Bank Sinarmas will
be able to avoid adverse impact generated from potential risks
and thus, ensuring the sustainability of the Company in the
long-term.
ROLESOFTHECOMMITTEESUNDERTHEBOARDOFCOMMISSIONERSIn implementing a tight supervisory function on the Companys
operational and financial performance as well as the overall
governance, the Board of Commissioners is assisted by 4
(four) committees namely Audit Committee, Risk Oversight
Committee, Remuneration and Nomination Committee, and
Good Corporate Governance (GCG) Committee.
During 2014, these four committees had performed their
duties and responsibilities commendably, and had provided
significant contribution to the growth of Bank Sinarmas.
Proper implementation of work program and function of each
committee constantly supported duties and responsibilities of
the Board of Commissioners. Moreover, through the assistance
of these four committees, the Board of Commissioners
continues to support the implementation of thorough good
corporate governance in all activities of the Company, while
strengthening the functions of other committees to achieve a
healthy banking procedure in the future.
GOODCORPORATEGOVERNANCEIn 2014, Good Corporate Governance (GCG) self-assessment
of Bank Sinarmas showed excellent performance which
consequently provided positive values for all shareholders and
stakeholders. Implementation of GCG by the Board of Directors
during the year was reflected on the improvement of employees
awareness on the importance of transparency aspect; thus,
GCG principles of Transparency, Accountability, Responsibility,
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sehingga prinsip Transparency, Accountability, Responsibility,
Independency, Fairness (TARIF) dapat berjalan dengan semakin
maksimal. GCG telah dibuktikan dengan berkurangnya
pelanggaran yang dilakukan oleh pihak-pihak terkait.
TANGGUNGJAWABSOSIALBANKSINARMAS
Dewan Komisaris mengamanatkan kepada Direksi untuk
meningkatkan kualitas pelaksanaan program tanggung jawab
sosial sehingga pelaksanaannya lebih efisien, terukur, terarah
serta menjangkau pemangku kepentingan sekitar dengan baik.
Bagi Bank Sinarmas, pelaksanaan tanggung jawab sosial
merupakan investasi sosial yang akan memperdalam hubungan
timbal balik dengan masyarakat sehingga pada akhirnya dapat
memberikan dampak peningkatan kinerja dan branding Bank
Sinarmas. Seluruh program tanggung jawab sosial perusahaan
termasuk dalam komitmen Bank Sinarmas untuk menerapkan
prinsip pertanggungjawaban dalam rangka meningkatkan
kualitas GCG dan selalu berupaya menciptakan keselarasan
antara kinerja operasional dan pertumbuhan profit dengan
tanggung jawab sosial perusahaan.
PENGEMBANGANSUMBERDAYAMANUSIADANTEKNOLOGIINFORMASISemua staf dan manajemen Bank Sinarmas memiliki kesamaan
visi dan komitmen untuk menjadi mitra terbaik bagi nasabah.
Untuk itu, berbagai pelatihan untuk meningkatkan kompetensi
masing - masing individu terus dilakukan secara berkala.
Perseroan juga telah menyediakan dana yang diinvestasikan
untuk pelatihan dan pengembangan sumber daya manusia
sesuai dengan Peraturan Bank Indonesia Nomor 31/310/
KEP/DIR 1999. Evaluasi secara berkala juga dilakukan terkait
dengan pengembangan sistem rekrutmen, seleksi, dan on-
boarding, serta menyangkut pembaharuan sistem informasi
yang digunakan dan peningkatan kompetensi para recruiters.
Independency, Fairness (TARIF) can be implemented optimally
in all business activities of the Company. Furthermore, the
function of each GCG instrument showed positive performance
as proven by the low rates of fraud and violation of regulations
in the Bank throughout the year.
CORPORATESOCIALRESPONSIBILITYOFBANKSINARMASWe have mandated the Board of Directors to improve bte
quality of corporate social responsibility (CSR) program of the
Bank through a structured coordination in order to ensure a
more efficient, measured, and directed implementation so as
to be able to reach all stakeholders of the Bank.
For us, the implementation of CSR Activities is a social investment
that will deepen our mutual relationship with the community
which ultimately will impact on the growth of performance and
development of the Comapanys brands. All CSR programs of
the Bank are included in our commitment to incorporating the
responsibility principle in order to improve the quality of GCG
implementation. Furthermore, we will always strive to create
harmony between the operational performance and profit
growth with our CSR programs.
DEVELOPMENTOFHUMANRESOURCESANDINFORMATIONTECHNOLOGYAll staffs and management of Bank Sinarmas have a common
vision and commitment to be the best partner for our
customers. To that end, a variety of trainings to improve the
competence of each individual continued to be conducted
periodically. The Company had also provided funds invested in
training and development of human resources of the Company
in accordance with the Regulation of Bank Indonesia No.
31/310/KEP/DIR 1999. The evaluation was also conducted at
regular intervals associated with the development of the system
of recruitment, selection, and on-boarding; both related to the
tools used, and to increase the competence of the recruiters.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 27
Selama tahun 2014, Bank Sinarmas terus meningkatkan
kinerja unit kerja information Technology (IT) sehingga dapat
terus mendukung perkembangan Bank yang selanjutnya
meningkatkan daya saing Bank Sinarmas. Teknologi yang
diimplementasikan berfokus pada peningkatan efektivitas dan
efisiensi kerja yang berorientasi pada nasabah. Sebesar 60%
dana hasil Penawaran Umum Terbatas I (PUT I) digunakan
untuk pembelanjaan teknologi informasi. Hal ini dilakukan
untuk mewujudkan cita-cita Perseroan untuk menjadi Bank
terbaik di Indonesia.
PANDANGANDANPROSPEKKEDEPANBerdasarkan data statistik Bank Indonesia, hingga saat ini
jumlah Bank yang ada di Indonesia mencapai 119 Bank. World
Bank juga mencatat bahwa masih ada sekitar 53% masyarakat
Indonesia yang belum tersentuh jasa perbankan. Oleh karena
itu, strategi yang disusun oleh Direksi difokuskan untuk
membidik pasar yang masih besar tersebut dan mencapai
objektif jangka panjang. Dengan mengoptimalkan jaringan
dan sistem yang dimiliki, kami optimis bahwa Bank Sinarmas
dapat menjadi Payment and Transaction Bank yang terkemuka
kedepannya.
Selain itu, melihat peluang pasar yang masih terbuka pada
tahun 2015, prospek yang disusun oleh Direksi untuk tetap
membidik kredit sektor usaha mikro, kecil dan menengah,
akan ditingkatkan. Berbekal pengalaman yang telah dimiliki,
kami yakin Bank Sinarmas mampu menjadi bagian dari
program pemberdayaan rakyat dengan menjadi penyalur kredit
bagi usaha kredit kecil dan menengah (UMKM). Kami yakin
bahwa langkah-langkah konkret dan strategis yang disusun
Direksi akan mampu meningkatkan performa Perseroan dan
membantu pemerintah dalam menekan angka pengangguran.
Kerja keras dan keteguhan dalam memegang prinsip telah
menjadi bukti akan kekuatan Perseroan dalam menghadapi
tantangan hari ini dan masa yang akan datang. Visi dan misi
serta budaya perusahaan merupakan pedoman nyata bagi
Perseroan untuk terus tumbuh dan berkembang menjadi yang
terbaik dalam sektor perbankan Indonesia.
During 2014, we continued to improve the performance of IT
work unit in order to continue supporting the development
of the Bank so as to be able to improve its competitiveness.
Technology that was implemented focused on improving
the effectiveness and efficiency, and customer-oriented
improvement. 60% proceeds from the Rights Issue I (PUT I) are
used for information technology spending. This is performed
to realize the ideals of the Company to be the best bank in
Indonesia.
FUTUREPROSPECTSAccording to the statistical data from Bank Indonesia, total
banks in the country currently reach 119 banks. On the other
hand, World Bank recorded that there are approximately 53%
of the total of Indonesians that are categorized as unbankable
people, meaning that they do not have access to banking
services. Thus, strategies that are compiled by the Board
of Directors shall be focused on targeting the market and
achieving the long-term objective of the Bank. By optimizing
our established network and system. We are optimistic that
Bank Sinarmas will be able to become a leading Payment and
Transaction Bank in the future.
In addition, by taking into account the market opportunities
of 2015 that are wide open, business outlooks compiled by
the Board of Directors will continue prioritizing the sector of
MSMEs that is projected to remain lucrative in the following
years. Supported by our experiences, we are optimistic
that Bank Sinarmas will be able to participate in society
empowerment program by becoming a loan distributor for
the sector of SMEs. The Board of Commissioners believes that
with the proper implementation of the Board of Directors
strategies, Companys performance will improve and we can
assist the nation in reducing unemployment rate.
Our hard work and dedication in upholding the principles serve
as the proof of the Companys strength to face the challenges
at the present and that may arise in the future, Vision, mission
and corporate culture are the actual guidelines for the Bank to
always grow and develop to be the best in Indonesias banking
industry.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201428
Jakarta, 24 April 2015 / April 24, 2015
Atas nama Dewan Komisaris / On behalf of the Board of Commissioners,
TjendrawatiWidjajaKomisaris Utama / President Commissioners
PERUBAHANPADAKOMPOSISIDEWANKOMISARISPada Rapat Umum Pemegang Saham Luar Biasa (RUPSLB)
tanggal 13 Juni 2014, telah terjadi perubahahan komposisi
Dewan Komisaris di mana Bapak Rusmin diangkat sebagai
Komisaris Independen menggantikan Bapak Wimpie Rianto
yang telah resmi menyelesaikan masa jabatannya. Semoga
susunan komposisi Dewan Komisaris yang baru dapat
memberikan kontribusi yang maksimal bagi Perseroan. Kami
mengucapkan terima kasih dan menyampaikan apresiasi
yang setinggi-tingginya kepada Bapak Wimpie Rianto atas
kontribusinya kepada Perseroan selama ini.
APRESIASIKami mengucapkan apresiasi yang tinggi kepada Direksi dan
segenap karyawan PT. Bank Sinarmas Tbk., serta seluruh
pemangku kepentingan atas dukungan, dedikasi dan
keberhasilan yang memuaskan sehingga Bank Sinarmas dapat
memberikan yang terbaik kepada pemegang saham, nasabah,
dan masyarakat. Semoga Tuhan yang Maha Pengasih dan
Penyayang selalu memberikan karunia-Nya untuk kita semua.
CHANGESINTHECOMPOSITIONOFTHEBOARDOFCOMMISSIONERSBy virtue of Extraordinary General Meeting of Shareholders
(EGMS), convened on June 13, 2014, there was a change in
the composition of the Board of Commissioners. Mr. Rusmin
was appointed as Independent Commissioner, replacing Mr.
Wimpie Rianto who has completed his term of office. With this
new composition, we, the Board of Commissioners, believe that
we will be able to continue providing optimum contribution
to the Company. We would like to extend our gratitude and
appreciation to Mr. Wimpie Rianto for his dedication and
contribution to the Company during his tenure.
APPRECIATIONSWe would like to appreciate the Board of Directors and all
employees of PT. Bank Sinarmas Tbk., as well as all stakeholders,
for their hard work, dedication and supports so that the Bank
was able to record a satisfying performance in 2014 and
provided best results to all shareholders, customers and public
in general. May God Almighty always bless us all.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 29
TjendrawatiWidjajaKomisaris Utama
President Commissioner
SammyKristamuljanaKomisaris Independen
Independent Commissioner
RusminKomisaris Independen
Independent Commissioner
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201430
LAPORAN DIREKSIBoard of Directors Report
Pertama-tama atas nama Direksi PT. Bank Sinarmas Tbk. kami
mengucapkan puji syukur kepada Tuhan yang Maha Esa atas
berkah dan karunia-Nya sehingga Perseroan dapat melalui
tahun 2014 yang penuh tantangan dengan menorehkan
kinerja yang positif. Bank Sinarmas menunjukkan performa
yang lebih baik daripada ekspektasi pasar industri perbankan
lainnya. Pencapaian ini mencerminkan hasil kerja keras
seluruh manajemen dan karyawan yang telah berfokus pada
peningkatan kinerja dengan hasil yang maksimal.
KINERJA2014Di tengah kondisi ekonomi global yang belum membaik serta
perekonomian nasional yang menantang, ditengarai dengan
likuiditas yang ketat dan suku bunga yang tinggi, Bank
Sinarmas tetap bertahan dengan serangkaian pencapaian yang
membanggakan.
Pada tahun 2014, Bank Sinarmas telah mengungguli ekspektasi
pasar dalam pertumbuhan kredit sebesar 18% dan dalam
pertumbuhan dana pihak ketiga sebesar 10%. Di akhir tahun
2014, kredit dan dana pihak ketiga (DPK) Bank Sinarmas
masing-masing tumbuh sebesar 30% dan 23% dari akhir tahun
sebelumnya.
On behalf of the management of PT. Bank Sinarmas Tbk., we
would like to offer our sincerest gratitude to God Almighty for
His blessings and mercy that the Company is able to overcome
various challenges and dynamics in 2014 by recording positive
and satisfying growth. Bank Sinarmas showed an admirable
performance thorughout the year, exceeded the banking
industry market expectation in the country. This achievement
reflected the hard work of all management and employees that
had been focusing on the optimization of performance during
the year.
2014PERFORMANCEIn spite of the fluctuations of global economy as well as the
challenging situation in the domestic front marked by tight
liquidity and high interest rate, Bank Sinarmas was able to
maintain its performance and even record a series of positive
achievement during 2014.
This year, we had exceeded market expectation in terms of loan
growth by 18% in in third party fund growth by 10%. At the
end of 2014, the growth of loan and third party fund were
recorded at 30% and 23% respectively compared to the same
aspect recorded at the end of 2013.
Para Pemangku Kepentingan yang terhormat,
Respectable Stakeholders,
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 31
FreenyanLiwangDirektur Utama
President Director
By optimizing the Companys network over 382 established branch offices spread over 34 provinces in Indonesia, Bank Sinarmas expects to transform into Payment and Transaction Bank.
Dengan mengoptimalkan jaringan yang sudah terjalin di 382 kantor cabang yang tersebar di 34 provinsi di Indonesia, kami mengharapkan Bank Sinarmas dapat bertransformasi menjadi Payment and Transaction Bank.
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201432
Di tengah ketatnya persaingan industri perbankan Indonesia,
komposisi DPK Bank Sinarmas mengalami perubahan. Pada
tanggal 31 Desember 2014, dana Giro dan Tabungan (CASA)
turun 15%, persentase CASA terhadap total DPK turun dari
65% di tahun 2013 menjadi 50% di tahun 2014. Namun, secara
rata - rata persentase CASA terhadap total DPK hanya turun
0,06% menjadi 62,35% pada tahun 2014 dari sebelumnya
62,41% pada tahun 2013. Dari segi pendapatan, perubahan
komposisi CASA tidak berdampak terhadap pendapatan bunga
bersih Bank yang meningkat secara signifikan sebesar 19,512%
dari Rp826 miliar pada tahun 2013, menjadi Rp988 miliar pada
tahun 2014.
Menanggapi tantangan industri perbankan selama 2014, kami
menerapkan langkah-langkah strategis untuk memperkuat
modal dan memperoleh pertumbuhan yang positif. Perseroan
mengeluarkan saham baru sebesar 10% dari modal
ditempatkan dan disetor penuh melalui Penambahan Modal
Tanpa Hak Memesan Efek Terlebih dahulu (PMTHMETD) dan
memperoleh tambahan modal sekitar Rp354 miliar.
Dilihat dari bursa perdagangan saham pada 2014, saham BSIM
ditutup pada level 339 pada akhir 2014. Volume perdagangan
saham BSIM mencapai 17.003.000 lot saham per 31 Desember
2014.
KINERJAUNITUSAHASYARIAH Pada 2014, Unit Usaha Syariah (UUS) kembali mencatatkan
pertumbuhan yang signifikan. Pendapatan operasional Bank
tumbuh 132,87% dari Rp126,11 miliar pada 2013 menjadi
Rp292,54 miliar pada 2014. Sedangkan DPK tumbuh 128,16%
dari Rp628 miliar pada tahun 2013 menjadi Rp1.432 miliar
pada tahun 2014.
Untuk mendukung kegiatan operasional UUS, dilakukan
perekrutan sumber daya manusia (SDM) sebanyak hampir 400
orang. Jumlah SDM UUS pada tahun 2014 meningkat 68,29%
menjadi 966 karyawan dibandingkan tahun sebelumnya
sebesar 574 karyawan. Perseroan juga menambah jumlah
kantor cabang UUS sebanyak 2 (dua) kantor sehingga sampai
31 Desember 2014, jumlah kantor cabang UUS sebanyak 38
kantor.
Amid the rigidity of banking industry competition in the country,
the composition of third party fund of the Bank changed. As of
December 31, 2014, the value of Current Accounts and Saving
Accounts (CASA) declined by 15% with the percentage of
CASA to third party fund down from 65% in 2013 to 50%
in 2014. However, in average, the percentage of CASA value
to total third party fund decreased slightly by 0.06%, from
62.41% in 2013 to 62.35% in 2014. In terms of income, the
decrease of CASA did not provide significant impact on the
net interest income of the Bank in 2014 which was recorded
to increase by 19.52% from Rp826 billion in 2013 to Rp988
billion.
In overcoming the challenges of banking industry during the
year, we had implemented several strategic steps to strengthen
capital structure in order to obtain positive growth. The
Company issued new shares through Capital Increment without
the issuance of preemptive rights (HMETD) of 10% of the total
issued and fully paid capital and gained approximately Rp354
billion to increase out capital.
Regarding the stock exchange for 2014, share of BSIM
was closed at the level of 339 by year end. The Banks stock
transaction volume reached 17,003,000 lot of shares per
December 31, 2014.
PERFORMANCEOFSHARIABUSINESSUNITIn 2014, the Banks Sharia Business Unit recorded a significant
growth. Operating revenue of the Bank grew by 132.87%
to be at Rp292.54 billion from that of the 2013 recorded at
Rp126.11 billion. Meanwhile, Third Party Fund increased by
128.16% from Rp628 billion in 2013 to Rp1,432 billion.
To support the operations of Sharia Business Unit, the Bank
increased the quantity of its Human Capital by recruiting
almost 400 people during the year. Thus, total Human Capital
employed in the Sharia Business Unit were 966 employees,
increased by 68.29% from the previous year which was 574
employees. In addition, the Company also added 2 (two) new
branch offices for this business unit; thus, by the end of 2014,
the number of branch offices for the unit amounting to 38
offices.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 33
SUMBERDAYAMANUSIADANTEKNOLOGIINFORMASITahun 2014 menjadi titik tolak yang progresif dari perencanaan,
pengelolaan dan pengembangan human capital untuk
diarahkan pada peningkatan kinerja Bank Sinarmas. Hal ini
tercermin pada pertumbuhan jumlah karyawan Perseroan yang
mencapai 23,45% dengan jumlah karyawan pada akhir tahun
2014 sebanyak 6.421 karyawan.
Seiring dengan transformasi yang dilakukan Perseroan, jumlah
karyawan tersebut akan terus bertambah pada tahun - tahun
mendatang. Namun demikian, Perseroan tidak ingin hanya
menambah karyawan dari sisi kuantitas, tapi juga berusaha
untuk meningkatkan kualitas karyawannya. Oleh karena itu,
serangkaian program pendidikan dan pelatihan di Learning
Center terfokus pada pelaksanaan pelatihan yang bersifat
operasional atau spesifik, sertifikasi, serta pelatihan motivasi
untuk meningkatkan ownership dan accountability karyawan.
Learning Center juga mendukung program penerimaan
karyawan (On-Boarding Program), dengan memberikan
pendidikan melalui fasilitas e-Learning. Pada 2014, Bank
Sinarmas sudah mengivestasikan dana pendidikan sebesar
5,27% dari Biaya Tenaga Kerja, lebih dari yang diwajibkan oleh
Regulator Perbankan.
Menindaklanjuti kerja sama dengan institusi pendidikan di
tahun sebelumnya, Bank Sinarmas menunjukkan komitmen
dengan melakukan pengembangan kerja sama serupa pada
tahun 2014 dengan beberapa institusi pendidikan lainnya.
Saat ini, Bank Sinarmas telah bekerja sama dengan Universitas
Gadjah Mada, Prasetiya Mulya University, Bina Nusantara
University dan Boston School of Banking.
Manajemen menyadari bahwa Teknologi Informasi sangat
berperan besar dalam kegiatan perbankan, baik operasional
maupun non operasional. Dalam rangka mewujudkan cita-cita
perusahaan untuk menjadi Bank terkemuka di Indonesia, Bank
Sinarmas terus melakukan pengembangan Teknologi Informasi
secara berkelanjutan sesuai dengan IT Strategic Plan (ITSP) Bank.
Pada tahun 2014, unit kerja IT Bank Sinarmas telah melakukan
pengembangan-pengembangan sesuai dengan roadmap ITSP
HUMANCAPITALANDINFORMATIONTECHNOLOGYThe year of 2014 served as a progressive turning point for the
Company in terms of planning, management, and development
of its human capital, that was directed for the improvement of
the performance of the Bank. This was reflected on the total
employees of the Company which grew by 23.45% with 6,421
employees recorded at the end of the year.
In line with the transformation conducted by the Company,
amount of employees is projected to grew accordingly in the
following years. Nevertheless, the Company will not increase
only the quantity of employees but also improve their quality.
Thus, various trainings and education are implemented for the
personnel of the Bank through the use of its Learning Center
with the focus on both operational and technical trainings, such
as certifications as well as motivational trainings that aim to
develop the ownership and accountability of all employees. Our
Learning Center will also support the On-Boarding Program,
a recruitment program of the Bank that provided education
through the e-Learning facility. In 2014, Bank Sinarmas had
invested education fund amounting to 5.27% of the total
of Employee Expenses, exceeded the mandatory fund set by
Banking Regulators.
To follow-up our partnership with various educational
institutions that had been established in the past years, Bank
Sinarmas showed its commitment by carrying out similar
programs with other educational institutions in 2014. As of
now, Bank Sinarmas has been partnering with Gadjah Mada
University, Prasetiya Mulya University, Bina Nusantara University,
and Boston School of Banking.
We are aware of the fact that information technology plays an
important role in banking activities, both in terms of operational
and non-operational activities. Hence, in order to actualize the
vision of the Company to be the leading bank in Indonesia,
Bank Sinarmas continues to innovate in the field of information
technology in line with our IT Strategic Plan (ITSP) that had
been drafted beforehand. In 2014, the Banks IT work unit
had carried out various developments in accordance with the
Laporan ManajemenReport of Management
Profil PerusahaanCompany Profile
Analisis dan Pembahasan ManajemenManagement Discussion and Analysis
Kilas Kinerja 2014Flashback Performance of 2014
PT. BANK SINARMAS Tbk. | Laporan Tahunan 201434
yang berorientasi pada nasabah, seperti mengembangkan dan
meningkatkan fitur e-channel untuk meningkatkan layanan dan
kemudahan bagi nasabah dalam bertransaksi, meningkatkan
layanan dalam kegiatan operasional perbankan Syariah dengan
menyiapkan sistem Customer Service Syariah, mengembangkan
layanan bill payment yang dimiliki dengan terus meningkatkan
kerja sama dengan para biller, mengimplementasikan Sales
Management System, serta membangun ruang monitoring
untuk Network Operation Center (NOC).
Dalam memasuki tahun 2015, Bank Sinarmas telah menyiapkan
rencana strategis terkait teknologi informasi untuk semakin
meningkatkan pelayanan kepada nasabah serta mendukung
kegiatan bisnis dan operasional Bank. Rencana strategis ini
mencakup seluruh aspek yaitu Organisasi dan IT Governance,
Aplikasi, dan Infrastruktur IT.
KOMITE-KOMITEDIBAWAHDIREKSI
Selama tahun 2014, komite di bawah Direksi yang terdiri dari
Asset & Liability Management Committee (ALCO), Komite
Kredit, Komite Teknologi Informasi, Komite Manajemen
Risiko serta Komite Human Capital Management (HCM),
telah menjalankan perannya dengan baik dan bekerja sesuai
dengan tugas dan tanggung jawabnya masing - masing. Setiap
komite secara berkala melakukan pertemuan untuk membahas
program kerja atau melakukan kajian terhadap aturan yang
ada disesuaikan dengan perkembangan kondisi Perseroan.
TATAKELOLAPERUSAHAANYANGBAIKBank Sinarmas selalu berkomitmen untuk mengimplementasikan
prinsip - prinsip good corporate governance (GCG) di semua lini
Perseroan. Terkait hal ini, Perseroan melakukan self assessment
yang menunjukkan penilaian yang lebih baik dari tahun
sebelumnya. Penyempurnaan dalam setiap komponen GCG
akan terus ditingkatkan demi menjaga stabilitas performance
perusahaan. Kami menyadari bahwa terlaksananya prinsip -
prinsip GCG secara konsisten akan memperkuat posisi daya
saing, meningkatkan kinerja serta meningkatkan kepercayaan
shareholders dan stakeholders serta pemangku kepentingan
lainnya.
strategis stated in the ITSP road map that were oriented to the
customers, such as developing and improving e-channel feature
to exted our services and facilitate the customers in transaction
activities; improving services in the Sharia banking operations
through the system of Sharia Customer Service; developing the
established bill payment service by improving partnership with
the billers; implementing Sales Management System; as well
as preparing a space for the monitoring function of Network
Operation Center (NOC).
As we enter 2015, Bank Sinarmas has prepared several
strategic plans related to the information technology system
to be implemented to improve services to all customers as well
as supporting the Banks business and operational activties.
These strategic plans encompass all aspect of the Bank such
as Organization and IT Governance, Application, and IT
Infrastructure.
COMMITTEESUNDERTHEBOARDOFDIRECTORSDuring 2014, the committees under the Board of Directors,
namely Asset & Liability Committee (ALCO), Credit Committee,
Information Technology Committee, Risk Management
Committee, and Human Capital Management Committee, had
performed their duties and responsibilites well and efficiently.
Each committee periodically convened in a meeting to discuss
work program or review the established regulations and
GOODCORPORATEGOVERNANCEBank Sinarmas is fully committed to implementing the principles
of good corporate governance (GCG) in all levels and business
activities. To support this commitment, the Company conducts
self-assessment on GCG implementation that show positive
result in each passing year. Improvement in all components of
GCG in the Company will continue to be carried out to maintain
the stability of the Companys performance. We are aware of
the fact that consistent implementation of GCG principles will
strengthen our competitiveness, improve our performance, and
increase the trusts of all shareholders and stakeholders of the
Company.
Tinjauan Unit-Unit BisnisOverview of Business Units
Tata Kelola PerusahaanGood Corporate Governance
Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility
Laporan Keuangan KonsolidasiConsolidated Financial Statement
Annual Report 2014 | PT. BANK SINARMAS Tbk. 35
TANGGUNGJAWABSOSIALPERUSAHAANBank Sinarmas berkomitmen untuk melaksanakan program
tanggung jawab sosial sesuai dengan butir -- butir ketentuan
Bapepam-LK Nomor: KEP-431/BL/2012 tertanggal 1 Agustus
2012 yang meliputi tanggung jawab sosial dalam bidang
Ketenagakerjaan, Kesehatan dan Keselamatan Kerja,
Lingkungan Hidup, Pengembangan Sosial dan Kemasyarakatan,
serta Tanggung jawab terhadap Nasabah. Pelaksanaan program
tanggung jawab sosial ini juga bertujuan untuk mengaplikasikan
prinsip responsibility atau pertanggungjawaban sesuai
Pedoman Komite Nasional Kebijakan Governance (KNKG).
Bank Sinarmas melangkah maju mengembangkan diri secara
berkesinambungan dengan slogan We Always Care yang
merupakan komitmen bersama dari pemegang saham,
pengurus dan karyawan Bank untuk selalu memiliki kepedulian
kepada nasabah, rekan kerja, rekan bisnis dan lingkungan
sehingga Bank Sinarmas dapat mewujudkan visi perusahaan
sebagai Bank Terkemuka di Indonesia juga sebagai good
corporate citizen.
PERISTIWAPENTING2014Manajemen mengapresiasi seluruh kerja keras dan kerja sama
seluruh karyawan sehingga Bank Sinarmas berhasil memperoleh
berbagai prestasi sepanjang 2014, antara lain:
1. Memperoleh Golden Trophy Infobank Awards 2014
sebagai Bank yang berpredikat Sangat Bagus atas kinerja
keuangan tahun 2013 selama 5 (lima) tahun berturut -
turut;
2. Sebagai Bank dengan Holding Terbaik dan mendapatkan
Peringkat 4 (empat) dalam Kelompok Bank Go Public
dalam Anugerah Perusahaan Tbk. Indonesia 2014 Economic
Review;
3. Bank BUKU 2 (dua) Peringkat ke 4 (empat) kategori Bank
Go Public dengan modal inti Rp1 Triliun - Rp5 Triliun dalam
Anugerah Perbankan Indonesia 2014; dan
4. Pemenang ke 3 (III) Kategori Akses Keuangan dalam
Kompetisi Inkuliusi Keuangan (Koinku) Otoritas Jasa
Keuangan.
CORPORATESOCIALRESPONSIBILITYBank Sinarmas is fully committed to implementing Corporate
Social Responsibility (CSR) programs in accordance with
the stipulations og Bapepam-LK Number: KEP-431/BL/2012
dated August 1, 2012, which covers social responsibility in
Manpower, Occupational Health and Safety, Environment,
Social and Community Development, as well as Responsibility
to Customers. The implementation of CSR programs is also
intended to apply the principle of responsibility in line with
the Guidelines of the National Committee on Corporate
Governance (KNKG).
Bank Sinarmas continues to develop its operations and business
as marked with our slogan of We Always Care which serves
as the commitment of all shareholders, management, and
employees of the Bank. With this slogan, we aim to always
prioritize the needs of customers, colleagues, partners and
environment in which we operate, so that Bank Sinarmas will
be able to realize the vision of becoming the Leading Bank as
well as the good corporate citizen in Indonesia.
SIGNIFICANTEVENTSIN2014The management appreciates all hard work and cooperations of
all employees in recording satisfying achievements throughout
the 2014, such as:
1. Obtaining the Golden Trophy Infobank Awards of 2014 as
a Bank with the predicate of Excellent for the financial
performance of 2013, for 5 (five) years respectively;
2. The Bank with the Best Holding as well as obtaining the 4th
position in the 104 Indonesias Public Company Awards in