Global Market Management Function

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