Strengthening Capacities and Capabilities · bisnis yang berfokus pada sektor ritel dan konsumen...
Transcript of Strengthening Capacities and Capabilities · bisnis yang berfokus pada sektor ritel dan konsumen...
LAPORAN TAHUNANANNUAL REPORT 2016
Strengthening Capacities and
CapabilitiesPT MNC Kapital Indonesia Tbk
2Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Manajemen PT MNC Kapital Indonesia Tbk (Perseroan) telah menetapkan strategi percepatan pengembangan bisnis melalui peningkatan kinerja Entitas Anak di tahun 2016. Peningkatan kinerja MNC Bank dilakukan melalui penerapan strategi bisnis yang berfokus pada sektor ritel dan konsumen melalui implementasi electronic banking dan produk-produk kredit konsumen. MNC Finance menetapkan strategi yang fokus pada pembiayaan dan lease back mobil bekas dan KPR dengan memperluas jaringan showroomdealer mobil dan property agent di wilayah-wilayah cabang setempat. Terkait dengan segmen usaha leasing, Perseroan telah mengembangkan MNC Leasing dengan fokus pada pembiayaan alat berat, mesin, peralatan kesehatan, dan factoring dengan sumber pembiayaan joint financing/executing dari MNC Bank dan bank-bank lain, serta memperkuat jaringan cabang yang sudah ada di 14 kota.
Penguatan MNC Securities dilakukan dengan penguatan unit bisnis seperti unit fixed income dan investment banking, pengembangan sistem online trading end-to-end (MNC Trade), dan perluasan jaringan dengan menambah cabang-cabang baru untuk unit equity guna meningkatkan market share di industri. MNC Asset Management melakukan penguatan bisnis dengan memperluas jaringan distribusi (bancassurance), launching reksadana online dan mengembangkan produk konvensional reksa dana. Peningkatan bisnis asuransi dilakukan dengan penguatan MNC Insurance dan MNC Life. MNC Insurance melakukan pengembangan produk yang lebih variatif dan tingkat premi yang lebih kompetitif melalui kanal distribusi agency, online systems, B2B dengan perusahaan dot com, dan pengembangan aplikasi mobile, juga meningkatkan kualitas Service Level Agreement (SLA) dalam proses klaim, peningkatan kualitas agen dan bengkel rekanan. Sedangkan MNC Life melakukan pengembangan produk individu antara lain produk kesehatan, unit-linked, dan produk sederhana yang dijual melalui kanal distribusi agency, bancassurance, online systems, dan bekerjasama dengan multilevel marketing (MLM).
Beberapa strategi kunci yang telah dilakukan Perseroan selama tahun 2016 adalah memperkuat struktur permodalan untuk menjadi the most integrated financial services in Indonesia, melanjutkan sinergi antar Entitas Anak antara lain melalui cross-selling product, sharing database management, system development, business process improvement, incentive program untuk kegiatan pemasaran bersama, melanjutkan rencana digitalisasi seluruh unit usaha financial services, serta integrasi dan standarisasi kantor-kantor Entitas Anak di beberapa kota besar.
The Management of PT MNC Kapital Indonesia Tbk (the Company) has set out a strategy to accelerate the development of business through improved performance of subsidiaries in 2016. MNC Banks performance improvement followed the business strategies that focused on the retail and consumer sectors through the implementation of electronic banking and consumer credit products. MNC Finance has established a strategy that focuses on financing and lease back of used cars and mortgages through expanding its network of showrooms, car dealers and property agents in areas surrounding the local branches. For the leasing business segment, the Company has established MNC Leasing to focus on the financing of heavy equipment, machinery, medical equipment, and factoring through joint financing/executing with MNC Bank and other banks, as well as increasing the network of the existing branches in 14 cities.
MNC Securities has strengthened its business units to handle unit fixed income and investment banking, enhanced its online trading system and developed the end-to-end (MNC Trade) system, and expanded its network by adding new branches with equity units to increase its market share in the industry. MNC Asset Management has strengthened its business by expanding the distribution network (bancassurance), launched dana online mutual fund and developed its conventional mutual funds. The insurance business enhancement has been conducted in MNC Insurance and MNC Life. MNC Insurance has developed more varied products with more competitive premium rates through its agency distribution channels, online systems, B2B with dot com companies, and mobile application development, and also improved its SLA especially in the claims process, and improved the quality of its agents and workshop partners. While MNC Life has developed products for individual such as, health products, unit-linked and simple products that are sold through the agency distribution channels, bancassurance, online systems and through multilevel marketing (MLM).
Other key strategies followed by the Company during 2016 included strengthening the capital structure to help the Company become the most integrated financial services in Indonesia, with continued synergy among its subsidiaries including cross-selling products, sharing database management, system development, business process improvement, offering incentive programs for joint marketing activities, and continuing the plan to go digital for all the financial services business units, as well as integrating and standardizing the offices of its subsidiaries in several major cities.
Strengthening Capacities and Capabilities
KESINAMBUNGAN TEMATHEME CONTINUITY
Laporan Tahunan | Annual Report 20163
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
2015Business Transformation For Service ExcellenceBisnis Perseroan yang bergerak di bidang jasa keuangan menempatkan konsumen sebagai salah satu pilar penting, bersama dengan layanan yang prima. Karena itulah, selain memberikan layanan jasa keuangan yang terintegrasi, Perseroan juga melakukan transformasi bisnis yang berbasiskan teknologi informasi dan digital. Transformasi ini sejalan dengan tuntutan era teknologi saat ini untuk semakin menunjang kebutuhan konsumen atas layanan jasa keuangan yang serba cepat, mudah, dan efisien.
Selain itu, transformasi berbasis digital ini juga terus dikembangkan oleh Perseroan sejalan dengan upaya memantapkan posisi Perseroan sebagai The Most Integrated Financial Services in Indonesia. Akhirnya, beragam inovasi, investasi, dan sinergi yang dilakukan Perseroan bertujuan untuk memperkuat pilar penting dalam bisnis yang dijalani, yaitu memberikan layanan yang prima bagi konsumen.
The Companys main business is in the financial services sector, which focuses on providing excellent service to customers. This is why, in addition to providing integrated financial services, the Company has undertaken a business transformation based on digital information technology. This transformation is in line with the recent demand for technology in order to further support customer demand for quick, easy, and efficient financial services.
Moreover, this digital-based transformation is being pursued in line with the Companys efforts to solidify its position as The Most Integrated Financial Services in Indonesia. Eventually, the Companys numerous investments, innovations, and synergies are directed at supporting its most important business pillar, namely service excellence.
2014Integrated Financial SolutionsKehadiran MNC Bank dan MNC Leasing pada tahun 2014 dalam struktur grup usaha Perseroan, membuat fondasi bisnis usaha Perseroan sebagai perusahaan yang bergerak di bidang solusi jasa keuangan terintegrasi semakin kokoh. Kemampuan Perseroan dalam menyediakan jasa keuangan bagi konsumen pun semakin lengkap, dengan adanya MNC Securities, MNC Asset Management, MNC Finance, MNC Life, MNC Insurance, MNC Bank, dan MNC Leasing.
The presence of MNC Bank and MNC Leasing in the corporate structure of the Company in 2014 strengthened the business foundation of the Company as the provider of an integrated financial solution. The Companys ability to provide financial services for its customers become more complete, through the existence of MNC Securities, MNC Asset Management, MNC Finance, MNC Life, MNC Insurance, MNC Bank, and MNC Leasing.
2013Moving Towards a Financial SupermarketMenyikapi situasi internal maupun eksternal yang berpotensi mempengaruhi dan/atau mempunyai dampak terhadap kinerja, Perseroan senantiasa berpegang teguh pada visi untuk menjadi Supermarket Jasa Keuangan di Indonesia yang terpercaya dan terintegrasi. Dengan sikap yang konsisten tersebut, manajemen merumuskan dan mengimplementasikan strategi bisnis dengan koridor yang jelas untuk meraih visi Perseroan.
Tujuannya adalah menyediakan jasa keuangan yang berkualitas kepada para klien dan memberikan nilai tambah serta meningkatkan kesejahteraan bagi para pemegang saham, investor, mitra bisnis, karyawan, dan seluruh pemangku kepentingan lainnya. Untuk mencapai hal itu, strategi bisnis terintegrasi yang terbukti memberikan hasil positif bagi Perseroan akan terus dikembangkan.
In response to internal and external situations with the potential to impact performance, the Company adheres strongly to its vision to be the most reliable and integrated financial supermarket in Indonesia. With a consistent approach, management formulates then implements a clear business strategy to achieve the Company vision.
The goal is to provide quality financial services to clients and provide added value and increase prosperity for our shareholders, investors, business partners, employees and all other stakeholders. To achieve this, integrated business strategies that have proven to give positive results for the Company, will continue to be developed.
2012Strong Synergy for Continuous GrowthBerbagai aksi korporasi sepanjang tahun 2012, termasuk penguatan struktur permodalan, semakin mengukuhkan posisi Perseroan di industri jasa keuangan di Indonesia. Sementara itu, perubahan nama Perseroan dari PT Bhakti Capital Indonesia Tbk menjadi PT MNC Kapital Indonesia Tbk diyakini akan semakin memperkuat kepercayaan masyarakat luas terhadap Perseroan karena reputasi dan solidnya bisnis dari MNC Group. Perseroan memfokuskan perhatian pada pengembangan bisnis entitas anak dengan tujuan menjadikan Perseroan sebagai The Most Integrated Financial Supermarket di Indonesia. Melalui berbagai langkah strategis dan perkembangan bisnis entitas anak tersebut, Perseroan akan semakin siap untuk menghadapi berbagai tantangan yang akan datang, terutama yang berkaitan dengan bisnis jasa keuangan.
A series of corporate actions in 2012, including efforts to strengthen the Companys capital, has solidified the Companys position in the Indonesias financial service industry. The change in name from PT Bhakti Capital Indonesia Tbk to PT MNCs Kapital Indonesia Tbk is believed to have further strengthened the public trust in the Company due to the solid reputation and business of the MNC Group. The Company focused on business improvements of its subsidiaries which guides the Company to be the Most Integrated Financial Supermarket in Indonesia. Strategic actions and subsidiaries business improvements have prepared the solid fundamental for the Company to anticipate future challenges in the financial service business.
4Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
DAFTAR ISITABLE OF CONTENTS
KESINAMBUNGAN TEMATHEME CONTINUITY
2
DAFTAR ISITABLE OF CONTENTS
4
PENCAPAIAN PENTINGIMPORTANT ACHIEVEMENTS
8
JEJAK LANGKAHMILESTONE
10
KEUNGGULAN PERUSAHAANCOMPANY ADVANTAGES
12
IKHTISAR KINERJA 20162016 PERFORMANCE HIGHLIGHTS 1IKHTISAR KINERJAPERFORMANCE HIGHLIGHTS
16
IKHTISAR DATA KEUANGAN PENTINGFINANCIAL HIGHLIGHTS DATA
16
IKHTISAR KINERJA OPERASIONALOPERATIONAL PERFORMANCE HIGHLIGHT
20
INFORMASI HARGA SAHAMSHARE PRICE INFORMATION
20
INFORMASI OBLIGASIBOND INFORMATION
21
PERISTIWA PENTING PERSEROANSIGNIFICANT CORPORATE EVENTS
22
PERISTIWA PENTING ENTITAS ANAKSIGNIFICANT SUBSIDIARIES EVENTS
22
LAPORAN DEWAN KOMISARISBOARD OF COMMISSIONERS REPORT
26
LAPORAN DIREKSIBOARD OF DIRECTORS REPORT
40
PROFIL PERUSAHAANCOMPANY PROFILE 2IDENTITAS PERUSAHAANCORPORATE IDENTITY
60
RIWAYAT SINGKAT PERUSAHAANBRIEF HISTORY OF THE COMPANY
61
BRAND PERUSAHAANCORPORATE BRAND
62
BIDANG USAHALINE OF BUSINESS
63
PRODUK DAN JASAPRODUCTS AND SERVICES
64
PETA WILAYAH OPERASIONALOPERATIONAL AREA MAP
66
INOVASI OUTLET/ATM/PRODUKOUTLET/ATM/PRODUCTS INNOVATIONS
68
STRUKTUR ORGANISASIORGANIZATION STRUCTURE
69
VISI, MISI, DAN BUDAYA PERUSAHAANVISION, MISSION, AND CORPORATE CULTURE
70
REVIEW VISI DAN MISI OLEH DEWAN KOMISARIS DAN DIREKSIBOARD OF COMMISSIONERS AND BOARD OF DIRECTORS VISION AND MISSION REVIEW
71
PROFIL DEWAN KOMISARISBOARD OF COMMISSIONERS PROFILES
76
PROFIL DIREKSIBOARD OF DIRECTORS PROFILES
80
PROFIL KOMITE DI BAWAH DEWAN KOMISARISPROFILE OF COMMITTEES UNDER THE BOARD OF COMMISSIONERS
85
PROFIL PEJABAT EKSEKUTIFEXECUTIVE OFFICERS PROFILES
89
DIREKSI ENTITAS ANAKSUBSIDIARIES BOARD OF DIRECTORS
91
PROFIL KARYAWANEMPLOYEES PROFILE
92
STRUKTUR KORPORASI DAN KEPEMILIKAN SAHAMCORPORATE AND SHAREHOLDERS STRUCTURE
95
KOMPOSISI PEMEGANG SAHAMSHAREHOLDERS COMPOSITION
96
DAFTAR ENTITAS ANAK DAN/ATAU ENTITAS ASOSIASILIST OF SUBSIDIARIES AND/OR ASSOCIATED ENTITIES
98
KRONOLOGIS PENCATATAN SAHAMSHARE LISTING CHRONOLOGY
112
KRONOLOGIS PENCATATAN OBLIGASIBOND LISTING CHRONOLOGY
115
KRONOLOGIS PENCATATAN EFEK LAINNYAOTHER SECURITIES LISTING CHRONOLOGY
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Laporan Tahunan | Annual Report 20165
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
LEMBAGA DAN PROFESI PENUNJANG PASAR MODALCAPITAL MARKET INSTITUTION AND SUPPORTING PROFESSIONALS
118
PENGHARGAAN DAN SERTIFIKASIAWARDS AND CERTIFICATION
120
NAMA DAN ALAMAT KANTOR WILAYAH DAN/ATAU CABANG ENTITAS ANAKNAMES AND ADDRESSES OF REGIONAL AND/OR SUBSIDIARY OFFICES
124
AKSES INFORMASIINFORMATION ACCESS
131
PENDIDIKAN DAN/ATAU PELATIHAN DEWAN KOMISARIS, DIREKSI, KOMITE-KOMITE, SEKRETARIS PERUSAHAAN DAN UNIT AUDIT INTERNALEDUCATION AND/OR TRAINING OF THE BOARD OF COMMISSIONERS, BOARD OF DIRECTORS, COMMITTEES, CORPORATE SECRETARY AND INTERNAL AUDIT UNIT
132
ANALISIS DAN PEMBAHASAN MANAJEMENMANAGEMENT DISCUSSION AND ANALYSIS 3TINJAUAN INDUSTRIINDUSTRY REVIEW
142
Perekonomian GlobalGlobal Economy
142
Perekonomian IndonesiaIndonesian Economy
144
Kondisi Industri Jasa KeuanganFinancial Industry Conditions
146
Posisi MNC Kapital Terhadap Industri Jasa KeuanganMNC Kapital Position In The Financial Industry
148
TINJAUAN OPERASIONALOPERATIONAL REVIEW
150
Strategi Pengembangan Bisnis 20162016 Business Development Strategy
151
Aspek PemasaranMarketing Aspects
153
Pangsa PasarMarket Share
163
Kinerja Operasional Segmen UsahaOperational Business Segment Performance
168
Pendapatan dan Profitabilitas Segmen UsahaIncome and Profitability by Business Segment
180
Prospek UsahaBusiness Prospects
184
Strategi dan Rencana Kerja 20172017 Strategy and Work Plan
189
TINJAUAN KEUANGANFINANCIAL REVIEW
191
Laporan Posisi Keuangan KonsolidasianConsolidated Statements of Financial Position
191
Laporan Laba Rugi dan Penghasilan Komprehensif Lain KonsolidasianConsolidated Statement of Income and Other Comprehensive Income
194
Laporan Arus Kas KonsolidasianConsolidated Statement of Cash Flow
197
Tingkat Kesehatan PerusahaanCompany Health Level
198
Rasio KeuanganFinancial Ratios
199
Kemampuan Membayar Utang dan Kolektibilitas PiutangAbility to Pay Debt and Receivables Collectibility
199
Struktur ModalCapital Structure
205
Ikatan Material Terkait Investasi Barang ModalMaterial Commitments Related To Capital Expenditures
206
Realisasi Investasi Barang ModalCapital Investments Realization
206
Perbandingan Target dan Realisasi Kinerja 2016 Serta Target dan Proyeksi 2017Comparison of 2016 Target and Realization and 2017 Target and Projection
207
Informasi Material yang Terjadi Setelah Tanggal Laporan Akuntan Kebijakan DividenMaterial Information Occurring After the Date of the Accountants Report
208
Program Kepemilikan Saham Oleh Manajemen dan/atau KaryawanManagement and/or Employees Share Ownership Program
209
Realisasi Penggunaan Dana Hasil Penawaran UmumUse of Public Offering Realization
210
Informasi Material Mengenai Investasi, Ekspansi, Divestasi, Akuisisi, atau Restrukturisasi Hutang dan ModalMaterial Information on Investments, Expansions, Divestments, Acquisitions, or Debt and Capital Restructuring
212
DAFTAR ISITABLE OF CONTENTS
6Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Informasi Transaksi Material Dengan Pihak BerelasiMaterial Information on Transactions With Related Parties
214
Informasi Transaksi Material yang Mengandung Benturan KepentinganMaterial Transaction Information Containing Conflict of Interests
220
Komitmen dan KontinjensiCommitments and Contingencies
220
Perubahan Peraturan Perundang Undangan yang Berpengaruh Signifikan Terhadap PerseroanAmendment to Legislations With A Significant Impact on The Company
221
Perubahan Kebijakan Akuntansi dan Dampaknya Terhadap Laporan KeuanganAccounting Policy Changes and the Impact on Financial Statements
221
Informasi Kelangsungan UsahaBusiness Conduct Information
223
SUMBER DAYA MANUSIA DAN TEKNOLOGI INFORMASIHUMAN RESOURCES AND INFORMATION TECHNOLOGY 4SUMBER DAYA MANUSIAHUMAN RESOURCES
226
PEDOMAN PENGELOLAAN MANAJEMEN SDMHUMAN RESOURCES MANAGEMENT GUIDELINES
226
ROADMAP SUMBER DAYA MANUSIAHUMAN RESOURCES ROADMAP
227
ORGANIZATIONAL DEVELOPMENTORGANIZATIONAL DEVELOPMENT
228
CAPACITY FULFILLMENTCAPACITY FULFILLMENT
228
CAPACITY BUILDINGCAPACITY BUILDING
230
INTERNALISASI CORPORATE CULTURECORPORATE CULTURE INTERNALIZATION
238
ENGAGEMENT KARYAWANEMPLOYEE ENGAGEMENT
239
TURNOVER KARYAWANEMPLOYEE TURNOVER
240
HUBUNGAN INDUSTRIALINDUSTRIAL RELATIONS
241
PROGRAM PENSIUNPENSION PROGRAMS
241
PROFIL HUMAN CAPITALHUMAN CAPITAL PROFILE
242
TEKNOLOGI INFORMASIINFORMATION TECHNOLOGY
246
TATA KELOLA PERUSAHAANCORPORATE GOVERNANCE 5MANFAAT IMPLEMENTASI GCG BAGI PERSEROANBENEFITS OF GCG FOR THE COMPANY
254
DASAR PENERAPAN GOOD CORPORATE GOVERNANCE GOOD CORPORATE GOVERNANCE IMPLEMENTATION BASIS
255
PENINGKATAN KUALITAS GCG SECARA BERKELANJUTANGCG QUALITY IMPROVEMENTS
259
Penetapan Standar Kualitas Implementasi GCGImplementation of GCG Quality Standards
259
Pelaksanaan dan Pemonitoran Implementasi GCGImplementation and Monitoring GCG
260
Assessment GCG dan Tindak LanjutnyaGCG Assessment and Follow Up
262
Peningkatan Kualitas dan BenchmarkingImproving Quality and Benchmarking
262
PELAKSANAAN PENERAPAN ASPEK DAN PRINSIP TATA KELOLA PERUSAHAAN SESUAI KETENTUAN OTORITAS JASA KEUANGANIMPLEMENTATION OF CORPORATE GOVERNANCE ASPECTS AND PRINCIPLES BASED ON FINANCIAL SERVICES AUTHORITYPROVISIONS
263
STRUKTUR DAN MEKANISME GCGGCG STRUCTURE AND MECHANISM
268
Rapat Umum Pemegang SahamGeneral Meeting of Shareholders
269
Dewan KomisarisBoard of Commissioners
295
DireksiBoard of Directors
319
Komite-Komite Di Bawah Dewan KomisarisCommittees Under The Board of Commissioners
350
DAFTAR ISITABLE OF CONTENTS
Laporan Tahunan | Annual Report 20167
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Sekretaris PerusahaanCorporate Secretary
377
INFORMASI PEMEGANG SAHAM UTAMA DAN PENGENDALI MAJOR AND CONTROLLING SHAREHOLDER INFORMATION
382
Perlakuan yang Sama Terhadap Seluruh Pemegang SahamEqual Treatment To All Shareholders
382
PENERAPAN TATA KELOLA DAN MANAJEMEN RISIKO TERINTEGRASIIMPLEMENTATION OF INTEGRATED GOVERNANCE AND RISK MANAGEMENT
383
Pembentukan KomiteEstablishing Committees
383
Self Assessment Komite Manajemen Risiko TerintegrasiIntegrated Risk Management Committee Self Assessment
386
Penerapan Manajemen Risiko Terintegrasi Implementation of Integrated Risk Management
388
Penilaian Profil Risiko TerintegrasiIntegrated Risk Profile Assessment
389
UNIT AUDIT INTERNALINTERNAL AUDIT UNIT
390
AKUNTAN PUBLIKPUBLIC ACCOUNTANT
399
FUNGSI MANAJEMEN RISIKORISK MANAGEMENT FUNCTION
401
SISTEM PENGENDALIAN INTERNALINTERNAL CONTROL SYSTEM
409
FUNGSI KEPATUHANCOMPLIANCE FUNCTION
412
PERMASALAHAN HUKUMLEGAL ISSUES
415
AKSES INFORMASIINFORMATION ACCESS
415
KODE ETIKCODE OF CONDUCT
417
WHISTLEBLOWING SYSTEMWHISTLEBLOWING SYSTEM
421
TANGGUNG JAWAB SOSIAL PERUSAHAANCORPORATE SOCIAL RESPONSIBILITY 6LANDASAN PELAKSANAANIMPLEMENTATION BASIS
427
TANGGUNG JAWAB TERHADAP LINGKUNGAN HIDUPRESPONSIBILITY RELATED TO THE ENVIRONMENT
428
TANGGUNG JAWAB TERHADAP KETENAGAKERJAAN, KESEHATAN, DAN KESELAMATAN KERJARESPONSIBILITY RELATED TO EMPLOYMENT, OCCUPATIONAL HEALTH AND SAFETY
430
TANGGUNG JAWAB TERHADAP SOSIAL DAN KEMASYARAKATANRESPONSIBILITY RELATED TO SOCIAL AND COMMUNITY
434
TANGGUNG JAWAB SOSIAL TERHADAP KONSUMENSOCIAL RESPONSIBILITY RELATED TO CONSUMERS
437
TANGGUNG JAWAB SOSIAL KEPADA PEMASOKSOCIAL RESPONSIBILITY RELATED TO SUPPLIERS
439
TANGGUNG JAWAB SOSIAL KEPADA KREDITORSOCIAL RESPONSIBILITY TO CREDITORS
439
SURAT PERNYATAAN ANGGOTA DEWAN KOMISARIS DAN DIREKSI TENTANG TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2016 PT MNC KAPITAL INDONESIA TBKTHE BOARD OF COMMISSIONERS AND THE BOARD OF DIRECTORS STATEMENT OF RESPONSIBILITY FOR THE 2016 ANNUAL REPORT OF PT MNC KAPITAL INDONESIA TBK
441
LAPORAN KEUANGAN KONSOLIDASIAN DAN LAPORAN AUDITOR INDEPENDENCONSOLIDATED FINANCIAL STATEMENTS AND INDEPENDENT AUDITORS REPORT
7
INDEKS KRITERIA ANNUAL REPORT AWARDINDEX OF ANNUAL REPORT AWARD CRITERIA 8
DAFTAR ISITABLE OF CONTENTS
8Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
2016
PENCAPAIAN PENTINGIMPORTANT ACHIEVEMENTS
naik
Jumlah Aset Total Assets
14,55%
MNC Life mendapatkan penghargaan Peringkat II Digital Brand Asuransi Jiwa dalam acara Infobank Digital Brand of The Year 2016MNC Life received Grade II Digital Brand Life Insurance Award
at the Infobank Digital Brand of The Year 2016 Event
MNC Life Assurance Aman IDR mendapat penghargaan sebagai Unit Link yang berpredikat SANGAT BAGUS atas Kinerja Unit Link Jenis Pendapatan Tetap Tahun 2015 dalam Infobank Unit Link Awards 2016MNC Life Assurance Aman IDR was ranked EXCELLENT for
Unit Link Fixed Income Performance in 2015 at the Infobank
Unit Link Awards 2016
MNC Dana Kombinasi sebagai Reksa Dana Campuran Terbaik 2016 Periode 5 Tahun dengan Tipe Moderat oleh Majalah Investor-Infovesta
MNC Dana Kombinasi as the Best Balanced Mutual
Fund 2016 - Period of 5 Years as a Moderate Type
by Investor-Infovesta Magazine
naik
17,08%Jumlah Pendapatan Total Revenue
Laporan Tahunan | Annual Report 20169
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
2016
MNC Dana Syariah sebagai Reksa Dana Pendapatan Tetap Syariah Terbaik 2016 Periode 5 tahun oleh Majalah InvestorMNC Dana Syariah as the best Fixed Income Sharia Funds
2016 for a Period of 5 years by Investor Magazine
MNC Securities mendapat Rekor MURI - Penciptaan Investor Saham Terbanyak
dalam Satu Perguruan TinggiMNC Securities received the MURI record for Creating the
Highest Number of Stock Investors in One University
MNC Finance mendapat penghargaan Multifinance - Predikat SANGAT BAGUS
oleh Majalah InfobankMNC Finance received a Multifinance Award - ranked
EXCELLENT by Infobank Magazine
PENCAPAIAN PENTINGIMPORTANT ACHIEVEMENTS
10Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
2004PT Bhakti Securities resmi didirikan. Kegiatan usaha sekuritas Perseroan dialihkan ke PT Bhakti Securities.
PT Bhakti Securities was formally established. The Companys securities business activities were transferred to PT Bhakti Securities.
Pada tanggal 15 Juli 1999, Perseroan didirikan di Jakarta dengan nama PT Bhakti Capital Indonesia.
On 15 July 1999, the Company was established in Jakarta with the name PT Bhakti Capital Indonesia.
1999
2001Penawaran Umum Perdana Saham
Perseroan.
The Companys Initial Public Offering of Shares.
Perseroan mengakuisisi PT UOB Life Sun Assurance yang kemudian namanya diganti menjadi PT MNC
Life Assurance.
The Company acquired PT UOB Life Sun Assurance later renamed as PT MNC Life Assurance.
2010
2011Perseroan mengakuisisi PT Jamindo General Insurance yang kemudian namanya diganti menjadi PT MNC Asuransi Indonesia (MNC Insurance).
PT Bhakti Asset Management. PT Bhakti Finance dan PT Bhakti Securities berganti nama menjadi PT MNC Asset Management, PT MNC Finance,
dan PT MNC Securities.
The Company acquired PT Jamindo General Insurance. later renamed PT MNC Asuransi Indonesia (MNC Insurance).
PT Bhakti Asset Management, PT Bhakti Finance and PT Bhakti Securities changed their names respectively to PT MNC Asset Management, PT MNC Finance, and PT MNC Securities.
JEJAK LANGKAHMILESTONES
2003Perseroan menjadi perusahaan induk untuk Entitas Anak yang bergerak di sektor jasa keuangan.
PT Bhakti Asset Management dan PT Bhakti Finance menjadi Entitas Anak dari Perseroan
The Company became the holding company for subsidiaries engaged in the financial services sector.
PT Bhakti Asset Management and PT Bhakti Finance became subsidiaries of the Company
Laporan Tahunan | Annual Report 201611
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
2013Perseroan menerbitkan Obligasi Berkelanjutan I Tahap I sebesar Rp225 miliar dengan jangka waktu 5 tahun untuk memperkuat modal
kerja Entitas Anak.
The Company issued Sustainable Bond I Phase I amounting to Rp225 billion for a term of 5 years to strengthen its subsidiaries working capital.
2012Perseroan berganti nama menjadi PT MNC Kapital
Indonesia Tbk.
The Company changed its name to PT MNC Kapital Indonesia Tbk.
Perseroan melakukan Penawaran Umum Terbatas I dengan Hak Memesan Efek Terlebih Dahulu (HMETD) sebanyak 2.615.276.045 lembar saham dengan total dana yang diterima sebesar Rp2,35 triliun.
Perseroan mengambil alih saham dan resmi menjadi salah satu Pemegang Saham Pengendali PT Bank ICB Bumiputera Tbk yang kemudian namanya diganti menjadi PT Bank MNC Internasional Tbk.
Perseroan mengakuisisi 99,99% kepemilikan saham atas PT Indo Finance Perkasa yang kemudian namanya
diganti menjadi PT MNC Guna Usaha Indonesia.
The Company conducted a Limited Public Offering I with Pre-emptive Rights (HMETD) of 2,615,276,045 shares with total funds received amounting to Rp2.35 trillion.
The Company acquired the shares and officially became one of the controlling shareholder of PT Bank ICB Bumiputera Tbk later renamed PT Bank MNC Internasional Tbk.
The Company acquired 99.99% of the shares in PT Indo Finance Perkasa, which was later renamed to PT MNC Guna Usaha Indonesia.
2014
2015Perseroan melakukan Penawaran Umum Terbatas II denganHak Memesan Efek Terlebih Dahulu (HMETD) sebanyak551.474.960 lembar saham dengan total dana yang diterimasebesar Rp827,21 miliar.
The Company conducted a Limited Public Offering II with Pre-emptive Rights (HMETD) of 551,474,960 shares with total funds received amounting to Rp827.21 billion.
Tahun 2016 menjadi tahun penting bagi MNC Financial Services dalam membangun sistem yang kuat untuk menghadapi era digital. Pada tahun inilah. ketujuh unit bisnis yang berada di bawah naungan PT MNC Kapital Indonesia Tbk berhasil membangun fondasi infrastruktur dengan cepat dan melakukan investasi di area-area yang sangat penting.
Perseroan mendapatkan dana dari penebusan warrant sebesar Rp824,3 miliar
2016 was an important year for MNC Financial Services in building a strong system to face the digital era. To achieve this, seven business units under PT MNC Kapital Indonesia Tbk built a faster infrastructure foundation and invested in important areas.
The Company obtained funds from the execution of warrants in the amount of Rp824.3 billion
2016
JEJAK LANGKAHMILESTONES
12Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
KEUNGGULAN PERUSAHAANCOMPANY ADVANTAGES
One Of The Strategic Pillars of the Leading Integrated Investment Company
As part of a strong business group. the Company has a strong
impact on brand MNC. One important point is that the MNC
Group is strong in the media business segment, giving the
Company an advantage in efficiency and effectiveness for
product and services promotions.
Providing One Stop Integrated Financial Services
With integrated financial services, strong synergies are created
through
Better market positioning of product
Cross selling of product
Leveraging on a wider distribution of network
Owning An Integrated Digital Infrastructure
The Company has completed the digital transformation that
began by strengthening the data center, servers, networks,
security, and connectivity. 2016 became an important year for
the Company to build a strong system to face the digital era.
To achieve this, seven business units under the Company built
a faster infrastructure foundation t and invested in important
areas.
With a strong foundation built around its business units.
integrated consolidation became increasingly easier to achieve.
In 2016, the Company finalized many digital infrastructure
Merupakan Salah Satu Pilar Strategis Dari Leading Integrated Investment Company
Sebagai salah satu bagian dari kelompok usaha yang kuat maka
Perseroan memiliki dampak yang kuat atas brand MNC. Hal
penting lainnya adalah bahwa MNC Group memiliki segmen
bisnis yang kuat di bidang media, maka Perseroan memiliki
keunggulan dalam efisiensi dan efektivitas kegiatan promosi
produk dan jasa.
Kemampuan untuk dengan cepat mengembangkan a g e n d i s t r i b u s i sehingga menghasilkan pertumbuhan Gross Premi yang tinggi Ability to rapidly expand d is t r ibut ion agents resulting in high growth in Gross Premiums
Kemampuan untuk dengan cepat menjalin kemitraan bisnis dengan dealer resmiAbility to rapidly forge business partnerships with authorized dealerships
Institusi finansial dan
individual yang sangat
kredibelHighly credible financial institutions and individuals
K e m a m p u a n u n t u k
menarik, merekrut dan
mempertahankan talenta
terbaikAbility to attract, recruit and retain the best talents
Grup Media terbesar dan terintegrasi di Asia Tenggara The largest and the most integrated Media Group in South-East Asia
Dampak dari Nama Besar Brand MNC Strong Impact of the MNC Brand
Menyediakan One Stop Integrated Financial Services
Dengan melakukan integrasi jasa keuangan, akan tercipta
sinergi yang kuat melalui
Better market positioning of product
Cross selling of product
Leveraging on a wider distribution of network
Memiliki Infrastruktur Digital Yang Terintegrasi
Perseroan telah melakukan transformasi digital yang diawali
dengan penguatan data center, server, network, security, dan
connectivity. Tahun 2016 menjadi menjadi tahun penting
bagi Perseroan dalam membangun sistem yang kuat untuk
menghadapi era digital. Pada tahun inilah, ketujuh unit bisnis
yang berada di bawah naungan Perseroan berhasil membangun
fondasi infrastruktur dengan cepat dan melakukan investasi
di area-area yang sangat penting.
Dengan fondasi yang kuat di masing-masing unit bisnis, konsolidasi
secara integral pun semakin mudah dilakukan. Pada tahun 2016,
Perseroan menyelesaikan banyak proyek infrastruktur digital.
Laporan Tahunan | Annual Report 201613
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
projects. Through integration, the systems became better
organized, Similarly with management. The Service Level
Agreement was improved supported by reliable teams.
Company achievements included:
Consolidated the data center
Created an integrated cloud
Migrated and refreshed the technology systems
Integrated the call center
Integrated the Database
Strengthened the security system
Built a disaster recovery system in Surabaya
Installed digitizing systems in each business unit
Integrated Branch Development
In 2016, the Company started to develop Integrated Branches
to provide integrated services under 1 (one) roof in 7 (seven)
MNC Kapital subsidiaries in 4 (four) branches. With the
Integrated Branches, the customer will be more comfortable,
and the Company will find it easier to provide services, having
better access to potential customers and of course increasing
efficiency by sharing resources. The Company plans to launch
the Integrated Branches on several locations in 2017.
Dengan integrasi tersebut, sistem menjadi lebih tertata. Demikian
pula dengan manajemen. Level Service Agreement-nya juga lebih
baik dan ditunjang oleh tim yang handal.
Hal-hal yang telah dilakukan oleh Perseroan terkait dengan
hal tersebut adalah:
Mengkonsolidasikan data center
Membuat integrated cloud
Migrasi dan refresh sistem teknologi
Integrasi call center
Integrasi database
Memperkuat security system
Membangun disaster recovery sytsem di Surabaya
Melakukan digitalisasi sistem di masing-masing unit bisnis
Pengembangan Integrated Branch
Pada tahun 2016, Perseroan telah memulai pengembangan
Integrated Branch yang akan memberikan layanan terpadu
yaitu berupa pelayanan 1 (satu) atap/terpadu untuk 7 (tujuh)
Entitas Anak MNC Kapital di 4 (empat) cabang. Dengan adanya
Integrated Branch maka nasabah akan lebih nyaman, Perseroan
akan lebih mudah dalam memberikan pelayanan, memiliki
akses yang lebih baik kepada customer potensial dan tentu
saja akan meningkatkan efisiensi melalui sharing resources.
Perseroan merencanakan untuk meresmikan beberapa lokasi
Integrated Branch di tahun 2017.
PT MNC KAPITAL INDONESIA Tbk
Produk DanaFunding Product
PerbankanBanking
Fasilitas KreditLoan Facility
Kartu KreditCredit Card
TreasuriTreasury
Trade Finance
PembiayaanMulti Finance
Pembiayaan
Konsumen ConsumerFinancing
SekuritasSecurities
Jasa Penasehat
Keuangan Financial Advisory
Services
Penjamin Emisi
EfekUnderwriting
Jasa PerantaraPedagang EfekBrokerage Services
Jasa RisetResearch Services
Asuransi JiwaLife Insurance
Asuransi JiwaKumpulan
Group Life Insurance
Asuransi Jiwa
Individu Individual Life
Insurance
Asuransi UmumGeneral Insurance
Asuransi Kendaraan
BermotorMotor Vehicle Insurance
Asuransi PropertiProperty Insurance
AsuransiPengangkutan
Marine Cargo Insurance
Asuransi EngineeringEngineering Insurance
Sewa Guna UsahaLeasing
Anjak PiutangFactoring
Sewa Pembiayaan
dan OperasiFinance & Operating Lease
Manajemen InvestasiInvestment Management
Jasa Manager InvestasiInvestment Manager Services
Jasa Penasehat InvestasiInvestment Advisory Services
Asuransi AviasiAviation Insurance
As of December 2016, the Company* owned 39.50% shares of PT Bank MNC Internasional Tbk, branded as MNCBank
Per Desember 2016, Perseroan* memiliki 39,50% saham PT Bank MNC Internasional Tbk, yang dikenal dengannama MNC Bank
Better market positioning of products Cross selling of products Leveraging on wider distribution network
Product positioning yang lebih baik di pasar Cross selling Memanfaatkan jaringan distribusi yang lebih luas
Menciptakan sinergi melaluiCreating synergies through
KEUNGGULAN PERUSAHAANCOMPANY ADVANTAGES
IKHTISARKINERJA
2016PERFORMANCE
HIGHLIGHTS2016
Kunci fondasi yang kuat adalah bahan yang baik dan tentunya itikad untuk dapat membangun
fondasi yang kokoh.
The key of solid foundation is good ingredients and a strong will to build a solid foundation.
16Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Ikhtisar Kinerja 2016
IKHTISAR KINERJAPERFORMANCE HIGHLIGHTS
Financial Highlights Data
Financial Highlights
Ikhtisar Data Keuangan Penting
Ikhtisar KeuanganIkhtisar KeuanganFinancial Highlights
(dalam juta Rupiah)(in million Rupiah)
Uraian 2016 2015 2014 2013 2012 Description
Laporan Posisi Keuangan Konsolidasian Consolidated Financial Position
Aset Assets
Kas dan setara kas 3.245.481 3.682.608 2.629.440 372.346 300.224 Cash and Cash Equivalents
Rekening bank yang dibatasi penggunaannya - 100.000 - 215.194 - Restricted Cash in Bank
Deposito yang dijadikan jaminan pada Lembaga Kliring dan Penjaminan Efek Indonesia
6.659 6.271 5.932 5.514 4.781 Deposits used as collateral with Institute of Clearing and Settlement Guarantee for
Securities Company in Indonesia
Piutang pada Lembaga Kliring dan Penjaminan Efek Indonesia
143.543 124.296 127.008 76.219 131.936 Receivables from Institute of Clearing and
Settlement Guarantee for Securities Company in Indonesia
Piutang nasabah Receivables from customers
Pihak berelasi - - 11 - - Related Parties
Pihak ketiga 1.213.479 1.188.893 533.566 420.151 1.418.014 Third Parties
Efek-efek Securities
Pihak berelasi 291.312 275.479 379.273 279.122 336.339 Related Parties
Pihak ketiga 4.205.519 2.915.164 1.874.690 119.411 43.105 Third Parties
Piutang pembiayaan Financing Receivables
Pihak berelasi 197.755 80.016 40.081 41.986 46.857 Related Parties
Pihak ketiga 2.562.779 1.733.153 1.229.170 937.491 791.360 Third Parties
Cadangan kerugian penurunan nilai (21.552) (13.823) (13.871) (8.315) (8.017) Allowance for Impairment Losses
Kredit Loans
Pihak ketiga 7.915.557 7.038.177 6.186.398 - - Third Parties
Cadangan kerugian penurunan nilai (52.521) (37.962) (128.402) - - Allowance for Impairment Losses
Piutang pembiayaan Murabahah-bersih Murabahah Financing Receivables - net
Pihak berelasi 319 1.511 5.163 9.297 4.221 Related Parties
Pihak ketiga 487.687 617.536 542.170 361.311 137.928 Third Parties
Cadangan kerugian penurunan nilai (4.429) (8.085) (5.918) (2.368) (870) Allowance for Impairment Losses
Piutang pembiayaan Musyarakah Mutanaqisah-bersih
Musyarakah Mutanaqisah Financing Receivables - net
Pihak ketiga 85.982 - - - - Third Parties
Cadangan kerugian penurunan nilai (360) - - - - Allowance for Impairment Losses
Premi dan aset reasuransi Premiums and reinsurance assets
Pihak berelasi 9.680 5.840 19.998 12.604 21.170 Related Parties
Pihak ketiga 372.789 332.889 304.397 182.890 85.632 Third Parties
Cadangan kerugian penurunan nilai (9.378) (8.120) (841) (327) (118) Allowance for Impairment Losses
Aset tetap - setelah dikurangi akumulasi penyusutan sebesar Rp220.152 juta pada 31 Desember 2016 dan Rp192.711 juta pada 31 Desember 2015
224.300 200.743 149.007 49.702 49.172
Property and equipment - net of accumulated depreciation of Rp220,152 million as of
December 31, 2016 and Rp192,711 million as of December 31, 2015
Aset Al - Ijarah - setelah dikurangi akumulasi penyusutan sebesar Rp213.269 juta pada 31 Desember 2016 dan Rp177.086 juta pada 31 Desember 2015
77.967 121.294 177.856 141.824 -
Al - Ijarah assets - net of accumulateddepreciation of Rp213,269 million as of
December 31, 2016 and Rp177,086 million as of December 31, 2015
Laporan Tahunan | Annual Report 201617
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Performance Highlights 2016
Ikhtisar KeuanganFinancial Highlights
(dalam juta Rupiah)(in million Rupiah)
Uraian 2016 2015 2014 2013 2012 Description
Goodwill 364.163 364.163 364.163 5.494 5.494 Goodwill
Aset Pajak Tangguhan 140.635 110.126 101.687 14.441 12.446 Deferred Tax Assets
Aset lain-lain 758.653 564.500 494.021 228.903 49.398 Other Assets
Jumlah Aset 22.216.019 19.394.669 15.014.999 3.462.890 3.429.072 Total Assets
Liabilitas Liabilities
Simpanan Deposits
Pihak berelasi 665.458 805.769 881.889 - - Related Parties
Pihak ketiga 9.510.366 8.818.646 6.815.214 - - Third Parties
Simpanan dari bank lain 507.316 500.705 235.948 - - Deposits from Other Banks
Liabilitas segera 33.266 14.127 21.140 - - Liabilities immediately payable
Utang kepada Payables to
Lembaga Kliring dan Penjaminan Perusahaan Efek Indonesia
121.023 195.519 165.189 97.371 212.647 Institute of Clearing and Settlement Guarantee
for Securities Company in Indonesia
Nasabah 1.148.686 1.042.087 442.731 304.130 1.213.064 Customers
Utang reasuransi dan utang lain-lain 183.995 180.488 147.451 69.407 61.829 Reinsurance and other payables
Utang pajak 28.362 30.130 22.576 19.132 11.599 Taxes Payable
Liabilitas kontrak asuransi dan investasi 458.138 395.072 377.296 269.421 159.481 Insurance and investment contracts liability
Utang bank dan institusi keuangan non bank 1.728.885 854.278 828.954 758.852 674.497 Loans from bank and non-bank financial
institutions
Utang Al - Musyarakah 674.472 763.964 495.122 228.547 108.318 Al - Musyarakah loan
Utang Al - Mudharabah 140.454 203.312 240.361 236.744 26.137 Al - Mudharabah loan
Utang obligasi dan medium term notes - bersih 254.082 281.508 280.990 321.303 94.003 Bonds payable and medium term notes - net
Utang sewa pembiayaan 17.664 16.127 11.718 5.264 6.691 Obligations under finance lease
Liabilitas imbalan pasca kerja 65.911 53.905 57.876 11.110 16.342 Employee benefits obligation
Liabilitas lain-lain 272.662 35.026 113.716 6.428 75.608 Other Liabilities
Uang muka setoran modal - - - 363.500 - Advance For Stock Subcriptons
Jumlah Liabilitas 15.810.740 14.190.663 11.138.171 2.691.209 2.660.216 Total Liabilities
Ekuitas Equity
Modal saham - nilai nominal Rp100 per saham Capital stock - Rp100 per value per share
Modal dasar -15.000.000.000 saham pada 31 Desember2016, 2015, dan 2014. Modal dasar -4.000.000.000 saham pada 31 Desember2013 dan 2012 dengan nilai nominal Rp100per saham. Modal ditempatkan dan disetor penuh - 5.472.838.318 saham tahun 2016,4.689.385.060 saham tahun 2015,4.003.176.745 saham tahun 2014,1.364.347.500 saham tahun 2013, dan1.344.877.250 saham tahun 2012
547.284 468.939 400.318 136.434 134.488
Authorized capital - 15.000.000.000 shares onDecember 31, 2016, 2015, and 2014.
Authorized capital - 4.000.000.000 shares onDecember 31, 2013 and 2012 with a nominal
value of Rp100 per share. Issued and fully paid -5.472.838.318 shares in 2016, 4.689.385.060
shares in 2015, 4.003.176.745 shares in 2014, 1.364.347.500 shares in 2013, and
1.344.877.250 shares in 2012
Tambahan modal disetor 4.390.461 3.257.687 2.265.021 146.308 121.927 Additional Paid in Capital
Modal lain-lain - Opsi saham karyawan 17.004 6.472 5.672 11.790 7.500 Other Capital Employee Stock Options
Komponen ekuitas lainnya (78.467) (17.211) (44.415) 6.339 (533) Other Equity Component
Saldo laba Retained Earnings
Ditentukan penggunaannya 3.500 3.500 2.500 2.000 1.000 Appropriated
Belum ditentukan penggunaannya 400.832 446.545 511.474 489.521 505.843 Unappropriated
IKHTISAR KINERJAPERFORMANCE HIGHLIGHTS
18Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Ikhtisar Kinerja 2016
Ikhtisar KeuanganFinancial Highlights
(dalam juta Rupiah)(in million Rupiah)
Uraian 2016 2015 2014 2013 2012 DescriptionDikurangi biaya perolehan yang sahamdiperoleh kembali - 9.401.800 saham tahun2016 dan 2015. 12.367.100 saham tahun2014, 11.365.000 saham tahun 2013, dan897.500 saham pada 31 Des 2012
(17.559) (16.347) (21.940) (20.807) (1.463)
Less Cost of Tresury Stock9.401.800 shares in 2016, and 2015,
12.367.100 shares in 2014,11.365.000 shares in 2013, and
897.500 shares on Dec 31, 2012
Ekuitas yang dapat diatribusikan Equity Atributable to the
kepada pemilik entitas induk 5.263.055 4.149.585 3.118.630 771.585 768.762 Owners of the Company
Kepentingan nonpengendali 1.142.224 1.054.421 758.198 96 94 Non-Controlling Interests
Jumlah Ekuitas 6.405.279 5.204.006 3.876.828 771.681 768.856 Total Equity
Jumlah Liabilitas dan Ekuitas 22.216.019 19.394.669 15.014.999 3.462.890 3.429.072 Total Liabilities and Equity
Laporan Laba Rugi dan Penghasilan Komprehensif Lain Konsolidasian
Consolidated Statements of Profit or Loss and Other Comprehensive
Income
Pendapatan Revenues
Bunga dan dividen 1.173.241 1.058.524 107.003 44.323 23.625 Interest and Dividends
Pendapatan pembiayaan dan sewa operasi 465.543 378.485 318.772 269.678 193.889 Financing income and operating lease
Pendapatan premi bersih 314.785 279.814 358.763 256.207 142.391 Premium Revenue - net
Pendapatan murabahah dan musyarakah 130.284 104.955 82.595 44.126 11.921 Murabahah and musyarakah income
Pendapatan Manajemen Investasi 104.558 40.365 1.089 13.563 208.970 Investment banking income
Komisi perantara pedagang efek 46.266 34.363 47.012 58.125 47.846 Brokerage commissions
Jasa manager investasi 22.128 28.252 41.750 74.531 32.145 Investment management fees
Pendapatan sewa Al - Ijarah - bersih 20.056 21.767 19.023 10.042 - Al-Ijarah lease income - net
Pendapatan bunga 10.483 7.213 11.014 16.173 9.906 Interest income
Jumlah Pendapatan 2.287.344 1.953.738 987.021 786.768 670.693 Total Revenues
Beban Expenses
Beban umum dan administrasi (997.940) (795.729) (487.425) (333.763) (281.541) General and Administration Expenses
Beban bunga (859.693) (813.539) (137.556) (137.277) (132.513) Interest Expenses
Klaim dan manfaat (196.103) (137.838) (168.605) (106.288) (54.126) Claims and Benefits
Beban bagi hasil syariah (108.819) (95.774) (79.900) (36.862) (4.889) Syariah profit sharing expenses
Penurunan nilai (84.067) (29.799) (6.223) (32.681) (12.648) Impairment Loses
Komisi neto (39.767) (32.905) (41.592) (57.400) (34.102) Net Commissions
Beban administrasi (10.158) (8.782) (8.534) (669) (5.433) Bank Charges
Lain-lain- bersih (48.592) (90.007) (1.025) (56.613) 16.805 Others - net
Jumlah Beban (2.345.139) (2.004.373) (930.860) (761.553) (508.447) Total Expenses
Laba (Rugi) Sebelum Pajak (57.795) (50.635) 56.161 25.215 162.246 Income (Loss) before tax
Manfaat (Beban) Pajak - Bersih 18.854 12.299 (26.819) (19.570) (7.499) Income Tax Benefit (Expense)
Laba (Rugi) Bersih Tahun Berjalan (38.941) (38.336) 29.342 5.645 154.747 Net Income (Loss) for the year
Penghasilan Komprehensif Lain, Setelah Pajak Other Comprehensive Income, Net of Tax
Pos yang tidak akan direklasifikasi ke laba rugi - Pengukuran kembali atas kewajiban imbalan pasti
(1.595) 3.953 (117) - - Item that will not be reclassified subsequently
to profit or loss - Remeasurement of defined benefits obligation
Pos yang akan direklasifikasi ke laba rugi - Perubahan nilai wajar efek tersedia untuk dijual
(60.007) 55.437 16.664 (824) (346)Item that may be reclassified to profit or loss
Changes in fair value of available for sale (AFS) Securities
IKHTISAR KINERJAPERFORMANCE HIGHLIGHTS
Laporan Tahunan | Annual Report 201619
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Performance Highlights 2016
Ikhtisar KeuanganFinancial Highlights
(dalam juta Rupiah)(in million Rupiah)
Uraian 2016 2015 2014 2013 2012 Description
Jumlah penghasilan komprehensif lain tahun berjalan, setelah pajak
(61.602) 59.390 16.547 (824) (346)Total other comprehensive income for the year,
net of tax
Jumlah Laba (Rugi) Komprehensif Tahun Berjalan
(100.543) 21.054 45.889 4.821 154.401 Total Comprehensive Income (Loss)
for the Year
Laba (Rugi) Bersih Yang Dapat Diatribusikan Kepada:
Profit (Loss) Attributable to:
Pemilik Entitas Induk (45.713) (43.249) 26.328 5.641 154.748 Owners of the Company
Kepentingan Non Pengendali 6.772 4.913 3.014 4 (1) Non-Controlling Interests
Jumlah (38.941) (38.336) 29.342 5.645 154.747 Total
Jumlah Laba (Rugi) Komprehensif Yang Dapat Diatribusikan Kepada:
Total Comprehensive Income (Loss) Attributable to:
Pemilik Entitas Induk (107.639) (19.862) 32.056 4.817 154.402 Owners of the Company
Kepentingan Non Pengendali 7.096 40.916 13.833 4 (1) Non-Controlling Interests
Jumlah (100.543) 21.054 45.889 4.821 154.401 Total
Laba (Rugi) Per Saham(Rupiah Penuh)
Earnings (Loss) per Share (Full Rupiah Amount)
Dasar (9.22) (10.33) 11.10 4.16 121.70 Basic
Dilusian (9.22) (10.33) 11.08 4.12 121.50 Diluted
Rasio Keuangan Financial Ratios
Jumlah Liabilitas/Ekuitas 246,84% 272,69% 287,30% 348,75% 346,00% Total Liabilities/Equity
Jumlah Liabilitas/Jumlah Aset 71,17% 73,17% 74,18% 77,72% 77,58% Total Liabilities/Total Assets
Rasio Usaha Business Ratios
EBITDA 1.022.677 958.115 301.295 270.199 299.846 EBITDA
EBITDA/Pendapatan 44,71% 49,04% 30,53% 34,34% 44,71% EBITDA/Revenue
Laba Bersih/Pendapatan (2,00%) (2,21%) 2,67% 0,72% 23,07% Net Income/Revenue
Laba Bersih/Jumlah Aset (0,21%) (0,22%) 0,18% 0,16% 4,51% Net Income/Total Assets
Laba Bersih/Ekuitas (0,71%) (0,83%) 0,68% 0,73% 20,13% Net Income/Equity
Aset Lancar/Liabilitas Lancar 116,16% 102,83% 91,56% 473,54% 172,58% Current Assets/Current Liabilities
Jumlah Liabilitas/Ekuitas 246,84% 272,69% 287,30% 348,75% 346,00% Total Liabilities/Equity
Jumlah Liabilitas/Jumlah Aset 71,17% 73,17% 74,18% 77,72% 77,58% Total Liabilities/Total Assets
Catatan untuk pembaca laporan: Tabel dan grafik pada laporan ini memaparkan data numerik dengan standar Bahasa Indonesia, sedangkan
pemaparan numerik dalam teks menggunakan standar Bahasa Inggris dan Bahasa Indonesia sesuai dengan konteksnya.
Laba bersih yang dapaat diatribusikan kepada pemilik entitas induk
Note to readers of the report: The tables and graphs in this report uses standard Bahasa for the numerical data, whereas the numerical
data in the text using standard English and Bahasa. Net income attributable to owners of the company
IKHTISAR KINERJAPERFORMANCE HIGHLIGHTS
20Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Ikhtisar Kinerja 2016
Operational Highlights
Share Price Information
LiabilitasLiabilities2.660 2.691 11.138 14.191 15.811
20162015201420132012
AsetAssets
3.429 3.463 15.015 19.395 22.216
20162015201420132012
EkuitasEquity
769 772 3.877 5.204 6.405
20162015201420132012
PendapatanRevenues
671 787 987 1.954 2.287
20162015201420132012
EBITDAEBITDA
300 270 301 958 1.023
20162015201420132012
(dalam milliar Rupiah) | (in billion Rupiah)(dalam milliar Rupiah) | (in billion Rupiah)
Ikhtisar Kinerja OperasionalKinerja OperasionalOperational Performance
(dalam juta Rupiah)(in million Rupiah)
Unit Bisnis Keterangan 2016 2015 Description Business Unit
MNC BankProduk Simpanan 10.339.407 9.766.527 Savings Products
MNC BankProduk Pinjaman 7.994.316 7.085.229 Loan Products
MNC Finance Produksi 2.517.094 1.991.155 Production MNC Finance
MNC Insurance Jumlah Premi 296.183 223.931 Production MNC Insurance
MNC Life Gross Premium 214.955 259.819 Gross Premium MNC Life
MNC Securities Laba Bersih 123.573 68.864 Net Income MNC Securities
MNC Asset ManagementAsset Under Management(dalam miliar Rupiah)
3.409 1.754Asset Under Management
(in billion Rupiah)MNC Asset Management
MNC Leasing Booking Volume 573.063 221.264 Booking Volume MNC Leasing
Informasi Harga Saham Informasi Harga Saham Tahun 20162016 Share Price Information
PeriodePeriod
Harga | PriceVolume Perdagangan
Trade Volume Jumlah SahamTotal Shares
Kapitalisasi Pasar (Rp)Market Capitalization
(Rp)Tertinggi (Rp)Highest (Rp)
Terendah (Rp)Lowest (Rp)
Penutupan (Rp)Closing (Rp)
Ribu LembarThousand Shares
Triwulan I | Quarter I 1.760 1.490 1.640 253.200 4.689.385.060 7.690.591.498.400
Triwulan II | Quarter II 1.675 1.400 1.640 18.936.400 4.933.649.649 8.091.185.424.360
Triwulan III | Quarter III 1.680 1.550 1.620 3.419.000 4.991.606.929 8.086.403.224.980
Triwulan IV | Quarter IV 1.570 1.350 1.480 610.600 5.472.838.318 8.099.800.710.640
Informasi Harga Saham Tahun 20152015 Share Price Information
PeriodePeriod
Harga | PriceVolume Perdagangan
Trade Volume Jumlah SahamTotal Shares
Kapitalisasi Pasar (Rp)Market Capitalization
(Rp)Tertinggi (Rp)Highest (Rp)
Terendah (Rp)Lowest (Rp)
Penutupan (Rp)Closing (Rp)
Ribu LembarThousand Shares
Triwulan I | Quarter I 1.768 889 1.724 150.548.100 4.003.176.745 6.901.476.708.380
Triwulan II | Quarter II 1.887 1.669 1.822 175.278.600 4.136.062.200 7.535.905.328.400
Triwulan III | Quarter III 1.808 1.649 1.649 60.611.200 4.136.062.200 6.820.366.567.800
Triwulan IV | Quarter IV 1.685 1.395 1.685 1.891.300 4.689.385.060 7.901.613.826.100
IKHTISAR KINERJAPERFORMANCE HIGHLIGHTS
Laporan Tahunan | Annual Report 201621
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Performance Highlights 2016
Grafik Informasi Harga Saham Tahun 2016 - 2015 2016 - 2015 Share Price Information
2.000 200.000.000
1.500 150.000.000
1.000 100.000.000
500 50.000.000
0
Q11
5
Q21
5
Q31
5
Q41
5
Q11
6
Q21
6
Q31
6
Q41
6
Harga Penutupan Closing Price
Harga Penutupan (Rupiah)Closing Price (Rupiah)
Volume PerdaganganTrade Volume
Volume Perdagangan (Ribu Lembar)Trade Volume (Thousand Shares)
0
Informasi ObligasiInformasi ObligasiBond Information
ObligasiBond
Jumlah (miliar)Amount (billion)
Jangka Waktu (Tahun)
Time Period (Years)
Tingkat Bunga Kupon
Coupon Interest
Tanggal PenerbitanIssue Date
Tanggal Jatuh Tempo
Maturity Date
PeringkatRanking
Status PembayaranPayment Status
Obligasi Berkelanjutan I Tahap I Tahun 2013 PT MNC Kapital Indonesia Tbk PT MNC Kapital Indonesia Tbk Sustainable Bonds I, Phase I 2013
Rp225 5 12,00%08 Juli 2013
July 08, 201308 Juli 2018
July 08, 2018idBBB
AktifActive
Informasi Efek LainnyaInformasi Pencatatan Medium Term NotesMedium Term Notes Listing Chronology
Jenis EfekSecurity Type
Jumlah (miliar)Amount (billion)
Jangka Waktu (Tahun)
Time Period (Years)
Tingkat Bunga Kupon
Coupon Interest
Tanggal PenerbitanIssue Date
Tanggal Jatuh Tempo
Maturity Date
PeringkatRanking
Status PembayaranPayment Status
Medium Term Notes MNC Securities I MNC Securities Medium Term Notes I
Rp35 36 12,5% 17 Mei 2016May 17, 2016
17 Mei 2019May 17, 2019
Id.BBB (Triple B,
stable outlook)
AktifActive
Bond Information
Other Securities Information
IKHTISAR KINERJAPERFORMANCE HIGHLIGHTS
22Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Ikhtisar Kinerja 2016
PERISTIWA PENTING PERSEROANSIGNIFICANT CORPORATE EVENTS
3 Mei 2016 | Mey 3, 2016RUPS Tahunan dan Luar Biasa dan Paparan Publik: Penambahan modal perseroan Tanpa Hak Memesan Efek Terlebih Dahulu (Non HMETD) dan Management and Employee Stock Option Program (MESOP) Baru.Annual and Extraordinary GMS and Public Exposure: Additional Company Capital without Preemptive Rights (Non HMETD) and new Management and Employee Stock Option Program (MESOP).
8 Juni 2016 | June 8, 201615 Tahun Pencatatan Saham Perseroan (Kode Saham: BCAP) di Bursa Efek Indonesia.Company Shares Registered for 15 Years, (Ticker Code: BCAP) on the Indonesia Stock Exchange.
24 Juni 2016 | June 24, 2016Buka Puasa Bersama MNC Financial Services.MNC Financial Services Breaking Fast Together.
30 September 2016 | September 30, 2016RUPS Luar Biasa: Perubahan Susunan Pengurus Perseroan.Extraordinary GMS: Changes in the Company Management Composition
20 Oktober 2016 | October 20, 2016Perseroan menyelenggarakan MNC Financial Services Planning Cycle yang merupakan rapat kerja tahunan Direksi Perseroan beserta entitas di bawahnya dan evaluasi kinerja tahun berjalan. serta perencanaan kerja untuk tahun depan.The Company conducts MNC Financial Services Planning Cycle, an annual meeting of the Board of Directors for the Company and its subsidiaries, related to the performance evaluation for the current year. As well as planning work for the next year.
911 November 2016 | November 9-11, 2016Partisipasi dalam kegiatan Indonesia Infrastructure Week (IIW) di Jakarta Convention Center.Participation in the Indonesia Infrastructure Week (IIW) at the Jakarta Convention Center.
PERISTIWA PENTING ENTITAS ANAKSIGNIFICANT SUBSIDIARIES EVENTS
26 Januari 2016 | January 26, 2016MNC Insurance Meluncurkan MNCI Apps di Grand Hyatt Jakarta.MNC Insurance Launched an MNCI Apps in Grand Hyatt Jakarta.
JANUARI | JANUARY
25 Januari 2016 | January 25, 2016 MNC Securities berpartisipasi dalam Asosiasi Dana Pensiun Indonesia Gathering and Market Outlook 2016 di Hotel Royal Kuningan, Jakarta.MNC Securities participated in Indonesia Pension Fund Gathering and Market Outlook 2016 in Hotel Royal Kuningan, Jakarta.
28 Januari 2016 | January 28, 2016MNC Securities mengadakan Investor Gathering and Market Outlook 2016 di The Sunan Hotel, Solo.MNC Securities held Investor Gathering and Market Outlook 2016 in The Sunan Hotel, Solo.
Laporan Tahunan | Annual Report 201623
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Performance Highlights 2016
FEBRUARI | FEBRUARY
15 Februari 2016 | February 15, 2016MNC Finance mengadakan Soft Launching Bang Kredit Mobile di MNC Financial Center, Jakarta.MNC Finance held a Bang Kredit Mobile Soft Launching in MNC Financial Center, Jakarta.
17 Februari2016 | February 17, 2016MNC Bank melakukan peresmian Relokasi Kantor Cabang Jambi.MNC Bank Relocate Jambi Branch Office.
18 Februari 2016 | February 18, 2016Penandatanganan Perjanjian Kerja Sama Jasa Pembukaan Rekening Dana Nasabah antara MNC Securities dan Bank Rakyat Indonesia (BRI) di Main Hall Bursa Efek Indonesia, Jakarta.Cooperation agreement signing between MNC Securities and Bank Rakyat Indonesia for Brokerage Account Opening Service in the Main Hall, Indonesia Stock Exchange, Jakarta.
18 Februari 2016 | February 18, 2016Penandatanganan Perjanjian Kerja Sama MNC Securities dengan Bank Sumut sebagai Sub Agen Penjual Sukuk Negara Ritel SR008 di MNC Financial Center, Jakarta.Cooperation Agreement signing between MNC Securities and Bank Sumut as a sub-selling agent of Retail Sharia Government bond SR-008 Series.
19 Februari 2016 | February 19, 2016MNC Securities berpartisipasi dalam Gathering Sukuk Negara Ritel SR-008 di Medan.MNC Securities participated in Retail Sharia Government bond as SR-008 Series Gathering in Medan.
29 Februari2016 | February 29, 2016MNC Securities berpartisipasi dalam Gathering Sukuk Negara Ritel SR-008 di Kendari.MNC Securities participated in Retail Sharia Government bond SR-008 Series in Kendari.
9 Februari 2016 | February 9, 2016Sinergi MNC Life MNC Bank Meluncurkan Produk MNC Safe Pro di MNC Tower, Jakarta.MNC Life MNC Bank Synergy MNC Safe Pro Product Launch in MNC Tower, Jakarta.
10 Februari 2016 | February 10, 2016MNC Life meluncurkan Produk MNC Pro Pasti di MNC Financial Center, Jakarta.MNC Life Launch MNC Pro Pasti Product in MNC Financial Center, Jakarta.
11 Februari 2016 | February 11, 2016Kerjasama MNC Life Bank Victoria di MNC Financial Center, Jakarta.MNC LifeBank Victoria Cooperation in MNC Financial Center, Jakarta.
MARET | MARCH
1 Maret 2016 | March 1, 2016Peresmian Kantor Perwakilan Bursa Efek Indonesia - MNC Securities Makassar.Inauguration of Indonesia Stock Exchange Representative Office - MNC Securities Makassar.1 Maret 2016 | March 1, 2016Peresmian Kantor Perwakilan Bursa Efek Indonesia - MNC Securities Pontianak.Inauguration of Indonesia Stock Exchange Representative Office - MNC Securities Pontianak.1 Maret 2016 | March 1, 2016Peresmian Kantor Perwakilan Bursa Efek Indonesia - MNC Securities Pekanbaru.Inauguration of Indonesia Stock Exchange Representative Office - MNC Securities Pekanbaru.
1 Maret 2016 | March 1, 2016Peresmian Kantor Perwakilan Bursa Efek Indonesia - MNC Securities Yogyakarta.Inauguration of Indonesia Stock Exchange Representative Office - MNC Securities Yogyakarta.
14 Maret 2016 | March 14, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di Universitas Lampung.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in Universitas Lampung.
21 Maret 2016 | March 21, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di Universitas HKBP Nommensen (UHN), Medan.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in Universitas HKBP Nommensen (UHN), Medan.
22 Maret 2016 | March 22, 2016MNC Asset Management meluncurkan produk Reksa Dana Pasar Uang Syariah MNC Dana Syariah Barokah di Jakarta.MNC Asset Management Launch Reksa Dana Pasar Uang Syariah MNC Dana Syariah Barokah product in Jakarta.
30 Maret 2016 | March 30, 2016MNC Life mengadakan Golden Choice Awards 2016 di Ritz Carlton Mega Kuningan, Jakarta.MNC Life held a Golden Choice Awards 2016 in Ritz Carlton Mega Kuningan, Jakarta.
30 Maret 2016 | March 30, 2016Peresmian Galeri Investasi Syariah Bursa Efek Indonesia - MNC Securities di Universitas Al Azhar, Jakarta.Inauguration of Indonesia Stock Exchange- MNC Securities Sharia Investment Gallery in Universitas Al Azhar, Jakarta.
PERISTIWA PENTING ENTITAS ANAKSIGNIFICANT SUBSIDIARIES EVENTS
24Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Ikhtisar Kinerja 2016
APRIL | APRIL
6 April 2016 | April 6, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di IAIN Zawiyah Cot Kala Langsa, Aceh.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in IAIN Zawiyah Cot Kala Langsa, Aceh.
8 April 2016 | April 8, 2016MNC Asset Management meluncurkan produk Reksa Dana Pendapatan Tetap MNC Dana SBN di Jakarta.MNC Asset Management Launch Reksa Dana Pendapatan Tetap MNC Dana SBN product in Jakarta.
11 April 2016 | April 11, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di UPN Veteran Jakarta.Inauguration of Indonesia Stock Exchange Investment - MNC Securities Gallery in UPN Veteran Jakarta.
18 April 2016 | April 18, 2016MNC Bank bekerjasama dengan PT Andalan Finance Indonesia untuk meningkatkan fasilitas Kredit.MNC Bank cooperation with PT Andalan Finance Indonesia to increase credit facilities.
20 April 2016 | April 20, 2016MNC Insurance meresmikan Kantor Cabang Bandung.MNC Insurance inaugurated its Bandung Branch Office.
PERISTIWA PENTING ENTITAS ANAKSIGNIFICANT SUBSIDIARIES EVENTS
3 Mei 2016 | May 3, 2016MNC Bank menyelenggarakan Rapat Umum Pemegang Saham Tahunan dan Rapat Umum Pemegang Saham Luar Biasa di Auditorium MNC Tower, Jakarta.MNC Bank holds an Annual General Meeting of Shareholders (AGMS) and the Extraordinary General Meeting of Shareholders (EGMS) at the MNC Tower Auditorium, Jakarta.
3 Mei 2016 | May 3, 2016MNC Securities berpartisipasi dalam Gathering Savings Bond Ritel SBR 002 di Makassar.MNC Securities participated in Retail Savings Bond Series 002 (SBR 002) Gathering in Makassar.
4 Mei 2016 | May 4, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di STIM Nitro, Makassar.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in STIM Nitro, Makassar.
12 Mei 2016 | May12, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di Universitas Swadaya Gunung Jati, Cirebon.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in Universitas Swadaya Gunung Jati (UNSWAGATI), Cirebon.
18 Mei 2016 | May 18, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di lokasi Universitas Trisakti, Jakarta.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in Universitas Trisakti, Jakarta.
23 Mei 2016 | May 23, 2016MNC Bank gandeng Chandra Sakti Utama Leasing dalam penyaluran fasilitas kredit.MNC Bank cooperates Chandra Sakti Utama Leasing for the extension of credit facilities.
24 Mei 2016 | May 24, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di Universitas Dharma Andalas, Padang.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in Universitas Dharma Andalas, Padang.
25 Mei 2016 | May 25, 2016MNC Bank meresmikan kantor cabang baru di Tabanan Bali.MNC Bank Inaugurates New Branch Office in Tabanan Bali.
26 Mei 2016 | May 26, 2016MNC Bank meresmikan kantor cabang baru di Jl. Gatot Subroto Bali.MNC Bank Inaugurates New Branch Office in Jl. Gatot Subroto Bali.
26 Mei 2016 | May 26, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities Mobile Universitas Bunda Mulia dan Seminar Pasar Modal bagi Karyawan PT Pembangunan Jaya Ancol Tbk di Putri Duyung Ancol, Jakarta.Inauguration of Indonesia Stock Exchange - MNC Securities Investment - Universitas Bunda Mulia University (UBM) Mobile Investment Gallery and Stock Investment Seminar for employees of PT Pembangunan Jaya Ancol Tbk at Putri Duyung Ancol, Jakarta.
MEI | MAY
1 Juni 2016 | June 1, 2016Pembukaan Kantor MNC Life Cabang Lampung.MNC Life Lampung Branch Office Opening.
1 Juni 2016 | June 1, 2016MNC Insurance meresmikan Kantor Perwakilan Bogor.MNC Insurance inaugurated its Bogor Representative Office.
2 Juni 2016 | June 2, 2016MNC Insurance meresmikan Kantor Perwakilan Tangerang.MNC Insurance inaugurated its Tangerang Representative Office.
7 Juni 2016 | June 7, 2016Relaunching Galeri Investasi Bursa Efek Indonesia Syariah - MNC Securities di STEI Tazkia Bogor.Relaunching Indonesia Stock Exchange - MNC Securities Investment Gallery in STEI Tazkia Bogor.
JUNI | JUNE
Laporan Tahunan | Annual Report 201625
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Performance Highlights 2016
8 Juni 2016 | June 8, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di Universitas Kristen Indonesia Tomohon (UKIT), Manado.Inauguration of Indonesia Stock Exchange - MNC Securities Investment Gallery in Universitas Kristen Indonesia Tomohon (UKIT), Manado.
8 Juni 2016 | June 8, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di STIE Eben Haezar, Manado.Inauguration of Indonesia Stock Exchange Investment - MNC Securities Gallery in STIE Eben Haezar, Manado.
9 Juni 2016 | June 9, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di Institut Agama Islam Negeri (IAIN), Manado.Inauguration of Indonesia Stock Exchange Investment - MNC Securities Gallery in Institut Agama Islam Negeri (IAIN), Manado.
PERISTIWA PENTING ENTITAS ANAKSIGNIFICANT SUBSIDIARIES EVENTS
15 Juli 2016 | July 15, 2016MNC Bank melakukan Rapat Umum Pemegang Saham Luar Biasa Kedua (RUPS LB) di MNC Tower, Jakarta.MNC Bank holds a Second Extraordinary General Meeting of Shareholders (EGMS) in MNC Tower,. Jakarta.
22 Juli 2016 | July 22, 2016MNC Securities berpartisipasi dalam acara Malam Apresiasi Bank Pembangunan Daerah (BPD) Award di Hotel Kempinski, Jakarta.MNC Securities participated in Bank Pembangunan Daerah (BPD) Appreciation Night Awards at Hotel Kempinski, Jakarta.
28 Juli 2016 | July 28, 2016MNC Bank Menjadi Tuan Rumah kegiatan BARa Bi-Monthly Sharing Session di Auditorium MNC Tower, JakartaMNC Bank Hosts BARa Bi-Monthly Sharing Session in MNC Tower Auditorium, Jakarta.
28 Juli 2016 | July 28, 2016MNC Leasing Mendapatkan Izin Pembukaan Unit Usaha Syariah Dari OJK.MNC Leasing receives license to open a Sharia Unit from OJK.
JUlI | JULY
5 Agustus 2016 | August 5, 2016Peluncuran MNC Trade New, logo baru MNC Securities, MNC Gemesin (Gemar Menabung Saham Indonesia) dan co-branding Kartu BRIZZI dengan AKSes dan MNC Securities di Bursa Efek Indonesia, Jakarta.Launch of MNC Trade New, New MNC Securities logo, MNC Gemesin (Gemar Menabung Saham Indonesia) and co-branded Kartu BRIZZI with AKSes and MNC Securities at the Indonesia Stock Exchange, Jakarta
5 Agustus 2016 | August 5, 2016MNC Bank berkolaborasi dengan Pollux Properties dalam Fasilitas Kepemilikan Apartemen.MNC Bank collaborated with Pollux Properties for Apartment Ownership Facilities.
11 Agustus 2016 | August 11, 2016Peresmian Relokasi Kantor MNC Life Cabang Medan.Inauguration of relocated MNC Life Medan Branch Office.
15 Agustus 2016 | August 15, 2016Peresmian Galeri Investasi Bursa Efek Indonesia MNC Securities di Universitas Nahdatul Ulama, Jepara.Inauguration of Indonesia Stock Exchange Investment - MNC Securities Gallery in Universitas Nahdatul Ulama, Jepara.
29 Agustus 2016 | August 29, 2016MNC Insurance meresmikan Kantor Perwakilan Lampung.MNC Insurance inaugurated its Lampung Representative Office.
25 Agustus 2016 | August 25, 2016Pembukaan MNC Leasing Cabang Medan (cabang ke 14)MNC Leasing Medan Branch Opening (14th Branch).
25 Agustus 2016 | August 25, 2016MNC Insurance meresmikan Kantor Perwakilan Pontianak.MNC Insurance inaugurated its Pontianak Representative Office.
30 Agustus 2016 | August 30, 2016Peresmian Galeri Investasi Bursa Efek Indonesia - MNC Securities Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Samarinda.Inauguration of Indonesia Stock Exchange Investment - MNC Securities Gallery in Sekolah Tinggi Ilmu Manajemen Indonesia (STIMI) Samarinda.
31 Agustus 2016 | August 31, 2016MNC Bank melakukan penandatangan nota kesepahaman dengan PT Bank Central Asia Tbk. (BCA) dan PT Rintis Sejahtera (Rintis) mengenai implementasi dari kartu Flazz dan pengembangan infrastruktur pendukung lainnya.MNC Bank signs memorandum of understanding with PT Bank Central Asia Tbk. (BCA) and PT Rintis Sejahtera (Rintis) regarding implementation of Flazz Card and other supporting infrastructure development.
AGUSTUS | AUGUST
26Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Ikhtisar Kinerja 2016
LAPORAN DEWAN KOMISARISBOARD OF COMMISSIONERS REPORT
Laporan Tahunan | Annual Report 201627
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Performance Highlights 2016
LAPORAN DEWAN KOMISARISBOARD OF COMMISSIONERS REPORT
Arahan Dewan Komisaris telah dilaksanakan dengan sangat baik oleh Direksi.Melalui Entitas Anak, Perseroan telah berhasil meningkatkan pendapatan seluruh
segmen usahanya. Segmen perbankan mengalami peningkatan pendapatan usahasebesar 3,82%, Segmen Investasi mengalami peningkatan pendapatan usaha
sebesar 3.741,26%, Segmen asuransi mengalami peningkatan pendapatan usahasebesar 13,33%, Segmen penjaminan dan perantara perdagangan efek mengalami
peningkatan pendapatan usaha sebesar 38,90%, Segmen pengelolaan investasimengalami peningkatan pendapatan usaha yang sebesar 24,58%. Sedangkan untuk
segmen lembaga pembiayaan mengalami peningkatan pendapatan usaha sebesar22,34%. Peningkatan pendapatan tiap-tiap segmen usaha tersebut telah berhasil
meningkatkan pendapatan operasional di tahun 2016. Pendapatan operasionalPerseroan pada tahun 2016 mencapai Rp2,29 triliun meningkat Rp333,61 miliar
atau sebesar 17,08% dari tahun 2015 yang mencapai Rp1,95 triliun
The Board of Commissioners directives were very well followed by the Board of Directors.Through its Subsidiaries, the Company has managed to increase operating revenues across
all business segments, with the Banking segment increasing by 3.82%, Investment segmentincreasing by 3,741.26%, Insurance segment increasing by 13.33%, Underwriting and
Brokerage segment increasing by 38.90%, Investment management segment increasing by24.58%, and the Multifinance segment increasing by 22.34%. The increase in revenue in eachbusiness segment resulted in the total operating revenue in 2016 reaching Rp2.29 trillion, an
increase of Rp333.61 billion or 17.08% from Rp1.95 trillion in 2015.
Pemegang Saham dan para Pemangku Kepentingan lainnya
yang kami hormati.
Dewan Komisaris telah menjalankan tugas pengawasan dan
pemberian nasehat kepada kepada Direksi dengan penuh
tanggung jawab, sebagaimana diamanahkan dalam Anggaran
Dasar dan peraturan perundangan yang berlaku. Dalam
menjalankan tugasnya, Dewan Komisaris memastikan bahwa
dalam melaksanakan kegiatan operasionalnya, Perseroan
telah mengacu kepada rencana bisnis yang telah ditetapkan,
serta memastikan kepatuhan terhadap seluruh peraturan dan
perundang-undangan yang berlaku.
Dewan Komisaris senantiasa berupaya untuk memastikan
bahwa Perseroan telah telah dikelola secara profesional,
sesuai dengan kepentingan Pemegang Saham dan Pemangku
Kepentingan lainnya. Dalam menjalankan perannya, Dewan
Komisaris senantiasa menjaga obyektivitas dan independensi.
Oleh karena itu, Dewan Komisaris tidak terlibat dalam
pengambilan keputusan operasional Perseroan, kecuali halhal
yang diatur dan ditetapkan dalam Anggaran Dasar dan
Peraturan Perundang-undangan.
Dear Distinguished Shareholders and Stakeholders.
The Board of Commissioners has the task of monitoring
and providing advice to the Board of Directors, with full
responsibility, as mandated in the Articles of Association
and applicable laws and regulations. In performing its duties,
the Board of Commissioners ensures that whilst carrying out
its operations, the Company refers to an established business
plan, and ensures compliance with all applicable rules and
regulations
The Board of Commissioners ensures that the Company is being
managed in a professional manner, in accordance with the
interests of shareholders and other stakeholders. In carrying
out its role, the Board of Commissioners remains objective
and independent. Therefore, the Board is not involved in any
operational decision-making, except for matters set down
and defined in the Articles of Association and regulations.
28Laporan Tahunan | Annual Report 2016
Profil Perusahaan Analisis dan Pembahasan Manajemen
Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Ikhtisar Kinerja 2016 Sumber Daya Manusia dan Teknologi Informasi
PT MNC Kapital Indonesia Tbk
Ikhtisar Kinerja 2016
Dewan Komisaris memiliki komite-komite yang telah
menjalankan tugas dengan efektif, yaitu Komite Audit,
Komite Nominasi dan Remunerasi, Komite Pemantau Risiko,
dan Komite Tata Kelola Terintegrasi. Tugas dan wewenang
komite-komite penunjang Dewan Komisaris telah didefinisikan
dengan jelas, sehingga dapat berperan secara efektif dalam
membantu Dewan Komisaris.
Dalam laporan ini. Dewan Komisaris melaporkan penilaian
kinerja Direksi, pandangan atas prospek usaha yang disusun
oleh Direksi, penilaian atas komite-komite penunjang Dewan
Komisaris, dan perubahan komposisi Dewan Komisaris.
Tinjauan Makro Ekonomi
Atas kinerja Perseroan yang baik, Dewan Komisaris memberikan
penghargaan yang setinggi-tingginya atas kinerja Direksi yang
telah mampu menghadapi tantangan perekonomian di tahun
2016. Meskipun tingkat pertumbuhan ekonomi Indonesia
telah mengalami sedikit peningkatan, yaitu sebesar 5,02% di
tahun 2016 meningkat dibanding tahun 2015 yang sebesar
4,79% (yoy), beberapa sentiment negatif masih terjadi di
tahun 2016. Kinerja IHSG bergerak masih melemah tipis 0,05%
dibandingkan penutupan 2016.
OJK memandang indikator kinerja intermediasi sektor jasa
keuangan Desember 2016 mayoritas bergerak membaik, meski
masih menghadapi beberapa tantangan. Dana Pihak Ketiga
(DPK) Desember 2016 tumbuh sebesar 9,60% (yoy) lebih tinggi
dibandingkan pertumbuhan Desember 2015 yang sebesar
7,3% (yoy), namun pertumbuhan kredit pada Desember 2016
tercatat sebesar 7,85% (yoy) atau lebih rendah dibandingkan
10,27% (yoy) pada Desember 2015.
Pertumbuhan piutang pembiayaan terus menunjukkan
peningkatan dan tercatat sebesar 6,67% (yoy) di Desember
2016 dibanding November 2016 sebesar 5,48%. Pertumbuhan
ini jauh lebih tinggi dari pertumbuhan tahun 2015 yang
membukukan kontraksi 0,80%.
The Board of Commissioners is assisted by Committees that
have performed their duties effectively, namely the Audit
Committee, Nomination and Remuneration Committee, Risk
Monitoring Committee and Integrated Governance Committee.
The Committees duties and authorities are clearly defined,
so they can function effectively in assisting the Board of
Commissioners.
In this report. the Board of Commissioners will report on the
Board of Directors performance, the business prospects
outlook prepared by the Board of Directors, the assessment
of the Committees below the Board of Commissioners, and
changes in the Board of Commissioners composition.
Macro Economic Review
For the good Company performance, the Board of
Commissioners conveys its highest appreciation to the Board
of Directors for their performance whilst facing the economic
challenges in 2016. Although the rate of economic growth in
Indonesia increased slightly to 5.02% in 2016, compared to
4.79% in 2015, there were some negative sentiments in 2016.
The CSPI index fell slightly by 0.05% at the close of 2016.
OJK perceived that most of performance indicators in the
financial service intermediation sector in December 2016
had started to improve, though still facing several challenges.
Third Party Funds (DPK) in December 2016 grew by 9.60%
(yoy), higher than the 7.3% (yoy) growth in December 2015,
but loan growth in December 2016 was recorded at 7.85%
(yoy) or lower compared to 10.27% (yoy) in December 2015.
Financing Receivables Growth continued to increase and
amounted to 6.67% in December 2016 compared to 5.48%
in November 2016. This growth is much higher than the growth
in 2015 that saw a contraction of 0.80%.
LAPORAN DEWAN KOMISARISBOARD OF COMMISSIONERS REPORT
Laporan Tahunan | Annual Report 201629
Performance Highlights 2016Company ProfileManagement Discussion and Analysis
Corporate GovernanceCorporate Social Responsibility
Human Resources andInformation Technology
PT MNC Kapital Indonesia Tbk
Performance Highlights 2016
Sementara itu, risiko kredit Lembaga Jasa Keuangan (LJK)
terpantau berada dalam level manageable, Likuiditas, dan
permodalan LJK juga masih berada pada level yang baik. Dari sisi
permodalan, ketahanan LJK domestik secara umum berada pada
level yang sangat mencukupi untuk mengantisipasi potensi
risiko. Capital Adequacy Ratio (CAR) perbankan per Desember
2016 mencapai 22,93%.
Pertumbuhan ekonomi domestik diperkirakan meningkat
sejalan dengan proyeksi pembangunan infrastruktur dan
perbaikan harga komoditas. OJK akan terus memantau
dan berkoordinasi dengan pihak terkait dalam mengambil
langkah antisipatif atas kondisi ekonomi global yang dapat
mempengaruhi sektor jasa keuangan, seperti Kebijakan
Amerika Serikat, hasil Pemilu Negara Eropa, dan potensi
devaluasi Yuan.
Penilaian atas Kinerja Direksi
Atas kinerja Direksi yang telah mampu menghadapi
tantangan perekonomian di tahun 2016. Dewan Komisaris
memberikan penghargaan yang setinggi-tingginya. Dewan
Komisaris berpendapat bahwa Direksi telah menjalankan
tugas kepengurusan Perseroan dengan baik. Dalam
melakukan penilaian atas kinerja Direksi, Dewan Komisaris
mempertimbangkan hal-hal sebagai berikut.
Kinerja Operasional dan Keuangan
Dalam menghadapi kondisi perekonomian yang masih belum
sesuai yang diharapkan hingga berdampak pada kondisi industri
perbankan di 2016, Direksi mampu mengambil berbagai inisiatif
strategis dalam rangka meningkatkan kinerja operasional
Perseroan. Pada tahun 2016, Direksi telah melaksanakan
nasehat Dewan Komisaris yaitu dengan menetapkan dan
melaksanakan strategi pengembangan usaha yang tepat dan
efektif. Fokus strategi usaha Perseroan adalah percepatan
pengembangan bisnis dan peningkatan kinerja MNC Kapital
beserta Entitas Anak.
Meanwhile, the Financial Services Institutions (LJK) Credit
Risk was at a manageable level. LJK Liquidity, and Capital
also remained at good levels. From the capital side, domestic
LJK was generally at a level that was sufficient to anticipate
potential risks. The Capital Adequacy Ratio (CAR) per December
2016 reached 22.93%.
Domestic economic growth is expected to increase in line
with the projected infrastructure development and improving
commodity prices. OJK continues to monitor and coordinate
with relevant parties and takes anticipatory measures
based on global economic condition that could affect the
financial services sector, such as the United State policies, the
election results in the European Countries, and the potential
devaluation of the Yuan.
Board of Directors Performance Assessment
For the Board of Directors performance, whilst facing the
economic challenges in 2016, the Board of Commissioners
conveys its highest appreciation. The Board of Commissioners
believes that the Board of Directors has conducted their
management of the Company well. In assessing the Board of
Directors performance, the Board of Commissioners considered
the following matters.
Operating and Financial Performance
In the face of the economic conditions that had an impact
on the banking industry in 2016, the Board of Directors took
strategic initiatives to improve the Companys