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  • Consistency Strivingfor Excellence

    2013Laporan Tahunanannual report

  • Daftar IsiTable of Contents

    KILAS KINERJA 2013FLASHBACK PERFORMANCE OF 2013

    ANALISIS DAN PEMBAHASAN MANAJEMENMANAGEMENT DISCUSSION AND ANALYSIS

    LAPORAN DEWAN KOMISARIS DAN DIREKSIREPORT OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

    PROFIL PERUSAHAANCOMPANY PROFILE

    6 Ikhtisar Keuangan Financial Highlights

    100 Tinjauan Ekonomi Makro Indonesia Tahun 2013

    Overview Of Indonesias Macro Economy In 2013

    122 Tinjauan Bisnis Business Review

    8 Grafik Ikhtisar Keuangan Financial Highlights Graphic

    9 Ikhtisar Saham Stock Highlights

    12 Laporan Dewan Komisaris Board of Commissioners Report

    34 Identitas Perusahaan Corporate Identity35 Sekilas Perusahaan Company in Brief37 Visi dan Misi Vision and Mission38 Bidang Usaha Business Lines44 Jejak Langkah Milestones48 Peristiwa Penting 2013 Significant Events 201350 Struktur Organisasi Organization Structure

    20 Laporan Direksi Board of Directors Report

    52 Profil Dewan Komisaris Board of Commissioners Report56 Profil Direksi Board of Directors Report63 Manajemen Senior Senior Management64 Komposisi Pemegang Saham Shareholders Composition66 Struktur Grup Perusahaan Corporate Group Structure68 Informasi Pemegang Saham Utama dan

    Pengendali Information of Majority and Controlling

    Shareholders

    70 Lembaga Profesi Penunjang Supporting Professional Institutions70 Realisasi Penggunaan Dana Hasil

    Penawaran Umum Realization of the Use of Fund from

    Public Offering71 Penghargaan dan Sertifikasi Awards and Certifications72 Alamat Kantor Cabang Branch Office Address

    127 Kebijakan Suku Bunga Bank Sinarmas Interest Policy of Bank Sinarmas127 Penghimpunan Dan Pengelolaan Dana

    Bank Sinarmas Funding and Fund Management of Bank

    Sinarmas

    127 Strategi Pemasaran Marketing Strategy129 Jaringan Network

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    02

    03

  • 1Annual Report 2013 PT. Bank SinarmaS Tbk.

    TATA KELOLA PERUSAHAANGOOD CORPORATE GOVERNANCE

    TINJAUAN UNIT-UNIT BISNISOVERVIEW OF BUSINESS UNITS

    TANGGUNG JAWAB SOSIAL PERUSAHAANCORPORATE SOCIAL RESPONSIBILITY

    LAPORAN KEUANGANFINANCIAL REPORT

    239 Prinsip Tata Kelola Perusahaan Corporate Governance Principles240 Penerapan Tata Kelola Perusahaan Corporate Governance Implementation242 Assessment GCG Perusahaan GCG Assessment242 Struktur Tata Kelola Perusahaan Corporate Governance Structure243 Rapat Umum Pemegang Saham General Meeting Of Shareholders249 Dewan Komisaris Board of Commissioners258 Direksi Board of Directors274 Hubungan Kerja Dewan Komisaris dan

    Direksi Work Relation of Board of Commissioners

    and Board of Directors278 Kebijakan Remunerasi & Penilaian

    Terhadap Kinerja Dewan Komisaris Dan Direksi

    Remuneration Policy & Assessment On Performance Of The Board Of Commissioners And The Board Of Directors

    281 KomiteKomite Committees307 Komite Dibawah Direksi Committees Sub-ordinate to Directors

    132 Manajemen Sumber Daya Manusia Human Capital Management140 Teknologi Informasi Information Technology

    311 Satuan Kerja Audit Intern (SKAI) Internal Audit Work Unit (SKAI)323 Satuan Kerja Manajemen Risiko (SKMR) Risk Management Work Unit325 Satuan Kerja Kepatuhan Compliance Work Unit328 Profil Kepala Audit Internal Head of Internal Audit Profile329 Sekretaris Perusahaan Corporate Secretary334 Profil Komite Committee Profile335 Penerapan Fungsi Kepatuhan, Audit Intern,

    Dan Audit Ekstern Implementation Of Compliance Function,

    Internal Audit And External Audit339 Penerapan Manajemen Risiko Dan Sistem

    Pengendalian Intern Implementation Of Risk Management And

    Internal Control System342 Laporan Penyediaan Dana Report Of Fund Provision342 Rencana Strategis Bank The Bank Strategic Plan343 Rencana Bisnis Bank Bank Business Plan

    144 Manajemen Risiko Risk Management226 Unit Usaha Syariah Sharia Business Units

    346 Transparansi Kondisi Keuangan Dan Non Keuangan Bank Yang Belum Diungkap Dalam Laporan Lainnya

    Transparency on the Banks Financial and Non Financial Condition not Disclosed in other Reports

    346 Jumlah Penyimpangan Internal Number of Internal Fraud347 Permasalahan Hukum Legal Issues348 Transaksi Yang Mengandung Benturan

    Kepentingan Conflict of Interest Transaction348 Buy Back Shares Dan Buy Back Obligasi Bank Shares and Bonds Buy Back by the Bank348 Pemberian Dana Untuk Kegiatan Sosial dan

    Kegiatan Politik Selama Periode Pelapor Funds for Social and Political Activities during

    the Reported Period349 Budaya Bank Sinarmas The Culture Of Bank Sinarmas353 Whistleblowing Whistleblowing356 Kesimpulan Umum Hasil Self Assessment

    Pelaksanaan Good Corporate Governance General Conclusion on Result of Self-

    Assessment of the Banks GCG Implementation

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  • Consistency Striving for ExcellencePerusahaan yang besar terbentuk berdasarkan kinerja yang maksimal dan didukung dengan semangat corporate culture yang baik. Kami bertekad untuk menggapai pencapaian terbaik dengan terus menjaga tradisi yang baik di Perusahaan dan melakukan kajian terhadap potensi dan peluang di tengah dinamika perkembangan bisnis guna meraih kesuksesan di masa mendatang.

    Melalui semangat Consistency Striving for Excellence, kami menghadirkan kinerja Perusahaan yang dinamis sejalan dengan perkembangan ekonomi. Kami menyibak sebuah kebijakan bisnis yang penuh dengan esensi kualitas atas kinerja Perusahaan.

    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.

  • Jumlah AsetTotal Asset

    Pendapatan Bunga Bersih

    Net Interest Revenue

    Jumlah EkuitasTotal Equity

    Aset Produktif Earning Assets

    51%6%

    13%15%

    2013

    HIGHLIGHTS

  • KILAS

    KINERJA 2013FLASHBACK

    PERFORMANCE OF 2013

    01

  • 6 PT. Bank SinarmaS Tbk. Laporan Tahunan 2013

    Ikhtisar KeuanganFinancial Highlights

    dalam Rp Juta / In IDR Million

    Uraian / Description 2011 2012 2013

    Laporan Laba Rugi / Statements of Income

    Pendapatan Bunga Bersih Net Interest Revenues 511,637 780,192 826,360

    Pendapatan di luar Bunga Non Interest Revenues 92,748 171,150 275,230

    Pendapatan Operasional Operating Revenues 1,402,920 1,622,734 1,665,377

    Beban Operasional Operating Expensess 1,247,843 1,337,255 1,379,277

    Laba Sebelum Pajak Income Before Tax 155,077 285,479 286,100

    Laba Bersih Net Income 112,650 227,907 221,100

    Jumlah Laba Komprehensif Total Comprehensive Income 113,719 233,351 221,156

    Laba Bersih per Saham Earning per Share

    Dasar Basic 13.64 23.57 17.87

    Dilusian Dilluted 13.39 20.15 16.5

    Laporan Posisi Keuangan / Statements of Financial Position

    Jumlah Aset Total Assets 16.658.656 15.151.892 17.447.455

    Aset Produktif Earning Assets 14.287.584 12.668.515 14.562.067

    Dana Pihak Ketiga Third Party Fund 14.853.064 12.860.714 13.819.061

    Jumlah Ekuitas Total Equity 1.294.968 1.825.608 2.754.260

    Rasio Keuangan / Financial Ratios

    Permodalan Equity

    Pemenuhan modal minimum Capital Adequacy Ratio (CAR) 13,98% 18,09% 21,82%

    Aset tetap terhadap modal Fixed Assets to Total Equity 33,06% 34,74% 26,85%

    Aset Produktif Earning Assets

    Aktifa produktif bermasalah Non-Performing Earning Assets 0,61% 2,63% 1,88%

    Kredit bermasalah (NPL)-bruto Non-Performing Loan (NPL) - Gross 0,88% 3,18% 2,50%

    Kredit bermasalah (NPL)-neto Non-Performing Loans (NPL) - net 0,79% 2,57% 2,12%

    PPAP-CKPN terhadap aset produktif Provision to Earning Assets 0,70% 0,73% 0,39%

    Pemenuhan PPA-CKPN Provisiom Compliance 100,00% 100,00% 100,00%

  • 7Annual Report 2013 PT. Bank SinarmaS Tbk.

    Ikhtisar KeuanganFinancial Highlights

    dalam Rp Juta / In IDR Million

    Uraian / Description 2011 2012 2013

    Rentabilitas Profitability

    Laba terhadap total aset Return of Assets (ROA) 1,07% 1,74% 1,71%

    Laba terhadap ekuitas Return on Equity (ROE) 10,03% 15,42% 9,23%

    Marjin bunga bersih Net Interest Margin (NIM) 5,65% 5,72% 5,23%

    Biaya operasional/Pendapatan operasional (BOPO) Operational Expenses/Operational Income

    93,55% 83,75% 83,25%

    Likuiditas Liquidity

    Kredit terhadap dana yang dihimpun Loans to Deposit Ratio (LDR) 69,50% 80,78% 78,72%

    Kepatuhan

    Presentase pelanggaran BMPK Percentage of Legal Lending Limit Violation

    - - -

    Pihak terkait Related Parties Nil Nil Nil

    Pihak tidak terkait Non Related Parties Nil Nil NilPresentase pelampauan BMPK Percentage of Legal Lending Limit Excesses

    Pihak terkait Related Parties Nil Nil Nil

    Pihak tidak terkait Non Related Parties Nil Nil NilGiro wajib minimum (Rupiah) Minimum Balance with Bank Indonesia (Rupiah)

    9,24% 9,45% 9,37%

    Posisi devisa neto Net Open Position 13,42% 6,58% 0,75%

  • 8 PT. Bank SinarmaS Tbk. Laporan Tahunan 2013

    Grafik Ikhtisar KeuanganFinancial Highlights Graphic

    Dalam jutaan RupiahIn million Rupiah

    Dalam jutaan RupiahIn million Rupiah

    Dalam jutaan RupiahIn million Rupiah

    Dalam jutaan RupiahIn million Rupiah

    Dalam jut

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