Foreign Currency Statutory Reserves

Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 190 6. Berkoordinasi kepada Divisi lain yang melakukan kerjasama dengan mitra kerja agar penyaluran pembayaran melalui rekening giro di BPD Kaltim. 7. Memberikan hadiah langsung kepada nasabah giro swasta Individu dan Korporasi dengan system poin. 8. Perlu adanya regulasi yang mengatur aktiitas keuangan operasional debitur kredit tetap berada di BPD Kaltim. 9. Penetrasi pembukaan rekening giro BUMDesa oleh setiap cabang BPD Kaltim. Selanjutnya untuk produk tabungan, pada akhir tahun 2016 telah mencapai target sebesar 76,66 dari yang telah direncanakan. Adapun rincian pencapaian tersebut dapat dilihat pada diagram berikut ini. Pencapaian DPK Berdasarkan Produk | DPK Achievement Based on Products Simpeda Prama TabunganKu Tabungan Berkah Tabungan Al-Amin Tabungan Simpel 3,486,248.00 1,488,598.00 352,583.00 281,136.00 37,810.00 16,583.00 dalam jutaan rupiah in million rupiah Kendala umum pencapaian DPK dalam bentuk tabungan di tahun 2016 adalah belum maksimalnya program-program funding yang telah berjalan. Selain itu basis teknologi turut menjadi perhatian utama dalam pengembangan produk dan jasa tabungan untuk kembali meningkatkan DPK. Dalam rangka mengangkat kembali pencapaian DPK jenis tabungan, BPD Kaltim akan melakukan strategi dalam pencapaian DPK Tabungan diantaranya: 1. Optimalisasi pemasaran produk tabungan diseluruh jaringan kantor cabang BPD Kaltim 2. Perlu adanya regulasi yang mengatur aktiitas keuangan operasional debitur kredit tetap berada di BPD Kaltim. 6. Coordinate to another division that cooperate with partners so that the distribution of payments made through a current account in BPD Kaltim. 7. Give a gift directly to the private current account customers individual and corporate with points system. 8. There should be regulations that regulate the operations of inancial activities of debtors which remain in BPD Kaltim. 9. Penetration of BUMDesa current account opening by every branch of BPD Kaltim. Furthermore, for a savings product, by the end of 2016 it has reached the target of 76.66 of the planned. The details of these achievements can be seen in the diagram below: The common obstacles of third party funds achievement in savings in 2016, is not yet maximal the funding programs that have been run. Besides, technological base also become a major concern in the development of savings products and services to increase third party funds again. In order to revive the achievement of third party funds on the type of savings, BPD Kaltim will carry out the strategy in the achievement of Third Party Funds of Savings includes: 1. Optimization of savings products marketing throughout the BPD Kaltim branch oices network. 2. There should be regulations that regulate the activities of inancial operations of credit debtors so that debtors will remain in BPD Kaltim. Laporan Tahunan 2016 | BANKALTIM 191 2016 annual report | BANKALTIM 3. Meningkatkan kerjasama dengan Lembaga Eksternal atau Komunitas. 4. Meningkatkan kerjasama dengan Lembaga Vertikal. 5. Peningkatan pemasaran kepesertaan nasabah prioritas di tabungan dimulai dari Rp 250 Juta 6. Mengatur standarisasi reward dan punishment tenaga pemasaran sehingga memotivasi tenaga pemasar dalam mencapai target. 7. Peningkatan pelayanan terhadap nasabah ex: kecepatan dalam melakukan transaksi 8. Bersinergi dengan unit terkait mengevaluasi syarat dan ketentuan penggunaan jasa perbankan BPD Kaltim yang pembayarannya melalui rekening tabungan agar diterapkan saldo mengendap ketentuan lain yang dapat meningkatkan DPK. Selain Giro dan Tabungan, salah satu produk BPD Kaltim dalam menunjang peningkatan DPK adalah Deposito. Pada tahun 2016, pencapaian deposito BPD Kaltim mencapai 87,41 dari target yang telah direncanakan. Untuk meningkatkan pencapaian deposito kedepannya, strategi yang akan dilakukan BPD Kaltim adalah sebagai berikut. 1. Pemasaran produk deposito dengan suku bunga yang kompetitif kepada perusahaan BUMN maupun swasta Asset Management, DPLK Jiwasraya, BPJS Kesehatan dll di wilayah DKI Jakarta sampai dengan semester I; 2. Menggali nasabah prioritas yang existing untuk mendapatkan referensi rekanan yang dapat diprospek menjadi nasabah potensial. Kegiatan Kerjasama Korporasi Selama Tahun 2016 a. Kerjasama dengan PT. BPR Bepede Kutai Sejahtera tentang Pemanfaatan Jaringan ATM, menghasilkan fee based income atas transaksi dari nasabah BPR; b. Kerjasama antara Badan Pendapatan Daerah Provinsi Kalimantan Timur, Direktorat Lalu Lintas Polda Kalimantan Timur, PT. Jasa Raharja Persero Cabang Kaltim dan Bank Pembangunan Daerah Kalimantan Timur tentang Pelayanan Pembayaran Pajak Kendaraan Bermotor PKB, Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan SWDKLLJ Dan Pembayaran Penerimaan Negara Bukan Pajak PNBP Pengesahan Surat Tanda Nomor Kendaraan Bermotor STNK Serta Registrasi Dan Identiikasi Kendaraan Bermotor. 3. Increase cooperation with the External Institution or Community. 4. Increase cooperation with Vertical Institute. 5. Increased marketing of membership priority customers in savings starting from IDR 250 million. 6. Set the standardization of sales force reward and punishment to motivate the sales force to reach their target. 7. Increasing services to customers ex: speed in the transaction 8. Synergy with related units to evaluate the terms and conditions of use of BPD Kaltim banking services which payment through savings accounts so that applied balance to settle other provisions that may increase third party funds. Besides Current Account and Savings, one of the products of BPD Kaltim in supporting the improvement of Third Party Funds is Deposit. In 2016, the achievement of BPD Kaltim deposits reached 87.41 of the planned target. To improve the achievement of the deposits in the future, the strategy will be carried out by BPD Kaltim is as follows: 1. Deposit product marketing with a competitive interest rates for the state-owned and private companies Asset Management, Jiwasraya Pension Fund, BPJS etc. in Jakarta until the irst semester; 2. Dig existing priority customers to get a reference partner that can be a potential client. Cooperation activities of Corporations During 2016 a. Cooperation with PT. BPR Bepede Kutai Sejahtera on ATM Network Utilization, generate fee-based income on transactions of BPR customers; b. Cooperation between Revenue Agency of East Kalimantan Province, Directorate of Traic of East Kalimantan Regional Police, PT. Jasa Raharja Persero branch of East Kalimantan and East Kalimantan Regional Development Bank about Motor Vehicle Tax PKB Payment Services, Mandatory Contribution of Road Traic Accidents Fund SWDKLLJ and Payment of Non Tax State Revenues, Vehicle Number Certiicate Ratiication STNK, as well as the Motor Vehicle Registration and Identiication, Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 192 Pengesahan STNK Tahunan Di Daerah Hukum Kepolisian Daerah Kalimantan Timur Melalui Seluruh Unit Kerja Dan Jaringan Elektronik E- Bank Pembangunan Daerah Kalimantan Timur E-Samsat. Perjanjian kerjasama ini menghasilkan fee based income dari setiap transaksi melalui mesin ATM BPD Kaltim; c. Kerjasama antara IBS Indonesia Banking School dengan BPD Kaltim hal Penggunaan dan Pemberian Fasilitas, Layanan Perbankan, Beasiswa, program Magang, dan Bentuk Promosi Lainnya. Perjanjian kerjasama ini menghasilkan Dana Pihak Ketiga DPK dalam bentuk CASA; d. Kerjasama dengan PT. Telekomunikasi Selular dan PT. Finnet Indonesia tentang Pengisian Ulang Pulsa Kartu Prabayar Telkomsel. Perjanjian kerjasama ini menghasilkan Dana Pihak Ketiga DPK dalam bentuk pendapatan fee base melalui transaksi pembelian pulsa Telkomsel; e. Kerjasama dengan PT. Asuransi Bangun Askrida, PT. Asuransi Asei Indonesia, dan PT. Bosowa Asuransi tentang Penutupan Asuransi Kerugian. Perjanjian kerjasama ini menghasilkan Dana Pihak Ketiga DPK, dari hasil kerjasama ini bank mendapatkan keuntungan berupa fee base income; f. Kerjasama dengan PT. Singosari Boga Indah, dan PT. Angkasa Pura I Persero tentang Fasilitas Lounge Bandar Udara. Perjanjian kerjasama ini menghasilkan Dana Pihak Ketiga DPK dalam bentuk penempatan deposito dan giro nasabah prioritas; g. Kerjasama dengan PT. Garuda Indonesia Persero Tbk tentang Penjualan Korporasi. Perjanjian kerjasama ini menghasilkan Dana Pihak Ketiga DPK dalam bentuk diskon pembelian tiket pesawat terbang. annual vehicle registration ratiication in the areas of East Kalimantan Police Law through entire work unit and Electronic Network E- of East Kalimantan Regional Development Bank E-Samsat. This agreement resulted in fee-based income from each transaction through the ATM machine of BPD Kaltim; c. Cooperation between the IBS Indonesia Banking School with BPD Kaltim concerning the Use and Provision of Facilities, Banking Services, Scholarships, Internships program, and other forms of Promotion. This agreement resulted in the Third Party Funds TPF in the form of CASA; d. Cooperation with PT. Telekomunikasi Selular and PT. Finnet Indonesia about Telkomsel Prepaid Cards Voucher Refueling. This agreement resulted in the Third Party Funds TPF in the form of fee base income through Telkomsel credit purchase transactions; e. Cooperation with PT. Asuransi Bangun Askrida, PT. Asuransi Asei Indonesia, and PT. Bosowa Asuransi about Closure of Loss Insurance. This agreement resulted in third party funds DPK, from this collaboration, bank gain beneit in the form of fee base income; f. Cooperation with PT. Singosari Boga Indah and PT. Angkasa Pura I Persero about Airport Lounge Facilities. This agreement resulted in the Third Party Funds TPF in the form of time deposits and current accounts of priority customers; g. Cooperation with PT. Garuda Indonesia Persero Tbk on the sale of the corporation. This agreement resulted in the Third Party Funds TPF in the form of airfares purchase discount. Laporan Tahunan 2016 | BANKALTIM 193 2016 annual report | BANKALTIM Diagram Komposisi Saham PT. BPR Kutai Timur | Diagram of PT. BPR Kutai Timur Composition BPD Kaltim | BPD Kaltim Pemkab Kutim | Regency Government Pihak Swasta | Private Parties 15.75 13.39 70.87 Diagram Komposisi Saham PT. BPR BePeDe Kutai Sejahtera Diagram of PT. PRB BePeDe Kutai Sejahtera Composition 22.29 77.71 BPD Kaltim Pihak Swasta | Private Parties Diagram. Penyertaan Modal BPD Kaltim | Diagram of BPD Kaltim Capital Investment PT. Sarana Kaltim Ventura PT. Askrida dalam jutaan rupiah in million rupiah 4,500.00 4,000.00 3,500.00 3,000.00 2,500.00 2,000.00 1,500.00 1,000.00 500.00 - 1,630.00 4,077.00 Penyertaan Saham dan Kinerja Keuangan Utama Anak Perusahaan Penyertaan Modal yang dilakukan oleh BPD Kaltim Penyertaan modal BPD Kaltim pada PT. BPR Kutim, PT. BPR Kutai Sejahtera, serta pada Perusahaan lain terlihat pada diagram dibawah ini. Investment in Subsidiary Shares and Financial Key Performance Equity Participation performed by BPD Kaltim BPD Kaltim equity participation in PT. BPR Kutim, PT. BPR Kutai Sejahtera, as well as on other Company visible in the diagram below: Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 194 Kinerja Keuangan Anak Perusahaan PT. BPR BEPEDE KUTAI SEJAHTERA Berkantor di Jl. KH. Akhmad Muksin No.20 RT 05 Tenggarong, dengan Izin Prinsip dari Bank Indonesia No. 8544DPBPR tanggal 24 Agustus 2006 dan Izin Usaha No. 919KEP.GBIDpG2007 tanggal 24 April 2007, dan mulai beroperasi pada tanggal 15 Juni 2007. Pos-pos Keuangan Utama PT. BPR Bepede Kutai Sejahtera posisi akhir Desember 2016 dibandingkan Desember 2015 adalah sebagai berikut : dalam jutaan rupiah in million rupiah No Pos Keuangan Utama | Main Financial Post 2015 2016 Naik Turun | Increase Decrease Nominal | Amount 1 Total Aset | Total Asset 70,681 69,703 978 -1.38 2 Dana Pihak Ketiga | Third party Funds 42,525 40,944 1,581 -3.72 3 Penyaluran Kredit | Credit Disbursement 45,478 47,844 2,366 5.20 4 Laba Kotor | Gross Proit 3,799 3,549 250 -6.58 Dividen yang diterima BPD Kaltim untuk kinerja PT. BPR BePeDe Kutai Sejahtera tahun buku 2016 adalah sebesar Rp 2,133 Milyar mengalami penurunan dari dividen pada tahun buku 2015 yang diterima sebesar Rp 2,393 Milyar. PT. BPR KUTAI TIMUR Berkantor di Jl. Yos Sudarso No. 25 Sangatta, dengan mendapatkan Izin Prinsip dari Bank Indonesia No. 8206DPBPR tanggal 19 April 2006 dan Izin Usaha No. 92Kep.GBIDpG2007 tanggal 19 Januari 2007 dan mulai beroperasi pada tanggal 14 Pebruari 2007. Pos-pos keuangan utama PT. BPR Kutai Timur periode akhir Desember 2016 dibandingkan Desember 2015 Financial Performance of Subsidiaries PT. BPR BEPEDE KUTAI SEJAHTERA Oice on Jl. KH. Akhmad Muksin No. 20 RT 05 Tenggarong, with the Principle License of Bank Indonesia No. 8544DPBPR dated August 24, 2006 and Operating License No. 919KEP.GBIDpG2007, dated April 24, 2007, Main Financial posts PT. BPR Bepede Kutai Sejahtera end position of December 2016 compared to December 2015 are as follows: Dividends received by BPD Kaltim for the performance of PT. BPR BePeDe Kutai Sejahtera inancial year 2016 is IDR 2,133 billion, decrease from dividends in iscal year 2015 received amounted to IDR 2,393 billion. PT. BPR KUTAI TIMUR Oice on Jl. Yos Sudarso No. 25 Sangatta, by getting Principle License from Bank Indonesia No. 8206 DPBPR dated April 19, 2006 and Operating License No. 92KEP.GBIDpG2007 dated January 19, 2007 and commenced its operations on February 14, 2007. The main inancial posts of PT. BPR East Kutai period end of December 2016 compared to December 2015. dalam jutaan rupiah in million rupiah No Pos Keuangan Utama | Main Financial Post 2015 2016 Naik Turun | Increase Decrease Nominal | Amount 1 Total Aset | Total Assets 41,487 39,781 1,706 -4.11 2 Dana Pihak Ketiga | Third Party Funds 15,345 15,859 514 3.35 3 Penyaluran Kredit | Credit Disbursement 23,996 16,522 7,474 -31.15 4 Laba Kotor | Gross Proit 1,993 415 1,578 -79.18 Laporan Tahunan 2016 | BANKALTIM 195 2016 annual report | BANKALTIM Kinerja keuangan PT. BPR Kutai Timur di akhir tahun 2016 sebagian besar pos keuangan mengalami penurunan dari tahun 2016 kecuali Dana Pihak Ketiga DPK mengalami peningkatan sebesar 3,35. Penyertaan BPD Kaltim pada kedua BPR tersebut dikategorikan sebagai perusahaan anak karena Bank memiliki hak suara lebih dari 50 atau hak suara kurang dari 50 tetapi dikarenakan Bank memiliki hak pengendalian seperti mengatur dan menentukan kebijakan inansial atau operasional perusahaan. Atas dasar hal tersebut, maka dalam pelaporan keuangannya dilakukan konsolidasi dengan Laporan Keuangan BPD Kaltim. Perusahaan Analisa Evaluasi Laporan Pengaduan Nasabah Laporan penanganan penyelesaian pengaduan nasabah berikut adalah laporan penanganan penyelesaian pengaduan nasabah berdasarkan format yang telah diberikan oleh Bank Indonesia dan Otoritas Jasa Keuangan. Dimana laporan pengaduan yang disampaikan merupakan pengaduan nasabah yang disebabkan adanya kerugian atau potensi kerugian inansial pada nasabah yang diduga terjadi dikarenakan kesalahan atau kelalaian Bank. Laporan penanganan penyelesaian pengaduan nasabah dilaporkan secara triwulan ke Bank Indonesia maupun ke Otoritas Jasa Keuangan secara online. Sedangkan untuk laporan penanganan pengaduan nasabah terkait penyetoran danatau penarikan uang rupiah dilaporkan secara oline ke Bank Indonesia yang juga dilaporkan secara triwulan. Berikut laporan penanganan dan penyelesaian pengaduan nasabah yang diterima pada Tahun 2016: Financial performance of PT. BPR Kutai Timur at the end of 2016, most inancial posts decreased from 2016 except Third Party Funds TPF, which increased by 3.35. Inclusion of BPD Kaltim on both BPR is categorized as a subsidiaries because the Bank has voting rights more than 50 or the voting rights is less than 50 but because the Bank has a controlling rights such as govern the inancial or operational policy of the company. Based on that, then in the inancial report, it is conducted consolidation with BPD Kaltim Financial Report. Company Analysis and Evaluation of Customer Complaints Reports Reports on the handling and settlement of customer complaints, the following is a report on the handling and settlement of customer complaints based on the format that has been given by Bank Indonesia and Financial Services Authority, where reports of complaints is a customer complaints that caused by loss or potential inancial loss to customers that allegedly occurred due to fault or negligence of the Bank. Reports on the handling and settlement of customer claims are reported on a quarterly basis to Bank Indonesia as well as to the Financial Services Authority by online. As for reports of handling customer complaints related to deposits and or withdrawals of IDR, oline reported to Bank Indonesia and also reported on a quarterly. Reports on the handling and settlement of customer claims that received in 2016 are as follows: Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 196 Penanganan Penyelesaian Pengaduan Nasabah Konsolidasi Pada Tahun 2016 | Consolidated Customer Complaints Handling Settlement In 2016. Graik Jumlah Pengaduan Nasabah Triwulan I sd Triwulan IV Tahun 2016 | Graph Number of Customer Complaints First Quarter - Fourth Quarter 2016 800 700 600 500 400 300 200 100 - TW 1 TW 2 TW 3 TW 4 609 595 752 671 Banyaknya Pengaduan | Number of Complaints Pengaduan yang diterima pada graik di atas merupakan pengaduan konsolidasi yang diterima oleh 17 Kantor Cabang BPD Kaltim melalui laporan pengaduan nasabah yang diterima setiap bulannya oleh Deperteman Contact Center Complaint Handling, serta pengaduan yang diterima oleh Layanan Bankaltim Call Center selama Triwulan I sampai dengan Triwulan IV tahun 2016. 500 1,000 1,500 2,000 2,500 3,000 2016 2015 TW IV TW III TW II TW I 609 595 752 671 2,783 2,809 1,127 597 Graik Perbandingan Jumlah Pengaduan Nasabah Tahun 2015 2016 | Graph Comparison of Customer Complaints 2015 2016 Graik diatas merupakan perbandingan jumlah pengaduan yang diterima pada tahun 2015 dan tahun 2016. Terlihat bahwa pada tahun 2016, pengaduan nasabah yang diterima mengalami penurunan pada tiap triwulan pelaporan terkecuali pada triwulan IV. Penurunan pengaduan pada tahun 2016 dibandingkan dengan tahun 2015 adalah sebesar 36, penurunan ini terjadi karena petugas penerima pengaduan sebagian besar telah memahami hal- hal yang perlu dilaporkan atau tidak. Complaints received on the above chart is a consolidation of complaints received by 17 Branch of BPD Kaltim through reports of customer complaints received each month by Department of Contact Center Complaint Handling, and complaints received by the Bankaltim Service Call Center during the irst quarter to the fourth quarter of 2016. The graph above is a comparison of the number of complaints received in 2015 and 2016. It appears that in 2016, received customer complaints has decreased in the reporting of each quarter with the exception of the fourth quarter. The decline in complaints in 2016 compared to 2015 is 36, this decrease occurs because the complaints receiver oicer have largely understand the things that need to be reported or not. Laporan Tahunan 2016 | BANKALTIM 197 2016 annual report | BANKALTIM Laporan yang tidak perlu dilaporkan adalah laporan yang tidak berpotensi menimbulkan kerugian pada nasabah antara lain: • Peng-aktifannon aktif itur sms banking. • Pembukaanpenutupan rekening. • Penggantian buku tabungan karena sudah penuh. • Penggantian kartu ATM karena sudah tidak terbaca mesin. Pengaduan Nasabah Konsolidasi Berdasarkan Jenis Produk dan Permasalahan. a. Pengaduan Nasabah Konsolidasi Triwulan I tahun 2016. Graik Pengaduan Nasabah Triwulan I 2016 | Graph Customer Complaints in First Quarter 2016 The report does not need to be reported are the reports that are not potentially cause harm to customers, include: • Activation deactivation of SMS banking features. • Opening closing of accounts. • Replacement of a savings book because it is full. • Replacement of ATM card because it was not readable by the machine. Customer Complaints Consolidated based on Product Type and Problems. a. Customer Complaints Consolidated in irst quarter of 2016. Pengaduan Berdasarkan Produk Permasalahan TW I 2016 | Complaints by Product problems | TW | 2016 450 400 350 300 250 200 150 100 50 408 180 2 2 3 ATM dan atau Kartu Kredit | ATM and or Credit card Kliring Electronic Banking Biaya AdministrasiProvisiTransaksi | Administrative Costs Fees Transaction KegagalanKeterlambatan Transaksi | Failure Delay of Transaction Jumlah TagihanSaldo Rekening | Amount Account Balance Pengaduan Nasabah Diselesaikan Pada Masa Laporan TW I 2016 | Customer Complaints Resolved On | TW Reporting period 2016 Sedang dalam proses penyelesaian In the process of completion Diselesaikan melebihi jangka waktu yang ditetapkan 40 HK Completed over a period of time set 40 Working Days Telah diselesaikan dengan perpanjangan waktu maks. 40 HK Has been completed with an extension of tie Max. 40 Working Days Telah diselesaikan tanpa perpanjangan waktu maks. 40 HK Has been completed without overtime Max. 40 Working Days 26 583 0 100 300 500 200 400 600 Terkait Sistem Pembayaran Payment System Related Beyond Payment System Diluar Sistem Pembayaran 0 50 150 250 200 300 350 400 450 100 Terkait Sistem Pembayaran Payment System Related Diluar Sistem Pembayaran Beyond Payment System Cause of Customer Complaints I TW 2016 Penyebab Pengaduan Nasabah TW I 2016 166 437 3 3 Kelalaian Bank | Bank negligence Kelalaian Nasabah | Customer’s failure PerubahanPemutusan AkadPerjanjianKontrak | Changes Agreement Termination Agreement Contract GangguanKerusakan ATMPayment Point | Disturbance ATM damage Payment Point Gangguan GangguanKerusakan Perangkat Sistem Teknologi Informasi Insuicient Production Information Informasi Produksi Kurang Memadai Insuicient Production Information Pemahaman Karakteristik Produk oleh Nasabah Understanding of Product Characteristics by customer Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 198 a. Pengaduan Nasabah Konsolidasi Triwulan II tahun 2016. Graik Pengaduan Nasabah Triwulan II 2016 | Graph Customer Complaints in Second Quarter 2016 b. Pengaduan Nasabah Konsolidasi Triwulan III tahun 2016. Graik Pengaduan Nasabah Triwulan III 2016 | Graph Customer Complaints in Third Quarter 2016 a. Customer Complaints Consolidated in second quarter of 2016. b. Customer Complaints Consolidated in third quarter of 2016. Pengaduan Berdasarkan Produk Permasalahan TW II 2016 Complaints by Product problems II TW 2016 450 400 350 300 250 200 150 100 50 408 180 2 2 3 ATM dan atau Kartu Kredit Kliring Electronic Banking Biaya AdministrasiProvisiTransaksi | Administrative Costs Fees Transaction KegagalanKeterlambatan Transaksi | Failure Delay of Transaction Jumlah TagihanSaldo Rekening | Amount Account Balance 38 557 0 100 300 500 200 400 600 Terkait Sistem Pembayaran Payment System Related Beyond Payment System Diluar Sistem Pembayaran 0 50 150 250 200 300 350 400 450 100 Payment System Related Beyond Payment System Terkait Sistem Pembayaran Diluar Sistem Pembayaran Penyebab Pengaduan Nasabah TW II 2016 202 389 4 ATM and or Credit card Pengaduan Nasabah Diselesaikan Pada Masa Laporan TW II 2016 Customer Complaints Resolved On II TW Reporting period 2016 Cause of Customer Complaints II TW 2016 Sedang dalam proses penyelesaian In the process of completion Diselesaikan melebihi jangka waktu yang ditetapkan 40 HK Completed over a period of time set 40 Working Days Telah diselesaikan dengan perpanjangan waktu maks. 40 HK Has been completed with an extension of time Max. 40 Working Days Telah diselesaikan tanpa perpanjangan waktu maks. 40 HK Has been completed without overtime Max. 40 Working Days Kelalaian Bank | Bank Negligence Kelalaian Nasabah | Customer’s Failure PerubahanPemutusan AkadPerjanjianKontrak Changes Agreement Termination Agreement Contract GangguanKerusakan ATMPayment Point Disturbance ATM damage Payment Point GangguanKerusakan Perangkat Sistem Teknologi Informasi Disturbance Information Technology Devices Systems damage Informasi Produksi Kurang Memadai Insuicient Production Information Pemahaman Karakteristik Produk oleh Nasabah Understanding of Product Characteristics by customer Pengaduan Berdasarkan Produk Permasalahan TW III 2016 Complaints by Product problems III TW 2016 Customer Complaints Resolved On III TW Reporting period 2016 Pengaduan Nasabah Diselesaikan Pada Masa Laporan TW III 2016 700 600 500 400 300 200 100 605 146 1 ATM dan atau Kartu Kredit Kliring RTGS Penyebab Pengaduan Nasabah TW III 2016 Cause of Customer Complaints III TW 2016 100 300 500 400 600 200 167 2 581 2 Biaya AdministrasiProvisiTransaksi | Administrative Costs Fees Transaction KegagalanKeterlambatan Transaksi | Failure Delay of Transaction Jumlah TagihanSaldo Rekening | Amount Account Balance Payment System Related Beyond Payment System Terkait Sistem Pembayaran Diluar Sistem Pembayaran Payment System Related Beyond Payment System Terkait Sistem Pembayaran Diluar Sistem Pembayaran ATM and or Credit card Kelalaian Nasabah | Customer’s Failure Kelalaian Bank | Bank Negligence GangguanKerusakan Perangkat Sistem Teknologi Informasi Disturbance Information Technology Devices Systems damage Informasi Produksi Kurang Memadai Insuicient Production Information Pemahaman Karakteristik Produk oleh Nasabah Understanding of Product Characteristics by customer Kelalaian Nasabah | Customer’s Failure 700 800 600 Telah diselesaikan dengan perpanjangan waktu maks. 40 HK Has been completed with an extension of time Max. 40 Working Days Sedang dalam proses penyelesaian In the process of completion 19 0 100 300 500 200 400 Diselesaikan melebihi jangka waktu yang ditetapkan 40 HK Completed over a period of time set 40 Working Days Telah diselesaikan tanpa perpanjangan waktu maks. 40 HK Has been completed without overtime Max. 40 Working Days 733 PerubahanPemutusan AkadPerjanjianKontrak Changes Agreement Termination Agreement Contract GangguanKerusakan ATMPayment Point Disturbance ATM damage Payment Point Laporan Tahunan 2016 | BANKALTIM 199 2016 annual report | BANKALTIM c. Pengaduan Nasabah Konsolidasi Triwulan IV tahun 2016. Graik Pengaduan Nasabah Triwulan IV 2016 Graph Customer Complaints in Fourth Quarter 2016 Maka jumlah pengaduan konsolidasi yang diterima pada tahun 2016 adalah: 2.000 1.800 1.600 1.400 1.200 1.000 800 600 400 200 - 4 1.905 3 692 16 7 ATM dan atau Kartu Kredit Kliring Electronic Banking RTGS c. Customer Complaints Consolidated in fourth quarter of 2016. Then, the number of complaints consolidation received in 2016 is : Biaya AdministrasiProvisiTransaksi | Administrative Costs Fees Transaction KegagalanKeterlambatan Transaksi | Failure Delay of Transaction Jumlah TagihanSaldo Rekening | Amount Account Balance ATM and or Credit card Pengaduan Berdasarkan Produk Permasalahan TW IV 2016 Complaints by Product problems IV TW 2016 450 400 350 300 250 200 150 100 50 445 208 13 5 ATM dan atau Kartu Kredit Kliring Electronic Banking RTGS Pengaduan Nasabah Diselesaikan Pada Masa Laporan TW IV 2016 Customer Complaints Resolved On IV TW Reporting period 2016 Penyebab Pengaduan Nasabah TW IV 2016 Cause of Customer Complaints IV TW 2016 0 50 150 250 400 200 350 300 450 100 217 1 437 16 Biaya AdministrasiProvisiTransaksi | Administrative Costs Fees Transaction KegagalanKeterlambatan Transaksi | Failure Delay of Transaction Jumlah TagihanSaldo Rekening | Amount Account Balance Payment System Related Beyond Payment System Terkait Sistem Pembayaran Diluar Sistem Pembayaran Payment System Related Beyond Payment System Terkait Sistem Pembayaran Diluar Sistem Pembayaran ATM and or Credit card 42 629 700 0 100 300 500 200 400 600 Sedang dalam proses penyelesaian In the process of completion Diselesaikan melebihi jangka waktu yang ditetapkan 40 HK Completed over a period of time set 40 Working Days Telah diselesaikan dengan perpanjangan waktu maks. 40 HK Has been completed with an extension of time Max. 40 Working Days Telah diselesaikan tanpa perpanjangan waktu maks. 40 HK Has been completed without overtime Max. 40 Working Days Kelalaian Bank | Bank Negligence Kelalaian Nasabah | Customer’s Failure PerubahanPemutusan AkadPerjanjianKontrak Changes Agreement Termination Agreement Contract GangguanKerusakan ATMPayment Point Disturbance ATM damage Payment Point GangguanKerusakan Perangkat Sistem Teknologi Informasi Disturbance Information Technology Devices Systems damage Informasi Produksi Kurang Memadai Insuicient Production Information Pemahaman Karakteristik Produk oleh Nasabah Understanding of Product Characteristics by customer Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 200 Dengan rincian sebagai berikut: Jumlah P engaduan 120 100 80 60 40 20 - 300 250 200 150 100 50 - JAN FEB MAR APR MEI JUN JUL AGT SEP OKT NOV DES KLIRING 60 50 48 76 59 45 54 64 28 112 52 44 RTGS - 1 - - - - 1 - - - - 5 ELECTRONIC BANKING - - - 1 1 1 - - - 9 3 1 ATM DAN ATAU KARTU REDIT | ATM and or Credit card 148 167 135 126 154 132 281 204 120 112 159 146 Graik Pengaduan Nasabah Berdasarkan Produk Permasalahan per Bulan Tahun 2016 Graph Customer Complaints by Product Issues per month 2016 Total pengaduan konsolidasi Kantor Pusat dan seluruh Kantor Cabang pada tahun 2016 adalah sebanyak 2.627 pengaduan. Dengan rincian sebagai berikut: • Pengaduan tertinggi terjadi pada bulan Juli 2016, mengingat bahwa pada bulan tersebut terdapat Hari Raya Idul Fitri 1437 H pada tanggal 06-07 Juli 2016 dan tutupnya operasional kantor BPD Kaltim selama 5 hari kerja yaitu sejak tanggal 04 Juli 2016 sampai dengan 08 Juli 2016 yang mengakibatkan nasabah melakukan transaksi melalui mesin ATM cenderung lebih tinggi. • Sebanyak 1.912 pengaduan terkait kartu ATM BPD Kaltim baik yang digunakan melalui mesin ATM BPD Kaltim atau menggunakan mesin ATM Bersama dan ATM Prima dengan 1.905 pengaduan dikarenakan kegagalan transaksi, 4 pengaduan dikarenakan biaya administrasi serta 3 pengaduan dikarenakan saldo rekening. • Sebanyak 692 pengaduan terkait Kliring dan 7 pengaduan terkait RTGS dikarenakan kegagalan transaksi, hal ini disebabkan adanya kesalahan nasabah dalam penulisan slip pada saat proses pengirimin Kliring maupun RTGS sehingga dana tidak sampai kepada rekening tujuan. The details are as follows: Total consolidated complaint of Headquarters and all Branch Oices in 2016 was as much as 2,627 complaints. The details are as follows: • The highest complaint occurred in July 2016, given that during the month there is Idul Fitri 1437 H on 6 to 7 July 2016 and BPD Kaltim operational lid for 5 working days from the date July 4, 2016 until July 8, 2016 which resulted in customers to make transactions through ATM machines tend to be higher. • A total of 1,912 complaints relating to BPD Kaltim ATM cards both of which are used by BPD Kaltim ATM machine or use the ATM Bersama and ATM Prima machines with 1,905 complaints due the failure of the transaction, four complaints because of the administrative costs and three complaints because the balance account. • A total of 692 complaints related to the Clearing and 7 complaints relating to RTGS due to the transaction failure, due to customer error in writing the slip during the Clearing as well as RTGS shipping process so that funds are not up to the destination account. Laporan Tahunan 2016 | BANKALTIM 201 2016 annual report | BANKALTIM • Sebanyak 16 pengaduan terkait electronic banking dikarenakan kegagalan transaksi, hal ini disebabkan gagalnya proses transaksi nasabah seperti pembelian pulsa melalui layanan Bankaltim SMS. Graik Pengaduan Nasabah Tahun 2016 | Graph Customer Complaint 2016 Pengaduan nasabah yang diterima pada tahun 2016 telah diselesaikan tanpa perpanjangan waktu maksimal 20 hari kerja adalah sebanyak 2.585 pengaduan serta 42 pengaduan masih dalam proses penyelesaian. 42 pengaduan ini diterima pada minggu terakhir bulan pelaporan Desember 2016 dan diselesaikan bulan berikutnya Januari 2017 sehingga masih dikategorikan pengaduan yang sedang dalam proses penyelesaian. Penyebab pengaduan tertinggi pada tahun 2016 adalah dikarenakan adanya gangguankerusakan ATM yang mengakibatkan gagalnya proses transaksi nasabah seperti tarik tunai atau transfer dana baik melalui mesin ATM BPD Kaltim atau melalui ATM Prima dan ATM Bersama. Sedangkan pengaduan dikarenakan adanya gangguan perangkat sistem teknologi informasi mengakibatkan gagalnya transaksi nasabah saat menggunakan layanan SMS Banking. Penyebab pengaduan dikarenakan gangguankerusakan perangkat dan sistem teknologi informasi, antara lain adalah kegagalan transaksi nasabah pada saat penggunaan layanan SMS Banking gagal transfer dan gagal pembelian pulsa. Penyebab pengaduan dikarenakan gangguan kerusakan ATMPayment Point, antara lain adalah kegagalan transaksi nasabah gagal transfer, tarik tunai dan gagal pembelian pulsa melalui mesin ATM BPD Kaltim atau melalui ATM Prima dan ATM Bersama. • A total of 16 complaints related to electronic banking, due to the failure of the transaction, this is due to the failure of customer transactions process such as the purchase of credit through Bankaltim SMS services. Customer complaints received in 2016 has been settled without overtime a maximum of 20 working days is as much as 2,585 complaints and 42 complaints are still in the completion process. 42 complaints received in the last week of reporting December 2016 and completed in the next month January 2017 that is still categorized as a complaint is being in the process of completion. The highest cause of complaints in 2016 was due to the disturbance damage to the ATM which resulted in the failure of customer transactions process such as cash withdrawals or transfer of funds through BPD Kaltim ATM machine or through ATM Prima and ATM Bersama. While complaints due to disruption in information technology systems devices resulting in the failure of customer transactions when using SMS Banking service. The cause of complaints due to interference damage to equipment and information technology systems, among others, is the failure of customer transactions at the time of use of SMS Banking service transfer failed and credit purchase failed. The cause of complaints due to disruption ATM damage Payment Point, among others, is a failure of customer transactions failed of transfer, cash withdrawal and failed of credit purchase through the BPD Kaltim ATM machine or through ATM Prima and ATM Bersama. Pengaduan Nasabah Diselesaikan Pada Masa Laporan TW I - TW IV 2016 Customer Complaints Resolved On Period Reports of TW I - TW IV of 2016 42 2.585 500 1500 2500 1000 2000 3000 Cause of Customer Complaints in TW I - TW IV 2016 Penyebab Pengaduan Nasabah TW I - TW IV 2016 Payment System Related Beyond Payment System Terkait Sistem Pembayaran Diluar Sistem Pembayaran Payment System Related Beyond Payment System Terkait Sistem Pembayaran Diluar Sistem Pembayaran Sedang dalam proses penyelesaian In the process of completion Diselesaikan melebihi jangka waktu yang ditetapkan 40 HK Completed over a period of time set 40 Working Days Telah diselesaikan dengan perpanjangan waktu maks. 40 HK Has been completed with an extension of time Max. 40 Working Days Telah diselesaikan tanpa perpanjangan waktu maks. 40 HK Has been completed without overtime Max. 40 Working Days 6 25 1.844 752 500 1000 1500 2000 Kelalaian Bank | Bank Negligence Kelalaian Nasabah | Customer’s Failure PerubahanPemutusan AkadPerjanjianKontrak Changes Agreement Termination Agreement Contract GangguanKerusakan ATMPayment Point Disturbance ATM damage Payment Point GangguanKerusakan Perangkat Sistem Teknologi Informasi Disturbance Information Technology Devices Systems damage Informasi Produksi Kurang Memadai Insuicient Production Information Pemahaman Karakteristik Produk oleh Nasabah Understanding of Product Characteristics by customer Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 202 Penyebab pengaduan dikarenakan kelalaian nasabah, antara lain adalah Nasabah salah dalam menuliskan rekening tujuan pada saat transaksi kliring atau RTGS sehingga dana diretur. Penyebab pengaduan dikarenakan kelalaian bank, antara lain adalah Petugas salah melakukan panginputan transaksi nasabah pada sistem. Graik Perbandingan Pengaduan Nasabah Tahun 2015 2016 | Graph Customer Complaint Comparison 2015 2016 Graik Pengaduan Nasabah Terkait Tarik Tunai di ATM Periode April-Juni 2016 | Graph Customer Complaints Related to Cash Withdrawal at ATM on period from April to June 2016 ATM BPD Kaltim ATM Bersama ATM Prima 100 95 90 85 80 75 TW I TW II TW III TW IV 298 288 457 33 282 39 33 29 20 2 1 4 ATM Prima ATM Bersama ATM BPD Kaltim 200 400 600 800 1000 1200 1400 - 1.311 14 132 23 2 4 The cause of customer complaints due to negligence, among others, is customer error in writing the destination account when the transaction of clearing or RTGS so that the funds is in return. The cause of complaints due to the negligence of the bank, among other is the oicer mistake in inputting customer transactions on the system. Pengaduan Berdasarkan Produk Tahun 2015 2016 Complaints Based on Product on 2015 2016 Penyebab Pengaduan Nasabah Tahun 2015 2016 Cause of Customer Complaints on 2015 2016 2016 2015 Renittance Electronic Banking RTGS Kliring ATM dan atau Kartu Debit 6.668 1 1 116 30 326 16 157 1.912 692 7 16 1 - 1000 3000 5000 7000 2000 4000 6000 8000 2016 2015 Kredit Konsumsi Consumer credit Deposito Deposit Tabungan Saving Giro Current Account 2.301 326 25 4 32 2 4.625 1.912 752 26 6 5000 4500 - 500 1500 2500 3500 1000 2000 3000 4000 Kelalaian Bank | Bank Negligence Kelalaian Nasabah | Customer’s Failure PerubahanPemutusan AkadPerjanjianKontrak Changes Agreement Termination Agreement Contract GangguanKerusakan ATMPayment Point Disturbance ATM damage Payment Point GangguanKerusakan Perangkat Sistem Teknologi Informasi Disturbance Information Technology Devices Systems damage Informasi Produksi Kurang Memadai Insuicient Production Information Pemahaman Karakteristik Produk oleh Nasabah Understanding of Product Characteristics by customer Laporan Tahunan 2016 | BANKALTIM 203 2016 annual report | BANKALTIM Transaksi yang dilaporkan terkait tarik tunai di ATM selama tahun 2016 terdiri dari 1.325 pengaduan transaksi di ATM BPD Kaltim, 134 pengaduan transaksi di ATM Bersama dan 27 pengaduan transaksi di ATM Prima. Pengaduan dikarenakan adanya kegagalan dalam transaksi yaitu transaksi tarik tunai gagal namun mengakibatkan saldo nasabah berkurang atau terdebet. Proses penyelesaian yang dilakukan adalah dilakukannya pengecekan oleh unit terkait, maka apabila pengaduan yang dilaporkan benar, dana nasabah akan dikembalikan. Sebanyak 20 pengaduan yang saat ini masih dalam proses penyelesaian di unit E-banking masing- masing kantor cabang dan unit E-Banking kantor pusat BPD Kaltim. Untuk pengaduan transaksi gagal di ATM BPD Kaltim, penyelesaian dilakukan oleh unit E-Banking masing-masing kantor cabang. Sedangkan pengaduan transaksi gagal di ATM Bersama dan ATM Prima, penyelesaiannya dilakukan oleh E-Banking Kantor Pusat. Analisa Evaluasi Laporan Bankaltim Call Center Jumlah Telepon Masuk Ke Bankaltim Call Center sampai dengan Desember 2016. Jumlah telepon yang masuk ke Bankaltim Call Center pada tanggal sampai dengan bulan Desember 2016 dapat dilihat pada graik berikut. Graik Jumlah Telepon Masuk Ke Bankaltim Call Center Periode Januari 2016-Desember 2016 | Graph Number of Phone Log to the Call Center of Bankaltim period January 2016 - December 2016 JAN 16 FEB 16 M AR 16 APR 16 M AY 16 JUN 16 JUL 16 AUG 16 SEP 16 OC T 16 NO V 16 DEC 16 0541-738877 0800-1-738877 TOTAL 5.734 4.398 5.649 6.197 5.244 6.073 6.174 6.391 6.069 5.831 5.824 8.228 12.000 10.000 8.000 6.000 4.000 2.000 - Transactions reported related to cash withdrawals at ATMs during 2016 consisted of 1,325 complaints of transactions at ATM BPD Kaltim, 134 complaints of transactions at ATM Bersama and 27 complaints of transactions at ATM Prima. Complaints due to a failure in the transaction whch is cash withdrawal transaction that failed, but resulted in reduced customer balances or debited. The process of settlement is done through checking by the relevant units, so if complaints were reported correctly, clients’ funds would be returned. A total of 20 complaints were still in the process of settlement at E-banking unit in each branches and E-Banking unit of BPD Kaltim headquarters. For ATM BPD Kaltim failure transaction complaints, is settled by E-Banking units in each branch oice. Whereas the complaint of failed transaction at ATM Bersama and ATM Prima, is settled by E-Banking Unit of Headquarters. Analysis Evaluation of Bankaltim Call Center Report Total of Incoming Calls to Bankaltim Call Center in December 2016. The number of incoming calls to Bankaltim Call Center on January until April December 2016 can be seen in the following graph: Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 204 Pada Graik diatas terlihat total penerimaan telepon pada tahun 2016 adalah sebesar 72.812 penelpon. Jumlah Pengaduan Dan Permintaan Informasi Januari-Desember 2016. Tiket yang di buat oleh Agent Bankaltim Call Center berdasarkan telepon yang masuk dan diterima oleh Agent digolongkan menjadi 2 dua, yaitu: • Permintaan Informasi • Pengaduan Nasabah Graik Jumlah Pengaduan Nasabah Permintaan Informasi Periode januari 2016-Desember 2016 | Graph Number of Customer Complaints and Requests for Information period of januari 2016-December 2016 Pengaduan | Complaint Informasi | Information 7000 6000 5000 4000 3000 2000 1000 JAN 16 FEB 16 M AR 16 APR 16 M AY 16 JUN 16 JUL 16 AUG 16 SEP 16 OC T 16 NO V 16 DEC 16 2.732 2.090 2.696 3.109 2.343 2.815 2.633 2.701 3.121 2.965 3.072 4.757 176 188 180 200 172 111 146 130 95 115 99 148 The graph above shows that total incoming Calls in 2016 amounted to 72 812. The number of Complaints and Requests for Information in Januari-Desember 2016. Tickets that created by Bankaltim Call Center Agent based on the incoming call that received by the Agent is classiied into 2 two, namely: • Information request • Customer Complaints Laporan Tahunan 2016 | BANKALTIM 205 2016 annual report | BANKALTIM Rincian permintaan informasi yang masuk ke Bankaltim Call Center pada bulan Januari- Desember 2016 dapat dilihat pada graik berikut: 4 14 10 9 11 3 8 5 10 16 8 Jan-16 Feb -16 Mar-16 Apr-16 Mei-16 Jun-16 Jul-16 Agu-16 Sep -16 Okt-16 No v- 16 Des-16 Informasi Rekening | Account Information Informasi Status Kartu ATM | ATM Card Status Information Informasi ProdukProgram | Product Information ProgramVI 2.640 2.005 2.622 3.039 4.628 2.850 3.044 2.268 2.611 2.964 2.689 2.482 89 81 60 72 120 64 62 67 85 98 110 143 3 Graik Jumlah Permintaan Informasi Periode Januari-Desember 2016 | Graph Number of Requests for Information period of January to December 2016 Details of requests for information coming into Bankaltim Call Center January-December 2016 can be seen in the following graph: Bankaltim Prioritas Laporan Saldo Nasabah Layanan Bankaltim Prioritas Komposisi Saldo Bankaltim Prioritas per Cabang | Balance Composition of Bankaltim Priority by Branch 33 5 7 8 6 8 2 4 3 4 4 3 1 6 4 1 4 KCU Samarinda | Samarinda General Branch Oice KC Tana Paser | Tana Paser Branch Oice KC Balikpapan | Balikpapan Branch Oice KC Tenggarong | Tenggarong Branch Oice KC Tarakan | Tarakan Branch Oice KC Tj. Redeb | Tj. Redeb Branch Oice KC Tj. Selor | Tj. Selor Branch Oice KC Bontang | Bontang Branch Oice KC Nunukan | Nunukan Branch Oice KC Sangatta | Sangatta Branch Oice KC Sendawar | Sendawar Branch Oice KC Malinau | Milanau Branch Oice KC Penajam | Penajam Branch Oice KC Tideng Pale | Tideng Pale Branch Oice KC Jakarta | Jakarta Branch Oice KC Sy Smd | Smd Sharia Branch Oice KC Sy Bpn | Bpn Sharia Branch Oice Bankaltim Priority Balance Report of Bankaltim Priority Customer Service Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 206 Total pencapaian Saldo Konsolidasi Nasabah Bankaltim Prioritas BPD Kaltim seluruh cabang per Desember 2016 adalah senilai Rp.1,824,221 juta, dengan komposisi yang dapat dilihat pada graik diatas. Total saldo diatas terdiri dari atas Saldo Nasabah Reguler, Saldo Nasabah Rekomendasi, dan Saldo Nasabah Drop Fund dengan rincian total saldo konsolidasi sebagai berikut. Total Consolidated Balance achievement of BPD Kaltim Bankaltim Priority Customer of all branches by December 2016 was IDR 1,824,221 million, with a composition that can be seen in the graph above. total balance above is consists of the Regular Customer Balance, Recommendations Customer Balance, and Drop Fund Customer Balance with details of the total consolidated balance as follows. Saldo Nasabah Reguler Saldo Nasabah Rekomendasi Saldo Nasabah Drop Fund Dalam Jutaan Rupiah In Million Rupiah 2,000,000 1,500,000 1,000,000 500,000 - 1,757,256 Total Saldo Bankaltim Prioritas Sesuai Kategori | Bankaltim Priority Total Balance by Category 26,619 40,345 Drop Fund Customer Balance Recommendation Customer Balance Regular Customer Balance Kategori terbesar dengan nilai Rp.1,757,256 Juta diperoleh dari Nasabah Reguler, adapun Data lebih rinci pada kategori ini dapat dilihat pada tabel dibawah ini. Cabang | Branch 250 jt 500 JT Nasabah | Customers Dana | Fund Nasabah | Customers Dana | Fund KCU Samarinda | Samarinda Main Branch Oice 30 12.144.648.379 295 565.230.862.783 KC Tana Paser | Tana Paser Branch Oice 22 7.754.519.293 55 74.752.925.693 KC Balikpapan | Balikpapan Branch Oice 2 629.811.493 122 115.272.963.423 KC Tenggarong | Tenggarong Branch Oice 69 53.107.037.227 24 50.513.490.107 KC Tarakan | Tarakan Branch Oice 16 12.294.653.462 59 126.217.213.878 KC Tj. Redeb | Tj. Redeb Branch Oice 50 37.071.550.691 51 108.282.061.180 KC Tj. Selor | Tj. Selor Branch Oice 7 2.676.227.845 23 24.523.483.941 KC Bontang | Bontang Branch Oice 28 11.078.982.495 49 55.208.302.913 KC Nunukan | Nunukan Branch Oice 5 1.531.744.030 43 56.530.037.128 KC Sangatta | Sangatta Branch Oice 5 2.997.236.862 56 76.378.374.942 KC Sendawar | Sendawar Branch Oice 38 32.691.577.171 22 26.527.580.280 KC Malinau | Malinau Branch Oice 5 6.175.640.828 28 39.353.807.235 KC Penajam | Penajam Branch Oice 6 7.626.974.969 7 7.292.435.557 KC Tana Tidung | Tideng Pale Branch Oice 2 854.205.988 5 9.925.717.951 KC Jakarta | Jakarta Branch Oice 2 5.690.420.397 13 62.562.309.378 KC Sy Samarinda | Samarinda Sharia Branch Oice 61 59.541.966.622 35 59.541.966.622 KC Sy. Balikpapan | Balikpapan Sharia Branch Oice 21 16.363.850.745 17 46.044.057.836 The largest category by IDR 1,757,256 million obtained from Regular Customer, while more detailed data in this category can be seen in the table below. Laporan Tahunan 2016 | BANKALTIM 207 2016 annual report | BANKALTIM Kantor Cabang yang telah Melaksanakan Layanan Bankaltim Prioritas Sampai dengan saat ini seluruh kantor cabang BPD Kaltim telah memberikan layanan Bankaltim Prioritas. Berikut Data Realisasi Jumlah Nasabah per Cabang yang dirangkum per Oktober 2016. Realisasi Jumlah Nasabah Layanan Bankaltim Prioritas Per Cabang | Total Customer Realization of Bankaltim Priority Service Per Branch SMD Tn. Paser BPN TGR TRK Tj. RDB Tj. SLR BTG NNK SGT SDR MLN PNJ Td. Pale JKT Sy. SMD Sy. BPN 440 88 184 80 86 101 32 53 74 72 82 61 30 13 22 155 51 442 99 152 116 86 122 40 91 68 72 81 43 26 9 34 134 52 Rencana | Plan Realisasi | Realization 450 400 350 300 250 200 150 100 50 Branch oice which has Implement Bankaltim Service Priority Up to this time all branches of BPD Kaltim has provided Bankaltim priority services. The following is Realization Data of Customers Number by branch which is summarized per October 2016. Dari graik diatas menunjukkan pencapaian yang maksimal dari tiap cabang, rata-rata realisasi jumlah nasabah melebihi dari jumlah yang ditargetkan. Adapun total pencapaian secara konsolidasi adalah sebesar 103. Daftar Executive Lounge yang bekerjasama dengan BPD Kaltim Perkembangan Fasilitas Layanan Bankaltim Prioritas Pada tahun 2016, salah satunya adalah kerjasama yang dilakukan BPD Kaltim dengan beberapa Executive Lounge di Kalimantan Timur dan Kalimantan Utara, yaitu: Blue Sky Executive Lounge NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 Blue Sky Executive Lounge Bandara Internasional Sepinggan Balikpapan 2 Blue Sky Executive Lounge Bandara Internasional Sultan Hasanuddin Makasar 3 Blue Sky Executive Lounge Bandara Soekarno Hatta Terminal IC Jakarta 4 Saphire Blue Sky Executive Lounge Bandara Soekarno Hatta Terminal 3 Ultimate Gate 13 Jakarta 5 Blue Sky Executive Lounge Bandara Juwata Tarakan From the graph above shows the maximum achievement of each branch, the average actual number of customers exceeds the target amount. The total achievement in consolidated basis amounted to 103. List of Executive Lounge in cooperation with BPD Kaltim Services Facilities Development of Bankaltim Priority in 2016, one of which was the cooperation carried by BPD Kaltim with some Executive Lounge in East Kalimantan and North Kalimantan, namely: El John Lounge NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 El John Lounge Bandara Hang Nadim Batam 2 El John Lounge Bandara Tjilik Riwut Palangkaraya 3 El John Lounge Bandara H.A.S Hanandjudin Tanjung Pandan Belitung 4 El John Lounge Bandara Kalimarau Berau Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 208 Emerald Sky Lounge NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 Emerald Sky Lounge Bandara Soekarno Hatta Terminal 2E Jakarta Angkasa Pura Surabaya NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 Blue Sky Executive Lounge Bandara Juanda Surabaya Terminal 1 Surabaya 2 Trowulan Lounge Bandara Juanda Surabaya Terminal 1 Surabaya 3 Singosari Lounge Bandara Juanda Surabaya Terminal 1 Surabaya 4 Concordia Blue Sky Premium Lounge Bandara Juanda Surabaya Terminal 2 Surabaya Juata Indah NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 Juata Indah Bandara Juwata Tarakan Tarakan JW Lounge NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 JW Lounge Bandara Soekarno Hatta Terminal 1 A Jakarta Taurus Gemilang NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 TG Lounge Bandara Internasional Ngurah Rai Denpasar Concordian Executive Lounge NO Nama Executive Lounge | Executive Lounge Name Nama Bandara | Airport Name Kota | City 1 Concordian Executive Lounge Bandara Syamsudin Noor Banjarmasin 2 Concordian Executive Lounge Bandara Adisutjipto Yogyakarta Perkembangan Pembangunan Gedung Ruangan Prioritas Sejak diresmikannya layanan prioritas tanggal 25 Februari 2014 yang lalu dari 6 kantor cabang yang diminta Direksi untuk melakukan pembangunan Gedung 004F-3BPD-TSRDept.PBWMIII2013 tanggal 19 Maret 2013 maka saat ini selain 6 enam kantor cabang dimaksud beberapa cabang lainnya juga telah menyediakan ruangan khusus dalam gedung kantor cabang yang digunakan sebagai lounge nasabah Bankaltim Prioritas, Berikut ini kami sampaikan perkembangan yang telah memiliki ruang khusus prioritas, yaitu : Priority Building Room Development Progress Since the launch of the service priority on February 25, 2014 ago, from 6 branches requested by the Board of Directors to build the building 004F-3BPD-TSR Dept.PBWMIII2013 dated March 19, 2013 then this time, other than six 6 branches mentioned, several other branches have also provided special rooms in the branch oices building which is used as a Bankaltim Priority customer lounge. Here we want to deliver the development of Branch that has had a priorities special space, namely: Laporan Tahunan 2016 | BANKALTIM 209 2016 annual report | BANKALTIM No Kantor Cabang | Branch Oice Laporan Kesiapan GedungRuangan | Building Room Readiness Report 6 Kantor Cabang yang diprioritaskan | 6 Prioritized Branch Oice : 1 Utama Samarinda | Samarinda Main Branch Gedung Layanan Prioritas tersendiri di Gedung Cahaya Tiara Jl.Ir.Juanda samarinda dengan fasilitas yang sangat memadai, dan pada tanggal 16 Januari 2017 akan dilakukan relokasi keJalan Awanglong Ex RM Akmal | Priority Services Building on its own in Cahaya Tiara Building, Jl.Ir. Juanda, Samarinda, with suicient facilities, and on January 16, 2017 will be relocating to the Jl Awanglong Ex RM Akmal 2 Balikpapan | Balikpapan Belum Memiliki Ruangan yang sesuai dengan SOP gedung dan Bangunan, tetapi untuk sementara waktu telah ada ruangan khusus yang dapat menampung nasabah Bankaltim Prioritas dalam melakukan transaksi | Not currently have room in accordance with the building SOP, but for the time being there has been a special room that can accommodate Bankaltim Priority clients in the transaction. 3 Jakarta | Jakarta Ruang Prioritas telah tersedia menyatu dengan kantor cabang induk dengan fasilitas yang sangat memadai | Priority space has been provided together with the main branch oices with suicient facilities 4 Tenggarong | Tenggarong Telah Memiliki Ruangan Bankaltim Prioritas yang dapat menampung Nasabah dalam melakukan transaksi | Has Bankaltim Priority room which can accommodate customer in the transaction 5 Tarakan | Tarakan Belum Memiliki Ruangan yang sesuai dengan SOP gedung dan Bangunan, tetapi untuk sementara waktu telah ada ruangan khusus yang dapat menampung nasabah Bankaltim Prioritas dalam melakukan transaksi | Not currently has a room which in accordance with the building SOP, but for the time being there has been a special room that can accommodate Bankaltim Priority clients in the transaction. 6 Syariah Samarinda | Samarinda Sharia Branch Telah Memiliki Ruangan khusus yang dapat menampung nasabah Bankaltim Prioritas dalam melakukan transaksi | Has special room which can accommodate Bankaltim Priority customer in the transaction Kantor cabang Lainnya | Other Branch Oices 7 Tana Paser | Tana Paser Ruang Prioritas telah tersedia menyatu dengan kantor cabang induk dengan fasilitas yang sangat memadai dan sesuai dengan SOP Gedung Bangunan | Priority space has been provided together with the parent branch oices with suicient facilities and in accordance with the Building SOP 8 Sendawar | Sendawar Ruang Prioritas telah tersedia menyatu dengan kantor cabang induk dengan fasilitas yang sangat memadai dan sesuai dengan SOP Gedung Bangunan | Priority space has been provided together with the parent branch oices with suicient facilities and in accordance with the Building SOP 9 Tanjung Redeb| Tanjung Redeb Belum Memiliki Ruangan yang sesuai dengan SOP gedung dan Bangunan, tetapi untuk sementara waktu telah ada ruangan khusus yang dapat menampung nasabah Bankaltim Prioritas dalam melakukan transaksi | Not currently has a room which in accordance with the building SOP, but for the time being there has been a special room that can accommodate Bankaltim Priority clients in the transaction. 10 Sangatta | Sangatta Belum Memiliki Ruangan yang sesuai dengan SOP gedung dan Bangunan, tetapi untuk sementara waktu telah ada ruangan khusus yang dapat menampung nasabah Bankaltim Prioritas dalam melakukan transaksi | Not currently has a room which in accordance with the building SOP, but for the time being there has been a special room that can accommodate Bankaltim Priority clients in the transaction. 11 Malinau | Malinau Belum Memiliki Ruangan yang sesuai dengan SOP gedung dan Bangunan, tetapi untuk sementara waktu telah ada ruangan khusus yang dapat menampung nasabah Bankaltim Prioritas dalam melakukan transaksi | Not currently has a room which in accordance with the building SOP, but for the time being there has been a special room that can accommodate Bankaltim Priority clients in the transaction. 12 Tanjung Selor | Tanjung Selor Belum Memiliki Ruangan yang sesuai dengan SOP gedung dan Bangunan, tetapi untuk sementara waktu telah ada ruangan khusus yang dapat menampung nasabah Bankaltim Prioritas dalam melakukan transaksi Not currently has a room which in accordance with the building SOP, but for the time being there has been a special room that can accommodate Bankaltim Priority clients in the trans action. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 210 Perkembangan Kerjasama Dengan Pihak Ketiga Saat ini Fasilitas Layanan Bankaltim Prioritas dalam bentuk fasilitas Executive Lounge telah beroperasi sejak ditandatangani Perjanjian Kerjasama PKS yang dilakukan dengan beberapa Pihak yaitu: a. PT. Bumi Liputan Jaya,: 1. Blue Sky Executive Lounge Bandar Udara Sepinggan Balikpapan; 2. Blue Sky Executive Lounge Bandar Udara Internasional Sultan Hasanuddin Makasar; 3. Blue Sky Executive Lounge Bandar Udara Soekarno Hatta Terminal 1C Jakarta; 4. Saphire Blue Sky Executive Lounge Bandar Udara Soekarno Hatta terminal 3 Ultimate Jakarta; 5. Blue Sky Executive Lounge Bandar Udara Juwata Tarakan. b. PT. EL John Putera Sriwijaya,: 1. El John Lounge Bandara Depati Amir, Pangkalpinang Bangka; 2. El John Lounge Bandara H.A.S Hananjoedin, Tanjung Pandan, Belitung; 3. El John Lounge Bandara Hang Nadim Batam; 4. El John Lounge Bandara Tjilik Riwut Palangkaraya Kalimantan Tengah; 5. El John Lounge Bandara Kalimarau Berau Kalimantan Timur; c. PT. Mitra Angkasa,: 1. Emerald Sky Lounge Bandara terminal 2 E cengkareng - Soekarno Hatta Jakarta; d. PT. Angkasa Pura I Surabaya 1. Blue Sky Executive Lounge Surabaya 2. Trowulan Lounge Surabaya 3. Singosari Lounge Surabaya 4. Concordia Blue Sky Premium Lounge Surabaya e. PT. Juata Indah Tarakan Juata Indah Lounge Tarakan f. PT. Sarana Prima Budaya JW lounge Bandara Internasional Soekarno Hatta terminal 1A g. PT. Taurus Gemilang TG Lounge Bandara Ngurah Rai Domestik Denpasar Bali . The development of cooperation with Third Parties Currently, Services Facility of Bankaltim Priority in the form of Executive Lounge facilities have been in operation since the signing of the Cooperation Agreement PKS with a several parties, namely: a. PT. Bumi Liputan Jaya,: 1. Blue Sky Executive Lounge Sepinggan Airport; 2. Blue Sky Executive Lounge Sultan Hasanuddin International Airport Makassar; 3. Blue Sky Executive Lounge Soekarno Hatta Jakarta Terminal 1C; 4. Saphire Blue Sky Executive Lounge Soekarno Hatta Airport terminal 3 Ultimate Jakarta; 5. Blue Sky Executive Lounge Juwata Airport Tarakan. b. PT. EL John Putera Sriwijaya : 1. El John Lounge Depati Amir Airport Pangkal Pinang, Bangka; 2. El John Lounge H.A.S Hananjoedin Airport, Tanjung Pandan, Belitung; 3. El John Lounge Hang Nadim Airport, Batam; 4. El John Lounge Tjilik Riwut Airport, Palangkaraya, Central Kalimantan; 5. El John Lounge Kalimarau Airports, Berau, East Kalimantan; c. PT. Mitra Angkasa : 1. Emerald Sky Lounge Soekarno-Hatta Airport terminal 2 E cengkareng; d. PT. Angkasa Pura I Surabaya 1. Blue Sky Executive Lounge Surabaya 2. Trowulan Lounge Surabaya 3. Singosari Lounge Surabaya 4. Concordia Blue Sky Premium Lounge Surabaya e. PT. Juata Indah Tarakan Juata Indah Lounge Tarakan f. PT. Sarana Prima Budaya JW lounge Soekarno Hatta International Airport terminal 1A g. PT. Taurus Gemilang TG Lounge Ngurah Rai Domestic Airport, Denpasar, Bali. Laporan Tahunan 2016 | BANKALTIM 211 2016 annual report | BANKALTIM h. PT. Angkasa Pura I Concordia Lounge 1. Concordia Bandar Udara Adisutjipto Yogyakarta 2. Concordia Bandar Udara Syamsudin Noor Banjarmasin Pengembangan Bisnis Selama tahun 2016, terdapat produk dan jasa baru yang dikembangkan antara lain Kartu Kredit Co-Brand Bankaltim, Tabungan Ibroh Syariah, Giro Mudharabah Syariah, Mobile Banking Bankaltim, serta CMS Span. Dalam merancang dan menerapkan strategi marketing dan promosi di BPD Kaltim Divisi Pengembangan Bisnis dalam hal ini Departemen Integrated Marketing Communication Departemen IMC tidaklah bekerja sendiri, sinergitas dengan unit-unit lain seperti Divisi Funding Customer Management, Divisi Kredit Korporasi, Divisi Kredit Retail UMKM dan Departemen Hubungan Korporasi di bawah Divisi Sekretariat Perusahaan sangat diperlukan demi keberhasilan program-program yang ada. Sesuai dengan BPP Persuahaan, Departemen Funding yang ada dibawah struktur Divisi Funding Customer Management memiliki tugas sebagai pembuat program-program dan strategi funding dan Departemen Hubungan Korporasi selaku corong perusahaan. Departemen IMC sendiri bertugas untuk membuat packaging produk, mengelola barang promosi terkait produk dan jasa, serta merencanakan event promosi untuk mendukung program-program yang dirancang baik. Aktivitas usaha dan jasa keuangan h. PT. Angkasa Pura I Concordia Lounge 1. Concordia Adisucipto Airport, Yogyakarta 2. Concordia Syamsudin Noor Airport Banjarmasin Business development During 2016, there are new products and services being developed include Co-Brand Bankaltim Credit Cards, ibroh Savings Sharia, Giro Mudharabah Sharia, Bankaltim Mobile Banking, as well as CMS Span. In designing and implementing marketing and promotions strategies in BPD Kaltim Business Development Division in this case the Department of Integrated Marketing Communication IMC Department does not work alone, synergy with other units such as Funding Customer Management Division, Division of Corporate Credit, Retail Credit and MSME Division, and Corporate Relations Department under the Corporate Secretariat Division is indispensable for the success of existing programs. In accordance with the Company BPP, Department of Funding that exist under the structure of the Division of Funding Customer Management have a duty as a maker of programs and funding strategies and Corporate Relations Department as the mouthpiece of the company. Department of IMC itself have a duty to make packaging products, managing promotional merchandise related products and services, as well as planning a promotional event to support programs designed. Business Activities and Financial Services No Produk Jasa | Products Services Produk Dana | Funds Products Produk Kredit | Credit Products Konvensional | Conventional Syariah | Shari’a Rupiah | Idr Valas | Foreign Currency A. Produk Tabungan | Foreign Currency 1 Tabungan Simpeda v - v - v - 2 Tabungan Berkah v - - v v - 3 Tabungan Al Amin v - v - v - 4 Tabungan Al Amin iB v - - v v - 5 Tabungan Prama v - v - v - 6 Tabungan Prama iB v - - v v - 7 TabunganKU v - v - v - 8 TabunganKU iB v - - v v - Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 212 9 Tabungan SimPel v - v - v - 10 Tabungan SimPel iB v - - v v - 11 Laku Pandai Bankaltim v - v - v - 12 Laku Pandai Bankaltim iB v - - v v - B. Produk Giro | Giro Product 1 Giro Rupiah v - v - v - 2 Giro Valas v - v - - v 3 Wadi’ah v - - v v - 4 Giro Valas Syariah v - - v - v C. Produk Deposito | Deposits Product 1 Deposito Rupiah v - v - v - 2 DepositoValas v - v - - v 3 Sertiikat Deposito v - v - v - 4 Desposito on Call DOC v - v - v - 5 Deposito Mudharobah v - - v v - 6 Deposito Valas Syariah v - - v - v D. Produk KreditPembiayaan | Credit Financing Product 1 Kredit Produktif Kredit Modal Kerja KMK - v v - v - Kredit Investasi KI - v v - v - 2 Kredit Konsumsi Kredit Rumah Sejahtera - v v - v - Kredit Kendaraan Bermotor - v v - v - Personal Loan - v v - v - Kredit Agunan Tunai - v v - v - Kredit Multi Guna - v v - v - 3 Kredit Program BPD Kaltim Kredit Sawit Sejahtera - v v - v - Kredit Ternak Sejahtera - v v - v - Kredit Perikanan Sejahtera - v v - v - Kredit Pangan Sejahtera - v v - v - 4 Kredit UMKM Kredit Mikro - v v - v - Kredit Kecil - v v - v - Kredit Menengah - v v - v - Kredit Program Pemerintah - v v - v - a. KPR FLPP - v v - v - b. BAPERTARUM-PNS - v v - v - c. Dakab - v v - v - d. SUP 005 - v v - v - No Produk Jasa | Products Services Produk Dana | Funds Products Produk Kredit | Credit Products Konvensional | Conventional Syariah | Shari’a Rupiah | Idr Valas | Foreign Currency A. Produk Tabungan | Foreign Currency Laporan Tahunan 2016 | BANKALTIM 213 2016 annual report | BANKALTIM No Produk Jasa | Products Services Produk Dana | Funds Products Produk Kredit | Credit Products Konvensional | Conventional Syariah | Shari’a Rupiah | Idr Valas | Foreign Currency D. Produk KreditPembayaran | Credit Financing Product e. Kredit Usaha Rakyat - v v - v - Kredit Linkage Program - v v - v - 5 Pembiayaan Syariah Emas Berkah - v - v - v Griya Berkah - v - v - v Car Berkah - v - v - v Pembiayaan PNSD IB - v - v - v Pembiayaan Produktif iB - v - v - v Smile Berkah - v - v - v E. Jasa | Services 1 ATM Bankaltim v - v - v - 2 Bankaltim SMS v - v - v - 3 BPDnet Online v - v - v - 4 Bankaltim Prioritas v - v - v - 5 Bankaltim DNA v - v - v - 6 Bankaltim Mobile Service v - v - v - 7 Bankaltim Call Center v - v - v - 8 Bank Garansi - v v - v - 9 BI RTGS v - v - v - 10 Kliring v v v - v - 11 Inkaso v - v - v - 12 Letter of Credit - v v - v - 13 Payment Point v - v - v - 14 Pajak Online v - v - v - 15 Payroll v - v - v - 16 Referensi Bank - - v - v - 17 SKBDN Surat kredit Berdokumen Dalam NegeriDomestik LC - v v - v - 18 Surat Dukungan Dana v v v - v - 19 SDB Safe Deposite Box v - v - v - 20 Transfer Rupiah v - v - v - 21 Transfer Valas v - v - - v 22 Weekend Banking v - v - v - 23 SMS Notiikasi v - v - v - 24 E-Statement v - v - v - 25 Internet Banking v - v - v - 26 Cash Management System v - v - v - Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 214 Selain dari produk dan jasa diatas, produk penghimpunan dana konvensional dan syariah yang dimiliki BPD Kaltim sampai dengan 2016 adalah sebagai berikut: 1. Kartu Kredit Co Brand Bankaltim. 2. Tabungan Ibroh Syariah. 3. Giro Mudharabah Syariah. 4. Mobile Banking Bankaltim. 5. CMS SPAN. 6. Kerjasama Kartu ATM Komunitas dengan IBS Jakarta. 7. Kerjasama Kartu ATM Komunitas dengan sekolah dan komunitas-komunitas di beberapa Cabang BPD Kaltim. 8. Kerjasama agen Laku Pandai di berbagai wilayah Kaltim Kaltara Kegiatan penyaluran dana konvensional dan syariah yang dimiliki BPD Kaltim sampai dengan 2016 adalah sebagai berikut 1. Alokasi penyaluran dana desa untuk melalui Cabang BPD Kaltim. 2. Penyaluran dana SP2D Gaji secara terpusat di BPD Kaltim untuk PNS Vertikal Prajurit TNI Anggota POLRI. Pelayanan jasa Non Bank Devisa dan Bank Devisa yang dilaksanakan BPD Kaltim sampai dengan 2016. 1. Kerjasama dengan BPR BePeDe Kutai Sejahtera. 2. MoU Pemanfaatan Jaringan ATM dengan BPR Bulungan. 3. Kerjasama Pembayaran Pajak Daerah Lainnya Restoran, Hotel, Reklame, dll dengan Dispenda Balikpapan, Kutai Kartanegara, Tj. Redeb. Apart from the products and services mentioned above, the products of conventional and sharia fundraising owned by BPD Kaltim till 2016 are as follows: 1. Co. Brand Bankaltim Credit Card. 2. Savings ibroh Sharia. 3. Giro Mudharabah Sharia. 4. Bankaltim Mobile Banking. 5. CMS SPAN. 6. Cooperation of Community ATM card with IBS Jakarta. 7. Cooperation of Community ATM card with schools and communities in several BPD Kaltim branches. 8. Cooperation of Laku Pandai agency in diferent areas of East and North Kaltim. Conventional and Sharia fund distribution activity owned by BPD Kaltim till 2016 was as follows: 1. Allocation of fund distribution for the village through BPD Kaltim branches. 2. Distribution of SP2D Salary funds centrally in BPD Kaltim for Vertical PNS TNI Soldiers Police Members. Services of Non Bank Foreign and Bank Foreign which implemented by BPD Kaltim till 2016 1. Cooperation with BPR BePeDe Kutai Sejahtera 2. MoU of ATM Network Utilization with BPR Bulungan 3. Cooperation of Other Local Tax Payments restaurant, hotel, advertisement, etc. with Treasury Oice of Balikpapan, Kutai Kartanegara, Tj. Redeb. Teknologi Informasi Dan Jaringan Information Technology and Network Teknologi Informasi Information Technology Pengembangan Jaringan Kantor InforNetwork Development 217 222 Laporan Tahunan 2016 | BANKALTIM 217 2016 annual report | BANKALTIM Teknologi Informasi Pengelolaan dan pengembangan teknologi informasi dilaksanakan oleh Divisi Teknologi Informasi berdasarkan tata kelola teknologi informasi yang sesuai dengan Surat Keputusan Direksi BPD Kaltim Nomor: 061SKBPD-PST III2014 tanggal 21 Maret 2014 tentang Struktur Organisasi BPD Kaltim. Pengembangan teknologi informasi menjadi salah satu perhatian utama Manajemen khususnya dalam mengembangkan strategic collaborationstrategic holding dalam rangka program transformasi BPD-SI. BPD Kaltim menyadari, tanpa adanya kapabilitas yang memadai dari sisi teknologi informasi, kinerja operasional Bank juga akan terhambat. BPD Kaltim meyakini bahwa sistem teknologi informasi yang kuat dapat menjadi pondasi awal tercapainya tujuan sinergitas usaha baik secara internal maupun dalam persaingan di antara Bank-bank nasional. Dalam kegiatannya, sistem teknologi informasi dikembangkan berdasarkan prinsip-prinsip tata kelola seperti struktur IT Steering Committee dan IT Strategy Committee sebagai otoritas pembuat keputusan yang tepat dalam segala kegiatan dan pengembangan sistem teknologi informasi BPD Kaltim. Dalam hal ini, ranah teknologi informasi menjalankan fungsi intermediasi atau penghubung antara unit kerja lain dalampenerapan tata kelola teknologi informasi. Selama tahun 2016, Divisi Teknologi Informasi yang menjadi unit kerja pengelola telah mengembangan produk dan jasa maupun layanan Bank berbasis IT secara optimal. Produk dan jasalayanan tersebut antara lain: Information Technology Management and development of information technologies implemented by the Information Technology Division based on information technology regulation in accordance with the Decree of the Board of Directors of BPD Kaltim Number : 061SKBPD-PSTIII2014 dated March 21, 2014 concerning Organizational Structure of BPD Kaltim. The development of information technology is one of the main concerns, especially in developing strategic management collaboration strategic holding in the framework of the transformation program of BPD-SI. BPD Kaltim realized, in the absence of adequate capabilities in terms of information technology, the performance of Bank operations will also be hampered. BPD Kaltim believes that a strong information technology systems could be the foundation of the early achievement of synergy between businesses both internally and in the competition between national banks. In its activities, the information technology system developed based on the principles of governance such as IT structure Steering Committee and IT Strategy Committee as appropriate decision making authority in all activities and the development of information technology systems BPD Kaltim. In this case, the realm of information technology run inter-mediation function or being a liaison between other work units in the application of information technology governance. During 2016, the Information Technology Division that had been into a work unit has developed products and services as well as IT-based bank services optimally. Products and services include: Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 218 No Nama Aplikasi | Application name Keterangan | Information Pengguna | Users 1 H2H Pembayaran PDAM, Pendidikan | H2H payment PDAM, Education H2H PDAM pembayaran tagihan PDAM melalui layanan ATM BDP Kaltim. H2H Pendidikan adalah pembayaran SPP, Uang Gedung, uang wisuda, dll, melalui teller dan layanan ATM BDP Kaltim. | H2H PDAM bill payment of PDAM through BPD Kaltim ATM service. Muhamadiyah 2, Widya Gama, Patra Dharma YPI Granada 2 Aplikasi BPDNet | BPDNet Application Aplikasi layanan berbasis web dan mobile | Web and mobile based service aplication : Internet Banking | Internet Banking Mobile Banking | Mobile Banking CMS | CMS Laku Pandai | Laku Pandai Kantor Cabang Konvensional Syariah | Conventional Sharia Branch Oices 3 SPAN Sistem yang dikembangkan untuk penyaluran gaji PNSPrajurit TNI Anggota Polri secara terpusat.| The system developed for the distribution of salaries of civil servants Soldiers Military Police member by centrally. Konven Syariah | Conventional Sharia 4 Aplikasi SDB Safe Deposit Box Aplikasi untuk administrasi penyimpanan barang nasabah ke SDB Safe Deposit Box yang langsung terkoneksi ke corebanking. Sudah Live Production tanggal 15012016 namun masih dibutuhkan penyempurnaan lebih lanjut.| Applications for customer goods storage administration to SDB Safe Deposit Box which is directly connected to the corebanking. Live Production already on 15012016 but further reinement is still needed. Kantor Cabang Konvensional | Conventional Branch Oices 5 H2H PDL Pajak Daerah Lainnya | Other Local Tax Pengembangan aplikasi pembayaran PDL melalui teller BPD Kaltim.| PDL payment application development through BPD Kaltim teller. Kantor Cabang Konvensional Pilot Project : KCU. Samarinda| Samarinda Main Branch Oice KC. Tenggarong| Tenggarong Branch Oice 6 E-Samsat Pengembangan aplikasi pembayaran Pajak Kendaraan Bermotor melalui Teller dan ATM. | Development of Motor Vehicle Tax payment applications through Teller and ATM. Teller Cabang Konvensional, ATM Cabang Konvensional Syariah | Conventional E-Banking Card Center Department Laporan Tahunan 2016 | BANKALTIM 219 2016 annual report | BANKALTIM Selain mengembangkan produk dan jasa di atas, Divisi Teknologi Informasi BPD Kaltim juga melakukan pengembangan tools program bantu sebagai berikut: No Nama Aplikasi | Application name Keterangan | Information Pengguna | Users 1 Tool LHBUS Laporan Harian Bank Umum Syariah | Sharia Commercial Bank Daily Report Tool Tool untuk membantu Pelaporan Harian Bank Umum Syariah.| Tool to help Daily Report of Sharia Commercial Bank Kantor Cabang Syariah | Sharia Branch Oice 2 Aplikasi Monitoring ATM EDC | ATM EDC Monitoring Application Aplikasi yang digunakanuntukmemonitoring status EDC ATM BPD Kaltim.| Application used for monitoring the status of BPD Kaltim EDC ATM Kantor Cabang Konvensional | Conventional Branch Oice 3 Marketing Tool Kit | Aplikasiberbasis mobile yang berisikontenproduk BPD Kaltim yang digunakanoleh marketing.| Mobile based application which contain product content of BPD Kaltim that used by marketing Kantor Pusat, Cabang Konvensional Syariah | Headquarter, Conventional Sharia Branch Oice 4 Aplikasi Zakat Reporting Automation Zakarta | Zakat Reporting Automation Zakarta Application Aplikasi yang digunakan untuk Pelaporan Zakat Secara Otomatis.| Application that used for reporting Zakat by automatic Kantor Cabang Syariah | Sharia Branch Oice 5 SMS Alert Monitoring ATM BPD Kaltim Aplikasi yang digunakan untuk memonitorng seluruh ATM BPD Kaltim. | Application that used for monitoring entire ATM of BPD Kaltim Kantor Cabang Konvensional | Conventional Branch Oice 6 Aplikasi CORINA Corebanking Inhouse Application | CORINA Corebanking Inhouse Application Aplikasi yang menyediakan laporan-laporan dari data corebanking.| The system developed for the database of the bill in school, data of teacher, Student, etc. Kantor Pusat Kantor Cabang Konvensional Headquarter, Conventional Sharia Branch Oice 7 Data Base Pendidikan | Education Database Sistem yang dikembangkan untuk data base tagihan di sekolah, data guru, Siswai dll.| The system developed for the database of the bill in school, data of teacher, Student, etc. Yayasan Patra Dharma | Patra Dharma Foundation 8 Program Bantu E-Banking | E-Banking Assistance Program Aplikasi yang digunakan oleh unit E-Banking untuk melakukan proses rekonsiliasi transaksi ATM Bersama, Prima, BPDNet dll.| Applications used by E-Banking unit to perform transaction reconciliation process of ATM Bersama, Prima, BPDNet etc. Konven Dept. E-banking Card Center | Conventional E-Banking Card Center Department Besides developing products and services above, BPD Kaltim Information Technology Division also develops tools program support as follows: Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 220 No Nama Aplikasi | Application name Keterangan | Information Pengguna | Users 1 CDM Pengembangan aplikasi untuk layanan setoran tunai yang dilakukan oleh nasabah secara langsung melalui mesin CDM. Secara sistem sudah siap, saat ini menunggu mesin CDM Ready. | Application development for the cash deposit service performed by the customer directly through CDM machine. It has been prepared in the system, but is still waiting for the CDM machine readiness. Kantor Cabang Konvensional Syariah | Conventional Sharia Branch Oice 2 EDC EDC Pinpad Aplikasi EDC dan Perubahan PIN melalui CS, licensemilik BPD Kaltim, sedangkan EDC yang ada saat ini bekerjasama dengan Artajasa. | EDC application and PIN changes via CS, license belonging to BPD Kaltim, while the existing EDC is currently working with Artajasa. Target Triwulan I 2017. | Target of First Quarter 2017. Kantor Cabang Konvensional Syariah | Conventional Sharia Branch Oice 3 KIOSK Transaksi non tunai melalui KIOSK. | Non Cash Transaction through KIOSK Kantor Cabang Konvensional Syariah | Conventional Sharia Branch Oice 4 Aplikasi BPDNet CMS Cash Manajement System IB Internet Banking Pengembangan itur transfer Bersama dan Prima menggunakan jaringan ATM Bersama Prima yang adap pada Telkomsigma | Bersama and Prima transfer feature development using ATM Bersama and Prima networks that exist in Telkomsigma. Pengembangan itur SKN dan RTGS B | S KN and RTGS feature development Kantor Cabang Konvensional Syariah | Conventional Sharia Branch Oice 5 Aplikasi BPDNet APMK Pengembangan aplikasi BPDNet agar itur-itur nya dapat di akses melalui mesin ATM BPD Kaltim. | BPD Net application development so that its features can be accessed through the BPD Kaltim ATM machine. Kantor Cabang Konvensional Syariah | Conventional Sharia Branch Oice 6 Aplikasi Virtual Account Aplikasi yang dapat menampung dana tanpa membuka rekening, dan dana tersebut di salurkan kepada institusi yang berkerjasama menggunakan virtual account antara lain pembayara iuran bulanan anggota BPJS Kesehatan, pembayaran uang pendidikan dan lain-lain.| Applications that can accommodate funds without opening an account, and the funds are channeled to institutions who collaborate using a virtual account, among others: monthly payment of BPJS Health member, education payment, etc. Kantor Cabang Konvensional 7 APN Asian Payment Network Aplikasi yang dikembangkan untuk memperluas layanan transaksi ATM BPD Kaltim diluar negeri Malaysia, Korea Thailand untuk inquiry dan penarikan tunai.| Applications developed to expand services of BPD Kaltim ATM transactions abroad Malaysia, Korea Thailand for inquiry and cash withdrawals. Kantor Cabang Konvensional Syariah | Conventional Sharia Branch Oice Sementara itu, terdapat pula produk dan jasa Bank serta optimalisasi berbasis IT yang sedang dikembangkan, antara lain: Meanwhile, there are also bank’s products and services as well as the optimization of IT-based that is being developed, among others: Laporan Tahunan 2016 | BANKALTIM 221 2016 annual report | BANKALTIM Selama tahun 2016, Divisi Teknologi Informasi juga menjalin kerjasama dengan berbagai rekanan Perusahaan di Indonesia, dengan rincian sebagai berikut. During 2016, the Information Technology Division also cooperates with various company partner in Indonesia, with details as follows: No. Nama Vendor | Vendor Name Keterangan | Information 1 PT. Artajasa Pembayaran Elektronis Layanan ATM Bersama dan EDC | EDC ATM Bersama Services 2 PT. Rintis Sejahtera Layanan ATM Prima | ATM Prima Services 3 PT. Finnet Indonesia Biller Provider | Biller Provider 4 PT. Sigma Cipta Caraka Jasa TSI | TSI Services 5 PT. Aplikanusa Lintasarta Jaringan Komunikasi | Communication Network 6 PT. Telekomunikasi Indonesia Jaringan Komunikasi | Communication Network 7 PT. Solmit Bangun Indonesia Konsultan TI | IT Consultant 8 PT. Argenta Adhiloka Pratama Penyedia Jasa Mesin ATM | ATM Machine Services Provider 9 PT. Insan Teknologi Semesta Penyedia Jasa Mesin ATM | ATM Machine Services Provider 10 PT. Gamelan Consulting Penyedia Aplikasi layanan H2H | H2H services Application Provider 11 PT. Amoro Technologi Indonesia Penyedia Aplikasi Interface BPDNet | BPDNet Interface Application Provider 12 PT. Micro Pay Nusantara Penyedia Aplikasi layanan EDC Pin Pad | EDC Pin Pad services Application Provider 13 PT. Solusi Nusantara Terpadu Penyedia aplikasi BPDNet | BPDNet application provider 14 PT. Praweda Ciptakarsa Informatika Penyedia aplikasi interface RTGS | RTGS Interface application provider 15 PT. Kinarya Selaras Solusi Penyedia jasa SMS Gateway | SMS Gateway services provider 16 PT. Kayrech System Penyedia jasa maintenance Vicon | Vicon maintenance services provider Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 222 Pengembangan Jaringan Jaringan kantor BPD Kaltim per 31 Desember 2016 telah merambah seluruh KabupatenKota di Kalimantan Timur dan Kalimantan Utara. Jumlah jaringan kantor dan layanan BPD Kaltim mengalami peningkatan sebesar 6.47 yoy. Peningkatan terbesar terjadi pada penambahan jaringan ATM, Kantor Kas, serta jaringan Laku Pandai untuk semakin memudahkan nasabah dan masyarakat pada umumnya dalam bertransaksi. Rekapitulasi jaringan kantor per Desember 2016 sebanyak 1102 beserta analisa Year on Year yoy dengan rincian sebagai berikut: NO Status Kantor | Oice Status Jumlah 2015 Jumlah 2016 1 Kantor Pusat Non Operasional | Non Operating Headquarter 1 1 2 Kantor Cabang Dalam Negeri | Branch Oice Domestic 15 15 3 Kantor Cabang Pembantu Dalam Negeri | Auxiliary Branch Oice Domestic 71 73 4 Kantor Kas | Cash Oice 72 84 5 Payment Point | Payment Point 29 30 6 Kas kelilingkas mobilkas terapung | Mobile Cash Car Cash Float Cash 13 13 7 ATMADM | ATMADM 296 319 8 Kantor Cabang Dalam Negeri Syariah | Sharia Branch Oice Domestic 2 2 9 Kantor Cabang Pembantu Dalam Negeri Syariah | Sharia Auxiliary Branch Oice Domestic 14 14 10 Kantor Kas Syariah | Sharia Cash Oice 2 4 11 Payment Point Syariah | Sharia Payment Point 10 13 12 Kas kelilingkas mobilkas terapung Syariah | Sharia Mobile Cash Car Cash Float Cash 1 2 I. Total Non EDC dan OC | l.Total of Non EDC and EDC 526 570 13 Layanan Syariah di KCKCP Konvensional | Sharia Services at Conventional BranchAuxiliary Branch 26 26 14 EDC | EDC 480 480 15 Agen Laku Pandai | Laku Pandai Agent 3 26

II. Total 509

532 Total I + II 1035 1102 Network Development BPD Kaltim oice Network per December 31, 2016 has penetrated all regencies cities in East Kalimantan and North Kalimantan. Total network of oices and service of BPD Kaltim increased by 6.47 Yoy. The largest increase occurred in the addition of ATMs, Cash Oice, as well as Laku Pandai network to facilitate customers and society in general in the transaction. Recapitulation oice network by December 2016 as many as 1102 along with analysis of Year on Year YoY, with details as follows: Lapor an T ah unan 2016 | BANK AL TIM 223 2016 ann ual r ep or t | BANK AL TIM Tek nologi Inf ormasi dan Jaringan Inf or ma tion T echnolo gy and N et w or k Kepa tuhan dan Manajemen Resik o Complianc e and R isk Management Sy ariah dan Human C apital Shar ia and Human C apital Ban tuan S ponsorship Assistanc e S ponsorship Analisa Analy sis Tinjauan B isnis Business Highlights Jumlah Jar ingan BPD K altim per K at egor i | Total BPD K altim Net w ork b y C at egor y 500 450 400 350 300 250 200 150 100 50 Jaringan Kan tor AT M MS EDC OC Lak u P andai Jar ingan BPD K altim P er C abang | BPD K altim Net w ork b y Br anch Oic e N et w or k Headquarter Samarinda Main Branch Oice Tana Paser Branch Oice Balikpapan Branch Oice Tenggarong Branch Oice Tarakan Branch Oice Tj. Redeb Branch Oice Tj. Selor Branch Oice Bontang Branch Oice Nunukan Branch Oice Sangatta Branch Oice Sendawar Branch Oice Milanau Branch Oice Penajam Branch Oice Tideng Pale Branch Oice Jakarta Branch Oice Samarinda Sharia Branch Oice Balikpapan Sharia Branch Oice 250 200 150 100 50 KANTOR PUSAT CAB. UTAMA SMD CAB. TANA PASER CAB. BALIKPAPAN CAB. TENGGARONG CAB. TARAKAN CAB. TG. REDEB CAB. TG. SELOR CAB. BONTANG CAB. NUNUKAN CAB. SANGATTA CAB. SENDAWAR CAB. MALINAU CAB. PENAJAM CAB. TIDENG PALE CAB. JAKARTA CAB. SYARIAH SAMARINDA CAB. SYARIAN BALIKPAPAN 26 248 39 32 32 32 9 15 180 23 98 72 44 52 64 44 49 43 Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 224 NO Nama Cabang | Branch name KP KC KCP KK PP ATM Drive Thru ADM MS OC EDC AGEN Laku Pandai Jumlah | Amount 1 KANTOR PUSAT | Headquarter 1 25 26 2 CAB. UTAMA SMD | Samarinda Main Branch Oice 1 14 12 9 84 1 1 120 6 248 3 CAB. TANA PASER | Tana Paser Branch Oice 1 4 3 1 17 1 12 39 4 CAB. BALIKPAPAN | Balikpapan Branch Oice 1 8 5 5 31 1 45 2 98 5 CAB. TENGGARONG | Tenggarong Branch Oice 1 8 11 2 26 1 1 17 5 72 6 CAB. TARAKAN | Tarakan Branch Oice 1 3 2 2 19 1 1 15 44 7 CAB. TG. REDEB-BERAU | Tj. Redeb-Berau Branch Oice 1 6 7 1 25 1 21 2 64 8 CAB. TG. SELOR | Tj. Selor Branch Oice 1 3 2 2 11 1 12 32 9 CAB. BONTANG | Bontang Branch Oice 1 2 5 1 14 1 1 18 1 44 10 CAB. NUNUKAN | Nunukan Branch Oice 1 4 7 1 14 1 11 4 43 11 CAB. SANGATTA | Sangatta Branch Oice 1 4 11 2 24 1 8 1 52 12 CAB. SENDAWAR | Sendawar Branch Oice 1 7 7 1 14 1 1 14 3 49 13 CAB. MALINAU | Milanau Branch Oice 1 5 6 1 14 1 4 32 14 CAB. PENAJAM | Penajam Branch Oice 1 3 5 2 11 1 7 2 32 15 CAB. TIDENG PALE | Tideng Pale Branch Oice 1 2 1 5 9 16 CAB. JAKARTA | Jakarta Branch Oice 1 5 9 15 17 CAB. SYARIAH SAMARINDA | Samarinda Sharia Branch Oice 1 9 4 8 1 26 131 180 18 CAB. SYARIAH BALIKPAPAN | Balikpapan Sharia Branch Oice 1 5 5 1 11 23 Total 1 17 87 88 43 314 5 15 26 480 26 1102 Rincian Jaringan Kantor BPD Kaltim Per Cabang Per Desember 2016 | BPD Kaltim Oice Network Detail by Branch by December 2016 Syariah Dan Human Capital Sharia Human Capital 227 229 234 237 244 244 259 Syariah Sharia Kinerja BPD Kaltim Unit Syariah Performance of BPD Kaltim Sharia Business Unit Pengembangan Kantor Layanan Perbankan Unit Syariah Development Oice and Syariah Banking Unit Services Pengelolaan Human Capital Human Capital Management Assessment Assessment Pendidikan Pelatihan Education and Training Program Riset Budaya Perusahaan Corporate Culture Research Program Laporan Tahunan 2016 | BANKALTIM 227 2016 annual report | BANKALTIM Kinerja Bank Umum Syariah BUS dan Unit Usaha Syariah UUS Nasional 2014 - 2016 The performance of National Islamic Banks BUS and Sharia Business Unit UUS year 2014-2016 sumber : OJK diolah kembali Syariah Tahun 2016 merupakan tahun terberat bagi Perbankan Syariah Nasional sejak memasuki era perlambatan yang dimulai pada tahun 2012. Aset hanya tumbuh satu digit sebesar 8.78 secara tahunan atau menjadi sebesar Rp 296,26 triliun. Rendahnya pertumbuhan Aset itu disebabkan lesunya penyaluran Pembiayaan dan penghimpunan Dana Pihak Ketiga DPK, di mana masing-masing hanya tumbuh 6.86 dan 6.11 menjadi sebesar Rp 213,00 triliun dan Rp 231,18 triliun. Sepanjang 2016 pula rasio Pembiayaan bermasalah NPF Perbankan Syariah konsisten berada di atas 4.50 meskipun pada akhir tahun berhasil ditekan pada kisaran 4.34. Kondisi ini bisa dikatakan lebih buruk daripada tahun sebelumnya, sebab pada 2014 NPF Perbankan Syariah tidak melulu berada di atas 4.50. dalam trilyun Rupiah | in trillion IDR Keterangan | Information Des 2014 Des 2015 ∆ YOY Des 2016 ∆ YOY Total Aset | Total Asset 272,344 296,262 8.78 356,504 20.33 Dana Pihak Ketiga DPK | Third Party Fund 217,859 231,175 6.11 279,335 20.83 Pembiayaan | Financing 199,329 212,996 6.86 248,007 16.44 Laba | Proit 1,733 1,786 3.06 2,096 17.36 Harus disadari bahwa setelah memasuki fase perlambatan pada 2012, Perbankan Syariah tidak bisa langsung tumbuh tinggi seperti pada tahun-tahun di bawah 2012. Pertumbuhan yang akan dicapai pada 2017 masih tergantung pada kondisi ekonomi makro di dalam negeri dan global. Berdasarkan data dari Otoritas Jasa Keuangan OJK, sampai dengan Desember 2016, Aset Perbankan Syariah tumbuh secara 20.33 yoy atau menjadi sebesar Rp 356,504 trilyun. Perkembangan Aset ini ditopang oleh penyaluran Pembiayaan dan penghimpunan DPK yang membaik. Pembiayaan Perbankan Syariah mencapai Rp. 248,007 trilyun atau tumbuh 16.44 yoy. Sedangkan penghimpunan DPK naik 20.83 yoy atau menjadi 279,335 trilyun. Adapun laba, Perbankan Syariah berhasil membukukan laba sebesar Rp 2,096 trilyun, lebih besar dibandingkan laba 2015 sebesar 1,786 triliun yang berarti laba tumbuh 17.36 yoy. Sharia 2016 was the toughest year for the National Islamic Banking since entering the era of deceleration which began in 2012. Assets grew only one digit at 8.78 on an annual basis or IDR 296.26 trillion. The low growth of assets was due to the slowing down of inancing portfolio and Third party funds DPK, in which respectively grew only 6.86 and 6.11 amounting to IDR 213.00 billion and IDR 231.18 trillion. Throughout 2016 also the ratio of non performing Financing NPF of Islamic Banking consistently above 4.50 although at the end of the year was reduced in the range of 4.34. This condition can be said to be worse than the previous year, because in 2014 NPF of Islamic Banking is not always above 4.50. It must be realized that after entering a phase of slowdown in 2012, Islamic Banking can not directly grow as high as in the years under 2012. The growth that will be achieved in 2017 still depending on macroeconomic conditions domestically and globally. Based on data from the Financial Services Authority FSA, until December 2016, Islamic Banking Assets grows 20.33 yoy amounting to IDR 356,504 trillion. This asset development is supported by the inancing distribution and the improvement in third-party fund raising. Islamic Banking inancing reached IDR 248,007 trillion or grew by 16:44 yoy. While DPK raising rose 20.83 yoy or become 279.335 trillion. As for earnings, Islamic Banking managed to record a proit of IDR 2.096 trillion, larger than the proit in 2015 amounted to 1.786 trillion which means that proit growth by 17.36 yoy. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 228 Kinerja Unit Usaha Syariah UUS BPD Kaltim 2014 - 2016 | BPD Kaltim Sharia Business Unit UUS Performance year 2014-2016 dalam jutaan rupiah | in trillion IDR No Indikator Keuangan Realisasi 2015 Renbis 2016 Realisasi 2016 Trend ∆ 1 Total Asset 1,382,227 1,655,128 1,689,890 22.26 2 Dana Pihak Ketiga : 973,119 1,012,722 853,209 -12.32 1 Giro 108,441 75,901 60,651 -44.07 2 Tabungan 429,056 569,751 387,262 -9.74 3 Deposito 435,622 367,070 405,296 -6.96 3 Pembiayaan 882,288 933,173 791,878 -10.25 4 Laba 11,123 27,199 23,901 114.88 5 CAR 57.10 57.06 72.33 15.23 6 ROA 0.92 1.81 1.78 0.86 7 ROE 2.67 4.99 5.24 2.57 8 BOPO 113.49 92.11 83.89 -29.60 9 FDR 90.67 98.36 92.82 2.15 10 NPF GROSS 7.90 4.44 4.94 -2.96 Berdasarkan tabel di atas, dapat dilihat bahwa Total Aset UUS BPD Kaltim di akhir tahun 2016 terealisasi di atas target dan mengalami peningkatan dari posisi akhir tahun 2015 mencapai angka 22,26, yaitu sebesar Rp 1,382 Trilyun di akhir tahun 2015 sedangkan di akhir tahun 2016 sebesar Rp 1,689 Trilyun. Lain halnya dengan posisi Dana Pihak Ketiga yang dihimpun UUS BPD Kaltim dalam bentuk Giro, Tabungan dan Deposito adalah sebesar Rp 853,209 Milyar terealisasi di bawah target Rencana Bisnis, dan mengalami penurunan dari posisi akhir tahun 2015 yang berada pada angka Rp 973,119 Milyar. Laba Sebelum Pajak yang diperoleh Unit Usaha Syariah pada akhir tahun 2016 adalah sebesar Rp 23,901 Milyar lebih rendah dari yang ditargetkan sebesar Rp 27,199 Milyar namun lebih tinggi dari pencapaian tahun 2015 yang lalu sebesar Rp 11,123 Milyar. dalam milyar rupiah | in trillion IDR Keterangan | Information UUS BPD Kaltim | BPD Kaltim Sharia Business Unit Perbankan Syariah Kaltim | sharia Banking Kaltim Share UUS BPD Kaltim | Share of BPD Kaltim Sharia Business Unit Total Aset | Total Asset 1,689 6,182 27.32 Dana Pihak Ketiga DPK | Third Party Fund 853 4,337 19.67 Pembiayaan | Financing 792 4,376 18.10 According to the table above, it can be seen that the total assets of BPD Kaltim Sharia Business Unit at the end of 2016 was realized above the target and increased from the end of 2015 reached 22.26, amounting to IDR 1,382 trillion at the end of 2015 while at the end of 2016 amounted to IDR 1,689 trillion. As with the position of Third Party Funds collected by BPD Kaltim Sharia Business Unit in the form of Giro, Savings and Deposits amounted to IDR 853.209 billion to be realized under the Business Plan targets, and decreased from the end of 2015 amounted to IDR 973,119 billion. Proit Before Tax obtained by Sharia at the end of 2016 was IDR 23,901 billion, lower than the targeted of IDR 27,199 billion but higher than the achievement of 2015 amounted to IDR 11,123 billion. Laporan Tahunan 2016 | BANKALTIM 229 2016 annual report | BANKALTIM Perkembangan Asset Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Asset Development Fiscal Year 2013-2016 in millions Rupiah Kantor Des 2013 Des 2014 Des 2015 Des 2016 KCS Samarinda | Samarinda Sharia Branch Oice 701,667 695,494 771,972 730,062 KCS Balikpapan | Balikpapan Sharia Branch Unit 199,052 175,652 204,902 258,637 Divisi UUS | Sharia Business Unit Division 248,749 339,107 491,371 862,747 Konsolidasi | Consolidation 1,138,282 1,204,731 1,382,227 1,689,890 Berdasarkan laporan Statistik Perbankan Syariah Per November 2016 yang dirilis oleh Otoritas Jasa Keuangan OJK, total Aset Perbankan Syariah di Kalimantan Timur yang terdiri dari Bank Umum Syariah BUS maupun Unit Usaha Syariah UUS mencapai Rp. 6,182 triliun. Realisasi Aset UUS BPD Kaltim sendiri mencapai Rp. 1,373 triliun, yang berarti menyumbang share sebesar 22.21. Adapun Penyaluran Pembiayaan Perbankan Syariah di Kalimantan Timur per November 2016 mencapai 4,376 triliun. Realisasi Pembiayaan UUS BPD Kaltim sendiri sebesar Rp. 856 miliar, berarti menyumbang share sebesar 19.57. Sedangkan Penghimpunan dana masyarakat DPK Perbankan Syariah se-Kalimantan Timur per November 2016 mencapai Rp. 1,197 triliun. Realisasi Penghimpunan DPK oleh UUS BPD Kaltim sendiri sebesar Rp. 829 miliar, berarti menyumbang share sebesar 19.10. Kinerja BPD Kaltim Unit Usaha Syariah Asset Realisasi Asset konsolidasi sebesar Rp. 1,689,890 juta sedangkan target pada Triwulan IV 2016 adalah Rp. 1,655,128 juta, sehingga pencapaian sebesar 102.10 atau terdapat kelebihan sebesar 2.10 atau setara Rp. 34,762 juta. Sementara itu jika dibandingkan dengan realisasi Asset pada Triwulan IV 2015 sebesar Rp. 1,382,227 juta, maka Asset konsolidasi mengalami kenaikan sebesar 22.26 YoY atau setara Rp. 307,662 juta. Based on Islamic Banking Statistics report as of November 2016, released by the Financial Services Authority FSA, total assets of Islamic Banking in East Kalimantan consists of Sharia Commercial Bank BUS and Sharia Business Unit UUS was reached IDR 6,182 trillion. Assets Realization of BPD Kaltim Sharia Business Unit alone reached IDR 1,373 trillion, which means contribute share by 22.21. As for the distribution of inancing of Islamic Banking in East Kalimantan per November 2016 reached IDR 4,376 trillion. Financing Realization of BPD Kaltim Sharia Business Unit itself amounted to IDR 856 billion, means contribute share by 19.57. While public funds DPK raising of Islamic Banking throughout East Kalimantan as of November 2016 reached IDR 1,197 trillion. Realization of the Third Party Fund Raising by BPD Kaltim Sharia Business Unit itself amounted to IDR 829 billion, which means contribute in share by 19.10. Performance of BPD Kaltim Sharia Business Unit Asset Realization of the consolidated assets amounted to Rp. 1,689,890 million while the target in the fourth quarter 2016 is IDR. 1,655,128 million, so that the achievement by 102.10 or there is an excess by 2.10 or equivalent with IDR 34,762 million. Meanwhile when compared with the realization of assets in the fourth quarter 2015 by IDR 1,382,227 million, the consolidated assets increased by 22.26 YoY or equivalent to IDR 307,662 million. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 230 Graik Perkembangan Asset Tahun Buku 2013 - 2016 dalam Jutaan Rupiah | Graph of Asset Development Fiscal Year 2013-2016 in millions Rupiah 1,800,000 1,600,000 1,400,000 1,200,000 1,000,000 800,000 600,000 400,000 200,000 - Des 2013 Des 2014 Des 2015 Des 2016 KCS Samarinda Samarinda Sharia Branch Oice Balikpapan Sharia Branch Oice Sharia Business Unit Division Consolidation KCS Balikpapan Divisi UUS Konsolidasi Pembiayaan Realisasi Pembiayaan yang mampu disalurkan sebesar Rp. 791,878 sedangkan target Per Triwulan IV 2016 adalah sebesar Rp. 933,172 juta, sehingga pencapaian sebesar 84.86 atau masih terdapat kekurangan sebesar 15.14 atau setara Rp. 141,294 juta. Jika dibandingkan dengan realisasi Pembiayaan pada Triwulan IV 2015 sebesar Rp. 882,288 juta, maka Pembiayaan konsolidasi mengalami penurunan sebesar -10.25 YoY atau setara Rp. -90,410 juta. Tabel Perkembangan Pembiayaan Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Table of Financing Development Fiscal Year 2013-2016 in millions Rupiah Kantor | Oice Des 2013 Des 2014 Des 2015 Des 2016 KCS Samarinda | Samarinda Sharia Branch Oice 693,122 688,267 708,223 602,960 KCS Balikpapan | Balikpapan Sharia Branch Oice 148,325 160,875 174,064 188,919 Konsolidasi | Consolidation 841,447 849,142 882,288 791,878 Graik Pertumbuhan Pembiayaan Tahun Buku 2013 - 2016 dalam Jutaan Rupiah | Graph of Financing Development Fiscal Year 2013-2016 in millions Rupiah 1,000,000 900,000 800,000 700,000 600,000 500,000 400,000 300,000 200,000 100,000 - Des 2013 Des 2014 Des 2015 Des 2016 Financing Realization of Financing that is capable distributed amounted to IDR 791,878 while the target of Fourth Quarter 2016 amounted to IDR 933,172 million, so that the achievement by 84.86 or there are shortages by 15.14 or equal to IDR 141,294 million. When compared with the realization of inancing in the fourth quarter 2015 by IDR 882,288 million, then the consolidated inancing declined by -10.25 year on year, equivalent to IDR -90,410 million. Laporan Tahunan 2016 | BANKALTIM 231 2016 annual report | BANKALTIM Ada beberapa faktor yang menyebabkan belum tercapainya realisasi Pembiayaan terhadap target Rencana Bisnis Triwulan IV 2016. Antara lain : 1. Perlambatan ekonomi Kalimantan Timur dan Kalimantan Utara sepanjang tahun 2016 menyebabkan ikut melambatnya kegiatan ekonomi di tengah-tengah masyarakat. Sehingga ikut mempengaruhi minat dan jumlah permohonan Pembiayaan baru. 2. Meningkatnya resiko Pembiayaan bermasalah sepanjang tahun 2016, sejalan dengan perlambatan ekonomi, membuat Kantor Cabang sangat berhati-hati dalam memutuskan permohonan Pembiayaan baru. 3. Adanya pelunasan bertahap oleh PT. Pegadaian terhadap Kantor Cabang Syariah Samarinda dalam Pembiayaan Musyarakah Sindikasi sebesar Rp. 65,000,000,000,- Per Desember 2016. Sebelumnya juga telah dilakukan sell down sebesar Rp. 25,000,000,000,- kepada Unit Usaha Syariah Bank DKI per September 2016. DPK Realisasi Dana Pihak Ketiga DPK dalam bentuk Giro, Tabungan maupun Deposito Berjangka sebesar Rp. 853,209 juta sedangkan target Triwulan IV 2016 sebesar Rp. 948,776 juta, sehingga pencapaian sebesar 89.93 atau masih terdapat kekurangan sebesar -10.07 atau setara Rp. -95,567 juta. Jika dibandingkan dengan realisasi DPK pada Triwulan IV 2015 sebesar Rp. 973,118 juta, DPK mengalami penurunan sebesar -12.32 YoY atau setara Rp. -119,908 juta. Perkembangan DPK Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Third Party Fund Development Fiscal Year 2013-2016 in millions Rupiah Perkembangan DPK Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Third Party Fund Development Fiscal Year 2013-2016 in millions Rupiah Kantor | Oice Des 2013 Des 2014 Des 2015 Des 2016 KCS Samarinda | Samarinda Sharia Branch Oice 555,874 610,831 766,937 660,520 KCS Balikpapan | Balikpapan Sharia Branch Oice 203,231 172,607 206,180 192,689 Konsolidasi | Consolidation 759,105 783,437 973,118 853,209 There are several factors that lead to not yet achieved the realization of inancing of the Business Plan targets of fourth quarter 2016. Among other: 1. The economic slowdown in the North and East Kalimantan throughout 2016 led to the slowing in economic activity in the midst of society. So it would afect the interest and number of applications for new inancing. 2. The increase of non performed inancing risk throughout 2016, in line with the economic slowdown, makes the Branch Oice to be very careful in deciding the application for new inancing. 3. The existence of a gradual settlement by PT. Pegadaian against Samarinda Branch Oice in Musyarakah inancing syndicated amounted to IDR 65,000,000,000 as of December, 2016. Have previously performed a sell down amounted to IDR 25,000,000,000, - to the Bank DKI Syariah Business Unit per September 2016. Third-party funds Realization of Third Party Fund DPK in the form of Giro, Savings and Time Deposits by IDR 853,209 million while the target of the fourth quarter 2016 by IDR 948,776 million, so that the achievement by 89.93 or there is still a shortfall of -10.07, equivalent to IDR -95,567 million. When compared with the realization of third party funds in the fourth quarter 2015 by IDR 973,118 million, Third Party Fund declined by -12.32 year on year, equivalent to IDR -119,908 million. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 232 Perkembangan DPK Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Third Party Fund Development Fiscal Year 2013-2016 in millions Rupiah 1,200,000 1,000,000 800,000 600,000 400,000 200,000 - Des 2013 Des 2014 Des 2015 Des 2016 Perlambatan ekonomi nasional maupun regional diprediksi masih berlanjut pada tahun 2017. Situasi ini disikapi berupa eisiensi belanja Pemerintah oleh seluruh Pemerintah Daerah se-Kalimantan Timur dan Kalimantan Utara sebagaimana tahun sebelumnya. Ini berarti Likuiditas semakin ketat di tengah-tengah masyarakat. Kantor Cabang telah diinstruksikan untuk menggarap pasar dana murah yang masih potensial, seperti tabungan anak, pelajar, pelaku UMKM, dan sebagainya. Selain itu, Kantor Cabang juga dituntut untuk berupaya meningkatkan pelayanan agar dapat merebut kue dana masyarakat dalam persaingan dengan bank- bank lain. Laba Realisasi Laba Tahun Berjalan sebelum Pajak sebesar Rp. 23,901 juta sedangkan target Triwulan IV 2016 sebesar Rp. 27,199 juta, sehingga pencapaian sebesar 87.87 atau masih terdapat kekurangan sebesar 12.13 atau setara Rp. 3,298 juta. Jika dibandingkan dengan realisasi Triwulan III 2016 yang baru mencapai Rp 13,475 juta, maka laba tumbuh signiikan sebesar 77.37 . Terdapat beberapa faktor yang menyebabkan pertumbuhan Laba dimaksud antara lain sebagai berikut : 1. Kinerja Departemen Pendanaan Divisi Bisnis Unit Usaha Syariah dalam pengelolaan Likuiditas akhir tahun sekaligus memaksimalkan pendapatan bank melalui placement pada instrumen- instrumen pasar uang dan pasar modal, baik pada Bank Indonesia maupun pada lembaga keuangan lainnya. National and regional economic slowdown is predicted to continue in 2017. This situation is addressed in the form of eiciency of government expenditure by all Regional Governments throughout East Kalimantan and North Kalimantan as in previous years. This means that liquidity is getting tougher in the midst of society. Branch oices have been instructed to work on the cheap fund market which is still potential, such as saving of children, students, MSME, and so on. In addition, the branch oice is also required to work to improve services in order to grab the cake of public funds in competition with other banks. Proit Realization of Current Year Proit before tax by IDR 23,901 million while the target of the fourth quarter 2016 by IDR 27,199 million, so the achievement amounted to 87.87 or there is still a shortfall of 12.13 or IDR 3,298 million. When compared with the realization of the third quarter of 2016 reached IDR 13,475 million, the proit grew signiicantly by 77.37. There are several factors that lead of proit growth as follows: 1. The performance of the Ministry of Finance, Business Division of Syariah Business Unit in the year-end liquidity management while maximizing the bank’s revenue through placement in money market and capital markets instruments, both at Bank Indonesia as well as in other inancial institutions. KCS Samarinda Samarinda Sharia Branch Oice KCS Balikpapan Balikpapan Sharia Branch Oice Konsolidasi Consolidation Laporan Tahunan 2016 | BANKALTIM 233 2016 annual report | BANKALTIM 2. Pelunasan bertahap oleh PT. Pegadaian sebesar Rp 65,000,000,000,- Per Desember 2016 dalam Pembiayaan Musyarakah Sindikasi PT. Pegadaian oleh Kantor Cabang Syariah Samarinda, menyebabkan penghapusan sebagian pencadangan Pembiayaan ini berubah menjadi laba Bank. 3. Penyelesaian beberapa Pembiayaan bermasalah oleh Kantor Cabang. Jika dibandingkan dengan realisasi Laba Triwulan IV 2015 sebesar Rp. 11,123 juta, maka Laba tumbuh 114.88 YoY. Perkembangan Laba Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Proit Development for Fiscal Year 2013-2016 in millions Rupiah Perkembangan Laba Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Proit Development for Fiscal Year 2013-2016 in millions Rupiah Kantor | Oice Des 2013 Des 2014 Des 2015 Des 2016 KCS Samarinda | Samarinda Sharia Branch Oice 30,797 25,394 880 11,656 KCS Balikpapan | Balikpapan Sharia Branch Oice 5,201 1,536 1,848 121 DIVISI UUS 4,647 10,305 13,851 12,124 Konsolidasi | Consolidation 30,243 37,235 11,123 23,901 Perkembangan Laba Tahun Buku 2013 - 2016 dalam jutaan Rupiah | Proit Development for Fiscal Year 2013-2016 in millions Rupiah 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 - 5,000 10,000 Des 2013 Des 2014 Des 2015 Des 2016 Melihat pertumbuhan Laba yang signiikan, tetapi belum mencapai target Rencana Bisnis Triwulan IV 2016, terdapat faktor-faktor yang menyebabkan hal tersebut : 1. Tingginya biaya bagi hasil Dana Pihak Ketiga DPK yang didominasi simpanan berjangka atau Deposito. Diharapkan ke depan Kantor Cabang bisa lebih memprioritaskan penjaringan nasabah baru pada pos Giro dan Tabungan. 2. Gradually redemption by PT. Pegadaian amounted to IDR 65,000,000,000, - as of December 2016 in Musyarakah inancing syndicated of PT. Pegadaian by Samarinda Sharia Branch Oice causing the partial elimination of the inancing backup turned into a Bank’s proit. 3. The completion of several non performing inancing by Branch Oice. When compared with the realization of Proit in Fourth Quarter 2015 amounted to IDR 11,123 million, the proit grew 114.88 YoY. Seeing the signiicant proit growth, but has not reached the target of the Business Plan for the fourth quarter of 2016, there are factors which cause it: 1. The high cost for the results of the Third Party Funds TPF, which dominated by the time deposits or deposits. It is expected that in the future Branch Oice can prioritize the election of new customers on the post of Giro and Savings. Divisi UUS KCS Samarinda Samarinda Sharia Branch Oice Balikpapan Sharia Branch Oice Sharia Business Unit Division KCS Balikpapan Konsolidasi Consolidation Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 234 2. Masih tingginya biaya pembentukan Cadangan Khusus Penurunan Nilai CKPN. Diharapkan Kantor Cabang bisa terus mengupayakan penyelesaian Pembiayaan- pembiayaan bermasalah di mana pembentukan cadangannya mengurangi Laba. 3. Tingginya Biaya Operasional Kantor Lainnya selain Biaya Operasional Tetap. Meliputi Biaya Beban Barang dan Jasa, Biaya Umum, dan Biaya Jasa Pihak Ketiga. Kantor Cabang telah disosialisasikan untuk menerapkan eisiensi menekan pengeluaran yang besar pada pos-pos tersebut. Pengembangan Kantor Layanan Perbankan Unit Syariah Perkembangan Jumlah Kantor Layanan Unit Syariah | Development of the number of Oice Services of Sharia Unit Kantor Cabang Syariah SMD | SMD Sharia Branch Oice Kantor Cabang Pembantu Syariah| Sharia Auxiliary Branch Oice Kantor Kas Syariah Sharia Cash oice Peyment Point | Payment Point KLS pada Kantor Cabang Konvensional | KLS at Conventional Branch Oice KLS pada Kantor Capem Konvensional | KLS at Conventional Auxiliary Branch Oice ATM pada Kantor Cabang Syariah | ATM at Sharia Branch Oice 2 12 2 9 14 12 3 2 13 2 9 13 11 3 2 14 2 9 13 13 3 2 14 2 9 13 13 3 2 14 4 14 13 13 3 2012 2014 2013 2015 2016 14 12 10 8 6 4 2 Hingga penghujung 2016, UUS BPD Kaltim memiliki 2 dua kantor cabang, yaitu Samarinda dan Balikpapan. Di bawah Kantor Cabang Syariah Samarinda terdapat 9 Sembilan Kantor Cabang Pembantu Syariah yang telah beroperasi. Sementara di bawah Kantor Cabang Syariah Balikpapan terdapat 5 lima buah Kantor Cabang Pembantu Syariah yang telah beroperasi. Lebih lanjut, UUS BPD Kaltim juga memiliki 4 empat buah Kantor Kas Syariah yaitu Kantor Kas YPI Yayasan Pendidikan Islam, Kantor Kas Syariah Rapak Dalam, Kantor Kas Mall Plaza Mulia Samarinda, dan Kantor Kas Syariah KM 5 Tanjung Redeb. 2. The high cost of the establishment of Allowance for Impairment Losses CKPN. It is expected that Branch Oice could always pursue the completion of non performing inancing in which the establishment of reserves diminish proit. 3. High Operational Costs of Other Oices other than Fixed Operating Costs. Covering Goods and Services Expenses Cost, Public Costs and Third Party Services cost, Branch oices have been socialized to implement eiciency by suppress large expenditure on these posts. Development Oice and Syariah Banking Unit Services Until the end of 2016, BPD Kaltim Sharia Business Unit has two 2 branches, which is Samarinda and Balikpapan. Under Samarinda Sharia Branch Oice there are 9 nine Sharia Auxiliary Branch Oice which has been in operation. Whereas, under Balikpapan Branch Oice there are ive 5 Sharia Auxiliary Branch Oice has been in operation. Furthermore, BPD Kaltim Sharia Business Unit also has 4 four Sharia Cash Oice which is YPI Cash Oice Islamic Education Foundation, Rapak Dalam Sharia Cash Oice, Mall Plaza Mulia Samarinda Cash Oice and KM 5 Cape Redeb Sharia Laporan Tahunan 2016 | BANKALTIM 235 2016 annual report | BANKALTIM Perkembangan Pegawai Sepanjang Tahun 2016 | Employee Development Throughout 2016 Bulan | Month Divisi UUS KANTOR PUSAT | Sharia Business Unit Division Headquarter KC Syariah Samarinda | Samarinda Sharia Branch Oice KC Syariah Balikpapan | Balikpapan Sharia Branch Oice Total | Total Januari | January 26 119 56 201 Februari | February 26 119 56 201 Maret | March 26 114 55 195 April | April 27 113 55 195 Mei | May 27 113 55 195 Juni | June 25 112 56 193 Juli | July 25 114 54 193 Agustus | August 25 115 54 194 September | September 26 113 56 195 Oktober | October 26 123 57 206 November | November 26 123 57 206 Desember | December 26 123 57 206 Perkembangan SDI selama tahun 2016 tidak mengalami peningkatan yang signiikan. Sepanjang bulan Januari - Desember 2016 jumlah pegawai hanya bertambah sebanyak 5 orang pegawai. Untuk sistem pengembangan pegawai termasuk diklat masih berinduk pada Kantor Pusat. Seiring dengan peningkatan payment point menjadi sebanyak 14 buah di tahun 2016. Selain jaringan tersebut, BPD Kaltim Syariah juga memberikan layanan Syariah oice channeling di beberapa kantor cabang dan cabang pembantu BPD Kaltim konvensional. a. Perencanaan dan pengembangan Produk baru selama 2016 : 1. Giro Mudharabah iB 2. Tabungan Pendidikan Cerdas iB 3. Tabungan Ibroh iB 4. Tabungan Qurban iB 5. BiSA Berkah iB 6. Tabungan Junior iB 7. Tabungan Prisma iB 8. Tabungan Rencana iB 9. Pembiayaan Multijasa iB 10. Pembiayaan Musyarakah Mutanaqisah iB 11. Pembiayaan Reinancing iB b. Perencanaan dan pengembangan Aktivitas baru selama 2016 : 1. Wakaf Uang iB 2. Sub Agen Pendanaan Syariah 3. Sub Agen Siskohat Perkembangan Sumber Daya Insani dan program pengembangannya Cash Oice, along with the increase in payment points into 14 units in 2016. Besides that network, BPD Kaltim Sharia also provides Sharia services oice channeling in several branches and auxiliary branches of BPD Kaltim Conventional. a. Planning and development of new products during 2016: 1. Giro Mudharabah iB 2. iB Smart Education Saving 3. Ibroh iB Saving 4. iB Qurban Saving 5. BiSA Berkah iB 6. iB Junior Saving 7. iB Prisma Saving 8. iB Plan Saving 9. iB Multiservices Financing 10. Financing of Musyarakah Mutanaqisah iB 11. Financing of Reinancing iB b. Planning and development of new activities during 2016: 1. iB Money Endowments 2. Islamic Financing Sub Agent 3. Siskohat Sub Agent The development of human resources and development program SDI development during 2016 was not signiicantly increased. Throughout January - December 2016 the number of employees only increased by 5 employees. Regarding staf development system, including education and training, are still rely on headquarters. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 236 Tahun 2015 2016 Selisih Nominal | Amount 31.779.160.556,63 32.995.907.546,97 1.216.746.990,34 Keterangan 2015 2016 Des Maret Juni September Desember I Komponen Modal v| I Capital Component A. Modal Inti | A. core capital 455,710 453,521 455,092 456,738 461,950 A. Modal Pelengkap | B. supplementary capital 10,003 8,924 8,993 8,761 8,124 II Total Modal Inti dan Modal Pelengkap | II Total of core capital and supplementary capital 465,713 462,445 464,085 465,499 470,074 III ATMR Untuk Risiko Kredit | III RWA for Credit Risk 799,474 712,232 717,970 699,909 649,026 IV ATMR Untuk Risiko Pasar | IV RWA for Market Risk 745 1,692 1,461 1,000 861 V Rasio KPMM untuk Risiko Kredit | V CAR for Credit Risk 58.25 64.93 64.64 66.51 72.43 VI Rasio KPMM untuk Risiko Pasar | VI CAR for Market Risk 62511.78 27331.27 31764.88 46549.94 54596.24 a. Rencana Perubahan Modal Sesuai amanat Undang - undang No.212008 tentang Perbankan Syariah, bahwa Unit Usaha Syariah dari suatu Bank konvensional wajib spin of dengan ketentuan sebagai berikut : • Unit Usaha Syariah dari Bank Umum Konvensional wajib memisahkan diri menjadi Bank Umum Syariah tersendiri paling lambat 15 lima belas tahun sejak diberlakukannya Undang Undang No.21 Tahun 2008. • Nilai asetnya telah mencapai 50 dari total nilai aset induknya. Sesuai dengan PBI No.1110PBI2009 tentang modal minimal yang harus dimiliki oleh UUS untuk menjadi BUS maka modal minimal yang harus dimiliki sebesar Rp. 500 milyar dan harus ditingkatkan menjadi Rp. 1.000.000.000.000,- satu triliun rupiah dalam waktu 10 tahun sejak izin pendirian BUS diberikan. Terdapat peningkatan biaya tenaga kerja sebesar 4 pada tahun 2016 dibandingkan dengan biaya tenaga kerja tahun 2015, dengan rincian sebagai berikut : Permodalan UUS BPD Kaltim Pemenuhan Kewajiban Penyediaan Modal Minimum There is an increase in labor costs by 4 in 2016 compared with labor costs in 2015, with details as follows: BPD Kaltim Sharia Business Unit Capital Fulillment of the Capital Adequacy a. Upcoming Changes to Capital As stipulated by the Law No 212008 on Islamic Banking, that Sharia Business Unit of Conventional Bank required a spin of with the following conditions: • Sharia Business Unit of Conventional Bank shall split of into a separate Sharia Commercial Banks no later than 15 ifteen years since the enactment of Law No 212008. • The value of assets has reached 50 of the total value of assets of the parent company. In accordance with PBI No.11 10 PBI 2009 regarding the minimum capital should be owned by Sharia Business Unit to be Sharia Commercial Banks, the minimum capital must be owned amounted to IDR 500 billion and should be increased to IDR 1,000,000,000,000 one trillion within 10 years since the establishment permit of Sharia Commercial Banks is given. Laporan Tahunan 2016 | BANKALTIM 237 2016 annual report | BANKALTIM Proyeksi | Projection 2016 2017 2018 2019 2020 450.000 600.000 800.000 1040.000 Spin of Dalam jutaan rupiah | In million rupiah Keterangan : Dimungkinkan Spin of | Description: Possible Spin of Pengelolaan Human Capital Manajemen pengelolaan sumber daya manusia di Bank Pembangunan Daerah Kalimantan Timur meliputi segi-segi perencanaan, pengorganisasian, pelaksanaan, dan pengendalian. Proses ini terdapat dalam seluruh bidang seperti : layanan, pemasaran, keuangan, perkreditan dan kepegawaian. Karena sumber daya manusia SDM diangggap semakin penting perannya dalam pencapaian visi dan misi BPD Kaltim. Upaya mencapai visi dan misi BPD Kaltim diwujudkan dengan senantiasa memandang karyawan BPD Kaltim dengan menggunakan pendekatan Human Capital yang berarti setiap karyawan menjadi aset berharga BPD Kaltim yang secara berkelanjutan perlu ditingkatkan kualitas, kompetensi dan karakter, karir serta kesejahteraan dari setiap karyawan untuk menumbuhkan rasa kenyamanan dan kebanggaan pegawai terhadap BPD Kaltim. Fokus pengembangan organisasi dan Human Capital Bank Kaltim kedepan harus bisa meningkatkan kompetensi pegawainya di Perkreditan, kompetensi Manajemen Risiko, Pengendalian Internal, Servis Budaya yang berorientasi pada nasabah, Budaya Sadar Risiko dan Budaya Kepatuhan sebagai bagian dari Budaya Perusahaan dalam rangka perbaikan landasan BPD Kaltim, sekaligus menjawab tantangan BPD Kaltim Regional Champion dan memastikan daya saing BPD Kaltim dalam menghadapi persaingan yang semakin ketat. Namun untuk menjaga likuiditas UUS saat Spin Of menjadi BUS modal yang dimiliki harus lebih besar dari modal minimum yang dtetapkan oleh regulator. Paling tidak diharapkan modal mencapai Rp. 1.000.000.000.000,- satu triliun Rupiah saat akan Spin Of. Diharapkan komitmen dan kebijakan dari Direksi untuk menambah modal disetor setiap tahun hingga mencapai Rp. 1 triliun pada tahun 2019. However, to maintain Sharia Business Unit liquidity when the spin-of into a Sharia Commercial Bank, owned capital should be greater than the minimum capital set by the regulator. At least, the capital is expected to reach IDR 1,000,000,000,000 one trillion Rupiah when Spin Of performed. It is expected that commitments and policies of the Board of Directors to increase the paid up capital in each year until it reaches IDR 1 trillion by 2019. Human Capital Management Human resource management in East Kalimantan Regional Development Bank covers aspects of planning, organizing, actuating, and controlling. The process is contained in whole areas such as: service, marketing, inance, credit and employment. Because of the role of human resources HR is considered increasingly important in achieving the vision and mission of BPD Kaltim. Eforts to achieve the vision and mission of BPD Kaltim realized by always looking at employees of BPD Kaltim using Human Capital approach which means that each employee is a valuable asset of BPD Kaltim, who continuously need to be improved in quality, competence and character, career as well as the well-being of every employee to develop a sense of convenience and pride of employees to BPD Kaltim. The focus of organizational development and Human Capital of Bank Kaltim in the future is to be able to improve the competence of employees in the Credit, the competence of Risk Management, Internal Control, Service, Customer Oriented Culture, Risk Awareness Culture and Compliance Culture as part of Company culture in order to improve the foundation of BPD Kaltim, as well as answering the challenges of BPD Kaltim Regional Champion and ensure the competitiveness of BPD Kaltim in facing the competition that increasingly tight. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 238 Perkembangan Jumlah Pegawai 5 Tahun Terakhir | Employees Number Development in 5 years 2000 1800 1600 1400 1200 1000 800 600 400 200 2012 2013 2014 2015 2016 1459 1693 1875 1908 1922 Jumlah Pegawai BPD Kaltim Berdasarkan Wilayah Kerja | Number of BPD Kaltim Employees Based on Work Area 400 350 300 250 200 150 100 50 Pu sat SMD Tn. P aser BPN TG R TRK Tj . RDB Tj . SLR BTG NNK SGT SDR MLN PNJ JKT Td . P ale Sy . SMD Sy . BPN 387 247 88 62 71 70 36 34 122 56 149 124 68 89 92 70 84 73 Upaya pengembangan sumber daya manusia di BPD Kaltim secara terukur, sistematis, komprehensif dan terintegrasi serta inline dengan Visi, Misi, dan Kebijakan Strategi BPD Kaltim ditempuh melalui transformasi pengembangan kapabilitas organisasi dan sumber daya yang dituangkan dalam bentuk Blue Print Human Capital Transformation BPD Kaltim Tahun 2015- 2019. Khusus rencana pencapaian dari tahun 2015 - 2016 yang sejalan dengan perbaikan kondisi Bank Kaltim saat ini adalah memperkuat fondasi organisasi BPD Kaltim dan budaya perusahaan 6C : Championship, Creativity, Caring, Character, Citizenship, dan Customer Fokus untuk memperkuat landasan keuangan meliputi peningkatan Dana Pihak Ketiga dan Penyelesaian Kredit bermasalah. Proil Pegawai BPD Kaltim Tahun 2016 Human resource development eforts in BPD Kaltim in a measured, systematic, comprehensive and integrated as well as inline with Vision, Mission, and Strategy Policy of BPD Kaltim reached through the transformation of the development of organizational capabilities and resources which is manifested in a Blue Print Human Capital Transformation of BPD Kaltim Year 2015-2019. Especially the achievement plan from 2015 – 2016 which is in line with the improvement of the current Bank Kaltim is to strengthen the organizational foundation of BPD Kaltim and corporate culture 6C: Championship, Creativity, Caring, Character, Citizenship, and Customer Focus to strengthen the inancial foundation include an increase in third party funds and completion of nonperforming loans. Employee Proile BPD Kaltim 2016 Laporan Tahunan 2016 | BANKALTIM 239 2016 annual report | BANKALTIM Komposisi Pegawai Berdasarkan Tingkat Pendidikan | Employees Composition Based on Education Level 66.8 7.7 0.2 19.5 0.3 0.2 5.1 0.3 S3 S2 S1 D3 D2 SLTA SLTP SD Komposisi Pegawai Berdasarkan Jenis Kelamin | Employees Composition Based on Gender 52 48 Laki-laki | Male Perempuan | Female 15-19 Tahun Year 20-24 Tahun Year 25-29 Tahun Year 30-34 Tahun Year 35-39 Tahun Year 40-44 Tahun Year 45-49 Tahun Year 50-54 Tahun Year 55-59 Tahun Year diatas 60 Tahun Year 4 73 272 278 137 77 74 58 20 5 3 193 350 216 85 22 30 21 2 2 Pria| Male Wanita | Female 400 350 300 250 200 150 100 50 Jumlah Pegawai Berdasarkan Usia | Employee Number Based on Age Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 240 Jumlah Pegawai Berdasarkan Status Kepegawaian | Employees Number Based on Employment Status 1400 1200 1000 800 600 400 200 Dew an P enga w as | Sup er visor y B oar d Dew an P enga w asan S yariah | Shar ia S up er visor y B oar d Dir ektur | Dir ec tor Komit e | Committ ee Kon trak | Contr ac t Outsour cing | Outsour cing Tetap | Per manent Tr ainee | Tr ainee 3 2 4 116 3 456 1384 1338 Strategi Pengembangan Human Capital a. Program yang Telah Dilaksanakan Tahun 2016. 1. Melaksanakan program pendidikan dan pelatihan bagi seluruh pegawai BPD Kaltim dalam rangka untuk meningkatkan kompetensi pegawai sesuai dengan unit kerja. 2. Melaksanakan beberapa pelatihan yang terkait dengan pengembangan sistem penilaian dan beban kerja human capital dalam rangka untuk meningkatkankualitas sumber daya manusia BPD Kaltim, yang terdiri dari : • Pelaksanaan workshop sistem manajemen kinerja berbasis balanced score card level cabang yang bertujuan untuk dapat menjalankan P3 pay for performance sebagaisalah satu komponen dalam sistem penggajian BPD Kaltim. • Pelaksanaan lanjutan diklat bagi Pemimpin Cabang Pembantu secara menyeluruh dan dilaksanakan secara berkesinambungan. 3. Melakukan eisensi biaya penunjang penyelenggaraan pendidikan dan pelatihan, seperti biaya akomodasi dengan melakukan sistem share room bagi pegawai yang mengikuti pelatihan dan berasal dari luar Kantor Cabang Samarinda 4. Menyusun mutasi dan promosi pegawai untuk menempati beberapa jabatan yang kosong sesuai dengan struktur organisasi, termasuk juga pemenuhan kebutuhan pegawai berdasarkan arah kebijakan rencana bisnis. Human Capital Development Strategy a. Program Executed in 2016. 1. Conduct education and training programs for all employees in BPD Kaltim in order to improve the competence of employees in accordance with the work unit. 2. Conduct some training related to the development of the assessment system and the workload of human capital in order to improves the quality of human resources in BPD Kaltim, which consists of: • Implementation of workshop of performance management system based on balanced score card at the branch level that aims to be able to run P3 pay for performance as one component in the payroll system of BPD Kaltim. • Implementation of advanced education and training for Auxiliary Branch Leader thoroughly and implemented on an ongoing basis. 3. Eiciency of supporting cost of education and training activities, such as accommodation costs by performing share room systems for employees who attend training and who comes from outside of Samarinda Branch Oice. 4. Prepare the transfer and promotion of employees to occupy some of vacant positions in accordance with the organizational structure, as well as meeting the needs of employees based on the policy direction of the business plan. Laporan Tahunan 2016 | BANKALTIM 241 2016 annual report | BANKALTIM 5. Implementasi Pegawai Tetap Usia Pensiun 40 Tahun; bagi pegawai - pegawai kontrak administrasi existing di BPD Kaltim yang dilaksanakan melalui 2 tahap. 6. Implementasi Pegawai Tetap Non Administrasi Satpam, Caraka, Driver, dan Cleaning Service menjadi Pegawai Tetap Administrasi alih status tahun 2016 dengan pelaksanaan Assesment dan telah diumumkan melalui SK Direksi. 7. Pelaksanaan Assesment Calon Pejabat Eselon IV, Eselon III dan Eselon II untuk mencari kandidat calon pejabat untuk memenuhi kebutuhan organisasi yang dinamis kedepannya. 8. Implementasi Tindak Lanjut Pelaksanaan Putusan Pengadilan Hubungan Industrial di Pengadilan Negeri Samarinda Nomor: 701KPdt.Sus-PHI2014 terkait pengangkatan sebagai Pegawai Tetap anggota Speedyi. 9. Finalisasi Proses Rekrutmen Oicer Pegawai Tetap Usia Pensiun 56 Tahun tahun 2016 yang akan diikat SPK Trainee dan Ikatan Dinas per tanggal 01 Februari 2017. 10. Pembayaran Penghargaan Masa Bhakti Pegawai dengan masa kerja 15 tahun 25 tahun. 11. Perubahan SK Alokasi Dana Kesejahteraan 12. Perubahan SK Tunjangan Perumahan bagi Pejabat Struktural dan Operasional 13. Pembayaran Premi Asuransi Jiwasraya untuk Tahun Buku 2015 2016 14. Perubahan SK Pembayaran Honorarium bagi Anggota Dewan Pengawas 15. Pembayaran tambahan Iuran DPLK Jiwasraya untuk Tahun Buku 2015 16. Perubahan SK Pembayaran Uang Makan Direksi dan Pegawai. 17. Mengeluarkan daftar nama pegawai yang dapat melaksanakan Cuti Besar Tahun 2017 b. Program Kerja Jangka Menengah 1. Finalisasi Program Work Load Analysis WLA. 2. Finalisasi Analisa Key Performance Index KPI 3. Penyempurnaan Program dan Database Aplikasi Human Capital Information System HCIS 4. Penyusunan Term Of Reference TOR Sistem Penggajian dan Kepangkatan Pegawai terbaru. 5. Implementation of 40 year old Pension Age of Permanent Employees; for employees of administrative contracts existing in BPD Kaltim which implemented through two stages. 6. Implementation of Non Administration Permanent Employees Security, Caraka, Driver, and Cleaning Service into a Administration Permanent Employees transfer status in 2016 with the implementation of the Assessment, and was published through Decree of Directors. 7. Assessment Implementation of Echelon IV, Echelon III and Echelon II Candidates to seek oicial candidate to meet the needs of dynamic organizations in the future. 8. Implementation of the Execution Follow up of Industrial Relations Court decision at Samarinda District Court No. 701KPdt.Sus- PHI2014 on the appointment of Speedyi members Permanent Employees. 9. Finalization of Oicer Recruitment Process Permanent Employees with 56 Years Pension Age in 2016 which will be tied by SPK Trainee and tied by February 1, 2017. 10. Payment of Employees Service Period Awards with tenure of 15 years and 25 years. 11. Amendment to Decree of Welfare Fund Allocation 12. Amendment to Decree of Housing Allowance for Structural and Operational Oicial 13. Jiwasraya Insurance Premium Payments for Fiscal Year 2015 and 2016 14. Amendment to Decree of Honorarium payments for Supervisory Board Members 15. Additional payments for Jiwasraya Pension Fund Contribution for Fiscal Year 2015 16. Amendment to Decree of Eat Payment of Directors and employees. 17. Issuing a list of names of employees who can carry out Big Furlough in 2017 b. Medium Term Work Program 1. Finalization of Work Load Analysis WLA Program. 2. Finalization of Analysis of Key Performance Index KPI 3. Completion of Human Capital Information System HCIS Application Program and Database 4. Term Of Reference TOR Preparation of latest Payroll Systems and Employee Rank. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 242 5. Valuasi Aktuaria untuk Tahun 2016. 6. Proses Pengadaan Pakaian Dinas bagi Direksi dan Pegawai 7. Rekrutmen Pegawai Kontrak yang dilakukan oleh masing-masing Kantor Cabang termasuk diantara rekrutmen bersama yang dilakukan oleh Cabang Tarakan, Cabang Malinau, dan Cabang Tideng Pale. 8. Pelaksanaan Rekrutmen Terbatas untuk kebutuhan Pegawai Kontrak Kantor Pusat serta Cabang terdekat yang memiliki kekurangan pegawai. 9. Membuka Program Pensiun Dini Bagi Pegawai dengan sasaran utama pegawai - pegawai yang Tidak Produktif Pensiun Dipercepat. 10. Pengarahan bagi karyawan yang akan pensiun. 11. Pelaksanaan Assesment Calon Pejabat Eselon I untuk mempersiapkan kandidat pengisi jabatan struktural BPD Kaltim. 12. Penyusunan Road Map pengisian jabatan- jabatan struktural maupun professional sesuai dengan Struktur Organisasi maupun pembukaan jaringan operasional baru dan belum terisi 13. Evaluasi beberapa Standar Operasional Prosedur SOP diantaranya: • SOP Rekrutmen dan Assesment Pegawai, • SOP Tata tertib, • SOP Sanksi Administrasi, • SOP Manajemen Alih Daya, • SOP Pendidikan dan Pelatihan, • SOP Perjalanan Dinas, • SOP Aplikasi HCIS, • SOP Hak dan Fasilitas, • SOP Sistem Manajemen Kinerja, • SOP Pensiun Dipercepat, • SOP Kepangkatan dan Penggajian • SOP Hak-Hak Pensiun 14. Tata Kelola dan kebijakan remunerasi bagi Direksi, Dewan Pengawas dan Pegawai Bankaltim yang sesuai dengan POJK 45 POJK.032015 15. Melaksanakan program pendidikan dan pelatihan sebagai upaya untuk memenuhi kompetensi pegawai BPD Kaltim dengan lebih memfokuskan pada pegawai yang berada di unit business bank seperti unit kredit, pelayanan, prospek customer. Termasuk beberapa program Diklat meliputi : 5. Actuarial Valuation for 2016. 6. Process of Oice Clothing Procurement for Directors and Employees 7. Recruitment of Contract employees which performed by each branch oice including joint recruitment conducted by the Tarakan Branch, Malinau Branch, and Tideng Pale Branch. 8. Implementation of Limited Recruitment for the needs of Headquarters as well as nearest branch that has a shortage of staf. 9. Open Early Retirement Program for employee with unproductive employee as the main target. 10. 10. Brieing for employees who are going to retire. 11. Echelon I Candidate Assesment Implementation to prepare candidates for structural post of BPD Kaltim. 12. Road Map Preparation for structural and professional position illing in accordance with Organizational structure as well as the opening of new and unilled operational network. 13. Evaluation of some Standard Operating Procedures SOP, including: • SOP of Employee Recruitment and Assessment, • SOP of Regulations, • SOP of Administrative Sanctions, • SOP of Outsourcing Management, • SOP of Education and Training, • SOP of Oicial Travel, • SOP of HCIS application, • SOP of Rights and Facilities, • SOP of Performance Management System, • SOP of Early Retirement, • SOP of Ranks and Payroll • SOP Retirement Rights 14. Governance and remuneration policy for the Board of Directors, the Supervisory Board and the Employees of Bankaltim in accordance with POJK 45POJK.032015. 15. Implement education and training programs as an attempt to meet the BPD Kaltim’s employee competencies with more focus on employees who are in the business units of the bank such as credit unit, service, customer prospects. Including several training programs include: Laporan Tahunan 2016 | BANKALTIM 243 2016 annual report | BANKALTIM • Pelatihan managerial • Diklat Pemimpin Cabang Pembantu • Diklat Pemimpin Cabang • SESPIBANK • Pelatihan lainnya yang terkait dengan soft competence 16. Menyusun, membuat, mengawasi dan mengevaluasi program budaya perusahaan BPD Kaltim dengan tujuan untuk menurunkan tingkat entropi, mengurangi faktor-faktor penghambat kinerja dan melakukan internalisasi budaya secara berkesinambungan. c. Program Kerja Jangka Panjang 1. Pemenuhan Calon Direktur sesuai struktur organisasi baru. 2. Persiapan SDM untuk menindaklanjuti rencana Spin Of Unit Usaha Syariah. 3. Secara konsisten membangun budaya korporat 6C termasuk budaya pembelajaran, meritokrasi, budaya sadar risiko, budaya service excellent dan fokus pada nasabah, budaya kepatuhan yang mendukung pertumbuhan dan kemajuan bank. 4. Manajemen SDM untuk memperkuat 3 lini pertahanan bank dengan memperkuat organisasi manajemen risiko dan SKAI dengan staf yang berkompetensi khusus dan penguasaan perkreditan untuk mendukung irst line of defense, sehingga target bisnis dicapai dalam batas toleransi risiko. 5. Implementasi Sistem HCIS secara optimal dan terintegrasi seluruh unit kerja guna membantu seluruh proses administrasi dan data kepegawaian BPD Kaltim. • Managerial Training • Auxiliary Branch Leader Education and Training • Branch Leader Education and Training • SESPIBANK • Other training related to soft competence 16. Develop, create, monitor and evaluate the BPD Kaltim company’s culture program with the aim to reduce the level of entropy, reduce inhibiting factors of performance and internalize culture continuously. c. Long-Term Work Program 1. Fulillment of Director Candidates in accordance with the new organizational structure. 2. Human resources preparation for follow up the Syariah Business Unit Spin Of plans. 3. Consistently build a corporate culture 6C including learning culture, meritocracy, risk awareness culture, culture of service excellence and focus on customers, a culture of compliance which support the growth and advancement of the bank. 4. HR Management to strengthen the bank’s 3 defense line by strengthening the organization of risk management and Internal Audit Unit with staf who specially competent and mastering in credit to support the irst line of defense , so that the business targets achieved within the risk tolerance limits. 5. HCIS system implementation which optimally and integrated with all work units to assist in the whole process of administrative and personnel data BPD Kaltim. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 244 Assessment Assesment Center dilaksanakan untuk mencari kandidat untuk dipromosikan ke Jabatan Struktural maupun Jabatan Profesional. Assesment yang dilakukan antara lain: • Assesment Center Calon Pejabat Eselon IV untuk mencari kandidat Koordinator Pemimpin Kantor Kas atau Penyelia maupun Jabatan Profesional yang setara; • Assesment Center Calon Pejabat Eselon III untuk mencari kandidat Pemimpin Bidang maupun Jabatan Profesional yang setara; • Assesment Center Calon Pejabat Eselon II untuk mencari kandidat Pemimpin Cabang atau maupun Pemimpin Departemen; • Assesment Center Calon Pejabat Eselon I untuk mencari kandidat Pemimpin Divisi atau Pemimpin Wilayah. Assesment Center yang dilakukan telah disesuaikan dengan Kebutuhan Kompetensi Jabatan yang telah dirumuskan berdasarkan Kamus Kompetensi yang dimiliki oleh BPD Kaltim.Kompetensi yang dapat diukur adalah Kompetensi Inti dan Kompetensi Pendukung. Untuk Kompetensi Bidang dapat diukur dari pelatihan yang telah diterima maupun sertiikasi yang diikuti. Pendidikan Pelatihan Alokasi Dana dan Realisasi Biaya Pendidkan dan Pelatihan Pegawai Sesuai dengan Surat Edaran Bank Indonesia Nomor 3124UPPB dan SK Direksi Bank Indonesia Nomor 31310KEPDIR tanggal 31 Maret 1999 perihal Penyediaan Dana untuk Pengembangan Sumber Daya Manusia Bank Umum dimana besarnya dana Pendidikan dan Pelatihan sekurang – kurangnya 5 dari Anggaran Pengeluaran Sumber Daya Manusia. Menunjuk pada Surat Edaran tersebut, sesuai dengan rencana bisnis BPD Kaltim tahun 2016, proyeksi biaya diklat adalah sebesar 5 dari beban tenaga kerja dengan rincian sebagai berikut : No. Periode | Period Anggaran Biaya Tenaga Kerja | Labor Cost Budget Anggaran Biaya Pendidikan Pelatihan 5 | Education and Training Cost Budget 1. Tahun 2016 | Year 2016 626,046,000,000.00 31,302,000,000.00 2. Tahun 2015 | Year 2015 662,063,000,000.00 33,103,150,000.00 Assessment Assessment Center conducted to ind candidates to be promoted to the structural positions as well as Profesional.Assesment positions, conducted among others: • Assessment Center for Echelon IV Candidates to ind candidates of Coordinator Leader of Cash Oice or Supervisor as well as Professional Position equivalent; • Assessment Center for Echelon III Candidates to ind candidates of Sector Leaders as well as Professionals Positions equivalent; • Assessment Center for Echelon II Candidates to ind candidates of Branch Manager or Head of Department; • Assessment Center for Echelon I Candidates to seek candidates of Division Leader or Regional Leader. • Assessment Center that conducted has been adjusted to the Position Competency Requirements which have been formulated based on Competence Dictionary owned by BPD Kaltim. Competencies that can be measured is the core competence and supporting competence. For the Sector Competencies can be measured from the training which has been received as well as certiication that followed. Education and Training Employees’ Education and Training Fund Allocation and Cost Realization In accordance with Bank Indonesia Circular Letter No. 3124 UPPB and Board of Directors of Bank Indonesia Decree No. 31310 KEP DIR dated March 31, 1999 concerning Provision of Funds for Human Resource Development of commercial bank that the amount of education and training fund is at - least 5 of Human Resource’s Expenditures Budget. Refering to that circular letter, in accordance with BPD Kaltim business plan in 2016, the projected cost of the training is 5 of the labor expenditure, the details are as follows : Laporan Tahunan 2016 | BANKALTIM 245 2016 annual report | BANKALTIM Dari data diatas diketahui bahwa, tahun 2016 Anggaran Biaya Tenaga Kerja adalah sebesar Rp. 626,046,000,000.00 dan Tahun 2015 sebesar Rp. 662,063,000,000.00 sehingga dengan proyeksi biaya pendidikan dan pelatihan pada tahun 2016 sebesar 5 dari proyeksi biaya tenaga kerja atau pada Tahun 2016 sebesar Rp. 31,302,000,000.00 dan pada Tahun 2015 sebesar Rp. 33,103,150,000.00. Rasio Dana Pendidikan dan Pelatihan Total biaya diklat secara konsolidasi yang terealisasi sampai dengan periode 31 Desember 2016 adalah Sebesar Rp.19,921,183,098.25, dengan pencapaian sebesar 63,64 dari anggarana biaya diklat. Sedangkan untuk rasio biaya diklat terhadap anggaran biaya tenaga kerja triwulan IV adalah sebesar 3,18 . Penyelenggaraan Kegiatan Pendidikan Pelatihan Sesuai dengan tujuannya, diklat dilaksanakan untuk meningkatkan pengetahuan, keahlian, keterampilan, sikap dan perilaku pegawai untuk dapat melaksanakan tugas secara professional dalam mencapai tujuan-tujuan yang telah ditetapkan oleh Bank. Adapun pelatihan pendidikan yang telah dilakukan selama tahun 2016 adalah sebagai berikut. Daftar Pelatihan Program Pengembangan Public Classic Training BPD Kaltim. From the above data, it is known that, Labor Cost Budget in 2016 is IDR 626,046,000,000.00 and in Year 2015 amounted to IDR 662,063,000,000.00 so that the cost projections of education and training in 2016 amounted to 5 of the projected cost of labor cost or on Year 2016 IDR 31,302,000,000.00 and in 2015 amounted to Rp. 33,103,150,000.00. The ratio of Education and Training Fund Total training cost by consolidation realized until the period of December 31, 2016 is amounted to IDR 19,921,183,098.25, with the achievement of 63,64 of the training costs budget. While for training cost budget ratio of labor costs for the fourth quarter is 3.18. Education Training Activities Implementation In accordance with its objectives, the training is carried out to improve the knowledge, expertise, skills, attitudes and behavior of its personnel to carry out tasks in a professional manner to achieve the objectives determined by the Bank. As for the training and education that has been done over the years 2016 are as follows. List of Training Development Program Public Classic Training of BPD Kaltim. No No Kegiatan Activities Penyelenggara Organizer Tempat Place Peserta Participant 1 Workshop Kepatuhan Manajemen Risino : Optimalisasi Fungsi Kepatuhan Untuk Kredit Berkualitas Risk Management Compliance Workshop: Optimizing the Compliance Function for Qualiied Credit PT. Leadership Nasional PT. Leadership Nasional Jakarta Jakarta 1 Orang Person 2 Workshop Executive Overview perbankan syariah Executive Workshop of Sharia Banking Overview ICDIF - LPPI ICDIF - LPPI Samarinda Samarinda 4 Orang Person 3 Training Risk Based Bank Rating RBBR Risk Based Bank Rating RBBR Training OJK Bank Kalbar OJK Bank Kalbar Pontianak Pontianak 1 Orang Person 4 Sosialisasi Early Warning System ESW ATM Bersama Early Warning System ESW of ATM Bersama Socialization PT. Artajasa Pembayaran Elektronis Graha Artajasa PT. Artajasa Pembayaran Elektronis Graha Artajasa Jakarta Jakarta 1 Orang Person 5 Workshop Program Sindikasi Syndication Program Workshop Asbanda Asbanda Jakarta Jakarta 1 Orang Person Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 246 6 Workshop Peningkatan Kualitas Data Pelaporan Sistem Infomasi Debitur SID Debitor Information System Report’s Data Quality Improvement SID Workshop Bank Indonesia Bank Indonesia Jakarta Jakarta 2 Orang Person 7 Menghadiri Pembahasan dan Diskusi Teknis Implementasi Pemanfaatan Database Kependudukan KTP Elektronik Attending Discussion of E-KTP Demographic Database Utilization Implementation Technical Procedure Asbanda Asbanda Jakarta Jakarta 1 Orang Person 8 Focus Group Discussion Pembahasan Kajian Peraturan Menteri Keuangan Nomor 235 PMK.072015 tentang Konversi Penyaluran Dana Bagi Hasil danatau Dana Alokasi Umum Dalam Bentuk Nontunai Focus Group Discussion fo Discussion of the Minister of Finance Study No. 235 PMK.07 2015 on Proit Sharing Fund andor General Allocation Fund Provision Conversion In Noncash Form Asbanda Asbanda Jakarta Jakarta 1 Orang Person 9 Pelatihan Training Operasional Teknis dalam Implementasi SKNBI Generasi II Tahap II Layanan Bulk Payment 1 Training of Operational Technical Procedure in SKNBI Generation II Phase II Bulk Payment Service 1 Implementation Bank Indonesia Balikpapan Bank Indonesia Balikpapan Balikpapan Balikpapan 1 Orang Person 10 Workshop Marketing intelligence for bannking competition Workshop of Marketing Intelligence for banking competition PT.Infobank Lentera Cipta Kreasi PT.Infobank Lentera Cipta Kreasi Jakarta Jakarta 4 Orang Person 11 Workshop tata cara pelaksanaan riset dalam rangka pengembangan produk dan aktivitas baru Workshop of procedures for conducting research in order to develop new products and activities PT.Leinad Aganis PT.Leinad Aganis Jakarta Jakarta 4 Orang Person 12 Program Pemeliharaan Sertiikasi Manajemen Risiko Maintenance of Risk Management Certiication Program BSMR BSMR Jakarta Jakarta 1 Orang Person 13 Sosialisasi POJK tentang Pengembangan Jaringan Kantor Perbankan Syariah dalam Rangka Stimulus POJK Socialization on Network Development of Sharia Banking Oice Sharia in order to do stimulus Bank Indonesia Bank Indonesia Jakarta Jakarta 1 Orang Person 14 Training Professional Writing Skill Photo Jornalism Professional Writing Skill Photo Journalism Training Serikat Perusahaan Pers Serikat Perusahaan Pers Lombok Lombok 2 Orang Person 15 Sosialisasi Rencana Implementasi Sistem Kliring Nasional Bank Indonesia Tahap II Bulk Payment 2 Socialization of National Clearing System of Bank Indonesia Phase II Bulk Payment 2 Implementation Plan Bank Indonesia Bank Indonesia Jakarta Jakarta 2 Orang Person 16 Pelatihan Kertas Kerja Individual Integrated Stress Test Model Training of Individual Working Papers Integrated Stress Test Model Risk Management Guard Risk Management Guard Jakarta Jakarta 3 Orang Person 17 Workshop Membangun KPI Direksi - Komisaris dan Implementasi POJK No. 45 POJK.032015 terbit tanggal 28 Desember 2015 Tata Kelola yang Baik dalam Pemberian Remunerasi Berdasarkan Kinerja dan Risiko bagi Bank Umum Workshop of Building KPI of Directors - Commissioner and Implementation POJK No.45 POJK.03 2015 issued on December 28, 2015 Good Governance in Providing Remuneration Based on Performance and Risk for Commercial Banks Infobank Learning Center Infobank Learning Center Jakarta Jakarta 3 Orang Person 18 Laporan Kantor Pusat Bank Umum LKPBU dan Laporan Kantor Pusat LKP Commercial Bank Head Oice Report LKPBU and Head Oice Report PPR PT. Risk Management Guard PT. Risk Management Guard Jakarta Jakarta 1 Orang Person 19 Pelatihan Uji Sertiikasi Pengadaan di Bidang IT Certiied IT Procurement Expert Training Certiication Test of Procurement in IT Field Certiied IT Procurement Expert Sharing Vision Sharing Vision Bandung Bandung 2 Orang Person 20 Workshop Organization Development Organization Development Workshop GML Learning Consulting GML Learning Consulting Jakarta Jakarta 2 Orang Person 21 Workshop analisa kualitas kredit dengan menggunakan uji validasi credit risk modelling Workshop of credit quality analysis by using risk modeling credit validation test Infobank Learning Center Infobank Learning Center Jakarta Jakarta 6 Orang Person 22 Audit Kredit Sektor komersil dan korporasi : identiikasi risiko kredit dan pengendalian kredit bermasalah Credit Audit of corporate and commercial sector: credit risk identiication and non- performing loans control Info Bank Info Bank Jakarta Jakarta 6 Orang Person Laporan Tahunan 2016 | BANKALTIM 247 2016 annual report | BANKALTIM 23 Strategi Jitu menurunkan non performing loan dan memperbaiki prosedur penyaluran kredit melalui perpaduan implementasi POJK No. 11 POJK.032015Terbaru dengan best practice Efective Strategies in reducing non performing loan and repairing credit distribution procedures through a blend of POJK No. 11 POJK.03 2015 Recent implementation with best practice PT. Risk Management Guard PT. Risk Management Guard Samarinda Samarinda 6 Orang Person 24 Workshop Audit Transaksi Treasury berbasis manajemen risiko : mekanisme pengendalian operasional treasury perbankan Workshop of Treasury Transaction based risk management Audit: mechanisms of operational control of banking treasury Infobank learning center Infobank learning center Jakarta Jakarta 5 Orang Person 25 ESQ Service From Heart Communicatioon From Heart ESQ Service From Heart Communicatioon From Heart ESQ Leadership Center ESQ Leadership Center Samarinda Samarinda 41 Orang Person 26 Workshop Perpajakan Tax Workshop Ikatan Akuntansi Indonesia IAI Wilayah Kaltim Ikatan Akuntansi Indonesia IAI Wilayah Kaltim Samarinda Samarinda 2 Orang Person 27 Pembekalan Persiapan Uji Kompetensi Manajemen Risiko Tingkat I Bagi Calon Dewan Pengawas Preparation Debrieing for Risk Management Competency Test Level I Share for Candidates for the Supervisory Board PT. Leadership Nasional PT. Leadership Nasional Samarinda Samarinda 1 Orang Person 28 Uji Kompetensi Manajemen Risiko Tingkat I Bagi Calon Dewan Pengawas Risk Management Competency Test Level I for Candidate For Supervisory Board PT. Leadership Nasional PT. Leadership Nasional Samarinda Samarinda 1 Orang Person 29 Seminar Grow Your Sales, Wow Your Service Grow Your Sales, Wow Your Service Seminar Mark Plus Mark Plus Balikpapan Balikpapan 10 Orang Person 30 Workshop New Regulation Update POJK 45POJK.032015 : Prinsip Remunerasi dan Implikasinya Bagi Sistem Kompensasi Perbankan Workshop on New Regulations Update POJK 45 POJK.03 2015: Principles of Remuneration and Its Implications for Banking Compensation System PT. Infobank Lentera Cipta Kreasi PT. Infobank Lentera Cipta Kreasi Jakarta Jakarta 3 Orang Person 31 Workshop A to Z Good Corporate Governance GCG : Implementasi GCG secara utuh bagi se;uruh unit kerja terkait Workshop A to Z Good Corporate Governance GCG: GCG Implementation PT. Risk Management Guard PT. Risk Management Guard Bali Bali 2 Orang Person 32 Practical Public Speaking intact for se; uruh related units ESQ Leadership Center ESQ Leadership Center Jakarta Jakarta 6 Orang Person 33 Pelatihan Tematik Pelaporan LBU 2008 Tahun 2016 Practical Public Speaking Thematic training of LBU Reporting 2008 Year 2016 Bank Indonesia Bank Indonesia Solo Solo 2 Orang Person 34 Pelatihan Air Conditioning AC system design kajian dan analisis eisiensi teknis penggunaan listrik air conditioning AC sentral pada bangunan dan perusahaan Training of Air Conditioning AC system design and review and eiciency analysis of technical electricity usage of central air conditioning AC on building and company Indonesian Management Center Indonesian Management Center Jakarta Jakarta 2 Orang Person 35 Seminar Nasional BPD SI “Strategi Pertumbuhan BPD di Era Berlakunya PMK No. 235 PMK.072015 tentang Konversi Penyaluran DBH dan DAU dalam bentuk Non tunai” National Seminar of BPD SI BPD Growth Strategy in the Era of PMK No. 235 PMK.07 2015 on DBH and DAU Distribution Conversion DAU in Non-cash forms Asbanda Asbanda Riau Riau 5 Orang Person 36 Seminar Kebijakan Fiskal 2016 dan Perkembangan Ekonomi terkini Policy Seminar on Fiscal 2016 and Recent Economic Developments Kemenkeu Kaltim Kemenkeu Kaltim Samarinda Samarinda 1 Orang Person 37 Property Financing from bank perspective Property Financing from a bank perspective SSA Consulting SSA Consulting Jakarta Jakarta 5 Orang Person 38 Workshop LKPBU Form Laporan Pejabat Eksekutif, Tenaga Kerja, Jaringan Kantor dan Laporan Publikasi Bank Workshop of LKPBU Form of Executive Oicer, Labour, and Work Network Report and Bank Condensed Statements OJK OJK Jakarta Jakarta 4 Orang Person 39 IT audit berbasis manajemen risiko IT risk management-based audit Info Bank Info Bank Jakarta Jakarta 4 Orang Person 40 Workshop Undang-undang kepailitan Bankruptcy Law Workshop Kontan Academy Kontan Academy Jakarta Jakarta 2 Orang Person Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 248 41 Workshop Basel III likuiditas permodalan meningkatkan pengelolaan likuiditas dan strategi penguatan permodalan Workshop of Basel III liquidity and capital in improving management liquidity and capital reinforcement strategy PT.Risk Management Guard PT.Risk Management Guard Jakarta Jakarta 4 Orang Person 42 Workshop Revisi RBB 2016 : mendeteksi dampak regulasi baru yang bersinggungan langsung terhadap arah bisnis bank dalam jangka pendek dan menengah RBB Revision Workshop 2016: detect the impact of new regulations that directly inluence on the direction of the banks business in the short and medium term PT.Risk Management Guard PT.Risk Management Guard Jakarta Jakarta 2 Orang Person 43 Workshop Penyusunan SOP Marketing : untuk peningkatan kinerja citra pemasaran Marketing SOP Arrangement Workshop: for increasing performance and marketing image Info Bank Learning Center Info Bank Learning Center Jakarta Jakarta 2 Orang Person 44 Program Pemeliharaan Sertiikasi Manajemen Risiko, Workshop Penyusunan Kebijakan ICAAP Internal Capital Adequacy Assessment Process Risk Management Certiication Maintenance Program, Workshop Policy Formulation ICAAP Internal Capital Adequacy Assessment Process BSMR BSMR Jakarta Jakarta 1 Orang Person 45 Worket Risk - liquidity risk - stress test model - reverse stress test : iimplementation of market and liquidity risk and stress test model Worket Risk - Liquidity risk - stress test models - reverse stress test:implementation of market and liquidity risk and stress test models PT.Risk Management Guard PT.Risk Management Guard Jakarta Jakarta 2 Orang Person 46 Pembekalan uji kompetensi sertiikasi treasury dealer Debrieing of treasury dealer certiication competency test ACI Financial Market Association Indonesia ACI Financial Market Association Indonesia Jakarta Jakarta 2 Orang Person 47 Certiied Ethical Hacker CEH Exam Certiied Ethical Hacker CEH Exam Inixindo Jogja Inixindo Jogja Yogyakarta Yogyakarta 2 Orang Person 48 Workshop Penetration Testing Penetration Testing Workshop Solmit Bangun Indonesia Solmit Bangun Indonesia Bandung Bandung 3 Orang Person 49 ESQ Character Building and Service From Heart ESQ Character Building and Service From the Heart ESQ Leadership Center ESQ Leadership Center Samarinda Samarinda 51 Orang Person 50 The Power of Brand Journalism, Story Telling and Public Speaking to improve Corporate Reputation The Power of Brand Journalism, Story Telling and Public Speaking to improve Corporate Reputation PR Indonesia PR Indonesia Batam Batam 1 Orang Person 51 Workshop penerapan dan peran digital marketing dalam industri jasa keuangan workshop digital marketing for banking and inancial industry Workshop of the implementation and the role of digital marketing for banking and inancial industry Infobank learning center Infobank learning center Jakarta Jakarta 2 Orang Person 52 Workshop evaluasi program kerja Divisi SDM Human Capital Diklat learning Center Workshop of work program evaluation of the Human Resources Division Human Capital Training Learning Center PT.Risk Management Guard PT.Risk Management Guard Jakarta Jakarta 5 Orang Person 53 Workshop penerapan dan perhitungan, LCR-Basel III berdasarkan POJK No.42 POJK.032015 pengelompokan, perhitungan, data mapping Workshop of application and calculation, Basel III LCR based on POJK 42 POJK.03 2015 grouping, calculations, and the data mapping Infobank Infobank Jakarta Jakarta 6 Orang Person 54 Workshop analis kredit modal kerja dan kredit investasi pada pembiayaan sektor infrastruktur Workshop of aworking capital and investment loans analysts for infrastructure inancing Infobank Infobank Bandung Bandung 6 Orang Person 55 Workshop a comprehensive credit analysis throuh 10 parameter : kupas tuntas 9 karakter + 1 kapasitas usaha termasuk cash low analysis, analisa kebutuhan modal kerja investasi Workshop of comprehensive, credit analysis through 10 parameters: complete peeled of 9 characters + 1 capacity of business including cash low analysis, working capital requirements and investment analysis PT. Risk Management Guard PT. Risk Management Guard Jakarta Jakarta 5 Orang Person 56 Annual Gathering HIMDASUN 2016 Annual Gathering 2016 Himdasun HIMDASUN Perhimpunan Pedagang Surat Utang HIMDASUN Perhimpunan Pedagang Surat Utang Yogyakarta Yogyakarta 1 Orang Person Laporan Tahunan 2016 | BANKALTIM 249 2016 annual report | BANKALTIM 57 Workshop teknik efektif penulisan SOP di Industri Perbankan Workshop of efective techniques of writing SOP in the Banking Industry Infobank Infobank Jakarta Jakarta 1 Orang Person 58 Workshop Fungsi kepatuhan dan manajemen Risiko : optimalisasi peran, fungsi, tugas dan output bagi bank Workshop of compliance and risk management function: optimizing the role, functions, tasks and outputs for banks PT. Risk Management Guard PT. Risk Management Guard Jakarta Jakarta 1 Orang Person 59 Workshop ASWIFTINDO Networking forum 2016 ASWIFTINDO Networking 2016 forum Workshop ASWIFTINDO ASWIFTINDO Jakarta Jakarta 2 Orang Person 60 Uji Kompetensi Treasury Dealer Level Basic Intermediate tanggal 21 Mei 2016 Treasury Dealer Competency Test for Basic Intermediate Level, May 21, 2016 LSPP LSPP Jakarta Jakarta 2 Orang Person 61 Seminar Nasional Kearsipan : Providing Quality Digital Records Archives National Seminar: Providing Quality Digital Records Universitas Mulawarman Universitas Mulawarman Samarinda Samarinda 1 Orang Person 62 Sosialisasi Pergub No.30 Tahun 2014 tentang Pedoman Pengelolaan Arsip Pemerintah DesaKelurahan dan Peraturan Gubernur No.20 Tahun 2015 tentang pedoman pelaksanaan sertiikasi SDM Kearsipan bagi pejabat arsiparis pegawai negeri sipil. Socialization of Governor Regulation No. 30 year 2014 on District Village Governmental Archieves Management Guidelines and Governor Regulation No.20 of 2015 on guidelines for the implementation of Filing HR for civil servants oicial Archivists certiication. Badan Arsip Daerah Provinsi Kaltim Badan Arsip Daerah Provinsi Kaltim Samarinda Samarinda 2 Orang Person 63 Training Media Expose : Menjadi Humas, Sekretaris dan Protokoler yang efektif dan eisien Training of Media Expose: Being Public Relations, Secretary and Protocol who are efective and eicient Asbanda Asbanda Jakarta Jakarta 2 Orang Person 64 ESQ Executive Training ESQ Executive Training ESQ Leadership Center ESQ Leadership Center Jakarta Jakarta 3 Orang Person 65 Workshop Treasury Notional Pooling TNP Rekening Pemerintah Milik Kementrian Negara Lembaga Satuan Kerja pada Bank Umum Workshopof Treasury Notional Pooling TNP of Government Account Owned byThe State Ministry Agency Work Unit at Commercial Bank Kemenkeu RI Kemenkeu RI Jakarta Jakarta 2 Orang Person 66 Training Talent Management Talent Management Training PPM Management PPM Management Jakarta Jakarta 2 Orang Person 67 Workshop panduan pengukuran renumerasi komisaris, direksi, pejabat lainnya termasuk implementasi POJK No.45POJK.032015 tentang tata kelola yang baik dalam pemberian renumerasi bagi bank umum Workshop of remuneration calculation guide for commissioners, directors, oicers including implementation POJK 45 POJK.03 2015 on good governance procedures in the provision of remuneration for commercial banks PT.Risk Management Guard PT.Risk Management Guard Jakarta Jakarta 3 Orang Person 68 Workshop pendalaman petunjuk pelaksanaan lelang konvensional lelang e-auction pasca terbitnya peraturan Menteri Keuangan RI PMK No.27PMK 062016 Serta aspek legal eksekusi jaminan kredit bermasalah Workshop of manual deepening of conventional auction and e-auction after the publication of RI Finance Minister PMK regulation No.27 PMK062016 As well as the legal aspects of execution of non-performing loans collateral Lembaga Informasi Peraturan Public Lembaga Informasi Peraturan Public Bandung Bandung 3 Orang Person 69 Sosialisasi Ketentuan Pemantauan Kegiatan Lalu Lintas Devisa LLD Bank Socialization of Bank’s Foreign Exchange LLD Conditions Monitoring Bank Indonesia Bank Indonesia Jakarta Jakarta 2 Orang Person 70 Seminar Nasional Perpajakan “UU Pengampunan Pajak dan Kebijakan Perpajakan setelah pengampunan pajak National Seminar on Taxation Tax Forgiveness Law and Taxation Policy after tax amnesty IKPI IKPI Jakarta Jakarta 2 Orang Person 71 Workshop Pengadaan Barang Jasa Perusahaan di Era MEA 2017 Workshop on Procurement of Company Goods and Services in MEA 2017 Era Exindo Training Exindo Training Yogyakarta Yogyakarta 2 Orang Person 72 Pelatihan High Impact Presentations Training of High Impact Presentations Dale Carnige Dale Carnige Surabaya Surabaya 3 Orang Person 73 Pelatihan Konglomerasi keuangan : manajemen risiko, tata kelola, permodalan Proses Pembentukan Proil Risiko Terintegrasi, dan penyediaan modal terintegrasi antara Bank, Asuransi, Pembiayaan, Perusahaan Efek Training of inancial conglomerate: risk management, governance, capital Formation Process of Integrated Risk Proile and integrated capital provision between Bank, Insurance, Financing, Securities Company Risk Management Guard Risk Management Guard Jakarta Jakarta 5 Orang Person Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 250 74 Pelatihan penggunaanpengelolaan validator altova Training of the usage management of Altova validator PT. Cinovasi Rekaprima PT. Cinovasi Rekaprima Jakarta Jakarta 4 Orang Person 75 Workshop Sistem Penyampaian Informasi Nasabah Asing Dalam Rangka Implementasi Foregn Account Tax Compliance Act FACTA Workshop of Foreign Customer Information Submission System in the Context of foreign Account Tax Compliance Act FACTA Implementation OJK OJK Jakarta Jakarta 1 Orang Person 76 Pelatihan Internalisasi Implementasi Revolusi Mental Internalization Implementation of Mental Revolution Training ESQ Leadership Center ESQ Leadership Center Samarinda Samarinda 20 Orang Person 77 Workshop Pengadaan Barang Jasa Perusahaan di Era MEA 2017 angkatan II Workshop of Company Procurement of Goods and Services Company in MEA 2017 Era Class II Exindo Training Exindo Training Yogyakarta Yogyakarta 2 Orang Person 78 Sertiikasi Public Relation Certiication of Public Relations PR Indonesia PR Indonesia jakarta jakarta 1 Orang Person 79 Pelatihan High Impact Presentations angkatan 1 Training of High Impact Presentations class 1 Dale Carnige Dale Carnige Surabaya Surabaya 3 Orang Person 80 Workshop Handling Crisis Through Strategic PR to Build Public Trust Crisis Handling Through Strategic PR to Build Public Trust Workshop PR Indonesia PR Indonesia Cirebon Cirebon 2 Orang Person 81 Pembekalan Materi Sertiikasi Kepatuhan Anti Money Loundring Material Debrieing of Compliance Anti Money Loundring Certiication FKDKP FKDKP Jakarta Jakarta 1 Orang Person 82 Workshop Credit Risk - Stress Test Model Reverse Stress Test Workshop of Credit Risk - Stress Test Model Reverse Stress Test Risk Management Guard Risk Management Guard Jakarta Jakarta 2 Orang Person 83 Workshop strategi meningkatkan kualitas kredit melalui analisa cashlow yang mudah dan efektif dalam koridor restrukturisasi kredit Workshop of strategies to improve the quality of credit through cashlow analysis that is easy and efective in the corridors of loan restructuring Risk Management Guard Risk Management Guard Yogyakarta Yogyakarta 6 Orang Person 84 Diklat Pemimpin Cabang angkatan 183 Training of Branch Manager of 183 forces LPPI LPPI jakarta jakarta 3 Orang Person 85 Sosialisasi Laporan Harian Bank Umum LHBU Socialization of Commercial Bank Daily Report LHBU Bank Indonesia Bank Indonesia Jakarta Jakarta 2 Orang Person 86 Uji Sertiikasi Kepatuhan Anti Money Laundering Certiication Test of Compliance Anti-Money Laundering LSPP LSPP Jakarta Jakarta 1 Orang Person 87 Seminar BPDSI Penarikan Undian Nasional Tabungan Simpeda Seminar of BPDSI National Lottery Withdrawal of Simpeda Savings Asbanda Asbanda Surabaya Surabaya 3 Orang Person 88 Training Analis Lingkungan Hidup 2016 Environment Analyst 2016 Training OJK OJK Bali Bali 1 Orang Person 89 Rapat Evaluasi dan Workshop dalam rangka pemberdayaan peggiat anti narkoba Evaluation Meeting and Workshop in order to empower the anti Drugs volunteer BNN Provinsi Kaltim BNN Provinsi Kaltim Samarinda Samarinda 2 Orang Person 90 Seminar Pasca Tax Amnesty Seminar of Post-Tax Amnesty PT. Miranata Cipta Mulia PT. Miranata Cipta Mulia Yogyakarta Yogyakarta 2 Orang Person 91 Workshop pemetaan sektor bisnis unggul, reformasi esensi inancial business model, catatan penting implementasi IT Fintech, strategi menekan gagal bayar, menjembatani single digit, kunci penerapan POJK No.45POJK.032015 terkait renumerasi dan indikator kinerja. Workshop of superior business sector mapping, inancial essence and business model reformation, an important note the implementation of IT Fintech, strategy to suppress default, bridging the single digits, the key applications of POJK 45 POJK.03 2015 related to remuneration and performance indicators. Risk Management Guard Risk Management Guard Jakarta Jakarta 1 Orang Person 92 Sosialisasi dan pelatihan laporan stabilitas moneter dan sistem keuangan bulanan bank umum syariah dan unit usaha syariah LSMK BUS UUS Dissemination and training of monetary stability and inancial system monthly report of Sharia commercial banks and Sharia business units BUS LSMK UUS Bank Indonesia Bank Indonesia Bali Bali 3 Orang Person 93 Pelatihan sistem kliring nasional bank indonesia SKNBI Training of Bank Indonesia national clearing system SKNBI Bank Indonesia Bank Indonesia Yogyakarta Yogyakarta 2 Orang Person 94 Pelatihan Implementasi MSDM-BK : Perancangan kebutuhan pelatihan TNA berbasis kompetensi HRM-BK Implementation Training: The design of the training needs TNA based on competency PT. Aplikasi Sistem Bisnis PT. Aplikasi Sistem Bisnis Bandung Bandung 1 Orang Person Laporan Tahunan 2016 | BANKALTIM 251 2016 annual report | BANKALTIM 95 Workshop sertiikasi kepatuhan dan AML tingkat eksekutif Workshop of executive level certiication of compliance and AML FKDKP FKDKP Jakarta Jakarta 1 Orang Person 96 Uji Kompetensi Bidang Kepatuhan level 3 Compliance Sector level 3 Competency Test LSPP LSPP Jakarta Jakarta 1 Orang Person 97 SESPIBANK angkatan 65 SESPIBANK 65th force LPPI LPPI jakarta jakarta 1 Orang Person 98 Pelatihan Masa Persiapan Pensiun Retirement Preparation Period Training PT. Duta Transformasi Insani PT. Duta Transformasi Insani Bandung Bandung 6 Orang Person 99 Seminar Nasional Amnesti Pajak dan Implementasi PSAK 70 Akuntansi Aset dan Liabilitas Pengampunan Pajak National Seminar on Tax Amnesty and implementation of PSAK 70 on Accounting for Assets and Liabilities of Tax Amnesty Ikatan Akuntansi Indonesia IAI Ikatan Akuntansi Indonesia IAI Jakarta Jakarta 2 Orang Person 100 Pelatihan User Group Sistem BI RTGS, Bank Indonesia - Scripless Securities Settlement System BI-SSSS Training of User Group of RTGS system, Bank Indonesia-Scriptless Securities Settlement System BI-SSSS Bank Indonesia Bank Indonesia Bali Bali 2 Orang Person 101 Coaching Clinic SIPINA dalam rangka implementasi Foreign Account Tax Compliance Act FATCA Coaching Clinic SIPINA in order to the implement the Foreign Account Tax Compliance Act FATCA OJK OJK Jakarta Jakarta 2 Orang Person 102 Undangan Forum Indonesia Banking Human Capital Conference Invitation from Indonesia Banking Forum, Human Capital Conference Asbanda Asbanda Jakarta Jakarta 1 Orang Person 103 Sharing Knowledge Focus Group Discussion Dana Desa Knowledge Sharing Focus Group Discussionof Village Fund Ikatan Akuntansi Indonesia IAI Ikatan Akuntansi Indonesia IAI Samarinda Samarinda 3 Orang Person 104 Workshop Pengadaan tehnoogi Informasi 2017 : How Low Can You Go ? Workshop of Information tehnology Procurement 2017: How Low Can You Go? Sharing Vision Sharing Vision Bandung Bandung 2 Orang Person 105 Pelatihan Accounting for Non Accountant Accounting for Non Accountants Training Ikatan Akuntansi Indonesia IAI Ikatan Akuntansi Indonesia IAI jakarta jakarta 1 Orang Person 106 Culture Festival PT. Telkom Indonesia Tbk Culture Festiva ol PT. Telkom Indonesia Tbk PT. Telkom Indonesia.Tbk. PT. Telkom Indonesia.Tbk. Bandung Bandung 1 Orang Person 107 Social Media Summit 2016 Social Media Summit 2016 PT. Telkomsel PT. Telkomsel Bali Bali 1 Orang Person 108 Pelatihan Penyusunan Annual Report Simulasi Penilaian Annual Report Award Training of Annual Report and Annual Report Award Assesment Preparation Simulation PT. Tata Kelola Komunika Talk Asia PT. Tata Kelola Komunika Talk Asia Batam Batam 1 Orang Person 109 Sosialisasi peraturan Bank Indonesia No.1821PBI2016 tentang perubahan atas peraturan Bank Indonesia No.914PBI2007 tentang Sistem Informasi Debitur Socialization of Bank Indonesia regulation No.18 21 PBI2016 about changes of Bank Indonesia Regulation No.9 14 PBI 2007 on Debitor Information Systems Bank Indonesia Bank Indonesia Jakarta Jakarta 1 Orang Person 110 Pelatihan Masa Persiapan Pensiun Pegawai BPD Kaltim batch II Employee of BPD Kaltim’s Retirement Preparation Period Training batch II PT. Duta Transformasi Insani PT. Duta Transformasi Insani Bandung Bandung 5 Orang Person 111 Workshop Best Practice of Social Media Management Workshop of Best Practices of Social Media Management Finance Banking Institute Finance Banking Institute Jakarta Jakarta 2 Orang Person 112 Workshop Deposito Mudharabah Muqoyadah Workshop of Mudharabah Muqoyadah deposits Asbanda Asbanda Jakarta Jakarta 2 Orang Person 113 High Impact Presentations batch II High Impact Presentations batch II Dale Carnigie Dale Carnigie Surabaya Surabaya 4 Orang Person 114 Workshop Pelaporan SID Dalam rangka program data quality control QC SID Tahun 2016 Workshop of SID Reporting In order to the SID data quality control QC 2016 program Bank Indonesia Bank Indonesia Yogyakarta Yogyakarta 2 Orang Person Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 252 115 Teknik Perhitungan Harga Perkiraan Sendiri HPS Calculation Techniques of Self-Estimated Price HPS PT. Asprinet Indonesia PT. Asprinet Indonesia Jakarta Jakarta 2 Orang Person 116 Pembekalan Sertiikasi Kepatuhan tingkat 1 Compliance Certiication debrieing level 1 FKDKP FKDKP Jakarta Jakarta 1 Orang Person 117 Sosialisasi Peraturan LPS Socialization of LPS Regulation LPS LPS Jakarta Jakarta 1 Orang Person 118 Rapat Pleno III IFEMC Workshop Financial Markets IFEMC Plenary Meeting III Workshop on Financial Markets IFEMC IFEMC Bali Bali 2 Orang Person 119 Pelatihan Penyusunan Annual Report Simulasi Penilaian Annual Report Award Preparation Simulation Training of Annual Report Arrangement an Annual Report Award Assessment PT. Tata Kelola Komunika Talk Asia PT. Tata Kelola Komunika Talk Asia Batam Batam 1 Orang Person 120 Pelatihan Enforcive Enterprise Security for IMB i Training of Enforcive Enterprise Security for IMB PT. Soltech Pro Indo PT. Soltech Pro Indo Jakarta Jakarta 2 Orang Person 121 Diskusi Workshop Sinergi Komunikasi dan Pemasaran Keuangan SiKompak Syariah Discussion Workshop of Communications and Finance SiKompak Sharia Marketing Synergy OJK OJK Jakarta Jakarta 1 Orang Person 122 Workshop Managing the Human Capital 2016 Managing the Human Capital Workshop 2016 LPPI LPPI Bandung Bandung 1 Orang Person 123 Pemeliharaan Sertiikasi Manajemen Risiko, Workshop Penilaian Tingkat Kesehatan Bank Maintenance of Risk Management Certiication, Bank Healthiness Level Assessment Workshop BSMR BSMR Jakarta Jakarta 2 Orang Person 124 Pelatihan PSAK Terkini Sesuai Program Konvergensi IFRS International Financial Accounting Standard Latest PSAK training based on IFRS International Financial Accounting Standard Convergence Program IAI IAI Jakarta Jakarta 1 Orang Person 125 Pelatihan Project Management angkatan 1 Project Management Training 1st Force PPM Management PPM Management Jakarta Jakarta 1 Orang Person 126 Pelatihan Project Management angkatan 2 Project Management Training 2nd force PPM Management PPM Management Jakarta Jakarta 1 Orang Person 127 Pelatihan bimbingan teknis sistem manajemen pengamananan organisasi perusahaan dan instansi lembaga pemerintah Technical guidance training of companies and institutions government agencies organizations security management system DIT NINMAS POLDA KALTIM DIT NINMAS POLDA KALTIM Balikpapan Balikpapan 5 Orang Person 128 ACI World Kongress Ke-55 Tahun 2016 55th ACI World Congress 2016 ACI The Financial Markets Association ACI The Financial Markets Association Jakarta Jakarta 1 Orang Person 129 Seminar Economy Outlook 2017 Seminar of Economy Outlook 2017 BCA Sekuritas BCA Sekuritas Seul - Korea Selatan Seul - Korea Selatan 1 Orang Person 130 Seminar FKDKP “Prospek Perekonomian Nasional 2017 “Peluang dan tantangan industri perbankan” FKDKP seminar National Economic Outlook 2017 Opportunities and challenges of the banking industry FKDKP FKDKP Jakarta Jakarta 1 Orang Person Laporan Tahunan 2016 | BANKALTIM 253 2016 annual report | BANKALTIM Tabel. Daftar Pelatihan Program Pengembangan Inhouse Training Tahun 2016 Table. Training and Development Program inhouse Training Year 2016 List No No Kegiatan Activities Penyelenggara Organizer Tempat Place Peserta Participants 1 Restrukturisasi dan Penyelamatan Kredit yang Efektif Bagi Pegawai BPD Kaltim Efective Credit Restructuring and Rescue for BPD Kaltim’s Employee PT.Dempo Wisnu Kencana PT.Dempo Wisnu Kencana Samarinda Samarinda 35 Orang Person 2 Pelatihan Dasar Perbankan Syariah Basic of Sharia Banking Training LPPI - ICDIF LPPI - ICDIF Samarinda Samarinda 24 Orang Person 3 Workshop MVVM Mission, Vision, Values, Meaning Workshop of MVVM Mission, Vision, Values, and Meaning ACT Consulting ACT Consulting Samarinda Samarinda 59 Orang Person 4 Sosialisasi Kebijakan dan Prosedur Pelaksanaan Program CSR serta Kegiatan Hubungan Korporasi Socialization of CSR Program and Corporate Relation Activities Implementation Policies and Procedures BPD Kaltim BPD Kaltim Samarinda Samarinda 33 Orang Person 5 Workshop Perbaikan Data Pelaporan Sistem Informasi Debitur SID Data Improvement of Debtor Information System SID Reporting Workshop BPD Kaltim BPD Kaltim Samarinda Samarinda 17 Orang Person 6 Sosialisasi Pengkinian BPP SOP Kredit Konsumer serta Sosialisasi Petunjuk Teknis Penyaluran Dana Lembaga Pengelola Dana Bergulir LPDB di Lingkungan BPD Kaltim Socialization of Updating of Consumer Credit BPP and SOP and Socialization of Technical Guidance for Revolving Fund Management Institution LPDB Fund distribution in BPD Kaltim environment BPD Kaltim BPD Kaltim Samarinda Samarinda 57 Orang Person 7 Sosialisasi Produk dan Jasa BPD Kaltim Socialization of BPD Kaltim Products and Services BPD Kaltim BPD Kaltim Samarinda Samarinda 61 Orang Person 8 Sosialisasi Transaksi Retail Treasury Treasury Retail Transaction socialization BPD Kaltim BPD Kaltim Samarinda Samarinda 37 Orang Person 9 Pembekalan Internal dan APU-PPTBagi Penyelia Layanan Nasabah, Pimkas, Koordinator Baru Internal brieing and APU-PPT for Customer Service Supervisor, Pimkas, New Coordinator BPD Kaltim BPD Kaltim Samarinda Samarinda 12 Orang Person 10 Sosialisasi Implementasi Aplikasi Loan Origination System LOS Kantor Cabang Socialization of Branch OiceLoan Origination System LOS Application Implementation BPD Kaltim BPD Kaltim Samarinda Samarinda 48 Orang Person 11 Pembekalan Serta Uji Kompetensi Manajemen Risiko Tingkat 1 Debrieing And Risk Management Competency Test Level 1 PT. Leadership Nasional PT. Leadership Nasional Samarinda Samarinda 35 Orang Person 12 Pembekalan Serta Uji Kompetensi Manajemen Risiko Tingkat 2 Debrieing And Risk Management Competency Test Level 2 PT. Leadership Nasional PT. Leadership Nasional Samarinda Samarinda 14 Orang Person 13 Pembekalan Serta Uji Kompetensi Manajemen Risiko Tingkat 3 Debrieing And Risk Management Competency Test Level 3 PT. Leadership Nasional PT. Leadership Nasional Samarinda Samarinda 13 Orang Person 14 Uji Kompetensi Manajemen Risiko Tingkat 1 Risk Management Competency Test Level 1 LSPP LSPP Samarinda Samarinda 35 Orang Person 15 Uji Kompetensi Manajemen Risiko Tingkat 2 Risk Management Competency Test Level 2 LSPP LSPP Samarinda Samarinda 14 Orang Person Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 254 16 Uji Kompetensi Manajemen Risiko Tingkat 3 Risk Management Competency Test Level 3 LSPP LSPP Samarinda Samarinda 13 Orang Person 17 Workshop LCLT Lead Change Lead Team Workshop of LCLT Change Lead Team Lead ACT Consulting ACT Consulting Samarinda Samarinda 72 Orang Person 18 Pelatihan Komprehensif Internal Auditor Bank Comprehensive Training of Bank Internal Auditor Infobank Institute Infobank Institute Samarinda Samarinda 25 Orang Person 19 Workshop AOC Agent of Change Batch 1 Workshop of AOC Agents of Change Batch 1 ACT Consulting ACT Consulting Tarakan Tarakan 39 Orang Person 20 Workshop AOC Agent of Change Batch 2 Workshop of AOC Agents of Change Batch 2 ACT Consulting ACT Consulting Balikpapan Balikpapan 41 Orang Person 21 Workshop AOC Agent of Change Batch 3 Workshop of AOC Agents of Change Batch 3 ACT Consulting ACT Consulting Samarinda Samarinda 57 Orang Person 22 Workshop AOC Agent of Change Batch 4 Workshop of AOC Agents of Change Batch 4 ACT Consulting ACT Consulting Samarinda Samarinda 55 Orang Person 23 Workshop Standar Akuntansi Syariah Islamic Accounting Standards Workshop BPD Kaltim-IAI BPD Kaltim-IAI Samarinda Samarinda 17 Orang Person 24 Pembekalan Internal dan APU-PPT Bagi Penyelia Layanan Nasabah, Pimkas, Pegawai Kontrak Administrasi Baru Internal brieing and APU-PPT For Customer Service Supervisor, Pimkas, and New Employee Contract Administration BPD Kaltim BPD Kaltim Samarinda Samarinda 42 Orang Person 25 In House Training Grafonomi Grafologi In House Training of Graphonomy Graphology Sinergi Partner Prima Sinergi Partner Prima Samarinda Samarinda 42 Orang Person 26 Workshop Implementasi Otomasi dan Sentralisasi Pelaporan SID Pertemuan Awal Workshop of Implementation of SID Reporting Automation and Centralized , Initial meetings BPD Kaltim BPD Kaltim Samarinda Samarinda 11 Orang Person 27 In House Training Work Load Analysis In House Training of Work Load Analysis BPD Kaltim BPD Kaltim Samarinda Samarinda 81 Orang Person 28 Rapat Koordinasi Workshop Pemberdayaan Penggiat Anti Narkoba Coordination Meeting Workshop of Anti-Drug Activists Empowerment BNP Kaltim BNP Kaltim Samarinda Samarinda 40 Orang Person 29 IHT Pedoman Teknik Evaluasi Penurunan Nilai Secara Individual pada Cadangan Kerugian Penurunan Nilai CKPN IHT of Technical Guidelines for Evaluation of Individually Impairment on Impairment Losses ReservesCKPN BPD Kaltim BPD Kaltim Samarinda Samarinda 71 Orang Person 30 IHT Solusi Pembiayaan di Masa Perlambatan Ekonomi : Fokus Kredit Konsumer dan UKM IHT of Financing Solutions in Economic Slowdown Era: Consumer and SME Credit Focus PT. Dempo Wisnu Kencana PT. Dempo Wisnu Kencana Samarinda Samarinda 32 Orang Person 31 IHT Sosialisasi Kewajiban Perpajakan PPh 21 Bagi Pegawai BPD Kaltim IHT of Socialization of Income Tax PPH21 Obligation For Employees BPD Kaltim BPD Kaltim BPD Kaltim Samarinda Samarinda 20 Orang Person 32 IHT Internal Auditor Bank Bagi Pemimpin KIC PSAK 55 - CKPN IHT of Internal Auditor Bank for Head of KIC and PSAK 55 - CKPN BPD Kaltim BPD Kaltim Samarinda Samarinda 24 Orang Person 33 IHT Komprehensif Internal Audit IHT of Comprehensive Internal Audit BPD Kaltim BPD Kaltim Samarinda Samarinda 19 Orang Person 34 IHT Sistem Manajemen Kinerja Organisasi dan Pegawai BPD Kaltim IHT of Organizational and Employee BPD Kaltim Performance Management System BPD Kaltim BPD Kaltim Samarinda Samarinda 16 Orang Person 35 Sosialisasi Pemantapan Implementasi Aplikasi Loan Origination System LOS Fase II Socialization of Consolidation of Loan Origination System LOS Application Implementation Phase II BPD Kaltim BPD Kaltim Samarinda Samarinda 32 Orang Person 36 Benchmarking International Banking Financial Institution Group Bank Mandiri Pusat Benchmarking International Banking and Financial Institution Group Bank Mandiri Center Bank Mandiri Bank Mandiri Jakarta Jakarta 4 Orang Person Laporan Tahunan 2016 | BANKALTIM 255 2016 annual report | BANKALTIM 37 Sosialisasi SOP Operasional Layanan SOP socialization Operational Service BPD Kaltim BPD Kaltim Samarinda Samarinda 100 Orang Person 38 Program Pemeliharaan Sertiikasi Manajemen Risiko Maintenance of Certiication Program of Risk Management PT. Leadership Nasional PT. Leadership Nasional BPD Kaltim BPD Kaltim 36 Orang Person 39 ESQ AMT Service From Heart ESQ AMT Service From the Heart ESQ Leadership Center ESQ Leadership Center Balikpapan Balikpapan 40 Orang Person 40 Coaching for Leader Training “Efective Leadership in Managing Change Through Coaching Program” Coaching for Leader Training Efective Leadership in Managing Change Through Coaching Program ACT Consulting ACT Consulting Samarinda Samarinda 26 Orang Person 41 Workshop Implementasi Otomasi dan Sentralisasi Pelaporan SID Pertemuan kedua Workshop of Implementation of SID Reporting Automation and Centralized , Second meeting BPD Kaltim BPD Kaltim Samarinda Samarinda 11 Orang Person 42 Sosialisasi SOP Website dan Social Media BPD Kaltim dan Workshop Etika Kode etik menulis di mesia sosial SOP socialization Website and Social Media BPD Kaltim and Workshop Ethics Code of Conduct writing in social Mesia BPD Kaltim BPD Kaltim SmdTrkBpp SmdTrkBpp 87 Orang Person 43 Workshop Pasar Modal Syariah Workshop on Islamic Capital Market MES Kaltim MES Kaltim Samarinda Samarinda 30 Orang Person 44 IHT Treasury for non treasury IHT of Treasury for non-treasury Domus Alba Domus Alba Samarinda Samarinda 34 Orang Person 45 IHT Grafonomi Grafologi, APU-PPT, dan Etika Layanan IHT of Graphonomy Graphology, APU-PPT, and Services Ethics Synergy Partner Prima Synergy Partner Prima Samarinda Samarinda 37 Orang Person 46 Workshop Sistem Manajemen Kinerja Organisasi berbasis balanced scorecard Workshop on Organizational Performance Management System based on the balanced scorecard BPD Kaltim BPD Kaltim Samarinda Samarinda 48 Orang Person 47 Pelatihan APU-PPT dan Pembekalan Internal Bagi Pegawai Kontrak Administrasi Baru APU-PPT training and debrieing Internal For Contract Employees New administration BPD Kaltim BPD Kaltim Samarinda Samarinda 43 Orang Person 48 Workshop Implementasi Otomasi dan Sentralisasi Pelaporan SID Pertemuan ketiga serta workshop perbaikan kualitas data pelaporan sistem informasi debitur Workshop on Implementation of Automation and Centralized Reporting SID The third meeting and reporting data quality improvement workshop debtor information system BPD Kaltim BPD Kaltim Samarinda Samarinda 11 Orang Person 49 Workshop perbaikan kualitas data pelaporan sistem informasi debitur Workshop of debitor information system reporting data quality improvement BPD Kaltim BPD Kaltim Samarinda Samarinda 17 Orang Person 50 ESQ Character Building Service From Heart ESQ Character Building Service From the Heart ESQ Leadership Center ESQ Leadership Center Samarinda Samarinda 43 Orang Person 51 Pendidikan Pelatihan Pemimpin Cabang Pembantu Education Training for Branch Leader BPD Kaltim BPD Kaltim Samarinda Samarinda 20 Orang Person 52 Workshop Sistem Manajemen Kinerja Organisasi berbasis balanced scorecard Tahap II Level Departemen Workshop of Organizational Performance Management System based on the balanced scorecard , Phase II Department Level BPD Kaltim BPD Kaltim Samarinda Samarinda 31 Orang Person 53 Sosialisasi Sharing Knowledgw di Lingkungan BPD Kaltim Cabang Syariah Batch 1 Socialization Sharing Knowledge in BPD Kaltim Sharia Branch Environmen Batch 1 BPD Kaltim BPD Kaltim Samarinda Samarinda 11 Orang Person 54 Sosialisasi Sharing Knowledgw di Lingkungan BPD Kaltim Cabang Syariah Batch 2 Socialization Sharing Knowledge in BPD Kaltim Sharia Branch Environmen Batch 2 BPD Kaltim BPD Kaltim Balikpapan Balikpapan 7 Orang Person Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 256 55 Program Pembekalan Pegawai Trainee Tahun 2016 Debrieing Program for Trainee Oicer 2016 BPD Kaltim BPD Kaltim Samarinda Samarinda 24 Orang Person 56 Sosialisasi Internet Banking, Mobile Banking Cash Management System Socialization of Internet Banking, Mobile Banking Cash Management system BPD Kaltim BPD Kaltim Samarinda Samarinda 18 Orang Person 57 IHT APU PPT Anti Pencucuain Uang dan Pencegahaan Pendanaan Terorisme IHT of APU PPT Anti Money Londring and Prevention of Terrorism Funding Sinergy Partner Prima Sinergy Partner Prima Samarinda Samarinda 43 Orang Person 58 IHT Grafonomi Grafologi dibidang perkreditan IHT of Graphonomy Graphology in credit ield Sinergy Partner Prima Sinergy Partner Prima Samarinda Samarinda 43 Orang Person 59 FGD Penyusunan Standar Operasional Prosedur Prospek Customer FGD of Preparation of Customer Prospects Standard Operating Procedures Markplus Markplus Samarinda Samarinda 28 Orang Person 60 Pembekalan internal pegawai tetap non administrasi tahap 1 Internal brieing of non-administration employees, phase 1 BPD Kaltim BPD Kaltim Samarinda Samarinda 33 Orang Person 61 Pelatihan Internasional Banking Bagi Pegawai BPD Kaltim International Banking Training For Employee of BPD Kaltim BPD Kaltim BPD Kaltim Samarinda Samarinda 30 Orang Person 62 Sosialisasi kewajiban perpajakan PPh dan PPN dilingkungan BPD Kaltim Socialization of Tax Obligation of income tax PPh and VAT PPn in BPD Kaltim environment BPD Kaltim BPD Kaltim Samarinda Samarinda 18 Orang Person 63 Pembekalan internal dan APU PPT pegawai kontrak administrasi baru November 2016 Internal debrieing and APU PPT for new administration contract employees November 2016 BPD Kaltim BPD Kaltim Samarinda Samarinda 16 Orang Person 64 Workshop Sistem Aplikasi Treasury tahap 1 Workshop of Treasury Application System, phase 1 PT. Infosys Solusi Terpadu PT. Infosys Solusi Terpadu Jakarta Jakarta 9 Orang Person 65 Workshop Sistem Aplikasi Treasury tahap 2 Workshop Treasury Application System, phase 2 PT. Infosys Solusi Terpadu PT. Infosys Solusi Terpadu Jakarta Jakarta 3 Orang Person 66 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Sangatta Workshop of Organizational and Branch Level EmployeePerformance Management System to Sangatta branch oices PT. MKI PT. MKI Sangatta Sangatta 15 Orang Person 67 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Tenggarong Workshop of Organizational and Branch Level EmployeePerformance Management System to Tenggarong branch oices PT. MKI PT. MKI Tenggarong Tenggarong 19 Orang Person 68 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Utama Samarinda Workshop of Organizational and Branch Level EmployeePerformance Management System to Samarinda main branch oices PT. MKI PT. MKI Samarinda Samarinda 27 Orang Person 69 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Syariah Samarinda Workshop of Organizational and Branch Level EmployeePerformance Management System to Samarinda sharia branch oices PT. MKI PT. MKI Samarinda Samarinda 20 Orang Person 70 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Bontang Workshop of Organizational and Branch Level EmployeePerformance Management System to Bontang branch oices PT. MKI PT. MKI Tenggarong Tenggarong 25 Orang Person 71 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Sendawar Workshop of Organizational and Branch Level EmployeePerformance Management System to Sendawar branch oices PT. MKI PT. MKI Sendawar Sendawar 11 Orang Person 72 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Balikpapan Workshop of Organizational and Branch Level EmployeePerformance Management System to Balikpapan branch oices PT. MKI PT. MKI Balikpapan Balikpapan 23 Orang Person Laporan Tahunan 2016 | BANKALTIM 257 2016 annual report | BANKALTIM 73 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Syariah Balikpapan Workshop of Organizational and Branch Level EmployeePerformance Management System to Balikpapan sharia branch oices PT. MKI PT. MKI Balikpapan Balikpapan 11 Orang Person 74 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Tana Paser Workshop of Organizational and Branch Level EmployeePerformance Management System to Tana Paser branch oices PT. MKI PT. MKI Tana Paser Tana Paser 16 Orang Person 75 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang bagi kantor Cabang Penajam Workshop of Organizational and Branch Level EmployeePerformance Management System to Penajam branch oices PT. MKI PT. MKI Balikpapan Balikpapan 13 Orang Person 76 Workshop Sistem Manajemen Penggajian Renumerasi sesuai Perundangan yang berlaku Workshop of Payroll Remuneration Management System according the applied Legislation PT. Risk Management Guard PT. Risk Management Guard Samarinda Samarinda 11 Orang Person 77 Pembekalan Internal bagi pegawai tetap non administrasi tahap II Internal brieing for non-administration permanent employees, phase II BPD Kaltim BPD Kaltim Samarinda Samarinda 32 Orang Person 78 ESQ Personal Transformation basic Values Internalization ESQ Personal Transformation basic Values Internalization ESQ Leadership Center ESQ Leadership Center Samarinda Samarinda 48 Orang Person 79 Pendidikan Pelatihan Pemimpin Cabang Pembantu Batch II Education Training for Branch Head Batch II PT. Foremost Bright Indonesia PT. Foremost Bright Indonesia Samarinda Samarinda 24 Orang Person 80 Sosialisasi Aplikasi Sistem Informasi Manajemen Barang dan Jasa SIMBADA Bagi Penyelia Unit Umum Seluruh Kantor Cabang Socialization of Goods and Services Management Information System Application SIMBADA for Common Unit Supervisor in the Entire Branch Oice BPD Kaltim BPD Kaltim Samarinda Samarinda 17 Orang Person 81 Pelatihan Aplikasi Sistem Informasi Manajemen Barang Jasa SIMBADA Bagi Pelaksana Unit TI Umum Seluruh Kantor Cabang Training of Good and Services Information Management System Application SIMBADA For IT and General Unit Executor for Entire Branch Oice BPD Kaltim BPD Kaltim Samarinda Samarinda 34 Orang Person 82 Pelatihan Dasar - dasar Akuntansi Perpajakan Bagi Penyelia Unit Akuntansi Kantor Cabang Training of basic of Accounting Taxation for Accounting Unit Supervisor of Branch Oice BPD Kaltim BPD Kaltim Samarinda Samarinda 17 Orang Person 83 Kursus Bahasa Inggris English language courses English Language Center English Language Center Samarinda Samarinda 20 Orang Person 84 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang Bagi Kantor Cabang Tanjung Selor Workshop of Organizational and Branch Level Employee Performance Management System To Tanjung Selor Branch Oice PT. MKI PT. MKI Tanjung Selor Tanjung Selor 16 Orang Person 85 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang Bagi Kantor Cabang Nunukan Workshop of Organizational and Branch Level Employee Performance Management System To Nunukan Branch Oice PT. MKI PT. MKI Nunukan Nunukan 15 Orang Person 86 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang Bagi Kantor Cabang Tarakan Workshop of Organizational and Branch Level Employee Performance Management System To Tarakan Branch Oice PT. MKI PT. MKI Tarakan Tarakan 15 Orang Person 87 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang Bagi Kantor Cabang Tideng Pale Workshop of Organizational and Branch Level Employee Performance Management System To Tideng Pale Branch Oice PT. MKI PT. MKI Tideng Pale Tideng Pale 10 Orang Person Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 258 88 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang Bagi Kantor Cabang Malinau Workshop of Organizational and Branch Level Employee Performance Management System To Malinau Branch Oice PT. MKI PT. MKI Malinau Malinau 13 Orang Person 89 Workshop Sistem Manajemen Kinerja Organisasi dan Pegawai Level Cabang Bagi Kantor Cabang Tanjung Redeb Workshop of Organizational and Branch Level Employee Performance Management System To Tanjung Redeb Branch Oice PT. MKI PT. MKI Tanjung Redeb Tanjung Redeb 18 Orang Person 90 Program Pemeliharaan Sertiikasi Manajemen Risiko Maintenance of Risk Management Certiication Program PT. Leadership Nasional PT. Leadership Nasional Samarinda Samarinda 31 Orang Person 91 Pelatihan Sistem Operasi Lnux Open Linux Training of LNUX Operating System Linux Open BPD Kaltim BPD Kaltim Samarinda Samarinda 32 Orang Person 92 Training of Trainers TOT Dalam rangka pemberdayaan penggiat anti narkoba di bankaltim Training of Trainers TOT In order to empower the anti drugs activist in bank kaltim BNN Provinsi Kaltim BNN Provinsi Kaltim Samarinda Samarinda 27 Orang Person Laporan Tahunan 2016 | BANKALTIM 259 2016 annual report | BANKALTIM Program Riset Budaya Perusahaan Dalam rangka mendukung pencapaian visi BPD Kaltim, manajemen telah berkomitmen melakukan beberapa perubahan transformasi, dan salah satunya adalah penguatan budaya perusahaan. Transformasi budaya perusahaan merupakan salah satu strategi penguatan korporasi disamping transformasi bisnis telah dilakukan seperti penyempurnaan struktur, manajemen, dan strategi bisnis, tapi juga bertransformasi pada pola pikir dan pola perilaku korporasi, dalam melakukan kegiatan sehari-hari yang kita sebut dengan budaya kerja 6C. Kedua hal tersebut merupakan prioritas yang harus berjalan bersama dalam rangka menghasilkan kinerja yang maksimal. 1. Sebagaimana diketahui bahwa Visi Transformasi BPD SI adalah menjadi bank yang berdaya saing tinggi dan kuat, serta berkontribusi signiikan bagi pertumbuhan dan pemerataan ekonomi daerah yang berkelanjutan. Dan untuk mewujudknya terdapat kerangka umum program transformasi BPD yang telah ditetapkan, salah satunya adalah fondasi Pengelolaan Organisasi, SDM dan Corporate Culture Budaya Perusahaan. 2. Sepanjang Tahun 2016, telah dilakukan langkah-langkah upaya penguatan budaya perusahaan. Program-program yang telah dilaksanakan antara lain: a. Melakukan Workshop Internalisasi Visi Misi Nilai, dan Makna kepada Seluruh pejabat eksekutif. b. Membentuk Tim Transformasi Budaya yang terdiri dari Change Fasilitator, Change Leader, dan Agent of Change AoC. c. Menyusun, melaksanakan, dan mengevaluasi program Internalisasi nilai-nilai perusahaan. d. Membuat media kampanye internalisasi nilai-nilai perusahaan. Corporate Culture Research Program In order to support the vision achievement of BPD Kaltim, management has committed to conduct some change transformation, and one of them is strengthening the corporate culture. Transformation of corporate culture is one of the strategies to strengthen the corporation in addition to the business transformation that has been done, cuch as as perfecting the structure, management, and business strategy, but also transforming the mindset and corporate behavior patterns, in performing daily activities that we called by 6C work culture. Those two things are the priority that should run together in order to produce maximum performance. 1. As it is known that BPD SI Transformation Vision is to be a highly competitive and strong bank, and signiicantly contribute to economic growth and areas economic distribution that are sustainable. And for realize that, there is general framework of BPD transformation program that has been set, one of them is the foundation of the Organization, Human Resources and Corporate Culture Culture Company Management. 2. During 2016, some eforts to strengthen the corporate culture have been done. The programs that have been implemented such as are: a. Conducting Workshop of n Vision Mission Values and meaning Internalization to the whole executive oicer. b. Forming Cultural Transformation Team consisting of Change Facilitator, Change Leader, and Agent of Change AoC. c. Developing, implementing, and evaluating corporate values programs Internalization. d. Creating media campaign to internalize corporate values. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 260 Logo Program Budaya Perusahaan “Spirit 6C” | Corporate Culture “Spirit 6C” Program Logo Logo dan Alat Peraga Core Value BPD Kaltim | Logo and Instrument of Core Value of BPD Kaltim Laporan Tahunan 2016 | BANKALTIM 261 2016 annual report | BANKALTIM Alat Kampanye Program Budaya Spirit 6c yang ditempatkan pada ruangan kerja pegawai yang tersebar pada di Seluruh Kantor Wilayah BPD Kaltim | Campaign Instrument of Spirit 6C Culture Program placed in employee work room spreaded to every area oice of BPD Kaltim Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 262 Kepatuhan Dan Manajemen Resiko Compliance And Risk Management Tata Kelola Perusahaan yang Baik Corporate Governance Manajemen Resiko Risk Management 265 286 Laporan Tahunan 2016 | BANKALTIM 265 2016 annual report | BANKALTIM Tata Kelola Perusahaan BPD Kaltim menjalankan praktek kegiatan perbankan dengan menerapkan 5 lima Prinsip wajib tata kelola perusahaan, yaitu; Keterbukaan Transparancy, Akuntabilitas Accountability, Tanggung Jawab Responsibility, Independensi Independency danKewajaran Fairness. Dengan tata kelola perusahaan yang baik diharapkan dapat menurunkan kompeksitas risiko, meningkatkan kepatuhan terhadap peraturan perundang-undangan yang berlaku serta dapat meningkatkan kepercayaan dan melindungi kepentingan stakeholders. Penerapan prinsip tata kelola perusahaan didasarkan kepada landasan peraturan perundang-undangan yang berlaku di industri perbankan indonesia, antara lain: • Peraturan Bank Indonesia No. 84PBI2006 dan No. 814PBI2006 tentang Perubahan Atas Peraturan Bank Indonesia No. 84 PBI2006 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum. • Peraturan Bank Indonesia Nomor 131 PBI2011 Tanggal 5 Januari 2011 Tentang Penilaian Tingkat Kesehatan Bank Umum. • Surat Edaran Bank Indonesia No. 1515DPNP Tanggal 29 April 2013 perihal pelaksanaan Good Corporate Governance bagi Bank Umum. • Surat Edaran Bank Indonesia No. 1324DPNP Tanggal 25 Oktober 2011 tentang Penilaian Tingkat Kesehatan Bank Umum. Kegiatan penilaian Good Corporate Governance, diawali dengan melakukan self assessment terhadap Dewan Pengawas, Direksi, Komite- Komite, Kepatuhan dan Manajemen Risiko, Audit Internal dan Eksternal, transparansi kondisi keuangan termasuk penyediaan dana besar dan rencana strategik bank. Hasil penilaian ini yang kemudian dapat menjadi tolak ukur apakah sebuah bank tersebut mempunyai tata kelola yang baik atau pun tidak. Dan melalui penilaian ini pula dapat diambil langkah-langkah perbaikan dan pencegahan yang nantinya dapat membuat bank tersebut menjadi lebih baik dimasa yang akan datang. Tentunyamenjadi tugas bagi seluruh pegawai untuk tetap mempertahankan budaya yang baik bagi bank, sehingga diharapkan dapat meningkatkan kepercayaan masyarakat dan komitmennya kepada BPD Kaltim sebagai Bank Daerah. Corporate Governance BPD Kaltim conduct banking activities practice by implementing ive 5 mandatory principle of corporate governance, they are: Transparency, Accountability , Responsibility, Independency, and Fairness. Good corporate governance is expected to reduce the complexity of risk, improve the compliance to legislation and regulations that are applied, as well as increase trusts and protect stakeholders’ interests. The application of corporate governance principle is based on the foundation of legislation and regulation that are applied in Indonesian banking industry, such as: • Bank Indonesia Regulation No. 84 PBI 2006 and No. 814 PBI 2006 concerning Amendment to Bank Indonesia Regulation No. 84 PBI 2006 concerning the Implementation of Good Corporate Governance for Commercial Banks. • Bank Indonesia Regulation No. 131 PBI 2011 on January 5, 2011 concerning Rating Commercial Banks. • Bank Indonesia Circular Letter No. 1515 DPNP on April 29, 2013 regarding the implementation of Good Corporate Governance for Banks. • Bank Indonesia Circular Letter No. 1324 DPNP on October 25, 2011 regarding the Assessment of Commercial Banks’ Healthiness Level. Good Corporate Governance assessment activities begin by holding self-assessment against Board of Supervisor, Directors, Committees, Compliance and Risk Management, Internal and External Audit, transparency of inancial condition, including large fund exposures and the strategic plan of the bank. These assesment result then can become a benchmark of whether a bank has a good governance or not. And through this assessment, corporate can also take correctioon and prevention actions which in the future can make the bank better. Therefore, it become the tasks of all employees to maintain good cultures for the bank, and that is expected to increase public trust and commitment to the BPD Kaltim as Regions Bank. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 266 Pelaksana Fungsi Kepatuhan dan Manajemen Risiko Dalam pelaksanaan kepatuhan dan manajemen risiko, BPD Kaltim memiliki Direktorat Kepatuhan yang membawahi unit kerja Divisi Kepatuhan dan Manajemen Risiko. Corporate Governance Tata Kelola Perusahaan Garis Komando Garis Koordinasi Command line Coordination line Keterangan: DIREKTUR KEPATUHAN COMPLIANCE DIRECTOR DIVISI KEPATUHAN MANAJEMEN RISIKO COMPLIANCE AND RISK MANAGEMENT DIVISION DEPARTEMEN KEPATUHAN C OMPLIANCE DEPARTMENT • Kepatuhan | Compliance • Administrasi Kepatuhan | Compliance Administration DEPARTEMEN MANAJEMEN RISIKO RISK MANAGEMENT DEPARTMENT • Manajemen Risiko Pasar | Market Risk Management • Manajemen Risiko Kredit | Credit Risk Management • Manajemen Risiko Likuiditas | Liquidity Risk Management • Manajemen Risiko Operasional dan Lainnya | Operational and other Risk Management • Administrasi Manajemen Risiko | Risk Management Administration DEPARTEMEN KEPATUHAN MANAJEMEN RISIKO SYARIAH SHARIA COMPLIANCE AND RISK MANAGEMENT DEPARTMENT • Kepatuhan Syariah | Sharia Compliance • Manajemen Risiko Syariah | Sharia Risk Management • Administrasi Kepatuhan Manajemen Risiko Syariah | Sharia Compliance and Risk Management Administration Compliance and Risk Management Function Executor In the implementation of compliance and risk management, BPD Kaltim has Compliance Directory that lead the Compliance and Risk Management division work unit. Laporan Tahunan 2016 | BANKALTIM 267 2016 annual report | BANKALTIM Direktur yang membawahi Direktorat Kepatuhan adalah Andi Hadiwijaya yang dilantik Berdasarkan Surat Keputusan Gubernur Provinsi Kalimantan Timur Nomor: 821K.6612015 tentang Pemberhentian dan Penunjukan Pelaksana Tugas Direktur Kepatuhan Bank Pembangunan Daerah Kalimantan Timur yang ditetapkan pada 13 Oktober 2015, maka Roosita Margaretha menjadi Plt. Direktur Kepatuhan hingga dilantiknya Andi Hadiwijaya sebagai Direktur Kepatuhan deinitif pada 28 Desember 2015. Pengawasan Aktif Dewan Pengawas Pengawasan aktif dilaksanakan oleh Dewan Pengawas BPD kaltim melalui langkah-langkah berikut: a. Menetapkan kebijakan umum, menjalankan pengawasan, pengendalian dan pembinaan berdasarkan ketentuan perundang- undangan yang berlaku; b. Memastikan terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha bank pada seluruh tingkatan atau jenjang organisasi; c. Melaksanakan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi serta memberikan nasehat kepada Direksi; d. Menyetujui dan melakukan pengawasan terhadap pelaksanaan rencana bisnis bank; e. Membentuk dan memastikan efektivitas pelaksanaan tugas dari Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi; f. Menyediakan waktu yang cukup untuk melaksanakan tugas dan tanggung jawabnya secara optimal. Terhadap kebijakan yang menyangkut kegiatan operasional Bank, Dewan Pengawas tidak pernah memberikan rekomendasi, akan tetapi terbatas pada penyediaan dana kepada pihak tekait serta dalam melakukan tugas pengawasan, Dewan Pengawas mengarahkan dan memantau terhadap pelaksanaan kebijakan Bank, Dewan Pengawas dapat melakukan evaluasi serta menyetujui rencana bisnis bank. Director who leads Compliance Directorate is Andi Hadiwijaya who is appointed based on the Decree of the Governor of Kalimantan Timur Province No. 821 K.661 2015 on the dismissal and appointment of Tasks Executor of Compliance Director of Bank Pembangunan Daerah Kalimantan Timur set on October 13, 2015, then Roosita Margaretha became Acting Compliance Director Plt. until the the inauguration of Andi Hadiwijaya as deinitive Compliance Director on December 28, 2015. Active supervision of the Supervisory Board Active supervision conducted by the Supervisory Board of BPD Kaltim through these following steps: a. Set general policy, carry out monitoring, control and guidance based on the provisions of the applied legislation and regulations; b. Ensure the implementation of GCG in every bank’s business activities at all levels of the organization; c. Conduct supervision to the performance of duties and responsibilities of the Board of Directors and provide advice to the Board of Directors; d. Approve and supervise the implementation of bank’s business plan; e. Establish and ensure the efectiveness of the duties implementation of Audit Committee, Risk Monitoring Committee, as well as Remuneration and Nomination Committee; f. Provide suicient time to carry out their duties and responsibilities optimally. Supervisory Board never provide recommendations on policies relating to the operations of the Bank, but limited to the provision of funds to related parties and to perform supervisory duties, the Supervisory Board directs and monitors the implementation of the Bank’s policies, and the Supervisory Board can evaluate and approve the bank business plan. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 268 No. No. Keterangan Description Dewan Pengawas Board of Supervisor Direksi Board of Directors 1. Jumlah Quantity 3 tiga orang 3three persons 4 empat orang 4 four persons 2. Komposisi Composition Ketua Dewan Pengawas • H. Sulaiman Gafur periode tahun 2015-2018 Anggota Dewan Pengawas Independen • H. Mardeksyah Bajurie periode tahun 2014-2017 Anggota Dewan Pengawas Non Independen • H. Rusmadi periode tahun 2016-2019 Chairman of Supervisory Board • H. Sulaiman Gafur tenure 2015-2018 Member of Independent Supervisory Board • H. Mardeksyah Bajurie tenure 2014-2017 Member of Non Independent Supervisory Board • H. Rusmadi tenure 2016-2019 Direktur Utama • H. Zainuddin Fanani periode tahun 2015-2019 Direktur Kredit • Ismunandar Azis periode tahun 2014-2018 Direktur Syariah Human Capital • Hairuzzaman periode tahun 2015-2019 Direktur Kepatuhan • Andi Hadiwijaya periode tahun 2015-2019 President Director • H. Zainuddin Fanani tenure 2015-2019 Credit Director • Ismunandar Azis tenure 2014-2018 Sharia and Human Capital Director • Hairuzzaman tenure 2015-2019 Compliance Director • Andi Hadiwijaya tenure 2015-2019 3. Kriteria Criteria • Warga Negara Indonesia yang bertaqwa kepada Tuhan Yang Maha Esa; • Memiliki dedikasi tinggi, cakap dan mempunyai kemampuan untuk menjalankan kebijakan pemegang saham dalam melakukan pembinaan dan pengawasan Bank; • Memiliki pengetahuan dibidang keuangan dan perbankan serta mempunyai akhlak dan moral yang baik; • Memenuhi persyaratan telah lulus Penilaian Kemampuan dan Kepatutan Fit and Proper Test sesuai dengan Ketentuan Bank Indonesia; • Indonesian citizens who devout to god the almighty • Highly dedicated, competent and capable to comply with the shareholders’ policy in advising and supervising the Bank. • Have knowledge in inance and banking and have good charácter and moral; • Meet the qualiication and having passed the it and proper test based on the provisión of Bank Indonesia • Warga Negara Indonesia yang bertaqwa kepada Tuhan Yang Maha Esa; • Memiliki pengalaman kerja paling kurang 15 lima belas tahun pada lembaga keuanganperbankan; • Memiliki pengalaman paling kurang 5 lima tahun di bidang operasional sebagai Pejabat Eksekutif Bank; • Memenuhi persyaratan telah Lulus Penilaian Kemampuan dan Kepatutan Fit and Proper Test sesuai dengan ketentuan Bank Indonesia; • Indonesian citizens who devout to god the almighty • Have work experience at least 15 ifteen years in inance banking institution. • Have experience at least 5 ive years in operational sector as a bank executive oicer. • Meet the qualiications and have passed the it and proper test based on the provision of Bank Indonesia. Pelaksanaan Tugas dan Tanggung Jawab Dewan Pengawas dan Direksi a. Jumlah, Komposisi, Kriteria dan Independensi Dewan Pengawas, Direksi Desember 2016 Duties and Responsibilities Implementation of the Board of Supervisor and Directors a. Number, Composition, Criteria, and Independency of Board of Supervisor, Directors, December 2016 Laporan Tahunan 2016 | BANKALTIM 269 2016 annual report | BANKALTIM b. Tugas dan tanggung jawab b. Duties and responsibilities Dewan Pengawas Direksi • Menetapkan kebijakan umum, menjalankan pengawasan, pengendalian dan pembinaan berdasarkan ketentuan perundang- undangan yang berlaku; • Memastikan terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha bank pada seluruh tingkatan atau jenjang organisasi; • Melaksanakan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi serta memberikan nasehat kepada Direksi; • Menyetujui dan melakukan pengawasan terhadap pelaksanaan rencana bisnis bank; • Membentuk dan memastikan efektivitas pelaksanaan tugas dari Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi; • Menyediakan waktu yang cukup untuk melaksanakan tugas dan tanggung jawabnya secara optimal. • Establish general policy, working on supervisión, control and fostering based on the applied laws and regulation • Ensure the implementation of GCG in every bank business activity on all organizational levels; • Conduct supervisión upon the implementation board of directors’ duty and responsibility and give advice to the Board of Directors; • Approve and supervise the implementation of bank business plan; • Establish and ensure the efectivity of the Audit Committees’, the Risk Monitoring Committees’, and Remuneration and Nomination Committees’ tasks implementation; • Provide enough time to implement the duty and the responsibility optimally • Mengelola BPD Kaltim sesuai dengan kewenangan dan tanggungjawabnya sebagaimana diatur dalam anggaran dasar dan peraturan perundang-undangan yang berlaku; • Memimpin, mengurus dan melaksanakan kebijakan umum bank sesuai dengan misi dan fungsi bank; • Melaksanakan prinsip-prinsip GCG dalam setiap kegiatan usaha pada seluruh tingkatan atau jenjang Organisasi BPD Kaltim; • Bertanggungjawab penuh atas pelaksanaan kepengurusan Bank dan wajib mempertanggung jawabkan pelaksanaan tugasnya kepada pemegang saham melalui RUPS; • Menerapkan prinsip kehati-hatian dalam penyediaan dana termasuk diversiikasi portofolio atas penyediaan dana yang diberikan. • Manage BPD Kaltim pursuant to the authority and the responsibility as it is arranged in the articles of association and the pertinent laws and regulation; • Lead, manage and comply with general policy of the bank based on the misión and function of the bank; • Perform the principles of GCG in every business activity on all levels or organizational levels; • Fully responsible for the implementation of Bank organization and must account the implementation of his duty to the shareholders in General Meeting of Shareholders; • Apply precautionary principles in the provision of fund including portfolio diversiication for the fund provision given. 4. Independensi Anggota Members’ Independency Dewan Pengawas BPD Kaltim : • Tidak merangkap jabatan pada 1 satu atau lebih lembaga perusahaan keuangan lain, baik yang berkedudukan di dalam maupun di luar negeri; • Tidak memiliki hubungan keuangan, hubungan kepengurusan, kepemilikan saham maupun hubungan keluarga dengan anggota Dewan Pengawas lainnya, Direksi atau hubungan dengan Bank sebagaimana ketentuan pelaksanaan GCG bagi Bank Umum; • Tidak memiliki saham pada BPD Kaltim maupun pada bank danatau perusahaan lain, baik yang berkedudukan di dalam maupun di luar negeri. Supervisory Board of BPD Kaltim: • Not oiciating double positions in 1 one or more other inance institutions companies, domiciled either inside or outside the country. • Not having inancial, organizational relationship, shareholding relationship, or family relationship with the other members of Supervisory Board, Board of Directors or relationship with the bank in accordance with the provision of GCG implementation for comercial Banks; • Not having shares at BPD Kaltim or at the other Banks and or the other companies, either inside or outside the country. Direksi BPD Kaltim : • Tidak memiliki saham yang melebihi 25 dua puluh lima perseratus baik pada BPD Kaltim dan perusahaan lain, yang berkedudukan di dalam maupun di luar negeri; sesuai data per Desember 2016 • Tidak memiliki hubungan keuangan, dan hubungan keluarga dengan anggota Dewan Pengawas, anggota Direksi lain danatau pemegang saham pengendali BPD Kaltim; • Tidak merangkap jabatan sebagai anggota Dewan Pengawas, Direksi, atau Pejabat Eksekutif pada bank, perusahaan danatau lembaga lain, baik yang berkedudukan di dalam maupun di luar negeri; Board of Directors of BPD Kaltim: • Not Having shares more than 25 twenty ive per cent either in BPD Kaltim or in another company,neither insidenor outside the country; acording to data per December 2016 • Not having inancial relationship and family relationship with the members of supervisory board, with the members of the other Board of Directors and or with the shareholders controlling of BPD Kaltim; • Not oiciating double positions as the member of Supervisory Board, Board of Directors, or Executive Oicer at the other banks, companies andor institutions, either inside or outside the country. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 270 Dalam melaksanakan fungsi pengendalian intern Bank, Dewan Pengawas didukung oleh Komite- Komite Dewan Pengawas sebagai berikut:

a. Komite Audit

a.1.Struktur, keanggotaan, keahlian, dan independensi anggota pada posisi sampai dengan Desember 2016 Struktur • Ketua Komite : Dewan Pengawas Independen • Anggota Komite : Pihak Independen, berasal dari mantan Pejabat Eksekutif BPD Kaltim yang telah melalui masa cooling of lebih dari 6 enam bulan. • Anggota Komite : Pihak Independen, berasal dari mantan Pejabat Eksekutif BPD Kaltim yang telah melalui masa cooling of lebih dari 6 enam bulan. Keanggotaan Masa jabatan anggota Komite Audit adalah 3 tiga tahun dan dapat diangkat kembali untuk 1 satu kali masa jabatan berikutnya. Susunan keanggotaan Komite Audit posisi sampai dengan Desember 2016 adalah: • Ketua Komite : H. Mardeksyah Bajurie • Anggota Komite : Mariatul Kiftiah Retno Yuliastuti Keahlian • Ketua Komite : Bidang Kepatuhan dan Risiko • Anggota Komite 1 : Bidang Audit Akuntansi • Anggota Komite 2 : Bidang Audit Akuntansi Independensi • Tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham danatau hubungan keluarga dengan Dewan Pengawas, Direksi danatau Pemegang saham Pengendali BPD Kaltim; • Tidak merangkap jabatan pada BPD Kaltim, Bank lain, baik yang berkedudukan di dalam maupun di luar negeri. In carrying out the Bank’s internal control function, supervisory Board supported by the Supervisory Board Committees as follows:

a. Audit Committee

a.1.The structure, membership, expertise and independence of members in the position until December 2016 Structure • Chairman of the Committee : Independent Supervisory Board • Members of the Committee: Independent Party, originated from former of BPD Kaltim Executive Oicers who have been through a cooling of period of more than six 6 months. • Members of the Committee: Independent Party, originated from former of BPD Kaltim Executive Oicers who have been through a cooling of period of more than six 6 months. Membership Tenure of Audit Committee members is three 3 years and may be reappointed for 1 one more tenure. The composition of the Audit Committee position until December 2016 is: • Chairman of the Committee: H. Mardeksyah Bajurie • Members of the Committee: Mariatul Kiftiah Retno Yuliastuti Expertise • Committee Chairman: Compliance and Risk Sector • Committee Member 1: Audit Accounting Sector • Committee Member 2: Audit Accounting Sector Independency • Do not have inancial, management, share ownership and or family relationship with the Supervisory Board, the Board of Directors and or Controlling shareholder of BPD Kaltim; • Do not hold double positions on BPD Kaltim, another bank, both domestic and abroad. Laporan Tahunan 2016 | BANKALTIM 271 2016 annual report | BANKALTIM a.2. Tugas dan tanggung jawab • Melakukan pemantauan dan evaluasi atas perencanaan dan pelaksanaan audit terhadap standar audit yang berlaku serta pemantauan atas tindak lanjut hasil audit dalam rangka menilai kecukupan pengendalian intern; • Pemantauan dan evaluasi pelaksanaan audit oleh Akuntan Publik dengan standar audit yang berlaku; • Memantau dan mengevaluasi kesesuaian laporan keuangan dengan standar yang berlaku; • Memberikan rekomendasi mengenai penunjukan, penunjukan kembali dan pegakhiran penunjukan auditor; • Mengevaluasi pelaksanaan tugas SKAI terhadap Standar Audit yang berlaku; • PemantauanEvaluasi Pelaksanaan Audit oleh Akuntan Ekstern sesuai Standar Audit yang berlaku; • PemantauanEvaluasi kesesuaian laporan keuangan dengan Standar yang berlaku; • PemantauanEvaluasi Pelaksanaan tindak lanjut oleh ManajemenDireksi. a.3. Frekuensi rapat Rapat dilakukan minimal 1 satu kali dalam sebulan dan rapat yang dilakukan selama tahun 2016 adalah sebagai berikut: No. Tanggal Date Keterangan Description 1. 25 Januari 2016 January 25, 2016 Rapat Bulanan Januari 2016 Monthly Meeting January 2016 2. 25 Februari 2016 February 25, 2016 Rapat Bulanan Februari 2016 Monthly Meeting February 2016 3. 21 Maret 2016 March 21, 2016 Rapat Bulanan Maret 2016 Monthly Meeting March 2016 4. 18 April 2016 April 18, 2016 Rapat Bulanan April 2016 Monthly Meeting April 2016 5. 23 Mei 2016 May 23, 2016 Rapat Bulanan Mei 2016 Monthly Meeting May 2016 6. 20 Juni 2016 June 20, 2016 Rapat Bulanan Juni 2016 Monthly Meeting June 2016 7. 26 Juli 2016 July 26, 2016 Rapat Bulanan Juli 2016 Monthly Meeting July 2016 8. 25 Agustus 2016 August 25, 2016 Rapat Bulanan Agustus 2016 Monthly Meeting August 2016 9. 22 Sept 2016 September 22, 2016 Rapat Bulanan September 2016 Monthly Meeting September 2016 10. 20 Okt 2016 October 20, 2016 Rapat Bulanan Oktober 2016 Monthly Meeting October 2016 11. 21 Nov 2016 November 21, 2016 Rapat Bulanan November 2016 Monthly Meeting November 2016 a.2. Duties and responsibilities • Monitor and evaluate the planning and implementation of the audit toward applicable audit standards as well as monitoring on the follow-up results of the audit in order to assess the adequacy of internal controls; • Monitor and Evaluate the implementation of audit by public accountant with the applied standard audit; • Monitor and evaluate the suitability of inancial statements with the applicable standard; • Give recommendation concerning the appointment, reappoinment, and the dismissal of the auditor; • Evaluate the implementation of task handled by Internal Audit Work Unit SKAI about the applicable standard audit; • Monitor evaluate the implementation of audit made by the external audit base don the applicable standard audit; • Monitorevaluate the suitability of inancial statements with the applicable standardization; • Monitorevaluate the implementation of the follow-up made by the management Board of Directors. a.3. The Frequency of Meetings Meeting is conducted at least once in a month and meetings conducted during 2016 were as follows: a.4. Work Program and Its Realization The work program of Risk Monitoring Committee in 2016 and the realization of the work program in 2016 is presented more completely in the Good Corporate Governance GCG Report of BPD Kaltim year 2016. a.4. Program kerja dan realisasinya Program kerja Komite Pemantau Risiko tahun 2016 dan realisasi program kerja tahun 2016 disampaikan lebih lengkap dalam Laporan Good Corporate Governance GCG BPD Kaltim Tahun 2016. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 272

b. Komite Pemantau Risiko

b.1.Struktur, keanggotaan, keahlian, dan independensi anggota pada posisi sampai dengan Desember 2016 Struktur • Ketua Komite : Dewan Pengawas Independen • Anggota Komite : Pihak Independen berasal dari mantan Pejabat Eksekutif Bank BPD Kaltim yang telah melalui masa cooling of lebih dari 6 enam bulan • Anggota Komite : Pihak Independen berasal dari Akademisi. Keanggotaan Masa jabatan anggota Komite Pemantau Risiko adalah 3 tiga tahun dan dapat diangkat kembali untuk 1 satu kali masa jabatan berikutnya. • Ketua Komite : H. Mardeksyah Bajurie • Anggota Komite : Sudarmo 1 Oktober 2013 s.d 30 September 2016. Sugeng Hariyadi Keahlian • Ketua Komite : Bidang Kepatuhan dan Risiko • Anggota Komite 1 : Bidang Manajemen Risiko • Anggota Komite 2 : Bidang Ekonomi Independensi • Tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham danatau hubungan keluarga dengan Dewan Pengawas, Direksi danatau Pemegang saham Pengendali BPD Kaltim; • Rangkap jabatan yang dimiliki oleh anggota Komite telah memperhatikan kompetensi, kriteria independensi, kerahasiaan, kode etik dan pelaksanaan tugas dan tanggung jawab serta telah mengacu pada ketentuan Bank Indonesia tentang pelaksanaan Good Corporate Governance Bagi Bank Umum.

b. Risk Monitoring Committee

b.1.Structure, membership, skill, and independency of members until December 2016 Structure • Chairman of Committee : Independent Supervisory Board • Members of Committee : Independent party coming from the former of Bank Executive Oicers of BPD Kaltim who have been through a cooling of period of more than six 6 months. • Members of Committee : Independent party coming from Academicians. Membership The members of Risk Monitoring Committee’s tenure is 3 three years and can be promoted again for one more tenure. • Chairman of Committee : H. Mardeksyah Bajurie • Members of Committee : Sudarmo Sugeng Hariyadi Expertise • Committee Chairman: Compliance and Risk Sector • Committee Member 1: Risk Management Sector • Committee Member 2: Economics Sector Independency • Do not have inancial, management, share ownership relation and or family relationship with the Supervisory Board, the Board of Directors and or Controlling shareholder of BPD Kaltim; • Double positions held by members of the Committee had been considering the competence, independence criteria, secrecy, code of conduct and execution of tasks and responsibilities as well have been referring to Bank Indonesia regulation on the implementation of Good Corporate Governance for Commercial Banks. Laporan Tahunan 2016 | BANKALTIM 273 2016 annual report | BANKALTIM b.2. Tugas dan tanggung jawab • Mempelajari kebijakan manajemen risiko yang ditetapkan oleh perusahaan • Memantau dan mengevaluasi laporan manajemen risiko yang dikirim ke Bank Indonesia • Mengevaluasi kinerja Komite Manajemen Risiko dan SKMR pada Divisi Kepatuhan dan Manajemen Risiko • Menyampaikan laporan hasil evaluasi tersebut kepada Dewan Pengawas • Melakukan self assessment terhadap kinerja Komite Pemantau Risiko • Melakukan pemantauan setidaknya 4 dari 8 jenis risiko bank b.3. Frekuensi rapat Jadwal dan rapat Komite Pemantau Resiko yang diselenggarakan selama tahun 2016 adalah sebagai berikut: No. Tanggal Date Keterangan Description 1. 04 Januari 2016 January 04, 2016 Rapat Bulanan Januari 2016 Monthly Meeting January 2016 2. 11 Februari 2016 February 11, 2016 Rapat Bulanan Januari 2016 Monthly Meeting February 2016 3. 14 Maret 2016 March 14, 2016 Rapat Bulanan Februari 2016 Monthly Meeting March 2016 4. 08 Juni 2016 June 08, 2016 Rapat Bulanan Mei 2016 Monthly Meeting June 2016 5. 13 Oktober 2016 October 13, 2016 Rapat Bulanan Agustus 2016 Monthly Meeting October 2016 6. 07 November 2016 November 07, 2016 Rapat Bulanan September 2016 Monthly Meeting November 2016 7. 08 Desember 2016 December 08, 2016 Rapat Bulanan Oktober 2016 Monthly Meeting December 2016 b.2. Duty and Responsibility • Studying the risk management policy arranged by the company; • Monitoring and evaluating the risk management report which is sent to Bank Indonesia; • Evaluating the performance of Risk Management Committee and Risk Management Work Unit SKMR in Compliance Division and Risk Management; • Submitting report of the evaluation result to the Supervisory Board; • Making self assessment about the performance of Risk Monitoring Committee; • Monitoring at least 4 of 8 kinds of Bank risks. b.2. Meetings Frequency Meeting is conducted at least once in a month and the meetings held in 2015 were as follows:

c. Remuneration and Nomination Committee

c.1.Structure, membership, expertise and independence of members until December 2016 Structure • Chairman of the Committee: Independent Supervisory Board • Committee Member: Members of the Supervisory Board of BPD Kaltim • Committee members: Executive Oicer in charge of Human Resources Head of Human Resources Division of BPD Kaltim. Membership Tenure of the Risk Monitoring Committee members is three 3 years and can be reappointed for 1 one more tenure.

c. Komite Remunerasi dan Nominasi

c.1.Struktur, keanggotaan, keahlian, dan independensi anggota pada posisi sampai dengan Desember 2016 Struktur • Ketua Komite : Dewan Pengawas Independen • Anggota Komite : Anggota Dewan Pengawas BPD Kaltim • Anggota Komite : Pejabat Eksekutif yang membawahi Sumber Daya Manusia Pemimpin Divisi Sumber Daya Manusia BPD Kaltim Keanggotaan Masa jabatan anggota Komite Pemantau Risiko adalah 3 tiga tahun dan dapat diangkat kembali untuk 1 satu kali masa jabatan berikutnya. Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 274 • Ketua Komite : H. Sulaiman Gafur • Anggota Komite : H. Mardeksyah Bajurie Kosasih Sabran Fathurrahman 1 September s.d sekarang. Keahlian • Ketua Komite : Bidang Ekonomi • Anggota Komite 1 : Bidang Kepatuhan dan Risiko • Anggota Komite 2 : Bidang Manajemen Independensi • Tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham danatau hubungan keluarga dengan Dewan Pengawas, Direksi danatau Pemegang saham Pengendali BPD Kaltim; • Rangkap jabatan yang dimiliki oleh anggota Komite telah memperhatikan kompetensi, kriteria independensi, kerahasiaan, kode etik dan pelaksanaan tugas dan tanggung jawab serta telah mengacu pada ketentuan Bank Indonesia tentang pelaksanaan Good Corporate Governance Bagi Bank Umum. c.2. Tugas dan tanggung jawab • Melakukan evaluasi terhadap kebijakan remunerasi • Memberikan rekomendasi kepada Dewan Pengawas mengenai kebijakan remunerasi Dewan Pengawas dan Direksi serta pejabat eksekutif dan pegawai secara keseluruhan. • Menyusun dan memberikan rekomendasi mengenai sistem serta prosedur pemilihan dan atau penggantian anggota Dewan Pengawas dan Direksi kepada Dewan Pengawas untuk disampaikan kepada Rapat Umum Pemegang Saham. • Memberikan rekomendasi mengenai calon anggota Dewan Pengawas dan atau Direksi kepada Dewan Pengawas untuk disampaikan kepada Rapat Umum Pemegang Saham. • Chairman of the Committee: H. Sulaiman Gafur • Members of the Committee: H. Mardeksyah Bajurie Kosasih Sabran Fathurrahman September 1 until now Expertise • Committee Chairman: Economics Sector • Committee Member 1: Compliance and Risk Sector • Committee Member 2: Management Sector Independency • Do not have inancial, management, share ownership and or family relationship with the Supervisory Board, the Board of Directors and or Controlling shareholder of BPD Kaltim; • Double positions held by members of the Committee had been considering the competence, independence criteria, secrecy, code of conduct and execution of tasks and responsibilities as well have been referring to Bank Indonesia regulation on the implementation of Good Corporate Governance for Commercial Banks. c.2. Duties and responsibilities • To evaluate the remuneration policy Provide recommendations • to the Supervisory Board regarding the remuneration policy of the Board Supervisory and the Board of Directors and executive oicers and employees in general. • Develop and provide recommendations about system and procedures of election and or replacement of members of the Supervisory Board and the Board of Directors to the Supervisory Board to be submitted to the General Meeting of Shareholders. • Provide recommendations regarding prospective members of the Supervisory Board and or Board of Directors to the Supervisory Board to be submitted to the General Meeting of Shareholders.