“Interim Financial Reporting”, SFAS 5 (consequential amendment) sebagai berikut:

SFAS 3 “Interim Financial Reporting”, SFAS 5 (consequential amendment) sebagai berikut:

“Operating Segments”, SFAS 60 “Financial PSAK 3 ”Laporan Keuangan Interim”, PSAK 5

Instruments: Disclosures”, and SFAS 62 ”Segmen Operasi”, PSAK 60 ”Instrumen

“Insurance Contract”.

Keuangan: Pengungkapan”, dan PSAK 62 ”Kontrak Asuransi”.

Saat ini Bank sedang mengevaluasi dan belum The Bank’s is currently evaluating and have not menentukan dampak dari Standar tersebut

determined the effect of these Standars on the terhadap laporan keuangan.

financial statements.

54. PENYELESAIAN LAPORAN KEUANGAN

54. COMPLETION OF FINANCIAL STATEMENTS

Manajemen Bank bertanggung jawab dalam The Bank’s management is responsible for the penyusunan laporan keuangan yang telah

preparation of the financial statements that were diselesaikan dan disetujui untuk diterbitkan oleh

completed and authorized for issue by the Board of Direksi pada tanggal 30 Mei 2016.

Directors on May 30, 2016.

528 Bank Muamalat Laporan Tahunan 2015

Halaman ini sengaja di kosongkan This page is intentionally left blank

Data Perusahaan

Corporate Data

530 Bank Muamalat Laporan Tahunan 2015

Bank Muamalat 2015 Annual Report 531

532 Bank Muamalat Laporan Tahunan 2015

Profil Dewan Komisaris

Board of Commissioners’ Profile

Warga negara Indonesia, lahir di Sipirok, Tapanuli, pada tanggal 5 Agustus 1942. Pada tahun 1968, lulus dari Fakultas Ekonomi, Universitas Indonesia; pada tahun 1973, Magister Administrasi Publik dari Kennedy School of Government, Harvard University - Massachusetts, Amerika Serikat; pada tahun 1982, Ph. D di bidang Ekonomi dari Tufts University, Medford, Massachusetts, USA. Spesialisasi di bidang Teori Ekonomi Makro Terapan, Ekonomi Moneter dan Ekonomi Internasional.

Dr Anwar Nasution adalah Profesor Emeritus Ekonomi di Universitas Indonesia di Jakarta, Senior Fellow di Jeffrey Cheah Institute kawasan Asia Tenggara, Sunway City, Kuala Lumpur Malaysia;

Salah satu anggota dari Advisory Group International (Shadow-20) pada tahun 2013 di bawah kepemimpinan Profesor Jeffrey Sachs dari Columbia University, Spesialis Lembaga Ekonomi di SEADI Project, Nathan Associates, Inc, di Jakarta (2011-2013); Ketua Badan Pemeriksa Keuangan Republik Indonesia (2004-2009); Deputi Gubernur Senior Bank Indonesia (1999-2004) dan Dekan Fakultas Ekonomi (1988-2001). Profesor Sasakawa yang terkemuka dan sebagai ketua Pembangunan Ekonomi di UNU/WIDER Institute di Helsinki, Finlandia, dan Ajun Profesor Ekonomi di Universitas Helsinki dan Tampere tahun 1995-1996. Pernah mengunjungi Research Associate, dan NBER di

Indonesian citizen, born in Sipirok, Tapanuli, on August 5, 1942. In 1968, graduated from the Faculty of Economics, University of Indonesia; in 1973, Master of Public Administration from the Kennedy School of Government, Harvard University - Massachusetts, USA; in 1982, Ph. D in Economics from Tufts University, Medford, Massachusetts, USA. Specialization in the field of Applied Macroeconomic Theory, Monetary Economics and International Economics.

Dr. Anwar Nasution is Professor Emeritus of Economics at the University of Indonesia in Jakarta, Senior Fellow at the Jeffrey Cheah Institute of Southeast Asia, Sunway City, Kuala Lumpur, Malaysia;

One of the member of the International Advisory Group (Shadow-20) in 2013 under the leadership of Professor Jeffrey Sachs of Columbia University, Economics Institute Specialist in SEADI Project, Nathan Associates, Inc., in Jakarta (2011-2013); Chairman of the Audit Board of Indonesia (2004-2009); Senior Deputy Governor of Bank Indonesia (1999-2004) and Dean of the Faculty of Economics (1988-2001). Outstanding Professor Sasakawa and as chairman of the Economic Development at UNU/ WIDER Institute in Helsinki, Finland, and Adjunct Professor of Economics at the University of Helsinki and Tampere in 1995-1996. Visiting Research Associate, and the NBER in

Anwar Nasution

Komisaris Utama/Komisaris Independen President Commissioner/Independent Commissioner

At a Glance Report to Shareholders Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility Corporate Data

Cambridge, Massachusetts, Amerika Serikat, IDE di Tokyo, Cambridge, Massachusetts, USA, IDE in Tokyo, Research Fakultas Penelitian untuk Studi Pasifik, ANU di Canberra,

School of Pacific to study, ANU in Canberra, Australia, and Australia, dan Kyoto University, Kyoto, Jepang.

Kyoto University, Kyoto, Japan.

Sebagai konsultan untuk UN-ESCAP, UN-ECLAC, US-AID, As a consultant to UN-ESCAP, UN-ECLAC, US-AID, ADB, ADB, Bank Dunia, IMF dan MITI Jepang dan merupakan

World Bank, IMF and MITI of Japan and is a member of the anggota dari American Economic Association, American

American Economic Association, the American Committee Committee on Asian Economic Studies (ACAES), Ikatan

on Asian Economic Studies (ACAES), Indonesian Economists Sarjana Ekonomi Indonesia, dan East Asia Economic

Association, and East Asia Economic Association. Professor Association. Profesor Nasution memegang posisi editorial

Nasution holds editorial positions in the Bulletin of dalam Buletin Studi Ekonomi Indonesia (BIES) yang

Indonesian Economic Studies (BIES) published by the diterbitkan oleh Universitas Australia, Canberra, Journal of

University of Australia, Canberra, Journal of Asian Economic Economic Studies Asia (diterbitkan oleh ACAES) dan Journal

Studies (published by ACAES) and Journal of Asian of Asian Economics.

Economics.

Karya penelitiannya telah diterbitkan dalam banyak His research works have been published in many economic jurnal ekonomi, dan oleh sejumlah penerbit, seperti ISEAS

journals and by a number of publishers, such as ISEAS Singapura, RoutledgeCurzon, University of Chicago Press,

Singapore, RoutledgeCurzon, University of Chicago Press, University of Michigan Press, Praeger, Maruzen, McMillan

University of Michigan Press, Praeger, Maruzen, McMillan and Lynne Rienner Publishers, OECD and Oxford University

and Lynne Rienner Publishers, OECD and Oxford University Press. Publikasi-Nya meliputi: “Lembaga Keuangan dan

Press. His publications include: “Financial Institutions and Kebijakan” (Singapura: ISEAS, 1983); Dengan W.T. Woo,

Policies” (Singapore: ISEAS, 1983); With W.T. Woo, “Behavioral “Perilaku Kebijakan Ekonomi di Indonesia dan Dampaknya

Economic Policy in Indonesia and Its Impact on Foreign Terhadap Utang Luar Negeri” dalam JD Sachs (ed.),

Debt” in the JD Sachs (ed.), Debt of Developing Countries Hutang Negara Berkembang dan Ekonomi Dunia, Chicago

and the World Economy, (Chicago University Press, 1989); University Press, 1989); Dengan WT Woo dan B. Glassburner,

With WT Woo and B. Glassburner, “Macroeconomic Policy, “Kebijakan Ekonomi Makro, Krisis dan Pertumbuhan Jangka

Crisis and Long-Term Growth in Indonesia, 1965 - 1990” Panjang di Indonesia, 1965 - 1990” (Washington, DC: Bank

(Washington, DC: World Bank, 1994); With S. Griffith-Jones, Dunia, 1994); Dengan S. Griffith-Jones, M.F. Montes, “Arus

M.F. Montes, “Short-term Capital Flows and Economic Crisis” Modal jangka pendek dan Krisis Ekonomi” (Oxford: Oxford

(Oxford: Oxford University Press, 2000) and “Global Savings- University Press, 2000) dan “Global Savings-Investment

Investment Imbalances: What Role for East Asia,” Asian Imbalances: What Role for East Asia”, Asian Economic

Economic Papers 6-2, pp 1-13 (August 2007), his edited Papers 6-2, pp 1-13 (Agustus 2007). Buku suntingannya

book titled Macroeconomic Policies in Indonesia After the berjudul Kebijakan Makroekonomi di Indonesia Setelah

Financial Crisis in 1997, in 2014 published by Routledge Krisis Keuangan pada tahun 1997, di tahun 2014 telah

Singapore both hard and soft cover. diterbitkan oleh Routledge Singapura baik hard dan soft cover.

Menjabat sebagai Komisaris Utama PT Bank Muamalat Served as President Commissioner of PT Bank Muamalat Indonesia Tbk sejak diangkat pada Rapat Umum Pemegang

Indonesia Tbk since appointed in the Annual General Saham Tahunan tanggal 23 Juni 2014 dan mendapatkan

Meeting of Shareholders on 23 June 2014 and obtain keputusan efektif dari OJK tanggal 19 November 2014.

effective decision from the FSA dated November 19 , 2014

Bank Muamalat 2015 Annual Report 533

Profil Dewan Komisaris Board of Commissioners’ Profile

Warga negara Indonesia, lahir di Indramayu, 3 Februari 1977. Memperoleh gelar Sarjana dari Fakultas Ekonomi Universitas Indonesia sebagai lulusan terbaik dengan predikat Cum Laude. Telah menyelesaikan program Global Leadership Executive MBA di SBM ITB dan Aalto University, Finlandia. Beliau memiliki pengalaman di industri keuangan di bidang perbankan syariah, pasar modal, dan juga asuransi. Aktif terlibat dalam industri keuangan syariah dan dikenal sebagai pioneer dalam penerbitan Obligasi Syariah (Sukuk) di Indonesia dengan penerbitan pertama Obligasi Syariah Mudharabah Indosat tahun 2002. Juga ikut terlibat bersama Kementrian Keuangan dalam proses penerbitan Sukuk Negara tahun 2008.

Menjabat sebagai Komisaris Independen PT Bank Muamalat Indonesia Tbk sejak diangkat pada Rapat Umum Pemegang Saham Tahunan tanggal

23 Juni 2014 dan mendapatkan keputusan efektif dari OJK tanggal 25 November 2014.

Indonesian citizen, born in Indramayu, February 3 1977. Obtained his Bachelor’s degree from Faculty of Economics University of Indonesia the best in class with Cum Laude. He has completed Global Leadership

Iggi H. Achsien

Executive MBA at SBM ITB and Aalto University, Finland. He has experience Komisaris Independen

in financial industry in sharia banking sector, capital market as well as Independent Commissioner

insurance. Actively involved in sharia financial industry and known as pioneer in the issuance of Sharia Bonds (Sukuk) in Indonesia with the initial issuance of Indosat Sharia Mudharabah Bonds in 2002. Also involved with Ministry of Finance in the process of Government Sukuk issuance in 2008.

Served as Independent Commissioner of PT Bank Muamalat Indonesia Tbk since appointed in the Annual General Meeting of Shareholders on 23 June 2014 and obtain effective decision from the FSA dated November 25 , 2014

534 Bank Muamalat Laporan Tahunan 2015

At a Glance Report to Shareholders Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility Corporate Data

Warga negara Arab Saudi, lahir di Jeddah, 7 April 1968. Sultan Abdulrauf memiliki lebih dari 21 tahun pengalaman profesional dalam investasi, perbankan, dan keuangan perusahaan. Dia bergabung di Sedco Grup pada tahun 2004 dan saat ini dia adalah Head of Corporate Direct Investments. Tanggung jawab utamanya termasuk mengawasi investasi langsung dan portofolio ekuitas swasta dari Grup.

Sebelum bergabung dengan Sedco, Sultan adalah Asisten General Manager Investment Banking Group di SAMBA, sebelumnya afiliasi dari Citibank di Arab Saudi. Selama dua tahun di SAMBA, dia bertanggung jawab untuk pengelolaan hubungan perusahaan besar.

Sebelum itu Sultan bekerja sebagai Senior Perusahaan Banker dengan Corporate Banking Group di Bank Umum Nasional selama 8 tahun. Dia bertanggung jawab untuk mengelola 30 hubungan perusahaan besar dengan portofolio lebih dari US$ 1,0 Miliar.

Sultan menjabat sebagai Komisaris di PT Bank Muamalat Indonesia Tbk sejak tanggal 21 April 2009. Selain itu, ia adalah seorang anggota Komite

Sultan Mohammed Hasan Abdulrauf

Investasi dari dana Privat Equity dan juga berfungsi sebagai anggota Komisaris

Dewan Penasehat dari beberapa dana Privat Equity. Ia menerima gelar Commissioner

Master of Accounting & Financial Information System dari Cleveland State University di Amerika Serikat. Ia juga seorang CPA AS.

Sultan Mohammed Hasan Abdulrauf telah mengundurkan diri sejak 8 April 2016 dan telah disetujui pada RUPS Luar Biasa pada tanggal 23 Mei 2016.

Saudi Arabia citizen, born in Jeddah, April 7, 1968. Sultan Abdulrauf has over 21 years of professional experience in investments, banking, and corporate finance. He joined SEDCO Group in 2004 and currently he is the Head of Corporate Direct Investments. His primary responsibilities include overseeing direct investments and private equity portfolio of the Group.

Prior to joining SEDCO, Sultan was Assistant General Manager at Corporate & Investment Banking Group in SAMBA, previously an affiliate of Citibank in Saudi Arabia. During his two years at SAMBA, he was responsible for the management of major corporate relationships.

Prior to that Sultan worked as Senior Corporate Banker with Corporate Banking Group at the National Commercial Bank for 8 years. He was responsible for managing 30 major corporate relationships with a portfolio of more than US$ 1.0 Billion.

Sultan has been a Commissioner of PT Bank Muamalat Indonesia Tbk since April 21, 2009. Additionally, he is an Investment Committee member of

a Private Equity fund and also serves as a member of Advisory Boards of several Private Equity funds. He received his Master of Accounting & Financial Information Systems from Cleveland State University in the USA. He is also a US CPA.

Sultan Mohammed Hasan Abdulrauf resigned on 8 April 2016, as subsequently approved by the Extra Ordinary GMS on 23 May 2016

Bank Muamalat 2015 Annual Report 535

536 Bank Muamalat Laporan Tahunan 2015

Saleh Ahmed Al-Ateeqi

Komisaris Commissioner

Djaja M Tambunan

Komisaris Independen Independent Commissioner

Warga negara Kuwait, lahir pada 1 Januari 1975. Mr. Al-Ateeqi menjabat sebagai Komisaris PT Bank Muamalat Indonesia Tbk sejak 21 Desember 2011. Ia meraih gelar Sarjana di bidang Administrasi Bisnis jurusan Akuntansi dari Georgetown University, USA (1997), dan gelar MBA di bidang Manajemen Strategis dan Keuangan dari Wharton School of Business, University of Pennsylvania, USA (2004).

Saleh saat ini adalah CEO Boubyan Capital, yang merupakan perpanjangan tangan dari manajemen investasi Boubyan Bank yang merupakan bagian dari National Bank of Kuwait Group. Ia telah bergabung di Boubyan sejak Januari 2010. Ia juga menjabat sebagai Penasihat Senior di kantor Tony Blair, menasihati Pemerintah Kuwait pada sektor keuangan. Sebelumnya, Saleh adalah Engagement Manager di McKinsey & Co dari tahun 2004 hingga 2008.

Warga negara Indonesia, lahir di Jakarta pada 24 Januari 1965. Meraih gelar Bachelor of Arts di bidang Ekonomi dan Keuangan dari University of Canberra. Beliau memulai karir di Citibank, Jakarta sebagai Assistant Vice President (1991-1997), sebelum pindah ke The Chase Manhattan Bank sebagai Vice President (1997-2001), sebagai Senior Vice President di The HongKong and Shanghai Banking Corporation (2001-2006), JP Morgan Chase (2006-2008). Kemudian beliau menjabat sebagai Chief Financial Officer/Financial Director di PT Aneka Tambang Tbk (Persero) (2008-2015), dan Komisaris Utama PT Indonesia Chemical Alumina (2015-sekarang). Menjabat sebagai Komisaris Independen PT Bank Muamalat Indonesia Tbk sejak diangkat pada Rapat Umum Pemegang Saham Luar Biasa tanggal

7 September 2015 dan saat ini sedang dalam proses Uji Kemampuan dan Kepatutan dari OJK.

Kuwaiti citizen, born on January 1, 1975. Mr. Al-Ateeqi serves as Commissioner of PT Bank Muamalat Indonesia Tbk since December 21, 2011. He holds a Bachelor’s degree in Business Administration with a major in Accounting from Georgetown University, USA (1997), and an MBA in Strategic Management and Finance from the Wharton School of Business, University of Pennsylvania, USA (2004).

Saleh is currently the CEO of Boubyan Capital, the investment management arm of Boubyan Bank which is part of the National Bank of Kuwait Group. He has been with Boubyan since January 2010. He also served as Senior Advisor with the Office of Tony Blair advising the Government of Kuwait on the financial sector. Previously, Saleh was an Engagement Manager with McKinsey & Co. where he worked from 2004 to 2008.

Indonesian citizen, born in Jakarta on January 24, 1965. He obtained his Bachelor of Arts majoring in Finance and Economic from the University of Canberra. His career began with Citibank, Jakarta as Assistant Vice President (1991-1997), before moving to The Chase Manhattan Bank Jakarta as Vice President (1997-2001), The HongKong and Shanghai Banking Corporation as Senior Vice President (2001-2006), JP Morgan Chase (2006-2008). He then was appointed as Chief Financial Officer/Financial Director at PT Aneka Tambang Tbk (Persero) (2008-2015), and President Comissioner PT Indonesia Chemical Alumina (2015-now). Appointed as Independent Commissioner of PT Bank Muamalat Indonesia Tbk in the Extraordinary General Meeting of Shareholders on 7 September 2015 and currently is in the process of Fit and Proper Test from FSA.

Profil Dewan Komisaris Board of Commissioners’ Profile

At a Glance Report to Shareholders Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility Corporate Data

Warga negara Amerika Serikat, lahir di Arab Saudi, 10 November 1959. Beliau ditunjuk oleh Islamic Development Bank sebagai Komisaris PT Bank Muamalat Indonesia Tbk pada Juni 2014 dan mendapatkan keputusan efektif dari OJK tanggal 27 April 2016. Beliau meraih gelar Sarjana di bidang Akuntansi dari McNeese State University, USA (1984). Kemudian beliau diakui memenuhi syarat sebagai Akuntan Publik (CPA) oleh Texas Board of Certified Public Accountants (1986).

Sejak bergabung dengan IDB pada tahun 1993, beliau telah menduduki posisi senior di fungsi Internal Audit dan Evaluasi Operasi. Beliau pindah ke posisinya saat ini sebagai Senior Technical Advisor untuk Vice President Finance pada tahun 2006.

Sebelum bergabung dengan IDB, beliau pernah berkarir sebagai Analis Keuangan Senior pada Procter and Gamble (1990 – 1993) dan sebagai Auditor Senior pada Pricewaterhouse Coopers, Jeddah, KSA (1984 – 1989).

American citizen, born in Saudi Arabia, November 10, 1959. He has been

Ayuoob Akbar Qadri

appointed by the Islamic Development Bank to serve as Commissioner Komisaris

in PT Bank Muamalat Indonesia Tbk in June, 2014 and obtain effective Commissioner

decision from the FSA dated April 27, 2016. He holds a Bachelor’s degree in Accounting from McNeese State University (1982). He has subsequently qualified as a Certified Public Accountant (CPA) from the Texas Board of Certified Public Accountants (1986).

Since joining IDB in 1993, he has held senior positions in Internal Audit and Operational Evaluation functions. He moved to his current position of Senior Technical Advisor to the Vice President Finance in 2006.

Prior to joining IDB, he worked as Senior Financial Analyst for Procter and Gamble (1990 - 1993) and as Senior Auditor for Price Waterhouse Coopers, Jeddah, KSA (1984-1989).

Bank Muamalat 2015 Annual Report 537

Profil Direksi

Board of Directors’ Profile

Warga negara Indonesia, lahir di Palembang pada 3 Januari 1963. Lulus dari Boston University – USA tahun 1988 sebagai Bachelor of Science in Mechanical Engineering, dan lulus pendidikan lanjutan di Southern New Hampshire University – USA tahun 1989 dengan gelar Master of Business Administration in International Business.

Mengawali karir perbankan di HSBC Indonesia sejak tahun 1989 dengan menduduki beberapa posisi di antaranya: Senior Vice President National Trade Finance (2000-2001), Senior Vice President Compliance and Control (2001), hingga dipercaya menjabat sebagai Compliance Director HSBC Indonesia sampai 2003. Pada tahun 2003-2004 menjabat sebagai Komisaris PT HSBC Securities Indonesia, tahun 2003-2006 sebagai Chief Human Resources Officer HSBC Indonesia, dan selama tahun 2006-2007 ditempatkan di HSBC Global Processing Malaysia. Karir di HSBC Indonesia masih berlanjut hingga dipercaya menjabat sebagai Chief Operating Officer pada tahun 2007-2009, dan sebagai Chief Risk Officer selama 2009. Pada akhir 2009 berkarir sebagai Consultant – Risk Management di Bank Ekonomi Rahardja (member HSBC Group) dan kemudian menjabat sebagai Director & Chief Risk Officer di Bank yang sama. Menjabat sebagai Direktur

Endy PR Abdurrahman

Utama PT Bank Muamalat Indonesia Tbk sejak diangkat pada Rapat Umum Direktur Utama

Pemegang Saham Tahunan tanggal 23 Juni 2014 dan mendapatkan President Director

keputusan efektif dari OJK tanggal 18 September 2014. Indonesian citizen, born in Palembang on January 3, 1963. Obtained his

Bachelor of Science In Mechanical Engineering from Boston University – USA in 1988, and advance study at Southern New Hampshire University – USA in 1989 with degree Master of Business Administration in International Business.

He started his banking career at HSBC Indonesia since 1989 and held several positions, among others: Senior Vice President National Trade Finance (2000-2001), Senior Vice President Compliance and Control (2001) so as trusted to serve as Compliance Director of HSBC Indonesia until 2003. Held position as Commissioner of PT HSBC Securities Indonesia in 2003-2004, as Chief of Human Resources Officer of HSBC Indonesia in 2003-2006 and during 2006-2007 was assigned at HSBC Global Processing, Malaysia. His career at HSBC Indonesia still continued to hold position as Chief Operating Office in 2007-2009 and as Chief Risk Office during 2009. At the end of 2009, he worked as Consultant – Risk Management at Bank Ekonomi Rahardja (member of HSBC Group) and then as Director & Chief Risk Officer at the same bank. Served as President Director of PT Bank Muamalat Indonesia Tbk since appointed in the Annual General Meeting of Shareholders on 23 June 2014 and obtain effective decision from the FSA dated September 18 , 2014.

538 Bank Muamalat Laporan Tahunan 2015

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Warga negara Indonesia, lahir di Kuningan pada 6 Agustus 1969. Memiliki pengalaman kerja yang cukup variatif selama kurang lebih 21 tahun yaitu 16 tahun bergelut pada sektor perbankan, 4 tahun sebagai direktur keuangan pada perusahaan otomotif, dan 1,5 tahun pada sektor consumer goods.

Karir perbankan diawali di Bank Universal (sekarang bank Permata) sebagai lulusan terbaik Banker Development Program angkatan V, kemudian mendapatkan kesempatan kerja di National Australian Bank (Melbourne), Senior Vice President di BII – Maybank sebagai Credit Underwriter Head Commercial Banking, dan menjabat sebagai Kepala Grup Manajemen Risiko dan Kepatuhan di BRI Syariah sebelum menjabat sebagai Direktur Kepatuhan dan Manajemen Risiko di PT Bank Muamalat Indonesia Tbk yang diangkat pada Rapat Umum Pemegang Saham Tahunan tanggal

23 Juni 2014 dan mendapatkan keputusan efektif dari OJK tanggal 18 September 2014.

Salah satu lulusan terbaik dari Institut Teknologi Bandung jurusan Teknik Kimia, mendapatkan beasiswa dari British Chevening untuk mendapatkan gelar MSc (Chemical Engineering) dengan predikat High Distinction dari University of Wales, Inggris, dan memperoleh beasiswa dari University of

Evi Afiatin Ismail

Melbourne untuk mendapatkan gelar Master of Applied Finance dengan Direktur Kepatuhan dan Manajemen Risiko

predikat High Distinction.

Compliance and Risk Management Director Selain menjadi Pembicara di berbagai seminar dan pelatihan, khususnya di

bidang Manajemen Risiko, Manajemen Keuangan dan Strategi Keuangan, sampai dengan saat ini masih terdaftar sebagai dosen dan pembimbing tesis di Program Magister Akuntansi, Universitas Indonesia.

Evi Afiatin Ismail telah mengundurkan diri sejak 23 Februari 2016 dan telah disetujui pada RUPS Luar Biasa pada tanggal 23 Mei 2016.

Indonesian citizen, born in Kuningan on August 6, 1969. She has quite various working experience for about 21 years, which is 16 years in banking sector, 4 years as finance director in an automotive company and 1.5 years in consumer goods sector.

Her banking career began at Bank Universal (now Bank Permata) as the best in class of Banker Development Program batch V, then got work opportunity at National Australian Bank (Melbourne), Senior Vice President at BII-Maybank as Credit Underwriter Head Commercial Banking, and served as Risk Management and Compliance Group Head at BRI Syariah before served as Compliance and Risk Management Director of PT Bank Muamalat Indonesia Tbk since appointed in the Annual General Meeting of Shareholders on 23 June 2014 and obtain effective decision from the FSA dated September 18 , 2014.

As one of the most outstanding graduates from Chemical Engineering Department, Bandung Institute of Technology, grantee from British Chevening to obtain Master of Science degree in Chemical Engineering with High Distinction from University of Wales, United Kingdom, and received scholarships from University of Melbourne to attain degree of Master of Applied Finance with High Distinction.

Besides being a speaker at various seminars and trainings, especially in Risk Management field, Financial Management and Financial Strategy, until now she is still enlisted as a lecturer and thesis advisor at Accounting Master Program, University of Indonesia.

Evi Afiatin Ismail resigned on 23 February 2016, as subsequently approved by the Extra Ordinary GMS on 23 May 2016.

Bank Muamalat 2015 Annual Report 539

540 Bank Muamalat Laporan Tahunan 2015

Warga negara Indonesia, lahir di Jakarta pada 4 Juni 1966. Lulus dari Universitas Trisakti pada 1990 sebagai Sarjana Ekonomi. Pada tahun 1993 meraih gelar dari Southern New Hampshire University sebagai Master of Business Administration in Marketing dan Master of Science in Computer Information System pada tahun 1995.

Pada awal karirnya, yang bersangkutan bekerja pada John Hancock Insurance Company International Group Department di Boston, USA pada tahun 1992-1993. Kemudian memulai karir perbankan di Bank PDFCI pada tahun 1995-1999 sebagai Associate dan Relationship Manager - Corporate Banking. Setelah itu, pada periode tahun 1999-2002 bergabung di sebuah perusahaan Multinasional sebagai Deputy Country Head – Trade Structured Finance, sebagai Relationship Manager dan Credit Marketing Head pada salah satu Bank BUMN dan Bank Swasta Campuran. Selama tahun 2003- 2007 menjabat sebagai Trade Finance Business Development Division Head, Corporate Banking Head, Malaysian Corporation Banking Head, Corporate Banking III Group Head di Bank Niaga, Jakarta. Setelah Bank Niaga berganti menjadi Bank CIMB Niaga, dipercaya untuk menduduki beberapa jabatan diantaranya Corporate Banking I Group Head, Head of Global Corporate Indonesia dan Head of Corporate Client Solution 2 selama tahun 2007-2014. Menjabat sebagai Direktur Bisnis Korporasi di PT Bank Muamalat Indonesia Tbk sejak diangkat pada Rapat Umum Pemegang Saham Tahunan tanggal 23 Juni 2014 dan mendapatkan keputusan efektif dari OJK tanggal 18 September 2014.

Telah mengikuti berbagai training dan seminar, baik di dalam maupun di luar negeri.

Indonesian citizen, born in Jakarta at June 4, 1966. Obtained his Bachelor of Economics from Trisakti University in 1990. In 1993 he earned Master of Business Administration in Marketing and Master of Science in Computer Information System from Southern New Hampshire University.

In the beginning of his career, he worked for John Hancock Insurance Company International Group Department in Boston, USA in 1992-1993. He then started his banking career at Bank PDFCI in 1995-1999 as Associate and Relationship Manager – Corporate Banking. Afterwards, in period of 1999-2002 he joined a multinational company as Deputy Country Head – Trade Structured Finance, as Relationship Manager and Credit Marketing Head at one of the State-owned Banks and joint-venture Private Bank. Served as Trade Finance Business Development Division Head in 2003-2007, Corporate Banking Head, Malaysian Corporation Banking Head, Corporate Banking III Group Head at Bank Niaga, Jakarta. After Bank Niaga changed to Bank CIMB Niaga, he was assigned to several positions, among others: Corporate Banking I Group Head, Head of Global Corporate Indonesia and Head of Corporate Client Solution 2 during 2007-2014. Served as Corporate Banking Director of PT Bank Muamalat Indonesia Tbk since appointed in the Annual General Meeting of Shareholders on 23 June 2014 and obtain effective decision from the FSA dated September 18 , 2014.

He has attended various trainings and seminar both domestically and abroad.

Indra Yurana Sugiarto

Direktur Bisnis Korporasi Corporate Banking Director

Profil Direksi Board of Directors’ Profile

Bank Muamalat 541 2015 Annual Report

At a Glance Report to Shareholders Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility Corporate Data

Warga negara Indonesia, lahir di Medan pada 8 September 1969. Meraih gelar Sarjana Akuntansi dari Universitas Indonesia. Pengalaman berkarir sebagai Akuntan Publik - Ernst & Young (1993-2003), Chief Financial Officer & Legal Entity Controller - JP Morgan Indonesia (JP Morgan Chase Bank Jakarta Branch & PT JP Morgan Securities Indonesia) pada tahun 2003- 2009, Controller - PT Bank Rabobank International Indonesia (2009-2012), CFO & Finance Director - PT Bank QNB Kesawan Tbk (2012-2015). Menjabat sebagai Direktur Keuangan dan Strategi PT Bank Muamalat Indonesia Tbk sejak diangkat pada Rapat Umum Pemegang Saham Luar Biasa tanggal 7 September 2015 dan mendapatkan keputusan efektif dari OJK tanggal 21 Maret 2016.

Indonesian citizen, born in Medan on September 8, 1969. Obtained Bachelor of Accounting from Indonesia University. His career experienced such as Public Accountant - Ernst & Young (1993-2003), Chief Financial Officer & Legal Entity Controller - JP Morgan Indonesia (JP Morgan Chase Bank Jakarta Branch & PT JP Morgan Securities Indonesia) in 2003-2009, Controller - PT Bank RaboBank International Indonesia (2009-2012), CFO & Finance Director - PT Bank QNB Kesawan Tbk (2012-2015). Served as Finance and Strategy Director of PT Bank Muamalat Indonesia Tbk since appointed in the Extraordinary General Meeting of Shareholders on 7 September 2015 and obtain effective decision from the FSA dated March

21 , 2016..

Hery Syafril

Direktur Keuangan Finance Director

Warga negara Indonesia, lahir di Tegal pada 13 Juli 1968. Meraih gelar Doktor Ilmu Ekonomi dari Universitas Padjadjaran. Pengalaman berkarir di Perbankan diantaranya sebagai Assistant Vice President - Branch Manager Standard Chartered Bank, Medan Branch (2002), Vice President - Regional Head Standard Chartered Bank, Jakarta Region (2003-2004), Senior Vice President - Pemimpin Wilayah Regional II Jawa Barat, Bank Danamon (2005-2008), Senior Vice President - Pemimpin Divisi Retail Banking Network Distribution, Bank Danamon (2009-2010), Executive Vice President – Pemimpin Divisi Customer Management & Marketing, Bank Negara Indonesia (2011-2015). Menjabat sebagai Direktur Bisnis Retail PT Bank Muamalat Indonesia Tbk sejak diangkat pada Rapat Umum Pemegang Saham Luar Biasa tanggal 7 September 2015 dan mendapatkan keputusan efektif dari OJK tanggal 21 Maret 2016.

Indonesian citizen, born in Tegal on July 13, 1968. Obtained Doctorate Degree in Economic Science from Padjadjaran University. His experienced in banking career such as Assistant Vice President - Branch Manager Standard Chartered Bank, Medan Branch (2002), Vice President - Regional Head Standard Chartered Bank, Jakarta Region (2003-2004), Senior Vice President – Head of Regional II West Java, Bank Danamon (2005- 2008), Senior Vice President – Head of Division Retail Banking Network Distribution, Bank Danamon (2009-2010), Executive Vice President – Head of Division Customer Management & Marketing, Bank Negara Indonesia (2011-2015). Served as Retail Banking Director of PT Bank Muamalat Indonesia Tbk since appointed in the Extraordinary General Meeting of Shareholders on 7 September 2015 and obtain effective decision from the FSA dated March 21 , 2016.

Purnomo B. Soetadi

Direktur Bisnis Ritel Retail Banking Director

542 Bank Muamalat Laporan Tahunan 2015

Warga negara Indonesia, lahir di Pasaman, Sumatera Barat pada 18 Agustus 1966. Meraih gelar Sarjana dari Fakultas Psikologi UGM (Unversitas Gadjah Mada), Yogyakarta serta Magister Manajemen/MBA dari IPMI Jakarta dan Monash University. Berpengalaman dalam bidang sumber daya manusia diantaranya pernah menjabat berbagai posisi sebagai SVP, Head of HR-Bank Niaga (2000-2008), Director, Head of Commerce Leadership Institute-CIMB (2008-2009), Head of HR & HR Project Manager for Business Transformation – Bank Ekonomi HSBC Group (2010-2011), Director, Towers Watson Indonesia (2012-2015) dan saat ini menjabat sebagai Chief Human Capital Officer di PT Bank Muamalat Indonesia Tbk sejak Oktober 2015.

Indonesian citizen, born in Pasaman, West Sumatra on August 18, 1966. Obtained Bachelor’s degree from the Faculty of Psychology (University of Gajah Mada), Yogyakarta and Master of Management/MBA from IPMI Jakarta and Monash University. Experienced in human resources with various positions such as SVP, Head of HR - Bank Niaga (2000-2008), Director, Head of Commerce Leadership Institute - CIMB (2008-2009), Head of HR & HR Project Manager for Business Transformation – Bank Ekonomi HSBC Group (2010-2011), Director, Towers Watson Indonesia (2012-2015) and now served as an Chief Human Capital Officer in PT Bank Muamalat Indonesia Tbk since October 2015.

Awaldi

Chief Human Capital Officer

Profil Manajemen Eksekutif Executive Management’s Profile

Warga negara Indonesia, lahir di Medan pada 16 April 1965. Meraih gelar Sarjana Akuntansi dari Universitas Sumatera Utara.

Berpengalaman di bidang Perbankan kurang lebih 27 tahun dengan berbagai posisi antara lain Finance & Accounting – PT Bank Bali Tbk (1989- 1990), Branch Banking (Operation Branch Manager, Branch Manager, Deputy District Manager) – PT Bank Bali Tbk (1990-1995), Senior Manager, Credit Card Business – PT Bank Bali Tbk (1995-1997), General Manager Operation – PT Bank Bali Tbk (1997-2000), AVP Corporate Internal Audit Group – PT Permata Bank Tbk (2000-2003), Kepala Satuan Kerja Audit Internal (SKAI) - Chinatrust Banking Corporation (CTBC) Indonesia (2003-2005), SVP Head of Indonesian Overseas Worker Financing (IOW) Business - Chinatrust Banking Corporation (CTBC) Indonesia (2005-2008), Operation Director - Chinatrust Banking Corporation (CTBC) Indonesia (2008-2012), Operation Director – Sumitomo Mitsui Banking Corporation (SMBC) Indonesia (2012-2015), dan saat ini menjabat sebagai Chief Operation Officer di PT Bank Muamalat Indonesia Tbk sejak September 2015.

Indonesian citizen, born in Medan on April 16, 1965. Obtained Bachelor of Accounting from North Sumatra University.

Experienced in banking more than 27 years with various positions such as Finance & Accounting – PT Bank Bali Tbk (1989-1990), Branch Banking (Operation Branch Manager, Branch Manager, Deputy District Manager) – PT Bank Bali Tbk (1990-1995), Senior Manager, Credit Card Business – PT Bank Bali Tbk (1995-1997), General Manager Operation – PT Bank Bali Tbk (1997-2000), AVP Corporate Internal Audit Group – PT Permata Bank Tbk (2000-2003), Head of Internal Audit - Chinatrust Banking Corporation (CTBC) Indonesia (2003-2005), SVP Head of Indonesian Overseas Worker Financing (IOW) Business - Chinatrust Banking Corporation (CTBC) Indonesia (2005-2008), Operation Director - Chinatrust Banking Corporation (CTBC) Indonesia (2008-2012), Operation Director – Sumitomo Mitsui Banking Corporation (SMBC) Indonesia (2012-2015), and now served as an Chief Operation Officer in PT Bank Muamalat Indonesia Tbk since September 2015.

Masa Paskalis Lingga

Chief Operation Officer

At a Glance Report to Shareholders Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility

Profil Dewan Pengawas Syariah Corporate Data

Sharia Supervisory Board’s Profile

Warga negara Indonesia, lahir di Tangerang, Banten, 11 Maret 1943. Lulus dari Universitas Ibnu Chaldun dan Pondok Pesantren Tebu Ireng, Jombang Jawa Timur. Merupakan ulama dan politikus Indonesia yang pernah menjabat sebagai anggota Dewan Pertimbangan Presiden sejak 10 April 2007 dan dilantik kembali untuk periode kedua pada 25 Januari 2010 hingga masa kepemimpinan Presiden SBY berakhir. Adapun amanah lain yang pernah disandangnya adalah sebagai berikut:

1. Ketua Fraksi PPP DPRD DKI Jakarta.

2. Pimpinan Komisi A DPRD DKI Jakarta.

3. Ketua Komisi Fatwa MUI Pusat.

4. Anggota Dewan Pertimbangan Presiden Bidang Kehidupan Beragama (2007-2009).

5. Anggota Dewan Pertimbangan Presiden Bidang Hubungan Antar Agama (2010 – 2014).

6. Rais ‘Aam Pengurus Besar Nahdhatul Ulama 2015-2020.

7. Ketua Badang Pelaksana Harian (BPH) Dewan Syariah Nasional 2010- 2015.

8. Ketua Umum Majelis Ulama Indonesia (MUI) 2015-2020.

9. Ketua Badan Pelaksana Harian (BPH) Dewan Syariah Nasional 2015-

Dr. (HC) KH. Ma’ruf Amin

Ketua

10. Ketua Dewan Pengawas Syariah (DPS) Bank Syariah Mega Indonesia Chairman

(aktif).

11. Ketua Dewan Pengawas Syariah (DPS) BNI Syariah (aktif).

12. Dewan Pengawas Syariah (DPS) PT BNI Life Insurance.

13. Dewan Pengawas Syariah (DPS) PT Asuransi Jiwa Beringin Jiwa Sejahtera.

Anggota ex-Officio Komite Pengembangan Jasa Keuangan Syariah (KPJKS) Otoritas Jasa Keuangan (OJK) (2014-sekarang).

Indonesian citizen, born March 11, 1943, in Tangerang, Banten. Graduated from Universitas Ibnu Chaldun and Pondok Pesantren Tebu Ireng, Jombang, East Java. A noted Indonesian ulemma and politician who once served as

a member of the Presidential Advisory Board since April 10, 2007, and was subsequently re-appointed for a second term on January 10, 2010, until the end of SBY’s presidency. He was also entrusted to serve in various other positions as well, including:

1. Head of PPP Faction at DKI Jakarta Regional Representative Council.

2. Head of Commission A at DKI Jakarta Regional Representative Council.

3. Head of Fatwa Commission of MUI Central.

4. Member of the Presidential Advisory Board for Religious Living (2007- 2009).

5. Member of the Presidential Advisory Board for Inter-Religion Relations (2010 – 2014).

6. Rais ‘Aam of PB Nahdhatul Ulama 2015-2020.

7. Chairman of BPH National Sharia Board 2010-2015.

8. Chairman Majelis Ulama Indonesia (MUI) 2015-2020.

9. Chairman of BPH National Sharia Board 2015-2020.

10. Chairman of Sharia Supervisory Board - Bank Syariah Mega Indonesia (active).

11. Chairman of Sharia Supervisory Board - BNI Syariah (active).

12. Member of Sharia Supervisory Board - PT BNI Life Insurance.

13. Member of Sharia Supervisory Board - PT Asuransi Jiwa Beringin Jiwa Sejahtera. Ex-Officio Member of Sharia Financial Services Development Committee (KPJKS) at the Indonesia Financial Services Authority (OJK) (2014-present).

Bank Muamalat 2015 Annual Report 543

Profil Dewan Pengawas Syariah Sharia Supervisory Board’s Profile

Warga negara Indonesia, lahir pada tahun 1931. Memperoleh gelar PhD pada tahun 1989 dan sekarang ini adalah seorang Profesor (Guru Besar) di Universitas Islam negeri Syarif Hidayatullah, Jakarta. Beliau memiliki

50 tahun pengalaman mengajar, mulai dari menjadi pengajar di Madrasah Tsanawiyah, Sekolah Mengajar Islam (PGA) sampai menjadi dosen di beberapa perguruan tinggi di Indonesia. Beliau juga pernah menjabat sebagai Ketua Komisi Dakwah MUI pada thaun 1999. Amanah yang masih dipercayakannya hingga saat ini adalah:

1. Anggota Dewan Pengawas Syariah (DPS) PT Al-Ijarah Finance Indonesia.

2. Ketua Dewan Pengawas Syariah (DPS) PT. BII Finance Centre. Indonesian citizen, born in 1931. Obtained a PhD degree in 1989 and

is currently a teaching Professor at Universitas Islam Negeri Syarif Hidayatullah, Jakarta. He has had over 50 years of teaching experience at various institutions, from Madrasah Tsanawiyah, Islamic Teaching School (PGA), and as lecturer at a number of universities in Indonesia. He has also served as Chairman of Komisi Dakwah - MUI, in 1999. At present, he hold concurrent positions as:

1. Member of the Sharia Supervisory Board - PT Al-Ijarah Finance

Prof. Dr. H. Muardi Chatib

Indonesia.

Anggota

2. Chairman of the Sharia Supervisory Board - PT BII Finance Centre. Member

Warga negara Indonesia, lahir pada tahun 1937. Memperoleh gelar PhD di bidang hukum Islam dari Universitas Hasanuddin, Makassar. Beliau memulai karir akademis sebagai pengajar di Institut Agama Islam Negeri dan beliau menjabat sebagai Dekan Fakultas Ushuluddin dan Fakultas Syariah hingga kemudian beliau diangkat menjadi Direktur Sekolah Agama Islam dan Direktur Pendidikan Kader Ulama. Beberapa amanah pernah dipegangnya, yaitu:

1. Anggota DPRD Perwakilan Sulawesi Selatan di tahun 1987-1992.

2. Anggota DPR RI pada tahun 1987-1999.

3. Ketua Chapter Sulawesi Selatan dari Dewan Ulama Indonesia.

4. Ketua Dewan Ulama Indonesia.

5. Wakil Ketua Majelis Ulama Indonesia.

6. Anggota Dewan Pengawas Syariah PT. Al-Ijarah Indonesia Finance (Alif).

7. Ketua Dewan Pengawas PT Reasuransi Internasional Indonesia. Indonesian citizen, born in 1937. Obtained a PhD degree in Islamic Laws

from Universitas Hasanuddin, Makassar. Pursued an academic teaching career including as lecturer at Institut Agama Islam Negeri, as the Dean of Ushuluddin Faculty and Syariah Faculty, and as Director of Islam Religious

Prof. Dr. H. Umar Shihab

Anggota School and Director of Ulemma Candidate Teaching School. Member

He had been entrusted to serve in various positions, such as:

1. Member of Regional Representative Council - South Sulawesi (1987- 1992).

2. Member of the House of Representative (1987-1999).

3. Chairman of South Sulawesi Chapter of Dewan Ulama Indonesia.

4. Chairman of Dewan Ulama Indonesia.

5. Deputy Chairman of Majelis Ulama Indonesia.

6. Member of Sharia Supervisory Board - PT Al-Ijarah Indonesia Finance.

7. Chairman of Supervisory Board - PT Reasuransi Internasional Indonesia.

544 Bank Muamalat Laporan Tahunan 2015

At a Glance Report to Shareholders Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility

Profil Anggota Komite Corporate Data

Members of Committees Profile

KOMITE AUDIT | AUDIT COMMITTEE Anwar Nasution

Profil disajikan pada halaman 532-533

Ketua

The Profile is presented in page 532-533

Chairman

Saleh Ahmed Al-Ateeqi

Profil disajikan pada halaman 536

Anggota

The Profile is presented in page 536

Member

Iggi H. Achsien

Profil disajikan pada halaman 534

Anggota

The Profile is presented in page 534

Member

Warga Negara Indonesia yang dilahirkan di Tegal 25 Maret 1954, merupakan Lulusan Fakultas Ekonomi Universitas Indonesia tahun 1987. Sebelum menjabat sebagai Anggota Komite Audit PT Bank Muamalat Indonesia Tbk sejak Mei 2015, beliau telah berpengalaman di industri perbankan bidang operasional maupun internal audit di PT Bank Mandiri (Persero) Tbk maupun sebagai Kepala Divisi Internal Audit pada PT Bank Mutiara Tbk.

Disamping itu beliau juga aktif sebagai pengurus Ikatan Auditor Intern Bank (IAIB) dan sebagai Assessor Bidang Internal Audit di bawah naungan Badan Nasional Sertifikasi Profesi (BNSP).

Indonesian citizen, born in Tegal, March 25 1954, he has passed Bachelor’s degree from Faculty of Economics University of Indonesia on 1987. Before joined as Audit Committee Member of PT Bank Muamalat Indonesia Tbk since May 2015, he has experiences in banking industry in operational and internal audit of PT Bank Mandiri (Persero) Tbk, also as Internal Audit Division Head of PT Bank Mutiara Tbk.

Achmad Arifin

Beside that he active in Organization of Banking Internal Audit (IAIB) as Anggota

well as Assessor of Internal Auditor under National Board of Profession Member

Sertification (BNSP).

Bank Muamalat 2015 Annual Report 545

Profil Anggota Komite Members of Committees Profile

KOMITE PEMANTAU RISIKO | RISK OVERSIGHT COMMITTEE Emirsyah Satar

Pengunduran diri Emirsyah Satar telah disetujui oleh RUPS Ketua

Tahunan tanggal 3 Juni 2015

Chairman The resignation of Emirsyah Satar was approved by the Annual GMS on June 3, 2015

Saleh Ahmed Al-Ateeqi

Profil disajikan pada halaman 536 Anggota

The Profile is presented in page 536 Member

Anwar Nasution

Profil disajikan pada halaman 532-533 Anggota

The Profile is presented in page 532-533 Member

KOMITE REMUNERASI DAN NOMINASI | REMUNATION AND NOMINATION COMMITTEE Anwar Nasution

Profil disajikan pada halaman 532-533 Ketua

The Profile is presented in page 532-533 Chairman

Profil disajikan pada halaman 534 Anggota

Iggi H. Achsien

The Profile is presented in page 534 Member

Ayuoob Akbar Qadri

Profil disajikan pada halaman 537 Anggota

The Profile is presented in page 537 Member

Sultan Mohammed Hasan Abdulrauf

Profil disajikan pada halaman 535 Anggota

The Profile is presented in page 535 Member

Gatot BS. Sarosa

Profil disajikan pada halaman 548 Anggota

The Profile is presented in page 548 Member

PROFIL SEKRETARIS PERUSAHAAN | CORPORATE SECRETARY PROFILE Ali Akbar Hutasuhut

Profil disajikan pada halaman 307 Sekretaris Perusahaan

The Profile is presented in page 307 Corporate Secretary

546 Bank Muamalat Laporan Tahunan 2015

At a Glance Report to Shareholders Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility

Profil Pejabat Eksekutif Corporate Data

Executive Officers’ Profile

1. Adi Haryadi

1. Adi Haryadi