Proil Perseroan Company Proile
Pembahasan dan Analisa Manajemen Management’s Discussion and Analysis
Tanggung Jawab Sosial Perushaan Corporate Social Responsibility
Laporan Manajemen Management’s Report
Tata Kelola Perusahaan Good Corporate Governance
Data Perusahaan Corporate Data
BRISyariah 2015 Annual Report
73
pendapatan dan peningkatan pendapatan berbasis jasa melalui berbagai aktivitas bisnis
treasuri. Untuk dapat mengambil keputusan terbaik atas berbagai transaksi keuangan
yang dilakukan, Departemen Global Market menggunakan beragam perangkat analisis dan
pendekatan dengan memperhatikan berbagai faktor yang berpengaruh antara lain regulasi
yang berlaku, kondisi makro ekonomi dan juga psikologis pasar.
Selain fungsi pengelolaan risiko likuditas, Departemen Global Market juga melakukan
kegiatan penempatan atas kelebihan dana yang ada melalui penempatan pada berbagai intrumen
investasi surat berharga baik Surat Berharga Negara Syariah SBSN maupun Sukuk Korporasi.
Hal ini dilakukan dengan tujuan utama agar perusahaan dapat memperoleh imbal hasil yang
lebih optimal atas kelebihan dana yang terjadi. Dalam menjalankan fungsinya, Departemen
Global Market menggunakan berbagai instrumen keuangan antara lain sebagai berikut:
• Sertiikat Investasi Mudharabah Antarbank SIMA
• Deposito antar bank
• Transaksi valuta asing
• Surat Berharga Syariah Negara SBSN
• Sukuk Korporasi
• Sertiikat Bank Indonesia Syariah SBIS • Fasilitas Simpanan Bank Indonesia Syariah
FASBIS •
Deposito berjangka dalam Valuta Asing • Fasilitas Likuiditas Intrahari berdasarkan
Prinsip Syariah FLIS •
Fasilitas Pinjaman Jangka Pendek FPJP •
Repurchase Agreement Repo SBIS dan SBSN
• Reverse Repo SBSN
Kinerja Global Market Tahun 2015
Kenaikan tingkat suku bunga Bank Sentral Amerika The FED, penurunan pertumbuhan ekonomi
China, penurunan harga komoditas dan ancaman resesi global masih menjadi tantangan bagi
ekonomi domestik maupun global selama tahun 2015. Kondisi ekonomi ini akan mempengaruhi
dan berdampak pada laju percepatan bisnis perbankan. Treasury International Banking
berfokus pada optimalisasi atas kelebihan based revenue through a variety of treasury
business. To be able to make the best decision on a variety of inancial transaction performed,
the Global Market Department uses a variety of analysis tools and approaches by taking into
account of many affecting factors among others the regulations applicable, the economic macro
condition and also the market psychological.
In addition of liquidity risk management, the Global Market Department also conduct placement
activities for the excess fund available through placement in various obligation investment
instruments both Sharia Government Securities SBSN and Corporate Sukuk. This is carried out
with the main purpose so that company obtains a more optimum returns on the fund surplus
occurred. In carry out its functions and duties, the Dealing
Room utilizes various inancial instruments as follows:
• Mudharabah Interbank Investment Certiicate
SIMA • Inter bank deposits Foreign Exchange
Transaction Tod, Tom, Spot dan Forward •
Government Sharia Bond SBSN •
Corporate Sharia Bond Sukuk • Sharia Certiicate of Bank Indonesia SBIS
• Sharia Deposit Facility – Sharia Saving Facility
of Bank Indonesia FASBIS Foreign Exchange Term Deposit
• Intraday Liquidity Facility based on Sharia Principles FLIS
• Short term Loan Facility FPJP
• Repurchase Agreement Repo SBIS and SBSN
• Reverse Repo SBSN
Global Market Performance in 2015
The increase in interest rate of the Federal Reserve Bank The FED, a decrease in China’s economic
growth, falling commodity price and the threaten of global recession remains a challenge for both
domestic and global economic throughout 2015. This economic condition will affect and impact on
the banking business acceleration. The Treasury International Banking focuses on optimization
on the liquidity excess through a health growth of
BRISyariah Laporan Tahunan 2015
74
Tinjauan Bisnis
Business Review
likuiditas melalui pertumbuhan aset produktif yang sehat, realokasi aktiva produktif non-pembiayaan
dari yang berpendapatan rendah ke instrumen lainnya yang menghasilkan pendapatan lebih
tinggi. Hal ini tampak dari portofolio treasury
yang menujukkan peningkatan yang signiikan selama 2015 pada instrumen Surat Berharga
Negara Syariah dan Sukuk Korporasi.
Portofolio Treasury
IDR 000.000,-
No Aset | Asset
Desember 2015 Desember 2104
Growth
1 FASBIS
2.422.000 882.000
174,60 2
SBIS 1.350.000
1.605.645 -15,92
3 SBSN
1.763.152 514.861
242,45 4
SBSN Valas 232.072
96.605 140,23
5 SUKUK
111.887 56.383
98,44 6
SUKUK Ritel 73.948
- 100,00
b. Fungsi International Banking
Pada tahun 2015 BRISyariah mulai fokus pada pengembangan aktivitas bisnis bank devisa dan
internasional banking. Departemen International Banking berperan dalam pengembangan dan
penyedian berbagi produk dan jasa layanan bisnis devisa terutama dalam penyedian pelayanan
pelaksanaan ibadah haji dan umrah. Hal ini seiring juga dengan kepercayaan yang diberikan
kepada pemerintah berupa penunjukan BRIS sebagai salah satu bank Penerima Setoran Biaya
Perjalanan Ibadah Haji BPS BPIH. Produk dan layanan bisnis bank devisa dan international
banking lainnya yang juga dikembangkan dan sudah dilaksanakan antara lain
remittance, money changer dan
trade inance. Beragam produk dan layanan tersebut dikembangkan dengan tujuan
untuk memenuhi kebutuhan nasabah secara menyeluruh dengan berdasarkan prinsip kehati-
hatian sekaligus juga memperoleh peningkatan pendapatan berbasis jasa yang lebih optimal.
Departemen International Banking terdiri dari unit kerja dengan fungsi sebagai berikut:
1. International Banking Services
Berfungsi merencanakan dan mengontrol kegiatan pemasaran produk
international banking agar dapat memenuhi kebutuhan
bisnis dengan tetap memperhatikan aspek pengendalian risiko dan prinsip kehati- hatian.
productive assets, re-allocation on non-inancing production asset from low income to other
instruments that generate higher income. This is evident from the treasury portfolio which showed
a signiicant increase over 2015 to the Sharia Government Securities and Corporate.
Treasury portfolio
b. International Banking Function
In 2015 BRISyariah began to focus on the activities development of foreign exchange bank
and international banking. The International Banking Department plays role in development
and provision for a variety of foreign exchange products and services particularly in the service
implementation of pilgrimage and umrah. This is also in line with the trust given to the government
in the form of BRIS designation as one of the of beneiciary banks of Hajj Travel Deposit BPS
BPIH. Products and business services of foreign exchange bank and other international banking
which also developed and have been conducted are among others remittance, money changer and
trade inance. Various of products and services are developed with purpose to meet customers’
needs as a whole on the basis of prudent principle as well as to increase a more optimum service-
based revenue. The International Banking Department consists of work unit with functions
as follows:
1. International Banking Services
Responsible for the planning and control of the marketing of international banking
products in line with business needs and the observance of risk management and prudent
banking principle.
Proil Perseroan Company Proile
Pembahasan dan Analisa Manajemen Management’s Discussion and Analysis
Tanggung Jawab Sosial Perushaan Corporate Social Responsibility
Laporan Manajemen Management’s Report
Tata Kelola Perusahaan Good Corporate Governance
Data Perusahaan Corporate Data
BRISyariah 2015 Annual Report
75
2. International Banking Support
Responsible for the formulation of policies and the reporting of international banking
transactions, as well as to support the Branch Ofices in terms of the development of
international banking products and services.
Performance International Banking 2015
Performance of the International Banking Department throughout 2015 is seen from
the implementation of foreign exchange bank services and products which were performed by
remain considering the aspects of business, risk and prudent principle, with primary focus was to
support BRISyariah main business.
c. Business Service and Support Function
Department of Business Support Service consists of three work units namely Financial
Institution, Investment Banking and Assets Liabilities Management, each has speciic
function which generally aims to fulill and to support the achievement of bank’s business and
also customers’ needs:
1. Financial Institution
To be responsible for managing and developing a reciprocal business with
2. International Banking Support
Berfungsi menyusun kebijakan dan pelaporan transaksi
international banking, serta melakukan pembinaan kepada Kantor Cabang
terkait pengembangan produk dan jasa international banking.
Kinerja International Banking Tahun 2015
Kinerja Departemen International Banking selama tahun 2015 terlihat pada implementasi layanan
dan produk bank devisa yang dilakukan dengan tetap mempertimbangkan aspek bisnis, risiko
dan prinsip kehati-hatian, dengan fokus utama mendukung bisnis utama BRISyariah.
Keterangan 2015
2014
Sistem System
Sistem devisa sudah masuk dalam Core Banking Foreign exchange system is included in Core Banking
Sistem devisa terpisah dari Core Banking
Foreign exchange system is separated from Core Banking
Kantor Layanan Service Ofice
√ 15 Kantor Cabang | 15 Branch Ofices
√ 2 Kantor Cabang Pembantu | 2 Sub-Branch Ofices
√ 2 Kantor Cabang 2 Branch Ofices
Produk Product
√ Simpanan USD tabungan haji, giro, dan deposito USD Saving hajj saving, and deposit
√ sharf money changer | sharf money changer
√ remittance | remittance
√ Simpanan USD tabungan haji, giro, dan deposito
USD Saving hajj saving, current account, and deposit
√ sharf money changer sharf money changer
Layanan Sharf money changer
Sharf money changer √ Kantor Cabang dan Kantor Cabang Pembantu
Devisa Foreign Exchange Branch Ofice and Sub-Branch
Ofice √ Manasik di travel haji-umrah
Ritual training in hajj-umrah travels √ Asrama haji embarkasi masa pemberangkatan
haji, di Padang dan Surabaya Hajj Boarding embarkation hajj embarkation
period, in Padang and Surabaya √ Kantor Cabang Devisa
Foreign Exchange Branch Ofice √ Manasik di travel haji-umrah
Ritual training in hajj-umrah travels
SWIFT Society for Worlwide Interbank Financial Telecommunication BIC Bank Identiier Code
BRISIDJAXXX Bank koresponden-RMA Relationship Management Application
21 Bank dalam dan luar negeri 21 domestic and foreign Banks
c. Fungsi Bisnis Support Service
Departemen Business Support Service terdiri dari tiga unit kerja yaitu Financial Institution,
Investment Banking dan Assets Liabilities Management, masing-masing mempunyai fungsi
spesiik yang secara umum bertujuan untuk memenuhi dan mendukung tercapainya bisnis
bank dan juga kebutuhan nasabah:
1. Financial Institution
Bertugas mengelola dan mengembangkan resiprokal bisnis dengan bank-bank