Developing Through Transformation - Bank Sinarmas Report 2014 | T. B SS Tk. 1 ... Pemegang Saham dan...

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)


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.


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


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


Tinjauan Unit-Unit BisnisOverview of Business Units

Tata Kelola PerusahaanGood Corporate Governance

Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility

Laporan Keuangan KonsolidasiConsolidated Financial Statement


KilasKinerja2014Flashback Performance of 2014

01






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






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






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






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






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






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






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






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






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






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






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






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






Laporan ManajemenManagement Report

02






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,






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






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






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,






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.






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.






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.






TjendrawatiWidjajaKomisaris Utama

President Commissioner

SammyKristamuljanaKomisaris Independen

Independent Commissioner

RusminKomisaris Independen

Independent Commissioner






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,






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.






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.






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






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.






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

Developing Through Transformation - Bank Sinarmas Report 2014 | T. B SS Tk. 1 ... Pemegang Saham dan...

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