kilas kinerja 2018laporan tahunan 2018 annual report 1 rp11.993 rp8.863 rp7.478 rp223 rp miliar / rp...

Tanggung Jawab Sosial Perusahaan

Corporate Social ResponsibilityTata Kelola Perusahaan U

nit Usaha Syariah

Corporate Governance of Sharia Business Unit

Tata Kelola PerusahaanG

ood Corporate Governance

Analisis dan Pembahasan M

anajemen

Managem

ent Discussion and Analysis

Tinjauan Pendukung BisnisO

verview on Business Supports

Profil PerusahaanCom

pany ProfileLaporan M

anajemen

Managem

ent ReportKilas Kinerja 2018Flashback Perform

ance 2018

PT Bank BPD DIY

Laporan Tahunan 2018 Annual Report 1

Rp11.993

Rp8.863

Rp7.478

Rp223

Rp miliar / Rp billion




Total AsetTotal Assets

Simpanan NasabahCustomer Deposits

Kredit dan Pembiayaan

Loans and Financing

Laba BersihNet Profit

Grafik Total Aset 2014-2018Chart of Total assets 2014-2018

Grafik Simpanan Nasabah 2014-2018Chart of Customer Deposits 2014-2018

Grafik Kredit dan Pembiayaan 2014-2018Chart of Loans and Financing 2014-2018

Grafik Laba Bersih 2014-2018Chart of Net Profit 2014-2018

2014

2014

2014

2014

2015

2015

2015

2015

2016

2016

2016

2016

2017

2017

2017

2017

2018

2018

2018

2018

7.822

6.368

5.194

164

8.689

6.841

5.593

186

9.740

7.380

5.989

212

10.695

8.085

6.566

220

11.993

8.863

7.478

223

12,14%

9,62%

13,71%

1.33%

GRAFIK IKHTISAR KEUANGANCharts of Financial Highlights

Laporan Tahunan 2018 Annual Report2

Berdasarkan landasan yang kuat, BPD DIY telah berhasil meraih berbagai pencapaian. Kinerja yang terus meningkat selama 21 tahun terakhir menjadi bukti bahwa Bank BPD DIY mampu bersaing dan menjadi pemenang di rumah sendiri (regional champion). Tahun 2017 merupakan momentum Bank BPD DIY memasuki era Digital Banking. Untuk itu, Bank BPD DIY senantiasa berupaya memberikan layanan perbankan yang prima melalui inovasi-inovasi produk serta layanan berbasis digital dan budaya.

Bank BPD DIY secara berkelanjutan berupaya memberikan kinerja terbaiknya melalui pengembangan produk dan layanan yang inovatif berbasis digital dan budaya untuk menghadirkan kemudahan, kenyamanan dan keamanan bagi nasabah dalam melakukan transaksi di Bank BPD DIY. Berbagai terobosan dan inovasi yang dilakukan merupakan komitmen Bank BPD DIY dalam memberikan pelayanan prima bagi nasabah dan meningkatkan daya saing di era disruption dimana kondisi yang dihadapi penuh dengan volatility, uncertainty, complexity dan ambiguity. Semangat untuk terus tumbuh berkelanjutan tersebut selaras dengan tema Laporan Tahunan Tahun 2018 yang diusung yakni Maintaining Excellent Performance. Tema tersebut mencerminkan tekad kuat dari seluruh insan BPD DIY untuk terus melaju dan unggul sebagai bank terpercaya dan teristimewa pilihan masyarakat Indonesia

With a strong foundation, BPD DIY succeeded in meeting various achievements. The continuously growing performance within the last 21 years served as an evidence that Bank BPD DIY was capable of competing and emerging as the winner in its region (regional champion). The year 2017 was a momentum for Bank BPD DIY to enter the Digital Banking era. Therefore, Bank BPD DIY strived to provide prime banking services through product innovation and digital and culture-based services.

Bank BPD DIY strives to deliver the best performance in a continuous manner through innovative product and service development that is based on digital and culture aspects, in order to provide convenience, comfort, and security for customers in conducting transactions at Bank BPD DIY. Various breakthroughs and innovations carried out demonstrate the Bank’s commitment to providing excellent services for customers and increasing competitiveness in this era of disruption where the conditions are rife with volatility, uncertainty, complexity, and ambiguity. This enthusiasm to grow sustainably is in line with the theme of the 2018 Annual Report, namely “Maintaining Excellent Performance”. The theme reflects the strong determination of all personnel of BPD DIY to continuously advance and deliver excellence as a trusted bank specifically chosen by the people of Indonesia.

20172018Tumbuh Berkelanjutan dan Menang (Sustainably Grow and Win)

Mempertahankan Kinerja Unggul (Maintaining Excellent Performance)

KESINAMBUNGAN TEMATheme Continuity



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PT Bank BPD DIY


2016 2015 2014

Sudah banyak yang berhasil dicapai oleh Bank BPD DIY sejak transformasinya yang diawali pada September 2014. Menapaki tahun 2016 Bank BPD DIY berhasil memasuki era perbankan baru Era Buku 2. Sederetan Prestasi yang diraih pada kurun waktu 2016 merupakan wujud apresiasi atas keberhasilan kinerja cemerlang di tahun sebelumnya. Pengakuan Bank BPD DIY sebagai Bank dengan kinerja Sangat Bagus selama 20 tahun berturut-turut merupakan suatu prestasi membanggakan yang harus dijaga dan terus ditingkatkan. Sampai dengan tahun 2016 Bank BPD DIY terus menata dan memperkuat landasan-landasan utama bisnisnya, agar dapat terus tumbuh berkelanjutan. Jaringan pelayanan bertambah luas, ragam produk semakin bervariasi, dan citra korporat semakin kokoh sebagai sebuah bank milik Pemerintah Daerah yang mampu bersaing di antara Bank Nasional.

Bank BPD DIY has generated a lot of achievement since the transformation that began in September 2014. In 2016, Bank BPD DIY was successfully entering a new banking era, the Era of Book 2. A series of Achievement in the period 2016 is a form of appreciation for the success of a brilliant performance in previous year. Bank BPD DIY recognition as a Bank that has a Very Good performance for 20 years in a row is a proud achievement that must be maintained and improved. Until 2016, the Bank BPD DIY still continue to organize and strengthen the main foundations of its business, in order to continue to grow sustainably. Expanding service network, more varied product range, and a more solid corporate image as a local government-owned bank that is able to compete within the National Bank.

Melalui program transformasi Bank BPD DIY bertekad menjadi bank yang unggul, berdaya saing, kontributif dan menjadi market leader di DIY.

Through transformation program, Bank BPD DIY determined to be an excellent, superior, competitive, contributive bank, and becomes market leader in Yogyakarta.

Tahun 2014 merupakan momentum penting bagi Bank BPD DIY karena dimulainya program transformasi untuk menjadi bank yang lebih baik, lebih kuat, lebih kompetitif dan lebih kontributif. Selaras dengan semangat bertransformasi itu, semangat kebangkitan atau renaissance Jogja sedang menggelora untuk membangun kejayaan Daerah Istimewa Yogyakarta ; semangat itu lebih dari sekedar kebangkitan sehingga lebih tepat disebut gumregah. Kedua momentum ini selaras beriring dilandasi tujuan mulia untuk membangun kejayaan Bank BPD DIY dan Daerah Istimewa Yogyakarta.

2014 is an important moment for Bank BPD DIY, it was the beginning of transformation program to become a better, stronger, more competitive and more contributive Bank. In harmony with the spirit of transformation, the spirit of revival or the tempestuous renaissance Jogja in establishing the glory of the Special Region of Yogyakarta; the spirit is more than just a revival, it’s more appropriately called Awakening. Both momentums are aligned based on the successive noble goal to build up the glory of Bank BPD DIY and the Special Region of Yogyakarta.

Sustainably Growing (Tumbuh Berkelanjutan)

Transforming and Leading (Berkarya Bagi Jogja Istimewa)

Awakening and Transforming (Gumregah Bertransformasi Untuk Kejayaan Jogja Istimewa)

Identitas Perusahaan Company IdentityRiwayat PerusahaanHistory of The BankJejak LangkahMilestonesBidang UsahaLine of BusinessProduk dan LayananProducts and ServicesStruktur OrganisasiOrganisational Structure Visi dan MisiVision and Mission Budaya Kerja dan Nilai UtamaWork Culture and Code of ConductProfil Dewan KomisarisBoard of Commissioners ProfileProfil Dewan Pengawas SyariahSharia Supervisory Board ProfileProfil DireksiBoard of Directors ProfilePemimpin Divisi, SKAI, UUS, Pemimpin DeskDivision Head, Head of Internal Audit Section, UUS, DeskHead

Ikhtisar KeuanganFinancial HighlightsIkhtisar SahamShare HighlightsPeristiwa Penting Event HighlightsPenghargaan 2018Awards in 2018

Keunggulan KamiOur Competitive Advantages

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Laporan Dewan KomisarisBoard of Commissioners ReportLaporan DireksiBoard of Directors Report

Kilas KinerjaPerformance Highlights

Laporan ManajemenManagement Report

Profil PerusahaanCompany Profile

Pemimpin CabangBranch ManagerKomposisi Pemegang SahamShareholders CompositionPemegang Saham Dengan Persentase 5 Persen Atau LebihShareholders with 5 Percent Ownership or MoreInformasi Entitas Anak, Asosiasi dan Joint VentureInformation on Subsidiary, Associate and Joint Venture EntitiesPeta OperasionalOperational MapInformasi Alamat dan Kantor WilayahInformation on Address and Regional OfficesKronologi Pencatatan SahamShare Listing ChronologyKronologi Pencatatan Efek LainnyaOther Shares Listing ChronologyLembaga Dan Profesi Penunjang PerusahaanCompany Supporting Professional InstitutionPelatihan Dewan Komisaris, Direksi, Sekretaris Perusahaan, Satuan Kerja Audit InternalTraining of The Board of Commissioners, Board of Directors, Corporate Secretary and Internal Audit Unit Informasi Pada Website Perusahaan Information on The Company’s Website

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Sumber Daya ManusiaSumber Daya ManusiaTeknologi InformasiTeknologi Informasi

Tinjauan Pendukung Bisnis Business Support Review

Tinjauan UmumGeneral OverviewTinjauan Ekonomi GlobalGlobal Economic OverviewTinjauan Ekonomi NasionalNational Economic OverviewTinjauan Industri Perbankan NasionalOverview of National Banking Industry Segmen Perbankan KonvensionalConventional Banking SegmentSegmen Perbankan SyariahSharia Banking SegmentTinjauan KeuanganFinancial OverviewKemampuan Membayar UtangSolvencyTingkat Kolektibilitas PiutangCollectibility RateStruktur Modal dan Kebijakan Manajemen Atas Struktur ModalCapital Structure and Management Policy on Capital StructureIkatan Material untuk Investasi Barang ModalMaterial Commitment for Goods Capital InvestmentAnalisis Dampak Perubahan Suku Bunga dan Nilai Tukar Mata Uang AsingAnalysis on the Impact of Interest Rate Fluctuation and Foreign Exchange CurrencyKebijakan Dividen dan Cadangan UmumDividend Policy and General ReservePerbandingan Antara Proyeksi dan Realisasi Tahun 2018Comparison Between Projection and Realization in 2018Proyeksi Tahun 20192019 ProjectionInformasi dan Fakta Material yang Terjadi Setelah Tanggal Laporan AkuntanMaterial Information and Fact Subsequent to Balance Sheet DateProspek UsahaBusiness Outlook

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Analisis dan Pembahasan ManajemenManagement Discussion & Analysis

DAFTAR ISITable of Contents

Grafik Ikhtisar KeuanganFinancial Highlights

Kesinambungan TemaTheme Continuity

Aspek PemasaranMarketing AspectsProgram Kepemilikan Saham Oleh Karyawan dan/atau Manajemen yang Dilaksanakan Perusahaan (ESOP/MSOP)Employee and/or Management Stock Option Program (ESOP/MSOP) Implemented by the CompanyKontribusi Kepada NegaraContribution to The CountryDistribusi Bagi Hasil, Pengelolaan Dana Zakat, Pengelolaan Dana Kebajikan & Pengelolaan Dana Investasi TerikatProfit Sharing Distribution, Zakat Fund Management, Social Support Fund Management & Executing Investment Fund ManagementRealisasi Penggunaan Dana Hasil Penawaran UmumUsage Realization Of Public Offering ProceedsInformasi Material Mengenai Investasi, Ekspansi, Divestasi, Penggabungan/Peleburan Usaha, Akuisisi Dan Restrukturisasi Utang/ ModalMaterial Information On Investment, Expansion, Divestment, Merger Consolidation, Acquisition and Debt/Capital RestructuringInformasi Material Mengenai Transaksi Afiliasi dan Mengandung Benturan KepentinganMaterial Information on Affiliate Transactions and Transactions With Conflict of InterestPerubahan Kebijakan AkuntansiChanges in Accounting PolicyPerubahan Ketentuan Perundang-Undangan yang Berpengaruh SignifikanChanges in the Rules and Regulations with Significant ImpactAnalisis Aktiva ProduktifAnalysis on Productive AssetsKomitmen dan KontinjensiCommitment and ContingenciesDerivatif dan Lindung NilaiDerivatives and HedgingInformasi Pengungkapan Terkait Peraturan Otoritas Jasa Keuangan No.32/Pojk.03/2016 Tentang Transparansi dan Publikasi Bank Umum dan Bank KonvensionalInformation on Disclosure Related to Circular Letter of Financial Services Authority No. 43/Seojk/2016 on Transparency and Publication of Commercial Banks and Conventional BanksInformasi Kelangsungan UsahaInformation on Business Continuity Analisis Rencana Bisnis Analysis on Business Plan

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Tujuan dan Manfaat Penerapan GCGObjectives and Benefits of GCG ImplementationImplementasi Tata Kelola PerseroanCorporate Governance ImplementationDasar HukumLegal BasisKebijakan GCGGCG PolicyStruktur Tata Kelola PerseroanCompany Governance StructureHasil dan Evaluasi Penerapan Tata Kelola Perseroan Yang BaikResult and Evaluation Of Good Corporate GovernancetRapat Umum Pemegang SahamGeneral Meeting Of Shareholders (GMS)Dewan KomisarisBoard Of CommissionersKomisaris IndependenIndependent CommissionerDireksiBoard of DirectorsRapat Gabungan Dewan Komisaris dan DireksiJoint Meeting of Board of Commissioners and Board of DirecrorsKebijakan Remunerasi Dewan Komisaris dan DireksiRemuneration Policy for Board of Commissionersand Board of DirecrorsKomite AuditAudit CommitteeKomite Pemantau RisikoRisk Monitoring CommitteeKomite Nominasi dan RemunerasiNomination and Remuneration CommitteeSekretaris PerusahaanCorporate SecretaryPenerapan Prinsip Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU Dan PPT)Implementation of Anti -Money Laundering and Counter Financing of Terrorism (AML and CFT)Principles

Unit Usaha SyariahSharia Business UnitDirektur UUSSBU DirectorPelaksanaan Pengawasan Prinsip Kehati-Hatian Dan Prinsip SyariahSupervision Implementation of Prudential and Sharia PrinciplesKebijakan Unit Usaha SyariahSharia Business Unit PolicySusunan Dewan Pengawas SyariahComposition of Sharia Supervisory BoardPelaksanaan Prinsip Syariah dalam Kegiatan Penghimpunan Dana dan Penyaluran Dana serta Pelayanan Jasa Unit Usaha SyariahSharia Principles Implementation in Fundraising Activities and Fund Distribution and Sharia Business Unit ServicesPelaksanaan GCG Unit Usaha SyariahImplementation of Sharia Business Unit GCG

Tata Kelola PerusahaanGood Corporate Governance

Tata Kelola Perusahaan Unit Usaha SyariahCorporate Governance of Sharia Business UnitFungsi Audit Internal

Internal Audit FunctionFungsi Audit EksternFunction of External AuditManajemen RisikoRisk ManagementManajemen Risiko Dan Sistem Pengendalian InternRisk Management and Internal Control SystemPenyediaan Dana Kepada Pihak Terkait dan Penyediaan Dana BesarFunding to Relevant Parties and Large FundingRencana Strategis PT Bank BPD DIYStrategic Plan of PT Bank BPD DIYTransparansi Kondisi Keuangan dan Non Keuangan Dewan Komisaris dan DireksiTransparency in Financial and Non Financial Condition of Board Commissioners and Board of DirectorsBusiness Continuity PlanBusiness Continuity PlanBudaya PerusahaanCorporate CultureNilai-Nilai Utama PerusahaanCorporate Core ValuesKode EtikCode of ConductsWhistleblowing SystemWhistleblowing SystemPermasalahan HukumLegal IssueTransaksi Yang Mengandung Benturan KepentinganTransaction With Conflict of InterestPembelian Kembali (Buy Back) Saham dan/atau Obligasi BankBuyback of Shares and/or Bonds of BankPemberian Dana untuk Kegiatan Sosial dan Kegiatan PolitikFunds for Social and Political ActivitiesTransparasi Informasi Produk dan JasaTransparency of Product Information and Services

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DAFTAR ISITable of Contents

Dasar Hukum Pelaksanaan Program CSRLegal Basis of CSR Program ImplementationTanggung Jawab Terhadap MasyarakatResponsibility to CommunityTanggung Jawab Sosial Terhadap Pegawai dan K3Social Responsibility to Employees and OHSTanggung Jawab Terhadap NasabahResponsibility to CustomerTanggung Jawab Terhadap Lingkungan HidupResponsibility to the Environment Biaya Biaya Kegiatan CSR Cost of CSR Activities

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Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility

Kilas KinerjaPerformance Highlights


Dalam Rp juta / In Rp million

Uraian 2014 2015 2016 2017 2018

ASET / ASSETS

Kas / Cash 296.581 338.933 317.082 309.038 341.730

Giro pada Bank Indonesia / Current Account With Bank Indonesia 542.795 652.054 494.512 521.563 377.994

Giro pada bank lain / Current Account With Other Banks 7.611 5.012 2.879 3.936 4.409

Penempatan pada Bank Indonesia dan Bank Lain / Placement With Bank Indonesia and Other Banks 1.301.063 1.480.931 2.304.922 2.563.050 2.973.894

Kredit yang diberikan / Loans 4.850.844 5.208.780 5.556.671 6.022.562 6.583.562

Pembiayaan Syariah / Sharia Financing 291.238 333.547 367.507 477.465 683.204

Efek-efek untuk Tujuan Investasi / Investment Securities 350.981 426.476 439.790 529.876 723.630

Aset Tetap / Fixed Assets 102.642 157.679 156.838 157.894 159.714

Aset Tak Berwujud / Intangible Assets 1.186 912 853 6.797 5.359

Aset Pajak Tangguhan / Deferred Tax Assets 15.824 18.950 21.125 23.681 16.015

Aset Lain-lain / Other Assets 60.828 66.611 77.343 79.506 80.645

Total Aset / Total Assets 7.821.592 8.869.887 9.739.526 10.695.372 11.993.576

LIABILITAS / LIABILITIES

Liabilitas Segera / Liabilities Immediately Payable 84.366 88.595 36.299 70.155 39.545

Simpanan Nasabah / Customer Deposits 6.368.035 6.841.380 7.380.197 8.085.299 8.863.311

Simpanan dari bank lain / Deposits from other banks 241.356 329.763 568.087 693.122 1.040.482

Utang Pajak / Taxes Payable 19.541 26.579 24.667 29.201 23.429

Pinjaman yang diterima / Borrowings 52.123 81.382 50.970 41.266 26.096

Liabilitas lain-lain / Other Liabilities 85.957 97.152 110.434 129.404 92.917

Total Liabilitas / Total Liabilities 6.851.377 7.464.851 8.170.657 9.408.450 10.085.779

EKUITAS / EQUITY

Modal Saham / Capital Stock 559.485 559.485 735.631 1.000.000 1.000.000

Dana Setoran Modal / Capital Deposit Fund 1 176.146 264.369 7.500 200.667

Saldo Laba / Retained Earnings

- Telah ditentukan penggunaannya / Appropriated retained earnings

255.942 301.873 357.023 419.310 484.058

- Belum ditentukan penggunaannya / Unappropriated retained earnings

155.006 186.550 211.846 220.111 223.072

Total Ekuitas / Total Equity 970.215 1.225.035 1.568.869 1.646.921 1.907.797

IKHTISAR KEUANGANFinancial Highlights



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PT Bank BPD DIY


Di tahun 2018, PT Bank BPD DIY belum melakukan aktivitas

perdagangan saham di Bursa Efek manapun sehingga

informasi mengenai:

a. Ikhtisar kinerja perdagangan saham yang terdiri dari

jumlah saham beredar, kapitalisasi pasar berdasarkan

harga pada Bursa Efek tempat dicatatkan, harga saham

tertinggi, terendah dan penutupan, serta volume

perdagangan;

b. Informasi aksi korporasi yang meliputi bentuk-bentuk

aksi korporasi, tanggal pelaksanaan aksi korporasi, rasio

pemecahan saham, jumlah saham beredar sebelum dan

sesudah aksi korporasi;

c. Sanksi pengehentian saham yang berupa penghentian

perdagangan saham dan penghapusan pencatatan

saham.

Tidak dapat disajikan karena tidak relevan dengan kondisi

Perseroan saat ini.

In 2018, PT Bank BPD DIY has not conducted share trading

activities in any Stock Exchange. As such, information

regarding:

a. Overview of the performance of share trading, which

consists of the number of outstanding shares, market

capitalization based on the price at the listed Stock

Exchange, highest, lowest and closing share price, and

trading volume;

b. Corporate action information, which covers forms of

corporate action, implementation date, stock split ratio

and number of outstanding shares before and after

corporate action;

c. Sanctions for share termination in the form of termination

of stock trading and write-off of shares.

Cannot be presented as they are not relevant with the

Company’s current condition.

IKHTISAR SAHAMShare Highlights

Uraian 2014 2015 2016 2017 2018

PENDAPATAN DAN BEBAN OPERASIONAL / INCOME AND OPERATING EXPENSES

Pendapatan bunga bersih / Net interest income 531.190 584.399 659.915 699.703 760.214

Laba Operasional / Operating Profit 225.108 256.988 290.119 306.659 288.270

Laba Sebelum Pajak Penghasilan / Profit Before Income Tax 221.023 251.687 286.271 298.058 311.321

Laba Bersih / Net Profit 163.625 186.148 211.777 220.141 223.072

Laba Komprehensif Tahun Berjalan / Comprehensive Profit for the Year

162.760 187.350 210.863 220.042 223.102

RASIO KEUANGAN / FINANCIAL RATIOS

ROA (%) 2,88 2,94 3,05 2,88 2,84

ROE (%) 22,59 21,99 17,70 16,25 16,11

NIM (%) 7,83 7,50 7,52 7,21 7,31

BOPO (%) 72.64 71,98 70,15 70,12 73,35

LDR (%) 80,34 80,99 80,84 81,18 83,94

CAR (%) 16,61 20,22 21,61 19,97 19,41

NPL (GROSS) (%) 1.23 1,05 3,40 3,32 4,21

NPL (Netto) (%) 0.36 0,51 2,47 2,29 1,51


PERISTIWA PENTINGSignificant Events

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Cabang Syariah

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Cabang Sleman

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Cabang Senopati

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Cabang Wonosari

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Cabang Wates

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Sharia Branch Office

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Sleman Branch OfficeBudaya Kerja Istimewa Cabang Sleman

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Sleman Branch Office

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Wonosari Branch Office

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Wates Branch Office

Januari / January05

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Januari / January 22

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Februari / February

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Cabang Bantul

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Cabang Utama

Kick Off RBB Tahun 2018 dan Sosialisasi Budaya Kerja Istimewa Kantor Pusat

Persemian Pembangunan Rumah Layak Huni Bantuan CSR Bank BPD DIY oleh Bupati Sleman

Bank BPD DIY menggelar Innovation Day Untuk menjaring Inovasi-inovasi pengembangan Bisnis

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Bantul Branch Office

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Main Branch Office

Kick-Off of 2018 RBB and Dissemination of Work Culture of Istimewa at Head Office

Inauguration of Inhabitable House as a CSR Assistance of Bank BPD DIY by the Regent of Sleman

Bank BPD DIY organized Innovation Day to encourage Innovations in business development


Februari / February

Maret / March

Bank BPD DIY mendapatkan penghargaan Platinum dalam Indonesia CSR Award 2018

Bank BPD DIY Menandatangani MoU Dengan Dinas Pendidikan, Pemuda dan Olah Raga DIY dalam hal pengelolaan tunjangan profesi guru

Bank BPD DIY menyelenggarakan kegitan Temu Mitra dan Edukasi Perbankan untuk meningkatkan kerjasama sengan seluruh mitra bank

Bank BPD DIY Menggelar Undian Berhadiah Tabungan Sutera dan Sutera Emas

Bank BPD DIY menyelenggarakan RUPST yang dihadiri oleh seluruh pemegang saham

Bank BPD DIY obtained the Platinum Award in the 2018 Indonesia CSR Award

Bank BPD DIY signed an MoU with the Education, Youth and Sports Department of Yogyakarta in the management of allowance for teachers

Bank BPD DIY organized Partner Meet and Banking Education activities to improve cooperation with all partners of the Bank

Bank BPD DIY organized the Lucky Draw of Sutera and Sutera Emas Savings

Bank BPD DIY organized the Lucky Draw of Sutera and Sutera Emas Savings

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Bank BPD DIY melakukan uji coba layanan e-retribusi rusunawa

Bank BPD DIY menyalurkan Bantuan CSR untuk pengembangan Desa Wisata Kampung Dlory di Kabupaten Sleman

Bank BPD DIY melakukan uji coba layanan e-retribusi pasar di pasar beringharjo bekerjasama dengan Pemkot Yogyakarta

Bank BPD DIY menerima Penghargaan Zakat Award dari Baznas Kota Yogyakarta

Bank BPD DIY Menerima Penghargaan The Most Innovative Company in Digital Banking Services dalam Ajang Indonesia Digital Innovation Award 2018

Bank BPD DIY conducted a trial of rusunawa e-retribution service

Bank BPD DIY distributed CSR Donation for the development of Kampung Dlory Tourism Village in Sleman Regency

Bank BPD DIY conducted a trial of market e-retribution service at Pasar Beringharjo in collaboration with Yogyakarta Municipality Government

Bank BPD DIY obtained the Zakat Award from Baznas of Yogyakarta

Bank BPD DIY obtained an award as the Most Innovative Company in Digital Banking Services in the 2018 Indonesia Digital Innovation Award event

Maret / March

Mei / May


Juni / June

Juli / July

Agustus / August

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07

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29

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Bank BPD DIY menjadi salah satu narasumber dalam Forum Bisnis yang dilaksanakan Kulon Progo

Bank BPD DIY menyalurkan Bantuan Sembako kepada petugas kebersihan melalui Dinas Lingkungan Hidup Yogyakarta

Bank BPD DIY Menyelenggarakan penarikan Undian Tabungan SImpeda dengan hadiah utama berupa paket liburan ke Eropa dan Asia

Bank BPD DIY bersama dangan Bank Indonesia Perwakilan DIY meluncurkan Kartu ATM Berlogo Gerbang Pembayaran Nasional (GPN)

Bank BPD DIY melalui Bazis menyalurkan Bantuan Air Bersih kepada Desa Terdampak kekeringan di Kulon Progo

Bank BPD DIY became one of the keynote speakers in a Business Forum held in Kulon Progo

Bank BPD DIY distributed Staple Needs to the cleaning officers through the Environmental Office of Yogyakarta

Bank BPD DIY organized Lucky Draw of Simpeda Savings with the grand prize of holiday package to Europe and Asia

Bank BPD DIY DIY, together with Bank Indonesia of DIY Representative, launched the ATM Card with the logo of National Payment Gateway (GPN)

Bank BPD DIY, through Bazis, distributed Clean Water Assistance to villages impacted by drought in Kulon Progo



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Agustus / August

September

Oktober / October

27

12

04

04

12

Pelaksanaan Pelatihan PSAK 71

Penyelenggaraan RUPS Luar Biasa Terkait Masa Jabatan Direksi 2014 – 2018

Bank BPD DIY Berpartisipasi dalam kegiatan Jogja Great Sale dalam rangka memeringati HUT Kota Yogyakarta guna menarik kunjungan wisatawan

Rapat Kerja Penyusunan Rencana Bisnis Bank 2019

Pelaksanaan Undian Tabungan Sutera dan Sutera Emas Periode I Tahun 2018

Implementation of PSAK 71 Training

Convention of Extraordinary GMS in Relation to the Tenure of Board of Directors of 2014-2018

Bank BPD DIY participated in Yogya Great Sale event in the celebration of Yogykarta City Anniversary to attract tourist visits

Work Meeting for the Preparation of 2019 Bank Business Plan

Organization of Lucky Draw of Sutera and Sutera Emas Savings of Period I 2018


November

Desember / December

02

09

26

08

15

Bank BPD DIY Menandatangani MoU dengan PT PP Perserto dan PKS dengan PP KSO terkait pengelolaan dana proyek pembangunan Bandara Baru Kulon Progo

Bank BPD DIY melaksanakan Rapat Kerja Bidang Perkreditan dan Pembiayaan

Bank BPD DIY Menerima Penghargaan Sebagai The Best BPD in Small Business Develpment Tempo SPeX Award 2018

Dalam Rangka Memeringati HUT ke 57 Bank BPD DIY menggelar kegitan BPD DIY Berdoa sebagai bentuk rasa syukur kepada Tuhan Yang Maha Esa

Upacara Peringatan HUT ke 57 Bank BPD DIY

Bank BPD DIY signed an MoU with PT PP Perserto and Cooperation Agreement with PP KSO in relation to fund management for the construction project of New Kulon Progo Airport

Bank BPD DIY held Work Meeting of Loans and Financing

Bank BPD DIY obtained an award as the Best BPD in Small Business Development Tempo SPex Award 2018

In the celebration of the Bank’s 57th Anniversary, Bank BPD DIY held BPD DIY Berdoa (BPD DIY Prays) activity as a form of thankfulness to God Almighty

Commemoration ceremony of the 57th Anniversary of Bank BPD DIY



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PENGHARGAAN 2018Awards in 2018

Bank dengan Kinerja “Sangat Bagus “ 22 Tahun Berturut-turut /

Bank with “Excellent” Performance Predicate for 22 Consecutive Years

Yogyakarta 14 Agustus 2018 / Yogyakarta, August 14, 2018

Jakarta, 23 Februari 2018 / Jakarta, February 23, 2018

Infobank Award 2018

Platinum Award

Indonesia CSR Award II 2018

Unit Usaha Syariah (UUS) dengan Kinerja “Sangat Bagus” / Sharia Business Unit with

“Excellent” PErformance

Jakarta, 26 September 2018 / Jakarta, September 26, 2018

Jakarta, 26 November 2018 / Jakarta, November 26, 2018

Infobank Award 2018

The Best BPD in Small Business Development

Tempo SPEx 2 Award 2018

Innovative Company in Digital Banking Services

Jakarta, 25 Mei 2018 / Jakarta, May 25, 2018

Jakarta, 30 November 2018 / Jakarta, November 30, 2018

Indonesia Digital Innovative Award 2018

Bank Berpredikat Sehat Kategori BUKU II dengan aset antara 10 triliun – 20 triliu / Bank BUKU II with Healthy Predicate and

assets of 10 trillion to 20 trillion

Indonesia Best Banking Award (IBBA) 2018

Laporan Manajemen

Management Reports


LAPORAN KOMISARISBoard of Commissioners Report

Puji syukur kami panjatkan kehadirat Tuhan Yang Maha Esa

atas segala rahmat dan karunianya PT Bank Pembangunan

Daerah Istimewa Yogyakarta (Bank BPD DIY) berhasil

mencapai kinerja positif di tahun 2018. Bank BPD DIY terus

mencatatkan pertumbuhan dengan mengedepankan aspek

inovasi produk dan layanan yang memperhatikan kebutuhan

nasabah menjadikan institusi perbankan yang Istimewa,

terpercaya dan pilihan masyarakat. Untuk itulah, atas nama

Dewan Komisaris akan menyampaikan pandangan dan

Laporan Kinerja yang telah dilakukan dengan mengedepankan

aspek transparansi, akuntabel dan bertanggung jawab.

KINERJA EKONOMIPada tahun 2018, situasi ekonomi global masih dilanda

ketidakpastian bahkan cenderung mengalami pelemahan

dari tahun sebelumnya. Bank Dunia dalam laporan yang

berjudul “Global Economic Prospects: Darkening Skies,”

pertumbuhan ekonomi global tahun 2018 diproyeksikan

sebesar 3,0%, lebih rendah dari realisasi tahun 2017 sebesar

3,1%. Perang dagang yang terjadi antara Amerika Serikat

(AS) dan platform di tahun 2018 merupakan faktor utama

pelemahan ekonomi dunia.

First of all, please allow us to express our gratitude to the

Almighty God, for all His mercy and blessings PT Bank

Pembangunan Daerah Istimewa Yogyakarta (Bank BPD DIY)

successfully achieved positive achievement in 2018. Bank BPD

DIY continues to record growth by prioritizing the innovation

of products and services to become an exceptional, trusted,

and preferred banking institution. For this reason, on behalf

of the Board of Commissioners, we would like to deliver our

views and Performance Reports that have been carried out

by prioritizing aspects of transparency, accountability, and

responsibility.

ECONOMIC PERFORMANCEThe global economic situation in 2018 was still hit by

uncertainty and even tended to weaken from the previous

year. The World Bank in a report entitled “Global Economic

Prospects: Darkening Skies,” stated that global economic

growth in 2018 was projected at 3.0%, lower than the

realization in 2017 at 3.1%. The trade war between the

United States (US) and China in 2018 is a major factor in the

weakening of the global economy.

Pemegang Saham dan Pemangku Kepentingan yang TerhormatDear Shareholders and Stakeholders

Bank BPD DIY terus mencatatkan pertumbuhan dengan mengedepankan aspek inovasi produk dan layanan dan yang prima sehingga menjadi institusi perbankan yang Istimewa, terpercaya dan pilihan masyarakat.Bank BPD DIY continues to record growth by prioritizing the innovation of products and services to become an exceptional, trusted, and preferred banking institution.



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Ainun Na’imKomisaris Utama

President Commissioner


Bank Dunia juga memproyeksikan pertumbuhan ekonomi

di kumpulan negara maju melambat menjadi 2,2%, turun

dibandingkan tahun 2017 sebesar 2,3%. Perlambatan

tersebut terutama disebabkan oleh bank-bank sentral utama

yang kian menarik kebijakan moneter akomodatif merek.

Salah satu contoh utama dari kebijakan tersebut adalah

keputusan The Fed yang sebanyak 4 (empat) kali menaikkan

suku bunga jangka Fed Fund Rate (FFR) menjadi 2,50%

sebagai upaya untuk menormalisasi kebijakan moneternya.

Di tengah situasi ekonomi global yang mengalami pelemahan,

ekonomi Indonesia justru mencatatkan pertumbuhan. Badan

Pusat Statistik (BPS) melaporkan realisasi pertumbuhan

ekonomi nasional sepanjang tahun 2018 sebesar 5,17%,

naik dibandingkan tahun sebelumnya sebesar 5,07% dan

merupakan pencapaian yang tertinggi sejak tahun 2014.

BPS mencatatkan Produk Domestik Bruto (PDB) tahunan

sepanjang 2018 sebesar Rp14.837,4 triliun dan PDB Per

Kapita tercatat sebesar USD3.927,0.

Kendati meningkat, namun realisasi pertumbuhan ekonomi

nasional tahun 2018 masih belum mampu mencapai target

yang tertuang dapat Anggaran Pendapatan dan Belanja

Negara (APBN) 2018 sebesar 5,4%. Kementerian Keuangan

mengutarakan bahwa belum tercapainya target pertumbuhan

ekonomi di tahun 2018 disebabkan oleh lingkungan makro

global yang mengalami tekanan cukup dalam.

Dari sisi inflasi, tingkat inflasi nasional secara tahunan di 2018

tercatat sebesar 3,13%, lebih rendah dari tahun sebelumnya

sebesar 3,61%. Realisasi tersebut berada dibawah target

pemerintah (APBN 2018) sebesar 3,5% dan masih berada di

kisaran target inflasi Bank Indonesia sebesar 3,5% plus minus

1%.

Terkendalinya tingkat inflasi di tahun 2018 merupakan hasil

dari kinerja Bank Indonesia (BI) untuk menjaga kesehatan

inflasi nasional. Upaya-upaya yang dilakukan oleh BI

untuk mengendalikan tingkat inflasi antara lain, menjaga

inflasi volatile food melalui kecukupan pasokan pangan,

mengatur ketepatan waktu dalam mengeluarkan kebijakan

administered price, menjalin kerja sama yang kuat dengan

pemerintah pusat dan daerah dalam mengambil kebijakan

makroekonomi yang tepat sasaran.

The World Bank also projected economic growth in developed

countries to slow to 2.2%, down from 2017 at 2.3%. The

slowdown was mainly due to the main central banks that

increasingly withdrew brand accommodative monetary

policies. One of the main examples of this policy is the Fed’s

decision to raise 4 (four) times the Fed Fund Rate (FFR) term

interest rate to 2.50% in an effort to normalize monetary

policy.

In the midst of the weakening global economic situation,

the Indonesian economy actually recorded growth. Statistics

Indonesia (BPS) reported the realization of national economic

growth throughout 2018 at 5.17%, up compared to the

previous year at 5.07% and the highest achievement since

2014. BPS recorded an annual Gross Domestic Product

(GDP) in 2018 at Rp14,837.4 trillion and GDP per capita was

recorded at USD3,927.0.

Even though it has increased, the realization of national

economic growth in 2018 was still not able to reach the

target stated in the 2018 State Budget (APBN) at 5.4%.

The Ministry of Finance stated that the achievement of the

economic growth target in 2018 had not been achieved

due to the global macro environment which experienced

considerable pressure.

In terms of inflation, the national inflation rate on an annual

basis in 2018 was recorded at 3.13%, lower than the previous

year at 3.61%. This realization was below the government’s

target (2018 State Budget) at 3.5% and was still in the range

of Bank Indonesia’s inflation target at 3.5% plus minus 1%.

The controlled inflation rate in 2018 was the result of the

performance of Bank Indonesia (BI) in maintaining the

soundness of national inflation. The efforts made by BI

to control the inflation rate including maintaining volatile

food inflation through adequate food supply, regulating

the timeliness in issuing administered price policies, and

establishing strong cooperation with the central and regional

governments in taking appropriate macroeconomic policies.



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Sementara dari Suku Bunga, Sepanjang tahun 2018, BI telah

menaikkan suku bunga acuan atau BI 7 – Day Reverse Repo

Rate sebanyak 6 (enam) kali sehingga mencapai 6,00% pada

akhir tahun. Jika diakumulasi, BI telah meningkatkan suku

bunga sebesar 175 bps. Sedangkan deposit facility berada di

level 5,25% dan suku bunga lending facility tercatat di level

6,75% sampai dengan akhir tahun 2018.

Kenaikan suku tersebut untuk mempertahankan daya

saing pasar keuangan di tengah tingginya ketidakpastian

perekonomian global. Selain itu, langkah peningkatan

suku bunga merupakan bentuk dukungan BI terhadap

langkah-langkah solid pemerintah untuk menurunkan defisit

transaksi berjalan. Selain menaikkan suku bunga acuan

untuk memperkuat daya tarik aset keuangan domestik

dan mengantisipasi kenaikan suku bunga global, BI juga

menerbitkan peraturan baru mengenai transaksi derivatif

rupiah berupa interest rate swap dan overnight index swap.

Peraturan tersebut diterbitkan untuk mendukung transparansi

kurva yield di pasar uang dan utang, memperkuat transmisi

kebijakan moneter dan mendorong surat utang pemerintah

dan korporasi.

EKONOMI DIYPada tahun 2018, ekonomi Daerah Istimewa Yogyakarta (DIY)

mencatatkan pertumbuhan 6,20% dari tahun 2017 atau lebih

tinggi dari pertumbuhan ekonomi Nasional. Kinerja positif

ini ditopang oleh kinerja investasi yang merupakan dampak

positif dari percepatan pembangunan infrastruktur di tahun

2018. Disamping itu, peningkatan konsumsi rumah tangga

juga turut memberikan kontribusi terhadap perekonomian

DIY.

Pertumbuhan kinerja investasi yang tinggi pada tahun

2018 terutama ditopang oleh pembangunan infrastruktur

yang masif, diantaranya pembangunan New Yogyakarta

International Airport (NYIA), Jalur Jalan Lintas Selatan (JJLS),

revitalisasi kawasan Malioboro dan pembangunan Underpass

Kentungan yang secara keseluruhan telah meningkatkan

investasi sebesar 11,50% di tahun tersebut.

Kinerja pertumbuhan ekonomi DIY terutama dapat dilihat

pada realisasi pertumbuhan Produk Domestik Regional Bruto

(PDRB) DIY pada triwulan IV 2018 yang tercatat sebesar 7%,

melebihi triwulan sebelumnya sebesar 6,03% dan naik dari

level pada triwulan III 2018 sebesar 5,25%.

Meanwhile in terms of interest rates, throughout 2018, BI

has raised the benchmark interest rate or BI 7 - Day Reverse

Repo Rate by 6 (six) times to reach 6.00% at the end of the

year. If accumulated, BI has increased interest rates by 175

bps. Whereas deposit facilities were at the level of 5.25% and

the lending facility interest rate was recorded at the level of

6.75% as of the end of 2018.

The increase in the rate was to maintain the competitiveness

of the financial market amid the heightened uncertainty in the

global economy. In addition, the step to increase interest rates

was a form of BI’s support for the government’s solid steps

to reduce the current account deficit. In addition to raising

the benchmark interest rate to strengthen the attractiveness

of domestic financial assets and anticipate a rise in global

interest rates, BI also issued new regulations regarding rupiah

derivative transactions in the form of interest rate swaps and

overnight index swaps. The regulation was issued to support

the transparency of the yield curve in the money market and

debt, strengthen the transmission of monetary policy, and

encourage government and corporate debt securities.

DIY ECONOMYIn 2018, the economy of the Special Region of Yogyakarta

(DIY) grew by 6.20% from 2017 or higher than the national

economic growth. This positive performance was supported

by investment performance which was a positive impact of the

acceleration of infrastructure development in 2018. Besides,

an increase in household consumption also contributed to the

DIY economy.

The high growth of investment performance in 2018 was

mainly supported by massive infrastructure development,

including the construction of New Yogyakarta International

Airport (NYIA), the Southern Cross Road (JJLS), the

revitalization of the Malioboro area, and the construction of

the Kentungan Underpass which overall increased investment

by 11.50% in that year.

DIY economic growth can be seen in the realization of DIY

Gross Regional Domestic Product (GRDP) growth in the

fourth quarter of 2018 which was recorded at 7%, exceeding

the previous quarter at 6.03% and up from the level in the

third quarter of 2018 at 5.25%.


Tingkat inflasi DIY secara tahunan tercatat sebesar 2,66%

berdasarkan data Kantor Perwakilan Bank Indonesia (BI) DIY.

Angka tersebut merupakan yang terendah dibandingkan

provinsi lainnya di Pulau Jawa dan lebih rendah dibandingkan

tingkat inflasi nasional pada 2018 yang tercatat sebesar

3,13%. Realisasi inflasi sebesar 2,66% pada tahun 2018

terkendali dan berada pada sasaran target inflasi 3,5% plus

minus 1%. Terkendalinya tingkat inflasi tersebut merupakan

hasil dari upaya Tim Pengendali Inflasi Daerah (TPID) DIY

dalam menjaga stabilitas inflasi melalui beberapa strategi,

seperti warung untuk rakyat.

TINJAUAN INDUSTRI PERBANKAN NASIONALKinerja positif ekonomi Nasional turut dipengaruhi oleh

stabilitas sistem keuangan nasional di tahun 2018.

Berdasarkan data Otoritas Jasa Keuangan (OJK) dalam

Aset perbankan nasional di tahun 2018 telah mencapai

Rp8.068,35 triliun, meningkat sebesar 9,21% dibandingkan

tahun 2017 sebesar Rp7.387,63 triliun. Aset Bank nasional

tahun 2018 tersebut terbagi dalam beberapa kelompok

bank, antara lain Bank Persero sebesar Rp3.343,00 triliun,

BUSN Devisa sebesar Rp3.126,36 triliun, BUSN Non Devisa

sebesar Rp101,04 triliun, BPD sebesar Rp655,96 triliun,

Bank Campuran sebesar Rp390,33 triliun dan Bank Asing

sebesar Rp451,66 triliun. Penghimpunan Dana Pihak Ketiga

(DPK) tercatat sebesar Rp5.630,45 triliun, naik tipis sebesar

6,45% dibandingkan realisasi pada akhir tahun 2017 sebesar

Rp5.289,38 triliun. Berdasarkan jenisnya, perlambatan

pertumbuhan DPK terutama terjadi pada instrumen

Simpanan Berjangka yang hanya tumbuh sebesar 5,75%

dibandingkan tahun sebelumnya sebesar 8,98%. Sementara

jumlah penyaluran kredit perbankan nasional tercatat

sebesar Rp5.358,01 triliun, naik 12,05% dibandingkan tahun

2017 sebesar Rp4.781,93 triliun. Secara nominal, kenaikan

terbesar berasal dari kredit kepada pihak ketiga yang naik

sebesar Rp556,94 triliun atau 11,75% dibandingkan tahun

sebelumnya. Namun secara persentase, kenaikan penyaluran

kredit kepada Bank Lain memberikan pertumbuhan terbesar,

yaitu 43,52%. Dari keseluruhan jumlah kredit yang berhasil

disalurkan oleh Bank Umum di tahun 2018, kredit Modal

Kerja masih mendominasi jumlah pemberian kredit sebesar

Rp2.512,48 triliun dengan kontribusi sebesar 47,45% dan

diikuti oleh kredit Konsumsi dan Investasi dengan masing-

masing kontribusi sebesar 27,83% dan 24,72%.

The annual DIY inflation rate was 2.66% based on data from

the Bank Indonesia (BI) Representative Office in DIY. This

figure was the lowest compared to other provinces in Java

and was lower than the national inflation rate in 2018 which

was 3.13%. Realization of inflation was 2.66% in 2018,

under control and was on the inflation target at 3.5% plus

minus 1%. The controlled inflation rate was the result of the

efforts of the DIY Regional Inflation Control Team (TPID) in

maintaining inflation stability through several strategies, such

as stalls for the people.

NATIONAL BANKING INDUSTRY OVERVIEWThe positive performance of the National economy was also

influenced by the stability of the national financial system in

2018. Based on data from the Financial Services Authority

(OJK), national banking assets in 2018 reached Rp8,068.35

trillion, increased by 9.21% compared to 2017 at Rp7,387.63

trillion. The national bank assets in 2018 were divided into

several bank groups, including State Banks at Rp3,343.00

trillion, Foreign Exchange BUSN at Rp3,126.36 trillion, Non-

Foreign Exchange BUSN at Rp101.04 trillion, BPD at Rp655.96

trillion, Mixed Banks at Rp390.33 trillion, and Foreign Bank at

Rp451.66 trillion. Third Party Funds (DPK) was recorded at

Rp5,630.45 trillion, up slightly by 6.45% compared to the

realization at the end of 2017 at Rp5,289.38 trillion. By type,

the slowdown in DPK growth mainly occurred in the Time

Deposit instrument which only grew by 5.75% compared to

the previous year at 8.98%, while total national bank loan

was recorded at Rp5,388.01 trillion, up 12.05% compared to

2017 at Rp4,781.93 trillion. Nominally, the highest increase

came from loans to third parties which rose by Rp556.94

trillion or 11.75% compared to the previous year. However,

in terms of percentage, the increase in loan to other banks

provided the largest growth, namely 43.52%. From the total

number of loans successfully channeled by Commercial Banks

in 2018, Working Capital loans still dominated the amount of

loan at Rp2,512.48 trillion with a contribution of 47.45% and

followed by Consumption and Investment loans with 27.83%

and 24.72% contributions respectively.



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PENCAPAIAN KINERJA 2018Dewan Komisaris memandang tahun 2018 merupakan tahun

yang cukup menantang bagi industri perbankan. Kondisi

ekonomi global maupun domestik yang belum sepenuhnya

pulih dan masih diliputi ketidakpastian turut memberikan

dampak yang luas bagi kinerja industri perbankan secara

keseluruhan. Belum lagi dihadapkan dengan era disrupsi

digital yang bergerak sangat cepat membuat persaingan di

industri semakin dinamis.

Kendati demikian, kami melihat Bank BPD DIY masih berhasil

melalui berbagai tantangan tersebut dengan mencatatkan

kinerja cukup membanggakan pada tahun 2018. Hal tersebut

terllihat dari indikator pencapaian berdasarkan target

yang dituangkan dalam Rancangan Kerja dan Anggaran

Perusahaan (RKAP) tahun 2018 maupun Rancangan Bisnis

Bank (RBB) tahun 2018 yang diselaraskan dengan Corporate

Plan tahun 2016-2020.

Salah satu capaian yang patut diapresiasi adalah kinerja

penyaluran kredit Bank BPD DIY yang mampu tumbuh

13,71%. Capaian ini merupakan rekor tertinggi sejak tahun

2015. Realisasi penyaluran kredit dan pembiayaan tahun

2018 tercatat sebesar Rp7,48 triliun atau 101,26% dari

target sebesar Rp7,39 triliun atau tumbuh 13,71% dari posisi

tahun 2017 sebesar Rp6,58 triliun, Pertumbuhan ini juga

jauh lebih tinggi jika dibandingkan pertumbuhan penyaluran

kredit di DIY sebesar 11%. Pertumbuhan ini dipengaruhi oleh

kebijakan dalam strategi pemasaran kredit terutama terkait

dengan target pasar. Sedangkan secara khusus realisasi

penyaluran kredit dan pembiayaan untuk UMKM sebesar

Rp1,99 triliun atau tercapai sebesar 88,92% dari target yang

ditetapkan sebesar Rp2,24 triliun, dimana alokasi kredit dan

pembiayaan Non UMKM tercapai sebesar Rp1,93 triliun atau

128,53% melebihi dari target yang ditetapkan sebesar Rp1,50

triliun. Komisaris mendorong Bank BPD DIY agar lebih agresif

dalam menyalurkan kredit untuk sektor produktif seperti pada

sektor Usaha Mikro Kecil dan Menengah (UMKM) melalui

produk Mikro Makarya, Angkringan, dan Mikro Makarti.

Kinerja positif juga ditunjukan oleh pencapaian

penghimpunan Dana Pihak Ketiga (DPK), yang terealisasi

101,15% atau tercatat sebesar Rp8,86 triliun dari target.

Capain ini ini tercatat tumbuh 9,64% dari capaian tahun 2017

sebesar Rp8,09 triliun. Pertumbuhan DPK ini menunjukkan

kepercayaan masyarakat kepada PT Bank BPD DIY masih

terjaga.

2018 PERFORMANCEThe Board of Commissioners views that 2018 was as a

challenging year for the banking industry. Global and domestic

economic conditions that have not fully recovered and were

still filled with uncertainties also have a broad impact on

the performance of the banking industry as a whole, not to

mention the digital era disruption that was moving very fast,

making competition in the industry increasingly dynamic.

Nevertheless, we view that Bank BPD DIY succeeded through

various challenges by recording quite a proud performance

in 2018. This can be seen from the achievement indicators

based on the targets outlined in the 2018 Work Plan and

Budget (RKAP) and the 2018 Bank Business Plan (RBB) which

were aligned with the 2016-2020 Corporate Plan.

One of achievements that deserve to be appreciated is the

performance of Bank BPD DIY lending which was able to

grow by 13.71%. This achievement is the highest record

since 2015. The realization of lending and financing in 2018

was recorded at Rp7.48 trillion or 101.26% of the target

at Rp7.39 trillion or grew by 13.71% from the position in

2017 at Rp6.58 trillion. Such growth is also much higher

when compared to the growth of DIY lending by 11%. This

growth was influenced by policies in the loan marketing

strategy mainly related to the target market. In particular, the

realization of lending and financing for MSMEs amounted to

Rp1.99 trillion or reached 88.92% of the target set at Rp2.24

trillion, where the allocation of loan and non-MSME financing

reached Rp1.93 trillion or 128.53%, exceeding the target set

at Rp1.50 trillion. The Commissioners encouraged Bank BPD

DIY to be more aggressive in lending to productive sectors

such as the Micro, Small, and Medium Enterprises (MSME)

through Mikro Makarya, Angkringan, and Mikro Makarti

products.

Positive performance was also shown by the achievement

of Third Party Funds (TPF) which realized at 101.15% or

recorded at Rp8.86 trillion of the targets. This achievement

recorded a growth of 9.64% from the 2017 achievement at

Rp8.09 trillion. This growth in DPK shows that public trust in

PT Bank BPD DIY is still maintained.


Sementara dari sisi Aset, total Aset Bank BPD DIY terus

mengalami pertumbuhan dalam kurun waktu empat tahun

terakhir sejak tahun 2014. Pada tahun 2018, total Aset

Bank BPD DIY tumbuh sebesar 12,14% dari total aset

tahun 2017 sebesar Rp10,70 triliun yang dipengaruhi terus

meningkatnya penghimpunan DPK. Dari sisi Laba, Bank BPD

DIY membukukan Laba Rp311,32 miliar atau 103,77% dari

target yang ditetapkan sebesar Rp300 miliar, Laba diperoleh

meningkat sebesar 4,44% dari pencapaian akhir tahun 2017

sebesar Rp298,06 miliar.

Meski mencatatkan kinerja keuangan yang positif, namun

dari sisi Rasio Bank BPD DIY masih perlu melakukan beberapa

langkah strategis. Sebab, baik dari CAR, Return on Equity,

dan Return on Asset mengalami penurunan dari tahun

sebelumnya. Sementara pencapaian Loan to Deposits Ratio

(LDR) tercapai sebesar 83,94%, masih berada di dalam batas

sesuai ketentuan Peraturan Bank Indonesia Nomor 18/14/

PBI/2016 tanggal 18 Agustus 2016 yaitu, batas bawah LDR

sebesar 80% dan batas atas LDR sebesar 92%, sehingga

Bank tidak dikenakan disinsentif oleh Bank Indonesia,

pencapaian ini lebih tinggi jika dibandingkan LDR tahun 2017

yaitu sebesar 81,18%. Sementara dari Non Performing Loan

(NPL) Bank BPD DIY masih bisa mencapai NPL lebih baik dari

target yang ditetapkan yakni sebesar 4,5%, pencapaian NPL

tercapai sebesar 4,21%. Secara keseluruhan Dewan Komisaris

menilai Bank BPD DIY mampu menunjukan pencapaian

kinerja keuangan yang baik, meski di beberapa aspek perlu

ditingkatkan kinerjanya agar lebih optimal.

ASPEK OPERASIONAL Dewan Komisaris menilai Bank BPD DIY sudah sangat baik

dalam meningkatkan kualitas layanan dan inovasi produk

perbankan terutama dalam menghadapi era disrupsi

digitalisasi di sektor perbankan. Sejak beberapa tahun

terakhir Bank BPD DIY telah mengembangkan produk

berbasis teknologi digital seperti mobile banking, Cash

Mangement System, e-money dan terakhir t-money yang

secara resmi di-launcing pada tahun 2018 untuk memenuhi

kebutuhan nasabah kaum milenial dalam transaksi finansia

serta memenangi persaingan di industri perbankan.

Disamping pengembangan sistem teknologi dan produk

berbasis digital, Bank BPD DIY juga memperkuat basis

layananya dengan melakukan penambahan jaringan layanan

baru sejumlah 12. Dengan adanya penambahan jaringan

layanan tersebut, maka pada akhir tahun 2018 jumlah

Total Assets of Bank BPD DIY continued to grow in the last

four years since 2014. Total assets of Bank BPD DIY in 2018

grew by 12.14% from total assets in 2017 at Rp10.70 trillion

which was affected by increasing collection of DPK. Bank

BPD DIY posted a profit of Rp311.32 billion or 103.77% of

the target set at Rp300 billion, increased by 4.44% from the

achievement at the end of 2017 at Rp298.06 billion.

Although recorded a positive financial performance, Bank

BPD DIY still need to take several strategic steps in terms

of ratio, for CAR, Return on Equity, and Return on Asset

decreased from the previous year, while the achievement of

the Loan to Deposits Ratio (LDR) reached 83.94%, still within

the limits according to the Regulation of Bank Indonesia

No. 18/14/PBI/2016 dated August 18, 2016, namely, the

lower limit of LDR at 80% and the upper limit of the LDR

at 92%, so that the Bank is not subject to disincentives by

Bank Indonesia. This achievement is higher compared to LDR

in 2017 at 81.18%, while the Non-Performing Loan (NPL) of

Bank BPD DIY can still achieve NPL better than the target set

at 4.5%, the achievement of NPL reached 4.21%. Overall,

the Board of Commissioners assesses that Bank BPD DIY is

able to demonstrate good financial performance, although

in some aspects it needs to be improved to be more optimal.

OPERATIONAL ASPECTThe Board of Commissioners considers that Bank BPD DIY

has been very good in improving the quality of service and

innovation of banking products, especially in the facing

digitalization disruption era in the banking sector. Since the

last few years, Bank BPD DIY has developed digital technology-

based products such as mobile banking, cash management

system, e-money and lastly t-money which officially released

in 2018 to meet the needs of millennial customers in financial

transactions and win competition in the banking industry.

Besides the development of technology system and digital-

based products, Bank BPD DIY also strengthened its service

base by adding 12 new service networks. With the addition

of these service networks, by the end of 2018 total service

networks of Bank BPD DIY has reached 320 networks



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Ainun Na’imKomisaris Utama

President Commissioner

Djoko SusantoKomisaris Independen

Independent Commissioner

Bambang Wisnu HandoyoKomisaris

Commissioner

jaringan layanan Bank BPD DIY mencapai 320 jaringan yang

terdiri dari 1 Kantor Pusat, 7 Cabang, 38 Cabang Pembantu,

81 Kantor Kas, 127 ATM, 26 Payment Point, 6 Kas Mobil dan

34 Layanan Syariah. Dengan berbagai inovasi layanan dan

produk tersebut, Bank BPD DIY diyakini mampu memberikan

pelayanan yang semakin prima pada para nasabah.

Dewan Komisaris mendorong Bank BPD DIY terus melakukan

transformasi pada aspek bisnis dan layanan dengan

menggunakan sistem teknologi termuktahir berbasis

digital. Sebab, kehadiran teknologi akan menjadi enabler

bagi pertumbuhan Bank BPD DIY, serta dapat memberikan

pelayanan yang maksimal kepada pelanggan.

consisting of 1 Head Office, 7 Branches, 38 Sub-Branches,

81 Cash Offices, 127 ATMs, 26 Payment Points, 6 Car Cash,

and 34 Sharia Services. With a variety of service and product

innovations, Bank BPD DIY is believed to be able to provide

excellent services to its customers.

The Board of Commissioners encourages Bank BPD DIY to

continue to transform aspects of business and services by

using the latest digital technology system based on digital,

for the presence of technology will become an enabler for the

growth of Bank BPD DIY and can provide maximum service

to customers.


PENGAWASAN IMPLEMENTASI STRATEGI PERUSAHAAN YANG DIJALANKAN DIREKSIDalam rangka menjalankan peran pengawasan aktif,

Dewan Komisaris terus melakukan kegiatan pengawasan

dan pemberian nasehat kepada Direksi agar kegiatan

usaha Bank BPD DIY dapat dilaksanakan dengan baik sesuai

dengan rencana dan target bisnis yang telah ditetapkan

bersama. Direksi juga telah menyusun dengan baik Rencana

Bisnis Bank Bank BPD DIY Tahun 2018 yang mengacu kepada

Corporate Plan maupun visi dan misi Bank BPD DIY.

Dewan Komisaris bersama Direksi telah membangun

komunikasi yang terbuka dan intens terutama dalam

merumuskan berbagai kebijakan strategis guna

mengoptimalkan kinerja di sepanjang tahun 2018. Bentuk

pengawasan yang dilakukan Dewan Komisaris yakni

dengan melakukan rapat bersama Direksi yang telah

dilakukan sebanyak11 kali rapat atau pertemuan. Sebagai

bentuk pengawasan aktif Dewan Komisaris, Direksi telah

menyampaikan laporan bulanan atas Kinerja yang akan

dilakukan review setiap Triwulanan oleh Komisaris dan

dilaporkan kepada Otoritas Jasa Keuangan (OJK) setiap

Semester melalui Laporan Pengawasan Pelaksanaan Rencana

Bisnis Bank.

Di samping itu, review atas kinerja Bank dilakukan secara

triwulanan dengan menerima laporan maupun pembahasan

dalam rapat-rapat koordinasi. Dari sisi operasional, Dewan

Komisaris melakukan pemantauan melalui Komite Audit,

Komite Pemantau Risiko serta Komite Remunerasi dan

Nominasi. Dari hasil review yang dilakukan, disimpulkan

bahwa Kinerja Bank di tahun 2018 adalah baik.

Dewan Komisaris juga selalu mendorong peran aktif

dari Komite Audit, Komite Pemantau Risiko serta Komite

Remunerasi dan Nominasi untuk melaksanakan tugas

sesuai dengan Job Description yang harus dilakukan serta

mendorong komunikasi antara SKAI dan Komite Audit, Divisi

Manajemen Risiko dan Kepatuhan dengan Komite Pemantau

Risiko maupun Komite Remunerasi dan Nominasi dengan

Divisi SDM dan Umum. Secara keseluruhan pada tahun 2018,

fungsi pengawasan dan komunikasi bersama Direksi telah

berjalan dengan sangat baik sehingga Bank BPD DIY mampu

mencatatkan kinerja positif pada tahun ini.

SUPERVISION ON IMPLEMENTATION OF STRATEGY BY THE BOARD OF DIRECTORSIn order to carry out an active supervisory role, the Board

of Commissioners continues to carry out supervisory and

advisory activities to the Board of Directors so that the

business activities of Bank BPD DIY can be carried out properly

in accordance with the business plans and targets that have

been set together. The Board of Directors has also prepared

2018 Bank BPD DIY Business Plan that refers to the Corporate

Plan and the vision and mission of Bank BPD DIY.

The Board of Commissioners and the Board of Directors have

established open and intense communication, especially in

formulating various strategic policies to optimize performance

throughout 2018. The form of supervision carried out by the

Board of Commissioners was by conducting meetings with

the Board of Directors which have been carried out as much

as 11 meetings. As a form of active supervision by the Board

of Commissioners, the Board of Directors has submitted a

monthly report on the Performance that will be reviewed

quarterly by the Board of Commissioners and reported to

Financial Services Authority (OJK) every semester through the

Bank Business Plan Implementation Supervision Report.

In addition, a review of the Bank’s performance is conducted

quarterly by receiving reports and discussions in coordination

meetings. From the operational aspect, the Board of

Commissioners monitors through the Audit Committee, Risk

Monitoring Committee, and Remuneration and Nomination

Committee. From the results of the review conducted, it was

concluded that the Bank’s performance in 2018 was good.

The Board of Commissioners also encourages the active role

of the Audit Committee, Risk Monitoring Committee, and

Remuneration and Nomination Committee to carry out duties

in accordance with the Job Description that must be carried

out and encourage communication between the SKAI and

Audit Committee, Risk Management and Compliance Division

with the Risk Monitoring Committee and Remuneration

Nomination and Committee with the HR and General

Division. Overall in 2018, the function of supervision and

communication with the Board of Directors has been running

very well so that the Bank BPD DIY was able to record positive

performance this year.



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PENILAIAN ATAS KINERJA KOMITEDalam mendukung pelaksanaan fungsi pengawasan,

Dewan Komisaris Bank BPD DIY dibantu oleh Komite

Audit, Komite Pemantau Risiko serta Komite Nominasi dan

Remunerasi. Komite Audit bertugas membantu Dewan

Komisaris melakukan pengawasan terhadap sistem dan

proses pelaporan keuangan, proses audit atas laporan

keuangan Perseroan, evaluasi atas pelaksanaan pengawasan

internal (internal control) Perseroan, evaluasi atas kinerja

Internal Auditor Perseroan, dan pengawasan kinerja teknis

dan operasional serta pemenuhan ketentuan dan peratuan

perundang-undangan lainnya.

Komite Pemantau Risiko bertugas membantu Dewan

Komisaris melakukan pemantauan dan monitoring

pelaksanaan Manajemen Risiko di lingkungan Bank BPD DIY

yang menjalankan kegiatan usaha di industri perbankan.

Sedangkan Komite Remunerasi dan Nominasi membantu

Dewan Komisaris dalam mendorong dilaksanakannya

kaderisasi yang terstruktur dan berkelanjutan, termasuk

dalam rangka seleksi calon Pengurus Bank.

Pada tahun 2018, komite-komite tersebut sudah sangat

efektif membantu Dewan Komisaris menjalankan fungsi

pengawas baik pada aspek audit, manajemen risiko, serta

nominasi dan remunerasi. Penilaian terhadap Komite diukur

dengan adanya aktivitas pemantauan dan review yang

dilakukan serta frekuensi pertemuan yang dilakukan. Komite

Audit beberapa kali mengundang Direktur Pemasaran untuk

melakukan pembahasan aspek perkreditan. Pertemuan

Komite Pemantauan Risiko dengan Divisi yang membidangi

Manajemen Risiko dan Kepatuhan dilakukan secara berkala

termasuk dalam membahas pedoman-pedoman yang

dibuat sebagai upaya melakukan mitgasi terhadap risiko

yang dihadapi. Dewan Komisaris berkomitmen untuk

meningkatkan kualitas kinerja komite agar pengelolaan Bank

BPD DIY menjadi lebih profesional dengan mengacu pada

standar tertinggi di industri perbankan.

ASSESSMENT ON COMMITTEE PERFORMANCEIn supporting the implementation of the supervisory function,

the Board of Commissioners of Bank BPD DIY is assisted

by Audit Committee, Risk Monitoring Committee, and

the Nomination and Remuneration Committee. Duties of

Audit Committee are assisting the Board of Commissioners

in supervising the financial reporting system and process,

auditing the Company’s financial statements, evaluating the

Company’s internal control, evaluating the performance of

the Company’s Internal Auditors, and overseeing technical

and operational performance and compliance with the laws

and regulations.

Duties of Risk Monitoring Committee are assisting the

Board of Commissioners to monitor the implementation

of Risk Management within the Bank BPD DIY that runs

business activities in the banking industry. Remuneration and

Nomination Committee assists the Board of Commissioners

in encouraging the implementation of structured and

sustainable regeneration, including in the framework of

selecting prospective Bank Managers.

In 2018, these committees have been very effective in assisting

the Board of Commissioners in carrying out supervisory

functions in the aspects of audit, risk management,

and nominations and remuneration. Assessment of the

Committee was measured by the existence of monitoring and

review activities and the frequency of meetings conducted.

The Audit Committee has invited the Director of Marketing

several times to discuss loan aspects. The meeting of the

Risk Monitoring Committee with the Division in charge of

Risk Management and Compliance is carried out regularly,

including in discussing the guidelines made as an effort

to mitigate the risks faced. The Board of Commissioners

is committed to improving the quality of the committee’s

performance so that the management of Bank BPD DIY

becomes more professional by referring to the highest

standards in the banking industry.


IMPELEMENTASI TATA KELOLA PERUSAHAAN/ GOOD CORPORATE GOVERNANCE (GCG)Dewan Komisaris memandang, implementasi tata

kelola perusahaan yang baik atau Good Corporate

Governance (GCG) telah dijalankan dengan baik yang diukur

dari aspek struktur, proses maupun outcome-nya. Dari aspek

struktur, jumlah dan keanggotaan Dewan Komisaris, Komite-

komite yang wajib ada di bank telah menuhi ketentuan.

Independensi maupun kompetensi dari personil selama

ini berjalan dengan memadai. Bank BPD DIY juga tidak

ditemukan adanya benturan kepentingan maupun tindakan

yang melanggar etika dan integritas.

Bank BPD secara konsisten menjalankan bisnis yang sehat

dengan mematuhi berbagai regulasi baik dari Bank Indonesia,

Otoritas Jasa Keuangan, maupun peraturan perundang-

undangan lainnya.

Tugas pengawasan atas pelaksanan tugas Direksi juga

dilakukan dengan cermat dan kegiatan yang dijalankan oleh

bank telah berprinsip pada four eyes principle & dual control.

Pelaporan-pelaporan dijalankan dengan baik dan tepat waktu,

tidak terdapat sanksi-sanksi atas laporan yang signifikan

terjadi. Sementara, kegiatan pengawasan dan pelaksanaan

usaha yang dijalankan baik oleh Dewan Komisaris maupun

Direksi telah mendapatkan persetujuan oleh RUPS Tahunan

dan diberikan Pembebasan dan Pelunasan (Acquit et de

charge).

Dalam rangka menjaga dan meningkatkan kualitas penerapan

tata kelola, Bank BPD DIY secara berkala setiap tahunya

melakukan penilaian sendiri (self assessment) untuk mengukur

pelaksanaan tata kelola, Bank BPD DIY mendapatkan nilai

Komposit 2 dari hasil assessment yang mencerminkan

manajemen Bank telah melakukan penerapan Tata Kelola

yang secara umum sangat baik. Penerapan GCG di Bank BPD

DIY juga diperkuat Unit Kepatuhan yang bertanggungjawab

menetapkan kebijakan atau mengambil keputusan untuk

mencegah unsur penyimpangan, ketidakpatuhan, bahkan

pelanggaran terhadap ketentuan dan peraturan yang berlaku,

serta melanggar prinsip kehati-hatian. Fungsi kepatuhan ini

juga berperan dalam program Anti Pencucian Uang (APU)

dan Pencegahan Pendanaan Terorisme (PPT) dan melakukan

pemantauan Transaksi Keuangan Mencurigakan (TKM) dan

Transaksi Keuangan Tunai (TKT). Pelaporan kepada otoritas

terkait ini merupakan komitmen Bank BPD DIY mencegah

terjadinya tindakan melanggar hukum dalam melakukan

transaksi perbankan. Dewan Komisaris berharap, Bank BPD

IMPLEMENTATION OF GOOD CORPORATE GOVERNANCEThe Board of Commissioners considers that the implementation

of Good Corporate Governance (GCG) has been carried out

properly as measured by aspects of structure, process and the

outcome. On structure aspect, number and membership of

the Board of Commissioners and Committees that shall exist

in the Bank have fulfilled the provisions. The independence

and competence of personnel has been running smoothly.

Bank BPD DIY Bank also found no conflicts of interest or

actions that violated ethics and integrity.

Bank BPD DIY consistently runs a sound business by complying

with various regulations from Bank Indonesia, the Financial

Services Authority, and other laws and regulations.

Duty of supervision over the implementation of the duties of

the Board of Directors was also carried out carefully and the

activities carried out by the Bank have referred to the four eyes

principle & dual control. Reporting was carried out properly

and on time, there were no significant sanctions for the

reports. Meanwhile, business supervision and implementation

activities carried out by both the Board of Commissioners and

the Board of Directors have been approved by the Annual

GMS and granted Full Release and Discharge (Acquit et de

charge).

In order to maintain and improve the quality of governance

implementation, Bank BPD DIY periodically conducts self-

assessment to measure the implementation of governance.

Bank BPD DIY received Composite 2 score from an assessment

that reflected the Bank’s management that has implemented

good Governance in general. GCG implementation at

Bank BPD DIY was also strengthened by the Compliance

Unit which was responsible for determining policies or

making decisions to prevent elements of irregularities, non-

compliance, and even violations on applicable rules and

regulations, and violation on the principle of prudence. The

compliance function also played a role in the Anti-Money

Laundering (APU) and Counter Terrorism Financing (PPT)

program and monitored Suspicious Financial Transactions

(TKM) and Cash Financial Transactions (TKT). The report

was then followed-up to the relevant agencies. Reporting

to relevant authorities is a commitment of Bank BPD DIY to

prevent unlawful actions in conducting banking transactions.

The Board of Commissioners hopes that Bank BPD DIY will



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DIY terus meningkatkan kualitas GCG dengan mengevaluasi

perangkat infrastruktur yang dimiliki serta menyesuaikan

dengan peraturan maupun perundang-undangan yang

terbaru terkait GCG di industri perbankan.

PENGAWASAN WHISTLEBLOWING SYSTEMSebagai komitmen menjalankan binis yang baik dan bersih

dari praktik kecurangan, Bank BPD DIY telah memiliki

Whistleblowing System (WBS). WBS atau sistem pelaporan

pelanggaran ini merupakan sistem yang digunakan untuk

menyampaikan pengaduan terkait praktik kecurangan yang

dilakukan seluruh insan Bank BPD DIY. Sebagai bagian dari

fungsi pengawasan, Dewan Komisaris secara rutin dan

aktif memonitor pengelolaan WBS terkait aduan mengenai

penyimpangan internal maupun indikasi pelanggaran hukum.

Saat ini tengah dilakaukan perbaikan model WBS yang dibuat

dengan model open system.

Dewan Komisaris meminta WBS terus diperkuat, baik dari

sisi monitoring serta keaktifan dalam menindaklanjuti

segala indikasi penyimpangan agar pengelolaan Bank BPD

DIY terbebas dari praktik penyimpangan yang merugikan

perusahaan.

IMPELEMENTASI TATA KELOLA PERUSAHAAN/ GOOD CORPORATE GOVERNANCE (GCG) UNIT USAHA SYARIAHDewan Komisaris menilai Tata Kelola Unit Usaha Syariah juga

sudah dijalankan dengan baik sesuai kaidah dan prinsip syariah

yang berlaku di industri perbankan. Dewan Pengawas

Syariah (DPS), juga sudah menjalankan peran dan fungsinya

untuk memastikan bahwa kegiatan Unit Usaha Syariah Bank

BPD DIY telah benar-benar dilaksanakan berdasarkan prinsip-

prinsip syariah dan tata kelola perusahaan secara Islami yang

berdasarkan Persaudaraan (ukhuwah) Keadilan (adalah)

Kemaslahatan (maslahah) dan Keseimbangan (tawazun) serta

Undang-Undang tentang perbankan syariah dan ketentuan

dari Dewan Syariah Nasional (DSN) yang menjadi pedoman

dalam menjalankan Unit Usaha Syariah.

Kualitas penerapan GCG Unit Usaha Syariah dapat terlihat

dari assessment yang dilakukan mendapatkan nilai komposit

2 Hasil assessment tersebut mencerminkan Unit Usaha Syariah

telah menjalankan kegiatan usahanya sesuai ketentuan dan

peraturan perundang-undangan yang berlaku, termasuk di

dalamnya pada prinsip Syariah dan Fatwa DSN MUI.

continue to improve the quality of GCG by evaluating the

existing infrastructure and adjusting to the latest laws and

regulations related to GCG in the banking industry.

SUPERVISION ON WHISTLEBLOWING SYSTEMAs a commitment to running a good and clean business

from fraud, Bank BPD DIY has a Whistleblowing System

(WBS). WBS or violation reporting system is a system used

to submit complaints related to fraud practices carried out

by all personnel of Bank BPD DIY. As part of the supervisory

function, the Board of Commissioners routinely and actively

monitors the management of the WBS regarding complaints

on internal irregularities and indications of violations of the

law. Bank BPD DIY is currently improving the WBS made with

open system mode.

The Board of Commissioners requested that the WBS

continue to be strengthened, both in terms of monitoring

and activeness in following up any indications of irregularities

so that the management of Bank DIY BPD is free from the

practice of irregularities that harm the Company.

IMPLEMENTATION OF GOOD CORPORATE GOVERNANCE OF SHARIA BUSINESS UNIT

The Board of Commissioners assesses that the Sharia Business

Unit Management has been carried out properly according to

the principles and sharia principles that apply in the banking

industry. The Sharia Supervisory Board (DPS) has also carried

out its role and function to ensure that the activities of Sharia

Business Unit of Bank BPD DIY have been truly implemented

based on Sharia principles and corporate governance based

on Brotherhood (ukhuwah) Justice (adalah) Benefit (maslahah)

and Balance (tawazun) as well as the Law on sharia banking

and the provisions of the National Sharia Council (DSN) which

are guidelines in running the Sharia Business Unit.

The quality of the implementation of Sharia Business Unit

GCG can be seen from the assessment carried out to obtain a

composite value 2 The results of the assessment indicate that

the Sharia Business Unit has carried out its business activities

in accordance with the prevailing laws and regulations,

including the Sharia principles and the MUI DSN Fatwa.


PANDANGAN ATAS PROSPEK USAHA YANG DISUSUN OLEH DIREKSIDewan Komisaris menilai tahun 2019 industri perbankan masih

diliputi berbagai tantangan yang cukup berat. Diantaranya

ketidakpastian ekonomi global serta perubahan prilaku

nasabah yang beralih pada digital economy. Dewan Komisaris

memandang Direksi serta Manajemen telah menyiapkan

langkah antisasipasi yang dengan menyusun Rencana Bisnis

Bank Tahun 2019 sehingga kinerja Bank BPD DIY bisa lebih

fokus dan terarah diantaranya menekankan pada memperkuat

permodalan, meningkatkan fungsi Governance, Risk and

Compliance yang berkelanjutan, mempertahankan market

share kredit dan pembiayaan, mempertahankan market

share dana, melanjutkan pengembangan digital banking

untuk menyasar generasi milenial, meningkatkan kualitas dan

kuantitas SDM serta menerapkan budaya kerja “ISTIMEWA”,

optimalisasi potensi pendapatan dan penggunaan biaya yang

efektif untuk menghasilkan laba yang optimal dan melanjutkan

proses spin off Unit Usaha Syariah (UUS).

Sementara, berkemban

kilas kinerja 2018laporan tahunan 2018 annual report 1 rp11.993 rp8.863 rp7.478 rp223 rp miliar / rp...

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