36,205,800,000 Southeast Minahasa Regency Government

Obligasi Bank Pembangunan Sulawesi Utara I diterbitkan tahun 1990 dengan nilai nominal sebesar Rp10.000.000.000 dengan tingkat bunga tetap per tahun sebesar 17. Obligasi ini telah jatuh tempo dan dilunasi tanggal 20 April 1995. Obligasi Bank Pembangunan Sulawesi Utara II diterbitkan tahun 1993 dengan nilai nominal sebesar Rp20.000.000.000 dengan tingkat bunga tetap per tahun sebesar 15.Obligasi ini telah jatuh tempo dan dilunasi tanggal 30 Desember 1998. Obligasi Bank SulutGo III diterbitkan tanggal 29 April 2005 dengan nilai nominal sebesar Rp200.000.000.000 dengan tingkat bunga tetap per tahun sebesar 12,75. Obligasi ini memiliki jangka waktu lima tahun yang berakhir pada tanggal 12 Mei 2010. Obligasi ini telah dilunasi. Menunjuk surat PT Bank Pembangunan Daerah Sulawesi Utara “Emiten” No. 400ADIRIV2010 tanggal 1 April 2010 dan No. 197ADIRIV2010 tanggal 6 April 2010 perihal Permohonan Pencatatan Efek Bersifat Utang dan surat PT Bursa Efek Indonesia ”BEI” No. S-02106BEI.PPS04- 2010 tanggal 9 April 2010 perihal Persetujuan Pencatatan Obligasi Bank SulutGo IV Tahun 2010 DenganTingkat Bunga Tetap dan Obligasi Subordinasi Bank SulutGo I Tahun 2010 Dengan Tingkat Bunga Tetap, Bank telah menerbitkan Obligasi Bank SulutGo IV sebesar Rp390.000.000.000 dengan tingkat bunga tetap per tahun sebesar 12 dan Obligasi Subordinasi Bank SulutGo I sebesar Rp10.000.000.000 dengan tingkat bunga tetap sebesar 12,20. Obligasi ini memiliki jangka waktu lima tahun yang berakhir pada tanggal 9 April 2016. Bank SulutGo per-Oktober tahun 2015 mengeluarkan Obligasi yaitu, Obligasi Bank SulutGo V Tahun 2015 Dengan Tingkat Bunga Tetap. Nilai Emisi Rp750.000.000.000,- dengan tingkat Bunga Tetap sebesar 11,90 per tahun. Tanggal Penerbitan 9 Oktober 2015. Jatuh tempo 9 Oktober 2019. Pembayaran Bunga setiap 3 tiga bulan. Hasil Pemeringkatan Fitch Rating Indonesia A, Wali Amanat PT Bank BNI Persero Tbk 1st Bonds of North Sulawesi Regional Development Bank was published in 1990 with a nominal value of Rp10,000,000,000 with ixed interest rate of 17 per year. This obligation has matured and settled dated 20 April 1995. 2nd Bonds of North Sulawesi Regional Development Bank was issued in 1993 with a nominal value of Rp20,000,000,000 with ixed interest rate of 15 per year. This obligation has matured and settled on 30 December 1998. 3rd Bonds of Bank SulutGo was issued on 29 April 2005 with a nominal value of Rp200,000,000,000 with ixed interest rate of 12.75 per year. The bonds have a term of ive years ending on May 12, 2010. The bonds have been repaid. Referring to letter of PT North Sulawesi Regional Development Bank Issuer No. 400 A DIR IV 2010 dated April 1, 2010 and No. 197 A DIR IV 2010 dated April 6, 2010 regarding Application for Listing of Debt Securities and letter of PT Bursa Efek Indonesia BEI No. S-02106 BEI.PPS 04- 2010 dated April 9, 2010 concerning Approval of 4th Bond Bank SulutGo Recording Year 2010 With Fixed Rate and Subordinated 1st Bonds of Bank SulutGo Year 2010 With Fixed Interest Rate, the Bank has issued 4th bond of Bank SulutGo amounted to Rp390,000,000,000 with a ixed annual interest rate of 12 and Subordinated 1st Bonds of Bank SulutGo amounted to Rp.10,000,000,000 with a ixed interest rate of 12.20. The bond has a term of ive years ended on April 9, 2016. Bank SulutGo as of October 2015 has issued the bonds, the 5th Bonds of Bank SulutGo Year 2015 With Fixed Interest Rate. Emission value of Rp750 billion, - with Fixed Interest rate of 11.90 per year. Publication Date on October 9, 2015. The maturity date of October 9, 2019. Payment of interest every 3 three months. Results Ranking Fitch Rating Indonesia A, Trustee PT Bank BNI Persero Tbk Ikhtisar Efek Lainnya Other Marketable Securities Summary 161 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 DKI JAKARTA Surabaya Malang JAWA TIMUR P . MADURA Jaringan Kantor Office Network 162 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Manado SULAWESI UTARA NORTH SULAWESI GORONTALO Gorontalo 163 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Jaringan Kantor Office Network Kantor Cabang Branch Alamat Address KC Utama Jl. Sam Ratulangin No. 9 Manado 95111 Telp. 0431 861759, 861761 Fax 0431854522 KC Jakarta Plaza Gani Djemat Jakarta Pusat Jl. Imam Bonjol No 76-78 Jakarta Pusat Telp.021-3902911,3902912 Fax.021- 3903633 KC Gorontalo Jl. M.T. Haryono No. 18 Telp. 0435 822616, 824650 Fax 0435 823067 KC Surabaya Jalan Diponegoro No. 77 Surabaya Jawa Timur Telp. 031-5677768 Fax. 031-5618664 KC Kotamobagu Jl. A. Yani no. 187 Kotamobagu Telp. 0434 21058, 21250 Fax 0434 22155 KC Tahuna Jl. DR. Sutomo No. 60 Telp. 0432 21179,21391 Fax 0432 22251 KC Bitung Jl. Yos Sudarso No. 1312 Telp. 0438 21011,21218 Fax 0438 30492 KC Kawangkoan Cabang Kawangkoan Jl. Raya Kawangkoan, Telp: 0431 371080, 371121; Fax: 0431 371400 KC Limboto Cabang Limboto Jl. Mayor Dullah No. 1, telp: 0435 881440, 881012; Fax: 0435 881067 KC Tondano Cabang Tondano Jl. Tountemboan, telp: 0431 321637, 321438; Fax: 0431 322512 KC Tomohon Cabang Tomohon Jl. Raya Tomohon Kota Tomohon,Telp: 0431 - 351381; Fax: 0431 - 353086 KC Marisa Cabang Marisa Jl. Trans Sulawesi No. 12a; Telp: 0443 210033, 210252, Fax : 0443 210489 KC Calaca Cabang Calaca Jl. Sisingamangaraja No. 23 Manado, Telp: 0431 862506, 850924, Fax: 0431 850924 KC Amurang Cabang Amurang Kel. Ranoyapo Lk. IV Amurang Kab. Minsel, Telp: 0430 21313; Fax: 0430 21733 KC Tilamuta Cabang Tilamuta jl. Ade Irma Suryani Nasution,Desa Hungayonaa Kec. Tilamuta Telp: 0443-210749 ; Fax : 0443- 211079 KC Airmadidi Cabang Airmadidi Jl. Raya Manado-Bitung Kel. Sarongsong 1; Telp: 0431 - 891012, Fax: 0431 - 891815 KC Melonguane Jl. Dalam Kota Kel. Melonguane Barat Lingk 1 Kec. Melonguane - Kab. Kepulauan Talaud; Telp: 081241948420 KC Ratahan Desa Tosuraya Kec Ratahan Kab. Minahasa Tenggara Telp.0431-3174518 Fax. 0431-3174448 KC Tutuyan Jl. Raya Trans Sulawesi Lingkar Selatan-Tutuyan Telp. 0431-3177820 Fax. 0431-3177746 KC Lolak Jl. Trans Sulawesi Desa Mongkoinit Kec.Lolak Kab.Bolaang Mongondow Telp. 0434-2626147 Fax. 0434-2626147 KC Molibagu Jl. Trans Sulawesi Lingkar Selatan-Desa Molibagu Kec.Bolaang Uki Kab.Bolaang Mongondow Selatan Telp. 0434- 2629445, Fax. 0434-2629446, 2626122 KC Boroko Jl. Trans Sulawesi-Boroko Kec. Kaidipang Kab. Bolaang Mongondow Utara Telp. 08114303566 KC Siau Kel. Tarorane Kec. Siau Timur Kab. Sitaro Telp. 0432-310506 Fax. 0432-310300 KC Suwawa Jl. Pasar Minggu No.80 Desa Bube Kec. Suwawa Kab. Bone Bolango Telp. 0435-827318, 824577 Fax. 0435- 8591533 KC Kwandang Kel. Moluo Kec. Kwandang Kab. Gorontalo Utara Telp. 0442-310319 Fax. 0442-310320 KC Malang Jl. Semeru No.23-Malang Telp. 0341-353360, 353361 Fax. 0341-353362 Kantor Cabang Pembantu Sub Branch Alamat Address KCP Lirung Komp. Pertokoan Lirung Kec. Lirung Kab. Talaud Telp. 0433-311384 Fax. 0433-311385 KCP KELAPA GADING Jl. Boulevard Raya Blok TA 219 Kelapa Gading Jakarta Telp.021-45847964 Fax. 021-4534453 KCP Cempaka Putih Kawanua Aerotol Jl. Cempaka Putih Raya No.120 Kantor penghubung pemerintah Provinsi Sulawesi Utara Telp. 021-4248768,4267090 Fax. 021-4266394 KCP Mangga Dua Ruko Tekstil Jl. Mangga Dua Raya Blok C6 No.7 Telp. 021-6123590,6123591 Fax. 021-6121059 KCP Popayato Jl. Raya Trans Sulawesi-Desa Maleo Kab.Pohuwato Telp. 082195380080 KCP Pasar Sentral Jl. Patimura No. 19 Kel. Limba U Kec. Kota Selatan Kota Gorontalo Telp. 0435-825444 KCP Tagulandang Kompleks Pasar 66 Desa Balehumara, Kec Tagulandang, Kab. Kepulauan Siau Tagulandang Biaro Telp. 0432- 330345 Fax. 0432-330456 KCP Tuminting Jl. Santiago No.2 Kel.Tuminting Manado Telp. 0431-872238 Fax. 0431 -872239 KCP Likupang Komp.Pertokoan Likupang, Desa Likupang II Kec.Likupang Timur Minut Telp. 0431-8894116 Fax. 0431-8894115 164 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Kantor Cabang Pembantu Sub Branch Alamat Address KCP Pasar Segar Paal Dua Jln. Yos Sudarso Kel. Paal Dua , Kec. Tikala , Kota Manado Telp. 0431-840162 Fax. 0431-840163 KCP Paguat Jln. Trans Sulawesi Kelurahan Pentadu Kec. Paguat Kab. Pohuwato Prov. Gorontalo Telp. 0811 4322 533 KCP Motoling Jl. Raya Motoling, Desa Motoling Jaga I Kecamatan Motoling Kab. Minahasa Selatan Telp.0430-2427048 Fax. 0430-2426355 KCP Randangan Jl. Raya Trans Sulawesi Desa Motolahu Kec. Randangan Kab. Pohuwato - Provinsi Gorontalo KCP Tolangohula Jl. Pabrik Gula Desa Sukamamur Kec. Tolangohula Kab. Gorontalo - Provinsi Gorontal KCP Langowan Jl. Raya Amongena No.205 Komp. Pertokoan Langowan, Desa Wolaang Timur Kec. Langowan Timur Kab. Minahasa Telp. 0431-371780 KCP Manembo-Nembo Jl. Raya Manado-Bitung,Kel. Manembo-nembo, Kec. Matuari Kota Bitung Telp. 0438-35186 KCP TELAGA Jl. A. A. Wahab Desa Bulila Kecamatan telaga Kabupaten Gorontalo - Provinsi Gorontalo Telp. 0435-838093 KCP Tamako Jl. Raya Nagha Satu Desa Nagha Satu Kec. Tamako Kab. Sangihe Provinsi Sulawesi Utara KCP Bahu Kompleks Ruko Bahu Mall blok S 14 Jl. Wolter Mongisidi Kel. Bahu Kec. Malalayang Kota Manado KCP Ranotana Jl. Sam Ratulangi No. 432 Kel. Ranotana Kec. Sario Kota Manado Telp. 0431-822000 KCP Paguyaman Jl. Trans Sulawesi Desa Molumbulahe Kec. Paguyaman Kab. Boalemo Cp. 081340279580 KCP Sam Ratulangi Jl. Sam Ratulangin No. 27 Manado 95111 Telp. 0431 840546 KCP Beo Jl. Larenggam Kelurahan Beo Timur Kecamatan Beo Kabupaten Kepulauan Talaud Tlp.0852-98215555 KCP Mopuya Komplek Pasar Mopuya Des. Mopuya Kec. Dumoga Utara Kab. Bolaang Mongondow Prov. Sulut 95772 KCP Modoinding Jl. Trans Sulawesi Des. Pinasungkulan Kec. Modoinding Kab. Minahasa Selatan Prov. Sulut 95958 Kantor Kas Cash Office Alamat Address KK Tanawangko Jl. Trans Sulawesi Desa Borgo Tanawangko KK Rsu Ratumbuysang Kompleks Rsu Ratumbuysang Jl. Bethesda KK Marina Plaza Kompleks Marina Plaza Blok C6-7 Dan Blok C20-21 Jl. Piere Tendean KK Karombasan Jl. Pasar Karombasan Manado KK Gubernur Provinsi Sulut Jl. 17 Agustus Kompleks Perkantoran Gubernur Prov. Sulawesi Utara KK Kotamobagu Timur Matali Jl. Ks Tubun Kota Kotamobagu KK Kartini Kompleks Pertokoan Kartini Kota Kotamobagu KK Inobonto Jl. Raya Trans Sulawesi Inobonto Kab. Bolaang Mongondow KK Walikota Gorontalo Jl. Nani Wartabone Kel. Biawao Kota Gorntalo KK Bupati Bonebolango Jl. Bj. Habibie Desa Wulanda Kab. Bone Bolango KK Petta Jl. Kompleks Kampung Cina Kab. Sangihe KK Pemkab Kep. Sangihe Jl. Malahasa Kompleks Kantor Bupati Kep. Sangihe KK Walikota Bitung Kompleks Kantor Walikota Bitung KK Papusungan Kompleks Terminal Penyebrangan Pulau Lembe KK Manembonembo Jl. Raya Manado Bitung Kel. Manembo-Nembo Kota Bitung KK Rumah Sakit Dunda Limboto Jl. A. Wahab Kel. Hunggaluwa Kab. Gorontalo KK Bupati Gorontalo Jl. Rauf Moo Kel. Kayubulan Kab. Gorontalo KK Bongomeme Jl. Raya Batudaa Desa Bongomeme Kab. Gorontalo KK Tataaran Jl. Raya Tondano Tomohon Kel. Tataaran Kab. Minahasa 165 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Kantor Kas Alamat KK Sonder Kompleks Pasar Sonder Kab. Minahasa KK Sasaran Kompleks Perkantoran Pemkab Minahasa KK Sinode Gmim Jl Raya Tomohon Kel. Talete Ii Kota Tomohon KK Pemkot Tomohon Jl. Slanag Kel. Kolongan Kota Tomohon KK Walikota Manado Jl. Balai Kota Kel. Tikala Kota Manado KK Tumpaan Jl. Trans Sulawesi Kompleks Pertokoan Tumpaan Kab. Minahasa Selatan KK Tareran Jl. Trans Sulawesi Rumoong Lansot Kab. Minahasa Selatan KK Pemkab Minahasa Selatan Kompleks Perkantoran Pemkab Minahasa Selatan KK Ondong Kompleks Kantor Bupati Sitaro KK Kalawat Jl. Raya Manado - Bitung Kel. Kolongan Kab. Minahasa Utara KK Bupati Minahasa Utara Kompleks Kantor Bupati Minahasa Utara KK Bupati Bonebolango Jl. Bj. Habibie Kec. Suwawa Kab. Bonebolango KK Bintauna Jl. Trans Sulawesi Kel. Bintauna Kab. Bolaang Mongondow Utara KK Bupati Bolaang Mongondow Selatan Kompleks Kantor Bupati Bolaang Mongondow Selatan KK Bupati Kepulauan Talaud Kompleks Kantor Bupati Kepulauan Talaud KK Rsud Pohuwato Kompleks Rsud Tani Nelayan Desa Botubiloahu Kab. Pohuwato KK Bpkad Pohuwato Kompleks Kantor Bupati Pohuwato KK Bupati Gorontalo Utara Jl. Trans Sulawesi Kel. Molingkapoto Kab. Gorountalo Utara KK Tatelu Jl. Raya Sukur Desa Tatelu Kab. Minahasa Utara KK Wonosari Jl. Trans Sulawesi Dusun Purwojati Kab. Boalemo KK Bupati MITRA Jl. Raya Ratahan Belang Komplek Kantor Bupati Minahasa Tenggara KK Bupati BOLTIM Jl. Trans Sulawesi Lingkar Selatan Komplek Kantor Bupati Boltim KK Poigar Jl. Trans Sulawesi Des. Poigar Dua Ke. Poigar Bolmong Sulut KK Bupati BOLMONG Komplek Kantor Bupati Bolmong Des. Lolak Kec. Lolak Bolmong Sulut KK Kauditan Jl. Manado Bitung Des. Kauditan Satu Kec. Kauditan Minut Sulut KK Kabaruan Jl. Mangaran Kec. Kabaruan Talaut Sulut KK Lemito Jl. Trans Sulawesi Desa Lemito Kab. Pohuwato KK Tompaso Baru Desa Tompaso Baru Minahasa Selatan KK Mapanget Jl. Aa Maramis No.. 239A Kec. Mapanget Kota Manado KK Kotamobagu Selatan Jl. Poyowa Kecil Kec. Kotamobagu Selatan Kota Kotamobagu Payment Point Alamat Address Samsat Polda Sulut Jl. Bethesda Kompleks Polda Sulawesi Utara Samsat Dipenda Sulut Jl. 17 Agustus Kompleks Samsat Dipenda Sulut Samsat Kota Gorontalo Jl. Sudirman Kel. Wumialo Kota Gorontalo Samsat Bonebolango Jl. Nani Wartabone Desa Pauwo Kab. Bonebolango Samsat Bitung Kantor Samsat Bitung Samsat Limboto Jl. Raya Limboto Desa Pentadio Kab. Gorontalo Samsat Bonepantai Jl. Trans Sulawesi Desa Tihu Kab. Bonebolango Samsat Kwandang Jl. Trans Sulawesi Kel. Molingkapoto Selatan Kab. Gorontalo Utara Samat Tilamuta Kompleks Kantor Samsat Tilamuta Samsat Pohuwato Kompleks Kantor Samsat Marisa Samsat Kotamobagu Kompleks Perkantoran Samsat Kotamobagu 166 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Jaringan ATM Alamat ATM Kantor Pusat Jl. Samratulangi No. 9 ATM Kantor Kas Marina Kompleks Marina Plaza Jl. Piere Tendean ATM Kantor Kas Gubernur Jl. 17 Agustus Kompleks Perkantoran Gubernur Prov. Sulawesi Utara ATM Megamas Galeri ATM Megamas Manado ATM Kantor Pusat Jl. Samratulangi No. 9 ATM Kantor Kas Walikota Manado Kompleks Kantor Walikota Manado ATM Mobil Keliling ATM Kantor Pusat Jl. Samratulangi No. 9 ATM Mega Trade Center Kawasan Megamas Ruko Mtc ATM Kantor Kas Karombasan Jl. Pasar Karombasan ATM Apotik Setia Ii Jl. Samratulangi No. 133 - 135 ATM Sudirman Jl. Sudirman No. 115 ATM Tanjung Batu Jl. Samratulangi No. 59 ATM Kantor Kas Tanwangko Jl. Trans Sulawesi ATM Kk Ratumbuysang Jl. Bethesda ATM Apotik Kimia Farma Sario Jl. A. Yani No. 26 ATM Narwastu Jl. Arnold Manonutu No. 1 ATM Kantor Kas Kartini Kompleks Pertokoan Kartini ATM Kantor Cabang Kotamobagu Jl. Acmad Yani No. 187 ATM Kantor Walikota Kota Kotamobagu Kompleks Kantor Walikota Kota Kotamobagu ATM Supermarket Paris Kompleks Supermarket Paris ATM Kantor Kas Kotamobagu Timur Matali Jl. Ks Tubun ATM Cabang Pembantu Malang Jl. Letjen S. Parman No.25 ATM Cabang Gorontalo Jl. M.T Haryono No. 18 ATM Cabang Pembantu Suwawa Jl. Pasar Minggu ATM Rsud Aloe Saboe Kompleks Rsud Aloe Saboe Gorontalo ATM Karsa Utama Gorontalo Kompleks Supermarket Karsa Utama ATM Kk Walikota Gorontalo Jl. Nani Waratabone ATM Hotel Mega Zanur Gorontalo Kompleks Hotel Mega Zanur Gorontalo ATM Mall Gorontalo Kompleks Mall Gorontalo ATM Jalan Andalas Jalan Andalas ATM Kantor Cabang Tahuna Jl. Dr. Sutomo No. 60 ATM Kantor Kas Petta Jl. Kompleks Kampung Cina ATM Kantor Kas Pemkab Kep. Sangihe Jl. Malahasa Kompleks Kantor Bupati Kep. Sangihe ATM Paragon Kompleks Pertokoan Supermarket Paragon Tahuna ATM Kantor Cabang Bitung Jl. Wolter Mongonsidi No. 1312 ATM Kantor Kas Walikota Bitung Kompleks Kantor Walikota Bitung ATM Kantor Kas Manembo- Nembo Jl. Raya Manado Bitung ATM Ruko Pateten Kompleks Ruko Pateten ATM Kantor Cabang Kawangkoan Jl. Raya Kawangkoan ATM Cabang Limboto Jl. Deliana Hippi No. 1 167 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Jaringan ATM Alamat ATM Kantor Kas Telaga Jl. Raya Limboto ATM Kantor Kas Bupati Jl. Rauf Moo ATM Kas Keliling Jl. Deliana Hippi No. 1 ATM Kantor Kas Rumah Sakit Dunda Limboto Jl. A. Wahab ATM Kantor Kas Bongomeme Jl. Raya Batudaa ATM Kantor Cabang Tondano Jl. Tontemboan No.1 ATM Kantor Kas Sasaran Kompleks Perkantoran Pemkab Minahasa ATM Kantor Cabang Airmadidi Jl. Raya Manado - Bitung ATM Kantor Kas Tataaran Jl. Raya Tondano Tomohon ATM Kantor Cabang Tomohon Jl. Raya Tomohon No. 203 ATM Kantor Kas Pemkot Tomohon Jl. Slanag ATM Kantor Sinode Gmim Jl Raya Tomohon ATM Supermarket Cool Tomohon Jl. Raya Tomohon - Sonder ATM Cabang Marisa Jl. Trans Sulawesi No.12A ATM Bpkad Pohuwato Kompleks Kantor Bupati Pohuwato ATM Kantor Cabang Calaca Jl. Sisingamangaraja No. 23 ATM Rsud Teling Jl. 14 Februari Komp. Rsud Teling ATM Mutiara Paal 2 Jl. Yos Sudarso No. 25 ATM Manado Town Square Jl. Piere Tendean Komp. Manado Town Square ATM Paniki Jaya Jl. Aa. Maramis ATM Simple Mart Kompleks Simplemart ATM Lippo Plaza Jl. Aa. Maramis ATM Kimia Farma Paal 2 Jl. Martadinata ATM Kantor Cabang Amurang Jl. Trans Sulawesi ATM Kantor Kas Pemkab Mina- hasa Selatan Kompleks Perkantoran Pemkab Minahasa Selatan ATM Kantor Kas Tumpaan Jl. Trans Sulawesi ATM Capem Siau Pasar Ulu ATM Kantor Kas Ondong Kompleks Kantor Bupati Sitaro ATM Pasar Ondong Kompleks Pasar Ondong ATM Kantor Capem Lirung Kompleks Pelabuhan Lirung ATM Cabang Tilamuta Jl. Trans Sulawesi ATM Kantor Bupati Boalemo Kantor Bupati Boalemo ATM Capem Kelapa Gading Jl. Boulevard Raya Blok Ta.2 No. 19 ATM Cabang Airmadidi Jl. Raya Manado - Bitung ATM Kantor Kas Bupati Mina- hasa Utara Kompleks Kantor Bupati Minahasa Utara ATM Kantor Camat Airmadidi Jl. Raya Manado - Bitung ATM Kantor Kas Bupati Bone- bolango Jl. Bj. Habibie ATM Cabang Pembantu Kwan- dang Jl. Trans Sulawesi ATM Kantor Bupati Gorut Jl. Trans Sulawesi ATM Kantor Cabang Boroko Jl. Trans Sulawesi 168 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Jaringan ATM Alamat ATM Kantor Bupati Bolaang Mongondow Utara Kompleks Kantor Bupati Bolaang Mongondow Utara ATM Kantor Kas Bintauna Jl. Trans Sulawesi ATM Kantor Cabang Ratahan Jl. Tosuraya ATM Cabang Surabaya Jl. Diponegoro No. 77 ATM Capem Cempaka Putih Kawanua Aerotel Lt. 2 Jl Cempaka Putih Raya No. 120 ATM Capem Mangga Dua Kompleks Ruko Textil Jl. Mangga Dua Raya Blok C67 ATM Kantor Cabang Tutuyan Jl. Trans Sulawesi Lingkar Selatan ATM Kantor Bupati Bolaang Mongondow Timur Jl. Trans Sulawesi Lingkar Selatan ATM Capem Popayato Jl. Trans Sulawesi ATM Capem Pasar Sentral Jl. Patimura No. 19 ATM Kantor Cabang Molibagu Jl. Trans Sulawesi ATM Kantor Kas Bupati Bolaang Mongondow Selatan Kompleks Kantor Bupati Bolaang Mongondow Selatan ATM Capem Tagulandang Pasar Tagulandang ATM Capem Tuminting Jl. Santiago No. 2 ATM Kantor Cabang Pembantu Likupang Kompelks Pertokoan Likupang ATM Kantor Capem Paal Dua Jl. Yos Sudarso No. 12 Kompleks Pasar Segar Ruko Ra No. 5 ATM Capem Paguat Jl. Trans Sulawesi Kompleks Ruko Kapling 1 ATM Kantor Cabang Melonguane Jl. Raya Melonguane Barat ATM Kantor Kas Bupati Kepu- lauan Talaud Kompleks Kantor Bupati Kepulauan Talaud ATM Capem Manembonembo Kompleks Ruko Sari Plaza Blok B1 2 ATM Capem Randangan Jl. Trans Sulawesi No. 248 ATM Capem Tolangohula Jl. Raja Tolangohula ATM Malalayang Jl. Wolter Monginsidi ATM Cabang Pembantu Bahu Kompleks Ruko Bahu Mall Blok S No. 14 ATM Jl. Bethesda Jl. Bethesda Kompleks Ekspedisi Jne ATM Capem Ranotana Jl. Samratulangi No. 432 ATM Multimart Ranotana Jl. Samratulangi No. 432 Kompleks Pertokoan Multi Mart ATM Winangun Jl. Raya Manado Tomohon Galery ATM ATM Cabang Pembantu Tamako Jl. Raya Nagha 1 ATM Capem Paguyaman Jl. Trans Sulawesi ATM Capem Beo Jl. Larenggam Lingkungan I ATM Kantor Cabang Lolak Jl. Trans Sulawesi ATM Kantor Bupati Bolaang Mongondow Kompleks Kantor Bupati Kabupaten Bolaang Mongondow ATM Duhiadaa Jl. Trans Sulawesi ATM Diknas Limboto Jl. Samaun Pulubuhu ATM Cabang Pembantu Lan- gowan Jl. Raya Wolaang ATM Ban Hin Kiong Jl. Di Panjaitan ATM Kantor Capem Samratulangi Jl. Samratulangi No. 23 ATM Kimia Farma Sario Jl. A. Yani Apotik Kimia Farma ATM Buntulia Marisa Jl. Trans Sulawesi ATM Kantor Kas Sonder Kompleks Pasar Sonder 169 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Jaringan ATM Alamat ATM Kantor Kas Papusungan Kompleks Terminal Penyebrangan Pulau Lembe ATM Pelabuhan Ulu Siau Kompleks Pelabuhan Ulu ATM Kantor Kas Tareran Jl. Trans Sulawesi Rumoong Lansot ATM Kantor Kas Tatelu Jl. Raya Sukur ATM Kantor Kas Wonosari Jl. Trans Sulawesi Dusun Purwojati ATM Kantor Kas Lemito Jl. Trans Sulawesi ATM Kantor Kas Kotamobagu Selatan Jl. Poyowa Kecil ATM Kantor Camat Tagulandang Kantor Camat Tagulandang ATM Spbu Sudirman Jl. Sudirman Kompleks Spbu ATM Muida Jl. Sudirman Kompleks Toko Atk Muida ATM KK MOLUO Jl. Trans Sulawesi Des. Moluo Ke. Kwandang Gorut Gorontalo ATM BONGONOL Komplek SPBU Bongonol Jl. Trans Sulawesi Kec. Paguyaman Boalemo Gorontalo ATM RSUD POHUWATO Komplek Rsud Pohuwato Jl. Dr. Erizal Umar Des. Botubilotahu Kec Marisa Pohuwato Gorontalo 170 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Melihat proyeksi pertumbuhan ekonomi dan tantangan di tahun 2016, Direksi telah menetapkan target kinerja dan keuangan melalui Rencana Bisnis Bank RBB untuk priode tahun 2016-2018. Seeing the economic growth projections and challenges in 2016, the Board of Directors has set performance targets and finance through Bank Business Plan RBB for the period 2016-2018 year. 171 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 172 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Tinjauan Pendukung Bisnis Business Supporting Review 173 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Bagi perusahaan, pengembangan kualitas sumber daya manusia SDM dilakukan sebagai upaya memacu produktivitas dalam memenangkan persaingan global. For the company, the quality of human resource development HRD as part of efforts to spur productivity in winning the global competition. Pengembangan sumber daya manusia adalah upaya berkesinambungan meningkatkan mutu sumber daya manusia dalam arti yang seluas-luasnya, melalui pendidikan, latihan, dan pembinaan. Pengembangan sumber daya manusia juga merupakan cara efektif untuk menghadapi beberapa tantangan, termasuk keusangan atau ketertinggalan karyawan. Dengan dapat teratasinya tantangan-tantangan airmative action dan turnover karyawan, pengembangan sumber daya manusia dapat menjaga atau mempertahankan tenaga kerja yang efektif. Pengembangan merupakan suatu cara efektif untuk menghadapi beberapa tantangan yang di hadapi oleh perusahaan. Tantangan-tantangan ini mencakup keusangan karyawan, perubahan-perubahan sosioteknis dan perputaran tenaga kerja. Kemampuan untuk mengatasi tantangan- tantangan tersebut merupakan faktor penentu keberhasilan perusahaan dalam mempertahankan sumber daya manusia yang efektif. Pengembangan biasanya berhubungan dengan peningkatan kemampuan intelektual atau emosional yang diperlukan untuk menjalankan pekerjaan dengan lebih baik. Pengembangan berpijak pada fakta bahwa seorang karyawan akan membutuhkan pengetahuan, keahlian, dan Human resource development is a continuous efort to improve the quality of human resources in the broadest sense, through education, training, and coaching. Human resource development is also an efective way to deal with some challenges, including obsolescence or lagging of employees. By being able to overcome airmative action and employee turnover, human resource development can maintain or maintain an efective workforce. Development is an efective way to deal with some of the challenges facing the company. These challenges include employee obsolescence, sociotechnical changes and labor turnover. The ability to overcome these challenges is a critical determinant of the company’s success in maintaining efective human resources. Development is usually associated with the increase intellectual or emotional skills needed to perform the job better. Development stands on the fact that an employee will need knowledge, skills, and developing abilities, in order to work well in the succession of the position undertaken during his career. Pengembangan Sumber Daya Manusia Human Resource Development 174 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 kemampuan yang berkembang, supaya bekerja dengan baik dalam suksesi posisi yang dijalani selama karirnya. Persiapan karir jangka panjang dari seorang karyawan untuk serangkaian posisi inilah yang dimaksud dengan pengembangan karyawan. Dalam mengembangkan Sumber Daya Manusia perusahaan, manajemen menerapkan strategi melalui kebijakan- kebijakan berikut : 1. Pengembangan Career Path serta sistem reward and punishment yang berbasis pada implementasi Key Performance Indicator KPI korporat ke unit kerja dan unit kerja ke individu. 2. Sistem diklat yang terarah dan berkualitas serta dipandu oleh kurikulum dan infrastruktur yang memadai. 3. Peningkatan kesejahteraan pegawai yang terencana, berkesimbangun serta mempertimbangkan perkembangan makro ekonomi dan kemampuan perusahaan. 4. Implementasi usia pensiun 58 tahun dan perencanaan program pensiun dini. 5. Melanjutkan secara bertahap penataan ulang pemberian system remunerasi pegawai dengan membedakan antara pejabat struktural mempunyai bawahan dan pejabat fungsional tidak mempunyai bawahan, dengan melakukan penyederhanaan dalam struktur gajinya. 6. Menaikan gaji, tunjangan dan fasilitas-fasilitas lainnya seperti uang makanminum, penggantian biaya listrik, biaya telpon, air yang disesuaikan dengan kondisi dan keuangan bank. 7. Melanjutkan program pensiun pegawai yang baru termasuk pegawai kontrak akan diikutsertakan pada program pensiun iuran pasti imbal pasca kerja yang dikelola oleh lembaga keuangan asuransi. Secara singkat, pengembangan Sumber Daya Manusia SDM didasari pada 3 tiga kebijakan utama : 1. Peningkatan kualitas serta sistem pendidikan dan pelatihan: · Melakukan analisis kebutuhan diklat. · Sertiikasirefreshment manajemen risiko . · Sertiikasi jabatan-jabatan profesional auditor, perpajakan, akuntansi, teknologi informasi, perencanaan korporat. 2. Pengembangan pegawai • Mutasi-promosi yang terencana dan terprogram melalui The long-term career preparation of an employee for this set of positions is what employees development is about. In developing the company’s Human Resources, management implements the strategy through the following policies: 1. Career Path development and reward and punishment system based on the implementation of Key Performance Indicator KPI of corporate to work units and work units to individuals. 2. A targeted and qualiied training system and guided by an adequate curriculum and infrastructure. 3. Improved well-planned employee welfare, development and considers macro-economic development and corporate capabilities. 4. Implementation of 58 years of retirement age and early retirement plan planning. 5. Continuing gradually rearrangement of employee remuneration system by diferentiating between structural oicials subordinate and functional oicials not having subordinates, by simplifying the salary structure. 6. Increase in salaries, beneits and other facilities such as food drinking allowances, reimbursement of electricity costs, telephone costs, water adjusted to the conditions and bank inances. 7. Continuing the new employee retirement program, including contract employees will be included in the deined contribution pension post-employment beneits program managed by the inancial insurance institution. Briely, the development of Human Resources HR is based on 3 three main policies: 1. Improved quality and education and training system: 2. • Conduct analysis of training needs. • Risk management certiication refreshment. • Certiication of professional positions auditor, taxation, accounting, information technology, corporate planning. 2. Employee development • Well-planned and programmed promotions through 175 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 career path. • Implementasi KPI secara objektif . • Pelaksanaan assesment secara periodik. 3. Peningkatan kesejahteraaan pegawai • Sistem remunerasi yang berorientasi hasil kerja • Direncanakan pada tahun 2016 akan ada kenaikan gaji dasar 40 dan tunjangan pegawai 20 dari posisi tahun sebelumnya. Kenaikan ini untuk mengakomodasi perkembangan kondisi ekonomi seperti inlasi, peergroup, dan lain-lain. Hal ini diharapkan dapat meningkatkan produktivitas pegawai. • Penyesuaian gaji pegawai kontrak dengan Upah Minimum Propinsi UMP Sulawesi Utara Gorontalo Tahun 2016. Selain itu, tahun 2016 diadakan implementasi Buku Pedoman Perusahaan BPP SDM terbaru serta Human Capital Blue Print dengan skema sebagai berikut : MODEL PENGEMBANGAN DEVELOPMENT MODEL VISI DAN INTENSI STRATEGIK MODAL MANUSIA Bank SulutGo VISION AND STRATEGIC INTENTION Bank SulutGo HUMAN CAPITAL Sasaran Pengembangan yang Berdampak pada Nilai Tambah Pemegang Saham Development Goal Impact on Shareholder Value Added Proses Internal dan Tata Kelola Modal Manusia Bank - BPP dan Manual Internal Processes and Governance, Human Capital Bank - BPP and Manual Mengembang- kan Strategic Enables dalam Pengembangan Divisi Modal Manusia Bank SulutGo Developing Stra- tegic enablers in Bank SulutGo Human Capital Development Division Fokus yang berkelanjutan terhadap stakeholders Modal Manusia Bank SulutGo Sustained focus on Bank SulutGo Human Capital stakeholders Menghasilkan return on human capital investment yang paling optimal Produce return on human capital investment the most optimal Relevansi Modal Manusia bagi Unit-unit Operasional, Bisnis,Manajemen,Nasabah dan Stakeholders bank The relevance of the Human Capital Operational Units, Business, Management, Customers and bank Stakeholders Mengembangkan proses internal dan tata kelola modal manusia yang berdampak bagi stakeholders bank secara luas Develop internal processes and governance of human capital implications for broadly banks stakeholders Mengembangkan Kapasitas dan Kapabilitas Divisi Modal Manusia secara utuh agar proses internal yang diharapkan dapat berjalan secara efektif Developing Capacity and Capability of Human Capital Division as a whole for the internal processes that are expected to operate effectively the career path. • KPI Implementation objectively. • Periodic assessment of the assessment. 3. Increased employee welfare • Work-oriented remuneration system • Planned by 2016 there will be a 40 base salary increase and an employee allowance of 20 from the previous year’s position. This increase to accommodate the development of economic conditions such as inlation, peer group, and others. This is expected to increase employee productivity. • Adjustment of salary of contract employee with Provincial Minimum Wage UMP of North Sulawesi Gorontalo Year 2016. In addition, in 2016, the implementation of the Company’s latest Human Resources Manual BPP and Human Capital Blue Print with the following scheme: 176 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Pada tahun 2016, implementasi Buku Pedoman Perusahaan BPP SDM terbaru Human Capital Blue Print akan dilakukan dirangkaikan dengan tambahan itur pengadministrasian remunerasi pada Human Resources Management System HRMS, pengelolaan penilaian Key Performance Indicator KPI melalui sistem komputerisasi dan pemenuhan kekosongan jabatan pada setiap unit kerja berdasarkan Struktur Organisasi terbaru. Adapun Human Capital Blue Print yang akan diterapkan memiliki 12 dua belas tema stratejik yang masing-masing terbagi dalam 8 delapan tema inti dan 4 empat tema pendukung berikut : 8 Delapan tema inti 8 core themes: 1 Managing Human Capital Strategically Mengelola Modal Manusia secara Strategik. 2 Building Human Capital Division as Strategic Business Partner mengembangkan Modal Manusia sebagai Mitra Bisnis Strategik. 3 Creating a Happy and Engaged Employee Menciptakan Modal Manusia yang Bahagia dan Engaged. 4 Supporting Management Initiatives Mendukung Tema dan Inisiatif Strategik. 5 Creating Human Capital Value for Customers and Stakeholders Menciptakan Nilai dan Relevansi Modal Manusia bagi Nasabah dan Stakeholders Bank. 6 Managing Efective and Impactful Strategic HC Planning, Governance and Learning Mengembangkan Proses Perencanaan Strategik, Tata Kelola dan Pembelajaran Modal Manusia secara Efektif dan Berdampak. 7 Managing Efective Human Capital Processes Mengembangkan Proses tata Kelola Modal Manusia secara Efektif dan Berdampak. 8 Managing Efective Human Capital Support System Mengelola Proses Daya Dukung Administratif Modal Manusia. 4 empat Tema Pendukung : 1 Developing Human Capital Capacity Mengembangkan Kapasitas Pengelolaan Modal Manusia. 2 Creating Human Capital Organizational Enablers Mengembangkan Organisasi Modal Manusia yang Memampukan. 3 Building Strategic HC Technology Mengembangkan Daya Dukung Teknologi dn Aplikasi Modal Manusia. 4 Building Relevant Physical Human Capital Infrastructure In 2016, the implementation of the latest Company’s Human Capital Blue Corporate Human Resources Manual BPP will be coupled with additional administrative and remuneration features in Human Resources Management System HRMS, Key Performance Indicator KPI assessment through computerized system and job vacancy fulillment on each work unit based on the latest Organization Structure. The Human Capital Blue Print that will be applied has 12 twelve strategic themes which are divided into 8 eight core themes and 4 four supporting themes: 8 Eight core themes 8 core themes: 1 Managing Human Capital Strategically. 2 Building Human Capital Division as Strategic Business Partner. 3 Creating a Happy and Engaged Employee. 4 Supporting Management Initiatives. 5 Creating Human Capital Value for Customers and Stakeholders. 6 Managing Efective and Impactful Strategic HC Planning, Governance and Learning. 7 Managing Efective Human Capital Processes. 8 Managing Efective Human Capital Support System. 4 four Supporting Themes: 1. Developing Human Capital Capacity. 2. Creating Human Capital Organizational Enablers. 3. Building Strategic HC Technology. 4. Building Relevant Physical Human Capital Infrastructure. 177 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Mengembangkan Daya Dukung Fisik dan Infrastruktur Modal Manusia. PROFIL KARYAWAN Hingga 31 Desember 2016, jumlah Karyawan Bank SulutGo tercatat berjumlah 1769 orang. Jumlah tersebut mengalami penurunan dibandingkan jumlah karyawan tahun 2015 yaitu 1.781 orang, dengan keberagaman gender, usia, pendidikan, dan jabatan sebagaimana berikut ini. JUMLAH PEGAWAI BERDASARKAN GENDER Sampai dengan tahun 2016 jumlah pegawai Bank SulutGo sebanyak 1769 orang, dengan komposis Pria sebanyak 1,105 orang dan wanita sebanyak 664 orang. Terjadi pengurangan pegawai pria sebanyak 4 orang dan wanita sebanyak 8 orang dibandingkan tahun 2015. Komposis pegawai berdasarkan gender tergambar pada tabel dibawah ini: PROFIL KARYAWAN BERDASARKAN STATUS KEPEGAWAIAN Untuk komposisi pegawai berdasarkan status kepegawaian, pegawai tetap mendominasi dari pegawai dengan status lainnya, baik di tahun 2016 maupun tahun 2015 dan 2014. Terjadi penambahan pegawai tetap sebanyak 293 orang dibandingkan tahun 2015. Penambahan ini karena adanya perubahan status dari 225 calon pegawai menjadi pegawai tetap. EMPLOYEE PROFILE BASED ON EMPLOYEE AFFAIR STATUS For employee composition based on employment status, employees continue to dominate from the employees with other status, both in 2016 and 2015 and 2014. There were 293 additional permanent employees compared to 2015. This addition was due to a change of status from 225 prospective employees to permanent employees. Employee composition based on employment 2016 61,91 62,27 36,54 37,73 2015 1769 1781 JUMLAH PEGAWAI BANK SULUTGO BERDASARKAN GENDER NUMBER OF EMPLOYEES BANK SULUTGO BASED ON GENDER NO Komposisi Pega- wai Berdasarkan Gender 2014 2015 2016 Perubahan Employee Composition Based on Gender Angka 1 Pria 1.093 1.109 1.105 4 0,36 Man 2 Wanita 643 672 664 8 1,19 Woman TOTAL 1736 1781 1769 12 0,67 EMPLOYEE PROFILE Until December 31, 2016, the number of Employees Bank SulutGo amounted to 1769 people. The number has decrease compared to the number of employees in 2015 of 1,781 people, with the diversity of gender, age, education, and position as follows. NUMBER OF EMPLOYEES BY GENDER Until 2016 the number of employees of Bank SulutGo as many as 1769 people, with the composition of Men as many as 1.105 people and women as many as 664 people. There was a reduction of male employees as many as 4 people and women, as many as 8 people compared to 2015. Employee composition based on gender is shown in the table below: 178 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 PROFIL KARYAWAN BERDASARKAN JABATAN Ditinjau berdasarkan jabatan, jumlah karyawan bervariasi untuk masing- masing tingkatan. Jumlah terbesar adalah karyawan level oicer, yaitu sebanyak 549 orang dan pegawai kontrak sebanyak 450 orang. Terjadi penurunan pegawai kontrak sebanyak 81 orang dibandingkan tahun 2015 yang berjumlah 531 orang. Komposis pegawai berdasarkan jabatan tergambar pada tabel dibawah ini: EMPLOYEE PROFILE BY POSITION Reviewed by position, the number of employees varies for each level. The largest number of employees is level oicer, as many as 549 people and contract employees as many as 450 people. There was a decline of 81 people contract employees compared to 2015, amounted to 531 people. Composition of employees by position is shown in the table below: Komposis pegawai berdasarkan status kepegawaian tergambar pada tabel dibawah ini: status is illustrated in the table below: PROFIL KARYAWAN BANK SULUTGO BERDASARKAN STATUS KEPEGAWAIAN PROFILE OF BANK SULUTGO EMPLOYEES BY STATUS OF EMPLOYEES KODE Status Pegawai 2014 2015 2016 Perubahan Employee Status Angka DIR Direksi 5 5 5 - - BOD DKM Dewan Komisaris 4 4 5 1 25,00 BOC PT Pegawai Tetap 785 904 1197 293 32,41 Permanent Employee CP Calon Pegawai 139 337 112 225 66,77 Prospective Employee KOM Anggota Dewan Komite 4 4 - Board Member of the Committee TRN Trainee 259 2 2 100,00 Trainee KKO Kontrak Kopkar 439 418 362 56 13,40 Kopkar Contract Total 1736 1781 1769 12 0,67 Total PROFIL KARYAWAN BANK SULUTGO BERDASARKAN JABATAN PROFILE OF BANK SULUTGO EMPLOYEES BASED ON POSITION Kode Jabatan- Position 2014 2015 2016 Perubahan- Change Angka EVP EXECUTIVE VICE PRESIDENT 3 3 2 33,33 SVP SENIOR VICE PRESIDENT 13 14 13 7,14 VP VICE PRESIDENT 3 3 3 - - SAVP SENIOR ASSISTANT VICE PRESIDENT 9 36 36 - - AVP ASSISTEN VICE PRESIDENT 39 16 14 2 12,50 SMGR SENIOR MANAGER 18 22 27 5 22,73 MGR MANAGER 50 51 59 8 15,69 AMGR SENIOR ASSISTANT MANAGER 52 66 83 17 25,76 SOFR ASSISTEN MANAGER 83 109 95 14 12,84 OFR SENIOR OFFICER 150 93 102 9 9,68 SCL OFFICER 288 553 549 4 0,72 CL SENIOR CLERK 56 68 81 13 19,12 2016 DIR PT CP K KO TRN DKM 5 1197 5 112 362 4 KO M EVP SVP VP SAVP AVP SMGR MGR AMGR SOFR OFR SCL CL P2 P1 179 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 JUMLAH PEGAWAI BERDASARKAN JENJANG PENDIDIKAN Ditinjau berdasarkan jenjang pendidikan karyawan, terdapat variasi untuk masing-masing tingkatan pendidikan. Jumlah terbesar adalah pegawai dengan latar pendidikan sarjana yakni sebanyak 1027 orang. Namun terjadi penurunan pegawai dengan latar pendidikan sarjana sebanyak 8 orang dibandingkan tahun 2015 yang berjumlah 1.035 orang. Komposis pegawai berdasarkan jabatan tergambar pada tabel dibawah ini: NUMBER OF EMPLOYEES BY LEVEL OF EDUCATION Judging by employee education, there are variations for each level of education. The largest number is employees with undergraduate education as much as 1027 people. However, there is a decrease of employees with an undergraduate education background as much as 8 people compared to 2015 which amounted to 1035 people. Composition of employees by position is shown in the table below: Pada tahun 2016, jumlah karyawan dengan tingkat pendidikan Doktoral dan S2 master mengalami peningkatan yakni Doktoral sebanyak In 2016, the number of employees with doctoral and master’s degree master level has increase by 3 doctoral and S2 as many as 2 people. This shows that Bank PROFIL KARYAWAN BANK SULUTGO BERDASARKAN PENDIDIKAN PROFILE OF BANK SULUTGO EMPLOYEES BY EDUCATION Kode Pendidikan 2014 2015 2016 Perubahan- Change Education Angka Number S3 DOKTOR 1 3 3 - DOCTOR S2 MASTER 27 32 34 2 6,25 MASTER S1 SARJANA 936 1.035 1027 8 0,77 BACHELOR D4 DIPLOMA 4 1 - - DIPLOMA 4 D3 DIPLOMA 3 119 105 103 2 1,90 DIPLOMA 3 D2 DIPLOMA 2 4 4 4 - - DIPLOMA 2 D1 DIPLOMA 1 4 4 6 2 50,00 DIPLOMA 1 SMKSMA SLTA SEDERAJAT 634 591 583 8 1,35 SLTA SEDERJ- JAT SMP SLTP 8 8 7 12,50 JUNIOR HIGH SCHOOL SD SD 2 2 2 - - ELEMENTARY SCHOOL TOTAL 1736 1781 1769 12 0,67 TOTAL PROFIL KARYAWAN BANK SULUTGO BERDASARKAN JABATAN PROFILE OF BANK SULUTGO EMPLOYEES BASED ON POSITION Kode Jabatan- Position 2014 2015 2016 Perubahan- Change Angka P2 CLERK 139 175 141 34 19,43 P1 STAFF NON ADMINISTRASI 21 32 104 72 225,00 - KONTRAK 812 531 450 81 15,25 TOTAL 1736 1772 1759 13 0,73 S1 SLTA D3 S2 SMP D1 D2 S3 180 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 3 orang dan S2 sebanyak 2 orang. Hal ini menunjukkan bahwa Bank SulutGo berkomitmen untuk meningkatkan kompetensi akademis karyawan. Bank SulutGo memberikan kesempatan kepada setiap karyawan dengan persyaratan tertentu untuk melanjutkan jenjang pendidikan yang lebih tinggi. Dengan semakin tingginya tingkat pendidikan karyawan, diharapkan akan berpengaruh positif terhadap kinerjanya dan dapat memberikan dampak yang positif terhadap kinerja Bank. JUMLAH PEGAWAI BERDASARKAN USIA Usia pegawai yang dominan berada pada rentang usai 26 s.d 30 tahun, didominasi oleh pegawai yang berlatar belakang pendidikan S1 sarjana, dan pada usia tersebut memiliki jenjang karir dan pengalaman kerja yang cukup. Karyawan dengan usia tersebut sebagian sudah berada dan menduduki di level senior dan bahkan beberapa sudah dipercaya menduduki beberapa jabatan struktural baik dicabang maupun di cabang pembantu. Terjadi penurunan jumlah pegawai pada usia diatas 50 tahun sebanyak 5 orang dibandingkan tahun 2015. Komposis pegawai berdasarkan jabatan tergambar pada tabel dibawah ini: SulutGo is committed to improving the academic competence of employees. Bank SulutGo provides an opportunity to every employee with certain requirements to continue the higher education. With the increasing level of employee education, it is expected to have a positive efect on its performance and can have a positive impact on the Bank’s performance. NUMBER OF EMPLOYEES BY AGE The dominant employee age is in the range of 26 till 30 years old, dominated by employee with education background S1 undergraduate, and at that age have career level and enough work experience. Employees of that age are partially located and occupied at senior level and even some have been trusted to occupy several structural positions both in the branch and in the sub-branch. There is a decrease in the number of employees at the age above 50 years as many as 5 people compared to 2015. Employee-based composition is shown in the table below: PROFIL KARYAWAN BANK SULUTGO BERDASARKAN USIA PROFILE OF BANK SULUTGO EMPLOYEES BY AGE USIA- AGE 2014 2015 2016 Perubahan- Change Angka- Number 55 20 27 22 5 18,52 51 - 55 62 70 87 17 24,29 46 - 50 119 138 157 19 13,77 41 - 45 165 168 178 10 5,95 36 - 40 215 245 250 5 2,04 31 - 35 291 318 338 20 6,29 31-35 36-40 41-45 46-50 51-55 55 181 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 HUBUNGAN INDUSTRIAL Dalam mengelola hubungan industrial, Bank SulutGo mengedepankan skema musyawarah dengan menyediakan saluran komunikasi yang dapat digunakan oleh seluruh pegawai dalam menyampaikan aspirasi, masukan ataupun keluhan terhadap Manajemen.Selain itu, setiap karyawan memiliki hak dan kewajiban yang telah disampaikan secara rinci serta Perusahaan memberikan kesempatan yang setara kepada seluruh karyawan untuk memiliki keterwakilan dan hak untuk menyampaikan pendapat secara setara melalui mekanisme-mekanisme yang telah disepakati oleh kedua belah pihak. PENGEMBANGAN KOMPETENSI Sebagai komponen terpenting dalam suatu program transformasi, Bank SulutGo bertekad mengembangkan sumber daya manusia agar berkemampuan global Global Capability dan berkinerja unggul. Bank SulutGo meyakini bahwa pegawai adalah aset utama yang harus dijaga, dipelihara, dan ditingkatkan kualitasnya. Peningkatan daya saing perseroan sejalan dengan peningkatan kemampuan sumber daya manusianya.Oleh karena itu, Bank SulutGo berupaya keras mengenali kompetensi-kompetensi yang merupakan kunci keberhasilan dalam berbisnis dan mengembangkan kemampuan pegawai agar menguasai kompetensi tersebut. PELATIHANSEMINAR YANG SUDAH DILAKSANAKAN Bank SulutGo melaksanakan sistem manajemen SDM berbasis kompetensi secara konsisten dengan menerapkan ketentuan bahwa pengembangan karyawan dilakukan melalui peningkatan kompetensi SDM sesuai persyaratan yang ditentukan untuk setiap level, dan pengelolaan calon-calon pemimpin masa depan dilakukan melalui penyempurnaan sistem pengelolaan Sumber Daya Manusia. Untuk maksud tersebut, Bank SulutGo telah melaksanakan sebanyak 319 program pendidikan dan pelatihan selama tahun 2016 yang dilaksanakan oleh berbagai lembaga seperti: INDUSTRIAL RELATIONS In managing industrial relations, Bank SulutGo prioritizes the deliberation scheme by providing a communication channel that can be used by all employees in conveying aspirations, feedbacks or complaints to the Management. In addition, every employee has the rights and obligations that have been submitted in detail and the Company provides equal opportunity to all employees to have the representativeness and the right to express opinions on an equal basis through mechanisms agreed upon by both parties. COMPETENCY DEVELOPMENT As the most important component in a transformation program, Bank SulutGo is committed to developing human resources for global capability and superior performance. Bank SulutGo believes that employees are the main assets that must be cured, maintained, and improved quality. Increased competitiveness of the company in line with the increase of human resource capabilities. Therefore, Bank SulutGo strives to recognize the competencies that are the key to success in business and develop The ability of employees to master the competence. TRAINING SEMINAR THAT HAS BEEN IMPLEMENTED Bank SulutGo implements a competency-based HR management system consistently by applying the stipulation that employee development is done through the improvement of human resource competencies in accordance with the requirements speciied for each level, and the management of future leaders through improvement of the Human Resource management system. For that purpose, Bank SulutGo has implemented 319 education and training programs during 2016 conducted by various institutions such as: PROFIL KARYAWAN BANK SULUTGO BERDASARKAN USIA PROFILE OF BANK SULUTGO EMPLOYEES BY AGE USIA- AGE 2014 2015 2016 Perubahan- Change Angka- Number 26 - 30 490 550 584 34 6,18 21 - 25 357 250 150 100 40,00 17 - 20 17 15 3 12 80,00 TOTAL 1736 1781 1769 12 0,67 182 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 1 SOSIALISASI JUKLAK TENTANG CHANNELING BJB SOCIALIZATION OF ABBREY ABOUT CHANNELING BJB GORONTALO EXTERNAL 2 WORKSHOP SISTEM INFORMASI MANAJEMEN MIS WORKSHOP MANAGEMENT INFORMATION SYSTEM MIS MANADO EXTERNAL 3 WORKSHOP KI CABANG CAPEM WORKSHOP KI BRANCH CAPEM MANADO INTERNAL 4 PELATIHAN BREVERT PAJAK AB TRAINING BREVERT TAX A B MANADO EXTERNAL 5 TRAINING ESSENTIAL SKILL SECRETARY AND ADMINISTRATION PROFESSIONAL TRAINING ESSENTIAL SKILL SECRETARY AND ADMINISTRATION PROFESSIONAL JAKARTA EXTERNAL 6 TRAINING OPERASIONAL DALAM RANGKA IMPLEMENTASI SKNBI GENERASI II TAHAP II OPERATIONAL TRAINING IN THE FRAMEWORK OF IMPLEMENTATION OF GENERATION SKNBI II PHASE II JAKARTA EXTERNAL 7 TRAINING TEKNIS DALAM RANGKA RENCANA IMPLEMENTASI SKNBI GENERASI II TAHAP II TECHNICAL TRAINING IN THE FRAMEWORK FOR IMPLEMENTATION OF GENERATION SKNBI II PHASE II MANADO EXTERNAL 8 BIMBINGAN TEKNIS MENYANGKUT PERSIAPAN MATERI ANNUAL REPORT SUSTAINABILLITY REPORT TECHNICAL MENTORING FOR PREPARATION ANALYSIS MATERIAL REPORT SUSTAINABILLITY REPORT BANDUNG EXTERNAL 9 PELATIHAN HTML + CSS DAN PHP + MYSQL TRAINING HTML + CSS AND PHP + MYSQL JAKARTA EXTERNAL 10 WORKSHOP KONTROL INTERN CABANG CAPEM WORKSHOP INTERN BRANCH CONTROL CAPEM MANADO INTERNAL 11 SEMINAR CSR TALK FOR LEADERS SEMINAR CSR TALK FOR LEADERS JAKARTA EXTERNAL 12 PELATIHAN CREDIT RISK SCORING FOR CONSUMER LOAN CREDIT RISK SCORING FOR CONSUMER LOAN TRAINING JAKARTA EXTERNAL 13 PELATIHAN CREDIT RISK SCORING FOR CONSUMER LOAN CREDIT RISK SCORING FOR CONSUMER LOAN TRAINING YOGYAKARTA EXTERNAL 14 PELATIHAN CREDIT COMMITTEE, CREDIT RECOVERY AND CREDIT RESTRUCTURING CREDIT COMMITTEE TRAINING, CREDIT RECOVERY AND CREDIT RESTRUCTURING BANDUNG EXTERNAL 15 PEL.AKUNTANSIANALISA KEUANGAN KUKMIKRO dan PEL.MODUL ANALISA REKENING KORAN CALON DEBITUR BATCH 1 PEL.AKUNTANSI KUK MIKRO FINANCIAL ANALYSIS AND PEL.MODUL ANALYSIS OF CORON ACCOUNT DEBTOR BATCH 1 MANADO EXTERNAL 16 PELATIHAN STRATEGI PENDANAAN DAN PEMBIAYAAN PERBANKAN TRAINING FUNDING AND BANKING FINANCING STRATEGY JAKARTA EXTERNAL 17 PELATIHAN ASPEK HUKUM PEMBERIAN KREDIT TRAINING LEGAL ASPECTS OF CREDIT GIVING YOGYAKARTA EXTERNAL 18 PENCEGAHAN FRAUD DALAM OPERASIONAL PERBANKAN PREVENTION OF FRAUD IN OPERATIONAL BANKING JAKARTA EXTERNAL 19 TRAINING OF TRAINERS TOT MENGENAI LHKPN TRAINING OF TRAINERS TOT ABOUT LHKPN JAKARTA EXTERNAL 20 WORKSHOP STRATEGI PENGELOLAAN LIKUIDITAS BPD DALAM MENGHADAPI TANTANGAN PERKEMBANGAN INDUSTRI TERKIN WORKSHOP STRATEGY OF LIQUIDITY BPD MANAGEMENT IN DEALING THE CHALLENGE OF THE DEVELOPMENT OF TRADING INDUSTRY SURABAYA EXTERNAL 21 PELATIHAN STRATEGI PEMBERIAN PINJAMAN TRAINING LOANS STRATEGY TRAINING YOGYAKARTA EXTERNAL 22 PEL.AKUNTANSIANALISA KEUANGAN KUKMIKRO dan PEL.MODUL ANALISA REKENING KORAN CALON DEBITUR BATCH 2 PEL.AKUNTANSI KUK MIKRO FINANCIAL ANALYSIS AND PEL.MODUL ANALYSIS OF CORON DEBITUR BATCH 2 MANADO EXTERNAL 23 PELATIHAN SERIKAT PEKERJA: STRATEGI MENGELOLA SERIKAT PEKERJA TRAINING OF EMPLOYEES WORKERS: THE STRATEGY OF MANAGING UNION OF EMPLOYERS YOGYAKARTA EXTERNAL 24 TRAINING PROSEDUR PELAKSANAAN KAJI ULANG REVIEW KEBIJAKAN ICAAP OLEH SKAI DAN DIVISI MANAJEMEN RIS TRAINING PROCEDURE FOR IMPLEMENTATION OF ICAAP POLICY REVIEW BY SKAI AND RIS MANAGEMENT DIVISION JAKARTA EXTERNAL REALISASI PELAKSANAAN DIKLAT BANK SULUTGO TAHUN 2016 REALIZATION OF IMPLEMENTATION OF BANK SULUTGO IN 2016 183 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 25 WORKSHOP NASIONAL IMPLEMENTASI PERATURAN TERBARU PPATK NATIONAL WORKSHOP IMPLEMENTATION OF RECENT REGULATION OF PPATK JAKARTA EXTERNAL 26 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT GORONTALO EXTERNAL 27 PEL.AKUNTANSIANALISA KEUANGAN KUKMIKRO dan PEL.MODUL ANALISA REKENING KORAN CALON DEBITUR BATCH 3 PEL.AKUNTANSI KUK MIKRO FINANCIAL ANALYSIS AND PEL.MODUL ANALYSIS OF CORON DEBTOR RESPECTABLE BATCH 3 MANADO EXTERNAL 28 PELATIHAN KOMUNIKASI DAN PSIKOLOGI AUDIT TRAINING COMMUNICATION AND PSYCHOLOGY AUDIT BOGOR EXTERNAL 29 PELATIHAN SERTIFIKASI MANAJEMEN RISIKO LEVEL 3 LEVEL RISK MANAGEMENT CERTIFICATION MANAGEMENT 3 MANADO EXTERNAL 30 PELATIHAN SERTIFIKASI MANAJEMEN RISIKO LEVEL 2 LEVEL RISK MANAGEMENT CERTIFICATION MANAGEMENT 2 MANADO EXTERNAL 31 PELATIHAN SERTIFIKASI MANAJEMEN RISIKO LEVEL 1 LEVEL RISK MANAGEMENT CERTIFICATION MANAGEMENT 1 MANADO EXTERNAL 32 PELATIHAN QUALITY ASSURANCE SEBAGAI DASAR TEHNIK PENGUATAN INTERNAL CONTROL DAN MEMITIGASI RISIKO OP TRAINING QUALITY ASSURANCE AS A BASIC OF INTERNAL ENTRY STRENGTHENING CONTROL AND RISK OP OPTION JAKARTA EXTERNAL 33 WORKSHOP LEGAL OFFICER WORKSHOP LEGAL OFFICER BANDUNG EXTERNAL 34 UJIAN KOMPETENSI MANAJEMEN RISIKO LEVEL 3 LULUS EXAMPLE OF LEVEL RISK MANAGEMENT LEVEL 3 PASS MANADO EXTERNAL 35 UJIAN KOMPETENSI MANAJEMEN RISIKO LEVEL 1 LULUS COMPETENCE Tests LEVEL 1 RISK MANAGEMENT PASS MANADO EXTERNAL 36 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT AMURANG EXTERNAL 37 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT KOTAMOBAGU EXTERNAL 38 TRAINING LIQUIDITY RISK MANAGEMENT AND STRESS TEST TRAINING LIQUIDITY RISK MANAGEMENT AND STRESS TEST BALI EXTERNAL 39 PELATIHAN EKSEKUSI HAK TANGGUNGAN DAN PERMASALAHAN HUKUM EXECUTION TRAINING OF RIGHTS AND LEGAL PROBLEMS BANDUNG EXTERNAL 40 PELATIHAN PENYELAMATAN DAN PENYELESAIAN KREDIT BERMASALAH SAFETY TRAINING AND SETTLEMENT OF CREDIT PROBLEMS JAKARTA EXTERNAL 41 TRAINING MANAJEMEN PERKREDITAN TRAINING CREDIT MANAGEMENT YOGYAKARTA EXTERNAL 42 PELATIHAN PENGUATAN TIGA PILAR PENGENDALIAN DALAM RANGKA MITIGASI RISIKO TERJADINYA KESALAHAN BERULA TRAINING TRAINING THREE PILLAR CONTROL IN THE FRAMEWORK OF MITIGATION RISK OF MULTIPLE ERROR JAKARTA EXTERNAL 43 PELATIHAN PERMASALAHAN DAN KENDALA BANK DALAM MELAKSANAKAN KEWAJIBAN PELAPORAN KE PPATK DLM RANGKA M TRAINING PROBLEM AND BANK CONSTRAINTS IN IMPLEMENTING REPORTING REPORT TO PPATK DLM FRAMING M JAKARTA EXTERNAL 44 PELATIHAN PERHITUNGAN PPH BADAN: EVALUASI ASET TETAP DAN ISSUE-ISSUE PERPAJAKAN TERKINI TRAINING COACHING PPH AGENCY: FIXED ASSETS EVALUATION AND RESTRICTED TAX ISSUES JAKARTA EXTERNAL 45 PELATIHAN PENYUSUNAN CORPORATE PLAN DALAM RANGKA PROGRAM TRANSFORMASI BPD TRAINING CORPORATE PLAN TRAINING IN THE FRAMEWORK OF TRANSFORMATION PROGRAM BPD JAKARTA EXTERNAL 46 PELATIHAN MENDETEKSI KECURANGAN DALAM PROSES PENGADAAN BARANG DAN JASA TRAINING DETECTING LACK IN PROCUREMENT PROCESS OF GOODS AND SERVICES JAKARTA EXTERNAL 47 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT MANADO EXTERNAL 48 DIKLAT PINCAB ANGKATAN KE-182 CLICKED PINCAB 18th DEFENSE JAKARTA EXTERNAL 49 PELATIHAN ANALISA KREDIT RETAIL UMKM TRAINING CREDIT ANALYSIS OF RETAIL SMEs JAKARTA EXTERNAL 50 PELATIHAN BRANCH MANAGER INNOVATION PROGRAM BRANCH MANAGER INNOVATION PROGRAM TRAINING JAKARTA EXTERNAL 184 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 51 PELATIHAN PENANGANAN BENTURAN KEPENTINGAN TRAINING HANDLING OF INTERESTS OF INTERESTS JAKARTA EXTERNAL 52 WORKSGOP IMPLEMENTASI PROSEDUR DAN TATA CARA LELANG PENGHAPUSAN ASET DI PERUSAHAAN SWASTA, BUMN DAN WORKSGOP IMPLEMENTATION OF PROCEDURES AND PROCEDURES OF AUCTION DELETE OF ASSETS IN PRIVATE COMPANY, BUMN AND BANDUNG EXTERNAL 53 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT MANADO EXTERNAL 54 PELATIHAN CREDIT ADMINISTRATION CREDIT ADMINISTRATION TRAINING YOGYAKARTA EXTERNAL 55 PELATIHAN CORPORATE CREDIT ANALYST CORPORATE CREDIT ANALYST TRAINING YOGYAKARTA EXTERNAL 56 PELATIHAN WEB PROGRAMMING WEB PROGRAMMING TRAINING JAKARTA EXTERNAL 57 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT MANADO EXTERNAL 58 PELATIHAN AUDIT OPERASIONAL OPERATIONAL AUDIT TRAINING BOGOR EXTERNAL 59 PELATIHAN GENERAL BANKING HUKUM PERBANKAN GENERAL BANKING TRAINING BANKING LAW JAKARTA EXTERNAL 60 PELATIHAN FRAUD AUDITING TRAUD TRAINING AUDITING JAKARTA EXTERNAL 61 PELATIHAN GENERAL BANKING ETIKA BANKIR GENERAL BANKING TRAINING BANKING ETHICS JAKARTA EXTERNAL 62 PELATIHAN GENERAL BANKING DASAR- DASAR AKUNTANSI GENERAL BANKING TRAINING BASICS OF ACCOUNTING JAKARTA EXTERNAL 63 PELATIHAN GENERAL BANKING BASIC CREDIT MANAGEMENT GENERAL BANKING TRAINING BASIC CREDIT MANAGEMENT JAKARTA EXTERNAL 64 PELATIHAN GENERAL BANKING ANALISA LAPORAN KEUANGAN BANK GENERAL BANKING TRAINING ANALYSIS OF BANK FINANCIAL STATEMENTS JAKARTA EXTERNAL 65 PELATIHAN GENERAL BANKING GENERAL BANKING TRAINING JAKARTA EXTERNAL 66 GENERAL BANKING SISTEM PERBANKAN INDONESIA GENERAL BANKING INDONESIAN BANKING SYSTEM JAKARTA EXTERNAL 67 PELATIHAN GENERAL BANKING PRODUKJASA BANK GENERAL BANKING TRAINING PRODUCTS SERVICES BANK JAKARTA EXTERNAL 68 PELATIHAN AUDIT KECURANGAN AUDIT TRAINING TRAINING BOGOR EXTERNAL 69 INHOUSE TRAINING MANAJEMEN RISIKO INHOUSE TRAINING RISK MANAGEMENT MANADO INTERNAL 70 PROGRAM SEKOLAH STAFF DAN PIMPINAN BANK SESPIBANK SCHOOL STAFF PROGRAM AND LEADERSHIP BANK SESPIBANK JAKARTA EXTERNAL 71 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT JAKARTA EXTERNAL 72 UJI KOMPETENSI MANAJEMEN RISIKO LEVEL 4 TEST OF LEVEL RISK MANAGEMENT COMPETENCE 4 JAKARTA EXTERNAL 73 PELATIHAN LOAN SYNDICATION TRAINING LOAN SYNDICATION YOGYAKARTA EXTERNAL 74 PELATIHAN CREDIT VERIFICATION CREDIT VERIFICATION TRAINING YOGYAKARTA EXTERNAL 75 BECHMARKING KE LUAR NEGERI BECHMARKING TO OVERSEAS AUSTRALIA EXTERNAL 76 TRAINING FIXED ASSET MANAGEMENT TRAINING FIXED ASSET MANAGEMENT BANDUNG EXTERNAL 77 PELATIHAN KHUSUS FKDKP PPATK BATCH 2 IDENTIFIKASI TRANSAKSI KEUANGAN MENCURIGAKAN SPECIAL TRAINING FKDKP PPATK BATCH 2 IDENTIFICATION OF SUSPICIOUS FINANCIAL TRANSACTIONS JAKARTA EXTERNAL 78 WORKSHOP PEMBIAYAAN BPD KEPADA MULTI FINANCE WORKSHOP FUNDING BPD TO MULTI FINANCE JAKARTA EXTERNAL 79 PELATIHAN MANAJEMEN RISIKO LIKUIDITAS DAN CONTINGENCY FUNDING PLAN RISK MANAGEMENT LIQUIDITY RISK AND CONTINGENCY FUNDING PLAN BATAM EXTERNAL 80 PELATIHAN BECOMING EFFECTIVE TRAINER FOR YOUR STAFF TRAINING EFFECTIVE TRAINER FOR YOUR STAFF TRAINING YOGYAKARTA EXTERNAL 81 PELATIHAN EXCELLENT CRITICAL THINKING SKILLS EXCELLENT CRITICAL THINKING SKILLS TRAINING JAKARTA EXTERNAL 82 CLASSROOM TRAINING AO KUMS WIL GORONTALO CLASSROOM TRAINING AO KUMS WIL GORONTALO GORONTALO INTERNAL 83 PELATIHAN GCG A TO Z GCG: IMPLEMENTASI SECARA UTUH BAGI SELURUH UNIT KERJA TERKAIT GCG TRAINING A TO Z GCG: IMPLEMENTATION AS WHOLE FOR ALL RELATED WORK UNIT BALI EXTERNAL 185 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 84 PELATIHAN PENINGKATAN PEMAHAMAN TENTANG PROSEDUR AUDIT KEBIJAKAN DAN AKTIVITAS TREASURYALMAALCO TRAINING INCREASES UNDERSTANDING THE AUDIT POLICY AND ACTIVITIES TREASURY ALMA ALCO PROGRAM BATAM EXTERNAL 85 SEMINAR PERTUMBUHAN BPD DI ERA DIBERLAKUKANNYA PMK NO.235 PMK.072015 TENTANG KONVERSI PENYALURAN DB BPD GROWTH SEMINAR IN THE ERA TAKEN OFF PMK NO.235 PMK.07 2015 ON CONVERSION OF DB DISTRIBUTION RIAU EXTERNAL 86 PELATIHAN MOTIVASI CHANGE YOUR LIFE, CHANGE YOUR HABIT MOTIVATION TRAINING CHANGE YOUR LIFE, CHANGE YOUR HABIT MALANG EXTERNAL 87 PELATIHAN FRAUD AUDITING I TRAINING TRAUD AUDITING I JAKARTA EXTERNAL 88 PELATIHAN ANALISIS KREDIT KOMERSIAL DAN KORPORASI TRAINING OF COMMERCIAL AND CORPORATE CREDIT ANALYSIS 89 PELATIHAN CSR COMMUNITY DEVELOPMENT TRAINING CSR COMMUNITY DEVELOPMENT BANDUNG EXTERNAL 90 PELATIHAN CUSTOMER SERVICE EXCELLENT CUSTOMER SERVICE EXCELLENT TRAINING BANDUNG EXTERNAL 91 PELATIHAN CASH FLOW MANAGEMENT CASH FLOW MANAGEMENT TRAINING BANDUNG EXTERNAL 92 WORKSHOP ASPEK LEGAL EKSEKUSI JAMINAN KREDIT BERMASALAH SERTA PROSEDUR DAN TATACARA LELANGNYA BERDAS WORKSHOP LEGAL ASPECT OF EXECUTION OF PROBABLY CREDIT WARRANTY AND PROCEDURES AND PROCEDURES OF THE AUCTION BANDUNG EXTERNAL 93 PELATIHAN PENGELOLAAN TUGAS- TUGAS AUDIT TRAINING MANAGEMENT OF AUDIT TASKS BOGOR EXTERNAL 94 PELATIHAN KOMUNIKASI AUDIT DAN PSIKOLOGI AUDIT AUDIT COMMUNICATION TRAINING AND AUDIT PSYCHOLOGY BOGOR EXTERNAL 95 PELATIHAN STRATEGI ANTI FRAUD BANKING TRAINING STRATEGY ANTI FRAUD BANKING YOGYAKARTA EXTERNAL 96 PELATIHAN KEHUMASAN ARTIFICIAL TRAINING BANDUNG EXTERNAL 97 PELATIHAN IMPLEMENTASI PSAK 50 55 DI DUNIA PERBANKAN TRAINING IMPLEMENTATION OF SFAS 50 55 IN BANKING WORLD SURABAYA EXTERNAL 98 PROGRAM PEMBEKALAN DAN SERTIFIKASI PERENCANAAN KEUANGAN MODUL 3 PROGRAM OF MANAGEMENT AND CERTIFICATION OF FINANCIAL PLANNING MODULE 3 MANADO EXTERNAL 99 TRAINING OPERATIONAL RISK MANAGEMENT INTERNAL CONTROL TRAINING OPERATIONAL RISK MANAGEMENT INTERNAL CONTROL BANDUNG EXTERNAL 100 PELATIHAN TEMATIK PELAPORAN LBU 2008 TAHUN 2016 TRAINING OF LBU 2008 REPORTING TEMATIC PLATES 2016 SOLO EXTERNAL 101 SERTIFIKASI GENERAL BANKING LEVEL III CERTIFICATION OF GENERAL BANKING LEVEL III JAKARTA EXTERNAL 102 WORKSHOP DATA QUALITY CONTROL SISTEM INFORMASI DEBITUR SID WORKSHOP DATA QUALITY CONTROL DEBTOR INFORMATION SYSTEM SID JAKARTA EXTERNAL 103 PELATIHAN IDENTIFIKASI TRANSAKSI KEUANGAN MENCURIGAKAN TRAINING IDENTIFICATION OF SUSPICIOUS FINANCIAL TRANSACTIONS JAKARTA EXTERNAL 104 WORKSHOP HUKUM PIDANA KORPORASI CORPORATE CRIMINAL WORKSHOP BANDUNG EXTERNAL 105 WORKSHOP CREDIT REMEDIAL LEGAL ASPECT: PROSEDUR LENGKAP ASPEK HUKUM DALAM PENYELESAIAN KREDIT BERMAS WORKSHOP CREDIT REMEDIAL LEGAL ASPECT: FULL ASPECT PROCEDURES IN COMPLETE CREDIT SETTLEMENT JAKARTA EXTERNAL 106 PELATIHAN ESSENTIAL LEADERSHIP REFRESHMENT PROGRAM TRAINING ESSENTIAL LEADERSHIP REFRESHMENT PROGRAM JAKARTA EXTERNAL 107 WORKSHOP PENINGKATAN KOMPETENSI DIREKTUR KEPATUHAN BANK MENGHADAPI SITUASI POLITINK DAN EKONOMI YANG WORKSHOP OF COMPETENCY INCREASING DIRECTOR OF COMPLIANCE BANKS DEALING WITH THE POLITINK AND ECONOMIC SITUATION JAKARTA EXTERNAL 108 WORKSHOP MENINGKATKAN KOMPETENSI PEMBIAYAAN INFRASTRUKTUR BPDSI WORKSHOP IMPROVE THE COMPETENCE OF FINANCING INFRASTRUCTURE BPDSI BANDUNG EXTERNAL 109 PELATIHAN MANAJEMEN PELAYANAN UMUM MANAGEMENT TRAINING OF GENERAL SERVICES YOGYAKARTA EXTERNAL 186 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 110 PELATIHAN MANAJEMEN RISIKO LEVEL IV LEVEL RISK MANAGEMENT TRAINING IV SURABAYA EXTERNAL 111 PELATIHAN STUDY KELAYAKAN PEMBUKAAN JARINGAN KANTOR TRAINING STUDY FEASIBILITY OF OPENING OFFICE NETWORKS YOGYAKARTA EXTERNAL 112 PELATIHAN BASEL III: MENINGKATKAN PENGELOLAAN LIKUIDITAS DAN STRATEGI PENGUATAN PERMODALAN BASEL III TRAINING: IMPROVING LIQUIDITY MANAGEMENT AND CAPITAL MARKET STRATEGY JAKARTA EXTERNAL 113 EDUKASI WORKSHOP LKPBU FORM LAPORAN PEJABAT EKSEKUTIF, TENAGA KERJA, JARINGAN KANTOR, DAN LAPORAN PU EDUCATION OF WORKSHOP LKPBU FORM REPORTS OF EXECUTIVE OFFICERS, LABOR, OFFICE NETWORK, AND PU REPORT JAKARTA EXTERNAL 114 PELATIHAN MONITORING SUPERVISI KREDIT MONITORING TRAINING CREDIT SUPERVISION BANDUNG EXTERNAL 115 PELATIHAN ADVANCED PROFESSIONAL SECRETARY ADVANCED PROFESSIONAL SECRETARY TRAINING BANDUNG EXTERNAL 116 TATA CARA PENILAIAN KECUKUPAN KEBIJAKAN DAN PROSEDUR AKTIVITAS TREASURY ALMA ALCO SERTA IMPLEMENTASI PROCEDURE FOR ASSESSMENT OF POLICY ADOPTION AND PROGRAM OF TREASURY ALMA ALCO ACTIVITIES AND IMPLEMENTATION BATAM EXTERNAL 117 PELATIHAN KEPAILITAN, HAPUS TAGIH DAN PEMELIHARAAN ASET TRAINING KEPAILITAN, DELETE AND MAINTENANCE OF ASSETS BOGOR EXTERNAL 118 PELATIHAN CREDIT SUPERVISION CREDIT SUPERVISION TRAINING JAKARTA EXTERNAL 119 PELATIHAN PR, MEDIA RELATIONS CORPORATE COMMUNICATION PR TRAINING, MEDIA RELATIONS CORPORATE COMMUNICATION BANDUNG EXTERNAL 120 SEMINAR MENINGKATKAN DAYA SAING PERBANKAN DALAM MENDUKUNG PERTUMBUHAN EKONOMI YANG TINGGI SEMINAR INCREASES POWER OF BANKING IN SUPPORTING HIGH ECONOMIC GROWTH JAKARTA EXTERNAL 121 PELATIHAN PPH 21-2016 UPDATE KONSEP DASAR,PERUBAHAN PERHITUNGAN,DAN PELAPORAN ESPT TRAINING PPH 21-2016 UPDATE BASIC CONCEPTS, CALCULATIONS CALCULATIONS, AND ESPT REPORTING JAKARTA EXTERNAL 122 PROGRAM PEMBEKALAN DAN SERTIFIKASI PERENCANAAN KEUANGAN MODUL 3 PROGRAM OF MANAGEMENT AND CERTIFICATION OF FINANCIAL PLANNING MODULE 3 MANADO EXTERNAL 123 WORKSHOP SINKRONISASI RASIO - RASIO KEUANGAN DALAM RENCANA BISNIS BANK RBB, RASIO - RASIO PADA PEN WORKSHOP SINKRONIZATION RATIO - FINANCIAL RATIO IN BANK BUSINESS PLAN RBB, RATIO ON PEN JAKARTA EXTERNAL 124 PEMELIHARAAN SERTIFIKASI MANAJEMEN RISIKO TK 3 MAINTENANCE OF TK RISK MANAGEMENT CERTIFICATION 3 MANADO EXTERNAL 125 PEMELIHARAAN SERTIFIKASI MANAJEMEN RISIKO TINGKAT 2 MAINTENANCE OF RISK MANAGEMENT CERTIFICATION LEVEL 2 MANADO EXTERNAL 126 PEMELIHARAAN SERTIFIKASI MANAJEMEN RISIKO TINGKAT 1 MAINTENANCE OF RISK MANAGEMENT CERTIFICATION LEVEL 1 MANADO EXTERNAL 127 HIGH LEVEL SEMINAR WORKSHOP TRANSFORMASI BPD HIGH LEVEL SEMINAR WORKSHOP TRANSFORMATION BPD JAKARTA EXTERNAL 128 PELATIHAN SERTIFIKASI MANAJEMEN RISIKO TINGKAT 2 TRAINING CERTIFICATION OF RISK MANAGEMENT LEVEL 2 MANADO EXTERNAL 129 SOSIALISASI PENERIMAAN NEGARA MPN G2 SOCIALIZATION OF STATE REVENUES MPN G2 MANADO EXTERNAL 130 PELATIHAN SERTIFIKASI MANAJEMEN RISIKO TINGKAT 1 TRAINING CERTIFICATION OF RISK MANAGEMENT LEVEL 1 MANADO EXTERNAL 131 PELATIHAN SERTIFIKASI MANAJEMEN RISIKO TINGKAT 3 TRAINING RISK MANAGEMENT CERTIFICATION LEVEL 3 MANADO EXTERNAL 132 SEMINAR RAPAT KERJA WILAYAH FKDKP WILAYAH TENGAH TAHUN 2016 WORKING SEMINAR MEETING OF FKDK P AREA IN THE 2016 CENTRAL AREA BANDUNG EXTERNAL 133 SEMINAR NASIONAL KEARSIPAN BERTAJUK PROVIDING QUALITY DIGITAL RECORDS NATIONAL SEMINAR KEARSIPAN APPLY PROVIDING QUALITY DIGITAL RECORDS JAKARTA EXTERNAL 134 UJIAN SERTIFIKASI MANAJEMEN RISIKO LEVEL 3 LULUS LEVEL RISK MANAGEMENT LEVEL 3 LEVEL CERTIFICATION PASS MANADO EXTERNAL 135 UJIAN SERTIFIKASI MANAJEMEN RISIKO LEVEL 2 LULUS CERTIFICATION OF LEVEL RISK MANAGEMENT LEVEL 2 PASS MANADO EXTERNAL 187 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 136 UJIAN SERTIFIKASI MANAJEMEN RISIKO LEVEL 1 LULUS LEVEL RISK MANAGEMENT LEVEL 1 LEVEL CERTIFICATION PASS MANADO EXTERNAL 137 PROGRAM PEMBEKALAN DAN SERTIFIKASI PERENCANAAN KEUANGAN MODUL 3 PROGRAM OF MANAGEMENT AND CERTIFICATION OF FINANCIAL PLANNING MODULE 3 MANADO EXTERNAL 138 PELATIHAN PENINGKATAN PEMAHAMAN TENTANG SELF ASSESSMENT PENILAIAN GCG DAN TATA CARA PENYUSUNAN LAPOR TRAINING INCREASES UNDERSTANDING ABOUT SELF ASSESSMENT GCG ASSESSMENT AND PROCEDURES FOR COMPANY DEVELOPMENT GORONTALO EXTERNAL 139 PROGRAM PEMELIHARAAN SERTIFIKASI MANAJEMEN RISIKO MAINTENANCE PROGRAM FOR RISK MANAGEMENT CERTIFICATION JAKARTA EXTERNAL 140 WORKSHOP SERVICE LEADERSHIP FOR SENIOR MANAGER WORKSHOP SERVICE LEADERSHIP FOR SENIOR MANAGER MANADO EXTERNAL 141 PENINGKATAN PEMAHAMAN TENTANG SELF ASSESSMENT PENILAIAN GCG TATA CARA PENYUSUNAN LAPORAN INCREASED UNDERSTANDING ABOUT SELF ASSESSMENT GCG ASSESSMENT PROCEDURES FOR REPORTING MANADO EXTERNAL 142 WORKSHOP SERVICE LEADERSHIP FOR SENIOR MANAGER WORKSHOP SERVICE LEADERSHIP FOR SENIOR MANAGER MANADO EXTERNAL 143 TRAINING RISK MANAGEMENT FOR BANKING TRAINING RISK MANAGEMENT FOR BANKING JAKARTA EXTERNAL 144 UJIAN SMR LEVEL III EXAM SMR LEVEL III JAKARTA EXTERNAL 145 UJIAN SMR LEVEL II SMR LEVEL II EXAM JAKARTA EXTERNAL 146 GRAFONOMI GRAPHONOMY MANADO EXTERNAL 147 GRAFONOMI GRAPHONOMY MANADO EXTERNAL 148 UJIAN SMR LEVEL IV TEST SMR LEVEL IV JAKARTA EXTERNAL 149 PELATIHAN PENGADAAN BARANG DAN JASA TRAINING PROCUREMENT OF GOODS AND SERVICES JAKARTA EXTERNAL 150 PELATIHAN DAN UJIAN SMR LEVEL V TRAINING AND EXAMING SMR LEVEL V JAKARTA EXTERNAL 151 PELATIHAN DAN UJIAN SMR LEVEL IV TRAINING AND SMR LEVEL EXAMINATION IV JAKARTA EXTERNAL 152 PENINGKATAN PEMAHAMAN TENTANG SELF ASSESSMENT PENILAIAN GCG TATA CARA PENYUSUNAN LAPORAN GCG INCREASING UNDERSTANDING ABOUT SELF ASSESSMENT GCG ASSESSMENT PROCEDURES FOR PREPARATION OF GCG REPORTS MANADO EXTERNAL 153 PELATIHAN CREDIT VERIVICATION CREDIT VERIVICATION TRAINING BANDUNG EXTERNAL 154 PELATIHAN CREDIT ANALYSIS, MONITORING AND PROBLEM SOLVING CREDIT ANALYSIS TRAINING, MONITORING AND PROBLEM SOLVING BANDUNG EXTERNAL 155 ONE DAY WORKSHOP TENTANG PERENCANAAN STRATEGIS PENGELOLAAN SDM UTK MENUNJANG KINERJA BISNIS ONE DAY WORKSHOP ABOUT STRATEGIC PLANNING MANAGEMENT HR UTK SUPPORT BUSINESS PERFORMANCE JAKARTA EXTERNAL 156 PELATIHAN PUBLIK TRANING TENTANG TINDAK PIDANA PENCUCIAN UANG DAN PERANAN BANK UMUM UNTUK MENCEGAHNY TRANING PUBLIC TRAINING ON CRIME MONEY LAUNDERING AND THE ROLE OF COMMERCIAL BANKS FOR PREVENTING JAKARTA EXTERNAL 157 UJIAN SMR LEVEL V EXAM SMR LEVEL V JAKARTA EXTERNAL 158 PELATIHAN TENTANG PENGELOLAAN TUGAS-TUGAS AUDIT TRAINING ON AUDIT MANAGEMENT TASK BOGOR EXTERNAL 159 PELATIHAN AUDIT OPERASIONAL OPERATIONAL AUDIT TRAINING BOGOR EXTERNAL 160 PELATIHAN THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES TRAINING THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES MANADO INTERNAL 161 PELATIHAN TATACARA PENYUSUNAN KEBIJAKAN REMUNERASI DALAM RANGKA IMPLEMENTASI POJK 45 POJK032015 MEL TRAINING PROCEDURES FOR PREPARATION OF REMUNERATION POLICY IN THE ORDER OF POJK IMPLEMENTATION 45 POJK03 2015 MEL JAKARTA EXTERNAL 162 PELATIHAN PENILAIAN AGUNAN DAN ADMINISTRASI KREDIT BATCH 1 TRAINING ASSESSMENT AND ADMINISTRATIVE CREDIT BATCH 1 MANADO EXTERNAL 163 PELATIHAN STRATEGI ANTI FRAUD DAN PENANGANAN BERBAGAI KASUS FRAUD DI PERBANKAN TRAINING ANTI FRAUD STRATEGY AND HANDLING OF FRAUD CASES IN BANKING BALIKPAPAN EXTERNAL 188 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 164 PELATIHAN DAN UJIAN SMR LEVEL IV TRAINING AND SMR LEVEL EXAMINATION IV JAKARTA EXTERNAL 165 PELATIHAN CCNA SECURITY CCNA SECURITY TRAINING JAKARTA EXTERNAL 166 PELATIHAN PENILAIAN PEMBERIAN KREDIT INVESTASI BATCH 1 TRAINING ASSESSMENT OF INVESTMENT CREDIT BATCH 1 MANADO EXTERNAL 167 PELATIHAN THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES TRAINING THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES MANADO EXTERNAL 168 PELATIHAN PROSEDUR PELAKSANAAN HAPUS TAGIH DAN AGUNAN YG DI AMBIL ALIH AYDA TRAINING PROCEDURES FOR IMPLEMENTATION OF REMOVING AND ANNOUNCES IN TAKE ALIH AYDA YOGYAKARTA EXTERNAL 169 PELATIHAN FRAUD AUDITING I TRAINING TRAUD AUDITING I JAKARTA EXTERNAL 170 PELATIHAN MANAJEMEN RISIKO KEUANGAN DAN NON KEUANGAN TRAINING OF FINANCIAL AND NON FINANCIAL RISK MANAGEMENT BALI EXTERNAL 171 PELATIHAN CREDIT ANALYSIS,MONITORING,AND PROBLEM SOLVING CREDIT ANALYSIS, MONITORING, AND PROBLEM SOLVING TRAINING BANDUNG EXTERNAL 172 PELATIHAN CREDIT VERIVICATION CREDIT VERIVICATION TRAINING BANDUNG EXTERNAL 173 PELATIHAN TATACARA PELAKSANAAN RISET DALAM RANGKA PENGEMBANGAN PRODUK DAN AKTIVITAS BARU TRAINING PROCEDURE FOR IMPLEMENTATION OF RESEARCH IN PRODUCT DEVELOPMENT FRAMEWORK AND NEW ACTIVITY JAKARTA EXTERNAL 174 PELTIHAN MANAJEMEN TATA KELOLA ARSIP PERBANKAN DAN TANGGUNG JAWAB HUKUMNYA MANAGEMENT OF GOVERNANCE MANAGEMENT ARCHIVES AND ITS LEGAL Responsibility JAKARTA EXTERNAL 175 PELATIHAN IN HOUSE TRAINING MEMBANGUN BUDAYA PERUSAHAAN CORPORATE CULTURE MELALUI PEMBANGUNAN BUDA TRAINING IN HOUSE TRAINING COMPANY CORPORATE CULTURE THROUGH DEVELOPMENT OF CULTURE JEPANG EXTERNAL 176 PELATIHAN PETUGAS LBU CABANG TRAINING OF BRANCH LBU MANADO INTERNAL 177 PELATIHAN CREDIT SUPERVISION CREDIT SUPERVISION TRAINING BANDUNG EXTERNAL 178 PELATIHAN ANTISIPASI DAMPAK PERUBAHAN PTKP 2016 DAN PROSEDUR PEMBETULAN SPT MASA PPH21 TRAINING ANTICIPATION OF IMPACT OF 2016 PTKP CHANGES AND PROCEDURES OF SPT MASA PPH21 JAKARTA EXTERNAL 179 IN HOUSE TRAINING KONTROL INTERN CABANG TRIWULAN II IN HOUSE TRAINING INTERNAL CONTROL TRANSWORD II JAKARTA EXTERNAL 180 PELATIHAN STANDARISASI PELAYANAN PRIMA UTK MEMENANGKAN PERSAINGAN DLM PELAYANAN DAN PENGAMANAN PERBA TRAINING STANDARIZE SERVICE PRIMA UTK WINS THE COMPETITION OF DLM SERVICES AND SAFEGUARDS SURABAYA EXTERNAL 181 PELATIHAN THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES TRAINING THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES GORONTALO INTERNAL 182 REFRESHMENT TRAINING AO KUMS REFRESHMENT TRAINING AO KUMS MANADO EXTERNAL 183 TRAINING CERTIFIED HUMAN RESOURCES PROFESIONAL TRAINING CERTIFIED HUMAN RESOURCES PROFESIONAL JAKARTA EXTERNAL 184 PELATIHAN THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES TRAINING THE ESSENTIALS OF RESIDENTIAL MORTGAGE BANKING BEST PRACTICES GORONTALO INTERNAL 185 PELATIHAN AUDIT KECURANGAN AUDIT TRAINING TRAINING BOGOR EXTERNAL 186 PELATIHAN PENINGKATAN PEMAHAMAN TTG MAKRO EKONOMI KAITANNYA DGN PENYUSUNAN RENCANA BISNIS BANK TRAINING MAKRO UNDERSTANDING OF MACRO TTG ECONOMICS RELATIONSHIP DGN BUSINESS BANKING PLAN PREPARATION JAKARTA EXTERNAL 187 PELATIHAN SERVICE EXCELLENCE FOR NON BANKING BISNIS TRAINING SERVICE EXCELLENCE FOR NON BANKING BUSINESS JAKARTA EXTERNAL 188 PELATIHAN PENILAIAN AGUNAN DAN ADMINISTRASI KREDIT BATCH 2 TRAINING ASSESSMENT AND ADMINISTRATIVE CREDIT BATCH 2 MANADO EXTERNAL 189 PELATIHAN TATACARA PENYUSUNAN KEBIJAKAN REMUNERASI DLM RNGKA IMPLEMENTASI POJK MELALUI GAP TRAINING PROCEDURES FOR PREPARATION OF REMUNERATION POLICY DLM RNGKA IMPLEMENTATION POJK THROUGH GAP JAKARTA EXTERNAL 189 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 190 PELATIHAN DAN UJIAN SMR LEVEL V TRAINING AND EXAMING SMR LEVEL V JAKARTA EXTERNAL 191 PELATIHAN PENILAIAN PEMBERIAN KREDIT INVESTASI BATCH 2 TRAINING ASSESSMENT OF INVESTMENT CREDIT BATCH 2 MANADO EXTERNAL 192 PELATIHAN SURAT BERHARGA DAN PASAR MODAL TRAINING OF SECURITIES AND CAPITAL MARKETS BALI EXTERNAL 193 SEMINAR INTERNASONAL EFISIENSI DAN STABILITAS KEUANGAN DAERAH BPK RI INTERNATIONAL SEMINAR OF EFFICIENCY AND FINANCIAL STABILITY OF BPK RI LOMBOK EXTERNAL 194 DIKLAT PINCAB ANGK 183 DAN BENCHMARKING MENGUNJUNGI BANK DILUAR NEGERI CLICKED PINCAB ANGK 183 AND BENCHMARKING VISITING BANK OVERSEAS JAKARTA EXTERNAL 195 PELATIHAN PENILAIAN JAMINAN KREDIT BANK TRAINING ASSESSMENT OF BANK CREDIT GUARANTEE YOGYAKARTA EXTERNAL 196 PELATIHAN PPN,PPH 21, DAN E FAKTUR VAT TRAINING, PPH 21, AND E FACTOR BALI EXTERNAL 197 PELATIHAN DAN PENCEGAHAN FRAUD TERKINI DI LINGKUNGAN PERBANKAN TRAINING AND PREVENTION OF RECENT FRAUD IN BANKING ENVIRONMENT JAKARTA EXTERNAL 198 PELATIHAN MANAJEMEN RISIKO,TATA KELOLA,PERMODALAN PROSES PEMBENTUKAN PROFIL RESIKO TERINTEGRASI,MENG RISK MANAGEMENT TRAINING, GOVERNANCE, CAPITAL PROCESS FORMATION OF INTEGRATED RISK PROFILE, MENG JAKARTA EXTERNAL 199 PELATIHAN PERENCANAAN STRATEGIS PANDUAN PENYUSUNAN RENCANA DAN ACTION PLAN SESUAI VALUE BANK TRAINING STRATEGIC PLANNING GUIDE PLANNING PLAN AND ACTION PLAN ACCORDING TO VALUE BANK JAKARTA EXTERNAL 200 PELATIHAN BASIC TREASURY MANAG EMENT,UNDERSTANDING,TREASURY ACTIVITIES,PRODUCTSRISK INVOLVED TRAINING OF BASIC TREASURY MANAGEMENT, UNDERSTANDING, TREASURY ACTIVITIES, PRODUCTS RISK INVOLVED BANDUNG EXTERNAL 201 PELATIHAN PENILAIAN AGUNAN DAN ADMINISTRASI KREDIT BATCH 3 TRAINING ASSESSMENT AND ADMINISTRATIVE CREDIT BATCH 3 MANADO EXTERNAL 202 PELATIHAN FRAUD AUDITING II TRAINING TRAUD AUDITING II JAKARTA EXTERNAL 203 SEKOLAH STAFF DAN PIMPINAN BANK ANGK 65 DILANJUTKAN BENCHMARKING BANK DILUAR NEGERI STAFF SCHOOLS AND LEADERSHIP BANK OF ANGK 65 CONTINUED BENCHMARKING BANK OVERSEAS JAKARTA EXTERNAL 204 UJIAN SMR LEVEL 2 SMR LEVEL EXAMPLE 2 JAKARTA EXTERNAL 205 PROGRAM PEMBEKALAN DAN SERTIFIKASI PERENCANAAN KEUANGAN MODUL 4 PROGRAM FOR MANAGEMENT AND CERTIFICATION OF FINANCIAL PLANNING MODULE 4 MANADO EXTERNAL 206 UJIAN SERTIFIKASI MANAJEMEN RISIKO TINGKAT III RISK MANAGEMENT CERTIFICATION TESTS LEVEL III JAKARTA EXTERNAL 207 WORKSHOP FRAUD AWARNESS DAN PERLINDUNGAN KONSUMEN PELAKU JASA KEUANGAN FRAUD AWARNESS WORKSHOP AND CONSUMER PROTECTION OF FINANCIAL SERVICES MANADO EXTERNAL 208 WORKSHOP FRAUD AWARNESS DAN PERLINDUNGAN KONSUMEN PELAKU JASA KEUANGAN FRAUD AWARNESS WORKSHOP AND CONSUMER PROTECTION OF FINANCIAL SERVICES MANADO EXTERNAL 209 WORKSHOP FRAUD AWARNESS DAN PERLINDUNGAN KONSUMEN PELAKU JASA KEUANGAN FRAUD AWARNESS WORKSHOP AND CONSUMER PROTECTION OF FINANCIAL SERVICES MANADO EXTERNAL 210 PROGRAM PEMBEKALAN DAN SERTIFIKASI PERENCANAAN KEUANGAN MODUL 4 PROGRAM FOR MANAGEMENT AND CERTIFICATION OF FINANCIAL PLANNING MODULE 4 MANADO EXTERNAL 211 WORKSHOP SERVICE LEADERSHIP FOR SENIOR MANAGER WORKSHOP SERVICE LEADERSHIP FOR SENIOR MANAGER MANADO EXTERNAL 212 PELATIHAN SMR LEVEL II SMR LEVEL II TRAINING MANADO EXTERNAL 213 PELATIHAN SMR LEVEL I SMR LEVEL TRAINING I MANADO EXTERNAL 214 PELATIHAN SMR LEVEL III SMR LEVEL III TRAINING MANADO EXTERNAL 215 UJIAN SMR LEVEL III EXAM SMR LEVEL III MANADO EXTERNAL 216 UJIAN SMR LEVEL I EXAM SMR LEVEL I MANADO EXTERNAL 217 UJIAN SMR LEVEL II SMR LEVEL II EXAM MANADO EXTERNAL 218 UJIAN SMR LEVEL III EXAM SMR LEVEL III MANADO EXTERNAL 190 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 NO. KEGIATAN DIKLAT TRAINING ACTIVITIES TEMPAT PELAKSANAAN PLACE OF EXECUTION PENYELENGGARA ORGANIZER 219 UJIAN SMR LEVEL I EXAM SMR LEVEL I MANADO EXTERNAL 220 UJIAN SMR LEVEL II SMR LEVEL II EXAM MANADO EXTERNAL 221 UJIAN SMR LEVEL III EXAM SMR LEVEL III MANADO EXTERNAL 222 UJIAN SMR LEVEL I EXAM SMR LEVEL I MANADO EXTERNAL 223 UJIAN SMR LEVEL II SMR LEVEL II EXAM MANADO EXTERNAL 224 UJIAN SMR LEVEL III EXAM SMR LEVEL III MANADO EXTERNAL 225 UJIAN SMR LEVEL I EXAM SMR LEVEL I MANADO EXTERNAL 226 UJIAN SMR LEVEL II SMR LEVEL II EXAM MANADO EXTERNAL 227 UJIAN SMR LEVEL III EXAM SMR LEVEL III MANADO EXTERNAL 228 UJIAN SMR LEVEL I EXAM SMR LEVEL I MANADO EXTERNAL 229 UJIAN SMR LEVEL II SMR LEVEL II EXAM MANADO EXTERNAL 230 UJIAN SMR LEVEL III EXAM SMR LEVEL III MANADO EXTERNAL 231 UJIAN SMR LEVEL I EXAM SMR LEVEL I MANADO EXTERNAL 232 UJIAN SMR LEVEL III EXAM SMR LEVEL III MANADO INTERNAL 233 PELATIHAN PETUGASA ATM TRAINING OF ATM SERVICE JAKARTA EXTERNAL 234 PELATIHAN SMR TINGKAT II SMR LEVEL TRAINING II JAKARTA EXTERNAL 235 UJIAN SMR TINGKAT II SMR TESTING LEVEL II MANADO EXTERNAL 236 SEMINAR MEMBENTUK BUDAYA KERJA DENGAN KEARIFAN LOKAL SEMINAR FORMING WORKING CULTURE WITH LOCAL SENSE MANADO EXTERNAL 237 ASSESSMENT PEJABAT PT. BANK SULUTGO ASSESSMENT OFFICERS PT. BANK SULUTGO MANADO EXTERNAL 191 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 Bank SulutGo telah melaksanakan sebanyak 319 program pendidikan dan pelatihan selama tahun 2016. Bank SulutGo has implemented 319 education and training programs during 2016. 192 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 KESEMPATAN YANG SAMA UNTUK MENDAPATKAN PELATIHAN Seluruh pegawai mempunyai kesempatan yang sama untuk mendapatkan pelatihan dalam rangka meningkatkan kompetensinya. Untuk itu, pada tahun 2016 Bank SulutGo melakukan penajaman kompetensi proil posisi-posisi bisnis, dan telah dilakukan inisiatif-inisiatif di bidang pengembangan pegawai, dan pada tahun 2016 hampir seluruh pegawai yang telah diikutkan dalam pelatihan dengan realisasi anggaran sebesar Rp36,929juta atau 7.16 dari total biaya tenaga kerja. EQUAL OPPORTUNITY TO GET TRAINING All employees have equal opportunity to receive training in order to improve their competence. For that reason, in 2016 the Bank SulutGo will strengthen the competency proile of business positions, and initiatives in the ield of employee development have been established, and by 2016 almost all employees who have been included in the training with budget realization amounted to Rp36.929 million or 7.16 of total labor costs. BEBAN BIAYA SDM Guna memberikan dukungan atas kebutuhan seluruh pegawai, maka Bank SulutGo ditahun 2016 telah mengeluarkan beban personalia sebesar Rp515,595 juta dimana terjadi peningkatan sebesar 41.27 dibandingkan tahun 2015 yakni sebesar Rp375.130 juta, sebagaimana yang tergambar pada tabel dibawah ini. HR EXPENSES In order to provide support for the needs of all employees, Bank SulutGo in 2016 has issued personnel expenses amounted to Rp515,595 million, which increase 41.27 compared to the year 2015 of Rp375,130 million, as illustrated in the table below. No Level Manajemen Level Management Jumlah Pefgawai Number Of Employees Rata-Rata Kesempatan Keikutsertaan Diklat Frekuensi Average The Particular Accuracy Chance Frequency 1 DIREKSI 5 6.60 2 KOMISARIS 5 4.80 3 JG-16 0.00 4 JG-15 3 6.00 5 JG-14 14 5.07 6 JG-13 3 5.67 7 JG-12 36 5.78 8 JG-11 16 4.56 9 JG-10 22 7.14 10 JG-9 51 6.10 11 JG-8 66 7.55 12 JG-7 109 4.29 13 JG-6 93 5.52 14 JG-5 553 3.04 15 JG-4 81 2.74 16 JG-3 132 2.47 17 JG-2 30 2.50 18 JG-1 32 2.28 19 KONTRAK- CONTRACT 450

2.38 RATA-RATA-AVERAGE

1701 3.43 193 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016 KOMPONEN REMUNERASI KESEJAHTERAAN PEGAWAI Guna memberikan motivasi pegawai, Bank mengatur kebijakan untuk mengeluarkan biaya yang tercatat sebagai komponen remunerasi dan kesejahteraan pegawai. Dana kesejahteraan yang telah dikeluarkan Bank selama tahun 2016 adalah sebesar Rp515,595 juta .Terjadi dimana terjadi peningkatan sebesar 41.27 dibandingkan tahun 2015 yakni sebesar Rp364,980juta, sebagaimana yang tergambar pada tabel dibawah ini. COMPONENTS OF EMPLOYEE REMUNERATION WELFARE In order to provide employee motivation, the Bank manages the policy to pay the costs recorded as components of remuneration and employee welfare. The welfare funds that Bank has incurred during 2016 amounted to Rp515,595 million. Increased by 41.27 compared to 2015 amounted to Rp364,980 million, as illustrated in the table below. Beban Personalia Bank SulutGo dari Tahun 2014 s.d 2016- Human Resources Expenses of Bank SulutGo from 2014 to 2016 BEBAN PERSONALIA 2014 2015 2016 Pertumbuhan- Growth PERSONNEL EXPRNSES Nominal • Gaji dan upah 72.867 83.612 106.159 22.547 26,97 Salaries And Wages • Tunjangan 192.101 205.542 326.767 121.225 58,98 Allowance • Honorarium 6.473 33.973 33.538 435 1,28 Honorarium • Pendidikan dan latihan 30.884 40.985 36.929 4.056 9,90 Education And Training • Imbalan pasca kerja 8.958 866 12.202 11.335 1.308,16 Post-Employment Ben- efits Jumlah 311.283 364.979 515.595 150.616 41,27 Amount Komponen Remunerasi Kesejahteraan Pegawai Bank SulutGo- Components of Remuneration of Welfare of Bank SulutGo Employees KOMPONEN 2014 2015 2016 Pertumbuhan- Growth COMPONENT Nominal • Gaji dan Upah 65.547 79.305 97.914 18.609 23,47 Salary and Wages • Honorium Pegawai Kontrak 7.320 4.307 3.277 1.030 -23,91 Honorium Contract Employee • Tunjangan Kesehatan - - 0,00 Health Allowance • Tunjangan Perumahan 2.921 4.794 262 4.532 -94,54 Housing Allowance • Tunjangan Jabatan 13.597 16.457 43.398 26.941 163,70 Positional Allowance • Tunjangan Khusus 2.817 3.457 3.960 503 14,55 Special Allowance • Tunjangan Transpot 3.268 3.512 583 2.929 -83,40 Transpot Allowance • Tunjangan PPh Pasal 21 Pegawai 32.379 30.258 37.840 7.582 25,06 Income Tax Benefit Article 21 Employee • Tunjangan Kesejahtraan 54 - 54 Welfare Allowance • Honor Pegawai Kontrak melalui Pihak III 21.725 27.456 28.611 1.155 4,21 Honorarium of of Contract Employee through 3rd Party • Honorarium Dewan Komisaris 2.997 2.997 3.179 182 6,08 Honorarium of the Board of Commissioners • Honor Komite 408 408 408 - 0,00 Honorarium of Committee • Honorarium PPh Pasal 21 Dekom 2.818 3.113 1.340 1.773 -56,96 Honorarium of Income Tax Article 21 Dekom • Uang Cuti Dewan komisaris 250 628 - 628 Board of Commissioners Leave Money • KesehatanPengobatan Dekom 100 135 102 33 -24,58 BOC Health Medicine • Tunjangan Hari Raya Dewan Komisaris 743 0,00 Allowance for the Feast of the Board of Commissioners Dalam Jutaan Rupiah In million rupiah Dalam Jutaan Rupiah In million rupiah 194 Laporan Tahunan BANK SULUTGO 2016 | Annual Report BANK SULUTGO 2016