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1Laporan TahunanAnnual Report2013

Daftar IsiTable of Contents

Visi, Misi dan Nilai - NilaiVision, Missions, and Core ValuesIkhtisar KeuanganFinancial Highlight A. Sekilas Perusahaan A. Company in Brief B. Penghargaan dan Pencapaian sampai dengan 2013 B. Awards and Achievement up to 2013Kata Pengantar Direktur UtamaMessage From President DirectorStrategi BisnisBusiness StrategyAnalisa KeuanganFinancial ReviewTransparansi Laporan KeuanganTransparency of Financial Statement

Laporan KepatuhanCompliance ReportPenerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan TerorismeThe Implementation Of Anti-Money Laundering And Combating Financing Of Terrorism Program Laporan Audit InternInternal Audit ReportLaporan KomiteCommittee Report Laporan Sumber Daya ManusiaHuman Resources ReportPengungkapan Permodalan serta Pengungkapan Eksposur Risiko dan Penerapan Manajemen RisikoDisclosure on Capital and Risk Exposure as well as Risk Management ImplementationLaporan Teknologi InformasiInformation Technology Report

Laporan Manajemen / Management Report

Tata Kelola Perusahaan / Good Corporate Governance

Profil Perusahaan / Company Profile

Penerapan Tata Kelola PerusahaanImplementation of Good Corporate Governance

Struktur OrganisasiOrganization StructureProfil Dewan KomisarisBoard of Commissioners ProfileProfil DireksiBoard of Directors ProfileProfil Pejabat EksekutifExecutive Officers ProfileProfil Anggota KomiteMembers of Committee ProfileProduk dan JasaProducts and ServicesInformasi Pemegang SahamShareholders InformationInformasi PerusahaanCorporate Information

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2 Laporan TahunanAnnual Report 2013

Visi, Misi, dan Nilai - NilaiVision, Missions, and, Core Values

VisiVision

MisiMissions

Nilai-NilaiCore Values

Menjadi Bank yang paling disukai, terpercaya, serta terdepan di IndonesiaMost preferred, trusted and leading bank in Indonesia

• Integritas• Berorientasi pada nasabah• Tanggung jawab dan Pelaksanaan• Inovasi• Saling menghargai dan Percaya• Kepemimpinan• Kerjasama

• Integrity• Customer Oriented• Responsibility and Execution• Innovation• Respect and Trust• Leadership• Teamwork

• Memberikan layanan yang unggul serta solusi kepada nasabah• Menciptakan nilai bagi para pemegang saham melalui pertumbuhan usaha yang berkesinambungan• Memberikan kesempatan berkembang serta penghargaan kepada setiap karyawan

profesional• Memberikan sumbangsih serta berkembang bersama dengan masyarakat Indonesia• To provide excellent services and solution to our customer• To create shareholders value through sustainable business growth• To provide growth opportunity and reward to each professional employee• To contribute and grow together with Indonesian society

“Komitmen Kami Untuk menjadi Bank Terbaik di Indonesia.”

“Our Commitment to be the best Bank in Indonesia”


Ikhtisar KeuanganFinancial Highlights

Dalam Miliar Rupiah

Laporan Laba Rugi Komprehensif

Rasio Keuangan

Laporan Posisi Keuangan

Jumlah Aset

Kredit yang Diberikan

Penempatan pada Bank Indonesia

dan Bank Lain

Dana Pihak Ketiga

Pinjaman yang Diterima

Jumlah Ekuitas

Pendapatan Bunga Bersih

Pendapatan Operasional Selain Bunga

Beban Operasional

(Kerugian) / Pembalikan Penurunan

Nilai Aset Produktif

Laba Sebelum Pajak

Laba Bersih

ROA

ROE

NIM

Beban Operasional terhadap

Pendapatan Operasional (BOPO)

Kewajiban Penyediaan Modal Minimum

(KPMM)

NPL Gross

NPL Neto

LDR

Posisi Devisa Neto (PDN)

Giro Wajib Minimum (GWM) Rupiah

Giro Wajib Minimum (GWM) Valuta Asing

Total Assets

Loans

Placement with Bank Indonesia

and Other Banks

Third Party Funds

Fund Borrowings

Total Equity

Net Interest Income

Other Operating Income

Operating Expense

Impairment (Losses) / Reversal of

Productive Assets

Profit Before Tax

Net Profit

ROA

ROE

NIM

Operating Expense

to Operating Income

Capital Adequacy Ratio (CAR)

NPL Gross

NPL Net

LDR

Net Open Position (NOP)

Reserve Requirement Rupiah

Reserve Requirement Foreign Currency

21,147

15,975

1,596

8,431

6,699

4,820

499

299

(196)

(16)

587

436

3.12%

10.37%

2.92%

73.68%

40.13%

0.69%

0.46%

189.48%

0.20%

8.47%

8.36%

32,134

23,149

4,009

12,586

12,883

5,283

521

386

(223)

(3)

681

506

2.70%

10.69%

1.94%

69.10%

26.14%

0.70%

0.55%

183.93%

0.14%

8.21%

8.19%

46,833

34,348

5,534

18,533

17,749

5,897

629

561

(272)

(23)

895

666

2.50%

13.22%

1.71%

75.26%

25.81%

0.38%

0.32%

185.34%

0.23%

8.17%

8.26%

In Billion Rupiah

Statements of Comprehensive Income

Financial Ratios

Statements of Financial Position

2011 2012 2013


Sekilas PerusahaanCompany in Brief

PT Bank Sumitomo Mitsui Indonesia berawal dari pendirian perusahaan dengan nama PT Bank Sumitomo Niaga tanggal 14 Agustus 1989. Pada bulan Januari 2000, Bank berganti nama menjadi PT Bank Sumitomo Indonesia. Selanjutnya melalui penggabungan usaha (merger) dari PT Bank Sumitomo Indonesia dengan PT Bank Sakura Swadharma, pada tanggal 17 April 2001 terbentuklah PT Bank Sumitomo Mitsui Indonesia.

Sehingga komposisi pemegang saham Bank pada awal penggabungan usaha atau per April 2001 adalah:

PT Bank Sumitomo Mitsui Indonesia started from the company establishment under name PT Bank Sumitomo Niaga dated in 14 August 1989. In January 2000, it became PT Bank Sumitomo Indonesia. Latter, through a merger of PT Bank Sumitomo Indonesia and PT Bank Sakura Swadharma, om 17 April 2001, the Bank’s name become PT Bank Sumitomo Mitsui Indonesia.

The composition of the Bank’s shareholder in the beginning of the business merger in April 2001 is as follow:

97.63%

1.66%

0.71%

Sumitomo Mitsui Bank Corporation, Japan

Indonesian Bank Restructuring Agency

PT Bank Niaga Tbk

“Sejak tahun 2001-2011 Bank telah mengalami beberapa kali perubahan modal dan komposisi pemegang saham”

“From 2001-2011 the Bank experienced several changes of capital and shareholders compositions”



Dalam perjalanannya sejak tahun 2001 hingga tahun 2011, Bank telah mengalami beberapa kali perubahan modal dan komposisi pemegang saham. Perubahan terakhir yaitu pada Februari 2011, dimana Sumitomo Mitsui Banking Corporation Jepang sebagai pemegang saham mayoritas dan PT Bank Central Asia Tbk sebagai pemegang saham baru menambah modal Bank, sehingga Modal ditempatkan dan disetor penuh bertambah menjadi Rp. 2.873.942.000.000 dari Rp. 1.502.441.000.000. Modal dasar meningkat menjadi Rp. 2.873.942.000.000 dari Rp.2.300.000.000.000.

Sehingga komposisi pemegang saham Bank terbaru atau per Februari 2011, adalah sebagai berikut:

Penjelasan sejarah Bank dari sebelum merger hingga saat ini dapat dilihat dari bagan berikut ini:

During its journey in 2001 to 2011, the Bank experienced several changes of capital and shareholders composition. Last change was in February 2011 when Sumitomo Mitsui Banking Corporation Japan as majority shareholder and PT Bank Central Asia Tbk as new shareholder placed additional capital to the Bank, hence the subscribed and fully paid capital increased to Rp. 2,873,942,000,000 from Rp. 1,502,441,000,000. The authorized capital became Rp. 2,873,942,000,000 from Rp. 2,300,000,000,000.

Thus, the latest Bank’s shareholders composition as per February 2011 as follow:

Description of the Bank milestone since pre-merger until present can be shown on the following chart:

98.48%

1.00%

0.52%

Sumitomo Mitsui Bank Corporation, Japan

PT Bank Central Asia Tbk

PT Bank Negara Indonesia (Persero) Tbk



PT Bank Sumitomo NiagaAugust 1989

Capital : Rp. 50,000 millionThe Sumitomo Bank , Ltd. : 85.00%

PT Bank Niaga : 15.00%

PT Bank Mitsui SwadharmaNovember 1989

Capital : Rp. 50,000 millionThe Mitsui Bank , Ltd. : 85.00%

PT Bank Central Dagang : 15.00%

October 1999Capital : Rp. 225,000 million

The Sakura Bank , Ltd. : 96.67%PT Bank Central Dagang : 3.33%

PT Bank Sakura SwadharmaApril 1992

December 1994Capital : Rp. 53,191 million

The Sumitomo Bank, Ltd. : 79.90%PT Bank Niaga Tbk : 20.10%

May 1999Capital : Rp. 753,191 million

The Sumitomo Bank, Ltd. : 98.58%PT Bank Niaga Tbk : 1.42%

PT Bank Sumitomo IndonesiaJanuary 2000



PT Bank Sumitomo Mitsui IndonesiaApril 2001

Capital : Rp. 1,502,441 millionThe Sumitomo Bank , Ltd : 49.42%

The Sakura Bank, Ltd : 48.21%Indonesian Bank Restructing Agency : 1.66%

PT Bank Niaga Tbk : 0.71%

PT Bank Sumitomo Mitsui IndonesiaFebruary 2011

Capital : Rp. 2,873,942 millionSumitomo Mitsui Banking Corporation : 98.48%

PT Bank Central Asia Tbk : 1.00%PT Bank Negara Indonesia (Persero) Tbk : 0.52%

September 2006Sumitomo Mitsui Banking Corporation : 99.00%PT Bank Negara Indonesia (Persero) Tbk : 1.00%

April 2004Sumitomo Mitsui Banking Corporation : 98.29%PT Bank Negara Indonesia (Persero) Tbk : 1.00%

PT Bank Niaga Tbk : 0.71%


Penghargaan dan Pencapaian up to 2013Awards and Achievement up to 2013

1. IdAAA Company Rating from PEFINDO 17 October 2013

3. Infobank Award 2013 - Bank with Very Good business performance in year 2012 5 July 2013

2. Indonesian Banking Awards - Best Performance Banking 2013 (From Media Tempo) 1 October 2013

Informasi Singkat: Bank berhasil menerima Rating Perusahaan idAAA (Triple A; Stable Outlook) dari PT. Pefindo (PT Pemeringkat Efek Indonesia) periode 17 Oktober 2013 – 1 Oktober 2014.

Informasi Singkat: Bank meraih penghargaan dari Infobank untuk kategori Bank dengan Kinerja Bisnis yang sangat baik pada tahun 2012.

Informasi Singkat: Media Tempo menganugerahkan Bank penghargaan sebagai Bank dengan kinerja terbaik pada tahun 2013

Brief Info: The Bank succeed to receive Company Rating of idAAA (Triple A; Stable Outlook) from PT Pefindo (PT Pemeringkat Efek Indonesia) for the period of 17 October 2013 – 1 October 2014.

Brief Info: The Bank receives award from Infobank for the category Bank with Very Good Business Performance in year 2012.

Brief Info: Tempo Media awarding the Bank as Best Performance Banking in 2013



6. The Best Performance Banking 2012 July 2012

5. Best Reporting Bank for DHE (Devisa Hasil Ekspor/ Export Proceed) December 2012

4. Pelapor Bank RTE terbaik - Best Reporting Bank Award for RTE reporting 4 Dec 2013

Informasi singkat: Bank dengan Kinerja Keuangan Terbaik dengan ranking pertama kategori Bank Campuran. Perhargaan ini diberikan oleh ABFI Institute Perbanas dan Media Tempo pada Juli 2012.

Informasi singkat: Pada Desember 2012, Bank menerima penghargaan dari Bank Indonesia sebagai salah satu pelapor Bank terbaik untuk DHE (Devisa Hasil Ekspor).

Informasi Singkat: Bank meraih penghargaan dari Bank Indonesia sebagai salah satu Pelapor Bank RTE terbaik periode tahun 2013.

Brief info: The Best Performance Bank with the 1st Rank among Joint Venture Bank category. This award was granted by ABFI Institute Perbanas and Tempo Media in July 2012.

Brief info: In December 2012, the Bank received award from Bank Indonesia as one of the best reporting bank for DHE (Devisa Hasil Ekspor/Export Proceed).

Brief Info: The bank receives award from Bank Indonesia as one of the Best Reporting Bank Award for RTE Reporting Year 2013.



7. Banking Efficiency Award 2011 2011

9. “Excellent” Banking Performance 2006 - 2010 22 July 2011

8. The Best LLD Reporters 2011 December 2011

Informasi singkat: Berdasarkan riset atas tingkat efisiensi operasional yang dinilai oleh Unit Inteligensi Bisnis Indonesia (Koran Bisnis Indonesia), Bank menerima penghargaan sebagai salah satu dari 13 (tiga belas) bank yang diukur dengan skor efisiensi yang optimum.

Informasi singkat: Bank menerima penghargaan sebagai Bank yang mempunyai Kinerja Keuangan “Sangat Bagus” di tahun 2006 – 2010. Penghargaan ini diberikan oleh Infobank Golden Trophy 2011.

Informasi singkat: Pada Desember 2011, Bank menerima penghargaan dari Bank Indonesia sebagai salah satu dari Pelapor LLD Terbaik.

Brief info: Based on operational efficiency research that was assessed by Bisnis Indonesia’s Intelligence Unit (Bisnis Indonesia newspaper), the Bank received award as one of the 13 (thirteen) banks that was measured with optimal efficiency scores.

Brief info: The Bank received award as a Bank that has “Excellent” Financial Performance in 2006 – 2010. This award was granted from Infobank Golden Trophy 2011

Brief info: In December 2011, the Bank received award from Bank Indonesia as one of the best LLD reporters.



10. The Best Bank 2011 June 2011

12. “Excellent” Banking Performance in 2006 July 2007

11. The Best Performance Banking 2010 June 2011

Informasi singkat: Bank Terbaik dengan Aset > Rp. 10 Triliun – Rp. 25 Triliun. Penghargaan ini diberikan oleh Majalah Investor edisi Juni 2011.

Informasi singkat: Bank yang berpredikat sangat bagus atas kinerja keuangan di tahun 2006 dari 130 Bank. Penghargaan ini diperoleh dari InfoBank Awards 2007.

Informasi singkat: Bank dengan Kinerja Keuangan Terbaik dengan rangking kedua dari kategori Bank Campuran. Penghargaan ini diberikan oleh ABFI Institut Perbanas dan Media Tempo pada tahun 2011.

Brief info: The Best Bank with Assets > Rp. 10 Trillion – Rp. 25 Trillion. This award was granted by Investor Magazine edition June 2011.

Brief info: The Bank with excellent predicate on financial performance in year 2006 from top 130 Bank’s. This award was received from InfoBank awards 2007.

Brief info: The Best Performance Bank with the 2nd Rank among Joint Venture Bank category. This award was granted by ABFI Institute Perbanas and Tempo Media in 2011.


Kata Pengantar Direktur UtamaMessage From President Director

“

“

Masaya HirayamaDirektur Utama President DirectorPT Bank Sumitomo Mitsui Indonesia

Bank mencatat pencapaian kinerja yang sangat baik pada tahun 2013. Laba bersih tercatat sebesar Rp. 666 miliar, meningkat sebesar 31,6% dibandingkan dengan tahun lalu, sehingga rasio ROE mencapai 13,2%.

The Bank has recorded a good performance in 2013. Net profit recorded as IDR 666 billion, 31.6% increased to previous year and ROE ratio reached 13.2%.



Meskipun tahun 2013 merupakan tahun yang penuh tantangan bagi sebagian besar negara berkembang, terutama terkait isu berakhirnya kebijakan Quantitative Easing Amerika Serikat serta perlambatan kinerja ekonomi China, perekonomian Indonesia tercatat mempunyai kinerja yang relatif bagus dengan pertumbuhan sebesar 5,8%. Hal ini terutama didorong oleh kuatnya konsumsi domestik.

Bank mencatat pencapaian kinerja yang sangat baik pada tahun 2013. Laba bersih tercatat sebesar Rp. 666 miliar, meningkat sebesar 31,6% dibandingkan dengan tahun lalu, sehingga rasio ROE mencapai 13,2%. Kinerja positif ini terutama didorong oleh pertumbuhan kredit sebesar 48% yang mencapai saldo sebesar Rp. 34,3 triliun.

Peningkatan kredit yang signifikan didukung oleh pengelolaan risiko yang penuh kehati-hatian, sehingga kualitas kredit dapat terjaga dengan baik, terlihat dari sangat rendahnya rasio NPL gross sebesar 0,38% dan NPL neto sebesar 0,32%.

Pertumbuhan kredit telah tercapai dengan baik melalui pengembangan promosi bisnis kepada perusahaan Jepang serta perluasan basis nasabah Non-Jepang seperti perusahaan multinasional dan perusahaan nasional di Indonesia.

Dari sisi sektor industri, penyaluran kredit terutama dilakukan pada industri manufaktur, perantara keuangan dan perdagangan. Bank juga terus berupaya melakukan diversifikasi portfolio kredit lebih lanjut.

Untuk mendukung pertumbuhan kredit, simpanan nasabah telah meningkat sebesar 47,3% dari tahun sebelumnya, menjadi sebesar Rp 18,5 triliun.

Sejalan dengan pertumbuhan kinerja, peningkatan jumlah karyawan juga merupakan salah satu kebutuhan penting

Despite the challenges faced by most of developing countries along the year of 2013 related to the issue of expiration of United States’ Quantitative Easing policy issue and the slowing performance of China’s economy, Indonesia is recorded to have a relatively good performance with economic growth at 5.8%. This growth was mainly supported by the strong domestic consumption.

The Bank has recorded its good performance in 2013. Net profit was booked at Rp. 666 billion, increased by 31.6% compare with the previous year, thus ROE ratio reached to 13.2%. This positive performance was mainly supported by the credit growth of 48% that reached the balance of Rp. 34.3 trillion.

The significant credit growth was supported by the prudent risk management, so that the good credit quality can be well maintained as reflected by the low NPL gross of 0.38% and net NPL of 0.32%.

The credit growth has been performed well through the business promotion to Japanese companies and expansion on non-Japanese customer’s base such as multinational and national companies in Indonesia.

In term of industrial sector, the credit disbursement is allocated to manufacturing industry, financial intermediaries and trade. The Bank also continue to put an effort on further diversifying its credit portfolio.

In order to support credit growth, customers’ deposits has increased by 47.3% from previous year to IDR 18.5 trillion.

Along with the achievement of performance growth, the Bank has also considered the increase of number of



Bank. Hal ini dapat dilihat dari penambahan jumlah karyawan dari 274 orang di tahun 2012 menjadi 302 orang di tahun 2013. Untuk meningkatkan kompetensi karyawan, Bank terus menerus melakukan berbagai program pelatihan, diantaranya dilakukan dengan kerjasama antara Bank dengan departemen pelatihan SMBC.

Di tahun 2013, Bank untuk pertama kalinya melakukan program yang disebut dengan Shinjin Ken untuk karyawan muda baru dengan tujuan membentuk karyawan yang profesional dan exceptional untuk memberikan pelayanan yang terbaik.

Memasuki tahun 2014, diperkirakan pertumbuhan pasar uang dan pasar modal masih cukup tinggi akibat sentimen negatif pelaku pasar terhadap tapering Amerika Serikat. Dari ranah politik nasional dalam menghadapi pemilihan umum legislatif dan pemilihan presiden Indonesia, diperkirakan pertumbuhan ekonomi akan mengalami penyesuaian pada tahun 2014.

Namun perekonomian yang ditunjang dengan pasar domestik yang kuat serta kebijakan ekonomi yang pruden menjadikan Indonesia sebagai target tujuan yang populer bagi pengembangan bisnis para investor asing dibandingkan dengan negara-negara berkembang lainnya.

Bank juga akan berupaya meningkatkan kontribusi kepada perekonomian Indonesia dengan terus memperluas bisnis kepada perusahaan Indonesia baik yang bergerak dalam bidang manufaktur maupun industri lainnya.

Selain itu, Bank juga akan meningkatkan promosi bisnis Transactional Banking guna meningkatkan pelayanan kepada nasabah dalam hal Cash Management, transaksi valas maupun perdagangan. Dalam melakukan promosi bisnis, Bank akan terus berpedoman pada prudent risk management, di antaranya dengan melakukan peningkatan pemberian kredit kepada sektor yang sesuai dengan risk appetite Bank.

Employees as part of the Bank’s important requirements. This was shown by the growth in the number of employees from 274 employees in 2012 to 302 employees in 2013. In order to improve employee’s competency, the Bank continuously conduct various training program, among others the Bank made collaboration within Bank and SMBC Training Development Department.

In 2013 for the first time, the Bank conducted a program named Shinjin Ken which was dedicated for new young employees in order to create professional and exceptional employees to provide best services.

Entering year 2014, it was projected that money market and capital market will remain growing as the impact of market participant on negative sentiment concerning United States’ tapering. From the national political view in facing legislator election and presidential election, the economic growth was predicted to make adjustment in the year 2014.

Nevertheless with the economy supported by the strong domestic market as well as with prudent economic policy, it will make Indonesia as the popular target for business development of foreign investor compare with other developing countries.

The Bank will also put an effort to contribute to the Indonesia’s economy by continue enhancing business to Indonesian companies in manufacturing sectors and other industry sectors.

In addition to that, the Bank will also enhance the Transactional Banking business promotion to improve the service to customer in the field of Cash Management, foreign exchange transactions and trades. In conducting its business promotions, the Bank will remain holding prudent risk management, among others by increasing the credit distribution to sectors in accordance with the Bank’s risk appetite.



Secara umum, Bank berkeyakinan positif dengan kekuatan serta komitmen internal untuk menghadapi tantangan dan meraih berbagai peluang yang ada untuk tetap mencatatkan kinerja yang baik di tahun 2014.

Akhirnya, atas nama Dewan Direksi, kami mengucapkan terima kasih atas pencapaian yang baik di tahun 2013. Ini merupakan hasil dedikasi, kerja keras dan loyalitas yang telah ditunjukan oleh segenap karyawan Bank, yang kami harapkan dapat lebih ditingkatkan untuk meraih pencapaian yang lebih baik pada tahun 2014.

Secara khusus, atas nama Bank, kami juga mengucapkan terima kasih dan apresiasi tertinggi kepada Dewan Komisaris, para pemegang saham dan seluruh nasabah untuk kepercayaan dan dukungan sepanjang tahun ini, karena itu merupakan hal terpenting bagi keberhasilan Bank dalam melanjutkan pertumbuhan dan ekspansi bisnis di masa depan.

In general, the Bank positively believes with its strength and internal commitment to face challenges and achieve each opportunity in order to record another good performance in 2014.

Lastly, on behalf of Board of Directors, we sincerely deliver high appreciation for the good performance in 2013. This is a result of dedication, hard work, and loyalty from all Bank’s employees with the hope that the performance can be improved for better achievement in 2014.

In particular, on behalf of the Bank, we also thank and give high appreciation to Board of Commissionaires, shareholders, and all customers for the trust and support along this year for it is the most important thing for the Bank’s success in continuing the business growth and expansion in the future.

Masaya Hirayama Direktur Utama | President DirectorPT Bank Sumitomo Mitsui Indonesia (SMBC Indonesia)


Strategi BisnisBusiness Strategy

Tahun 2013 merupakan tahun yang penuh tantangan bagi perekonomian Indonesia. Inflasi melonjak tinggi sampai pada tingkat 8,4% sebagai dampak kenaikan harga BBM dan di sisi nilai tukar mata uang, Indonesia mengalami depresiasi Rupiah yang tajam. Namun di tengah ketidakpastian ekonomi tersebut, pada tahun 2013 perekonomian Indonesia masih dapat tumbuh sehat di level 5,8% dengan konsumsi domestik yang kuat menjadi pendorong utama. Bank Indonesia juga telah memainkan peran utama mereka dengan beberapa kali menaikkan suku bunga acuan dari tingkat 5,75% menjadi 7,5% pada kuartal akhir 2013. Dengan campuran kebijakan moneter dan kebijakan makroprudensial, hal ini terbukti berhasil menstabilkan perekonomian.

Memasuki tahun 2014, tingkat inflasi diperkirakan akan kembali stabil di tingkat 5,0%±1. Namun beberapa faktor, baik internal dan eskternal, seperti ketegangan geopolitik di beberapa belahan dunia, dampak cuaca pada harga komoditas, dan kenaikan tarif listrik, harus diperhatikan pula. Melalui ketidakpastian ini, perekonomian Indonesia diproyeksikan akan mengalami penyesuaian pada tahun 2014, namun dengan berlanjutnya konsumsi domestik yang kuat dan kebijakan ekonomi yang berhati-hati, diproyeksikan bahwa Indonesia akan menjadi sasaran yang menarik bagi investor dibandingkan dengan negara berkembang lainnya. Hal ini akan membuka banyak peluang ekspansi bisnis sehingga Bank juga berpeluang untuk melakukan pertumbuhan kredit yang lebih lagi, serta melakukan ekspansi pada sektor-sektor ekonomi lainnya.

Dengan tujuan mencapai visi jangka panjang Bank sebagai “Most Preferred, Trusted and Leading Bank in Indonesia”, Bank telah membuat beberapa strategi yang akan diimplementasikan di tahun 2014.

Year 2013 was the year full of challenge for Indonesia economy. The inflation increased to level of 8.4% as the impact of the fuel price hike and from the exchange currency point of view, Indonesia faced sharp depreciation of Rupiah. However, in the midst of uncertainty, in year 2013 Indonesia economy still grew at level 5.8% due to the strong domestic consumption as the main driver. Bank Indonesia also played the main role by increasing the benchmark rate for several times from 5.75% to 7.5% at the end of the last quarter of 2013. The mix of monetary and macroprudential policies have proven to stabilize the economy.

Entering year 2014, the inflation level is projected to be stable at level 5.0%±1. However, several factors, either internal and external, such as geopolitic tenses in some part of the world, climate impact to the comodity price, and increase of electricity price, has to be put as the attention as well. Through this uncertainty, Indonesia economy is forecasted to slow down in 2014, however with the continuation on strong domestic consumption and prudent economy policy, it would be predicted that Indonesia will be the attracted target for investor compare with other emerging countries. This will then open many opportunities for further loan growth and expansion to other economic sectors.

In aiming for achieving the Bank’s long term vision as “The Most Preferred, Trusted and Leading Bank in Indonesia”, the Bank has set up several strategies that will be implemented in 2014.

Bank telah membuat beberapa strategi guna mencapai visi jangka panjang.Bank has set up several strategies to achieve the Bank’s long term vision.



Pertama, Bank memproyeksikan peningkatan volume kredit ±20%, dimana sasaran pemberian kredit masih kepada perusahaan Jepang. Namun, guna memperoleh pangsa pasar yang lebih luas, Bank juga akan memberikan fokus pada peningkatan pemberian kredit kepada perusahaan Non-Jepang, yaitu perusahaan Indonesia, perusahaan multi-nasional dan Badan Usaha Milik Negara. Dalam jangka menengah, Bank juga akan mengembangkan dan memperluas bisnis perusahaan Indonesia dari basis nasabah saat ini yaitu dari perusahaan besar menuju perusahaan yang lebih kecil. Dalam pelaksanaan strategi pengembangan usaha, Bank akan dipandu oleh penilaian prospek sektor industri, analisa risiko dan peluang diversifikasi portofolio kredit.

Kedua, untuk mendukung ekspansi bisnis, Bank juga menerapkan strategi untuk peningkatan deposito nasabah dan diversifikasi pendanaan. Selain melakukan aktifitas pengumpulan deposito nasabah, Bank juga akan melakukan penerbitan Medium Term Notes (MTN) dan promosi deposito antar bank.

Ketiga, memperluas bisnis Transaction Banking. Bank akan mengoptimalkan bisnis transaction banking dan meningkatkan cross selling atas deposito, Foreign Exchange, Cash Management Service, dan Trade Finance. Sebagai bagian dari komitmen Bank untuk memperluas pertumbuhan bisnis, di tahun 2014 Bank mendirikan unit bisnis baru yang disebut “Transaction Banking Service Department (TBSD)”. yang merupakan peleburan dari dua departemen yaitu Cash Management Service Department dan Trade Finance Marketing Department dengan tujuan utama TBSD adalah untuk mengoptimalkan sumber daya Perseroan untuk memasarkan secara aktif kepada nasabah termasuk institusi finansial di Indonesia serta mencari transaksi bisnis untuk memungkinkan Bank memperoleh lebih banyak peluang dari cash management, Foreign Exchange dan perdagangan. Peningkatan pengetahuan produk bagi karyawan melalui pelatihan dan sesi studi akan dilakukan untuk meningkatkan peluang cross-selling dan mendukung pengembangan produk baru. Tambahan karyawan lokal dengan keahlian dalam bidang Transaction

First, the Bank projects to increase loan volume by ± 20%, in which the main target still on the Japanese customers. However, aside from that, with the aim to gain wider customer base, the Bank will also expand its focus in loan distribution to Non Japanese companies such as Indonesian corporates, multinational companies and state owned enterprises. As for mid term strategy, the Bank would also develop and extend the Indonesia corporate business from the current customer base of large corporates toward smaller corporates. Nevertheless, in implementing the business expansion strategies, Bank will be guided by assessment of industry sectors prospects, risk analysis and loan portfolio diversification opportunities.

Second, to support the business expansion, Bank has also implement strategies for the enhancement on customers deposit taking and fund diversification. In doing such, Bank also plan to issue Medium Term Notes (MTN) and increase the promotion for inter-bank deposit.

Third, expansion on Transaction Banking business. The Bank is aiming to omptimize the transaction banking business and enhance the cross selling of deposit, Foreign Exchange, Cash Management Services and Trade Finance. As part of the Bank’s commitment to expand the business growth, in 2014 the Bank has created new department called “Transaction Banking Service Department (TBSD)” from the merging of two departments namely Cash Management Service Department and Trade Finance Marketing Department with the main goal is to optimize the Bank’s resources to actively market to customers including financial institutions in Indonesia as well as to seek transactional business to acquire more opportunities from cash management, FX and trade finance transactions to the Bank. Staff product knowledge improvement through training and study sessions will be carried out to enhance cross-selling opportunities and support new product development. Additional local staff with expertise in transaction banking would also be employed.


Banking juga akan dipekerjakan.

Keempat, meningkatkan struktur organisasi dan sumber daya manusia. Dalam rangka menyelaraskan sumber daya organisasi untuk mendukung strategi bisnis, Bank melakukan beberapa reorganisasi di antaranya pendirian beberapa departemen baru, memperkerjakan karyawan yang berpengalaman di departemen baru tersebut dan terus melakukan pengembangan karyawan untuk membangun pengetahuan dan keterampilan, di antaranya dengan mendorong alih pengetahuan dan berbagi best practice melalui pelatihan di luar negeri dan kerja praktek di kantor pusat SMBC serta kantor regional.

Kelima, meningkatkan standar manajemen risiko dan kepatuhan dalam pelaksanaan kegiatan usaha. Program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) dan alur kerja pengendalian kredit dan prosedur yang terkait akan dinilai untuk memastikan pemisahan tugas dan manajemen risiko yang efektif. Bank juga akan melakukan proyek peningkatan efisiensi operasional dan administrasi di mana komunikasi antar karyawan, teknologi informasi dan sistem, dan prosedur serta manual akan ditingkatkan.

Keenam, Bank melakukan perubahan logo perusahaan dengan bekerja sama dengan perusahaan induk SMBC yang bertujuan untuk meningkatkan brand awareness di pasar sebagai salah satu dari grup perusahaan SMBC yang diakui secara global. Sejak awal tahun 2014, penyebutan nama Bank secara internal dan eksternal menjadi “SMBC Indonesia”.

Bank akan terus melakukan upaya terbaik untuk mewujudkan prioritas strategi diatas bersinergi dengan slogal Bank “AYO MAJU BERSAMA” sebagai komitmen Bank untuk melangkah maju bersama seluruh karyawan, pemegang saham dan negara Indonesia dalam memberikan kontribusi yang berkelanjutan bagi pertumbuhan dan kinerja Bank pada khususnya dan perekonomian Indonesia pada umumnya.


Fourth, enhancing organization structure and human resources. In order to align organizational resources to support business strategies, the Bank conducts several re-organization such as establishment of several new departments, recruit experienced staff in the respective new departments; and actively continue with employees development to enhance knowledge and skills, among others by encouraging knowledge transfer and sharing of best practices via overseas training and attachments in SMBC’s head offices and regional offices..

Fifth, enhancing risk management and compliance standard in the implementation of business activities. Anti Money Laundring (AML) and Combating the Financing of Terrorism Act (CFT) and credit control related workflows and procedures will be assessed to ensure segregation of duties and effective risk management. The Bank will also conduct operational and administrative efficiency enhancement project whereby staff communication, IT and systems, and procedure and manuals will be improved.

Sixth, Bank has change its logo mark in collaboration with parent company with the aims to raise its brand awareness in the market as one of SMBC group companies which are recognized globally. Starting beginning of 2014, the Bank is called “SMBC Indonesia” both internally and externally.

The Bank will continuously give its best effort to realize above priority strategies in conjuction with its slogan “LET’S MOVE FORWARD TOGETHER” as the Bank’s commitment to move forward together with all employees, shareholders and Indonesia in delivering sustainable contributions to the Bank’s growth and performance in particular and Indonesia economy in general.


Analisa KeuanganFinancial Review

Kinerja Keuangan pada tahun 2013

Pada tahun 2013, PT Bank Sumitomo Mitsui Indonesia berhasil mencatat laba bersih sebesar Rp. 666 miliar, meningkat 31,6% dari laba bersih tahun sebelumnya yang sebesar Rp. 506 miliar. Peningkatan ini terutama berasal dari kenaikan pendapatan bunga bersih dan pendapatan operasional lainnya yang berasal dari keuntungan transaksi valuta asing

Financial Performance in 2013

In 2013, PT Bank Sumitomo Mitsui Indonesia has successfully achieved net profit of Rp. 666 billion, increased 31.6% than prior year net profit of Rp. 506 billion. The increase was mainly driven by the increase in net interest income as well as the increase in other operating income from the gain on foreign exchange transactions.

Ringkasan Kinerja KeuanganSummary of Financial Performance

1,000

800

600

400

200

-

(200)

(400)

Dalam Miliar RupiahIn billion Rupiah

Pendapatan BungaBersih/ Net

Interest Income

499

299

(196)(223)

(272)

521

386

629561 587

681

895

436506

666

2011 2012 2013

“Bank bertumbuh secara terus menerus dan kembali berhasil mencapai laba bersih dan saldo kredit tertinggi pada tahun 2013.”

“The Bank has grown steadily and achieved another highest historical net profit and loan balance in the year 2013”



Pendapatan Bunga Bersih

Pendapatan bunga tumbuh sebesar 39,8% menjadi Rp. 1.151 miliar di tahun 2013 dibandingkan dengan Rp. 823 miliar di tahun 2012. Peningkatan ini didorong oleh pertumbuhan kredit yang tinggi.

Beban bunga tercatat sebesar Rp. 521 miliar di tahun 2013, meningkat dari Rp. 302 miliar di tahun 2012. Penyumbang terbesar peningkatan ini adalah beban bunga deposito berjangka serta beban bunga dari pinjaman yang diterima dan pinjaman subordinasi seiring dengan kenaikan suku bunga pasar dan meningkatnya jumlah pinjaman untuk mendukung pertumbuhan kredit.

Pendapatan bunga bersih yang dibukukan adalah Rp. 629 miliar, meningkat 20,7% dari tahun sebelumnya. Sementara itu, rasio NIM di tahun 2013 tercatat sebesar 1,71%, lebih kecil dibandingkan dengan 1,94% di tahun 2012. Menurunnya rasio NIM terutama disebabkan meningkatnya suku bunga deposito berjangka dan pinjaman akibat dari kenaikan suku bunga pasar di tahun 2013.

Pendapatan Operasional Lainnya

Pendapatan operasional lainnya pada tahun 2013 tercatat sebesar Rp. 561 miliar, naik 45,3% dari Rp. 386 miliar pada tahun 2012. Kenaikan ini terutama didorong oleh meningkatnya keuntungan transaksi valuta asing dari sebesar Rp. 310 miliar, di tahun 2012 menjadi sebesar Rp 485 miliar pada tahun 2013.

Beban Operasional

Pada tahun 2013, beban operasional sebesar Rp.272 miliar, meningkat sebesar 22,0% dari Rp. 223 miliar di tahun 2012. Peningkatan beban tersebut terutama disebabkan oleh adanya kenaikan beban tenaga kerja sebesar 14,0% menjadi Rp. 129 miliar, hal ini didorong oleh peningkatan jumlah karyawan untuk mendukung pertumbuhan bisnis Bank serta sejalan dengan strategi Bank untuk mempertahankan kualitas terbaik sumber daya manusia di antaranya dengan

Net Interest Income

Interest income grew by 39.8% to Rp. 1,151 billion in 2013 compared to Rp. 823 billion in 2012. The increase was driven by the high loan growth.

Interest expenses were recorded at Rp. 521 billion in 2013, an increase from Rp. 302 billion in 2012. The largest contributor to this increase was the increase in interest expense on time deposit as well as interest expense on interbank borrowing and subordinated borrowing as a consequence of the increase in market interest rates and the increase in borrowing amount in supporting the loan growth.

Net interest income was booked at Rp. 629 billion, increasing 20.7% from the previous year. While the Net Interest Margin (NIM) ratio in 2013 was recorded at 1.71%, lower compared to 1.94% in 2012. The lower NIM ratio was mainly caused by the increase in the interest rate of time deposit and interbank borrowing due to the increase in market interest rate in 2013.

Other Operating Income

Other operating income in 2013 amounted to Rp.561 billion, representing an increase of 45.3% from Rp. 386 billion in 2012. The increase was mainly driven by the increase in gain on foreign exchange transactions from IDR 310 billion in 2012 to IDR 485 billion in 2013.

Operating Expense

In 2013, operating expense was Rp. 272 billion, a 22.0% increase from Rp. 223 billion in 2012. The increase in expense was primarily attributed to the higher personnel expense which was up by 14.0% to Rp. 129 billion, driven by the increased number of employees to support the expansion of the Bank’s business as well as in line with the Bank’s strategy to keep the best quality of its human resources among others by offering competitive remuneration and benefit welfare in



menawarkan remunerasi dan tunjangan kesejahteraan yang kompetitif untuk menarik dan mempertahankan tenaga perbankan yang profesional. Selain itu terdapat kenaikan biaya lain-lain yang disebabkan oleh peningkatan biaya premi Lembaga Penjamin Simpanan (LPS) sejalan dengan peningkatan dana pihak ketiga dan kenaikan biaya administrasi dan umum sebagai pengaruh dari apresiasi nilai tukar USD sehubungan dengan lebih besarnya porsi biaya administrasi dan umum dalam USD.

Posisi Keuangan

Total aset Bank bertumbuh signifikan sebesar 45,7% dari Rp. 32,13 triliun pada akhir tahun 2012 menjadi Rp. 46,83 triliun pada akhir tahun 2013. Pertumbuhan ini tercapai berkat kenaikan aset produktif Bank, yang didominasi oleh pertumbuhan kredit yang pesat, diikuti oleh penempatan pada bank lain. Pertumbuhan aset dibiayai oleh kenaikan dana pihak ketiga maupun pinjaman jangka panjang dari Induk Perusahaan Bank cabang Singapura.

order to attract and retain talented banking professional. In addition, there was also an increase in other operating expenses driven by higher Indonesia Deposit Insurance Corporation (IDIC) premium cost in line with the increased third party fund and higher general and administrative expenses as the impact of USD exchange rate appreciation due to major portion of general and administrative charges are in USD.

Financial Position

Total assets of the Bank grew significantly by 45.7% from Rp. 32.13 trillion as of end 2012 to Rp. 46.83 trillion as of end 2013. The growth was achieved due to the increase in the Bank’s productive assets, which was dominated by the rapid growth in the loans, followed by the placements in other banks. The assets growth was funded by the increase in third party funds collection as well as long-term borrowing from the Parent Bank’s Singapore branch.

Ringkasan NeracaBalance Sheet Summary

50,000

45,000

40,000

35,000

30,000

25,000

20,000

15,000

10,000

5,000

-

21,147

32,134

46,833

2011 2012 2013

Total Aset/ Total Assets

Aset/ Assets Ekuitas/ Equity

15,975

23,149

34,348

Kredit/ Loans

16,326

26,851

40,935

8,431

12,586

18,533

4,820 5,2835,897

Total Ekuitas/ Total Equity



Kredit yang Diberikan

Bank terus membukukan pertumbuhan kredit yang diberikan. Pada akhir tahun 2013, Bank berhasil mencatat pencapaian saldo kredit tertinggi, di mana jumlah kredit yang diberikan sebelum dikurangi penyisihan kerugian penurunan nilai mencapai Rp. 34,35 triliun, tumbuh sebesar 48,4% dari Rp. 23,15 triliun pada akhir tahun 2012. Pertumbuhan kredit ini, yang melebihi pertumbuhan kredit industri perbankan sebesar 21,6%, menunjukkan bahwa Bank secara konsisten terus meningkatkan fungsi intermediasi dengan tetap memberikan fasilitas kredit kepada perusahaan yang memiliki kinerja baik. Kredit dalam mata uang Rupiah tumbuh signifikan sebesar 21,1% menjadi Rp. 12,83 triliun, sementara kredit dalam mata uang asing meningkat sebesar 71,3% menjadi Rp 21,52 triliun.

Penyaluran pertumbuhan kredit masih didominasi oleh sektor manufaktur yaitu mencakup 39% dari total portfolio kredit pada akhir tahun 2013, dibandingkan dengan 35% pada akhir tahun 2012. Sementara sektor jasa dunia usaha mengalami penurunan porsi portfolio menjadi 30% pada akhir tahun 2013, menurun dari 34% pada akhir tahun 2012.

Loans

The Bank continued to record growth in Loans. As of end 2013, the Bank has successfully achieved the highest historical loan balance, in which total loans gross before allowance for impairment losses amounted to Rp. 34.35 trillion, grew by 48.4% from Rp. 23.15 trillion as of end 2012. This loans growth, which exceeded the banking industry’s loan growth of 21.6%, showed that the Bank consistently improved intermediation function by providing loan facilities to well performing companies. Rupiah loans grew by 21.1% to Rp. 12.83 trillion, while foreign currency loans increased by 71.3% to Rp 21.52 trillion.

Distribution of the loans growth was still dominated by manufacturing sector accounted for 39% of the total loan portfolio as of end 2013, compared to 35% as of end 2012. While, business service sector portion declined to 29% as of end 2013, from 34% as of end 2012.



Kredit Berdasarkan Sektor EkonomiLoans by Economic Sector

35%

34%

11%

7%

2%

11%

Manufaktur / Manufacturing

Jasa Dunia Usaha / Business Service

Perdagangan / Trade

Pertambangan / Mining

Konsumen / Consumer

Lain-lain / Others

2012 2013

0% 10% 20% 30% 40%

39%

30%

9%

5%

0%

17%

0% 10% 20% 30% 40%



Kualitas Kredit

Bank secara konsisten menjaga kualitas aset yang baik, yang dicapai melalui praktik perbankan yang berhati-hati dan displin, tercermin pada upaya yang terus menerus dalam memperkuat manajemen risiko dan proses kredit serta pengawasan yang ketat terhadap debitur yang ada. Untuk memitigasi risiko, kredit yang diberikan dijamin dengan agunan yang diikat dengan hak tanggungan atau jaminan lain dan selain itu dijamin dengan Standby L/C dari afiliasi bank asing Bank. Rasio NPL gross dan NPL neto tercatat sebesar 0,38% dan 0,32% pada akhir tahun 2013. Hal ini menunjukkan bahwa Bank mampu memenuhi persyaratan Bank Indonesia untuk memelihara rasio NPL di bawah 5%.

Pendanaan

Dana pihak ketiga mencakup deposito berjangka dan giro. Pada akhir tahun 2013, dana pihak ketiga meningkat sebesar 47,3% menjadi Rp. 18,53 triliun, dari Rp. 12,58 triliun pada akhir tahun 2012. Deposito berjangka tumbuh sebesar 20,5% menjadi Rp. 6,23 triliun, sementara giro tumbuh sebesar 65,9% menjadi Rp. 12,30 triliun.

Pinjaman yang diterima meningkat dari Rp. 12,88 triliun di akhir tahun 2012 menjadi Rp. 17,75 triliun di akhir tahun 2013. Kenaikan pinjaman terjadi untuk mendukung pembiayaan pertumbuhan kredit.

Dengan adanya peningkatan dana pihak ketiga yang mencapai 47,3% dan kredit tumbuh sebesar 48,4%, rasio LDR Bank di akhir tahun 2013 terjaga stabil di tingkat 185,34%, dibandingkan LDR di akhir tahun 2012 yang sebesar 183,93%.

Loan Quality

The Bank consistently maintained good quality of its assets, which was achieved through the Bank’s prudent and disciplined banking practices, reflected by continuous effort in strengthening risk management and credit processing as well as close monitoring of the existing borrowers. In order to mitigate risk, the loans were either collateralized by registered mortgages or by other guarantees acceptable to the Bank, or secured by Standby L/C from the Bank’s foreign bank affiliates. NPL gross and NPL net were at 0.38% and 0.32% respectively as of end 2013. This indicates that the Bank was able to meet Bank Indonesia’s requirement to maintain NPL below 5%.

Funding

Third party fund consists of time deposit and current account. As of end 2013, third party fund increased by 47.3% to Rp. 18.53 trillion from Rp. 12.58 trillion as of end 2012. Time deposit grew by 20.5% to Rp. 6.23 trillion, while current account grew by 65.9% to Rp. 12.30 trillion.

Fund borrowings increased from Rp. 12.88 trillion as of end 2012 to Rp. 17.75 trillion as of end 2013. The increase of fund borrowings was incurred to support the funding needs for the loan growth.

As third party fund increased by 47.3% and loans grew by 48.4%, the Bank’s LDR as of end 2013 was maintained stable at 185.34%, compared to LDR as of end 2012 at 183.93%.



Ekuitas

Pada akhir tahun 2013, ekuitas Bank tercatat sebesar Rp. 5,89 triliun, tumbuh sebesar 11,6% dari Rp. 5,28 triliun pada akhir 2012. Peningkatan ini dimungkinkan oleh tingginya laba bersih di tahun 2013 yaitu mencapai Rp. 666 miliar. Dengan meningkatnya Aktiva Tertimbang Menurut Risiko (ATMR) sejalan dengan meningkatnya pertumbuhan kredit, Rasio Kecukupan Modal (CAR) Bank pada akhir tahun 2013 dengan memperhitungkan risiko kredit, operasional dan pasar menjadi 25,81%, lebih lebih tinggi dari batas minimum sesuai profil risikonya berdasarkan peraturan Bank Indonesia No. 15/12/PBI/2013 mengenai Kewajiban Penyediaan Modal Minimum Bank Umum. Bank akan tetap menerapkan pengelolaan modal yang sehat dan efisien dan memenuhi kecukupan permodalan yang ditetapkan oleh Bank Indonesia.

Equity

As of end 2013, the Bank’s equity stood at Rp. 5.89 trillion, grew by 11.6% from Rp. 5.28 trillion as of end 2012. Such increase was attributable to higher net profit during the year 2012 which reached of Rp. 666 billion.

As a result of increased Risk Weighted Asset (RWA) in line with the increasing loan growth, the Bank’s CAR considering credit risk, operational risk and market risk as of the end 2013 of 25.81% was above the required minimum according to its risk profile based on Bank Indonesia regulation No.15/12/PBI/2013 regarding the Commercial Bank’s Minimum Capital Requirement. The Bank will keep implementing sound and efficient capital management as well as meeting the capital adequacy set by Bank Indonesia.


Transparansi Laporan KeuanganTransparency of Financial Statement


Laporan Posisi Keuangan / Statements of Financial PositionPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012

(dalam Jutaan Rupiah / in Million Rupiah)

No. Pos - Pos/ Accounts 31 Dec 2013 31 Dec 2012

Kas/ CashPenempatan pada Bank Indonesia/ Placement with Bank IndonesiaPenempatan pada Bank lain/ Placement with other BanksTagihan spot dan derivatif/ Spot and derivatives receivableSurat berharga/ Marketable Securitiesa. Diukur pada nilai wajar melalui laporan laba/rugi/ Measured at fair value through profit and lossb. Tersedia untuk dijual/ Available for salec. Dimiliki hingga jatuh tempo/ Held to maturityd. Pinjaman yang diberikan dan piutang/ Loans and receivablesSurat berharga yang dijual dengan janji dibeli kembali (repo)/Securities sold under repurchase agreement (repo)Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)/Claims on securities bought under reverse repoTagihan Akseptasi/ Acceptance receivable Kredit/ Loansa. Diukur pada nilai wajar melalui laporan laba/rugi/ Measured at fair value through profit and lossb. Tersedia untuk dijual/ Available for salec. Dimiliki hingga jatuh tempo/ Held to Maturityd. Pinjaman yang diberikan dan piutang/ Loans and receivablesPembiayaan syariah/ Syariah financingPenyertaan/ Equity investment participationCadangan kerugian penurunan nilai aset keuangan - /-/Impairment on financial assets-/-a. Surat berharga / Marketable Securitiesb. Kredit/ Loansc. Lainnya/ OthersAset tidak berwujud/ Intangible assetsAkumulasi amortisasi aset tidak berwujud - /- Accumulated amortisation on intangible assets -/-Aset tetap dan inventaris/ Fixed assets and equipmentAkumulasi penyusutan aset tetap dan inventaris - /- /Accumulated depreciation on fixed assets and equipment -/-Aset non produktif/ Non - productive assetsa. Properti terbengkalai/ Abandoned propertyb. Aset yang diambil alih/ Repossesed assetsc. Rekening tunda/ Suspense accountsd. Aset antarkantor/ Interbranch assets i. Melakukan kegiatan operasional di Indonesia/ Conducting operational activities in Indonesia ii. Melakukan kegiatan operasional di luar Indonesia Conducting operational activities outside IndonesiaCadangan kerugian penurunan nilai aset lainnya - /- /Impairment on other assets -/-Sewa pembiayaan/ LeasingAset pajak tangguhan/ Deferred tax assetsAset lainnya/ Other assetsTOTAL ASET/ TOTAL ASSETS

Aset / Assets

12345

6

7

89

101112

13

14

15

16

171819

17.2394.867.3114.201.7531.338.842

-1.077.650

-599.457

-

-176.625

---

34.347.925-

22.500

-(45.809)

(33)50.107

(44.097)93.855

(61.834)

-109

--

-

-

---

190.91246.832.512

12.9944.500.2901.990.868

257.263

-518.632

-1.451.795

-

-121.297

---

23.149.420-

22.500

-(51.547)

(676)48.934

(41.473)85.481

(49.769)

-486

--

-

-

---

117.50532.133.950



Giro/ Demand DepositTabungan/ Saving accountSimpanan Berjangka/ Time depositDana investasi revenue sharing/ Revenue sharing investment fundPinjaman dari Bank Indonesia/ Borrowing from Bank IndonesiaPinjaman dari Bank lain/ Borrowing from other BanksLiabilitas spot dan derivatif/ Spot and derivatives liabilitiesUtang atas surat berharga yang dijual dengan janji dibeli kembali (repo)/ Liabilities on securities sold under repurchase agreement (repo)Utang Akseptasi/ Acceptance payableSurat berharga yang diterbitkan/ Marketable Securities IssuedPinjaman yang diterima/ Borrowinga. Pinjaman yang dapat diperhitungkan sebagai modal/ Borrowing calculated as capitalb. Pinjaman yang diterima lainnya/ Other Borrowing Setoran jaminan/ Margin depositLiabilitas antar kantor/ Interbranch liabilitiesa. Melakukan kegiatan operasional di Indonesia/ Conducting operational activities in Indonesiab. Melakukan kegiatan operasional di luar Indonesia/ Conducting operational activities outside IndonesiaLiabilitas pajak tangguhan/ Deferred tax liabilitiesLiabilitas lainnya/ Other liabilitiesDana investasi profit sharing/ Profit sharing investment fundTOTAL LIABILITAS/ TOTAL LIABILITIES

Modal disetor/ Paid up capitala. Modal dasar/ Authorized capitalb. Modal yang belum disetor - /- / Un-paid up capital -/-c. Saham yang dibeli kembali (treasury stock) - /- / Share buyback (treasury stock) -/-Tambahan modal disetor/ Additional paid up capitala. Agio/ Agiob. Disagio - /- / Disagio -/-c. Modal sumbangan/ Donated capitald. Dana setoran modal/ Paid up capital funde. Lainnya/ OthersPendapatan (kerugian) komprehensif lainnya/ Other comprehensive gain (loss)a. Penyesuaian akibat penjabaran laporan keuangan/ Adjustment on foreign currency financial statement translationb. Keuntungan (kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual/ Gain/(loss) on changes of financial asset categorized as available for salec. Bagian efektif lindung nilai arus kas/ Effective portion of cashflow hedged. Selisih penilaian kembali aset tetap/ Difference in fixed asset revaluatione. Bagian pendapatan komprehensif lain dari entitas asosiasi/ Portion of other comprehensive income from associates entitiesf. Keuntungan (kerugian) aktuarial program manfaat pasti/ Gain (loss) on defined benefit acturial programg. Pajak penghasilan terkait dengan laba komprehensif lain/ Income tax of other comprehensive incomeh. Lainnya/ OthersSelisih kuasi reorganisasi/ Difference in quasi reorganizationSelisih restrukturisasi entitas sepengendali/ Difference in restructuring under common controlEkuitas lainnya/ Other equityCadangan/ Reservesa. Cadangan umum/ General reservesb. Cadangan tujuan/ Approriated reservesLaba/rugi/ profit/lossa. Tahun- tahun lalu/ Previous yearsb. Tahun berjalan/ Current yearsTOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK/TOTAL EQUITY ATRIBUTABLE TO OWNERSKepentingan non Pengendali/ Minority InterestTOTAL EKUITAS/ TOTAL EQUITIESTOTAL LIABILITAS DAN EKUITAS/ TOTAL LIABILITIES AND EQUITIES

Laporan Posisi Keuangan / Statements of Financial PositionPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012



12345678

91011

1213

141516

17

18

19

20212223

24

25

12.300.630-

6.231.965--

3.6061.261.654

-176.700

-

2.859.95017.745.298

-

- -

102.216253.229

-40.935.248

2.873.942--

107.133----

-

(881)--

-

-220

----

127.722-

2.123.195665.933

5.897.264-

5.897.26446.832.512

7.414.345-

5.171.455--

2.270.007251.552

-121.339

-

819.18810.612.538

-

- -

54.531136.419

-26.851.374

2.873.942--

107.133----

-

(50)--

-

-12

----

117.722-

1,677,593506.224

5.282.576-

5.282.57632.133.950

Liabilitas dan Ekuitas / Liability and Equity

Ekuitas/ Equity

Liabilitas/ Liabilities


Laporan Laba Rugi Komprehensif/ Statement Of Comprehensive Income

Periode 1 Januari s/d 31 Desember 2013 dan 2012/ Period 1 January to 31 December 2013 and 2012

(dalam Jutaan Rupiah)/ (In Million Rupiah)

No. Pos-pos/ Accounts 31 Dec 2013 31 Dec 2012

PENDAPATAN DAN BEBAN OPERASIONAL/ OPERATIONAL INCOME AND EXPENSES

A. Pendapatan dan Beban Bunga/ Interest Income and Expenses

1 Pendapatan Bunga/ Interest Income 1,157,537 824,965

2 Beban Bunga/ Interest Expenses 528,124 304,107

Pendapatan (Beban) Bunga Bersih/ Net Interest Income (Expense) 629,413 520,858

B. Pendapatan dan Beban Operasional selain Bunga/ Operational Income and Expenses other than Interest

1 Pendapatan Operasional selain Bunga/ Operational Income other than Interest 2,723,637 1,354,369

a. Peningkatan nilai wajar aset keuangan/ Increment of financial assets fair value 1,191,850 246,370

b. Penurunan nilai wajar liabilitas keuangan/ Decrement of financial liabilities fair value - -

c. Keuntungan penjualan aset keuangan/ Gain on sale of financial assets - -

d. Keuntungan transaksi spot dan derivatif (realised)/ Gain on spot and derivative transaction (realized)

1,437,586 1,031,021

e. Keuntungan dari penyertaan dengan equity method/ Gain on investment under equity method - -

f. Dividen/ Dividend - -

g. Komisi/provisi/fee dan administrasi/ Commission/ provision/ fee and administration 93,542 76,842

h. Pemulihan atas cadangan kerugian penurunan nilai/ Reversal impairment losses 659 136

i. Pendapatan lainnya/ Other Income - -

2 Beban Operasional Selain Bunga/ Operational Expenses other than Interest 2,392,802 1,201,741

a. Penurunan nilai wajar aset keuangan/ Decrement of financial assets fair value 1,124,502 248,492

b. Peningkatan nilai wajar liabilitas keuangan / Increment for financial liabilities fair value

- -

c. Kerugian penjualan aset keuangan/ Loss on sale of financial assets - -

d. Kerugian transaksi spot dan derivatif (realised)/ Losses on spot and derivative transaction (realized)

954,015 726,012

e. Kerugian penurunan nilai aset keuangan (impairment)/ Impairment losses on financial assets 24,101 2,748

f. Kerugian terkait risiko operasional/ Operational risk losses 76 26

g. Kerugian dari penyertaan dengan equity method/ Losses on investment under equity method - -

h. Komisi/provisi/fee dan administrasi/ Commission/ provision/ fee and administration 33,599 12,821

i. Kerugian penurunan nilai aset lainnya (non keuangan)/ Impairment losses on other assets (non financial assets) - -

j. Beban tenaga kerja/ Personnel expenses 122,426 107,429

k. Beban promosi/ Promotion expenses 1,084 791

l. Beban lainnya/ Other expenses 132,999 103,422

Pendapatan (Beban) Operasional Selain Bunga Bersih/ Net Operational Income (Expenses) other than Interest

330,835 152,628

LABA (RUGI) OPERASIONAL/ Operational Profit (Loss) 960,248 673,486

PENDAPATAN DAN BEBAN NON OPERASIONAL/ NON OPERATIONAL INCOME AND EXPENSES

1 Keuntungan (kerugian) penjualan aset tetap dan inventaris/ Gain (loss) on sale of fixed assets and equipment

327 -

2 Keuntungan (kerugian) penjabaran transaksi valuta asing/ Gain (loss) on foreign exchange translation

(65,702) 7,399

3 Pendapatan (beban) non operasional lainnya/ Other non operational income (expenses) 426 360



LABA (RUGI) NON OPERASIONAL

(64,949) 7,759

LABA (RUGI) TAHUN BERJALAN SEBELUM PAJAK 895,299 681,245

Pajak penghasilan

a. Taksiran pajak tahun berjalan 181,473 157,265

b. Pendapatan (beban) pajak tangguhan (47,893) (17,756)

LABA (RUGI) TAHUN BERJALAN SETELAH PAJAK BERSIH/ CURRENT YEAR PROFIT (LOSS) AFTER TAX

665,933 506,224

PENDAPATAN KOMPREHENSIF LAIN/ OTHER COMPREHENSIVE INCOMEa. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing/ Adjustment on foreign currency financial statement translation

- -

b. Keuntungan (kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk dijual/ Gain (loss) on value changes in financial assets categorized as available for sale

(831) (688)

c. Bagian efektif dari lindung nilai arus kas/ Effective portion of cash flow hedge - -

d. Keuntungan revaluasi aset tetap/ Gain on fixed assets revaluation - -

e. Bagian pendapatan komprehensif lain dari entitas asosiasi/ Portion of other comprehensive income from associates

- -

f. Keuntungan (kerugian) aktuarial program manfaat pasti/ Gain (loss) on defined benefit actuarial program

- -

g. Pajak penghasilan terkait dengan laba komprehensif lain/ Income tax of other comprehensive income

(208) (172)

h. Lainnya/ Others - -

Pendapatan komprehensif lain tahun berjalan - net pajak penghasilan terkait/ Other comprehensive income of the current year - net of income tax

(623) (516)

TOTAL LABA KOMPREHENSIF TAHUN BERJALAN/ TOTAL CURRENT YEAR COMPREHENSIVE PROFIT 665,310 505,708

Laba yang dapat diatribusikan kepada : / Profit attributable to :

PEMILIK/ OWNER 665,933 506,224

KEPENTINGAN NON PENGENDALI/ MINORITY INTEREST - -

TOTAL LABA TAHUN BERJALAN/ TOTAL CURRENT YEAR PROFIT 665,933 506,224

Total laba komprehensif yang dapat diatribusikan kepada : / Total comprehensive profit attributable to :

PEMILIK/ OWNER 665,310 505,708

KEPENTINGAN NON PENGENDALI/ MINORITY INTEREST - -

TOTAL LABA KOMPREHENSIF TAHUN BERJALAN/ TOTAL CURRENT YEAR COMPREHENSIVE PROFIT 665,310 505,708

TRANSFER LABA (RUGI) KE KANTOR PUSAT/ TRANSFER OF PROFIT (LOSS) TO HEAD OFFICE - -

DIVIDEN/ DEVIDEND 50,622 43,617

LABA BERSIH PER SAHAM/ NET EARNINGS PER SHARE - -


Laporan Laba Rugi Komprehensif/ Statement Of Comprehensive Income

Periode 1 Januari s/d 31 Desember 2013 dan 2012/ Period 1 January to 31 December 2013 and 2012

(dalam Jutaan Rupiah)/ (In Million Rupiah)

No. Pos-pos/ Accounts 31 Dec 2013 31 Dec 2012



Laporan Komitmen dan Kontinjensi / Commitments and Contingencies StatementPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012



I. Tagihan Komitmen/ Commitment Receivables1. Fasilitas pinjaman yang belum ditarik/ Unused borrowing facilities

a. Rupiah 500,000 500,000

b. Valuta asing 2,929,728 167,644

2. Posisi pembelian spot dan derivatif yang masih berjalan/Spot and derivatives bought in process of settlement

12,081,193 7,887,025

3. Lainnya/ Others - -

II. Kewajiban Komitmen/ Commitment Liabilities1. Fasilitas kredit kepada nasabah yang belum ditarik

Unused credit facilites granted to customers

a. BUMN/ State-owned enterprises

i. Committed

- Rupiah - 550,000

- Valuta Asing - -

ii. Uncommitted

- Rupiah 62,946 75,963

- Valuta Asing 1,846,200 282,541

b. Lainnya/ Others

i. Committed 945,082 955,406

ii. Uncommitted 22,233,080 13,675,727

2. Fasilitas kredit kepada Bank lain yang belum ditarikUnused credit facilities granted to other Banks

a. Committed

i. Rupiah - -

ii. Valuta asing - -

b. Uncommitted

i. Rupiah - -

ii. Valuta asing - -

3. Irrevocable L/C yang masih berjalan/ Outstanding irrevocable L/C

a. L/C luar negeri/ Offshore L/C 198,798 398,081

b. L/C dalam negeri/ Local L/C 31,937 20,679

4. Posisi penjualan spot dan derivatif yang masih berjalanSpot and derivative sold in process of settlement

11,473,934 6,903,525




III. Tagihan Kontinjensi/ Contingencies Receivables1. Garansi yang diterima/ Guarantees Received

a. Rupiah 5,955,553 5,433,991

b. Valuta asing 14,893,723 7,437,818

2. Pendapatan bunga dalam penyelesaian/ Interest in process of settlement

a. Bunga kredit yang diberikan/ Interest from loan granted 470 33,069

b. Bunga lainnya/ Other interest - -


IV. Kewajiban Kontinjensi/ Contingencies Liabilities1. Garansi yang diberikan/ Guarantees Issued

a. Rupiah 414,693 468,214

b. Valuta Asing 1,676,328 1,408,073



Laporan Komitmen dan Kontinjensi / Commitments and Contingencies StatementPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012



Kualitas Aset Produktif dan Informasi Lainnya / Productive Assets Quality and Other InformationPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012

(dalam jutaan Rupiah / In Million Rupiah)


Kualitas Aset Produktif dan Informasi Lainnya / Productive Assets Quality and Other InformationPer 31 Desember 2013 / As of 31 December 2013


No. Pos - Pos/ Accounts L/C DPK/SM KL/SS D/D M /L Total L/C DPK/SM KL/SS D/D M/L Total

I. Pihak Terkait/ Related Parties1. Penempatan Pada Bank Lain/ Placement with other Banks 823,962 - - - - 823,962 608,689 - - - - 608,689

2. Tagihan spot dan derivatif/ Spot and derivative receivables 4,551 - - - - 4,551 924 - - - - 924

3. Surat Berharga/ Marketable Securities - - - - - - - - - - - -

4. Surat berharga yang dijual dengan janji dibeli kembali (Repo)/ Securities sold under repurchase agreements (repo)

- - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)/Securuties purchased under resale agreements (reserve repo)

- - - - - - - - - - - -

6. Tagihan Akseptasi/ Aceptance Receivables - - - - - - - - - - - -

7. Kredit/ Loans

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)/Micro, Small, and Medium Scale Business

- - - - - - - - - - - -

b. Bukan debitur UMKM/ Non Micro, Small, and Medium Scale Business 664,007 - - - - 664,007 286,402 - - - - 286,402

c. Kredit yang direstrukturisasi/ Restructured Loans - - - - - - - - - - - -

d. Kredit properti/ Property Loans - - - - - - - - - - - -

8. Penyertaan/ Equity investment participation 22,500 - - - - 22,500 22,500 - - - - 22,500

9. Penyertaan Modal Sementara/ Temporary Investment Participation - - - - - - - - - - - -

10. Komitmen dan Kontinjensi/ Commitments and contingencies 2,286,004 - - - - 2,286,004 1,231,480 - - - - 1,231,480

11. Aset yang diambil alih/ Collateral taken over - - - - - - - - - - - -

II. Pihak Tidak Terkait/ Non-Related Parties 1. Penempatan Pada Bank Lain/ Placement with othe Banks 3,377,791 - - - - 3,377,791 1,382,179 - - - - 1,382,179

2. Tagihan spot dan derivatif/ Spot and derrivative receivables 1,332,946 905 440 - - 1,334,291 256,318 - 21 - - 256,339

3. Surat Berharga/ Marketable Securities 1,677,107 - - - - 1,677,107 1,970,427 - - - - 1,970,427

4. Surat berharga yang dijual dengan janji dibeli kembali (Repo)/Securities sold under repurchase agreements (repo)

- - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)Receivable on securities purchased under resale agreements (reserve repo)

- - - - - - - - - - - -

6. Tagihan Akseptasi/ Acceptance Receivables 158,005 - 18,620 - - 176,625 121,297 - - - - 121,297

7. Kredit/ Loans


- - - - - - - - - - - -

b. Bukan debitur UMKM/ Non Micro, Small and Medium Scale Business 31,840,623 1,711,643 4,789 73,397 53,466 33,683,918 22,201,723 499,735 118,695 1,604 41,261 22,863,018

c. Kredit yang direstrukturisasi/ Restructed Loans - - - - - - - - - - 780 780

d. Kredit properti/ Property Loans 6,085 - - - - 6,085 4,819 - - - - 4,819

8. Penyertaan/ Equity investment participation - - - - - - - - - - - -

9. Penyertaan Modal Sementara/ Temporary investment Participation - - - - - - - - - - - -

10. Komitmen dan Kontinjensi/ Commitments and contingencies 35,667,125 920,002 9,867 - - 36,596,994 22,955,513 536,568 14,648 - - 23,506,729





I. Pihak Terkait/ Related Parties1. Penempatan Pada Bank Lain/ Placement with other Banks 823,962 - - - - 823,962 608,689 - - - - 608,689

2. Tagihan spot dan derivatif/ Spot and derivative receivables 4,551 - - - - 4,551 924 - - - - 924

3. Surat Berharga/ Marketable Securities - - - - - - - - - - - -

4. Surat berharga yang dijual dengan janji dibeli kembali (Repo)/ Securities sold under repurchase agreements (repo)

- - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)/Securuties purchased under resale agreements (reserve repo)

- - - - - - - - - - - -

6. Tagihan Akseptasi/ Aceptance Receivables - - - - - - - - - - - -

7. Kredit/ Loans


- - - - - - - - - - - -

b. Bukan debitur UMKM/ Non Micro, Small, and Medium Scale Business 664,007 - - - - 664,007 286,402 - - - - 286,402

c. Kredit yang direstrukturisasi/ Restructured Loans - - - - - - - - - - - -

d. Kredit properti/ Property Loans - - - - - - - - - - - -

8. Penyertaan/ Equity investment participation 22,500 - - - - 22,500 22,500 - - - - 22,500

9. Penyertaan Modal Sementara/ Temporary Investment Participation - - - - - - - - - - - -

10. Komitmen dan Kontinjensi/ Commitments and contingencies 2,286,004 - - - - 2,286,004 1,231,480 - - - - 1,231,480

11. Aset yang diambil alih/ Collateral taken over - - - - - - - - - - - -

II. Pihak Tidak Terkait/ Non-Related Parties 1. Penempatan Pada Bank Lain/ Placement with othe Banks 3,377,791 - - - - 3,377,791 1,382,179 - - - - 1,382,179

2. Tagihan spot dan derivatif/ Spot and derrivative receivables 1,332,946 905 440 - - 1,334,291 256,318 - 21 - - 256,339

3. Surat Berharga/ Marketable Securities 1,677,107 - - - - 1,677,107 1,970,427 - - - - 1,970,427

4. Surat berharga yang dijual dengan janji dibeli kembali (Repo)/Securities sold under repurchase agreements (repo)

- - - - - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo)Receivable on securities purchased under resale agreements (reserve repo)

- - - - - - - - - - - -

6. Tagihan Akseptasi/ Acceptance Receivables 158,005 - 18,620 - - 176,625 121,297 - - - - 121,297

7. Kredit/ Loans


- - - - - - - - - - - -

b. Bukan debitur UMKM/ Non Micro, Small and Medium Scale Business 31,840,623 1,711,643 4,789 73,397 53,466 33,683,918 22,201,723 499,735 118,695 1,604 41,261 22,863,018

c. Kredit yang direstrukturisasi/ Restructed Loans - - - - - - - - - - 780 780

d. Kredit properti/ Property Loans 6,085 - - - - 6,085 4,819 - - - - 4,819

8. Penyertaan/ Equity investment participation - - - - - - - - - - - -

9. Penyertaan Modal Sementara/ Temporary investment Participation - - - - - - - - - - - -

10. Komitmen dan Kontinjensi/ Commitments and contingencies 35,667,125 920,002 9,867 - - 36,596,994 22,955,513 536,568 14,648 - - 23,506,729



Kualitas Aset Produktif dan Informasi Lainnya / Productive Assets Quality and Other InformationPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012

(dalam jutaan Rupiah / In Million Rupiah)



11. Aset yang diambil alih/ Collateral taken over 109 - - - - 109 486 - - - - 486

III. Informasi Lain/ Other Informations1. Total aset Bank yang dijaminkan/ Bank’s assets pledged as collateral - -

a. Pada Bank Indonesia/ To Bank Indonesia - -

b. Pada pihak lain/ To other parties - -

2. Total CKPN aset keuangan atas aset produktif/ Total allowance for impairment losses on productive assets

45,842 52,223

3. Total PPA yang wajib dibentuk atas aset/Total mandatory allowance for possible losses on assets

608,526 342,667

4. Persentase kredit kepada UMKM terhadap total kredit/Percentage of Micro, Small and Medium scale business loans to total loans

- -

5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit/Percentage of Micro, Small, and Medium scale business loans to total loans

- -

6. Persentase jumlah debitur UMKM terhadap total debitur/Percentage of debtors from Micro, Small and Medium scales business to total debtors

- -

7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur/Percentage of debtors from Micro, Small scale business to total debtors

- -

8. Lainnya/ Others

a. Penerusan kredit/ Channelling loans - -

b. Penyaluran dana Mudharabah Muqayyadah/ Distribution of Mudharabah Muqayyadah

- -

c. Aset Produktif yang dihapus buku/ Written-off of productive assets 15,351 2,253

d. Aset produktif dihapus buku yang dipulihkan/ berhasil ditagihRecovery of written-of productive assets

506 69

e. Aset produktif yang dihapus tagih/ Written-off of productive assets with elimination right to collect

22,315 5,597








11. Aset yang diambil alih/ Collateral taken over 109 - - - - 109 486 - - - - 486

III. Informasi Lain/ Other Informations1. Total aset Bank yang dijaminkan/ Bank’s assets pledged as collateral - -

a. Pada Bank Indonesia/ To Bank Indonesia - -

b. Pada pihak lain/ To other parties - -

2. Total CKPN aset keuangan atas aset produktif/ Total allowance for impairment losses on productive assets

45,842 52,223

3. Total PPA yang wajib dibentuk atas aset/Total mandatory allowance for possible losses on assets

608,526 342,667

4. Persentase kredit kepada UMKM terhadap total kredit/Percentage of Micro, Small and Medium scale business loans to total loans

- -

5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit/Percentage of Micro, Small, and Medium scale business loans to total loans

- -

6. Persentase jumlah debitur UMKM terhadap total debitur/Percentage of debtors from Micro, Small and Medium scales business to total debtors

- -

7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur/Percentage of debtors from Micro, Small scale business to total debtors

- -

8. Lainnya/ Others

a. Penerusan kredit/ Channelling loans - -

b. Penyaluran dana Mudharabah Muqayyadah/ Distribution of Mudharabah Muqayyadah

- -

c. Aset Produktif yang dihapus buku/ Written-off of productive assets 15,351 2,253

d. Aset produktif dihapus buku yang dipulihkan/ berhasil ditagihRecovery of written-of productive assets

506 69

e. Aset produktif yang dihapus tagih/ Written-off of productive assets with elimination right to collect

22,315 5,597



Cadangan Penyisihan Kerugian / Alllowance for Possible LossPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012


Transaksi Spot dan Derivatif / Spot and Derivative TransactionsPer 31 Desember 2013 / As of 31 December 2013


Tujuan/ Tagihan dan Kewajiban Derivatif

No. Transaksi/ Transaction Nilai Notional Purpose Derivative Receivable and Liability

Notional Amount Trading Hedging Tagihan/ Receivables Kewajiban/ Liability

A. Terkait dengan Nilai Tukar/ Related to Foreign Exchange 1. Spot 157,089 154,194 2,895 216 606

2. Forward 2,136,518 - 2,136,518 47,579 55,486

3. Option

a. Jual/ Put - - - - -

b. Beli/ Call - - - - -

4. Future - - - - -

5. Swap 2,531,482 - 2,531,482 32,804 21,899

6. Lainnya/ Others - - - - -

B. Terkait dengan Suku Bunga/ Related to Interest Rate 1. Forward - - - - -

2. Option

a. Jual/ Put - - - - -

b. Beli/ Call - - - - -

3. Future - - - - -

4. Swap 4,474,658 - 4,474,658 42,639 16,033


C. Lainnya/ Others 11,846,296 - 11,846,296 1,215,604 1,167,630

JUMLAH 21,146,043 154,194 20,991,849 1,338,842 1,261,654

31 Desember 2013/ 31 December 2013 31 Desember 2012/ 31 December 2012

No Pos - Pos/ Accounts CKPN/ IMPAIRMENT

PPA wajib dibentuk/ Mandatory Provision

CKPN/ IMPAIRMENT


Individual/Individual

Kolektif/Collective

Umum/General

Khusus/Specific


Kolektif/Collective

Umum/General

Khusus/Specific

1. Penempatan pada Bank Lain/ Placement with other Banks - - 42,018 - - - 19,909 -

2. Tagihan Spot dan Derivatif/ Spot and derivative receivables - - 12,043 111 - - 2,426 3

3. Surat Berharga/ Marketable securities - - 5,995 - - - 14,518 -

4. Surat Berharga yang dijual dengan janji dibeli kembali (repo)/ Securities sold under repurchase agreements (repo) - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (Reverse repo)/ Securities purchased under resale agreements (reserve repo) - - - - - - - -

6. Tagihan Akseptasi/ Acceptance receivables - 30 1,580 2,793 - 15 1,213 -

7. Kredit/ Loans 35,888 9,921 301,303 176,465 42,500 9,047 179,719 83,852

8. Penyertaan/ Equity investment participation - - 225 - - - 225 -

9. Penyertaan Modal Sementara/ Temporary Investments Participation - - - - - - - -

10 Transaksi rekening administratif/ Off balance sheet transactions - - 20,305 45,655 - - 11,727 29,025


Tujuan/ Tagihan dan Kewajiban Derivatif

No. Transaksi/ Transaction Nilai Notional Purpose Derivative Receivable and Liability

Notional Amount Trading Hedging Tagihan/ Receivables Kewajiban/ Liability

A. Terkait dengan Nilai Tukar/ Related to Foreign Exchange 1. Spot 157,089 154,194 2,895 216 606

2. Forward 2,136,518 - 2,136,518 47,579 55,486

3. Option

a. Jual/ Put - - - - -

b. Beli/ Call - - - - -

4. Future - - - - -

5. Swap 2,531,482 - 2,531,482 32,804 21,899


B. Terkait dengan Suku Bunga/ Related to Interest Rate 1. Forward - - - - -

2. Option

a. Jual/ Put - - - - -

b. Beli/ Call - - - - -

3. Future - - - - -

4. Swap 4,474,658 - 4,474,658 42,639 16,033


C. Lainnya/ Others 11,846,296 - 11,846,296 1,215,604 1,167,630

JUMLAH 21,146,043 154,194 20,991,849 1,338,842 1,261,654



No Pos - Pos/ Accounts CKPN/ IMPAIRMENT


CKPN/ IMPAIRMENT



Kolektif/Collective

Umum/General

Khusus/Specific


Kolektif/Collective

Umum/General

Khusus/Specific

1. Penempatan pada Bank Lain/ Placement with other Banks - - 42,018 - - - 19,909 -

2. Tagihan Spot dan Derivatif/ Spot and derivative receivables - - 12,043 111 - - 2,426 3

3. Surat Berharga/ Marketable securities - - 5,995 - - - 14,518 -

4. Surat Berharga yang dijual dengan janji dibeli kembali (repo)/ Securities sold under repurchase agreements (repo) - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (Reverse repo)/ Securities purchased under resale agreements (reserve repo) - - - - - - - -

6. Tagihan Akseptasi/ Acceptance receivables - 30 1,580 2,793 - 15 1,213 -

7. Kredit/ Loans 35,888 9,921 301,303 176,465 42,500 9,047 179,719 83,852

8. Penyertaan/ Equity investment participation - - 225 - - - 225 -

9. Penyertaan Modal Sementara/ Temporary Investments Participation - - - - - - - -

10 Transaksi rekening administratif/ Off balance sheet transactions - - 20,305 45,655 - - 11,727 29,025

Transaksi Spot dan Derivatif / Spot and Derivative TransactionsPer 31 Desember 2013 / As of 31 December 2013


Cadangan Penyisihan Kerugian / Alllowance for Possible LossPer 31 Desember 2013 dan 2012 / As of 31 December 2013 and 2012




Sesuai dengan Peraturan Bank Indonesia Nomor 3/22/PBI/2001 tanggal 13 Desember 2001 sebagaimana telah dirubah dengan Peraturan Bank Indonesia Nomor 14/14/PBI/2012 tanggal 18 Oktober 2012 tentang Transparansi dan Publikasi Laporan Bank, maka dibawah ini adalah Laporan Posisi Keuangan Konsolidasian per 31 Desember 2013 dan 31 Maret 2013 (tahun buku Sumitomo Mitsui Financial Group, Inc. adalah per 31 Maret), serta Laporan Laba Rugi Komprehensif Konsolidasian Sumitomo Mitsui Financial Group, Inc. untuk tanggal dan periode sembilan bulan yang berakhir pada tanggal 31 Desember 2013 dan 2012 yang disusun berdasarkan Standad Akuntasi Keuangan Jepang (Japanese GAAP). Sumitomo Mitsui Financial Group, Inc. adalah pemegang 100% saham Sumitomo Mitsui Banking Corporation yang pada tanggal 31 Desember 2013 merupakan pemegang 98.48% saham PT Bank Sumitomo Mitsui Indonesia, sehingga Sumitomo Mitsui Financial Group, Inc. merupakan pemegang saham pengendali PT Bank Sumitomo Mitsui Indonesia.

Based on Bank Indonesia Regulation Number 3/22/PBI/2001 dated 13 December 2001 as amended by Bank Indonesian Regulation Number 14/14/PBI/2012 dated 18 October 2012 concerning Transparency and Publication of the Bank’s Report, thus below is the Consolidated Financial Statement as of 31 December 2013 and 31 March 2013 (the closing book of Sumitomo Mitsui Financial Group, Inc is 31 March), as well as Consolidated Statements of Comprehensive Income for date and period of 9 (nine) months that end on 31 December 2013 and 2012 as accordance with the Japanese GAAP. Sumitomo Mitsui Financial Group, Inc is the 100% shareholders of Sumitomo Mitsui Banking Corporation that on 31 December 2013 is the owner of 98.48% share of PT Bank Sumitomo Mitsui Indonesia; therefore Sumitomo Mitsui Financial Group, Inc is the ultimate shareholder of PT Bank Sumitomo Mitsui Indonesia.


Sumitomo Mitsui Financial Group, Inc.Consolidated Statements of Financial Position

As of 31 December 2013 and 2012 (In JPY Million)

31 Dec 2013 31 Mar 2013

Assets:Cash and due from banks 27,621,540 10,799,291

Call Loans and bills bought 1,226,246 1,353,746

Receivables under resale agreements 433,996 273,217

Receivables under securities borrowing transactions 4,229,670 3,494,398

Monetary claims bought 3,585,458 1,540,516

Trading assets 7,386,937 7,765,554

Money held in trust 23,903 22,789

Securities 26,920,907 41,306,731

Loans and bills discounted 68,160,382 65,632,091

Foreign exchanges 1,771,667 2,226,427

Lease receivables and investment assets 1,786,004 1,684,800

Other assets 4,855,473 4,367,634

Tangible fixed assets 2,273,805 1,983,772

Intangible fixed assets 801,073 790,860

Deferred tax assets 175,690 374,258

Customers’ liabilities for acceptances and guarantees 6,655,728 6,009,575

Reserve for possible loan losses (805,252) (928,866)

Total assets 157,103,235 148,696,800

Liabilities:Deposits 92,829,768 89,081,811

Negotiable certificates of deposit 12,901,169 11,755,654

Call money and bills sold 2,620,160 2,954,051

Payables under repurchase agreements 1,911,793 2,076,791

Payables under securities lending transactions 3,974,060 4,433,835

Commercial paper 2,661,998 1,499,499

Trading liabilities 5,646,355 6,119,631

Borrowed money 5,447,580 4,979,460

Foreign exchanges 497,842 337,901

Short-term bonds 1,117,499 1,126,300

Bonds 5,041,547 4,750,806

Due to trust account 680,132 643,350

Other liabilities 5,381,526 3,989,794

Reserve for employee bonuses 33,837 59,855

Reserve for executive bonuses - 4,037

Reserve for employee retirement benefits 44,696 44,579

Reserve for executive retirement benefits 1,827 2,420

Reserve for point service program 19,357 19,319

Reserve for reimbursement of deposits 7,597 11,195

Reserve for losses on interest repayment 163,713 245,423

Reserves under the special laws 762 481

Deferred tax liabilities 124,539 68,120

Deferred tax liabilities for land revaluation 38,705 39,683

Acceptances and guarantees 6,655,728 6,009,575

Total liabilities 147,802,200 140,253,582



Sumitomo Mitsui Financial Group, Inc.Consolidated Statements of Financial Position

As of 31 December 2013 and 2012 (In JPY Million)

31 Dec 2013 31 Mar 2013

Net assets:Capital stock 2,337,895 2,337,895

Capital surplus 758,347 758,630

Retained earnings 3,349,313 2,811,474

Treasury stock (175,067) (227,373)

Total stockholder’s equity 6,270,489 5,680,627

Net unrealized gains on other securities 1,089,526 755,753

Net deferred losses on hedges (69,084) (32,863)

Land revaluation excess 35,852 39,129

Foreign currency translation adjustments (47,608) (97,448)

Total accumulated other comprehensive income 1,008,686 664,570

Stock acquisition rights 1,658 1,260

Minority interests 2,020,201 2,096,760

Total net assets 9,301,035 8,443,218

Total liabilities and net assets 157,103,235 148,696,800


Sumitomo Mitsui Financial Group, Inc.Consolidated Statements of Income

For Nine Months Ended 31 December 2013 and 2012 (In JPY Million)

31 Dec 2013 31 Dec 2012

Ordinary income 3,518,671 3,184,227

Interest income 1,364,485 1,265,027

Interest on loans and discounts 942,437 949,010

Interest and dividends on securities 265,734 188,282

Trust fees 1,741 1,420

Fees and commissions 830,318 731,057

Trading income 195,209 132,655

Other operating income 914,816 973,645

Other income 212,099 80,422

Ordinary expenses 2,351,586 2,354,536

Interest expenses 239,655 229,422

Interest on deposits 78,888 69,781

Fees and commissions payments 98,244 105,230

Trading losses 30,222 -

Other operating expenses 717,284 698,666

General and administrative expenses 1,169,849 1,090,355

Other expenses 96,329 230,860

Ordinary profit 1,167,084 829,691

Extraordinary gains 1,394 438

Extraordinary losses 3,703 5,242


Sumitomo Mitsui Financial Group, Inc.Consolidated Statements of Comprehensive Income


31 Dec 2013 31 Dec 2012

Income before minority interests 810,529 647,879

Other comprehensive income 402,688 15,689

Net unrealized losses on other securities 341,598 (15,156)

Net deferred gains (losses) on hedges (35,013) 6,711

Foreign currency translation adjustments 103,014 23,445

Share of other comprehensive income of affiliates (6,910) 688

Total comprehensive income 1,213,217 663,568

Comprehensive income attributable to shareholders of the parent 1,052,097 539,621

Comprehensive income attributable to minority interests 161,120 123,947


31 Dec 2013 31 Dec 2012

Income before income taxes and minority interests 1,164,775 824,887

Income taxes current 260,997 196,349

Income taxes deferred 93,248 (19,341)

Income taxes 354,245 177,008

Income before minority interests 810,529 647,879

Minority interests in net income 105,824 97,471

Net income 704,705 550,407

Sumitomo Mitsui Financial Group, Inc.Consolidated Statements of Income



Laporan ManajemenManagement Report


Laporan KepatuhanCompliance Report

Sepanjang tahun 2013, Bank telah senantiasa menerapkan prinsip kehati-hatian dan pemenuhan terhadap seluruh ketentuan yang dikeluarkan oleh Bank Indonesia serta pihak otoritas lainnya seperti Direktorat Jenderal Pajak, Lembaga Penjamin Simpanan (LPS) dan peraturan perundang-undangan lainnya.

Seiring dengan meningkatnya tingkat risiko dalam kegiatan perbankan, Bank senantiasa berkomitmen untuk menerapkan tata kelola perusahaan yang baik dan menerapkan prinsip kehati-hatian dalam mewujudkan terlaksananya “Budaya Kepatuhan” serta meningkatkan mitigasi risiko di semua tingkat organisasi dan kegiatan usaha Bank.

Langkah-langkah untuk mendukung terciptanya “Budaya Kepatuhan” antara lain melalui pembuatan sistem, program, serta pedoman kepatuhan. Pedoman Kepatuhan disusun dan terus diperbaharui untuk memberikan panduan mendasar kepada seluruh karyawan terhadap ketentuan-ketentuan kepatuhan dan etika kerja, serta prinsip-prinsip perlindungan nasabah.

Dalam rangka melaksanakan fungsi kepatuhan untuk memastikan kepatuhan Bank terhadap berbagai regulasi, Bank melakukan hal-hal sebagai berikut:

• Mengambil langkah-langkah untuk mendukung terciptanya Budaya Kepatuhan Bank, yaitu:

- Memberi informasi serta mengusulkan kebijakan kepatuhan kepada Dewan Komisaris, Dewan Direksi dan seluruh karyawan mengenai penerbitan setiap ketentuan baru baik dari Bank Indonesia maupun pihak otoritas lainnya.

- Melakukan pelatihan internal terkait dengan topik-topik

Along year 2013, the Bank has continuously implemented prudential banking principles and fulfilled stipulations issued by Bank Indonesia and other authorities such as Directorate General of Taxation, Indonesia Deposit Insurance Corporation (IDIC), and other prevailing laws and regulations.

In line with the increase of risk level in the banking activity, the Bank continuously committed to apply Good Corporate Governance and implement prudent principle in order to establish the implementation of “Compliance Culture” as well as enhance the risk mitigation in organization levels and business activities of the Bank.

The Bank has conducted several actions in order to support the establishment of “Compliance Culture” such as through development of systems, programs, and compliance manual. The Compliance Manual was developed and remains updated to provide all employees with basic guidance of compliance stipulations and work ethic, as well as customer protection principles.

In its efforts to ensure the Bank’s compliance to various regulations, the Bank has performed the following actions:

• Took necessary actions to support the Bank’s Compliance Culture:

- Provided information and suggest compliance policy to Board of Commissioners, Board of Directors, and all employees regarding issuance of stipulations of Bank Indonesia and other authorities.

- Conducted internal training related to compliance

“Selama tahun 2013 tidak terdapat pelanggaran yang signifikan terhadap ketentuan Bank Indonesia dan/atau peraturan perundang-undangan yang berlaku.”

“There is no significant violence towards Bank Indonesia Regulations and/ or other prevailing regulations along year 2013.”


Laporan KepatuhanCompliance Report

kepatuhan, study meeting, serta menugaskan karyawan dari departemen terkait untuk menghadiri sosialisasi yang diselenggarakan oleh Bank Indonesia dan institusi lainnya.

- Membahas masalah yang berhubungan dengan kepatuhan Bank terhadap peraturan yang berlaku dan memantau tindak lanjut yang harus dilakukan oleh Bank sehubungan dengan penerbitan beragam peraturan Bank Indonesia dalam Rapat Kepatuhan bulanan yang dihadiri oleh Direksi dan semua Kepala Departemen.

- Memantau penyampaian berbagai laporan kepada Bank Indonesia dan otoritas lainnya.

- Membuat revisi/kajian ulang terhadap kebijakan dan prosedur manual untuk mendapatkan kepastian bahwa aturan internal Bank sudah sesuai dengan peraturan Bank Indonesia dan undang-undang serta ketentuan lain yang berlaku.

- Melakukan “Penilaian Risiko Kepatuhan” dan “Self-Review Kepatuhan” secara berkala.

- Membuat Rencana Kerja Kepatuhan yang disusun berdasarkan hasil “Penilaian Risiko Kepatuhan” serta senantiasa melakukan pemantauan terhadap realisasi dari Rencana Kerja tersebut.

• Memantau kepatuhan Bank terhadap pemenuhan prinsip kehati-hatian seperti Kewajiban Penyediaan Modal Minimum (CAR), Batas Maksimum Pemberian Kredit(BMPK), Posisi Devisa Neto (PDN), Giro Wajib Minimum(GWM), Kredit Bermasalah dan Penilaian Kualitas Aktiva.

• Memantau kemajuan penyelesaian hasil temuan pemeriksaan Bank Indonesia dan memastikan bahwarekomendasi Bank Indonesia ditindaklanjuti dan dilaksanakan.

Selama tahun 2013, tidak terdapat pelanggaran yang signifikan terhadap ketentuan Bank Indonesia dan/atau peraturan perundang-undangan yang berlaku.

subjects, study meetings, and assigned staffs from related department to attend disseminations held by Bank Indonesia and other institutions.

- Discussed issues related to the Bank’s compliance to the prevailing regulations and monitored the follow up actions that shall be taken by the Bank in relation to the issuance of various Bank Indonesia regulations in the monthly Compliaance Meeting which was attended by Board of Directors and all Department Heads

- Monitored submission of reportsto Bank Indonesia and other authorities.

- Revised/ reviewed regulations and manual procedures to ensure the Bank’s internal policies has been in accordance with the prevailing Bank Indonesia Regulations and other prevailing laws and regulations.

- Conducted “Compliance Risk Assessment” and “Compliance Self-Review” periodically.

- Prepared Compliance Action Plan, which was made based on “Compliance Risk Assessment” and conducted regular monitoring towards the realization of such Action Plan.

• Monitored the compliance of the Bank to the prudent banking principles, such as Minimum Capital Requirement (CAR), Legal Lending Limit (LLL), Net Open Position (NOP), Minimum Reserve Requirement (MRR), Non-Performing Loan, Non Performing Loan, and Asset Quality Rating.

• Monitored the progress of Bank Indonesia’s findings and ensure Bank Indonesia’s recommendations have been followed-up and implemented.

There is no significant violence towards Bank Indonesia Regulations and/ or other prevailing regulations along year 2013.


Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan TerorismeThe Implementation of Anti-Money Laundering and Combating Financing of Terrorism Program

Secara umum industri perbankan sangat rentan terhadap kemungkinan digunakan sebagai media pencucian uang dan pendanaan terorisme. Layanan perbankan dengan berbagai pilihan transaksi yang semakin memudahkan nasabah, memungkinkan bagi pelaku pencucian uang untuk mengalokasikan harta kekayaannya yang berasal dari hasil tindak pidana ke dalam sistem perbankan (keuangan) ataupun digunakan sebagai sarana bagi pelaku pendanaan terorisme untuk melancarkan tindak kejahatannya. Oleh karena itu, Bank terus melakukan upaya untuk menyempurnakan kualitas penerapan program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) dalam upaya menjaga integritas sistem perbankan Indonesia. Untuk mendukung pelaksanaan kepatuhan Bank terhadap Program APU dan PPT, Bank senantiasa mengacu kepada Undang-Undang No. 8 tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang sebagai UU terkini terkait APU dan PPT yang dikeluarkan Pemerintah, Peraturan Bank Indonesia No. 14/27/PBI/2012 tanggal 28 Desember 2012 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Bagi Bank Umum, Surat Edaran Bank Indonesia No. 15/21/DPNP tanggal 14 Juni 2013 mengenai Panduan Standar Penerapan Program Anti Pencucian Uang dan Pencegahan

Banking industry, in general is very vulnerable toward the possibilities of being used as a medium of money laundering and terrorism financing. With range of services, banks have enabled its customers to make an effortless transaction which might aid the perpetrators of money laundering to allocate their wealth (that originates from the proceeds of crime) into the banking (financial) system or used as a means for the perpetrators of terrorism funding to smooth out their criminal acts. In order to maintain the integrity of the Indonesian banking system, the Bank continuously strives an effort for improving the implementation quality of Anti-Money Laundering (AML) and Combating Financing of Terrorism (CFT) Program.

To support its compliance toward the implementation of AML and CFT Program, the Bank constantly refers to Law No. 8 year 2010 on the Prevention and Eradication of Anti-Money Laundering, as the latest law related to AML & CFT that has been enforced by the Government, and Bank Indonesia Regulation No. 14/27/PBI/2012 dated 28 December 2012, regarding the Implementation of Anti-Money Laundering and Combating Financing of Terrorism Program for Commercial Banks, Bank Indonesia Circular Letter No. 15/21/DPNP dated 14 June 2013, concerningthe Guidelines of the Implementation Standard of Anti-Money

“Bank menjalankan usahanya sesuai dengan standar etika yang tinggi, terbukti dari komitmen penuh Bank dalam mendukung Program Anti-Pencucian Uang dan Pencegahan Pendanaan Terorisme.”

“The Bank has attempted to aim a high standard of ethic, which has been recognized by its full commitment to

support the implementation of Anti-Money Laundering and Combating Financing of Terrorism program.”


Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme

The Implementation of Anti-Money Laundering and Combating Financing of Terrorism Program

Pendanaan Terorisme bagi Bank Umum, dan juga Undang-Undang No. 9 tahun 2013 tanggal 13 Maret 2013 mengenai Pencegahan dan Pemberantasan Tindak Pidana Pendanaan Terorisme. Selain itu Bank juga telah mengakomodir berbagai ketentuan lain yang dikeluarkan oleh Pusat Pelaporan dan Analisa Transaksi Keuangan (PPATK) maupun oleh Regulator lainnya di sepanjang tahun 2013.

Sudah merupakan kebijakan dan komitmen Bank untuk selalu patuh kepada setiap peraturan perundang-undangan yang berlaku, dalam hal ini ketentuan dan peraturan mengenai pelaksanaan APU dan PPT dalam menjalankan kegiatan usahanya. Berikut ini beberapa upaya Bank pada tahun 2013 dalam melakukan berbagai aktivitas untuk meningkatkan kualitas pelaksanaan Program APU dan PPT:

Pengawasan Aktif Direksi dan Dewan Komisaris

Program APU dan PPT pada Bank dilaksanakan oleh unit kerja khusus yang dibentuk oleh Dewan Direksi, yaitu Anti-Money Laundering & Combating the Financing of Terrorism Unit (AML & CFT Unit). Dalam melakukan tugasnya, AML & CFT Unit diberikan kewenangan untuk mengakses seluruh data nasabah termasuk mutasi rekeningnya beserta informasi lain yang terkait agar dapat memantau transaksi nasabah maupun melakukan pengkinian profil nasabah.

Pengawasan aktif yang dilakukan oleh Dewan Direksi dengan mengadakan Rapat Kepatuhan yang diselenggarakan setiap bulan antara Dewan Direksi dengan para Kepala Departemen. Dalam rapat tersebut membahas dari penyusunan, penerapan hingga evaluasi kebijakan dan tantangan yang dihadapi Bank pada program APU dan PPT.

Pengawasan aktif yang dilakukan oleh Dewan Komisaris adalah dengan memberikan arahan serta tanggapan yang diperlukan terhadap penerapan Program APU dan PPT melalui rapat koordinasi antara Dewan Komisaris dan Dewan Direksi. Dalam rapat kordinasi tersebut Dewan Direksi memberikan informasi mengenai penerapan Program APU dan PPT.

Laundering and Combating Financing of Terrorism Program for Commercial Banks, and Law No. 9 year 2013 dated 13 March 2013, pertaining to the Prevention and Eradication of Financing Terrorism Acts.The Bank has also accommodated the regulations issued by Indonesia’s Financial Transaction Reports and Analysis Center (INTRAC) and other regulators throughout the year 2013.

It is the Bank’s policy and commitment to always comply with every prevailing laws and regulations, including the provisions and regulations of the AML and CFT implementation in conducting its business activities. To improve the quality of AML and CFT Program implementation, the Bank conducted several activities during 2013:

Active Supervision by the Board of Directors and Board ofCommissioners

The Bank’s AML and CFT Program was conducted by a special unit established by the Board of Directors and named Anti-Money Laundering & Combating the Financing of Terrorism Unit (AML & CFT Unit). In performing its duties, the AML & CFT Unit was authorized to access all customers’ information including transaction history and other related information to monitor customers’ transaction and to update customers’ profile.

Active supervision conducted by the Board of Directors has been held every month in a Compliance Meeting attended by the Board of Directors and all Department Heads. The meeting deliberated the formulation, implementation, and evaluation of policies and challenges the Bank faced towards the AML and CFT Program.

Board of Commissionaires also provided advices and guidance of necessary action should be taken in the implementation of AML and CFT Programs as part of its active monitoring. The deliberation held through a coordination meeting of Board of Commissionaires and Board of Directors, while Board of Directors gave information in regard to the implementation of AML and CFT programs.


Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan TerorismeThe Implementation of Anti-Money Laundering and Combating Financing of Terrorism Program

Kebijakan dan Prosedur

Pada akhir tahun 2013 Bank melakukan penyempurnaan terhadap Pedoman Prosedur APU dan PPT (The 6th Revision of the Procedure Manual For Anti-Money Laundering And Combating Financing of Terrorism) serta Pedoman Standar Pelaksanaan Program APU dan PPT (The 10th Revision of Standard Guidance On The Implementation of Anti-Money Laundering & Combating Financing of Terrorism Program). Penyempurnaan ini terutama dilakukan untuk menyesuaikan dengan ketentuan Undang-undang, Bank Indonesia, PPATK, serta kebijakan SMBC terkait pelaksanaan APU dan PPT.

Pengendalian Intern

Fungsi pengendalian internal dalam penerapan Program APU dan PPT diimplementasikan oleh Satuan Kerja Audit Internal (SKAI) yang bertanggung jawab kepada Direktur Utama. SKAI melakukan pemeriksaan secara berkala terhadap efektivitas, kesesuaian dengan kebijakan internal yang ditetapkan oleh Bank, serta kelemahan maupun penyimpangan yang terjadi dalam pelaksanaan Program APU dan PPT pada Bank. Independent Review

Untuk menilai secara independen, Bank juga melakukan Independent Review terhadap pelaksanaan Program APU dan PPT yang melingkupi:

• Program Identifikasi Nasabah (CIP)• Laporan Transaksi Keuangan yang Mencurigakan (LTKM)• Kepatuhan terhadap kebijakan OFAC (US Treasury Department’s Office of Foreign Assets Control)• Uji Tuntas Nasabah/Customer Due Diligent (CDD). CDD yang dilakukan oleh Bank dilaksanakan dengan menggunakan metodologi pendekatan berbasis risiko.

Independent Review dilakukan baik secara triwulanan dan semesteran dengan cakupan pemeriksaan yang berbeda.

Policy and Procedure

By the end of 2013, the Bank has made an improvement towards the AML & CFT Procedure Manual (The 6th Revision of the Procedure Manual For Anti-Money Laundering and Combating Financing of Terrorism) and Standard Procedure of the AML & CFT Implementation (The 10th Revision of Anti-Money Laundering & Combating Financing of Terrorism Program). This improvement was made in order to adapt the government latest laws & regulations, Bank Indonesia, INTRAC, and SMBC policies related with the implementation of AML & CFT.

Internal Control

The internal control function in the implementation of AML and CFT program was performed by Internal Audit Department (IAD) that is directly reporting to President Director. The IAD is responsible to periodically assess the Bank internal policies’ effectiveness and adequacy, as well as the weaknesses and deviations occurred during the implementation of the Bank’s AML and CFT Program.

Independent Review

Besides internal control performed by IAD, the Bank also conducted Independent Review to the implementation of AML and CFT Program which includes:

• Customer Identification Program (CIP)• Suspicious Transaction Reports• OFAC Compliance (US Treasury Department’s Office of Foreign Assets Control)• Customer Due Diligence/ CDD. The CDD conducted by the Bank was implemented with Risk-Based Approach methodology.

The Independent Review has been conducted every quarter and semester with different coverage of assessment.


Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme

The Implementation of Anti-Money Laundering and Combating Financing of Terrorism Program

Sistem Informasi Manajemen

Sepanjang tahun 2013, Bank telah melakukan beberapa pengembangan sistem baru yang direncanakan akan berjalan live pada tahun 2014 untuk mendukung penerapan pemantauan transaksi dan juga penerapan program APU dan KYC dalam Bank, diantaranya sebagai berikut:

• Pengembangan sistem untuk pelaporan transaksi transfer dana dari/dan ke luar negeri kepada PPATK.

• Sistem e-KYC untuk mendukung proses pembukaan rekening maupun kajian berkala secara lebih efisien dan efektif.

• Sistem SAS sebagai sistem pendukung APU yang baru menggantikan sistem STB Detector.

Pengembangan sistem baru tersebut direncanakan akan berjalan live pada tahun 2014.

Sumber Daya Manusia dan Pelatihan

Wujud nyata komitmen Bank dalam mendukung program pemerintah untuk memberantas Tindak Pidana Pencucian Uang dan Pencegahan Pendanaan Terorisme adalah dengan memberikan pelatihan secara berkala kepada seluruh karyawan dalam melakukan kaji ulang atas kasus-kasus transaksi keuangan mencurigakan yang ditemukan sehingga meminimalisir terjadinya tindak pidana.

Seluruh karyawan hingga pimpinan unit kerja Bank diwajibkan untuk memahami tugas dan kewajibannya sesuai dengan peraturan perundang-undangan terkait Program APU dan PPT sehingga dapat melaporkan setiap pelanggaran yang akan atau telah terjadi.

Menyadari perubahan ekternal dan internal yang begitu cepat, manajemen Bank senantiasa melakukan kaji ulang dan membuat pembaharuan untuk penyempurnaan kebijakan Program APU dan PPT sehingga tetap relevan dari waktu ke waktu.

Management Information System

Along the year 2013, the Bank has conducted several new system development. The new systems have been planned to be launched or start their live operations by the year 2014. The new systems have been developed in order to support the implementation of transaction monitoring and the implementation of AML and KYC program of the Bank, among others, are as follows:

• System development of international fund transfer transaction reporting to INTRAC.

• e-KYC system to support account opening process as well as periodic review which are more efficient and effective .

• SAS System as the new AML supporting system replacing the STB Detector System.

The development of the new systems have been planned to run live in the year 2014.

Human Resources and Training

The Bank has shown actual realization of its commitment to support the government program of eradicating money laundering and prevention of financing the terrorism by providing periodic training to all employees in conducting the reviews toward the cases of suspicious financial transactions that have been found, so that it minimize the occurrence of criminal actions.

All employees including the Bank’s Business Unit Heads are obligated to understand their tasks and obligations in accordance with the prevailing laws and regulations related to AML and CFT program; Hence, they will be able to report any violation that has occurred in the past or that will happen in the future.

Recognizing rapid external and internal changes, the Management of the Bank always conducts reviews and prepares updates to improve the AML and CFT program’s policies to ensure that those policies will remain relevant from time to time.


Laporan Audit InternInternal Audit Report

“Pelaksanaan kerjasama antara Departemen Audit Intern SMBC dengan Departemen Audit Intern SMBC-I telah dimulai sejak bulan September 2013, sehingga Departemen Audit Internal SMBC-I dapat mempersiapkan serta meningkatkan metodologi audit secara optimal dan berkesinambungan.”

“SMBC Internal Audit Department has collaborated with SMBC-I Internal Audit Department since September 2013 in order to optimize SMBC-I Internal Audit Department’s audit methodology.”

Departemen Audit Internal dalam melaksanakan fungsinya dipimpin oleh Kepala Departemen Audit Intern yang bertanggung jawab langsung kepada Direktur Utama dan dapat berkomunikasi langsung dengan Dewan Komisaris serta Komite Audit.

Secara struktur organisasi, Departemen Audit Internal berada di bawah Direktur Utama. bersifat independen serta tidak mempunyai wewenang dan tanggung jawab untuk melaksanakan kegiatan operasional dari pihak yang diaudit.

Pembentukan Departemen Audit Intern sesuai dengan Peraturan Bank Indonesia Nomor 1/6/PBI/1999 tentang Penugasan Direktur Kepatuhan dan Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank Umum (SPFAIB).

Dalam melaksanakan fungsi audit intern yang berpedoman pada peraturan Bank Indonesia, Departemen Audit Intern telah menyusun Piagam Audit Intern (Internal Audit Charter) dan Standar Pelaksanaan/Manual Kerja yang sesuai dengan peraturan perundangan, peraturan regulator serta standar operasional Bank.

Peranan Audit Intern

Departemen Audit Intern Bank telah melaksanakan pengawasan secara berkala, memberikan masukan serta saran perbaikan yang sesuai dengan ketentuan Bank Indonesia. Berikut adalah uraian singkat peranan Audit Intern selama tahun 2013: • Menyusun Rencana Kerja Audit Tahunan menggunakan

pendekatan Audit Berbasis Risiko (Risk Based Audit) untuk tahun periode 2013, pada seluruh bisnis Bank serta aktivitas departemen/unit kerja.

Head of Internal Audit Department is responsible and directly reporting to President Director and also has direct access to communicate with Board of Commissionaires and Audit Committees.

As organization structure, Internal Audit Department is an independent department reported directly to President Director. Internal Audit Department does not have authority or responsibility to conduct operational activity from the audited party.

Internal Audit Department was established in refer to Bank Indonesia regulation No. 1/6/PBI/1999 of The Assignation of Compliance Director and The Standard Implementation of Commercial Bank’s Internal Audit Function.

Conducting its function, Internal Audit Department has compiled Internal Audit Charter and standard working manual as government regulation and Bank’s standard operation procedure.

Internal Audit Role

The Bank’s Internal Audit Department has conducted periodic monitoring and provided advices as well as suggestion in accordance to Bank Indonesia regulation. The summary of Internal Audit Role in 2013 are as follow:

• Established Annual Audit Work plan period 2013 with Risk Based Audit approach to all Bank’s business and department/ unit activities.


Laporan Audit InternInternal Audit Report

Penyusunan Rencana Kerja Audit Tahun 2013 telah mendapat persetujuan dari Direktur Utama serta mendapatkan kaji ulang dari Dewan Komisaris maupun Komite Audit.

• Melakukan pemeriksaan atau kegiatan audit pada departemen lain untuk memastikan tercapainya kegiatan operasional Bank yang sehat, pengendalian internal, manajemen risiko serta penerapan Tata Kelola Perusahaan yang Baik.

• Melakukan pemantauan dan mengkaji ulang secara berkala terhadap tindak lanjut oleh pihak yang diaudit untuk memastikan bahwa tindakan perbaikan telah dilakukan secara efektif dan memadai. Hasil dari kaji ulang tersebut telah dilaporkan kepada Dewan Direksi dan Dewan Komisaris

Kaji Ulang dari Kantor Akuntan Publik

Mengacu kepatuhan terhadap peraturan Bank Indonesia No. 1/6/PBI/1999, Kantor Akuntan Publik telah melaksanakan kaji ulang terhadap Departemen Audit Intern setiap 3 (tiga) tahun sekali. Hasil kaji ulang terakhir yang dilakukan oleh Kantor Akuntan Publik yang ditunjuk (KPMG) dilaksanakan pada bulan Juli tahun 2011 mengungkapkan bahwa pelaksanaan fungsi Departemen Audit Intern telah memadai serta memenuhi peraturan Bank Indonesia yang terkait.

Laporan hasil kaji ulang tersebut telah disampaikan kepada Bank Indonesia.

Pengembangan dan Pelatihan Profesi Auditor Intern

Bank menunjuk para Auditer Intern untuk secara aktif mengikuti berbagai pelatihan, seminar, dan sertifikasi manajemen risiko yang sesuai dengan perkembangan kegiatan bisnis Bank untuk meningkatkan kualifikasi serta kompetensi profesi Auditor Intern.

Di samping itu, pelaksanaan kerjasama antara Departemen Audit Intern SMBC dengan Departemen Audit Intern SMBC-I, yang dinamakan Leveraging Audit Partnership in Subsidiary (LAPIS) telah dimulai sejak bulan September 2013, sehingga Departemen Audit Intern SMBC-I dapat mempersiapkan serta meningkatkan metodologi audit secara optimal dan berkesinambungan.

Annual Audit Work Plan of 2013 has been approved by President Director and has been reviewed by the Board of Commissionaires and Audit Committees.

• Conducted audit to other divisions in order to ensure soundness of Bank operational activities, internal controls, risk management and implementation of Good Corporate Governance.

• Conducted periodic monitoring and to the follow-up actions taken from audited parties in order to ensure

effective and appropriate improvement has been accomplished. The reviews then deliver to the Board of Directors and Board of Commissioners.

Review of Public Accountant

In accordance to compliance to Bank Indonesia Regulation No. 1/6/PBI/1999, Public Accountant has reviewed Internal Audit Department every 3 (three) years. The latest review conducted by assigned Public Accountant (KPMG) on July 2011 reported the Internal Audit Department has accomplished appropriate function and complied with Bank Indonesia Regulation.

This review report has been delivered to Bank Indonesia.

Internal Auditor Profession Development and Training

The Bank assigned the Internal Auditors to actively attend various trainings, seminars, and risk management certifications related with the Bank’s business activities in order to improve the qualification and competency of Internal Auditor.

The SMBC Internal Audit Department has also collaborated with SMBC-I Internal Audit Department under name Leveraging Audit Partnership in Subsidiary (LAPIS) which has been started since September 2013. The collaboration was implemented in purpose to prepare and improve the SMBC-I Internal Audit Department’s audit methodology.


Laporan KomiteCommittee ReportRealisasi Rencana Kerja Komite Audit, Komite Pemantau Risiko serta Komite Remunerasi dan Nominasi tahun 2013 secara keseluruhan telah dilakukan dengan baik sesuai dengan setiap Piagam Komite dan peraturan yang berlaku

The realization of the Audit Committee, Risk Monitoring Risk Committee and Remuneration and Nomination Committee during year 2013 has overall accomplished well according to each of the Committee Charter and the prevailing regulation.

Dasar Pembentukan Komite serta tugas dan tanggung jawab Komite berpedoman pada Peraturan Bank Indonesia No. 8/4/PBI/2006 tanggal 30 Januari 2006 dan perubahannya No. 8/14/PBI/2006 tanggal 5 Oktober 2006 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum.

Komite Audit

Tugas dan tanggung jawab Komite Audit diatur dalam Piagam Komite Audit

Struktur dan Susunan Anggota Komite Audit

Secara struktural, Komite Audit merupakan komite yang berada di bawah Dewan Komisaris. Susunan anggota Komite Audit terdiri dari tiga 3 (tiga) orang, yaitu 1 (satu) orang Komisaris Independen yang menjabat sebagai Ketua dan 2 (dua) orang anggota dari pihak independen dimana satu orang anggota memiliki keahlian di bidang keuangan atau akuntansi, dan satu orang anggota lainnya memiliki keahlian di bidang hukum atau perbankan. Seluruh anggota komite audit wajib memiliki integritas yang tinggi, pengalaman dan kompetensi yang sesuai dibidangnya serta mampu berkomunikasi dengan baik.

Nama / Name

Ninik Herlani Masli Ridwan*)

Jenly Hendrawan

Constance J. Rehatta

Posisi / Position

Ketua/ Chairman

Anggota dengan keahlian di bidang Keuangan dan Akunting/Member with expertise in Finance and AccountingAnggota dengan keahlian di bidang Perbankan/Member with expertise in Banking

Per tanggal 31 Desember 2013 / As of December 31, 2013

Susunan Komite Audit / Audit Committe Composition

*) Efektif tanggal 15 Maret 2013, Sdri. Ninik Herlani Masli Ridwan diangkat menjadi ketua komite Audit untuk menggantikan Sdr. RAG Bramono Dwiedjanto

*) Effective on March 15, 2013, Ms. Ninik Herlani Masli Ridwan was effectively appointed as Chairman of Audit Committee to replace Mr. RAG Bramono Dwiedjanto

The establishment of Committee and its task and responsibility is based on Bank Indonesia Regulation No. 8/4/PBI/2006 dated 30 January 2006 and the amendment No. 8/14/PBI/2006 dated 5 October 2006 of the Implementation of Good Corporate Governance for Commercial Bank.

Audit Committee

Role and responsibility of Audit Committee is stated in Audit Committee Charter.

Structure and Composition of Committee Audit Members

Structure wise, the Audit Committee has direct reporting to Board of Commissioners. The members of Audit Committee consist of 3 (three) person, in which 1 (one) independent Commissioners as the chairman and 2 (two) members of independent party, in which one member has expertise in finance or accounting, and the other one in law or banking. All Audit Committee members must have high integrity, adequate experience and competency in their field as well as able to conduct good communication.


Laporan KomiteCommittee Report

Tugas dan Tanggung Jawab Komite Audit

Dalam menjalankan fungsinya Komite Audit memiliki tugas dan tanggung jawab sesuai yang tercantum dalam Piagam Komite Audit, yaitu:• Mematuhi pedoman kerja dan tata tertib kerja yang

seluruhnya dimuat dalam Audit Committee Charter (“Piagam Komite Audit”) yang bersifat mengikat bagi setiap anggota Komite.

• Memantau dan mengevaluasi perencanaan dan pelaksanaan audit serta memantau tindak lanjut hasil audit dalam rangka menilai kecukupan pengendalian internal termasuk kecukupan proses pelaporan keuangan.

• Memantau dan mengevaluasi hal-hal di bawah ini untuk memberikan rekomendasi kepada Dewan Komisaris:- Pelaksanaan tugas Satuan Kerja Audit Intern.

- Kesesuaian pelaksanaan audit oleh Kantor Akuntan Publik dengan standar audit yang berlaku.

- Kesesuaian laporan keuangan dengan standar akuntansi yang berlaku.

- Pelaksanaan tindak lanjut oleh Direksi atas hasil temuan oleh Satuan Kerja Audit Internal, Akuntan Publik, dan hasil pengawasan Bank Indonesia serta temuan oleh Auditor Perusahaan Induk SMBC.

• Memberi rekomendasi atas penunjukan Akuntan Publik dan Kantor Akuntan Publik kepada Komisaris untuk disampaikan kepada Rapat Umum Pemegang Saham.

Rapat Komite Audit

Rapat Komite Audit diadakan 1 (satu) kali dalam sebulan, jika diperlukan maka akan diadakan rapat tambahan. Selama tahun 2013, Komite Audit telah mengadakan rapat sebanyak 17 (tujuh belas) kali.

Komite Pemantau Risiko

Pedoman, tugas dan tanggung jawab Komite Pemantau Risiko diatur dalam Piagam Komite Pemantau Risiko

Struktur dan Susunan Anggota Komite Pemantau Risiko

Dalam struktur organisasi, Komite Pemantau Risiko berada di bawah Dewan Komisaris dan bertanggungjawab langsung kepada Dewan Komisaris.

Duties and Responsibilities of Audit Committee

In conducting the function, Audit Committee has role and responsibility accordance with the Audit Committee Charter which as follow:• Follow the working manual and regulation stated in the

Audit Committee Charter that is binding to each of the Committee’s member.

• To monitor and evaluate the audit plan and implementation as well as to monitor the follow-up audit result in order to assess the adequacy of internal control including the adequacy of financial reporting process.• To monitor and evaluate below points as to provide

recommendation to Board of Commissioners: - Implementation of the task of the Internal Audit work unit.- Consistency of audit implementation by Public Accountant Office with the prevailing audit standard.- Consistency of financial statement with the prevailing

accounting standard.- Implementation on the follow-up action by the Board

of Directors in response to the findings from Internal Audit work unit, Public Accountant, and Bank Indonesia supervision result, as well as findings from the Auditor of Parent Company SMBC.

• To provide recommendation for the appointment of Public Accountant and Public Accountant Office to Board of Commissioners to be submitted to the General Meeting of Shareholders.

Audit Committee Meeting

Audit Committee conducts periodic meeting once a month and more as required. During year 2013, Audit Committee has conducted 17 (seventeen) meetings.

Risk Monitoring Committee

Guideline, duties and responsibilities of Risk Monitoring Committee is stated in Risk Monitoring Committee Charter.

Structure and Composition of Risk Monitoring Committee Member In organization structure, the Risk Management Committee has direct reporting to Board of Commissioners.



Susunan anggota Komite Pemantau Risiko terdiri dari tiga 3 (tiga) orang, yaitu 1 (satu) orang Komisaris Independen yang menjabat sebagai Ketua dan 2 (dua) orang anggota dari pihak independen dimana satu orang anggota memiliki keahlian di bidang manajemen risiko dan satu orang anggota lainnya di bidang keuangan. Seluruh anggota komite audit wajib memiliki integritas yang tinggi, pengalaman dan kompetensi yang sesuai dibidangnya serta mampu berkomunikasi dengan baik.

Tugas dan Tanggung Jawab Komite Pemantau Risiko

Komite Pemantau Risiko memiliki tugas dan tanggung jawab yang tercantum dalam Piagam Komite Pemantau Risiko, yaitu:• Membantu Dewan Komisaris dalam melaksanakan tugas

dan tanggung jawab di bidang manajemen risiko Bank dengan memberikan rekomendasi kepada Dewan Komisaris.

• Mengevaluasi konsistensi antara kebijakan manajemen risiko dan pelaksanaannya.• Memeriksa serta mengevaluasi pelaksanaan tugas- tugas Komite Manajemen Risiko dan Risk Management Department.

Nama / Name

RAG Bramono Dwiedjanto*)

Sofyan Rambey

Tri Harini **)

Posisi / Position

Ketua/ Chairman

Anggota dengan keahlian di bidang Manajemen Risiko/Member with expertise in Risk ManagementAnggota dengan keahlian di bidang Keuangan/Member with expertise in Finance

Susunan Komite Pemantau Risiko/ Composition of Risk Monitoring Committee Per tanggal 31 Desember 2013 / As of December 31, 2013

*) Efektif tanggal 15 Maret 2013, Sdr. RAG Bramono Dwiejanto ditunjuk sebagai Ketua Komite Pemantau Risiko untuk mengisi posisi lowong.

*) Effective on March 15, 2013, Mr. RAG Bramono Dwiedjanto was effectively appointed as Chairman of Risk Monitoring Committee to fill in the vacant position.

**) Efektif tanggal 15 Maret 2013, Sdri. Tri Harini telah ditunjuk menjadi anggota Komite Pemantau Risiko untuk menggantikan Sdri. Maharany Reza

**) Effective on March 15, 2013, Ms. Tri Harini was effectively appointed as the member of Risk Monitoring Committee to replace Ms. Maharany Reza

The composition of Risk Monitoring Committee members consist of 3 (three) person: 1 (one) Independent Commissioner as the Chairman, and 2 (two) members from independent party, in which one member has expertise in risk management, and another has expertise in finance. All committee members are required to have high integrity, experiences, and competencies in their field and able to conduct good communication.

Duties and Responsibilities of Risk Monitoring Committee

Role and responsibility of Risk Monitoring Committee is stated in Risk Monitoring Charter, as follow:

• To assist Board of Commissioners in conducting their duties and responsibilities in the Bank’s risk management by providing recommendation to Board of Commissioners.

• To evaluate the consistency between risk management policy and its implementation.

• To review and evaluate the implementation of duties of Risk Management Committee and Risk Management Department.



• Memantau perkembangan proses kebijakan, prosedur, dan pelaksanaan manajemen risiko Bank, untuk memastikan bahwa manajemen risiko Bank telah dilaksanakan dengan baik.

• Mengkaji ulang dan memastikan:- kecukupan dan kelengkapan perangkat manajemen risiko Bank.- profil risiko Bank telah sesuai dengan tingkat toleransi risiko yang ditetapkan oleh Direksi.

• Memberi pendapat secara umum kepada Direksi tentang manajemen risiko Bank yang baik, termasuk identifikasi atas area-area yang berisiko tinggi sejalan dengan perubahan kondisi usaha Bank.

Rapat Komite Pemantau Risiko

Komite Pemantau Risiko mengadakan rapat rutin 1 (satu) kali dalam sebulan, jika diperlukan maka akan diadakan rapat tambahan. Selama tahun 2013, Komite Pemantau Risiko telah mengadakan rapat sebanyak 12 (dua belas) kali.

Komite Remunerasi dan Nominasi

Piagam Komite Remunerasi dan Nominasi memuat pedoman tentang tugas dan tanggung jawab Komite Remunerasi dan Nominasi yang dijadikan acuan dalam setiap kegiatan operasionalnya.

Struktur dan Susunan Anggota Komite Remunerasi dan Nominasi

Komite Remunerasi dan Nominasi merupakan komite yang bertanggung jawab dan secara struktur organisasi Bank berada di bawah Dewan Komisaris. Susunan anggota Komite Remunerasi dan Nominasi terdiri dari 1 (satu) orang Komisaris Independen yang menjabat sebagai Ketua, 1 (satu) orang Wakil Komisaris sebagai anggota, serta 1 (satu) orang Pemimpin SDM sebagai anggota, dimana per 31 Desember 2013 posisinya adalah lowong.

Seluruh anggota Komite Remunerasi dan Nominasi memiliki integritas yang tinggi, pengalaman dan kompetensi yang memadai dalam melaksanakan tugas dan tanggung jawabnya.

• To monitor the improvement process of policies, procedures, and implementation of the Bank’s risk management as to ensure that the Bank’s risk management has been well implemented.

• To review and ensure on:- The adequacy and completeness of the Bank risk

management’s tools.- The Bank’s risk profile is in accordance with the risk

tolerance level set by the Board of Directors.• To provide general opinion to Board of Directors in regards

to good risk management, including identification on high risk areas in line with the change in the Bank’s business condition.

Risk Monitoring Committee Meeting

Risk Monitoring Committee conducts periodic meeting once a month and more as required. During the year 2013, Risk Monitoring Committee has conducted 12 (twelve) meetings.

Remuneration and Nomination CommitteeThe Remuneration and Nomination Committee Charter contains the manual of the Remuneration and Nomination Committee’s role and responsibility that is used as the standard guideline for every operational activity.

Structure and Composition of Remuneration and Nomination Committee Member

Remuneration and Nomination Committee is responsible directly to Board of Commissioners. The members of Remuneration and Nomination Committee consist of 1 (one) Independent Commissioner as the Chairman, 1 (one) Vice President Commissioner as the member, and 1 (one) Human Resource Head as member – in which per 31 December 2013 its position was vacant.

All members of Remuneration and Nomination Committee possess high integrity, experiences, and adequate competency in conducting their duties and responsibilities.



Tugas dan Tanggung Jawab Komite Remunerasi dan Nominasi

Dalam menjalankan fungsinya Komite Remunerasi dan Nominasi memiliki tugas dan tanggung jawab sesuai yang tercantum dalam Piagam Komite Remunerasi dan Nominasi yaitu sebagai berikut:

Terkait dengan kebijakan remunerasi, komite ini bertugas:

• Mengevaluasi kebijakan remunerasi.• Memberi rekomendasi kepada Dewan Komisaris

mengenai:- Kebijakan remunerasi bagi Dewan Komisaris dan Direksi untuk disampaikan kepada Rapat Umum Pemegang Saham.- Kebijakan remunerasi bagi Pejabat Eksekutif dan karyawan secara keseluruhan untuk disampaikan kepada Direksi.

• Memastikan bahwa kebijakan remunerasi minimal sudah sesuai dengan:- Kinerja keuangan dan pemenuhan cadangan

Nama / Name

RAG Bramono Dwiedjanto*)

Airo Shibuya *)

Vacant

Posisi / Position

Ketua / ChairmanKomisaris Independen / Independent CommisionerAnggota / Member Wakil Komisaris Utama / Vice President CommisonerAnggota / MemberKepala Human Resource Department /Head of Human Resource Department

Susunan Komite Remunerasi dan Nominasi/ Remuneration and Nomination Committee CompositionPer tanggal 31 Desember 2013 / As of December 31, 2013

*) Efektif tanggal 3 Oktober 2013, Sdr. Airo Shibuya menjabat menjadi anggota Komite Remunerasi dan Nominasi menggantikan Mr. Hiroshi Irie.

*) Effective on 3 October 2013, Mr. Airo Shibuya has been appointed as member of Remuneration and Nomination Committe to replace Mr. Hiroshi irie

Duties and Responsibilities of Remuneration and Nomination Committee

In conducting their function, Remuneration and Nomination Committee has duties and responsibilities in accordance with the Audit Committee Charter as follow:

Related to remuneration policy, the committee is responsible to:• Evaluate remuneration policy.• Provide recommendation to Board of Commissioners in

regards to:- Remuneration policy for Board of Commissioners and

Board of Directors in the General Meeting of Shareholders.

- Remuneration policy for executive officers and employees in general to be delivered to Board of Directors.

• To ensure the remuneration policy at least commensurate with:- Financial performance and reserve fulfillment as



sebagaimana diatur dalam peraturan perundang-undangan yang berlaku.

- Prestasi kerja individual.- Kewajaran dengan peer group.- Pertimbangan sasaran dan strategi jangka panjang Bank.

Dan terkait dengan kebijakan nominasi, Komite ini bertugas:

• Menyusun dan memberikan rekomendasi mengenai sistem serta prosedur pemilihan, penggantian, dan/atau penunjukan kembali anggota Dewan Komisaris dan Direksi kepada Dewan Komisaris untuk disampaikan kepada Rapat Umum Pemegang Saham.

• Merekomendasikan pengangkatan calon anggota dan/atau pengangkatan kembali anggota Dewan Komisaris dan/atau Direksi kepada Dewan Komisaris untuk disampaikan kepada Rapat Umum Pemegang Saham.

• Merekomendasikan pengangkatan dan/atau penunjukan kembali Pihak Independen yang akan menjadi anggota Komite kepada Dewan Komisaris.

Rapat Komite Remunerasi dan Nominasi

Komite Remunerasi dan Nominasi mengadakan rapat rutin setiap 3 (tiga) bulan sekali, namun jika diperlukan maka diadakan rapat tambahan, sesuai dengan ketentuan dalam Piagam Komite Remunerasi dan Nominasi. Selama tahun 2013, Komite Remunerasi dan Nominasi telah mengadakan rapat sebanyak 4 (empat) kali.

stipulated in the prevailing laws and regulations.

- Achievement of Individual work performance.- Fairness with the peer group.- The bank’s long term goals and strategies consideration.

And related with the nomination policy, the committee is responsible to:

• Prepare and provide recommendation on the system and procedure for selection, replacement, and/or re-appointment of the Board of Commissioners and Board of Directors to Board of Commissioners to be submitted to the General Meeting of Shareholders.

• Recommend the appointment of prospective member and/ or the re-appointment of Board of Commissioners and/ or Board of Directors to Board of Commissioners to be submitted to the General Meeting of Shareholders.

• Recommend the appointment and/ or re-appointment of Independent Party who will become Committee member to Board of Commissioners.

Remuneration and Nomination Committee Meeting

Remuneration and Nomination Committee conducts periodic meeting once in every 3 (three) months, and more as required, in accordance with Remuneration and Nomination Committee Charter. During the year 2013, the Remuneration and Nomination Committee has conducted 4 (four) meetings.


Laporan Sumber Daya ManusiaHuman Resources Report

“Bank senantiasa melakukan transformasi di bidang human capital melalui kegiatan Shinjin Ken yang ditujukan kepada karyawan baru guna membentuk karyawan yang profesional dan exceptional. ”

“Bank continue to transform in human capital area through Shinjin Ken program aimed for new employees in order to create professional and exceptional employees”



Pengembangan SDM

Pemberdayaan Sumber Daya Manusia merupakan salah satu strategi utama dalam mendukung pertumbuhan Bank. Pemberdayaan Sumber Daya Manusia merupakan serangkaian upaya yang sistematis, terarah dan berkesinambungan guna mengembangkan setiap individu karyawan Bank menjadi Human Capital yang memiliki komitmen dan rasa keterlibatan, inovatif dan kompeten serta berkinerja tinggi. Hal ini juga dikaitkan dengan nilai-nilai Bank yang diterapkan kepada setiap karyawan untuk bekerjasama dengan saling menghargai, penuh kepercayaan dan memberikan pelayanan terbaik dan cepat kepada nasabah serta motivasi untuk selalu bersikap proaktif.

Dalam melakukan pencapaian visi, Bank terus menerus melakukan upaya pengembangan dan penyempurnaan pada sistem kebijakan dibagian sumber daya manusia. Sebagai salah satu misi Bank yaitu memberikan kesempatan berkembang serta penghargaan kepada setiap karyawan profesional yang berdedikasi, saat ini Bank telah membentuk dan menjalankan serangkaian program pengembangan sumber daya manusia.

Adapun strategi serta kebijakan sumber daya manusia yang telah dibentuk Bank adalah sebagai berikut: • Percepatan pengembangan karyawan untuk menciptakan kompetensi dan kinerja yang tinggi melalui program pelatihan dan pengembangan.

Human Resource Development

Empowerment of human resources is one of the main strategies to support Bank’s growth. Empowerment of human resources is a series of systematic efforts, directed and sustained in order to develop the individuals of the Bank to become human capital that has a sense of commitment and involvement, innovative and competent as well as high performance. This is related with the Bank’s value implemented to each employee for working together with respect and trust and to give the best and prompt services to customers as well as to motivate for always being proactive.

In order to reach Bank’s vision, the Bank continuously put effort in developing and improving on the human resources policy system. As one of the Bank’s mission to offer opportunity for enhancement as well as reward to every professional and dedicated employees, Bank currently has created and conducted series of programs for human resources development.

The established human resources strategies and policies by the Bank are as follow:• People development accelerations in order to create

high competence and performance employee’s through training and development program.



• Meningkatkan budaya perusahaan dan lingkungan kerja yang menunjang transformasi, termasuk perubahan mindset dan perilaku.

• Meningkatkan sistem reward untuk mempertahankan talenta terbaik dan memelihara keterlibatan serta tanggung jawab penuh terhadap pekerjaan.

Perencanaan Sumber Daya Manusia (SDM)

Salah satu kebijakan Bank yang sejalan dengan perencanaan SDM yaitu memberikan kesempatan yang luas kepada karyawan untuk meningkatkan kompetensinya. Selain membuat rencana pelatihan dan pengembangan yang komprehensif sesuai dengan tanggung jawab dan kemampuan yang diperlukan karyawan, Bank telah melakukan kegiatan Shinjin Ken yang ditujukan kepada karyawan muda baru guna membentuk karyawan yang profesional dan exceptional. Latar belakang dalam pembentukan program ini adalah karena secara umum karyawan fresh graduate tidak mendapatkan kurikulum di universitas yang menjelaskan tentang memasuki dunia pekerjaan yang professional. Oleh karena itu, Bank mempersiapkan program ini supaya karyawan fresh graduate dapat dilatih untuk bekerja langsung secara profesional agar kinerja Bank dalam mencapai pertumbuhan dapat terus berjalan berkesinambungan. Shinjin Ken merupakan program yang diadopsi dari perusahaan induk SMBC yang telah berjalan sejak lama. “Shinjin” berarti fresh graduate atau new comer dan “Ken” berarti program.

Setiap karyawan yang memiliki kompetensi yang memadai dalam hal pelayanan yang memuaskan dan berkualitas kepada nasabah merupakan nilai tambah kepada Bank. Oleh karena itu, Bank memberikan apresiasi dalam bentuk pemberian reward kepada karyawan untuk dapat menjadi akselerator dalam peningkatan kinerja Bank.

• Enhancement on the corporate culture and working environment that cooperate with the transformation which includes on the mindset and attitude change.

• Improvement on the reward system in order to retain the best talents and maintain the job engagement and full responsibility towards the tasks.

Human Resources Planning

One of the Bank’s policies that align with Human Resources Planning is to provide vast opportunities to employees in enhancing their competencies. Aside from creating comprehensive trainings and development plan which suited with the responsibilities and capabilities that required by each employee, Bank has also conducted Shinjin Ken program that aim for new young employees to develop professional and exceptional new employees. The background in developing this program is because that generally fresh graduate employee do not have curriculum from the university that explain on the way to enter professional working environment. Therefore, Bank has prepared this program for fresh graduate employees to be trained for directly working professionally so that the Bank’s performance in achieving Bank’s growth can sustainably be done. Shinjin Ken is an adopted program from SMBC parent company that has established for many years. “Shinjin” means fresh graduate or new comers and “Ken” means program.

Every employee with adequate competency in providing satisfactory and qualified services to customers will give added value for the Bank. Thus, the Bank will give appreciation by rewarding the employee to become the accelerator in enhancing Bank’s performance.



Pelatihan dan pengembangan juga diarahkan untuk mengoptimalkan sinergi antar karyawan serta memberikan kontribusi yang terbaik bagi pencapaian efisiensi biaya. Selama tahun 2013, Bank merealisasikan alokasi biaya pelatihan sesuai dengan ketentuan yang ditetapkan oleh Bank Indonesia. Rekrutmen dan Seleksi

Bank memberikan kesempatan kepada umum, Warga Negara Indonesia, dari lulusan lembaga pendidikan dengan prestasi terbaik dan kepribadian yang dapat diandalkan, baik fresh graduate maupun profesional untuk mengembangkan karir pada Bank. Setiap pegawai yang bergabung sudah melewati seleksi yang sesuai prosedur Bank serta telah melalui induction program yang diberikan oleh Bank kepada karyawan dengan tujuan membentuk kesadaran risiko dalam dunia perbankan yang meliputi tapi tidak terbatas pada bidang kepatuhan, pengamanan teknologi informasi dan sistem dan prosedur sumber daya manusia; membangun lingkungan yang aman terkait penggunaan system dan fasilitas kantor; dan membangun lingkungan kerja yang memungkinkan karyawan baru untuk bekerja dengan percaya diri.

Per Desember 2013, terjadi peningkatan dalam jumlah karyawan mencapai 302 orang, dibandingkan periode yang sama tahun lalu, yaitu 274 orang. Pada tahun-tahun mendatang peningkatan karyawan akan bertambah seiring dengan pertumbuhan bisnis Bank.

Statistik Karyawan berdasarkan Tingkat Pendidikan dan Jabatan adalah sebagai berikut:

Training and development are also directed to optimize the synergy across employees and to give best contribution to cost efficiency. During year 2013, the Bank has realized allocation to training expenses in accordance with the Bank Indonesia Regulation.

Recruitment and Selection

The Bank provides opportunities to every Indonesia citizens, graduated from education institution with best performance and reliable personality; either fresh graduate or professional to build their career in the Bank. Every selected employees has passed the selection according to the Bank’s procedure as well as through the training of induction program given by the Bank to the employee with aiming to build the risk awareness in banking consist of but not limited to compliance, IT security and, human resources system and procedure; build secured and safety environment regarding system and office facility usage; and to build comfortable working environment that allows new hires to perform with confident.

As per December 2013, there was an increase in total employees of 302 persons compared to the same period last year of 274 persons. In the coming years, the improvement number of employee will continue to grow along with the growth of the Bank’s business.

The Employees’ Statistic based on Education Level and Position Level as follow:



Berdasarkan grafik di atas, proporsi terbesar dari karyawan Bank dari segi tingkat pendidikan adalah karyawan dengan gelar Sarjana (76%) dan dari segi jenjang posisi adalah Staff (26%), sedangkan proporsi terkecil dari segi tingkat pendidikan adalah karyawan dengan tingkat pendidikan SLTA ke bawah (3%) dan dari segi jenjang posisi adalah Clerk (1%).

Uraian perbandingan berdasarkan Tingkat Pendidikan dan Jabatan per 31 Desember 2013 dengan periode yang sama tahun lalu, adalah sebagai berikut:

Based on the above charts, the biggest proportion of the Bank’s employees in terms of education level are employees with Bachelor Degree (76%) and Staff position (26%) in terms of position level, while the smallest proportion in terms of education level are High School and below (3%) and Clerk position (1%) in terms of position level.

Further comparison based on Education Level per 31 December 2013 with the same period in previous years is shown as follow:

Per Tanggal 31 Desember 2013

As of December 31, 2013

1. Director

2. Upper Manager

(Assistant Vice President, Vice President,

Senior Vice President)

3. Middle Manager

(Manager and Senior Manager)

4. Junior Manager

(Assistant Manager & Deputy Manager)

5. Senior Staff (Senior Officer & Supervisor)

6. Staff (Officer)

7. Clerk

30%

25%

20%

15%

10%

5%

0%

2%

10% 12%

24% 25% 26%

1%

Komposisi Karyawan Berdasarkan Jenjang PosisiComposition of Employees Based on Posistion Level

Per tanggal 31 Desember 2013

As of December 31, 2013

1. S2 ke atas / Master and above

2. S1 / Bachelor

3. D3 / Diploma

4. SLTA ke bawah / Senior High School and Below

80%

70%

60%

50%

40%

30%

20%

10%

0%

14%

76%

7% 3%

1

1 2 3 4 5 6 7

2 3 4


Tingkat Pendidikan/Educational Level

31 Dec 2012

Total Total% %

31 Dec 2013

S2 ke atas / Master and AboveS1 / BachelorD3 / DiplomaSLTA ke bawah / Senior High School and belowKeseluruhan / Overall

33214

198

274

42231

209

302

12%78%

7%3%

100%

14%76%

7%3%

100%

Jenjang Posisi/Position Level

31 Dec 2012

Total Total% %

31 Dec 2013

DirectorUpper Manager(Assistant Vice President, Vice President,Senior Vice President)Middle Manager(Manager and Senior Manager)Junior Manager(Assistant Manager and Deputy Manager)Senior Staff(Senior Officer and Supervisor)Staff (Officer)ClerkKeseluruhan / Overall

6

29

31

65

7561

7274

7

31

37

73

7478

2302

2%

11%

11%

24%

27%22%

3%100%

2%

10%

12%

24%

25%26%

1%100%

Penilaian Pekerja

Untuk melakukan penilaian kinerja karyawan, Bank telah memiliki Sistem Manajemen SDM yang secara aktif digunakan untuk meningkatkan efektivitas serta memastikan bahwa potensi, keunikan dan kekuatan setiap karyawan sudah dimanfaatkan secara optimal. Inovasi dan upaya penyempurnaan Sistem Manajemen SDM terus dilakukan untuk menjaga kesesuaian dengan kondisi dan peraturan-peraturan yang berlaku.

Performance Appraisal

To conduct assessment of employees performance, Bank has active human resources management system that is used to increase on the effectiveness and to ensure that the potential, uniqueness and strength of each employees have been optimally utilized. Innovation and attempt to embrace the human resource system will continue be done to maintain conformity towards the condition and prevailing regulations.



Pengungkapan Permodalan serta PengungkapanExposure Risiko dan Penerapan Manajemen RisikoDisclosure on Capital and Risk Exposure as well as Risk Management Implementation

I. Struktur Permodalan

Kebijakan pengelolaan modal Bank bertujuan untuk memastikan bahwa Bank memiliki struktur permodalan yang efisien, memiliki modal yang kuat untuk mendukung strategi pengembangan usaha Bank saat ini dan untuk mempertahankan kelangsungan usaha Bank di masa yang akan datang, serta untuk memenuhi kecukupan permodal yang ditetapkan oleh Bank Indonesia.

Komposisi permodalan Bank merujuk pada Surat Edaran Bank Indonesia Nomor 12/27/DPNP tanggal 25 Oktober 2010 terdiri dari modal inti yang terdiri dari modal awal yang disetor dan cadangan tambahan modal dan modal pelengkap yang terdiri dari cadangan umum aset produktif.

Di dalam penilaian kecukupan modal, Bank menggunakan pendekatan standar (Standardized Approach) dalam pengukuran kecukupan modal untuk Risiko Kredit dan Risiko Pasar, sedangkan untuk Risiko Operasional, Bank menggunakan pendekatan indikator dasar (Basic Indicator Approach). Penilaian ini mengacu pada ketentuan Surat Edaran Bank Indonesia No. 13/6/DPNP tertanggal 18 Februari 2011, Surat Edaran Bank Indonesia No. 14/21/DPNP tertanggal 18 Juli 2012 dan Surat Edaran Bank Indonesia No. 11/3/ DPNP tertanggal 27 Januari 2009.

Struktur Permodalan Bank per tanggal 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

I. Capital Structure

The Bank’s capital management policy aims to ensure that the Bank has an efficient capital structure, has a strong capital to support the Bank’s current business development strategy and to maintain the continuity of the Bank’s business in the foreseeable future, as well as to meet the capital adequacy set by Bank Indonesia.

In accordance with Bank Indonesia circulation letter No. 12/27/DPNP dated 25 October 2010, the composition of the Bank’s capital consists of core capital from issued and fully paid shares and additional paid-up capital and supplementary capital from general reserve of productive asset.

In the minimum capital adequacy assessment, Bank adopts Standardized Approach for Credit Risk and Market Risk and Basic Indicator Approach for Operational Risk. This assessment refers to Bank Indonesia circulation letter No. 13/6/DPNP dated 18 February 2011, Bank Indonesia circulation letter No. 14/21/DPNP dated 18 July 2012 and Bank Indonesia circulation letter No. 11/3/DPNP dated 27 January 2009.

Capital Structure of the Bank as of 31 December 2013 and 31 December 2012 are as follow:


Pengungkapan Permodalan serta PengungkapanExposure Risiko dan Penerapan Manajemen Risiko

Disclosure on Capital and Risk Exposure as well as Risk Management Implementation

KOMPONEN MODAL / CAPITAL COMPONENT 31 Desember 2013 / 31 December 2013

31 Desember 2012 / 31 December 2012

(1) (2) (3) (4)

I KOMPONEN MODAL / CAPITAL COMPONENT

A Modal Inti / Core Capital (Tier 1) 5,002,275 4,739,058

1 Modal disetor / Paid up Capital 2,873,942 2,873,942

2 Cadangan Tambahan Modal / Additional Reserve Capital 2,128,333 1,865,116

3 Modal Inovatif / Innovative Capital - -

4 Faktor Pengurang Modal Inti / Capital Deduction Factor of Tier 1 Capital

- -

5 Kepentingan Non Pengendali / Non-controlling Interest - -

B Modal Pelengkap / Supplementary Capital (Tier 2) 2,862,263 762,225

1 Level Atas / Upper Tier 2 361,126 229,753

2 Level Bawah maksimum 50% Modal Inti / Lower Tier 2, max 50% of Tier 1 Capital

2,501,137 532,472

3 Faktor Pengurang Modal Pelengkap / Capital Deduction Factor of Tier 2 Capital

- -

C Faktor Pengurang Modal Inti dan Modal Pelengkap / Tier 1 and Tier 2 Capital Deduction Factor

- -

Eksposur Sekuritisasi / Securitization Exposures - -

D Modal Pelengkap Tambahan Yang Memenuhi Persyaratan / Additional Supplementary Capital (Tier 3)

- -

E MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR / Additional Supplementary Capital for Market Risk Anticipa-tion

- -

II TOTAL MODAL INTI DAN MODAL PELENGKAP / TOTAL OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B-C)

7,864,538 5,501,283

III TOTAL MODAL INTI, MODAL PELENGKAP DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR / TOTAL OF CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONAL SUPPLEMENTARY CAPITAL FOR MARKET RISK ANTICIPATION (A+B-C+E)

7,864,538 5,501,283

IV ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT / RISK WEIGHTED ASSET FOR CREDIT RISK

28,890,104 19,851,264

V ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL / RISK WEIGHTED ASSET FOR OPERATIONAL RISK

1,379,440 1,109,606

VI ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR / RISK WEIGHTED ASSET FOR MARKET RISK

204,887 82,068

A Metode Standar / Standardized Method 204,887 82,068

B Model Internal / Internal Model - -

VII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR / MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL RISK AND MARKET RISK [III: (IV+V+VI)]

25.81% 26.14%

VIII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT DAN OPERASIONAL / CAPITAL ADEQUACY RATIO FOR CREDIT RISK AND OPERATIONAL RISK [II:(IV+V)]

25.98% 26.25%

(dalam jutaan Rupiah/ in million Rupiah)



II.Penerapan Manajemen Risiko dan Eksposur Risiko

a. Pengawasan Aktif Dewan Komisaris dan Direksi

Manajemen risiko menjadi satu bidang yang mendapat perhatian khusus dari manajemen Bank. Sehubungan dengan hal tersebut, Dewan Komisaris dan Direksi Bank berperan aktif dalam penerapan manajemen risiko di Bank. Direksi Bank menetapkan kebijakan dan prosedur pelaksanaan manajemen risiko Bank yang dijadikan acuan dalam pelaksanaan aktivitas manajemen risiko. Direksi juga telah menetapkan strategi penerapan manajemen risiko yang disesuaikan dengan rencana bisnis serta risk appetite Bank. Bank juga telah memiliki komite risiko baik di tingkat Komisaris (Komite Pemantau Risiko) maupun Direksi (Komite Manajemen Risiko) yang bertugas untuk memantau pelaksanaan fungsi manajemen risiko Bank secara keseluruhan.

b. Kecukupan Kebijakan, Prosedur, dan Penetapan Limit

Bank telah menetapkan Pedoman Standar Penerapan Manajemen Risiko yang menjadi acuan umum bagi Bank dalam mengelola risiko guna mendorong pencapaian strategi dan tujuan Bank. Kebijakan dan prosedur pengelolaan yang lebih spesifik untuk masing-masing jenis risiko juga telah disusun Bank untuk mendukung pelaksanaan aktivitas manajemen risiko. Untuk memastikan kemampuan Bank dalam menghadapi risiko, Bank menetapkan limit yang membatasi maksimum eksposur serta kerugian yang akan diderita Bank. Kebijakan serta limit yang ditetapkan tersebut dikaji ulang secara berkala untuk memastikan kesesuaiannya dengan ketentuan serta kondisi Bank dan perekonomian terkini.

II. Risk Management Implementation and Risk Exposure

a. Active Monitoring by Board of Commissioners and Board of Directors

Risk Management became a part of which get special attention from the Bank’s management. In relation to that, the Bank’s Board of Commissioners and Board of Directors are actively participating in the implementation of the Bank’s risk management. The Bank’s Board of Directors set the policy and procedure for the implementation of the Bank’s risk management that is utilized as a standard guideline to the implementation of risk management activities. Board of Directors has also set the strategy for the implementation of risk management that is aligned with the Bank’s business plan and risk appetite. The Bank also has risk committees in the Commissioner level (Risk Monitoring Committee) and in the Director level (Risk Management Committee) that are responsible to monitor the implementation of the Bank’s risk management function in general.

b. The Adequacy of Policy, Procedure, and Limit Stipulation

The Bank has set Standard Guidance for The Implementation of Risk Management as the Bank’s general guideline in managing risk in order to support the achievement of Bank’s strategy and goal. Specific management policies and procedures for each risk type have also been compiled to support the implementation of risk management activities. To ensure the Bank’s capability to encounter the risk, the Bank has set a maximum limit of exposure and loss that might be borne by the Bank. These policies and limits are periodically reviewed to ensure its alignment to the regulation as well as the current Bank’s and economic condition.




c. Kecukupan Proses Identifikasi, Pengukuran, Pemantauan, dan Pengendalian Risiko, serta Sistem Informasi Manajemen Risiko

Bank telah membentuk Risk Management Department (RMD) sebagai unit yang independen dari risk taking unit. RMD bertanggung jawab dalam melakukan proses identifikasi, pengukuran dan pemantauan dari setiap risiko yang dihadapi oleh Bank. Sementara itu laporan-laporan terkait pemantauan setiap risiko yang merupakan data yang dibutuhkan untuk mendukung proses pengambilan keputusan oleh manajemen telah dibuat secara akurat, tepat waktu dan didokumentasikan dengan baik. Pelaporan dan analisis risiko atas produk dan aktivitas baru Bank juga dilakukan sesuai dengan ketentuan yang berlaku.

d. Sistem Pengendalian Intern

Proses pengendalian intern dilakukan secara komprehensif di setiap lini. Penerapan prinsip Segregation of Duties dan Four Eyes Checking diterapkan secara konsisten untuk menjamin akurasi dan validitas transaksi. Sistem pengendalian intern Bank juga dipantau secara regular oleh RMD sebagai bagian dari penilaian profil risiko Bank. Selain itu, Internal Audit Department (IAD) juga melakukan audit secara berkala untuk memastikan bahwa sistem pengendalian internal Bank telah berjalan dengan baik.

Penerapan Manajemen Risiko untuk Risiko Kredit

1. Organisasi Manajemen Risiko KreditKegiatan manajemen risiko kredit telah dilakukan sejak awal proses pemberian kredit. Marketing Department (MKD) bertanggung jawab dalam melakukan seleksi awal serta pemantauan atas debitur yang akan diberikan fasilitas kredit. Loan Department (LOD) bertanggung jawab dalam melakukan pemantauan atas jatuh tempo

c. The Adequacy of Identification Process, Assessment, Monitoring, and Risk Control, as well as Risk Management Information System

The Bank has established the Risk Management Department (RMD) as an independent unit from Risk Taking Unit. RMD is responsible in conducting the process of identification, assessment, and monitoring every risks exposed by the Bank. Meanwhile all related reports related to the monitoring on each risk that are regarded as data required in supporting decision making process by the Management has been made accurately, punctual and well documented. Reporting and risk analysis of the Bank’s products and new activities are also conducted in accordance to the prevailing regulations.

d. Internal Control System

The Internal Control process has been comprehensively conducted in every line. The implementations of Segregation of Duties and Four Eyes Checking Principles have been consistently implemented as to guarantee the accuracy and validity of the transaction. The Bank’s internal control system has also been regularly monitored by RMD as part of the assessment towards the Bank’s risk profile. In addition, Internal Audit Department (IAD) has also periodically conducted audit in order to ensure the Bank’s internal control system has been applied well.

The Implementation of Risk Management for Credit Risk

1. Organization of Credit Risk ManagementThe credit risk management activities have been conducted from the beginning of credit granting process. Marketing Department (MKD) is responsible to conduct the preliminary selection and monitoring on the debtor that will be provided with the credit facility. Loan Department (LOD) is responsible in monitoring for any



fasilitas dan melakukan kaji ulang atas semua aplikasi pemberian kredit serta laporan pemantauan kredit yang dilakukan MKD. Sementara Loan Administration Department (LAD) bertanggung jawab dalam melakukan pemantauan atas pemenuhan Batas Maksimum Pemenuhan Kredit (BMPK), pengendalian atas kondisi dan instruksi kredit, pengendalian terhadap pemenuhan covenant, serta pengendalian terhadap agunan.

RMD bertanggung jawab melakukan pengelolaan risiko kredit dalam tingkatan portofolio kredit Bank, seperti melakukan usulan penetapan risk appetite untuk risiko kredit, pemantauan atas konsentrasi kredit, pengukuran profil risiko kredit Bank serta melakukan stress test.

2. Strategi Manajemen Risiko Kredit untuk Aktivitas yang Memiliki Eksposur Risiko Kredit yang SignifikanSebelum peluncuran suatu produk/aktivitas, Bank telah melakukan analisa yang mencakup analisa atas potensi risiko yang dihadapi oleh Bank serta rencana mitigasi yang dilakukan oleh Bank. Kaji ulang atas kinerja serta aspek risiko dari produk dan aktivitas tersebut juga dilakukan secara berkala.

Selain itu, setiap fasilitas yang diberikan Bank kepada nasabahnya telah melalui proses seleksi yang ketat. Bank telah menerapkan sistem internal grading untuk menilai kemampuan membayar debitur. Bank memiliki kebijakan internal untuk hanya memberikan fasilitas kredit kepada nasabah dengan minimal internal grading tertentu. Proses persetujuan fasilitas kredit dilakukan oleh Komite Kredit. Apabila diperlukan untuk memitigasi risiko kredit, Bank juga mensyaratkan adanya agunan dari kreditur.

matured facility and to review all credit application and report on the credit monitoring prepared by MKD. While Loan Administration Department (LAD) is responsible in monitoring for the Legal Lending Limit (LLL), control on the credit condition and instruction, control on the covenant fulfillment and control on collateral.

RMD is responsible to conduct credit risk management towards the Bank’s credit portfolio, such as to provide recommendation on the establishment of risk appetite for credit risk, monitoring on credit concentration, assessment to the Bank’s credit risk profile and conducting stress test.

2. Strategy of Credit Risk Management for Activities with Significant Credit Risk Exposure Prior to the launching of a product/ activity, the Bank will conduct an analysis that includes the potential risk analysis that the Bank might face and the mitigation plan that the Bank should conduct. The review on the performance and risk aspect from the product and activity is also done periodically.

Besides, every facility that is provided by the Bank to the customers has been through a strict selection. The Bank has implemented the internal grading system to measure the repayment capacity of the debtor. The Bank has internal policy to only provide credit facility to customer with certain minimum internal grading. The process of credit facility approval is done by the Credit Committee. In a case of the need for mitigating the credit risk, the Bank also require collateral from the debtor.




3. Kebijakan Pengelolaan Risiko Konsentrasi KreditDalam rangka pengelolaan risiko konsentrasi kredit, Bank secara berkala melakukan pemantauan atas penyebaran penyaluran kredit berdasarkan beberapa kategori termasuk sektor industri, mata uang dan jangka waktu. Selain itu, bank juga melakukan pemantauan atas porsi kredit yang disalurkan kepada 25 debitur/grup debitur terbesar Bank bila dibandingkan dengan total kredit Bank.

Untuk memastikan kemampuan permodalan Bank dalam menyerap kemungkinan kerugian yang timbul dari konsentrasi kreditnya, Bank juga secara berkala melakukan stress testing dengan skenario yang dikhususkan terhadap konsentrasi kredit Bank.

4. Mekanisme Pengukuran dan Pengendalian Risiko KreditDalam melakukan pengukuran dan pengendalian risiko kredit, Bank telah menetapkan beberapa parameter baik kualitatif maupun kuantitatif. Parameter-parameter tersebut meliputi aspek komposisi dan konsentrasi portofolio kredit, kualitas kredit, proses penyaluran kredit serta posisi persaingan Bank dan faktor eksternal yang diperkirakan dapat berdampak pada kinerja portofolio kredit Bank. Pengukuran dengan parameter tersebut dilakukan secara berkala dan diwujudkan dalam bentuk laporan profil risiko kredit Bank. Profil risiko kredit tersebut kemudian dibandingkan dengan risk appetite Bank atas risiko kredit yang telah ditetapkan sebelumnya.

3. The Policy of Credit Risk Concentration ManagementIn managing the credit concentration risk, the Bank has periodically monitored the credit distribution based on several categories including industrial sector, currency, and tenor. Besides, the Bank has also monitored the credit portion distributed to the Bank’s top 25 debtors/debtor groups compared to the Bank’s total credit.

To ensure on the Bank’s capital capability to the possibility of loss from the credit concentration, the Bank has also periodically conducted stress testing with specific scenario towards the Bank’s credit concentration.

4. Mechanism on the Assessment and Control to Credit Risk In conducting the assessment and control of credit risk, the Bank has set several qualitative and quantitative parameters. These parameters include aspects of composition and credit portfolio consentration, credit quality, credit disbursement process as well as the Bank’s competition position, and external factors that is predicted could affect the performance of the Bank’s credit portfolio. The assessment with these parameters has been conducted periodically and applied into the report of Bank’s credit risk profile. This credit risk profile then compared with the Bank’s eshtablished risk appetite for the credit risk.



Eksposur risiko kredit Bank berdasarkan wilayah, sisa jangka waktu kontrak dan sektor ekonomi per tanggal 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

a. Tagihan Bersih Berdasarkan Wilayah

No. Kategori Portofolio / Portfolio Category 31 Desember 2013 / 31 December 2013 31 Desember 2012 / 31 December 2012

Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area

Wilayah 1 / Area 1 Wilayah 2 / Area 2 Wilayah 3 / Area 3 Wilayah 4 / Area 4 Total / Total Wilayah 1 / Area 1 Wilayah 2 / Area 2 Wilayah 3 / Area 3 Wilayah 4 / Area 4 Total / Total

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12]

1 Tagihan Kepada Pemerintah / Receivable to Government 6,024,281 - - - 6,024,281 5,027,402 - - - 5,027,402

2 Tagihan Kepada Entitas Sektor Publik / Receivable to Public Sector Entities 3,507,385 - 460,634 - 3,968,019 1,761,025 - 675,309 - 2,436,334

3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables to Multilateral Development Banks and International Institution

- - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 3,317,204 - - 3,079,047 6,396,251 1,113,771 - - 2,752,818 3,866,589

5 Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property - - - - - - - - - -

6 Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate - - - - - - - - - -

7 Kredit Pegawai/Pensiunan / Employee/Retired Loans - - - - - - - - - -

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables to Micro, Small Business and Retail Portfolio

66,562 18,349 5,780 - 90,691 275,134 123,520 61,940 - 460,594

9 Tagihan Kepada Korporasi / Receivables to Corporation 30,435,937 738,967 1,365,634 131,222 32,671,760 21,373,541 598,762 634,715 22,114 22,629,132

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 383 400 125 - 908 5,121 2,876 1,602 - 9,599

11 Aset Lainnya / Other Assets 71,869 - - - 71,869 71,643 - - - 71,643

12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposures at Syariah Business Unit (if any)

- - - - - - - - - -

Total 43,423,622 757,716 1,832,173 3,210,269 49,223,779 29,627,637 725,158 1,373,566 2,774,932 34,501,293

b. Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak b. Net Receivables by Remianing Contractual Maturity


Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak / Net Receivables by Contractual Maturity


≤ 1 tahun / ≤ 1 year

> 1 - 3 tahun / > 1 - 3 years

> 3 - 5 tahun / > 3 - 5 years

> 5 tahun / > 5 years

Non-Kontraktual / Non-Contractual

Total ≤ 1 tahun / ≤ 1 year

> 1 - 3 tahun / > 1 - 3 years

> 3 - 5 tahun / > 3 - 5 years



Total

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]

1 Tagihan Kepada Pemerintah / Receivables to Government 3,356,119 - - - 2,668,162 6,024,281 3,201,115 - - - 1,826,287 5,027,402

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 1,440,353 1,867,284 199,748 460,634 - 3,968,019 1,136,287 675,309 375,082 249,656 - 2,436,334


- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 4,531,240 815,909 120,510 61,219 867,373 6,396,251 2,923,536 276,319 9,832 1,359 655,543 3,866,589

5 Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property - - - - - - - - - - - -

6 Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate - - - - - - - - - - - -

7 Kredit Pegawai/Pensiunan / Employee/Retired Loans - - - - - - - - - - - -


65,340 25,309 42 - - 90,691 234,151 226,371 37 35 - 460,594

9 Tagihan Kepada Korporasi / Receivables to Corporation 8,602,498 13,755,302 6,712,541 3,552,059 49,360 32,671,760 7,198,565 10,861,680 3,203,268 1,325,652 39,967 22,629,132

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 445 80 - - 383 908 - - - - 9,599 9,599

11 Aset Lainnya / Other Assets - - - - 71,869 71,869 - - - - 71,643 71,643

12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposures at Sharia Business Unit (if any)

- - - - - - - - - - - -

Total 17,995,996 16,463,883 7,032,842 4,073,912 3,657,147 49,223,779 14,693,654 12,039,679 3,588,219 1,576,702 2,603,039 34,501,293


The Bank’s credit risk exposure by area, remaining contractual maturity and economic sector as of 31 December 2013 and 31 December 2012 are as follow:

a. Net Receivable by Area


Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area

Wilayah 1 / Area 1 Wilayah 2 / Area 2 Wilayah 3 / Area 3 Wilayah 4 / Area 4 Total / Total Wilayah 1 / Area 1 Wilayah 2 / Area 2 Wilayah 3 / Area 3 Wilayah 4 / Area 4 Total / Total

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12]

1 Tagihan Kepada Pemerintah / Receivable to Government 6,024,281 - - - 6,024,281 5,027,402 - - - 5,027,402

2 Tagihan Kepada Entitas Sektor Publik / Receivable to Public Sector Entities 3,507,385 - 460,634 - 3,968,019 1,761,025 - 675,309 - 2,436,334


- - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 3,317,204 - - 3,079,047 6,396,251 1,113,771 - - 2,752,818 3,866,589

5 Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property - - - - - - - - - -

6 Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate - - - - - - - - - -

7 Kredit Pegawai/Pensiunan / Employee/Retired Loans - - - - - - - - - -


66,562 18,349 5,780 - 90,691 275,134 123,520 61,940 - 460,594

9 Tagihan Kepada Korporasi / Receivables to Corporation 30,435,937 738,967 1,365,634 131,222 32,671,760 21,373,541 598,762 634,715 22,114 22,629,132

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 383 400 125 - 908 5,121 2,876 1,602 - 9,599

11 Aset Lainnya / Other Assets 71,869 - - - 71,869 71,643 - - - 71,643

12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposures at Syariah Business Unit (if any)

- - - - - - - - - -

Total 43,423,622 757,716 1,832,173 3,210,269 49,223,779 29,627,637 725,158 1,373,566 2,774,932 34,501,293








≤ 1 tahun / ≤ 1 year

> 1 - 3 tahun / > 1 - 3 years

> 3 - 5 tahun / > 3 - 5 years



Total ≤ 1 tahun / ≤ 1 year

> 1 - 3 tahun / > 1 - 3 years

> 3 - 5 tahun / > 3 - 5 years



Total

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]

1 Tagihan Kepada Pemerintah / Receivables to Government 3,356,119 - - - 2,668,162 6,024,281 3,201,115 - - - 1,826,287 5,027,402

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 1,440,353 1,867,284 199,748 460,634 - 3,968,019 1,136,287 675,309 375,082 249,656 - 2,436,334


- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 4,531,240 815,909 120,510 61,219 867,373 6,396,251 2,923,536 276,319 9,832 1,359 655,543 3,866,589





65,340 25,309 42 - - 90,691 234,151 226,371 37 35 - 460,594

9 Tagihan Kepada Korporasi / Receivables to Corporation 8,602,498 13,755,302 6,712,541 3,552,059 49,360 32,671,760 7,198,565 10,861,680 3,203,268 1,325,652 39,967 22,629,132

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 445 80 - - 383 908 - - - - 9,599 9,599

11 Aset Lainnya / Other Assets - - - - 71,869 71,869 - - - - 71,643 71,643


- - - - - - - - - - - -

Total 17,995,996 16,463,883 7,032,842 4,073,912 3,657,147 49,223,779 14,693,654 12,039,679 3,588,219 1,576,702 2,603,039 34,501,293



c. Tagihan Bersih Berdasarkan Sektor Ekonomi c. Net Receivables by Economic Sector

No. Sektor Ekonomi / Economic Sectors Tagihan Kepada

Pemerintah / Receivable to Government

Tagihan Kepada Entitas Sektor Publik

/ Receivable to Public Sector Entities

Tagihan Kepada Bank

Pembangunan Multilateral

dan Lembaga Internasional / Receivables to

Multilateral Development

Banks and International

Institution

Tagihan Kepada Bank / Receivables to

Bank

Kredit Beragun Rumah Tinggal

/ Loans Secured by Residential

Property

Kredit Beragun Properti

Komersial / Loans Secured

by Commercial Real Estate

Kredit Pegawai/Pensiunan / Employee/

Retired Loans

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan Portofolio Ritel

/ Receivables to Micro, Small

Business and Retail Portfolio

Tagihan Kepada

Korporasi / Receivables

to Corporation

Tagihan yang Telah

Jatuh Tempo / Past Due

Receivables

Aset Lainnya / Other Assets

Eksposur di Unit Usaha Syariah (apabila ada) / Exposures at Sharia Business Unit (if any)

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]


1 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry

- - - - - - - - - - - -

2 Perikanan / Fishery - - - - - - - - - - - -

3 Pertambangan dan Penggalian / Mining and Quarrying - 1,544,261 - - - - - - - - - -

4 Industri Pengolahan / Manufacturing - - - - - - - - 6,436,588 174 - -

5 Listrik, Gas dan Air / Electricity, Gas and Water - - - - - - - - - - - -

6 Konstruksi / Construction - - - - - - - - 111,338 - - -

7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading - - - - - - - - - - -

8 Penyediaan Akomodasi dan Penyediaan Makan Minum / Hotel and Food & Beverage

- - - - - - - - - - - -

9 Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications

- 650,784 - - - - - - - - - -

10 Perantara Keuangan / Financial Intermediary 6,024,281 - - 6,396,251 - - - - 10,503,523 - - -

11 Real estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business Services

- - - - - - - - - - - -

12 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense and Compulsory Social Security

- - - - - - - - - - - -

13 Jasa Pendidikan / Education Services - - - - - - - - - - - -

14 Jasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work Activities

- - - - - - - - - - - -

15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan, dan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal Services

- - - - - - - - - - - -

16 Jasa Perorangan yang Melayani Rumah Tangga / Individual Services for Households

- - - - - - - - - - - -

17 Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies

- - - - - - - - - - - -

18 Kegiatan yang Belum Jelas Batasannya / Undefined Activities - - - - - - - - - - - -

19 Bukan Lapangan Usaha / Non Business Field - - - - - - - 90,691 - 734 - -

20 Lainnya / Others - 1,772,974 - - - - - - 15,620,312 - 71,869 -

Total 6,024,281 3,968,019 - 6,396,251 - 90,691 32,671,760 908 71,869


No. Sektor Ekonomi / Economic Sectors Tagihan Kepada

Pemerintah / Receivable to Government

Tagihan Kepada Entitas Sektor Publik

/ Receivable to Public Sector Entities

Tagihan Kepada Bank





Institution


Bank



Property





Retired Loans





Tagihan Kepada


to Corporation

Tagihan yang Telah


Receivables

Aset Lainnya / Other Assets

Eksposur di Unit Usaha Syariah (apabila ada) / Exposures at Sharia Business Unit (if any)

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]



- - - - - - - - - - - -


3 Pertambangan dan Penggalian / Mining and Quarrying - 1,544,261 - - - - - - - - - -


5 Listrik, Gas dan Air / Electricity, Gas and Water - - - - - - - - - - - -


7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading - - - - - - - - - - -


- - - - - - - - - - - -


- 650,784 - - - - - - - - - -



- - - - - - - - - - - -


- - - - - - - - - - - -



- - - - - - - - - - - -


- - - - - - - - - - - -


- - - - - - - - - - - -


- - - - - - - - - - - -


19 Bukan Lapangan Usaha / Non Business Field - - - - - - - 90,691 - 734 - -

20 Lainnya / Others - 1,772,974 - - - - - - 15,620,312 - 71,869 -

Total 6,024,281 3,968,019 - 6,396,251 - 90,691 32,671,760 908 71,869





No. Sektor Ekonomi / Economic Sectors Tagihan Kepada Pemerintah /

Receivables to Government

Tagihan Kepada En-titas Sektor Publik /

Receivables to Public Sector Entities

Tagihan Kepada Bank





Institution


Bank



Property





Retired Loans





Tagihan Kepada


to Corporation

Tagihan yang Telah


Receivables

Aset Lainnya /

Other Assets

Eksposur di Unit Usaha Syariah (apabila

ada) / Exposures at Sharia Business Unit

(if any)

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]


c. Tagihan Bersih Berdasarkan Sektor Ekonomi c. Net Receivable by Economic Sector



- - - - - - - - 417,285 - - -


3 Pertambangan dan Penggalian / Mining and Quarrying - 1,633,500 - - - - - - 157,103 - - -


5 Listrik, Gas dan Air / Electricity, Gas and Water - - - - - - - - 222,867 - - -


7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading - 427,752 - - - - - - 2,965,784 - - -


- - - - - - - - - - - -


- 375,082 - - - - - - 1,862,049 - - -



- - - - - - - - 7,983 - - -


- - - - - - - - - - - -



- - - - - - - - - - - -


- - - - - - - - - - - -


- - - - - - - - - - - -


- - - - - - - - 146,493 - - -


19 Bukan Lapangan Usaha / Non Business Field - - - - - - - 460,594 - 9,457 - -

20 Lainnya / Others - - - - - - - - 808,901 - 71,643 -

Total 5,027,402 2,436,334 - 3,866,589 - - - 460,594 22,629,132 9,599 71,643 -


No. Sektor Ekonomi / Economic Sectors Tagihan Kepada Pemerintah /

Receivables to Government

Tagihan Kepada En-titas Sektor Publik /

Receivables to Public Sector Entities

Tagihan Kepada Bank





Institution


Bank



Property





Retired Loans





Tagihan Kepada


to Corporation

Tagihan yang Telah


Receivables

Aset Lainnya /

Other Assets

Eksposur di Unit Usaha Syariah (apabila

ada) / Exposures at Sharia Business Unit

(if any)

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]



- - - - - - - - 417,285 - - -


3 Pertambangan dan Penggalian / Mining and Quarrying - 1,633,500 - - - - - - 157,103 - - -


5 Listrik, Gas dan Air / Electricity, Gas and Water - - - - - - - - 222,867 - - -


7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading - 427,752 - - - - - - 2,965,784 - - -


- - - - - - - - - - - -


- 375,082 - - - - - - 1,862,049 - - -



- - - - - - - - 7,983 - - -


- - - - - - - - - - - -



- - - - - - - - - - - -


- - - - - - - - - - - -


- - - - - - - - - - - -


- - - - - - - - 146,493 - - -


19 Bukan Lapangan Usaha / Non Business Field - - - - - - - 460,594 - 9,457 - -

20 Lainnya / Others - - - - - - - - 808,901 - 71,643 -

Total 5,027,402 2,436,334 - 3,866,589 - - - 460,594 22,629,132 9,599 71,643 -






Tagihan yang telah jatuh tempo dan tagihan yang mengalami penurunan nilai

Berdasarkan karakteristik risiko dari pihak lawan, tagihan Bank dibedakan menjadi tagihan korporasi, konsumen dan institusi keuangan.

Untuk tagihan korporasi, dalam melakukan pemantauan penurunan nilai, Bank menggunakan peringkat internal yang diadopsi dari perusahaan induk (SMBC). Peringkat internal terdiri dari 10 tingkat, dari tingkat 1 dengan tingkat risiko yang paling rendah sampai dengan tingkat 10 dengan tingkat risiko yang paling tinggi. Sistem peringkat memiliki trigger event yang dijadikan sebagai acuan dalam melakukan pengawasan yang berkesinambungan untuk memeriksa peringkat peminjam. Trigger event adalah pada saat peringkat internal nasabah korporasi menjadi 7A atau 7B atau mengalami restrukturisasi kredit. Peminjam dianggap gagal bayar atau mengalami penurunan nilai (loss event) bila berada pada peringkat 7R atau lebih rendah.

Untuk tagihan konsumen, yaitu tagihan Asset Purchase, trigger event adalah pada saat nasabah terlambat melakukan pembayaran dan peminjam dianggap gagal bayar atau mengalami penurunan nilai bila terdapat keterlambatan pembayaran lebih dari 90 (sembilan puluh) hari kalender.

Untuk insitusi keuangan, sejak Bank berdiri, Bank tidak pernah mengalami kerugian yang disebabkan oleh tagihan kepada bank lain.

Pendekatan pembentukan Cadangan Kerugian Penurunan Nilai (CKPN) secara individual dan kolektif

Cadangan Kerugian Penurunan Nilai secara individual dihitung berdasarkan selisih antara baki debet pinjaman dengan Net Present Value (NPV) dari proyeksi aliran kas dimasa depan.

Past due receivable and impaired receivable

Based on risk characteristic of counter party, the Bank‘s receivable is segmented into corporate, consumer and financial institution.

For corporate loan, in monitoring its impairment, the Bank uses internal grading adopted from Parent Bank (SMBC). It consists of 10 grades from grade 1 as the least risky up to grade 10 as the riskiest. The grading system has trigger event to conduct continuous monitoring to review the obligor grade. The trigger event is when the corporate obligor’s internal grade became 7A or 7B, or its loan is restructured. The debtor is considered as default or impaired (loss event) if the grade is 7R or below.

For consumer receivable, which is Asset Purchase receivable, trigger event is the past due/delinquency, and the debtor is considered as default or impaired if the delinquency is more than 90 (ninety) calendar days.

For financial institution, since the establishment of the Bank, there is no event that the Bank experienced loss from the claim to other banks.

Impairment Assessment: individual and collective impairment

Individual impairment will be calculated based on the difference between outstanding loan balance with Net Present Value (NPV) of future cash flow projection.


Pengungkapan Permodalan serta pengungkapanExposure Risiko dan Penerapan Manajemen Risiko

Disclosure on Capital and Risk Exposure as Well as Risk Management Implementation

Cadangan Kerugian Penurunan Nilai secara kolektif dihitung berdasarkan estimasi PD (Probability of Default), LGD (Loss Given Default) dan LIP (Loss Identification Period) dari masing-masing jenis tagihan.Dalam menghitung rasio penurunan nilai untuk pinjaman korporasi, Bank tidak mengklasifikasikan portofolio pinjaman korporasi kedalam beberapa sektor ekonomi. Hal ini dikarenakan jumlah nasabah yang dimiliki Bank dalam sektor ekonomi tertentu terlalu sedikit untuk dijadikan dasar yang sah dan andal dalam mewakili keadaan yang sebenarnya pada sektor ekonomi tertentu tersebut. PD dan LGD dari penurunan nilai diperoleh dengan menggunakan metodologi analisa migrasi dari data historis yang dimiliki Bank dengan rentang waktu paling sedikit selama 3 (tiga) tahun. Bank menetapkan LIP untuk pinjaman korporasi adalah 1 (satu) tahun. Hal ini disebabkan Bank melakukan peninjauan ulang peringkat nasabah dengan jangka waktu paling sedikit 1 (satu) kali dalam setahun. Jangka waktu ini akan ditinjau ulang secara terus menerus. Periode LIP akan diukur sejak peringkat nasabah menjadi peringkat 7 (perlu perhatian) turun menjadi 7R atau lebih rendah.

Untuk tagihan konsumen, nasabah-nasabah Asset Purchase dikelompokkan berdasarkan jumlah hari tunggakan, di mana tiap kelompok mempunyai rasio PD yang berbeda. Rasio PD tersebut diperoleh dengan menggunakan analisa roll rate yang diambil dari data kelompok peer dan digabungkan dengan data historis yang dimiliki Bank. Sementara LGD telah dihasilkan melalui data yang dimiliki oleh Bank. Periode LIP adalah periode antara trigger event pada keterlambatan bayar hari pertama dan loss event pada 91 hari keterlambatan pembayaran (tanggal gagal bayar). Periode/jeda waktu adalah 3 (tiga) bulan dan faktor LIP adalah 25%.

Collective impairment calculation is computed based on estimated PD (Probability of Default), LGD (Loss Given Default) and LIP (Loss Identification Period) from each receivable segment.In calculating the impairment ratio for corporate loans, the Bank does not classify the corporate loan portfolios into economic sectors. The reason is because numbers of the Bank’s debtor in certain economic sectors are too few to take into consideration as a valid and reliable representation of the condition for that particular sector. PD and LGD of impairment are obtained using migration analysis methodology of historical data of the Bank’s own data from at least 3 (three) years. Bank defines LIP for corporate customer as 1 (one) year since the Bank review the obligor grading at least once a year. The period will be reviewed from time to time. LIP period will be measured from the time company’s obligor grade become 7 (requiring caution) until downgraded to 7R or below.

For consumer receivable, Asset Purchase debtors are grouped into buckets of the overdue days, in which each bucket has its own PD ratio. PD ratios are obtained by using roll rate analysis drawn from the peer group data combined with the Bank’s historical data. Meanwhile, the LGD is already generated from the Bank’s own data. LIP period is the period between the trigger event of the first day past due and the loss event of the 91 days past due (default date). The time lag would be 3 (three) months and the LIP factor is 25%.



Tagihan dan Pencadangan berdasarkan wilayah, sektor ekonomi dan rincian mutasi cadangan kerugian penurunan nilai per tanggal 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

a. Tagihan dan Pencadangan Berdasarkan Wilayah

Receivable and Provisioning by area, economic sector and impairment provision movement as of 31 December 2013 and 31 December 2012 are as follow:

a. Receivable and Provisioning by Area

No. Keterangan/ Description 31 Desember 2013 / 31 December 2013

Wilayah / Area

Wilayah 1 / Area 1 Wilayah 2 / Area 2 Wilayah 3 / Area 3 Wilayah 4 / Area 4 Total

[1] [2] [3] [4] [5] [6] [7]

1 Tagihan / Receivables 43,450,600 767,933 1,832,391 3,210,269 49,261,193

2 Tagihan yang mengalami penurunan nilai / Impaired Receivables 32,126,244 767,933 1,820,981 - 34,715,158

a. Belum Jatuh Tempo / Non Past Due 32,124,955 757,363 1,820,638 - 34,702,955

b. Telah Jatuh Tempo / Past Due 1,289 10,570 343 - 12,203

3 Cadangan kerugian penurunan nilai (CKPN) - Individual / Allowances for Impairment Losses - Individual

26,119 9,768 - - 35,887

4 Cadangan kerugian penurunan nilai (CKPN) - Kolektif / Allowances for Impairment Losses - Collective

8,020 559 1,375 - 9,954

5 Tagihan yang dihapus buku / Written Off Receivables 7,824 4,484 3,042 - 15,351


Wilayah / Area


[1] [2] [3] [4] [5] [6] [7]




b. Telah Jatuh Tempo / Past Due 40,522 8,016 - - 48,538


35,287 7,874 - - 43,161


5,856 1,699 1,507 - 9,062

5 Tagihan yang dihapus buku / Written Off Receivables 1,013 615 624 - 2,253



Wilayah / Area


[1] [2] [3] [4] [5] [6] [7]




b. Telah Jatuh Tempo / Past Due 1,289 10,570 343 - 12,203


26,119 9,768 - - 35,887


8,020 559 1,375 - 9,954

5 Tagihan yang dihapus buku / Written Off Receivables 7,824 4,484 3,042 - 15,351


Wilayah / Area


[1] [2] [3] [4] [5] [6] [7]




b. Telah Jatuh Tempo / Past Due 40,522 8,016 - - 48,538


35,287 7,874 - - 43,161


5,856 1,699 1,507 - 9,062

5 Tagihan yang dihapus buku / Written Off Receivables 1,013 615 624 - 2,253






b. Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi

b. Receivable and Provisioning by Economic Sector

No. Sektor Ekonomi / Economic Sector Tagihan / Receivables

Tagihan yang Mengalami Penurunan Nilai / Impaired Receivables

Cadangan Kerugian Penurunan Nilai (CKPN)

- Individual / Allowances for Impairment Losses -

Individual

Cadangan Kerugian Penurunan Nilai (CKPN) - Kolektif /

Allowances for Impairment Losses - Collective

Tagihan yang dihapus buku /

Written Off Receivables Belum Jatuh Tempo /

Non Past Due Telah Jatuh Tempo /

Past Due

[1] [2] [3] [4] [5] [6] [7] [8]


1 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry - - - - - -

2 Perikanan / Fishery - - - - - -

3 Pertambangan dan Penggalian / Mining and Quarrying 1,544,261 1,544,261 - - 504 -

4 Industri Pengolahan / Manufacturing 6,451,060 6,362,811 9,943 14,298 2,226 -

5 Listrik, Gas dan Air / Electricity, Gas and Water - - - - - -

6 Konstruksi / Construction 111,338 - - - - -

7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading - - - - - -

8 Penyediaan Akomodasi dan Penyediaan Makan Minum / Hotel and Food & Beverage - - - - - -

9 Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications 650,784 650,784 - - 76 -

10 Perantara Keuangan / Financial Intermediary 22,924,055 10,142,020 - - 1,924 -

11 Real estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business Services - - - - - -

12 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense and Compulsory Social Security - - - - - -

13 Jasa Pendidikan / Education Services - - - - - -

14 Jasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work Activities - - - - - -

15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan, dan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal Services - - - - - -

16 Jasa Perorangan yang Melayani Rumah Tangga / Individual Services for Households - - - - - -

17 Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies - - - - - -

18 Kegiatan yang Belum Jelas Batasannya / Undefined Activities - - - - - -

19 Bukan Lapangan Usaha / Non Business Field 92,951 90,691 2,260 - 1,607 15,351

20 Lainnya / Others 17,486,745 15,912,388 - 21,590 3,618 -

Total 49,261,193 34,702,955 12,203 35,887 9,954 15,351








Individual






Past Due

[1] [2] [3] [4] [5] [6] [7] [8]


1 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry - - - - - -


3 Pertambangan dan Penggalian / Mining and Quarrying 1,544,261 1,544,261 - - 504 -


5 Listrik, Gas dan Air / Electricity, Gas and Water - - - - - -

6 Konstruksi / Construction 111,338 - - - - -

7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading - - - - - -


9 Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications 650,784 650,784 - - 76 -


11 Real estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business Services - - - - - -






17 Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies - - - - - -


19 Bukan Lapangan Usaha / Non Business Field 92,951 90,691 2,260 - 1,607 15,351

20 Lainnya / Others 17,486,745 15,912,388 - 21,590 3,618 -

Total 49,261,193 34,702,955 12,203 35,887 9,954 15,351








Individual






Past Due

[1] [2] [3] [4] [5] [6] [7] [8]

b. Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi

b. Receivable and Provisioning by Economic Sector

31 Desember 2012 / 31 December 2012 -

1 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry 417,285 417,111 - - 155 -


3 Pertambangan dan Penggalian / Mining and Quarrying 1,790,603 1,704,855 361 -


5 Listrik, Gas dan Air / Electricity, Gas and Water 222,867 222,185 - - 24 -

6 Konstruksi / Construction 334,468 4,819 - - 2 -

7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading 3,414,364 3,341,175 14,562 9,353 449 -


9 Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications 2,237,131 1,930,349 - - 219 -


11 Real estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business Services 7,983 7,971 - - 1 -






17 Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies 146,493 - - - - -


19 Bukan Lapangan Usaha / Non Business Field 475,092 468,392 5,568 2,253

20 Lainnya / Others 881,205 - - - - -

Total 34,549,495 23,225,300 48,538 43,161 9,062 2,253






Individual






Past Due

[1] [2] [3] [4] [5] [6] [7] [8]

31 Desember 2012 / 31 December 2012 -

1 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry 417,285 417,111 - - 155 -


3 Pertambangan dan Penggalian / Mining and Quarrying 1,790,603 1,704,855 361 -


5 Listrik, Gas dan Air / Electricity, Gas and Water 222,867 222,185 - - 24 -

6 Konstruksi / Construction 334,468 4,819 - - 2 -

7 Perdagangan Besar dan Eceran / Wholesale and Retail Trading 3,414,364 3,341,175 14,562 9,353 449 -


9 Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications 2,237,131 1,930,349 - - 219 -


11 Real estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business Services 7,983 7,971 - - 1 -






17 Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies 146,493 - - - - -


19 Bukan Lapangan Usaha / Non Business Field 475,092 468,392 5,568 2,253

20 Lainnya / Others 881,205 - - - - -

Total 34,549,495 23,225,300 48,538 43,161 9,062 2,253






Keterangan / Description 31 Desember 2013 31 Desember 2012

CKPN Individual

CKPN Kolektif

CKPN Individual

CKPN Kolektif

[1] [2] [3] [4] [5] [6]

1 Saldo awal CKPN / Beginning Balance - Allowance for Impairment Losses

43,162 9,062 38,121 13,145

2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net) / Additional (reversal) allowance for impairment losses during the year (Net)

(7,275) 14,080 5,041 (2,429)

3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan / Allowance for impairment losses used for written off receivables during the year

- (13,188) - (1,655)

4 Pembentukan (pemulihan) lainnya pada periode berjalan Other additional (reversal) of allowance during the year

- - - -

Saldo akhir CKPN / Ending Balance of Allowance for Impairment Losses

35,887 9,954 43,162 9,062


c. Rincian Mutasi Cadangan Kerugian Penurunan Nilai c. Impairment Provision Movement

Kebijakan Penggunaan Peringkat

Sesuai peraturan Bank Indonesia di atas, kebijakan penggunaan peringkat dalam perhitungan ATMR adalah sebagai berikut: 1. Dalam satu kelompok usaha, peringkat suatu perusahaan

hanya berlaku untuk perusahaan tersebut dan tidak dapat digunakan untuk menetapkan bobot risiko dari perusahaan lain dalam kelompok tersebut.

2. Peringkat domestik hanya digunakan untuk penetapan bobot risiko tagihan dalam mata uang Rupiah, sedangkan peringkat internasional digunakan untuk penetapan bobot risiko tagihan dalam valuta asing.

3. Penetapan bobot risiko atas tagihan dalam bentuk surat berharga didasarkan pada peringkat dari surat berharga dimaksud (issue rating). Dalam hal surat berharga tidak memiliki peringkat maka penetapan bobot risiko didasarkan pada bobot risiko dari tagihan tanpa

Policy for the Use of Rating

In accordance with the above Bank Indonesia regulation, the policies for the use of rating in the calculation of Risk Weighted Assets (RWA) are as follows:1. In a group of companies, rating of a company is only

applicable to that respective company and it cannot be used to calculate risk weighted assets of another company in the group.

2. Domestic Rating is only used for the determination of risk weight of receivables denominated in Rupiah, while international ratings are used for determining risk weight of receivables in foreign currency.

3. Determination of risk weight on receivable in the form of securities is based on the rating of the securities referred to (issue rating). In the case of securities which are not rated, the determination of risk weight is based on the risk weighting of unrated receivables. The determination




peringkat. Penetapan bobot risiko atas tagihan dalam bentuk selain surat berharga, didasarkan pada peringkat debitur (issuer rating). Dalam hal tagihan dalam bentuk selain surat berharga tidak memiliki peringkat maka penetapan bobot risiko didasarkan pada bobot risiko dari tagihan tanpa peringkat.

4. Peringkat jangka pendek digunakan untuk penetapan bobot risiko dari surat berharga yang memiliki peringkat jangka pendek dan diterbitkan oleh pihak yang termasuk dalam cakupan Tagihan Kepada Bank atau Tagihan Kepada Korporasi. Dalam hal tagihan jangka pendek tidak mempunyai peringkat jangka pendek, maka penetapan bobot risiko menggunakan peringkat jangka panjang.

5. Apabila suatu eksposur mempunyai lebih dari satu peringkat yang eligible, maka yang digunakan adalah peringkat yang memberikan bobot risiko terendah ke-2 (dua). Dalam hal ini apabila hanya terdapat dua peringkat, maka yang digunakan adalah peringkat yang terendah.

of risk weight on receivables other than securities is based on the rating of the debtor (issuer rating). In the event that the receivables other than securities are not rated, the determination of risk weight is based on the risk weighting of unrated receivables.

4. Short-term ratings are used for determining the risk weight of the securities that have rated short-term and published by parties within the scope of Receivables on Bank or Receivables on Corporations. In the event that the short-term receivable has no short-term rating, the determination of risk weight is by done using a long-term rating.

5. If an exposure has more than one eligible rating, then the rating that gives the second lowest risk weight is used. In case of only two ratings, the lowest rating is used.

Kategori Portfolio yang menggunakan PeringkatPeringkat diberlakukan untuk menentukan bobot risiko dari tagihan kepada pemerintah, entitas sektor publik, bank pembangunan multilateral dan lembaga internasional, bank dan korporasi.

Lembaga PemeringkatPeringkat yang digunakan adalah peringkat terkini yang dikeluarkan oleh lembaga pemeringkat yang diakui oleh Bank Indonesia sesuai ketentuan Bank Indonesia yang mengatur mengenai lembaga pemeringkat dan peringkat yang diakui Bank Indonesia.

Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat per tanggal 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

Types of Portfolio using RatingRatings are applicable to determine risk weights of exposure to sovereigns, public sector entities, multilateral development banks and international firms, banks and corporations.

Rating AgenciesThe ratings used are the latest ratings issued by rating agencies approved by Bank Indonesia in accordance with Bank Indonesia regulations regarding Rating Agency and ratings approved by Bank Indonesia.

Net Receivable by Portfolio and Rating Category as of 31 December 2013 and 31 December 2012 are as follow:




No. Kategori Portofolio / Portfolio Category

Tagihan Bersih / Net Receivables

Lembaga Pemeringkat / Rating Company

Peringkat Jangka Panjang / Long Term Rating

Peringkat Jangka Pendek / Short Term Rating Tanpa Peringkat /

Unrated

Total

Standard and Poor’s AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-

BB+ s.d BB- B+ s.d B- < B- A-1 A-2 A-3 < A-3

Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB-

BB+ s.d BB- B+ s.d B- < B- F1+ s.d F1 F2 F3 < F3

Moody’s Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3

Ba1 s.d Ba3 B1 s.d B3 < B3 P-1 P-2 P-3 < P-3

PT. Fitch Ratings Indonesia AAA (idn) AA+(idn) s.d AA-(idn) A+(idn) s.d A-(idn)

BBB+(idn) s.d BBB-

(idn)

BB+(idn) s.d BB-(idn)

B+(idn) s.d B-(idn)

< B-(idn) F1+(idn) s.d F1(idn)

F2(idn) F3(idn) < F3(idn)

PT ICRA Indonesia [ldr]AAA [ldr]AA+ s.d [ldr]AA- [ldr]A+ s.d [ldr]A-

[ldr]BBB+ s.d [ldr]

BBB-

[ldr]BB+ s.d [ldr]BB-

[ldr]B+ s.d [ldr]B-

< [ldr]B- [ldr]A1+ s.d [ldr]A1

[ldr]A2+ s.d [ldr]A2


< [ldr]A3

PT Pemeringkat Efek Indonesia idAAA idAA+ s.d idAA- idA+ s.d idA-

id BBB+ s.d id BBB-

id BB+ s.d id BB-

id B+ s.d id B-

< id B- idA1 idA2 idA3 s.d idA4

< idA4

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14] [15] [16]

1 Tagihan Kepada Pemerintah / Receivables to Government

- - - - 76,156 - - - - - - 5,948,125 6,024,281

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities

650,784 - - - 1,544,261 - - - - - - 1,772,974 3,968,019

3 Tagihan Kepada Bank Pembangunan Multilat-eral dan Lembaga Internasional / Receivables to Multilateral Development Banks and International Institution

- - - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 503,711 2,723,922 2,309,983 442,910 88 - - - - - - 415,637 6,396,251

5 Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property

- - - - - - - - - - - - -

6 Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate

- - - - - - - - - - - - -

7 Kredit Pegawai/Pensiunan / Employee/Retired Loans

- - - - - - - - - - - - -


- - - - - - - - - - - 90,691 90,691

9 Tagihan Kepada Korporasi / Receivables to Corporation

1,450 2,825,493 279,490 54,637 - - - - - - - 29,510,690 32,671,760

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables

- - - - - - - - - - - 908 908

11 Aset Lainnya / Other Assets - - - - - - - - - - - 71,869 71,869


- - - - - - - - - - - - -

Total 1,155,945 5,549,415 2,589,473 497,547 1,620,505 - - - - - - 37,810,894 49,223,779







Unrated

Total








BBB+(idn) s.d BBB-

(idn)


B+(idn) s.d B-(idn)




[ldr]BBB+ s.d [ldr]

BBB-


[ldr]B+ s.d [ldr]B-




< [ldr]A3


id BBB+ s.d id BBB-

id BB+ s.d id BB-

id B+ s.d id B-


< idA4

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14] [15] [16]


- - - - 76,156 - - - - - - 5,948,125 6,024,281


650,784 - - - 1,544,261 - - - - - - 1,772,974 3,968,019

3 Tagihan Kepada Bank Pembangunan Multilat-eral dan Lembaga Internasional / Receivables to Multilateral Development Banks and International Institution

- - - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 503,711 2,723,922 2,309,983 442,910 88 - - - - - - 415,637 6,396,251


- - - - - - - - - - - - -


- - - - - - - - - - - - -

7 Kredit Pegawai/Pensiunan / Employee/Retired Loans

- - - - - - - - - - - - -


- - - - - - - - - - - 90,691 90,691

9 Tagihan Kepada Korporasi / Receivables to Corporation

1,450 2,825,493 279,490 54,637 - - - - - - - 29,510,690 32,671,760

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables

- - - - - - - - - - - 908 908



- - - - - - - - - - - - -

Total 1,155,945 5,549,415 2,589,473 497,547 1,620,505 - - - - - - 37,810,894 49,223,779












Unrated

Total








BBB+(idn) s.d BBB-

(idn)


B+(idn) s.d B-(idn)




[ldr]BBB+ s.d [ldr]

BBB-


[ldr]B+ s.d [ldr]B-




< [ldr]A3


id BBB+ s.d id BBB-

id BB+ s.d id BB-

id B+ s.d id B-


< idA4

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14] [15] [16]


- - - - - - - - - - - 5,027,402 5,027,402


375,082 675,309 - - 958,191 - - - - - - 427,752 2,436,334


- - - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 3,469 400,843 2,916,688 221,701 70 - - - - - - 323,818 3,866,589


- - - - - - - - - - - - -


- - - - - - - - - - - - -

7 Kredit Pegawai/Pensiunan / Employee/Retired Loans - - - - - - - - - - - - -


- - - - - - - - - - - 460,594 460,594

9 Tagihan Kepada Korporasi / Receivables to Corporation - 3,287,543 174,733 - - - - - - - 19,166,856 22,629,132

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables - - - - - - - - - - - 9,599 9,599



- - - - - - - - - - - - -

Total 378,551 4,363,695 3,091,421 221,701 958,261 - - - - - - 25,487,664 34,501,293



No. Variabel yang Mendasari / Underlying Variables

31 Desember 2013 / 31 December 2013 31 Desember 2012 / 31 December 2012

Notional Amount Tagihan Derivatif / Derivative

Receivables

Kewajiban Derivatif / Derivative Liabilities

Tagihan Bersih

sebelum MRK / Net

Receivalbes before CRM

MRK / CRM Tagihan Bersih

setelah MRK / Net

Receivables after CRM


Receivables


Tagihan Bersih sebelum MRK / Net Receivalbes

before CRM

MRK / CRM Tagihan Bersih setelah MRK / Net


≤ 1 Tahun / ≤ 1 Year

> 1 - ≤ 5 Tahun / > 1 - ≤ 5

Years

> 5 Tahun / > 5 Years


> 1 - ≤ 5 Tahun /

> 1 - ≤ 5 Years


1 Suku Bunga / Interest Rate 4,834,347 10,345,806 1,140,801 1,623,873 255,457 1,879,330 98,727 1,780,603 5,087,859 6,656,775 90,578 400,200 178,146 578,346 274 578,072

2 Nilai Tukar / Foreign Exchange 8,520,356 7,796,294 354,735 1,657,982 266,666 1,924,648 133,204 1,791,444 7,549,557 6,886,939 90,578 475,079 188,367 663,447 14,638 648,809

3 Lainnya / Others - - - - - - - - - - - - - - - -

Total 13,354,703 18,142,100 1,495,536 3,281,855 522,123 3,803,978 231,932 3,572,046 12,637,416 13,543,714 181,155 875,279 366,513 1,241,793 14,912 1,226,881

Risiko Kredit Pihak LawanRisiko kredit pihak lawan adalah risiko kerugian bagi Bank jika terjadi kegagalan pihak lawan terhadap transaksi yang telah disepakati sebelum penyelesaian (settlement), dan harga pasar di saat Bank mengganti transaksi tersebut adalah kurang menguntungkan dibandingkan harga kontrak.

Risiko kredit pihak lawan Bank berasal dari tagihan spot dan transaksi derivatif, yang mencakup forward, Interest Rate Swap (IRS) dan Cross Currency Swap (CCS). Semua transaksi derivatif dilakukan untuk memenuhi kebutuhan nasabah dan mengelola posisi Bank. Semua kontrak derivatif telah dilindungi dengan perjanjian ISDA (International Swaps and Derivatives Association) yang ditandatangani oleh Bank dan pihak lawan.

Risiko Kredit Pihak Lawan Transaksi Derivatif Bank per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:


No. Variabel yang Mendasari / Underlying Variables



Receivables


Tagihan Bersih

sebelum MRK / Net

Receivalbes before CRM

MRK / CRM Tagihan Bersih

setelah MRK / Net



Receivables


Tagihan Bersih sebelum MRK / Net Receivalbes

before CRM

MRK / CRM Tagihan Bersih setelah MRK / Net



> 1 - ≤ 5 Tahun / > 1 - ≤ 5

Years



> 1 - ≤ 5 Tahun /

> 1 - ≤ 5 Years


1 Suku Bunga / Interest Rate 4,834,347 10,345,806 1,140,801 1,623,873 255,457 1,879,330 98,727 1,780,603 5,087,859 6,656,775 90,578 400,200 178,146 578,346 274 578,072

2 Nilai Tukar / Foreign Exchange 8,520,356 7,796,294 354,735 1,657,982 266,666 1,924,648 133,204 1,791,444 7,549,557 6,886,939 90,578 475,079 188,367 663,447 14,638 648,809

3 Lainnya / Others - - - - - - - - - - - - - - - -

Total 13,354,703 18,142,100 1,495,536 3,281,855 522,123 3,803,978 231,932 3,572,046 12,637,416 13,543,714 181,155 875,279 366,513 1,241,793 14,912 1,226,881




Counterparty credit risk Counterparty credit risk is the risk of loss to the Bank in the event that the counterparty defaults on an agreed transaction prior to settlement, and the prevailing market prices at which the Bank can replace the transaction is less favourable than the contract price.

The Bank’s counterparty credit risk comes from spot and derivative transactions which cover forward, Interest Rate Swap (IRS) and Cross Currency Swap (CCS). All derivative transactions are conducted in order to cover requirements from customers and manage the Bank’s position. All derivative contracts have already been covered by ISDA (International Swaps and Derivatives Association) agreement signed by the Bank and the counterparty.

Counter Party Credit Risk Derivative Transaction of the Bank as of 31 December 2013 and 31 December 2012 are as follow:



Mitigasi Risiko Kredit

Dalam upaya memitigasi risiko kredit, Bank dapat mensyaratkan adanya agunan dari debitur.

Agunan yang Diterima

Umumnya jenis agunan yang diterima Bank adalah kas, deposito berjangka, aset tetap seperti tanah dan bangunan, tagihan fiduciary, personal guarantee, corporate guarantee, dan Standby Letters of Credit (SBLC).

Untuk perhitungan beban modal dengan pendekatan standar, Bank hanya mempertimbangkan agunan dalam bentuk kas atau setara kas.

Pengelolaan Agunan yang Diterima

Bank telah mengatur pengelolaan agunan/jaminan dalam Kebijakan Kredit. Hal-hal yang diatur dalam kebijakan tersebut diantaranya adalah pihak yang melaksanakan penilaian dan pemeriksaan agunan, aturan dan prosedur penilaian, serta frekuensi penilaian berdasarkan jenis agunan dan sifat dari eksposur risiko yang mendasarinya.

Garansi

Agunan non fisik seperti garansi dan letters of credit juga dimiliki Bank untuk eksposur korporasi. Corporate Guarantee umumnya berasal dari perusahaan induk debitur atau perusahaan lain sebagai bagian dari grup debitur, sedangkan Personal Guarantee didapatkan dari pemegang saham debitur. Sementara untuk ekposur kredit yang dijamin SBLC, Bank mendapatkan jaminan SBLC dari bank koresponden yang memenuhi persyaratan sebagai Prime Bank sesuai ketentuan Bank Indonesia.

Credit Risk Mitigation

As the effort to mitigate credit risk, the Bank might request for the collateral from the debtor.

Eligible Collateral

In general, the Bank uses cash, time deposit, fixed asset of land and building, fiduciary, personal guarantee, corporate guarantee, and Standby Letters of Credit (SBLC).

For the purpose of capital charge calculation under the Standardized Approach, the Bank only considers collateral in the form of cash or cash equivalent.

Collateral Management

The Bank has set the management for collateral/ guarantee in the Credit Policy. Matters set out in this policy include parties carrying out the valuation and examination of collateral, rules and procedures for valuation, as well as the frequency of valuation based on type of collateral and the nature of the underlying risk exposure.

Guarantee

Non-tangible collateral, such as guarantees and letters of credit, may also be held against corporate exposures. Corporate Guarantee mainly comes from the debtor’s parent company or other main company within a debtor’s group, while Personal Guarantee is provided by the debtor’s shareholders. Meanwhile, for the credit exposure covered by SBLC, the Bank obtains the SBLC guarantee from the correspondent banks that qualify as Prime Bank as per Bank Indonesia regulation.




Konsentrasi Agunan

Sebagian besar dari eksposur risiko kredit termitigasi dengan baik melalui jaminan yang diperoleh dari Prime Bank.

Tagihan Bersih Bank Berdasarkan Bobot Risiko setelah Memperhitungkan Dampak Mitigasi Risiko Kredit per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

Concentration of Collateral

Most of credit risk exposures are well mitigated by the guarantee from Prime Bank.

Net Receivable of the Bank by Risk Weight after Credit Risk Mitigation as of 31 December 2013 and 31 December 2012 are as follow:



No. Kategori Portofolio / Portfolio Category 31 Desember 2013 / 31 December 2013 ATMR / RWA Beban Modal / Capital Charge

Tagihan Bersih Setelah MemperhitungkanDampak Mitigasi Risiko Kredit /

Net Receivables after Calculation of Credit Risk Mitigation Impact

0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya / Others

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]

A Eksposur Neraca / Balance Sheet Exposures

1 Tagihan Kepada Pemerintah / Receivables to Government 5,944,961 - - - - - - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - 650,785 - - - 3,270,622 - 46,612 - - 1,812,080 144,966


- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank - 4,265,547 - - - 535,966 - - - - 1,128,370 90,270





- - - - - - 90,691 - - - 68,018 5,441

9 Tagihan Kepada Korporasi / Receivables to Corporation - 2,476,024 - - - 9,237,688 - 18,910,424 - - 24,024,473 1,921,958

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables - - - - - - - - 908 - 1,362 109

11 Aset Lainnya / Other Assets 17,239 - - - - - - 32,021 22,609 - 65,935 5,275

12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposures at Sharia Business Unit (if any) - - - - - - - - - - - -

Total Eksposur Neraca / Total Exposure - Balance Sheet 5,962,200 7,392,356 - - - 13,044,276 90,691 18,989,057 23,517 - 27,100,238 2,168,019

B Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Commitment/ Contingency Receivables Exposures

1 Tagihan Kepada Pemerintah / Receivables to Government - - - - - - - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - - - - - - - - - - - -


- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank - - - - - - - - - - - -





- - - - - - - - - - - -

9 Tagihan Kepada Korporasi / Receivables to Corporation 1,572 150,000 - - - 667,300 - 882,635 - - 1,246,286 99,703

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables - - - - - - - - - - - -


Total Eksposur TRA / Total Exposures - Off Balance Sheet 1,572 150,000 - - - 667,300 - 882,635 - - 1,246,286 99,703

C Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk Exposures

1 Tagihan Kepada Pemerintah / Receivables to Government 79,320 - - - - - - - - - - -



- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank - 1,403,543 - - - 191,195 - - - - 376,307 30,105


- - - - - - - - - - - -

6 Tagihan Kepada Korporasi / Receivables to Corporation 18,109 200,919 - - - - - 127,089 - - 167,273 13,382


Total Eksposur Counterparty Credit Risk / Total Exposures - Counter Party Credit 97,429 1,604,462 - - - 191,195 - 127,089 - - 543,580 43,486




No. Kategori Portofolio / Portfolio Category 31 Desember 2013 / 31 December 2013 ATMR / RWA Beban Modal / Capital Charge



0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya / Others

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]



2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - 650,785 - - - 3,270,622 - 46,612 - - 1,812,080 144,966


- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank - 4,265,547 - - - 535,966 - - - - 1,128,370 90,270





- - - - - - 90,691 - - - 68,018 5,441


10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables - - - - - - - - 908 - 1,362 109




B Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Commitment/ Contingency Receivables Exposures




- - - - - - - - - - - -






- - - - - - - - - - - -






1 Tagihan Kepada Pemerintah / Receivables to Government 79,320 - - - - - - - - - - -



- - - - - - - - - - - -



- - - - - - - - - - - -

6 Tagihan Kepada Korporasi / Receivables to Corporation 18,109 200,919 - - - - - 127,089 - - 167,273 13,382


Total Eksposur Counterparty Credit Risk / Total Exposures - Counter Party Credit 97,429 1,604,462 - - - 191,195 - 127,089 - - 543,580 43,486




No. Kategori Portofolio / Portfolio Category 31 Desember 2012 / 31 December 2012 ATMR / RWA

Beban Modal / Capital Charge



0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya / Others

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]



2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - 775,391 - - - 640,833 - 745,110 - - 1,220,605 97,648


- - - - - - - - - - - -






- - - - - - 460,594 - - - 345,446 27,636


10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables - - - - - - - - 9,599 - 14,399 1,152




B Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Off Balance Commitment/ Contingency Receivables Exposures


2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - 275,000 - - - - - - - - 55,000 4,400


- - - - - - - - - - - -






- - - - - - - - - - - -






1 Tagihan Kepada Pemerintah / Receivable to Government 8,481 - - - - - - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivable to Public Sector Entities - - - - - - - - - - - -


- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank - 375,171 - - - 48,655 - - - - 194,753 15,580


- - - - - - - - - - - -

6 Tagihan Kepada Korporasi / Receivables to Corporation - 84,834 - - - - - 146,306 - - 155,954 12,476


Total Eksposur Counterparty Credit Risk / Total Exposures - Counter Party Credit 8,481 460,005 - - - 48,655 - 146,306 - - 350,707 28,057


No. Kategori Portofolio / Portfolio Category 31 Desember 2012 / 31 December 2012 ATMR / RWA




0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya / Others

[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]



2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - 775,391 - - - 640,833 - 745,110 - - 1,220,605 97,648


- - - - - - - - - - - -






- - - - - - 460,594 - - - 345,446 27,636


10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables - - - - - - - - 9,599 - 14,399 1,152




B Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif / Off Balance Commitment/ Contingency Receivables Exposures


2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - 275,000 - - - - - - - - 55,000 4,400


- - - - - - - - - - - -






- - - - - - - - - - - -






1 Tagihan Kepada Pemerintah / Receivable to Government 8,481 - - - - - - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivable to Public Sector Entities - - - - - - - - - - - -


- - - - - - - - - - - -

4 Tagihan Kepada Bank / Receivables to Bank - 375,171 - - - 48,655 - - - - 194,753 15,580


- - - - - - - - - - - -

6 Tagihan Kepada Korporasi / Receivables to Corporation - 84,834 - - - - - 146,306 - - 155,954 12,476


Total Eksposur Counterparty Credit Risk / Total Exposures - Counter Party Credit 8,481 460,005 - - - 48,655 - 146,306 - - 350,707 28,057





Tagihan Bersih dan Teknik Mitigasi Risiko Kredit Bank per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

No. Kategori Portofolio / Portfolio Category 31 Desember 2013 / 31 December 2013


Bagian Yang Dijamin Dengan / Portion Secured by Bagian Yang Tidak Dijamin / Unsecured Portion

Agunan / Collateral

Garansi / Guarantee

Asuransi Kredit / Credit Insurance

Lainnya / Others

[1] [2] [3] [4] [5] [6] [7] [8] = [3]-([4]+[5]+[6]+[7])


1 Tagihan Kepada Pemerintah / Receivables to Government 5,944,961 - - - - 5,944,961

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 3,968,019 - 2,106,148 - - 1,861,871


- - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 4,801,513 - - - - 4,801,513

5 Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property - - - - - -

6 Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate - - - - - -

7 Kredit Pegawai/Pensiunan / Employee/Retired Loans - - - - - -

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables to Micro, Small Business and Retail Portfolio 90,691 - - - - 90,691

9 Tagihan Kepada Korporasi / Receivables to Corporation 30,624,136 - 8,958,504 - - 21,665,632

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 908 - - - - 908

11 Aset Lainnya / Other Assets 71,869 - - - - 71,869

12 Eksposur di Unit Usaha Syariah (apabila ada) / Exposures at Sharia Business Unit (if any) - - - - - -

Total Eksposur Neraca / Total Exposure - Balance Sheet 45,502,097 - 11,064,652 - - 34,437,445

B Eksposur Rekening Administratif / Off Balance Sheet Exposures

1 Tagihan Kepada Pemerintah / Receivables to Government - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - - - - -


- - - - -

4 Tagihan Kepada Bank / Receivables to Bank - - - - -




8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables to Micro, Small Business and Retail Portfolio - - - - - -

9 Tagihan Kepada Korporasi / Receivables to Corporation 1,701,507 1,572 667,300 - - 1,032,635

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables - - - - - -


Total Eksposur Rekening Administratif / Total Exposures - Off Balance Sheet 1,701,507 1,572 667,300 - - 1,032,635

C Eksposur Counterparty Credit Risk / Counterparty Credit Risk Exposure

1 Tagihan Kepada Pemerintah / Receivables to Government 79,320 - - - - 79,320

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - - - - - -


- - - - - -

4 Tagihan Kepada Bank / Receivables to Bank - - - - - -

5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables to Micro, Small Business and Retail Portfolio 1,594,738 - - - - 1,594,738

6 Tagihan Kepada Korporasi / Receivables to Corporation 346,117 - 18,109 - - 328,008


Total Eksposur Counterparty Credit Risk / Total Exposure - Counterparty Credit Risk 2,020,175 - 18,109 - - 2,002,066

Total (A+B+C) 49,233,779 1,572 11,750,061 - - 37,472,146






Agunan / Collateral

Garansi / Guarantee


Lainnya / Others

[1] [2] [3] [4] [5] [6] [7] [8] = [3]-([4]+[5]+[6]+[7])



2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 3,968,019 - 2,106,148 - - 1,861,871


- - - - - -







10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 908 - - - - 908





1 Tagihan Kepada Pemerintah / Receivables to Government - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities - - - - -


- - - - -

4 Tagihan Kepada Bank / Receivables to Bank - - - - -





9 Tagihan Kepada Korporasi / Receivables to Corporation 1,701,507 1,572 667,300 - - 1,032,635








- - - - - -


5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables to Micro, Small Business and Retail Portfolio 1,594,738 - - - - 1,594,738

6 Tagihan Kepada Korporasi / Receivables to Corporation 346,117 - 18,109 - - 328,008


Total Eksposur Counterparty Credit Risk / Total Exposure - Counterparty Credit Risk 2,020,175 - 18,109 - - 2,002,066

Total (A+B+C) 49,233,779 1,572 11,750,061 - - 37,472,146


Net Receivable and Credit Risk Mitigation Technique of the Bank as of 31 December 2013 and 31 December 2012 are as follow:







Agunan / Collateral

Garansi / Guarantee


Lainnya / Others

[1] [2] [3] [4] [5] [6] [7] [8] = ([3]-[4]+[5]+[6]+[7])



2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 2,161,334 - 213,081 - - 1,948,253


- - - - - -







10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 9,599 - - - - 9,599





1 Tagihan Kepada Pemerintah / Receivable sto Government - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 275,000 - - - - 275,000


- - - - - -






9 Tagihan Kepada Korporasi / Receivables to Corporation 1,682,138 1,076 683,668 - - 997,394








- - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 423,826 - - - - 423,826


6 Tagihan Kepada Korporasi / Receivables to Corporation 231,140 - - - - 231,140


Total Eksposur Counterparty Credit Risk / Total Exposure - Counterparty Credit Risk 663,447 - - - - 663,447

Total (A+B+C) 34,501,293 1,076 5,297,998 - - 29,202,219






Agunan / Collateral

Garansi / Guarantee


Lainnya / Others


[1] [2] [3] [4] [5] [6] [7] [8] = ([3]-[4]+[5]+[6]+[7])



2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 2,161,334 - 213,081 - - 1,948,253


- - - - - -







10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 9,599 - - - - 9,599





1 Tagihan Kepada Pemerintah / Receivable sto Government - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivables to Public Sector Entities 275,000 - - - - 275,000


- - - - - -






9 Tagihan Kepada Korporasi / Receivables to Corporation 1,682,138 1,076 683,668 - - 997,394








- - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 423,826 - - - - 423,826


6 Tagihan Kepada Korporasi / Receivables to Corporation 231,140 - - - - 231,140


Total Eksposur Counterparty Credit Risk / Total Exposure - Counterparty Credit Risk 663,447 - - - - 663,447

Total (A+B+C) 34,501,293 1,076 5,297,998 - - 29,202,219





Penerapan Pengukuran Risiko Kredit dengan Pendekatan Standar

Untuk perhitungan kecukupan modal minimum, Bank menggunakan Pendekatan Standar untuk menghitung Aset Tertimbang Menurut Risiko (ATMR) Kredit dengan mengacu pada Surat Edaran Bank Indonesia No. 13/6/DPnP tanggal 18 Februari 2011.

Eksposur Aset di Neraca Bank per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

Implementation of Credit Risk Measurement Using the Standardized Approach

For minimum capital requirement calculation, the Bank uses the Credit risk measurement using Standardized Approach to calculate Credit Risk Weighted Assets (RWA) by referring to the Circular Letter of Bank Indonesia No. 13/6/DPnP dated February 18, 2011.

On Balance Sheet Asset Exposure of the Bank as of 31 December 2013 and 31 December 2012 are as follow:


No. Kategori Portfolio / Portfolio Category Tagihan Bersih / Net Receivables

ATMR Sebelum

MRK / RWA before CRM

ATMR Setelah

MRK / RWA after CRM


ATMR Sebelum


ATMR Setelah

MRK / RWA after CRM

[1] [2] [3] [4] [5] [6] [7] [8]

1 Tagihan Kepada Pemerintah / Receivable to Government 5,944,961 - - 5,018,921 - -

2 Tagihan Kepada Entitas Sektor Publik / Receivable to Public Sector Entities

3,968,019 2,560,904 1,812,080 2,161,334 1,327,145 1,220,605


- - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 4,801,513 1,128,370 1,128,370 3,442,763 735,354 735,354


- - - - -


- - - - - -



90,691 68,018 68,018 460,594 345,446 345,446

9 Tagihan Kepada Korporasi / Receivables to Corporation 30,624,136 28,503,725 24, 024,473 20,715,854 18,186,321 15,985,697

10 Tagihan yang Telah Jatuh Tempo / Past Due Receivables 908 1,362 1,362 9,599 14,399 14,399

11 Aset Lainnya / Other Assets 71,869 - 65,935 71,643 - 70,192

TOTAL 45,502,097 32,262,379 27,100,238 31,880,708 20,608,665 18,371,693



Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Bank per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

Off Balance Sheet Commitment/Contingency Exposure of the Bank as of 31 December 2013 and 31 December 2012 are as follow:





ATMR Sebelum


ATMR Setelah

MRK / RWA after CRM


ATMR Sebelum


ATMR Setelah

MRK / RWA after CRM

[1] [2] [3] [4] [5] [6] [7] [8]

1 Tagihan Kepada Pemerintah / Receivable to Government - - - - - -

2 Tagihan Kepada Entitas Sektor Publik / Receivable to Public Sector Entities

- - - 275,000 55,000 55,000


- - - - - -



- - - - - -


- - - - - -



- - - - - -

9 Tagihan Kepada Korporasi / Receivables to Corporation 1,701,507 1,581,354 1,246,286 1,682,138 1,562,138 1,169,254


TOTAL 1,701,507 1,581,354 1,246,286 1,957,138 1,617,138 1,224,254






TOTAL ATMR RISIKO KREDIT / TOTAL RWA FOR CREDIT RISK 28,890,104 19,851,264

TOTAL FAKTOR PENGURANG MODAL / TOTAL CAPITAL DEDUCTION FACTOR - -

Total Pengukuran Risiko Kredit Bank per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

Total Credit Risk Measurement of the Bank as of 31 December 2013 and 31 December 2012 are as follow:

Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) Bank per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

Counterparty Credit Risk Exposure of the Bank as of 31 December 2013 and 31 December 2012 are as follow:




ATMR Sebelum


ATMR Setelah

MRK / RWA after CRM


ATMR Sebelum


ATMR Setelah

MRK / RWA after CRM

[1] [2] [3] [4] [5] [6] [7] [8]


79,320 - - 8,481 - -


- - - - - -


- - - - - -

4 Tagihan Kepada Bank / Receivables to Bank 1,594,738 376,307 376,307 423,826 99,363 194,753


- - - - - -

6 Tagihan Kepada Korporasi / Receivables to Corporation 346,117 185,382 167,273 231,140 163,273 155,954

TOTAL 2,020,175 561,689 543,580 663,447 262,636 350,707



Penerapan Manajemen Risiko untuk Risiko Pasar

1. Organisasi Manajemen Risiko PasarDalam melakukan aktivitasnya, Bank memiliki eksposur pada risiko pasar terutama risiko suku bunga dan risiko nilai tukar. Treasury Department (TRD) bertanggungjawab melakukan pengelolaan harian atas risiko pasar yang dihadapi Bank dengan menggunakan instrumen-instrumen/produk-produk yang dimiliki. Pengelolaan ini bertujuan agar eksposur risiko pasar yang dihadapi Bank masih sesuai dengan limit yang telah ditetapkan. Sementara RMD bertanggung jawab untuk melakukan pemantauan atas limit eksposur risiko pasar Bank, limit stop loss, pengukuran profil risiko pasar Bank serta melakukan stress test.

Selain itu eksposur risiko pasar juga dibahas secara berkala pada rapat Asset and Liabilities Committee yang diadakan setidaknya 1 (satu) bulan sekali.

2. Pengelolaan Portofolio Trading Book dan Banking Book serta Metode ValuasiSecara internal, Bank memiliki kebijakan untuk tidak aktif dalam melakukan aktivitas trading. Kegiatan treasury Bank ditujukan untuk memenuhi kebutuhan nasabah dan mengelola posisi Bank (dalam rangka Asset and Liabilities Management). Oleh sebab itu, hampir seluruh aktiva Bank dibukukan sebagai Banking Book. Pengelolaan risiko suku bunga dalam Banking Book dilakukan dengan menggunakan pendekatan sensitivitas yang mengukur potensi perubahan nilai kini dari aktiva dan pasiva Bank sebagai akibat dari perubahan suku bunga sebesar 1 (satu) basis poin (Basis Point Value). Perhitungan sensitivitas ini dilakukan dengan didukung oleh sistem OBS yang diadopsi dari SMBC sebagai perusahaan induk.

The Implementation of Risk Management for Market Risk

1. Organization of Market Risk ManagementIn conducting its activities, the Bank has exposure to the market risk in particular with interest rate risk and exchange risk. Treasury Department (TRD) is responsible to conduct daily management of market risk encountered by the Bank by using existing instruments/ products. This is aimed to maintain market risk exposure of the Bank still within the pre - determined limit. While RMD is responsible to conduct monitoring on the limit of the Bank’s market risk exposure, stop loss limit, and assessment on the Bank’s market risk profile as well as conducting the stress test.

Besides, the market risk exposure is also periodically discussed in the Asset and Liabilities Committee meeting that is held at least once a month.

2. Management of Trading Book and Banking Book Portfolio as well as Valuation Method

Internally, the Bank has its own policy not to be actively involved in conducting trading activities. The Bank’s treasury activities are conducted with the aim to fulfill the customer’s needs and manage the Bank’s position (in term of Asset and Liability Management). Thus, almost all of the Bank’s assets is recorded as Banking Book. The management of interest risk in the Banking Book is conducted with sensitivity approach to assess the potential changes of present value of the Bank’s assets and liabilities as a result of the change in interest rate of 1 (one) basis point value (BPV). This sensitivity measurement is conducted with the support of OBS System which is adopted from the SMBC as the parent




Selain itu Bank juga telah menetapkan beberapa limit terkait risiko pasar seperti limit untuk maksimum BPV, limit posisi Foreign Exchange (FX), serta stop loss limit.Metode valuasi untuk transaksi FX dan derivatif mengacu kepada pedoman akuntansi yang berlaku. Valuasi dilakukan dengan menggunakan harga pasar yang berlaku dari setiap jenis instrumennya. Posisi nilai tukar Bank divaluasi dengan membandingkan antara nilai tukar yang digunakan pada saat transaksi dengan nilai tukar yang berlaku pada saat valuasi dilakukan. Sementara valuasi untuk risiko suku bunga dilakukan dengan menghitung perubahan nilai kini dari arus kas yang terjadi dari suatu transaksi dengan menggunakan tingkat diskonto yang berlaku saat valuasi dilakukan.

3. Mekanisme Pengukuran Risiko PasarPengukuran risiko pasar dilakukan dengan menggunakan beberapa parameter yang telah ditetapkan. Parameter tersebut meliputi volume dan komposisi portofolio, potensi kerugian terkait risiko suku bunga pada Banking Book, dan strategi dan kebijakan bisnis Bank baik strategi terkait Trading maupun Banking Book. Proses pengukuran dilakukan secara berkala dan diwujudkan dalam bentuk laporan profil risiko pasar Bank. Profil risiko pasar tersebut kemudian dibandingkan dengan risk appetite Bank atas risiko pasar yang telah ditetapkan sebelumnya.

Risiko Pasar Bank dengan Menggunakan Metode Standar per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

company. Besides, the Bank has also set several limit related to the market risk such as BPV maximum limit, Foreign Exchange open position limit, and stop loss limit. The valuation method of the foreign exchange and derivative transaction are referring to the prevailing accounting regulation. This valuation is conducted with the current market price for each instrument. The Bank’s foreign exchange open position is valuated by comparing the exchange rate used during the transaction with the exchange rate used at the time of the valuation. Meanwhile, the valuation to the interest rate risk is conducted by measuring the change in present value of the cash flow of its transaction by using the prevailing discount level when valuation conducted.

3. Mechanism of Market Risk AssessmentMarket Risk Assessment is conducted by using several stipulated parameters. These parameters include the portfolio’s volume and composition, potential loss related to interest rate risk in the Banking Book, as well as the Bank’s business strategy and policy related to the trading and banking book. The assessment is conducted regularly and reported in the Bank’s market risk profile report. Market risk profile is then compared with the stipulated Bank’s risk appetite for market risk.

Market Risk of the Bank using Standardized Method as of 31 December 2013 and 31 December 2012 are as follow:




No. Jenis Risiko / Type of Risk 31 Desember 2013 / 31 December 2013



ATMR / RWA Beban Modal / Capital Charge

ATMR / RWA

[1] [2] [3] [4] [5] [6]

1 Risiko Suku Bunga / Interest Rate Risk

14,946 186,827 5,940 74,256

a.Risiko Spesifik / Specific Risk - - - -

b.Risiko Umum / General Risk 14,946 186,827 5,940 74,256

2 Risiko Nilai Tukar / Foreign Exchange Risk

1,445 18,060 625 7,812

3 Risiko Ekuitas / Equity Risk

4 Risiko Komoditas / Commodity Risk

5 Risiko Option / Option Risk - - - -

Total 16,391 204,887 6,565 82,068

Penerapan Manajemen Risiko untuk Risiko Operasional

1. Organisasi Manajemen Risiko OperasionalRisiko operasional yang dihadapi Bank dapat disebabkan oleh beberapa faktor yaitu ketidakcukupan dan/atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem, dan/atau kejadian eksternal. Oleh sebab itu, dalam melakukan pengelolaan risiko operasional, RMD melakukan koordinasi dengan beberapa departemen terkait. Terkait dengan kecukupan proses internal serta kebijakan dan prosedur, koordinasi dilakukan oleh Business Administration Planning Department (BAPD), terkait sumber daya manusia dilakukan oleh Human Resources Department (HRD) serta terkait sistem dengan Information Technology Department (ITD).

The Implementation of Risk Management for Operational Risk

1. Organization of Operational Risk ManagementThe operational risk of the Bank can be caused by several factors such as inadequacy and/ or disfunction of internal process, human error, system failure, and/ or external factors. Thus, in conducting the operational risk management, RMD coordinated with several related departments. In relation to the adequacy of internal process as well as policy and procedure, coordination conducted with Business Administration Planning Department (BAPD); in relation to human resources it is done with Human Resources Departement (HRD), and related to system is done with Information Technology Department (ITD).




2. Mekanisme Identifikasi dan Pengukuran Risiko Operasional

Risiko operasional diidentifikasi dan diukur dengan menggunakan beberapa parameter yang meliputi karakteristik dan kompleksitas bisnis, sumber daya manusia, teknologi informasi dan infrastruktur pendukung, fraud, serta kejadian eksternal. Proses pengukuran dilakukan secara berkala dan diwujudkan dalam bentuk laporan profil risiko operasional Bank. Profil risiko operasional tersebut kemudian dibandingkan dengan risk appetite Bank atas risiko operasional yang telah ditetapkan sebelumnya.

3. Mekanisme Mitigasi Risiko OperasionalBank menganggap risiko operasional sebagai salah satu risiko penting yang harus dikelola dengan baik. Untuk itu Bank telah melakukan beberapa tindakan mitigasi yang diperlukan untuk meminimalisir kemungkinan terjadinya risiko operasional tersebut. Proses segregation of duties dan prinsip four-eyes control telah diterapkan secara konsisten oleh Bank. Penggunaan sistem dan teknologi informasi terus dioptimalkan dengan tetap mempertahankan keamanan dan integritas sistem. Secara berkala, Bank melakukan uji coba terkait Business Continuity Plan (BCP) yang melibatkan beberapa fungsi kerja utama untuk memastikan Bank masih dapat menjalankan aktivitas operasionalnya apabila terjadi gangguan terhadap operasional normal Bank. Bank juga melakukan kaji ulang secara berkala atas kebijakan dan prosedur Bank untuk memastikan kesesuaiannya dengan peraturan yang berlaku.

2. Mechanism of Identification and Assessment of Operational Risk

Operational risk is identified and measured by using several parameters that include characteristic and complexity of the business, human resources, information technology, and supporting infrastructure, fraud, as well as external condition. This assessment process is conducted periodically and applied in the form of the Bank’s operational risk profile report. This operational risk profile is then compared with the Bank’s risk appetite that has been established previously.

3. Mechanism of Operational Risk MitigationThe Bank considers operational risk as one of significant risk that should be maintained well. Thus, the Bank has conducted several necessary mitigation actions in order to minimize the probability of the operational risk. The segregration of duties process and four-eyes control principle have been implemented consistently by the Bank. The use of system and information technology has been continously optimized while maintaining the system security and integrity. Periodically the Bank has conducted test on the Business Continuity Plan (BCP) which involves several core unit functions to ensure that the Bank is able to run its operational activities should there be any disturbance to the Bank’s normal operation. The Bank has also conducted periodic review to the Bank’s policy and procedure as to ensure its appropriateness to prevailing regulation.



No. Pendekatan Yang Digunakan / Indicator Approach


Pendapatan Bruto (Rata-rata 3 Tahun terakhir) / Average

Gross Income in the past 3 years


ATMR / RWA

Pendapatan Bruto (Rata-rata 3 Tahun terakhir) / Average

Gross Income in the past 3 years


ATMR / RWA

[1] [2] [3] [4] [5] [6] [7] [8]

1 Pendekatan Indikator Dasar / Basic Indicator Approach

962,871 144,431 1,805,383 591,790 88,768 1,109,606

Total 962,871 144,431 1,805,383 591,790 88,768 1,109,606


Bank juga terus berupaya untuk memastikan kecukupan sumber daya manusia yang dimiliki untuk mendukung aktivitas operasional Bank, baik dari sisi jumlah maupun kompetensinya. Bank juga telah menggunakan perlindungan asuransi untuk menghindari kerugian yang mungkin dialami.

Risiko Operasional Bank per 31 Desember 2013 dan 31 Desember 2012 adalah sebagai berikut:

The Bank also ensures the adequacy human resources to support the Bank’s operational activities, in terms of the number as well as competencies. The Bank has also used insurance coverage to prevent potential damage costs.

Operational Risk of the Bank as of 31 December 2013 and 31 December 2012 are as follow:




Penerapan Manajemen Risiko untuk Risiko Likuiditas

1. Organisasi Manajemen Risiko LikuiditasPemantauan dan pengendalian risiko likuiditas dilakukan secara harian. TRD bertanggung jawab dalam melakukan pengelolaan arus kas Bank setiap hari untuk memastikan bahwa Bank memiliki dana yang cukup untuk memenuhi kewajiban-kewajiban yang jatuh tempo. Untuk memastikan hal tersebut, TRD memperoleh informasi kebutuhan dana dari Marketing Department (MKD). RMD bertanggung jawab dalam melakukan pemantauan dan pengukuran atas risiko likuiditas Bank. Pemantauan dilakukan untuk memastikan kepatuhan atas limit-limit terkait risiko likuiditas yang telah ditetapkan sebelumnya. Eksposur risiko likuiditas Bank juga dibahas secara berkala pada rapat Asset and Liabilities Committee yang diadakan setiap bulan.

2. Indikator Peringatan Dini Permasalahan LikuiditasDalam melakukan pengelolaan risiko likuiditas, Bank telah menetapkan beberapa limit yang harus dipantau secara harian. Pemantauan ini dilakukan agar Bank dapat memperoleh informasi mengenai kondisi likuiditas yang terkini sehingga pengelolaan risiko likuiditas dapat dilakukan dengan lebih efektif. Limit-limit tersebut termasuk limit gap arus kas untuk periode 1 (satu) hari, 2 (dua) hari, 1 (satu) minggu dan 1 (satu) bulan. Selain itu Bank juga telah menetapkan jumlah minimum alat likuid yang harus dijaga untuk

The Implementation of Risk Management for Liquidity Risk

1. Organization of Liquidity Risk ManagementMonitoring and controlling of liquidity risk is conducted on daily basis. TRD is responsible to conduct the management of the Bank’s daily cash flow in order to ensure that the Bank has adequate fund to fulfill its matured liabilities. To ensure this, TRD received information regarding fund needs from Marketing Department (MKD). RMD is responsible to conduct monitoring and assessment towards the Bank’s liquidity risk. Monitoring is conducted to ensure the compliance on the stipulated liquidity risk related limits. The Bank’s liquidity risk exposure is also discussed periodically in the Asset and Liabilities Committee meeting conducted monthly.

2. Early Warning Indicator to Liquidity IssuesIn managing the liquidity risk, the Bank has applied several limits to be monitored in daily basis. This monitoring is conducted in order to gain information on current liquidity condition so that management of liquidity risk can be effectively conducted. These limits include the cash flow gap limit for the period of 1 (one) day, 2 (two) days, 1 (one) week, and 1 (one) month. Besides, the bank has decided the minimum number of liquid instruments that should be maintained in order to fulfill the Bank’s liquidity need in particular for Rupiah currency. Also, the Bank has



memenuhi kebutuhan likuiditas Bank khususnya untuk mata uang Rupiah. Selain itu, secara berkala Bank juga melakukan stress test untuk menganalisa kemampuan likuiditas Bank dalam kondisi krisis.

3. Mekanisme Pengukuran dan Pengendalian Risiko LikuiditasPengukuran risiko likuiditas dilakukan dengan menggunakan beberapa parameter yang telah ditetapkan. Parameter tersebut meliputi komposisi aset, kewajiban dan transaksi rekening administratif; konsentrasi aset dan kewajiban; kerentanan pada kebutuhan pendanaan; serta akses pada sumber-sumber pendanaan. Proses pengukuran dilakukan secara berkala dan disajikan dalam bentuk laporan profil risiko likuiditas Bank. Profil risiko likuiditas tersebut kemudian dibandingkan dengan risk appetite Bank atas risiko likuiditas yang telah ditetapkan sebelumnya.

Profil Maturitas Rupiah Bank per 31 Desember 2013 dan 31 Desember 2012 (sebelum audit) adalah sebagai berikut:

periodically conducted stress test in order to analyze the Bank’s liquidity capability in crisis condition.

3. Mechanism of Liquidity Risk Assessment and Control

Liquidity risk assessment is conducted by using several stipulated parameters. These parameters include composition of assets, liabilities, and off balance sheet transactions; assets and liabilities concentrations; vulnerability to fund needs; and access to funding resources. The assessment process is conducted periodically and presented in the Bank’s liquidity risk profile report. This liquidity risk profile is then compared with the stipulated Bank’srisk appetite for liquidity risk.

Rupiah Maturity Profile of the Bank as of 31 December 2013 and 31 December 2012 (un-audited) are as follow:




No. Pos-pos / Accounts Saldo / Balance

Jatuh Tempo / Maturity Saldo / Balance

Jatuh Tempo / Maturity

≤ 1 bulan / ≤ 1 month

> 1 - 3 bulan/ >1 - 3months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 - 12

months

> 12 bulan / > 12 months


> 1 - 3 bulan / >1 - 3 months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 - 12

months


[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]

I NERACA / BALANCE SHEET

A. Aset / Asset

1. Kas / Cash 10,255 10,255 - - - - 8,594 8,594 - - - -

2. Penempatan pada Bank Indonesia / Placement to Bank Indonesia 3,771,087 2,892,840 198,835 294,138 385,274 - 3,645,629 3,256,228 - - 389,401 -

3. Penempatan pada bank lain / Placement to Other Banks 730,333 730,333 - - - - 121,314 121,314 - - - -

4. Surat Berharga / Marketable Securities - - - - - - 1,984 - 1,984 - - -

5. Kredit yang diberikan / Loans 12,830,076 6,949,533 3,298,613 790,382 376,496 1,415,052 10,591,299 5,666,337 1,193,016 738,101 1,678,398 1,315,447

6. Tagihan Lainnya / Other Receivables 1,328,768 42,351 257,378 189,596 93,168 746,275 251,045 13,650 23,361 26,874 24,207 162,953

7. Lain-lain / Others 173,157 52,977 43,282 28,179 18,014 30,705 122,292 34,485 21,230 15,407 7,577 43,593

Total Aset / Total Assets 18,843,676 10,678,289 3,798,108 1,302,295 872,952 2,192,032 14,742,157 9,100,608 1,239,591 780,382 2,099,583 1,521,993

B. Kewajiban / Liabilities

1. Dana Pihak Ketiga / Third Party Fund 10,147,588 9,410,269 221,337 94,267 36,153 385,562 6,178,158 4,470,981 374,631 256,823 44,018 1,031,705

2. Kewajiban pada Bank Indonesia / Liabilities to Bank Indonesia - - - - - - - - - - - -

3. Kewajiban pada bank lain / Liabilities to Other Banks 3,606 3,606 - - - - 2,029,070 1,869,132 159,938 - - -

4. Surat Berharga yang Diterbitkan / Marketable Securities Issued - - - - - - - - - - - -

5. Pinjaman yang Diterima / Borrowings 992,138 496,413 495,725 - - - - - - - - -

6. Kewajiban lainnya / Other Liabilities 1,352,499 153,208 217,633 194,721 86,934 700,003 300,697 67,761 36,286 27,001 17,390 152,259

7. Lain-lain / Others 128,130 17,665 41,869 347 361 67,888 85,607 22,519 15,134 1,442 350 46,162

Total Kewajiban / Total Liabilities 12,623,961 10,081,161 976,564 289,335 123,448 1,153,453 8,593,532 6,430,393 585,989 285,266 61,758 1,230,126

Selisih Aset dengan Kewajiban dalam Neraca / On Balance Sheet Asset and Liabilities Differences

6,219,715 597,128 2,821,544 1,012,960 749,504 1,038,579 6,148,625 2,670,215 653,602 495,116 2,037,825 291,867

II REKENING ADMINISTRATIF / OFF BALANCE SHEET

A. Tagihan Rekening Administratif / Off Balance Sheet Receivables

1. Komitmen / Commitment 8,339,501 1,141,327 1,421,502 989,522 929,947 3,857,203 500,000 - - - 500,000 -

2. Kontinjensi / Contingency 5,372,510 1,445,300 920,917 803,593 589,395 1,613,305 5,585,523 2,271,400 1,250,582 556,061 890,000 617,480

Total Tagihan Rekening Administratif / Total Off Balance Sheet Receivables 13,712,011 2,586,627 2,342,419 1,793,115 1,519,342 5,470,508 6,085,523 2,271,400 1,250,582 556,061 1,390,000 617,480

B. Kewajiban Rekening Administratif / Off Balance Sheet Liabilities

1. Komitmen / Commitment 9,195,157 1,377,274 2,143,025 883,477 631,978 4,159,403 864,088 301,530 3,485 9,073 - 550,000

2. Kontinjensi / Contingency 414,694 59,380 23,020 150,400 178,762 3,132 468,214 35,216 25,514 35,227 257,231 115,026

Total Kewajiban Rekening Administratif / Total Off Balance Sheet Liabilities 9,609,851 1,436,654 2,166,045 1,033,877 810,740 4,162,535 1,332,302 336,746 28,999 44,300 257,231 665,026

Selisih Tagihan dan Kewajiban dalam Rekening Administratif / Off Balance Sheet Asset and Liabilities Differences

4,102,160 1,149,973 176,374 759,238 708,602 1,307,973 4,753,221 1,934,654 1,221,583 511,761 1,132,769 (47,546)

Selisih / Differences [(IA-IB)+(IIA-IIB)] 10,321,875 1,747,101 2,997,918 1,772,198 1,458,106 2,346,552 10,901,846 4,604,869 1,875,185 1,006,877 3,170,594 244,321

Selisih Kumulatif / Cummulative Differences 10,321,875 1,747,101 4,745,019 6,517,217 7,975,323 10,321,875 10,901,846 4,604,869 6,480,054 7,486,931 10,657,525 10,901,846



No. Pos-pos / Accounts Saldo / Balance

Jatuh Tempo / Maturity Saldo / Balance

Jatuh Tempo / Maturity


> 1 - 3 bulan/ >1 - 3months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 - 12

months



> 1 - 3 bulan / >1 - 3 months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 - 12

months


[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]


A. Aset / Asset

1. Kas / Cash 10,255 10,255 - - - - 8,594 8,594 - - - -

2. Penempatan pada Bank Indonesia / Placement to Bank Indonesia 3,771,087 2,892,840 198,835 294,138 385,274 - 3,645,629 3,256,228 - - 389,401 -

3. Penempatan pada bank lain / Placement to Other Banks 730,333 730,333 - - - - 121,314 121,314 - - - -

4. Surat Berharga / Marketable Securities - - - - - - 1,984 - 1,984 - - -

5. Kredit yang diberikan / Loans 12,830,076 6,949,533 3,298,613 790,382 376,496 1,415,052 10,591,299 5,666,337 1,193,016 738,101 1,678,398 1,315,447

6. Tagihan Lainnya / Other Receivables 1,328,768 42,351 257,378 189,596 93,168 746,275 251,045 13,650 23,361 26,874 24,207 162,953

7. Lain-lain / Others 173,157 52,977 43,282 28,179 18,014 30,705 122,292 34,485 21,230 15,407 7,577 43,593

Total Aset / Total Assets 18,843,676 10,678,289 3,798,108 1,302,295 872,952 2,192,032 14,742,157 9,100,608 1,239,591 780,382 2,099,583 1,521,993




3. Kewajiban pada bank lain / Liabilities to Other Banks 3,606 3,606 - - - - 2,029,070 1,869,132 159,938 - - -

4. Surat Berharga yang Diterbitkan / Marketable Securities Issued - - - - - - - - - - - -

5. Pinjaman yang Diterima / Borrowings 992,138 496,413 495,725 - - - - - - - - -

6. Kewajiban lainnya / Other Liabilities 1,352,499 153,208 217,633 194,721 86,934 700,003 300,697 67,761 36,286 27,001 17,390 152,259

7. Lain-lain / Others 128,130 17,665 41,869 347 361 67,888 85,607 22,519 15,134 1,442 350 46,162

Total Kewajiban / Total Liabilities 12,623,961 10,081,161 976,564 289,335 123,448 1,153,453 8,593,532 6,430,393 585,989 285,266 61,758 1,230,126


6,219,715 597,128 2,821,544 1,012,960 749,504 1,038,579 6,148,625 2,670,215 653,602 495,116 2,037,825 291,867



1. Komitmen / Commitment 8,339,501 1,141,327 1,421,502 989,522 929,947 3,857,203 500,000 - - - 500,000 -

2. Kontinjensi / Contingency 5,372,510 1,445,300 920,917 803,593 589,395 1,613,305 5,585,523 2,271,400 1,250,582 556,061 890,000 617,480

Total Tagihan Rekening Administratif / Total Off Balance Sheet Receivables 13,712,011 2,586,627 2,342,419 1,793,115 1,519,342 5,470,508 6,085,523 2,271,400 1,250,582 556,061 1,390,000 617,480


1. Komitmen / Commitment 9,195,157 1,377,274 2,143,025 883,477 631,978 4,159,403 864,088 301,530 3,485 9,073 - 550,000

2. Kontinjensi / Contingency 414,694 59,380 23,020 150,400 178,762 3,132 468,214 35,216 25,514 35,227 257,231 115,026

Total Kewajiban Rekening Administratif / Total Off Balance Sheet Liabilities 9,609,851 1,436,654 2,166,045 1,033,877 810,740 4,162,535 1,332,302 336,746 28,999 44,300 257,231 665,026


4,102,160 1,149,973 176,374 759,238 708,602 1,307,973 4,753,221 1,934,654 1,221,583 511,761 1,132,769 (47,546)

Selisih / Differences [(IA-IB)+(IIA-IIB)] 10,321,875 1,747,101 2,997,918 1,772,198 1,458,106 2,346,552 10,901,846 4,604,869 1,875,185 1,006,877 3,170,594 244,321







Profil Maturitas Valuta Asing Bank per 31 Desember 2013 dan 31 Desember 2012 (sebelum audit) adalah sebagai berikut:

Foreign Currency Maturity Profile of the Bank as of 31 December 2013 and 31 December 2012 (un-audited) are as follow:


No. Pos-pos / Accounts Saldo / Balance Jatuh Tempo / Maturity Saldo / Balance Jatuh Tempo / Maturity


> 1 - 3 bulan / >1 - 3 months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 -

12 months



> 1 - 3 bulan / >1 - 3 months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 -

12 months


[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]


A. Aset / Asset

1. Kas / Cash 6,986 6,986 - - - - 4,347 4,347 - - - -

2. Penempatan pada Bank Indonesia / Placement to Bank Indonesia 2,174,268 2,174,268 - - - - 1,373,296 1,373,296 - - - -

3. Penempatan pada bank lain / Placement to Other Banks 3,471,419 3,471,419 - - - - 1,869,550 1,869,550 - - - -

4. Surat Berharga / Marketable Securities 599,458 112,840 298,822 155,642 31,910 243 1,449,808 345,687 246,874 406,606 450,640 -

5. Kredit yang diberikan / Loans 21,517,850 6,584,493 3,422,423 960,724 2,278,918 8,271,292 12,558,115 4,221,986 2,553,783 677,979 359,594 4,744,773

6. Tagihan Lainnya / Other Receivables 186,651 159,111 18,547 755 - 8,239 127,514 109,684 12,760 - - 5,069

7. Lain-lain / Others 46,283 15,529 17,001 8,190 438 5,124 26,214 7,671 10,910 2,255 1,532 3,845

Total Aset / Total Asset 28,002,914 12,524,646 3,756,794 1,125,311 2,311,266 8,284,898 17,408,843 7,932,221 2,824,327 1,086,840 811,767 4,753,687




3. Kewajiban pada bank lain / Liabilities to Other Banks - - - - - - 240,938 240,938 - - - -

4. Surat Berharga yang Diterbitkan / Securities issued - - - - - - - - - - - -

5. Pinjaman yang Diterima / Borrowings 19,613,111 - 608,500 - 5,481,843 13,522,769 11,431,723 - - - - 11,431,723

6. Kewajiban lainnya / Other Liabilities 184,181 158,539 18,170 426 - 7,046 127,186 107,516 12,779 - 944 5,927

7. Lain-lain / Others 130,426 11,781 10,868 1,205 3,773 102,800 49,787 19,044 6,900 4,568 8,944 10.331

Total Kewajiban / Total Liabilities 28,312,726 7,184,852 1,035,338 152,490 5,558,039 14,382,007 18,257,280 4,115,877 501,690 131,860 125,846 13,382,006


(309,812) 5,339,794 2,721,455 972,821 (3,246,773) (6,097,109) (848,437) 3,816,344 2,322,638 954,980 685,920 (8,628,319)



1. Komitmen / Commitment 15,010,928 1,207,666 2,438,284 931,979 478,890 9,954,111 7,343,390 2,020,328 942,875 598,807 373,386 3,407,993

2. Kontinjensi / Contingency 14,806,740 1,885,559 1,502,593 2,185,367 1,044,283 8,188,937 8,393,029 830,126 1,308,136 658,733 632,509 4,963,525

Total Tagihan Rekening Administratif / Total Off Balance Sheet Receivables 29,817,668 3,093,225 3,940,877 3,117,346 1,523,173 18,143,048 15,736,418 2,850,454 2,251,012 1,257,540 1,005,895 8,371,518


1. Komitmen / Commitment 11,885,344 1,383,692 1,732,387 1,053,362 534,896 7,181,006 7,963,611 1,475,742 692,512 787,557 677,651 4,330,148

2. Kontinjensi / Contingency 1,676,332 222,224 37,277 127,164 1,079,966 209,701 1,408,077 289,135 120,527 134,511 734,696 129,210

Total Kewajiban Rekening Administratif / Total Off Balance Sheet Liabilities 13,561,676 1,605,917 1,769,664 1,180,527 1,614,862 7,390,707 9,371,688 1,764,877 813,039 922,068 1,412,347 4,459,358


16,255,992 1,487,308 2,171,213 1,936,819 (91,689) 10,752,341 6,364,730 1,085,578 1,437,973 335,472 (406,452) 3,912,160

Selisih / Differences [(IA-IB)+(IIA-IIB)] 15,946,181 6,827,102 4,892,669 2,909,640 (3,338,462) 4,655,232 5,516,293 4,901,922 3,760,610 1,290,452 279,468 (4,716,159)





No. Pos-pos / Accounts Saldo / Balance Jatuh Tempo / Maturity Saldo / Balance Jatuh Tempo / Maturity


> 1 - 3 bulan / >1 - 3 months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 -

12 months



> 1 - 3 bulan / >1 - 3 months

> 3 - 6 bulan / > 3 - 6 months

> 6 - 12 bulan / > 6 -

12 months


[1] [2] [3] [4] [5] [6] [7] [8] [9] [10] [11] [12] [13] [14]


A. Aset / Asset

1. Kas / Cash 6,986 6,986 - - - - 4,347 4,347 - - - -

2. Penempatan pada Bank Indonesia / Placement to Bank Indonesia 2,174,268 2,174,268 - - - - 1,373,296 1,373,296 - - - -

3. Penempatan pada bank lain / Placement to Other Banks 3,471,419 3,471,419 - - - - 1,869,550 1,869,550 - - - -

4. Surat Berharga / Marketable Securities 599,458 112,840 298,822 155,642 31,910 243 1,449,808 345,687 246,874 406,606 450,640 -

5. Kredit yang diberikan / Loans 21,517,850 6,584,493 3,422,423 960,724 2,278,918 8,271,292 12,558,115 4,221,986 2,553,783 677,979 359,594 4,744,773

6. Tagihan Lainnya / Other Receivables 186,651 159,111 18,547 755 - 8,239 127,514 109,684 12,760 - - 5,069

7. Lain-lain / Others 46,283 15,529 17,001 8,190 438 5,124 26,214 7,671 10,910 2,255 1,532 3,845

Total Aset / Total Asset 28,002,914 12,524,646 3,756,794 1,125,311 2,311,266 8,284,898 17,408,843 7,932,221 2,824,327 1,086,840 811,767 4,753,687




3. Kewajiban pada bank lain / Liabilities to Other Banks - - - - - - 240,938 240,938 - - - -

4. Surat Berharga yang Diterbitkan / Securities issued - - - - - - - - - - - -

5. Pinjaman yang Diterima / Borrowings 19,613,111 - 608,500 - 5,481,843 13,522,769 11,431,723 - - - - 11,431,723

6. Kewajiban lainnya / Other Liabilities 184,181 158,539 18,170 426 - 7,046 127,186 107,516 12,779 - 944 5,927

7. Lain-lain / Others 130,426 11,781 10,868 1,205 3,773 102,800 49,787 19,044 6,900 4,568 8,944 10.331

Total Kewajiban / Total Liabilities 28,312,726 7,184,852 1,035,338 152,490 5,558,039 14,382,007 18,257,280 4,115,877 501,690 131,860 125,846 13,382,006


(309,812) 5,339,794 2,721,455 972,821 (3,246,773) (6,097,109) (848,437) 3,816,344 2,322,638 954,980 685,920 (8,628,319)



1. Komitmen / Commitment 15,010,928 1,207,666 2,438,284 931,979 478,890 9,954,111 7,343,390 2,020,328 942,875 598,807 373,386 3,407,993

2. Kontinjensi / Contingency 14,806,740 1,885,559 1,502,593 2,185,367 1,044,283 8,188,937 8,393,029 830,126 1,308,136 658,733 632,509 4,963,525

Total Tagihan Rekening Administratif / Total Off Balance Sheet Receivables 29,817,668 3,093,225 3,940,877 3,117,346 1,523,173 18,143,048 15,736,418 2,850,454 2,251,012 1,257,540 1,005,895 8,371,518


1. Komitmen / Commitment 11,885,344 1,383,692 1,732,387 1,053,362 534,896 7,181,006 7,963,611 1,475,742 692,512 787,557 677,651 4,330,148

2. Kontinjensi / Contingency 1,676,332 222,224 37,277 127,164 1,079,966 209,701 1,408,077 289,135 120,527 134,511 734,696 129,210

Total Kewajiban Rekening Administratif / Total Off Balance Sheet Liabilities 13,561,676 1,605,917 1,769,664 1,180,527 1,614,862 7,390,707 9,371,688 1,764,877 813,039 922,068 1,412,347 4,459,358


16,255,992 1,487,308 2,171,213 1,936,819 (91,689) 10,752,341 6,364,730 1,085,578 1,437,973 335,472 (406,452) 3,912,160

Selisih / Differences [(IA-IB)+(IIA-IIB)] 15,946,181 6,827,102 4,892,669 2,909,640 (3,338,462) 4,655,232 5,516,293 4,901,922 3,760,610 1,290,452 279,468 (4,716,159)



Penerapan Manajemen Risiko untuk Risiko Hukum

1. Organisasi Manajemen Risiko HukumPengelolaan risiko hukum dilakukan terutama untuk menghindarkan Bank dari kemungkinan terjadinya kerugian yang mungkin terjadi akibat litigasi, kelemahan perikatan dan hal-hal lain terkait proses hukum. Bank telah memiliki departemen khusus, Legal Department (LED), yang bertanggung jawab untuk melakukan kaji ulang atas semua perjanjian dan perikatan yang dilakukan oleh Bank untuk memastikan bahwa seluruh syarat sahnya perjanjian telah terpenuhi serta tidak terdapat kelemahan dalam klausula perjanjian yang telah disepakati. LED juga memastikan bahwa para pihak telah memiliki pemahaman yang jelas mengenai perjanjian tersebut serta risiko-risiko yang mungkin timbul dalam pelaksanaan hal-hal yang diatur dalam perjanjian. Selain itu, LED juga memastikan bahwa seluruh perjanjian di mana Bank menjadi salah satu pihaknya dapat dilaksanakan secara keseluruhan maupun sebagian dan dokumen-dokumen yang dapat mendukung pelaksanaan perjanjian tersebut telah tersedia. LED juga selalu melakukan kaji ulang dan pengkinian atas seluruh perjanjian standar yang digunakan oleh Bank secara berkala. Sementara, RMD bertanggung jawab untuk melakukan penilaian atas pengelolaan risiko hukum yang dilakukan oleh Bank.

2. Mekanisme Pengendalian Risiko HukumPengukuran risiko hukum dilakukan dengan menggunakan beberapa parameter yang telah ditetapkan. Parameter tersebut meliputi faktor litigasi untuk mengukur besarnya nilai gugatan dan jumlah potensi kerugian yang dihadapi Bank sebagai akibat dari adanya proses litigasi yang berlangsung; faktor kelemahan perikatan; serta faktor ketiadaan peraturan perundang-undangan yang mengatur produk yang ditawarkan oleh Bank. Proses pengukuran dilakukan secara berkala dan diwujudkan dalam bentuk laporan profil risiko hukum Bank. Profil risiko hukum tersebut kemudian dibandingkan dengan risk appetite Bank atas risiko hukum yang telah ditetapkan sebelumnya.

The Implementation of Risk Management for Legal Risk

1. Organization of Legal Risk ManagementManagement of legal risk is conducted in particular to prevent the Bank from the possibility of any loss due to litigation, contract flaws, and others related to legal process. The Bank has a special department, Legal Department (LED) which is responsible to review all agreements and contracts conducted by the Bank as to ensure that all legal requirements have been fulfilled and no weakness in the agreed clause of an agreement. LED also ensures that all parties have clear understanding to the agreement including on the possibility of risks that might appear during the implementation of the matters stipulated in the agreement. Besides, LED also ensures all agreements, in which the Bank is one of the parties, can be executed wholly or partly and supporting documents are available. LED reviews and updates all standard agreements used by the Bank regularly. Meanwhile, RMD is responsible to conduct assessment towards the Bank’s legal risk management.

2. Mechanism of Legal Risk ControlAssesment of Legal risk is conducted by using several stipulated parameters. These parameters include litigation factor to measure the amount of claim value and potential loss amount charge to the Bank as a cost of ongoing litigation process; flaw of contract; and the absence of the regulation that controls the products offered by the Bank. The assessment process is conducted periodically and presented in the Bank’s legal risk profile report. This legal risk profile is then compared with the stipulated Bank’s risk appetite for legal risk.



Penerapan Manajemen Risiko untuk Risiko Stratejik

1. Organisasi Manajemen Risiko StratejikRisiko stratejik sangat berkaitan dengan rencana serta strategi bisnis yang diambil Bank dalam mencapai tujuannya. Rencana dan strategi tersebut telah dituangkan dalam Rencana Bisnis Bank yang disusun untuk periode 3 (tiga) tahunan. Realisasi atas rencana dan strategi tersebut selalu dipantau secara berkala. Bank akan menganalisa pencapaian realisasi atas rencana dan strategi bisnis tersebut serta mencari penyebab tidak tercapainya suatu target apabila ada. Kegiatan pemantauan atas realisasi rencana bisnis Bank menjadi tanggung jawab Planning Department (PLD) dan dilaporkan secara berkala kepada Manajemen. Sementara itu, RMD bertanggung jawab untuk melakukan penilaian atas pengelolaan risiko stratejik yang dilakukan oleh Bank dengan menggunakan beberapa parameter seperti kesesuaian strategi dengan kondisi lingkungan bisnis, pemilihan strategi yang dilakukan Bank, posisi bisnis Bank di industri serta pencapaian atas rencana bisnis Bank.

2. Identifikasi Lingkungan BisnisPada semester pertama tahun berjalan, Bank akan meninjau ulang Rencana Bisnis Bank dan melakukan revisi yang diperlukan sesuai dengan kondisi terkini, dengan memperhitungkan pula isu-isu strategis dari perubahan kondisi operasional, pasar maupun peraturan yang berlaku. Revisi Rencana Bisnis Bank ini dibahas dalam Rapat Dewan Direksi dan diajukan kepada Dewan Komisaris untuk persetujuan.

3. PengukuranProses pengukuran risiko stratejik dilakukan dengan mempertimbangkan posisi bisnis Bank (terutama dibandingkan dengan peer) dan realisasi Rencana Bisnis Bank (RBB), kesesuaian strategi Bank dengan kondisi lingkungan bisnis, serta perubahan peraturan yang berlaku. Bank senantiasa memantau pencapaian rencana bisnis dan kinerjanya, antara lain melalui rasio-rasio keuangan seperti volume kredit dan dana pihak ketiga, ROA, ROE, NIM, CAR, LDR dan NPL, yang dibahas dalam Rapat Dewan Direksi setiap bulan.

The Implementation of Risk Management for Strategic Risk

1. Organization of Strategic Risk ManagementStrategic risk is closely related to the business plan and strategy taken by the Bank in order to reach its goals. These plan and strategy has been set in the Bank’s 3 (three) years period of business plan. The realization of the plan and strategy has been monitored periodically. The Bank will analyze the realization achievement toward the business plan and strategy and identify the reason of unrealized target if any. The monitoring activities to the realization of the Bank’s business plan become the responsibility of Planning Department (PLD) and periodically reported to the Management. Meanwhile, RMD is responsible to assess the strategic risk management conducted by the Bank using several parameters such as the conformity of the strategy with the business environment, the Bank’s strategy selection, the Bank’s business position in the industry, as well as the achievement to the Bank business plan.

2. Identification of Business EnvironmentIn the first half of the year, the Bank will review the Bank’s Business Plan and conduct necessary revision to align with the latest condition, by taking into account strategic issues arising from the change in operational, market as well as regulations. Revision on the Bank’s Business Plan is discussed in the Board of Directors meeting and submitted to Board of Commissioners for approval.

3. MeasurementStrategic risk measurement process is conducted by considering the Bank’s business position (mainly through peer review) and Business Plan Realization, suitability of the Bank’s strategy with business environment as well as the change in prevailing regulations. The Bank continuosly monitors the achievement of business plan and performance, among others by the tools of financial ratio such as outstanding of loan and third party fund, ROA, ROE, NIM, CAR, LDR and NPL, which is discussed in the Board of Directors meeting every month.




Penerapan Manajemen Risiko untuk Risiko Kepatuhan

1. Organisasi Manajemen Risiko KepatuhanBank menyadari bahwa kepatuhan merupakan sarana dasar untuk meningkatkan kinerja bisnisnya. Oleh karena itu Bank berusaha menerapkan kepatuhan secara ketat dengan pertimbangan bahwa aktivitas Bank terkait dengan misi publik dan tanggung jawab terhadap masyarakat. Kepatuhan diartikan sebagai ketaatan untuk bertindak sesuai dengan peraturan perundang-undangan dan ketentuan yang berlaku. Kepatuhan ini menjadi tanggung jawab dari seluruh karyawan Bank sesuai dengan bidang tugas dan tanggung jawabnya. Bank juga telah memiliki departemen khusus, Compliance Department (COD), yang bertanggung jawab untuk melakukan pemantauan atas kepatuhan Bank terhadap ketentuan serta peraturan yang berlaku. Selain itu, RMD bertanggungjawab untuk melakukan penilaian atas pengelolaan risiko kepatuhan yang dilakukan oleh Bank.

2. Strategi Manajemen Risiko KepatuhanBank telah menyusun Pedoman Kepatuhan untuk memberikan panduan mendasar kepada seluruh karyawan Bank terhadap ketentuan-ketentuan yang harus dipenuhi oleh Bank dalam menjalankan kegiatan usahanya. Panduan ini harus diketahui dan dipahami oleh seluruh karyawan Bank. Selain itu seluruh karyawan juga diharuskan untuk memahami seluruh kebijakan dan prosedur yang terkait dengan aktivitas dan tanggung jawabnya.Bank juga melakukan penilaian secara berkala terhadap risiko kepatuhan yang dihadapi oleh Bank dan kecukupan dan efektifitas tindakan pengendalian risikonya. Berdasarkan analisa tersebut, Bank kemudian menyusun rencana kegiatan untuk memperkokoh tindakan pengendalian. Bank juga menyusun rencana kegiatan kepatuhan tahunan berdasarkan hasil penilaian terhadap risiko kepatuhan, penerbitan peraturan baru serta rekomendasi dari auditor eksternal maupun internal.

The Implementation of Risk Management for Compliance Risk

2. Organization of Compliance Risk ManagementThe Bank realizes that compliance is a basic standard to improve its business performance. Thus, the Bank has attempted to apply strict compliances with consideration of the Bank activities are related to public mission and responsibility to the society. The compliance itself is defined as obediences to act in accordance with the prevailing law and regulation. This compliance has became the responsibility of all the Bank’s employees based on each role and responsibility. The Bank has also had special department, Compliance Department (COD) which is responsible to monitor the Bank’s compliances to the prevailing regulations. Besides, RMD is also responsible to assess the compliance risk management conducted by the Bank.

3. Strategy of Compliance Risk ManagementThe Bank has formulated Compliance Manual in order to provide basic guidelines to all the Bank’s employees in regards to the regulations that should be complied by the Bank in conducting its business activities. This guideline should be acknowledged and understood by all the Bank’s employees. Besides, all employees are also required to comprehend all policy and procedure related to their activities and responsibilities.

The Bank also conducts periodic assessment towards the compliance risk encountered by the Bank and the adequacy and effectiveness of the risk control actions. Based on that analysis, the Bank then formulates activities plan to strengthen control action. The Bank also prepares annual compliance activities plan based on the assessment result on the compliance risk, the issuance of new regulations and recommendations from the external and internal auditors.



3. Mekanisme Pemantauan dan Pengendalian Risiko KepatuhanPengukuran risiko kepatuhan dilakukan dengan menggunakan beberapa parameter yang telah ditetapkan. Parameter tersebut meliputi jenis dan signifikan pelanggaran yang dilakukan termasuk jumlah denda kewajiban membayar yang dikenakan kepada Bank; track record pelanggaran kepatuhan Bank yang meliputi jenis dan frekuensi pelanggaran yang berulang dilakukan oleh Bank serta signifikan tindak lanjut yang dilakukan oleh Bank; serta pelanggaran terhadap ketentuan atas transaksi keuangan tertentu. Proses pengukuran dilakukan secara berkala dan diwujudkan dalam bentuk laporan profil risiko kepatuhan Bank. Profil risiko kepatuhan tersebut kemudian dibandingkan dengan risk appetite Bank atas risiko kepatuhan yang telah ditetapkan sebelumnya.

Penerapan Manajemen Risiko untuk Risiko Reputasi

1. Organisasi Manajemen Risiko ReputasiPengelolaan reputasi merupakan satu hal yang penting dilakukan dalam suatu industri berbasis kepercayaan. Hal ini telah menjadi tugas dan tanggung jawab dari seluruh karyawan Bank. Selain itu, Bank juga telah membentuk suatu unit khusus, Customer Voice Team (CVT), dengan tujuan untuk mengatur dan memberikan kepastian akan pemberian tanggapan serta penyelesaian yang tepat bagi masukan, baik dalam bentuk permintaan/pertanyaan, saran, pujian serta pengaduan nasabah, yang diberikan oleh nasabah kepada Bank. Dengan demikian diharapkan kualitas pelayanan dan profesionalisme Bank akan meningkat di mana hasilnya adalah dalam bentuk kepuasan nasabah dan terjaganya reputasi Bank. Bank juga melakukan pemantauan dan pengendalian terhadap pemberitaan negatif yang mungkin terjadi terkait dengan Bank maupun SMBC sebagai pemegang saham mayoritas Bank. Pemantauan dilakukan oleh PLD yang juga menjalankan fungsi sebagai Corporate Secretary. Sementara itu, RMD bertanggungjawab untuk melakukan penilaian atas pengelolaan risiko reputasi yang dilakukan oleh Bank.

3. Mechanism of Monitoring and Controlling of Compliance Risk

The assessment of compliance risk is conducted by using several stipulated parameters. These parameters includes type and significance of committed violation which also include amount of penalty imposed to the Bank; track record of the Bank’s compliance that consist of types and frequency of repeated violation by the Bank also the significant follow up action done by the Bank; as well as violation towards certain financial transaction regulation. Assessment process is periodically conducted and presented in the Bank’s compliance risk profile report. This compliance risk profile is compared with the stipulated Bank’s risk appetite for compliance risk.

The Implementation of Risk Management for Reputation Risk

1. Organization of Reputation Risk ManagementThe reputation management is one of the significant point that is done in a trust based industry. This has been the role and responsibility of all the Bank’s employees. Besides, the Bank has also established a special unit, Customer Voice Team (CVT), with the purpose to manage and ensure for the right response and proper solution for the customer voice, either in the form of customers’ request/ question, suggestion, compliment and complaint to the Bank that given by the customers. Therefore, it is expected that the Bank’s service quality and professionalism will improve in the form of customer satisfaction and sustainability of the Bank reputation. The Bank has also conducted monitoring and controlling towards the negative publication that might occur related to the Bank or SMBC as the Bank’s majority shareholder. The monitoring is done by PLD which also run the Corporate Secretary function. While RMD is responsible to conduct assessment to the management of the Bank’s reputation risk that is done by the Bank.




2. Kebijakan dan Mekanisme Peningkatan Kualitas Pelayanan Bank telah menanggapi secara serius usaha untuk meningkatkan kualitas pelayanannya. Bank akan mencari akar permasalahan dari setiap masukan serta keluhan yang diterima dari nasabah. Bank lalu melakukan tindakan perbaikan yang diperlukan serta tindakan pencegahan untuk menghindari terulangnya kesalahan yang sama. Selain itu Bank secara berkala melakukan kaji ulang atas kebijakan dan prosedur Bank untuk memastikan bahwa kebijakan dan prosedur tersebut telah sesuai dengan peraturan yang berlaku serta tidak terdapat kelemahan dalam fungsi pengendalian internalnya. Bank juga melakukan kaji ulang atas seluruh produk serta aktivitas yang ditawarkan kepada nasabahnya untuk terus meningkatkan kualitas produk dan aktivitas tersebut serta menilai kepatuhannya terhadap prosedur dan peraturan yang berlaku termasuk penilaian atas risiko-risiko yang melekat pada produk dan aktivitas tersebut. Bank juga menindaklanjuti seluruh rekomendasi yang diterima sebagai hasil dari audit yang dilakukan oleh auditor internal maupun eksternal.

3. Pengelolaan Risiko Reputasi pada Saat KrisisPada saat krisis, pengelolaan reputasi menjadi semakin penting untuk tetap menjaga kepercayaan nasabah. Bank akan tetap mempertahankan kualitas pelayanan kepada nasabah serta kondisi keuangan Bank untuk meminimalisir kemungkinan terjadinya keluhan nasabah atau pemberitaan negatif mengenai Bank. Pemantauan atas publikasi negatif yang mungkin ada dilakukan agar Bank dapat dengan segera melakukan tindakan pengendalian dengan memberikan klarifikasi atas berita yang ditampilkan tersebut. Selain itu, Bank juga secara aktif memberikan informasi kepada nasabah mengenai kondisi Bank untuk memberikan gambaran yang sebenarnya sehingga kepercayaan nasabah dapat tetap terjaga.

2. The Policy and Mechanism to Improve the Service QualityThe Bank has seriously responded to the effort of services quality improvement. The Banks will find the core problem to every voice and complaint received from the customers. The Bank then takes required action as well as the preventive action to avoid the same mistake. Beside, the Bank periodically reviews its policy and procedure to ensure that the policy and procedure is still in line with prevailing regulation and has no weaknesses in the internal control function. The Bank has also reviewed all products and activities offered to its customer in order to improve the quality of products and activities and to assess the compliance towards the procedure and the prevailing regulation including assessment of inherent risk of the products and activities. The Bank also follows up all the received recommendation as part of the audit result conducted by both internal and external auditor.

3. The Management of Reputation Risk during CrisisDuring crisis, the reputation management became more important in order to maintain customer’s trust. The Bank will maintain the service quality to the customers and the Bank’s financial condition in order to minimize the possibility of customer complaints or negative publication concerning the Bank. The monitoring on the possibility of negative publication is conducted so that the Bank could take controlling action by providing clarification towards presented publication. Besides, the Bank also actively gives information regarding the Bank’s real condition to the customers in order to maintain customers’ trust.



Laporan Teknologi InformasiInformation Technology Report



“Bank telah mengimplementasikan aplikasi pembayaran pajak secara langsung atau STP (Straight Through Processing) untuk meningkatkan pelayanan kepada nasabah dalam bidang Teknologi Informasi”

“The Bank has implemented Straight Through Processing (STP), a direct tax settlement application to improve customers’ IT Services.”

Teknologi Informasi semakin memegang peranan kunci dalam mencapai tujuan akhir Bank untuk menciptakan aplikasi TI yang berdaya guna serta efisien bagi nasabah Bank. Melalui pengembangan secara terintegrasi dengan teknologi terkini, Bank melalui Departemen Teknologi Informasi telah menjawab berbagai kebutuhan nasabah yang bermobilitas tinggi.

Pada bulan Juni 2013, Bank telah melakukan pengkinian aplikasi pembayaran pajak, agar para nasabah dapat melakukan pembayaran secara langsung atau STP (Straight Through Processing). Implementasi sistem ini ditujukan untuk menciptakan layanan perbankan yang lebih efektif serta efisien terutama dari sisi pembiayaan.

Dalam rangka mendukung rencana strategi Teknologi Informasi Bank Indonesia, Bank juga telah memulai pengembangan terkait BI-RTGS Generasi-2, sistem pelaporan baru Bank Indonesia XBRL dan sistem pelaporan transaksi ke PPATK, yaitu IFTI.

Di bidang pengembangan dan pengelolaan infrastruktur, Bank telah melakukan peningkatan aplikasi server, file server dan alat-alat pendukung jaringan seperti firewall dan coreswitch, untuk meningkatkan kualitas dan kecepatan performa akses data oleh pengguna.

Untuk semakin menyempurnakan layanan Bank, khususnya dalam memberikan pelayanan terbaik kepada nasabah

Information Technology has a significant role to reach the Bank’s goal. Supported with integrated latest technology, the IT Department has developed a beneficial and efficient IT application. This cutting edge IT application has answered the customers’ needs of high mobility.

The Bank has updated tax settlement application on June 2013. This update has enabled the customers to make a direct tax settlement (Straight Through Processing). The implementation of this system has improved an effective and efficient financing service of the Bank.

In order to support the strategic plan of Bank Indonesia Information Technology, the Bank has also started a development in associate with BI-RTGS Generation-2, a new reporting system of Bank Indonesia XBRL and transaction reporting system to PPATK, which is IFTI.

Responding to infrastructure development and management; the Bank has upgrade server application, file server and supporting network such as firewall and coreswitch in order to improve the quality and the speed performance for the users’ data access.

To give the best and comprehensive services to its customer, the Bank has implemented a real-time data replication



secara cepat saat kondisi darurat, Bank juga telah mengimplementasikan replikasi data secara real-time antara Data Center dengan Disaster Recovery Center untuk aplikasi-aplikasi pendukung selain System Core Banking. Agar dapat tetap memberikan layanan, Bank secara berkala melakukan latihan keadaan darurat kepada seluruh karyawan untuk meningkatkan kesadaran dan kemampuan layanan karyawan dalam kondisi darurat.

Berkaitan dengan keamanan informasi, Bank menjalankan kebijakan yang kuat dalam menangani informasi yang rahasia dan keamanan guna pencegahan kebocoran informasi rahasia. Pencegahan tersebut meliputi pengaturan atas akses ke sistem, kata sandi, tata cara pengiriman informasi yang benar dan juga kebijakan clean desk. Selain itu, Bank juga mengadakan pelatihan kewaspadaan mengenai keamanan informasi dengan adanya sistem prosedur mengenai keamanan informasi yang dapat diakses oleh semua karyawan Bank.

within Data Center and Disaster Recovery Center designed for supporting application besides System Core Banking. The system has allowed the bank to provide the best and prompt services during force majeure. The bank also conducted periodic emergency simulations to all employees in order to create employees’ awareness and to improve services competency during force majeure.

Related with information security, the Bank implemented robust policy to provide information security and to prevent the leakage of classified information. The prevention includes the access regulation to system, password, information dispatcher procedure and clean desk procedure. Besides, the Bank also conducted training to the employees in regards to create awareness of information security. This information security procedure system can also be accessed by all Bank’s employees.


Tata Kelola PerusahaanGood Corporate Governance


Komitmen dalam penerapan prinsip-prinsip tata kelola perusahaan adalah salah satu kunci kesuksesan bagi Bank dalam menjalankan setiap kegiatan usaha yang dilakukan. Di tahun 2013, Bank melalui Manajemen dan segenap jajaran telah melaksanakan prinsip tata kelola perusahaan dengan baik.

Penerapan tata kelola perusahaan yang baik merupakan elemen yang penting terutama dalam menghadapai risiko bisnis dan tantangan yang semakin meningkat. Apabila dilakukan secara konsisten akan memperkuat daya saing perusahaan untuk menjadi Bank terpercaya di Indonesia, memaksimalkan nilai perusahaan, mengelola risiko dan sumber daya untuk lebih efisien dan efektif yang akhirnya akan memperkuat kepercayaan pemegang saham dan stakeholders sehingga Bank dapat terus berkembang dalam jangka panjang.

Sebagai bagian dari komitmen dalam menerapkan praktik Good Corporate Governance, Bank senantiasa mengutamakan kepatuhan terhadap peraturan yang berlaku dan terus memperbaiki penerapan tata kelola perusahaan dengan cara disiplin yang nantinya akan meminimalkan risiko-risiko dan meningkatkan kinerja Bank secara keseluruhan.

Commitment in implementing the Good Corporate Governance (GCG) is one of the key successes for Bank to conduct every line of its business activities. In 2013, the Bank through its management and team has conducted well on the Good Corporate Governance (GCG) principle.

The implementation of Good Corporate Cooperation is the important element in facing business risk and challenge that continue to increase. Through consistent implementation, it will strengthen the business competitiveness to become the most trusted Bank in Indonesia, maximize corporate value, manage efficiently and effectively on the risk exposure and resources which eventually will reinforce the shareholders and stakeholders trust so that the Bank can continue to grow in the long term.

As part of the commitment in implementing Good Corporate Governance, Bank uncompromising place priority on compliance to the prevailing laws and regulations and continue to enhance on the implementation of Good Corporate Governance through discipline approach that will ultimately minimize the risks exposure and develop Bank’s performance as a whole.




Sehubungan dengan penerapan tata kelola, Bank telah membetuk komite-komite seperti audit komite, risiko pemantau komite dan remunerasi dan nominasi komite, juga unit independen seperti Satuan kerja Audit Intern dan Manajemen Risiko. Pembahasan mengenai fungsi kepatuhan, audit internal, komite, sumber daya manusia, manajemen risiko dan teknologi informasi sudah dijelaskan dalam bagian Laporan Manajemen pada Laporan Tahunan ini. Sedangkan pembahasan atas penerapan tata kelola perusahaan pada bidang-bidang lainnya yang dipersyaratkan oleh Bank Indonesia akan disajikan terpisah dalam Laporan Pelaksanaan Tata Kelola Perusahaan yang Baik.

Kode Etik

Pedoman internal Bank yang berisikan etika bisnis, etika kerja, ketaatan terhadap hukum, serta komitmen atas peraturan dan regulasi bagi setiap Dewan Komisaris, Direksi serta seluruh karyawan Bank, wajib dipatuhi dan dilaksanakan sebagai wujud atas penerapan tata kelola perusahaan yang baik.

Dalam upaya menegakkan kode etik Bank, maka Dewan Komisaris, Direksi serta seluruh karyawan Bank, wajib memahami dan menandatangani ketentuan yang berisi kode etik Bank. Proses pemantauan serta pengarahan sebelum terjadinya pelanggaran dilakukan oleh Divisi Kepatuhan dan setiap pelanggaran terhadap kode etik akan dikenakan sanksi yang tegas sesuai peraturan dan ketentuan yang berlaku di Bank.

Dewan Komisaris dan Direksi

Tata kelola yang efektif memerlukan komitmen tinggi dari Dewan Komisaris dan Direksi. Dewan Komisaris dan Dewan Direksi adalah organ bagi perusahaan. Dewan Komisaris bertanggung jawab memantau keefektifan praktek-praktek tata kelola perusahaan dan Dewan Direksi memiliki komitmen secara terus menerus supaya Good Corporate Governance dapat diimplementasikan dengan standar yang tertinggi sebagai pedoman tata kelola dan praktik kepatuhan yang baik.

In relation with the implementation for Good Corporate Governance, Bank has conducted committees such as Audit Committee, Risk Monitoring Committee and Remuneration and Nomination Committee, as well as independent unit such as Internal Audit Work Unit and Risk Management. Description of compliance function, internal audit, committees, human resources, risk management, and information technology has been explained in the Management Report Chapter in this Annual Report. While the description of the implementation of Good Corporate Governance in other aspects as required by Bank Indonesia will be separately delivered in the Report of Implementation of Good Corporate Governance.

Code of Ethic

The Bank’s internal guidance that consist of business ethic, work ethic, compliances to legal, and commitment to rule and regulation by all Board of Commissioners, Board of Directors and all Bank’s employee should be obeyed and conducted as a part of the implementation of Good Corporate Governance.

In the effort to enforce the Bank’s code of ethic, Board of Commissioners, Board of Directors, and all Banks’ employees are required to understand and sign the Bank’s code of ethic requirement. The process of monitoring and direction is conducted by Compliance Division before the violation performed, and each violation to code of ethic will be sanctioned in accordance with the prevailing Bank’s rules and regulations.

Board of Commissioners and Board of Directors

Effective Corporate Governance requires a high level of cooperation between the Board of Commissioners and the Board of Directors. Board of Commissioners and Board of Directors is the Company’s organ. Board of Commissioners is responsible in monitoring on the effectiveness of Good Corporate Governance practices and Board of Directors has continuous commitment for Good Corporate Governance to be implemented with the highest standard as the governance guidelines and good compliance practice.



Dewan Komisaris

Tugas dan Tanggung Jawab

Dewan Komisaris bertugas dan bertanggung jawab secara kolektif dalam menjalankan tugasnya. Secara umum, tugas utama Dewan Komisaris adalah sebagai berikut tetapi tidak terbatas pada:a. Memastikan terselenggaranya pelaksanaan tata kelola

perusahaan yang baik dalam setiap kegiatan usaha perseroan pada seluruh tingkatan atau jenjang organisasi perseroan

b. Mengarahkan, memantau, dan mengevaluasi pelaksanaan kebijakan strategis perseroan yang ditetapkan Direksi dari waktu ke waktu

c. Memastikan bahwa Direksi telah menindak lanjuti temuan audit dan rekomendasi dari satuan kerja internal audit perseroan, audit external maupun hasil pengawasan yang berwenang, dan

d. Mengawasi secara aktif dan mengevaluasi penerapan manajemen risiko pada perseroan

Laporan pengawasan dan Rekomendasi Dewan Komisaris

Dewan Komisaris telah secara aktif melakukan pengawasan terhadap pengelolaan dan operasional Bank. Pengawasan dilakukan secara langsung melalui pemantauan terhadap tindak lanjut atas rekomendasi melalui komite-komite yang dibentuk. Di tahun 2013, Dewan Komisaris telah melakukan pengawasan:• Kinerja keuangan dan Laporan bisnis Bank• Mengkaji Laporan Kepatuhan • Mengkaji Laporan Teknologi Informasi• Kerangka kerja manajemen risiko• Mengkaji laporan tata kelola perusahaan• Perkembangan tindak lanjut atas temuan audit internal

dan eksternal• Menelaah Laporan Komite Audit, Laporan Komite

Pemantau Risiko dan Laporan Komite Remunerasi dan Nominasi

• Mengkaji dan menyetujui Rencana Bisnis Bank

Board of Commissioners

Duties and Responsibilities

Board of Commissioners is collectively responsible in conducting their roles. In general, the main roles of Board of Commissioners are as follow but not limited to:

a. Ensure the implementation of the principles of good corporate governance in any business activity of the Company at all levels and organization levels of the Company

b. Direct, Monitor and evaluate the implementation of the Company’s strategic policy as determined by theboard of Directors from time to time.

c. Ensure that the Board of Directors follows up the audit findings and recommendations of the Company’s internal audit unit, external audit and the findings of the supervision by the competent authorities and

d. Actively supervise and evaluate the application of the risk management of the Company

Oversight Report and Recommendation of the Board of Commissioners

The Board of Commissioners has actively overseen the Bank’s management and operational. The direct monitoring is through the follow-up actions on the recommendations from the Committees. In year 2013, Board of Commissioners has conducted the following supervision:

• Bank’s financial performance and business report• Reviewed on Compliance function• Reviewed on Information Technology• Review on management risk framework• Review on Good Corporate Cooperation• Monitoring on the follow-up action towards the audit findings both internal and external• Review on the Audit Committee report, Risk Monitoring Committee and Remuneration and Nomination Committee.

• Reviewed and approved Bank’s Business Plan



Komposisi Dewan Komisaris

Komposisi Dewan Komisaris Bank per 31 Desember 2013 berjumlah 4 (empat) orang, yaitu 2 (dua) orang warga negara Jepang dan 2 (dua) orang warga negara Indonesia. Seluruh anggota Dewan Komisaris telah lulus Uji Kemampuan dan Kepatutan (Fit and Proper Test) serta memenuhi peraturan perundang-undangan yang berlaku.Susunan Dewan Komisaris:

Direksi

Tugas dan tanggung jawab Direksi adalah sebagai berikut tapi tidak terbatas pada:a. Memimpin dan mengurus perseroan sesuai dengan maksud dan tujuan perseroanb. Menguasai, memelihara dan mengurus kekayaan perseroan untuk kepentingan perseroanc. Menetapkan kebijakan dan strategi manajemen risiko

serta menjamin terselenggaranya kebijakan manajemen risiko tersebut

d. Menciptakan struktur pengendalian intern, menjamin terselenggaranya fungsi audit intern perseroan dalam

Composition of Board of Commissioners

Composition of the Bank’s Board of Commissioners as per 31 December 2013 consist of 4 (four) persons: 2 (two) Japanese citizens and 2 (two) Indonesian citizens. All member of Board of Commissioners has passed the Fit and Proper Test and fulfilled the prevailing law and regulations.

Composition of Board of Commissioners:

Board of Directors

Duties and Responsibilities are as follows but not limited to:

a. Direct and manage the Company in accordance with the Company’s objectives and purpose

b. Control, maintain and manage the assets of the Company in the interest of the Company

c. Establish risk management policy and strategy and ensure the implementation of such risk management policy

d. Establish a structure of internal control, ensure the implementation of the Company’s internal audit function

Masayuki Shimura

Airo Shibuya*

RAG Bramono Dwiedjanto

Ninik Herlani Masli Rdwan**

Komisaris Utama/ President Commisioners

Wakil Komisaris Utama/ Vice President Commisiioners

Komisaris Independen/ Independent Commisioners

Komisaris Independen/ Independent Commisioners

Nama/ Name Posisi/ Position

Notes :*) Efektif tanggal 3 October 2013, Sdr. Airo Shibuya diangkat menjadi Wakil Komisaris Utama menggantikan Sdr. Hiroshi Irie dan hadir dalam rapat Komisaris sebanyak 1

(satu) kali pada tanggal 22 November 2013. | On 3 October 2013, Mr. Airo Shibuya was effectively appointed as Vice President Commissioners to replace Mr. Hiroshi Irie

**) Efektif tanggal 21 Februari 2013, Sdri. Ninik Herlani diangkat sebagai Komisaris Independen untuk mengisi posisi lowong | On 21 February 2013 Ms. Ninik Herlani Masli Rhidwan was effectively appointed as Independent Commissioners to fill in the vacant posisiton.

Komposisi Dewan Komisaris / Composition of Board of CommissionersPer tanggal 31 Desember 2013/ As of 31 December 2013



setiap tingkatan manajemen dan menindaklanjuti temuan audit intern perseroan sesuai dengan kebijakan atau pengarahan fungsi audit bank sesuai peraturan yang ditetapkan instansi berwenang dan

e. Melaksanakan prinsip tata kelola perusahaan yang baik dalam setiap kegiatan usaha Perseroan pada seluruh tingkatan atau jenjang organisasi

Komposisi Direksi

Komposisi Direksi Bank per 31 Desember 2013 berjumlah 7 (Seven) anggota Direksi yaitu 4 (empat) orang warga negara Indonesia dan 3 (tiga) orang warga negara Jepang, yang semuanya berdomisili di Indonesia. Seluruh anggota Direksi berasal dari pihak independen terhadap pemegang saham pengendali.

at every management level to follow up the findings of such internal audit of the Company in accordance with the policy of the Company or the guidance of the Board of Commissioners, in the framework of general controls as determined in the Implementation of the Standard Function of Bank Audit in accordance with the regulations determined by the competent institutions; and

e. Carry out the principles of good corporate governance in all of the business activities of the Company at all organization levels.

Composition of Board of Directors:

Composition of Board of Directors as per 31 December 2013 consist of 7 (seven) members: 4 (four) Indonesian citizens, and 3 (three) Japanese citizens – all of the members domiciled in Indonesia. All members of Board of Directors came from independent party to controlling shareholders.

Masaya Hirayama

Tsuyoshi Yamaguchi*)

Shoichi Yamashiro

Bruno Octer Purba

Masa Paskalis Lingga

Trie Karjati Wibowo

Ajar Siswandono

Direktur Utama/ President Director

Wakil Direktur Utama/ Vice President Director

Direktur/ Director

Direktur/ Director

Direktur/ Director

Direktur Yang Membawahi Fungsi Kepatuhan/ Director Overseeing Compliance Function

Direktur/ Director

Nama/ Name Posisi/ Position

Komposisi Dewan Direksi / Composition of Board of DirectorsPer tanggal 31 Desember 2013/ As of 31 December 2013

Notes :*) Tanggal 1 April 2013, Sdr, Tsuyoshi Yamaguchi telah diangkat menjadi Wakil Direktur Utama untuk mengisi posisi lowong | On 1 April 2013, Mr.Tsuyoshi Yamaguchi has effectively been appointed as Vice President Director to fill in the Vacant Position.


Jumlah Rapat Tahun 2013/Number of Meetings in 2013

Dewan Komisaris/ Board of Commisioners

Masayuki Shimura

Airo Shibuya/ Hiroshi Irie*)

RAG Bramono Dwiejanto

Ninik Herlani**)

Direksi/ Board of Directors

Masaya Hirayama

Tsuyoshi Yamaguchi ***)

Shoichi Yamashiro

Octer Purba

Trie Karjati Wibowo

Masa Paskalis Lingga

Ajar Siswandono

4/4

1/4 and 3/4

4/4

3/4

4/4

3/4

4/4

4/4

4/4

4/4

4/4

-

-

-

-

12/12

9/12

12/12

11/12

9/12

11/12

12/12

Rapat Dewan Komisaris/BOC Meetings

4 12

Rapat Direksi/BOD Meetings

Notes :*) Sdr. Hiroshi Irie sebagai Wakil Presiden Komisaris hadir dalam rapat Komisaris sebanyak 3 (tiga) kali pada tanggal 28 February 2013, 6 May 2013 dan 6 September 2013.

Efektif tanggal 3 Oktober 2013, Sdr, Airo Shibuya diangkat menjadi Wakil Presiden Komisaris menggantikan Sdr. Hiroshie Irie dan hadir dalam rapat Komisaris sebanyak 1 (satu) kali pada tanggal 22 November 2013. | Mr. Hiroshi Irie as the Vice President Commissioners attended BOC meeting 3 (three) times on 28 February 2013, 6 May 2013 and 6 September 2013. Effective on 3 October 2013, Mr. Airo Shibuya replaced Mr. Hiroshi Irie and attanded BOC meeting 1 (one) time on 22 November 2013.

**) Efektif tanggal 21 Februari 2013, Sdri. Ninik Herlani diangkat menjadi sebagai Komisaris Independen untuk mengisi posisi lowong dan hadir dalam rapat Komisaris sebanyak 3 (tiga) kali pada tanggal 6 May 2013, 6 September 2013, dan 22 Nopember 2013. | Effective on 21 February 2013, Ms. Ninik Herlani appointed as independent Commissioner to fill in the vacant position and attended BOC meeting for 3 (three) times on 6 May 2013, 6 September 2013, and 22 November 2013

***) Efektif tanggal 1 April 2013, Sdr. Tsuyoshi Yamaguchi diangkat menjadi Wakil Direktur Utama untuk mengisi posisi lowong dan hadir dalam BOD meeting sebanyak 9 (sembilan) kali di tahun 2013. | Effective on April 1, 2013 Mr. Tsuyoshi Yamaguchi appointed as Vice President Director to fill in the Vacant position and attanded BOD meeting for 9 (nine) times in Year 2013.


frekuensi Rapat dan Tingkat Kehadiran Rapat Dewan Komisaris dan Dewan Direksi

Bank telah mengadakan rapat Dewan Komisaris dan Direksi secara berkala untuk menjaga keberlangsungan pengawasan yang efektif terhadap aspek-aspek strategis, keuangan, operasi, kepatuhan dan tata kelola.

Tabel dibawah ini menunjukan jumlah rapat Dewan Komisaris dan rapat Direksi selama tahun 2013 dan kehadiran oleh masing-masing Komisaris dan Direktur.

Meeting Frequency and Attendances Level in the Board of Commissioners Meetings and Board of Directors Meetings Bank has conducted Board of Commissioners meeting and Board Directors meeting regularly to maintain the effectiveness of oversight on the strategies aspect, financial, operational, compliance and governance issues.

Table below shows the number of meetings of Board of Commissioners and Board of Directors in year 2013 and the attendance by respective Commissioners and Directors.


Profil PerusahaanCompany Profile


Struktur OrganisasiOrganization Structure

Risk ManagementCommitteeALCOCredit CommitteeCredit Policy

Committee

Treasury Operation

Settlement Services II

Settlement Services I

Trea

sury

Cash and Deposits Services

Business Adm

in. Planning

Accounting

Legal

Trea

sury

Trade Finance Operation

Trea

sury

Internal Audit

Compliance

Risk Managem

ent

AM

L & CFT U

nit

Loan Administration

Information Technology

IT SteeringCommittee

DirectorHead of

Administration

DirectorOverseeing

Compliance FunctionDirectorDirector

Board of Commissioners

Risk MonitoringCommittee

AuditCommittee

Remuneration and NominationCommittee


Shareholders

Notes :

President Director

Trea

sury

Treasury Marketing

Treasury

Planning

Loan

Trea

sury

Japanese Marketing IV

Japanese Marketing III

Japanese Marketing II

Japanese Marketing I

Trea

sury

Cash Managem

ent Services

Trade Finance Marketing

Project Finance

Non Japanese M

arketing

Deputy PDDirector

Hum

an Resources


Profil Dewan KomisarisBoard of Commissioners Profile

Warga Negara Jepang. Beliau memiliki pengalaman lebih dari 30 tahun di industri perbankan. Beliau memulai karirnya pada tahun 1982 di The Mitsui Bank Ltd yang kemudian menjadi Sumitomo Mitsui Banking Corporation (SMBC) pada tahun 2001. Sejak tahun 2010, Beliau ditunjuk sebagai Managing Director, Head of Asia Pacific Division SMBC, dan sejak bulan April 2014, Beliau juga menjabat sebagai Head of Emerging Markets Business Division SMBC. Ditunjuk sebagai Komisaris Utama di PT Bank Sumitomo Mitsui Indonesia sejak bulan Agustus 2010 sampai saat ini. Beliau meraih gelar Bachelor of Economics dari The University of Tokyo, Jepang.

Japanese citizen. He has more than 30 years experience in the banking industry. He started his career in 1982 at The Mitsui Bank Ltd which eventually became Sumitomo Mitsui Banking Corporation (SMBC) in 2001. Since 2010, He was appointed to the current position as Managing Director, Head of Asia Pacific Division of SMBC and since April 2014, He also assumes position as Head of Emerging Markets Business Division SMBC. Appointed as President Commissioner at PT Bank Sumitomo Mitsui Indonesia since August 2010 until present. He holds a Bachelor of Economics from The University of Tokyo, Japan.

Warga Negara Jepang. Beliau memiliki pengalaman lebih dari 30 tahun di industri perbankan khususnya Corporate dan Investment Banking. Beliau memulai karirnya pada tahun 1987 di The Sumitomo Bank Ltd yang kemudian menjadi Sumitomo Mitsui Banking Corporation (SMBC) pada tahun 2001. Sejak bulan April 2013, Beliau menjabat sebagai General Manager, Emerging Markets Business Division SMBC. Ditunjuk sebagai Wakil Komisaris Utama dan menjadi anggota Komite Remunerasi dan Nominasi di PT Bank Sumitomo Mitsui Indonesia sejak bulan Oktober 2013 sampai saat ini. Beliau meraih gelar Bachelor of Science dari Universitas Kyoto, Jepang.

Japanese citizen. He has more than 30 years experience in the banking industry especially in Corporate and Investment Banking. He started his career in 1987 at The Sumitomo Bank Ltd which eventually became Sumitomo Mitsui Banking Corporation (SMBC) in 2001. Since April 2013, He assumes the position of General Manager of Emerging Markets Business Division of SMBC. Appointed as Vice President Commissioner and member of Remuneration and Nomination Committee at PT Bank Sumitomo Mitsui Indonesia since October 2013 until present. He earned his Bachelor Degree in Science from Kyoto University, Japan.

Masayuki ShimuraKomisaris UtamaPresident Commissioner

Airo ShibuyaWakil Komisaris Utama

Vice President Commissioner


Profil Dewan KomisarisBoard of Commissioners Profile

Warga Negara Indonesia. Beliau memulai karirnya sebagai analis kredit di PT. Bank Negara Indonesia pada tahun 1979, kemudian menduduki berbagai posisi sampai dengan jabatan terakhir sebagai General Manager cabang Hongkong dari tahun 2005-2008. Pada tahun 2009-2010, beliau menjabat sebagai Direktur Eksekutif di PERBANAS (Perhimpunan Perbankan Nasional). Ditunjuk sebagai Komisaris Indpenden PT Bank Sumitomo Mitsui Indonesia sejak tahun 2001-2005, kemudian diangkat kembali sebagai Komisaris Independen sekaligus sebagai Ketua Komite Pemantau Risiko sejak Juni 2009. Pada tahun 2011, Beliau juga ditunjuk sebagai Komite Audit sekaligus Ketua Remunerasi dan Nominasi. Pada tahun 2013, Beliau diangkat menjadi Ketua Komite Pemantau Risiko dan tetep menjadi Ketua Remunerasi dan Nominasi. Beliau meraih gelar Sarjana Ekonomi dari Universitas Diponegoro, Semarang dan gelar Master of Business Administration di bidang Keuangan dari The Carlson School of Management, University of Minnesota, USA.

Warga Negara Indonesia. Beliau memulai karirnya pada tahun 1981 di Kantor Akuntan Publik Utomo (SGV-Utomo). Kemudian pada tahun 1985, Beliau bergabung di PT Bank Central Asia Tbk dengan jabatan terakhir Kepala Pengendalian Mutu dan Pengembangan Audit pada tahun 2012. Ditunjuk sebagai Komisaris Independen dan menjadi Ketua Komite Audit di PT Bank Sumitomo Mitsui Indonesia sejak bulan Februari 2013 sampai saat ini. Beliau meraih gelar Master di bidang Keuangan dari Universitas Indonesia.

Indonesian citizen. She started her career in 1981 at Utomo Public Accountant Office (SGV-Utomo). In year 1985, she joined PT Bank Central Asia Tbk with the latest position as Head of Audit Development and Quality Control in year 2012. Appointed as Independent Commissioner and Chairman of Audit Committee at PT Bank Sumitomo Mitsui Indonesia since February 2013 until present. She obtained her Master Degree in Finance from University of Indonesia.

RAG Bramono DwiedjantoKomisaris IndependenIndependent Commissioner

Ninik Herlani Masli Komisaris Independen

Independent Commissioner

Indonesian citizen. He started his career in 1979 at PT Bank Negara Indonesia as Loan Analyst and in the 2005 to 2008 he was positioned as General Manager in its Hongkong Branch, while in 2009 to 2010 held position as Executive Director of PERBANAS (National Banking Association). Appointed as Independent Commissioner of PT Bank Sumitomo Mitsui Indonesia since 2001-2005, later He was reappointed as Independent Commissioner starting on June 2009. Since year 2011, He was also appointed as Chairman of Audit Commitee and Chairman of Remuneration and Nomination. Starting in year 2013, He was appointed as the Chairman of Risk Monitoring Committee and continues to hold His position as Chairman of Remuneration and Nomination Committee. He earned Bachelor Degree in Economics from Diponegoro University, Semarang and Master Degree in Bussiness Administration in Finance from The Carlson School of Management, University of Minnesota, USA.


Profil DireksiBoard of Directors Profile

Warga Negara Jepang. Beliau memulai karirnya pada tahun 1985 di The Sumitomo Bank, cabang Itachibori, Jepang. Semenjak itu, Beliau telah dipercayakan dengan berbagai tanggung jawab di beberapa departemen dengan jabatan terakhir Beliau di Sumitomo Mitsui Banking Corporation adalah General Manager pada Global Advisory Department, Tokyo. Bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan Oktober 2011 dan menjabat sebagai Direktur Utama sejak bulan Januari 2012. Beliau meraih gelar Bachelor of Art, Fakultas Ekonomi dari Ritsumeikan University, Jepang.

Japanese citizen. He started his career in 1985 at The Sumitomo Bank, Itachibori Branch, Japan. Since then, he Has been entrusted with various assignments in various departments with his last position in Sumitomo Mitsui Banking Corporation was General Manager of Global Advisory Department, Tokyo. Joined PT Bank Sumitomo Mitsui Indonesia in October 2011 and assumes the position as President Director since January 2012. He earned Bachelor of Art, Economic Department, from Ritsumeikan University, Japan.

Masaya HirayamaPresiden DirekturPresident Director



Warga Negara Jepang. Beliau memulai karirnya pada tahun 1989 di The Sumitomo Bank Ltd, cabang Shinjuku-higashiguchi, Jepang. Semenjak itu, Beliau telah dipercayakan dengan berbagai tanggung jawab di beberapa departemen dengan jabatan terakhir Beliau adalah sebagai Joint General Manager di Planning Department Asia Pacific Division, Sumitomo Mitsui Banking Corporation di Singapura. Bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan Februari 2013 sebagai Wakil Direktur Utama. Beliau meraih gelar Bachelor of Art dari Sophia University, Jepang.

Japanese citizen. He started his career in 1989 at The Sumitomo Bank Ltd, Shinjuku-higashiguchi Branch, Japan. Since then, He has been entrusted with various assignments in various departments with his last position as Joint General Manager of Planning Department, Asia Pacific Division, Sumitomo Mitsui Banking Corporation, Singapore. Joined PT Bank Sumitomo Mitsui Indonesia in February 2013 as Deputy President Director. He earned Bachelor of Art from Sophia University, Japan.

Warga Negara Jepang. Beliau memulai karirnya pada tahun 1987 di The Sumitomo Bank Ltd, Jepang. Semenjak itu, Beliau telah dipercayakan dengan berbagai tanggung jawab di beberapa departemen dengan jabatan terakhir Beliau adalah Senior Vice President pada Planning Department, International Banking Unit. Bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan September 2005 dan menjabat sebagai Director & Head of Administration (HoA) sejak bulan Maret 2006. Beliau meraih gelar Bachelor of Economics dari Nagoya University, Jepang dan gelar Master of Business Administration dari Manchester Business School, University of Manchester, Inggris.

Japanese citizen. He started his career in 1987 at The Sumitomo Bank Ltd, Japan. Since then, He has been entrusted with various assignments in various departments with his last position in Sumitomo Mitsui Banking Corporation was Senior Vice President of Planning Department, International Banking Unit. Joined PT Bank Sumitomo Mitsui Indonesia in September 2005 and assumes the position as Director & Head of Administration (HoA) since March 2006. He earned Bachelor of Economics from Nagoya University, Japan and gained Master of Business Administration from Manchester Business School, University of Manchester, United Kingdom.

Tsuyoshi YamaguchiWakil Direktur Utama

Deputy President Director

Shoichi YamashiroDirektur & HoADirector & HoA



Warga Negara Indonesia. Beliau memulai karirnya di Bank Indonesia dari tahun 1975-2003 dengan jabatan terakhir sebagai Deputi Direktur Direktorat Pengawasan Bank. Juga pernah menjadi anggota Dewan Komisaris pada sebuah bank umum swasta nasional di Jakarta dari bulan Mei 2003 - Mei 2005. Bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan April 2005. Pada tahun 2005–2008, Beliau ditunjuk sebagai Direktur Kepatuhan dan sejak bulan Agustus 2008 menjabat sebagai Direktur Manajemen Risiko. Beliau meraih gelar Sarjana Ekonomi dari Universitas Gadjah Mada dan gelar Master di bidang Ekonomi dari The Southern Illinois University at Carbondale, Carbondale, Illinois, Amerika Serikat.

Indonesian citizen. He started his career in Bank Indonesia from 1975-2003 with last position as Deputy Director of Directorate of Bank Supervision. He was the member of Board of Commissioner of a local private bank in Jakarta from May 2003 - May 2005. Joined PT Bank Sumitomo Mitsui Indonesia in April 2005. In year 2005-2008, He was appointed as Director of Compliance and since August 2008, he assumes the position as Director of Risk Management. He earned Bachelor of Economics from Gadjah Mada University and gained Master of Economics from The Southern Illinois University at Carbondale, Carbondale, Illinois, USA.

Warga Negara Indonesia. Beliau memulai karirnya di PT Bank Bali Tbk dari tahun 1989-2000, bergabung dengan PT Permata Bank Tbk pada tahun 2000-2003 dan bergabung dengan PT Bank Chinatrust Indonesia pada tahun 2003-2012, dengan jabatan terakhir sebagai Direktur Operasional. Bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan menjabat sebagai direktur sejak bulan September 2012. Beliau meraih gelar Sarjana Ekonomi di bidang Akuntansi dari Universitas Sumatera Utara, Medan.

Indonesian citizen. He started his career at PT Bank Bali Tbk from 1989-2000, joined PT Permata Bank Tbk in year 2000-2003 and joined PT Bank Chinatrust Indonesia in year 2003-2012, with last position as Operation Director. Joined PT Bank Sumitomo Mitsui Indonesia and assumes the position as Director since September 2012. He earned Bachelor of Economics majoring in Accounting from Northern Sumatera University, Medan.

Bruno Octer PurbaDirekturDirector

Masa Paskalis LinggaDirekturDirector



Warga Negara Indonesia. Beliau memulai karirnya di BCA Yogyakarta pada tahun 1988, dan pada tahun 1996-2006 bergabung dengan PT Bank Sanwa Indonesia, yang mana di tahun 2001 bergabung (merger) dengan PT Tokai Lippo Bank dan mengganti namanya menjadi PT Bank UFJ Indonesia. Bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan April 2006 dan ditugaskan sebagai Head pada Compliance Department. Beliau ditunjuk sebagai Direktur sejak bulan Maret 2008 dan menjabat sebagai Direktur Kepatuhan sejak bulan Agustus 2008. Beliau memperoleh gelar Sarjana Ekonomi dari Universitas Atma Jaya, Jakarta dan Universitas Gadjah Mada, Yogyakarta.

Indonesian citizen. She started her banking career at BCA Yogyakarta in 1988, and from 1996-2006 joined PT Bank Sanwa Indonesia, which in 2001, merged with PT Tokai Lippo Bank and changed its name to PT Bank UFJ Indonesia. Joined PT Bank Sumitomo Mitsui Indonesia in April 2006 and assigned as Head of Compliance Department. She was appointed as Director in March 2008 and assumes the position as Director of Compliance since August 2008. She earned Bachelor of Economics from Atma Jaya University, Jakarta and from Gadjah Mada University, Yogyakarta.

Warga Negara Indonesia. Beliau memulai karirnya pada tahun 1987 di PT Astra International dan memiliki pengalaman yang luas di beberapa perusahaan lain dengan posisi terakhir sebagai Chief of Human Resource and General Affairs pada PT NEC Semiconductors Indonesia. Bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan April 2008 dan menjabat sebagai Direktur sejak bulan Oktober 2009. Beliau memperoleh gelar Sarjana Teknik Pertanian dari Institut Pertanian Bogor, Bogor.

Indonesian citizen. He started his career in 1987 at PT Astra International and had extensive experiences in other companies with last position as Chief of Human Resource and General Affairs at PT NEC Semiconductors Indonesia. Joined PT Bank Sumitomo Mitsui Indonesia in April 2008 and assumes the position as Director since October 2009. He earned Bachelor degree in Agriculture Engineering from Institut Pertanian Bogor, Bogor.

Trie Karjati WibowoDirektur Yang Membawahi Fungsi Kepatuhan

Director Overseeing Compliance Function

Ajar SiswandonoDirektur Director


Profil Pejabat EksekutifExecutive Officers Profile

Yoshihiro OgawaJapanese Marketing Department I

Warga Negara Jepang. Sdr. Ogawa meraih gelar Sarjana Ekonomi dari Universitas Nagoya, Jepang. Beliau memiliki pengalaman di beberapa divisi dan cabang Sumitomo Mitsui Banking Corporation di Jepang sebelum bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan menjabat sebagai Head of Japanese Marketing Department I sejak bulan Februari 2012.

Japanese citizen. Mr. Ogawa obtained his Bachelor Degree in Economics from Nagoya University, Japan. He experienced various divisions and branches in Sumitomo Mitsui Banking Corporation in Japan before joining PT Bank Sumitomo Mitsui Indonesia as Head of Japanese Marketing Department I since February 2012.

Yoshimi KiriyamaJapanese Marketing Department III

Warga Negara Jepang. Sdr. Kiriyama memperoleh gelar Sarjana dari Universitas Kobe, Jepang. Beliau memiliki pengalaman pada beberapa divisi dan cabang Sumitomo Mitsui Banking Corporation yang berada di Jepang sebelum bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan menjabat sebagai Head of Japanese Marketing Department III sejak bulan November 2012.

Japanese citizen. Mr. Kiriyama obtained his Bachelor Degree from Kobe University, Japan. He experiences various divisions and branches in Sumitomo Mitsui Banking Corporation in Japan before joined PT Bank Sumitomo Mitsui Indonesia and appointed as Head of Japanese Marketing Department III since November 2012.

Masahiro MiyajiJapanese Marketing Department II

Warga Negara Jepang. Sdr. Miyaji memperoleh gelar Bachelor of Commerce and Management dari Universitas Hitotsubashi, Jepang. Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan menjabat sebagai Head of Marketing Department II sejak bulan Juli 2013. Sebelumnya, Beliau pernah bekerja pada beberapa divisi dan cabang Sumitomo Mitsui Banking Corporation yang berada di Jepang.

Japanese citizen. Mr. Miyaji earned Bachelor of Commerce and Management from Hitotsubashi University, Japan. He joined PT Bank Sumitomo Mitsui Indonesia and appointed as Head of Japanese Marketing Department II since July 2013. Previously, He worked in various divisions and some branches of Sumitomo Mitsui Banking Corporation in Japan.



Motoo KanazashiJapanese Marketing Department IV

Warga Negara Jepang. Sdr. Kanazashi memperoleh gelar Bachelor of Economics dari Universitas Keio, Jepang dan Master di bidang Business Administration dari University of Rochester, New York, Amerika Serikat. Beliau memiliki pengalaman bekerja di beberapa divisi dan cabang Sumitomo Mitsui Banking Corporation yang berada di Jepang, Hong Kong, dan New York sebelum bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan menjabat sebagai Head of Marketing Department IV sejak bulan Februari 2014.

Japanese citizen. Mr. Kanazashi obtained his Bachelor Degree in Economics from Keio University, Japan and Master of Business Administration from University of Rochester, New York, U.S.A. He has vast experiences in various divisions and branches of Sumitomo Mitsui Banking Corporation in Japan, Hong Kong, and New York before joining PT Bank Sumitomo Mitsui Indonesia and appointed as Head of Japanese Marketing Department IV since February 2014.

Husan MahjudinLoan Department

Warga Negara Indonesia. Sdr. Husan memperoleh gelar Sarjana Teknik dari Universitas Trisakti, Jakarta. Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia sejak September 1993 (dulunya bernama PT Bank Sumitomo Niaga) dengan memiliki berbagai pengalaman kerja di beberapa departemen dengan jabatan terakhir sebagai Head of Marketing Department V sebelum ditunjuk sebagai Head of Loan Department sejak bulan September 2012.

Indonesian citizen. Mr. Husan earned Bachelor degree in Engineering from Trisakti University, Jakarta. He joined PT Bank Sumitomo Mitsui Indonesia in September 1993 (formerly PT Bank Sumitomo Niaga) and held various experience in several departments with last assignment as Head of Marketing Department V before appointed as Head of Loan Department since September 2012.

Nathan ChristiantoNon Japanese Marketing Department

Warga Negara Indonesia. Sdr. Nathan memperoleh gelar teknik sipil dari Institut Teknologi Bandung, Bandung, Master di bidang International Business and Finance dari Universitas Groningen, Belanda, dan Master di bidang teknik sipil dari Universitas Tokyo, Jepang. Beliau pernah bekerja pada beberapa divisi di PT Bank DBS Indonesia, Jakarta sebelum bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan menjabat sebagai Head of Non Japanese Marketing Department sejak bulan Februari 2014.

Indonesian citizen. Mr. Nathan earned Bachelor of Civil Engineering from Institut Teknologi Bandung, Bandung, Master in International Business and Finance from University of Groningen, Netherland, and Master in Civil Engineering from University of Tokyo, Japan. He worked in various divisions of PT Bank DBS Indonesia, Jakarta before joining PT Bank Sumitomo Mitsui Indonesia and appointed as Head of Non Japanese Marketing Department since February 2014.



Katsuhiko HayashiTreasury Department

Warga Negara Jepang. Sdr. Hayashi memperoleh gelar Bachelor of Administration in Commerce dari Universitas Waseda, Jepang. Beliau memiliki pengalaman bekerja di beberapa anak perusahaan Sumitomo Mitsui Banking Corporation termasuk di Los Angeles dan Australia serta kantor cabang di Sydney, Australia sebelum akhirnya bergabung dengan PT Bank Sumitomo Mitsui Indonesia sebagai Head of Treasury Department sejak bulan Juni 2011.

Japanese citizen. Mr. Hayashi obtained his Bachelor Degree in Administration in Commerce from Waseda University, Japan. He has vast experiences in Sumitomo Mitsui Banking Corporation subsidiaries such as in Los Angeles and Australia as well as branches in Sydney, Australia before joining PT Bank Sumitomo Mitsui Indonesia as Head of Treasury Department since June 2011.

Nur AriniLegal Department

Warga Negara Indonesia. Sdri. Arini memperoleh gelar Sarjana Hukum dari Universitas Indonesia, Jakarta. Beliau memulai karirnya di PT. Diners Jaya International dan PT. Bank Bumiputera sebelum bergabung dengan PT Bank Sumitomo Mitsui Indonesia (dulunya bernama PT Bank Sumitomo Niaga) pada September 1994 dan ditunjuk sebagai Head of Legal Department sejak bulan April 1999.

Indonesian citizen. Ms. Arini obtained her Bachelor Degree in Law from University of Indonesia, Jakarta. She started her career at PT. Diners Jaya International and PT. Bank Bumiputera before joining PT Bank Sumitomo Mitsui Indonesia (formerly named PT Bank Sumitomo Niaga) in September 1994 and appointed as Head of Legal Department since April 1999.

Satoshi OkuboTreasury Marketing Department

Warga Negara Jepang. Sdr. Okubo memperoleh gelar Bachelor of Engineering dan Master of Physic dari Universitas Osaka, Jepang. Beliau memiliki pengalaman bekerja di beberapa divisi dan cabang Sumitomo Mitsui Banking Corporation yang berada di Jepang sebelum akhirnya Bergabung dengan PT Bank Sumitomo Mitsui Indonesia sebagai Head of Treasury Marketing Department sejak bulan Juli 2010.

Japanese citizen. Mr. Okubo obtained his Bachelor Degree in Engineering and Master Degree in Physic from Osaka University, Japan. He has various experiences in several divisions and branches of Sumitomo Mitsui Banking Corporation in Japan before joining PT Bank Sumitomo Mitsui Indonesia as Head of Treasury Marketing Department since July 2010.



VacantPlanning Department

Posisi lowong sejak 22 November 2013.

Vacant since 22 November 2013.

SarliansyahLoan Administration Department

Warga Negara Indonesia. Sdr. Sarliansyah memperoleh gelar Sarjana Ekonomi dari STIE Perbanas, Jakarta. Beliau memulai karirnya pada PT Bank UFJ Indonesia pada tahun 2002 dan pada tahun 2006, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan ditunjuk sebagai Head of Loan Administration Department sejak bulan April 2011.

Indonesian citizen. Mr. Sarliansyah obtained his Bachelor degree in Economics from STIE Perbanas, Jakarta. He started his career at PT Bank UFJ Indonesia in 2002 and in June 2006, He joined PT Bank Sumitomo Mitsui Indonesia and appointed as Head of Loan Administration Department since April 2011.

Yvonne Syofyan Human Resources Department

Warga Negara Indonesia. Sdri. Yvonne memperoleh gelar sarjana teknik industri dari Universitas Trisakti, Jakarta, Master di bidang Computer Information System dari Universitas Golden Gate, San Fransisco, Amerika Serikat, dan Sertifikat Marketing dari UC Berkeley Extension, San Fransisco, Amerika Serikat. Beliau memiliki pengalaman yang luas diantaranya bekerja di PT Synovate, Mercer HR Consulting, GE Money Indonesia, dan PT Bank Permata sebelum bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan ditunjuk sebagai Head of Human Resources sejak bulan Januari 2014.

Indonesian citizen. Ms. Yvonne earned Bachelor of Science in Industrial Engineering from Trisakti University, Jakarta, Master of Science in Computer Information System from Golden Gate University, San Fransisco, U.S.A., and Certificate in Marketing from UC Berkeley Extension, San Fransisco, U.S.A. She has various experiences such as working experiences in PT Synovate, Mercer HR Consulting, GE Money Indonesia, and PT Bank Permata before joining PT Bank Sumitomo Mitsui Indonesia and appointed as Head of Human Resources since January 2014.



Deni DjalilRisk Management Department

Warga Negara Indonesia. Sdr. Deni memperoleh gelar Sarjana Pertanian dari Institut Pertanian Bogor, Bogor, dan Magister Manajemen dari Universitas Indonesia, Jakarta. Beliau memulai karirnya pada Bank Bukopin dan memiliki pengalaman luas di bidangnya dengan jabatan terakhir sebagai Treasury Manager. Pada bulan Mei 2009, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan sejak bulan Desember 2010 ditunjuk sebagai Head of Risk Management Department.

Indonesian citizen. Mr. Deni obtained Bachelor degree in Agribusiness from Institut Pertanian Bogor, Bogor, and Master Degree in Management from University of Indonesia, Jakarta. He started his career at Bank Bukopin and has various experiences with his last position as Treasury Manager. In May 2009, He joined PT Bank Sumitomo Mitsui Indonesia and since December 2010 was appointed as Head of Risk Management Department.

Lie ChenAccounting Department

Warga Negara Indonesia. Sdri. Lie Chen memperoleh gelar Sarjana Ekonomi jurusan Akuntansi dari Universitas Atma Jaya, Jakarta. Beliau memiliki pengalaman yang luas diantaranya bekerja di Kantor Akuntan Publik Prasetio Utomo & Co., PT. Bank Sanwa Indonesia, dan PT. Bank UFJ Indonesia. Pada bulan April 2006, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan sejak bulan April 2007 ditunjuk sebagai Head of Accounting Department

Indonesian citizen. Ms. Lie Chen obtained her Bachelor Degree in Economics majoring in Accounting from Atma Jaya University, Jakarta. She has various experiences such as working experiences in Public Accountant Prasetio Utomo & Co., PT Bank Sanwa Indonesia, and PT Bank UFJ Indonesia. In April 2006, She joined PT Bank Sumitomo Mitsui Indonesia and since April 2007, She was appointed as Head of Accounting Department.

Indra PasosongGeneral Affairs Department

Warga Negara Indonesia. Sdr. Indra meraih gelar Sarjana Teknik Industri dari Universitas Jayabaya, Jakarta, dan Master di bidang Business Administration dari Universitas Indonesia, Jakarta. Beliau memiliki pengalaman yang luas di beberapa perusahaan lain dengan jabatan terakhir sebagai General Affairs Manager pada PT. Sharp Electronics Indonesia. Pada bulan Maret 2010, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan sejak bulan April 2010 ditunjuk sebagai Head of General Affairs Department.

Indonesian citizen. Mr. Indra obtained his bachelor degree in Industrial Technology from Jayabaya University, Jakarta, and Master Degree in Business Administration from University of Indonesia, Jakarta. He has wide experiences in various companies with latest position as General Affairs Manager at PT. Sharp Electronics Indonesia. In March 2010, He joined PT Bank Sumitomo Mitsui Indonesia and since April 2010, He was appointed as Head of General Affairs Department.



Gilar WidyoratmokoBusiness Administration and Planning Department

Warga Negara Indonesia. Sdr. Gilar meraih gelar Bachelor of Business Administration dari California State University, California San Bernardino, Amerika Serikat, dan Magister Manajemen dari Universitas Gadjah Mada, Yogyakarta. Beliau memulai karirnya di PT. Bank Danamon, ABN AMRO Bank, dan di PT. Bank Commonwealth Indonesia dengan jabatan terakhir sebagai Project Manager/Coordinator. Pada bulan April 2008, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia sebagai Head of Business Administration and Planning Department.

Indonesian citizen. Mr. Gilar obtained his Bachelor of Business Administration from California State University, California San Bernardino, U.S.A., and Magister Management degree from Gadjah Mada University, Yogyakarta. He started his career in PT. Bank Danamon, ABN AMRO Bank, and PT. Bank Commonwealth with latest position as Project Manager/Coordinator. In April 2008, He joined PT Bank Sumitomo Mitsui Indonesia as Head of Business Administration and Planning Department.

Deta SarasworoCash and Deposit Services Department

Warga Negara Indonesia. Sdri. Deta memperoleh gelar sarjana sastra Jepang dari Universitas Indonesia, Jakarta. Beliau memulai karirnya di The Japan Foundation. Pada September 1994, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia (dulunya bernama PT Bank Sumitomo Niaga) dan ditunjuk sebagai Head of Cash and Deposit Services Department sejak bulan Januari 2014.

Indonesian citizen. Ms. Deta earned Bachelor degree in Japanese Language from University of Indonesia, Jakarta. She started her career in The Japan Foundation. In September 1994, She joined PT Bank Sumitomo Mitsui Indonesia (formerly named PT Bank Sumitomo Niaga) and appointed as Head of Cash and Deposit Services Department since January 2014.

Buyung BachtiarCash Management Services Department

Warga Negara Indonesia. Sdr. Buyung memperoleh gelar Sarjana Komputer di bidang Teknik Informatika dari Universitas Bina Nusantara, Jakarta. Beliau memulai karirnya di PT. National Gobel di tahun 1999. Pada bulan Juni 2000, Beliau bergabung dengan PT Bank Sumitomo Indonesia dan ditunjuk sebagai Head of Cash Management Services Department sejak bulan Februari 2006.

Indonesian citizen. Mr. Buyung obtained his Bachelor degree in Information Technology from Bina Nusantara University, Jakarta. He started his career at PT. National Gobel in 1999. In June 2000, He joined PT Bank Sumitomo Indonesia and was appointed as Head of Cash Management Services Department since February 2006.



Iman TrionoInformation Technology Department

Warga Negara Indonesia. Sdr. Iman memperoleh gelar Master di bidang Computer Science dari Universitas Gunma, Jepang. Beliau memulai karirnya di With Company, Fuji System dan Framework. Beliau bergabung di PT Bank Sumitomo Mitsui Indonesia pada bulan April 2005, dan sejak bulan Oktober 2011 menjabat sebagai Head of Information Technology Department.

Indonesian citizen. Mr. Iman obtained his Master degree in Computer Science from Gunma University, Japan.He started his career in With Company, Fuji System and Framework. He joined PT Bank Sumitomo Mitsui Indonesia in April 2005 and since October 2011, He was appointed as Head of Information Technology Department.

Marcia SahusilawaneSettlement Services Department II

Warga Negara Indonesia. Sdri. Marcia memperoleh gelar Sarjana Akuntansi dari Universitas Advent Indonesia, Bandung. Beliau telah memiliki pengalaman di beberapa perusahaan lain seperti PT AJ Sequis Life dan High Scope Indonesia School sebelum bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan Juni 2004 dan ditunjuk sebagai Head of Settlement Services Department II sejak bulan Juli 2013.

Indonesian citizen. Ms. Marcia obtained her Bachelor of Accounting from Indonesian Adventist University, Bandung. She had experiences in other companies such as PT AJ Sequis Life and High Scope Indonesia School before joining PT Bank Sumitomo Mitsui Indonesia in June 2004 and appointed as Head of Settlement Services Department II since July 2013.

RGF Ira DullimesiaraSettlement Services Department I

Warga Negara Indonesia. Sdri. Ira memperoleh gelar Sarjana di bidang Manajemen Keuangan dari Sekolah Tinggi Ilmu Manajemen, Jakarta. Beliau bergabung dengan PT Bank Sumitomo Indonesia (dulunya bernama PT Bank Sumitomo Niaga) pada bulan Juli 1994 dan pernah ditempatkan di beberapa departemen di PT Bank Sumitomo Mitsui Indonesia. Sejak bulan Mei 2010, Beliau ditunjuk sebagai Head of Settlement Services Department I.

Indonesian citizen. Ms. Ira obtained her Bachelor degree in Financial Management from Sekolah Tinggi Ilmu Manajemen, Jakarta. She joined PT Bank Sumitomo Mitsui Indonesia (formerly named PT Bank Sumitomo Niaga) in July 1994 and was positioned in several departments. Since May 2010, She was appointed as Head of Settlement Services Department I.



Elis SulistiawatiTreasury Operation Department

Warga Negara Indonesia. Sdri. Elis meraih gelar Diploma FISIP dari Universitas Indonesia, Jakarta. Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia pada bulan Oktober 1995 (dulunya bernama PT Bank Sumitomo Niaga) dan mempunyai pengalaman di beberapa departemen di PT Bank Sumitomo Mitsui Indonesia dengan jabatan terakhir sebagai Head of Settlement Services Department I sebelum akhirnya ditunjuk sebagai Head of Treasury Operation Department sejak bulan Februari 2010.

Indonesian citizen. Ms. Elis obtained her Diploma degree in Social and Politics Science from University of Indonesia, Jakarta. She joined PT Bank Sumitomo Mitsui Indonesia in October 1995 (formerly named PT Bank Sumitomo Niaga) and experienced in various departments in PT Bank Sumitomo Mitsui Indonesia with last position as Head of Settlement Services Department I before appointed as Head of Treasury Operation Department since February 2010.

VacantTrade Finance Marketing Department

Posisi lowong sejak 4 Oct 2013.

Vacant since 4 Oct 2013.

Hari Suci YuliastutiCompliance Department

Warga Negara Indonesia. Sdri. Yuli meraih gelar Sarjana Hukum dari Universitas Gadjah Mada, Yogyakarta. Beliau memiliki pengalaman yang luas di beberapa perusahaan lain dengan jabatan terakhir sebagai Compliance Manager pada PT. Bank Woori Indonesia. Pada bulan Maret 2007, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan sejak bulan Maret 2008 ditunjuk sebagai Head of Compliance Department.

Indonesian citizen. Ms. Yuli obtained her Bachelor Degree in Law from Gadjah Mada University, Yogyakarta. She has broad experiences in various companies with last position as Compliance Manager at PT. Bank Woori Indonesia. In March 2007, she joined PT Bank Sumitomo Mitsui Indonesia and since March 2008 She was appointed as Head of Compliance Department.


Profil Pejabat EksekutifExecutive Officers ProfileSyaefullahTrade Finance Operation Department

Warga Negara Indonesia. Sdr. Syaefullah memperoleh gelar Sarjana Pertanian dari Institut Pertanian Bogor, Bogor. Beliau memiliki pengalaman yang luas pada beberapa perusahaan terkemuka, diantaranya bekerja di Institut Pertanian Bogor, Carrefour Indonesia, Bank Permata dan Bank Maybank Indocorp. Selain itu, beliau telah tersertifikasi oleh badan Internasional (ICC/Int’l Chambers of Commerce) untuk spesialis L/C (CDCS). Pada tahun 2010, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan sejak Oktober 2011 ditunjuk sebagai Head of Trade Finance Operation Department.

Indonesian citizen. Mr. Syaefullah obtained his Bachelor Degree in Agriculture from Institute Pertanian Bogor, Bogor. He has extensive working experiences in several reputable institutions such as at Institute Pertanian Bogor, Carrefour Indonesia, Permata Bank and Bank Maybank Indocorp. Also, He is already certified by International Institution (ICC/Int’L Chambers of Commerce) for Documentary Credit Specialist (CDCS). In year 2010, He Joined PT Bank Sumitomo Mitsui Indonesia and since October 2011 was appointed as Head of Trade Finance Operation Department.

VacantMarketing Middle Department

Posisi lowong sejak 2 Feb 2014

Vacant since 2 February 2014

Sarah DarmawanProject Finance Department

Warga Negara Indonesia. Sdri. Sarah memperoleh gelar sarjana ekonomi di bidang manajemen dari Universitas Trisakti, Jakarta, dan Master in Management – jurusan keuangan dari Universitas Indonesia, Jakarta. Beliau memiliki pengalaman yang luas diantaranya meliputi bekerja di Prijohandojo, Boentoro & co, Universitas Atmajaya, dan KPMG PT Siddharta Consulting. Pada Januari 2013, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan ditunjuk sebagai Head of Project Finance Department sejak Mei 2013.

Indonesian citizen. Ms. Sarah obtained her Bachelor Degree in Economics majoring in management from Trisakti University, Jakarta, and Master in Management majoring in Finance from University of Indonesia, Jakarta. She has vast experiences such as working at Prijohandojo, Boentoro & co, Atmajaya University, and KPMG PT Siddharta Consulting. In January 2013, She joined PT Bank Sumitomo Mitsui Indonesia and was appointed as Head of Project Finance Department since May 2013.

Aster ViridianInternal Audit Department

Warga Negara Indonesia. Sdri. Aster memperoleh gelar Sarjana Hukum dari Universitas Sebelas Maret, Surakarta. Pengalaman kerja beliau meliputi bekerja di PT. Bank Bukopin, Tbk dan PT. Bank Mega, Tbk. Pada Agustus 2006, Beliau bergabung dengan PT Bank Sumitomo Mitsui Indonesia dan ditunjuk sebagai Head of Internal Audit Department sejak April 2007.

Indonesian citizen. Ms. Aster obtained her Bachelor Degree in Law from University of Sebelas Maret, Surakarta. Her previous working experiences include working in PT Bank Bukopin, Tbk and PT Bank Mega, Tbk. In August 2006, She joined PT Bank Sumitomo Mitsui Indonesia and was appointed as Head of Internal Audit Department since April 2007.


Profil Anggota KomiteMembers of Committee Profile

Komite Audit/ Audit Committee

Ninik Herlani Masti RidhwanKetua Komite Audit

Chairman of Audit Committee

Jenly HendrawanAnggota Komite Audit

Audit Committee Member

Constance J. RehattaAnggota Komite Audit

Audit Committee Member

Warga Negara Indonesia. Beliau meraih gelar Master di bidang Keuangan dari Universitas Indonesia. Beliau memulai karirnya pada tahun 1981 di Kantor Akuntan Publik Utomo (SGV-Utomo). Kemudian pada tahun 1985, Beliau bergabung di PT Bank Central Asia Tbk dengan jabatan terakhir Kepala Pengendalian Mutu dan Pengembangan Audit pada tahun 2012. Sejak bulan Februari 2013, Beliau ditunjuk sebagai Komisaris Independen dan menjadi Ketua Komite Audit di PT Bank Sumitomo Mitsui Indonesia.

Indonesian citizen. She obtained Master Degree in Finance from University of Indonesia. She started her career in 1981 at Utomo Public Accountant Office (SGV-Utomo). In year 1985, she joined PT Bank Central Asia Tbk with the latest position as Head of Audit Development and Quality Control in year 2012. Since February 2013, She was appointed as Independent Commissioner and Chairman of Audit Committee at PT Bank Sumitomo Mitsui Indonesia.

Warga Negara Indonesia. Beliau meraih gelar Sarjana Ekonomi di bidang Akuntansi dari Universitas Padjadjaran, Bandung. Beliau memulai karirnya pada tahun 1986 di Arthur Andersen – Prasetio, Utomo & Co., dimana sejak tahun 1994 telah diangkat sebagai Senior Manager. Kemudian menjadi Partner di Kosasih, Nurdiyaman, Tjahjo & Rekan - Member Firm of Crowe Horwarth International sejak tahun 2005. Sejak tahun 2007, Beliau bergabung sebagai anggota dari Komite Audit di PT Bank Sumitomo Mitsui Indonesia.

Indonesian citizen. He obtained Bachelor Degree in Economics majoring in Accounting from Universitas Padjadjaran, Bandung. He started his career in 1986 at Arthur Andersen – Prasetyo, Utomo & Co., whereas since year 1994 He was promoted as Senior Manager. In 2005, he escalates his journey as Partner in Kosasih, Nurdiyaman, Tjahjo & Partner – Member Firm of Crowe Horwarth International. In year 2007, He joined PT Bank Sumitomo Mitsui Indonesia as member of Audit Committee.

Warga Negara Indonesia. Beliau menyelesaikan program pendidikan LPK di “Widya Mandala” di Surabaya. Beliau memulai karirnya pada tahun 1972 sampai dengan tahun 1989 di Bank of America dengan jabatan terakhir sebagai Personnel Manager. Kemudian Beliau bergabung dengan PT Bank Sumitomo Niaga sampai dengan tahun 1997. Pada tahun 2000-2001 Beliau diangkat sebagai Direktur Kepatuhan di PT Bank Sumitomo Indonesia. Selanjutnya, Beliau menjabat sebagai Assistant to President Director di PT Bank Sumitomo Mitsui Indonesia sampai dengan tahun 2006. Mulai tahun 2007, Beliau ditunjuk sebagai anggota Komite Audit.

Indonesian citizen. She completed her study at LPK program from Widya Mandala, Surabaya. She started her career in 1972 at Bank of America with latest position as Personnel Manager in 1989. Later, She joined PT Bank Sumitomo Niaga until year 1997. She was appointed as Compliance Director of Bank Sumitomo Indonesia in year 2000-2001. Then, She held position as Assistant to President Director in PT Bank Sumitomo Mitsui Indonesia until year 2006. Starting year 2007, She was appointed as member of Audit Committee.



Komite Remunerasi & Nominasi/ Remuneration & Nomination Committee

R.A.G. Bramono DwiedjantoKetua Komite Remunerasi &

NominasiChairman of Remuneration and

Nomination Committee

Airo ShibuyaAnggota Komite

Remunerasi & NominasiRemuneration & Nomination

Committee Member

Warga Negara Indonesia. Beliau memperoleh gelar Sarjana Ekonomi dari Universitas Diponegoro, Semarang dan gelar Master of Business Administration di bidang Keuangan dari The Carlson School of Management, University of Minnesota, USA. Beliau memulai karirnya sebagai analis kredit di PT. Bank Negara Indonesia pada tahun 1979, kemudian menduduki berbagai posisi sampai dengan jabatan terakhir sebagai General Manager cabang Hongkong dari tahun 2005-2008. Sedangkan tahun 2009 -2010, Beliau menjabat sebagai Direktur Eksekutif di PERBANAS (Perhimpunan Perbankan Nasional). Pada tahun 2001 -2005, Beliau diangkat sebagai Komisaris Independen PT Bank Sumitomo Mitsui Indonesia. Kemudian mulai bulan Juni 2009, Beliau diangkat kembali sebagai Komisaris Independen (sekaligus sebagai Ketua Komite Pemantau Risiko). Pada tahun 2011, Beliau juga ditunjuk sebagai Ketua Komite Audit sekaligus Ketua Komite Remunerasi dan Nominasi (namun tidak lagi menjadi Ketua Komite Pemantau Risiko). Pada Tahun 2013, Beliau diangkat kembali menjadi Ketua Komite Pemantau Risiko dan tetap menjadi Ketua Komite Remunerasi dan Nominasi. Indonesian citizen. He obtained his Bachelor Degree in Economics from Universitas Diponegoro, Semarang and Master Degree in Business Administration in Finance from The Carlson School of Management, University of Minnesota, USA. He started his career at PT Bank Negara Indonesia as Loan Analyst in 1979 and He was positioned as General Manager in its Hongkong Branch in the 2005-2008. While in 2009-2010, He held position as Executive Director of PERBANAS (National Banking Association). During year 2001-2005, He was appointed as Independent Commissioner of PT Bank Sumitomo Mitsui Indonesia. Later, started on June 2009, He was reappointed as Independent Commissioner (as well as Chairman of Risk Monitoring Committee). Since year 2011, He was also appointed as Chairman of Audit Committee and Chairman of Remuneration and Nomination Committee (yet put off his position as Chairman of Risk Monitoring Committee). Starting in year 2013, He was reappointed as the Chairman of Risk Monitoring Committee and continues to hold his position as Chairman of Remuneration and Nomination Committee.

Warga Negara Jepang. Beliau meraih gelar Bachelor of Science dari Universitas Kyoto, Jepang. Beliau memulai karirnya pada tahun 1987 di The Sumitomo Bank Ltd, Cabang Higashioosaka, Jepang. Sejak bulan Oktober 2013 , Beliau ditunjuk sebagai Wakil Komisaris Utama dan menjadi anggota Komite Remunerasi dan Nominasi di PT Bank Sumitomo Mitsui Indonesia. Beliau juga memegang jabatan sebagai General Manager of Emerging Markets Business Division, Sumitomo Mitsui Banking Corporation, yang berkedudukan di Singapura. Japanese citizen. He obtained Bachelor Degree in Science from Kyoto University, Japan. He started his career in 1987 at The Sumitomo Bank Ltd, Higashioosaka Branch, Japan. Since October 2013, He was appointed as Vice President Commissioner and member of Remuneration and Nomination Committee at PT Bank Sumitomo Mitsui Indonesia. He also holds position as General Manager of Emerging Markets Business Division, Sumitomo Mitsui Banking Corporation, based in Singapore.



Vacant/Posisi LowongAnggota Komite

Remunerasi & NominasiRemuneration & Nomination

Committee Member

Komite Pemantau Risiko/ Risk Monitoring Committe

R.A.G. Bramono DwiedjantoKetua Komite Pemantau Risiko

Chairman of Risk Monitoring Committee

Warga Negara Indonesia. Beliau memperoleh gelar Sarjana Ekonomi dari Universitas Diponegoro, Semarang dan gelar Master of Business Administration di bidang Keuangan dari The Carlson School of Management, University of Minnesota, USA. Beliau memulai karirnya sebagai analis kredit di PT. Bank Negara Indonesia pada tahun 1979, kemudian menduduki berbagai posisi sampai dengan jabatan terakhir sebagai General Manager cabang Hongkong dari tahun 2005-2008. Sedangkan tahun 2009-2010, Beliau menjabat sebagai Direktur Eksekutif di PERBANAS (Perhimpunan Perbankan Nasional). Pada tahun 2001-2005, Beliau diangkat sebagai Komisaris Independen PT Bank Sumitomo Mitsui Indonesia. Kemudian mulai bulan Juni 2009, Beliau diangkat kembali sebagai Komisaris Independen (sekaligus sebagai Ketua Komite Pemantau Risiko). Pada tahun 2011, beliau juga ditunjuk sebagai Ketua Komite Audit sekaligus Ketua Komite Remunerasi dan Nominasi (namun tidak lagi menjadi Ketua Komite Pemantau Risiko). Pada tahun 2013, Beliau diangkat kembali menjadi Ketua Komite Pemantau Risiko dan tetap menjadi Ketua Komite Remunerasi dan Nominasi. Indonesian citizen. He obtained his Bachelor Degree in Economics from Universitas Diponegoro, Semarang and Master Degree in Business Administration in Finance from The Carlson School of Management, University of Minnesota, USA. He started his career at PT Bank Negara Indonesia as Loan Analyst in 1979 and He was positioned as General Manager in its Hongkong Branch in the 2005-2008. While in 2009-2010, He held position as Executive Director of PERBANAS (National Banking Association). During year 2001-2005, He was appointed as Independent Commissioner of PT Bank Sumitomo Mitsui Indonesia. Later, started on June 2009, He was reappointed as Independent Commissioner (as well as Chairman of Risk Monitoring Committee). Since year 2011, He was also appointed as Chairman of Audit Committee and Chairman of Remuneration and Nomination Committee (yet put off his position as Chairman of Risk Monitoring Committee). Starting in year 2013, He was reappointed as the Chairman of Risk Monitoring Committee and continues to hold his position as Chairman of Remuneration and Nomination Committee.



Sofyan RambeyAnggota Komite Pemantau Risiko

Risk Monitoring Committee Member

Tri HariniAnggota Komite Pemantau RisikoRisk Monitoring

Committee Member

Warga Negara Indonesia. Bergabung sebagai Komite Pemantau Risiko di PT Bank Sumitomo Mitsui Indonesia sejak 2007. Beliau memulai karirnya di PT Bank Exim sebagai Account Officer tahun 1984 lalu sebagai General Manager, anggota Komisaris pada PT Exim Securities dan Group Head pada PT Bank Mandiri. Beliau juga menjabat sebagai Direktur Regional GARP (2005), Wakil Kepala IRPA (2006) dan CEO & President Direktur di sekolah Bisnis dan Keuangan sejak tahun 2007-sekarang. Beliau memperoleh gelar MBA di bidang Finance and International Banking dari John. M. Olin University, St. Louis, USA. Indonesian citizen. Joined as member of Risk Monitoring Committee at PT Bank Sumitomo Mitsui Indonesia since 2007. He started his career in PT Bank Exim in 1984 as Account Officer then General Manager, Board of Commissioners in PT Exim Securities and Group head at PT Bank Mandiri. He also become Regional Director for GARP (2005), Vice Chairman in IRPA (2006) and CEO & President Director for school of Banking and Finance from 2007 - now. He achieved MBA in Finance and International Banking from John. M. Olin University, St. Louis, USA.

Warga Negara Indonesia. Ditunjuk sebagai anggota Komite Pemantau Risiko sejak 2013. Beliau memulai karirnya di Bank of America dari tahun 1976 sampai 1991. Beliau bergabung dengan PT Bank Sumitomo Niaga pada bulan November 1991 dan menjabat sebagai Direktur di PT Bank Sumitomo Mitsui Indonesia sejak tahun 2008-2012. Sebelumnya, Beliau ditugaskan sebagai Kepala di berbagai departemen, seperti General Affairs Department, Domestic Banking Department, International Banking Department, Money Transfer Department, Custodian Department, serta Senior Vice President dan Supervisor pada Human Resource Department. Beliau lulus dari Akademi Bahasa Asing Artha Bakti Magelang.

Indonesian citizen. Appointed as the member of Risk Monitoring Committee since 2013. She started Her career at Bank of America since 1976-1991. She joined PT Bank Sumitomo Niaga in November 1991 and appointed as Director of PT Bank Sumitomo Mitsui Indonesia since 2008-2012. Previously, She was assigned as Head in various departments, such as General Affairs Department, Domestic Banking Department, International Banking Department, Money Transfer Department, Custodian Department as well as position Senior Vice President and Supervisor in Human Resources Department. She graduated from Academy of Foreign Language Artha Bakti Magelang.


Produk dan JasaProducts and Services

Jenis produk dan jasa yang ditawarkan Bank adalah:

1. Deposito

a. Rekening Giro

1. Rekening Giro Rupiah• Bank memberikan bunga untuk rata-rata saldo minimal Rp. 7.500.000 per bulan dan dikenakan pajak sesuai

dengan peraturan yang berlaku.• Tidak ada biaya untuk penyetoran dan penarikan melalui teller.• Penyetoran kliring cek dan giro bank lain melalui teller

akan dikenakan biaya • Penyetoran dan penarikan dana dapat dilakukan setiap

saat selama jam kerja dengan cek/bilyet giro.• Tidak ada setoran awal.• Tidak ada saldo minimum.• Tidak ada biaya penutupan rekening.

2. Rekening Giro Valuta Asing• Bank memberikan bunga untuk rata-rata saldo minimal

USD 1.000 per bulan dan dikenakan pajak sesuai dengan peraturan yang berlaku, untuk rekening giro dalam mata uang USD.

• Mata uang berupa USD dan JPY.

• Penyetoran dan penarikan dana dapat dilakukan setiap saat selama jam kerja dengan slip penyetoran dan penarikan.

• Tidak ada setoran awal.

• Tidak ada saldo minimum.

• Tidak ada biaya penutupan rekening.

b. Deposito Berjangka

1. Deposito Berjangka Rupiah

2. Deposito berjangka Valuta Asing (USD dan JPY)

Types of products and services offered by the Bank is as follows:

1. Deposit

a. Current Account

1. Rupiah Current Account• The Bank gives interest for minimum average balance Rp. 7,500,000 per month and subject to final tax as regulated by prevailing regulation.• No charges for deposit and withdrawal over the counter.

• There will be charges for transaction deposit clearing cheque over the counter. • Deposit and withdrawal of fund can be conducted every time during office hour using cheque/giro.• No initial deposit.• No minimum balance.• No charges for closing account.

2. Foreign Currency Current Account• The Bank gives interest for minimum average balance USD 1,000 per month and subject to final tax as regulated by prevailing regulation, for USD current account.

• Foreign currencies are USD and JPY.

• Deposit and withdrawal of fund can be conducted every time during office hour using deposit and withdrawal slip.

• No initial deposit.

• No minimum balance.

• No charges for closing account.

b. Time Deposit

1. Rupiah Time Deposit

2. Foreign Currency Time Deposit (USD and JPY)



2. Pinjaman

Bank menyediakan fasilitas pinjaman dalam bentuk mata uang IDR, USD dan JPY untuk nasabah korporasi sebagai berikut:a. Pinjaman Modal Kerja

Pinjaman untuk keperluan modal kerja perusahaan yang berupa fasilitas pinjaman jangka pendek, pinjaman terkait ekspor impor dan cerukan.

b. Pinjaman InvestasiPinjaman untuk keperluan investasi yang berupa pinjaman jangka menengah dan jangka panjang.

3. Garansi Bank

Untuk jaminan pembayaran dan/atau kepastian pelaksanaan kontrak kegiatan usaha, Bank menyediakan fasilitas garansi bank, berupa Custom Bond, Bid Bond, Performance Bond, Advanced Payment Bond, Warranty Bond, Refund Bond, Payment Bond, Maintenance Bond, dan Retention Bond.

4. Trade Finance dan Trade Services

Bank menyediakan fasilitas Trade Finance untuk memfasilitasi aktivitas perdagangan nasabah, baik perdagangan domestik maupun internasional, yang meliputi:a. Trade Finance

• Post Import Loan (Trust Receipt Loan)• Export Bills Negotiation/Discounting• Pembelian Piutang

b. Trade Services• Penerbitan L/C Impor atau Domestik berikut perubahannya• Penerusan L/C Ekspor atau Domestik berikut perubahannya• Transfer L/C Ekspor• Documentary Collection• Clean Collection (Cheque Collection)

2. Loan

The Bank provides loan facilities in IDR, USD and JPY currencies for corporate customers as follows:

a. Working Capital LoanLoan for working capital purposes such as short-term loan, export-import related loan, and overdraft facilities.

b. Investment LoanLoan for investment purposes such as medium-term loan and long-term loan.

3. Bank Guarantee

For payment guarantee and/or assurance on implementation of business activity contracts, the Bank provides bank guarantee facilities, such as Custom Bond, Bid Bond, Performance Bond, Advanced Payment Bond, Warranty Bond, Refund Bond, Payment Bond, Maintenance Bond, and Retention Bond.

4. Trade Finance and Trade Services

The Bank provides trade finance facility to facilitate customer’s trade activities, either domestic or international trade, which includes:

a. Trade Finance• Post Import Loan (Trust Receipt Loan)• Export Bills Negotiation/Discounting• Account Receivable Purchase

b. Trade Services• Issuing Import or Domestic L/C and its amendment• Advising Export or Domestic L/C and its amendment • Transferring Export L/C• Documentary Collection• Clean Collection (Cheque Collection)



5. Pengiriman Uang

a. Pengiriman Uang Dalam Valuta RupiahPengiriman uang dalam valuta rupiah melalui Sistem Kliring Nasional (SKN) dan Sistem Real Time Gross Settlement (RTGS).

b. Pengiriman Uang Dalam Valuta Asing (Valas)Pengiriman uang dalam valuta asing ke bank di Indonesia maupun di negara lain melalui SWIFT.

c. Penerimaan Uang Masuk Pembayaran kepada penerima transfer yang dilakukan melalui:1. Internal transfer (pemindahbukuan non cash).2. Sistem Kliring Nasional (SKN) dan Real Time Gross

Settlement (RTGS) – dalam valuta rupiah.3. SWIFT – dalam valuta asing yang dikelola oleh Bank.

Pengkreditan ke rekening di Bank tidak dikenakan biaya.

d. Pembayaran Pajak Bank menerima pembayaran pajak impor dan non-impor.

6. Jasa Cash Management

a. Jasa Internet Banking – SMAR&TS (Sumitomo Mitsui Advanced Report & Transfer Services)Bank menyediakan jasa internet banking dengan tingkat keamanan yang tinggi dan fitur yang sangat lengkap. Jasa-jasa ini meliputi:• SMAR&TS Bank Report• SMAR&TS Fund Transfer• SMAR&TS Payroll• SMAR&TS Trade• IMAGINE (Integrated Mapping Engine)/ Interface System• SMAR&TS E-Tax: pajak non-impor• E-Advice: pemberitahuan melalui surel mengenai aktivitas rekening

b. Jasa Cash Management LainnyaBank juga menyediakan jasa Cash Management lainnya untuk mengakomodasi kebutuhan nasabah yang spesifik. Jasa tersebut meliputi:

5. Remittances

a. Domestic RemittanceRemittance in rupiah currency through National Clearing System (SKN) and Real Time Gross Settlement (RTGS).

b. Foreign RemittanceRemittance in foreign currencies to a bank in Indonesia as well as in other countries through SWIFT.

c. Incoming RemittancePayment to Beneficiary through:

1. Internal transfer (non cash overbooking).2. National Clearing System (SKN) and Real Time Gross

Settlement (RTGS) – in rupiah currency.3. SWIFT - in foreign currencies maintained by the Bank.

Credit to current account in Bank without any charges.

d. Tax PaymentBank receives payment of import and non- import tax.

6. Cash Management Services

a. Internet Banking Services – SMAR&TS (Sumitomo Mitsui Advanced Report & Transfer Services)The Bank provides internet banking services with high level of security and comprehensive feature. Services that are included are as follows:• SMAR&TS Bank Report• SMAR&TS Fund Transfer• SMAR&TS Payroll• SMAR&TS Trade• IMAGINE (Integrated Mapping Engine)/ Interface System• SMAR&TS E-Tax: non-import tax• E-Advice: email notification for account activity

b. Other Cash Management ServicesThe Bank also provides other Cash ManagementServices to accommodate specific needs of customers. Services included are as follow:



• E-Ctax: pajak impor• Perfect Reconciliation/Virtual Account• Interbank Collection (bekerja sama dengan BCA)• Giro Collection• Giro Depository Service

Keuntungan dan Risiko• Aman dan mudah.• Efisiensi biaya dan waktu.• Mengurangi risiko human error.• Cepat dan tepat dalam hal pembayaran.• Mudah dalam mengontrol dan mengawasi arus kas.

7. Foreign Exchange/FX

Transaksi FX merupakan salah satu aktivitas tresuri untuk memenuhi kebutuhan nasabah yang telah memiliki fasilitas kredit yang bertujuan untuk lindung nilai posisi mereka yang terekspos oleh perubahan nilai tukar.

Transaksi FX yang disediakan Bank:a. FX Tod/Tom/Spotb. FX Swapc. FX Forward

8. Derivatif

Derivatif merupakah salah satu aktivitas tresuri berdasarkan perjanjian kontrak atau pembayaran yang nilainya berasal dari instrumen-instrumen seperti suku bunga dan nilai tukar, yang diikuti oleh pergerakan dana atau instrumen.

Transaksi derivatif yang disediakan Bank:a. Interest Rate Swap (IRS)b. Cross Currency Swap (CCS)c. Interest Rate Cap/Floord. Interest Rate Collare. FX Option, yang terdiri dari:

• Option put• Option call

9.Jasa-jasa Lainnya

a. Bank Reference/Audit Balance Confirmation

b. SMBC Traveler’s Cheque

• E-Ctax: import tax• Perfect Reconciliation/Virtual Account• Interbank Collection (incorporation with BCA)• Giro Collection• Giro Depository Service

Benefits and Risks• Safe and easy.• Cost and time efficiency.• Minimizing the risk of human error.• Quick and accurate in conducting the payment.• Easy in controlling and monitoring the cash flow.

7. Foreign Exchange/FX

FX transaction is one of the treasury activities to fulfill the customers’ need who have already had the credit line to hedge their position exposed by exchange rate.

FX transactions provided by the Bank:a. FX Tod/Tom/Spotb. FX Swapc. FX Forward

8. Derivatives

Derivative is one of the treasury activities based on the contract or payment agreement in which the value is derived from instruments such as interest rate and exchange rate, which is followed by fund or instrument movement.

Derivative transactions provided by the Bank:a. Interest Rate Swap (IRS)b. Cross Currency Swap (CCS)c. Interest Rate Cap/Floord. Interest Rate Collare. FX Option, which consist of:

• Option put• Option call

9. Other Services

a. Bank Reference/Audit Balance Confirmation

b. SMBC Traveler’s Cheque



Pencairan Traveler’s Cheque SMBC.

c. Pengaduan NasabahBank telah membentuk Tim Suara Nasabah untuk menyelesaikan setiap pengaduan yang disampaikan oleh nasabah dan/atau wakil nasabah untuk menaati Peraturan Bank Indonesia.

Bank akan menangani pengaduan nasabah sesuai dengan Peraturan Bank Indonesia, dan jika terdapat nasabah yang ingin melakukan pengaduan kepada Bank, Tim Suara Nasabah siap membantu untuk memberikan resolusi yang terbaik kepada nasabah. Bank juga telah menunjuk 1 (satu) orang petugas sebagai koordinator tim yang dapat dihubungi di nomor telepon (021) 5227011.

Encashment of SMBC Traveler’s Cheque

c. Customer ComplaintThe Bank has established the Customer Voice Team to resolve any complaints submitted by customers and/or customer representatives to comply with Bank Indonesia Regulation.

The Bank will handle the customer complaints in accordance with Bank Indonesia Regulation, and if there is customer who wants to make complaints to the Bank, the Customer Voice Team will be available to assist customer to give the best resolution for customer. The Bank has also assigned 1 (one) officer as the team coordinator that can be contacted at telephone number (021) 5227011.

Mediasi Perbankan / Banking Mediation

Sesuai dengan Peraturan Bank Indonesia No. 8/5/PBI/2006 tanggal 30 Januari 2006 sebagaimana telah diubah melalui Peraturan Bank Indonesia No. 10/1/PBI/2008 tanggal 29 Januari 2008 dan Surat Edaran Bank Indonesia No. 8/14/DPNP tanggal 1 Juni 2006, dengan ini kami informasikan bahwa Sengketa antara Nasabah dengan Bank yang disebabkan tidak dipenuhinya tuntutan finansial Nasabah oleh Bank dalam penyelesaian pengaduan Nasabah dapat diupayakan penyelesaiannya melalui fungsi Mediasi yang dijalankan oleh Bank Indonesia. Fungsi Mediasi perbankan tersebut hanya terbatas pada upaya membantu Nasabah dan Bank untuk mengkaji ulang Sengketa secara mendasar dalam rangka memperoleh Kesepakatan.

Pengajuan penyelesaian Sengketa melalui mediasi perbankan hanya dapat dilakukan oleh Nasabah atau Perwakilan Nasabah, termasuk lembaga, badan hukum, dan atau bank lain yang menjadi Nasabah Bank tersebut dengan persyaratan sebagai berikut:

1. Sengketa yang dapat diajukan penyelesaiannya kepada pelaksana fungsi Mediasi perbankan adalah: a. sengketa keperdataan yang timbul dari transaksi keuangan b. pernah diajukan upaya penyelesaiannya oleh Nasabah kepada Bank.

In reference to Bank Indonesia Regulation No .8/5/PBI/2006 dated 30 January 2006, as amended by Bank Indonesia Regulation No. 10/1/PBI/2008 dated 29 January 2008, and Bank Indonesia Circular Letter No. 8/14/DPNP dated 1 June 2006, please be informed that the dispute between a Customer and a Bank, due to declined Customer’s financial claim by the Bank in the complaint settlement can be striven for seeking the resolution through Banking Mediation Function facilitated by Bank Indonesia. The Banking Mediation Function is limited to efforts to help the Customer and the Bank to substantially review the dispute in order to find agreement (mutually-acceptable solution).

Submission for settlement of dispute through the Banking Mediation can only be done by the Customer or the Customer’s representative, including an institution, a legal entity and or another Bank which is the Customer of the Bank with the following requirements:

1. The dispute which can be submitted for settlement to the Banking Mediation shall be:

a. related to Civil dispute incurred from financial transactions

b. has previously been submitted by the Customer to the Bank for settlement



c. belum pernah diproses dalam Mediasi perbankan yang difasilitasi oleh Bank Indonesia

2. Nilai tuntutan finansial maksimal sebesar Rp500.000.000,00 (lima ratus juta rupiah). Jumlah tersebut dapat berupa nilai kumulatif dari kerugian finansial yang telah terjadi pada Nasabah, potensi kerugian karena penundaan atau tidak dapat dilaksanakannya transaksi keuangan Nasabah dengan pihak lain, dan atau biaya-biaya yang telah dikeluarkan Nasabah untuk mendapatkan penyelesaian Sengketa.

3. Nasabah tidak dapat mengajukan tuntutan finansial yang diakibatkan oleh kerugian immaterial seperti kerugian karena pencemaran nama baik dan perbuatan tidak menyenangkan.

4. Pengajuan penyelesaian Sengketa disampaikan kepada Bank Indonesia secara tertulis menggunakan formulir terlampir dengan menyertakan dokumen berupa:a. fotokopi surat hasil penyelesaian pengaduan yang

diberikan Bank kepada Nasabah;b. fotokopi bukti identitas Nasabah yang masih berlaku;

c. surat pernyataan yang ditandatangani diatas meterai yang cukup bahwa Sengketa yang diajukan tidak sedang dalam proses atau telah mendapatkan keputusan dari lembaga arbitrase, peradilan, atau lembaga Mediasi lainnya dan belum pernah diproses dalam Mediasi perbankan yang difasilitasi oleh Bank Indonesia;

d. fotokopi dokumen pendukung yang terkait dengan Sengketa yang diajukan; dane. fotokopi surat kuasa, dalam hal pengajuan penyelesaian Sengketa dikuasakan

5. Pengajuan penyelesaian Sengketa dilakukan paling lama 60 (enam puluh) hari kerja sejak penyelesaian pengaduan Nasabah dari Bank.

6. Formulir pengajuan penyelesaian Sengketa beserta kelengkapan dokumen dialamatkan ke:

BANK INDONESIADepartemen Investigasi dan Mediasi PerbankanMenara Radius Prawiro, Lantai 19Jl. M.H.Thamrin No. 2Jakarta 10350

c. had never previously been processed by way of Banking Mediation facilitated by Bank Indonesia

2. The value of the financial claim is up to maximum Rp. 500,000,000.00 (Five Hundred Million Rupiah). Financial

claim nominal value can be in the form of cumulative value of actual financial loss already suffered by the Customer, the potential loss due to postponement or the non-execution of the Customer’s financial transactions with another party, and or expenses already paid by the Customer to obtain the settlement of the dispute.

3. Customer cannot file the financial claim caused by immaterial damages such as defamation and unpleasant

deeds (misdemeanor).

4. The complaint for the settlement of dispute is submitted in writing to Bank Indonesia by completing the Dispute Settlement Form and to be enclosed with supporting documents as follows:a. Copy of Dispute Resolution Letter issued by the Bank to the Customer b. Copy of valid identity of the Customer c. A statement letter which is signed by Customer on

sufficient duty stamp stating that the Dispute is not currently being processed or had never been-decided on by an arbitration institution or a court, or other Mediating Institutions and has never previously been processed by way of banking Mediation facilitated by Bank Indonesia.

d. Copy of other supporting documents related to the Dispute being file; and

e. Copy of Power of Attorney if the case is represented by Customer Representative.

5. The submission of the Dispute settlement should be done not later than 60 (sixty) business days since the Complaint settlement by the Bank.

6. The form for the submission of Dispute settlement along with the supporting documents shall be addressed to:

BANK INDONESIADepartment of Banking Investigation and MediationRadius Prawiro Tower, 19th FloorJl. M.H.Thamrin No. 2Jakarta 10350



Formulir dan surat pernyataan dapat dilihat pada lampiran.

7. Pertanyaan lebih lanjut mengenai Mediasi Perbankan dapat disampaikan kepada: 1) Anggota Tim Customer Voice PT Bank Sumitomo Mitsui

Indonesia di bawah ini:

2) Contact Person Mediasi Perbankan PT Bank Sumitomo Mitsui Indonesia di bawah ini:

2) Contact Person for Banking Mediation of PT Bank Sumitomo Mitsui Indonesia as follow:

The form and the statement letter are available on the attachment.

7. For further inquiries regarding Banking Mediation could be submitted to:1) The member of Customer Voice Team of PT Bank

Sumitomo Mitsui Indonesia as follow:

Nama / Name

Sdr. Gilar WidyoratmokoSdri. Nindia Dwi CahyaniSdri. Ika RezaSdri. Rizawati Damanik

Nama / Name

Sdri. Nur Arini

Telepon / Phone

021. 522 7011Fax. 021. 522 7022

Telepon / Phone

021. 522 7011Fax. 021. 522 7022

Keterangan / Remarks

Koordinator/ CoordinatorAsisten Koordinator/ Assistant CoordinatorAnggota/ MemberAnggota/ Member

Keterangan / Remarks

Contact Person Mediasi Perbankan/ Bank Mediation

Sesuai dengan peraturan Otoritas Jasa Keuangan (OJK) No. 1/POJK.07/2014 mengenai lembaga alternatif penyelesaian sengketa disektor jasa keuangan, OJK akan menunjuk lembaga alternative untuk menyelesaikan sengketa yang akan dikordinasikan oleh asosiasi masing-masing sector jasa keuangan yang akan dibentuk paling lambat 31 Desember 2015. OJK akan memuat daftar lembaga alternatif Penyelesaian Sengketa yang mempunyai layanan sesuai ketentuan OJK.

In line with Financial Service Authority (OJK) No. 1/POJK.07/2014 regarding alternative agency for dispute resolution in financial sector, OJK will appoint alternative agency to resolve dispute that will be coordinated by each financial association which will be established by 31 December 2015. OJK will list up alternative agency which will have the service as per OJK regulation.


Informasi Pemegang SahamShareholders Information

Komposisi Pemegang SahamPer tanggal 31 Desember 2013, Komposisi Pemegang Saham Bank adalah sebagai berikut:

Pemegang Saham Utama

Sumitomo Mitsui Banking Corporation

Sumitomo Mitsui Banking Corporation (SMBC) didirikan pada bulan April 2001 melalui penggabungan usaha (merger) dari: The Sakura Bank, Limited dan The Sumitomo Bank, Limited. SMBC merupakan anak perusahaan Sumitomo Mitsui Financial Group, Inc. (SMFG) yang berpusat dan terdaftar di Jepang sebagai sebuah grup jasa keuangan terkemuka di dunia .

Selain SMBC bekerja sama dengan anggota lainnya di dalam Grup SMFG untuk memberikan nasabah jasa keuangan yang modern dan lengkap, SMBC juga memberikan kontribusi yang positif kepada PT Bank Sumitomo Mitsui Indonesia, seperti:1. Menambahkan sumber daya manusia yang

berpengalaman secara internasional kepada Bank.2. Memperluas kapasitas pengetahuan dan jaringan secara

internasional kepada Bank.3. Mempunyai basis nasabah yang kuat berskala

international.

PT. Bank Central Asia Tbk

Bank Central Asia memasuki usaha perbankan pada tahun 1957 dengan nama Bank Central Asia NV dan terus berkembang hingga saat ini.

Shareholders CompositionAs of December 31, 2013, the Bank’s Shareholders composition are as follows:

Main Shareholder

Sumitomo Mitsui Banking Corporation

Sumitomo Mitsui Banking Corporation (SMBC) was established in April 2001 through the merger of: The Sakura Bank, Limited, and The Sumitomo Bank, Limited. The SMBC is a subsidiary of Sumitomo Mitsui Financial Group, Inc. (SMFG) which headquartered and registered in Japan as a leading financial service group in the world.

Besides SMBC coordinate with other members in the SMFG group in order to provide sophisticated and comprehensive financial service to the customers, SMBC also give positive contribution to PT Bank Sumitomo Mitsui Indonesia:

1. Increase number of international-experienced humanresources to the Bank.

2. Explore the capacity of international knowledge and network to the Bank.

3. Having strong international customer base.

PT. Bank Central Asia Tbk

Bank Central Asia joined the banking business in the 1957 as Bank Central Asia NV and kept expanding until nowadays.

Pemegang Saham/ShareholdersSumitomo Mitsui Banking Corporation PT Bank Central Asia TbkPT Bank Negara Indonesia (Persero) Tbk Total

Jumlah Saham/Number of Shares* 2,830,17828,74015,0242,873,942

Persentase/Percentage98.48%1.00%0.52%100.00%

*) Nilai nominal per lembar saham Rp. 1.000.000,- Nominal value per share Rp. 1,000,000,-



Pada Tahun 2000, Bank Central Asia telah menjadi perusahaan publik, sehingga per 31 Desember 2013 komposisi pemegang saham adalah sebagai berikut: Saham Publik: 51,09%Farindo Investment (Mauritius) Ltd: 47,15%Anthony Salim,: 1,76%

Per Desember 2013 PT. Bank Central Asia Tbk. memiliki jaringan kantor, yaitu: 1.062 kantor cabang dan 14.048 ATM. Sementara total aset dan jumlah karyawan adalah Rp. 496 triliun dan 21.013 karyawan

PT Bank Negara Indonesia (Persero) Tbk.

Bank Negara Indonesia merupakan bank yang pertama dimiliki oleh Pemerintah Indonesia yang berdiri pada tanggal 5 Juli 1946.

Sejak tahun 1996, Bank Negara Indonesia menjadi perusahaan publik, sehingga per 31 Desember 2013 komposisi pemegang saham adalah sebagai berikut:

Republik Indonesia: 60%Saham Publik: 40%

Per Desember 2013, PT Bank Negara Indonesia (Persero) Tbk. memiliki 1.693 outlet domestic dan 5 cabang luar negeri. Sementara total aset dan jumlah karyawan adalah Rp. 386,7 triliun dan 26.100 karyawan.

Pemegang Saham Pengendali Akhir: Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Financial Group, Inc. (SMFG) didirikan pada tanggal 2 Desember 2002. SMFG merupakan manajemen anak perusahaan bank dan non-bank, sekaligus juga kinerja fungsi-fungsi pendukungnya, dengan modal usaha per tanggal 31 Maret 2013 sebesar JPY 2.337,9 miliar.

Saat ini, Kantor Pusat SMFG terletak di 1-2 Marunouchi 1-chome, Chiyoda-ku, Tokyo, Jepang.

Chairman of the Board SMFG adalah Masayuki Oku dan

In 2000, Bank Central Asia has became a public company and put the shareholder composition as per 31 December 2013 as follow:

Public shares: 51.09%Farindo Investment (Mauritius) Ltd: 47.15%Anthony Salim: 1.76%

As per December 2013, PT Bank Central Asia Tbk. has office networks: 1,062 branches and 14,048 ATMs. While its total asset of Rp. 496 trillion and 21,013 number of employees.

PT Bank Negara Indonesia (Persero) Tbk.

Bank Negara Indonesia is the first bank owned by Indonesia government which established in 5 July 1946.

Since 1996, Bank Negara Indonesia decided to become a public company, which as per 31 December 2013 its composition of shareholders as follow:

Republic of Indonesia: 60%Public: 40%

As per December 2013, PT Bank Negara Indonesia (Persero) Tbk owned 1,693 domestic outlets and 5 international branches; with its total asset of Rp. 386,7 trillion and 26,100 number of employees

Ultimate Shareholder: Sumitomo Mitsui Financial Group, Inc.

Sumitomo Mitsui Financial Group, Inc. (SMFG) was incorporated on December 2, 2002. SMFG is a management of bank subsidiaries and of non-bank subsidiaries, as well as performance of ancillary functions, with capital stock as at 31 March 2013 of JPY 2,337.9 billion.

Presently, SMFG Head Office is located in 1-2, Marunouchi 1-chome, Chiyoda-ku, Tokyo, Japan.

The Chairman of the Board of SMFG is Masayuki Oku and



Presiden SMFG adalah Koichi Miyata, yang juga merangkap sebagai Direktur SMBC.

Sebagai grup penyedia jasa keuangan yang terkemuka di Jepang, SMFG memiliki grup perusahaan utama, per 31 March 2013, yaitu:• Sumitomo Mitsui Banking Corporation• SMFG Card & Credit, Inc.• Sumitomo Mitsui Card Company, Limited• Cedyna Financial Corporation• SMBC Consumer Finance Co., Ltd• Sumitomo Mitsui Finance and Leasing Company, Limited• The Japan Research Institute, Limited• SMBC Friend Securities Co., Ltd.• SMBC Nikko Securities Inc.

the President of SMFG is Koichi Miyata who is concurrently as Director of SMBC.

As a leading financial group in Japan, SMFG has major group companies, which are at 31 March 2013:

• Sumitomo Mitsui Banking Corporation• SMFG Card & Credit, Inc.• Sumitomo Mitsui Card Company, Limited• Cedyna Financial Corporation• SMBC Consumer Finance Co., Ltd• Sumitomo Mitsui Finance and Leasing Company, Limited• The Japan Research Institute, Limited• SMBC Friend Securities Co., Ltd.• SMBC Nikko Securities Inc.

Sumitomo Mitsui BankingCorporation

98.48%

PT Bank Central Asia Tbk1.00%

PT Bank Sumitomo MitsuiIndonesia

PT Bank Negara Indonesia(persero) Tbk

0.52%

Sumitomo Mitsui FinancialGroup, Inc.

100.00%

Struktur Pemegang Saham Bank hingga Pemegang Saham Pengendali AkhirThe Structure of Bank’s Shareholders up to Ultimate Shareholders



Kelompok Usaha Bank dan Kepemilikan SahamKelompok usaha di Indonesia yang terkait langsung dengan PT Bank Sumitomo Mitsui Indonesia adalah PT SMFL Leasing Indonesia, PT Nikko Securities Indonesia, PT Indonesia Infrastructure Finance dan PT SBCS Indonesia, dengan komposisi kepemilikan sebagai berikut:

PT SMFL Leasing Indonesia:• Sumitomo Mitsui Finance and Leasing Company Limited 85,00%• PT Bank Sumitomo Mitsui Indonesia 9,00% • PT Sumitomo Indonesia 6,00% Bidang usaha adalah Sewa Guna Usaha.

PT Nikko Securities Indonesia:• PT Gema Insani Karya 51,83%• SMBC Nikko Securities Inc. *) 39,68%• PT Buminata Investment 4,09%• DPK Jamsostek 2,20%• Dana Pensiun Bank Mandiri Dua 2,20%

*) Di miliki 100% oleh SMBCBidang usaha adalah Sekuritas.

PT Indonesia Infrastructure Finance:• PT Sarana Multi Infrastruktur (Persero) 34,29% • International Finance Corporation 16,94%• Asian Development Bank 16,94%• Deg-Deutsche Investitions-Und Entwicklungsgesellschaft mbH 16,94%• Sumitomo Mitsui Banking Corporation 14,89%Bidang usaha adalah Pembiayaan Infrastruktur.

PT SBCS Indonesia:• SBCS Co., Ltd. (Thailand) **) 99,00% • SMBC SSC Sdn. Bhd. (Malaysia) 1,00%

**) Kepemilikan SMBC sebesar 10,00% Kepemilikan SMFG Group sebesar 85,71%

Bidang usaha adalah Kegiatan Konsultasi Manajemen.

Affiliate Companies and Ownership of SharesThe affiliated companies of PT Bank Sumitomo Mitsui Indonesia who operates in Indonesia are PT SMFL Leasing Indonesia, PT Nikko Securities Indonesia, PT Indonesia Infrastructure Finance and PT SBCS Indonesia, with the shares ownership composition as follows:

PT SMFL Leasing Indonesia:• Sumitomo Mitsui Finance and Leasing Company Limited 85.00% • PT Bank Sumitomo Mitsui Indonesia 9.00%• PT Sumitomo Indonesia 6.00%Line of Business is Leasing.

PT Nikko Securities Indonesia:• PT Gema Insani Karya 51.83%• SMBC Nikko Securities Inc. *) 39.68%• PT Buminata Investment 4.09%• DPK Jamsostek 2.20%• Dana Pensiun Bank Mandiri Dua 2.20%

*) Owned 100% by SMBCLine of Business is Securities.

PT Indonesia Infrastructure Finance:• PT Sarana Multi Infrastruktur (Persero) 34.29% • International Finance Corporation 16.94%• Asian Development Bank 16.94%• Deg-Deutsche Investitions-Und Entwicklungsgesellschaft mbH 16.94%• Sumitomo Mitsui Banking Corporation 14.89%Line of Business is Infrastructure Financing.

PT SBCS Indonesia:• SBCS Co., Ltd. (Thailand) **) 99.00% • SMBC SSC Sdn. Bhd. (Malaysia) 1.00%

**) Owned 10.00% by SMBC Owned 85.71% by SMFG Group

Line of Business is Management Consultant.


Informasi PerusahaanCorporate Information

Nama PerusahaanName of CompanyPT Bank Sumitomo Mitsui Indonesia

Alamat PerusahaanAddress of CompanyGedung Summitmas II, lantai 9-11Jl, Jend. Sudirman Kavling 61-62Jakarta 12190, IndonesiaTelepon : 021 5227011Faksimili : 021 5227022/23

Situs PerusahaanWebsitewww.smbc.co.id

Pendirian PerusahaanEstablishment Date14 Agustus 1989

Bidang UsahaLine of Business: Bank umumCommercial Banking

Peringkat PerusahaanCompany RatingBank berhasil meraih peringkat idAAA (Tripel A; Stable Outlook) dari PT Pefindo (PT Pemeringkat Efek Indonesia) untuk periode 17 Oktober 2013 – 1 Oktober 2014. The Bank succeeds to receive Company Rating of idAAA (Tripel A; Stable Outlook) from PT Pefindo (PT Pemeringkat Efek Indonesia) for period of 17 October 2013 – 1 October 2014.

Komposisi Pemegang SahamThe Ownership Composition(per 31 Desember 2013/ as of December 31, 2013)Sumitomo Mitsui Banking Corporation : 98,48%PT Bank Central Asia Tbk : 1,00%PT Bank Negara Indonesia (Persero) Tbk : 0,52%

Kode SWIFTSWIFT CodeSUNIIDJA

Nomor Pokok Wajib Pajak (NPWP)Tax Registration Number 01.342.957.6-091.000

Akuntan PublikPublic AccountantSiddharta & WidjajaRegistered Public Accountants33rd Floor Wisma GKBI28, Jl. Jend. SudirmanJakarta 10210, IndonesiaTelp. 021 5742333/5742888Faks. 021 5741777/5742777

2013 1 - smbc.co.id · struktur organisasi organization structure profil dewan komisaris board of...

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