SUMBER DAYA MANUSIA HUMAN RESOURCES

I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 166 JUMLAH DAN TINGKAT PENDIDIKAN Jumlah SDM yang dimiliki Perseroan pada tahun 2015 sebanyak 198 orang, jumlah ini mengalami peningkatan disbanding tahun 2014 yang berjumlah 195 orang. Adapun komposisi dan jumlah karyawan berdasarkan tingkat pendidikan dan usia adalah sebagaimana tabel berikut : Komposisi Karyawan Berdasarkan Pendidikan Pasca Sarjana Sarjana Akademi SMU SMP SD 10 62 22 87 12 2 10 63 20 90 13 2 Post Graduate Under Graduate Academy High Scool Junior High School Elementary School 2 0 1 4 2 0 1 5 195 198 Komposisi Karyawan Berdasarkan Usia 50 Tahun 40 - 49 tahun 30 - 39 tahun 20 - 29 tahun 20 tahun 13 46 61 71 4 15 50 60 73 50 Years Old 40 - 49 Years Old 30 - 39 Years Old 20 - 29 Years Old 20 Years Old 2 0 1 4 2 0 1 5 195 198 Amount and Level of Education The employee per 2015 was 198 employees. This amount was increasing compare to previous year with the figure was 195 employee. The composition and amount based on education and age are: Employee Composition Based on Education Employee Composition Based on Age PT BANK DINAR INDONESIA Tbk I LAPORAN TAHUNAN 2015 I 167 Pelatihan yang diikuti Dewan Komisaris selama tahun 2015 No Tanggal Jenis Pelatihan 1 14 Maret 2015 Refresment Program Manajemen Risiko Level Pengurus Bank Date Training 14 March 2015 Refresment Program Risk Management for Bank Executive Board Pelatihan yang diikuti Direksi selama tahun 2015 No Tanggal Jenis Pelatihan 1 26 Maret 2015 Identiikasi Komponen Remunerasi Pada Tingkat Direksi dan Komisaris Date Training 26 March 2015 Remuneration Identiication Component for Directors and Commissioners Karyawan dan Pengurus yang telah mengikuti program sertiikasi manajemen risiko berdasarkan levelnya adalah sebagai berikut: Pendidikan 2015 2014 Education BSMR Level I 38 34 BSMR Level II 13 13 BSMR Level III 8 5 BSMR Level IV 1 1 BSMR Level V 2 2 Training followed by Board of Commissioners in 2015 Training followed by Board of Directors in 2015 Officers and Employee’s Risk Management Certified Program based on level in 2015: I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 168 Berikut data kegiatan pelatihan yang telah dilaksanakan pada tahun 2015 02 januari – 01 Februari 2015 Training Setup Layanan Switching System CMS 30 Januari 2015 Pelatihan In House Service Ecellent With Heart 3 Maret 2015 Sosialisasi Produk Tabungan Angpao Suku Bunga Lembaga Penjamin Simpanan LSP 04-07 Maret 9-11,28 Maret 2015 Sertiikasi Manajemen Resiko Level 1 3 6 Maret 2015 Sosialisasi Sistem Pembayaran Fire Cash BCA 28 Maret 2015 Training Aplikasi Sistem Pembayaran Fire Cash BCA 30-31 Maret 2015 Analisa Laporan Keuangan 8-9 April 2015 Training Implementasi Fire Cash Untuk KC Surabaya 18 April 2015 Training Motifasi Karyawan Dasar Non Staf 18 April 2015 Training Pengoperasian Worklow ATM Pada Cabang 23-24 April 2015 Pelatihan Kredit Bermasalah dengan Teknik Remedial Litigasi 04-13 Mei 2015 On Job Trainig OJT Staf Legal KC Surabaya 11-12 Mei 2015 Public Training Oleh Formasi Tema PSAK 24 Imbalan Kerja PSAK 46 Pajak Penghasilan 03 Juni 2015 Sosialisasi Sistem SKNBI-GEN II Pada Seluruh Cabang 03-05 Juni 2015 Sertiikasi Manajemen Resiko Level 3 06 Juni 2015 Training APU PPT 03 Juli 2015 Peningkatan Disiplin Melalui Pendidikan Puasa Siraman Rohani 05-14 Agustus 2015 Pendidikan Peningkatan Komunikasi dan Kerjasama Team Work 12-13 Agustus 2015 Public Training Oleh Formasi Tax Training 13 Agustus 2015 Sertiikasi Manajemen Resiko Level 1 13 Agustus 2015 Sertiikasi Audit Level 1 Training Setup Switching System CMS Service In House Service Ecellent With Heart Training Socialization of Angpao Saving Product and Indonesia Deposit Insurance Corporation LSP Risk Management Level 1 and 3 Certiication Socialization of Payment System with Fire Cash BCA Training Payment System Application with BCA Financial Report Analyst Training Implementation Fire Cash for Branch Oice in Surabaya Training Basic Employee Motivation Non Staf Training Operating Worklow ATM in Branch Oice Training about Non Performing Loan with Remedial Litigation Technic On Job Training OJT Staf Legal KC Surabaya Public Training by Theme Formation PSAK 24 Employee Beneit PSAK 46 Income Tax Socialization System of SKNBI-GEN II for all branches Risk Management Certiicate Level 3 Training APU PPT Elevating Discipline through Shaum Education Religion Speech Communication and Teamwork Enhance Training Public Training by Formation Tax Training Risk Management Level 1 Certiication Certiication to Audit Level 1 The following data training activities that have been implemented in 2015 PT BANK DINAR INDONESIA Tbk I LAPORAN TAHUNAN 2015 I 169 21 Agustus 2015 Training Operasional ATM Aplikasi CMS Pada Semua Cabang 02 September 2015 Sosialisasi Program “Jaminan Pensiun” 02 September 2015 Pelatihan Operasional CS Teller Pada Kantor Cabang 03 September 2015 Training Anti Fraud Awareness Money Laundering 16 September 2015 Forum Komunikasi Kliring Jakarta FKKJ Forum Komunikasi Surabaya FKKS 18 September 2015 Training Beauty Class Make Up 22 September 2015 Pelatihan Workshop Credit Remedial-Legal Aspect 28 September 2015 In House APPU PPT 09 Oktober 2015 Pelatihan Sistem BI-RTGS-X dan BI-SSSS Depo-X 12 Oktober 2015 Perjalanan Dinas Training dan Implementasi ATM Surabaya 16 Oktober 2015 Pelatihan RTGS-G2 23 Oktober 2015 Seminar SME dan Consumer Banking Outlook 2016 23 Oktober 2015 Pelatihan User Group SKNBI 23 Oktober 2015 Pelatihan Perkasan KC Surabaya 06-08 November 2015 Pelatihan Team Building 13 November 2015 Pelatihan RTGS-G2 21 November 2015 Pelatihan In House APU PPT Level Managerial dan Account Oicer 28 November 2015 Sosialisasi DRP 12-13 Desember 2015 Training User Group Sistem Pembayaran 2015 16-18 Desember 2015 Pelatihan Manajemen Pembiayaan dan Manajemen Kredit 23 Desember 2015 Pelatihan In House ‘’Communication Skill” Training Operational ATM Application CMS in All Branch Oices Socialization of Program “Retirement Beneit” Customer Service and Teller Operating Training in Branch Oice Training Anti Fraud Awareness Money Laundering Forum Clearing Communication Jakarta FKKJ Forum Communication Surabaya FKKS Training Beauty Class Make Up Workshop Credit Remedial-Legal Aspect Training In House APPU PPT BI-RTGS-X and BI-SSSS Depo-XSystem Training Oicial Travel Training and Implementation ATM Surabaya RTGS-G2 Training Seminar SME and Consumer Banking Outlook 2016 User Group SKNBI Training Treasury Training in KC Surabaya Team Building Training RTGS-G2 Training In House APU PPT Level Managerial and Account Oicer Training Socialization DRP Training User Group Payment System 2015 Credit and Funding Management Training In House ‘’Communication Skill” Training TINGKAT KESEHATAN BANK BANK SOUNDNESS RATING I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 170 PT BANK DINAR INDONESIA Tbk I LAPORAN TAHUNAN 2015 I 171

9. TINGKAT KESEHATAN BANK

Bank Dinar senantiasa berupaya menerapkan prinsip-prinsip Good Corporate Governance GCG, kehati-hatian, dan manajemen risiko yang baik dan sesuai dengan ketentuan dan aturan yang berlaku dalam setiap proses bisnisnya. Hal itu dilakukan sebagai upaya menjaga dan meningkatkan kualitas tingkat kesehatan bank Risk Based Bank Rating - RBBR. Pada prakteknya, penerapan yang dilakukan Bank Dinar terkait hal-hal tersebut di atas terus ditingkatkan kualitasnya dari waktu ke waktu. Melalui upaya itu, Perseroan pada akhirnya bisa menjaga tingkat kesehatan bank pada level “Baik”. Kedepan, tentu saja dengan pengelolaan yang lebih baik, diharapkan tingkat kesehatan bank bisa jauh lebih baik lagi. Berikut hasil penilaian Tingkat Kesehatan PT Bank Dinar Indonesia Tbk per akhirtahun 2015.

9. BANK SOUNDNESS RATING

Bank Dinar continually attempts to implement Good Corporate Governance GCG principles, prudence, and good risk management based on valid provisions and regulations in every business process. It is carried out in order to maintain and improve the quality of Bank Soundness Rating Risk Based Bank Rating – RBBR. As a matter of fact, all the implementation taken by Bank Dinar related to those things will always be improved in quality term from time to time. Through these efforts, Bank Dinar could maintain bank soundness in “Good” level. In the future, surely with a better management expect a better rating. The result of PT Bank Dinar Indonesia Tbk assessment’s rating by the end of 2015 NO FAKTOR-FAKTOR PENILAIAN PERINGKAT 1 Proil Risiko 2 2 Good Corporate Governance 2 3 Rentabilitas 2 4 Permodalan 2 Peringkat RBBR 2 ASSESSMENT FACTORS RATING Risk Proile Good Corporate Governance Proitability Capital RBBR Rating 1 -Sangat Baik 2 -Baik 3 -Cukup Baik 4 -Kurang Baik 5 -Tidak Baik 1 -Very Good 2 -Good 3 -Good Enough 4 -Not Good 5 -Bad PENGUNGKAPAN PERMODALAN DAN EKSPOSUR RISIKO CAPITAL DISCLOSURE AND RISK EXPOSURE I LAPORAN TAHUNAN 2015 I PT BANK DINAR INDONESIA Tbk 172