LAPORAN DEWAN KOMISARIS BRANCH MANAGER PROFILE

I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 42 yang tidak sepenuhnya kondusif, namun hampir seluruh pos-pos laporan keuangan mengalami pertumbuhan di atas angka pertumbuhan rata- rata perbankan secara nasaional. Pada tahun 2015 aset Bank Dinar tumbuh 26,33 sementara rata-rata perbankan nasional aset tumbuh 9,21, kredit tumbuh 32,72 rata-rata perbankan 10,40 , Dana Pihak Ketiga DPK tumbuh 22,13 sedang rata-rata perbankan 7,27. Dan, yang cukup menggembirakan adalah pertumbuhan laba setelah pajak 356,50 sementara perbankan secara nasional mengalami penurunan -6,72. Pencapai Kinerja Direksi tahun 2015 terhadap target-target yang ditetapkan relatif seluruhnya terlampaui seperti target aset per akhir tahun 2015 sebesar Rp1.802.500 juta sementara pencapaiannya sebesar Rp2.073.670 juta, target kredit sebesar Rp1.100.000 juta pencapaiannya adalah Rp1.136.823 juta, target Dana Pihak Ketiga adalah sebesar Rp1.350.000 juta sedang realisasinya Rp1.470.891juta. Untuk laba setelah pajak targetnya Rp11.675 juta, realisasinya sebesar Rp14.019 juta. Tata Kelola dan Manajemen Risiko Memperhatikan pertumbuhan ekonomi beberapa tahun belakangan yang masih diwarnai perlambatan dan ketidakpastian tentulah memerlukan penerapan kehati-hatian yang lebih seksama dalam setiap pengambilan keputusan bisnis. Dewan Komisaris senantiasa berpesan kepada Direksi untuk mengkaji dari berbagai sisi risiko dalam setiap pengambilan keputusan serta ketersediaan aspek mitigasinya. Dalam menjalankan tugasnya Dewan Komisaris dibantu oleh tiga komite, yaitu Komite Audit, Komite Pemantau Risiko dan Komite Nominasi dan Remunerasi. Masing-masing komite bekerja secara independen sesuai bidang tugasnya dan selanjutnya memberikan rekomendasi kepada Dewan Komisaris untuk penyempurnaan tata kelola yang dijalankan Direksi. Komite Audit bertugas membantu Dewan Komisaris untuk memastikan efektivitas sistem pengendalian condition. But almost all post is increasing above the average increasing in banking. The assets in 2015 was increasing as much as 26.33 above the national average as much as 9.21. Loan was also increasing as much as 32.72 while national average was 10.40. Third Party Fund was increased 22.13 while the national growth only 7.27. And the most satisfying was income in 2015 was increased 356.50 while the national was decreasing as much as -6.72. Director perform 2015 was exceed from the set target. Assets was targeted as much as Rp1,802,500 million while the achievement was Rp2,073,670 million, loan target was Rp1,100,000 million and the achievement was Rp1,136,823 million, Third Fund Party target was Rp1,350,000 million, while the achievement was Rp1,470,891 million, and profit after tax target was Rp11,675 million and the achievement was Rp14,019 million. Good Governance and Risk Management Noticing the growth a few back years that still tingled with slow down and uncertainty needs a highly prudence in every business decision. Board of Commissioners always advice Board of Directors to review all risk aspect from all side in every decision also mitigation adequacy aspect. To run the job Board of Commissioners was helped by three committee which are Audit Committee, Risk Monitoring Committee, and Remuneration and Nomination Committee. Each committee work independently in each aspect and gave recommendation to Board of Commissioners to perfected Good Governance run by Board of Directors. Audit Committee is to help Board of Commissioners to reassure affectivity of Internal Control System and internal and external Auditor duty. Risk Monitoring Committee is to evaluate all the accordance between Bank Risk Management policy, support bank risk management