Laporan Tahunan 20142014 Annual Report

KAMI HADIR UNTUK MEWUJUDKAN INKLUSI KEUANGANWE ARE HERE TO PROVIDE FINANCIAL INCLUSION

HALAMAN INI SENGAJA DIKOSONGKANTHIS PAGE IS INTENTIONALLY LEFT BLANK

KAMI HADIR UNTUKMEWUJUDKAN INKLUSI KEUANGANWE ARE HERE TO PROVIDE FINANCIAL INCLUSION

Laporan Tahunan 2014 Annual Report4

DAFTAR ISITABLE OF CONTENT

CHAPTER ONE CHAPTER TWOBAB SATU BAB DUAPENGANTAREXECUTIVE SUMMARY

ANALISA DAN PEMBAHASAN MANAJEMENMANAGEMENT DISCUSSION AND ANALYSIS

8 KAMI HADIR UNTUK MEWUJUDKAN INKLUSI KEUANGAN WE ARE HERE TO PROVIDE FINANCIAL INCLUSION

10 KINERJA UTAMA PERFORMANCE HIGHLIGHTS

11 IKHTISAR KEUANGAN FINANCIAL HIGHLIGHTS

12 PERISTIWA PENTING SIGNIFICANT EVENTS

15 SAMBUTAN DEWAN KOMISARIS MESSAGE FROM THE BOARD OF COMMISSIONERS

19 SAMBUTAN DIREKSI MESSAGE FROM THE BOARD OF DIRECTORS

24 RENCANA DAN STRATEGI PLAN AND STRATEGY

28 SEKILAS BANK ANDARA BANK ANDARA AT A GLANCE

30 JEJAK LANGKAH MILESTONES

32 VISI & MISI VISION & MISSION

33 NILAI NILAI DASAR CORE VALUES

34 STRUKTUR ORGANISASI ORGANIZATION STRUCTURE

36 KOMPOSISI KEPEMILIKAN SAHAM OWNERSHIP COMPOSITION

37 PROFIL PEMEGANG SAHAM SHAREHOLDERS PROFILES

40 PROFIL DEWAN KOMISARIS BOARD OF COMMISSIONERS PROFILES

43 PROFIL DIREKSI BOARD OF DIRECTORS PROFILES

46 PRODUK DAN LAYANAN PRODUCTS AND SERVICES

49 JARINGAN KANTOR OFFICE NETWORK

52 TINJAUAN MAKRO EKONOMI DAN INDUSTRI PERBANKAN MACRO ECONOMIC AND BANKING INDUSTRY REVIEW

53 TINJAUAN KEUANGAN FINANCIAL REVIEW

58 TINJAUAN USAHA BUSINESS REVIEW

58 KINERJA KREDIT LENDING PERFORMANCE

60 KINERJA PENDANAAN FUNDING PERFORMANCE

61 KINERJA LAYANAN ANDARALINK ANDARALINK SERVICE PERFORMANCE

63 TINJAUAN UNIT PENDUKUNG SUPPORTING UNITS REVIEW

63 OPERASIONAL DAN TEKNOLOGI INFORMASI OPERATION & INFORMATION TECHNOLOGY

65 SUMBER DAYA MANUSIA HUMAN RESOURCES

74 MANAJEMEN RISIKO RISK MANAGEMENT

6 51

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CHAPTER THREE CHAPTER FOURBAB TIGA BAB EMPATTATA KELOLA PERUSAHAANGOOD CORPORATEGOVERNANCE

TANGGUNG JAWAB SOSIALPERUSAHAANCORPORATE SOCIALRESPONSIBILITY

LAPORAN KEUANGAN 2014 - AUDIT 2014 FINANCIAL STATEMENTS - AUDITED

192 KODE ETIK CODE OF ETHICS

193 PENGADUAN INTERNAL WHISTLEBLOWER

195 PENGADUAN EXTERNAL EXTERNAL COMPLAINT CHANNEL

135 197

209

SATUPENGANTAREXECUTIVE SUMMARY

CHAPTER ONE

BAB

Laporan Tahunan 2014 Annual Report8

TEMA-THEME

Kami Hadir Untuk Mewujudkan Inklusi Keuangan adalah tema dalam penulisan Laporan Tahunan 2014 Bank Andara (Bank). Tema ini dikedepankan mengingat komitmen dan konsistensi Bank dari awal berdirinya di tahun 2009 hingga kini dalam membangun kemitraan bagi Bank Perkreditan Rakyat (BPR) dan Lembaga Keuangan Mikro (LKM). Sepanjang tahun 2014 Bank tetap fokus pada upaya konsolidasi internal dengan strategi-strategi untuk perbaikan, pelaksanaan, penguatan, penyelarasan, dan pengkajian yang lebih tepat dan efektif, baik dalam bisnis, proses kerja, maupun organisasi. Keseluruhan upaya tersebut bertujuan untuk tetap memperkokoh pilar-pilar bisnis Bank, yang menopang dan menentukan keberhasilan visi dan misi perusahaan untuk mewujudkan inklusi keuangan di Indonesia.

Bank Andara berharap dapat terus memperluas jangkauan layanan yang ditandai dengan:

a) Peningkatan jumlah dan kualitas kredit.

b) Penambahan jumlah BPR dan LKM penerima fasilitas perbankan. c) Peningkatan jumlah deposan. d) Penambahan program dari kredit, simpanan, dan fitur-fitur dari fee-based income. e) Percepatan tingkat efisiensi secara signifikan.

Bank Andara percaya bahwa keberhasilan pencapaian kinerja Bank harus mencakup keberhasilan pada (i) pertumbuhan usaha, baik dari sisi keuangan maupun operasional; (ii) penerapan menajemen risiko; (iii) kepatuhan dan tata kelola perusahaan; (iv) jangkauan pelayanan; dan (v) manfaat yang dinikmati langsung oleh masyarakat, khususnya mitra BPR, LKM, dan nasabah akhir.

We Are Here to Provide Financial Inclusion is the theme for 2014 Annual Report of Bank Andara (Bank). This theme was put forward due to the Bank's commitment and consistency from its establishment in 2009 until now in building partnerships with Rural Banks (Bank Perkreditan Rakyat / BPR) and Micro-Finance Institutions (MFI). Throughout 2014, Bank Andara remained focused on internal consolidation strategies for improvement, implementation, reinforcement, alignment, and assessment which are more accurate, more efficient, and more effective in business, work processes, and organization. These efforts sought to keep strengthening the Bank's business pillars, which support and determine the success of the companys vision and mission to provide financial inclusion in Indonesia.

Bank Andara looks forward to continuously improving its service outreach in the years ahead, as indicated by:

a) Increased amount and enhanced quality of loans. b) Increased number of BPRs and MFIs to receive financing facilities. c) Increased number of depositors. d) Increased program of lending and funding, also features of the fee-based income. e) Accelerating efficiency level significantly.

Bank Andara believes that the Banks success should include achievements in (i) business growth, both financially and operationally; (ii) risk management implementation; (iii) compliance with good corporate governance; (iv) service outreach; and (v) benefits for the public, specifically BPR, MFI partners, and their end clients.

KAMI HADIR UNTUK MEWUJUDKAN INKLUSI KEUANGANWE ARE HERE TO PROVIDE FINANCIAL INCLUSION

Laporan Tahunan 2014 Annual Report 9

Laporan Tahunan 2014 Annual Report10

KINERJA UTAMAPERFORMANCE HIGHLIGHTS

IKHTISAR UTAMA-EXECUTIVE HIGHLIGHTS

737796

770

LKM Mitra Bank Banks MFI Partners

2012 2013 2014

108,17

980,33

153,88

1.140,49

133,34

678,10

Pendapatan Bunga Interest Income

2012 2013 2014

2012 2013 2014

Jumlah Penyaluran Kredit Total Loans

1.220,73 1.295,66

1.011,06

2012 2013 2014

Aset Bank Banks Assets

745,59

839,28

698,63

2012 2013 2014

Dana Pihak Ketiga Third Party Funds

Dalam miliar Rp - in billions Rp Dalam miliar Rp - in billions Rp

Dalam miliar Rp - in billions Rp Dalam miliar Rp - in billions Rp

Dalam miliar Rp - in billions Rp

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IKHTISAR KEUANGANFINANCIAL HIGHLIGHTS

IKHTISAR UTAMA-EXECUTIVE HIGHLIGHTS

DATA KEUANGAN 2014 2013 2012 FINANCIAL DATA

Jumlah Aset 1.011,06 1.295,66 1.220,73 Total Assets

Jumlah Penyaluran Kredit 678,10 1.140,49 980,33 Total Loans

Jumlah Simpanan Nasabah 109,22 180,79 210,85 Deposits from Customers

Jumlah Simpanan dari Bank Lain 589,41 658,48 534,74 Deposits from Other Banks

Jumlah Ekuitas 177,48 197,40 239,96 Total Equity

Pendapatan Bunga 133,34 153,88 108,17 Interest Income

Beban Bunga (81,12) (88,97) (60,38) Interest Expense

Pendapatan Bunga Bersih 52,22 64,91 47,80 Net Interest Income

Pendapatan Operasional Lainnya 3,69 1,52 3,99 Other Operating Income

Beban Operasional (75,26) (72,38) (49,51) Operating Expense

Rugi Operasional (19,35) (26,02) (2,26) Operating Income

Rugi Sebelum Pajak (20,65) (25,59) (2,16) Income Before Tax

RASIO KEUANGAN (%) 2014 2013 2012 FINANCIAL RATIOS (%)

Imbal Hasil Aset (ROA) (1,91) (1,94) (0,33) Return on Assets (ROA)

Imbal Hasil Ekuitas (ROE) (11,00) (18,99) (1,77) Return on Equity (ROE)

Kredit yang Diberikan terhadap DPK* 133,52 630,82 464,94 Loans to Deposits Ratio (LDR)*

Kewajiban Penyediaan Modal Minimum dengan memperhitungkan risiko kredit dan operasional

44,18 33,87 40,88CAR with credit and operational

risks

Rasio Kredit Bermasalah Kotor 3,05 1,83 0,15 Non Performing Loan/Gross

Rasio Kredit Bermasalah Bersih 0,29 0,02 0,02 Non Performing Loan/Net

Marjin Pendapatan Bunga Bersih 4,95 5,31 5,30 Net Interest Margin (NIM)

Biaya Operasional terhadap Pendapatan Operasional

142,12 116,81 102,04Operating Expense to

Operating Income

Dalam miliar Rupiah

Notasi angka-angka pada tabel dan grafik diLaporan Tahunan ini dalam Bahasa Indonesia

In billions of Rupiah

Numerical notations in all tables and graphsin this Annual Report are in Bahasa

* Terdapat perbedan formula: 2014 : Total loan non bank/DPK non bank 2013 & 2012 : Total loan bank + non bank/DPK non bank

* There are differences in formula calculation: 2014 : Total loans to non-bank borrowers/ Third Party Funds (non-bank) 2013 & 2012 : Total loans to bank + non-bank borrowers/ Third Party Funds (non-bank)

Laporan Tahunan 2014 Annual Report12

PERISTIWA PENTINGSIGNIFICANT EVENTS

Januari 2014Bank Andara memperkenalkan pengiriman uang dari luar negeri melalui fasilitas BNI Wesel PIN sebagai bagian dari layanan AndaraLink

January 2014Bank Andara introduced remittances from abroad through BNI We