PENERAPAN PRINSIP KEHATI-HATIAN (PRUDENTIAL BANKING PRACTICES)
VI. PENERAPAN PRINSIP KEHATI-HATIAN (PRUDENTIAL BANKING PRACTICES)
Disadari bahwa dengan semakin berkembangnya Bank Syariah Mandiri (BSM) maka tuntutan dari stakeholders akan kepastian pengelolaan BSM sebagai lembaga "kepercayaan" perbankan syariah
human resources was 959, increased 32.8% from 722 employees in the end of the year 2001. The employment composition in the year 2002 consists of 317 (33%) at the Head Office and 642 (67%) in 29 branch offices, 2 supporting branch offices, and 10 cash offices (in average 16/office). This is the consequence of the business expansion of BSM in various regions.
To improve employees' professionalism and productivity, various education and training
sessions have been conducted to develop knowledge base for the new employee and to improve the employee proficiency in general, in order to support the growing of operational activities of the bank.
The rewards are given as annual bonus based on appraisal, haj pilgrimage cost, doctoral scholarship, and the increase of welfare through the business unit of BSM
Employee Cooperation “Sakinah”. The human resource management policy is focused
on guiding and developing professional employees based on the akhlaqul karimah principles by implementing the corporate culture as summed up in the SIFAT (Siddiq, Istiqomah, Fathonah, Amanah, and Tabligh).
V. BRANCH AND INFORMATION TECHNOLOGY NETWORK
A. Branch and Business Partner Network
Throughout the year 2002 7 new Branch Offices, 4 Supporting Branch Offices, and 7 Cash Office were opened, so that the number of branch offices become 30 throughout 17 Provinces in Indonesia, namely DKI Jakarta (6 offices), West Java (4 offices, in Bandung, Bogor, Bekasi, and Cirebon), Central Java (2 offices, in Pekalongan and Solo), DIY Yagyakarta, East Java (3 offices, in Surabaya, Pamekasan, and Malang), Banten (2 offices, in Tangerang and Cilegon), West Nusa Tenggara (in Mataram), Nanggroe Aceh Darussalam (2 offices, in Banda Aceh dan Simeulue), North Sumatera (2 offices, in Medan and Rantau Prapat), West
Sumatera (in Padang), Riau (Pekanbaru), South Sumatera (in Palembang), Jambi (in Jambi), South Kalimantan (in Banjarmasin), West Kalimantan (in Pontianak), East Kalimantan (in Balikpapan), and South Sulawesi (in Makassar), and 4 Supporting Branch Offices and 13 Cash Offices.
In addition to branch network expansion, business access expansion and business synergy are also bolstered through cooperation with numerous parties to improve socialization, distribution of financing, and public fund increment.
B. Information Technology
Information technology development in 2002 is directed towards improvement in the ability of customer service system, development of information technology support in product
development and improvement in technology-based MIS.
In compliance with that direction, some steps have been realized, as follows:
1. Progress in paying transaction of Telkom, Satelindo, IM3, Rate- lindo, via teller or via ATM.
2. P r o g r e s s i n A T M facilities, by the joining of
a b o u t 1 2 0 0 AT M
Mandiri network.
3. Progress in SMS Banking Application.
4. Progress in Signature Verification System (SVS) facility.
5. Implementation of Real Time Gross Settlement (RTGS) in 17 branches of Bank Syariah Mandiri
6. And upgrading of TI infrastructure, improvement of system and procedure.
The year 2003 is stated as the year of progress in the technology-based customer service products, such as Phone Banking, Debit Card Syariah, Credit Card Syariah, and increase of ATM facilities and feature,
e.g. by joining the ATM Himbara network.
VI. PRUDENTIAL BANKING PRACTICES It is realized that with the ongoing development of
Bank Syariah Mandiri (BSM), the stakeholders’ demand for the certainty of BSM management as the institution of “truth” namely the sharia banking to operate prudently has become a must and unevitable. In line with that, BSM during the year
The prospects for the year 2003 will be marked by agar beroperasi secara prudent menjadi suatu
yang diperkirakan dapat mencapai 4,50% - 5,0%.
macro-economic conditions as influenced by the keharusan dan tidak dapat dihindari.Sejalan
2002 has taken the positive, proactive, and real
Untuk itu, tahun 2003 Bank Syariah Mandiri
economic recovery process and the economic dengan hal tersebut, BSM selama kurun waktu
steps, namely by:
menetapkan Strategi Dasar Aggressive
growth which is estimated by Bank Indonesia's tahun 2002 telah mengambil langkah-langkah
1. Upholding the principles of good corporate
Maintenance, yang bertumpu pada 6 bidang,
assumptions to grow by 4.50% - 5.00%. In view of positif, proaktif dan nyata, yaitu dengan:
governance through commitment of
meliputi bidang pengelolaan pembiayaan,
commissioners and directors by practicing the
pengelolaan dana masyarakat, fee base income,
this, PT. Bank Syariah Mandiri for the year 2003 will
1. Menegakkan prinsip-prinsip good corporate
adopt Aggressive Maintenance Basic Strategy which governance melalui komitmen pihak komisaris
rules, principles, and duties to be obeyed by all
pendukung, good corporate governance, dan
relies on 6 fields encompassing marketing, control, dan direksi dengan penerapan peraturan,
the lines in BSM. This consists the principles of
permodalan.
human resource, infrastructure and technology. kaidah dan kewajiban yang harus dipatuhi oleh
justice, transparency, and openness,
accountability, and responsibility. While, the
Dengan langkah-langka strategis tersebut, PT Bank
seluruh jajaran BSM, hal mana mencakup
implementation of duty performing ethics
Syariah Mandiri diharapkan dapat tumbuh
prinsip keadilan, transparansi dan keterbukaan,
With such strategic steps, PT. Bank Syariah Mandiri is akuntabilitas dan
sekurangnya 86,96% pada akhir tahun 2003
expected to grow at least by 86,96% by the year-end responsibilitas.
dengan tingkat kesehatan tetap pada predikat
of 2003 with another predicate as a FINANCIALLY Sedangkan
bank SEHAT.
SOUND bank.
implementasi etika pelaksanaan tugas
VIII. KEJADIAN-KEJADIAN PENTING
(mengatur hal-hal
VIII. SIGNIFICANT EVENTS yang boleh dan tidak
boleh dilakukan)
Sebagai tindaklanjut keputusan Rapat Umum
dibuat kesepakatan
In follow-up-up to the decision of the extra ordinary tersendiri antara
Pemegang Saham Luar Biasa (RUPSLB) PT. Bank
share holders meeting of PT. Bank Syariah Mandiri jajaran manajemen
Syariah Mandiri pada tanggal 22 Agustus 2002,
on August 22, 2002, the share holders hat pointing dan pegawai dalam
para pemegang saham telah menetapkan susunan
the new board of management for 2002-2005 that bentuk code of
pengurus perseroan tahun 2002-2005 yang terdiri
dari:
consist of:
conduct.
2. M e n i n g k a t k a n
Dewan Komisaris
kepatuhan terhadap ketentuan Bank Indonesia
(regulate the right and wrong thing to do) is
Presiden Komisaris : Zainul Arifin
The Board of Commissioners
antara lain dengan menetapkan direktur
: Zainul Arifin kepatuhan yang independen dan tidak
stated in separate agreement between the
Komisaris
: Sofyan Syafei Harahap
Chairman
: Sofyan Syafei Harahap merangkap aspek operasional maupun ruang
management and employees as code of
Komisaris
: A. Noor Ilham
Commissioner
: A. Noor Ilham lingkup lain yang dilarang oleh Bank Indonesia.
conduct.
Commissioner
2 Improving the compliance to Bank Indonesia
Direksi
3. Memastikan tidak ada pelanggaran prinsip
e.g. by appointing the compliance director
Presiden Direksi
: Nurdin Hasibuan
The Board of Directors
kehati-hatian-Prudential banking Practices
President Director : Nurdin Hasibuan (CAR, BMPK, PDN, KAP, PPAP) di mana
that is independent and shares no operational
Direktur
: Nana Mugiana Somantri
: Nana Mugiana Somantri pemenuhannya dilaporkan secara berkala ke
aspects nor any other scopes forbidden by Bank
Direktur
: Iskandar Zulkarnaen Rangkuti
Director
: Iskandar Zulkarnaen Rangkuti Bank Indonesia.
Indonesia.
Direktur
: Muhammad Haryoko
Director
3. Making sure that the is no violation to the
Direktur
: Akmal Azis
Director
: Muhammad Haryoko
4. Membuat berbagai ketentuan/panduan kerja
: Akmal Azis internal antara lain surat edaran bagi seluruh
priciples of Prudential banking Practices (CAR,
Director
BMPK, PDN, KAP, PPAP), of which fulfillment is
jajaran operasional BSM yang memandu
regularly reported to Bank Indonesia.
IX. PENUTUP
kewaspadaan (warning) atas pokok-pokok
penyimpangan maupun peningkatan praktek
4. Releasing various internal work guidance e.g.
IX. CLOSING
letters for all operational lines of BSM that warn
Prestasi tahun 2002 yang ditandai pencapaian laba
perbankan yang prudent.
about main points of misconduct, or the
sebesar Rp 29.06 milyar, meningkat dari tahun
The achievement of the year 2002, as marked by
5. Menerapkan kebijakan prinsip mengenal nasabah (know your customers) dan anti tindak
improvement of prudent banking practices.
2001 sebesar Rp. 16.7 milyar. Perolehan predikat
profits of IDR 29,06 billion, increase from year 2001
at IDR 16,7 billion, as a pidana pencucian uang (money laundering)
SEHAT sesuai ketentuan
SOUND bank predicate dalam upaya mendukung kebijakan pemerintah
5. Practicing the policy of ‘know your customers’
dan penilaian Bank
in conformity of the (BI dan UU) memerangi pelaku kejahatan di
principle and against the money laundering
Indonesia, serta menjadi
Bank Indonesia criteria, bidang perbankan melalui pencucian uang.
crime in supporting the government (Bank
salah satu bank dalam
Indonesia dan laws) policy of fight against the
kategori SANGAT BAGUS
and elected as one of
6. Disamping itu memastikan pembuatan
the VERY GOOD ketentuan operasional (Standard Operating
criminals in the banking field through money
Versi Majalah INFOBANK,
BANKS categorized by Procedure-SOP) yang harus pula mengacu
laundering. merupakan dasar yang
INFOBANK magazine, kepada fatwa Dewan Syariah Nasional (DSN).
6. Also ensuring the making of Standard
penting dalam rangka
Operating Procedure-SOP that must also in
mewujudkan visi dan misi
altogether have laid
accordance to the instruction of National Sharia
perusahaan. Kinerja ini
out a solid foundation
VII. PROSPEK
Board (Dewan Syariah Nasional - DSN).
bukan hanya pada aspek
for materializing the
corporate vision and Prospek tahun 2003 akan ditandai oleh kondisi
finansial, melainkan juga
mission. This makro ekonomi yang dipengaruhi proses
VII. PROSPECT
terhadap tanggung jawab
pemulihan dan pertumbuhan ekonomi nasional
40 laporan direksi ! !report from the board of directors laporan direksi !report from the board of directors ! 41 40 laporan direksi ! !report from the board of directors laporan direksi !report from the board of directors ! 41
performance is not only on financial term, but also
keadilan ekonomi dan kemakmuran masyarakat
on social responsibility with the concern for
yang bermuara pada ketentraman dan stabilitas
achieving economic justice and public welfare
sosial politik.
which is referring to the social-political peace and
tanggung jawab laporan keuangan
stability.
responsibility of financial statements
Prestasi ini terwujud berkat dedikasi jajaran manajemen dan seluruh karyawan, serta dukungan
All achievement have been materialized by the
pemegang saham, para nasabah dan mitra usaha,
dedication of management along with all staff, the
Bank Indonesia dan berbagai pihak lainnya. Oleh
support form share holder, customers, and
karena itu, kepada semua pihak, Direksi dengan
business partners, Bank Indonesia and numerous
tulus ikhlas menyampaikan terima kasih dan
This Annual Report and the accompanying penghargaan yang setinggi-tingginya.
other parties. For this reason, to all parties, the
Laporan tahunan ini, beserta seluruh laporan
Board of Directors express the highest
keuangan dan lain-lain informasi keuangan yang
financial statement and realted financial
information, are the responsibility of the Semoga Allah SWT senantiasa memberikan
thankfulness and appreciation.
terkait, adalah tanggung jawab manajemen
management of PT Bank Sharia Mandiri, and have kemudahan dalam mewujudkan PT Bank Syariah
PT Bank Syariah Mandiri, dan telah disetujui oleh
been approved by members of the Board of Mandiri Menjadi Bank Syariah Terpercaya Pilihan
May Allah SWT always bless us in our effort to
Direksi dan Dewan Komisaris yang
Directors and the Board of Commisssioners whose Mitra Usaha. Amin.
make PT Bank Syariah Mandiri as the Most Reliable
tandatangannya tercantum di bawah ini.
Sharia Bank as the Prime Choice of Business
signature appear below.
Partners. Amen.
Jakarta 25 April 2003
Jakarta, 25 April 2003 Jakarta, 25 April 2003 DIREKSI | THE BOARD OF DIRECTORS
Nurdin Hasibuan
Presiden Direktur | President Directors
Nana M. Somantri
Akmal Aziz
Muhammad Haryoko
Iskandar Z. Rangkuti
Direktur | Directors
Direktur | Directors
Direktur | Directors
Direktur | Directors