· Tahun 2018 merupakan awal dari tahap kedua program transformasi MNC Bank yaitu Focusing...

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Laporan TahunanAnnual Report2018

Laporan TahunanAnnual Report2018

Sharper Focus to Step Further

Jl. Kebon Sirih Raya No. 27Jakarta Pusat 10340Tel. (021) 2980 5555- Fax. (021) 3983 6700Telex. 65068 JKTBPIA - Swift: BUMIIDJA

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Tahun 2018 merupakan awal dari tahap kedua program transformasi MNC Bank yaitu Focusing Business.

Untuk mempertajam fokus bisnisnya, MNC Bank melakukan perbaikan proses internal dan memperkuat sinergi di seluruh tingkatan organisasi. Tidak kalah penting, Bank terus menyempurnakan transformasi digitalnya yang diwujudkan dengan menyediakan berbagai produk dan layanan inovatif demi memenuhi kebutuhan nasabah.

Keseluruhan elemen ini menjadi bagian yang tak terpisahkan dari fokus usaha MNC Bank dalam rangka memberikan nilai tambah kepada para pemegang saham dan nasabah Bank, yang pada akhirnya akan meningkatkan rentabilitas dan profitabilitas Bank.

The year 2018 was the beginning of the second phase of MNC Bank’s transformation program, namely Focusing Business.

To sharpen its business focus, MNC Bank has made improvement in its internal process and strengthen the synergy in all levels of the organization. No less important, the Bank has continuously improved its digital transformation, realized by providing various innovative products and services to fulfill the customers’ needs.

All of the aforementioned elements have become inseparable from MNC Bank’s business focus. This all is to give added values to the Bank’s shareholders and customers, which in turn will increase the Bank’s rentability and profitability.

MeMpertajaM fokusuntuk Melangkahke depanSharper Focus to Step Further

Pernyataan yang tertuang dalam Laporan Tahunan ini merupakan “pernyataan forward-looking” mengenai tujuan, ekspektasi, atau proyek dari PT Bank MNC Internasional Tbk atau manajemen Bank saat Laporan Tahunan ini diterbitkan. Pernyataan tersebut berhubungan dengan sudut pandang terhadap hasil bisnis atau hasil keuangan MNC Bank atau MNC Financial Services dan MNC Group. Pernyataan yang terdapat di Laporan Tahunan ini bukan menjadi jaminan kinerja di masa yang akan datang, karena hasil sebenarnya di masa depan dapat berbeda dengan pernyataan pada Laporan Tahunan ini dan dapat dipengaruhi oleh beberapa faktor di luar kendali manajemen. Pembaca tidak dapat sepenuhnya menggantungkan keputusannya terhadap pernyataan forward-looking pada Laporan Tahunan ini, karena pernyataan tersebut hanya berlaku ketika pernyataan tersebut dibuat. Kecuali jika hukum mewajibkan, MNC Bank tidak memiliki kewajiban untuk memperbarui atau mengumumkan revisi tersebut di depan umum di masa depan, kondisi atau keadaan yang tercermin dalam pernyataan forward-looking.

Statements Several items contained in this Annual Report constitute “forward-looking statements” regarding the intention, expectation, or projection of PT Bank MNC Internasional Tbk or the Bank’s management when the Annual Report is issued. The statements may relate to the perception on business results or financial results of MNC Bank or MNC Financial Services and MNC Group. Statements mentioned in this annual report are not guarantees of future performance, as the actual results in the future may differ from the statements in this Annual Report and be affected by several factors out of the management’s control. Readers cannot fully depend their decisions on the forward-looking statements in this Annual Report, because the statements only apply when the statements were made. Unless the law requires, MNC Bank does not have any obligation to renew or announce publicly the revision of future events, conditions or circumstances reflected in the forward-looking statements.

This report is written in Indonesian and English. If there is any conflict or inconsistency between the Indonesian version and the English version, the Indonesian shall be the prevailing version.

Laporan ini ditulis dalam Bahasa Indonesia dan Bahasa Inggris. Jika ada konflik atau ketidakkonsistenan antara versi bahasa Indonesia dan versi bahasa Inggris, maka bahasa Indonesia akan menjadi versi yang berlaku.

Daftar ISI Table of Content

04 IkhtIsar kInerjaPerformance Highlights

06 Kinerja Segmen Bisnis 20182018 Business Performance Highlights

08 Ikhtisar KeuanganFinancial Highlights

13 Ikhtisar OperasionalOperational Highlights

14 Jaringan KantorOffice Network

14 Ikhtisar SahamShare Highlights

15 Aksi KorporasiCorporate Actions

15 Ikhtisar ObligasiBond Highlights

15 Penghentian Sementara Perdagangan Saham Penghapusan Pencatatan Saham Suspension/Delisting

16 Peristiwa Penting di Tahun 2018Significant Events in 2018

01 penjelasan teMaTheme Explanation

42 surat pernYataan anggota DeWan koMIsarIs Dan DIreksI tentang tanggung jaWaB atas laporan tahunan 2018 pt Bank MnC InternasIonal tBkStatement Letter From the Board of Commissioners and Directors Regarding Responsibility for the 2018 Annual Report of PT Bank MNC Internasional Tbk

02 Daftar IsITable of Content

44 profIl perusahaanCompany Profile

46 Identitas PerusahaanCompany Information

48 Riwayat Singkat MNC BANKMNC Bank at a Glance

52 Produk dan JasaProducts and Services

54 Wilayah OperasionalOperational Areas

58 Jejak LangkahMilestones

60 Struktur Organisasi PerusahanOrganization Structure

62 Visi Misi & Nilai PerusahaanVision, Mission & Corporate Culture

64 Profil Dewan KomisarisBoard of Commissioners Profile

67 Profil DireksiBoard of Directors Profile

70 Profil Chief OfficerChief Officer Profile

72 Profil Group HeadGroup Head Profile

72 Informasi Perubahan Pengurus Setelah Tahun Buku BerakhirThe Information of Management Changes After the Ending of Fiscal Year

86 analIsIs Dan peMBahasan ManajeMenManagement Discussion and Analysis

88 Tinjauan MakroekonomiMacroeconomy Overview

93 Tinjauan IndustriIndustry Overview

95 Tinjauan UsahaBusiness Overview

104 Tinjauan dan Analisa KeuanganFinancial Analysis and Overview

116 Struktur Permodalan dan Kebijakan Struktur ModalOperational Areas

121 Dividen dan Kebijakan DividenMilestones

20 laporan ManajeMenManagement Report

22 Laporan Dewan KomisarisBoard of Commissioners Report

30 Laporan DireksiBoard of Directors Report

73 Demografi KaryawanEmployees Demography

74 Realisasi Pelaksanaan Training KaryawanEmployees Training Realization

75 Komposisi Pemegang SahamShareholders Composition

77 Struktur Pemegang SahamShareholders Structure

78 Struktur PerusahaanCorporate Structure

80 Kronologi Penerbitan SahamShares Chronology

82 Kronologi Penerbitan Efek LainOther Stocks Chronology

82 Nama dan Alamat Lembaga dan/atau Profesi PenunjangName and Address of Supporting Institu-tion and/or Profession

83 Informasi Pada Website PerusahaanCorporate Website Information

84 Penghargaan & SertifikasiAwards & Certifications

85 Pendidikan dan/atau Pelatihan Dewan Ko-misaris, Direksi, Komite-Komite, Sekretaris Perusahaan dan Audit InternalEducation and/or Training of The Board of Commissioners, Board of Directors, Committees, Corporate Secretary and Internal Audit

346 tanggung jawab sosIal perusahaanCorporate Social Responsibility

350 Kegiatan CSR 20182018 CSR Activities

352 CSR Terkait Ketenagakerjaan, & Keseha-tan dan Keselamatan KerjaCSR Related to Employement, Health and Safety

356 CSR Terkait Pengembangan Sosial KemasyarakatanCSR Related to Social Community Development

360 CSR Terkait Produk dan NasabahCSR Related to Products and Customers

391 laporan keuangan auDItAudited Financial Statements

366 referensIseojk no. 30/seojk .04/2016Reference SEOJK NO. 30/SEO-JK.04/2016

364 pengeloMpokan juM-lah Dan kualItas aset proDuktIf serta CkpnQuantity and Quality of Earning Assets and Provision for Loan Impairment Losses (CKPN)

380 referensIseojk no. 43/seojk .03/2016Reference SEOJK NO. 43/SEO-JK.03/2016

186 tata kelola perusahaanGood Corporate Governance

188 Pedoman Penerapan Tata KelolaGood Corporate Governance Guidelines

192 Roadmap Tata Kelola Perusahaan Yang BaikGood Corporate Governance Roadmap

198 Rapat Umum Pemegang SahamGeneral Meeting of Shareholders

217 Dewan KomisarisBoard of Commissioners

225 DireksiBoard of Directors

233 Penilaian Penerapan Tata Kelola 2018 Terhadap Dewan Komisaris dan Direksi2018 GCG Assessment for the Board of Commissioners and Directors

238 Rapat Dewan KomisarisMeetings of the Board of Commissioners

241 Rapat DireksiMeetings of the Board of Directors

251 Informasi Mengenai Pemegang Saham Utama dan PengendaliInformation on Ultimate Shareholders and Controling Shareholders

252 hubungan afiliasi antara anggota direksidewam komisaris dan pemegangsaham utama dan atau pengendaliMeetings of the Board of Commissioners

253 Komite Dewan Komisaris, Komite AuditThe Board of Commissioners Committees, Audit Committee

261 Komite Dewan Komisaris, Komite Nomina-si dan RemunerasiThe Board of Commissioners Committees, Nomination and Remuneration Committee

267 Komite Dewan Komisaris, Komite Peman-tau RisikoThe Board of Commissioners Committees, Risk Oversight Committee

125 tInjauan operasIonalOperational Review

126 Sumber Daya ManusiaHuman Resources

136 Teknologi InformasiInformation Technology

276 Komite Dewan Komisaris, Komite Tata Kelola TerintegrasiThe Board of Commissioners Committees, Integrated Governance Committee

282 ALCOALCO

285 Komite di Bawah Direksi Manajemen risikoRisk management committee

286 Komite di Bawah Direksi Komite Spesial Aset ManajemenCommittee Under the Board of Directors Committee of Special Asset Management

288 Komite di Bawah Direksi Pengarah Tekno-log I InformasiInformation Technology Steering Com-mittee

290 Komite di Bawah Direksi Special Aset ManajemenCommittee of Special Asset Management

292 Komite di Bawah Direksi Komite KreditCommittee of Special Asset Management

294 Komite di Bawah Direksi Komite Tata Kelola ProdukCommittee Under the Board of Directors Credit Committee

296 Sekretaris PerusahaanCorporate Secretary

306 Audit Internal Internal Audit

311 Akuntan PublikPublic Accountant

312 Fungsi KepatuhanCompliance Function

316 Managemen RisikoRisk Management

330 Sistem Pengendali InternalInternal Control System

333 Perkara Penting yang DihadapiPerseroanCompany Legal Cases

335 Kode EtikCode of Conduct

336 Budaya PerusahaanCorporate Culture

337 Sistem Whistleblowing Whistleblowing System

339 Kebijakan Mengenai Keberagaman Policy of Diversity of Board of Commissioners and Board of Directors

339 kebijakan & proseduranti korupsi Anti Corruption Policy & Procedures

342 pengadaan barang dan jasa Procrument

IkhtIsar kInerjaPerformance Highlights

01

06 Kinerja Segmen Bisnis 20182018 Business Performance Highlights

08 Ikhtisar KeuanganFinancial Highlights

13 Ikhtisar OperasionalOperational Highlights

14 Jaringan KantorOffice Network

14 Ikhtisar SahamShare Highlights

15 Aksi KorporasiCorporate Actions

15 Ikhtisar ObligasiBond Highlights

15 Penghentian Sementara Perdagangan Saham Pengha-pusan Pencatatan Saham Suspension/Delisting

16 Peristiwa Penting di Tahun 2018Significant Events in 2018

6 PT Bank MNC Internasional Tbk.

1

Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan

Manajemen

Performance Highlights Management Report Company Profile Management Discussion & Analysis

kInerja segMen BISnIS 2018

proDuk SImpanan saving products

proDuk kredIt Credit products

segMentasI naSaBah Consumers segment

2018 Business Performance Highlights

MNC Bank menghimpun Dana Pihak Ketiga (DPK) sebesar Rp8,47 triliun pada tahun 2018 dengan komposisi dana murah (CASA) dengan Deposito sebesar 18% berbanding 82%. MNC Bank compiled Third-party Fund (DPK) of Rp 8,47 trillion in 2018 with low cost composition (CASA) and Deposit are 18% compared to 82%.

Penyaluran kredit wholesale serta UKM sebesar Rp3,31 triliun atau mencapai 44% dari total kredit. The distribution of wholesale and SMEs credit was Rp 3,31 trillion or reached 44% of total credit.

Kredit konsumer mendominasi 56% dari total kredit atau sebesar Rp4,20 triliun. Produk yang menjadi segmen konsumer adalah Mortgage, Multifinance, Kartu Kredit dan Implant Banking. Kartu kredit merupakan salah satu produk Konsumer yang mengalami pertumbuhan yang sangat baik dimana mencatatkan pertumbuhan jumlah penerbitan kartu baru sebanyak 43 ribu kartu baru di tahun 2018.

Consumer Credit was dominated by 56% of total credit or Rp 4,20 trillion. There are several products of Consumers’ segments, such as Mortgage, Multifinance, Credit card and Implant Banking. Credit card is one of the Consumer products that experienced such encouraging growth which recorded a number of new card issuance of 43 thousand new cards in 2018

Wholesale dan UKM/Wholesale and SMEs

Kredit Konsumer/Consumer Credit

rp8,47%82

%44

%56

triliun/trillion

Porsi kredit wholesale dan UKM mencapai

Portion of wholesale and SMEs credit was

rp4,20triliun/trillion

%18

7Laporan Tahunan 2018 Annual Report

proDuk kredIt Credit products

rIngkasan kInerja keuangan 2018 2018 financial performance highlights

Pendapatan bunga bersih (Net Interest Income/NII) naik 12,41% YoY menjadi Rp387,47 miliar di tahun 2018 dari tahun 2017 sebesar Rp344,69 miliar.

Net Interest Income/NII rose 12.41% YoY to Rp 387.47 billion in 2018 from 2017 Rp 344.69 billion.

Pendapatan Operasional Selain Bunga sebesar Rp237,79 miliar, naik 106,07% YoY dari tahun 2017 sebesar Rp 115,40 miliar.

Other Operating Income was Rp 237.79 billion, increasing 106.07% YoY to 2017 by Rp 115.40 billion.

Laba Operasional sebesar Rp80,2 miliar, dimana pada tahun 2017 mencatatkan Rugi Operasional sebesar Rp917 miliar.

Operating Profit was amounted to Rp 80.2 billion, that in 2017, the Bank had recorded Operating Loss totaling to Rp 917 billion

Laba bersih tercatat sebesar Rp57,02 miliar di tahun 2018, dimana pada tahun 2017 mengalami rugi Rp685,19 miliar.

Net Profit was recorded to Rp 57.02 billion in 2018, that in 2017, had experienced loss by Rp 685.19 billion.

%12,41 %106,07

%108,75 %108,32

Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial perusahaan

Operational Review Corporate Governance Corporate Social Responsibility

MNC Bank menyalurkan kredit sebesar Rp7,51 triliun, didominasi oleh

kredit Konsumer sebesar 56% yang merupakan fokus bisnis Bank.

MNC Bank distributed credit of Rp 7,51 trillion, dominated by

Consumer Credit by 56%, which is the Bank’s business focus.

rp7,51triliun/trillion


1


Manajemen


IkhtIsar keuanganFinancial Highlights

Dalam Jutaan Rupiah In Million Rupiah

Uraian 2018 2017 2016 2015 2014 Description

LAPORAN POSISI KEUANGAN FINANCIAL POSITION

ASET ASSETS

Kas 173.207 121.769 144.975 108.955 91.556 Cash

Giro pada Bank Indonesia 408.893 603.840 761.639 812.623 596.195 Current Accounts with Bank Indonesia

Giro pada Bank Lain – Pihak Ketiga 257.890 192.564 292.470 1.266.474 203.246 Current Accounts with Other Banks -Third Parties

Penempatan pada Bank Indonesia dan Bank Lain – Pihak Ketiga 890.483 1.117.872 1.984.523 1.335.254 1.538.436

Placements with Bank Indonesia and Other Banks - Third Parties

Efek-Efek - Pihak Ketiga 927.423 1.101.137 1.375.817 1.173.954 503.806 Securities - Third Parties

Tagihan Derivatif – Pihak Ketiga 1.082 20 4.842 8.241 691 Derivative Receivables – Third Parties

Kredit – Bersih 7.272.968 6.783.806 7.941.795 7.047.265 6.128.833 Loans - Net

Tagihan Akseptasi – Pihak Ketiga 36.419 1.522 89.276 21.234 93.962 Acceptance Receivables – Third Parties

Biaya Dibayar di Muka 178.879 150.968 98.432 44.963 34.346 Prepaid Expenses

Aset Tidak Lancar yang Dimiliki untuk Dijual - - 2.407 - - Non-Current Assets Held for Sale

Aset Tetap – Bersih 48.137 55.113 54.151 50.041 19.016 Fixed Assets - Net

Aset Pajak Tangguhan – Bersih 259.109 276.842 59.075 63.028 86.002 Deferred Tax Assets - Net

Aset Tak Berwujud – Bersih 24.565 24.570 19.327 10.933 9.973 Intangible Assets - Net

Aset Lain-Lain – Bersih 375.800 276.071 228.820 194.039 124.654 Other Assets – Net

Jumlah Aset 10.854.855 10.706.094 13.057.549 12.137.004 9.430.716 Total Assets

ASETASSETS

2018 2017 20152016 2014

10.854.855

10.706.094

12.137.004

13.057.549

9.430.716

KrEdiT – BErSihLoAnS - nET

2018 2017 20152016 2014

7.272.968

6.783.806

7.047.265

7.941.795

6.128.833


Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan


dAnA PihAK KETigAThird-pArTy fund

2018 2017 20152016 2014

8.469.956

9.027.709

9.766.527

10.339.407

7.734.434

EKuiTASEquiTy

2018 2017 20152016 2014

1.429.990

1.252.548

1.708.204

1.860.405

1.233.215



LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas Segera 37.937 39.585 32.018 14.122 21.141 Liabilities Payable

Simpanan 8.469.956 9.027.709 10.339.407 9.766.527 7.734.434 Deposits

Simpanan dari Bank Lain – Pihak Ketiga 740.092 197.257 507.316 500.705 235.948

Deposits from Other Banks - ThirdParties

Liabilitas Derivatif – Pihak Ketiga - 95 3.576 3.714 112 Derivative Payable - Third Parties

Efek-Efek yang Dijual dengan Janji dibeli Kembali - - 89.941 - -

Securities Sold with Agreements to Repurchase

Liabilitas Akseptasi – Pihak Ketiga 36.419 1.522 89.276 21.234 93.962 Acceptance Payable – Third Parties

Utang Pajak 10.131 12.462 12.727 13.760 10.988 Taxes Payable

Liabilitas Imbalan Pasca Kerja 42.184 53.355 47.997 37.331 44.917 Post-Employee Benefit Obligation

Beban yang Masih Harus Dibayar 74.608 110.878 64.365 62.865 44.415 Accruals Expenses

Liabilitas Lain-Lain 13.538 10.683 10.521 8.542 11.584 Other Liabilities

Jumlah Liabilitas 9.424.865 9.453.546 11.197.144 10.428.800 8.197.501 Total Liabilities

Modal Saham – Nilai Nominal Rp100 Per 2.178.505 2.126.147 2.058.147 1.912.957 1.503.233

Share Capital - Nominal Value of Rp100

Saham Per Share

Tambahan Modal Disetor – Bersih 82.722 722 720 3.555 6.360 Additional Paid in Capital - Net

Laba (Rugi) Komprehensif Lain (11.323) 2.614 (6.720) (7.217) (67.109) Other Comprehensive Income (Loss)

Saldo Laba (Defisit) (819.914) (876.935) (191.742) (201.091) (209.269) Retained Earnings (Deficit)

Jumlah Ekuitas 1.429.990 1.252.548 1.860.405 1.708.204 1.233.215 Total Equity

Jumlah Liabilitas dan Ekuitas 10.854.855 10.706.094 13.057.549 12.137.004 9.430.716 Total Liabilities and Equity


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Manajemen



LAPORAN LABA RUGI KOMPREHENSIF STATEMENT OF PROFIT (LOSS) COMPREHENSIVE

PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUE AND EXPENSES

Pendapatan Bunga 960.256 1.021.547 1.060.551 950.521 760.698 Interest Income

Beban Bunga 572.785 676.858 693.697 663.414 524.417 Interest Expenses

Pendapatan Bunga – Bersih 387.471 344.689 366.854 287.107 236.281 Interest Income - Net

Pendapatan Operasional Lainnya 237.797 115.399 125.415 72.154 62.890 Other Operating Income

Beban Kerugian Penurunan Nilai 34.333 840.176 29.879 4.521 42.332 Provision for Impairment Losses

Beban Operasional Lainnya 510.738 536.912 409.632 343.793 328.149 Other Operating Expenses

Beban Operasional Lainnya – Bersih (307.274) 1.261.689 314.096 276.160 307.591 Other Operating Expenses - Net

Laba (Rugi) Operasional 80.197 (917.000) 52.758 10.947 (71.310) Operating Income (Loss)

PENDAPATAN (BEBAN) NON OPERASIONAL NON-OPERATING INCOME (EXPENSES)

Pendapatan (Beban) Non Operasional – Bersih (797) 10.930 (39.623) 241 1.270 Non-Operating Income (Expenses) - Net

Laba (Rugi) Sebelum manfaat (Beban) Pajak 79.400 (906.070) 13.135 11.188 (70.040) Income (Loss) Before Tax Benefit(Expenses)

Manfaat (Beban) Pajak Tangguhan (22.379) 220.877 (3.786) (3.010) 15.484 Deferred Income Tax (Expense) Benefit

Laba (Rugi) Bersih Tahun Berjalan 57.021 (685.193) 9.349 8.178 (54.556) Net Income (Loss) For the Year

Penghasilan (Rugi) Komprehensif Lain (13.937) 9.334 497 59.892 16.532 Other Comprehensive Income (Loss)

Jumlah Laba (Rugi) Komprehensif 43.084 (675.859) 9.846 68.070 (38.024) Total Comprehensive Income (Loss)

Laba (Rugi) Per Saham (Dalam Rupiah Penuh) Earnings (Loss) Per Share (In Full Amount)

Dasar 2,66 (33,19) 0,51 0,61 (5,91) Basic

Dilusian 2,66 (33,19) 0,47 0,57 (5,91) Diluted

Jumlah Laba (Rugi) Bersih yang dapat diatribusikan kepada pemilik 24.365 (283.875) 3.693 3.207 (21.757) Total Net Income (Loss) attributable to owner

Jumlah Laba (Rugi) Bersih yang dapat diatribusikan kepada kepentingan non- pengendali

32.656 (401.318) 5.656 4.971 (32.799) Total Net Income (Loss) attributable to non-controlling interest

Jumlah Laba (Rugi) Bersih yang dapat diatribusikan kepada pemilik dan kepentingan non-pengendali

57.021 (618.193) 9.349 8.178 (76.313) Total Net Income (Loss) attributable to owner and non-controlling interest

Jumlah Laba (Rugi) Bersih Komprehensif yang dapat diatribusikan kepada pemilik 18.410 (280.008) 3.889 26.69 6.593

Total Comprehensive Income (Loss) attributable to owner

Jumlah Laba (Rugi) Bersih Komprehensif yang dapat diatribusikan kepada kepentingan non- pengendali

24.674 (395.851) 5.957 41.38 9.939 Total Comprehensive Income (Loss) attributable to non-controlling interest

Jumlah Laba (Rugi) Bersih Komprehensif yang dapat diatribusikan kepada pemilik dan kepentingan non-pengendali

43.084 (675.859) 9.846 6.807 16.532 Total Comprehensive Income (Loss) attributable to owner and non-controlling interest






RASIO KEUANGAN (%) FINANCIAL RATIO (%)

PERMODALAN CAPITAL

KPMM dengan Memperhitungkan Risiko Kredit, Risiko Operasional dan Risiko Pasar

16,27 12,58 19,54 17,83 17,79 CAR by Calculating Credit Risk Operational Risk and Market Risk,

ASET PRODUKTIF EARNINGS ASSETS

Aset Produktif dan Non ProduktifBermasalah terhadap Total Aset Produktif dan Non Produktif

5,29 5,22 1,88 2,57 4,41Non-Performing Earnings and Non-Productive Assets to Total Earnings

and Non-Productive Assets

Aset Produktif Bermasalah terhadap Total Aset Produktif 4,28 5,08 1,77 2,18 4,41

Non-Performing Earnings Assets toTotal Earnings Assets

CKPN Aset Keuangan Terhadap AsetProduktif 2,38 3,27 0,42 0,39 1,54 Impairment Losses to Earnings Assets

NPL Gross 5,72 7,23 2,77 2,97 5,88 Gross Non-Performing Loan (NPL)

NPL Net 3,43 2,82 2,38 2,43 3,86 Net Non-Performing Loan (NPL)

PROFITABILITAS PROFITABILITY

ROA 0,74 -7,47 0,11 0,10 -0,82 Return on Assets (ROA)

ROE 5,43 -48,91 0,62 0,74 -6,69 Return on Equity (ROE)

NIM 4,10 3,04 3,28 3,32 3,43 Net Interest Margin (NIM)

BOPO 93,51 180,62 95,61 98,97 108,54 Operating Expenses to OperatingIncome (BOPO)

Rasio Liabilitas terhadap Jumlah Aset 86,83 88,30 85,75 85,93 86,92 Liabilities to Total Assets Ratio

LIKUIDITAS LIQUIDITY

Loan to Funding Ratio (LFR) 88,64 78,78 77,20 72,29 80,35 Loan to Funding Ratio (LFR)

KEPATUHAN COMPLIANCE

Persentase Pelanggaran BMPK - - - - - Percentage of Violation

GWM 6,71 6,86 7,15 8,61 8,18 Minimum Reserve Requirements

Posisi Devisa Netto 0,95 6,95 3,70 6,82 6,10 Net Open Position


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Manajemen


niMnET inTErEST MArgin (niM)

rOArETurn on ASSETS (roA)

BOPOopErATing ExpEnSES To opErATing incoME (Bopo)

rOErETurn on EquiTy (roE)

2018 2017 20152016 2014

93,51%

180,62%

98,97%

95,61 %

108,54%

2018 2017 20152016 2014

4,10%

3,04%

3,32%

3,28%

3,43%

2018 20182018 2018

2017 20172017 2017

2015 20152015 2015

2016 20162016 2016

2014 20142014 2014

5,43 0,74

-48,91 -7,47

0,74 0,10

0,62 0,11

-6,69 -0,82

%

PEndAPATAn BungAinTErEST incoME

LABA (rugi) OPErASiOnALopErATing incoME (LoSS)

2018 2017 20152016 2014

960.256

1.021.547

950.521

1.060.551

760.698

2018 2018

2017 2017

2015 2015

2016 2016

2014 2014

80.197

(917.000)

10.947

52.758

(71.310)




IkhtIsaroperaSIonalOperational Highlights

Produk 2018 2017 2016 2015 Products

PRODUK SIMPANAN SAVINGS PRODUCT

Giro 890.732 859.491 974.742 1.069.198 Current Account

Tabungan 640.617 606.961 647.786 567.339 Savings

Deposito Berjangka 6.938.607 7.561.257 8.716.879 8.129.990 Time Deposits

Total 8.469.956 9.027.709 10.339.407 9.766.527 Total

PRODUK KREDIT LOAN PRODUCT

Wholesale 2.946.188 2.954.878 3.271.522 3.154.129 Wholesale

Usaha Kecil Menengah (UKM) 368.137 460.243 686.826 351.768 Small-Medium Enterprise (SME)

Konsumer 4.197.308 3.699.801 4.035.968 3.579.332 Consumer

Total 7.511.633 7.114.922 7.994.316 7.085.228 Total


PrOduK KrEdiTLoAnS producT

PrOduK SiMPAnAnSAVing producT

2018 2018

Wholesale Giro | current AccountKonsumer | consumer Deposito | Time deposits

UKM | SME Tabungan | Savings

2017 20172015 20152016 2016

2.946.188

2.954.878

3.271.522

3.154.129

890.732

859.491

974.742

1.069.198

368.137

460.243

686.826 351.768

640.617

606.961

647.786

567.339

4.197.308

3.699.801

4.035.968

3.579.332

6.938.607

7.561.257

8.716.879

8.129.990


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jaringankantorOffice Network

Jaringan 2018 2017 2016 2015 Network

Kantor Pusat 1 1 1 1 Head Office

Kantor Cabang 16 16 16 16 Branch

Kantor Cabang Pembantu 28 32 34 33 Sub Branch

Kantor Kas 14 23 22 26 Cash Office

Payment Point 0 - - 2 Payment Point

Jumlah Kantor 59 72 73 78 Number of Office

ATM 83 99 93 83 ATM

Tertinggi / Highest Terendah / Lowest Penutupan / Close

ikhtisarsahamShare Highlights

BulanMonth

TertinggiHighest

TerendahLowest

PenutupanClose

Volume Perdagangan Total MarketTrading Volume Total Market

2018

Triwulan 1Quarter 1 58 50 51 573,439,000

Triwulan 2Quarter 2 75 50 50 1,017,524,000

Triwulan 3Quarter 3 75 50 50 1,798,690,000

Triwulan 4Quarter 4 51 50 50 1.812.364.000

2017





2017 2018

100

80

60

40

20Q1 Q1Q2 Q2Q3 Q3Q4 Q4




aksI korporaSICorporate Actions

Bedasarkan hasil RUPSLB tanggal 30 Mei 2017 pemegang saham MNC Bank telah menyetujui pelaksanaan Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu (HMETD).

Pada tanggal 28 Mei 2018, MNC Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-58/D.04/2018 untuk melakukan Penawaran Umum Terbatas VI dalam rangka penerbitan Hak Memesan Efek Terlebih Dahulu (HMETD). Jumlah saham yang diterbitkan sebanyak-banyaknya 4.780.327.410 lembar saham dengan harga penawaran Rp 100 per saham yang disertai dengan penerbitan Waran Seri IV sebanyak-banyaknya 4.780.327.410 saham, dimana setiap 1 (satu) saham hasil pelaksanaan HMETD melekat 1 Waran Seri IV yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 100 per saham.

MNC Bank berhasil memperoleh dana dari hasil Penawaran Umum Terbatas (PUT) VI sebanyak 273.580.271 saham dengan nilai nominal RP 100 per saham setara dengan Rp 27,3 miliar. Dimana 1 (satu) saham hasil pelaksanaan HMETD melekat 1 (satu) Waran Seri IV yang dapat dikonversi menjadi saham baru dengan harga pelaksanaan Rp 100 per saham, dimana pelaksanaan waran seri IV dapat dilaksanakan mulai 21 Desember 2018 sampai dengan 20 Juni 2023. Pada tanggal 31 Desember 2018, jumlah waran seri IV yang belum dilaksanakan adalah sebanyak 273.580.271.

Pada tanggal 31 Desember 2018, jumlah saham Bank yang telah dicatatkan di Bursa Efek Indonesia sejumlah 21.567.203.082 lembar saham.

Pursuant to the resolution of the Extraordinary GMS on May 30, 2017, MNC Bank shareholders approved the implementation of Capital Addition with Preemptive Rights (HMETD).

On May 28, 2018, MNC Bank obtained an effective statement from the Financial Services Authority Board of Commissioners No. S-58/D.04/2018 for conducting Limited Public Offering VI in issuing Preemptive Rights (HMETD). The total shares issued is a maximum of 4,780,327,410 shares with an offering price of Rp 100 per share. It is accompanied by the issuance of Series IV Warrants in a maximum of 4,780,327,410 shares, which every 1 (one) share resulting from HMETD is attached to 1 Series IV Warrants that give the shareholders the right to buy new shares at an exercise price of Rp. 100 per share.

MNC Bank managed to obtain funds from the proceeds of the Limited Public Offering (PUT) of 273,580,271 shares with a nominal value of Rp. 100 per share equivalent to Rp. 27.3 billion. 1 (one) share resulting from the exercise of Rights is attached to 1 (one) Series IV Warrants that can be converted into new shares at an exercise price of Rp. 100 per share. The execution of series IV warrants can be carried out from December 21, 2018 to June 20, 2023. On December 31, 2018, the total of series IV warrants that have not been implemented is 273,580,271.

As of December 31, 2018, the total of Bank shares listed on the Indonesia Stock Exchange amounted to 21,567,203,082 shares.

IkhtIsaroBlIgaSI

penghentIan seMentara perDaganganSaham penghapuSan pencatatan Saham

Bond Highlights

Bond Highlights

Selama tahun 2018, MNC Bank tidak menerbitkan obligasi.Throughout 2018, MNC Bank did not issue any bonds.

Selama tahun buku 2018, MNC Bank tidak dikenakan sanksi penghentian sementara perdagangan saham maupun penghapusan pencatatan saham oleh regulator di Indonesia. Throughout the 2018 fiscal year, MNC Bank was not imposed any sanction for suspended or delisting of share trading by the regulators in Indonesia.


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perIstIwa pentIng dI tahun 2018Significant Events in 2018

Januari 2018 january Maret 2018 March

april 2018 april

Februari 2018 February

19 02

03

23

17

23

MNC Bank Raih Predikat ‘The Most Improved Banking of the Year’MNC Bank mendapatkan apresiasi “The Most Improved Banking of the Year” pada Indonesian Creativity & Best Leader Award 2018 atas rekam jejaknya yang baik dalam melakukan perbaikan dan pengembangan perusahaan.

MNC Bank Received Predicate ‘The Most Improved Banking of the Year’MNC Bank was received with an appreciation as “The Most Improved Banking of the Year” at the Indonesian Creativity & Best Leader Award 2018 for the Bank’s good track record in the Company’s improvement and development.

MNC Bank Raih Predikat Platinum pada Indonesia Corporate Secretary & Corporate Communication Award 2018 dan Indonesia Information Technology Award 2018MNC Bank mendapatkan apresiasi peringkat Platinum pada Indonesia Corporate Secretary & Corporate Communication Award 2018 dan Indonesia Information Technology Award 2018 atas keberhasilan menjaga reputasi perusahaan dan inovasi pada bidang infrastruktur IT perbankan.

MNC Bank Received Platinum Predicate at Indonesia Corporate Secretary & Corporate Communication Award 2018 and Indonesia Information Technology Award 2018MNC Bank was received with Platinum predications at the Indonesia Corporate Secretary & Corporate Communication Award 2018 and Indonesia Information Technology Award 2018 for the Company’s success in maintaining its reputation and innovation in the banking IT infrastructure.

MNC Bank Raih Predikat Platinum dari Indonesia CSR Award 2018MNC Bank mendapatkan apresiasi peringkat Platinum pada Indonesia CSR Award 2018 atas rekam jejaknya yang baik dalam kegiatan berwawasan sosial.

MNC Bank Received Platinum Predicate from Indonesia CSR Award 2018MNC Bank was received with a Platinum Predication at the Indonesia CSR Award 2018 for the Bank’s good track record in social-valued activities.

MNC Bank Best Lender of the Year Menurut Loan MarketMNC Bank mendapatkan apresiasi Best Lender dari Loan Market Indonesia atas kinerja fasilitas KPR melalui agen pemasaran properti Loan Market.

MNC Bank Best Lender of the Year According to Loan MarketMNC Bank was received with an appreciation as Best Lender from Loan Market Indonesia for the Bank’s performance in its housing loans (KPR) through Loan Market property agents.

Kerja Sama MNC Bank dengan Dirjen DUKCAPILMNC Bank kerja sama dengan Dirjen DUKCAPIL untuk pemanfaatan data nomor induk kependudukan dan e-KTP untuk validasi data nasabah.

MNC Bank Collaborates with Director General of DUKCAPILMNC Bank had the collaboration with the Director General of the Population and Civil Registry (DUKCAPIL) for utilizing citizenship identity number and e-ID card data for customers data validation.

MNC Bank Tandatangani MOU dengan IntilandMNC Bank menandatangani MOU dengan beberapa entitas anak dari Intiland Development untuk memacu pertumbuhan KPR dan KPA.

MNC Bank Signs MOU with IntilandMNC Bank signed an MOU with some subsidiaries of Intiland Development to accelerate the growth of Housing and Apartment Loans.




Juni 2018 june

Juli 2018 julyMei 2018 May

04

1930

17MNC Bank Rilis Kartu GPNMNC Bank menerbitkan Kartu ATM Gerbang Pembayaran Nasional (GPN) sehingga sesuai dengan program Bank Indonesia (BI) terkait sistem GPN membuat satu kartu ATM dapat digunakan di seluruh jaringan ATM di Indonesia.

MNC Bank Issues GPN CardMNC Bank issued National Gateway Payment (GPN) ATM Card, which is in line with the Bank Indonesia’s GPN related program. It is the one single ATM card that can be used in all ATM networks across Indonesia.

MNC Bank Berikan Hadiah MobilMNC Bank berikan hadiah langsung berupa mobil bagi nasabah Tabungan MNC Berhadiah di Denpasar.

MNC Bank Gives Away Car as the Prize MNC Bank gave away a car for the winning customer of Tabungan MNC in Denpasar.

MNC Bank Raih Penghargaan Indonesia Human Capital AwardMNC Bank mendapatkan apresiasi peringkat Gold pada Indonesia Human Capital Award 2018 atas rekam jejaknya yang baik dalam pengembangan sumber daya manusia.

MNC Bank Wins Indonesia Human Capital AwardMNC Bank was bestowed with Gold predication at the Indonesia Human Capital Award 2018 for the Bank’s track record in its human resource development.

MNC Bank Raih Penghargaan Indonesia Digital Innovation AwardMNC Bank mendapatkan apresiasi “Innovative Company in Digital Banking Applications” pada Indonesia Digital Innovation Award 2018 atas inovasi dalam pengembangan aplikasi digital untuk perbankan.

MNC Bank Wins Indonesia Digital Innovation AwardMNC Bank was honored as Innovative Company in Digital Banking Applications at the Indonesia Digital Innovation Award 2018 for the Bank’s innovation in developing digital banking applications.

MNC Bank Gunakan Logo Baru pada CabangMNC Bank memperlihatkan penerapan logo baru di Kantor Cabang MNC Bank setelah resmi efektif pada tanggal 31 Mei 2018.

MNC Bank Uses New Logo at Branches MNC Bank displays the use of its new logo at MNC Bank’s branches, effective after the launch of the new logo on May 31, 2018.

MNC Bank Raih Indonesian Business Professional & Education AwardMNC Bank mendapatkan apresiasi The Best Reputable Banking with Customer Satisfaction of the Year pada Indonesian Business Professional & Education Award 2018 atas kemampuan menjaga reputasi dan komunikasi dengan seluruh pemangku kepentingan.

MNC Bank Wins Indonesian Business Professional & Education AwardMNC Bank was honored with an appreciation as The Best Reputable Banking with Customers Satisfaction of the Year at the Indonesian Business Professional & Education Award 2018 for the Bank’s capability of maintaining its reputation and communications with all the stakeholders.


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MNC Bank Adakan Gathering Tabungan Arisan NasionalMNC Bank mengadakan gathering nasabah untuk penarikan arisan sebagai bagian dari rangkaian program Tabungan Arisan Nasional.

MNC Bank Holds ‘Tabungan Arisan Nasional’ GatheringMNC Bank held a customer gathering in the form of arisan (rotating savings group). The activity was part of a series of National Arisan Savings programs.

MNC Bank Raih TOP CSRMNC Bank meraih “TOP CSR 2018” dan “TOP Leader on CSR Commitment” atas rekam jejak yang baik dalam kegiatan sosial korporasi.

MNC Bank Named TOP CSRMNC Bank was honored as TOP CSR 2018 and TOP Leader on CSR Commitment for the Bank’s good track record in corporate social activities.

Ulang Tahun, MNC Bank Adakan PromoDalam rangka memberikan apresiasi dan nilai lebih untuk nasabah secara umum dan karyawan group MNC secara khusus, MNC Bank mengadakan bazaar promo berbagai produk di MNC Center Kebon Sirih.

Celebrating Anniversary, MNC Bank Holds PromoAs a means of giving appreciation and added value for its customers in general and staff of MNC Group in particular, MNC Bank held promo bazaar featuring various products. The bazaar was held at MNC Center Kebon Sirih.

Perayaan Ulang Tahun MNC BankSelain menyelenggarakan berbagai promo menarik bagi nasabah, ulang tahun MNC Bank juga dirayakan dengan sederhana. Perayaan dihadiri oleh seluruh karyawan, manajemen dan undangan dari berbagai unit bisnis MNC Group termasuk Bapak Hary Tanoesoedibjo selaku Chairman MNC Group, Ibu Liliana Tanoesoedibjo selaku Chairwoman MNC Group, dan Ibu Jessica Tanoesoedibjo selaku Direktur MNC Financial Services. Seluruh kegiatan adalah dari karyawan untuk karyawan, dimulai dari pentas seni oleh karyawan hingga coaching motivasi oleh Bapak Hary Tanoesoedibjo.

MNC Bank Anniversary CelebrationIn addition to featuring various interesting promos for its customers, MNC Bank held a simple anniversary celebration. The event saw the attendance of all employees, management and invitees from various business units within MNC Group, including Mr. Hary Tanoesoedibjo as the Chairman of MNC Group, Mrs. Liliana Tanoesoedibjo as the Chairwoman of MNC Group and Ms. Jessica Tanoesoedibjo as the Director of MNC Financial Services. All the activities were conducted from the employees for the employees, starting from art performance by the employees to motivation coaching by Mr. Hary Tanoesoedibjo.

aGuStuS 2018 auGuST

OktOber 2018 OcTOber

15

05

15

MNC Bank Edukasi 18 Kota untuk Bulan InklusiMNC Bank melaksanakan edukasi di 18 Kota dengan lebih dari 1700 jumlah partisipan dalam rangka bulan Inklusi dan ulang tahun.

MNC Bank Educates 18 Cities for Inclusion MonthMNC Bank held education events in 18 cities with more than 1,700 participants. The event was held for the inclusion month and commemorating the anniversary.




nOveMber 2018 nOveMber DeSeMber 2018 DeceMber19 07

15

MNC Bank Diakui sebagai Fastest Growing MasterCard BankMNC Bank mendapatkan apresiasi sebagai Fastest Growing MasterCard Bank pada MasterCard Appreciation Night 2018 atas rekam jejaknya yang baik dalam pertumbuhan kartu dan layanan dari MasterCard.

MNC Bank Recognized as Fastest Growing MasterCard BankMNC Bank was bestowed with an appreciation as the fastest Growing MasterCard Bank at the MasterCard Appreciation Night 2018 for the Bank’s good track record in MasterCard’s growth and service.

MNC Bank Raih Anugerah Perbankan Indonesia 2018MNC Bank mendapatkan apresiasi Peringkat 1 Bank Swasta Tbk terbaik di Indonesia untuk kelompok BUKU II (aset Rp10 T s/d Rp25 T) pada Anugerah Perbankan Indonesia Human atas rekam jejaknya yang baik dalam aspek GCG, IT, CSR, dan Corporate Communication hingga berdampak positif pada kinerja keuangan 2018.

MNC Bank Wins ‘Anugerah Perbankan Indonesia 2018 Award’MNC Bank was recognized as the first Rank of Private Bank of Public Company in Indonesia for the category of BUKU II (with assets from Rp10 trillion to Rp25 trillion) at the Indonesia Human Banking Award. The award was bestowed on the Bank for its good track record in GCG, IT, CSR and Corporate Communication; all of which have positively impacted the 2018 financial performance.

laporan manajemenManagement Reports

22 Laporan Dewan KomisarisBoard of Commissioner Reports

30 Laporan Dewan DireksiBoard of Directors Reports

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laporan Dewan komISarISBoard of Commissioners Reports

Secara umum, Dewan Komisaris menilai bahwa Kinerja Direksi tahun 2018 cukup

baik, hal tersebut tercermin dari perbaikan kinerja keuangan Bank serta pencapaian aspek operasional, keuangan dan aspek

lainnya sebagaimana telah dirumuskan pada awal tahun 2018.

In general, the Board of Commissioners considers

the Board of Directors has done its commendable

performance throughout 2018. This has been reflected to the Bank’s improvement in Bank’s financial performance

as well as operational and financial achievements, and other aspects as formulated

at the beginning of 2018.

‘‘

PONKY N. PUDIJANTOPresiden Komisaris Independen

Independent President Commissioner

2

Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan

Manajemen

Operational Highlights Management Report Company Profile Management Discussion & Analysis



Operational Review Good Corporate Governance Corporate Social Responsibility


Pemegang saham dan pemangku kepentingan yang kami hormati,

Sepanjang tahun 2018, Dewan Komisaris telah melaksanakan tugas dan tanggung jawab sesuai dengan Anggaran Dasar dan Pedoman Kerja Dewan Komisaris serta melakukan pengawasan terhadap pelaksanaan tugas Direksi atas implementasi kebijakan strategis Bank, prospek usaha serta penerapan tata kelola Perusahaan yang baik di lingkungan Bank. Kami bersyukur MNC Bank berhasil melalui tahun 2018 yang penuh tantangan, dengan menunjukkan pertumbuhan kinerja yang cukup baik.

Perekonomian global masih mengalami ketidakpastian dan penuh tantangan selama tahun 2018, hal tersebut disebabkan kenaikan Fed Funds Rate (FFR), perlambatan pertumbuhan ekonomi negara maju, tingginya risiko perang dagang Amerika Serikat (AS) dan Tiongkok dan geo-politik yang masih tinggi berdampak pada tetap rendahnya volume perdagangan dunia. Meskipun dipengaruhi oleh kondisi global namun pertumbuhan ekonomi Indonesia relatif stabil yang ditopang oleh peningkatan investasi dan permintaan domestik.

Perekonomian Indonesia di tahun 2018 menunjukkan kondisi yang stabil dengan tingkat pertumbuhan dan inflasi yang terjaga. Meskipun begitu, pertumbuhan ekonomi Indonesia sedikit mengalami gejolak, khususnya pada indikator nilai tukar, cadangan devisa dan defisit neraca pembayaran. Sepanjang 2018, Badan Pusat Statistik mencatat perekonomian Indonesia tumbuh 5,17%. Pertumbuhan ekonomi tersebut lebih tinggi dari capaian sepanjang 2017 yang tumbuh 5,07%, tetapi di bawah target Anggaran Pendapatan dan Belanja Negara (APBN) yang dipatok 5,4%. Ekonomi Indonesia triwulan IV-2018 dibanding triwulan III-2018 mengalami kontraksi sebesar 1,69%. Stagnasi pada triwulan IV tersebut tak terlepas dari kondisi perlambatan perekonomian global.

Dear distinguished shareholders and stakeholders,

Throughout 2018, the Board of Commissioners carried out their duties and responsibilities in accordance with the Articles of Association and Work Guidelines of the Board of Commissioners. The Board of Commissioners also supervised the implementation of the Board of Directors’ duties on the implementation of the Bank’s strategic policies, business prospects and the implementation of good corporate governance within the Bank. We are grateful that MNC Bank successfully has been through 2018 that was full of challenges, by showing good performance growth.

The global economy has still met uncertainty and challenges during 2018, due to the increase in the Fed Funds Rate (FFR), slowing economic growth in developed countries, high risk of the US trade wars and China and geo-politics that still gave a high impact to the low volume of world trade. Although affected by global condition, Indonesia’s economic growth is relatively stable, supported by increased investment and domestic demand.

The Indonesian economy in 2018 showed a stable condition with maintained growth and inflation rates. Even so, Indonesia’s economic growth has experienced a slight upheaval, particularly in the exchange rate indicators, foreign exchange reserves and balance of payments deficits. Throughout 2018, the Central Bureau of Statistics noted that the Indonesian economy grew by 5.17%. It was higher than the achievement in 2017 grew by 5.07%, but below the State Budget (APBN) target that set at 5.4%. Indonesian economy in quarter IV-2018 compared to quarter III-2018 contracted by 1.69%. The stagnation in the fourth quarter was inseparable from the condition of global economic downturn.


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Rasio % Ratio

CAR 22,97 CAR

LDR 94,78 LDR

NPL Gross 2,40 NPL Gross

NPL Nett 1,0 NPL Nett

Sumber : Statistik Perbankan Indonesia Desember 2018 dan Laporan Kebijakan Moneter Triwulan IV 2018

Source : Indonesia Banking Statistic, December 2018 and Monetary Policy Review 4th Quarter of 2018

Secara keseluruhan, pertumbuhan ekonomi Indonesia di 2018 masih dipengaruhi oleh komponen produksi seperti sektor pertanian, industri pengolahan non-migas, perdagangan besar dan pengadaan listrik dan gas. Komponen lain yang mempengaruhi pertumbuhan perekonomian Indonesia adalah komponen pengeluaran seperti pengeluaran konsumsi ibu rumah tangga khususnya kelompok restoran dan hotel.

Stabilitas Sistem Keuangan dinilai masih stabil. Hal tersebut diindikasikan oleh pertumbuhan tingkat inflasi yang stabil dan berada pada level yang rendah. Inflasi Indeks Harga Konsumen (IHK) pada 2018 tetap terkendali dalam kisaran sasaran 3,5%±1% (yoy). Inflasi IHK pada Desember 2018 tercatat 3,13% (yoy), lebih rendah dibandingkan dengan inflasi tahun sebelumnya 3,61% (yoy) dan rerata pencapaian inflasi tiga tahun terakhir 3,33% (yoy). Perkembangan ini membuat inflasi IHK tetap dapat dijaga berada dalam kisaran sasarannya dalam empat tahun terakhir.

Sementara pada industri perbankan khususnya Bank Umum Konvensional, Capital Adequacy Ratio (CAR) perbankan berada di level 22,97 %, likuiditas yang memadai dengan Loan to Deposit Ratio (LDR) sebesar 94,78 % serta risiko yang masih dapat ditekan dengan penurunan angka non-perfoming loan (NPL) gross 2,74% dan NPL nett 1,11%.

On the whole, Indonesia’s economic growth in 2018 was still influenced by production components such as the agricultural sector, non-oil and gas processing industry, large trade and procurement of electricity and gas. Another component that affects the growth of the Indonesian economy is the component of expenditure such as consumption expenditures for housewives, especially restaurant and hotel groups.

Financial System Stability was still considered stable. This was indicated by the steady growth in the inflation rate and at a low level. The Consumer Price Index (CPI) inflation in 2018 remained under control in the target range of 3.5% ± 1% (yoy). CPI inflation in December 2018 was recorded at 3.13% (yoy), lower than the previous year’s inflation (3.61% yoy) and the average achievement of inflation in the last three years (3.33% yoy). This development has kept CPI inflation within its target range in the past four years.

Meanwhile in the banking industry, especially Conventional Commercial Banks, banking Capital Adequacy Ratio (CAR) was at 22.97%, adequate liquidity with an LDR of 94.78% and risk that could still be reduced by a decrease in gross non-perfoming loan (NPL) 2.74% and NPL nett 1.11%.

PEniLAiAn TErhAdAP KinErjA dirEKSi Secara umum, Dewan Komisaris menilai bahwa kinerja Direksi tahun 2018 cukup baik, hal tersebut tercermin dari perbaikan kinerja keuangan Bank dibandingkan tahun sebelumnya serta pencapaian aspek operasional, keuangan dan aspek lainnya yang berkaitan erat dengan perkembangan usaha bank sebagaimana dirumuskan pada awal tahun 2018.

Penilaian Dewan Komisaris didasarkan pada sejumlah indikator utama yang tercapai. MNC Bank berhasil membukukan laba sebesar Rp 57,02 miliar di tahun 2018 setelah kerugian yang dialami oleh Bank ditahun 2017. Pertumbuhan kredit terus meningkat, tahun 2018 tercatat penyaluran kredit sebesar Rp 7,51 triliun meningkat 5,58% dari tahun 2017 sebesar Rp 7,11 triliun. Sementara Dana Pihak Ketiga mengalami perubahan komposisi dengan meningkatkan CASA pada 2018 sebesar Rp 1,53 triliun meningkat 4,43% dari tahun 2017 sebesar 1,47 triliun.

Assessment of Directors PerformAnceIn general, the Board of Commissioners considers that the Board of Directors' performance in 2018 is quite sound. This is reflected in the improvement of the Bank's financial performance compared to the previous year as well as the achievement of operational, financial and other aspects closely related to the bank's business development as formulated in early 2018.

The Board of Commissioners' assessment is based on a number of key indicators that have been achieved. MNC Bank managed to record a profit of Rp. 57.02 billion in 2018 after the losses suffered by the Bank in 2017. Credit growth continued to increase. In 2018, it recorded the credit lending of Rp. 7.51 trillion increased 5.58% from 2017 amounting to Rp. 7.11 trillion. While Third Party Funds experienced a change in composition by increasing CASA in 2018 by Rp 1.53 trillion, an increase of 4.43% from 2017 at 1.47 trillion.


Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan


Dalam menyikapi kondisi ekonomi dan industri tahun 2018, Bank menuangkan fokus yang besar terhadap konsolidasi dan perbaikan terhadap proses-proses internal untuk menjadikan Bank lebih profitable. Upaya tersebut tidak lepas dari kerja keras Direksi dan seluruh karyawan Bank.

Tahun 2018, terdapat perubahan dari komposisi manajemen dengan tujuan mempersiapkan struktur organisasi Bank yang lebih efisien, baik secara operasional maupun pengelolaan. Hal tersebut agar pengambilan keputusan dapat menjadi lebih efektif terutama di fase kedua transformasi yaitu Focusing the Business. Berbagai perubahan tersebut menunjukkan komitmen Bank untuk mampu beradaptasi kepada setiap tantangan dengan tujuan akhir memungkinkan pertumbuhan bank yang berkelanjutan.

Selain itu, terdapat beberapa pencapaian yang sudah terpenuhi di 2018. Pertama, peraihan kinerja positif dengan Laba bersih Rp 57,02 miliar, kemudian telah terisinya beberapa posisi strategis organisasi dengan kualifikasi yang mumpuni. Hal tersebut memberikan rasa percaya diri bagi Bank dalam menghadapi tahun-tahun yang akan datang.

PEniLAiAn TErhAdAP KinErjA KOMiTE-KOMiTE diBAwAh dEwAn KOMiSAriSDewan Komisaris telah memiliki beberapa komite dibawah Dewan Komisaris yang berperan membantu pengawasan Bank secara efektif dan efisien, yaitu Komite Audit, Komite Pemantau Risiko, dan Komite Remunerasi dan Nominasi. Dewan Komisaris menilai bahwa ketiga komite tersebut telah menjalankan tugas dengan baik sesuai fungsi dan kapasitasnya.

Komite Audit telah membantu memberi pengarahan dan evaluasi kinerja keuangan serta memantau laporan keuangan agar sesuai dengan standar akutansi yang berlaku. Selain itu komite telah memantau dan mengevaluasi efektifitas audit baik yang dilaksanakan auditor internal maupun auditor eksternal, meliputi rencana audit, pelaksanaan dan pelaporan audit, pencapaian KPI, serta kecukupan sumber daya audit. Selanjutnya komite juga membantu pemantauan tindaklanjut atas temuan audit baik oleh Audit Internal, OJK, maupun Audit Eksternal lainnya. Secara keseluruhan, komite dinilai telah memainkan peranan positif dalam melaksanakan fungsi sebagai pengawas independen dalam berbagai aspek organisasi terkait keandalan laporan keuangan. Komite Audit telah melakukan 10 pertemuan sepanjang 2018.

Komite Pemantau Risiko telah membantu evaluasi kesesuaian kebijakan manajemen risiko dengan pelaksanaan kebijakan Bank. Hal tersebut dilakukan dengan memberikan rekomendasi kepada Dewan Komisaris mengenai kebijakan manajemen risiko untuk memastikan bahwa Bank telah mengelola risiko-risiko secara memadai melalui kebijakan, ketentuan, sistem, prosedur dan kegiatan usaha yang

In addressing the economic and industrial conditions in 2018, the Bank has put a great focus on consolidation and improvement of internal processes to make the Bank more profitable. These efforts were inseparable from the hard work of the Board of Directors and all Bank employees.

In 2018, there was a change in the composition of management with the aim of preparing the Bank's organizational structure to be more efficient, both operational and management. It aimed to make the decision making become more effective, especially in the second phase of transformation, Focusing the Business. These changes showed the Bank's commitment to adaptability on every challenge with the ultimate goal of enabling sustainable bank growth.

In addition, several achievements have been obtained in 2018. First, the Bank achieved a positive performance with a net profit of Rp. 57.02 billion. Moreover, several strategic positions of the organization with qualified qualifications has ben filled. This gives confidence for the Bank in the facing the upcoming years.

Assessment of PerformAnce of committees UnDer the BoArD of commissionersThe Board of Commissioners has several committees under the Board of Commissioners whose role is to help oversee the Bank effectively and efficiently, namely the Audit Committee, Risk Monitoring Committee and Remuneration and Nomination Committee. The Board of Commissioners considers that the three committees have carried out their duties properly according to their functions and capacities.

The Audit Committee has helped guide and evaluate financial performance and monitor financial statements to comply with the applicable accounting standards. In addition, the committee has monitored and evaluated the effectiveness of the audit, both carried out by internal auditors and external auditors, including audit plans, audit implementation and reporting, achievement of KPIs, and adequacy of audit resources. Furthermore, the committee also assists in monitoring the follow-up of audit findings both by Internal Audit, OJK, and other External Audit. Overall, the committee is considered to have played a positive role in carrying out its functions as an independent supervisor in various aspects of the organization regarding the reliability of financial statements. The Audit Committee has conducted 10 meetings throughout 2018.

The Risk Monitoring Committee has helped evaluating the suitability of risk management policies with the implementation of Bank policies. This is done by providing recommendations to the Board of Commissioners regarding risk management policies to ensure that the Bank has managed risks adequately through policies, regulations, systems, procedures and business activities carried out


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dijalankan Bank telah sesuai dengan regulasi OJK dan ketentuan peraturan perundang-undangan yang berlaku. Selanjutnya, komite juga melakukan pemantauan dan evaluasi dari pelaksanaan tugas Komite Manajemen Risiko dan unit kerja Risk Management selaku satuan kerja manajemen resiko. Menyampaikan rekomendasi kepada Dewan Komisaris atas kebijakan yang telah diambil oleh Direksi berkaitan dengan manajemen risiko. Komite Pemantau Risiko telah melakukan 10 pertemuan sepanjang 2018.

Komite Remunerasi dan Nominasi telah memberikan rekomendasi kepada Dewan Komisaris mengenai Komposisi Direksi dan Dewan Komisaris, kebijakan dan kriteria dalam proses nominasi, dan kebijakan evaluasi kinerja Direksi dan Dewan Komisaris. Selain itu komite juga telah melakukan penilaian kinerja anggota Direksi dan Dewan Komisaris, memberikan rekomendasi mengenai program pengembangan kemampuan, serta rekomendasi terkait fungsi remunerasi. Komite Remunerasi dan Nominasi telah melakukan 5 kali rapat sepanjang 2018.

PAndAngAn ATAS PrOSPEK uSAhA Tahun 2019 diprediksi tidak akan lebih mudah dibandingkan dengan tahun 2018. MNC Bank akan menghadapi banyak tantangan baik internal maupun eksternal. Meskipun banyak tantangan, terdapat prospek di tahun depan yang mendorong MNC Bank untuk bekerja lebih efisien, cerdas, dan bisa memanfaatkan segmen pasar yang menjadi target Bank.

MNC Bank masih memiliki prospek yang baik di tahun yang akan datang mengingat komitmen para shareholders yang besar dan berbagai upaya yang dilakukan oleh Direksi. Tahun 2019 dan tahun-tahun yang akan datang diharapkan akan memberikan prospek yang baik. Tiga hal utama yang perlu menjadi perhatian Direksi adalah: 1) Memperbaiki margin usaha, 2) meningkatkan kualitas portofolio kredit, dan 3) meningkatkan kontribusi kantor cabang dalam pencapaian target profitabilitas Bank. Selain itu, perkembangan dunia Fintech dan teknologi perbankan menjadi salah salah satu bidang yang prospektif bagi profitability Bank.

by the Bank in accordance with OJK regulations and the applicable statutory provisions. Furthermore, the committee also monitors and evaluates the duty implementation of the Risk Management Committee and the Risk Management work unit as the risk management work unit. The Committee also delivers the recommendations to the Board of Commissioners on the policies taken by the Board of Directors relating to risk management. The Risk Monitoring Committee has conducted 10 meetings throughout 2018.

The Remuneration and Nomination Committee has provided recommendations to the Board of Commissioners regarding the composition of the Board of Directors and the Board of Commissioners, policies and criteria in the nomination process, and the performance evaluation policies of the Board of Directors and Board of Commissioners. In addition, the committee has also assessed the performance of the Board of Directors and the Board of Commissioners members, provided recommendations on capacity building programs, and gave recommendations related to the remuneration function. The Remuneration and Nomination Committee has held 5 meetings throughout 2018.

View of BUsiness ProsPects2019 is predicted to be no easier compared to 2018. MNC Bank will face many challenges both internally and externally. Despite many challenges, the prospects for the next year still comes that encourage MNC Bank to work more efficiently, smartly, and be able to utilize the market segments that are targeted by the Bank.

MNC Bank still has good prospects in the upcoming year given the commitment of the large shareholders and the various efforts made by the Directors. 2019 and the years to come are expected to offer the good prospects. The three main things that need to be addressed by the Directors are: 1) Improving business margins, 2) improving the quality of the loan portfolio, and 3) increasing the contribution of branch offices in achieving the Bank’s profitability targets. In addition, the world development of Fintech and banking technology has become one of the prospective lines for the Bank’s profitability.




PAndAngAn ATAS PEningKATAn KuALiTAS SdM dAn TATA KELOLA MNC Bank memberikan perhatian lebih pada peningkatan kualitas sumber daya manusia (SDM) dan Tata Kelola dalam rangka meningkatkan rentabilitas bank secara berkelanjutan. Apresiasi bank kepada SDM didasari pandangan bahwa karyawan merupakan aset paling berharga Bank. Oleh karena itu, berbagai program pelatihan diterapkan untuk peningkatan pengetahuan dan kemampuan sehingga pada akhirnya akan berkontribusi positif pada kinerja bank secara keseluruhan.

Di samping peningkatan kualitas SDM, Bank juga memberikan perhatian lebih pada peningkatan kemampuan dari unit kerja manajemen risiko, audit internal, dan kepatuhan dalam rangka meningkatkan kualitas pengendalian internal. Dengan kualitas tata kelola perusahaan yang lebih baik, maka Bank akan lebih mampu mengelola bisnis dan aset secara lebih hati-hati (prudent) dan memastikan ketaatan terhadap regulasi dari otoritas terkait.

PEruBAhAn KOMPOSiSi dEwAn KOMiSAriS

Berdasarkan Rapat Umum Pemegang Saham (RUPS) Tahunan 2018 yang diselenggarakan pada 31 Mei 2018, MNC Bank melakukan perubahan atas komposisi anggota Dewan Komisaris. RUPS Tahunan 2018 menyetujui untuk mengangkat Ponky Nayarana Pudijanto sebagai Presiden Komisaris Independen, Peter Fajar sebagai Komisaris dan Jeny Gono sebagai Komisaris Independen Bank dengan masa jabatan sampai dengan RUPS Tahunan Bank pada tahun 2021.

Susunan dewan Komisaris per 31 desember 2018 adalah sebagai berikut :

Presiden Komisaris IndependenPonky Nayarana Pudijanto

KomisarisPeter Fajar

Komisaris IndependenJeny Gono

Independent President Commissioner Ponky Nayarana Pudijanto

CommissionerPeter Fajar

Independent CommissionerJeny Gono

Views on QUAlity imProVement of hr AnD GooD corPorAte GoVernAnceMNC Bank gives more attention to improving the quality of human resources (HR) and Corporate Governance in order to increase Bank profitability on an ongoing basis. The Bank’s appreciation to HR is based on the view that employees are the Bank’s most valuable assets. Therefore, various training programs are implemented to increase knowledge and capabilities so that they will ultimately contribute positively to the overall performance of the Bank.

In addition to improve the quality of human resources, the Bank also pay more attention to improve the capabilities of risk management work units, internal audit, and compliance in order to improve the quality of internal controls. Through the quality of better corporate governance, the Bank will manage the business and assets more prudently and more competent thus ensuring the compliance with regulations from the related authorities.

chAnGes in comPosition of BoArD of commissionersBased on the 2018 Annual General Meeting of Shareholders (GMS) held on May 31, 2018, MNC Bank made changes to the composition of the Board of Commissioners members. The 2018 Annual GMS agreed to appoint Ponky Nayarana Pudijanto as Independent President Commissioner, Peter Fajar as Commissioner and Jeny Gono as Bank Independent Commissioner with a term of office up to the Bank’s Annual GMS in 2021.

the composition of the Board of commissioners as of December 31, 2018 is as follows:


Jakarta, April 2019Atas nama Dewan Komisaris

On behalf of the Board of Commissioners

Ponky N. PudijantoPresiden Komisaris Independen

Independent President Commissioner

APrESiASiKami mewakili Dewan Komisaris mengucapkan terima kasih kepada nasabah, pemegang saham dan seluruh pemangku kepentingan atas kepercayaan dan dukungan yang diberikan kepada MNC Bank. Kami juga menyampaikan terima kasih dan apresiasi kepada jajaran Direksi, manajemen dan seluruh karyawan atas kinerja dan usahanya untuk memberikan yang terbaik bagi MNC Bank sehingga mampu menghasilkan kinerja yang positif serta menjawab kepercayaan yang telah diberikan kepada Bank. Tidak lupa kami mengucapkan apresiasi kepada Otoritas Jasa Keuangan atas pengawasan dan bimbingan yang telah diberikan kepada MNC Bank.

Dewan Komisaris menyadari bahwa perbankan adalah bisnis yang mengedepankan kepercayaan. Oleh karenanya, kami berkomitmen untuk terus mendukung setiap langkah Direksi dalam melakukan berbagai perbaikan dan penyesuaian dengan berorientasi pada peningkatan rentabilitas serta kepuasan nasabah, pemegang saham, serta seluruh pemangku kepentingan lainnya.

Besar harapan kami agar sinergi yang telah terjalin, dapat terus terjaga untuk meraih rentabilitas yang lebih tinggi serta menjawab ekspektasi nasabah sebagai Bank masa depan yang memberikan pelayanan prima.

APPreciAtionOn behalf of the Board of Commissioners, we would like to thank customers, shareholders and all stakeholders for the trust and support given to MNC Bank. We also express our gratitude and appreciation to the Board of Directors, management and all employees for their performance and efforts to provide the best for MNC Bank so as to generate positive performance and respond to the trust given to the Bank. We would like to express our utmost appreciation to the Financial Services Authority for the supervision and guidance given to the MNC Bank.

The Board of Commissioners realizes that banking is a business that promotes trust. Therefore, we are committed to continually support every step of the Board of Directors in making various improvements and adjustments with an orientation to increasing profitability and satisfaction of customers, shareholders, and all other stakeholders.

Our hope is that the synergy that has been established can be maintained to achieve higher profitability and respond to customer expectation as a future bank that provides excellent service.

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KomisarisCommissioner

Presiden Komisaris IndependenIndependent President Commissioner

Komisaris IndependenIndependent Commissioner

PETER FAJAR PONKY N. PUDIJANTO JENY GONO




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laporan Dewan dIrekSIBoard of Directors Report

Memasuki fase kedua transformasi yaitu Focusing Business, kami menjalankan

kebijakan dan strategi yang berorientasi pada peningkatan nilai perusahaan untuk

pemegang saham (shareholder value) melalui kinerja keuangan maupun non

keuangan. Fokus MNC Bank dituangkan dalam bentuk konsolidasi dan perbaikan-

perbaikan internal dengan memperkuat jaringan distribusi, pengembangan

digitalisasi layanan serta penyempurnaan penerapan Good Corporate Governance.

Entering the second phase of transformation, namely

Focusing Business, we have exercised policies and strategies that are

oriented towards increasing shareholders value by means of financial and non-financial

performances. MNC Bank’s focus is expressed in the

form of consolidation and internal improvements

by strengthening the distribution network,

developing service digitalization and improving the implementation of Good

Corporate Governance.

‘‘

MAHDANPresiden Direktur*/Direktur Kepatuhan

President Director*/Compliance Director

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Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan

Manajemen

Operational Highlights Management Report Company Profile Management Discussion & Analysis





Operational Review Good Corporate Governance Corporate Social Responsibility


Pemegang Saham dan Pemangku Kepentingan yang Kami Hormati,

Tahun 2018 merupakan masa awal dari tahap kedua dalam program transformasi MNC Bank yaitu Focusing Business. Berkat konsistensi dalam melakukan konsolidasi serta fokus kepada pemulihan kinerja, MNC Bank kembali meraih hasil positif dengan laba yang meningkat signifikan dibandingkan periode sebelumnya. Hal ini menambah keyakinan kami untuk tidak hanya mempertahankan momentum, tetapi juga meningkatkan kinerja dan memberikan nilai lebih baik bagi pemegang saham maupun segenap pemangku kepentingan.

Implementasi program transformasi berada di jalur yang tepat sehingga rentabilitas MNC Bank semakin baik dan sustainable. Hal tersebut terindikasi dari meningkatnya komposisi dana murah dibandingkan dengan dana mahal (deposito) serta berkurangnya beban bunga, yang pada akhirnya berkontribusi pada peningkatan net interest margin.

KOndiSi PErEKOnOMiAn dAn induSTriPertumbuhan ekonomi global dinilai mengalami perlambatan pada akhir tahun 2018. Perlambatan tersebut tidak terlepas dari berbagai faktor diantaranya melemahnya perdagangan dan manufaktur dunia, masih tingginya ketegangan perdagangan, dan tekanan pasar keuangan di beberapa negara.

Amerika Serikat (AS) yang tengah dalam negosiasi dagang akibat konflik perdagangan dengan Tiongkok, mengalami perlambatan laju pertumbuhan ekonomi menjadi 2,2%. Angka tersebut merupakan revisi ketiga dari rilis pertama Biro Analisis Ekonomi AS yang sebesar 2,9%. Hasil pertumbuhan ekonomi yang dibawah ekspetasi tersebut mengakibatkan the Fed memotong ekspetasi pertumbuhan ekonomi AS di 2019. Disisi lain, perlambatan ekonomi dan tingkat inflasi yang cenderung dapat diprediksi membuat the Fed mempertahankan suku bunga Federal Fund Rate di antara 2,25% hingga 2,5% sepanjang 2019.

Perlambatan pertumbuhan ekonomi juga dialami oleh Tiongkok. Pertumbuhan ekonomi Tiongkok pada 2018 tercatat sebesar 6,6%, yang merupakan laju terendah sejak 1990. Perlambatan tersebut tidak terlepas dari menegangnya perdagangan antara AS dan Tiongkok.

Dear Distinguished Shareholders and Stakeholders,

The year 2018 marked the beginning of phase two of MNC’s Bank transformations, which is focusing on business. Through our consistency in consolidating and focusing on performance recovery, MNC Bank again achieved positive result with significantly increase profits compared to the previous period. This positive result has increased our confidence to not only maintain our momentum, but also improve our performance and provide better value for shareholders and all stakeholders.

The implementation of the transformation program is on the right track. Therefore, the profitability of MNC Bank is better and also more sustainable. This was indicated by the increasing composition of low-cost funds compared to expensive funds (deposits) and reduced interest expenses, which ultimately contributed to the increase in the net interest margin.

economic AnD inDUstriAl conDitionsGlobal economic growth is observed to experiencing a slowdown at the end of 2018. This condition is inseparable from various factors including the weakening of world trade and manufacturing, high trade tensions, and financial market pressures in several countries.

The United States (US), which was in trade negotiation due to trade conflicts with China, experienced a slowdown in economic growth to 2.2%. This number is the third revision from the first release of the US Bureau of Economic Analysis by 2.9%. The results of economic growth that are below expectations have caused the Fed to cut expectations of US economic growth in 2019. On the other hand, the economic slowdown and inflation rate that tends to be predicted make the Fed maintain Federal Fund Rate rates between 2.25% to 2.5% throughout 2019.

China also met the downturn in economic growth. China’s economic growth in 2018 was recorded at 6.6%, the lowest rate since 1990. It was inseparable from the tense trade between the US and China. The growth realization occurred amid the efforts of the Chinese government to deal with the

* Diangkat sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan efektif setelah lulus penilaian kemampuan dan kepatutan OJK. Sampai dinyatakan efektif sebagai Presiden Direktur, yang bersangkutan masih menjabat sebagai Direktur

Kepatuhan.* Appointed as President Director based on EGMS dated March 8, 2019 and effectively serving after passing Financial Service Authority (OJK) fit and proper test. As of being declared effectively serving as President Director, the concerned one has still officiated as.Compliance Director.


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Realisasi pertumbuhan ini terjadi di tengah usaha pemerintah Tiongkok untuk menangani perlambatan laju pertumbuhan ekonomi melalui berbagai kebijakan finansial. Diharapkan pemerintah Tiongkok akan mengeluarkan berbagai kebijakan sepanjang 2019 untuk menstimulasi laju pertumbuhan ekonominya kembali.

Perlambatan ekonomi global pada 2018 berdampak pada transaksi ekspor Indonesia yang merupakan sumber pertumbuhan ekonomi nasional. Nilai ekspor Indonesia per Desember 2018 mencapai US$14,18 miliar atau menurun 4,89% dibandingkan November 2018 atau menurun 4,62% dibandingkan Desember 2017. Kondisi tersebut membuat Indonesia mengalami defisit neraca perdagangan sebesar USD 1,10 miliar pada Desember 2018. Dengan demikian sepanjang 2018, neraca perdagangan Indonesia defisit sebesar USD 8,57 miliar. Sementara itu, menurut Badan Pusat Statistik (BPS), inflasi Indonesia per Desember 2018 tercatat 0,62%, dengan keseluruhan inflasi 2018 sebesar 3,13%. Meskipun jumlah inflasi tersebut di atas ekspektasi pasar, namun secara keseluruhan momentum pertumbuhan ekonomi Indonesia tetap terjaga.

Momentum pertumbuhan ekonomi Indonesia terus terjaga sebagaimana tercermin pada pertumbuhan ekonomi Indonesia sepanjang 2018 yang tetap kuat. Sepanjang 2018 ekonomi Indonesia tercatat 5,17% (yoy), meningkat dari 5,07% pada tahun sebelumnya dan merupakan pencapaian tertinggi dalam lima tahun terakhir. Terjaganya momentum tersebut tidak terlepas dari kebijakan moneter serta upaya Pemerintah Republik Indonesia dalam mendorong permintaan domestik.

Stabilnya sistem keuangan dan ekonomi Indonesia juga ditunjang oleh industri perbankan yang memiliki struktur permodalan kuat, likuiditas memadai, dan risiko kredit yang terkendali. Hal tersebut ditunjukkan dari kinerja Bank Umum Konvensional dimana Capital Adequacy Ratio (CAR) perbankan berada di level 22,97%, likuiditas yang memadai dengan LDR sebesar 94,78% serta risiko yang masih terkendali dan dapat ditekan dengan penurunan angka Non-perfoming loan (NPL) gross 2,74% dan NPL nett 1,11%.

LAngKAh STrATEgiS MnC BAnK di TAhun 2018Memasuki fase kedua proses transformasi yaitu focusing business, kebijakan dan strategi MNC Bank berorientasi pada peningkatan nilai perusahaan untuk pemegang saham (sharehoder value) melalui kinerja keuangan maupun non keuangan. Fokus MNC Bank dituangkan ke dalam bentuk konsolidasi dan perbaikan proses-proses internal. Sepanjang tahun 2018, berbagai langkah strategis telah dijalankan dengan memperkuat jaringan distribusi, pengembangan digitalisasi layanan, memperkuat sinergi dengan berbagai unit bisnis MNC Group untuk memberikan nilai lebih bagi nasabah dan Bank, pengembangan sistem teknologi guna menunjang bisnis dan senantiasa

slowing pace of economic growth through various financial policies. Chinese government is expected to issue various policies throughout 2019 for further stimulating the pace of economic growth.

The global economic slowdown in 2018 gave an impact on Indonesia’s export transactions as a source of national economic growth. Indonesia’s export value as of December 2018 reached US $ 14.18 billion or decreased by 4.89% compared to November 2018 or decreased by 4.62% compared to December 2017. This condition made Indonesia underwent a trade balance deficit of USD 1.10 billion in December 2018. Therefore throughout 2018, Indonesia’s trade balance was a deficit of USD 8.57 billion. Meanwhile, according to the Central Statistics Agency (BPS), Indonesia’s inflation as of December 2018 was recorded at 0.62%, with overall inflation in 2018 at 3.13%. Although the amount of inflation was exceeding the market expectation, the overall momentum of Indonesia’s economic growth kept maintained.

The momentum of Indonesia’s economic growth continually maintained as reflected in Indonesia’s economic growth throughout 2018 that remained strong. Throughout 2018, the Indonesian economy recorded by 5.17% (yoy), increasing from 5.07% from the previous year. It was the highest achievement in the last five years. The momentum was kept up due to the monetary policy and the efforts of the Republic of Indonesia Government in pushing the domestic demand.

The stability of Indonesian financial and economic system is also supported by the banking industry that has a strong capital structure, adequate liquidity and controlled credit risk. This is indicated by the performance of Conventional Commercial Banks as banking Capital Adequacy Ratio (CAR) is at 22.97%, adequate liquidity with LDR of 94.78% and risks are still under control and can be reduced by a decrease in numbers of gross non-perfoming loan (NPL) by 2.74% and NPL nett by 1.11%.

mnc BAnk strAteGic stePs in 2018Entering the second phase of the transformation process, which is focusing business, MNC Bank’s policies and strategies were focusing on increasing shareholder value through financial and non-financial performance. The focus of MNC Bank is poured into the form of consolidation and improvement of internal processes. Throughout 2018, various strategic steps have been carried out by strengthening office networks through relocation, restructuring and digitalization of services, strengthen synergy with various MNC Group business units to provide more value to customers and the Bank, development of technology systems to support business and always continue to improve the implementation




melanjutkan penyempurnaan penerapan good corporate governance. Fokus tersebut diimplementasikan dengan tujuan untuk menjadikan Bank lebih profitable. Dilihat dari tren peningkatan laba operasional bank sepanjang 2018, proses transformasi yang dijalankan dapat dikatakan berada pada jalur yang sesuai.

Tidak bisa dipungkiri bahwa teknologi sudah berkembang dan merambah ke setiap sektor industri termasuk industri perbankan. MNC Bank siap menghadapi kemajuan teknologi dengan terus mengembangkan infrastruktur pendukung bisnis berbasis teknologi digital serta melakukan pengembangan terhadap platform-platform digital yang telah dimiliki antara lain mobile banking, internet banking dan aplikasi punyakartu agar dapat memenuhi kebutuhan pasar yang terus berubah.

Dalam hal konsolidasi jaringan kantor cabang, penataan dan pengembangan jaringan kantor (branch network) dilakukan sebagai kelanjutan dari evaluasi menyeluruh terhadap potensi cabang yang meliputi lokasi, SDM, infrastruktur dan kinerja cabang. Penataan dan pengembangan jaringan kantor dilakukan dengan melakukan relokasi serta peningkatan status cabang agar lebih produktif. Selain itu MNC Bank juga memanfaatkan teknologi digital guna menkonversi layanan kantor cabang ke jaringan elektronik melalui peningkatan mobile banking untuk nasabah individu dan internet banking untuk nasabah korporasi. Selain itu Bank juga meningkatkan kemampuan layanan beberapa aplikasi mobile yang telah diterbitkan pada tahun 2017, antara lain aplikasi punyakrtu, aplikasi mobile kartu kredit yang ditujukan untuk para pengguna kartu kredit Bank dimana nasabah akan mendapatkan informasi transaksi, tagihan dan penawaran spesial. Selaras dengan agenda transformasi di bidang bisnis, kami juga terus meningkatkan kompetensi SDM dan kualitas manajemen risiko sebagai bagian dari tata kelola perusahaan yang baik. Evaluasi secara komprehensif terkait SDM dilakukan secara berkesinambungan agar lebih fokus mendukung sasaran bisnis Bank.

KinErjA TAhun 2018Implementasi strategi MNC Bank tercermin dalam pencapaian kinerja sepanjang tahun 2018. Seperti telah dijelaskan sebelumnya, kami memfokuskan diri untuk meningkatkan laba dan produktivitas Bank. Hasilnya dapat dilihat dari meningkatnya kinerja keuangan secara signifikan dimana pada akhir tahun 2018 telah membukukan laba bersih sebesar Rp 57,02 miliar. Kinerja positif dapat dilihat juga pada beberapa parameter lain seperti Peningkatan Net Interest Margin (NIM) pada Desember 2018 sebesar 4,10% dibanding Desember 2017 sebesar 3,04%. Selain itu Bank juga berhasil melakukan efisiensi operasional tercermin dari Beban Operasional terhadap Pendapatan Operasional Desember 2018 sebesar 93,51% turun signifikan dibandingkan Desember 2017 yang sebesar 180,62%.

of good corporate governance. The focus is implemented with the aim of making the Bank more profitable. Because the bank operating’s profit throughout 2018 was increasing, it can be said that the transformation was on the right track.

It cannot be denied that technology has developed and spread to every industrial sector including the banking industry. MNC Bank is ready to face technological advancements by continuing to develop supporting infrastructure for digital technology-based businesses and developing digital platforms including mobile banking, internet banking and “punyakartu” application to meet the needs of changing market.

In branch office network consolidation, structure and office network development (branch network) are carried out as a continuation of a comprehensive evaluation for potential branches that cover location, HR, infrastructure and branch performance. Arrangement and development of office networks were carried out by relocating and improving branch status to be more productive. In addition, MNC Bank also utilizes digital technology to convert branch office services to electronic networks by increasing the use of mobile banking for individual customers and internet banking for corporate customers. Other than that, the Bank will improve the service capabilities of several mobile applications that was published in 2017, namely punyakartu, a credit card mobile application intended for credit card users where customers will get information, transaction, bills and special offers.

In line with the transformation agenda in the business field, we also continue to improve HR competencies and improving the quality of risk management as part of good corporate governance. Comprehensive evaluation of HR is carried out continuously so that it is more focused on supporting the Bank’s business objectives.

oUr PerformAnce in 2018The implementation of the MNC Bank strategy is reflected in the achievement of performance throughout 2018. As explained earlier, we focus on increasing profits and increasing organizational productivity. The results can be seen from the significant increase in financial performance, which at the end of 2018 posted a net profit of Rp 57.02 billion. Positive performance can also be seen in several other indicators such as net interest margin in December 2018 at 4.10%, an increase from December 2017 which was 3.04%. In addition, the Bank also succeeded i

· Tahun 2018 merupakan awal dari tahap kedua program transformasi MNC Bank yaitu Focusing...

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Transcript of · Tahun 2018 merupakan awal dari tahap kedua program transformasi MNC Bank yaitu Focusing...