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  • Enhancing People Quality

    Laporan Tahunan 2015 Annual ReportPT. Bank Sinarmas Tbk.

  • Laporan tahunan ini memuat pernyataan kondisi

    keuangan, hasil operasi, proyeksi, rencana,

    strategi, kebijakan, serta tujuan Perseroan, yang

    digolongkan sebagai pernyataan ke depan dalam

    pelaksanaan Perundang-undangan yang berlaku,

    kecuali hal-hal yang bersifat historis. Pernyataan-

    pernyataan tersebut memiliki prospek risiko,

    ketidakpastian, serta dapat mengakibatkan

    perkembangan aktual secara material berbeda dari

    yang dilaporkan.

    Pernyataan-pernyataan prospektif dalam laporan

    tahunan ini dibuat berdasarkan berbagai asumsi

    mengenai kondisi terkini dan kondisi mendatang

    Perseroan serta lingkungan bisnis di mana

    Perseroan menjalankan kegiatan usaha. Perseroan

    tidak menjamin bahwa dokumen-dokumen yang

    telah dipastikan keabsahannya akan membawa

    hasil-hasil tertentu sesuai harapan.

    Laporan tahunan ini memuat kata “Bank Sinarmas“

    dan “Perseroan” yang didefinisikan sebagai

    PT. Bank Sinarmas Tbk. yang menjalankan bisnis

    dalam bidang perbankan. Adakalanya kata

    “Perusahaan” dan “Bank” juga digunakan atas

    dasar kemudahan untuk menyebut PT. Bank

    Sinarmas Tbk. secara umum.

    This annual report contains financial condition,

    operation results, projections, plans, strategies,

    policy, as well as the Company’s objectives, which

    is classified as forward-looking statements in the

    implementation of the applicable laws, excluding

    historical matters. Such forward-looking statements

    are subject to known and unknown risks

    (prospective), uncertainties, and other factors that

    could cause actual results to differ materially from

    expected results.

    Prospective statements in this annual report

    are prepared based on numerous assumptions

    concerning current conditions and future events of

    the Company and the business environment where

    the Company conducts business. The Company

    shall have no obligation to guarantee that all the

    valid document presented will bring specific results

    as expected.

    This annual report contains the word “Company”

    and “Bank Sinarmas” hereinafter referred to PT.

    Bank Sinarmas Tbk., as the company that runs

    business in banking industry. The word “Company”

    is at times used to simply refer to PT. Bank Sinarmas

    Tbk. in general.

    DisclaimerSanggahan Dan BataSan tanggung JawaB

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 1

    Selamat datang pada laporan tahunan 2015 PT. Bank

    Sinarmas Tbk. dengan tema “Enhancing People Quality”.

    Tema tersebut dipilih berdasarkan analisis dan kajian yang

    mendalam berdasarkan fakta dan perkembangan bisnis

    perbankan sepanjang 2015 serta masa depan keberlanjutan

    bisnis Bank Sinarmas.

    Laporan Tahunan 2015 PT. Bank Sinarmas Tbk. diterbitkan

    sesuai dengan Peraturan Otoritas Jasa Keuangan No. 6/

    POJK.03/2015 tentang Transparansi dan Publikasi Laporan

    Bank dan juga Keputusan Ketua Badan Pengawas Pasar

    Modal dan Lembaga Keuangan 431/BL/2012 Peraturan No.

    X.K.6 tentang Kewajiban Penyampaian Laporan Tahunan

    Bagi Emiten atau Perusahaan Publik.

    Penyebutan satuan mata uang “Rupiah”, “Rp” atau

    IDR merujuk pada mata uang resmi Republik Indonesia,

    sedangkan “Dollar AS” atau USD merujuk pada mata uang

    resmi Amerika Serikat. Semua informasi keuangan disajikan

    dalam mata uang Rupiah sesuai dengan Standar Akuntasi

    Keuangan Indonesia.

    Laporan Tahunan Bank Sinarmas 2015 disajikan dalam dua

    bahasa yaitu Bahasa Indonesia dan Bahasa Inggris dengan

    menggunakan jenis dan ukuran huruf yang mudah dibaca

    dan dicetak dengan kualitas yang baik. Laporan Tahunan ini

    dapat dilihat dan diunduh di website resmi Bank Sinarmas

    yaitu www.banksinarmas.com.

    Welcome to 2015 annual report of PT. Bank Sinarmas Tbk.

    with the theme “Enhancing People Quality”. This theme

    was selected based on in-dept analysis and study on the fact

    and development of banking business throughout 2015 and

    the future of Bank Sinarmas’ business development.

    The Annual Report of PT. Bank Sinarmas Tbk. is published in

    accordance with the Financial Services Authority Regulation

    No.6/POJK.03/2015 on Transparency and Publication of

    Bank’s Report, and Decision of the Head of Capital Market

    Supervisory Board and Financial Institutions 431/BL/2012

    Regulation No. X.K.6 on the Obligation to Submit Annual

    Report for Issuers or Public Companies.

    The currency of “Rupiah”, “Rp” or IDR throughout this

    report refers to the official currency of the Republic of

    Indonesia, while US Dollar refers to the official currency

    of the US. All financial information is presented in Rupiah

    currency in accordance with the Indonesia Financial

    Accounting Standards.

    The 2015 Annual Report of Bank Sinarmas is presented

    bilingually, both in Indonesian Language and English, using

    font type and size that is easily read, and is printed in good

    quality. This Annual Report can be read and downloaded

    from the official website of Bank Sinarmas, namely www.

    banksinarmas.com.

    TenTang laporan Tahunan Bank sinarmas 2015aBout 2015 annual RepoRt of Bank SinaRmaS

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.2

    Kesinambungan Tema Laporan

    Tahunan Bank Sinarmas

    (2013-2015)

    2013

    Theme Continuity of Annual Report of Bank Sinarmas (2013-2015)

    Tema yang diangkat dalam laporan tahunan Bank

    Sinarmas selama 3 tahun terakhir merupakan visualisasi

    dari rencana, strategi, dan kinerja Perusahaan selama

    tahun buku berjalan. Setiap tema selalu dikaitkan dengan

    elemen tradisional Indonesia sebagai wujud kecintaan

    kami terhadap Indonesia.

    Perusahaan yang besar terbentuk

    berdasarkan kinerja maksimal yang

    didukung oleh budaya Perusahaan yang

    baik. Bank Sinarmas bertekad untuk meraih

    pencapaian terbaik dengan melestarikan

    tradisi yang baik di Perusahaan dan

    senantiasa memanfaatkan potensi dan

    peluang yang tumbuh di tengah dinamika

    perkembangan bisnis guna meraih

    kesuksesan di masa mendatang.

    Melalui semangat “Consistency Striving

    for Excellence”, kami memvisualisasikan

    semangat tersebut dengan memadukan

    elemen tradisional Indonesia yang tetap

    kami pertahankan dalam setiap tema

    laporan tahunan. Tari Kancet Lasan dari

    suku Dayak menjadi tanda keagungan.

    Tarian ini juga sering disajikan dalam

    penyambutan tamu dan acara-acara

    lainnya.

    A reputable company is a fruit from

    perseverance to exert maximum efforts,

    coupled with spirit to internalize corporate

    culture within the company. We are

    determined to reach the best achievements

    by continuously maintaining our good

    tradition while studying every single

    potential and opportunity amid the vibrant

    business development to attain success in

    the future.

    Through a “Consistency Striving for

    Excellence” spirit, we strive to give a

    dynamic performance to keep being in line

    with the economic development. We are

    now revealing a business policy reflecting

    an underlying quality of the Company’s

    performance.

    The themes raised in the annual reports of Bank Sinarmas

    for the past 3 years are a visualization of plan, strategy,

    and performance of the Bank for the year. Each theme is

    always connected with Indonesia’s traditional element as

    a form of our love to Indonesia.

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 3

    2014

    2015

    Perpaduan tiga tari tradisional Indonesia

    memiliki makna filosofi mendalam. Dengan

    mengadopsi filosofi yang terkandung di

    dalamnya, Bank berkembang secara dinamis

    sesuai dengan kebutuhan pasar dan nasabah.

    Dalam membumikan filosofi atas budaya

    dan kesenian bangsa, Bank Sinarmas

    mempersembahkan “Developing Through

    Transformation” yang menggambarkan visi

    dan misi perusahaan serta cita-cita Bank

    untuk menjadi “Payment & Transaction

    Bank” dengan melakukan transformasi di

    bidang SDM dan TI Bank.

    Selama lebih dari 26 tahun telah kami lalui

    dalam industri perbankan. Bank Sinarmas

    senantiasa menerapkan semangat culture

    masyarakat Indonesia yang menjadi kekuatan

    utama dalam memberikan pelayanan terbaik

    kepada seluruh nasabah. Pada tahun 2015,

    Bank Sinarmas mengambil inisiatif semangat

    budaya orang makassar yang disiplin,

    ulet, serta kuat dalam memegang prinsip.

    Penerapan semangat budaya ini dilakukan

    guna mewujudkan visi “Menjadi Bank

    terkemuka di Indonesia dengan jaringan

    distribusi yang terintegrasi dan layanan yang

    prima” serta menjadi Bank modern dengan

    tetap memegang teguh nilai-nilai bangsa,

    dan budaya Bank.

    Bank Sinarmas senantiasa bekerja keras

    membangun dan mempertahankan

    reputasi dengan mengokohkan komitmen

    untuk kepuasan nasabah, salah satunya

    melalui peningkatan sumber daya manusia.

    Kesetiaan terhadap profesi di bidang ini,

    kami buktikan dengan menghasilkan dan

    memberikan pelayanan berkualitas terbaik

    bagi nasabah. Kini saatnya Bank Sinarmas

    memantapkan langkah dan menyongsong

    tantangan yang membentang dengan penuh

    percaya diri.

    The combination of Indonesia’s three

    traditional dances bears an insightful

    philosophy. By adopting the philosophy

    contained within, the Bank grows

    dynamically to meet the need of the

    customers and market.

    In promoting the philosophy of the nation’s

    cultural and art values, Bank Sinarmas

    presents the theme of “Developing through

    Transformation” which depicts the vision

    and mission of the company and the Bank’s

    goal to become the “Payment & Transaction

    Bank” by performing transformation in HR

    and IT fields.

    We have been engaged in the banking

    industry for more than 26 years. Bank

    Sinarmas continues to implement the spirit

    of Indonesian culture that becomes the main

    strength in providing the best service to all

    customers. In 2015, Bank Sinarmas took the

    initiative of cultural spirit of Makassar people

    who are disciplined, determined and strong

    in holding the principles. The implementaiton

    of this spirit culture is conducted to realize

    the vision of “Becoming the leading Bank

    in Indonesia with an integrated distribution

    network and prime services” as well as

    modern Bank that continues to uphold the

    nations’ value and the Bank’s culture.

    Bank Sinarmas continues to work hard in

    building and maintaining the reputation by

    strengthening the commitment to customer

    satisfaction, one of which is through the

    improvement of human capital. We prove the

    loyalty to the profession in this field is proven

    by producing and giving hte best quality

    service to our customers. It is time for Bank

    Sinarmas to strengthen the step and embrace

    the challenges ahead with confidence.

  • Daftar IsiTable of Contents

    KILAS KINERJA 2015FLASHBACK PERFORMANCE OF 2015

    PROFIL PERUSAHAANCOMPANy PROFILE

    LAPORAN MANAJEMENMANAgEMENT REPORT

    12 Ikhtisar Keuangan

    Financial Highlights

    14 Ikhtisar Saham

    Share Highlights

    15 grafik Informasi Saham

    Share Information graphs

    46 Identitas Perusahaan

    Corporate Identity

    48 Sekilas Bank Sinarmas

    Bank Sinarmas in Brief

    50 Visi dan Misi

    Vision and Mission

    51 Etos Kerja

    Work Ethos

    54 Bidang Usaha

    Business Lines

    68 Struktur Organisasi Bank Sinarmas

    Organization Structure of Bank

    Sinarmas

    70 Profil Dewan Komisaris

    Board of Commissioners Profile

    16 Informasi Mengenai Obligasi,

    Sukuk, atau Obligasi Konversi

    Information on Bonds, Sukuk, or

    Convertion Bonds

    16 Peristiwa Penting 2015

    2015 Event Highlights

    18 Penghargaan dan Sertifikasi

    Awards and Certifications

    73 Profil Direksi

    Board of Directors Profile

    81 Manajemen Senior

    Senior Management

    82 Struktur grup Perusahaan

    Company group Structure

    84 Komposisi Pemegang Saham

    Share Composition

    85 Informasi Pemegang Saham Utama

    dan Pengendali

    Information of Major and Controlling

    Shareholders

    86 Kronologi Pencatatan Saham

    Sharelisting Chronology

    1 Tentang Laporan Tahunan Bank Sinarmas 2015

    About The 2014 Annual Report of Bank Sinarmas

    2 Kesinambungan Tema Laporan Tahunan Bank

    Sinarmas (2013-2014)

    Theme Continuity of Annual Reports of Bank

    Sinarmas (2013-2015)

    7 Penyajian Informasi dalam Laporan Tahunan Bank

    Sinarmas 2015

    Information on The Presentation of 2015 Annual

    Report of Bank Sinarmas

    8 Jejak Langkah

    Milestones

    22 Laporan Dewan Komisaris

    Board of Commissioners Report

    30 Laporan Direksi

    Board of Directors Report

    87 Kronologi Pencatatan Efek Lainnya

    Other Securities Listing Chronology

    87 Informasi Anak Perusahaan dan

    Perusahaan Asosiasi

    Information on Subsidiaries and

    Associates

    88 Lembaga Profesi Penunjang Pasar

    Modal

    Capital Market Supporting Institutions

    89 Jaringan, Peta Operasional, dan

    Alamat Kantor

    Network, Operational Map, and Office

    Addresses

    ANALISIS DAN PEMBAHASAN MANAJEMENMANAgEMENT DISCUSSION AND ANALySIS

    119 Tinjauan Umum Ekonomi global

    global Economic Overview

    120 Tinjauan Umum Ekonomi Indonesia

    Indonesia’s Economic Overview

    122 Tinjauan Industri Perbankan

    Banking Industry Overview

    124 Outlook 2016

    Outlook 2016

    127 Tinjauan Operasional Per Segmen

    Usaha

    Operational Overview Per Business

    Segment

    140 Analisis dan Pembahasan Kinerja

    Keuangan

    Financial Performance Discussion and

    Analysis

  • TINJAUAN UNIT-UNIT BISNISOVERVIEW OF BUSINESS UNITS

    191 Sumber Daya Manusia

    Human Resources

    205 Teknologi Informasi

    Information Technology

    210 Unit Usaha Syariah

    Sharia Business Unit

    210 Profil Unit Usaha Syariah PT.

    Bank Sinarmas Tbk.

    Profile of Sharia Business Units

    PT. Bank Sinarmas Tbk.

    210 Visi, Misi dan Nilai Sharia

    Vision, Mission and Sharia Value

    211 Jejak Langkah

    Milestone

    214 Dewan Pengawas Syariah (DPS)

    Sharia Supervisory Board

    161 Target dan Realisasi 2015 serta

    Proyeksi Keuangan 2016

    Target and Realization in 2015 and

    Financial Projection in 2016

    161 Target 2016

    2016 Target

    162 Kemampuan Membayar Utang dan

    Tingkat Kolektibilitas Piutang

    Solvency and Collectability Rate

    162 Komitmen dan Kontijensi

    Commitment and Contingency

    163 Struktur Modal Dan Kebijakan

    Manajemen Atas Struktur Modal

    Capital Structure and Management

    Policy on Capital Structure

    165 Kepemilikan Saham Karyawan

    Employee Share Ownership

    166 Ikatan yang Material untuk Investasi

    Barang Modal

    Material Commitment for Capital

    goods Investment

    166 Realisasi Barang Modal

    Capital goods Realization

    215 Tugas dan Tanggung Jawab

    Dewan Pengawas Syariah

    Duties and Responsibilities of

    Sharia Supervisory Board

    215 Penyelenggaraan Rapat Dewan

    Pengawas Syariah

    Sharia Supervisory Board

    Meetings

    217 Aspek Pengungkapan/

    Transparansi Mengenai DPS

    Disclosure/Transparency Aspect

    of Sharia Supervisory Board

    217 Direktur Unit Usaha Syariah

    Sharia Business Unit Director

    223 Komite Di Bawah Direksi UUS

    Committees Under Board of

    Director

    166 Informasi dan Fakta Material yang

    Terjadi Setelah Tanggal Laporan

    Akuntan

    Material Information and Fact

    Subsequent to Balance Sheet Date

    166 Kontribusi Kepada Negara

    Contribution to the Country

    167 Informasi Material Mengenai Investasi,

    Ekspansi, Divestasi, Restrukturisasi

    Utang/Modal

    Material Information On Investments,

    Expansion, Divestments, Capital/Debt

    Restructuring

    167 Informasi Transaksi Material yang

    Mengandung Benturan Kepentingan

    dan Transaksi dengan Pihak Afiliasi

    Information on Material Transaction

    Containing Conflict of Interest and

    Transaction with Affiliated Parties

    167 Kebijakan Suku Bunga Bank Sinarmas

    Bank Sinarmas Interest Rate Policy

    168 Aspek Pemasaran

    Marketing Aspects

    225 Tinjauan Operasi Per Segmen

    Usaha

    Operational Review Per Business

    Segment

    234 Kinerja Keuangan

    Financial Performance

    237 Tata Kelola Perusahaan

    good Corporate governance

    248 Tanggung Jawab Sosial

    Perusahaan

    Corporate Social Responsibility

    249 Manajemen Risiko

    Risk Management

    170 Kebijakan Dividen

    Dividend Policy

    171 Realisasi Dana Hasil Penawaran Umum

    Use of Proceeds from Public Offering

    171 Perubahan Peraturan Perundang-

    undangan yang Berpengaruh

    Changes in the Regulations with

    Significant Impact

    177 Perubahan Kebijakan Akuntansi

    Change In Accounting Policies

    180 Prospek Usaha

    Business Outlook

    181 Business Continuity Management

    Business Continuity Management

    183 Informasi Kelangsungan Usaha

    Information on Business Continuity

    184 Strategi yang Telah Ditempuh pada

    2015 dan Strategi Ke Depan

    Strategies That Have Been Taken in

    2015 and Future Strategies

    TATA KELOLA PERUSAHAANgOOD CORPORATE gOVERNANCE

    325 Dasar Penerapan Tata Kelola

    Perusahaan

    Basis of Corporate governance

    Implementation

    326 Prinsip-Prinsip Tata Kelola

    Corporate governance Principles

    329 Implementasi Tata Kelola

    Corporate governance Implementation

    330 Tahapan Implementasi Tata Kelola

    Phase of governance Implementation

    331 Penilaian Tata Kelola

    Corporate governance Assessment

    332 Penghargaan gCg Bank Sinarmas

    Bank Sinarmas gCg Award

    333 Struktur Dan Mekanisme Tata Kelola

    Structure and Mechanism of

    Corporate governance

    334 Penerapan Tata Kelola dan

    Manajemen Risiko Terintegrasi

    Implementation of governance and

    Integrated Risk Management

    335 Rapat Umum Pemegang Saham (RUPS)

    general Meeting of Shareholderds

    (gMS)

    353 Dewan Komisaris

    Board of Commissioners

    365 Komisaris Independen

    Independent Commissioner

    367 Direksi

    Board of Directors

  • 498 Surat Pernyataan Anggota Dewan Komisaris

    dan Direksi Tentang Tanggung Jawab atas

    Laporan Tahunan 2015 PT. Bank Sinarmas Tbk.

    Statement of Members of Board of

    Commissioners and Board of Directors on the

    Responsibility for the 2015 Annual Report of

    PT. Bank Sinarmas Tbk.

    398 Rapat gabungan Dewan Komisaris

    Dengan Direksi

    Joint Meeting of Board of

    Commissioners and Board of Directors

    403 Hubungan Kerja Dewan Komisaris dan

    Direksi

    Work Relations of Board of

    Commissioners and Board of Directors

    404 Assessment Dewan Komisaris dan

    Direksi

    Assessment of Board of

    Commissioners and Board of Directors

    405 Kebijakan dan Prosedur Penetapan

    Remunerasi Dewan Komisaris dan

    Direksi

    Policies and Procedures to Determine

    Remuneration for Board of

    Commissioners and Board of Directors

    407 Kebijakan Keberagaman Dewan

    Komisaris dan Direksi

    Diversity Policy of Board of

    Commissioners and Board of Directors

    408 Komite-Komite Di Bawah Dewan

    Komisaris

    Committees Under The Board of

    Commissioners

    409 Komite Audit

    Audit Committee

    416 Komite Pemantau Risiko

    Risk Monitoring Committee

    424 Komite Remunerasi dan Nominasi

    Remuneraion and Nomination

    Committee

    432 Komite Tata Kelola Terintegrasi

    Integrated good Corporate

    governance Committee

    439 Komite-Komite Di Bawah Direksi

    Committees Under Board of Directors

    438 Asset & Liability Management

    Committee

    Asset & Liability Management

    Committee

    440 Komite Kredit Korporasi

    Corporate Credit Committee

    440 Komite Information Technology

    Information Technology Committee

    442 Komite Manajemen Risiko

    Risk Management Committee

    443 Komite Human Capital Management

    Human Capital Management

    Committee

    444 Satuan Kerja Audit Internal (SKAI)

    Internal Audit Unit

    450 Satuan Kerja Manajemen Risiko

    (SKMR)

    Risk Management Work Unit

    452 Satuan Kerja Kepatuhan (SKK)

    Compliance Work Unit

    463 Sekretaris Perusahaan

    Corporate Secretary

    468 Akuntan Publik

    Public Accountant

    469 Sistem Pengendalian Internal

    Internal Control System

    471 Perkara Penting yang Dihadapi Bank

    Sinarmas

    Legal Cases Faced by Bank Sinarmas

    472 Unit Legal

    Legal Unit

    473 Buy Back Shares dan Buy Back Obligasi

    Bank

    Shares Buy Back and Bonds Buy Back

    474 Kode Etik dan Budaya Perusahaan

    Code Of Conduct And Corporate

    Culture

    479 Pakta Integritas

    Integrity Pact

    479 Kepatuhan Terhadap Pajak

    Tax Compliance

    479 Kebijakan Anti Korupsi

    Anti-Corruption Policy

    480 Praktik Bad Corporate governance

    Bad Corporate governance Practice

    480 Strategi Anti Fraud, Sistem

    Pemantauan Fraud, dan Fraud Respon

    Plan

    Anti Fraud Strategy, Fraud Monitoring

    System and Fraud Response Plan

    483 Sistem Pelaporan Pelanggaran

    Whistleblowing System

    487 Akses Informasi dan Data Perusahaan

    Information Access and Corporate

    Data

    TANggUNg JAwAB SOSIAL PERUSAHAANCORPORATE SOCIAL RESPONSIBILITy

    LAPORAN KEUANgAN KONSOLIDASICONSOLIDATED FINANCIAL STATEMENT

    491 Filosofi, Dasar Kebijakan, dan Sasaran

    Strategis Program Tanggung Jawab

    Sosial Perusahaan

    Philosophy, Policy Basis and

    Strategic Target of Corporate Social

    Responsibility Programs

    493 Tanggung Jawab Sosial Perusahaan

    Dalam Bidang Lingkungan Hidup dan

    Pelestarian Alam

    Corporate Social Responsibility to

    Environment and Nature Conservation

    494 Tanggung Jawab Sosial Perusahaan

    Dalam Bidang Ketenagakerjaan,

    Kesehatan, Dan Keselamatan Kerja

    Corporate Social Responsibility In

    Manpower And Occupational Health

    And Safety

    495 Tanggung Jawab Pengembangan

    Sosial dan Kemasyarakatan

    Responsibility in Social and Community

    Development

    402 Tanggung Jawab Sosial Perusahaan

    Dalam Bidang Tanggung Jawab

    Terhadap Nasabah

    Corporate Social Responsibility to the

    Customers

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 7

    Penyajian Informasi dalam Laporan

    Tahunan Bank Sinarmas 2015

    Presentation of Information for 2015 Annual Report of Bank Sinarmas

    Penyusunan Laporan Tahunan Bank Sinarmas merujuk pada

    ketentuan-ketentuan yang berlaku mengenai penyajian

    keterbukaan informasi yang harus disampaikan dalam Laporan

    Tahunan yang terdiri dari beberapa bab, sebagai berikut:

    Menyajikan berbagai informasi umum

    mengenai Bank Sinarmas, yang meliputi

    sejarah pendirian Bank Sinarmas,

    Visi dan Misi, Pemegang Saham

    dan Komposisi Kepemilikan Saham,

    berbagai penghargaan yang diterima

    oleh Bank Sinarmas, hingga Peta

    Operasional. Selain informasi umum,

    terdapat laporan Dewan Komisaris dan

    Direksi.

    Menyajikan informasi mengenai

    penerapan tata kelola perusahaan

    yang diimplementasikan Bank

    Sinarmas secara lengkap dan

    menyeluruh sesuai dengan

    Pedoman Umum gCg oleh KNKg. Menyajikan deskripsi analisis atas kinerja

    Bank Sinarmas yang meliputi tinjauan

    industri perbankan, tinjauan bisnis, tinjauan

    operasional, tinjauan keuangan, termasuk

    aspek pemasaran yang terdiri dari strategi

    pemasaran dan pangsa pasar.

    Provide various general information

    regarding Bank Sinarmas,

    encompassing the history of Bank

    Sinarmas’ establishment, Vision and

    Mission, Shareholders and Share

    Ownership Composition, awards

    received by the Bank, as well as the

    Operational Map. In addition to

    the general information, there will

    also be Reports from the Board of

    Commissioners and Board of Directors.

    Provide detailed and

    comprehensive information on

    the implementation of corporate

    governance by Bank Sinarmas in

    accordance with Code of gCg

    issued by KNKg. Provide analysis of performance of Bank

    Sinarmas which encompasses

    banking industry overview, business overview,

    operational overview, financial overview,

    as well as marketing aspects which include

    marketing strategy and market share.

    PROFIL PERUSAHAAN

    COMPANy PROFILE

    ANALISIS DAN PEMBAHASAN

    MANAJEMEN ATAS KINERJA

    BANK SINARMAS

    MANAgEMENT DISCUSSION AND

    ANALySIS ON THE PERFORMANCE

    OF BANK SINARMAS

    TATA KELOLA PERUSAHAAN

    CORPORATE gOVERNANCE

    Bank Sinarmas Annual Report is drawn up according to the

    prevailing regulations on the presentation of information that

    must be disclosed in the Annual Report, which consists of

    several chapters, namely:

    #1#2 #3

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.8

    Jejak Langkah

    Milestones

    1989 1993 1994

    2005

    1995 1996

    1998

    The Company was first established under the name of Bank Shinta Indonesia.

    The Company was appointed as a Tax Collection Bank by the Minister of Finance.

    The Company established a branch office in Surabaya.

    The Company obtained additional fund to increase its paid-in capital to Rp50 billion.

    The Company obtained Foreign Exchange Bank Status.

    The Company established the first branch office inBandung.

    Perusahaan pertama kali didirikan dengan nama Bank Shinta Indonesia.

    Menerima status sebagai Bank Persepsi (bank pembayaran pajak) dari Menteri Keuangan.

    • PTSinarMasMultiarthaTbk dan PT Shinta Utama menjadi pemegang saham mayoritas dengan tujuan membawa Perusahaan menjadi salah satu bank terkemuka dan terpercaya.

    • PergantianlogoBankSinarmas.

    • PT.SinarmasMultiarthaTbk and PT. Shinta Utama became major sharehoålders, bringing with them their goals in making the Bank into one of the best professional banks in the country.

    • TheBank’slogowaschanged.

    Perusahaan mendirikan kantor cabang di Surabaya.

    Mendapatkan penambahan Modal Disetor menjadi Rp50 miliar.

    Menjadi Bank Umum Devisa.

    Perusahaan mendirikan kantor cabang di Bandung.

    2006

    • PerubahanNamadariPTBankShintaIndonesia menjadi PT. Bank Sinarmas.

    • Pendirian10(sepuluh)kantorbaruyaitu Medan, Jambi, Pekanbaru, yogyakarta, Semarang, Cirebon, Makassar, Manado, Bumi Serpong Damai Jakarta, dan Denpasar.

    • ThenamechangedfromPTBankShinta Indonesia to PT Bank Sinarmas.

    • TheCompanyestablished10(ten)new branch offices in Medan, Jambi, Pekanbaru, yogyakarta, Semarang, Cirebon, Makassar, Manado, Bumi Serpong Damai Jakarta, and Denpasar

    • TheCompanyestablished 40 (forty) new branch offices.

    • BankSinarmasobtained an award from InfoBank magazine due to the “Excellent” financial performance of the Bank’s in 2006.

    • Pendirian40(empatpuluh) kantor baru.

    • BankSinarmasmendapat penghargaan dari majalah Info Bank dengan predikat ”Sangat Bagus” atas kinerja keuangan 2006.

    2007

    The Company opened 22 (twenty two) new branch offices.

    Pembukaan 22 (dua puluh dua) kantor baru.

    2008

    • TheCompanyopened18(eighteen)newbranchoffices.

    • ObtainedlicenseforestablishingShariaBusinessUnit, based on the Decision of the Deputy governor of Bank Indonesia No. 11/13/KEP. Dpg/2009 on the granting of Permit of Sharia Business Unit of PT Bank Sinarmas.

    • PT.BankSinarmasTbk.hadbeenapprovedby Bappebti as a Bank for Margin Savings, Compensation Fund, and guarantee Fund services.

    • TheCompanyobtainedapprovalfromBapepamtoconduct Trustee Service.

    • Pembukaan18(delapanbelas)kantorbaru.• MendapatkanIjinuntukPendirian

    Unit Usaha Syariah (UUS), berdasarkan Keputusan Deputi gubernur Bank Indonesia No. 11/13/KEP. Dpg/2009 Tentang Pemberian Izin Usaha Unit Usaha Syariah (UUS) PT Bank Sinarmas.

    • PT.BankSinarmasTbk.telahdisahkanolehBappebti sebagai Bank Penyimpan Margin, Dana Kompensasi dan Dana Jaminan.

    • PengesahandariBapepamkepadaPT.BankSinarmas Tbk. untuk melakukan kegiatan usaha Wali Amanat.

    2009

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 9

    • TheBankchangedits company’s status by going Public.

    • TheCompanyopened 14 (fourteen) new branch offices.

    • Perubahanstatusbank menjadi perusahaan go public.

    • Pembukaan14(empat belas) kantor baru.

    2010

    • TheCompanyexercisedSeriesIWarrant; thus, increasing public shares of PT. Bank Sinarmas Tbk. to 40%.

    • TotalbranchofficesofPT.BankSinarmas Tbk. in this year were 220 branch offices spread over 1078 cities in Indonesia.

    • TheCompanylaunchedthetaglineofWe Always Care.

    • PelaksanaanExercise Waran Seri I, sehingga meningkatkan saham publik di PT. Bank Sinarmas Tbk. menjadi 40%.

    • JumlahKantorPT.BankSinarmasTbk.sebanyak 220 kantor yang tersebar di 107 kota di Indonesia.

    • Peluncurantag line We Always Care.

    2011 2012

    • TheCompanyexecutedRightIssueI (PUT I); thus, increasing the paid-in capital to Rp1,028 billion.

    • TheCompanyincreasedthenumberof its branch offices to 265 offices spread over 120 cities in Indonesia.

    • MelakukanPenawaranUmumTerbatas I (PUT I), sehingga menjadikan penambahan modal disetor menjadi Rp1.028 miliar.

    • Menambahjumlahkantormenjadi265 yang tersebar 120 kota di Indonesia.

    The Company increased the number of its branch offices to 380 offices spread across Indonesia.

    Penambahan jumlah jaringan kantor menjadi 380 yang tersebar diseluruh Indonesia.

    2013 2014

    Aksi korporasi Penerbitan Saham Baru Tanpa Hak Memesan Efek Terlebih Dahulu (non HMETD), sebanyak 896.535,414 saham baru BSIM dengan harga Rp270 per saham dan total mencapai Rp242 miliar.

    Through the corporate action of Rights Issue without the issuance of preemptive rights (Non-HMETD), the Company obtained two new shareholders, Asia Value Investments Pte. Ltd and Clark Quay Investment Corporation Pte Ltd. Both investors acquired 444,44 million of BSIM new shares with the price of Rp270 per share, reaching the total amount of Rp242 billion.

    2015

    • BankSinarmasmenandatanganiperjanjian kerjasama Bank Administrator Rekening Dana Nasabah dan Bank Pembayaran Periode 2015-2019.

    • PelaksanaanProgramJangkau,Sinergi,dan guideline atau Jaring 2015.

    • BankSinarmassignedagreementwithBank Administrator Rekening Dana Nasabah dan Bank Pembayaran for the Period of 2015-2019.

    • ImplementedProgramJangkau,Sinergi, and guideline or Jaringan 2015.

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.10

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 11

    Kilas Kinerja 20152015 Flashback Performance

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.12

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Uraian 2015 2014 2013 Description

    LAPORAN LABA RUgI / STATEMENTS OF INcOME

    Pendapatan Bunga Bersih 1.331.183 987.625 826.360 Net Interest Revenues

    Pendapatan di luar Bunga 446.237 251.106 275.230 Non Interest Revenues

    Pendapatan Operasional 1.777.420 1.238.731 1.101.590 Operating Revenues

    Beban Operasional 1.538.467 1.037.836 815.274 Operating Expenses

    Laba Sebelum Pajak 238.953 200.895 286.316 Income Before Tax

    Laba Bersih 185.153 154.932 221.273 Net Income

    Jumlah Laba Komprehensif 486.604 164.072 226.791 Total Comprehensive Income

    Laba Bersih per Saham (dalam Rupiah penuh) Earning per Share

    Dasar 13,15 11,73 17,88 Basic

    Dilusian 12,95 11,43 16,51 Diluted

    LAPORAN POSISI KEUANgAN / STATEMENT OF FINANcIAL POSITION

    Jumlah Aset 27.868.688 21.259.549 17.447.455 Total Assets

    Aset Produktif 23.254.817 17.753.945 14.162.578 Earning Assets

    Dana Pihak Ketiga 22.357.131 16.946.231 13.819.061 Third Party Fund

    Jumlah Ekuitas 3.669.611 3.164.114 2.753.444 Total Equity

    RASIO KEUANgAN / FINANcIAL RATIOS

    Permodalan Equity

    Pemenuhan modal minimum 14,37% 18,38% 21,82% Capital Adequancy Ratio (CAR)

    Aset tetap terhadap modal 41,44% 28,36% 28,04% Fixed Assets to Total Equity

    Aset Produktif Earning Assets

    Aset produktif bermasalah 3,65% 2,33% 1,88% Non Performing productive assets

    Kredit bermasalah (NPL)-bruto 3,95% 3,00% 2,50% Non-Performing Loan (NPL) - gross

    Kredit bermasalah (NPL)-neto 2,99% 2,56% 2,12% Non-Performing Loan (NPL) - net

    PPAP-CKPN terhadap aset produktif

    1,01% 0,46% 0,39% Provision to Earning Assets

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

    Rentabilitas Profitability

    Laba terhadap total aset (ROA) 0,95% 1,02% 1,71% Return on Assets (ROA)

    Laba terhadap ekuitas (ROE) 6,46% 5,72% 9,23% Return on Equity (ROE)

    Marjin bunga bersih 5,77% 5,87% 5,23% Net Interest Margin (NIM)

    Biaya operasional/Pendapatan operasional (BOPO)

    91,67% 94,54% 88,50%Operational Expenses/Operational

    Income

    Dalam jutaan Rupiah / In million Rupiah

    Ikhtisar Keuangan

    Financial Highlights

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 13

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    Uraian 2015 2014 2013 Description

    Likuiditas Liquidity

    Kredit terhadap dana yang dihimpun (LDR)

    78,04% 83,88% 78,72% Loans to Deposit Ratio (LDR)

    Kepatuhan Compliance

    Presentase pelanggaran BMPK - - -Percentage of Legal Lending Limit

    Violation

    Pihak terkait Nil Nil Nil Related Parties

    Pihak tidak terkait Nil Nil Nil Non Related Parties

    Presentase pelampauan BMPKPercentage of Legal Lending Limit

    Excess

    Pihak terkait Nil Nil Nil Related Parties

    Pihak tidak terkait Nil Nil Nil Non Related Parties

    giro wajib minimum (Rupiah) 8,23% 8,64% 9,37%Minimum Balance with Bank

    Indonesia (Rupiah)

    Posisi devisa neto 1,44% 0,18% 0,75% Net Open Position

    2013 20132013

    20132013 2013

    50.000

    100.000

    400.000300.000

    150.000

    800.000600.000

    5.000.000

    200.000

    1.200.000900.000

    10.000.000

    250.000

    1.600.0001.200.000

    15.000.00024.000.000 4.000.000

    18.000.000 3.000.000

    12.000.000 2.000.000

    6.000.000 1.000.000

    2.000.0001.500.000

    20.000.00030.000.000 5.000.000

    2014 20142014

    20142014 2014

    2015 20152015

    20152015 2015

    987.

    625

    1.33

    1.18

    3

    154.

    932

    185.

    153

    1.23

    8.73

    1

    1.77

    7.42

    0

    16.9

    46.2

    31

    22.3

    57.1

    31

    21.2

    59.5

    49

    27.8

    68.6

    88

    3.16

    4.11

    4

    3.66

    9.61

    1

    826.

    360 2

    21.2

    73

    1.10

    1.59

    013

    .819

    .061

    17.4

    47.4

    55

    2.75

    3.44

    4

    PENDAPATAN BUNgA BERSIHNET INTEREST REVENUES

    LABA BERSIHNET INCOME

    PENDAPATAN OPERASIONALOPERATINg REVENUES

    DANA PIHAK KETIgATHIRD PARTy FUND

    JUMLAH ASETTOTAL ASSETS

    JUMLAH EKUITASTOTAL EQUITy

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.14

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Triwulan Quarter

    BulanMonth

    Kurs (Rg)Exchange Rate

    Peredaran Saham di Pasar RegulerShare Circulation in Regular Market Jumlah Saham

    TercatatAmount of Listed

    Share

    Kapitalisasi PasarCapitalization Market

    TertinggiHigh

    TerendahLow

    PenutupanEnd

    VolumeNilaiValue

    FrekuensiFrequency

    (Rp) (Rp) (Rp) (Unit) (Rp) (X)

    Ikhtisar Saham

    Share Highlights

    I

    JanuariJanuary

    375 290 347 10.682.900 3.855.893.700 3.398 13.903.608.424 4.824.552.123.128

    FebruariFebruary

    395 300 393 12.303.100 4.550.263.400 1.148 13.905.473.124 5.464.850.937.732

    MaretMarch

    410 370 406 16.326.900 6.601.832.200 470 13.917.979.566 5.650.699.703.796

    II

    April April

    410 380 400 11.363.300 4.571.209.500 367 13.930.336.186 5.572.134.474.400

    MeiMay

    405 375 385 5.379.500 2.151.042.100 308 13.936.123.688 5.365.407.619.880

    JuniJune

    400 350 375 2.310.500 867.672.900 871 13.940.080.831 5.227.530.311.625

    III

    Juli July

    399 370 385 1.240.100 464.498.300 709 13.940.388.331 5.367.049.507.435

    AgustusAugust

    400 365 370 10.655.600 3.944.601.400 390 13.941.459.431 5.158.339.989.470

    SeptemberSeptember

    500 370 490 13.772.500 6.480.124.700 912 13.949.089.731 6.835.053.968.190

    IV

    OktoberOctober

    490 440 485 4.888.000 2.364.269.200 224 13.952.767.022 6.767.092.005.670

    NovemberNovember

    487 431 450 10.881.800 5.150.091.900 292 13.967.258.027 6.285.266.112.150

    DesemberDecember

    445 431 394 260.800 105.903.800 100 14.007.435.804 5.518.929.706.776

    I

    JanuariJanuary

    253 235 250 6.540.700 1.613.786.900 301 12.985.531.698 3.246.382.924.500

    FebruariFebruary

    255 249 250 8.023.700 2.006.327.700 269 12.985.531.698 3.246.382.924.500

    MaretMarch

    252 236 252 2.458.800 614.726.400 120 12.987.589.702 3.272.872.604.904

    II

    April April

    275 250 274 5.125.400 1.343.830.000 302 12.987.589.702 3.558.599.578.348

    MeiMay

    275 269 270 6.070.100 1.639.435.700 490 12.989.113.102 3.507.060.537.540

    JuniJune

    284 270 280 8.675.000 2.416.926.900 4.139 13.001.180.935 3.640.330.661.800

    III

    Juli July

    285 262 284 58.073.300 16.259.632.300 2.738 13.003.797.135 3.693.078.386.340

    AgustusAugust

    284 272 280 2.054.500 573.540.600 864 13.003.797.135 3.641.063.197.800

    SeptemberSeptember

    288 271 283 7.661.000 2.160.996.000 3537 13.895.104.424 3.932.314.551.992

    IV

    OktoberOctober

    284 263 275 495.300 134.387.200 206 13.895.104.424 3.821.153.716.600

    NovemberNovember

    280 240 270 1.708.500 461.212.000 876 13.895.104.424 3.751.678.194.480

    DesemberDecember

    339 273 339 17.003.000 5.116.973.300 5990 13.895.104.424 4.710.440.399.736

    PERIODE JANUARI - DESEMBER 2015 / 2015 JANUARy - DEcEMBER PERIOD

    PERIODE JANUARI - DESEMBER 2014 / 2014 JANUARy - DEcEMBER PERIOD

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 15

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    gRAFIK VOLUME PERDAgANgAN / TRADINg VOLUME gRAPH

    60.000.000

    50.000.000

    40.000.000

    30.000.000

    20.000.000

    10.000.000

    Grafik Informasi Saham

    Share Information Graphs

    gRAFIK HARgA SAHAM / SHARE PRIcE gRAPH

    500

    400

    300

    200

    100

    0

    347

    393 406 400 385 375 370

    490 485450

    394385

    250 250 252274 270 280 284 280 283 275 270

    339

    Q1 Q2 Q3 Q4

    gRAFIK KAPITALISASI PASAR / MARKET cAPITALIZATION gRAPH

    8.000.000

    7.000.000

    6.000.000

    5.000.000

    2.000.000

    3.000.000

    4.000.000

    1.000.000

    0

    4.824.552

    5.464.850 5.650.699 5.572.134 5.365.407 5.227.530 5.158.339

    6.835.053 6.767.0926.285.266

    5.518.9295.367.049

    3.246.382 3.246.382 3.272.8723.558.599 3.507.060 3.640.330 3.693.078 3.641.063

    3.932.314 3.821.153 3.751.678 4.710.440

    Q1 Q2 Q3 Q4

    0

    10.682.900 12.303.10016.326.900

    11.363.300

    5.379.5002.310.500

    10.655.60013.772.500

    4.888.000

    10.881.800

    260.8001.240.1002.458.8005.125.400 6.070.100

    8.675.000

    58.073.300

    2.054.500

    7.661.000

    495.300 1.708.500

    17.003.000

    20142015

    6.540.700 8.023.700

    Q1 Q2 Q3 Q4

    Dalam jutaan / In million

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.16

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Informasi Mengenai Obligasi,

    Sukuk, atau Obligasi Konversi

    Information on Bonds, Sukuk, or Convertion Bonds

    Bank Sinarmas belum menerbitkan obligasi, sukuk atau

    obligasi konversi sehingga informasi mengenai hal tersebut

    tidak dapat ditampilkan dalam laporan tahunan ini.

    Bank Sinarmas merayakan

    Hari Ulang Tahun yang ke

    27 tahun / Bank Sinarmas

    celebrated the 27th Birthday..

    Penandatangan nota kesepahaman

    implementasi master repurchase

    agreement syariah / The signing of

    memorandum of understanding on

    implementation of sharia master

    repurchase agreement.

    Bank Sinarmas

    menandatangani

    perjanjian kerjasama Bank

    Administrator Rekening

    Dana Nasabah dan Bank

    Pembayaran Periode 2015-

    2019 / Bank Sinarmas signed

    cooperation agreement on

    Bank Administrator Rekening

    Dana Nasabah dan Bank

    Pembayaran for the period of

    2015-2019.

    grand Launching KCP green Office

    Park 6 Wing A - ground Floor, BSD

    Tangerang

    Penyelenggaran Rapat Umum Pemegang

    Saham Tahunan di Sinar Mas Land Plaza,

    Tower 2, Lantai 39 Jakarta / Implementation

    of Annual general Meeting of Shareholders

    in Sinar Mas Land Plaza, Tower 2, 39th Floor,

    Jakarta.

    Bank Sinarmas has not issued any bond, sukuk, or converted

    bond so that such information cannot be presented in this

    annual report.

    Peristiwa Penting 2015

    2015 Event Highlights

    31March

    02July

    10July

    09June

    12June

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 17

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    Peresmian Pembukaan Temu Kreatif

    Nasional 2015 dan Peresmian

    Indonesia Convention Exihibition BSD

    City / Inauguration of the Opening

    of Temu Kreatif Nasional 22015 and

    Inauguration of Indonesia Convention

    Exhibition BSD City.

    Kunjungan Menteri

    perindustrian bersama Presiden

    Direktur Bank sinarmas /

    Visitation from the Minister of

    Industry with President Director

    of Bank Sinarmas.

    Penghargaan reward front liner

    / Reward front liner award.

    Bank Sinarmas menjadi

    sponsorship Piala Presiden / Bank

    Sinarmas became a sponsor for

    Piala Presiden.

    gold Champion of Indonesia

    WOW Brand 2015, category

    Saving Account (Buku I+II)

    Bancassurance Cooperation SIMPOL

    Medical antara PT Asuransi Jiwa Sinarmas

    dengan PT. Bank Sinarmas Tbk. /

    Bancassurance Cooperation SIMPOL

    Medical between PT Asuransi Jiwa

    Sinarmas and PT. Bank Sinarmas Tbk.

    Pelaksanaan

    Program Jangkau,

    Sinergi, dan

    Guideline atau

    Jaring 2015 /

    Implementation of

    Program Jangkau,

    Sinergi, dan

    guideline or Jaring

    2015.

    04Augu

    st01Augu

    st12Augu

    st

    09

    September

    10

    September

    29

    September

    13

    November

    12

    December

    Kegiatan CSR bersama

    Panti asuhan Santo yusuf,

    bertempat di Cipanas, Cianjur

    / CSR activities held in Santo

    yusuf Orphanage, located in

    Cipanas, Cianjur.

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.18

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Manajemen memberikan apresiasi dan terima kasih atas

    sumbangsih yang diberikan oleh seluruh karyawan Bank

    Sinarmas, sehingga pada tahun 2015 berhasil memperoleh

    penghargaan, antara lain:

    1. golden Trophy sebagai Bank dengan Predikat Sangat

    Bagus atas Kinerja Keuangan Tahun 2010 - 2014, oleh

    Infobank.

    2. Unit Usaha Syariah dengan Predikat Sangat Bagus atas

    Rating Institusi Keuangan Syariah Tahun 2014, oleh

    InfoBank.

    3. gold Champion of Indonesia WOW Brand 2015.

    Category: Saving Account - Conventional Bank (BUKU I+II)

    4. Silver Champion of Indonesia WOW Brand 2015.

    Category: Time Deposit - Conventional Bank (BUKU I+II)

    5. The Champion of Bandung WOW Service Excellence

    Award. Category: Conventional Bank (BUKU I+II)

    6. The Best Champion of Balikpapan WOW Service Excellent

    Award. Category: Conventional Bank (BUKU I+II)

    7. The Champion of Medan WOW Service Excellent Award.

    Category: Conventional Bank (BUKU I+II)

    8. The Champion of Semarang WOW Service Excellent

    Award. Category: Conventional Bank (BUKU I+II)

    9. The Champion of Pontianak WOW Service Excellent

    Award. Category: Conventional Bank (BUKU I+II)

    10. Peringkat I good Corporate governance. Category: Buku

    II Aset Rp10 Triliun s/d Rp25 Triliun oleh Economic Review

    11. Peringkat I Corporate Communication. Category: Buku II

    Aset Rp10 Triliun s/d Rp25 Triliun oleh Economic Review

    12. Peringkat II Information Technology. Category: Buku II

    Aset Rp10 Triliun s/d Rp25 Triliun oleh Economic Review

    13. Peringkat II Corporate Social Responsibility. Category:

    Buku II Aset Rp10 Triliun s/d Rp25 Triliun oleh Economic

    Review

    14. Peringkat II Risk Management. Category: Buku II Aset

    Rp10 Triliun s/d Rp25 Triliun oleh Economic Review

    15. Peringkat II Marketing. Category: Buku II Aset Rp10 Triliun

    s/d Rp25 Triliun oleh Economic Review.

    Management extends its sincere appreciation and gratitude

    for contribution from all employees of Bank Sinarmas, thus in

    2015 we achieved various awards, namely:

    1. golden Trophy as Bank with Excellent Predicate for

    Financial Performance in 2010-2014, by Infobank.

    2. Sharia Business Unit with Excellent Predicate for Sharia

    Financial Institution Rating in 2014, by Infobank.

    3. gold Champion of Indonesia WOW Brand 2015,

    Category: Saving Account - Conventional Bank (BUKU I+II)

    4. Silver Champion of Indonesia WOW Brand 2015,

    Category: Time Deposit - Conventional Bank (BUKU I+II)

    5. The Champion of Bandung WOW Service Excellence

    Award, Category: Conventional Bank (BUKU I+II)

    6. The Best Champion of Balikpapan WOW Service Excellent

    Award, Category: Conventional Bank (BUKU I+II)

    7. The Champion of Medan WOW Service Excellent Award.

    Category: Conventional Bank (BUKU I+II)

    8. The Champion of Semarang WOW Service Excellent

    Award. Category: Conventional Bank (BUKU I+II)

    9. The Champion of Pontianak WOW Service Excellent

    Award. Category: Conventional Bank (BUKU I+II)

    10. 1st Rank good Corporate governance. Category: Buku

    II Assets of Rp10 Trillion to Rp25 Trillion by Economic

    Review

    11. 1st Rank Corporate Communication. Category: Buku

    II Assets of Rp10 Trillion to Rp25 Trillion by Economic

    Review

    12. 2nd Rank Information Technology. Category: Buku II Assets

    of Rp10 Trillion to Rp25 Trillion by Economic Review

    13. 2nd Rank Corporate Social Responsibility. Category: Buku

    II Assets of Rp10 Trillion to Rp25 Trillion by Economic

    Review

    14. 2nd Rank Risk Management. Category: Buku II Assets of

    Rp10 Trillion to Rp25 Trillion by Economic Review

    15. 2nd Rank Marketing. Category: Buku II Assets of Rp10

    Trillion of Rp25 Trillion by Economic Review.

    Penghargaan dan Sertifikasi

    Awards and Certifications

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 19

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    3

    1 2

    5

    8

    14

    11

    7

    13

    10

    6

    9

    15

    12

    4

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.20

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 21

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    Laporan ManajemenManagement Report

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.22

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Laporan Dewan Komisaris

    Board of Commissioners Report

    Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.22

    KILAS KINERJA 2015FLASHBACK PERFORMANCE

    OF 2015

    PROFIL PERUSAHAAN

    COMPANy PROFILE

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    MANAgEMENT DISCUSSION AND ANALySIS

    LAPORAN MANAJEMEN

    MANAgEMENT REPORT

    Komisaris Utama

    President Commissioner

    Tjendrawati Widjaja

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 23

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    Para Pemegang Saham dan Pemangku

    Kepentingan yang Terhormat,

    Dear Honorable Shareholders and Stakeholders,

    Sepanjang tahun 2015, terdapat berbagai

    hal yang telah kami laksanakan sebagai

    bagian dari tugas dan tanggung jawab

    Dewan Komisaris. Sesuai Anggaran

    Dasar, Dewan Komisaris telah melakukan

    pengawasan dan pemberian saran terhadap

    kebijakan pengurusan dan jalannya

    pengelolaan Bank yang dilakukan oleh

    Direksi. Melalui laporan tahunan ini, Dewan

    Komisaris akan memaparkan secara singkat

    perkembangan ekonomi 2015, penilaian

    terhadap kinerja Direksi, penerapan tata

    kelola perusahaan yang baik atau Good

    Corporate Governance (gCg), penilaian

    terhadap komite-komite di bawah Dewan

    Komisaris, serta prospek usaha Bank

    Sinarmas ke depan.

    PENILAIAN ATAS KINERJA DIREKSITahun 2015 merupakan tahun yang

    penuh tantangan bagi industri perbankan

    nasional begitu juga dengan Bank Sinarmas.

    Walaupun demikian, Perseroan tetap

    dapat membukukan laba bersih sebesar

    Rp185 miliar pada akhir tahun 2015. Nilai

    tersebut mengalami pertumbuhan sebesar

    19,51% dibandingkan tahun sebelumnya.

    Throughout 2015, there are several things

    that we have completed as part of our

    duties and responsibilities as the Board of

    Commissioners. According to the Articles

    of Association, the Board of Commissioners

    has supervised the Board of Directors’ bank

    management policy and its implementation,

    as well as given them advice on it.

    Through this annual report, the Board of

    Commissioners will briefly describe the 2015

    economic development, its assessment

    on the Board of Directors’ performance,

    the implementation of good corporate

    governance, the assessment of committees

    under the Board of Commissioners, and

    business outlook of Bank Sinarmas.

    ASSESSMENT ON PERFORMANcE OF BOARD OF DIREcTORS 2015 is the year bristling with challenges for

    both national banking industry and Bank

    Sinarmas itself. Despite this, we remained

    capable of recording a consolidated net

    income of Rp185 billion at the end of 2015,

    which grew by 19.51% or Rp30 billion

    compared to the previous year. Total fixed

    assets rose by Rp27,869 billion, grew Total

    Laporan Dewan Komisaris

    Board of Commissioners Report

    laba bersih

    19,51%

    net income

    Bank Sinarmas

    sepanjang

    2015 di bawah

    kepemimpinan

    Direksi saat ini

    berjalan dengan

    sangat baik.

    Throughout 2015,

    Bank Sinarmas’

    performance

    under the Board of

    Directors’ leadership

    has run very well.

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.24

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Jumlah aset bertumbuh sebesar Rp6.609 miliar atau 31,09%

    dibandingkan tahun sebelumnya yang sebesar Rp21.260 miliar

    naik menjadi Rp27.869 miliar.

    Pada tahun 2015, pertumbuhan kredit Bank Sinarmas sebesar

    22,44% melambat jika dibandingkan dengan pertumbuhan

    pada tahun 2014 yang sebesar 30,39%, namun masih berada

    jauh di atas rata-rata industri perbankan yang tumbuh sebesar

    10,40%. Pertumbuhan kredit Perseroan didominasi oleh

    kredit MSME yang bertumbuh sebesar 103,44% dari tahun

    2014. Sementara rasio Non Performing Loan (NPL) gross

    Bank pada akhir tahun 2015 tercatat sebesar 3,95% naik

    0,95% dibandingkan pada akhir tahun 2014 yang sebesar

    3,00%. Penurunan kualitas kredit merupakan dampak dari

    melemahnya pertumbuhan ekonomi Indonesia di tahun 2015

    sehingga terjadi penurunan kualitas pada beberapa debitur,

    selain itu Perseroan juga berinisiatif merestruktur beberapa

    debitur yang memiliki potensi bermasalah dan menghitung

    kembali pencadangan yang diperlukan.

    Sepanjang tahun 2015, Bank Sinarmas terus melakukan

    kegiatan-kegiatan marketing dan promosi serta melakukan

    inovasi dalam mengembangkan produk dan layanan

    perbankan, seperti tabungan Simas Diamond dan

    penambahan fitur-fitur pada layanan mobile banking. Usaha

    yang dilakukan Manajemen Perseroan mampu meningkatkan

    penghimpunan simpanan masyarakat (Dana Pihak Ketiga/

    DPK), yang bertumbuh sebesar 31,93% dari Rp16.946 miliar

    di tahun 2014 menjadi Rp22.357 miliar di tahun 2015.

    Dengan pencapaian tersebut, Dewan Komisaris menilai bahwa

    pengurusan kinerja Bank Sinarmas sepanjang tahun 2015 di

    bawah kepemimpinan Direksi saat ini berjalan dengan sangat

    baik. Di sisi lain, agar Direksi dapat meningkatkan kinerja yang

    lebih baik lagi, Dewan Komisaris telah memberikan beberapa

    rekomendasi agar Bank Sinarmas bersaing secara optimal

    dengan kompetitor lain. Dewan Komisaris juga menyarankan

    agar Bank Sinarmas dapat lebih kreatif dan inovatif dalam

    memberikan layanan dan produk perbankan kepada

    masyarakat.

    assets grew by Rp6,609 billion or 31.09% compared to

    Rp21,260 billion, which increased to Rp277,869 billion.

    In 2015, Bank Sinarmas’ credit growth was 22.44%, which

    decreased compared to that of 2014 at 30.39%, yet still

    above average of banking industry’s growth at 10.40%. The

    Company’s credit growth was largely contributed by MSMEs

    credit which increased by 103.44% from 2014. Meanwhile,

    the gross Non Performing Loan ratio at the end of 2015 was

    recorded at 3.95%, grew by 0.95% compared to the end of

    2014 at 3.00%. The decrease of credit quality was the impact

    of Indonesia’s economic slowdown in 2015, which led to a

    declining performance of several debtors. In addition, the

    Company also took the initiative to restructure its debtors that

    could potentially cause troubles and to calculate again the

    reserves needed.

    Throughout 2015, Bank Sinarmas continues to conduct

    marketing activities and promotion, as well as develop

    banking products and services, such as Simas Diamond savings

    and the additional features in mobile banking service. The

    effort conducted by the Company’s management is able to

    increase the public’s savings (Third Party Fund/DPK), which

    grew by 31.93% from Rp16,946 billion in 2014 to Rp22,357

    billion in 2015.

    With such accomplishment, the Board of Commissioners

    observes that during 2015, the management of Bank

    Sinarmas’ performance under the Board of Directors’

    leadership has run very well. Furthermore, to help the Board

    of Directors increase its performance even better, the Board

    of Commissioners has provided several recommendations to

    enhance Bank Sinarmas’ competitive power a level higher

    than its competitors. Bank Sinarmas can be more creative and

    innovative in providing services and banking products to the

    public.

    Laporan Dewan Komisaris

    Board of Commissioners Report

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 25

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    Dewan Komisaris juga akan senantiasa menjalankan fungsi

    pengawasan dan pemberian saran yang diperlukan terhadap

    proses pengelolaan Bank. Peran Dewan Komisaris dalam

    proses pengelolaan Bank yang baik antara lain dilakukan

    dengan fokus terhadap implementasi sistem manajemen risiko

    dan Good Corporate Governance yang akan mendorong

    pertumbuhan kinerja bisnis.

    PANDANgAN ATAS PROSPEK USAHAPerlambatan ekonomi Indonesia yang mencapai 4,79% di

    tahun 2015 merupakan level terendah dalam 5 tahun terakhir.

    Pertumbuhan ekspor masih tertahan akibat permintaan

    global yang masih lemah dan terus menurunnya harga

    komoditas. Perbaikan ekonomi domestik ditopang oleh

    belanja pemerintah dan investasi. Sementara sektor konsumsi

    yang menyumbangkan porsi terbesar stagnan di level 5%, di

    tengah indikasi adanya penurunan tabungan dan pendapatan

    yang dapat dibelanjakan. Kebijakan moneter yang ketat untuk

    menjaga kestabilan arus modal aset di tengah meningkatnya

    risiko global yang lebih disebabkan oleh normalisasi kebijakan

    moneter ketat Amerika Serikat (AS) dan perlambatan ekonomi

    Tiongkok turut menurunkan pertumbuhan kredit perbankan

    di tengah masih lemahnya investasi swasta yang ditunjukkan

    oleh menurunnya kinerja perusahan-perusahaan, khususnya

    yang berbasis komoditas. Namun, jatuhnya harga minyak

    dunia telah membuka peluang pemangkasan harga BBM yang

    akan berimplikasi dengan penurunan tingkat inflasi sehingga

    membuka ruang pemangkasan BI rate di tahun 2016, hal

    ini akan sangat positif khususnya bagi industri perbankan

    dan perekonomian secara umum. Paket kebijakan ekonomi

    pemerintah untuk relaksasi investasi dan reformasi regulasi

    yang akan memudahkan dan mempercepat baik proses

    birokasi dan kepastian bisnis dapat menjadi strategi kunci

    untuk pertumbuhan industri dan ekonomi yang lebih baik di

    tahun 2016.

    Melihat prospek usaha industri perbankan Indonesia di tahun

    2016 tersebut, Bank Sinarmas berusaha sebaik-baiknya untuk

    meraih setiap peluang dan potensi yang tercipta, khususnya

    untuk segmen korporat dan retail. Dengan keunggulan

    kompetitif yang dimiliki oleh Bank Sinarmas, Dewan Komisaris

    optimis bahwa prospek usaha di masa yang akan datang akan

    semakin cemerlang

    The Board of Commissioners will also continue to perform

    supervisory and advisory functions that are necessary in the

    Bank’s management process. Effective role of the Board

    of Commissioners in the Bank’s management process is

    conducted by dedicating its focus on carrying out risk

    management system and good corporate govenrance that will

    help spur business performance growth.

    VIEw ON BUSINESS PROSPEcTSIndonesia’s economic growth reached 4.79% in 2015 is

    the lowest level in the past 5 years. Export growth was still

    restrained due to weak global demand and the falling of

    commodity prices. Domestic economic recovery was supported

    by government’s spending and investment. Meanwhile,

    consumption sector that contributed the largest to gDP

    was stagnant at the level of 5% as there were indicators of

    declining amount of savings and revenue for spending. Strict

    monetary policy to maintain the stability of asset capital flow

    amid the rising global risks that were caused largely by the

    normalisation of US monetary policy and China’s economic

    downturn, also decreased banking credit growth amid

    weak private investment. This was shown by the declining

    performance of companies, especially those engaged in

    commodity sectors. However, the falling of oil prices have

    opened opportunity to cut fuel price that would lead to the

    decline of inflation rate. Thus, BI rate decreased in 2016. This

    will positively affect banking industry and the overall economy.

    The government’s economic policy package for investment

    relaxation and regulation reformation that will ease and

    accelerate beaurocracy and business certainty can become the

    key strategy to increasing industry and economy growth in

    2016.

    Viewing Indonesia’s banking industry business outlook in

    2016, Bank Sinarmas strived to capture every opportunity

    and potential, especially corporate and retail segments.

    With competitive edge that Bank Sinarmas has, the Board of

    Commissioners is optimistic about its brighter outlook in the

    future.

    Laporan Dewan Komisaris

    Board of Commissioners Report

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.26

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Seiring dengan perbaikan pertumbuhan ekonomi nasional,

    kinerja industri perbankan juga akan semakin baik.

    Menghadapi masa mendatang, Direksi telah menyusun

    prospek usaha ke depan guna meraih dan menciptakan

    peluang bisnis yang lebih baik antara lain dengan:

    • MengembangkanprogramLayananKeuanganTanpa

    Kantor Dalam Rangka Keuangan Inklusif (Laku Pandai)

    Bank Sinarmas melalui perekrutan agent banking.

    • Meningkatkanportofoliokreditmikromelaluiprogram

    KUR.

    • Melakukancross selling, antara lain kepada debitur-debitur

    KUR, terhadap produk dan layanan perbankan lainnya.

    Dewan Komisaris berpandangan bahwa prospek usaha

    yang telah disusun oleh Direksi sebagaimana yang tertuang

    dalam Rencana Bisnis Bank, secara garis besar, sudah

    mempertimbangkan potensi-potensi bisnis beserta risiko, juga

    selaras dengan arah dan tujuan perusahaan. Hal ini didukung

    kondisi perekonomian nasional dan perkembangan bisnis

    industri perbankan yang semakin kondusif.

    PENERAPAN TATA KELOLA DAN MANAJEMEN RISIKO PERUSAHAANSepanjang tahun 2015, Dewan Komisaris melakukan tugas

    pengawasan terhadap kebijakan manajemen, mekanisme

    kepengurusan dan operasional Bank yang dijalankan oleh

    Direksi serta memberikan masukan dan arahan kepada Direksi

    mengenai kinerja yang sedang dijalankan. Berdasarkan

    evaluasi atas kinerja operasional di tahun pelaporan, Dewan

    Komisaris mengamanatkan kepada Direksi untuk terus

    memperkuat posisi modal, meningkatkan kualitas dan

    kompetensi sumber daya manusia serta memperkuat jaringan

    dan pengembangan teknologi informasi. Kami senantiasa

    mengarahkan dan mendukung agar Direksi melakukan

    berbagai inovasi guna meraih pangsa pasar yang lebih luas.

    Dewan Komisaris sangat menyadari pula bahwa implementasi

    gCg menjadi suatu elemen penting dalam mencapai kinerja

    perusahaan yang berkelanjutan. Oleh karena itu, penerapan

    gCg menjadi perhatian utama bagi Dewan Komisaris dalam

    menjalankan fungsi pengawasan dan pemberian saran kepada

    Direksi.

    In line with the improvement of national economic growth,

    banking industry’s performance will also get better. In

    anticipating the future, the Board of Directors has developed

    business prospects for the future to seize and create better

    business opportunities by, among others:

    • DevelopBranchlessServiceforInclusiveFinancialActivities

    (Laku pandai) of Bank Sinarmas through recruitment of

    banking agent.

    • IncreasemicrocreditportfoliothroughKUR(People’sSmall

    Business Loan) program.

    • Conductcrossselling,amongotherstoKURdebtorsand

    other products and services.

    The Board of Commissioners views that business outlook

    prepared by the Board of Directors, as stated in the Bank’s

    Business Plan, has considered business and risk potentials and

    is already in line with the company’s direction and objectives.

    This is supported by national economic conditions and a more

    conducive banking industry business.

    IMPLEMENTATION OF cORPORATE gOVERNANcE AND RISK MANAgEMENTThroughout 2015, the Board of Commissioners has supervised

    the management policy and mechanism, as well as operations

    of the Bank that the Board of Directors perform. The Board

    of Commissioners has also provided its insights and advices

    to the Directors regarding the tasks they do. Based on the

    evaluation of the operational performance in the reporting

    year, the Board of Commissioners mandates the Board of

    Directors to increase the quality and competency of human

    resources as well as strengthen the network and information

    technology. We continue to direct and support the Board of

    Directors to create a wide range of innovations to enrich its

    market share portfolio.

    The Board of Commissioners also fully realizes the importance

    of gCg implementation as one critical element to achieve

    sustainable performance. On that basis, the Board of

    Commissioners pays high attention to the application gCg

    in supervising the activities of the Board of Directors and in

    providing them any advices.

    Laporan Dewan Komisaris

    Board of Commissioners Report

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 27

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    Laporan Dewan Komisaris

    Board of Commissioners Report

    Sejalan dengan semangat yang tertuang dalam Peraturan

    Bank Indonesia No. 8/14/PBI/2006 serta Surat Edaran Bank

    Indonesia No. 15/15/DPNP/tanggal 29 April 2013 perihal

    Pelaksanaan Good Corporate Governance bagi Bank Umum,

    Bank Sinarmas telah melakukan penilaian sendiri (self

    assessment) atas pelaksanaan gCg. Pada tahun 2015, Bank

    Sinarmas memperoleh nilai assessment pelaksanaan gCg

    sebesar 2 atau dalam kategori BAIK.

    Dewan Komisaris berpendapat bahwa pada tahun 2015,

    Direksi telah menerapkan gCg dengan sangat efektif dan

    konsisten. Penerapan gCg di lingkungan Bank Sinarmas

    menjadi suatu mekanisme yang mengatur hubungan Bank

    dengan seluruh pemangku kepentingan secara transparan,

    akuntabel, bertanggung jawab, independen dan adil. Direksi

    telah menjalankan seluruh prinsip gCg dengan memberikan

    informasi yang komprehensif bagi seluruh pemangku

    kepentingan.

    Terkait pengelolaan risiko, Dewan Komisaris senantiasa

    mendorong manajemen untuk semakin intensif dalam

    upaya meningkatkan mitigasi risiko melalui Enterprise Risk

    Management (ERM) secara terintegrasi, sehingga risiko

    yang dihadapi dapat diubah menjadi peluang peningkatan

    usaha. Selain itu, Dewan Komisaris juga terus mengawasi

    dengan seksama pengelolaan risiko yang dilaksanakan Direksi

    dengan dukungan dari komite yang relevan, pengelolaan

    risiko yang bijak dan melibatkan seluruh risk owner dalam

    upaya memitigasi risiko utama guna menghindari kejadian

    risiko yang fatal dan dapat menjamin keberlangsungan usaha

    Perseroan dalam jangka panjang.

    PENILAIAN ATAS KINERJA KOMITE-KOMITE yANg BERADA DI BAwAH DEwAN KOMISARIS

    Dalam rangka melakukan pengawasan dan pemberian saran

    secara aktif kepada Direksi, termasuk pelaksanaan Rencana

    Bisnis Bank, Dewan Komisaris dibantu komite-komite di

    bawah Dewan Komisaris yang meliputi Komite Audit, Komite

    Pemantau Risiko, Komite Remunerasi dan Nominasi, serta

    pembentukan Komite Tata Kelola Terintegrasi yang dibentuk

    menjelang akhir tahun 2015.

    To reflect the spirit stated in the Bank Indonesia Regulation

    No. 8/14/PBI/2006 and Circular Letter of Bank Indonesia

    No. 15/15/DPNP/tanggal April 29, 2013 concerning the

    Implementation of good Corporate governance for

    Commercial Bank, Bank Sinarmas has conducted self-

    assessment on the implementation of gCg. Bank Sinarmas’

    Self-Assessment of gCg result at semester I and II in 2015

    earned the second rank, in the category “gOOD”.

    The Board of Commissioners views that in 2015, the Board

    of Directors has effectively and consistently implemented

    gCg. The implementation of gCg at Bank Sinarmas’

    environment has transformed to a mechanism that regulates

    the relationship of the Bank with the stakeholders in a

    trasnparent, accountable, responsible, independent and fair

    manner. The Board of Directors has applied all principles

    of gCg by providing comprehensive information to all

    stakeholders.

    Pertaining to risk management, the Board of Commisioners

    continues to encourage the management to more intesively

    increase risk mitigation through an integrated Enterprise Risk

    Management (ERM) so as to translate the risks into business

    growth opportunities. In addition, the Board of Commissioners

    also continues to carefully supervise risk management

    conducted by the Board of Directors with the support from

    the relevant committees on the risk management. Wise

    risk management that involves the participation of all risk

    owners in the context of mitigating key risks will keep Bank

    Sinarmas away from fatal risks and help it ensure its business

    sustainability in the long term.

    ASSESSMENT ON THE PERFORMANcE OF cOMMITTEES UNDER THE BOARD OF cOMMISSIONERSIn actively supervising the Board of Directors and giving

    them advices, including in overseeing the Bank’s Business

    Plan, the Board of Commissioners is assisted by committees

    under the Board of Commissioners which consist of the Audit

    Committee, Risk Monitoring Committee, Remuneration and

    Nomination Committee, and good Corporate governance

    Committee.

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.28

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Tjendrawati Widjaja

    Dewan KomisarisBoard of Commissioners

    Rusmin Sammy Kristamuljana Komisaris Independen

    Independent Commissioner

    Komisaris Independen

    Independent Commissioner

    Komisaris Utama

    President Commissioner

    Laporan Dewan Komisaris

    Board of Commissioners Report

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 29

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    Selama tahun 2015, komite-komite tersebut telah

    menjalankan tugas dengan baik dan telah memberikan

    kontribusi besar terhadap pertumbuhan Bank Sinarmas.

    Implementasi program kerja serta fungsi masing-masing

    komite yang tepat, senantiasa mendukung tugas dan

    tanggung jawab Dewan Komisaris. Melalui komite-komite

    yang berada di bawah Dewan Komisaris, kami senantiasa

    mendorong penerapan standar tata kelola yang baik secara

    menyeluruh di setiap aktivitas Bank, serta memperkuat fungsi-

    fungsi komite demi mendorong tercapainya sistem perbankan

    yang sehat.

    PERUBAHAN KOMPOSISI DEwAN KOMISARISSepanjang tahun 2015, Bank Sinarmas tidak melakukan

    perubahan komposisi anggota Dewan Komisaris.

    PENUTUPDewan Komisaris optimis bahwa Bank Sinarmas akan mampu

    terus meningkatkan kinerja dengan bekerja keras serta

    menerapkan prinsip-prinsip gCg secara konsisten. Dewan

    Komisaris mengamanatkan agar Direksi dan karyawan dapat

    bekerjasama dengan segenap pemangku kepentingan

    guna mempersembahkan pelayanan prima sesuai dengan

    kebutuhan nasabah.

    Dewan Komisaris mengucapkan terima kasih kepada Direksi

    serta segenap karyawan Bank Sinarmas atas dedikasi dan kerja

    keras yang telah ditunjukkan sepanjang tahun 2015. Kepada

    segenap mitra kerja dan seluruh pemangku kepentingan

    lainnya, kami juga menyampaikan penghargaan yang setinggi-

    tingginya.

    Terima kasih.

    Throughout 2015, the committee has conducted its duties

    well and has provided significant contribution to the growth

    of Bank Sinarmas. The proper implementation of work

    program and function of each committee can always support

    the duties and responsibilities of the Board of Commissioners.

    Through the committees under the Board of Commissioners,

    we continue to encourage the implementation of good

    corporate governance structure standard across the Bank’s

    activities as we strengthen the functions of the committee to

    encourage the implementation of a healthy banking system.

    cHANgES IN THE cOMPOSITION OF BOARD OF cOMMISSIONERSThroughout 2015, Bank Sinarmas did not change the

    composition of members of the Board of Commissioners.

    cLOSINgThe Board of Commissioners is optimistic that Bank Sinarmas

    will be able to continuously improve its performance as it

    works hard and consistently applies the gCg principles. The

    Board of Commissioners mandates that the Board of Directors

    and employees cooperate with all stakeholders to deliver

    prime services to meet the needs of the customers.

    The Board of Commissioners extends its gratitude to the Board

    of Directors and all employees of Bank Sinarmas for their

    dedication and hard work during 2015. We also express our

    highest appreciation to all working partners and stakeholders.

    Thank you.

    Tjendrawati widjaja

    Komisaris Utama / President Commissioner

    Laporan Dewan Komisaris

    Board of Commissioners Report

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.30

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Laporan Direksi

    Board of Directors Report

    Pertama-tama kami panjatkan puji syukur kepada Tuhan yang

    Maha Esa atas karunia yang luar biasa sepanjang tahun. Atas

    nama Direksi, perkenankan saya melaporkan kinerja Perseroan

    untuk tahun buku 2015.

    Sepanjang tahun 2015, perkembangan industri perbankan

    merupakan tema besar yang menjadi fokus perhatian utama

    kami dalam rangka meningkatkan pertumbuhan bisnis.

    Untuk memenuhi kebutuhan pasar dan dinamika yang terjadi

    kami meresponsnya dengan memberikan pelayanan terbaik

    dengan dukungan sumber daya manusia yang kompeten

    dan profesional serta teknologi informasi terkini. Selain itu,

    Perseroan menyediakan produk dan layanan yang sesuai

    dengan kebutuhan nasabah.

    Untuk menyampaikan pencapaian kinerja selama tahun 2015,

    izinkan kami menyajikannya dalam bentuk Laporan Tahunan

    sebagai salah satu wujud pertanggungjawaban Direksi kepada

    pemegang saham dan seluruh pemangku kepentingan

    lainnya. Selain itu, sebagai bagian dari penerapan prinsip-

    prinsip tata kelola perusahaan yang baik.

    PERKEMBANgAN EKONOMI 2015Sepanjang 2015, perekonomian global masih diselimuti

    ketidakpastian. Ekonomi dunia hanya tumbuh 3,10% atau

    lebih rendah dari tahun 2014 sebesar 3,40%. Tekanan

    terus berlanjut seiring dengan perlambatan ekonomi di

    China. Hal ini berdampak terhadap ekonomi domestik

    terutama pada kinerja ekspor. Ekonomi nasional pada tahun

    2015 tumbuh 4,8%, turun dibanding tahun 2014 sebesar

    5,02%. Perlambatan ini berdampak pada turunnya daya beli

    masyarakat dan memengaruhi dunia bisnis, termasuk industri

    perbankan.

    First and foremost, let us extend our gratitude to god the

    Almighty for showering us His abundant blessings during this

    year. On behalf of the Board of Directors, allow me to report

    the Company’s performance for 2015 fiscal year.

    Throughout 2015, the development of banking industry is

    the main theme of our focus of attention in improving and

    maintaining business growth. To meet market demand and

    address current dynamics, we strive to deliver the best service

    with the support of professional human resources and the

    latest information technology. In addition, the Company

    also provides products and services that is suitable with the

    customers’ needs.

    To report performance achievements the Company attained

    this year, allow us to present it in the form of Annual Report

    as one of the forms of the Board of Directors’ accountability

    to all shareholders and stakeholders. In addition, as part of the

    implementation of good corporate governance principles.

    2015 EcONOMIc DEVELOPMENTThe lingering global economic uncertainties continued during

    2015. The world’s economic growth only grew by 3.10% or

    lower than 3.40% in 2014. The pressure continued as China’s

    economy was sagging. This affected domestic economic

    performance, especially export activity. National economy in

    2015 rose by 4.8%, which decreased compared to 5.02% in

    2014. This slowdown led to the declining purchasing power

    of the people and have an effect to business world, including

    banking industry.

    Pemegang Saham yang Kami Hormati,

    Dear Honorable Shareholders,

    KILAS KINERJA 2015FLASHBACK PERFORMANCE

    OF 2015

    PROFIL PERUSAHAAN

    COMPANy PROFILE

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    MANAgEMENT DISCUSSION AND ANALySIS

    LAPORAN MANAJEMEN

    MANAgEMENT REPORT

    Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.30

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 31

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respOnsiBility

    TINJAUAN UNIT-UNIT BISNIS

    OVERVIEW OF BUSINESS UNITS

    TATA KELOLA PERUSAHAAN

    gOOD CORPORATE gOVERNANCE

    LAPORAN KEUANgAN KONSOLIDASI

    CONSOLIDATED FINANCIAL STATEMENT

    TANggUNg JAwAB SOSIAL PERUSAHAAN

    CORPORATE SOCIAL RESPONSIBILITy

    Annual Report 2015 | PT. BANK SINARMAS Tbk. 31

    Direktur Utama

    President Director

    Freenyan Liwang

  • Laporan Tahunan 2015 | PT. BANK SINARMAS Tbk.32

    KILAS KINERJA 2015Flashback PerFormance

    oF 2015

    PROFIL PERUSAHAAN

    comPany ProFile

    ANALISIS DAN PEMBAHASAN MANAJEMEN

    management Discussion anD analysis

    LAPORAN MANAJEMEN

    management rePort

    Di sektor keuangan, secara umum hingga akhir tahun 2015,

    kondisi Bank Umum Konvensional (BUK) berdasarkan data

    Otoritas Jasa Keuangan (OJK) masih terjaga baik, meskipun

    terdapat penurunan pertumbuhan aset dan Dana Pihak Ketiga

    (DPK). Total aset perbankan nasional menurun 2,1% (qtq),

    sejalan dengan penurunan pada penghimpunan DPK sebesar

    1,14% (qtq).

    Namun demikian, kredit yang disalurkan perbankan nasional

    bertumbuh 2,55% (qtq).Tekanan di pasar keuangan domestik

    hingga akhir tahun 2015 terpantau berkurang, seiring

    meredanya ketidakpastian terkait kenaikan Fed Funds Rate.

    Pasar saham dan Surat Berharga Negara (SBN) membukukan

    penguatan, sementara volatilitas nilai tukar Rupiah cenderung

    mereda. Pergerakan nilai tukar Rupiah juga cenderung

    menguat pada akhir tahun 2015, yang ditopang oleh

    meredanya ketidakpastian terkait kenaikan Fed Funds Rate

    dan perbaikan persepsi risiko domestik.Kepastian kenaikan

    Fed Funds Rate pada Desember 2015, membuat pergerakan

    nilai tukar Rupiah relatif stabil, hal ini menunjukkan bahwa

    pasar telah memperhitungkan kebijakan tersebut (sumber :

    www.ojk.go.id).

    Sementara itu, laporan kebijakan moneter Bank Indonesia

    pada akhir tahun 2015 menjelaskan bahwa pertumbuhan

    kredit hingga akhir tahun 2015 masih menunjukkan tren

    yang menurun dan tercatat sebesar 10,45% (yoy). Kondisi

    perbankan tetap terjaga di tengah tingginya risiko yang

    berpotensi menggangu stabilitas sistem keuangan, namun

    ketahanan permodalan masih memadai dengan rasio

    kecukupan modal (Capital Adequacy Ratio/CAR) yang masih

    tinggi sebesar 21,2%, jauh di atas ketentuan minimum yakni

    sebesar 8% (sumber : www.bi.go.id).

    ANALISIS ATAS KINERJA BANK PADA 2015

    Kebijakan Strategis

    Pada tahun 2015, kami berupaya seoptimal mungkin dalam

    menghadapi tantangan yang ada dalam industri perbankan

    nasional. Kami juga telah menerapkan berbagai kebijakan

    strategis dalam pengembangan penghimpunan dana, strategi

    Laporan Direksi

    Board of Directors Report

    In the financial sector and generally until the end of 2015, the

    condition of Conventional Commercial Bank (BUK) remained

    stable, as referred to data from the Financial Services Authority

    (OJK), even though there was a decrease in the asset and

    Third Party Fund (DPK) growths. Total assets of the national

    banking declined 2.1% (qtq), in line with the decrease of DPF

    fund of 1.14% (qtq).

    Nevertheless, credit disbursed by national banks rose by

    2.55% (qtq). The pressure on the domestic financial market

    at the end of 2015 reduced as the issue of the increasing Fed

    Funds Rate was resolved. Share market and the government

    Bonds were strengthening, along with the declining volatility

    of the Rupiah exchange rate. The movement of Rupiah

    exchange rate also strengthened at the end of 2015 as the

    issue of the increasing Fed Funds Rate was resolved and the

    perception of domestic risk improved. The increase of the Fed

    Funds Rate that had been officially announced in December

    2015 further made the Rupiah exchange rate movement go

    more stable. This shows that the market has calculated such

    policy (http://ojk.go.id).

    Meanwhile, according to the monetary policy report of Bank

    Indonesia at the of 2015, it is stated that the credit growth at

    the end of 2015 still indicated a declining trend at 10.45%

    (yoy). Banking performance remained under control despite

    such condition that is so risky that it can disrupt the financial

    system stability. yet, the capital structure remained strong

    with high capital adequacy ratio (CAR) of 21.2%, far above

    the minimum threshold of 8% (http://bi.go.id).

    ANALySIS ON THE BANK’S PERFORMANcE IN 2015Strategic Policies

    We strived to optimally anticipate any challenges in the

    national banking industry in 2015. We have also implemented

    various strategic policies in developing the collection of third

    party fund, credit financing strategy, as well as increasing the

  • Annual Report 2015 | PT. BANK SINARMAS Tbk. 33

    Tinjauan uniT-uniT Bisnis

    Overview Of Business units

    TaTa KELOLa PERusaHaan

    GOOd COrpOrate GOvernanCe

    LaPORan KEuangan KOnsOLidasi

    COnsOlidated finanCial statement

    Tanggung jawaB sOsiaL PERusaHaan

    COrpOrate sOCial respO