HSBC Indonesia Laporan Tahunan 2014 .HSBC INDONESIA 2 Perusahaan dan Layanan Grup HSBC HSBC adalah

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Transcript of HSBC Indonesia Laporan Tahunan 2014 .HSBC INDONESIA 2 Perusahaan dan Layanan Grup HSBC HSBC adalah

HSBC IndonesiaThe Hongkong and Shanghai Banking Corporation LimitedJl. Jenderal Sudirman Kav. 29-31Jakarta 12920IndonesiaTelephone: +62 21 524 6222www.hsbc.co.id

Laporan Tahunan 2014/Annual Report 2014

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I. Informasi Umum / General Information 2

II. Ikhtisar Keuangan / Financial Review 6

III. Kebijakan Manajemen / Management Policy 10

IV. Kegiatan Utama / Core Business 17

V. Pelaksanaan Manajemen Risiko / Risk Management Implementation 25

VI. Informasi Lainnya / Other Information 48

Lampiran-lampiran / Appendixes

- Lampiran 1: Jaringan Kantor Internasional HSBC / Appendix 1: HSBC International Network 56 - Lampiran 2: Kantor-kantor HSBC di Indonesia / Appendix 2: HSBC Offices in Indonesia 61 - Lampiran 3: Struktur Organisasi HSBC Indonesia / Appendix 3: Organisation Chart of HSBC

Indonesia 62

- Lampiran 4: Struktur Anak Usaha HSBC Holdings Plc dan HSBC Indonesia. / Appendix 4: Structure Chart of HSBC Holdings Plc. and HSBC Indonesia 63

- Lampiran 5: Pengungkapan Spot dan Derivatif, Aset Produktif, Cadangan Kerugian Penurunan Nilai (CKPN) dan Rasio Keuangan / Appendix 5: Disclosure of Spot and Derivatives, Productive Assets, Impairments and Financial Ratios

64

- Lampiran 6: Pengungkapan Modal, Eksposur Risiko dan Penerapan Manajemen Risiko / Appendix 6: Disclosure of Capital, Risk Exposure and Risk Management Implementation 72

- Lampiran 7: Laporan Keuangan Gabungan Tahun Berakhir 31 Desember 2014 dan 2013 / Appendix 7: Combined Financial Statements for the years ended 31 December 2014 and 2013 112

Laporan Tahunan 2014 / Annual Report 2014

Daftar Isi / Contents

H S B C I N D O N E S I A

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Perusahaan dan Layanan Grup HSBC

HSBC adalah salah satu organisasi perbankan dan layanan keuangan internasional terbesar di dunia, dengan kantor-kantor cabangnya di pasar yang mapan dan berkembang pesat. Kami bertujuan untuk senantiasa hadir di tempat dimana kondisi perekonomiannya sedang tumbuh, menjembatani para nasabah ke berbagai peluang usaha, membantu perusahaan untuk berkembang dan membantu tingkat ekonominya agar semakin sejahtera dan pada akhirnya membantu masyarakat untuk memenuhi harapan dan mewujudkan ambisinya.

Kami melayani sekitar 51 juta nasabah melalui empat bisnis global kami: Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking. Jaringan kami mencakup 73 negara dan wilayah di lima kawasan geografis: Eropa, Asia, Timur Tengah dan Afrika Utara, Amerika Utara dan Amerika Latin.

Terdaftar di bursa efek London, Hong Kong, New York, Paris dan Bermuda, saham HSBC Holdings plc dimiliki oleh sekitar 216.000 pemegang saham di 127 negara dan wilayah.

Sejarah HSBC di Indonesia

Sebagai pelopor perbankan modern terutama di negara-negara Asia, HSBC (The Hongkong and Shanghai Banking Corporation Limited) memiliki sejarah yang panjang di Indonesia. HSBC membuka kantor Indonesia pertamanya di Jakarta (yang dikenal sebagai Batavia) pada tahun 1884.

Pada awalnya, layanan perbankan hanya menyokong perdagangan gula yang merupakan perdagangan yang sangat penting pada saat itu dan kemudian operasinya diperluas ke Surabaya pada tahun 1896.

Selama masa-masa yang penuh tantangan di pasar Indonesia dimana HSBC dipaksa untuk menutup kegiatannya selama Perang Dunia Kedua, dan pertengahan tahun 1960-an, ketahanan HSBC benar-benar diuji. Setelah berusaha membuka kembali kegiatan usahanya di Indonesia setelah Perang Dunia Kedua dan begitu pula setelah penutupan usahanya pada pertengahan tahun 1960-an, HSBC mendapat ijin perbankan baru pada tahun 1968 dimana HSBC menjadi semakin kokoh sejak saat itu dan mempertahankan posisinya sebagai salah satu bank asing terbesar yang beroperasi di Indonesia.

HSBC Group Companies and Services

HSBC is one of the worlds largest banking and financial services organisations, with offices in both established and developing markets. We aim to be where the economic growth is, connecting customers to opportunities, enabling businesses to thrive and economies to prosper, and ultimately helping people fulfil their hopes and realise their ambitions.

We serve around 51 million customers through our four global businesses: Retail Banking and Wealth Management, Commercial Banking, Global Banking and Markets, and Global Private Banking. Our network spans 73 countries and territories in five geographical regions: Europe, Asia, the Middle East and North Africa, North America, and Latin America.

Listed on the London, Hong Kong, New York, Paris and Bermuda stock exchanges, shares in HSBC Holdings plc are held by about 216,000 shareholders in 127 countries and territories.

HSBCs History in Indonesia

As the pioneer of modern banking in most Asian Countries, HSBC (The Hongkong and Shanghai Banking Corporation Limited) has had a long history in Indonesia. HSBC opened its first Indonesian branch in Jakarta (then known as Batavia) in 1884.

The company was initially started to support the booming sugar industry before expanding its operation to Surabaya in 1896.

Over the years there were challenging times in the Indonesian market where HSBC was forced to close operations, such as during World War II and in the mid-1960s. Having managed to resume operations in Indonesia after the end of World War II and similarly after its temporary closure in the mid-1960s, HSBC was granted a new banking licence in 1968 wherein the Bank has remained strong ever since and retained its position as one of the largest foreign banks in Indonesia.

I. Informasi Umum / General Information

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HSBC saat ini melayani nasabahnya melalui 60 kantor di 6 kota besar di Indonesia. Dengan dukungan lebih dari 3.423 karyawan, saat ini HSBC telah berkembang menjadi bank internasional terdepan di Indonesia yang menawarkan layanan perbankan untuk Retail Banking and Wealth Management, Commercial Banking, dan Global Banking and Markets. Komitmen HSBC terhadap komunitas di Indonesia tercermin dari berbagai kegiatan sosial yang berkesinambungan.

Susunan Kepengurusan HSBC Indonesia

Sumit DuttaCountry Manager and Chief Executive

Menjabat sebagai Country Manager and Chief Executive, HSBC Indonesia sejak Desember 2014. Jabatan sebelumnya meliputi: Chief Executive Officer, HSBC Vietnam; Executive Director, Techcombank Vietnam; Senior Vice President, Head of Consumer and Sales Management, HSBC Bank USA; Head of Product Management, HSBC Bank USA; Head of Global e-Business and Direct Sales, HSBC Group; Senior Distribution Manager, HSBC Asia Pacific, Hong Kong.

Ildefonso Netto Head of Risk

Menjabat sebagai Head of Risk, HSBC Indonesia sejak Agustus 2014. Jabatan sebelumnya meliputi: Chief Risk Officer, HSBC Brazil; Head of Wholesale Credit, HSBC Asia Pacific, Hong Kong; Head of Corporate Credit, HSBC Brazil; Head of Corporate Banking South Brazil, HSBC Brazil.

Dalam penunjukan Head of Retail Banking & Wealth Management

Quang Buu HuynhHead of Corporate Banking

Menjabat sebagai Head of Corporate Banking, HSBC Indonesia sejak April 2014. Jabatan sebelumnya meliputi: Regional Head of Global Trade and Receivables Finance (GTRF), HSBC Singapura; Senior Vice President and Head of Commercial Banking, HSBC Bank (Vietnam) Ltd; Credit Risk Management Manager, HSBC Asia Pacific; Business Development Manager, HSBC Vietnam; Head of Payments & Cash Management, HSBC Vietnam; Personal Financial Services Manager, HSBC Vietnam.

HSBC serves its customers through 60 offices in 6 major cities across Indonesia. Supported by more than 3,423 employees, today HSBC has grown into Indonesias leading international bank, offering services in Retail Banking and Wealth Management, Commercial Banking, and Global Banking and Markets. HSBCs commitment in local community investment is reflected through the variety of corporate sustainability activities it is involved in.

Management of HSBC Indonesia

Sumit DuttaCountry Manager and Chief Executive

Appointed Country Manager and Chief Executive, HSBC Indonesia in December 2014. Former appointments include: Chief Executive Officer, HSBC Vietnam; Executive Director, Techcombank Vietnam; Senior Vice President, Head of Consumer and Sales Management, HSBC Bank USA; Head of Product Management, HSBC Bank USA; Head of Global e-Business and Direct Sales, HSBC Group; Senior Distribution Manager, HSBC Asia Pacific, Hong Kong.

Ildefonso NettoHead of Risk

Appointed Head of Risk, HSBC Indonesia in August 2014. Former appointments include: Chief Risk Officer, HSBC Brazil; Head of Wholesale Credit, HSBC Asia Pacific, Hong Kong; Head of Corporate Credit, HSBC Brazil; Head of Corporate Banking South Brazil, HSBC Brazil.

To be appointed Head of Retail Banking & Wealth Management

Quang Buu HuynhHead of Corporate Banking

Appointed Head of Corporate Banking, HSBC Indonesia in April 2014. Former appointments include: Regional Head of Global Trade and Receivables Finance (GTRF), HSBC Singapore; Senior Vice President and Head of Commercial Banking, HSBC Bank (Vietnam) Ltd; Credit Risk Management Manager, HSBC Asia Pacific; Business Development Manager, HSBC Vietnam; Head of Payments & Cash Management, HSBC Vietnam; Personal Financial Services Manager, HSBC Vietnam.

H S B C I N D O N E S I A

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Daniel G HankinsonHead of Finance

Menjabat Head of Finance, HSBC Indonesia sejak April 2012. Jabatan sebelumnya meliputi: Acting Chief Financial Offic