Basuqei Rahmad Pemimpin Satuan Kerja Audit Intern SKAI

Agus Ramantoro Pemimpin Divisi Teknologi Informasi Information Technology Division Manager Sebelum menjabat Pemimpin Divisi Teknologi Informasi, ia pernah menjadi Pemimpin Kelompok Aplikasi Kantor Pusat dan menjadi Kordinator Kelompok Aplikasi Kantor Pusat. Bergabung dengan BPD Kaltim pada tahun 2005. Lahir di Jombang pada 20 Februari 1964. Before served as Chief Information Technology Division, he once became Leader of Headquarters Application Group and become Coordinator of Headquarters Application Group. He joined BPD Kaltim in 2005. Born in Jombang on February 20, 1964. Yenny Israwati Pemimpin Divisi Akuntansi Keuangan Finance Accounting Division Manager Sebelum menjadi Pemimpin Divisi Akuntansi dan Keuangan, ia telah berpengalaman menjabat sebagai Pemimpin Departemen Perpajakan, Pemimpin Departemen Manajemen Risiko dan Pemimpin Departemen Audit Kantor Pusat. Ia lahir di Samarinda pada 13 Desember 1977. Before served as Finance Accounting Division Manager, she ever served as Taxation Department Manager, Risk Management Manager and Headquarters Audit Department Manager. Born in Samarinda on December 13, 1977. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 63 Kosasih Sabran Pemimpin Cabang Utama Samarinda Head of Samarinda Main Branch Fathurrahman Pemimpin Cabang Tana Paser Head Of Tana Paser Branch Amuniantoyo Pemimpin Cabang Tanjung Redeb Head of Tanjung Redeb Branch Ikro Pemimpin Cabang Jakarta Head of Jakarta Branch Viky Pujo Rahmanto Pemimpin Cabang Tenggarong Head of Tenggarong Branch Ivan Kusnandar Pemimpin Cabang Tanjung Selor Head of Tanjung Selor Branch Muhammad Hidayat Pemimpin Cabang Balikpapan Head of Balikpapan Branch Dicky Shibron Murad Pemimpin Cabang Tarakan Head of Tarakan Branch Sayid Mohammad Hanaiah Pemimpin Cabang Bontang Head of Bontang Branch Pemimpin - Pemimpin Cabang Branch Managers Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 64 Basran Pemimpin Cabang Nunukan Head of Nunukan Branch Oska Yoris Pemimpin Cabang Sangatta Head of Sangatta Branch Delvi Zuliyanti Pemimpin Cabang Syariah Samarinda Head of Samarinda Sharia Branch Haris Harsono Pemimpin Cabang Sendawar Head of Sendawar Branch Erlyta Ariani Pemimpin Cabang Syariah Balikpapan Head of Balikpapan Sharia Branch Iskandar Zulkarnain Pemimpin Cabang Malinau Head of Malinau Branch Diky Zulkarnain Pemimpin Cabang Penajam Head of Penajam Branch Muhammad Ali Pemimpin Cabang Tideng Pale Head of Tideng Pale Branch Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 65 Bantuan Sponsorship Assistance sponsorship Selama tahun 2015, BPD Kaltim telah melaksanakan kegiatan-kegiatanbantuansumbangan,sponsorship dan CSR dengan total dana mencapai Rp 10.170.727.302,- atau mengalami peningkatan sebesar 2.63 yoy. Untuk total biaya sumbangan sendiri sebesar Rp 2.675.108.994,- dan biaya sponsorship sebesar Rp 5.222.963.855,-. Pelaksanaan kegiatan Bantuan dan Sponsorship ini sesuai dengan Standard Operating Procedure SOP Bantuan dan Sponsorship BPD Kaltim. Berdasarkan data bantuan yang dikeluarkan oleh Kantor Pusat cq. Departemen Hubungan Korporasi BPD Kaltim selama tahun 2015, jenis kegiatan didominasi oleh bidang lingkungan dengan share jumlah bantuan sebesar 41.18, jumlah ini berbeda dengan kondisi tahun 2014 yang didominasi oleh kegiatan di bidang sosial dengan share 81.4. Sementara itu berdasarkan biaya yang dikeluarkan, 81.14 adalah pada bidang lingkungan disusul bidang sosial sebesar 8.64. Share Bidang Bantuan Berdasarkan Jumlah Event Share of Donation Area based on Total Event 17.65 5.88 35.29 41.18 Lingkungan Environment Lingkungan Environment Partnership Partnership Partnership Partnership Pendidikan Education Pendidikan Education Sosial Social Sosial Social Share Bidang Bantuan Berdasarkan Jumlah Biaya Share of Donation Area Based on Total Cost 81.14 1.71 8.64 8.51 Jika dilihat dari jumlah event sponsorship yang didukung melalui Departemen Hubungan Korporasi selama tahun 2015, event-event olahraga mendominasi kegiatan sponsorship BPD Kaltim pada tahun 2015 sebesar 39.13. Jumlah ini menurun dari tahun 2014 yang tercatat sebesar 54.72. Meskipun demikian, dilihat dari jumlah biaya, olahraga juga mendominasi sebesar 64.18, During 2015, BPD Kaltim has been carrying out activities of assistancedonations, sponsorship and CSR with total funds reached Rp 10,170,727,302, - or an increase of 2.63 yoy. For total cost of its own contribution amounted to Rp 2,675,108,994, - and sponsorship fee of Rp 5,222,963,855, -. The implementation of this assistance and sponsorship in accordance with Standard Operating Procedure SOP on Aid and Sponsorship of BPD Kaltim. Based on the assistance data issued by the head office cq. Corporate Relations Department of BPD Kaltim during 2015, the type of activity is dominated by the field of the environment with share amount of aid amounting to 41.18, this number is different from the situation in 2014 that dominated by activities in the social sector with a share of 81.4. Meanwhile it is based on the costs incurred, 81.14 are in the field of environment followed by social sector amounted to 8.64. When viewed from the number of sponsorship event that supported under Department of Corporate Relations during 2015, sports events dominate the BPD Kaltim sponsorship activities in 2015 amounted to 39.13. This number decreased from 2014 which was recorded at 54.72. Nevertheless, judging from the amount of fees, sports also dominated by 64.18, 2015 annual report | BANKALTIM 66 Laporan Tahunan 2015 | BANKALTIM Share Bidang Bantuan Berdasarkan Jumlah Event Share of Donation Area based on Total Event Share Bidang Bantuan Berdasarkan Jumlah Biaya Share of Donation Area Based on Total Cost menurun dari tahun 2014 sebesar 78.82. Perhatian besar BPD Kaltim dalam bidang olahraga merupakan wujud semangat untuk mengembangkan kualitas sumber daya manusia daerah dalam rangka menuju Kalimantan Timur Maju 2018 serta mendukung salah satu visi Provinsi Kalimantan Timur untuk menjadi pusat kegiatan olahraga di Indonesia Bagian Timur. Selain olahraga, sponsorship BPD Kaltim juga didominasi dukungan bidang lingkungan dan partnership, masing-masing sebesar 19.57 dan 15.22. Ekonomi Ecomic Partnership Kreatif Creatif Lingkungan Environment Sosial Social Pendidikan Education Olahraga Sport Ekonomi Ecomic Partnership Kreatif Creatif Lingkungan Environment Sosial Social Pendidikan Education Olahraga Sport 39.13 19.57 4.35 4.35 15.22 10.87 6.52 64.18 81.14 6.75 2.03 0.66 3.41 1.58 Pada tahun 2015 selain menjalankan kegiatan Bantuan dan Sponsorship, BPD Kaltim juga akan melaksanakan program Corporate Social Responsibility CSR. Program CSR Bankaltim akan terfokus pada beberapa bidang binaan yaitu pendidikan, bina usaha, edukasi, pendidikanbeasiswa dan CSR Lainnya, yang diharapkan mampu bersinergis dan menjadi sustainable program yang bermanfaat bagi masyarakat. decreased from 2014 by 78.82. Great attention of BPD Kaltim in sport is a form of passion for developing the quality of local human resources in order to aim Developed East Kalimantan in 2018 and supports one of the visions of East Kalimantan Province to be the center of sports activities in Eastern Indonesia. Besides sports, sponsorship of BPD Kaltim also dominated environmental support and partnership, respectively 19.57 and 15.22. In 2015, besides carry out Aid and Sponsorship activities, BPD Kaltim will also implement a program of Corporate Social Responsibility CSR. Bankaltim CSR program will focus on several assisted areas of: education, businesses coaching, education, educationscholarship and Other CSR, which is expected to synergize and become a sustainable program that benefit society. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 67 Important Events Peristiwa - Peristiwa Penting Samarinda - Pelaksanaan RUPS sirkuler dimulai pada Senin 1901 yang diawali dengan kunjungan kepada pemegang saham mayoritas BPD Kaltim yaitu Gubernur mewakili Pemprov Kalimantan Timur. Rombongan yang terdiri dari Ketua Dewan Pengawas beserta anggota, Direktur Utama dan Anggota Direksi, serta dari Sekretariat Perusahaan. Perjalanan sirkuler itu berlangsung selama sembilan hari dan seluruh pemegang saham menyetujui hasil rapat tersebut. Samarinda - Implementation of the circular Genaral Meeting of Shareholders GMSbegins on Monday 1901 that begins with a visit to majority shareholder of BPD Kaltim, namely the Governor who represent the Provincial Government of East Kalimantan. The delegation consists of the Chairman and the members of the Supervisory Board, President Director and Member of the Board of Directors, as well as from the Company Secretariat. The circular trip lasted nine days and all the shareholders approved the results of the meeting Samarinda - Gubernur Kaltim Awang Faroek Ishak resmi melantik Dewan Pengawas Direksi BPD Kaltim, Senin 92, di Pendopo Lamin Etam. Pelantikan dilakukan kepada Hairuzzaman sebagai Direktur Syariah dan Human Capital masa jabatan 2015-2019, Apriansyah sebagai Direktur Operasional perubahan penyebutan dari Direktur Umum Sulaiman Gafur sebagai Ketua Dewan Pengawas masa jabatan 2015-2018, Ismunandar Azis sebagai Direktur Kredit perubahan penyebutan dari Direktur Pemasaran. Samarinda - East Kalimantan Governor, Awang Ishak Faroek, officially inaugurated the Supervisory Board and the Board of Directors of BPD Kaltim, on Monday 92, in the Lamin Etam Hall. Inauguration conducted to Hairuzzaman as Sharia Director and Human Capital tenure of 2015-2019, Apriansyah as Director of Operations change the mention of the Director of General Affair, Sulaiman Gafur as Chairman of the Supervisory Board tenure of 2015-2018, Ismunandar Azis as Director of Credit change the mention of the Director of Marketing. RUPS Sirkuler Di Awal Tahun Circular GMS in The Beginning Of The Year Pelantikan Pejabat BPD Kaltim BPD Kaltim Officials Inauguration 2015 annual report | BANKALTIM 68 Laporan Tahunan 2015 | BANKALTIM Samarinda - Ribuan jamaah memadati Islamic Center Samarindapada Jumat 132 malam untuk mengikuti Tabligh Akbar Kaltim Bershalawat. Tabligh akbar yang digelar BPD Kaltim memperingati Maulid Nabi Muhammad SAW serta memeriahkan peringatan HUT ke-58 Provinsi Kalimantan Timur, HUT ke-357 Kota Samarinda, dan HUT ke-55 Pemkot Samarinda. Menghadirkan Syair Qosidah oleh Group Syair Habib Syech bin Abdul Qadir Assegaf dari Solo. Samarinda - Thousands of worshipers packed the Islamic Center Samarinda on Friday 132 night to attend the Tabligh Akbar Kaltim Bershalawat. Tabligh Akbar held by BPD Kaltim to commemorate the Birthday of Prophet Muhammad as well as to enliven the 58th anniversary of East Kalimantan Province, 357th anniversary of Samarinda, and 55th Anniversary of Samarinda municipal government. Presenting Qosidah Poetry by Habib Sych bin Abdul Qadir Assegaf Poetry Group from Solo. Sangatta - Pembukaan Wisata Belanja Wisbel Bankaltim, Kamis 1903 menjadi Wisata Belanja pertama kalinya di Lapangan Taman Bersemi eks. Lapangan STQ Sangatta Kabupaten Kutai Timur. BPD Kaltim juga berpartisipasi mengisi tenda wisbel dengan berbagai macam kerajinan UMKM Sangatta – Opening of Bankaltim Shopping Tourism Wisbel,on Thursday 1903became the first Shopping tourism at Taman Bersemi Square eks. STQ Square, Sangatta,East Kutai Regency. BPD Kaltim also participate in filled the tent of the wisbel with various SME crafts. Tabligh Akbar Kaltim Bershalawat Tabligh Akbar Kaltim Bershalawat Pembukaan Wisata Belanja Sangatta Opening of Sangatta Shopping Tourism Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 69 Yogyakarta - BPD Kaltim kembali berpartisipasi pada kegiatan Pekan Olah Raga dan Seni PORSENI BPD-SI yang pada tahun 2015 diselenggarakan di Yogyakarta. Acara itu secara resmi dibuka melalui upacara pembukaan yang dilangsungkan di Lapangan Pancasila UGM, Jumat 01052015. Upacara tersebut dihadiri langsung oleh Gubernur DIY, Sri Sultan HB X dan diikuti seluruh kontingen peserta dari BPD Seluruh Indonesia. BPD Kaltim menjadi juara dalam cabang olahraga Catur, Golf Prestasi dan Tenis Meja. Yogyakarta - BPD Kaltim once again participated in the activities of BPD-SI Sports and Arts Week PORSENI which was held in Yogyakarta on 2015. The event was officially opened through the opening ceremony, which was held at the Pancasila Field of UGM, on Friday 01052015.. The ceremony was attended by the Governor of Yogyakarta, Sri Sultan HB X and followed by the entire contingent of participants from BPD throughout Indonesia. BPD Kaltim become a champion in the sport of Chess, Golf Achievement and Table Tennis. Samarinda - Mahasiswa Universitas Mulawarman Unmul yang menjalani kuliah kerja nyata KKN tahun ini merasakan sensasi berbeda. Terlibatnya BPD Kaltim dalam kegiatan tersebut menjadi alasannya. Melalui CSR, bank pelat merah tersebut membuat program Bankaltim Edukasi. Dilibatkannya mahasiswa dalam kegiatan itu lantaran jangkauannya yang luas hingga ke pelosok daerah Kaltim dan Kaltara. Kegiatan sosialisasi dilaksanakan di Lantai 6 Kantor Pusat BPD Kaltim 27. Samarinda - Mulawarman University Unmul students who undergo community work KKN this year feel the different sensations. BPD Kaltim involvement in the activity were the reason. Through CSR, the state- owned bank made the Bankaltim Education program. Involvement of the students in these activities due to the extensive coverage in remote areas of East and North Kalimantan. Socialization activities conducted at the Central Office, 6th Floor of BPD Kaltim 27. Porseni BPD SI di Yogyakarta Porseni BPD SI at Yogyakarta Sosialisasi Agen Edukasi Bankaltim Bankaltim Education Agents Sosialization Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 70 Sendawar – BPD Kaltim menambah jaringan Kantor Kas Long Apari, Kabupaten Mahakam Ulu Mahulu, tepatnya di Desa Long Kerioq, Selasa 48 dilakukan Grand Opening oleh Camat Long Apari, Valentina Lalang. Sebelum dilakukan peresmian dilakukan acara adat di Lamin Adat Long Kerioq. Acara ini dihadiri Pemimpin BPD Kaltim Cabang Sendawar, Haris Harsono, unsur Muspika Long Apari beserta seluruh petinggi dan kepala adat besar Long Apari. Hadir pula Kapolsek AKP, Ali Suhada dan Danramil Long Apari, Kapten Sartono. Sendawar – BPD Kaltim add Long Apari Cash Office network, Mahakam Ulu Regency Mahulu, precisely in the village of Long Kerioq, on Tuesday 48. The Grand Opening conducted by District Head of Long Apari, Valentina Lalang. Before the inauguration, conducted traditional ceremonies in Lamin Adat Long Kerioq. This event was attended by Manager of BPD Kaltim Sendawar Branch, Haris Harsono, Long Apari Muspika elements and all officials and the customary law chief of Long Apari. Also present the police chief AKP, Ali Suhada and Danramil of Long Apari, Captain Sartono. Jakarta - Sebanyak 40 dari 119 bank umum berhasil meraih penghargaan bank dengan kinerja terbaik versi Indonesia Banking Award 2015 yang digelar Tempo Media Group. Sama seperti tahun lalu, tahun ini Tempo kembali bekerja sama dengan Indonesia Banking School IBS. “Ini adalah tahun kedua IBS bekerja sama dengan Tempo,” kata Subarjo Joyosumarto, salah satu juri Indonesia Banking Award yang berasal dari IBS. Jakarta - 40 out of 119 bank were awarded on bank with the best performance version of the Indonesian Banking Award 2015, held by Tempo Media Group. Just like the previous years, in this year Tempo returned to cooperate with Indonesia Banking School IBS. “This is the second year of IBS in collaboration with Tempo,” said Subarjo Joyosumarto, one of the Indonesia Banking Award judge which comes from IBS. Peresmian Kantor Kas Long Apari Opening Of Long Apari Cash Office BPD Kaltim Raih Indonesian Banking Award 2015 | BPD Kaltim Get Indonesian Banking Award 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 71 Balikpapan - Undian Simpeda Nasional berlangsung Sabtu 2410 di BSCC Dome Balikpapan, kegiatan ini merupakan program kerja sama Asosiasi Bank Pembangunan Daerah ASBANDA dan Bank Pembangunan Daerah Seluruh Indonesia BPD-SI yang digelar setiap tahun, bergiliran setiap Provinsi. BPD Kaltim yang menjadi tuan rumah pengundian Tabungan Simpeda melaksanakan kegiatan ini dengan apik dan meriah. Acara yang bertema “Panen Rejeki Bank BPD” tersebut menampilkan penyanyi Virza dan Iyet Bustami. Balikpapan – National Simpeda lottery held on Staurday 2410 in Balikpapan BSCC Dome. This activity is a joint program between the Association of Regional Development Banks Asbanda and Indonesia Regional Development Bank BPD-SI which was held annually, alternately in each province. BPD Kaltim who hosted the draw of Simpeda Saving implement these activities well and festive. The event that entitled “Bank BPD Lucky Harvest” features Virza dan Iyet Bustami as the singer. Nunukan – BPD Kaltim memberikan CSR berupa satu unit truk sampah kepada Pemerintah Tenggarong - Dinas Pendapatan Daerah Dispenda Kabupaten Kutai Kartanegara Kukar secara resmi meluncurkan Sistem Pembayaran Pajak Bumi dan Bangunan SIBAPAK BUMBA berbasis Online kerjasama dengan Bank BPD Kaltim Cabang Tenggarong. Program tersebut diluncurkan pada Senin 911 Tenggarong - Revenue Departmen Dispenda of Kutai Kartanegara Kukar Regency officially launch Land and Building Tax Payment System SIBAPAK BUMBA which is Online based, and cooperating with BPD Kaltim Tenggarong Branch. The program was launched on Monday 911 BPD Kaltim Tuan Rumah Undia Tabungan Simpeda Nasional | BPD Kaltim As Host Of Simpeda National Saving Lottery BPD Kaltim Beri CSR Truk Sampah Nunukan Bpd Kaltim Csr Give Garbage Truck to Nunukan Pemkab Kukar dan BPD Kaltim Kerjasama Sibapak Kumba | Kukar Regency Government and BPD Kaltim Cooperation on Sibapak Kumba Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 72 Kutai Kartanegara - BPD Kaltim resmi meluncurkan program Layanan Keuangan Tanpa Kantor Dalam Rangka Keuangan Inklusif Laku Pandai di SMA Negeri 1 Samboja, bersamaan dengan peluncuran produk tabungan Simpel, Selasa 1512. Direktur Utama BPD Kaltim, Zainuddin Fanani mengatakan, peluncuran program ini menjadi komitmen BPD Kaltim dalam bertransformasi menjadi BPD yang lebih kuat, kompetitif dan berkontribusi terhadap perekonomian daerah. Kutai Kartanegara - BPD Kaltim officially launched the Financial Services Without Office in the Context of Inclusive Financial Laku Pandai at 1 Highschool of Samboja, coinciding with the launch of Simpel saving product, on Tuesday 1512. BPD Kaltim President Director, Zainuddin Fanani said that the launching of the program becomes commitment of BPD Kaltim intransformation to be BPD which is more powerful, competitive and contributive to the regional economy. Samarinda - Gubernur Kaltim Dr H Awang Faroek Ishak melantik Andi Hadiwijaya sebagai Direktur Kepatuhan BPD Kaltim periode jabatan 2015 - 2019. Gubernur meminta pejabat baru menjalankan tugas selalu mengacu pada good corporate governance, risk management dan internal control sebagai prinsip-prinsip dasar seorang direktur kepatuhan. Direktur Kepatuhan BPD Kaltim Andi Hadiwijaya periode 2015 - 2019 yang berlangsung di Pendopo Lamin Etam Samarinda, Senin 2812. Samarinda - East Kalimantan Governor, Dr H Ishak Awang Faroek, inaugurated Andi Hadiwijaya as Compliance Director of BPD Kaltim for 2015 – 2019. Governor asked for the new officials to perform the duties always referring to good corporate governance, risk management and internal control as the basic principles of a director of compliance. Inauguration of Compliance Director of BPD Kaltim, Andi Hadiwijaya, for 2015 - 2019 was held at Lamin Etam Pavilion, Samarinda, on Mondsy 2812. Launching Laku Pandai Dan Tabungan Simpel Launching of Laku Pandai And Simpel Saving Pelantikan Direktur Kepatuhan BPD Kaltim Periode 2015-2019 | Inauguration of BPD Kaltim Compliance Director For 2015-2019 Kabupaten Nunukan, Jumat 1112. Pemberian truk sampah inisebagai bentuk dukungan pihak perbankan melalui program CSR, untuk mewujudkan lingkungan masyarakat yang lebih bersih, sehat, dan teratur. Nunukan – BPD Kaltim provide CSR in the form of one unit of garbage trucks to the Government of Nunukan, on Friday 1112. The garbage truck was a form of support from the banks through its CSR program, to realize clean, healthy, and organized society. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 73 Pertumbuhan ekonomi global mengalami perlambatan di tahun 2015 menjadi sebesar 3.1 dari 3.3 di tahun 2014. Poin ini bertumbuh lambat sejak jatuh dramatis pada 2008-2009 yang menyentuh angka minus 2.2. Kondisi tersebut tak bisa dilepaskan dari krisis global di tahun 2008 yang bersumber dari krisis Amerika Serikat. Kekuatan pengaruh ekonomi negeri adidaya tersebut tak pelak menyisakan dampak bagi negara-negara lainnya di dunia yang masih dirasakan hingga 2015. Ketika negara-negara dengan pendapatan tinggi berjuang meraih pertumbuhan positif paska krisis 2008, gerak pertumbuhan ekonomi global bertumpu pada negara-negara emerging market seperti Brazil, Rusia, India, China, dan Afrika Selatan BRICS sebagai kelompok emerging market terbesar di dunia. Meskipun demikian, dampak krisis tetap mempengaruhi pertumbuhan negara-negara tersebut yang pada akhirnya memberikan efek domino pada negara terailiasi lainnya. China sebagai negara dengan Produk Domestik Bruto PDB terbesar kedua di dunia pun turut mengalami perlambatan ekonomi dan memberikan dampak bagi negara-negara di kawasan Asia Tenggara yang menggantungkan ekspor pada negara tersebut. Depresiasi ekonomi China dari level tertinggi selama 13 tahun pada 2007 yang mencapai 11.4, konstan terjadi pada sewindu kemudian hingga berada pada level terendah dalam 25 tahun sebesar 6.9 di tahun 2015. Melemahnya volume perdagangan dan produksi manufaktur menjadi pemicu belum membaiknya kondisi China. Lebih lanjut, pelemahan ekspor ke China sangat dirasakan Indonesia di tahun 2015. Sebagai tujuan terbesar ketiga ekspor Indonesia setelah Amerika Serikat dan Jepang, kebijakan transformasi perekonomian China yang semula berbasis ekspor dan investasi menjadi berbasis konsumsi sangat berpengaruh pada penurunan ekspor Indonesia yang didominasi komoditas tambang, kelapa sawit hingga hasil perkebunan. Akibatnya, pertumbuhan ekonomi Indonesia pada tahun 2015 sebesar 4.79, lebih rendah dibanding 2014 sebesar 5.02. Meskipun demikian, Bank Dunia dalam Indonesia Economic Quarterly Desember 2015 menjelaskan bahwa perlambatan ekonomi Indonesia tidak hanya disebabkan tekanan eksternal namun juga kontraksi di dalam negeri. Kilas Ekonomi Economic Outlook Global economic growth slowed in 2015 to 2.4 of a 2.6 in 2014. This points grow slowly since fallen dramatically in 2008-2009 that touched minus 2.2 points. This condition can not be separated from the global crisis in 2008 were sourced from the US crisis. The strength of the economic influence of the superpower country inevitably leaves an impact for other countries in the world that still felt until 2015. When countries with high incomes struggled to gain positive growth post crisis of 2008, the growth of global economic relying on emerging market countries such as Brazil, Russia, India, China, and South Africa BRICS as the largest emerging market group in the world. However, the impact of the crisis still affects the growth of these countries, which in turn provides a domino effect on other affiliated countries. China as a second largest Gross Domestic Product GDB country in the world also experienced an economic slowdown and give effect for the countries in Southeast Asia region who depend the exports to the country. China’s economic depreciation from the highest level for 13 years in 2007, which reached 11.4, constant going on eight years later, to the lowest level in 25 years at 6.9 in 2015. Weakening of trading volume and manufacture production triggered the lack of improvement in China’s condition. Furthermore, the weakening of exports to China is particularly felt by Indonesia in 2015. As the third largest Indonesian export destination after US and Japan, China’s economic transformation policy which was originally based on exports and investment to consumption-based influence on Indonesia’s exports which is dominated by product of mining, palm oil until the plantation result. As a result, Indonesia’s economic growth in 2015 amounted to 4.79, lower than 2014 which is at 5.02. However, the World Bank, in Indonesia Economic Quarterly in December 2015, explained that the economic slowdown in Indonesia is not only due to external pressure but also due to the contraction in the country. 2015 annual report | BANKALTIM 74 Laporan Tahunan 2015 | BANKALTIM Kebakaran hutan dan asap pada tahun 2015 telah menghambat pertumbuhan PDB Indonesia sebesar 1.9 dan menelan biaya penanggulangan senilai Rp 221 triliun atau dua kali lebih besar dari musibah tsunami Aceh pada tahun 2004 silam. Akibatnya, pulau Kalimantan sebagai salah satu sumber lokasi kebakaran dan asap, menunjukkan pertumbuhan ekonomi terendah dibanding regional lainnya yaitu sebesar 1.3, yang juga lebih rendah dari tahun sebelumnya sebesar 3.3. Di sisi lain kemarau akibat El Niño juga membawa risiko bagi pertumbuhan ekonomi Indonesia. Bank Dunia menyebut kondisi tersebut mempengaruhi harga komoditas pangan khususnya beras sebesar 10 serta inlasi Indeks Harga Konsumen CPI setidaknya 0.3 hingga 0.6 yang akan berdampak langsung bagi masyarakat. Transformasi fundamental ekonomi yang menjadi fokus Pemerintahan Presiden Joko Widodo telah mempersiapkan program ekonomi yang bertumpu pada tiga aspek yaitu mengubah ekonomi berbasis konsumsi menjadi ekonomi berbasis produksi, kedua, kebijakan subsidi BBM yang dialihkan untuk pembangunan infrastruktur dan juga subsidi yang tepat sasaran untuk pengentasan kemiskinan. Program tersebut dilanjutkan dengan dirilisnya delapan paket kebijakan reformasi regulasi dan struktural serta stimulus iskal yang pada semester dua tahun 2015 sebagai upaya meningkatkan investasi sektor swasta yang diarahkan guna mendukung industri dan perdagangan. Setidaknya terdapat 87 peraturan yang dirombak dari 154 peraturan untuk merapikan ketentuan yang tidak relevan atau menghambat daya saing nasional. Paket kebijakan tersebut antara lain memberikan kesempatan yang lebih luas bagi investor baik asing maupun dalam negeri untuk melakukan investasi bagi bidang-bidang tertentu yang sebelumnya tertutup bagi investasi. UMKM juga menjadi salah satu agenda dalam paket kebijakan pemerintah yang sejalan dengan usaha untuk mengubah ekonomi berbasis konsumsi menjadi produksi serta ketentuan lain yang menjadi rangkaian program Nawa Cita Pemerintahan Joko Widodo dan Jusuf Kalla. Salah satu implementasi visi tersebut juga terlihat dari usaha pemerintah untuk memperkuat basis perbankan di daerah dalam rangka menggerakan ekonomi masyarakat di daerah pinggiran dan desa dalam kerangka Negara kesatuan Republik Indonesia melalui agenda transformasi Bank Pembangunan Daerah Seluruh Indonesia BPD-SI. Forest fires and smoke in 2015 has hampered Indonesia’s GDP growth of 1.9 and Rp 221 trillion for mitigation cost, or twice the size of the tsunami disaster in Aceh on 2004. As a result, Kalimantan island as one source location of the fire and smoke, showed lowest economic growth compared to other regional, amounting to 1.3, and also lower than the previous year by 3.3. On the other hand, dry season caused by El Niño also brings risks to the economic growth in Indonesia. World Bank calls these conditions affect the prices of food commodities, especially rice by 10 and inflation of Consumer Price Index CPI at least by 0.3 to 0.6 which will have direct impact to the community. Economic fundamentals transformation, which is being the focus of President Joko Widodo Government, have prepared an economic program that relies on three aspects such as changing the consumption- based economy becomes production-based economy, secondly, diverted its fuel subsidy policy to the development of infrastructure also well-targeted subsidies for poverty alleviation. The program continued with the release of eight packages structural and regulatory reform policy as well as fiscal stimulus in the second semester of 2015 as an effort to increase private sector investment which is directed to support the industry and trading. At least 87 of 154 regulations overhauled to spruce up the provisions that are not relevant or hamper national competitiveness. The package include providing greater opportunities for investors, both foreign and domestic to invest for specific areas that were previously closed to investment. SMEs also be on the agenda in a package of government policies in line with efforts to transform the consumption- based economy into production-based as well as other provisions that becomes a series of program of Nawa Cita of Joko Widodo and Jusuf Kalla government. One implementation of this vision can also be seen on the government efforts to strengthen the banking basis in the region in order to drive local economy in rural areas and villages within the framework of the unitary Republic of Indonesia through transformation agenda of Indonesia Regional Development Bank BPD-SI. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 75 Secara regional, kegetiran ekonomi global dan nasional turut berpengaruh pada ekonomi Kalimantan. Menurunnya pertumbuhan ekonomi regional Kalimantan pada tahun 2015 secara umum disebabkan oleh kontraksi ekonomi yang terjadi di Kalimantan Timur. Hal ini mengingat pangsa ekonomi Kalimantan Timur terhadap regional Kalimantan mencapai 59.5 dengan share terhadap nasional sebesar 4.8 sehingga tinggi rendahnya kualitas perekonomian Kalimantan Timur akan sangat berpengaruh pada performa pertumbuhan ekonomi regional Kalimantan. Sampai dengan triwulan IV 2015, Bank Indonesia Perwakilan Kalimantan Timur mencatat pertumbuhan ekonomi Kalimantan Timur masih terkontraksi -0.5 yoy. Pertumbuhan Kalimantan Timur tertekan hingga -0.9, jauh lebih rendah dari pertumbuhan ekonomi nasional. Seperti tahun 2014, lemahnya kinerja sektor pertambangan masih menjadi faktor utama perlambatan ekonomi tersebut. Hal ini sangat berkaitan dengan turunnya permintaan ekspor dan rendahnya harga komoditas. Sementara itu, laju inlasi Kalimantan Timur pada triwulan IV 2015 menurun sebesar 2.4 poin dari triwulan III menjadi 4.89 di akhir 2015 yang merupakan tingkat inlasi terendah dalam lima tahun terakhir. Kondisi ekonomi regional yang masih berkontraksi juga sejalan dengan kinerja perbankan di Kalimantan Timur yang secara umum berada dalam catatan minus pada aspek penyaluran kredit lending dan Dana Pihak Ketiga funding. Penyaluran kredit perbankan Kalimantan Timur di akhir 2015 tertekan pada angka 1.86 yoy. Kondisi ini disebabkan lambatnya kinerja beberapa sektor usaha di Kalimantan Timur dan Kalimantan Utara. Sementara Dana Pihak Ketiga jatuh lebih dalam pada angka -6.41 yoy yang disebabkan terjadinya penurunan giro dan deposito, masing-masing sebesar -24.33 yoy dan -3.86 yoy. Kondisi ekonomi global dan nasional yang diharapkan dapat bertumbuh positif pada tahun 2016 akan diarahkan Pemerintah dengan percepatan pembangunan di daerah dan pelaksanaan desentralisasi iskal. Pengalihan belanja ke sektor produktif dengan dukungan paket kebijakan ekonomi juga menjadi fokus peningkatan ekonomi di tahun 2016. Dalam hal ini, ekonomi Kalimantan Timur juga bergerak menuju perbaikan yang akan didukung oleh kinerja industri pengolahan yang didominasi oleh kelompok komoditas migas khususnya industri gas alam cair atau liquefied natural gas LNG. Regionally, the bitterness of the global and national economy also affect the economy of Kalimantan. Kalimantan regional drop in economic growth in 2015 is generally caused by the economic contraction that occurred in East Kalimantan. Considering economic share of East Kalimantan on Kalimantan reached 59.5 with national share by 4.8, so the economic quality level of East Kalimantan will greatly affect the performance of Kalimantan regional economic growth. Until the fourth quarter of 2015, Bank Indonesia Representative of East Kalimantan recorded East Kalimantan economic growth still contracted by -0.5 yoy. Growth of East Kalimantan pressured to -0.9, much lower than the national economic growth. As in 2014, poor performance of the mining sector is still a major factor in the economic slowdown. It is strongly associated with the decline in export demand and the lower price of commodity. Meanwhile, the inflation rate in East Kalimantan in the fourth quarter of 2015 decreased by 2.4 points from the third quarter into 4.89 at the end of 2015 which is the lowest inflation rate in the last five years. Regional economic conditions which are still contracting in line with the performance of banks in East Kalimantan, which were generally in the minus record on aspects of lending lending and Third Party Fund funding. East Kalimantan Bank loan disbursements at the end of 2015 depressed to 1.86 yoy. This condition is caused by the slow performance of activity at some sectors in the North and East Kalimantan. Meanwhile, third party funds fell more deeply in the figure -6.41 yoy caused by a decrease in giro and deposits, each by -24.33 yoy and -3.86 yoy. Global and national economic conditions which expected to grow positively in 2016 will be directed by the Government for the acceleration of development in the regional and for implementation of the fiscal decentralization. Diversion of expenditure to productive sector with economic policy package support also being the focus of economic improvement in 2016. In this case, East Kalimantan economy also moving toward improvement, and will be supported by the performance of the processing industry which is dominated by the oil and gas commodities, especially liquefied natural gas LNG industry. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 76 “Menyambut tantangan global dan nasional, BPD Kaltim telah lama merubah paradigma perusahaan lokal menjadi perusahaan yang setara dengan Bank Nasional dari sisi produk, layanan maupun reputasi. Transformasi BPD-SI menjadi salah satu moda pendukung visi tersebut, selain ditunjang pula oleh kesadaran untuk memupuk kekuatan intangible asset melalui pemantapan brand awareness atas produk, layanan serta reputasi korporasi melalui berbagai program dan kebijakan Bank.” “Welcoming national and global challenge, since a long time BPD Kaltim has changed its paradigm of local company into a company that equivalent to the National Bank since a long time, in terms of product, services as well as reputation. BPD-SI transformation became one form to support that vision, beside it also supported by the awareness to nurture the power of intangible assets through brand awareness strengthening of the products, services and corporate reputation through various programs and policies of the Bank.” ZAINUDDIN FANANI Direktur Utama President Director Bersinergi dan Bertransformasi Synergy and Transformation 79 79 80 83 85 Besinergi Dan Bertranformasi Synergy and Transformation Internalisasi Program Transformasi BPD-SI BPD-SI Transformation Program Internalization Strategi Manajemen Management Strategy Pengelolaan Brand Brand Management Pelaksanaan Corporate Social Responsibility Corporate Social Responsibility Implementation Bersinergi dan Bertransformasi Synergy and Transformation Istana Negara Jakarta, 26 Mei 2015, menjadi saksi dimulainya sebuah program integrasi Bank Pembangunan Daerah Seluruh Indonesia BPD- SI yang kemudian dikenal dengan Program Transformasi BPD-SI. Program ini diresmikan oleh Presiden Republik Indonesia dengan sebuah harapan besar untuk memperbarui wajah Bank Daerah agar menjadi Bank terdepan secara lokal, mampu bersaing dengan Bank Nasional serta memiliki mindset yang mengglobal. Masyarakat Ekonomi Asean MEA menjadi salah satu perhatian Presiden agar seluruh BPD berlari lebih cepat dalam persaingan perbankan. Total asset BPD-SI yang mencapai Rp 430 milyar, menjadi kekuatan besar yang menempatkannya di jajaran 5 bank terbesar nasional. Untuk itulah, transformasi BPD-SI menjadi sebuah formula wajib untuk semakin menguatkan posisinya. Internalisasi Program Transformasi BPD-SI Pada tahap awal sebagai usaha internalisasi transformasi tersebut, BPD Kaltim melakukan pembenahan aspek pendukung enabler yakni sumber daya manusia, corporate culture dan infrastruktur yang mutlak dibutuhkan. Hal ini bertujuan untuk membenahi kelemahan struktural kelembagaan khususnya kecukupan sumber daya manusia, proses bisnis dan internal governance mencakup kebijakan dan SOP, manajemen risiko, internal kontrol dan infrastruktur yang menjadi pondasi awal kekuatan transformasi BPD secara umum. Selanjutnya, BPD Kaltim mengimplementasikan strategic collaborationstrategic holding dengan mengembangkan layanan BPD Net yang merupakan layanan payment switching, baik untuk transaksi berbasis kartu maupun non-kartu, serta itur layanan solusi layanan interbank switching yang meliputi ATM switching, mobile EDC, solusi layanan e-channel berupa web teller, internet banking, mobile banking, kiosk, cash management system dan financial supply chain management system. National Palace, Jakarta, May 26, 2015, be the witness of the start of Indonesia Regional Development Bank BPD-SI integration program, later known as BPD-SI Transformation Program. The program was inaugurated by the President of the Republic of Indonesia with a great hope to renew the face of the Regional Bank in order to locally become the leading bank, able to compete with the National Bank and has a global mindset. The commencement of the Asean Economic Community AEC in early 2016, became one of the President’s attention that all BPD run faster in the banking competition. BPD-SI total asset which reached Rp 430 billion be a major force that placed it in the top 5 largest banks nationwide. For that, BPD-SI transformation became a mandatory to strengthen its position futhermore. BPD-SI Transformation Program Internalization In the early stages of the transformation internalization effort, BPD Kaltim make improvements of the supporting aspects enabler, such as human resources, corporate culture and infrastructure that absolutely necessary. It aims to improve institutional structural weaknesses especially the adequacy of human resources, business processes and internal governance include policies and SOP, risk management, internal controls and infrastructure that became the foundation of BPD transformation power in general. Furthermore, BPD Kaltim implement strategic collaboration strategic holding by developing BPD Net services which is payment switching services, both for card or non-card based transactions, as well as services of interbank switching service solution that include ATM switching, mobile EDC, e-channel service solution in the form of web teller, internet banking, mobile banking, kiosk, cash management system and financial supply chain management system. 79 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM Beberapa persiapan yang telah dilaksanakan BPD Kaltim dalam memenuhi target dasar program tersebut meliputi: 1 Tabungan SimPel Tabungan SimPel Surat Otoritas Jasa Keuangan No.S-246KO.132015 tanggal 8 Desember 2015 perihal Rencana Penerbitan Produk Tabungan SimPel Letter of Otoritas Jasa Keuangan No.S-246KO.132015 dated December 8, 2015 regarding Issuance Planning of Tabungan SimPel Product 2 Laku Pandai Laku Pandai Surat Otoritas Jasa Keuangan No.S-247KO.132015 tanggal 10 Desember 2015 perihal Pemberian Ijin Produk Laku Pandai Bankaltim Letter of Otoritas Jasa Keuangan No.S-247KO.132015 dated December 10, 2015 regarding Licensing Issued of Bankaltim’s Laku Pandai Product 3 Internet Banking Internet Banking Surat Otoritas Jasa Keuangan No.S-246AKO.132015 tanggal 8 Desember 2015 perihal Permohonan Ijin Produk Internet Banking BPD Kaltim Letter of Otoritas Jasa Keuangan No.S-246AKO.132015 dated December 8, 2015 regarding Product License Application of BPD Kaltim’s Internet Banking 4 Cash Management System Cash Management System Surat Otoritas Jasa Keuangan No.S-251KO.132015 tanggal 17 Desember 2015 perihal Permohonan Ijin Produk Cash Management System BPD Kaltim Letter of Otoritas Jasa Keuangan No.S-251KO.132015 dated December 17, 2015 regarding Product License Application of BPD Kaltim’s Cash Management System No ProdukLayanan ProductServices Ket. Ijin OJK | OJK License Melalui produk dan layanan serta pemantapan infrastruktur ini, diharapkan BPD Kaltim dapat secara bertahap melakukan sinergi bersama dengan BPD- SI sesuai Key Performance Indicator KPI yang telah ditetapkan. Strategi Manajemen Secara umum, BPD Kaltim telah menjalankan fungsinya sebagai agen pembangunan dengan terus mengembangkan jaringan di seluruh Kabupaten dan Kota di Provinsi Kalimantan Timur dan Kalimantan Utara dan menjadi Bank dengan jaringan terluas di kedua provinsi ini. Jaringan BPD Kaltim sebagian besar ada di Kecamatan, wilayah perbatasan serta di luar pulau Kalimantan. Hingga akhir tahun 2015, jaringan BPD Kaltim telah menyentuh 75 kecamatan di seluruh penjuru Kalimantan Timur dan Kalimantan Utara. Di sisi lain, BPD Kaltim juga telah menyempurnakan 4 jaringan kantor di garis perbatasan Indonesia- Malaysia, yaitu KCP Sebatik diresmikan tahun 1999, KCP Krayan diresmikan tahun 2011, KCP Long Nawang diresmikan tahun 2014 dan Kantor Kas Long Apari diresmikan tahun 2015. Hal ini merupakan komitmen BPD Kaltim dalam menjaga kekuatan ekonomi nasional khususnya dalam hal persebaran mata uang Rupiah di perbatasan. Some of the preparations that have been implemented by BPD Kaltim in fulfilling basic targets of the program include: Through the product and services as well as infrastructure improvements, BPD Kaltim is expected to be gradually do the synergy with BPD-SI in accordance to Key Performance Indicator KPI that has been set. Management Strategy In general, BPD Kaltim has been carrying out its function as development agent by continuing to develop network throughout the Regencies and Cities in the province of East and North Kalimantan, and became the Bank with largest network in these two provinces. Network of BPD Kaltim mostly in the District, border areas as well as outside the island of Kalimantan. By the end of 2015, BPD Kaltim’s network has touched 75 of districts throughout the North and East Kalimantan. On the other hand, BPD Kaltim also has perfected4 office network in the border line between Indonesia and Malaysia, namely KCP Sebatik officially opened in 1999, KCP Krayan officially opened in 2011, KCP Long Nawang officially opened in 2014 and Long Apari Cash Office officially opened in 2015 .This is the commitment of BPD Kaltim in maintaining national economy strength, especially in terms of the spread of Rupiah at the border. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 80 Pengembangan jaringan akan tetap menjadi salah satu fokus korporasi pada tahun-tahun mendatang, yang diimbangi dengan penguatan produk dan layanan. Dalam menyambut hal tersebut, BPD Kaltim telah mempersiapkan strategi jangka pendek, menengah dan jangka panjang dalam mengakomodir kebutuhan pengembangan Bank sesuai dengan positioning dan differentiation yang telah dibuat, sebagai berikut: A. Strategi Jangka Pendek a. Melakukan pengembangan serta diversiikasi produk dan layanan termasuk jaringan kantorlayanan secara dinamis sesuai perkembangan bisnis Bank dan batasan Regulator Sebagaimana yang telah diluncurkan pada akhir tahun 2015 meliputi Tabungan SimPel, Internet Banking, CMS dan Laku Pandai. Adapun dalam jangka menengah, BPD-SI diharapkan dapat melaksanakan komitmen terkait dengan rencana transformasi BPD-SI atau strategic collaborationstrategic holding, yang didalamnya terdapat proses penyatuan meliputi pengembangan layanan BPD net yang merupakan layanan payment switching, baik untuk transaksi berbasis kartu maupun non- kartu, serta itur layanan seperti solusi layanan interbank switching meliputi ATM switching, mobile EDC, solusi layanan e-channel berupa web teller, internet banking, mobile banking, kiosk, cms dan financial supply chain management system; b. Melakukan persiapan perubahan Logo dan Nama Bank sejalan dengan pembentukan Provinsi Kalimantan Utara sesuai dengan keputusan Rapat Umum Pemegang Saham Lainnya Ketiga Tahun 2015; c. Membuat program edukasi perbankan kepada seluruh lapisan masyarakat melalui sarana dan media yang tepat sasaran; d. Memperkuat corporate image dan brand image Bank melalui sarana promosi dan berbagai program khususnya dalam penghimpunan Dana Pihak Ketiga yang tepat efektif dan eisien serta terarah dalam rangka meningkatkan citra Bank. B. Strategi Jangka Menengah a. Perluasan jaringan kantor dan branchless banking secara regional dan nasional dengan salah satu strategi memanfaatkan layanan Laku Pandai; b. Optimalisasi layanan berbasis kartu melalui e-payment pada seluruh banking delivery channel ATM, EDC, internet banking dan e-channel lainnya; c. Memperkuat corporate image dan brand image Network development will be remain as one of focus of the corporation in the years to come, which is offset by the strengthening of products and services. In doing so, BPD Kaltim has prepared a short term, medium and long term strategies to accommodate the development needs of the Bank in accordance with the positioning and differentiation that has been made, as following: A. Short-term Strategy a. Conducting development and diversification of products and services including dynamically offices network services according to Bank business development and the Regulatory limits, as has been launched at the end of 2015 including Tabungan SimPel, Internet Banking, CMS and Laku Pandai. As for medium term, BPD-SI expected to implement commitments related to BPD-SI proposed transformation or strategic collaborationstrategic holding, which there is a unification process includes the services development of BPD net which is a payment switching service, for both card or non-card transaction-based, card or non-card, as well as service features such as interbank switching service solutions include ATM switching, mobile EDC, e-channel service solutions in the form of web- teller, internet banking, mobile banking, kiosk, cms and financial supply chain management system; b. Preparation of the changes of Logo dan Bank name in line with the establishment of North Kalimantan Province, in accordance with the decision of the Third General Meeting of Other Shareholders in 2015; c. Create a banking education program for the whole society through appropriate media and facilities; d. Strengthening corporate image and brand image through promotion and various programs, especially in compile third party funds appropriately effectively and efficiently and well directed in order to improve the image of the Bank. B. Medium-term Strategy a. Expansion of branch network and branchless banking nationally and regionally with utilizing Laku Pandai services as one of the strategy; b. Card-based services optimization through e-payment on the entire bankingdelivery channels ATM, EDC, internet banking and other e-channel; c. Strengthening corporate image and brand Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 81 Bank melalui sarana promosi dan berbagai program khususnya dalam penghimpunan Dana Pihak ketiga yang tepat efektif dan eisien serta terarah dalam rangka meningkatkan citra Bank; d. Melakukan persiapan Spin Off Unit Usaha Syariah UUS. C. Strategi Jangka Panjang a. Mewujudkan visi dan misi Bank untuk menjadi Bank yang setara dengan bank nasional; b. Memiliki kompetensi Sumber Daya Manusia Human Capital yang setara dengan Bank Nasional; c. Memiliki produk layanan productservice management, manajemen konsumen customer management dan manajemen merek brand management; d. Melakukan Spin Off Unit Usaha Syariah UUS. Pada tahun 2016 mendatang, potensi perlambatan ekonomi di Kalimantan Timur dan Kalimantan Utara diperkirakan masih akan terjadi mengingat ketergantungan terhadap ekspor komoditas yang besar sebagai tulang punggung perekonomian kedua provinsi ini. BPD Kaltim sebagai bank terbesar di Kalimantan Timur dan Kalimantan Utara tidak akan terlepas dari dampak yang mungkin timbul, terutama dalam hal penyaluran dana, kualitas kredit dan penghimpunan Dana Pihak Ketiga. Dukungan Pemerintah Pusat untuk mendorong percepatan penyerapan anggaran pemerintah daerah guna melaksanakan proyek-proyek infrastruktur dan produktif lainnya akan memengaruhi perluasan dana pihak ketiga yang berasal dari Pemerintah Daerah. Oleh karena itu, BPD Kaltim tetap memegang prinsip pengembangan dana pihak ketiga swasta, serta memberikan perhatian lebih pada pengembangan Usaha Mikro Kecil dan Menengah UMKM yang lebih produktif. Dalam rangka mencapai hal tersebut, BPD Kaltim akan memberikan perhatian pada beberapa hal di tahun 2016, antara lain: 1. Diversiikasi produk dan jasa serta peningkatan layanan berbasis teknologi yang sesuai dengan kebutuhan masyarakat untuk meningkatkan proit melalui fee based income; 2. Peningkatan kompetensi Sumber Daya Manusia beserta infratruktur pendukung lainnya, terutama dalam bidang perkreditan dan manajemen risiko; 3. Peningkatan brand awareness serta brand produk image through promotion and various programs, especially in compile third party funds appropriately effectively and efficiently and well directed in order to improve the image of the Bank. d. Spin Off preparation of Sharia Business Unit UUS. C. Long-term Strategy a. Realize the vision and mission of the Bank to became Bank which is equivalent to national bank; b. Has the competences of Human Resources Human Capital which is equivalent to the National Bank; c. Having product service management, customer management and brand management; d. Do Spin Off for the Sharia Business Unit UUS. In 2016, estimated of potential economic slowdown in North and East Kalimantan occured considering large dependence on commodity export as economic support of these two provinces. BPD Kaltim as the largest bank in East North Kalimantan is inseparable from the impact, particularly in terms of disbursement, credit quality and Third party funds. Support of the Central Government to accelerate the absorption of local government budgets in order to carry out infrastructure projects and other productive will affect the expansion of third-party funds derived from local governments. Therefore, BPD Kaltim retain the principle of the development of private third-party funds, and give more attention to the development of Micro, Small and Medium Enterprises SME which are more productive. In order to achieve that, BPD Kaltim will give attention to a few things in 2016, such as: 1. Diversification of products and services and improvement of technology-based services that fit the needs of the community to increase profits through fee-based income; 2. Increased competence of Human Resources along with other supporting infrastructure, especially in the field of credit and risk management; 3. Increased brand awareness and products and services Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 82 dan layanan melalui peningkatan frekuensi dan kualitas promosi; 4. Pemetaan segmentasi, target dan potensi pasar dalam mendukung Sistem Informasi Pemasaran; 5. Pemantapan integrasi sistem pengelolaan SDM dalam hal perekrutan hingga pensiun. Pengelolaan Brand Brand Management Brand awareness menjadi salah satu perhatian utama Manajemen dalam segala kegiatan dan kebijakan sejak ditetapkannya visi Bank untuk menjadi The True Regional Champion dari Kalimantan Melalui Produk, Layanan dan Reputasi Setara Bank Nasional. Menciptakan reputasi setara Bank Nasional tentunya harus didukung pula dengan program-program peningkatan brand equity, yang dimulai dengan pemantapan brand awareness BPD Kaltim di masyarakat. Salah satu upaya dalam menciptakan reputasi yang setara dengan Bank Nasional adalah melalui peluncuran Program Corporate Social Responsibility CSR pada tahun 2015. Program ini merupakan menyempurnakan pelaksanaan tanggung jawab sosial yang sebelumnya terpenuhi melalui kegiatan bantuan dukungan murni tanpa promosi dan sponsorship dukungan dengan tujuan utama promosi yang disusun berdasarkan panduan ISO 26000. Kegiatan-kegiatan CSR BPD Kaltimyang diklasiikasikan ke dalam 3 tiga bidang utama program berkelanjutan yaitu Edukasi, Pendidikan, Bina Usaha, disamping kegiatan CSR Lainnya. Pelaksanaan program ini juga telah diatur dalam Kebijakan dan Prosedur Pelaksanaan Program Corporate Social Responsibility BPD Kaltim yang disahkan melalui Surat Keputusan Direksi Bank Pembangunan Daerah Kalimantan Timur Nomor: 008SKBPD-PSTI2015 tentang Kebijakan dan Prosedur Pelaksanaan Program Corporate Social Responsibility CSR Bank Pembangunan Daerah Kalimantan Timur tanggal 2 Januari 2015. brand through the improvement of the frequency and quality promotion; 4. Mapping of segmentation, targets and market potential in supporting the Marketing Information System; 5. Strengthening the integration of human resources management system for recruitment until retirement. Brand Management Brand awareness became one of the main concerns of Management in all activities and policies since the enactment of the Bank’s vision to became The True Regional Champion from Kalimantan Through The Product, Services and Reputation Which Is Equivalent To National Bank. Earned a reputation equivalent to National Bank must be supported by various program to improve brand equity, which began with the consolidation of BPD Kaltim brand awareness in the society. One of the efforts in creating a reputation equivalent to the National Bank is through the launch of Corporate Social Responsibility CSR Program in 2015. This program is the completion of social responsibility implementation that previously fulfilled through assistance pure without promotion and sponsorship support with promotion as main purpose which is based on ISO 26000 guidelines. BPD Kaltim CSR activities are classified into three 3 sustainable programs main areas such as Education, Scholarship, Business Development, besides the other CSR activities. The implementation of these programs have also been arranged in the Policies and Procedures Implementation of Corporate Social Responsibility Program of BPD Kaltim, which is ratified by the Decree of Directors of Bank Pembangunan Daerah Kalimantan Timur Number 008SKBPD-PSTI2015 on Policies and Procedures Implementation of Corporate Social Responsibility Program CSR of Bank Pembangunan Daerah Kalimantan Timur, dated January 2, 2015. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 83 Konsep Membangun Reputasi Perusahaan yang Diadopsi dari Pemodelan Corporate Identity Westcott Alessandri 2001 | Building Corporate Reputation Concept that Adopted from Corporate Identity Westcott Alessandri Model 2001 Selama tahun 2015, kegiatan peningkatan brand awareness juga digiatkan melalui penyeragaman materi untuk seluruh media promosi yang dikelola oleh Sekretariat Perusahaan. Agenda penyeragaman materi promosi untuk produkjasa berdasarkan Surat ke pimpinan unit terkait Nomor: 570F-3BPD-PST SEKPERXII2014 tanggal 16 Desember 2014 Perihal: Penyeragaman dan Penyiapan Materi Promosi BPD Kaltim Tahun 2015, sebagai berikut: During 2015, activities to increase brand awareness intensified through the material uniformity for entire media campaign that run by the Company Secretariat. Uniformity agenda of the promotion material for the productservices based on the letter to the related unit leader Number: 570F-3BPD-PSTSEKPERXII2014, dated December 16, 2014, Subject: Unification and the Preparation of BPD Kaltim Promotional Materials in 2015, as following: Bagaimana masyarakat melihat mengerti | How the society see understand Reputasi Perusahaan Corporate Reputation Citra Perusahaan Corporate Image Identitas Perusahaan Corporate Identity VisiMisi Perusahaan Companies Visson and Mission Presentasi Visual: Visual Presentation: Perilaku Perusahaan: Companies Conduct: Bagaimana masyarakat melihat mengerti | How the companies present it self 1 Januari | January Produk Funding | Products Funding 2 Februari | February Produk Kredit UMKM | SME Credit Products 3 Maret | March Program-programEvent Pemasaran Tertentu | Certain Marketing ProgramsEvent 4 April | April Peluncuran Produk Jasa Terbaru | Launching of Lattest ProductsServices 5 Mei | May Produk Kredit Korporasi | Corporate Credit Products 6 Juni | June Produk Funding | Products Funding 7 Juli | July Jasa dan Layanan perbankan | Banking Services 8 Agustus | August Program-program Event Pemasaran Tertentu | Certain Marketing ProgramsEvent 9 September | September Produk Kredit UMKM | SME Credit Products 10 Oktober | October Kegiatan Strategis Korproasi corporate image | Corporate strategic Activity corporate image 11 November | November Program-program Event Pemasaran Tertentu | Certain Marketing ProgramsEvent 12 Desember | December Produk Funding | Products Funding No Bulan | Month Materi | Material Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 84 Adapun media promosi yang dimiliki atau bekerjasama dengan BPD Kaltim, antara lain: Surat Kabar Newspaper Kaltim Post Tribun Kaltim Samarinda Pos Koran Kaltim Bando Jalan Street Billboard Jl. Basuki Rahmat Samarinda Jl. Bhayangkara Samarinda Jl. S. Parman Samarinda JL. Slamet Riyadi Samarinda Billboard Billboard Jl. MT. Haryono Balikpapan Jl. Yos Sudarso III Sangatta Jl. Yos Sudarso Jemb. Pinang Sangatta Jl. Propinsi Penajam Jl. Basuki Rahmat Tana Paser Website www.bankaltim.co.id Media Sosial Social Media Facebook nama akun: Bpd kaltim | Facebook account name: Bpd kaltim Twitter nama akun: bpd_kaltim | Twitter account name: bpd _kaltim Youtube nama akun: BPD Kaltim | Youtube account name: BPD Kaltim Media Lainnya | Other Media Bankaltimedia Jenis Media | Media Type Nama Media | Media Name Media campaign that is owned or cooperate with BPD Kaltim, include: Selain melakukan promosi melalui media-media tersebut di atas, peningkatan brand awareness juga diimplementasikan melalui merchandise perusahaan dan kegiatan insidental bukan rutin melalui media massa lainnya seperti radio dan televisi. Total biaya promosi, diluar CSR dan bantuansumbangan, selama tahun 2015 adalah sebesar Rp 10.324.314.801,- atau terealisasi 12.39 dari Rencana Bisnis Tahun 2015. Sementara untuk kegiatan bantuan dan sumbangan selama tahun 2015 mencapai Rp 497.918.052,- . Pelaksanaan Corporate Social Responsibility Pelaksanaan Corporate Social Responsibility CSR perusahaan ditetapkan dalam beberapa peraturan antara lain Undang-Undang No.40 Tahun 2007 tentang perseroan terbatas UUPT serta Peraturan Pemerintah No.47 Tahun 2012 tentang Tanggung Jawab Sosial dan Lingkungan Perseoran Terbatas PP 472012. Selain itu bagi perusahaan di bawah Kementerian Badan Usaha Milik Negara, pelaksanaan CSR diatur lebih khusus dalam bentuk Program Kemitraan dan Bina Lingkungan PKBL. CSR tidak semata menjadi tanggung jawab sosial perusahaan namun juga sangat erat kaitannya Beside promotion through the media mentioned above, efforts to increase brand awareness also implemented through company merchandise and incidental activity not routine through mass media such as radio and television. Total cost of the promotion, beyond CSR and assistancedonations cost, during 2015 was Rp 10,324,314,801,- or had realize 12.39 of 2015 Business Plan. Meanwhile, for the aid and assistance during 2015 reached IDR 497,918,052,- . Company Corporate Social Responsibility Company Corporate Social Responsibility CSR implementation defined in the regulations, include Law No. 402007 concerning Limited Liability Company company law as well as Government Regulation No. 472012 concerning Social and Environmental Responsibility of Limited Liability Company PP 472012. In addition, for companies under the Ministry of State-Owned Enterprises, the implementation of CSR is set specifically in the form of the Partnership Program and Community Development. CSR is not just about corporate social responsibility but also very closely related to the implementation Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 85 dengan penerapan prinsip-prinsip Good Corporate Governance GCG. Secara internal, tanggung jawab perusahaan diatur dalam Code of Conduct BPD Kaltim melalui Surat Keputusan Direksi Nomor: 154 SKBPD-PSTXII2007 tanggal 17 Desember 2007. Selain itu, kerangka Program CSR juga mengacu pada Kode Etik Bankir Indonesia yang diterbitkan Ikatan Bankir Indonesia update Tahun 2013 yang menyebutkan bahwa salah satu standar etika profesi Bankir Indonesia adalah bertanggungjawab dalam menciptakan kemakmuran, tidak terbatas kepada pemegang saham tetapi juga kepada para pemangku kepentingan dan lingkungan tempat bank itu beroperasi. BPD Kaltim merupakan perusahaan milik daerah yang bergerak dalam bidang jasa dan bergantung pada masyarakat untuk menjalankan core bisnisnya. Oleh karena itu, BPD Kaltim memandang Program CSR tidak lagi sebagai supporting practice melainkan sebagai salah satu aspek kebijakan Manajemen dan reputasi jangka panjang perusahaan.Untuk itu, penyusunan Program CSR dilakukan secara sistematis berdasarkan analisa sederhana atas ISO 26000 yang menjadi guidelines program tanggung jawab sosial oleh banyak perusahaan atau organisasi. Pada akhirnya, program CSR BPD Kaltim disusun dengan skema waktu Long Term, Short Term dan Annual Routine baik yang bersifat berkelanjutan sustainable maupun CSR Lainnya sesuai dengan efektiitas nilai dan urgensitas masing-masing program dan turunannya. Dalam kajian tersebut, jenis CSR BPD Kaltim terbagi menjadi dua yaitu kegiatan berkelanjutan dan kegiatan CSR Lainnya yang mengakomodasi peluang CSR lainnya yang sesuai dengan visi, misi, dan kebijakan Bank serta aturan yang berlaku dengan harapan dapat memberi manfaat jangka panjang yang bersifat corporate branding bukan sustainability program. Untuk CSR Berkelanjutan, dibagi ke dalam 3 tiga bidang utama yaitu Edukasi dalam rangka meningkatkan literasi keuangan atau perbankan, Pendidikan dan Bina Usaha. Sementara untuk kegiatan CSR Lainnya membuka peluang untuk berbagai kegiatan insidental seperti kegiatan sarana dan prasarana umum, sarana dan prasarana agama dan kegiatan CSR di masing-masing Kantor Cabang yang biasanya tidak dapat digolongkan ke dalam kegiatan sustainable atau bantuan. Selama tahun 2015 total biaya Program CSR BPD Kaltim yang terealisasi mencapai Rp2,285,830,703 atau 12.08 dari Rencana Bisnis Bank Tahun 2015. of Good Corporate Governance GCG. Internally, Company responsibility regulated in BPD Kaltim Code of Conduct, through Board of Directors Decree Number: 154SKBPD-PSTXII2007 dated December 17, 2007. Furthermore, CSR Program framework also refers to Indonesian Bankir Code of Conduct issued by Indonesian Bankir Association updated in 2013 which stated that one of the Indonesian Bankers standard ethics are responsible for creating prosperity, not only limited to shareholders but also to the stakeholders and the environment in which the bank operates. BPD Kaltim is regional owned enterprises which is engaged in service industry and rely on the society to carry out its business core. Therefore, BPD Kaltim CSR program is no longer looked at as a supporting practice but rather as one aspect of management policies and the company’s long-term reputation. For that reason, the preparation of the CSR program is carried out systematically by simple analysis on the ISO 26000 which is became guidelines of social responsibility programs by many others companies or organizations. In the end, BPD Kaltim’s CSR program prepared by Long Term, Short Term and Annual Routine time scheme, whether it is sustainable or other CSR form accordingly with value and urgency effectiveness of each program and its derivatives. In the study, the type of BPD Kaltim’s CSR is divided into two include sustainable activities and other CSR activities, which is accommodate opportunities of other CSR in accordance with the vision, mission, and Bank’s policies as well as the applicable rules with the hope to provide corporate branding long-term benefits, not just sustainability program. Sustainable CSR divided into three 3 main areas, namely Education in order to improve the financial literacy or banking, Scholarship and Business Development. As for the other CSR activities, opens up opportunities for various incidental activities such as facilities and infrastructure public activities, religious facilities and infrastructure and CSR activities in each branch office that normally can not be classified into sustainable activities or assistance. During 2015 the total cost of BPD Kaltim CSR Program that realized reached Rp2,285,830,703 or had realize 12.08 of 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 86 Post realisasi terbesar adah pada bidang Pendidikan yang mencapai 93.79 disusul bidang edukasi, Bankaltim Bina Usaha dan CSR Lainnya masing- masing 34.58, 16.3 dan 6.99. Secara keseluruhan, total realisasi biaya CSR BPD Kaltim mencapai 12.08 dari Rencana Bisnis yang telah ditetapkan. CSR Berkelanjutan Bidang Edukasi Keuangan Biaya kegiatan edukasi keuangan terealisasi sebesar 24.8 dari Rencana bisnis Bank Tahun 2015. Kegiatan- kegiatan edukasi yang dilaksanakan selama Tahun 2015 antara lain: 1. Peduli Kasih Orang Tua Peduli Kasih Orangtua merupakan kegiatan yang telah dilaksanakan oleh BPD Kaltim sejak bulan Juni 2013 sebagai bentuk charity bagi nasabah TabunganKu Taspen dan Pensiunan BPD Kaltim. Kegiatan ini pada mulanya bertujuan untuk meningkatkan loyalitas nasabah dan meningkatkan reputasi serta brand image BPD Kaltim. Di samping itu sesuai dengan Surat Edaran Otoritas Jasa Keuangan Nomor 1 SEOJK.072014 tentang Pelaksanaan Edukasi dalam Rangka Meningkatkan Literasi Keuangan Kepada Konsumen danatau Masyarakat yang mulai berlaku pada 6 Agustus 2014 disebutkan bahwa kegiatan yang berupa pemberian bantuan sosial yang bersifat charity dapat merupakan pelaksanaan Edukasi apabila kegiatan tersebut dilakukan berkesinambungan dan dilaksanakan monitoring secara berkala. 2. Agen Edukasi Kegiatan Agen Edukasi merupakan hasil kerjasama antara BPD Kaltim dan Lembaga Pengembangan Pada Masyarakat LPPM Universitas Mulawarman untuk menjadi fasilitator kegiatan edukasi keuangan dan perbankan bagi masyarakat yang dalam pelaksanaannya bekerjasama dengan Kantor Cabang. Terpilih 50 kelompok KKN yang kemudian menjadi mitra BPD Kaltim dalam melaksanakan kegiatan edukasi dan CSR di wilayah penempatannya masing-masing. Total 50 kelompok tersebut disebar ke 13 KabupatenKota di Kalimantan Timur dan Kalimantan Utara, antara lain: Samarinda, Balikpapan, Berau, Bontang, Kutai Timur, Kutai Barat, Kutai Kartanegara, Penajam Paser Utara, Paser, Tana Tidung, Bulungan, Nunukan dan Malinau. Total peserta yang tergabung dalam kegiatan Agen Bank Business Plan. Biggest realization post was in the field of Scholarship which reached 93.79 followed by the field of education, Business Development of Bankaltim dan other CSR respectively 34.58, 16.3 and 6.99. Overall, total cost of these BPD Kaltim’s CSR program reached 12.08 of the Business Plan that has been set. Sustainable CSR Financial Education Sector Cost of financial education activities realized for 24.8 of 2015 Bank Business Plan. Educational activities that carried out during 2015 include: 1 Peduli Kasih Orang Tua Peduli Kasih Orangtua is the activities carried out by BPD Kaltim since June 2013 as a form of charity for customers of TabunganKU Taspen and retirement of BPD Kaltim. This activity was originally intended to increase customer loyalty and enhance the reputation and brand image of BPD Kaltim. Besides that, according to the Financial Services Authority OJK Circular Letter No. 1 SEOJK.07 2014 concerning Implementation of Education in order to Improve Financial Literacy to Customers and or Society that come into force on August 6, 2014, stated that every activity for the provision of social assistance which is charity, which is charity can be the implementation of Education if they are carried out continuous and there is periodic monitoring on it. 2. Agen Edukasi Education Agents Education Agent Activity is the result of cooperation between BPD Kaltim and Society Development Institute LPPM of University of Mulawarman, to become facilitators for the banking and financial education to the society, which in its implementation is in cooperation with Branch Office. 50 KKN Community Service Program group that selected which is later became partner of BPD Kaltim in carrying out educational activities and CSR in each placement. That 50 groups spread to 13 regents cities in East Kalimantan and North Kalimantan, among others: Samarinda, Balikpapan, Berau, Bontang, East Kutai, West Kutai, Kutai Kartanegara, North Penajam Paser, Paser, Tana Tidung, Bulungan, Nunukan and Malinau. Total participants that joined in the Education Agents Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 87 Edukasi Tahun 2015 mencapai 467 mahasiswa dari berbagai jurusan di Universitas Mulawarman. Lokasi kegiatan ini meliputi Kalimantan Timur dan Kalimantan Utara. Melalui kegiatan Agen Edukasi BPD Kaltim telah melaksanakan dua kegiatan edukasi dalam satu kemasan.Kegiatan pertama berupa sosialisasi edukasi kepada para Agen Edukasi yang dilaksanakan pada 2 Juli 2015 dan dihadiri lebih dari 300 peserta. Selanjutnya, para Agen Edukasi ini akan menyampaikan kembali informasi yang mereka peroleh dari Sosialisasi kepada masyarakat di lokasi KKN mereka. 3. Kuliah TamuSeminar Pada tahun 2015 kegiatan kuliah tamu atau seminar telah direncanakan untuk diadakan minimal sebanyak 2 dua kali di Universitas Mulawarman dan Universitas Balikpapan. Namun pada realisaisnya, BPD Kaltim belum menyelenggarakan kegiatan Kuliah Tamu atau Seminar pada tahun 2015 dikarenakan kegiatan- kegiatan lain yang baru pertama kali dilaksanakan ternyata membutuhkan perhatian besar dari TIM CSR yang juga memiliki keterbatasan sumber daya manusia. Meskipun demikian, staf Sekretariat Perusahaan pernah diundang dan hadir bukan atas program dari BPD Kaltim untuk menyampaikan Kuliah Tamu dengan judul Kontrak Komersial Bawah Tangan dan Kontrak Perbankan oleh Fakultas Hukum Universitas Mulawarman Samarinda pada tanggal 10 April 2015. Activity in 2015 reached 467 students from various departments at the University of Mulawarman. The location of these activities include East Kalimantan and North Kalimantan. Through the activities of Educational Agents, BPD Kaltim has conducted two educational activities in one package. First activity was education socialitation to the Edication Agents that held on July 2, 2015 and attended by more than 300 participants. Further, the Education Agents will deliver back the information that they got from socialization to the society in their KKN site. 3. Guest LectureSeminar In 2015 guest lecture or seminar activity have been planned for a minimum of 2 two times at University of Mulawarman and University of Balikpapan. But in real, BPD Kaltim not yet held a guest lecture or seminar in 2015 due to other activities that held for the first time and need much attention from the CSR Team which is limited in the quantity of human resource. Despite that, staff of Company Secretariat had been invited and present not on BPD Kaltim program as Guest Lecturer on Below Hands Commercial Contracts and Banking Contracts by Law Faculty of University of Mulawarman, Samarinda, on April 10, 2015. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 88 4. Kegiatan Lainnya Terdapat pula beberapa kegiatan edukasi yang terlaksana meskipun tidak direncanakan dalam Rencana Bisnis Bank sebelumnya. Kegiatan-kegiatan ini dilaksanakan atas beberapa pertimbangan seperti permintaan khusus Gubernur Provinsi Kalimantan Timur, benefit sponsorship dan alasan lain yang menyebabkan urgen dilaksanakan pada tahun 2015. Kegiatan-kegiatan tersebut, antara lain: a. TV Reality Show yang bekerjasama dengan Bank Indonesia dan TVRI. Kegiatan ini dibuat atas prakarsa dari Gubernur Provinsi Kalimantan Timur bersama Bank Indonesia Perwakilan Samarinda dan BPD Kaltim. b. Kegiatan Edukasi D’Kukar Zone, yaitu wahana bermain anak yang disponsori oleh BPD Kaltim. Salah satu wahana di D’Kukar Zone dibuat miniatur BPD Kaltim dengan berbagai perlengkapan yang dapat digunakan anak- anak untuk seolah-olah belajar menjadi bankir, sambil mengetahui manfaat-manfaat kegiatan perbankan. Kegiatan ini merupakan bagian dari sponsorship BPD Kaltim dalam pembangunan D’Kukar Zone. Bidang Pendidikan Kegiatan Bidang Pendidikan yang dilaksanakan sesuai Rencana CSR adalah Beasiswa Bankaltim Prima. Anggaran biaya pendidikan telah tercapai 93.79 dari Rencana Bisnis Bank Tahun 2015. Pencapaian optimal ini disebabkan selain kegiatan Beasiswa Bankaltim Prima berjalan sesuai rencana, juga karena adanya kegiatan pendidikan tambahan di pertengahan tahun yaitu Civitas Cerdas, kerjasama BPD Kaltim dengan Business Center Universitas Mulawarman dan Kaltim Post. 1. Beasiswa Pada rencana pelaksanaan, kegiatan ini akan bekerjasama dengan 10 Perguruan Tinggi yaitu Universitas Mulawarman, Institut Agama Islam Negeri Samarinda, Universitas 17 Agustus 1945 Samarinda, Universitas Widayagama Mahakam Samarinda, STMIK Widya Cipta Dharma Samarinda, Politeknik Negeri Samarinda, Politeknik Negeri Balikpapan, STIE Madani Balikpapan, Universitas Balikpapan dan Universitas Borneo Tarakan. Dari serangkaian tes yang telah diselenggarakan, terpilih 50 orang penerima Beasiswa Bankaltim Prima Periode 1 Tahun 2015. Para penerima ini kemudian diresmikan dalam Inaugurasi dan Gathering Penerima Beasiswa Bankaltim Prima Tahun 2015 yang dilaksanakan pada 5 Agustus 2015. 4. Other Activity There are also some educational activities carried out although it is not planned in the previous Bank’s Business Plan. These activities are carried out based on several considerations such as special request by the Governor of East Kalimantan Province, benefit sponsorship and other reasons that made it urgent to implemented in 2015. These activities include: a. Reality Show on TV, in cooperation with Bank Indonesia and TVRI. This activity is made by the initiative of the Governor of East Kalimantan Province with Bank Indonesia Samarinda Representative and BPD Kaltim. b. D’Kukar Zone Educational Activity, which is children playground that sposored by BPD Kaltim. One of the rides at D’Kukar Zone is a miniature of BPD Kaltim with various equipment that can be used by the children so that they can learn to be a banker, while knowing the benefits of banking activities. This activity is part of the sponsorship of BPD Kaltim in D’Kukar Zone development. Scholarship Sector Scholarship Sector activities that implemented accordingly to CSR Plan was Bankaltim Prima Scholarship. Scholarship Cost Budget has reached 93.79 of 2015 Bank Business Plan. This optimal achievement is due to not only Bankaltim Prima Scholarship Activity goes according to the plan, but also because of the additional education activity in the middle of the year namely Civitas Cerdas, a collaboration between BPD Kaltim with Business Center of Mulawarman University and Kaltim Post. 1. Scholarship In the implementation plan, this activity will be cooperating with 10 universities, such as Mulawarman University, Samarinda State Islamic Institute, 17 Agustus 1945 University of Samarinda, Widayagama Mahakam University of Samarinda, STMIK Widya Cipta Dharma of Samarinda, State Polytechnic of Samarinda, State Polytechnic of Balikpapan, STIE Madani of Balikpapan, Balikpapan University and Borneo Tarakan University. From a series of test, elected 50 recipients of Bankaltim Prima Scholarship Period 1, 2015. The recipient then formalized in the inauguration and Gathering of Bankaltim Prima 2015 Scholarship which was held on August 5, 2015. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 89 Pada kegiatan tersebut diundang pula pimpinan- pimpinan Perguruan Tinggi yang bekerjasama dengan BPD Kaltim dalam kegiatan ini untuk meningkatkan keharmonisan BPD Kaltim dengan intitusi-institusi tersebut. Kegiatan yang berlangsung selama 2 dua hari tersebut kemudian dilanjutkan dengan kegiatan pembinaan bagi para Penerima Beasiswa Bankaltim Prima. Tujuan utama pembinaan tersebut adalah para penerima memiliki pengetahuan tentang perbankan, edukasi keuangan, proil BPD Kaltim, program CSR BPD Kaltim dan tentunya penguatan karakter mereka sebagai Agen Reputasi dan Agen Edukasi BPD Kaltim. Anggaran kegiatan Beasiswa adalah sebesar 1.37 dari total Renbis Program CSR Tahun 2015. Kegiatan yang termasuk dalam post ini adalah Beasiswa Bankaltim Prima yang diperuntukkan bagi mahasiswa berprestasi dari 10 Perguruan Tinggi di Kaltim dan Kaltara. Beasiswa diberikan kepada 50 mahasiswa yang lolos seleksi dalam bentuk pemberian dana pembinaan sebesar Rp 600.000,-bulan selama 2 semester Masa Aktif serta kegiatan-kegiatan pembinaan karakter dan softskill selama masa aktif tersebut. In the event, also invited the leaders of the College that in cooperation with BPD Kaltim to improve the harmony between BPD Kaltim and the institutions. The activities takes two 2 days and then continued with training activities for Bankaltim Prima Scholarship Recipients. The main purpose of the training was that the recipient had the knowledge of banking, financial education, profile of BPD Kaltim, BPD Kaltim CSR program and of course the strengthening of their character as an Agent of Reputation and BPD Kaltim Education Agency. Scholarships activity budget amounted was 1.37 from the total of 2015 CSR Program Business Plan. Activities that included in this post was Bankaltim Prima Scholarship that intended for outstanding students from 10 College in East Kalimantan and North Kalimantan. Scholarships awarded to 50 students who qualify for selection, in the form of development funds amounting to Rp 600.000, - month for 2 semesters active period as well as character and soft skills building activities during the active period. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 90 2. Civitas Cerdas Civitas Cerdas adalah kerjasama BPD Kaltim dan Kaltim Post yang terdiri dari 2 dua kegiatan. Kegiatan pertama adalah pembuatan rubrik khusus Civitas Cerdas di Surat Kabar Harian Kaltim Post setiap hari yang memuat berita-berita tentang Universitas Mulawarman dan peran serta mahasiswa dalam berbagai isu di seputar kampus dan pengembangan di kota Samarinda dan Provinsi Kalimantan Timur pada umumnya. Kegiatan kedua adalah terkait metode kerjasama yaitu dengan menempatkan SKH Kaltim Post di 100 spot di seluruh Universitas Mulawarman untuk memancing minat baca sekaligus media edukasi BPD Kaltim kepada para civitas akademika. Bidang Bina Usaha 1. Pembinaan Komunitas UMKM Kegiatan ini telah terlaksana sebanyak 2 dua kali selama tahun 2015. Kegiatan pertama bertajuk Gathering Pengusaha UMKM dengan kehadiran peserta mencapai lebih dari 300 orang yang berasal dari pengusaha binaan Komunitas Belanja Kaltim, komunitas binaan Dinas Perindustrian Perdagangan dan Koperasi Disperindagkop serta pengusaha dari komunitas lainnya di Samarinda. Kegiatan ini dilaksanakan di Gedung Serba Guna Lt. 6 BPD Kaltim pada 26 Februari 2015. Kegiatan gathering ini membawa tema pengenalan dan sosialisasi pengajuan kredit kepada BPD Kaltim serta Jamkrida bagi pengusaha yang belum bankable menurut sudut pandang Bank.Pada kegiatan tersebut juga diadakan mini pameran produk karya UMKM. Pada 10 Juli 2015 kembali diadakan kegiatan pembinaan pengusaha UMKM, khususnya bagi pengusaha dalam binaan komunitas Wisata 2. Civitas Cerdas Civitas Cerdas was the cooperation between BPD Kaltim and Kaltim Post which consist of 2 two activities. First is the making of Civitas Cerdas special section at Kaltim Post Daily Newspaper which contains of news about University of Mulawarman and the participation of students in the various issues around the campus and development in Samarinda and East Kalimantan in general. The second activity related to the cooperation method, that is by putting SKH Kaltim Post in 100 spot around University of Mulawarman to lure reading interest and at the same time as BPD Kaltim education media for the academic community. Business Development Sector 1. SME Community Development This activity has been implemented for 2 two times during 2015. First event entitled SME Entrepreneurs Gathering with more than 300 participants who came from assisted entrepreneurs of Belanja Kaltim Community, assisted community of the Industry, Trade, and Cooperatives Service Disperindagkop as well as entrepreneurs from other communities in Samarinda. This event was held at the Multipurpose Building 6th Floor of BPD Kaltim on February 26, 2015. This gathering activities carries the theme of introduction and socialization for applying credits to BPD Kaltim and Jamkrida for entrepreneurs who are not bankable according to the viewpoint of the Bank. In the event, also held a mini exhibition of SME products. On July 10, 2015 once again were held the SME development activities, especially for entrepreneurs who were member of Wisata Belanja Kaltim Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 91 No Kegiatan | Activities 1 Sarana Pendukung Belajar Mengajar Program CSR BPD Kaltim di Lembaga Permasyarakatan Kelas II A Samarinda | Supporting Facilities of Teaching and Learning CSR BPD Kaltim Program in Class II A Correctional Facility of Samarind a 2 Kegiatan Isra Miraj Lapas Klas II A Samarinda | Isra Miraj Activity at Class II A Correctional Facility of Samarinda 3 Tong Sampah Pasar Ramadhan 1436 H Gor Segiri Samarinda | Ramadhan 1436 H Market Trash Can, Segiri Sport Center of Samarinda 4 2 unit Motor Patroli untuk Kepolisian Resor Samarinda | 2 unit Patrol motorcycle for Samarinda Police Resort 5 Mobil Pelayanan Pajak Kota Tarakan | Tarakan City Tax Service Car 6 Truk Kebersihan Kabupaten Penajam Paser Utara | Hygiene Truck for North Penajam Paser Regency 7 Kegiatan lainnya | Other activities Selama tahun 2015, terdapat beberapa kegiatan yang digolongkan dalam CSR lainnya, yaitu: During 2015, there is several activities that clasified as Other CSR, such as: Belanja Kaltim.Tema utama yang dibawa dalam kegiatan pembinaan kali ini adalah pengarahan dalam pembuatan Koperasi Wisata Belanja Kaltim. Melalui koperasi ini BPD Kaltim berharap dapat lebih mudah melaksanakan linkage program yang bermanfaat bagi masyarakat khususnya yang sampai saat ini tergabung dalam komunitas Wisata Belanja Kaltim. Total biaya dua kegiatan gathering mencapai 16.35 dari total biaya yang dianggarkan dalam Rencana Bisnis Bank Tahun 2015. CSR Lainnya Selain melaksanakan program CSR yang bersifat berkelanjutan, BPD Kaltim juga menjalankan kegiatan lainnya dalam kerangka CSR Lainnya. Program CSR Community. Main theme in this development activities was guidance in the manufacture of Kaltim Shopping Tourism Cooperative. Through this cooperative, BPD Kaltim wish can be more easily to implement linkage programs that benefit the community especially those who were currently member of Wisata Belanja Kaltim Community. Two gathering activity’s total cost reached 16.35 from total cost that budgeted in the 2015 Bank Business Plan. Other CSR In addition to implement sustainable CSR program, BPD Kaltim also run other activities within the framework Lainnya merupakan program untuk mengakomodir peluang CSR lainnya yang sesuai dengan visi, misi, dan kebijakan Bank serta aturan yang berlaku. Program ini diharapkan dapat memberi manfaat jangka panjang yang bukan bersifat berkelanjutan namun secara promosi bertahan dalam jangka waktu yang lama. Selama tahun 2015, terdapat beberapa kegiatan yang digolongkan dalam CSR lainnya, yaitu: of Other CSR. Other CSR program was a program that aims to accommodate other CSR opportunities in accordance with vision, mission, and policies of the Bank as well as applicable rules. The program is expected to provide long-term benefits, which is not contuniously implemented, but survive for long periods in promote. During 2015, There are some activities that are classified in Other CSR, such as: Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 92 Tinjauan Bisnis Business Highlights “Tahun 2015 memberikan banyak tantangan bagi kegiatan Bank. Tekanan dari dalam maupun luar negeri memberikan pengaruh signiikan pada performa lending maupun funding. Meskipun demikian, optimisme dan integrasi dari seluruh elemen Bank dan dukungan masyarakat menjadi semangat kami mengembangkan Bank untuk lebih baik lagi. Masyarakat Ekonomi Asean MEA menjadi tantangan selanjutnya, melalui transformasi kelembagaan yang telah dicanangkan, BPD Kaltim siap berpartisipasi menyambut tantangan tersebut.” Year of 2015 gave many challenges for the activities of the bank. Many pressure from both domestic and foreign had given significant influence to the performance of lending and funding. Despite that, optimism and integration from all bank elements and the support from the society triggered our spirit to develop the bank to perform much better. Masyarakat Ekonomi Asean MEA becomes the next challenge, through institutional transformation which has been declared, BPD Kaltim is ready to participate in orde to welcome that challenge. ISMUNANDAR AZIS Direktur Kredit Director of Credit 83 84 86 90 91 92 99 101 109 117 Kredit Credit Kredit Korporasi Sindikasi Corporate Syndicated Credit Kredit UMKM Konsumer MSME Credit Consumer Pengendalian dan Penyelamatan Kredit Credit Control and Rescue Suku Bunga Dasar Kredit SBDK Suku Bunga Dasar Kredit SBDK Treasury Internasional Treasury International Pengelolaan Batas-batas GWM, PDN dan lain-lain Management Boundaries GWM, PDN, and etc Funding Funding Perusahaan Company Pengembangan Bisnis Business Development Tinjauan Bisnis Business Highlights Perjalanan tahun 2015 yang belum memberi angin segar bagi perekonomian global dan nasional sangat memengaruhi pertumbuhan ekonomi Kalimantan Timur dan Kalimantan Utara. Hal ini dilihat dari kinerja intermediasi perbankan regional yang mengalami kontraksi dalam penyaluran kredit sebesar 1.86 yoy di akhir 2015, menurun tajam dibanding triwulan III yang tumbuh positif 5.07 yoy. Kondisi ekonomi global yang masih belum menunjukkan pertumbuhan positif memengaruhi banyak pengusaha untuk bergerak aman dan enggan melakukan ekspansi usaha. Demikian juga dengan perbankan yang sangat berhati-hati dalam melakukan penyaluran kredit atau dibebani oleh debitur yang kurang sehat. Sektor pertambangan, khususnya non migas, menjadi pemicu utama perlambatan ekonomi di Kalimantan Timur.Hal ini terimbas dari harga komoditas dan permintaan yang masih rendah di pasar internasional. Di sisi lain, fenomena El Nino juga menjadi salah satu faktor utama kontraksi ekonomi Kalimantan Timur. Kekeringan panjang sebagai dampak El Nino yang dirasakan sejak pertengahan 2015 dan masih berdampak hingga akhir 2015 menyebabkan banyak komoditas sektor pertanian dan perkebunan khususnya produktivitas hasil perkebunan kelapa sawit dan tabama tanaman bahan makanan banyak menderita gagal panen karena kekeringan.Penurunan pada sektor-sektor utama ini kemudian memberikan dampak pada sektor pendukung lainnya yang terakumulasi pada perlambatan ekonomi daerah. Kredit Credit The journey of the year 2015 had not been given the fresh wind for the global and national economy which greatly affects the economic growth in East Kalimantan and North Kalimantan. This matter is seen from the performance of regional banking intermediation which had the contraction in lending by 1.86 yoy at the end of 2015, declined sharply compared to the third quarter that had grown positively 5:07 yoy. Global economic conditions are still not showing positive growth influence for many entrepreneurs to move safely and reluctant to expand the business. As well with banks extremely cautious in distributing credit or burdened by debtors who are less healthy. The mining sector, especially non-oil sector, became the main trigger of economic slowdown in East Kalimantan. It affected the commodities’ prices and demand which is still low in international market. On the other hand, the phenomenon of El Nino also became one of the main factors of economic contraction in East Kalimantan. Long drought as the impact of El Nino felt since mid-2015 and still affected up at the end of 2015 caused many agriculture commodity sectors and farming particularly in the productivity results of palm oil plantations and tabama tanaman bahama makanan or plant foodstuffs many suffered crop failures because of drought. Degradation on this main sectors then have an impact on other supporting sectors that accumulates on the economic slowdown in the region. 95 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM Kontraksi ekonomi di Kalimantan Timur memberikan efek langsung bagi kinerja penyaluran kredit BPD Kaltim. Direktorat Kredit BPD Kaltim bergerak pada sektor-sektor produktif maupun konsumtif melalui tiga unit kerja yang saling berintegrasi, yaitu Divisi Kredit Korporasi Sindikasi, Divisi Kredit UMKM Konsumer dan Divisi Pengendalian Penyelamatan Kredit telah secara optimal melakukan usaha peningkatan fungsi intermediasi BPD Kaltim. Meskipun demikian, kondisi ekonomi yang tidak mendukung tidak dapat dielakkan memberikan catatan yang kurang baik pada penyaluran kredit BPD Kaltim di tahun 2015. Kredit Korporasi Sindikasi Kredit Korporasi Sindikasi yang dikelola oleh Divisi Kredit Korporasi Sindikasi memiliki tugas dalam mendukung Direksi menetapkan kebijakan-kebijakan perkreditan terutama di sektor korporasi dan sindikasi. Unit kerja ini merupakan pengembangan berdasarkan Surat Keputusan Direksi Nomor: 061 SKBPD-PSTIII2014 tanggal 21 Maret 2014 tentang Struktur Organisasi Bank Pembangunan Daerah Kalimantan Timur. Berdasarkan kondisi di akhir tahun 2015, terjadi penurunan pada beberapa sektor ekonomi seperti pertanian, perburuan dan kehutanan, lalu transportasi, pergudangan dan komunikasi serta sektor penyediaan akomodasi dan makan minum. Meskipun demikian, terjadi pula kenaikan khususnya di sektor bukan lapangan usaha lainnya dan sektor konsumtifrumah tangga masing- masing sebesar 49.75 dan 10.84. Tabel 12 Perkembangan Kredit Korporasi Per Sektor Ekonomi yoy Table 12 Development of Corporate Loans Per Sectors of Economy yoy The economic contraction in East Kalimantan gave direct effect for the performance of lending BPD Kaltim. Credit Directorate BPD Kaltim move on sectors of the productive and consumptive through three units that integrate with each other, namely Corporate Syndicated Credit Division, MSME Credit Consumer Division and Credit Control Rescue Division has been optimally conducted business in increasing intermediation function of BPD Kaltim. Nonetheless, economic conditions which cannot support is unavoidable to give poor record on lending BPD Kaltim in 2015. Corporate Syndicated Credit Corporate Syndicated Credit managed by the Division of Corporate Syndication Credit has a duty to support the Board of Directors establishes policies, especially in the corporate and syndicated sector. This unit is a development based on the Directors’ Decree No. 061 SK BPD - PST III 2014 dated March 21, 2014 on the Organizational Structure of Bank Pembangunan Daerah East Kalimantan. Based on conditions at the end of 2015, a decline in some economic sectors such as agriculture, hunting and forestry, then transportation, warehousing and communications sector as well as the provision of accommodation and eating and drinking. Nevertheless, there is also an increase, especially in the sector of other non business field and sectors of consumer household, respectively amounted to 49.75 and 10.84. No Sektor Ekonomi KenaikanPenurunan yoy Increase Decrease yoy Economic sector 1 Pertanian, Perburuan dan kehutanan -46.36 Agriculture, hunting and forestry 2 Perikanan -33.69 Fishery 3 Pertambangan dan Penggalian -2.63 Mining and excavation 4 Industri Pengolahan -27.72 Processing industry 5 Listrik, Gas dan Air -7.53 Electricity, Gas and Water 6 Konstruksi -0.02 Construction 7 Perdagangan Besar dan Eceran -11.9 Wholesale and Retail 8 Penyediaan Akomodasi dan Makan Minum -34.48 Provision of accommodation and Eat Drink 9 Transportasi, Pergudangan dan Komunikasi -26.64 Transport, Storage and Communication 10 Perantara Keuangan 566.74 Financial intermediaries 11 Real Estate, Usaha Persewaan dan Jasa Perusahaan Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial -24.73 Real Estate, Leasing and Business Services Administration, Defense and Social Security 12 Wajib - Compulsory 13 Jasa Pendidikan 291.26 Educational services 14 Jasa Kesehatan dan kegiatan Sosial, Jasa Kemasyarakatan, Sosial Budaya, Hiburan -8.23 Health services and social activities, services Community, Social Culture, Entertainment 15 Perorangan Lainnya -41.1 Other individuals 16 Jasa Peroangan yang Melayani Rumah Tangga 717.17 Individual Services Serving Households 17 Badan Internasional dan Badan Ekstra Internasional Lainnya - International Agency and the Agency for Other International Extra 18 Kegiatan yang Belum Jelas Batasannya - Unclear Limit activities 19 KonsumtifRumah Tangga 10.84 Consumer Household 20 Bukan Lapangan usaha Lainnya 49.75 Not Fields Other businesses Fields Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 96 Dampak melambatnya pertumbuhan ekonomi sangat dirasakan khususnya pada perekonomian daerah Kalimantan timur dan Kalimantan Utara untuk sektor-sektor yang paling berkontribusi diantaranya sektor pertanian, perburuan dan kehutanan seperti kelapa sawit serta sektor pertambangan produksi dan permintaan batubara dan migas. Kondisi eksternal yaitu pengaruh El Nino turut menjadi faktor penyebab menurunya kinerja pada sektor-sektor tersebut. Berdasarkan data Bank Indonesia Perwakilan Kalimantan Timur tahun 2015, secara regional sektor pertanian, perburuan dan kehutanan memang mengalami perlambatan dari semula 6.8 di tahun 2014 menjadi 5,1 pada tahun 2015. Hal ini berpengaruh cukup besar pada kondisi penyaluran kredit BPD Kaltim pada sektor ini yang menurun tajam sebesar -46.3 yoy. Lebih lanjut, penurunan produksi batu bara dan minyak dunia yang terus memburuk berimplikasi pada sektor derivatif lainnya antara lain pengangkutan, transportasi, perhotelan dan sebagainya yang secara langsung membebani kualitas debitur yang berkonsentrasi pada sektor tersebut. Hal ini memberikan efek lanjutan berupa perilisan kebijakan internal untuk tidak memberikan fasilitas baru maupun tambahan fasilitas kepada sektor pertambangan danatau perkebunan sawit beserta derivatifnya, serta melakukan pembatasan total ekspansi kredit baru maupun tambahan baik yang bersifat langsung danatau tidak langsung. Hal tersebut memberikan dampak menurunnya penyaluran kredit secara konsolidasi pada akhir tahun 2015. Sementara itu, selama tahun 2014 dan 2015, belum dilakukan penyaluran kredit sindikasi baru. Kredit sindikasi diberikan kepada 18 debitur dengan jumlah nominatifoutstanding kredit sindikasi yang berjalan pada akhir 2015 mencapai Rp 1,418,195 juta dengan tujuh belas debitur berkualitas lancar dan satu debitur dalam perhatian khusus. Lebih lanjut, dalam rangka menjalankan peran sebagai agen pembangunan, BPD Kaltim terlibat secara langsung dalam upaya pembangunan di KabupatenKota di seluruh Kalimantan Timur dan Kalimantan Utara serta bertindak sebagai penyedia permodalan bagi pelaksana pekerjaan yang bersumber dari APBD dan APBN. Pemberian fasilitas kredit tersebut tentunya bertujuan sebagai upaya percepatan pembangunan maupun penyediaan sarana dan prasarana yang menjadi kebutuhan masyarakat. The impact of the economic growth was felt particularly in the economic region of East Kalimantan and North Kalimantan to the sectors that contribute most of them, which are agriculture, hunting and forestry such as palm oil and mining production and demand of coal, oil and gas. External condition which is the influence of El Nino contributed to the causes of the decline in performance in these sectors. Based on data from Bank Indonesia Representative of East Kalimantan in 2015, regional agriculture, hunting and forestry is experiencing a slowdown from the previous 6.8 in 2014 to 5.1 in 2015. This considerable influence on BPD Kaltim lending conditions in this sector which fell sharply by -46.3 yoy. Furthermore, the decline in coal production and world oil continued to deteriorate implications on other derivative sectors include freight, transportation, hospitality and so on that directly burden the debtor quality concentrate on the sector. It provided advanced effects, such as the release of internal policy not to provide new facilities and additional amenities to the mining and or oil palm plantations and its derivatives, as well as restricting new and additional total credit expansion both directly and or indirectly. It gave the impact of the downturn in the consolidated loan portfolio at the end of 2015. Meanwhile, during 2014 and 2015, the new syndicated credit distribution had not been done yet. Syndicated credit granted to 18 debtors with the amount of the syndicated credit outstanding nominative running at the end of 2015 reached Rp 1,418,195 with seventeen debtor with expeditious quality and one debtor with special attention. Furthermore, in order to carry out the role as agents of development, BPD Kaltim directly involved in development efforts in regencies cities in the entire East Kalimantan and North Kalimantan as well as acting as a provider of capital for executing the work which is sourced from APBD and APBN the budget and the state budget. Provision of credit facilities are of course intended as an effort to accelerate the development and provision of facilities and infrastructure which has become the needs of society. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 97 Penyaluran kredit proyek yang bersumber dari APBN dan APBD adalah sebesar Rp 1,932,080 juta dengan outstanding sebesar Rp 668,328 juta. Besarnya tingkat outstanding antara lain disebabkan adanya pembiayaan-pembiayaan yang diberikan pada proyek yang bersifat multiyears lebih dari satu tahun anggaran. Meskipun nilai tersebut secara umum menurun sebesar -7.30 yoy dari tahun 2014 yang mencapai Rp 2.084.280 juta. Secara umum penyaluran kredit yang bersumber dari APBN dan APBD telah menyeluruh di berbagai daerah dengan persentase terbesar pada Kantor Cabang Tenggarong sebesar 38.70 di akhir tahun 2015. Kredit UMKM Konsumer Kinerja penyaluran kredit Usaha Mikro Kecil dan Menengah UMKM secara umum menunjukkan pertumbuhan selama masa perlambatan ekonomi global dan nasional. Berdasarkan Kajian Ekonomi Regional yang dirilis Bank Indonesia, penyaluran kredit UMKM Kalimantan Timur pada triwulan IV Tahun 2015 tumbuh sebesar 5.62 yoy menjadi sebesar Rp22,89 triliun, meningkat dibandingkan triwulan sebelumnya yang tumbuh sebesar 2.73 yoy dengan nominal Rp21,78 triliun. Meskipun demikian, sektor yang mengalami perlambatan secara umum tetap memberikan dampak bagi penyaluran kredit perbankan di sector UMKM selama tahun 2015. Sektor-sektor usaha yang mengalami perlambatan menjadi faktor penyebab performa penyaluran Credit distribution projects funded from APBN and APBD state and local budgets amounted to Rp 1,932,080 with outstanding amounted to Rp 668.328 million. The level of outstanding partly due to financing given to projects that are multi-year more than one fiscal year. Although these values are generally decreased by -7.30 yoy from 2014 which reached Rp 2.084.280. In general, credit distribution from APBN and APBD has been thorough in various regions with the largest percentage of the Branch Office Tenggarong of 38.70 at the end of 2015. MSMEs Credit Consumer The performance of Micro, Small and Medium Enterprises MSMEs distribution in general showed growth during the slowdown of global and national economy. Based on Regional Economic Analysis released by Bank Indonesia, East Kalimantan MSME credit distribution in the fourth quarter of 2015 grew by 5.62 yoy to Rp Rp22,89 trillion, an increase compared to the previous quarter, which grew by 2.73 yoy with nominal Rp21,78 trillion. Nonetheless, the sector experienced a slowdown in general still have an impact on bank lending in the MSME sector over 2015. Business sectors are experiencing a slowdown which caused the performance of MSME credit disttibution Cabang Tenggarong | Branch Tenggarong Kantor Pusat | Headquarters Cabang Samarinda | Branch Samarinda Cabang Tanjung Redeb | Branch Tanjung Redeb Cabang Tanjung Selor | Branch Tanjung Selor Cabang Jakarta | Branch Jakarta Cabang Bontang | Branch Bontang Cabang Tarakan | Branch Tarakan Cabang Balikpapan | Branch Balikpapan Cabang Malinau | Branch Malinau Cabang Tana Paser | Branch Tana Paser Cabang Sendawar | Branch Sendawar Cabang Penajam | Branch Penajam Cabang Syariah Samarinda | Sharia Branch Samarinda Cabang Nunukan | Branch Nunukan Cabang Tideng Pale | Branch Tideng Pale Cabang Sangatta | Branch Sangatta Cabang Syariah Balikpapan | Sharia Branch Balikpapan 23.49 12.26 2.59 1.95 1.88 1.77 1.45 0.93 0.85 0.51 0.36 0.66 0.57 1.86 3.26 3.61 3.29 38.70 Persentase Penyaluran Fasilitas Kredit Proyek Sumber Dana APBN APBD Percentage Distribution of Credit Facility Project Source APBN and APBD Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 98 kredit UMKM BPD Kaltim tidak berbanding lurus dengan pertumbuhan penyaluran kredit UMKM Kalimantan Timur. Secara umum, penyaluran kredit UMKM BPD Kaltim mengalami penurunan pada Desember 2015 sebesar Rp 540,229,- atau sebesar -19.4 yoy. Penurunan tajam terjadi pada sektor industri pengolahan sebesar -48.87, sektor real estate, usaha persewaan dan jasa perusahaan sebesar -46.08 dan sektor pertanian, perburuan dan kehutanan sebesar -43.36. Tekanan global dalam hal permintaan dan harga komoditas yang jatuh berimbas pada produktivitas sektor-sektor derivatif tersebut. Turunnya kinerja pertanian, perburuan dan kehutanan juga menunjukkan pengaruh besar musim kemarau di semester kedua 2015. Tabel 13 Penyaluran Kredit UMKM Konsolidasi Per Sektor Usaha Table 13 Consolidated Per MSME Lending Sector BPD Kaltim not directly proportional to the growth of MSME credit distribution of East Kalimantan. In general, MSMEs BPD Kaltim lending decreased in December 2015 amounted to Rp 540.229,- or by -19.4 yoy. The sharp decline occurred in the manufacturing sector amounted to -48.87 , the sector of real estate, leasing and corporate services amounted to -46.08 and agriculture, hunting and forestry amounted to -43.36. Global pressure in terms of demand and falling commodity prices impact on productivity sectors such derivative. The fall in the performance of agriculture, hunting and forestry also shows the great influence on the dry season in the second half of 2015. No Sektor Ekonomi Total UMKM total MSMEs Kenaikan Penurunan Increase Decrease yoy Yoy Economic sector Des 2014 Des 2015 1 Pertanian, Perburuan dan kehutanan 344,206 194,954 149,252 -43.36 Agriculture, hunting and forestry 2 Perikanan 12,702 8,223 4,479 -35.26 Fishery 3 Pertambangan dan Penggalian 7,468 7,313 155 -2.08 Mining and excavation 4 Industri Pengolahan 21,944 11,220 10,724 -48.87 Processing industry 5 Listrik, Gas dan Air 1,450 8,292 6,842 471.86 Electricity, Gas and Water 6 Konstruksi 1,402,893 1,199,068 203,825 -14.53 Construction 7 Perdagangan Besar dan Eceran 324,663 290,659 34,004 -10.47 Wholesale and Retail 8 Penyediaan Akomodasi dan Makan Minum 47,905 34,991 12,914 -26.96 Provision of accommodation and Eat Drink 9 Transportasi, Pergudangan dan Komunikasi 44,554 36,671 7,883 -17.69 Transport, Storage and Communication 10 Perantara Keuangan 3,686 3,049 637 -17.28 Financial intermediaries 11 Real Estate, Usaha Persewaan dan Jasa Perusahaan 195,966 105,662 90,304 -46.08 Real Estate, Leasing and Business Services 12 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib - - - - Administration, Defense and Compulsory Social Security 13 Jasa Pendidikan 486 4,267 3,781 777.98 Educational services 14 Jasa Kesehatan dan kegiatan Sosial 4,590 3,963 627 -13.66 Health services and social activities 15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya 369,549 333,419 36,130 -9.78 Services Community, Social Culture, Entertainment and Other Individuals 16 Jasa Peroangan yang Melayani Rumah Tangga 23 143 120 521.74 Individual Services Serving Households 17 Badan Internasional dan Badan Ekstra Internasional Lainnya - - - - International Agency and the Agency for Other International Extra 18 Kegiatan yang Belum Jelas Batasannya 37 - - - Unclear Limit activities TOTAL 2,782,122 2,241,894 540,191 TOTAL Berdasarkan sektor penyalurannya, kredit UMKM BPD Kaltim konvensional didominasi oleh 5 sektor usaha yaitu konstruksi, perdagangan besar eceran, pertanian dalam arti luas, jasa perorangan yang melayani rumah tangga dan real estate. Penyaluran kredit UMKM BPD Kaltim konvensional secara umum menurun dan peningkatan terjadi hanya di tiga sektor yaitu listrik, gas dan air, jasa pendidikan serta jasa perorangan yang melayani rumah tangga. Based on the distribution sector, MSME loans BPD Kaltim conventional dominated by five sectors namely construction, big retail trade, agriculture in the broad sense, personal services which serve households and real estate. SME credit distribution BPD Kaltim conventionally in general decline and the increase occurred only in three sectors, namely electricity, gas and water, education services and personal services serving households. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 99 Share penyaluran kredit UMKM terbesar BPD Kaltim adalah pada Kantor Cabang Tenggarong yaitu sebesar 27.06 dan Kantor Cabang Utama Samarinda sebesar 23.51 dari total kredit UMKM selama tahun 2015. Sebagai salah satu upaya mendorong intermediasi melalui pemberdayaan sektor Usaha Mikro, Kecil dan Menengah UMKM, BPD Kaltim juga menjalankan linkage program. Selama tahun 2015, penyaluran linkage program BPD Kaltim mencapai Rp 128,844,- juta dan terkonsentrasi pada tiga wilayah cabang yaitu Tenggarong Kutai Kartanegara, Tanjung Redeb Berau dan Syariah Samarinda. Adapun linkage program yang diberikan oleh BPD Kaltim antara lain: a. Kredit Ternak Sejahtera b. Kredit Perikanan Sejahtera c. Kredit Sawit Sejahtera d. Kredit Pangan Sejahtera e. Kredit SUP-005 f. DAKAB g. Fasilitas Likuiditas Pembiayaan Perumahan FLPP h. BAPERTARUM i. Kredit Usaha Rakyat KUR Selain menyalurkan kredit dan melaksanakan linkage program, BPD Kaltim juga memberikan perhatian besar pada pemberdayaan UMKM salah satunya melalui pengembangan community engagement. Program ini merupakan telah eksis bagi komunitas Wisata Belanja Kaltim yang terdiri dari para pedagang MSME credit distribution share BPD Kaltim is at a Branch Office Tenggarong in the amount of 27.06 and Branch Office Samarinda by 23:51 of total SME loans during 2015. As an effort to encourage intermediation through the empowerment of Micro, Small and Medium Enterprises MSMEs, BPD Kaltim also running the linkage program. During 2015, the distribution of BPD Kaltim linkage program reaches Rp 128.844,- and are concentrated in three regions, namely branches of Tenggarong Kutai Kartanegara, Tanjung Redeb Berau and Syariah Samarinda. The linkage programs provided by BPD Kaltim among below: a. Kredit Ternak Sejahtera b. Kredit Perikanan Sejahtera c. Kredit Sawit Sejahtera d. Kredit Pangan Sejahtera e. Kredit SUP-005 f. DAKAB g. Fasilitas Likuiditas Pembiayaan Perumahan or Housing Finance Liquidity Facility FLPP h. BAPERTARUM i. Kredit Usaha Rakyat or People’s Business Credit KUR In addition to lending and implement linkage program, BPD Kaltim also pays great attention to the empowerment of MSMEs, one of them through the development of community engagement. The program is a community has existed for Shopping Tourism Kaltim Cabang Utama Samarinda | Cabang Utama Samarinda Cabang Tana Paser | Cabang Tana Paser Cabang Balikpapan | Branch Balikpapan Cabang Tenggarong | Branch Tenggarong Cabang Tarakan | Branch Tarakan Cabang Tanjung Redeb | Branch Tanjung Redeb Cabang Tanjung Selor | Branch Tanjung Selor Cabang Bontang | Branch Bontang Cabang Nunukan | Branch Nunukan Cabang Sangatta | Branch Sangatta Cabang Sendawar | Branch Sendawar Cabang Malinau | Branch Malinau Cabang Penajam | Branch Penajam Cabang Tana Tidung | Branch Tana Tidung Cabang Jakarta | Branch Jakarta Cabang Syariah Samarinda | Sharia Branch Samarinda Cabang Syariah Balikpapan | Sharia Branch Balikpapan 27.06 2.48 1.83 4.00 1.47 3.53 0.96 0.02 3.16 23.51 0.32 3.09 2.10 3.81 1.50 5.09 16.08 Share Penyaluran Kredit UMKM BPD Kaltim Per Kantor Cabang Share Lending MSMEs BPD Kaltim Per Branch Office Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 100 kawasan Wisata Belanja Kaltim di area Stadion Madya Sempaja Samarinda.Pada tahun 2015, community engagement ini telah berkembang dengan pendirian sebuah Koperasi Wisata Belanja Kaltim untuk dapat meningkatkan usaha para anggotanya melalui pembiayaan koperasi tersebut yang dibina langsung oleh BPD Kaltim. Produk-produk kredit UMKM dan Konsumer yang dimiliki BPD Kaltim selama tahun 2015 adalah sebagai berikut: a. Produk Kredit MKM yang dimiliki BPD Kaltim, yaitu: 1. Kredit Program yang sumber dananya dari BPD Kaltim, antara lain: - Kredit Ternak Sejahtera - Kredit Perikanan Sejahtera - Kredit Sawit Sejahtera - Kredit Pangan Sejahtera - Kredit Usaha Rakyat - Kredit Mikro Bankaltim 2. Produk Kredit yang sumber dananya dari Pemerintah pusatDaerahlembagayayasan, antara lain: - SUP-005 - DAKAB - Bapertarum-PNS - FLPP b. Produk Kredit Konsumer yang dimiliki BPD Kaltim, yaitu: 1. Kredit Personal Loan 2. Kredit Rumah Sejahtera Bankaltim 3. Kredit Multiguna 4. Kredit Kendaraan Bermotor 5. Kredit Beragunan Deposito Dalam rangka mengembangkan produk dan layanan kredit UMKM dan Konsumer, BPD Kaltim melakukan strategi-strategi sebagai berikut: 1. Melakukan pengkinian Buku Pedoman Perusahaan BPP dan Standard Operating Procedure SOP Kredit Mikro Kecil; 2. Melakukan packaging Produk Kredit Konsumer Mikro Kecil; 3. Membuat aplikasi sistem manajemen kredit dengan berbasis IT berupa scoring system yang bertujuan memudahkan dalam memproses kredit, lebih cepat dan tepat serta berasaskan prinsip kehati-hatian; 4. Senantiasa melakukan sosialisasi dan pembinaan secara berkesinambungan dan intensif kepada seluruh Kantor Cabang dan Kantor Cabang pembantu BPD Kaltim agar lebih optimal di dalam penyaluran kredit terutama pada sektor UMKM. comprising traders Shopping area in East Kalimantan in area Madya Stadium Sempaja Samarinda. On 2015, community engagement has grown with the establishment of a Cooperative Shopping Kaltim to improve the business of its members through financing the cooperatives were built directly by BPD Kaltim. Credit products and consumer-owned MSMEs BPD Kaltim during 2015 are as follows: a. MSM credit products owned BPD Kaltim, namely: 1. Credit Program which the funds of BPD Kaltim, among others: - Kredit Ternak Sejahtera - Kredit Perikanan Sejahtera - Kredit Sawit Sejahtera - Kredit Pangan Sejahtera - People’s Business Credit KUR - Kredit Mikro Bankaltim 2. Loan products in which the funds from the central governmentregionsinstitutions foundations, among below: - SUP-005 - DAKAB - Bapertarum-PNS - FLPP b. Consumer Loan Products owned BPD Kaltim, namely: 1. Credit Personal Loan 2. Mortgage Prosperous Bankaltim 3. Multipurpose Loan 4. Vehicle Loans 5. Secured Loans Deposits In order to develop products and services MSMEs and consumer loans, BPD Kaltim perform the following strategies: 1. Manual update of the Company BPP and Standard Operating Procedure SOP Small Micro Credit; 2. Product packaging Consumer Credit and Small Micro; 3. Create an application with the credit management system in the form of IT-based scoring system that aims to facilitate the loan processing, faster and precise and based on precautionary principle; 4. Always socializing and fostering an ongoing and intensive Operates shown to the entire Branch and Branch Office helper that BPD Kaltim become more optimal in lending mainly on MSME Sector. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 101 Pengendalian dan Penyelamatan Kredit Untuk memenuhi kebutuhan mitigasi risiko kredit, BPD Kaltim membentuk Divisi Pengendalian dan Penyelamatan Kredit pada tahun 2014 berdasarkan Surat Keputusan Direksi Nomor 061SKBPD-PST III2014 tanggal 21 Maret 2014 tentang Struktur Organisasi BPD Kaltim yang pada tahun 2015 telah diubah dengan Surat Keputusan Direksi Nomo 173SKBPD-PSTVIII2015 tanggal 6 Agustus 2015 tentang Buku Pedoman Perusahaan BPP Bidang Organisasi BPD Kaltim. Unit kerja ini bertanggungjawab dalam merumuskan strategi dan kebijakan pengendalian, penyelamatan dan penyelesaian kredit, serta credit legal review dengan merencanakan, mengelola, mengkoordinasikan dan melakukan pengawasan terhadap kinerja kredit seperti mengusulkan kebijakan-kebijakan dalam rangka pengendalian dan penyelamatan kredit, serta monitoring terhadap Cadangan Kerugian Penurunan Nilai CKPN debitur. Kondisi ekonomi yang melambat memberikan dampak yang cukup besar bagi kualitas kredit BPD Kaltim selama tahun 2015. Untuk itu, BPD Kaltim melalui Divisi Pengendalian dan Penyelamatan Kredit melakukan kegiatan-kegiatan untuk menjaga kualitas kredit dan mengatasi kredit bermasalah antara lain dengan melakukan ekstrakomtable, restrukturisasi kredit dan AYDA Agunan Yang Diambil Alih. Suku Bunga Dasar Kredit SBDK Suku Bunga Dasar Kredit SBDK Rupiah adalah suku bunga dasar yang digunakan oleh Bank sebagai acuan dalam penentuan suku bunga kredit Rupiah kepada debitur. SBDK belum memperhitungkan komponen estimasi premi risiko yang besarnya tergantung dari penilaian Bank terhadap risiko untuk masing-masing debitur atau kelompok debitur yang besarnya bergantung pada penilaian Bank atas Proil Risiko debitur dengan mempertimbangkan kondisi keuangan debitur, prospek pelunasan kredit, prospek sektor industri debitur dan jangka waktu kredit. Dengan demikian, besarnya suku bunga kredit yang dikenakan kepada debitur belum tentu sama dengan SBDK. Dalam kredit konsumsi non KPR tidak termasuk penyaluran dana melalui kartu kredit dan kredit tanpa agunan KTA. Kredit konsumsi non KPR disalurkan oleh Bank melalui skema Joint Financing dengan perusahaan Multiinance. Selama tahun 2015, nilai SBDK cenderung luktuatif jika dibandingkan Control and Rescue Credit For a review meet the need for mitigating credit risk, BPD Kaltim established Control and Rescue Credit Division in 2014 by Directors Decree No. 061SKBPD-PSTIII2014 on March 21, 2014 about Organizational Structure BPD Kaltim on 2015 has changed into Directors Decree 173 SKBPD-PSTVIII2015 on August 6, 2015 about Buku Pedoman Perusahaan or Company Manual BPP of BPD Kaltim Organization. The work unit has responsiblity in formulating development strategies and policy control, rescue and settlement of credit, as well as legal credit review by plan, manage, coordinate and supervise against credit performance as proposing policies in frame on Control and Rescue Credit, monitoring to Cadangan Kerugian Penurunan Nilai or Reserves Impairment Losses CKPN debtor. The slowing economic conditions give enough big impact to the credit quality of BPD Kaltim during the year 2015. Therefore, BPD Kaltim through the Division of Control and Rescue Credit perform activities to review the credit quality in keeping and addressing the problem loans by doing extracomtable, debt restructuring and AYDA Agunan Yang Diambil Alih or foreclosed properties. Suku Bunga Dasar Kredit or Lending Rate SBDK Suku Bunga Dasar Kredit or Lending Rate SBDK is the base interest rate basis which was used by the Bank as a benchmark in determination of lending rates to borrowers indicated amount. SBDK had not taken into the component estimated premise risk in which the amount depends from Bank rating against risks to review each debtor or group of debtors considering on Bank Rating for Risk Debtor Profile considering on the financial condition of the debtor, loan repayment prospect, industrial sector debtors prospect and term time credits. Therefore, the interest rate loans to borrowers is not necessarily the same with SBDK. In Non-mortgage consumer credit does not include the distribution of funds through credit cards and Kredit Tanpa Agunanloans without collateral KTA . Non-mortgage consumer credit distributed by the Bank through a Joint Financing scheme with Multi Finance company. During 2015, the value of the prime lending rate SDBK tends to fluctuate when compared Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 102 kondisi tahun 2014. Meskipun demikian, SBDK yang ditawarkan masih kompetitif dengan bank-bank nasional lainnya yang beroperasi di Kalimantan Timur dan Kalimantan Utara. Treasury Internasional Kegiatan treasury dan internasional BPD Kaltim dikelola oleh unit kerja Divisi Treasury Internasional yang juga bertanggungjawab pada penghimpunan dan pemanfaatan dana serta memastikan batas- batas GWM, PDN dan lain-lain sesuai ketentuan yang berlaku. Dalam rangka pengelolaan dana, Divisi Treasury Internasional melakukan beberapa kegiatan yang meliputi penempatan dana pada Bank Indonesia BI dan Bank Counterpart serta peminjaman dana antar bank. Penempatan Dana Graik penempatan dana pada Bank Indonesia Tahun 2015 Fund Placement Graphic on Bank Indonesia in the year of 2015 to conditions in 2014. Nevertheless, the prime lending rate offered was competitive with other national banks operating in East Kalimantan and North Kalimantan. Treasury International Treasury and international activities are managed by BPD Kaltim Treasury International Division work unit which is also responsible for the mobilization and utilization of funds and ensure the boundaries GWM , PDN , etc according to applicable regulations. In order to manage the fund, Treasury International Division conducted several activities which include the placement of funds in Bank Indonesia BI and Counterpart Bank and the borrowing of funds between banks. Fund Placement Periode Perkembangan Suku Bunga Dasar Kredit Rupiah SBDK Developments Rupiah Prime Lending Rate SDBK Period Kredit Korporasi Corporate Loans Kredit Retail Retail Credit Kredit Mikro Micro Credit Kredit Konsumsi Consumer Credit KPR Mortgage Non KPR non-mortgage January Januari 14.49 15.49 15.49 14.99 14.49 January Februari 12.54 12.54 13.54 13.04 12.54 February Maret 12.63 13.63 13.63 13.13 12.63 March April 9.94 10.94 10.94 10.44 9.94 April Mei 11.19 12.19 12.19 11.69 11.19 May Juni 12.14 13.14 13.14 12.64 12.14 June Juli 12.82 13.82 13.82 13.32 12.82 July Agustus 13.98 14.98 14.98 14.48 13.98 August September 12.76 13.76 13.76 13.26 12.76 September Oktober 11.10 12.10 12.10 11.60 11.10 October November 11.26 12.26 12.26 11.76 11.26 November Desember 10.03 11.03 11.03 10.53 10.03 December Tabel 14 Perkembangan Suku Bunga Dasar Kredit selama Tahun 2015 Table 14 Development Lending Rate for 2015 Penempatan Pada BI Placement on BI JAN FEB MA R APR MEI JUN JUL A GUST SEP OK T NOP DES 14,000,000 12,000,000 10,000,000 8,000,000 6,000,000 4,000,000 2,000,000 - NOMINAL NOMINAL PERIODE PERIOD DF | DF RR SUN | RR SUN SBI | SBI Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 103 Sebagaimana digambarkan pada graik, volume transaksi Deposit Facility DF meningkat secara signiikan pada bulan April 2015, yang dikarenakan pada bulan ini Bank menerima Dana DBH Kurang Bayar dengan nominal total sebesar Rp 4 trilyun. Sementara itu, penempatan pada RR SUN dilakukan melalui mekanisme lelang pada pasar moneter sebagai upaya pemenuhan GWM sekunder sebagaimana yang ditetapkan Bank Indonesia yaitu 4 dari rata-rata DPK dan sebagai pemenuhan rasio Alat Likuid. Demikian pula dengan pembelian SBI dan SDBI meskipun pembelian SBI dan SDBI jarang dilakukan mengingat jangka waktu kepemilikan yang lebih panjang dibandingkan placement. Berdasarkan graik, tampak bahwa volume transaksi tertinggi adalah pada instrumen Interbank Call Money IBCM. Hal ini disebabkan IBCM tergolong instrumen penempatan jangka pendek, sehingga Bank dapat menjaga kondisi likuiditas harian disamping melakukan optimalisasi pendapatan. Pinjaman Dana Antar Bank Graik penempatan dana dalam bentuk penempatan antar bank Graph placement of funds in the form of inter-bank placements Graik pinjaman dana antar bank selama tahun 2015 Graph of loan funds interbank in the year of 2015 As illustrated in the graph, the volume of Deposit Facility DF transactions increased significantly in April 2015, in which this month the Bank received DBH underpayment fund with a total nominal value of Rp 4 trillion. Meanwhile, the placement of the RR SUN conducted through an auction mechanism on monetary market as an effort to fulfill the secondary reserves as stipulated by Bank Indonesia at 4 of the average DPK and the fulfillment ratio of Liquid Tool. Similarly, the purchase of SBI and SBI SDBI although SBI and SDBI purchase rarely done given holding period that is longer than placement. Based on the graph, it appears that the highest transaction volume is on Interbank Call Money IBCM instrument. This is due to IBCM instruments classified as short-term investments, so that the Bank can maintain daily liquidity conditions in addition to optimizing revenue. Inter-Bank Loan Funds Pinjaman Dana Antar Bank Selama Tahun 2015 Inter-bank loans in 2015 JAN FEB MA R APR MEI JUN JUL A GUST SEP OK T NOP DES 7,000,000 6,000,000 5,000,000 4,000,000 3,000,000 2,000,000 1,000,000 - IBCM | IBCM REPO | REPO Penempatan Antar Bank Inter-bank placement JAN FEB MA R APR MEI JUN JUL A GUST SEP OK T NOP DES 20,000,000 15,000,000 10,000,000 5,000,000 - IBCM | IBCM DOC | DOC DEPOSITO | DEPOSITS RR SUN | RR SUN NCD | NCD NOMINAL NOMINAL NOMINAL NOMINAL PERIODE PERIOD PERIODE PERIOD Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 104 Pinjaman dana antar bank dilakukan BPD Kaltim dalam instrument Interbank Call Money IBCM dan melalui transaksi Repo. Pinjaman dana dilakukan selain untuk kebutuhan likuiditas juga dalam rangka tradingmoney market guna memperoleh keuntungan melalui selisih bunga. Sedangkan transaksi Repo dilakukan sebagai upaya restruktur aset menjelang akhir tahun 2015. Peminjaman dana antar bank meningkat secara signiikan pada bulan Desember karena terjadi short liquidity akibat meningkatnya pengeluaran dana Pemda yang digunakan untuk pembayaran SP2D proyek pembangunan Pemerintah. Peminjaman dana pada BI melalui transaksi Lending Facility dilakukan oleh Bank mengingat menjelang akhir tahun 2015, suku bunga pada Pasar Uang Antar Bank PUAB jauh lebih tinggi dibandingkan dengan suku bunga Lending Facility pada BI. Dengan demikian, untuk memenuhi kebutuhan likuiditas menjelang akhir tahun 2015 dilakukan peminjaman dana melalui transaksi Lending Facility dan bidding Repo pada BI. Meskipun demikian, atas kegiatan pengelolaan tersebut, berdasarkan perhitungan pendapatan dan biaya bunga atas dana yang dikelola Divisi Treasury Internasional, tercatat keuntungan dari aktiva produktif Rupiah yang diperoleh BPD Kaltim pada akhir tahun 2015 adalah sebesar Rp 141 milyar. Perkembangan Suku Bunga BI-Rate Graik pinjaman dana antarbank selama tahun 2015 Graphic of Interbank Loan in the year of 2015 Interbank loans done by BPD Kaltim in the instrument Interbank Call Money IBCM and through the Repo transaction. Loan funds performed in addition to the liquidity needs also to trading money market to gain an advantage through interest margin. While Repo transactions performed as a restructuring of assets by the end of 2015. Loan interbank funds increased significantly in December due to the short liquidity due to increased of spending on local government funds used for payment SP2D Government development projects. Loan funds in BI through Lending Facility transactions conducted by the Bank remembered towards the end of 2015, interest rates on the interbank money market interbankPUAB is much higher than the interest rate on Lending Facility in BI. Thus, to meet the liquidity needs by the end of 2015 to do the borrowing of funds through Lending Facility and Bidding Repo on BI. Nevertheless, the activities of the management, based on the calculation of income and interest expense on the funds managed by Treasury International Division, noted the benefits of productive assets Rupiah obtained by BPD Kaltim at the end of 2015 amounted to Rp 141 billion. Interest Rate BI-Rate Pinjaman Dana Antar Bank Selama Tahun 2015 Inter-bank loans in 2015 JAN FEB MA R APR MEI JUN JUL A GUST SEP OK T NOP DES 800,000 600,000 400,000 200,000 - LF | LF REPO | REPO Tabel 15 Perkembangan Suku Bunga Selama Tahun 2015 Table 15 Interest Rate During the Year 2015 Tanggal | Date BI Rate | BI Rate 15 Jan 15 7,75 17 Feb 15 7.50 17 Mar 15 7.50 14 Apr 15 7.50 19 Mei 15 7.50 18 Jun 15 7.50 14 Jul 15 7.50 Tanggal | Date BI Rate | BI Rate 18 August 15 7.50 17 Sep 15 7.50 15 Okt 15 7.50 17 Nop 7.50 18 Nop 15 7.50 17 Des 15 7.50 NOMINAL NOMINAL PERIODE PERIOD Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 105 Hasil Rapat Dewan Gubernur yang dilakukan oleh Bank Indonesia pada tanggal 17 Februari 2015 memutuskan untuk menurunkan BI Rate sebesar 25 bps dari 7.75 menjadi 7.50 dengan suku bunga Deposit Facility turun 25 bps dari 5.75 menjadi 5.50 dan Lending Facility tetap pada level 8.00. Kebijakan tersebut diambil dengan keyakinan Bank Indonesia bahwa inlasi akan tetap terkendali dan rendah sehingga berada di kisaran bawah sasaran 4.1 pada 2015 dan 2016. Kebijakan ini masih sejalan dengan upaya Bank Indonesia untuk mengendalikan deisit transaksi berjalan pada tingkat yang lebih sehat. Terjaganya stabilitas makroekonomi tersebut tidak terlepas dari hasil koordinasi erat antara Bank Indonesia dan Pemerintah baik pusat maupun daerah. Perkembangan Suku Bunga Perbankan selama tahun 2015 • Perkembangan suku bunga tabungan rupiah menurut kelompok Bank persen per tahun • Perkembangan suku bunga simpanan berjangka rupiah menurut kelompok Bank Persen per tahun The results of the Board of Governors conducted by Bank Indonesia on February 17, 2015 decided to lower the BI Rate by 25 bps from 7.75 to 7.50 with Deposit Facility interest rate, down to 25 bps from 5.75 to 5.50 and Lending Facility remains at the level of 8.00. The policy was taken by Bank Indonesia which believed that inflation will remain subdued and so low that it is below the target range of 4.1 in 2015 and 2016. This policy is in line with Bank Indonesia’s efforts to control transaction deficit run at a healthier level. Maintaining macroeconomic stability is inseparable from the result of close coordination between Bank Indonesia and the government both central and local levels. The Development of Banking Interest Rate for 2015 • The development of interest rates on savings rupiah by Bank group percent each year • Development of rupiah time deposit rates by Bank group percent each year No Kelompok Bank 2015 Bank group Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Bank Persero 1.39 1.39 1.39 1.38 1.39 1.40 1.38 1.38 1.39 1.38 1.40 1.42 Limited Bank 2 Bank Pemerintah Daerah 2.19 2.17 2.18 2.12 2.12 2.13 2.07 2.13 2.15 2.13 2.13 2.06 Regional Government Bank 3 Bank Swasta Nasional 2.07 2.15 2.12 2.11 2.09 2.07 2.09 2.07 2.05 2.00 2.02 2.07 National Private Bank 4 Bank Asing dan Bank Campuran 0.87 1.08 0.82 0.88 0.85 0.88 0.90 0.90 1.09 0.88 0.90 0.91 Foreign Banks and Mixed Bank 5 Bank Umum 1.72 1.76 1.74 1.94 1.73 1.72 1.72 1.72 1.72 1.69 1.70 1.73 Commercial banks No Kelompok Bank dan Jangka Waktu 2015 Bank Group and Period Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 1 Bank Persero Limited Bank 1 Bulan 8.07 8.03 7.88 7.15 7.12 7.25 7.27 7.13 7.05 6.91 6.88 7.14 1 month 3 Bulan 8.82 8.77 8.60 8.28 8.09 7.85 7.87 7.80 7.61 7.39 7.19 7.25 3 months 6 Bulan 8.67 8.69 8.54 8.46 8.28 8.18 8.02 7.90 7.72 7.68 7.63 7.56 6 months 12 Bulan 8.81 8.82 8.82 8.77 8.69 8.54 8.40 8.27 8.21 8.15 8.01 7.87 12 months 24 Bulan 9.30 9.33 9.30 9.26 9.24 9.17 9.12 9.08 9.09 9.14 9.12 9.09 24 months 2 Bank Pemerintah Daerah Regional Government Bank 1 Bulan 8.04 8.12 8.18 8.12 8.01 7.95 7.84 7.96 7.92 7.79 7.74 7.81 1 month 3 Bulan 8.99 8.55 8.73 8.57 8.56 8.52 8.38 8.07 7.92 8.15 7.96 8.26 3 months 6 Bulan 9.33 9.17 9.19 9.00 8.74 8.68 8.56 8.45 8.51 8.23 8.31 8.42 6 months 12 Bulan 9.09 9.19 9.29 9.28 9.27 9.25 9.18 9.03 8.97 8.99 9.02 9.21 12 months 24 Bulan 7.79 8.01 8.25 8.45 8.37 8.33 8.28 7.93 7.89 7.92 7.85 7.68 24 months 3 Bank Swasta Nasional National Private Bank 1 Bulan 8.89 8.68 8.72 8.56 8.34 8.17 8.18 8.04 8.02 7.80 7.92 7.89 1 month 3 Bulan 9.00 9.15 8.97 8.76 8.71 8.47 8.25 8.21 8.12 8.32 8.21 8.35 3 months 6 Bulan 9.46 9.47 9.35 9.23 9.16 8.92 8.97 8.94 8.87 8.81 8.79 8.84 6 months 12 Bulan 8.54 8.71 8.77 8.76 8.82 8.69 8.66 8.44 8.37 8.34 8.25 8.36 12 months 24 Bulan 7.61 7.69 7.67 7.62 7.80 7.27 7.43 7.40 7.47 7.56 7.47 9.09 24 months 4 Bank Asing dan Bank Campuran Foreign Banks and Mixed Bank 1 Bulan 7.37 7.61 7.25 7.02 6.93 6.78 6.86 6.80 7.09 7.27 7.19 7.36 1 month 3 Bulan 8.50 8.46 8.47 8.38 8.31 8.11 8.11 7.92 7.96 8.18 8.21 8.11 3 months 6 Bulan 9.21 9.12 9.12 9.00 9.00 8.99 8.96 8.89 8.85 8.82 8.74 8.71 6 months 12 Bulan 9.51 9.50 9.43 9.23 9.15 9.14 9.12 9.05 9.00 8.98 8.88 8.86 12 months 24 Bulan 9.99 9.93 9.88 10.06 9.79 9.54 9.32 8.77 8.70 8.87 8.64 9.62 24 months 5 Bank Umum Commercial banks 1 Bulan 8.46 8.36 8.31 7.96 7.85 7.76 7.77 7.65 7.62 7.48 7.50 7.60 1 month 3 Bulan 8.91 8.94 8.81 8.59 8.50 8.27 8.13 8.06 7.95 7.99 7.90 7.99 3 months 6 Bulan 9.22 9.21 9.11 8.99 8.90 8.73 8.71 8.64 8.58 8.51 8.50 8.54 6 months 12 Bulan 8.77 8.87 8.92 8.89 8.90 8.80 8.75 8.58 8.53 8.51 8.44 8.47 12 months 24 Bulan 9.23 9.27 9.23 9.21 9.19 9.10 9.03 8.96 8.95 8.99 8.89 9.07 24 months Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 106 Perkembangan Suku Bunga BPD Kaltim Selama Tahun 2015 The Development of BPD Kaltim Interest Rate in 2015 Nominal Counter Rate Nominal 1-Sep-12 Sd Rp. 1 Juta 0.00 Up to IDR 1 million Rp 1 Juta sd Rp 100 Juta 0.25 IDR 1 million up to IDR 100 Million Rp 100 Juta sd Rp 10 Milyar 0.75 IDR 100 million up to IDR 10 Billion Rp 10 Milyar sd Rp 30 Milyar 1.75 IDR 10 billion up to IDR 30 Billion Rp 30 Milyar 2.00 IDR 30 Billion Nominal Counter Rate Counter Rate 18-Jun-12 1-Dec-15 Sd USD 1000 0.00 0.00 USD 1000 0.40 0.15 JASA GIRO RUPIAH Rupiah GiroCurrent Account Services JASA GIRO VALAS Foreign Currency GiroCurrent Accounts Services Nominal Counter Rate Counter Rate Nominal 21-Jan-14 1-Feb-15 1 bln 1 month 3 bln 3 months 6 bln 6 months 12 bln 12 months 24 bln 24 months 1 bln 1 month 3 bln 3 months 6 bln 6 months 12 bln 12 months 24 bln 24 months Rp. 1 Juta sd Rp. 100 Juta 7.50 7.50 6.25 4.75 4.50 7.50 7.50 6.25 4.75 4.50 IDR 1 million up to IDR 100 Million Rp. 100 Juta sd Rp. 1 Milyar 7.50 7.50 6.25 4.75 4.50 7.50 7.50 6.25 4.75 4.50 IDR 100 million up to IDR 1 billion Rp. 1 Milyar sd Rp. 10 Milyar 7.50 7.50 6.25 4.75 4.50 7.50 7.50 6.25 4.75 4.50 IDR 1 Billion up to IDR 10 billion Rp. 10 Milyar sd Rp. 100 Milyar 7.50 7.50 6.25 4.75 4.50 7.50 7.50 6.25 4.75 4.50 IDR 10 Billion up to IDR 100 billion = Rp. 100 Milyar 7.50 7.50 6.25 4.75 4.50 7.50 7.50 6.25 4.75 4.50 = IDR 100 billion Nominal Counter Rate Counter Rate Nominal 25-Mar-15 8-Jun-15 1 bln 1 month 3 bln 3 months 6 bln 6 months 12 bln 12 months 24 bln 24 months 1 bln 1 month 3 bln 3 months 6 bln 6 months 12 bln 12 months 24 bln 24 months Rp 1 Juta sd Rp 100 Juta 7.25 7.25 6.00 4.50 4.25 6.25 6.25 6.75 7.00 4.25 IDR 1 million up to IDR 100 Million Rp 100 Juta sd Rp 1 Milyar 7.25 7.25 6.00 4.50 4.25 6.25 6.50 6.75 7.00 4.25 IDR 100 million up to IDR 1 billion Rp 1 Milyar sd Rp 10 Milyar 7.25 7.25 6.00 4.50 4.25 6.50 6.75 7.00 7.25 4.25 IDR 1 Billion up to IDR 10 billion Rp 10 Milyar sd Rp100 Milyar 7.25 7.25 6.00 4.50 4.25 6.75 7.00 7.25 7.25 4.25 IDR 10 Billion up to IDR 100 billion = Rp 100 Milyar 7.25 7.25 6.00 4.50 4.25 7.00 7.25 7.50 7.50 4.25 = IDR 100 billion BUNGA DEPOSITO RUPIAH Rupiah Deposit Rate BUNGA DEPOSITO RUPIAH Rupiah Deposit Rate Nominal Counter Rate Counter Rate Nominal 27-Mar-12 29-Sep-15 USD 1 Juta 0.75 0.50 USD 1 Million = USD 1 Juta 1.00 0.75 =USD 1 Million BUNGA DEPOSITO VALAS Foreign Currency Deposit Rates Jk.Waktu : 1, 3, 6, 12 bulan Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 107 Pengelolaan Batas-batas GWM, PDN dan lain-lain Dalam rangka melaksanakan fungsi pengelolaan batas-batas GWM, PDN dan lain-lain sesuai ketentuan yang berlaku, BPD Kaltim melakukan kontrol dan evaluasi secara berkala. a. GWM Primer dan LDR LFR Giro Wajib Minimum GWM Primer Rupiah yang wajib dijaga Bank sesuai PBI No.1515PBI2013 tentang Giro Wajib Minimum Bank Umum pada Bank Indonesia dalam Rupiah dan Valas yaitu sebesar 8 dari rata-rata harian Dana Pihak Ketiga dalam Rupiah. Kemudian diubah sesuai PBI No.1711PBI2015 yang ditetapkan tanggal 25 Juni 2015 dan berlaku sejak tanggal 3 Agustus 2015 yang berisi perubahan ketentuan tentang GWM LFR sebagai pengganti GWM LDR dimana surat berharga yang diterbitkan oleh Bank menjadi salah satu komponen dalam pemenuhan GWM LFR namun ketentuan GWM Primer sebesar 8 dari rata-rata harian Dana Pihak Ketiga dalam Rupiah tidak mengalami perubahan. Management Boundaries GWM, PDN, etc. In order to carry out the functions of managing the boundaries GWM, PDN, etc. according to applicable regulations, BPD Kaltim does control and regular evaluation. a. GWM Primary and LDR LFR Giro Wajib MinimumStatutory Reserves GWM Primary Rupiah Bank must be maintained in accordance with PBI No.15 15 PBI 2013 concerning Statutory Reserves of Commercial Banks with Bank Indonesia in Rupiah and Foreign Currency that is equal to 8 of the daily average Third Party Funds in Rupiah. Then modified according PBI No.17 11 PBI 2015 issued on June 25, 2015 and is valid from the date of August 3, 2015 containing the amended terms of GWM LDR in which valuable documents issued by the Bank became one of the components in compliance with GWM Primary of 8 of the daily average Third Party Funds in the amount unchanged. Nominal Counter Rate Counter Rate Counter Rate 21-Jan-14 25-Mar-15 1-Jul-15 = Rp 2.500.000 0.00 0.00 0.00 Rp 2.500.000 4.50 4.25 3.25 Suku bunga Tabungan Prama sama dengan suku bunga Deposito terendah BUNGA TABUNGAN SIMPEDA RUPIAH Simpeda Rupiah Saving Interest Rate BUNGA TABUNGAN PRAMA RUPIAH Prama Rupiah Saving Interest Rate SUKU BUNGA SEERTIFIKAT DEPOSITO RUPIAH Nominal Counter Rate Nominal 27-Mar-12 Rp 50.000 0.00 IDR 50,000 Rp 50.000 sd Rp 15 Juta 2.50 IDR 50.000 s d IDR 15 Million Rp 15 Juta sd Rp 50 Juta 2.75 IDR 15 million s d IDR 50 Million = Rp 50 Juta 3.00 =IDR 50 Million Nominal Counter Rate Nominal 25-Mar-15 1 bln 1 month 3 bln 3 months 6 bln 6 months 12 bln 12 months 24 bln 24 months 24 bln Rp 1 Milyar sd Rp 10 Milyar 4.00 4.25 4.50 4.75 4.25 4.25 IDR 1 Billion up to IDR 10 billion = Rp 10 Milyar 4.25 4.50 4.75 5.00 4.75 4.75 =IDR 10 billion Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 108 Selanjutnya pada tanggal 26 November 2015 ditetapkan PBI No.1721PBI2015 yang merupakan perubahan kedua atas PBI No.1515 PBI2013 dimana terdapat perubahan ketentuan pemenuhan GWM Primer dalam Rupiah yaitu sebesar 7,5 dari rata-rata harian DPK dalam Rupiah dan berlaku mulai tanggal 1 Desember 2015. Perhitungan GWM Primer Rupiah yang diberlakukan di BPD Kaltim sesuai SK Direksi No.032SKBPD-PSTII2011 tentang Pedoman dan Ketentuan Pemenuhan GWM Dalam Rupiah BPD Kaltim yaitu ditambahkan sebesar 0,005 di atas persentase GWM yang ditetapkan BI. Penambahan ini dilakukan untuk mengantisipasi pelanggaran atau terjadinya kekurangan dalam pemenuhan GWM Primer. b. GWM Sekunder GWM sekunder yang wajib dipenuhi yaitu sebesar 4 dari rata-rata DPK Rupiah sesuai LBBU periode 2 minggu sebelumnya. Pemenuhan atas GWM Sekunder yang dilakukan oleh BPD Kaltim adalah dalam bentuk SBI, SDBI, SUN dan RR SUN dan atau dilakukan Excess Reserve Tunai sesuai dengan persentase yang ditetapkan oleh Bank Indonesia bila pemenuhan dalam surat berharga tidak mencapai persentase yang ditetapkan. Namun, sepanjang tahun 2015 pemenuhan GWM sekunder melalui Excess Reserve Tunai tidak pernah dilakukan. Selama tahun 2015 tidak terjadi pelanggaran GWM baik Primer maupun Sekunder, walaupun menjelang akhir tahun 2015 terjadi peningkatan signiikan pada transaksi penarikan dana baik secara tunai maupun transfer oleh Pemerintah Daerah guna pembayaran SP2D proyek pembangunan pemerintah, namun kewajiban pemenuhan Giro Wajib Minimum masih dapat dipenuhi oleh Bank. Lebih lanjut, untuk memenuhi kebutuhan masyarakat akan layanan transaksi perbankan yang handal dan terjangkau bagi masyarakat, maka Bank Indonesia telah mengembangkan sistem SKNBI dari Generasi I kegenerasi II yang lebih cepat dan handal dengan beberapa itur dan solusi atas kebutuhan sistem pembayaran. BPD Kaltim sebagai salah satu peserta sistem pembayaran melalui SKNBI yang diselenggarakan oleh Bank Indonesia telah pula melakukan pengembangan sistem SKNBI generasi II pada core banking system Alphabits dengan menggunakan vendor yang antara lain mencakup: a. Sistem dapat di akses langsung pada kantor cabang, kantor cabang pembantu dan sampai kantor kas. Furthermore, on 26 November 2015 set PBI No.17 21 PBI 2015 which is the second amendment to PBI No.15 15 PBI 2013 where there is a change in the primary reserve requirement GWM in Rupiah compliance provisions amount of 7.5 of the mean daily average TPF in Rupiah and valid from date 1 December 2015. Calculation of Primary GWM Rupiah imposed in accordance BPD Kaltim SK Directors No.032 SK BPD-PST II 2011 on Guidelines and Conditions Fulfillment GWM in Rupiah BPD Kaltim is added 0,005 above the reserve requirement percentage set by BI. The addition is done to anticipate the occurrence of violations or deficiencies in the fulfillment of Primary GWM. b. secondary reserve Secondary reserves that must be met is equal to 4 of the average DPK LBBU amount corresponding period of the previous 2 weeks. Fulfillment of the secondary reserve conducted by BPD Kaltim is in the form of SBI, SDBI, SUN and SUN RR and or carried Excess Reserve Cash according to the percentage set by Bank Indonesia if the fulfillment of the valuable documents do not reach a specified percentage. However, throughout the year 2015 through the secondary reserve requirement fulfillment through Excess Reserve Cash had never been done. During 2015 there were no violations GWM both Primary and Secondary, although towards the end of 2015 a significant increase in the withdrawal of funds either in cash or transfer by the local government to the payment of SP2D government development projects, but the obligations Statutory still be met by the Bank. Furthermore, to meet local needs for banking services that are reliable and affordable for the public, Bank Indonesia has developed a SKNBI system of Generation I to Generation II which is faster and more reliable with few features and solutions for payment systems. BPD Kaltim as one of the participants of the payment system through SKNBI organized by Bank Indonesia has also conduct system development SKNBI Generation II in the core banking system Alphabits using vendors which include: a. The system that can be accessed directly at the branch offices, branch offices and to the cash office. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 109 b. Transaksi outgoing langsung mendebet rekening nasabah. c. Dapat menerapkan Service Level Agreement SLA 2 dua jam incoming transfer dan 2 dua jam outgoing transfer. d. Sistem yang terintegrasi pada data CIF nasabah dan proses eksekusi incoming murniretur menjadi lebih cepat dan mudah. Selain itu, seiring dengan meningkatnya frekuensi transaksi di dunia perbankan khususnya RTGS, maka dibutuhkan suatu sistem yang reliable untuk meningkatkan kinerja dari sistem yang ada. RTSX adalah suatu aplikasi RTGS Generasi II yang memberikan layanan dalam pelaksanaan dan penyelesaian transaksi untuk Bank Indonesia, Partisipan dan semua pihak yang terkait. Untuk mendukung program RTGS Generasi II maka BPD Kaltim telah melakukan pengembangan pada program interface dengan menggunakan vendor agar dapat terintegrasi pada Program core banking sehingga proses transaksi RTGS dapat ditransaksikan pada seluruh kantor cabang. Funding Perbankan secara lembaga memiliki fungsi menghimpun dan menyalurkan dana kepada masyarakat yang bertujuan untuk menunjang pelaksanaan pembangunan dalam rangka meningkatkan pertumbuhan ekonomi dan pemerataan pembangunan. Fungsi yang dikenal dengan intermediasi ini telah dijalankan oleh BPD Kaltim dengan konsisten setiap tahunnya. Dana Pihak Ketiga DPK Berdasarkan jenisnya, secara spasial di Kalimantan Timur, terjadi penurunan yang cukup tajam dalam DPK atau simpanan milik pemerintah. Penghimpunan DPK Kaltim pada Triwulan IV 2015 menurun -6.41 yoy. Penurunan ini terutama disebabkan berkurangnya giro pemerintah yang disebabkan menurunnya pendapatan pemerintah pada tahun 2015. b. Transactions outgoing direct debit the customer’s account. c. Can apply Service Level Agreement SLA two 2 hours of incoming transfers and two 2 hours of outgoing transfers. d. The integrated system on a CIF data execution process incoming customer and pure returns to be faster and easier. In addition, along with the increased frequency of transactions in the banking world, especially RTGS, we need a reliable system to improve the performance of existing systems. RTS X is a Generation II RTGS application that provides services in the implementation and completion of the transaction to Bank Indonesia, participants and all interested parties. To support the program RTGS Generation II BPD Kaltim has developed in the program interface by using vendors to be integrated into the program so that the core banking RTGS transaction process can be transacted at all branches. Funding Banking institutions have the function of collecting and distributing funds to society that aims to support the implementation of the development in order to enhance economic growth and equitable development. The function is known as the intermediation function has been run by BPD Kaltim consistently every year. Third Party Fund DPK Based on the type, spatially in East Kalimantan, there was a sharp decline in deposits DPK or government property. Kaltim DPK Union in the fourth quarter 2015 decreased -6.41 yoy. This decrease was primarily due to reduce government demand deposits due to declining government revenues in 2015. 2011 19,254,036 26,165,319 21,371,645 22,800,074 15,741,713 2013 2015 2012 2014 Dana Pihak Ketiga Konsolidasi 5 Tahun Terakhir Consolidated Third Party Fund in the last 5 Years Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 110 Penurunan DPK turut dirasakan BPD Kaltim selama tahun 2015. Performa di akhir tahun menunjukkan posisi DPK BPD Kaltim menurun hampir -31. Penurunan dana Pemerintah Daerah merupakan faktor utama penurunan yang terjadi yang tidak dapat dipisahkan pula dari kondisi ekonomi Kalimantan Timur dan Kalimantan Utara yang sedang melemah. Cabang Tenggarong, Cabang Malinau, Cabang Tana Paser dan Cabang Tanjung Selor merupakan kantor- kantor yang mengalami penurunan terparah dalam hal DPK. Hal ini bisa dilihat dari graik di bawah ini. Meskipun demikian, terdapat pula beberapa Cabang yang mengalami peningkatan DPK yaitu Cabang Jakarta sebesar 32 yoy serta Cabang Syariah Samarinda dan Cabang Syariah Balikpapan meskipun nilainnya dengan nilai kenaikan berturut- turut 26 yoy dan 19 yoy. DPK decline in deposits is felt by BPD Kaltim during 2015. Performance at the end of the year shows the position of DPK BPD Kaltim decreased by almost -31 . Decrease in Local Government funds are the main factors the decline can not be separated as well from the economic conditions of the East Kalimantan and North Kalimantan are being weakened. Branch Tenggarong, Branch Malinau, Branch Tana Paser and Branch Tanjung Selor are experiencing the biggest drop in terms of deposits DPK. This can be seen from the graph below. Nevertheless, there are also some branches that experienced an increase in deposits DPK, namely the Jakarta branch by 32 yoy and Syariah Branch Samarinda and Balikpapan despite the value consecutive rise 26 yoy and 19 yoy. Komposisi DPK Cabang Terhadap Konsolidasi Third Party Fund DPK composition against Branch Consolidation 2014 19.76 3.89 7.57 13.31 4.40 8.50V 10.14 3.89 2.80 4.60 5.03 4.22 2.01 2.98 3.45 2.68 0.76 2015 21.17 3.34 7.32 8.12 4.07 8.76 8.66 3.89 2.66 4.57 6.05 3.18 1.86 3.58 6.59 4.88 1.31 2014 2015 Samar inda Tana P aser Balik papan Tenggar ong Tar ak an Tanjung R edeb Tanjung S elor B on tang Nunuk an Sanga tta Senda w ar M alinau Penajam Tideng P ale Jak ar ta Sy ar iah Samar inda Sy ar iah Balik papan Jika dilihat berdasarkan jenis simpanan, giro merupakan bentuk simpanan yang paling tertekan. Tidak jauh berbeda dengan catatan penurunan DPK giro regional Kalimantan Timur yang turun minus dua digit, giro BPD Kaltim juga merasakan penurunan cukup besar dengan hanya berhasil membukukan nilai Rp 5,458,593,- juta secara konsolidasi di akhir tahun 2015. Tekanan pada giro BPD Kaltim setidaknya disebabkan beberapa hal, antara lain: a. Giro Pemda - Ketidakpastian waktu penyaluran dana perimbangan oleh Pemerintah Pusat pada akhir tahun 2015; - Penurunan saldo giro sehubungan dengana danya pembayaran SP2D; - Perpindahan saldo giro Pemda ke Deposito BPD Kaltim dalam rangka optimalisasi penempatan dana. If it is seen from the type of savings, current accounts, savings is a form of the most depressed. Not much different from the record decline in deposits of East Kalimantan regional demand deposits were down minus two digits, Deposit BPD Kaltim also felt the decline big enough with just managed to book value of IDR 5,458,593, - million on a consolidated basis at the end of 2015. The pressure on the current account at least BPD Kaltim caused by several things, among below: a. Local Government Giro - Uncertainties time balancing the distribution of funds by the central government at the end of 2015; - Decrease in current account balance of payment in respect with the payment of SP2D; - Transfer of demand deposits to the Deposit BPD Kaltim local government in order to optimize the placement of funds. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 111 b. Giro Swasta - Pencairan cek, bilyet giro serta transfer baik kliring maupun RTGS untuk kegiatan operasional perusahaan dalam proyek APBD maupun APBN; - Pencairan SP2D untuk proyek yang rekening giro; - Transaksi operasional debitur tidak pada rekening giro di BPD Kaltim; - Deisit anggaran dari beberapa pemerintah kota maupun kabupaten dalam penyaluran SP2D kepada pihak swasta Melihat kendala-kendala tersebut di atas maka BPD Kaltim telah mengoptimalkan treatment khusus untuk produk giro yang dilaksanakan hingga awal tahun 2016. Selain itu, pendekatan kepada pihak Pemerintah Daerah di Kabupaten, Kota dan provinsi dalam hal penyaluran dana perimbangan serta melakukan komunikasi kepada pihak-pihak terailiasi lainnya. Selanjutnya terkait jenis tabungan, pada tahun 2015 mencapai target sebesar 89.3 dari yang telah direncanakan. Pencapaian tersebut dijelaskan lebih rinci sebagai berikut: b. Private Giro - Disbursement check, demand deposit and both clearing and RTGS transfer to operations of the company in the project budget and the state budget; - SP2D disbursement to project in a currentgiro account; - The transactions of the debtor is not in a currentgiro account in BPD Kaltim; - The budget deficit of several municipalities and counties in SP2D disbursement to private parties Seeing from some of the constraints mentioned above, BPD Kaltim has optimized the special treatment for current accounts held until early 2016. In addition, the approach to the Local Government in the District, the city and the province in terms of the distribution of equalization funds and communicated to the other affiliated parties. Further related types of savings, by 2015 to reach the target of 89.3 of the planned. The achievement is described in more detail as follows : Pencapaian DPK Tabungan Berdasarkan Produk Third Party Fund DPK Achievement according to Products Keterangan Realisasi 31 Desember 2015 dalam juta Realization of December 31, 2015 in millions Information Simpeda Rp 3,754,931,- Simpeda Prama Rp 1,686,558,- Prama TabunganKu Rp 337,960,- TabunganKu Tabungan Berkah Rp 307,511,- Tabungan Berkah Tabungan AL - Amin Rp 47,359,- Tabungan AL - Amin Total Rp 6,134,321,- Total Kendala umum pencapaian DPK dalam bentuk tabungan di tahun 2015 adalah belum maksimalnya program-program funding yang telah berjalan. Selan itu basis teknologi turut menjadi perhatian utama dalam pengembangan produk dan jasa tabungan untuk kembali meningkatkan DPK. Dalam rangka mengangkat kembali pencapaian DPK jenis tabungan, BPD Kaltim berkomitmen untuk tetap melaksanakan program-program funding yang telah ditetapkan seperti One Man One Account dan One Man Five Account. Implementasi produk tabungan Simpel bagi pelajar serta penerapan ketentuan terbaru tiering untuk menjadi nasabah prioritas pada produk tabung, turut menjadi langkah taktis yang diharapkan dapat memancing peningkatan DPK di periode selanjutnya. DPK achievement of the common obstacles in the form of savings in 2015 is not maximal funding programs that have been run. Besides, technology base also become a major concern in the development of products saving and services to re-increase in deposits. In order to revive the achievement of savings in deposits, BPD Kaltim committed to continue to implement programs of funding which has been set as One Man One Account and One Man Five Account. Simple implementation of savings products to the students and the application of the latest tiering to be a priority customers on saving products, contributed to the tactical steps that are expected to provoke an increase in deposits in the next period. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 112 Penyertaan Saham dan Kinerja Keuangan Utama Anak Perusahaan a. Penyertaan modal yang dilakukan oleh BPD Kaltim b. Kinerja Keuangan Utama : • PT BPR Kutai Timur Pencapaian DPK Tabungan Berdasarkan Produk DPK Achievement Savings based on Products Investments Stocks and Main Financial Subsidiary Performance a. Capital investment undertaken by BPD Kaltim b. Main Financial Performance • PT BPR Kutai Timur a. PT. BPR Kutai Timur Modal Setoran Capital Deposit Dana Setoran Deposit Funds Saham Shares a. PT. BPR East Kutai 1. BPD Kaltim 2.000 - 15.75 1. BPD Kaltim 2. Pemkab Kaltim 9.000 - 70.87 2. Regency Kaltim 3. Pihak Swasta 10 orang 1.700 - 13.39 3. Private Party 10 people Total 12.700 - 100.00 Total b. PT. BPR Kutai Sejahtera Modal Setoran Capital Deposit Dana Setoran Deposit Funds Saham Shares b. PT. BPR Kutai Sejahtera 1. BPD Kaltim 12.200 - 81.06 1. BPD Kaltim 2. Pihak Swasta 2.850 - 18.94 2. Private Party Total 15.050 - 100.00 Total c. Perusahaan Lain Modal Setoran Capital Deposit Dana Setoran Deposit Funds Saham Shares c. Other Companies 1. PT. Sarana Kaltim Ventura 4.077 7.41 1. PT. Sarana Kaltim Ventura 2. PT. Askrida 1.630 0.83 2. PT. Askrida Total 5.707 Keterangan Realisasi Realization Pertumbuhan Growth Information Dec-15 Dec-14 Des’15Des’14 - Total Asset 41,599,076 40,734,536 2.12 total Assets - Laba Rugi sebelum pjk 2,005,481 482,646 315.52 Profit Loss before tax - DPK 15,345,482 18,023,172 -14.86 Third Party Fund DPK a. Tabungan 8,505,732 9,571,872 -11.14 a. Savings b. Deposito 6,839,750 8,451,300 -19.07 b. Deposit - Antar Bank Pasiva 8,906,496 7,806,398 14.09 Inter-bank liabilities - Antar Bank Aktiva 12,930,526 16,668,071 -22.42 Interbank Assets a. Giro 139,825 383,219 -63.51 a. Giro b. Tabungan 7,390,701 3,884,852 90.24 b. Savings c. Deposito 5,400,000 12,400,000 -56.45 c. Deposit - Kredit 25,456,365 22,075,067 15.32 Credit - Pinjaman yang diterima 1,200,000 1,800,000 -33.33 Loans received - Modal disetor 12,700,000 3,000,000 323.33 Paid-up capital Sumber : Laporan Keuangan PT BPR Kutai Timur per akhir November 2015 dan 2014 Dana Setoran Modal DSM milik Pemkab. Kutai Timur Rp. 7,5 miliar dan pihak Swasta Rp. 200 juta telah mendapatkan persetujuan dari OJK untuk menjadi modal disetor. Pos-pos keuangan utama PT BPR Kutai Timur periode Desember 2015 dibandingkan Desember 2014 mengalami pertumbuhan terutama pada pos Antar Bank Pasiva ABP, modal disetor, laba dan Antar Bank Aktiva ABA serta kredit. Total asset tumbuh sebesar 2.12 yang dipengaruhi oleh pertumbuhan Antar Bank Pasiva ABP sebesar 14.09, laba tumbuh yang Main financial posts of PT BPR Kutai Timur period of December 2015 compared to December 2014 grew mainly on post Inter-bank liabilities ABP, paid-in capital, profit and Inter-Bank Assets ABA, and loans. Total assets grew by 2.12 of which is influenced by the growth in Inter-bank liabilities ABP at 14.09, earnings grew significantly by Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 113 signiikan sebesar 315.52 dan modal disetor sebesar 323.33. Pertumbuhan laba dipengaruhi oleh tumbuhnya total biaya sebesar 25.35 lebih rendah dibandingkan dengan total pendapatan sebesar 43.47. Walaupun Dana Pihak Ketiga DPK menurun baik pos giro dan deposito, bank memiliki sumber pendanaan lain dalam bentuk Antar Bank Pasiva ABP yang tumbuh sebesar 14.09 dari Rp. 7,81 milyar menjadi Rp 8,91 milyar. Selain memanfaatkan dana yang dihimpun dari bank lain, setoran modal dari pemegang saham juga digunakan untuk mendukung kegiatan operasional bank. Rasio likuiditas menurun dengan persentase sebesar 7.33 yang dipengaruhi oleh menurunnya kas dan ABA sebesar 21 lebih tinggi dibandingkan penurunan dana masyarakat sebesar 14.75. Sementara itu, Loan to Deposit Ratio LDR menurun dengan persentase sebesar 6.10. Penurunan LDR tersebut dipengaruhi oleh tumbuhnya pinjaman yang diberikan sebesar 15.32 lebih rendah dibandingkan dengan dana masyarakat sebesar 22.80 yang terdiri dari tabungan, deposito, Antar Bank Pasiva ABP dengan jangka waktu diatas 3 bulan, pinjaman yang diterima, modal inti dan modal pinjaman. Di sisi lain, Return on Asset ROA tumbuh signiikan sebesar 241.59, yang dipengaruhi oleh tumbuhnya laba sebesar 315.52 lebih tinggi dibandingkan dengan pertumbuhan total asset sebesar 21.64. Tumbuhnya ROA tersebut mencerminkan melalui pertumbuhan total asset sebesar 21.64 mampu menghasilkan laba sebesar 315.52. Return on Equity ROE tumbuh sebesar 26.12, yang dipengaruhi oleh pertumbuhan laba setelah pajak sebesar 303.56 lebih tinggi dibandingkan dengan tumbuhnya modal inti sebesar 219.98. Pertumbuhan ROE tersebut mencerminkan melalui pertumbuhan modal inti sebesar 219.98 mampu menghasilkan laba sebesar 303.56. Sementara BOPO menurun sebesar 12.79. Penurunan BOPO tersebut dipengaruhi oleh tumbuhnya biaya operasional sebesar 25.35 lebih rendah dibandingkan dengan pertumbuhan operasional sebesar 43.73. Cost Efficiency Ratio CER pun mengalami penurunan sebesar 12.62, yang dipengaruhi oleh pertumbuhan total biaya sebesar 25.35 lebih rendah dibandingkan dengan total pendapatan sebesar 43.47. 315.52 and 323.33 of the paid-up capital. The profit growth was influenced by the growth of a total cost of 25.35 lower than the total revenue of 43.47. Although the Third Party Fund DPK decreased both postal giro and deposits, banks have other sources of funding in the form of Inter-bank liabilities ABP, which grew by 14:09 from IDR 7.81 billion to IDR 8.91 billion. In addition to utilizing the funds raised from other banks, capital injection from shareholders are also used to support operations of the bank. The liquidity ratio decreased with the percentage of 7.33 were influenced by the decrease in cash and ABA by 21 higher than the decline of public funds amounting to 14.75. Meanwhile, the Loan to Deposit Ratio LDR decreased by the percentage of 6.10. The decline in LDR is influenced by the growth of loans granted by 15.32 lower compared with public funds amounting to 22.80, consisting of savings, deposits, Inter-bank liabilities ABP with maturities over 3 months, borrowings, core capital and loan capital. On the other hand, Return on Assets ROA grew significantly by 241.59, which was influenced by the growth of profit of 315.52 higher than the growth in total assets of 21.64. The growth of ROA reflected through the growth of total assets of 21.64 is able to generate a profit of 315.52. Return on Equity ROE grew by 26.12, which was influenced by the growth in net profit after tax amounted to 303.56 higher than the growth of core capital amounted to 219.98. ROE growth reflected through the growth of core capital amounted to 219.98 able to generate a profit of 303.56. While BOPO decreased by 12.79. The decline in BOPO is influenced by the growth in operating costs by 25.35 lower compared with operational growth of 43.73. Cost Efficiency Ratio CER also decreased by 12.62, which was influenced by the growth of a total cost of 25.35 lower than the total revenue of 43.47. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 114 Hal ini diimbangi dengan pertumbuhan Net Interest Margin NIM sebesar 54.97. Pertumbuhan tersebut dipengaruhi oleh pertumbuhan pendapatan bunga bersih sebesar 53.54 sebaliknya aktiva produktif menurun sebesar 0.92. Lebih lanjut, Capital Adequacy Ratio CAR tumbuh signiikan sebesar 100.91. Pertumbuhan tersebut dipengaruhi oleh tumbuhnya modal yang signiikan sebesar 141.17 dari adanya penambahan modal milik Pemerintah Kabupaten Kutai Timur sebesar Rp 7,5 milyar dan pihak swasta sebesar Rp 200 juta lebih tinggi dibandingkan dengan pertumbuhan ATMR sebesar 20.04. Meskipun Non Performing Loan NPL juga tercatat meningkat dari 4.86 menjadi 7.85 yang dipengaruhi oleh kredit yang diberikan sebesar 15.32 terutama pada kelompok kredit konsumtif lebih rendah dibandingkan dengan kredit yang diklasiikasikan sebesar 86.29 yang meningkat pada kelompok kurang lancar dan macet. • PT. BPR Bepede Kutai Sejahtera This was offset by growth in Net Interest Margin NIM of 54.97. The growth was influenced by growth in net interest income by 53.54 conversely earning assets decreased by 0.92. Furthermore, the Capital Adequacy Ratio CAR increased significantly by 100.91. The growth was influenced by the growth of a significant capital amounted to 141.17 of the capital increase of the Government of East Kutai Regency at the amount of IDR 7.5 billion and the private sector amounted to IDR 200 million higher than the growth in RWA of 20.04. Although non-performing loans NPL also recorded increases of 4.86 to 7.85 which is influenced by loans totaling 15.32 mainly on consumer credit group is lower than the loan classified by 86.29 which increased in the group of substandard and loss. • PT BPR Bepede Kutai Sejahtera dalam ribuan rupiah | In thousand rupiah Keterangan Realisasi Realization Pertumbuhan Growth Information Dec-15 Dec-14 Des15Des’ 14 - Total Asset 70,694,911 65,598,140 7.77 - Total Assets - Laba setelah pajak 3,813,849 3,360,567 13.49 - Profit after tax - DPK 42,525,347 38,787,822 9.64 - Third Party Fund DPK a. Tabungan 13,682,947 12,958,722 5.59 a. Savings b. Deposito 28,842,400 25,829,100 11.67 b . Deposit - Pinjaman yang Diterima - - 0.00 - Loans Received - Antar Bank Pasiva 3,700,000 2,900,000 27.59 - Inter-bank liabilities - Antar Bank Aktiva 17,267,097 14,707,438 17.40 - Interbank Assets a. Giro 14,767,097 12,207,438 20.97 a. Giro b. Tabungan - - 0.00 b. Savings c. Deposito 2,500,000 2,500,000 0.00 c. Deposit - Kredit yang diberikan 45,478,417 44,754,327 1.62 - Loans granted - Modal disetor 15,050,000 15,050,000 0.00 - Paid-up capital Sumber: Laporan Keuangan PT BPR BKS per akhir Desember 2015 dan 2014 Dana setoran modal DSM milik BPD Kaltim sebesar Rp. 5 Miliar telah diakui sebagai Modal disetor Secara keseluruhan kegiatan usaha PT BPR Bepede Kutai Sejahtera Desember 2015 dibandingkan Desember 2014 mengalami pertumbuhan. Total asset tumbuh sebesar 7.77 yang dipengaruhi oleh pertumbuhan Dana Pihak Ketiga DPK 9.64 dari pertumbuhan keseluruhan tabungan dan deposito, penempatan dari bank lain ABP sebesar 27.59 dan laba sebesar 11.05. Yang dioptimalkan kedalam bentuk penempatan antar bank ABA dan penyaluran kredit. Overall, the business activities of PT BPR Bepede Kutai Sejahtera in December 2015 compared to December 2014 grew. Total assets grew by 7.77, which was influenced by the growth of third party funds DPK 9.64 of the overall growth of savings and deposits, placements from other banks ABP amounted to 27.59 and profit of 11.05which optimized into the form of inter-bank placements ABA and lending. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 115 Demikian pulan dengan Dana Pihak Ketiga DPK yang tumbuh sebesar 9.64 pada pos tabungan dan deposito masing-masing sebesar 5.59 dan 11.67 dengan pertumbuhan pada deposito sebesar 3, 6 dan 12 bulan. Selain sumber dana yang berasal dari kepercayaan masyarakat, bank juga menghimpun dana yang bersumber dari bank lain dalam bentuk ABP. Laba bank tumbuh sebesar 13.49 yang dipengaruhi oleh pertumbuhan total biaya sebesar 10.92 lebih rendah dibandingkan dengan total pendapatan sebesar 11.29. Pendapatan didominasi oleh pendapatan bunga terutama dari pendapatan bunga dari hasil penempatan antar bank dan kredit. Rasio likuiditas menurun sebesar 0.23 yang dipengaruhi oleh tumbuhnya Kas dan Antar Bank Aktiva ABA sebesar 13.97 lebih rendah dibandingkan dengan tumbuhnya dana masyarakat sebesar 14.23. Sementara itu, Loan to Deposit Ratio LDR menurun sebesar 6.05 dengan adanya pertumbuhan pinjaman yang diberikan sebesar 1.62 lebih rendah dibandingkan dengan tumbuhnya dana masyarakat sebesar 8.16. Return on Asset ROA tumbuh sebesar 7.92, dimana laba yang dihasilkan tumbuh sebesar 13.94 lebih tinggi dibandingkan dengan tumbuhnya total asset sebesar 5.16. Pertumbuhan ROA tersebut mencerminkan melalui pertumbuhan total asset sebesar 5.16 mampu menghasilkan laba dengan pertumbuhan sebesar 13.49. Sementara Return on Equity ROE tumbuh sebesar 11.91 yang dipengaruhi oleh laba yang dihasilkan sebesar 11.05 sedangkan modal inti cenderung menurun sebesar 0.77. Pertumbuhan ROE tersebut mencerminkan melalui penurunan modal inti sebesar 0.77 mampu menghasilkan laba sebesar 11.05. Thus, gathering with Third Party Fund DPK, which grew by 9.64 in postal savings and deposits respectively by 5.59 and 11.67 with growth in deposits amounted to 3, 6 and 12 months. In addition to the source of funds comes from public confidence, the bank also collects funds from other banks in the form of ABP. The bank’s profit grew by 13.49 were influenced by the growth in the total cost amounted to 10.92 lower compared with total revenues of 11.29. Revenue was dominated by interest income primarily from interest income from the inter-bank placements and credits. The liquidity ratio decreased at 0.23, which was influenced by the growth Interbank Cash and Assets ABA amounted to 13.97 which is lower compared to the growth of public funds as big as 14.23. Meanwhile, the Loan to Deposit Ratio LDR decreased by 6.05 with the growth of loans amounted to 1.62 lower compared to the growth of public funds amounting 8.16. Return on Assets ROA grew by 7.92, which generated profit grew by 13.94 higher than the growth of total assets of 5:16. The ROA growth reflected through the growth of total assets of 5.16 able to generate earnings with growth of 13.49. While Return on Equity ROE grew by 11.91, which was influenced by the income generated by 11:05 while the core capital tends to decrease by 0.77. The ROE growth reflected through a reduction in core capital of 0.77 is able to generate a profit at the amount of 11.05. Keterangan Desember December ∆ Information 2015 2014 Likuiditas 40.53 40.62 -0.22 Liquidity LDR 74.24 79.02 -6.05 LDR ROA 5.91 5.48 7.85 ROA ROE 16.88 15.08 11.94 ROE BOPO 82.14 81.12 1.26 BOPO CER 81.15 81.49 -0.42 CER NIM 23.37 22.61 3.36 NIM NPL 3.94 2.78 41.73 NPL CAR 38.14 41.49 -8.07 CAR Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 116 BOPO tumbuh sebesar 1.26, pertumbuhan BOPO tersebut dipengaruhi oleh biaya operasional yang tumbuh sebesar 10.92 lebih tinggi dibandingkan dengan pendapatan operasional sebesar 9.54. Cost Efficiency Ratio CER menurun sebesar 0.43 yang dipengaruhi oleh tumbuhnya total biaya sebesar 10.92 lebih rendah dibandingkan dengan total pendapatan 11.39. Non Performing Loan NPL tumbuh sebesar 41.56 dari 2.78 menjadi 3.94 adapun penurunan NPL tersebut dipengaruhi oleh kredit yang diklasiikasikan tumbuh sebesar 43.85 terutama pada kelompok macet sedangkan kelompok kurang lancar dan diragukan cenderung menurun dibandingkan dengan kredit yang diberikan sebesar 1.62 terutama pada kredit konsumtif. Di sisi lain, Capital Adequacy Ratio CAR menurun sebesar 0.09, penurunan tersebut dipengaruhi oleh pertumbuhan modal sebesar 0.74 lebih rendah dibandingkan dengan pertumbuhan ATMR sebesar 9.60. Penurunan ATMR tersebut mencerminkan menurunnya kemampuan bank dalam rangka memenuhi kecukupan modal bank untuk kelangsungan usaha jangka panjang. BOPO grew by 1.26, ROA growth is influenced by operating expenses grew by 10.92 higher as compared with operating income of 9.54. Cost Efficiency Ratio CER decreased by 0.43 were influenced by the growth of a total cost of 10.92 lower than the total income of 11:39. Non Performing Loan NPL grew by 41.56 from 2.78 to 3.94 while the decline in NPL was influenced by loans classified grew by 43.85 mainly on the jammed group while the substandard and doubtful tends to decrease as compared to loans amounted to 1.62 mainly on consumer credit. On the other hand, the Capital Adequacy Ratio CAR decreased by 0.09, the decrease was influenced by the capital growth of 0.74 which is lower than the growth in risk-weighted assets ATMRamounted to 9.60. The decline in risk-weight assets ATMR reflects the declining ability of banks to meet the capital adequacy of the bank’s long-term business continuity. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 117 Customer Management dan Complaint Handling BPD Kaltim menyediakan layanan contact center and complaint handling yang dikelola oleh Bankaltim Call Center pada nomor 0-800-1-738877 atau 0541 738877. Sebagai salah satu unit frontliner pelayanan, Bankaltim Call Center memberikan informasi produk serta menerima permasalahan, kritik dan berbagai informasi dari nasabah dan masyarakat dengan berusaha memberikan pelayanan terbaik kepada nasabah, calon nasabah dan masyarakat pada umumnya. Complain Handling yang masuk melalui layanan Bankaltim Call Center terdiri atas permohonan unregistered SMSBanking, transaksi ATM, transaksi BPDNet Online dan transaksi payment. Jumlah telepon yang masuk ke Bankaltim Call Center pada tanggal 01 Januari 2014 hingga bulan Desember 2015 dapat dilihat pada graik berikut. Customer Management and Complaint Handling BPD Kaltim provide contact center services and complaint handling are managed by Bankaltim Call Center at the number 0-800-1-738877 or 0541 738877. As one frontline unit of service, Bankaltim Call Center provides product information and receive problems, criticism and the various information of customers and society by trying to provide the best services to our customers, prospective customers and the general public. Handling complaints that go through Bankaltim Call Center services consist of the application for unregistered SMS banking, ATM, Online BPDNet transaction and payment transactions. The number of incoming calls to Bankaltim Call Center on January 1st 2014 to December 2015 may be seen in the following graph. Graik 1 Jumlah Telepon Masuk Ke Bankaltim Call Center Graph 1 The amount of Phone Number Go To Bankaltim Call Center 0541-738877 0800-1-738877 JAN 14 FEB 14 M AR 14 APR 14 MEI 14 JUN 14 JUL 14 A GT 14 SEP 14 OK T 14 NOV 14 DES 14 JAN 15 FEB 15 M AR 15 APR 15 MEI 15 JUN 15 JUL 15 A GT 15 SEP 15 OK T 15 NOV 15 DES 15 2689 1725 2154 2762 2563 2620 4031 2612 2904 3398 3299 4807 2813 1947 2702 2593 2707 2846 4022 2231 2969 2812 3106 4681 5821 8000 7000 6000 5000 4000 3000 2000 1000 3822 4368 4079 3884 5077 3966 3443 3184 2910 2339 3449 6681 4620 3993 3646 3470 5446 3078 3082 3236 2707 3715 2286 Tiket yang di buat oleh Agent Bankaltim Call Center berdasarkan telepon yang masuk dan diterima oleh Agent digolongkan menjadi 2 dua, yaitu: Permintaan Informasi dan Pengaduan Nasabah. Tickets are created by Bankaltim Agent Call Center is based on the incoming call received by the Agent and classified into 2 two, namely: Information Request and Customer Complaints. Graik 2 Jumlah Pengaduan Permintaan Informasi Graph 2 Number of Complaints and Requests for Information JAN 14 FEB 14 M AR 14 APR 14 MEI 14 JUN 14 JUL 14 A GT 14 SEP 14 OK T 14 NOV 14 DES 14 JAN 15 FEB 15 M AR 15 APR 15 MEI 15 JUN 15 JUL 15 A GT 15 SEP 15 OK T 15 NOV 15 DES 15 7000 6000 5000 4000 3000 2000 1000 279 2170 1186 1458 2445 2659 1996 3911 1949 1732 2034 2046 3220 2301 1751 1414 2486 1692 3501 4876 3056 3506 3794 3865 5982 220 218 207 183 165 125 116 108 101 122 103 94 92 92 69 193 297 405 293 255 244 164 216 Pengaduan Complaint Informasi Information Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 118 Pada Graik 2 sebelumnya terlihat bahwa jumlah permintaan informasi yang masuk ke Bankaltim Call Center mengalami peningkatan jika dibandingankan dengan bulan-bulan sebelumnya. Rincian permintaan informasi yang masuk ke Bankaltim Call Center pada bulan Januari 2015 s.d Desember 2015 dapat dilihat pada graik berikut: Jumlah pengaduan yang masuk ke Bankaltim Call Center pada bulan Januari 2015-Desember 2015 dapat dilihat pada graik berikut: Graik 4 Jumlah Pengaduan Nasabah Periode Januari – Desember 2015 Graph 4 Number of Customer Complaints January - December 2015 In the previous Graph 2, it could be seen that the number of requests for information coming into Bankaltim Call Center increased if compared with previous months. Details of requests for information coming into Bankaltim Call Center in January 2015 up to December 2015 can be seen in the following graph: The number of complaints coming into Bankaltim Call Center in January 2015 - December 2015 can be seen in the following graph: Graik 3 Jumlah Permintaan Informasi Periode Januari-Desember 2015 Graph 3 Total Information Request from January to December 2015 JAN 15 FEB 15 M AR 15 APR 15 MEI 15 JUN 15 JUL 15 A GT 15 SEP 15 OK T 15 NOV 15 DES 15 100 99 98 97 96 95 2254 1386 1715 2436 1641 3390 2978 3442 3703 3770 5887 4777 43 26 33 46 42 94 62 49 87 69 102 91 4 2 3 4 9 17 16 15 4 26 3 8 Informasi Rekening Account Information Informasi ProdukProgram Product Information Program Informasi Status Kartu ATM Information Status ATM Card 1 3 6 18 21 71 10 470 348 569 58 24 70 3 3 11 2 7 2 2 361 134 22 152 68 11 1 3 8 1 1 8 1 5 1101 1201 1502 2001 1102 1203 1503 2101 1102 1204 1600 2103 1104 1205 1701 2104 1105 1300 1800 2302 1107 1401 1801 2400 1108 1402 1802 2700 1109 1403 1803 2800 1200 1501 1900 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 119 Secara umum, pengaduan yang berasal dari nasabah didominasi olehPIN ATM LupaSalah yang kemudian diikuti dengan Blokir Kartu ATM.Pengaduan PIN ATM LupaSalah yang masuk ke Bankaltim Call Center disebabkan oleh kelalaian nasabah yang mengakibatkan terblokirnya kartu ATM. Kartu ATM akan otomotis terblokir ketika PIN yang dimasukkan oleh nasabah salah untuk ketiga kalinya. Kesalahan PIN oleh nasabah biasanya disebabkan nasabah salah atau lupa dengan PIN kartu ATM yang dimilikinya. Demi kemudahan nasabah, maka Agent Call Center membantu untuk pembukaan blokir kartu ATM yang disebabkan oleh kesalahan PIN, sehingga nasabah dapat menggunakan kembali kartu ATM yang dimilikinya 1 x 24 jam setelah pembukaan blokir kartu ATM dilakukan. Sedangkan untuk pengaduan Blokir Kartu ATM lebih banyak disebabkan oleh kelalaian nasabah itu sendiri seperti kartu ATM hilang. Sehingga untuk menghindari resiko penyalahgunaan ATM oleh pihak yang tidak bertanggung jawab, tindakan pencegahan yang dilakukan oleh Agent Bankaltim Call Center adalah melakukan pemblokiran kartu ATM nasabah yang melapor serta menginformasikan kepada nasabah untuk dapat pembuatan Kartu ATM kembali di cabang tempat pertama kali nasabah membuka rekening. Atau apabila kartu ATM telah ditemukan, nasabah bisa mendatangi kantor BPD terdekat untuk melakukan permohonan pembukaan blokir kartu ATM. Graik 5 Jumlah Pengaduan Triwulan I s.d IV Tahun 2015 Graph 5 Number of Complaints Quarter I up to IV Quarter 2015 Dari graik di atas terlihat bahwa jumlah pengaduan mengalami penurunan yang cukup signiikan dari Triwulan I sampai dengan Triwulan IV.Penurunan ini terjadi karena petugas penerima pengaduan In general, complaints from customers predominantly because of forgottenwrong ATM PIN followed by blocking the ATM Card. Complaints on forgottenwrong ATM PIN coming into Bankaltim Call Center due to customer negligence resulting in blocking of ATM card. ATM card will be automatically blocked when the PIN entered by the customer is wrong for the third time. Errors by the customer PIN is usually caused by wrong or forgotten ATM PIN card that the customers have. For the sake of convenience of customers, the Call Center Agent helps to block the opening of ATM card error caused by a PIN, so that customers can reuse its ATM cards 1 x 24 hours after the opening of blocking ATM card had been done. As for complaints for ATM card blocking more due to the negligence of the customer itself like missing the ATM card. So as to avoid the risk of misuse of ATM by parties who are not responsible, precautionary measures undertaken by Bankaltim Call Center Agent is blocking the customers’ ATM card who report and informing the customers to be able to manufacture ATM card back at the branch where the first customers to open an account. Or if the ATM card has been found, customers can visit the nearest BPD office to apply for the opening of an ATM card blocking. From the graph above, it shows that the number of complaints has decreased significantly from Quarter I up to Quarter IV. This decrease occurs because the receiving officer complaints have mostly understand Triwulan I Quarter I Triwulan II Quarter II Triwulan III Quarter III Triwulan IV Quarter IV 3000 2500 2000 1500 1000 500 2783 2809 1127 597 Banyaknya Pengaduan | Number of complaints Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 120 sebagian besar telah memahami hal-hal yang perlu dilaporkan atau tidak. Laporan yang tidak perlu dilaporkan adalah laporan yang tidak berpotensi menimbulkan kerugian pada nasabah antara lain: Pengaktifannon aktif itur sms banking, pembukaan penutupan rekening, penggantian buku tabungan karena sudah penuh dan penggantian kartu ATM karena sudah tidak terbaca mesin. Dalam pelaksana kontrol nasabah dan pengelolaan pengaduan, BPD Kaltim menyusun evaluasi dan mitigasi risiko sebagai berikut: 1. Pemantauan dari atasan langsung kepada petugas di unit terkait dalam hal memberikan pemahaman kepada Nasabah mengenai manfaat, risiko, biaya layanan produk serta syarat dan ketentuan masing masing Produk BPD Kaltim secara jelas kepada Nasabah; 2. Pembaharuan SOP terkait produk, jasa dan layanan; 3. Sosialisasi dari pejabat terkait sehubungan dengan perkembangan ketentuan terbaru terkait produk, jasa dan layanan maupun program terbaru sehingga pengetahuan karyawan BPD Kaltim selalu up to date; 4. Penyampaian masalah-masalah yang terjadi dan bagaimana cara mengatasinya pada brieing rutin yang dilaksanakan di tiap unit kerja; 5. Karyawan selalu menginformasikan kepada Nasabah terkait mekanisme pengaduan dan sarana pengaduan yang bisa dilakukan nasabah dalam menyampaikan pengaduan; 6. Menyampaikan kembali pentingnya menyimpan ATM, buku tabungan dan menjaga kerahasiaan PIN; 7. Pelatihan bagi Unit terkait penanganan aduan dari sisi Regulasi dan Hukum; 8. Pelatihan dan sosialisasi rutin terkait Penanganan Pengaduan Nasabah bagi petugas di Kantor Cabang Front Liner; 9. Penerbitan brosur mengenai produk danatau jasa layanan BPD Kaltim yang dapat memberikan informasi yang jelas dan mudah dipahami oleh Nasabah; 10. Pemantauan terhadap Jaringan dan Mesin ATM pada unit terkait; 11. Pembaharuan Standar Operasional Prosedur terkait Perlindungan Nasabah Penanganan Pengaduan Nasabah; 12. Pemahaman kepada Petugas di masing masing Cabang terkait pembuatan Laporan Penanganan dan Penyelesaian Pengaduan Nasabah. the things that need to be reported or not. The report that does not need to be reported is the report that do not potentially cause harm to customers, including: Activation non active feature sms banking, opening closing of accounts, the replacement of savings book because it is full and ATM card replacement because it was not machine-readable. In implementing the control and management of customer complaints, BPD Kaltim prepare the evaluation and mitigation of risk as follows: 1. Monitoring of the immediate supervisor to officers in units linked in terms of providing understanding to the customer on the benefits, risks, costs of service products as well as the terms and conditions of each product BPD Kaltim clearly to the Customer; 2. Renewal of SOP related products, services and service; 3. Dissemination of relevant officials in connection with the latest developments related to the provision of products, services and services and the latest program so the employees knowledge of BPD Kaltim are always up to date; 4. Submission of the problems that occur and how to overcome on the routine briefing held in each unit; 5. Employees always inform the customer related complaint mechanism and complaint facilities that can be done by the customers in complaints; 6. Convey the importance of saving ATMs, passbook and maintain the confidentiality of customers’ PIN; 7. Training for units related handling complaints of the Regulation and the Law; 8. Training and routine socialization related Handling Customer Complaints for officers in the Branch Office Front Liner; 9. Publishing brochures about the products and or services BPD Kaltim which can provide information that is clear and easily understood by the customers; 10. Monitoring of the network and an ATM machine in the unit concerned; 11. Renewal of Standard Operating Procedures related to the Protection of Customer Customer Complaint Handling; 12. Understanding the clerk at each branch related on making report of Handling and Customer Complaints’ Resolution. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 121 Priority Bankaltim Total deposits on each product of Bankaltim Priority in millions of Rupiah is as follows : a. Deposits : IDR 741.882,- b. Giro : IDR 4.266,- c. Simpeda : IDR 158.832,- d. Berkah : IDR 22.287,- e. Prama : IDR 428.558,- f. Prama IB : IDR 33.020,- g. Tabungaku : IDR 15.829,- h. Tabungaku IB : IDR 1.213,- i. Al Amin IB : IDR 20,- Total : IDR 1,405,838,- Bankaltim Prioritas Jumlah simpanan per produk Bankaltim Prioritas dalam jutaan Rupiah adalah sebagai berikut: a. Deposito : Rp 741,882,- b. Giro : Rp 4,266,- c. Simpeda : Rp 158,832,- d. Berkah : Rp 22,287,- e. Prama : Rp 428,558,- f. Prama IB : Rp 33,020,- g. Tabungaku : Rp 15,829,- h. Tabungaku IB : Rp 1,213,- i. Al Amin IB : Rp 20,- Jumlah : Rp 1,405,838,- Sebagaimana tampak pada graik, secara umum layanan Bankaltim Prioritas mengalami peningkatan selama tahun 2015 sebesar 50 yoy.Demikian pula dengan jumlah nasabah Bankaltim Prioritas yang mengalami peningkatan sebesar 53.6 yoy di tahun 2015. As shown in the graph, in general Bankaltim Priority service for 2015 increased by 50 yoy. As well as the number of customers of Bankaltim Priorities increased by 53.6 yoy in 2015. Developments Bankaltim Priority Service Facilities in Komposisi Bankaltim Prioritas Per Cabang Composition Priority Bankaltim Per Branch 450,000,000.00 400,000,000.00 350,000,000.00 300,000,000.00 250,000,000.00 200,000,000.00 150,000,000.00 100,000,000.00 50,000,000.00 0.00 2014 2015 KCU Samar inda Main Br anch O ic e S amarinda KC T ana Paser Br anch O ic e T ana P aser KC Balik papan Br anch O ic e Balik papan KC T enggar ong Br anch O ic e T eng gar ong KC T ar ak an Br anch O ic e T ar ak an KC T anjung R edeb Br anch O ic e T anjung Redeb KC T anjung Selor Br anch O ic e T anjung S elor KC B on tang Br anch O ic e B ontang KC Nunuk an Br anch O ic e Nun uk an KC Sanga tta Br anch O ic e S angatta KC S enda w ar Br anch O ic e S endaw ar KC M alinau Br anch O ic e Malinau KC P enajam Br anch O ic e P enajam KC T ana T idung Br anch O ic e T ana T idung KC Jak ar ta Br anch O ic e Jak ar ta KC S yar iah K C Samar inda Br anch O ic e Sharia S amarinda KC S yar iah Balik papan Br anch O ic e Sharia Balik papan KCU Samar inda Main Br anch O ic e S amarinda KC T ana Paser Br anch O ic e T ana P aser KC Balik papan Br anch O ic e Balik papan KC T enggar ong Br anch O ic e T eng gar ong KC T ar ak an Br anch O ic e T ar ak an KC T anjung R edeb Br anch O ic e T anjung Redeb KC T anjung Selor Br anch O ic e T anjung S elor KC B on tang Br anch O ic e B ontang KC Nunuk an Br anch O ic e Nun uk an KC Sanga tta Br anch O ic e S angatta KC S enda w ar Br anch O ic e S endaw ar KC M alinau Br anch O ic e Malinau KC P enajam Br anch O ic e P enajam KC T ana T idung Br anch O ic e T ana T idung KC Jak ar ta Br anch O ic e Jak ar ta KC S yar iah K C Samar inda Br anch O ic e Sharia S amarinda KC S yar iah Balik papan Br anch O ic e Sharia Balik papan Komposisi Jumlah Nasabah Bankaltim Prioritas Per Cabang Composition Amount Per Customer Priority Bankaltim Branch 2014 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 122 Perkembangan Fasilitas Layanan Bankaltim Prioritas Pada tahun 2015 BPD kaltim melakukan kerjasama dengan beberapa Executive Lounge, yaitu: 2015 BPD Kaltim cooperating with several Executive Lounge, namely: NO NO NAMA LOUNGE NAME LOUNGE NAMA BANDARA NAME OF THE AIRPORT KOTA CITY 1 BLUE SKY EXECUTIVE LOUNGE BANDARA INTERNASIONAL SEPINGGAN | SEPINGGAN IINTERNATIONAL AIRPORT BALIKPAPAN 2 BLUE SKY EXECUTIVE LOUNGE BANDARA SYAMSUDIN NOOR | SYAMSUDIN NOOR AIRPORT BANJARMASIN 3 BLUE SKY EXECUTIVE LOUNGE BANDARA INTERNASIONAL ADI SUTJIPTO | ADI SUTJIPTO INTERNATIONAL AIRPORT JOGJAKARTA 4 BLUE SKY EXECUTIVE LOUNGE BANDARA INTERNASIONAL SULTAN | SULTAN INTERNATIONAL AIRPORT VBN 5 BLUE SKY EXECUTIVE LOUNGE BANDARA SOEKARNO HATTA TERMINAL IC | SOEKARNO HATTA AIRPORT TERMINAL IC JAKARTA Blue Sky Executive Lounge Blue Sky Executive Lounge NO NO NAMA LOUNGE NAME LOUNGE NAMA BANDARA NAME OF THE AIRPORT KOTA CITY 1 EL JOHN LOUNGE BANDARA HANG NADIM | HANG NADIM AIRPORT BATAM 2 EL JOHN LOUNGE BANDARA TJILIK RIWUT | TJILIK RIWUT AIRPORT PALANGKARAYA 3 EL JOHN LOUNGE BANDARA DEPATI AMIR | DEPATI AMIR AIRPORT PANGKAL PINANG 4 EL JOHN LOUNGE BANDARA H.A.S HANANDJUDIN | H.A.S HANANDJUDIN AIRPORT TANJUNG PANDAN BELITUNG 5 EL JOHN LOUNGE BANDARA KALIMARAU | KALIMARAU AIRPORT BERAU EL JOHN LOUNGE EL JOHN LOUNGE NO NO NAMA LOUNGE NAME LOUNGE NAMA BANDARA NAME OF THE AIRPORT KOTA CITY 1 EMERALD SKY LOUNGE BANDARA SOEKARNO HATTA TERMINAL 2E | SOEKARNO HATTA AIRPORT TERMINAL 2E JAKARTA 2 EMERALD SKY LOUNGE BANDARA SOEKARNO HATTA TERMINAL 2F | SOEKARNO HATTA AIRPORT TERMINAL 2F JAKARTA EMERALD SKY LOUNGE EMERALD SKY LOUNGE NO NO NAMA LOUNGE NAME LOUNGE NAMA BANDARA NAME OF THE AIRPORT KOTA CITY 1 BLUE SKY EXECUTIVE LOUNGE BANDARA JUANDA SURABAYA | JUANDA AIRPORT SURABAYA SURABAYA 2 TROWULAN LOUNGE BANDARA JUANDA SURABAYA | JUANDA AIRPORT SURABAYA SURABAYA 3 SINGOSARI LOUNGE BANDARA JUANDA SURABAYA | JUANDA AIRPORT SURABAYA SURABAYA ANGKASA PURA SURABAYA ANGKASA PURA SURABAYA NO NO NAMA LOUNGE NAME LOUNGE NAMA BANDARA NAME OF THE AIRPORT KOTA CITY 1 JUATA INDAH EXECUTIVE LOUNGE BANDARA INTERNASIONAL JUWATA TARAKAN JUAWATA INTERNATIONAL AIRPORT TARAKAN TARAKAN JUATA INDAH JUATA INDAH NO NO NAMA LOUNGE NAME LOUNGE NAMA BANDARA NAME OF THE AIRPORT KOTA CITY 1 JW LOUNGE BANDARA SOEKARNO HATTA TERMINAL 1 A | SOEKARNO HATTA AIRPORT TERMINAL 1 A JAKARTA 2 JW LOUNGE BANDARA SOEKARNO HATTA TERMINAL 3 | SOEKARNO HATTA AIRPORT TERMINAL 3 JAKARTA JW LOUNGE JW LOUNGE NO NO NAMA LOUNGE NAME LOUNGE NAMA BANDARA NAME OF THE AIRPORT KOTA CITY 1 TG LOUNGE BANDARA INTERNASIONAL SEPINGGAN | SEPINGGAN INTERNATIONAL AIRPORT BALIKPAPAN TAURUS GEMILANG TAURUS GEMILANG Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 123 Kerjasama Selama Tahun 2015 No. NAMA NAME PERIHAL KERJASAMA ABOUT COOPERATION NOMOR PERIJINAN KERJASAMA NO LICENSING PARTNERSHIP MULAI START BERAKHIR ENDED KATEGORI USAHA BUSINESS CATEGORIES 1. PT. Asuransi Bangun Askrida PT. Asuransi Bangun Askrida Perjanjian Kerjasama Penutupan Asuransi Kerugian Closing Insurance Cooperation Agreement 028APRJBPD-PSTVI2015 037APERJABA2015 11-Jun-15 11-Jun-17 Asuransi Umum General insurance Penutupan Asuransi Kerugian Syariah Closure of Sharia Loss Insurance 041PRDBPD-PST-VII2013 021PERJABA-SYRHVII2013 31-Jul-13 31-Jul-15 ARO Koneksi Data Pelaksanaan Kerjasama Asuransi Implementation of the Data Connection Cooperation Insurance 019PRJBPD-PSTIII2015 019PERJABA2015 11-Jun-15 11-Jun-2015 2. PT. Bosowa Asuransi PT. Bosowa Insurance Perjanjian Kerjasama Bancassurance Model Bisnis Referensi Cooperation Agreement Bancassurance Business Reference Model 077PRJBPD-PSTVIII2014 029PKS-BAVIII-2014 25-Aug-14 25-Aug-16 Asuransi Umum General insurance 3. PT. Asuransi Jiwa Syariah Al-Amin PT. Life Insurance Sharia Al-Amin Perjanjian Kerjasama Asuransi Pembiayaan Syariah Sharia Insurance Financing Cooperation Agreement 087PRJBPDPSTIX2014 033PKS-ALAMINDIRVIII2014 09-Oct-14 09-Oct-16 Asuransi Jiwa Life insurance 4. PT. Penjaminan Kredit Daerah Provinsi Kalimantan Timur Jamkrida Kaltim PT. Regional Credit Guarantee province of East Kalimantan Kaltim Jamkrida Nota Kesepahaman Bersama Memorandum of Understanding 001Jamkrida.KTMoUXI2014 117PRJBPD-PSTXI2014 27-Nov-14 27-Nov-16 Asuransi Umum Jiwa PNS BUMN BUMD General Life Insurance PNS SOEs and enterprises Perjanjian Kerjasama Penjaminan Kredit Produktif Productive Credit Guarantee Cooperation Agreement 001Jamkrida.KTPKS-PRXI2014 118PRJBPD-PSTXI2014 Perjanjian Kerjasama Penjaminan Kontra Bank Garansi Cooperation Agreement Counter Guarantee Bank Guarantee 001JAMKRIDA.KTPKS-KBGI2015 001PRJBPD-PSTI2015 07-Jan-15 07-Jan-17 Perjanjian Kerjasama Penjaminan Atas Kredit Multiguna Cooperation Agreement On Multifunction Credit Guarantee 002JAMKRIDAKTPKS.PEGI2015 002PRJBPD-PSTI2015 Penjaminan Kredit Konstruksi dan Pengadaan BarangJasa Credit Guarantee Construction and Procurement of Goods Services 006Jamkrida.KTPKSKTRX2015 037PRJBPD-PSTX2015 18-Oct-15 18-Oct-18 5. Perusahaan Umum Jaminan Kredit Indonesia Perum Jamkrindo Public Enterprise Credit Guarantee Indonesia Perum Jamkrindo Nota Kesepahaman Bersama MOU Kerjasama Penjaminan Cash Loan Non Cash Loan Memorandum of Understanding MOU on Cooperation Assurance Non Cash Loan Cash Loan 130JamkrindoXI2014 112PRJBPD-PSTXI2014 25-Nov-14 25-Nov-16 Asuransi Umum Jiwa PNS BUMN BUMD General Life Insurance PNS SOEs and enterprises Penjaminan Kredit Produktif Productive Credit Guarantee 131JamkrindoXI2014 113PRJBPD-PSTXI2014 Penjaminan Kredit Konsumer untuk Produk Multiguna dan Personal Loan Consumer Credit Guarantee for Multifunction Products and Personal Loan 132JamkrindoXI2014 114PRJBPD-PSTXI2014 Penjaminan Kredit Konstruksi dan Pengadaan BarangJasa Credit Guarantee Construction and Procurement of Goods Services 133JamkrindoXI2014 115PRJBPD-PSTXI2014 Penjaminan Bank Garansi Guarantee Bank Guarantee 134JamkrindoXI2014 116PRJBPD-PSTXI2014 6. PT. Asuransi Kredit Indonesia Askrindo PT. Asuransi Kredit Indonesia Askrindo Perjanjian Kerjasama Induk Master Cooperation Agreement ADD I.41PKSIndukASKDIRXII2014 063PRJBPD-PSTVII2014 10-Jul-14 10-Jul-16 Asuransi Umum Jiwa PNS BUMN BUMD General Life Insurance PNS SOEs and enterprises Perjanjian Kerjasama Asuransi Kredit Project Pre-Financing untuk Sektor Konstruksi atau Non-Konstruksi Pengadaan BarangJasa Credit Insurance Project Cooperation Agreement Pre-Financing for the Construction Sector or Non-Construction Procurement of Goods Services ADD II.44PKSASKDIRXII2014 064PRJBPD-PSTVII2014 Perjanjian Kerjasama Asuransi Kredit KonsumtifMultiguna Consumer Credit Insurance Cooperation Agreement Multipurpose ADD II.42PKSASKDIRXII2014 065PRJBPD-PSTVII2014 Perjanjian Kerjasama Asuransi Kredit Umum bagi Usaha Profuktif Cooperation Agreement for the Commercial Credit Insurance Enterprises Profuktif ADD I.43PKSASKDIRXII2014 066PRJBPD-PSTVII2014 Perjanjian Kerjasama Penjaminan Garansi Bank Cooperation Agreement Guarantee Bank Guarantee 007PKSSUR-ASKDIRIX2014 085PRJBPD-PSTIX2014 22-Aug-14 22-Aug-16 7. PT. Penjaminan Jamkrindo Syariah PT. Guarantee Jamkrindo Sharia Nota Kesepahaman Bersama MOU | Memorandum of Understanding MOU Kerjasama Penjaminan Kafalah | Cooperation Assurance Kafalah Pembiayaan dengan Prinsip Syariah | Financing the Sharia 01MOU.JamsyarIII2015 020PRJBPD-PSTIII2015 30-Mar-15 29-Mar-17 Asuransi Umum Jiwa Syariah BPD Kaltim Syariah General Insurance and Sharia Life Sharia BPD Kaltim Perjanjian Kerjasama Penjaminan Kafalah Guarantee Cooperation Agreement Kafalah Pembiayaan MultigunaPersonal Loan untuk Pegawai Internal BPD Kaltim. Financing Multipurpose Personal Loan to Employees Internal BPD Kaltim. 014Jamkrindo SyariahIII2015 021PRJBPD-PSTIII2015 Perjanjian Kerjasama Penjaminan Kafalah Bank Garansi Guarantee Cooperation Agreement Kafalah Bank Guarantee 013Jamkrindo SyariahIII2015 022PRJBPD-PSTIII2015 Penjaminan KafalahPembuayaan Konstruksi dan Pengadaan BarangJasa Guarantee Kafalah Pembuayaan Construction and Procurement of Goods Services 061Jamkrindo SyariahX2015 035PRJBPD-PSTX2015 09-Oct-15 09-Oct-17 Penjaminan Kafalah Pembiayaan MultigunaKonsumtif Guarantee Kafalah Financing Multipurpose Consumer 062Jamkrindo SyariahX2015 036PRJBPD-PSTX2015 8. PT. Asuransi Umum Videi PT. General Insurance Videi Perjanjian Kerjasama Penjaminan Garansi Bank Cooperation Agreement Guarantee Bank Guarantee 019aPRJBPD-PSTIII2015 003.VIDEI-BPD KALTIM.04.15 27-Mar-15 27-Mar-17 Asuransi Umum General insurance 9. PT. Asuransi Central Asia ACA PT. Asuransi Central Asia ACA Perjanjian Kerjasama Penutupan Asuransi Kerugian Closing Insurance Cooperation Agreement 025PRJBPD-PSTVI2015 071DIRTHVI15 16-Jun-15 16-Jun-15 Asuransi Umum General insurance 10. PT. Asuransi Tri Pakarta PT. Insurance Tri Pakarta Perjanjian Kerjasama Penutupan Asuransi Kerugian Closing Insurance Cooperation Agreement 015aPRJBPD-PSTIII2015 2 004?DIRPKS2013 05-Mar-15 05-Mar-17 Asuransi Umum General insurance 11. PT. Asuransi Asei Indonesia PT. Insurance Asei Indonesia Penjaminan Kredit Kas dan Non Kas Credit Guarantee Cash and Non-Cash 060PRJBPD-PSTVI2014 29028VIPERJ-DIRASEI 17-Feb-14 17-Feb-16 Asuransi Umum General insurance 12. PT. Asuransi Jasa Indonesia Jasindo PT. Asuransi Jasa Indonesia Jasindo Perjanjian Kerjasama Penutupan Asuransi Kerugian Closing Insurance Cooperation Agreement 029BPRJBPD-PSTVII2015 PKS.036A.AJI.VII2015-12-28 09-Jul-15 09-Jul-17 Asuransi Umum General insurance 13. PT. Jasaraharja Putera PT. Jasaraharja Putera Addendum I Penutupan Asuransi Kredit KumpulanAsuransi Kecelakaan Diri Addendum I set Closing Credit Insurance Personal Accident Insurance PADD10.1XII2015 052PRJBPD-PSTXII2015 12-Dec-15 12-Dec-17 Asuransi Umum General insurance Addendum III Penerbutan Jaminan dalam Bentuk Back to Back Guarantee Addendum III Security Publication in the Form Back to Back Guarantee PADD10.2XII2015 053PRJBPD-PSTXII2015 Cooperation in 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 124 Pengembangan Bisnis Selama tahun 2015, terdapat pembuatan produk dan jasa baru antara lain Laku Pandai Bankaltim dan Tabungan SimPel. Laku pandai Bankaltim diluncurkan pada tanggal 15 Desember 2015 di Samboja, Kabupaten Kutai Kartanegara. Laku Pandai atau Layanan Tanpa Kantor Dalam Rangka Keuangan Inklusif adalah kegiatan layanan perbankan dan atau layanan keuangan lainnya yang dilakukan tidak melalui jaringan kantor melainkan melalui kerjasama dengan pihak lain. Program yang diinisiasi oleh Otoritas Jasa Keuangan ini diresmikan pelaksanaannya oleh BPD Kaltim bersamaan dengan peluncuran produk Tabungan SimPel.BPD Kaltim menjadi Bank Pembangunan Daerah pertama yang meluncurkan Laku Pandai, serta menjadi yang pertama melaksanakan peluncuran Laku Pandai bersamaan dengan Tabungan SimPel. Hal ini membuktikan komitmen Bank untuk senantiasa mengembangkan produk dan layanan yang memudahkan nasabah. Dalam melaksanakan program pemasaran dan dalam rangka menjalankan marketing communication yang integratif pada tahun 2015, BPD Kaltim melalui unit kerja Divisi Pengembangan Bisnis melakukan strategi-strategi yang berintegrasi dengan program, unit kerja lain dalam menggerakkan funding dan lending. Salah satu unsur penting dalam marketing communication yang menjadi perhatian utama adalah terkait packaging produk dan layanan serta promosinya. Untuk menunjang promosi, dilaksanakan pengemasan produk, jasa dan layanan yang belum ada maupun mengemas produk, jasa dan layanan yang sudah ada, seperti program funding BankaltimLAH berhadiah Fantastik, Paket Merdeka dan program lainnya. Di sisi lain, pembuatan desain tidak hanya terbatas pada promosi, namun juga bagi kegiatan internal serta kegiatan korporasi dan event eksternal yang berhubungan dengan Bank. Selama tahun 2015, BPD Kaltim melalui unit kerja Divisi Pengembangan Bisnis juga melaksanakan beberapa kegiatan antara lain penarikan undian prama dengan tajuk Kemilau Prama Bankaltim 1 milyar pada 23 Januari 2015 yang bertempat di Stadion Madya Sempaja Samarinda. Dalam kegiatan tersebut, pengundian tabungan Prama digabung dengan pengundian Tabungan Berkah dari BPD Kaltim Syariah yang menyediakan hadiah 48 paket Umroh bagi nasabah. Selain itu, pada kesempatan yang sama juga dilaksanakan peluncuran Mobile Banking Syariah. Business Development During 2015, there were manufacture of new products and services, which are Laku Pandai Bankaltim and Tabungan SimPelSimple Savings. Laku Pandai Bankaltim launched on December 15, 2015 in Samboja, Regency of Kutai Kartanegara. Laku Pandai atau Layanan Tanpa Kantor in the framework of Inclusive Finance is an activity or banking services and other financial services that do not through the office network but through cooperation with other parties. The program initiated by the Financial Services Authority unveiled its implementation by BPD Kaltim coincide with the launched product of Tabungan SimPel. BPD Kaltim has become the first regional development bank who launched Laku Pandai, as well as being the first to implement in conjunction with the launch of Tabungan SimPel. This proves the Bank’s commitment to continuously develop products and services that facilitate customer. In implementing marketing programs and in order to run an integrated marketing communication in 2015, BPD Kaltim through the work unit Business Development Division conduct strategies that integrate with the program, other work units in mobilizing funding and lending. One important element in the marketing communication which became the major concern is related product packaging and services as well as promotion. To support the promotion, implemented packaging of products, services and services that did not exist or repacking of products, services and existing services, such as funding programs with prizes BankaltimLAH which has fantastic prizes, Paket Merdeka and other programs. On the other hand, making the design not only limited to the sale, but also for the internal activities and corporate activities and external events related to the Bank. During 2015, BPD Kaltim through the work unit Business Development Division also undertakes several activities such as Prama drawing with the headline Kemilau Prama Bankaltim 1 milyar on January 23, 2015 held at Madya Stadium Sempaja Samarinda. In these activities, Prama savings drawing combined with the drawing of Tabungan Berkah from BPD Kaltim Syariah presents a gift of 48 Umrah packages for customers. In addition, on the same occasion we also held the launch of Mobile Banking Sharia. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 125 Pada tahun 2015, BPD Kaltim juga ditunjuk sebagai Tuan Rumah pelaksanaan Pengundian Tabungan Simpeda Nasional Periode I Tahun XXVI 2015. Kegiatan tersebut dilaksanakan di Balikpapan dan dihadiri oleh jajaran Otoritas Jasa Keuangan, Asbanda dan dua puluh lima Bank Pembangunan Daerah se-Indonesia. Kemeriahan acara kemudian dilanjutkan dengan kegiatan peluncuran Laku Pandai dan Tabungan SimPel di Samboja, Kabupaten Kutai Kartanegara dan dihadiri langsung oleh Ketua Dewan Komisioner Otoritas Jasa Keuangan OJK Bapak Muliaman D. Hadad. In 2015 , BPD Kaltim also appointed as the Host National Simpeda implementation raffle Savings Period I, XXVI , 2015. The event was held in London and attended by the Financial Services Authority , Asbanda and twenty five Regional Development Bank in Indonesia . The festive event was followed by the launch activities of Conduct Smart and Simple Savings in Samboja , Kutai regency and attended by the Chairman of the Board of Commissioners of the Financial Services Authority FSA Mr. Muliaman D. Hadad . NO NO PRODUK JASA PRODUCTS SERVICES PRODUK DANA DANA PRODUCTS PRODUK KREDIT CREDIT PRODUCTS KONVENSIONAL CONVENTIONAL SYARIAH SHARIA RUPIAH RUPIAH VALAS FOREIGN CURRENCY A. PRODUK TABUNGAN A. SAVINGS PRODUCTS 1 Tabungan Simpeda Simpeda Savings v - v - v - 2 Tabungan Berkah Berkah Saving v - v - v - 3 Tabungan Al Amin Al Amin Savings v - v - v - 4 Tabungan Al Amin iB Al Amin iB Savings v - - v v - 5 Tabungan Prama Prama Savings v - v - v - 6 Tabungan Prama iB Prama Savings iB v - - v v - 7 TabunganKU TabunganKu v - v - v - 8 TabunganKU iB TabunganKu iB v - - v v - 9 Tabungan SimPel SimPel Savings v - v - v - 10 Laku Pandai Bankaltim Laku Pandai Bankaltim v - v - v - 11 Laku Pandai Bankaltim iB Laku Pandai Bankaltim iB v - - v v - B. PRODUK GIRO B. PRODUCT GIRO 1 Giro Rupiah Rupiah Giro v - v - v - 2 Giro Valas Foreign Currency Giro v - v - - v 3 Wadiah Wadi’ah v - v - v - 4 Giro Valas Syariah Foreign Currency Sharia v - - v - v C. PRODUK DEPOSITO C. DEPOSIT PRODUCTS 1 Deposito Rupiah Rupiah Deposit v - v - v - 2 DepositoValas Foreign Currency Deposit v - v - - v 3 Sertiikat Deposito Certificates of Deposit v - v - v - 4 Desposito on Call DOC Deposit on Call DOC v - v - v - 5 Deposito Mudharobah Mudharobah Deposit v - - v v - 6 Deposito Valas Syariah Sharia urrency deposits v - - v - v Tabel 16 Aktivitas Usaha dan Jasa Keuangan Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 126 NO NO PRODUK JASA PRODUCTS SERVICES PRODUK DANA DANA PRODUCTS PRODUK KREDIT CREDIT PRODUCTS KONVENSIONAL CONVENTIONAL SYARIAH SHARIA RUPIAH RUPIAH VALAS FOREIGN CURRENCY D. PRODUK KREDITPEMBIAYAAN D. PRODUCT CREDIT FINANCING 1 Kredit Produktif Earning credits Kredit Modal Kerja KMK Working Capital Loan KMK - v v - v - 2 Kredit Investasi KI Credit Investments KI - v v - v - Kredit Konsumsi Consumer Credit Kredit Rumah Sejahtera Prosperous Mortgage - v v - v - Kredit Kendaraan Bermotor Vehicle Loans - v v - v - Personal Loan Personal Loan - v v - v - Kredit Agunan Tunai Cash Collateral Loan - v v - v - Kredit Multi Guna Multi Function Credit - v v - v - 3 Kredit Program BPD Kaltim Credit Program BPD Kaltim Kredit Sawit Sejahtera Sawit Sejahtera Credit - v v - v - Kredit Ternak Sejahtera Ternak Sejahtera Credit - v v - v - Kredit Perikanan Sejahtera Perikanan Sejahtera Credit - v v - v - Kredit Pangan Sejahtera Pangan Sejahtera Credit - v v - v - 4 Kredit UMKM MSME loans Kredit Mikro Micro credit - v v - v - Kredit Kecil Small Loans - v v - v - Kredit Menengah Medium Credit - v v - v - Kredit Program Pemerintah Government Credit Program - v v - v - a. KPR FLPP a. KPR FLPP - v v - v - b. BAPERTARUM-PNS b. Bapertarum-PNS - v v - v - c. Dakab c. Dakab - v v - v - d. SUP 005 d. SUP 005 - v v - v - e. Kredit Usaha Rakyat e. People’s Business Credit KUR - v v - v - Kredit Linkage Program Credit Linkage Program - v v - v - 5 Pembiayaan Syariah Financing Sharia Emas Berkah Emas Berkah - v - v - v Griya Berkah Griya Berkah - v - v - v Car Berkah Car Berkah - v - v - v Pembiayaan PNSD IB Financing PNSD IB - v - v - v Pembiayaan Produktif iB Productive Financing iB - v - v - v Smile Berkah Smile Berkah - v - v - v Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 127 E. JASA E. SERVICES 1 ATM Bankaltim ATM Bankaltim v - v - v - 2 Bankaltim SMS SMS Bankaltim v - v - v - 3 BPDnet Online BPDnet Online v - v - v - 4 Bankaltim Prioritas Priority Bankaltim v - v - v - 5 Bankaltim DNA Bankaltim DNA v - v - v - 6 Bankaltim Mobile Service Bankaltim Mobile Service v - v - v - 7 Bankaltim Call Center Bankaltim Call Center v - v - v - 8 Bank Garansi Bank guarantee - v v - v - 9 BI RTGS BI RTGS v - v - v - 10 Kliring Clearing v v v - v - 11 Inkaso InkasoCollection v - v - v - 12 Letter of Credit Letter of Credit - v v - v - 13 Payment Point Payment Point v - v - v - 14 Pajak Online Online Taxes v - v - v - 15 Payroll Payroll v - v - v - 16 Referensi Bank Reference Bank - - v - v - 17 SKBDN Surat kredit Berdokumen Dalam Negeri Domestik LC SKBDN Letter of Domestic Documented Credit Domestic LC - v v - v - 18 Surat Dukungan Dana Letter of Support Funds v v v - v - 19 SDB Safe Deposite Box SDB Safe Deposit Box v - v - v - 20 Transfer Rupiah Rupiah Transfer v - v - v - 21 Transfer Valas Currency Transfer v - v - - v 22 Weekend Banking Weekend Banking v - v - v - 23 SMS Notiikasi SMS Notifications v - v - v - 24 E-Statement E -Statement v - v - v - 25 Internet Banking Internet Banking v - v - v - 26 Cash Management System Cash Management System v - v - v - NO NO PRODUK JASA PRODUCTS SERVICES PRODUK DANA DANA PRODUCTS PRODUK KREDIT CREDIT PRODUCTS KONVENSIONAL CONVENTIONAL SYARIAH SHARIA RUPIAH RUPIAH VALAS FOREIGN CURRENCY Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 128 Teknologi Informasi dan Jaringan Teknologi Informasi dan Jaringan Teknologi Informasi dan Jaringan Information Technology and Network “Hingga 2015, BPD Kaltim senantiasa konsisten menjalankan perannya seabagai agen pembangunan dengan implementasi satu jaringan kantor di seluruh kecamatan di Kalimantan Timur dan Kalimantan Utara yang telah mencapai 75 dalam realisasinya. Pengembangan jaringan ini senantiasa diimbangi dengan pengembangan teknologi yang menjadi basis penting dalam pelayanan kepada nasabah.” “Until 2015, BPD Kaltim always consisten perform their role as agents of development with the implementation of one office network in all districts in East and North Kalimantan which has reached 75 in realization. The development of the network always balanced with the development of technologies that become important bases in services to the customers.” APRIANSYAH Direktur Operasional Operational Director 131 135 Teknologi Informasi Information Technology Pengembangan Jaringan Kantor Network Development Office Teknologi Informasi dan Jaringan Information Technology and Network Pengelolaan dan pengembangan teknologi informasi dilaksanakan oleh Divisi Teknologi Informasi berdasarkan tata kelola teknologi informasi yang sesuai dengan Surat Keputusan Direksi BPD Kaltim Nomor: 061SKBPD-PSTIII2014 tanggal 21 Maret 2014 tentang Struktur Organisasi BPD Kaltim. Pengembangan teknologi informasi menjadi salah satu perhatian utama Manajemen khususnya dalam mengembangkan strategic collaborationstrategic holding dalam rangka program transformasi BPD-SI. BPD Kaltim menyadari, tanpa adanya kapabilitas yang memadai dari sisi teknologi informasi, kinerja operasional Bank juga akan terhambat. BPD Kaltim meyakini bahwa sistem teknologi informasi yang kuat dapat menjadi pondasi awal tercapainya tujuan sinergitas usaha baik secara internal maupun dalam persaingan di antara Bank-bank nasional. Dalam kegiatannya, sistem teknologi informasi dikembangkan berdasarkan prinsip-prinsip tata kelola seperti struktur IT Steering Committee dan IT Strategy Committee sebagai otoritas pembuat keputusan yang tepat dalam segala kegiatan dan pengembangan sistem teknologi informasi BPD Kaltim. Dalam hal ini, ranah teknologi informasi menjalankan fungsi intermediasi atau penghubung antara unit kerja lain dalam penerapan tata kelola teknologi informasi. Selama tahun 2015, Divisi Teknologi Informasi yang menjadi unit kerja pengelola telah mengembangan produk dan jasa maupun layanan Bank berbasis IT secara optimal. Produk dan jasalayanan tersebut antara lain: Management and development of information technologies implemented by the Information Technology Division based on information technology regulation in accordance with the Decree of the Board of Directors of BPD Kaltim Number : 061SK BPD-PSTIII2014 dated March 21, 2014 concerning Organizational Structure of BPD Kaltim. The development of information technology is one of the main concerns, especially in developing strategic management collaboration strategic holding in the framework of the transformation program of BPD-SI. BPD Kaltim realized, in the absence of adequate capabilities in terms of information technology, the performance of Bank operations will also be hampered. BPD Kaltim believes that a strong information technology systems could be the foundation of the early achievement of synergy between businesses both internally and in the competition between national banks. In its activities, the information technology system developed based on the principles of governance such as IT structure Steering Committee and IT Strategy Committee as appropriate decision making authority in all activities and the development of information technology systems BPD Kaltim. In this case, the realm of information technology run inter-mediation function or being a liaison between other work units in the application of information technology governance. During 2015, the Information Technology Division that had been into a work unit has developed products and services as well as IT-based bank services optimally. Products and services include: Teknologi Informasi Information Technology No Nama Aplikasi Application Name Keterangan Information Pengguna User 1 e-statement e-statement Aplikasi rekening Koran elektronik sebagai itur layanan kepada nasabah untuk mencetak mutasi rekening melalui email dengan media elektronik seperti smartphone, tablet, PC dan sebagainya Application of electronic bank account statements as service features to customers to print transaction history via email with an electronic device such as smartphones, tablets, PCs, etc. Kantor Cabang Konvensional Syariah Live KCU Samarinda Conventional Branch Office Syariah Live KCU Samarinda 2 Multibiller Phase II Multibiller Phase II Penambahan menu payment di ATM BPD Kaltim untuk kebutuhan pembayaran TV berlangganan dan pulsa Extra payment at the ATM menu BPD Kaltim for the payment needs TV subscription and phone’s credit Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 3 SMS Broadcast Generator Surat Kredit SMS Broadcast Generator Letter of Credit Aplikasi pembuatan surat-surat kredit yang di-generate secara otomatis oleh sistem untukpinjaman yang memiliki kolektibilitas tidak lancar Applications manufacture of the letters of credit that are generated automatically by the system untukpinjaman who have not smoothly collectibility Kantor Cabang Konvensional Conventional Branch Office 131 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM No Nama Aplikasi Application Name Keterangan Information Pengguna User 4 Notiikasi SMS Broadcast Broadcast SMS notifications Aplikasi yang dapat memberikan informasi kepada nasabah melalui SMS pada saat melakukan transaksi dengan nominal tertentu Applications that can provide information to customers via SMS when transactions with certain nominal Kantor Cabang Konvensional Syariah Live KCU Samarinda Conventional Branch Office Syariah Live KCU Samarinda 5 Mobile Banking SMS Banking OS Android Blacberry 10 Mobile Banking SMS Banking OS Android Blackberry 10 Aplikasi yang bertujuan untuk memudahkan user untuk menggunakan itur SMS Banking BPD Kaltim Application that aims to allow a user to use the features of SMS Banking BPD Kaltim Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 6 Supervisor Card Supervisor Card Aplikasi yang dapat memudahkan cabang untuk melakukan pengisian uang ke ATM dan dapat digunakan oleh pihak outsourcing Applications that can allow the branch to perform charging money to an ATM and can be used by the outsourcing Kantor Cabang Konvensional Live KCU Samarinda Conventional Branch Office Syariah Live KCU Samarinda 7 RTGS Gen II RTGS Gen II Aplikasi untuk melakukan pengiriman uang secara langsung antar rekening bank dengan format baru iso swift Applications for transferring money directly between bank accounts with new format iso swift Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 8 MPN Gen II MPN Gen II Modul Penerimaan Negara generasi ke-2 yang menggunakan kode billing untuk penyetoran penerimaan Negara oleh wajib pajak, wajib bayar atau wajib setor State Receipt Module, 2nd Generation, which uses billing codes for depositing state revenue by taxpayers, shall pay or mandatory deposit Kantor Cabang Konvensional Conventional Branch Office 9 SKN Gen II SKN Gen II Rencana Bank Indonesia melakukan implementasi Aplikasi Sistem Kliring Nasional Next Generation SKNBI-NG Bank Indonesia’s plan implementing the National Clearing System Application-Next Generation SKNBI-NG Kantor Cabang Konvensional Conventional Branch Office 10 H2H, Pembayaran PDAM, Pendidikan H2H, Payment PDAM, Education - H2H PDAM pembayaran tagihan PDAM melalui layanan ATM BPD Kaltim - H2H PDAM is PDAM’s bill payment trough ATM BPD Kaltim - H2H Pendidikan adalah pembayaran SPP dan keperluan studi lainnya melalui teller dan layanan ATM BPD Kaltim - H2H Education is SPP’s bill payment and other study purposes through teller and ATM BPD Kaltim Kantor Cabang Konvensional Syariah, PDAM yang telah live, KCU Samarinda, KC Balikpapan, KC Bontang, KC Sangatta, KC Tarakan, KC Malinau, KC Nunukan. Pendidikan yang telah live: KCU Samarinda dengan Universitas Mulawarman dan Cordova Conventional Branch Office Syariah, PDAM that had live, KCU Samarinda, KC Balikpapan, KC Bontang, KC Sangatta, KC Tarakan, KC Malinau, KC Nunukan. Education that had live : KCU Samarinda with Universitas Mulawarman and Cordova 11 SILAKBK2 Sistem Informasi Laporan Keuangan Biro Keuangan dan BPD Kaltim SILAKBK2 System Information Financial Statements Financial Bureau and BPD Kaltim Pengembangan aplikasi untuk mempercepat pelaporan surat tanda setoran Samsat di Kantor Cabang BPD Kaltim ke Biro Keuangan Pemprov Application development to speed up reporting in the Samsat certificate of deposit BPD Kaltim Branch Office to the Provincial Finance Bureau Kantor Cabang Konvensional Live KCU Samarinda Conventional Branch Office Live KCU Samarinda 12 Aplikasi BPDNet BPDNet Application Aplikasi layanan berbasis web dan mobile: - Internet Banking - Mobile Banking - CMS - Laku Pandai Web-based applications and mobile services : - Internet Banking - Mobile Banking - CMS - Laku Pandai Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 13 H2H PLN H2H PLN Pengembangan aplikasi pembayaran dan pembelian voucher PLN melalui ATM BPD Kaltim Application development for payment and purchasing PLN’s voucher through ATM BPD Kaltim Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 132 Sementara itu, terdapat pula produk dan jasa Bank serta optimalisasi berbasis IT yang sedang dikembangkan, antara lain: Meanwhile, there is also the Bank’s products and services as well as IT-based optimization that is being developed, among other things: No Nama Aplikasi Application Name Keterangan Information Pengguna User 1 Aplikasi SDB SDB Application Aplikasi untuk administrasi penyimpanan barang nasabah ke Safe Deposit Box Applications for customer goods storage admin- istration to a Safe Deposit Box Kantor Cabang Konvensional Conventional Branch Office 2 CDM CDM Pengembangan aplikasi untuk layanan setoran tunai melalui mesin CDM Development of applications for cash deposit services through CDM Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 3 Co-Branding BPR Co-Branding BPR Kerjasama BPD Kaltim dan BPR terkait penggunaan kartu ATM dan layanan ATM BPD Kaltim BPD Kaltim cooperation with BPR related to the use ATM cards and ATM services BPD Kaltim. BPR Bepede Kutai Sejahtera BPR Bepede Kutai Sejahtera 4 EDC EDC Pinpad EDC EDC Pinpad Aplikasi EDC dan perubahan PIN melalui CS, license milik BPD Kaltim, sedangkan EDC yang ada saat ini bekerjasama dengan vendor EDC application and change PIN via CS, license belonging to BPD Kaltim, while the existing EDC is currently working with the vendor Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 5 KIOSK KIOSK Transaksi non tunai melalui KIOSK Non-cash transactions through KIOSK Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 6 Aplikasi BPDNET Application BPDNET Pengembangan itur transfer Bersama dan Prima dengan jaringan yang bekerjasama dengan vendor serta pengembangan itur SKN dan RTGS Features development Transfer Bersama dan Prima with a network which in cooperation with the vendor, and the feature development of SKN and RTGS Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 7 Aplikasi BPDNet APMK Application BPDNet APMK Pengembangan aplikasi BPDNet agar itur- iturnya dapat diakses melalui mesin ATM BPD Kaltim BPDNet application development so that its fea- tures can be accessed through the ATM machine BPD Kaltim Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 8 H2H PDL Pajak Daerah Lainnya H2H PDL Other Local Tax Pengembangan aplikasi pembayaran PDL melalui teller PDAM payment application development through teller Kantor Cabang Konvensional Conventional Branch Office 9 Aplikasi Virtual Account Application Virtual Account Aplikasi yang dapat menampung dana pembukaan rekening Applications that can accommodate funds account opening Kantor Cabang Konvensional Conventional Branch Office Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 133 Selain mengembangkan produk dan jasa di atas, Divisi Teknologi Informasi BPD Kaltim juga melakukan pengembangan tools program bantu sebagai berikut: In addition to developing products and services above, the Information Technology Division BPD Kaltim also develops tools program support as follows: No NamaAplikasi Application Name Keterangan Information Pengguna User 1 Aplikasi Nasabah Prioritas Application of Priority Customers Aplikasi yang dibuat untuk melengkapi informasi dan laporan nasabahprioritas yang tidak terdapat di core banking Applications are made to complement the information and report priority customers that are not on core banking Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 2 SILAKBK2 SILAKBK2 Aplikasi untuk mempercepat pelaporan setoran ke Biro Keuangan Pemprov Applications for accelerating the reporting of deposit to the Provincial Finance Bureau Kantor Cabang Konvensional Conventional Branch Office 3 Rekonsiliasi PBB P2 Reconciliation PBB P2 Aplikasi untuk mengecek transaksi antara Dispenda dengan BPD Kaltim Applications for checking transactions between Dispenda with BPD Kaltim Kantor Cabang Konvensional Conventional Branch Office 4 Marketing Tools Marketing Tools Aplikasi yang dikembangkan dalam dua jenis platform digital untukmempermudah tim marketing memberikan informasi produk dan layanan BPD Kaltim Applications developed in two types of digital platforms to facilitate the marketing team provides information on products and services BPD Kaltim Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 5 Aplikasi Pengaduan Nasabah Application of Customer Complaints Aplikasi yang mendata complain dan masukan nasabah Applications that record complaints and customer feedback Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 6 Video Conference Wan Optimizer Video Conference Wan Optimizer Media komunikasi jarak jauh untuk tatap muka secara real time melalui media audio- visual Media remote communication to-face in real time through audio-visual media Kantor Cabang Konvensional Syariah Conventional Branch Office Syariah 7 Upload SI Upload SI Aplikasi untuk memudahkan user melakukan pemotongan gaji pegawai diluar rekening KCU Application to allow a user to cut staff salaries account outside KCU Kantor Cabang Konvensional Conventional Branch Office 8 Posisi Devisa Netto TV Position of Foreign exchange Netto TV Aplikasi Server Side yang dikembangkan dalam bentuk web Server Side Applications developed in the web form Divisi Treasury Internasional Treasury International Division Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 134 Pengembangan Jaringan Kantor Jaringan kantor BPD Kaltim per 31 Desember 2015 telah merambah seluruh KabupatenKota di Kalimantan Timur dan Kalimantan Utara. Jumlah jaringan kantor dan layanan BPD Kaltim mengalami peningkatan sebesar 16.7 yoy. Peningkatan terbesar terjadi pada jaringan kantor dan layanan syariah serta jumlah mesin Electronic Data Capture EDC untuk semakin memudahkan nasabah dan masyarakat pada umumnya dalam bertransaksi Network Development Oice BPD Kaltim office networks since December 31, 2015 has penetrated all regencies cities in East Kalimantan and North Kalimnatan. Total network of offices and service BPD Kaltim increased by 16.7 yoy. The largest increase occurred in the office network and Islamic services and the number of Electronic Data Capture EDC to further facilitate customers and the general public in the transaction. No Status Kantor Jumlah 2015 Amount 2015 Oice Status 1 Kantor Pusat Non Operasional 1 Non-Operational Headquarters 2 Kantor Cabang Dalam Negeri 15 Branch Offices Domestic 3 Kantor Cabang Pembantu Dalam Negeri 71 Sub Branch Office Domestic 4 Kantor Kas 72 Cash office 5 Payment Point 29 Payment Point 6 Kas KelilingKas MobilKas Terapung 13 Roving Cash Cash Car KasTerapung 7 ATMADM 296 ATMADM 8 Kantor Cabang Dalam Negeri Syariah 2 Branch Offices Domestic Syariah 9 Kantor Cabang Pembantu Dalam Negeri Syariah 14 Sub Branch Office Domestic Syariah 10 Kantor Kas Syariah 2 Syariah Cash Unit 11 Payment Point Syariah 10 Payment Point Syariah 12 Kas KelilingKas MobilKas Terapung Syariah 1 Roving Cash Cash Car Kas Terapung Syariah 13 Layanan Syariah di KCKCP Konvensional 26 Syariah Services KCKCP Conventional 14 EDC 468 EDC Total 1020 No Nama Kantor Oice Name Kabupaten Kota Distric Jenis Kantor Oice Type Tanggal Peresmian Inauguration Date Kantor Cabang Pembantu | Branch office 1 Batu Putih Tanjung Redeb Konvensional | Conventional 10 September 2015 | September 10, 2015 2 Melak Melak Konvensional | Conventional 12 Juni 2015 | June 12, 2015 Kantor Kas | Cash office 1 Gatot Subroto Samarinda Konvensional | Conventional 8 Juli 2015 | July 8, 2015 2 Bengkuring Samarinda Konvensional | Conventional 8 Juli 2015 | July 8, 2015 3 Kantor Gubernur Provinsi Kaltim Samarinda Konvensional | Conventional 7 Januari 2015 | January 7, 2015 4 Paser Belengkong Tana Paser Konvensional | Conventional 3 Agustus 2015 | August 3, 2015 Pembukaan Jaringan Kantor Selama 2015 Network Office Opening in 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 135 5 Dispenda Balikpapan Konvensional Conventional 7 Desember 2015 December 7, 2015 6 Kampung Empat Tarakan Konvensional Conventional 16 Desember 2015 December 16, 2015 7 Tanjung Buyu Perkasa Tanjung Redeb Konvensional Conventional 6 Agustus 2015 August 6, 2015 8 Biduk-Biduk Tanjung Redeb Konvensional Conventional 6 Agustus 2015 August 6, 2015 9 Aji Kuning Nunukan Konvensional Conventional 24 November 2015 November 24, 2015 10 Bukit Pelangi Sangatta Konvensional Conventional 1 Desember 2015 December 1, 2015 11 RSUD Sangatta Sangatta Konvensional Conventional 1 Desember 2015 December 1, 2015 12 Long Apari Melak Konvensional Conventional 4 Agustus 2015 August 4, 2015 13 Sembakung Malinau Konvensional Conventional 3 Agustus 2015 August 3, 2015 14 Gersik Penajam Konvensional Conventional 10 Desember 2015 December 10, 2015 Payment Point | Payment Point 1 RSUD Tarakan Tarakan Konvensional Conventional 12 Juli 2015 July 12, 2015 2 Dispenda Sangatta Konvensional Conventional 1 Desember 2015 December 1, 2015 Layanan Bergerak | Moving service 1 Mobile Services Syariah Cabang Syariah Samarinda Syariah Sharia 1 Juni 2015 June 1, 2015 No Nama Kantor | Oice Name Kabupaten Kota | Distric Jenis Kantor Oice Type Tanggal Peresmian Inauguration Date Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 136 Syariah Human Capital Sharia Human Capital Syariah Human Capital Sharia Human Capital APRIANSYAH Direktur Umum General Affairs Director “Implementasi pemenuhan jabatan disusun dan dilaksanakan sesuai dengan Kamus Kompetensi yang dimiliki BPD Kaltim untuk menyiapkan kader masa mendatang yang sesuai kompetensi. Hal ini menjadi fokus Human Capital guna menghadapi tantangan di tahun- tahun mendatang. Sementara spin off Syariah menjadi salah satu misi yang mulai dipersiapkan di tahun 2015 untuk dapat direalisasikan dalam menyongsong persaingan usaha yang lebih kompetitif.” “Implementation of the position fulfillment isformulated and implemented in accordance with the Competency Dictionary which is owned by BPD Kaltim, to prepare future cadre according to its competence. It became Human Capital focus in order to face the challenges in the coming years. While Sharia spin off being a mission that began prepared in 2015 to be realized in facing more competitive competition.” HAIRUZZAMAN Direktur Syariah dan Human Capital Director of Sharia And Human Capital 139 139 140 144 148 148 159 Syariah Sharia Kinerja BPD Kaltim Unit Usaha Syariah Performance of BPD Kaltim Sharia Business Unit Perkembangan Kantor dan Layanan Perbankan Unit Usaha Syariah Office Development and Sharia Business Unit Banking Services Pengelolaan Human Capital Human Capital Management Assessment Assessment Pendidikan Dan Pelatihan Education and Training Program Riset Budaya Perusahaan Corporate Culture Research Program Syariah Transaksi keuangan berbasis ikih Islam syariah mengalami pertumbuhan dari tahun ke tahun. Dalam satu dekade terakhir, pertumbuhan yang dicatat mencapai 10-12 per tahun. Secara umum perkembangannya terkonsentrasi di Timur Tengah dan Asia meskipun terdapat perkembangan pasar baru yang lebih luas selain negara mayoritas Muslim seperti United Kingdom UK, Luksemburg, Afrika Selatan dan Hong Kong. Perkembangan ini sangat erat kaitannya dengan perhatian pemerintah negara yang semakin melihat prospek keuangan syariah sangat menjanjikan, termasuk Indonesia. Dampak krisis yang masih menyelimuti dunia turut memberikan imbas bagi keuangan syariah khususnya dunia perbankan yang mengalami perlambatan menjadi 9 pada triwulan III 2015. Mengingat pangsa pasar perbankan syariah di Indonesia selama 2015 hanya sebesar 4.61, maka pangsa ini belum dapat memberikan sumbangsih optimal bagi Indonesia. Meskipun demikian, share Unit Usaha Syariah UUS BPD Kaltim per Desember 2015 terhadap perbankan syariah di Kalimantan Timur mengalami kenaikan dari tahun sebelumnya. Tercatat share asset BPD Kaltim terhadap perbankan syariah Kalimantan Timur mencapai 21.38 dari tahun sebelumnya 17.17. Demikian pula dengan share pembiayaan yang sebesar 16.57. Hal ini menunjukkan eksistensi UUS BPD Kaltim yang masih kuat dalam industri perbankan syariah khususnya di Kalimantan Timur sejak kehadirannya pada 27 Desember 2006. Kinerja BPD Kaltim Unit Usaha Syariah Indikator-indikator kinerja BPD Kaltim Unit Usaha Syariah secara umum menunjukkan pertumbuhan positif di tahun 2015. Meskipun belum mencapai Rencana Bisnis yang telah ditetapkan. Asset BPD Kaltim Syariah mengalami kenaikan 15.98 yoy. Meskipun demikian, nilai tersebut belum mencapai target tahun 2015 yang disebabkan belum maksimalnya penyaluran pembiayaan dikarenakan adanya pembatasan ekspansi pembiayaan produktif. Untuk itu, strategi peningkatan pembiayaan konsumtif dengan berdasar pada prinsip kehati- hatian. Sharia Financial transactions based Islamic jurisprudence sharia has grown from year to year. In the last decade, the growth reached 10-12 per year. In general, development is concentrated in the Middle East and Asia despite the development of new markets wider apart from Muslim-majority countries such as the United Kingdom UK, Luxembourg, South Africa and Hong Kong.This development is closely associated with the state government’s attention increasingly see Islamic financial prospects are very promising, including Indonesia. The impact of the crisis still enveloped the world and has an impact on Islamic finance, in particular the banking world which slowed to 9 in the third quarter of 2015. Considering the market share of Islamic banking in Indonesia during 2015 only amounted to 4.61, then this share has not been able to contribute optimally to Indonesia. Nevertheless, the share of Sharia Business Unit UUS BPD Kaltim per December 2015 against the Islamic banking in East Kalimantan has increased from the previous year. Recorded asset share of BPD Kaltim to the East Kalimantan Islamic Banking reached 21.38 from the previous year which is 17.17. Similarly, the share of financing amounted to 16.57. This indicates the existence of BPD Kaltim UUS which is still strong in the Islamic banking industry, especially in East Kalimantan since its presence on December 27, 2006. Performance of BPD Kaltim Sharia Business Unit Performance indicators of BPD Kaltim Sharia Business Unit in general show positive growth in 2015. Although, it is not yet reached the Business Plan that has been set. BPD Kaltim Sharia assets increased 15.98 yoy. Nevertheless, the value has not reached the target in 2015 caused by maximal distribution of funding were not maximal due to the restrictions on the expansion of productive financing. Therefore, the strategy of increasing consumer financing based on the principles of prudence. Syariah Human Capital Sharia Human Capital 139 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM Sementara itu, pencapaian laba yang menurun di tahun 2015 lebih disebabkan oleh besarnya biaya penyusutan aktiva ijarah yang telah jatuh tempo. Kondisi ini terjadi tidak dapat dilepaskan dengan kondisi ekonomi yang belum menunjukkan performa membaik di tahun 2015 serta tekanan dalam negeri, khususnya di wilayah Kalimantan Timur dan Kalimantan Utara yang juga mengalami perlambatan ekonomi. Sektor pembiayaan terbesar Unit Usaha Syariah adalah pada Perantara Keuangan dengan besar 43.71 serta sektor Rumah Tangga sebesar 35.52. Sementara untuk sektor pertambangan dan penggalian tidak dieksplor oleh usaha syariah BPD Kaltim terkait beberapa ketentuan. Meanwhile, the achievement of profit decline in 2015 caused more by the cost of depreciation of Ijarah activa that have been mature. This condition occur inseparable from the economic conditions that have not shown improved performance in 2015 as well as domestic pressure, particularly in the North Kalimantan and East Kalimantan which are also experiencing an economic slowdown. The biggest funding sector of Sharia Business Unit is on the Financial Intermediary by 43.71 and Household sector which is amounted 35.52. As for the mining and quarrying sector was not explored by BPD Kaltim sharia related to provisions. No Indikator Kinerja Performance Indicators 2014 2015 Kenaikan Penurunan Increase Decrease 1 Total Aset Total Asset Rp1,191,602 Rp1,382,058 15.98 Giro Giro Rp98,160 Rp108,441 10.47 2 DPK DPK Tabungan Savings Rp412,276 Rp429,056 4.07 Deposito Deposit Rp273,001 Rp435,662 59.58 3 Pembiayaan Financing Rp849,142 Rp882,287 3.90 4 Laba Profit Rp15,165 Rp11,420 -24.70 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 140 Dari akumulasi pembiayaan tahun 2015, jenis pembiayaan konsumtif sebesar 47.61 sementara 53.39 sisanya merupakan pembiayaan produktif. Sementara itu, 97.79 di antara pembiayaan produktif berbentuk modal kerja sementara sisanya merupakan pembiayaan investasi. Pada tahun 2016, pembiayaan akan melakukan penetrasi lebih besar pada sektor konsumtif kepada PNS dan PNSD sembari meningkatkan lagi peneterasi pembiayaan UMKM dan dukungan modal kerja bagi proyek- proyek pemerintah. Perkembangan Kantor dan Layanan Perbankan Unit Usaha Syariah Hingga penghujung 2015, UUS BPD Kaltim memiliki 2 dua kantor cabang, yaitu Samarinda dan Balikpapan. Di bawah Kantor Cabang Syariah Samarinda terdapat 9 Sembilan Kantor Cabang Pembantu Syariah yang telah beroperasi. Sementara di bawah Kantor Cabang Syariah Balikpapan terdapat 5 lima buah Kantor Cabang Pembantu Syariah yang telah beroperasi. Lebih lanjut, UUS BPD Kaltim juga memiliki 2 dua buah Kantor Kas Syariah yaitu Kantor Kas YPI Yayasan Pendidikan Islam dan Kantor Kas Mall Plaza Mulia Samarinda, seiring dengan peningkatan payment point menjadi sebanyak 9 buah di tahun 2015. Selain jaringan tersebut, BPD Kaltim Syariah juga memberikan layanan Syariah office channeling di beberapa kantor cabang dan cabang pembantu BPD Kaltim konvensional. From the accumulation of financing in 2015, the type of consumer financing amounted to 47.61, while the remaining 53.39 is productive financing. Meanwhile, 97.79 of the productive financing is in the form of working capital while the rest is investment financing. In 2016, the financing sector will make greater penetration in the consumer sector to civil servants and regional civil servant while increasing the penetration to SME financing and working capital support for government projects. Office Development and Sharia Business Unit Banking Services Until the end of 2015, UUS BPD Kaltim has two 2 branches, namely Samarinda and Balikpapan. Under Sharia Branch Office Samarinda there are 9 nine Sharia Auxiliary Branch Office has been operating. While under the Branch Office Balikpapan there are five 5 Sharia Auxiliary Branch Office has been operating. Furthermore, UUS BPD Kaltim also has two 2 pieces of Sharia Cash Unit, namely, YPI Cash Office Islamic Education Foundation and Cash Office Mall Plaza Mulia Samarinda, along with an increase in payment points were 9 units in 2015. In addition to that network, BPD Kaltim Sharia also provides Sharia services office channeling in several conventional branches and sub- branches of BPD Kaltim. No Kantor Cabang Pembantu Syariah Sharia Auxiliary Branch Oice 1 Wilayah Cabang Syariah Samarinda Territory Branch of Sharia Samarinda 1 KCPS Harapan Baru Kota Samarinda 2 KCPS Juanda Kota Samarinda 3 KCPS Loa Bakung Kota Samarinda 4 KCPS Sempaja Kota Samarinda 5 KCPS Dr. Soetomo Kota Samarinda 6 KCPS Suryanata Kota Samarinda 7 KCPS Tanjung Redeb Kabupaten Berau 8 KCPS Tenggarong Kabupaten Kutai Kartanegara 9 KCPS Tarakan Kota Tarakan 2 Wilayah Cabang Syariah Balikpapan Territory Branch of Sharia Balikpapan 1 KCPS Kebun Sayur Kota Balikpapan 2 KCPS Sepinggan Kota Balikpapan 3 KCPS Tanah Grogot Kabupaten Paser 4 KCPS Batu Ampar Kota Balikpapan 5 KCPS A. Yani Kota Balikpapan Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 141 Dalam rangka menyediakan produk-produk dan jasa perbankan syariah yang sesuai dengan keinginan pasar, UUS BPD Kaltim didukung oleh Sumber Daya Insani yang memiliki komitmen untuk meningkatkan perekonomian masyarakat melalui sistem yang sesuai syariah. Adapun strategi yang dilakukan antara lain berupa pengembangan SDI dengan memberikan pelatihan untuk meningkatkan kualitas pelayanan, kemampuan dan motivasi kerja, dedikasi dan komitmen sehingga dapat memenuhi kompetensi yang dibutuhkan. In order to provide the products and services of sharia banking in accordance with the wishes of the market, UUS BPD Kaltim supported by Human Resources which is committed to improving the community’s economy through the system in accordance with sharia. The strategies such as HR development by providing training to improve service quality, ability and motivation, dedication and commitment so that it could meet the required competencies. No Jenis Pelatihan Type of Training Lokasi Location Tanggal Pelaksanaan Implementation date Jumlah Peserta Number of participants 1 Workshop Aplikasi Muqashid Syariah pada Perbankan Syariah Workshop of Muqashid Sharia Application in Islamic Banking Jakarta 4-6 Februari 2015 February 4-6, 2015 1 2 Training, Pra-UAT UAT Interface RTGS Generasi II Training, Pra-UAT UAT Interface RTGS, II nd Generation Jakarta 15-18 Januari 2015 January 15-18, 2015 2 3 Training for Trainer Training for Trainer Surabaya 2-5 Maret 2015 March 2-5, 2015 2 4 Accounting of Islamic Bank Accounting of Islamic Bank Jakarta 16-19 Maret 2015 March 16-19, 2015 2 5 Workshop Eksekutif Kupas Tuntas Ijarah Muntahiyah Bit Tamlik IMBT dari Fiqih hingga Aplikasinya Executive Workshop Completed Ijarah Muntahiyah Bittamlik IMBT of Fiqh to Application Jakarta 19-20 Maret 2015 March 19-20, 2015 1 6 Sosialisasi Persiapan Industrial Test SKNBI Generasi II Preparation socialization of Industrial Test SKNBI, IInd Generation Jakarta 23 Maret 2015 March 23, 2015 1 7 Workshop Eksekutif Pembiayaan Bermasalah pada Bank Syariah Executive Workshop on Bank Sharia Non Performing Finance Jakarta 27-28 Maret 2015 March 27-28, 2015 1 Perkembangan Sumber Daya Insani Organik dan Non Organik BPD Kaltim Syariah The development of Organic and Non-Organic Human Resources of BPD Kaltim Sharia 160 140 120 100 80 60 40 20 UUS Sharia Office KCPS Sharia Sub Branch Office Outsourcing Outsourcing Kacab. Syariah Sharia Branch Office KK. Syariah Sharia Cash Office 2011 2012 2013 2014 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 142 Strategi pengembangan lainnya antara lain berupa rotasi dan mutasi tenaga kerja yang dilaksanakan secara strategis sesuai dengan kebutuhan job description yang membutuhkan baik di UUS, Kantor Cabang maupun jaringan kantor lainnya. No Jenis Pelatihan Type of Training Lokasi Location Tanggal Pelaksanaan Implementation date Jumlah Peserta Number of participants 8 Penjelasan Kembali Refreshment Sistem BI-RTGSBI- Explanation Refreshment BI-RTGSBI- System Jakarta 30 Maret - 1 April 2015 March 30 – April 1, 2015 2 9 Pokok-pokok Pengaturan dan Evaluasi Industrial Tes Sistem Principles of Regulation and Evaluation of Industrial Test Systems Jakarta 16-Apr-15 April 16, 15 2 10 Kliring Nasional Bank Indonesia SKNI Generasi II Bank Indonesia National Clearing SKNI, IInd Generation Jakarta 26-27 Mei 2015 May 26-27, 2015 2 11 Over Pembiayaan Syariah Bagi Pegawai BPD Kaltim Over Sharia Financing For Employees of BPD Kaltim Samarinda 8-10 Juni 2015 June 8-10, 2015 6 12 Pelatihan Penggunaan Aplikasi Sistem BI RTGSBI-SSSS Generasi II dan BI-ETP Training of Application BI RTGSBI-SSSS IInd Generation and BI-ETP Jakarta 8-10 Juli 2015 July 8-10, 2015 2 13 Workshop Project Financing: Analysis, Risk Mitigation, Evaluation Decision Making Workshop “Project Financing: Analysis, Risk Mitigation, Evaluation Decision Making” Jakarta 5-6 Agustus 2015 August 5-6, 2015 1 14 Pelatihan Guest Bank Sistem BI-RTGSBI-SSSS Generasi II Training of Guest Bank System BI-RTGSBI-SSSS Generation II Pontianak 6-7 Agustus 2015 August 6-7, 2015 2 15 Workshop Pembahasan Komprehensif Rencana Bisnis Bank: Tahapan Penyusunan, Evaluasi dan Revisi sebagai Upaya Mewujudkan Perencanaan Strategis Bank Workshop Discussion of Comprehensive Business Plan: Stages of preparation, evaluation and revision as an Effort to Realize Strategic Planning Bank Jakarta 19-20 Agustus 2015 August 19-20, 2015 2 16 Rencana Implementasi Sistem Kliring Nasional Bank Indonesia SKNBI Tahap II Modul Miltiple Implementation Plan for the National Clearing System of Bank Indonesia SKNBI Phase II Modul Miltiple Jakarta 3-Sep-15 September 3, 15 2 17 Workshop Strategic Planning dan Transformasi BPD Workshop Strategic Planning and Transformation of BPD Jakarta 10-11 September 2015 September 10-11, 2015 1 18 In House Training Program Pemeliharaan Sertiikasi Manajemen Risiko In House Training Program, Maintenance of Risk Management Certification Samarinda 14 September 2015 September 14, 2015 1 19 Three Critical Points in Impairment CKPS Method: Strategi Menurunkan CKPN Three Critical Points in Impairment CKPS Method: Lowering strategies CKPN Jakarta 15-Sep-15 September 15, 15 1 20 Workshop Ekonomi 2016 dan Implikasinya Terhadap Penyusunan Rencana Bisnis Bank Economic Workshop in 2016 and Its Implication Bank Business Plan Surabaya 7-8 Oktober 2015 October 7-8, 2015 1 21 Sosialisasi Pokok-pokok Pengaturan Tentang Sistem BI-RTGS, BI-SSSS dan Sistem BI-ETP Socialization Principles Settings About BI-RTGS, BI-SSSS and BI-ETP System Jakarta 12-13 Oktober 2015 October 12-13, 2015 3 22 Sosialisasi Penggunaan Aplikasi Asuransi PT. Asuransi Bangun Askrida Socialization Insurance Application at PT. Asuransi Bangun Askrida Samarinda 19 Oktober 2015 October 19, 2015 1 23 Sosialisasi Business Continuity Plan BCP Sistem BI-RTGS, BI-SSSS dan BI-ETP Socialization of Business Continuity Plan BCP BI-RTGS, BI-SSSS and BI-ETP System Jakarta 4-Nov-15 November 4, 15 2 24 Seminar Perbankan Syariah dan Rapat Kerja Program Transformasi BPD - Workstream Syariah Seminar on Islamic Banking and Work Meeting BPD Transformation Program - Workstream Sharia Aceh 7-8 Desember 2015 December 7-8, 2015 1 Other development strategy such as workforce rotation and mutation strategically implemented in accordance with the needs of the job description both in Sharia Business Unit, Branch Office, or other office network. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 143 Dalam pelaksanaan pengembangan Human Capital, BPD Kaltim mengimplementasikan strategi Blue Print Sumber Daya Manusia tahun 2015–2019 yang juga merupakan program kerja Direktur Syariah Human Capital. Pengembangan Human Capital atau Sumber Daya Manusia diharapkan kedepan akan dapat menyasar keseluruhan lini baik level yang paling bawah Staf sampai dengan Pejabat Eksekutif. Pengembangan yang merata tersebut akan berdampak positif bagi pelaksanaan pengembangan karir pegawai dan mendukung program tujuan bisnis bank secara korporasi. In the implementation of Human Capital development, BPD Kaltim implement Blue Print strategies of Human Resources in 2015-2019 which is also a Sharia and Human Capital Director work program. Human Capital or Human Resources Development is expected in the future will be able to target either the entire line of the lowest level Staff up to the Executive Officer. The equitable development that will positively impact the implementation of employee career development and support program bank business objectives as corporation. Human Capital Pengelolaan Human Capital Human Capital Management Restrukturisasi Organisasi BPD Kaltim melalui Surat Keputusan Direksi nomor: 061SKBPD-PSTIII2014 tanggal 21 Maret 2014 dan Action Plan pemenuhan jabatan akan dilaksanakan pada tahun 2014–2015 merupakan milestone penting dalam rangka pengembangan sumber daya manusia BPD Kaltim. Hal ini menghasilkan banyak pembaruan dalam hal ketentuan maupun program untuk meningkatkan kuantitas dan kualitas sumber daya manusia dalam usaha mencapai visi Bank yang setara dengan Bank Nasional. Organizational Restructuring of BPD Kaltim through Directors’ Decree number: 061 SK BPD-PST III 2014 dated March 21, 2014 and the Action Plan fulfillment of office shall be carried out in 2014-2015, is an important milestone in the development of human resources of BPD Kaltim. This results many innovations in terms of either provisions or programs to improve the quantity and quality of human resources in order to achieve the vision of the Bank which is equivalent to the National Bank. Perkembangan Jumlah Pegawai Growth in the Number of Employees 2000 1000 2011 2013 2015 2012 2014 1177 1459 1693 1875 1908 Unit Kerja Grand Total Work Unit Kantor Pusat 356 Headquarters Cabang Utama Samarinda 255 Main Branch Samarinda Cabang Balikpapan 153 Branch of Balikpapan Cabang Jakarta 37 Branch of Jakarta Cabang Tana Paser 92 Branch of Tana Paser Cabang Tenggarong 131 Branch of Tenggarong Cabang Tarakan 71 Branch of Tarakan Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 144 Unit Kerja Grand Total Work Unit Cabang Tanjung Redeb 91 Branch of Tanjung Redeb Cabang Tanjung Selor 66 Branch of Tanjung Selor Cabang Bontang 69 Branch of Bontang Cabang Syariah Smd 120 Branch of Sharia Smd Cabang Sangatta 90 Branch of Sangatta Cabang Nunukan 69 Branch of Nunukan Cabang Malinau 69 Branch of Malinau Cabang Sendawar 82 Branch of Sendawar Cabang Penajam 65 Branch of Penajam Cabang Tideng Pale 36 Branch of Tideng Pale Cabang Syariah Balikpapan 56 Branch of Sharia Balikpapan Grand Total 1908 Grand Total Pegawai Berdasarkan Jenis Kelamin Tahun 2015 Employees Based on Gender in 2015 48 52 Laki-laki | Male Perempuan | Female Pegawai Berdasarkan Pendidikan Tahun 2015 Employees Based on Education in 2015 66.5 20.5 0.2 0.2 1.0 0.1 4.9 7.2 SLTA S1 D1 S2 D3 S3 D4 Lainnya | Other Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 145 Dilihat dari usia, pegawai BPD Kaltim didominasi oleh usia muda antara 26 s.d 35 tahun dengan total presentase 53.46 dimana 28.30 di antaranya adalah laki-laki dan 25.16 perempuan. Komposisi ini baik perbandingan antara laki-laki dan perempuan serta jumlah pegawai sesuai retang usia pada dasarnya tidak berbeda jauh dengan komposisi pada tahun 2014. Sebagai penggerak utama BPD Kaltim, sumber daya manusia menjadi elemen penting terutama karena BPD Kaltim diisi oleh orang-orang muda yang memiliki kreatiitas dan semangat juang tinggi untuk membesarkan Bank ini, hal itu tercermin dari komposisi pegawai yang didominasi usia muda dan penuh semangat. Judging from age, employees of BPD Kaltim dominated by young age between 26 to 35 years old with total percentage of 53.46, whereas 28.30 of them were male and 25.16 were female. It’s a good composition comparison between men and women and employees number in conformity of range of age is basically not much different from the composition in 2014. As prime mover of BPD Kaltim, human resources becomes an important element especially because BPD Kaltim was filled by young people who have the creativity and high morale to raise the Bank rate, that is reflected in the composition of employees that predominantly by young and energetic people. Pegawai Berdasarkan Usia Employees Based on Age Komposisi Persentase Pegawai Berdasarkan Usia dan Jenis Kelamin Composition of Employees Percentage Based on Age and Gender 14.36 53.46 22.59 0.47 9.12 19-25 56-68 26-35 36-45 46-55 19-25 26-35 36-45 46-55 56-68 0.37 6.71 9.96 28.30 15.78 6.81 Laki-laki | Male Perempuan | Fimale Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 146 Atas perubahan Struktur Organisasi tersebut, BPD Kaltim telah menindaklanjuti dengan menerbitkan Surat Keputusan Direksi nomor 227SKBPD-PST XI2015 tanggal 02 Nopember 2015 yang berisi tentang penempatan pegawai pada formasi pegawai sesuai Struktur Organisasi baru. Berdasarkan Formasi yang telah disusun tersebut, masih terdapat beberapa. Perhitungan kebutuhan pegawai akan dilakukan dengan beberapa metode untuk mempertimbangkan perlu tidaknya penambahan pegawai antara lain: a. Disusun dalam Blueprint HC yang disampaikan oleh Direktur Syariah Human Capital kepada Otoritas Jasa Keuangan OJT bahwa pemenuhan kebutuhan pegawai dapat dihitung dengan metode perhitungan EPE Earning Per Employee pencapaian laba per pegawai ataupun APE Asset Per Employee pencapaian asset per pegawai. b. Metode Work Load Analysis yaitu perhitungan kebutuhan pegawai berdasarkan Beban Pekerjaan masing – masing unit c. Analisa Formasi Pegawai d. Rencana Bisnis BPD Kaltim tahun Kebutuhan Pegawai BPD Kaltim pada tahun 2016 mendatang akan diprioritaskan untuk mengisi jabatan struktural yang masih kosong, pembukaan jaringan operasional baru dan penggantian pegawai yang berhenti dari kedinasan Pensiun, Meninggal Dunia, Mengundurkan Diri dan Pemberhentian Lainnya. Upon a change in the Organizational Structure, BPD Kaltim has followed up with the issued of Board of Directors decree number 227 SK BPD-PST XI 2015 dated November 02, 2015, which contains about staffing employee on employee formation that appropriate with New Organization structure. Based on the formation that had been developed, there are still some calculation of employee needs to be done with some methods to consider the necessity of additional staff, among others : a. Compiled in HC Blueprint delivered by Sharia Director of Human Capital to the Financial Services Authority OJK that meet the needs of employees can be calculated by the method of calculation of EPE Earning Per Employee achievement of earnings per employee or APE Assets Per Employee achievements assets per employee b. Workload Analysis is calculation method about needs of employees based on Employment Expenses of each unit. c. Analysis of Employee Formation d. BPD Kaltim Business Plan of the year BPD Kaltim employee needs in 2016 will be given priority due to fill the structural positions which are still vacant, the opening of new operational network and replacement of employees who quit from the service pension, Death, Resignation and Other Dismissal. Pegawai Berdasarkan Status Kepegawaian Tahun 2015 Employees Based on Employment Status in 2015 Pengurus | Management Kontrak | Contract Tetap | Permanent Trainee | Trainee 9.6 31.2 58.5 0.7 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 147 Assessment Assesment Center dilaksanakan untuk mencari kandidat untuk dipromosikan ke Jabatan Struktural maupun Jabatan Profesional. Assesment yang dilakukan antara lain: - Assesment Center Calon Pejabat Eselon IV untuk mencari kandidat Koordinator Pemimpin Kantor Kas atau Penyelia maupun Jabatan Profesional yang setara; - Assesment Center Calon Pejabat Eselon III untuk mencari kandidat Pemimpin Bidang maupun Jabatan Profesional yang setara; - Assesment Center Calon Pejabat Eselon II untuk mencari kandidat Pemimpin Cabang atau maupun Pemimpin Departemen; - Assesment Center Calon Pejabat Eselon I untuk mencari kandidat Pemimpin Divisi atau Pemimpin Wilayah. Assesment Center yang dilakukan telah disesuaikan dengan Kebutuhan Kompetensi Jabatan yang telah dirumuskan berdasarkan Kamus Kompetensi yang dimiliki oleh BPD Kaltim. Kompetensi yang dapat diukur adalah Kompetensi Inti dan Kompetensi Pendukung. Untuk Kompetensi Bidang dapat diukur dari pelatihan yang telah diterima maupun sertiikasi yang diikuti. Pendidikan Dan Pelatihan Seperti tahun-tahun sebelumnya, pada tahun 2015, BPD Kaltim melalui Divisi Human Capital memberikan perhatian besar pada peningkatan kapabilitas dan kualitas sumber daya manusia dengan penyediaan kesempatan pendidikan dan pelatihan yang integratf di berbagai aspek bisnis Bank. Tidak hanya dalam wilayah operasional, namun juga supporting yang menjadi rotor penggerak kinerja Bank. Pendidikan dan pelatihan yang dilaksanakan secara umum terbagi dalam dua jenis yaitu public training dan in house training, dengan fokus bidang sebagai berikut: 1. Pelatihan Bidang Teknologi Informasi 2. Pelatihan Bidang Kredit 3. Pelatihan Sumber Daya Manusia dan Umum 4. Pelatihan Treasury 5. Pelatihan manajemen risiko dan kepatuhan 6. Pelatihan audit Assessment Assesment Center conducted to find a candidate to be promoted to the Professional Structural Position and Position. Assesment conducted, among others : - Assesment Center Echelon IV Candidates to search Coordinator candidates Cash Office’s Leaders or Supervisor or Professionals Position which is equal; - Assesment Center Echelon III Candidates to search candidates for Sector Manager or Professionals Position which is equal; - Assesment Center Echelon II Candidates to search candidates for Branch Manager or Head of Department; - Assesment Center Echelon I Candidates to search candidates for Division Manager or Regional Manager. Assessment Center conducted has adapted with Position Competency Requirements that have been formulated based on the competencies dictionaries owned by BPD Kaltim. Competencies that can be measured is the core competence and supporting competence. For Sectoral Competency can be measured from the training and certification that has been received. Education and Training As in previous years, in 2015, BPD Kaltim through the Division of Human Capital pays great attention on improving the capabilities and quality of human resources by providing education and training opportunities that are integrative in various aspects of the Bank’s business. Not only in the operational areas, but also supporting area that being the rotor that drive Bank’s performance. Education and training that conducted generally divided into two types namely public training and in- house training, with a focus on the following areas: 1. Training of Information technology 2. Training of Credit 3. Training of Human Resources and General Affair 4. Training of Treasury 5. Training of Risk Management and Compliance 6. Training of Audit Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 148 7. Pelatihan perencanaan 8. Orientasi internal bagi pegawai kontrak administrasi baru 7. Training of Planning 8. Internal orientation for new honorary administrative employees. No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation date Peserta Participant 1 IHT Pemrograman Web Berbasis PHP IHT, PHP-based Web Programming BPD Kaltim 20-23 Januari 2015 January 20-23, 2015 25 2 Sosialisasi Penggunaan Aplikasi CKPN Individual Penggolongan Sandi Core Banking di Lingkungan BPD Kaltim Socialization of Individual CKPN Application Usage Classification of Core Password of Banking in BPD Kaltim Environment BPD Kaltim 26 Januari - 27 Maret 2015 January 26 - March 27, 2015 41 3 IHT Pembekalan Internal Bagi Penyelia Layanan Nasabah,Pemimpin Kantor Kas Koordinator BPD Kaltim IHT, Internal debriefing For Customer Service Supervisor, Manager of Cash Office BPD Kaltim Coordinator BPD Kaltim 16-18 Februari 2015 February 16-18, 2015 20 4 Sosialisasi APU PPT, Peraturan Perusahaan, dan pelayanan Bagi Pegawai BPD Kaltim Cab Tana Paser Socialization of APU PPT,Company regulations, and services For BPD Kaltim Employees Branch of Tana Paser BPD Kaltim 22 Februari 2015 February 22, 2015 84 5 Sosialisasi APU PPT, Peraturan Perusahaan, dan pelayanan Bagi Pegawai BPD Kaltim Cab Bontang Socialization APU PPT,Company regulations, and services For BPD Kaltim Employees Branch of Bontang BPD Kaltim 28 Februari 2015 February 28, 2015 68 6 Sosialisasi APU PPT, Peraturan Perusahaan, dan pelayanan Bagi Pegawai BPD kaltim Cab Sangatta Socialization APU PPT,Company regulations, and services For BPD Kaltim Employees Branch of Sangatta BPD Kaltim 28 Februari 2015 February 28, 2015 87 7 Sosialisasi Peraturan Perusahaan, dan pelayanan Bagi Pegawai BPD Kaltim Cab Balikpapan Socialization Company Regulations, and services For BPD Kaltim Employees Branch of Balikpapan BPD Kaltim 07 Maret 2015 March 7, 2015 140 8 Sosialisasi APU PPT, Peraturan Perusahaan, dan pelayanan Bagi Pegawai BPD Kaltim Cab Nunukan Socialization APU PPT,Company regulations, and services For BPD Kaltim Employees Branch of Nunukan BPD Kaltim 23 Februari 2015 February 23, 2015 65 9 Refreshment Etika Pelayanan Prima Bagi Pegawai BPD Kaltim Refreshment Excellent Service Ethics For BPD Kaltim Employees BPD Kaltim 21 Februari 2015 Februari 21, 2015 243 10 Sosialisasi Struktur Organisasi, Uraian Jabatan, Penyempurnaan SOP Sistem Kepangkatan, Penggajian, Penyempurnaan Jalinan Kepangkatan, Jabatan Pegawai Perubahan Tabel Penggajian Pegawai BPD Kaltim Socialization of Organizational Structure, Position Description, SOP Improvement of System Ranks, Payroll, Interwoven Completion of Ranks, Position of Employee and BPD Kaltim Employee Payroll Changes Table BPD Kaltim 06 Maret 2015 March 6, 2015 140 11 Workshop Penyusunan BluePrint Human Capital BPD Kaltim Tahap 1 Workshop on BPD Kaltim Human Capital Blue Print Formulation Phase 1 PT. Leadership Nasional 16 Maret 2015 March 16, 2015 1 12 IHT Pembekalan Internal dan sosialisasi APU PPT Bagi Pegawai Kontrak Administrasi Frontliner Batch 1 IHT Internal briefing and socialization APU PPT Fornew honorary administrative employees Frontliner Batch 1 BPD Kaltim 09-12 Maret 2015 March 9-12, 2015 20 13 IHT Pembekalan Internal dan sosialisasi APU PPT Bagi Pegawai Kontrak Administrasi Frontliner Batch 2 IHT Internal briefing and socialization APU PPT For new honorary administrative employees Frontliner Batch 2 BPD Kaltim 16-19 Maret 2015 March 16-19, 2015 19 14 IHT Pembekalan Internal dan sosialisasi APU PPT Bagi Pegawai Kontrak Administrasi Frontliner Batch 3 IHT Internal briefing and socialization APU PPT For new honorary administrative employees Frontliner Batch 3 BPD Kaltim 23-26 Maret 2015 March 23-26, 2015 20 15 IHT Consultative Selling Skill For Priority Banking IHT Consultative Selling Skill For Priority Banking Telequest Consulting 11-13 Maret 2015 March 11-13, 2015 20 16 IHT Consultative Selling Skill For Priority Banking IHT Consultative Selling Skill For Priority Banking Telequest Consulting 18-20 Maret 2015 March 18-20, 2015 20 17 Program Pemeliharaan Sertiikasi Manajemen Resiko Penerapan Manajemen Resiko dan Tata Kelola Perusahaan dalam Rangka Maningkatkan Kualitas Berbasis Budaya Sadar Resiko” Maintenance Program of Risk Management Certification “ Application of Risk Management and Corporate Govern- ance in order to Improve Quality Based on Risk Conscious Culture” PT. Leadership Nasional 16 Maret 2015 March 16, 2015 40 Daftar Pelatihan Program Pengembangan In House Training Pegawai BPD Kaltim Periode Sampai Dengan 31 Desember 2015 List Of Training Development Program In House Training of BPD Kaltim Employees Up To December 31, 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 149 18 Program Pemeliharaan Sertiikasi Manajemen Risiko Identiikasi dan Mitigasi Risiko Operasional Risiko Kredit Maintenance Program of Risk Management Certification “Identification and Mitigation of Operational Risk and Credit Risk PT.Leadership Nasional 23 Maret 2015 March 23, 2015 46 19 Program Pemeliharaan Sertiikasi Manajemen Risiko Identiikasi dan Mitigasi Risiko Operasional Risiko Kredit Maintenance Program of Risk Management Certification “Identification and Mitigation of Operational Risk and Credit Risk PT.Leadership Nasional 30 Maret 2015 March 30, 2015 24 20 Refreshment Sharing Session Bidang Pelayanan, APU PPT, Serta Sosialisasi PeraturanPerusahaan BPD Kaltim Refreshment Sharing Session of Service Division, APU PPT, and Socialization of BPD Kaltim Company Regulations BPD Kaltim 24 Januari 2015 January 24, 2015 78 21 Refreshment Sharing Session Bidang Pelayanan, APU PPT, Serta Sosialisasi PeraturanPerusahaan BPD Kaltim Refreshment Sharing Session of Service Division, APU PPT, and Socialization of BPD Kaltim Company Regulations BPD Kaltim 17 Januari 2015 17 Januari 2015 29 22 IHT Pembekalan Bagi Pegawai Kontrak Administrasi Baru Batch 4 IHT Briefing For new honorary administrative employees Batch 4 BPD Kaltim 06-09 April 2015 April 6-9, 2015 20 23 IHT Pembekalan Internal dan sosialisasi APU PPT Bagi Pegawai Kontrak Administrasi Baru Batch 5 IHT Internal briefing and socialization APU PPT For new honorary administrative employees Batch 5 BPD Kaltim 13-16 April 2015 April 13-16, 2015 15 24 Pelatihan Petugas Mitra Layanan Taspen Training for Officers Partner of Taspen services Taspen 18 April 2015 April 18, 2015 54 25 Sosialisasi Program Perhitungan Nilai Wajar Kolektif PSAK Syariah PSAK Sharia Collective Fair Value Calculation Program Socialization BPD KALTIM SYARIAH 23-24 April 2015 April 23-24,2015 12 26 Workshop LPPI Program pengembangan pegawai Workshop LPPI on Employee development program LPPI 14-15 April 2015 April 14-15, 2015 10 27 IHT Memiliki Portofolio Kredit Yang Produktif:Strategi dan Teknik Pembiayaan Kreidt Konsumer dan UMKM IHT Have a Productive Credit Portfolio: Strategies and Techniques of Consumer Credit Financing and SME deBestsolution 13-15 April 2015 April 13-15,2015 35 28 IHT Memiliki Portofolio Kredit Yang Produktif:Strategi dan Teknik Pembiayaan Kreidt Konsumer dan UMKM. IHT Have a Productive Credit Portfolio: Strategies and Techniques of Consumer Credit Financing and SME deBestsolution 06-08 Mei 2015 Mei 6-8, 2015 35 29 IHT Unlimited Prospecting for Banker Batch III IHT Unlimited Prospecting for Banker Batch III Telequest Consulting 6-7 Mei 2015 Mei 6-7, 2015 25 30 IHT Legal Audit BPD Kaltim IHT Legal Audit BPD Kaltim Pragya Counsulting 20-22 Mei 2015 Mei 20-22,2015 25 31 IHT Sosialisasi Pelatihan SKNBI Generasi Ke II IHT Socialization Training of SKNBI IInd Generation BPD Kaltim 29 - 30 Mei 2015 Mei 29 - 30, 2015 29 32 Sosialisasi SOP Terkait Pengembangan Produk Jasa BPD Kaltim Socialization of SOP Related to Products Development Services of BPD Kaltim BPD Kaltim 12-13 Mei 2015 Mei 12-13, 2015 34 33 IHT Take Over Pembiayaan Syariah IHT Take Over of Sharia financing Iqtishad Consulting 08-13 Juni 2015 Juni 8-13, 2015 35 34 Sosialisasi Optimalisasi TI E-Banking Socialization of IT E-Banking Optimization BPD Kaltim 08-12 Juni 2015 Juni 8-12, 2015 25 35 Update Informasi SID SID Updates Information BPD Kaltim 23 Juni 2015 June 23, 2015 20 36 Workshop Koreksi Data Workshop of Data Correction BPD Kaltim 24 Juni 2015 Juni 24, 2015 6 37 Sosialisasi MPN G2 BPD Kaltim Cab Utama Socialization of MPN G2 BPD Kaltim Primary Branch BPD Kaltim 13 Juli 2015 July 13, 2015 51 38 IHT Teleservice Excellence for Call Center IHT Teleservice Excellence for Call Center Telequest 03-06 Agustus 2015 August 3-6, 2015 8 39 Executive Gathering Bagi Pejabat BPD Kaltim Executive Gathering for BPD Kaltim Officers ESQ outbound 15-16 Agustus 2015 August 15-16, 2015 80 40 IHT Pelatihan Petugas Mitra Layanan Taspen Wilayah Utara IHT Training for Partner Officers of Taspen service on North Region Taspen 20 Agustus 2015 August 20, 2015 15 41 Pembekalan Internal dan sosialisasi APU PPT Pegawai Kontrak Administrasi Baru Batch 6 Internal briefing and socialization of APU PPT for new honorary administrative employees Batch 6 BPD Kaltim 07-11 September 2015 September 7-11, 2015 35 42 IHT PSAK 24 IHT PSAK 24 Ikatan Akuntan Indonesia 2 September 2015 September 2, 2015 19 43 Efektif communication skill for Customer Service Effective communication skill for Customer Service PT. Kahala Citra Indonesia 12-13 September 2015 September 12-13, 2015 35 44 Pembekalan Internal dan sosialisasi APU PPT Pegawai Kontrak Administrasi Baru Batch 7 Internal briefing and socialization of APU PPT for new honorary administrative employees Batch 7 BPD Kaltim 14-18 September 2015 September 14-18, 2015 48 45 Refreshment Sertiikasi Manajemen Risiko Risk Management Certification Refreshment PT.Leadership Nasional 14 September 15 September 14, 2015 19 46 IHT Pembekalan Internalbagi Pemimpin Kantor Kas Koordinator Baru IHT Internal briefing for Cash Office Manager New Coordinator BPD Kaltim 05-07 Oktober 2015 October 5-7, 2015 13 47 Training Sosialisasi Produk E-Channel BPD Kaltim dan Perogram Laku Pandai Training Socialization of BPD Kaltim E-Channel Product and Laku Pandai Program BPD Kaltim 19-21 Oktober 2015 October 19-21, 2015 23 48 Sosialisasi Skim Kredit Pegawai Bankaltim Sejahtera Socialization of Credit Scheme for Prosperous Bankaltim Employee BPD Kaltim 30 Oktober 2015 October 30, 2015 77 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation date Peserta Participant Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 150 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation date Peserta Participant Daftar Pelatihan Program Pengembangan Public Class Training Pegawai Bpd Kaltim Sampai Dengan Periode 31 Desember 2015 List Of Training Development Program Public Class Training Of BPD Kaltim Employee Up To December 31, 2015 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation Date Peserta Participant 1 Pelatihan Cadangan Kerugian Penurunan Nilai Training Allowance for Impairment Losses Asbanda 15-16 Januari 2015 January 15-16, 2015 1 2 Pelatihan Cost Reduction with Lean Mindset Training Cost Reduction with Lean Mindset Kontan Academy 19-20 Januari 2015 January 19-20, 2015 2 3 Sosialisasi Industrial Test SKNBI Generasi II Socialization Industrial Test SKNBI Generasi II Bank Indonesia 22 Januari 2015 January 22, 2015 2 4 Pelatihan Teknis SKNBI Generasi II Technical Training SKNBI II nd Generation Bank Indonesia 09 Februari 2015 February 9, 2015 1 5 Pelatihan Teknis SKNBI Generasi II, Technical Training SKNBI II nd Generation Bank Indonesia 10-12 Februari 2015 February 10-12, 2015 2 6 Pelatihan Risk Based Audit Risk Based Audit Training Asbanda 5-6 Februari 2015 February 5-6, 2015 1 7 Pelatihan Best Practice in Research Methods For Business Bank Training of Best Practice in Research Methods For Business Bank Patrarijaya 20-22 Januari 2015 January 20-22, 2015 2 8 Workshop Aplikasi Maqashid Syariah pada Perbankan Syariah Maqashid Sharia in Islamic Banking Application Workshop Lembaga Training dan Konsultan Keuangan Syariah 04-05 Februari 2015 February 4-5, 2015 5 9 Pendidikan dan Pelatihan Pemimpin Cabang Angkatan 178 Education and Training Branch Executive Force 178 Lembaga Pengambangan Perbankan Indonesia 6 Februari - 12 April 2015 February 6 - April 12, 2015 2 10 Pelatihanan Kehumasan dan Protokoler Training of Public Relations and Protocol Patrarijaya 09-11 Februari 2015 February 9-11, 2015 1 11 Pelatihan Uji Nasional Sertiikasi Keahlian Pengadaan BarangJasa Training Examination GoodsServices National Skills Certification Lembaga Kajian dan Pelatihan Manajemen LKPM 10-13 Februari 2015 February 10-13, 2015 1 12 Seminar Nasional Penerapan PSAK 24 Revisi 2013 National Seminar on PSAK 24 Implementation, 2013 Revision PT.Pointer Aktuarial Strategis 10 Februari 2015 February 10, 2015 3 13 Pelatihan Sertiikasi K3 Operator Mesin Diesel Genset Training Certification of K3 Diesel Machine Operators Genset PJK3 Indonesia Management Centre IMAC 25-28 Februari 2015 February 25-28, 2015 1 14 Workshop Program Anti Fraud Antisipasi Terhadap Ancaman Cyber crime Workshop Program on Anti Fraud Anticipation Threats Against Cyber Crime PT. Infobank Lentera Cipta Kreasi 26-27 Februari 2015 February 26-27, 2015 2 15 Peningkatan Portofolio Kredit Perumahan Melalui Penerapan Strategi yang Efektif untuk Menghindari Ancaman NPL Tahun 2015 Improvement of Housing Loan Portfolio Through Effective Implementation Strategies for Avoiding Threats of NPL in 2015 PT. Infobank Lentera Cipta Kreasi 25-27 Februari 2015 February 25-27, 2015 5 16 Pelatihan Credit Risk Modeling Training of Credit Risk Modeling Lembaga Pengembangan Perbankan Indonesia 25-26 Februari 2015 February 25-26, 2015 4 17 Training For The Trainer Training For The Trainer John Robert Powers 02-05 Maret 2015 March 2-5, 2015 11 18 Pelatihan Masa Persiapan Pensiun Retirement Preparation Training PT. Duta Transformasi Insani 09-13 Maret 2015 March 9-13, 2015 5 19 Workshop Eksekutif Kupas Tuntas Ijarah Muntahiyah Bit Tamlik IMBT dari Fiqih hingga Aplikasinya Executive Workshop of Ijarah Muntahiyah Bittamlik IMBT analysis from Fiqh to Application Lembaga Training dan Konsultan Keuangan Syariah 19-20 Maret 2015 March 19-20, 2015 2 20 Pelatihan Strategi Menangani Kredit Bermasalah Training on Strategy to Handle Non Performing Loans Asbanda 19-20 Maret 2015 March 19-20, 2015 7 21 Sosialisasi Peraturan Perpajakan terkait Tata Cara Pembuatan Pelaporan Faktur Pajak Berbentuk Elektronik Socialization Related on Tax Regulation Reporting Procedure for Electronic Tax Invoice Form KPP Madya Balikpapan 25 Maret 2015 March 25, 2015 2 49 Seminar For UKM Seminar For SME Markplus 5 November 2015 November 5, 2015 4 50 Brainstorming Etika Layanan Budaya Perusahaan Bagi Pejabat kantor cabang di wilayah kerja tengah Brainstorming of Service Ethics Corporate Culture For Branch Office Officers in The Center Working Area BPD Kaltim 7 November 2015 November 7, 2015 114 51 Brainstorming Etika Layanan Budaya Perusahaan Bagi Pejabat kantor cabang di wilayah kerja Selatan Brainstorming of Service Ethics Corporate Culture For Branch Office Officers in The South Working Area BPD Kaltim 14 November 2015 November 14, 2015 51 52 IHT Solusi Pembiayaan di masa perlambatan ekonomi : fokus kredit konsumer dan UKM IHT Financing solutions in the middle of economic slowdown: the focus on consumer and SME loans PT. Dempo Wisnu Kencana 18 - 20 November 2015 November 18-20, 2015 35 53 Brainstorming Etika Layanan Budaya Perusahaan Bagi Pejabat kantor cabang di wilayah kerja Utara Brainstorming Service Ethics Corporate Culture For Official Branch Office in the North Working Area BPD Kaltim 21 November 15 November 21, 2015 58 54 Sosialisasi Sharing Session Bidang Human Capital Socialization Sharing Session Human Capital Division BPD Kaltim 04 Desember 2015 December 4, 2015 34 55 IHT Legal Audit - Aspek Hukum Perkreditan IHT Legal Audit - Legal Aspects of Credit QC Consulting 16 s.d 18 Desember 2015 December 16-18, 2015 39 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 151 33 Workshop Efeective Risk Based Audit for Internal Audit Bank Workshop Effective Risk Based Audit for Internal Audit Bank PT. Infobank 09-10 April 2015 April 9-10, 2015 7 34 Workshop Revisi Rencana Bisnis RBB 2015: Identiikasi Kunci Perubahan RBB Berdasarkan Economic Outlook,MEA,dan Arah Kebijakan Ekonomi Nasional 2015-2020 | Workshop Revised Business Plan RBB, 2015: Identification of RBB Changes Key Based on Economic Outlook, MEA, and the National Economic Policy Directions year of 2015-2020 PT Risk Management Guard 23-Apr-15 April 23, 2015 2 35 Pelatihan Menghadapi Audit Legal Training Facing Legal Audit Pragya Consulting 09-10 April 2015 April 9-10, 2015 5 36 Pembayaran Biaya Pembatalan Keikutsertaan Assessment Center Assessor Certification | Cancellation Fee Payment for Participation on the Assessment Center, Assessor Certification PPM Manajemen 20-24 April 2015 April 20-24, 2015 1 37 Minaut Indonesia: Problem Solving Decision Making Minaut Indonesia: Problem Solving Decision Making PPM Manajemen 20-24 April 2015 April 20-24, 2015 6 38 Pelatihan Audit Syariah Sharia Audit Training ASBANDA 08-10 April 2015 April 8-10, 2015 4 39 Workshop Asset and Liability ManagementALMA Terapan : Manajemen Aset-Liabilitas dan Penguatan output dari Fungsi Alco Bank Konvensional dan Syariah | Workshop Asset and Liability Management ALMA Applied: Asset-Liability Management and Strengthening output from Alco Function of Conventional Bank and Sharia PT. Risk Management Guard 08-10 April 2015 April 8-10, 2015 1 40 Pelatihan Aspek Legal Akad Bank Syariah Angkatan XV Training of Legal Aspects and Akad of Sharia Bank, Force XV LPPI 16-17 April 2015 April 16-17, 2015 5 41 Pelatihan Integrated Marketing Communication Training of Integrated Marketing Communication MarkPlus 16-17 April 2015 April 16-17, 2015 2 42 Sosialisasi Pokok-Pokok Pengaturan dan Evaluasi Industiral Test Sistem Kliring Nasional Bank Indonesia Generasi II | Socialization Principles of Regulation and Evaluation Industrial Test Bank Indonesia National Clearing System Generation II Bank Indonesia 16-Apr-15 April 16, 2015 1 43 Training Layanan Kepada Nasabah Prioritas BPD Melalui Peningkatan Kapabilitas Priority Banking | Training Service To Customers Through Increased Capability BPD Priority Priority Banking ASBANDA 16-17 April 2015 April 16-17, 2015 2 44 Training Aspek Hukum Dalam Penyelesaian Kredit Bermasalah Training Legal Aspects of Non Performing Loans In Settlement ASBANDA 23-24 April 2015 April 23-24, 2015 2 45 Pelatihan Digital Marketing Digital Marketing Training PPM Manajemen 22-23 April 2015 April 22-23, 2015 1 46 Workshop RBB 2015: Identiikasi Kunci Perubahan RBB Berdasarkan Econimic Outlook,MEA dan Arah Kebijakan Ekonomi Nasional 2015-2020 RBB Workshop 2015: Identification of Key Changes RBB Based Economic Outlook, MEA and the National Economic Policy Directions 2015-2020 Risk Management Guard 23-Apr-15 April 23, 2015 2 47 Pelatihan Starategi Menangani Kredit Bermasalah Training Strategy to Handle Non Performing Loans ASBANDA 22-23 April 2015 April 22-23, 2015 4 48 Training Anti Money Laundering Pendanaan Terorisme Training Anti-Money Laundering Terrorism Financing Synergy Partner Prima 23-24 April 2015 April 23-24, 2015 2 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation Date Peserta Participant 49 Seminar Market Outlook Seminar Market Outlook Bloomberg 01 Mei 2015 May 1, 2015 3 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation Date Peserta Participant 22 Workshop Perubahan Format Sistem Aplikasi Laporan Publikasi Bank Workshop of Format Change of Bank Publication Reports Application System OJK 27 Maret 2015 March 27, 2015 1 23 Sosialisasi Roadmap Keuangan Berkelanjutan Socialization of Sustainable Financial Road map Bank Indonesia 10 Maret 2015 March 10, 2015 1 24 Seminar BPDSI Seminar of BPDSI Asbanda 25 Maret 2015 March 25, 2015 1 25 Seminar Sinergi Nasional Pengembangan Ekonomi Syariah Melalui Pemberdayaan pesantren Seminar of National Synergy of Economic Development Through Empowerment on Islamic boarding school Bank Indonesia 30 Maret 2015 March 30, 2015 1 26 Islamic Financial Services Board IFSB Annual Meeting Islamic Financial Services Board IFSB Annual Meeting Bank Indonesia 30 Maret 2015 March 30, 2015 1 27 Seminar BPDSI dan penarikan Undian Tabungan Simpeda, dan Musyawarah Nasional XV Asbanda Seminar of BPDSI and withdrawal of Simpeda Saving and Asbanda XVth National Conference Asbanda 13 s.d 15 Maret 2015 March 13-15, 2015 6 28 Workshop Penyusunan Blue Print Pengembangan SDM BPD Kaltim dan Blue Print UUS BPD Kaltim Menuju Spin Off | Workshop on Blue Print formulation of Human Resources Development of BPD Kaltim and Blue Print of UUS BPD Kaltim Towards Spin Off Leadership Nasional 24 s.d 25 Februari 2015 February 24-25, 2015 1 29 Workshop Perubahan Format Sistem Aplikasi Laporan Publikasi Bank Workshop of Format Change of Bank Publication Reports Application System OJK 27 Maret 2015 March 27, 2015 1 30 Accounting Of Islamic Bank Accounting Of Islamic Bank LPPI 16-19 Maret 2015 March 16-19, 2015 5 31 Pendidikan Dan Pelatihan Pincab Syariah Angkatan 13 Education and Training For Sharia Branch Manager Force 13 LPPI 10 Maret-10 April 2015 March 10-April 10, 2015 1 32 Workshop Quality Assurance Improvement Program Workshop Quality Assurance Improvement Program Ikatan Auditor Intern Bank 06-07 April 2015 April 6-7, 2015 2 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 152 50 Workshop Sistem Penatagunaan Tanah dan Tata Ruang Nasional Land Stewardship System and the National Spatial Pusat Pengkajian Pengembangan Informasi Publik 06-07 Mei 2015 May 6-7, 2015 1 51 Workshop Efective Risk Based Audit For Internal Audit Bank Workshop Effective Risk Based Audit For Internal Audit Bank Infobank 07-08 Mei 2015 May 7-8, 2015 9 52 Pelatihan Corporate Finance Corporate Finance Training Lentera Pro 07-09 Mei 2015 May 7-9, 2015 2 53 Workshop Integreted Stress Test:Menguji Akurasi Kebijakan Berdasarkan Integrasi Stress Test Model dari 4 empatRisiko Utama Risiko Kredit,Pasar,Likuiditas,dan Operasional Workshop on Integrated Stress Test: Test Accuracy of the Policy Based on Integration Stress Test Model of 4 four Key Risk Credit Risk, Market, Liquidity and Operational RMG 11-13 Mei 2015 May 11-13, 20155 4 54 ESQ Character Building I smd ESQ Character Building I smd ESQ 16-17 Mei 2015 May 16-17, 2015 35 55 Pelatihan Manajemen Perpajakan Taxation Management Training PT. Mairodi Mandiri Sejahtera 18-20 Mei 2015 May 18-20, 2015 2 56 Workshop Review dan Updating peran dan fungsi internal Audit menuju lembaga keuangan yang sehat Workshop Review and Updating the role and functions of internal audit towards a healthy financial institutions RMG 20-21 Mei 2015 May 20-21, 2015 2 57 Product Innovation Management Product Innovation Management PPM 20-22 Mei 2015 May 20-22, 2015 1 58 Uji Kompetensi Manajemen Risiko Level I dan II 2015 2015 Risk Management Competency Test Level I and II LSPP 23 Mei 2015 May 23, 2015 61 59 ESQ Character Building I Cab Balikpapan ESQ Character Building I, Balikpapan Branch ESQ 23-24 Mei 2015 May 23-24, 2015 18 60 Workshop GCG : Menyusun Formulasi Assessment oleh Divisi Unit Risk Owner dan Memahami Implementasi GCG yang Ideal GCG Workshop: Conducting Formulation Assessment Division Unit Risk Owner and Understanding Implementation of Ideal GCG RMG 28-29 Mei 2015 May 28-29, 2015 1 61 Pelatihan Kehumasan Protokoler Training of Public Relations Protocol Fresh Consulting 27-29 Mei 2015 May 27-29, 2015 3 62 Sosialisasi POJK dan SEOJK tanggal 29 Mei 2015 Socialization of POJK and SEOJK dated May 29, 2015 OJK 29 Mei 2015 May 29, 2015 1 63 Diklat Pemimpin Cabang Pembantu Training for Auxiliary Branch Manager LPPI 18-30 Mei 2015 May 18-30, 2015 5 64 Pembekalan Materi Program Sertiikasi Kepatuhan Anti Money Loundring Debriefing Material Certification Program of Compliance and Anti Money Laundering Forum Kepatuhan Direktur Kepatuhan 27-28 Mei 2015 May 27-28, 2015 1 65 Uji Sertiikasi Level 1 Program Sertiikasi Kepatuhan Anti Money Loundring Certification Test on Certification Program Level 1 Compliance and Anti Money Laundering LSPP 30 Mei 2015 May 30, 2015 1 66 Tata Kelola PerusahaanGCG sebagai pilar Keberhasilan Bank Corporate Governance GCG as a pillar of the Bank’s success BSMR 30 Mei 2015 May 30, 2015 4 67 Workshop Kebijakan Ketenagakerjaan BUMN Terkait Kontrak Kerja,Penetapan Imbalan Pasca Kerja dan Outsourcing Workshop of SOE Employment Policies Related to Contracts of Work, Determination and Post-Employment Benefits Outsourcing RMI 5 Juni 2015 June 5, 2015 2 68 Workshop Audit Methodology and Quality Review: Penerapan Ris Based Audit Planning, Penyusunan Standard An Prosedur Audit Sesuai Dengan Standards For The Professional Practice Of Internal Auditing SPPIA dan Standar Pelaksanaan Fungsi Audit Intern Bank SPFIB Workshop on Audit Methodology and Quality Review: Implementation of Risk Based Audit Planning, Formulation Standard An Audit Procedures In accordance with Standards For The Professional Practice Of Internal Auditing SPPIA and Standard Conduct of Bank Internal Audit SPFIB Infobank 4-5 Juni 2015 June 4-5, 2015 2 69 Project Financing : Analysis,Risk Mitigation,Evaluation Decision Making Project Financing : Analysis,Risk Mitigation,Evaluation Decision Making Infobank 4-5 Juni 2015 June 4-5, 2015 10 70 Workshop Non Performing LoanNPL Non Performing Financing NPF : Kupas Tuntas Strategi Penanganan NPL NPF dan Teknik Negoisasi Dalam Kerangka Perbaikan Kualitas Kredit Syariah Konvensional Workshop Non Performing LoanNPL Non Performing Financing NPF : Complete Analysis of NPL Management Strategy NPF and Negotiation Techniques In Credit Quality Improvement for Sharia Conventional RMG 3-4 Juni 2015 June 3-4, 2015 2 71 Pelatihan Legal Drafting Writing Skill Training of Legal Drafting Writing Skill UVI Consultant 3-5 Juni 2015 June 3-5, 2015 1 72 Seminar Spirit Revolution to br a Great SalesmanMarketing Seminar of Spirit Revolution to be a Great Salesman Marketing PT. Kahala Citra Indonesia 6 Juni 2015 June 6, 2015 10 73 Pelatihan Basic Asset Liability Management Training of Basic Asset Liability Management LPPI 8-11 Juni 2015 June 8-11, 20155 4 74 Diklat Pemimpin Cabang Angkatan 179 Training for Sub-Branch Manager Force 179 LPPI 27 April - 05 Juni 2015 April 27 - June 5, 2015 3 75 Pelatihan Practical Marketing Research Practical Marketing Research Training Marplus institute 11-12 Juni 2015 June 11-12, 2015 2 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 153 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation Date Peserta Participant 76 Pelatihan Return On Training Investment Training of Return On Training Investment PPM Management 10-11 Juni 2015 June 10-11, 2015 2 77 Peluang dan Tantangan Implementasi Data dan Crisis Center Menghadapi MEA 2015 Challenges and Opportunities of Implementation of Crisis Center and Data on Facing the AEC 2015 Bloomberg Businessweek 10 Juni 2015 June 10, 2015 2 78 Undangan 2015 Balanced Scorecard BSC Invitation of “2015 Balanced Scorecard BSC” Asbanda 10-11 Juni 2015 June 10-11, 2015 3 79 Workshop Nasional Akuntansi National Workshop on Accounting Indonesia Management Centre 10-11 Juni 2015 June 10-11, 2015 2 80 Pelatihan Designing Standart Operating Procedure SOP Training of Designing Standard Operating Procedure SOP PPM Manajemen 11-12 Juni 2015 June 11-12, 2015 2 81 Training Management for Professional Secretary Training of Management for Professional Secretary PPM Manajemen 16-18 Juni 2015 June 16-18, 2015 5 82 Kegiatan Check Up 3 Critical Points in Impairment CKPN Method:Pemetaan Rekomendasi Perbaikan Atas Temuan Regulator dalam Rangka Best Practice CKPN Dan PSAK 55 Activity of Check Up 3 Critical Points in Impairment CKPN Method : Mapping on Improved Recommendation of Regulator finding in the Best Practice CKPN and PSAK 55 RMG 22 Juni 2015 June 22, 2015 1 83 Pelatihan EFFECTIVE OFFLINE ONLINE SALES NETWORKING Training of EFFECTIVE OFFLINE ONLINE SALES NETWORKING PT.MarkPlusIndonesia 27 Juni 2015 June 27, 2015 9 84 Corporate Languaage Training Corporate Language Training English First 10 Maret s.d 12 Mei 2015 March 10 - May 12, 2015 7 85 Sosialisasi Modul Penerimaan Negara Generasi Dua MPN G-2 Socialization of 2nd Generation State Revenue Module MPN G-2 Bank Indonesia 02 Juli 2015 July 2, 2015 6 86 Program Pemeliharaan Rencana Bisnis Bank sebagai Sarana Bank dalam Mengendalikan Risiko Strategik Maintenance Program of “Business Plan as a Bank Tools in Strategic Risk Control” BSMR 06 Juli 2015 July 6, 2015 2 87 Sosialisasi Update Hands On BI-SSSS dan BI-ETP Socialization of Update Hands On BI-SSSS and BI-ETP Bank Indonesia 08-10 Juli 2015 July 8-10, 2015 4 88 Executive Education Program 2015 : The New Integrating Marketing Finance Executive Education Program 2015 : The New Integrating Marketing Finance PT. Markplus Indonesia 08-10 Juli 2015 July 8-10, 2015 2 89 Undangan Sosialisasi Tabungan Siswa Socialization Invitation of Students Savings ASBANDA 30 Juli 2015 July 30, 2015 1 90 Pelatihan Maximizing Leadership Potensials Training on Maximizing Potentials of Leadership Dale Carniage 04-06 Agustus 2015 August 4-6, 2015 16 91 Workshop Project Financing: Analysis ,Risk Mitigation,Evaluation Decision Making Workshop of Project Financing: Analysis ,Risk Mitigation,Evaluation Decision Making PT.Infobank 05-06 Agustus 2015 August 5-6, 2015 13 92 Pelatihan Ujian Nasional Sertiikasi Keahlian Pengadaan BarangJasa IAIN Training National Examination for Certification Skills on Procurement of Goods Services IAIN IAIN Unit Layanan Pengadaan 05-06 Agustus 2016 August 5-6, 2016 2 93 Pelatihan Ujian Nasional Sertiikasi Keahlian Pengadaan BarangJasa LKPN Training National Examination for Certification Skills on Procurement of Goods Services LKPN LPKN 05-06 Agustus 2017 August 5-6, 2017 2 94 Workshop Penguatan Internalisasi GCG,Manajemen Risiko dan Budaya Perusahaan dalam Rangka Menuju Transformasi BPD Workshop of “Strengthening Internalization of GCG, Risk Management and Corporate Culture towards BPD transformation. PT.Leadership Nasional 05-06 Agustus 2018 August 5-6, 2018 1 95 Menghadiri Undangan Sosialisasi Pelatihan Laporan Stabilitas Moneter dan Sistem Keuangan Bulanan Bank Umum Syariah dan Unit Usaha Syariah LSMK BU UUS Attending invitation of Socialization Training Stability Report Monthly Monetary and Financial System in Islamic Banks and Sharia Business Unit LSMK BU UUS Bank Indonesia 05-06 Agustus 2019 August 5-6, 2019 2 96 Sosialisasi Implementasi Ketentuan Kewajiban Penggunaan Rupiah DI Wilayah NKRI Socialization of Implementation of Obligate Conditions of Rupiah Use in Indonesia Bank Indonesia 14 Agustus 2015 August 14, 2015 2 97 Workshop Pembahasan Komperhensif Rencana Bisnis Bank: Tahapan Penyusunan ,Evaluasi dan Revisi sebagai Upaya Mewujudkan Perencanaan Strategis Bank yang Efektif Workshop Discussion of Comprehensive Business Plan: Stages of Formulation, evaluation and revision as an Effort to Realize Strategic Planning on Effective Bank Infobank 19-20 Agustus 2015 August 19-20, 2015 4 98 Pelatihan Penerapan Fungsi Kepatuhan dan Pengawasan Internal untuk Mencegah Kejahatan Perbankan Training Implementation of Compliance and Internal Control to Prevent Banking Crime FKDKP 19-20 Agustus 2015 August 19-20, 2015 4 99 Basic Trade Finance Training Basic Trade Finance Training ASWIFTINDO 20 Agustus 2015 August 20, 2015 2 100 Training Analis Lingkungan TAL Tahun 2015 : Pembiayaan Investasi Eisiensi Energi bagi Lembaga Jasa Keuangan Training of Environtment Analys TAL year of 2015 : Financing Energy Efficiency Investments for Financial Services Institutions” OJK 12-14 Agustus 2015 August 12-14, 2015 2 101 Public Training Sunset Policy Jilid II Public Training Sunset Policy Volume II ASBANDA 11-12 Agustus 2015 August 11-12, 2015 1 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 154 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation Date Peserta Participant 102 Hukum Manajemen Klaim Asuransi Legal Insurance Claims Management PATRARIJAYA 25-27 Agustus 2015 August15-27, 2015 2 103 Workshop GCG : Panduan Taknis Self Assessment dalam Perspektif Bank Maupun Regulator GCG Workshop : Technical Guidelines for Self Assessment in Bank and Regulator Perspectives` RMG 27-28 Agustus 2015 August 27-28, 2015 1 104 Pelatihan Talent Management System Development Training of Talent Management System Development Dunamis 1-2 September 2015 September 1-2, 2015 2 105 ESQ Character Building Service from heart bagi pegawai kontrak administrasi Baru Batch 6 ESQ Character Building Service from heart for new honorary administrative employees Batch 6 ESQ Leadership Center 05-06 September 2015 September 5-6, 2015 35 106 Training Procurement pengadaan barang jasa Training Procurement procurement of goods and services Asbanda 07 - 08 September 2015 September 6-8, 2015 2 107 Pelatihan Dasar Perbankan Syariah Basic Training of Islamic Bank PDPS Basic Training of Sharia Banking Basic Training of Islamic Bank PDPS ICDIF-LPPI 08 - 11 September 2015 September 8-11, 2015 4 108 Check up 3 three critical points in impairment CKPN method : strategi menurunkan CKPN dan rekomendasi perbaikan temuan regulator dalam kerangka best practice Check up 3 three critical points in impairment CKPN method : strategy to Lowering CKPN and Improved Recommendation on the findings Regulator in the Best Practice Framework RMG 15-Sep-15 September 15, 2015 3 109 ESQ Character Building Service from heart bagi pegawai kontrak administrasi Baru Batch 7 ESQ Character Building Service from heart for new honorary administrative employees Batch 7 ESQ Leadership Center 19-20 September 2015 September 19-20, 2015 48 110 Technical aspec in impairment CKPNPSAK55 method : panduan teknis perhitungan dan implementasi CKPN kolektif dan individual berbasis best practice Technical aspect in impairment CKPNPSAK55 method : technical guide for calculation and implementation of CKPN collective and individual-based on best practice RMG 16 - 18 September 2015 September 16-18, 2015 5 111 Pembekalan Materi Uji Sertiikasi Level 1 Program Sertiikasi Kepatuhan Anti Money Loundering Debriefing Materials Certification Test Level 1 Certification Program Compliance and Anti Money Laundering Forum Kepatuhan Direktur Kepatuhan LSPP 30 Sept s.d 03 Oktober 2015 Sept 30 - Oct 3, 2015 2 112 Penilaian Eisiensi Kinerja Cabang Branch Performance Efficiency Assessment Equilibrium Learning Center 28 s.d 29 September 2015 September 28-29, 2015 2 113 Training ESQ Character Building Service From Heart Training ESQ Character Building Service From Heart ESQ 165 03-04 Oktober 2015 October 3-4, 2015 135 114 Sosialisasi program transformasi BPD Socialization of BPD transformation program Asbanda 7-Sep-15 September 7, 2015 2 115 Basic Training of Islamic Bank PDPS Basic Training of Islamic Bank PDPS ICDIF- LPPI 08 - 11 September 2015 September 8-11, 2015 4 116 Workshop strategic Planning dan transformasi BPD SI Workshop on Strategic Planning and transformation of BPD SI Asbanda 10 - 11 September 2015 September 10-11, 2015 2 117 Pelatihan ,Sosialisasi,dan Pertemuan forum Komunikasi Kliring JakartaFKKJ dan Koordinator Pertukaran Warkat Debit KPWD Selain BI di wilayah kliring Jakarta Training, socialization and meetings of Clearing communication forum Jakarta FKKJ and Coordinator of Debit Scripless Exchange KPWD besides BI in clearing areas of Jakarta Bank Indonesia 03-04 Oktober 2015 October 3-4, 2015 2 118 Pelatihan Manajemen Perawatan Gedung dan FasilitasBuilding Maintenance Training of Building and Facility Maintenance Management Building Maintenance Expertindo Traing Consulting 05-06 Oktober 2015 October 5-6, 2015 2 119 Pelatihan PPh pasal 21 update terbaru 2015 Training Income Tax Article 21, the latest updates in 2015 Formasi Tax Training 05-06 Oktober 2015 October 5-6, 2015 2 120 Credit Remedial - Legal Aspect : Prosedur Lengkap Aspek Hukum dalam Penyelesaian Kredit Bermasalah Temasuk Jaminan dan Strategi Eksekusinya Credit Remedial - Legal Aspect : Complete procedure of Legal Aspects in the Settlement of Non Performing Loans Including Security and Execution Strategy Risk Management Guard 7-8 Oktober 2015 October 7-8, 2015 3 121 Workshop prospek ekonomi 2015 dan implikasinya terhadap penyusunan rencana bisnis bank Workshop of 2015 economic outlook and its implications for the preparation of its business plan LPPI 7-8 Oktober 2015 October 7-8, 2015 2 122 Workshop Sinkronisasi Corporate Plan dan RBB BPD SI Workshop Synchronization of Corporate Plan and RBB BPD SI ASBANDA 12-13 Oktober 2015 October 12-13, 2015 2 123 Pelatihan Manajemen Perawatan bangunan Gedung dan FasilitasBuilding Maintenance Training of Building and Facility Maintenance Management Building Maintenance Expertindo Traing Consulting 19-21 Oktober 2015 October 19-21, 2015 2 124 Pelatihan Treasury Management Training of Treasury Management PT. Domus Alba 12 Oktober-7 November 2015 October 12 - November 7, 2015 10 125 Penyempurnaan Fungsi Kpatuhan, Perbaikan Kerangka Prosedur, dan Indentiikasi Kinerja Completion of the Compliance Function, improvement the Procedural Framework and Identification of Performance RMG 28 - 29 Oktober 2015 October 28-29, 2015 1 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 155 No Kegiatan Activities Penyelenggara Organizer Tanggal Pelaksanaan Implementation Date Peserta Participant 126 Pelatihan Uji Sertiikasi Pengadaan di Bidang TI Certiied IT Procurement Expert training Certification Testing of Procurement in the IT Sector Certified IT Procurement Expert Sharing Vision 04 - 06 November 2015 November 4-6, 2015 2 127 Workshop Regulasi dan Perkembangan bisnis KPR ltv, Reinancing, Top up, Take Over, dll Workshop of Regulation and Development mortgage business LTV, Refinancing, Top up, Take Over, etc. Asbanda 05 - 06 November 2015 November 5-6, 2015 3 128 Seminar Menjadi Komisaris Yang Efektif dan Bertanggungjawab Seminar of Being Commissioner of Effective and Responsible PT. Intipesan Pariwara 10 - 11 November 2015 November 10-11, 2015 1 129 Seminar dengan Tema Menjadi Komisaris yang Efektif dan Bertangung Jawab Seminar of Being Commissioner of Effective and Responsible intipesan 10-11 November 2015 November 10-11, 2015 1 130 Workshop Penyediaan Likuiditas Akhir Tahun Pada BPDSI Workshop of End of the Year Liquidity Provision On BPDSI Asbanda 10-Nov-15 November 10, 2015 2 131 Sosialisasi peraturan menteri keuangan RI nomor : 191PMK.0102015 tentang penilaian kembali aktiva tetap Socialization of regulatory finance minister of Indonesia Number: 191 PMK.010 2015 on fixed asset revaluation. KPP Madya Balikpapan 11-Nov-15 November 11, 2015 2 132 Legal Audit Legal Opinion Legal Audit Legal Opinion Indotama Consulting 10-12 November 2015 November 10-12, 2015 1 133 Workshop Tata Cara Penyusunan Laporan Keuangan Kantor Pusat LKP dan Laporan Keuangan Publikasi Bank Yang Benar Workshop Procedures for Preparation of Head Office Financial Statements and Condensed Financial Statement which Correct PT. Risk Management Guard 18-19 November 2015 November 18-19, 2015 2 134 Workshop Implementasi peraturan terbaru kepala PPATK No. PER-21.02 PPATK022015 tentang arti pencucian uang dan pencegahan pendanaan terorisme. Workshop on Implementation of the latest regulations heads of PPATK No. PER- 21.02PPATK022015 about the meaning of money laundering and combating the financing of terrorism. Pusdiknas 18-19 November 2015 November 18-19, 2015 2 135 Training ESQ Eksekutif Character Building - Personal Transformation Training of ESQ Executive Character Building - Personal Transformation ESQ Leadership Center 21-22 November 2015 November 21-22, 2015 50 136 Pelatihan Pembiayaan Kredit Modal Kerja Training of Working Capital Financing SSA Consulting 30 November s.d 01 Desember 2015 November 30 - December 1, 2015 2 137 Pelatihan Bantuan Hidup Dasar Penyakit Jantung Training of Basic Life Aid of Cardiovascular Disease Yayasan Jantung Indonesia 05 Desember 2015 December 5, 2015 3 138 Workshop Kredit Analysis, Monitoring and problem solving Workshop of Credit Analysis, Monitoring and problem solving PT. Infobank Lentera Cipta Kreasi 10 s.d 11 Desember 2015 December 10-11, 2015 5 139 Program Pemeliharaan Sertiikasi Manajemen Risiko dengan tema : Workshop Mengembangkan Microbanking yang Produktif dari perencanaan hingga pengendalian kredit bermasalah Maintenance Program of Risk Management Certification with the theme: Workshop on Developing Productive Micro Banking from planning to controlling of non- performing loans BSMR 11 Desember 2015 December 11, 2015 5 140 ESQ Character Building Eksekutif ESQ Character Building Executive ESQ Leadership Center 11 - 13 Desember 2015 December 11-13, 2015 2 141 Workshop 7 tujuh jam optimalisasi laba 2015 : Pemanfaatan metode perhitungan atas alokasi cadangan kerugian penurunan nilai PSAK 55 Workshop of 7 seven hours optimizing profit, 2015: Exploiting the method of calculation of the allocation of allowance for impairment losses IAS 55 PT. Risk Management Guard 15 Desember 2015 December 15, 2015 4 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 156 Alokasi dana pendidikan dan pelatihan pegawai ditetapkan merujuk pada Surat Keputusan Direksi Bank Indonesia Nomor No.31310KepDir Tentang Sediaan Dana Untuk Pengimbangan Sumber Daya Manusia Bank Umum Direksi Bank Indonesia Pasal 3. Dalam hal ini, biaya pendidikan dan pelatihan sumber daya manusia telah diproyeksi dengan seksama oleh Divisi Human Capital BPD Kaltim untuk dapat memenuhi ketentuan tersebut. Realisasi biaya pendidikan dan pelatihan selama tahun 2015 telah mencapai 49.42 dari rencana bisnis bank atau mengalami peningkatan 13.8 poin dari realisasi pelaksanaan pendidikan dan pelatihan pada tahun 2014 sebesar 35.57. Hal ini tidak terlepas dari konsep Human Capital Management yang diterapkan berdasarkan perkembangan organisasi yang memandang karyawan sebagai aset Human Capital dengan nilai yang dapat ditingkatkan melalui beragam proses yang harus dianggap sebagai investasi. Pendidikan dan pelatihan memiliki peran penting dalam menentukan kualitas sumber daya manusia yang dimiliki industri perbankan sesuai dengan parameter yang ditetapkan oleh regulator Bank Indonesia dan Otoritas Jasa Keuangan. BPD Kaltim telah melaksanakan pendidikan dan pelatihan di tahun 2015 dengan rasio biaya 2.47 terhadap anggaran biaya tenaga kerja yang tersedia dalam Rencana Bisnis Bank tahun 2015 serta rasio realisasi terhadap biaya tenaga kerja sebesar 4.37. Nilai tersebut akan senantiasa dievaluasi untuk memantapkan kesiapan BPD Kaltim dalam menghadapi perkembangan dan persaingan bisnis dunia perbankan yang memerlukan tenaga kerja yang berkompeten dan memiliki daya saing yang tinggi. Untuk rencana Divisi Human Capital kedepan akan melakukan beberapa langkah antara lain : a. Penyusunan Road Map pengisian jabatan yang masih kosong dalam struktur organisasi serta mendukung penyediaan tenaga kerja terhadap pembukaan jaringan operasional baru. b. Menyusun Standarisasi kualiikasi dan kompetensi pegawai yang diarahkan untuk mengisi jabatan – jabatan profesional. c. Me-review keseluruhan isi dari Buku Pedoman Perusahaan dan Standard Operating Prosedur yang menjadi pedoman operasional Bidang Allocation of employee education and training cost set refers to the Decree of Directors of Bank Indonesia Number 31310 Kep Dir Regarding Stock of Funds To Offset Commercial Bank Human Resources Management of Bank Indonesia Article 3. In this case, the cost of education and training for humans resources have projected closely by the Division of Human Capital of BPD Kaltim to be able to meet those conditions. Realization of education and training cost for 2015 has reached 49.42 of the bank’s business plan or increase by 13.8 points from the realization of education and training in 2014 which is 35.57. It is inseparable from the concept of Human Capital Management that applied based on development of organization that see the employees as an asset Human Capital with a value that can be improved through a various processes that should be considered as an investment. Education and training have an important role in determining the quality of human resources which owned by the banking industry in accordance with the parameters set by the regulator Bank Indonesia and the Financial Services Authority. BPD Kaltim has been carrying out education and training in 2015 with a ratio of 2.47 of labor budget costs available in the Business Plan 2015 and the ratio of the cost of labor realization that amounted to 4.37. This value will be regularly evaluated to establish the readiness of BPD Kaltim in the face of business and banking world competition that requires a competent work force and has high competitiveness. In order to the future plan, Human Capital Division will perform several steps, among others: a. Preparation of the Roadmap for filling the positions which are still vacant in the organizational structure as well as to support the provision of employment to the opening of the new operational network. b. Develop Standardization of qualification and competence of the employees which are directed to fill the professional positions. c. Reviewing the entire contents of the Company Manual and Standard Operating Procedures that became operational guidelines for Human Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 157 Sumber Daya Manusia disesuaikan dengan regulasi regulasi yang ditetapkan pemerintah maupun Otoritas Jasa Keuangan dengan tujuan agar operasional pengelolaan sumber daya manusia sesuai dengan prinsip Good Corporate Governance GCG. d. Review dan pembaruan Peraturan Perusahaan BPD Kaltim yang akan habis masa berlakunya pada tanggal 01 Juni 2016 sebagai pedoman bagi pegawai untuk menjalankan hak dan kewajibannya. e. Implementasi pemenuhan Kebutuhan Kompetensi Jabatan KKJ seluruh lini jabatan yang telah disusun sesuai dengan Kamus Kompetensi yang dimiliki oleh BPD Kaltim dengan langkah langkah pemberian pendidikan pelatihan bagi pegawai, rotasi secara generalis untuk tenaga pelaksana dengan tujuan penyiapan kader kader pada masa mendatang, sertiikasi bidang, konseling pegawai dan pengukuran kompetensi melalui assessment Center. f. Penyusunan perhitungan perencanaan kebutuhan pegawai berdasarkan Work Load Analysis WLA dengan tujuan untuk menentukan proyeksi kebutuhan pegawai secara akurat sehingga akan berpengaruh pada eisiensi biaya tenaga kerja dan menambah motivasi pegawai karena beban kerja setiap pegawai telah dapat diperhitungkan secara matang. g. Melakukan mutasi sebagai sarana evaluasi pegawai, pengembangan pegawai dan pemenuhan struktur organisasi. h. Melakukan rekrutmen pegawai yang transparan, obyektif dan independen untuk memperoleh kandidat pegawai yang bermutu dan berintegritas tinggi. i. Melaksanakan Assesment Center bagi calon pejabat di eselon IV, III, II, dan I disesuaikan dengan kebutuhan kompetensi jabatan masing masing jabatan. j. Implementasi perubahan status Pegawai Kontrak Administrasi menjadi Pegawai Tetap Masa Pensiun 40 Tahun. k. Pengawasan terhadap Pelaksanaan Penyerahan Pekerjaan Kepada Perusahaan lain Alih Daya Resources adapted to the regulations that set by the government and the Financial Services Authority in order to get the operational management of human resources in accordance with the principles of Good Corporate Governance GCG. d. Review and update of BPD Kaltim company regulations which will expire on June 1, 2016 as a guideline for employees to exercise their rights and obligations. e. Implementation of Position Competency Needs KKJ fulfillment in entire line of positions that have been prepared in accordance with the Dictionary of competencies owned by BPD Kaltim with providing education and training for employees, rotated generalist for executive personnel with the aim of setting up cadres in the future, sector certification, employee counseling and measurement of competencies through the assessment center. f. Preparation of planning calculation based on the needs of employees’ Work Load Analysis WLA in order to determine accurately the projection of employees needs that would affect the efficiency of labor costs and increase employee motivation because of the workload of each employee would be calculated carefully. g. Mutation as a tool of employee evaluation, employee development and fulfillment of organizational structure. h. Doing recruitment that transparent, objective and independent to obtain quality and high integrity employee candidates. i. Implement the Assessment Center for prospective officials at echelon IV, III, II and I adapted to the needs of each job competency. j. Implementation the changes of status from honorary administrative employees become Permanent Employees with 40 Years Retirement. k. Supervision on the implementation of Works handover To Other Companies outsourcing Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 158 outsoursing serta menyiapkan Buku Peraturan Perusahaan yang mengatur mengenai Pengelolaan Tenaga Kerja Alih Daya sehingga dapat tercipta kerjasama dengan Perusahaan Penyedia Tenaga Alih Daya yang selaras dan mendukung kegiatan operasional BPD Kaltim serta memiliki langkah mitigasi terhadap potensi permasalahan alih daya pada masa mendatang. Program Riset Budaya Perusahaan Sesuai dengan Blue Print Human Capital Transformation, BPD Kaltim berkomitmen melaksanakan transformasiHuman Capital dan transformasi budaya perusahaan sebagai satu kesatuan yang terintegrasi, terukur, sistematis dan komprehensif. Dengan strategi pada pilar pertama yaitu ”Budaya Perusahaan Pembelajaran” yaitu membangun budaya korporat melalui pengembangan nilai-nilai dan budaya 6C secara sistematis melalui komunikasi intensif, kontekstual reward consequence dan adanya panutan role model. A. Program internalisasi budaya kerja Untuk merealisasikan program transformasi budaya kerja BPD Kaltim, maka Divisi Human Capital melalui departemen pendidikan Pelatihan melaksanakan Program Pengukuran Inisiatif Program Internalisasi Budaya Kerja bagi Pegawai Sesuai Nilai-nilaiCore Value BPD Kaltim, dengan alur program sebagai berikut. and prepare the Companies Rule Book which regulates the Outsourcing Labor management to create harmony in partnership with the provider company of the outsourced personnel and support the operational activities of BPD Kaltim and have mitigation againts potential problems of outsourcing in the future. Corporate Culture Research Program In accordance with the Human Capital Transformation Blueprint, BPD Kaltim is committed to implement Human Capital transformation and transformation of the company culture as one entity that integrate, measurable, systematic and comprehensive. With the strategy of the first pillar, namely “Corporate Culture and Learning” that aim to build a corporate culture through the development of 6C cultural and values systematically through intensive communication, contextual reward and consequence and the existance of role model. A. Internalization Work Culture Program To realize BPD Kaltim work culture transformation program, the Division of Human Capital through the Department of Education Training implementing the Measurement Initiatives Program, Work Culture Internalization Program for employee According Values Core Value of BPD Kaltim, the plot is as follows : Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 159 Kondisi Saat Ini Existing Condition Pengukuran Budaya Kerja Work Culture Measurement Kondisi Yang Diinginkan Ideal Condition Pengembangan Program Developing Program Program Eksekusi Execution the Program Evaluasi Evaluation Perlunya pengukuran internalisasi budaya kerja bagi pegawai BPD Kaltim Importance of measurement Work Culture internalization For Employees of BPD Kaltim Pengumpulan data dan melakukan analisa awal terhadap kondisi budaya saat ini Data collection and analysis of the beginning of the current culture conditions Membuat dan merumuskan solusi program yang sesuai dengan kondisi budaya dan tantangan yang dihadapi saat ini Create and formulate program solutions in accordance with the culture conditions and challenges that appear nowadays Pelaksanaan program Transformasi Budaya Kerja Bankaltim Implementation of BanKaltim Work Culture Transformation Program Melakukan evaluasi terhadap keseluruhan program yang telah dijalankan An evaluation of the entire program that has been executed Implementasi budaya kerja yang sesuai dengan Core Values BPD Kaltim Work culture implementation in accordance with the Core Values of BPD Kaltim B. Pelaksanaan Pada Tahap awal, telah dilaksanakan Program pengukuran budaya kerjaOrganization Culture Health Index OCHI, yang dilaksanakan secara online selama 01 satu bulan, dimulai pada awal Bulan Desember 2015 yang melibatkan seluruh pegawai BPD Kaltim dengan jumlah responden mencapai 70 dan tingkat validasi 95. Pada tahapan ini menghasilkan informasi berupa tingkat entropi organisasi yang menunjukan adanya energi yang terpakai untuk kegiatan tidak produktif dilingkungan kerja, faktor yang berpotensi menghambat budaya kerja yang sehat, dan harapan pegawai terhadap budaya organisasi, serta gambaran implementasi core value 6C oleh seluruh pegawai BPD Kaltim yang belum maksimal. Hasil program pengukuran budaya kerja tersebut, menjadi dasar dalam penentuan program selanjutnya dI Tahun 2016 sesuai alur program diatas untuk menginternalisasi Budaya Kerja 6C. Sehingga pada akhirnya menciptakan keselarasan antara manajemen dan seluruh lapisan pegawai dalam rangka menujukkan citra perusahaan yang positif dan meningkatkan engagement pegawai, memaksimalkan kinerja sesuai dengan visi, misi dan sasaran strategis BPD Kaltim, dan seluruh pegawai BPD kaltim memiliki values nilai-nilai utama yang sama sebagai dasar membangun budaya kerja yang kuat dan mengakar serta mampu membuat perbedaan. B. Implementation At the initial stage, have been implemented measurement program of work culture Organizational Culture Health Index Ochi, that conducted online for 1 one month, starting in early December 2015 and involving all employees of BPD Kaltim with the number of respondents up to 70 and the validation rate of 95. This stage generates information such as the level of organization entropy that shows the existing energy used for unproductive activities in the work environment, a factor that potentially hinder the healthy of work culture, and employee expectations of organizational culture, and the description of the implementation of core values 6C by all employees of BPD Kaltim that has not been maximum. The results of the work culture measurement program, become the basis in determining the next program in 2016 corresponding with program flow that mentioned above, to internalize Work Culture 6C. In the end, the harmony between management and all levels of employees will be created in order to show a positive company images and to increase employees engagement, maximize the performance in line with BPD Kaltim vision, mission and strategic objectives, and all employees of BPD Kaltim own the same values the core values as the basic to build strong and rooted work culture as well as to be able to make a difference. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 160 Economic Highlight Kepatuhan Dan Manajemen Risiko Teknologi Informasi dan Jaringan Teknologi Informasi dan Jaringan Kepatuhan dan Manajemen Resiko Compliance And Risk Management APRIANSYAH Direktur Umum General Affairs Director “Prinsip-prinsip Tata Kelola Perusahaan yang baik Good Corporate Governance dilaksanakan oleh segenap elemen BPD Kaltim dalam bidang operasional maupun non-operasional yang didukung pula dengan penerapan manajemen risiko yang komprehensif khususnya dalam menghadapi kondisi ekonomi yang kurang menguntungkan.” “Principles of Good Corporate Governance implemented by all elements of BPD Kaltim in the field of operational and non-operational which is also supported by the implementation of comprehensive risk management, especially in the face of unfavorable economic conditions.” ANDI HADIWIJAYA Direktur Kepatuhan Compliance Director 163 183 Tata Kelola Perusahaan Yang Baik Compliance and Risk Management Manajemen Risiko Risk Management Kepatuhan dan Manajemen Risiko Compliance and Risk Management Tantangan ekonomi global merupakan masih menjadi perhatian utama para pelaku usaha untuk bisa tanggap dan mampu mengambil strategi terbaik guna menjaga stabilitas usahanya. Dalam menghadapi tantangan tersebut perusahaan harus memiliki tata kelola perusahaan yang baik Good Corporate Governance dan manajemen risiko yang handal sebagai pondasi dalam menyusun berbagai strateginya. BPD Kaltim senantiasa melaksanakan prinsi-prinsip tata kelola perusahaan yang baik dalam setiap level organsiasi, diiringi dengan praktek manajemen risiko yang bersinergis untuk mengelola Bank secara baik dan sehat. Hal ini didasarkan pada keyakinan bahwa implementasi tata kelola perusahaan dan manajemen risiko yang baik merupakan pondasi ketahanan Bank di tengah lingkungan usaha yang semakin dinamis dan kompetitif. Tata Kelola Perusahaan Yang Baik BPD Kaltim menjalankanpraktek kegiatan perbankan dengan menerapkan 5 lima Prinsip wajib tata kelola perusahaan, yaitu; Keterbukaan Transparancy, Akuntabilitas Accountability, Tanggung Jawab Responsibility, Independensi Independency danKewajaran Fairness. Dengan tata kelola perusahaan yang baik diharapkan dapat menurunkan kompeksitas risiko, meningkatkan kepatuhan terhadap peraturan perundang-undangan yang berlaku serta dapat meningkatkan kepercayaan dan melindungi kepentingan stakeholders. Penerapan prinsip tata kelola perusahaan didasarkan kepada landasan peraturan perundang-undangan yang berlaku di industri perbankan indonesia, antara lain: - Peraturan Bank Indonesia No. 84PBI2006 dan No. 814PBI2006 tentang Perubahan Atas Peraturan Bank Indonesia No. 84PBI2006 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum. - Peraturan Bank Indonesia Nomor 131PBI2011 Tanggal 5 Januari 2011 Tentang Penilaian Tingkat Kesehatan Bank Umum. - Surat Edaran Bank Indonesia No. 1515DPNP Tanggal 29 April 2013 perihal pelaksanaan Good Corporate Governance bagi Bank Umum. - Surat Edaran Bank Indonesia No. 1324DPNP Tanggal 25 Oktober 2011 tentang Penilaian Tingkat Kesehatan Bank Umum. Global economic challenges is still a major concern of business actor to be responsive and able to take the best strategies in order to maintain the stability of its business. In the face of these challenges, companies must have reliabel good corporate governance GCG and risk management as a foundation in formulating various strategies. BPD Kaltim continue to implement the principles of good corporate governance in all levels of the organization, accompanied by the risk management practices in synergism to manage the Bank in good and healthy. It is based on the belief that the implementation of corporate governance and risk management is the foundation of the resilience of banks in the middle of the business environment which is more dynamic and competitive. Good Corporate Governance BPD Kaltim practicing banking activities by implementing five 5 mandatory Principles of corporate governance, namely; Transparency, Accountability, Responsibility, independency and fairness. With good corporate governance, expected to reduce the complexity of risk, improve compliance with legislation and regulations, and help to build confidence and protect the interests of stakeholders. The implementation of GCG principles are based on a foundation of legislation in force in the Indonesian banking industry, among other: - Bank Indonesia Regulation No. 84 PBI 2006 and No. 814PBI 2006 on Amendment to Bank Indonesia Regulation No. 84PBI2006 concerning on Implementation of Good Corporate Governance for Commercial Banks. - Bank Indonesia Regulation No. 131PBI2011 on January 5, 2011 concerning on Commercial Banks Soundness Level Assessment. - Circular Letter of Bank Indonesia No. 1515DPNP on April 29, 2013 regarding the implementation of Good Corporate Governance in Commercial Banks. - Circular Letter of Bank Indonesia No. 1324DPNP on October 25, 2011 regarding Assessment of Commercial Bank Soundness Level 163 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM Kegiatan penilaian Good Corporate Governance, diawali dengan melakukan self assessment terhadap Dewan Pengawas, Direksi, Komite-Komite, Kepatuhan dan Manajemen Risiko, Audit Internal dan Eksternal, transparansi kondisi keuangan termasuk penyediaan dana besar dan rencana strategik bank. Hasil penilaian ini yang kemudian dapat menjadi tolak ukur apakah sebuah bank tersebut mempunyai tata kelola yang baik atau pun tidak. Dan melalui penilaian ini pula dapat diambil langkah-langkah perbaikan dan pencegahan yang nantinya dapat membuat bank tersebut menjadi lebih baik dimasa yang akan datang. Tentunyamenjadi tugas bagi seluruh pegawai untuk tetap mempertahankan budaya yang baik bagi bank, sehingga diharapkan dapat meningkatkan kepercayaan masyarakat dan komitmennya kepada BPD Kaltim sebagai Bank Daerah. Pelaksana Fungsi Kepatuhan dan Manajemen Risiko Dalam pelaksanaan kepatuhan dan manajemen risiko, BPD Kaltim memiliki Direktorat Kepatuhan yang membawahi unit kerja Divisi Kepatuhan dan Manajemen Risiko. Direktur yang membawahi Direktorat Kepatuhan adalah Roosita Margaretha yang habis masa tugasnya pada 12 Oktober 2015. Berdasarkan Surat Keputusan Gubernur Provinsi Kalimantan Timur Nomor: 821K.6612015 tentang Pemberhentian dan Penunjukan Pelaksana Tugas Direktur Kepatuhan Bank Pembangunan Daerah Kalimantan Timur yang ditetapkan pada 13 Oktober 2015, maka Roosita Margaretha menjadi Plt. Direktur Kepatuhan hingga dilantiknya Andi Hadiwijaya sebagai Direktur Kepatuhan deinitif pada 28 Desember 2015. • Kepatuhan • Administrasi Kepatuhan • Compliance • Administrative Compliance • Manajemen Risiko Pasar | Market Risk Management • Manajemen Risiko Kredit | Credit Risk Management • Manajemen Risiko Likuiditas | Liquidity Risk Management • Manajemen Risiko Operasional Lainnya | Operasional Risk Other Management • Administrasi Manajemen Risiko | Risk Management Administration • Kepatuhan Syariah | Sharia Compliance • Manajemen Risiko Syariah | Sharia Risk Management • Administrasi Kepatuhan Manajemen Risiko Syariah | Compliance Administration Sharia Risk Management Garis Komando Command line Garis Koordinasi Coordinate lines KETERANGAN: EXPLANATION: DEPARTEMEN KEPATUHAN MANAJEMEN RISIKO SYARIAH DIVISI KEPATUHAN MANAJEMEN RISIKO COMPLIANCE MANAGEMENT RISK DIVISION DIREKTUR KEPATUHAN DEPARTEMEN MANAJEMEN RISIKO DEPARTEMEN KEPATUHAN COMPLIANCE DIRECTOR C OMPLIANCE DEPARTMENT MANAGEMENT RISK DEPARTEMENT Compliance Department Sharia Risk Management The activities of Good Corporate Gorvernance assessment begins with self assessment on the Supervisory Board, Board of Directors, Committees, Compliance and Risk Management, Internal and External Audits, financial transparency including large exposure and strategic plans of bank. The result of this assessment can be a benchmark whether a bank has a good corporate governance or not. And through the assessment, improvement and preventive measures which could make the bank better in the future. It certainly becomes the employees’ responsibility to maintain good culture for the bank; therefore, it can increase public trust and their commitment to BPD Kaltim as a regional bank. Compliance and Risk Management Function Implementer In the implementation of compliance and risk management, BPD Kaltim have the Compliance Directorate which oversees the work unit of Compliance and Risk Management Division. Director of the Directorate of Compliance is Roosita Margaretha which is completing his mission on October 12, 2015. Based on the Decree of the Governor of East Kalimantan Province No. 821 K.661 2015 on the dismissal and appointment of Acting Compliance Director of Bank Pembangunan Daerah Kalimantan Timur set on October 13, 2015, then Roosita Margaretha became Acting Compliance Director until the the inauguration of Andi Hadiwijaya as definitive Compliance Director on December 28, 2015. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 164 Pengawasan Aktif Dewan Pengawas Pengawasan aktif dilaksanakan oleh Dewan Pengawas BPD kaltim melalui langkah-langkah berikut: a. Menetapkan kebijakan umum, menjalankan pengawasan, pengendalian dan pembinaan berdasarkan ketentuan perundang-undangan yang berlaku; b. Memastikan terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha bank pada seluruh tingkatan atau jenjang organisasi; c. Melaksanakan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi serta memberikan nasehat kepada Direksi; d. Menyetujui dan melakukan pengawasan terhadap pelaksanaan rencana bisnis bank; e. Membentuk dan memastikan efektivitas pelaksanaan tugas dari Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi; f. Menyediakan waktu yang cukup untuk melaksanakan tugas dan tanggung jawabnya secara optimal. Terhadap kebijakan yang menyangkut kegiatan operasional Bank, Dewan Pengawas tidak pernah memberikan rekomendasi, akan tetapi terbatas pada penyediaan dana kepada pihak tekait serta dalam melakukan tugas pengawasan, Dewan Pengawas mengarahkan dan memantau terhadap pelaksanaan kebijakan Bank, Dewan Pengawas dapat melakukan evaluasi serta menyetujui rencana bisnis bank. Pelaksanaan Tugas dan Tanggung Jawab Dewan Pengawas dan Direksi No. Keterangan | Remarks Dewan Pengawas | Supervisory Board Direksi | Board of Director 1. Jumlah | Quantity 2 dua orang | 2 two persons 5 lima orang | 5 five persons 2. Komposisi | Composition • Ketua Dewan Pengawas | Chairman of Supervisory Board - H. Sulaiman Gafur periode tahun 2015-2018 | tenure 2015-2018 • Anggota Dewan Pengawas Independen | Member of Independent Supervisory Board - H. Mardeksyah Bajurie periode tahun 2014-2017 | tenure 2014-2017 • Direktur Utama | President Director H. Zainuddin Fanani periode tahun 2015-2019 | tenure 2015-2019 • Direktur Kredit | Credit Director Ismunandar Azis periode tahun 2014-2018 | tenure 2014-2018 • Direktur Operasional | Operational Director H. Apriansyah periode tahun 2012-2016 | tenure 2012-2016 • Direktur Syariah Human Capital | Sharia and Human Capital Director Hairuzzaman periode tahun 2015-2019 | tenure 2015-2019 • Direktur Kepatuhan | Compliance Director Andi Hadiwijaya periode tahun 2015-2019 | tenure 2015-2019 Active supervision of the Supervisory Board Active supervision conducted by the Supervisory Board of BPD Kaltim through the following steps: a. Sets general policy, carry out monitoring, control and guidance based on the provisions of the applicable legislation; b. Ensure the implementation of GCG in every bank’s business activities at all levels of the organization; c. Conduct supervision to the performance of duties and responsibilities of the Board of Directors and provide advice to the Board of Directors; d. Approve and supervise the implementation of bank’s business plan; e. Establish and ensure the effectiveness of implementation of the duties of the Audit Committee, Risk Monitoring Committee and Remuneration and Nomination Committee; f. Provide sufficient time to carry out their duties and responsibilities optimally. Supervisory Board never provide recommendations on policies relating to the operations of the Bank, but limited to the provision of funds to related parties and to perform supervisory duties, the Supervisory Board directs and monitors the implementation of the Bank’s policies, and the Supervisory Board can evaluate and approve the bank business plan. Duties and Responsibilities of the Board of Supervisory and Directors Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 165 a Tugas dan tanggung jawab a Duties and Responsibilities No. Keterangan | Remarks Dewan Pengawas | Supervisory Boards Direksi | Board of Director 3 Kriteria | Criteria • Warga Negara Indonesia yang bertaqwa kepada Tuhan Yang Maha Esa; | Indonesian citizens who devout to god the almighty • Memiliki dedikasi tinggi, cakap dan mempunyai kemampuan untuk menjalankan kebijakan pemegang saham dalam melakukan pembinaan dan pengawasan Bank; | Highly dedicated, competent and capable to comply with the shareholders’ policy in advising and supervising the Bank. • Memiliki pengetahuan dibidang keuangan dan perbankan serta mempunyai akhlak dan moral yang baik; | Having knowledge in finance and banking and having good charácter and moral; • Memenuhi persyaratan telah lulus Penilaian Kemampuan dan Kepatutan Fit and Proper Test sesuai dengan Ketentuan Bank Indonesia; | Qualifying and having passed the fit and proper test based on the provisión of Bank Indonesia. • Warga Negara Indonesia yang bertaqwa kepada Tuhan Yang Maha Esa; | Indonesian citizens who devout to god the almighty • Memiliki pengalaman kerja paling kurang 15 lima belas tahun pada lembaga keuanganperbankan; | Having work experience at least 15 fifteen years in finance banking institution. • Memiliki pengalaman paling kurang 5 lima tahun di bidang operasional sebagai Pejabat Eksekutif Bank; | Having experience at least 5 five years in operational sector as a bank executive officer. • Memenuhi persyaratan telah Lulus Penilaian Kemampuan dan Kepatutan Fit and Proper Test sesuai dengan ketentuan Bank Indonesia; | Qualifying and having passed the fit and proper test based on the provision of Bank Indonesia. 4 Independensi Anggota Members of Independent Dewan Pengawas BPD Kaltim : | Supervisory Board of BPD Kaltim: • Tidak merangkap jabatan pada 1 satu atau lebih lembagaperusahaan keuangan lain, baik yang berkedudukan di dalam maupun di luar negeri; | Not officiating double positions in 1 one or more other finance institutions companies, domiciled either inside or outside the country. • Tidak memiliki hubungan keuangan, hubungan kepengurusan, kepemilikan saham maupun hubungan keluarga dengan anggota Dewan Pengawas lainnya, Direksi atau hubungan dengan Bank sebagaimana ketentuan pelaksanaan GCG bagi Bank Umum; | Not having financial, organizational relationship, shareholding relationship, or family relationship with the other members of Supervisory Board, Board of Directors or relationship with the bank in accordance with the provision of GCG implementation for comercial Banks; • Tidak memiliki saham pada BPD Kaltim maupun pada bank danatau perusahaan lain, baik yang berkedudukan di dalam maupun di luar negeri | Not having shares at BPD Kaltim or at the other Banks andor the other companies, either inside or outside the country. Direksi BPD Kaltim : | Board of Directors of BPD Kaltim: • Tidak memiliki saham yang melebihi 25 dua puluh lima perseratus baik pada BPD Kaltim dan perusahaan lain, yang berkedudukan di dalam maupun di luar negeri; sesuai data per Desember 2015 | Having shares not more than 25 twenty five per cent either in BPD Kaltim or in another company, neither insidenor outside the country; acording to data per December 2015 • Tidak memiliki hubungan keuangan, dan hubungan keluarga dengan anggota Dewan Pengawas, anggota Direksi lain danatau pemegang saham pengendali BPD Kaltim; | Not having financial relationship and family relationship with the members of supervisory board, with the members of the other Board of Directors and or with the shareholders controlling of BPD Kaltim; • Tidak merangkap jabatan sebagai anggota Dewan Pengawas, Direksi, atau Pejabat Eksekutif pada bank, perusahaan danatau lembaga lain, baik yang berkedudukan di dalam maupun di luar negeri; | Not officiating double positions as the member of Supervisory Board, Board of Directors, or Executive Officer at the other banks, companies andor institutions, either inside or outside the country. Dewan Pengawas | Supervisory Boards Direksi | Board of Director • Menetapkan kebijakan umum, menjalankan pengawasan, pengendalian dan pembinaan berdasarkan ketentuan perundang-undangan yang berlaku; | Establishing general policy, working on supervisión, control and fostering based on the pertinent laws and regulation • Memastikan terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha bank pada seluruh tingkatan atau jenjang organisasi; | Ensuring the implementation of GCG in every bank business activity on all levels or organizational levels; • Melaksanakan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi serta memberikan nasehat kepada Direksi; | Working on the supervisión upon the implementation board of directors’ duty and responsibility and giving advice to the Board of Directors; • Menyetujui dan melakukan pengawasan terhadap pelaksanaan rencana bisnis bank; | Approving and supervising the implementation of bank business plan; • Membentuk dan memastikan efektivitas pelaksanaan tugas dari Komite Audit, Komite Pemantau Risiko dan Komite Remunerasi dan Nominasi; | Establishing and ensuring the effectivity of the Audit Committees’, the Risk Monitoring Committees’, and Remuneration and Nomination Committees’ job implementation; • Menyediakan waktu yang cukup untuk melaksanakan tugas dan tanggung jawabnya secara optimal. | Making enough time to implement the duty and the responsibility as well as possible. • Mengelola BPD Kaltim sesuai dengan kewenangan dan tanggungjawabnya sebagaimana diatur dalam anggaran dasar dan peraturan perundang- undangan yang berlaku; | Managing BPD Kaltim pursuant to the authority and the responsibility as it is arranged in the articles of association and the pertinent laws and regulation; • Memimpin, mengurus dan melaksanakan kebijakan umum bank sesuai dengan misi dan fungsi bank; | Leading, managing and complying with general policy of the bank based on the misión and function of the bank; • Melaksanakan prinsip-prinsip GCG dalam setiap kegiatan usaha pada seluruh tingkatan atau jenjang Organisasi BPD Kaltim; | Performing the principles of GCG in every business activity on all levels or organizational levels; • Bertanggungjawab penuh atas pelaksanaan kepengurusan Bank dan wajib mempertanggung jawabkan pelaksanaan tugasnya kepada pemegang saham melalui RUPS; | Fully responsible for the implementation of Bank organization and must account the implementation of his duty to the shareholders in General Meeting of Shareholders; • Menerapkan prinsip kehati-hatian dalam penyediaan dana termasuk diversiikasi portofolio atas penyediaan dana yang diberikan.| Applying precautionary principles in the provision of fund including portfolio diversification for the fund provision given. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 166 1. Dalam melaksanakan fungsi pengendalian intern Bank, Dewan Pengawas didukung oleh Komite-Komite Dewan Pengawas sebagai berikut: a Komite Audit a.1 Struktur, keanggotaan, keahlian, dan independensi anggota pada posisi sampai dengan Desember 2015 Struktur • Ketua Komite : Dewan Pengawas Independen • Anggota Komite : Pihak Independen, berasal dari mantan Pejabat Eksekutif BPD Kaltim yang telah melalui masa cooling off lebih dari 6 enam bulan. • Anggota Komite : Pihak Independen, berasal dari mantan Pejabat Eksekutif BPD Kaltim yang telah melalui masa cooling off lebih dari 6 enam bulan. Keanggotaan Masa jabatan anggota Komite Audit adalah 3 tiga tahun dan dapat diangkat kembali untuk 1 satu kali masa jabatan berikutnya. Susunan keanggotaan Komite Audit posisi sampai dengan Desember 2015 adalah: • Ketua Komite : H. Mardeksyah Bajurie • Anggota Komite : Mariatul Kiftiah : Retno Yuliastuti Keahlian Ketua Komite : Bidang Kepatuhan dan Risiko Anggota Komite 1 : Bidang Audit Akuntansi Anggota Komite 2 : Bidang Audit Akuntansi Independensi • Tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham danatau hubungan keluarga dengan Dewan Pengawas, Direksi danatau Pemegang saham Pengendali BPD Kaltim; • Tidak merangkap jabatan pada BPD Kaltim, Bank lain, baik yang berkedudukan di dalam maupun di luar negeri. a.2 Tugas dan tanggung jawab • Melakukan pemantauan dan evaluasi atas perencanaan dan pelaksanaan audit terhadap standar audit yang 1. In carrying out the Bank’s internal control function, supervisory Board supported by the Supervisory Board Committees as follows: a Audit Committee a.1 The structure, membership, expertise and independence of members in the position until December 2015 Structure • Chairman of the Committee: Independent Supervisory Board • Members of the Committee: Independent Party, originated from former of BPD Kaltim Executive Officers who have been through a cooling off period of more than six 6 months. • Members of the Committee: Independent Party, originated from former of BPD Kaltim Executive Officers who have been through a cooling off period of more than six 6 months. Membership Tenure of Audit Committee members is three 3 years and may be reappointed for 1 one more tenure. The composition of the Audit Committee position until December 2014 is: • Chairman of the Committee: H. Mardeksyah Bajurie • Members of the Committee: Mariatul Kiftiah : Retno Yuliastuti Expertise Committee Chairman: Sector Compliance and Risk Committee Member 1: Sector of Audit Accounting Committee Member 2: Sector of Audit Accounting Independency • Does not have inancial, management, share ownership and or family relationship with the Supervisory Board, the Board of Directors and or Controlling shareholder of BPD Kaltim; • Do not hold double positions on BPD Kaltim, another bank, both domestic and abroad. a. 2 Duties and responsibilities • Monitor and evaluate the planning and implementation of the audit about applicable audit standards as well as monitoring on the Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 167 berlaku serta pemantauan atas tindak lanjut hasil audit dalam rangka menilai kecukupan pengendalian intern; • Pemantauan dan evaluasi pelaksanaan audit oleh Akuntan Publik dengan standar audit yang berlaku; • Memantau dan mengevaluasi kesesuaian laporan keuangan dengan standar yang berlaku; • Memberikan rekomendasi mengenai penunjukan dan pemberhentian Audit Ekstern; • Mengevaluasi pelaksanaan tugas SKAI terhadap Standar Audit yang berlaku; • PemantauanEvaluasi Pelaksanaan Audit oleh Akuntan Ekstern sesuai Standar Audit yang berlaku; • PemantauanEvaluasi kesesuaian laporan keuangan dengan Standar yang berlaku; • PemantauanEvaluasi Pelaksanaan tindak lanjut oleh ManajemenDireksi. a.3 Frekuensi rapat Rapat dilakukan minimal 1 satu kali dalam sebulan dan rapat yang dilakukan selama tahun 2015 adalah sebagai berikut: No. Tanggal | Date Keterangan | Remarks 1. 22 Januari 2015 January 22, 2105 Rapat Bulanan Januari 2015 Monthly meeting January 2015 2. 18 Februari 2015 February 18, 2015 Rapat Bulanan Februari 2015 Monthly meeting February 2015 3. 24 Maret 2015 March 24, 2015 Rapat Bulanan Maret 2015 Monthly meeting March 2015 4. 13 April 2015 April 13, 2015 Rapat Bulanan April 2015 Monthly meeting April 2015 5. 18 Mei 2015 May 18, 2015 Rapat Bulanan Mei 2015 Monthly meeting May 2015 6. 16 Juni 2015 June 16, 2015 Rapat Bulanan Juni 2015 Monthly meeting June 2015 7. 23 Juli 2015 July 23, 2015 Rapat Bulanan Juli 2015 Monthly meeting July 2015 8. 20 Agustus 2015 August 20, 2015 Rapat Bulanan Agustus 2015 Monthly meeting August 2015 9. 21 September 2015 September 21, 2015 Rapat Bulanan September 2015 Monthly meeting September 2015 10. 22 Oktober 2015 October 22, 2015 Rapat Bulanan Oktober 2015 Monthly meeting October 2015 11. 23 November 2015 November 23, 2015 Rapat Bulanan November 2015 Monthly meeting November 2015 12. 21 Desember 2015 December 21, 2015 Rapat Bulanan Desember 2015 Monthly meeting December 2015 follow-up results of the audit in order to assess the adequacy of internal controls; • Monitoring and Evaluating the implementation of audit by public accountant with the applicable standard audit; • Monitoring and evaluating the suitability of financial statements with the applicable standardization; • Giving recommendation concerning the appointment and the dismissal of the external audit; • Evaluating the implementation of task handled by Internal Audit Work Unit SKAI about the applicable standard audit; • Monitoring evaluating the implementation of audit made by the external audit base don the applicable standard audit; • Monitoringevaluating the suitability of inancial statements with the applicable standardization; • Monitoringevaluating the implementation of the follow-up made by the management Board of Directors. a. 3 The Frequency of Meetings Meeting is conducted at least once in a month and meetings conducted during 2015 were as follows: Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 168 a. 4 Program kerja dan realisasinya Program kerja Komite Pemantau Risiko tahun 2016 dan realisasi program kerja tahun 2014 disampaikan lebih lengkap dalam Laporan Good Corporate Governance GCG BPD Kaltim Tahun 2015. b Komite Pemantau Risiko b.1 Struktur, keanggotaan, keahlian, dan independensi anggota pada posisi sampai dengan Desember 2015 Struktur • Ketua Komite : Dewan Pengawas Independen • Anggota Komite : Pihak Independen berasal dari mantan Pejabat Eksekutif Bank BPD Kaltim. • Anggota Komite : Pihak Independen berasal dari Akademisi. Keanggotaan Masa jabatan anggota Komite Pemantau Risiko adalah 3 tiga tahun dan dapat diangkat kembali untuk 1 satu kali masa jabatan berikutnya. Ketua Komite : H. Mardeksyah Bajurie Anggota Komite : Sudarmo : Sugeng Hariyadi Keahlian Ketua Komite : Bidang Kepatuhan dan Risiko Anggota Komite 1 : Bidang Manajemen Risiko Anggota Komite 2 : Bidang Ekonomi Independensi • Tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham danatau hubungan keluarga dengan Dewan Pengawas, Direksi danatau Pemegang saham Pengendali BPD Kaltim; • Rangkap jabatan yang dimiliki oleh anggota Komite telah memperhatikan kompetensi, kriteria independensi, kerahasiaan, kode etik dan pelaksanaan tugas dan tanggung jawab serta telah mengacu pada ketentuan Bank Indonesia tentang pelaksanaan Good Corporate Governance Bagi Bank Umum. a. 4 Work Program and realization The work program of the Risk Monitoring Committee in 2016 and the realization of the work program in 2014 presented more completely in the Statement of Good Corporate Governance GCG of BPD Kaltim year 2015. b Risk Monitoring Committee b.1 Structure, membership, skill, and independency of members on the position until December 2015 Structure • Chairman of Committee : Independent Supervisory Board • Members of Committee : Independent party coming from the former of Bank Executive Officers of BPD Kaltim. • Members of Committee : Independent party coming from Academicians. Membership The members of Risk Monitoring Committee’s tenure is 3 three years and can be promoted again for one more tenure. Chairman of Committee : H. Mardeksyah Bajurie Members of Committee : Sudarmo : Sugeng Hariyadi Expertise Committee Chairman: Sector of Compliance and Risk Committee Member 1: Sector of Risk Management Committee Member 2: Sector of Economics Independency • Unrelated inancial, management, share ownership and or family relationship with the Supervisory Board, the Board of Directors and or Controlling shareholder of BPD Kaltim; • Double positions held by members of the Committee had been considering the competence, independence criteria, secrecy, code of conduct and execution of tasks and responsibilities as well have been referring to Bank Indonesia regulation on the implementation of Good Corporate Governance for Commercial Banks. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 169 b.2 Tugas dan tanggung jawab • Mempelajari kebijakan manajemen risiko yang ditetapkan oleh perusahaan • Memantau dan mengevaluasi laporan manajemen risiko yang dikirim ke Bank Indonesia • Mengevaluasi kinerja Komite Manajemen Risiko dan SKMR pada Divisi Kepatuhan dan Manajemen Risiko • Menyampaikan laporan hasil evaluasi tersebut kepada Dewan Pengawas • Melakukan self assessment terhadap kinerja Komite Pemantau Risiko • Melakukan pemantauan setidaknya 4 dari 8 jenis risiko bank b.3 Frekuensi rapat Rapat dilakukan minimal 1 satu kali dalam sebulan dan rapat yang dilakukan selama tahun 2015 adalah sebagai berikut: No. Tanggal | Date Keterangan | Remarks 1. 14 Januari 2015 January 14, 2105 Rapat BulananDesember 2014 Monthly meeting December 2014 2. 13 Februari 2015 February 13, 2015 Rapat Bulanan Januari 2015 Monthly meeting January 2015 3. 18 Maret 2015 March 18, 2015 Rapat Bulanan Februari 2015 Monthly meeting February 2015 4. 14 April 2015 April 14, 2015 Rapat Bulanan Maret 2015 Monthly meeting March 2015 5. 28 Mei 2015 May 28, 2015 Rapat Bulanan April 2015 Monthly meeting April 2015 6. 10 Juni 2015 June 10, 2015 Rapat Bulanan Mei 2015 Monthly meeting May 2015 7. 23 Juli 2015 July 23, 2015 Rapat Bulanan Juni 2015 Monthly meeting June 2015 8. 13 Agustus 2015 August 13, 2015 Rapat Bulanan Juli 2015 Monthly meeting July 2015 9. 31 Agustus 2015 August 31, 2015 Rapat Bulanan Agustus 2015 Monthly meeting August 2015 10. 07 September 2015 September 07, 2015 Rapat Bulanan September 2015 Monthly meeting September 2015 11. 09 November 2015 November 09, 2015 Rapat Bulanan Oktober 2015 Monthly meeting October 2015 b.2 Duty and Responsibility • Studying the risk management policy arranged by the company; • Monitoring and evaluating the risk management report which is sent to Bank Indonesia; • Evaluating the performance of Risk Management Committee and Risk Management Work Unit SKMR in Compliance Division and Risk Management; • Submitting report of the evaluation result to the Supervisory Board; • Making self assessment about the performance of Risk Monitoring Committee; • Monitoring at least 4 of 8 kinds of Bank risks. b.3 Frequency of Meetings Meeting is conducted at least once in a month and the meetings held in 2015 were as follows: Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 170 c Komite Remunerasi dan Nominasi c.1 Struktur, keanggotaan, keahlian, dan independensi anggota pada posisi sampai dengan Desember 2015 Struktur Ketua Komite : Dewan Pengawas Independen Anggota Komite : Anggota Dewan Pengawas BPD Kaltim Anggota Komite : Pejabat Eksekutif yang membawahi Sumber Daya Manusia Pemimpin Divisi Sumber Daya Manusia BPD Kaltim. Keanggotaan Masa jabatan anggota Komite Pemantau Risiko adalah 3 tiga tahun dan dapat diangkat kembali untuk 1 satu kali masa jabatan berikutnya. Ketua Komite : H. Sulaiman Gafur Anggota Komite : H. Mardeksyah Bajurie : H. Andi Hadiwijaya Januari 2012 s.d. 28 Desember 2015 Keahlian Ketua Komite : Bidang Ekonomi Anggota Komite 1 : Bidang Kepatuhan dan Risiko Anggota Komite 2 : Bidang Manajemen Independensi • Tidak memiliki hubungan keuangan, kepengurusan, kepemilikan saham danatau hubungan keluarga dengan Dewan Pengawas, Direksi danatau Pemegang saham Pengendali BPD Kaltim; • Rangkap jabatan yang dimiliki oleh anggota Komite telah memperhatikan kompetensi, kriteria independensi, kerahasiaan, kode etik dan pelaksanaan tugas dan tanggung jawab serta telah mengacu pada ketentuan Bank Indonesia tentang pelaksanaan Good Corporate Governance Bagi Bank Umum. c.2 Tugas dan tanggung jawab • Melakukan evaluasi terhadap kebijakan remunerasi c Remuneration and Nomination Committee c1 Structure, membership, expertise and independence of members in the position until December 2015 Structure Chairman of the Committee: Independent Monitoring Board Committee members: Members of the Supervisory Board of BPD Kaltim Committee members: Executive Officer in charge of Human Resources Head of Human Resources Division of BPD Kaltim. Membership Tenure of the Risk Monitoring Committee members is three 3 years and can be reappointed for 1 one more tenure. Chairman of the Committee: H. Sulaiman Gafur Members of the Committee: H. Mardeksyah Bajurie : H. Andi Hadiwijaya January 2012 until December 28, 2015 Expertise Committee Chairman: Sector of Economics Committee Member 1: Sector of Compliance and Risk Committee Member 2: Sector of Management Independency • Unrelated inancial, management, share ownership and or family relationship with the Supervisory Board, the Board of Directors and or Controlling shareholder of BPD Kaltim; • Double positions held by members of the Committee had been considering the competence, independence criteria, secrecy, code of conduct and execution of tasks and responsibilities as well have been referring to Bank Indonesia regulation on the implementation of Good Corporate Governance for Commercial Banks. c.2 Duties and responsibilities • To evaluate the remuneration policy Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 171 • Memberikan rekomendasi kepada Dewan Pengawas mengenai kebijakan remunerasi Dewan Pengawas dan Direksi serta pejabat eksekutif dan pegawai secara keseluruhan. • Menyusun dan memberikan rekomendasi mengenai sistem serta prosedur pemilihan dan atau penggantian anggota Dewan Pengawas dan Direksi kepada Dewan Pengawas untuk disampaikan kepada Rapat Umum Pemegang Saham. • Memberikan rekomendasi mengenai calon anggota Dewan Pengawas dan atau Direksi kepada Dewan Pengawas untuk disampaikan kepada Rapat Umum Pemegang Saham. • Memberikan rekomendasi mengenai pihak independen yang akan menjadi anggota komite kepada Dewan Pengawas. c.3 Frekuensi rapat Rapat dilakukan minimal 1 satu kali dalam sebulan dan rapat yang dilakukan oleh Komite Remunerasi dan Nominasi selama tahun 2015 adalah sebagai berikut: No. Tanggal | Date Keterangan | Remarks 1. 07 Januari 2015 January 07, 2015 Rapat Bulanan Januari 2015 Monthly meeting January 2015 2. 03 Februari 2015 February 03, 2015 Rapat Bulanan Februari 2015 Monthly meeting February 2015 3. 26 Maret 2015 March 26, 2015 Rapat Bulanan Maret 2015 Monthly meeting March 2015 4. 28 April 2015 April 28,2015 Rapat Bulanan April 2015 Monthly meeting April 2015 5. 10 Juni 2015 June 10, 2015 Rapat Bulanan Mei 2015 Monthly meeting May 2015 6. 22 Juni 2015 June 22, 2015 Rapat Bulanan Juni 2015 Monthly meeting June 2015 7. 15 Juli 2015 July 15, 2015 Rapat Bulanan Juli 2015 Monthly meeting July 2015 8. 19 Agustus 2015 August 19, 2015 Rapat Bulanan Agustus 2015 Monthly meeting August 2015 9. 10 September 2015 September 10, 2015 Rapat Bulanan September 2015 Monthly meeting September 2015 10. 10 Oktober 2015 October 10, 2015 Rapat Bulanan Oktober 2015 Monthly meeting October 2015 11. 19 November 2015 November 19, 2015 Rapat Bulanan November 2015 Monthly meeting November 2015 12. 21 Desember 2015 December 21, 2015 Rapat Bulanan Desember 2015 Monthly meeting December 2015 • Provide recommendations to the Supervisory Board regarding the remuneration policy of the Board Supervisory and the Board of Directors and executive officers and employees in general. • Develop and provide recommendations about system and procedures of election and or replacement of members of the Supervisory Board and the Board of Directors to the Supervisory Board to be submitted to the General Meeting of Shareholders. • Provide recommendations regarding prospective members of the Supervisory Board and or Board of Directors to the Supervisory Board to be submitted to the General Meeting of Shareholders. • Provide recommendations regarding an independent party who will be the members of the committee to the Board Supervisory. c3 Frequency of meetings Meeting is conducted at least once in a month and the meetings held by the Remuneration and Nomination Committee for 2015 is as follows: Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 172 Penerapan Fungsi a. Fungsi Kepatuhan 1 Dalam rangka penerapan kepatuhan Bank terhadap ketentuan perundang-undangan yang berlaku, bank telah menunjuk seorang Direktur Kepatuhan sebagaimana dipersyaratkan oleh ketentuan Bank Indonesia tentang Pelaksanaan Fungsi Kepatuhan Bank Umum. 2 Guna mendukung pelaksanaan fungsi Direktur yang Membawahkan Kepatuhan, Bank telah membentuk Satuan Kerja Kepatuhan Departemen Kepatuhan pada Divisi Kepatuhan dan Manajemen Risiko yang bersifat independen terhadap satuan kerja operasional. 3 Sebagaimana Peraturan Bank Indonesia Nomor 132PBI2011 Tanggal 12 Januari 2011 Tentang Pelaksanaan Fungsi Kepatuhan Bank Umum, maka Direktur yang Membawahkan Fungsi Kepatuhan secara berkala melaporkan tugas dan tanggung jawab Direktur yang membawahkan Fungsi Kepatuhan kepada Direktur Utama dan setiap semester melaporkan ke Bank Indonesi yang mencakup : a. Merumuskan strategi guna mendorong terciptanya Budaya Kepatuhan Bank; b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip kepatuhan yang akan ditetapkan oleh Direksi; c. Menetapkan sistem dan prosedur kepatuhan yang akan digunakan untuk menyusun ketentuan dan pedoman internal Bank; d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, dan prosedur, serta kegiatan usaha yang dilakukan bank telah sesuai dengan ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku, termasuk Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha Syariah; e. Meminimalkan Risiko Kepatuhan Bank; f. Melakukan tindakan pencegahan agar kebijakan danatau keputusan yang diambil Direksi Bank atau pimpinan Kantor Cabang Bank asing tidak menyimpang dari ketentuan Bank Indonesia dan peraturan perundang-undangan yang berlaku; g. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi Kepatuhan. Function Implementation a. Compliance Function 1 In order to apply compliance of Bank to the applicable laws and regulation, Bank has appointed a Director of Compliance as it is required by stipulation of Bank Indonesia regarding Implementation of Compliance Function Of Comercial Banks. 2 In order to support implementation of Director Function supervises compliance, Bank has established a Compliance Work Unit Compliance Department in Compliance and Risk Management Division which is independent to the operational work unit. 3 As stated in regulation of Bank Indonesia No. 132PBI2011 dated on January 12th, 2011 regarding implementation of comercial bank compliance function, Director who supervises compliance function periodically reports duty and responsibility of Director who supervises compliance function to the President Director and in every semester reports to Bank Indonesia which includes: a. Formulating strategy to support realization of Bank Compliance Culture; b. Suggesting compliance policies or principles of compliance which are going to be established by Board of Directors; c. Establishing system and procedure of compliance which are going to be used to arrange internal provision and guidance of Bank; d. Ensuring all policy, provision, system, and procedure, and business activities run by Bank are in accordance to provision of Bank Indonesia and the applicable laws and regulation, including principles of Sharia In Sharia Comercial Banks And Sharia Business Unit; e. Minimizing Risk of Bank Compliance; f. Making preventive measures, so policy andor decisión made by Board of Directors of Bank or leader of foreign Branch Office do not diverge from provision of Bank Indonesia and the applicable laws and regulation; g. Doing other duties related to Compliance Function. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 173 b. Fungsi Auditor Intern • BPD Kaltim telah menerapkan fungsi audit intern pada seluruh aspek dan unsur kegiatan bank secara efektif dengan berpedoman pada persyaratan dan tata cara sebagaimana diatur dalam ketentuan Bank Indonesia dan Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank Umum. • Sebagai efektiitas pelaksanaan fungsi audit intern telah dibentuk Satuan Kerja Audit Intern SKAI yang independen terhadap satuan kerja operasional, beserta Kontrol Intern Cabang KIC di Kantor Cabang BPD Kaltim yang bertugas untuk membantu pelaksanaan tugas SKAI dalam melakukan fungsinya. • Bank telah memiliki Standar Pelaksanaan Fungsi Audit Intern Bank SPFAIB, dengan menyusun piagam audit intern Internal Audit Charter sesuai Surat Keputusan Direksi BPD Kaltim No. 154SKBPD-PSTXII2007 tanggal 17 Desember 2007 sebagaimana telah diubah dengan Surat Keputusan Direksi Nomor 020 SKBPD-PSTI2013 tanggal 30 Januari 2013 dan Surat Keputusan Direksi Nomor 161SK BPD-PSTVII2014 tanggal 08 Juli 2014 serta Surat Keputusan Direksi Nomor 134SKBPD- PSTVI2015 tanggal 25 Juni 2015. • Menyusun panduan audit intern berbasis risiko, sebagaimana tertuang dalam Buku Pedoman Perusahaan tentang Organisasi Satuan Kerja Audit Intern sebagaimana Surat Keputusan Direksi Nomor 133SKBPD-PST VI2015 tanggal 25 Juni 2015. • SKAI telah melakukan fungsi pengawasan secara independen dengan cakupan tugas yang memadai dan sesuai dengan rencana, pelaksanaan maupun pemantauan hasil audit. c. Fungsi Audit Ekstern • Dalam melakukan audit laporan keuangan, Bank telah menunjuk Kantor Akuntan Publik Sriyadi, Elly, Sugeng dan Rekan sebagai Akuntan Publik. • Penunjukan Akuntan Publik dalam rangka audit laporan keuangan tahunan berdasarkan rekomendasi dari Komite Audit yang disampaikan kepada Dewan Pengawas untuk memperoleh persetujuan RUPS. • KAP Sriyadi, Elly, Sugeng dan Rekan sebagai Akuntan Publik yang ditunjuk mampu bekerja secara independen, memenuhi Standard profesional Akuntan Publik, dan memiliki perjanjian kerja serta ruang lingkup audit yang telah ditetapkan. b. Function of Internal Auditor • BPD Kaltim has implemented function of internal audit in all aspects and elements of bank activities effectively based on the requirements and procedures as regulated by provision of Bank Indonesia and Impelementation Standard of Comercial Bank Internal Audit Function. • To actualize an efective implementation of internal audit function, Internal Audit Work Unit SKAI has been established which is independent of operational work unit, and Branch Internal Control KIC in branch office of BPD Kaltim which is in charge of helping implementation of duty of SKAI in performing its function. • The Bank already has Bank Internal Audit Function Implementation Standard SPFAIB, by arranging the Internal Audit Charter in accordance to BPD Kaltim Board of Directors Decree No. 154 SK of BPD-PST XII 2007 dated December 17, 2007 as amended by the Board of Directors Decree No. 020 SK of BPD-PST I 2013 dated January 30, 2013 and Board of Directors Decree No. 161 SK of BPD-PST VII 2014 dated July 8, 2014 and Board of Directors Decree No. 134 SK of BPD-PST VI 2015 dated June 25, 2015. • Develop risk-based internal audit guidelines, as set forth in the Handbook of the Company concerning the Internal Audit Work Unit as the Board of Directors Decree No. 133 SK of BPD-PST VI 2015 dated June 25, 2015. • The Internal Audit Work Unit has conducted monitoring function independently with adequate task scope and in accordance with the planning, implementation and monitoring of the audit results. c. Function of External Auditor • In auditing inancial statements, Bank has appointed Public Accountant Firm Sriyadi, Elly, Sugeng, and Partners as the Public Accountants. • Appointing Public Accountant in order to make audit of annual financial statements based on recommendation of Audit Committee presented to Supervisory Board to get approval from General Meeting of Shareholders RUPS. • Public Accountant Firm Sriyadi, Elly, Sugeng, and Partners as the appointed Public Accountant are capable to work independently, fulfill the professional standard of public accountant, and have a job contract and established audit scope. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 174 d. Penerapan Manajemen Risiko dan Pengendalian Intern d.1 Pengawasan Aktif Dewan Pengawas dan Direksi Bank Pengawasan aktif Dewan Pengawas dan Direksi Bank, dilaksanakan melalui antara lain: • Evaluasi atas Rencana Bisnis Bank, dimana rencana bisnis tersebut merupakan kebijakan manajemen risiko Bank secara menyeluruh. • Melalui Komite Pemantau Risiko melakukan evaluasi atas Laporan Proil Risiko Bank yang disampaikan oleh Divisi Kepatuhan dan Manajemen Risiko. • Adanya pemantauan atas kepatuhan terhadap limit risiko yang telah ditetapkan oleh Bank. d.2 Kecukupan Kebijakan, Prosedur dan Penetapan Limit Kebijakan manajemen risiko Bank, dituangkan dalam Rencana Bisnis Bank. Dimana didalamnya terdapat penentuan batas risiko kredit yang dapat diterima antara lain Non Performing Loan NPL, penyediaan dana baik kepada sektor ekonomi maupun pihak terkait dan tidak terkait, Loan to Deposit Rasio LDR, GWM, dan PDN. d.3 Kecukupan Proses Identiikasi, Pengukuran, Pemantauan dan Pengendalian Risiko serta Sistem Informasi Manajemen Risiko Proses manajemen risiko Bank dapat dikatakan cukup memadai meski mengalami penurunan kualitas dalam penerapannya, hal ini ditandai dengan adanya peningkatan risiko inheren pada aktivitas perkreditan, operasional dan jasa, perencanaan strategik, dan pemenuhan peraturan Bank Indonesia masih terdapat kelemahan dalam pengelolaan risikonya. d.4 Sistem Pengendalian Intern Cakupan sistem pengendalian intern dalam penerapan manajemen risiko Bank, dapat dinilai sebagai berikut: • Pengendalian intern secara keseluruhan masih dilaksanakan oleh satuan kerja audit intern melalui Kontrol Intern Cabang KIC. Namun untuk Divisi kredit terdapat unit yang melakukan pemantauan dan pengendalian atas kredit yang diberikan; d. Implementation of Risk Management and Internal Control d.1 Active Supervision of Supervisory Board and Board of Directors of Bank Active Supervision of Supervisory Board and Board of Directors of Bank are carried out through some activities: • Evaluating on Bank Business Plan, in which that business plan is the policy of overall Bank Risk Management. • Through Risk Monitoring Committee evaluate the report of Bank Risk Profile reported by Compliance and Risk Management Division. • Presence of monitoring on compliance to risk limit that determined by Bank d.2 Sufficiency of Policy, Procedure and Limit Determination Policy of Bank Risk Management is set in Bank Business Plan in which there is the determination of acceptable credit risk limit such as Non Performing Loan NPL, provison of fund for sector of economy or related and unrelated parties, Loan to Deposit Rasio LDR, GWM, and PDN. d.3 Adequacy of Identification Process, Measurement, Monitoring and Risk Control and Risk Management Information System The Bank’s risk management process can be quite adequate despite the decline in the quality of implementation, this is shown by an increased of inherent risk in lending activities, operations and services, strategic planning, and compliance with Bank Indonesia regulations that are still a weaknesses in the risk management. d.4 Internal Control System Scope of internal control system in the implementation of risk management, can be assessed as follows: • Overall internal controls are still carried out by the internal audit work unit through the Internal Control Branch KIC. But for the credit division there are units that perform monitoring and control of loans; Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 175 • Terdapat penetapan wewenang dan tanggung jawab untuk pemantauan kepatuhan kebijakan, prosedur, dan limit; • Terdapat penetapan jalur pelaporan dan pemisahan fungsi yang jelas dari satuan kerja operasional kepada SKAI dan KIC. • Terdapat struktur organisasi yang menggambarkan secara jelas kegiatan usaha Bank; • Untuk pelaporan keuangan dan kegiatan operasional dapat dikatakan cukup akurat dan tepat waktu; • Prosedur untuk memastikan kepatuhan Bank terhadap ketentuan dan perundang-undangan yang berlaku belum cukup memadai; • Belum terdapat review yang efektif, independen, dan obyektif terhadap prosedur penilaian kegiatan operasional Bank; • Belum terdapat pengujian dan review yang memadai terhadap sistem informasi manajemen; • Dokumentasi atas cakupan, prosedur operasional, temuan audit, serta tanggapan pengurus Bank berdasarkan hasil audit dilaksanakan oleh Satuan Kerja Audit Intern SKAI dan Sekretariat Dewan Pengawas; • Terdapat veriikasi dan review secara berkala dan berkesinambungan terhadap penanganan kelemahan Bank yang bersifat material dan tindakan pengurus Bank untuk memperbaiki penyimpangan yang terjadi. e. Penyediaan Dana Kepada Pihak Terkait related party dan Penyediaan Dana Besar large exposure. No. Penyediaan Dana Fund Provision Dewan Pengawas | Board of Supervisory Debitur | Debtor Nominal jutaan rupiah Nominal Millions of rupiah 1. Kepada Pihak Terkait To Related Parties 38 12.561 2. Kepada debitur inti : To the debtor core: a. Individu | Individual 5 712.380 b. Group | Group 20 4.502.869 Total 5.215.249 • There is a determination of the authority and responsibility for monitoring the compliance on policies, procedures and limits; • There is a determination of reporting lines and a clear separation of the functions of the operating unit to the Internal Audit Work Unit and Branch Internal Control • There is an organizational structure that clearly illustrates the Bank’s business activities; • For the reporting of inancial and operational activities, it can be considered accurate and timely;. • Procedures to ensure the Bank compliance to the provisions and legislation that in force is not sufficient enough; • Lack of efective, independent, and objective review to the assessment procedure of the Bank’s operations; • Lack of adequate testing and review to the management information system; • Documentation on the scope, operational procedures, audit findings, as well as the Bank management response based on the results of audits conducted by the Internal Audit Unit SKAI and the Secretariat of the Supervisory Board; • There is a veriication and review regularly and continuously to the the handling of the material weaknesses of Bank and Bank management actions to correct deviations that occur. e. Provision of Funds To Related Parties and Large Exposure. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 176 f Rencana Strategis Bank f.1 Rencana jangka panjang corporate plan; Bank saat ini sedang melakukan review terhadap rencana jangka panjang corporate plan BPD Kaltim Tahun 2013-2017 sebagaimana diatur dalam Peraturan Bank Indonesia tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum. f.2 Rencana jangka menengah dan pendek business plan Bank membuat business plan sebagaimana ketentuan Peraturan Bank Indonesia tentang Rencana Bisnis Bank Umum, gambaran umum business plan yang disusun per posisi November 2015 adalah sebagai berikut : Permodalan Rasio CAR Bank Pembangunan Daerah Kalimantan Timur per September 2015 adalah sebesar 16,98, dengan Proyeksi Rasio CAR per Maret 2015 adalah sebesar 18,84, dimana pada Juni 2015 diproyeksikan meningkat menjadi 19,13 dan per September 2015 adalah sebesar 17,82, serta meningkat menjadi 19,56 per Desember 2015, sedangkan pada Desember 2016 dan 2017 diproyeksikan sebesar 20,17 dan 20,47. Kualitas Aset Rasio aset produktif bermasalah terhadap aset produktif adalah sebesar 5,27, serta Rasio NPL Gross dan NPL Netto posisi September 2015 adalah sebesar 9,87 dan 2,42, sementara total CKPN NPL yang dibentuk sebesar Rp. 1.242.837 Juta. Rentabilitas Rasio rentabilitas posisi September 2015 dan proyeksinya pada tahun 2016 secara umum digambarkan sebagaimana tabel berikut : RASIOINDIKATOR | RATIO INDICATOR Aktual | Actual Debitur | Debtor Return On Assets ROA Return On Assets ROA 1,51 2,01 Return On Equity ROE Return On Equity ROE 9,70 11,08 Capital Adequecy Ratio CAR Capital Adequecy Ratio CAR 16,98 19,09 Loan to Deposit Ratio LDR Loan to Deposit Ratio LDR 60,99 62,14 f. Bank Strategic Plan f.1 long term plan Corporate plan; Bank is currently conducting a review of the long term plan corporate plan of BPD Kaltim year 2013-2017 as stipulated in Bank Indonesia Regulation concerning Implementation of Good Corporate Governance for Commercial Banks. F.2 short and medium term plan business plan Bank makes business plans as stipulated in Bank Indonesia Regulation concerning Commercial Bank Business Plan, an overview of the business plan drawn up by the position of November 2015 are as follows: Capitalization CAR of Bank Pembangunan Daerah Kalimantan Timur by September 2015 amounted to 16.98, with CAR projections per March 2015 amounted to 18.84, whereas in June 2015 is projected to increase to 19.13 and per September 2015 amounted to 17, 82, and increased to 19.56 by December 2015, while in December 2016 and 2017 is projected at 20.17 and 20.47. Asset Quality The ratio of non-performing earning assets to the earning assets was 5.27, and the gross NPL ratio and Net NPL position of September 2015 amounted to 9.87 and 2.42, while total NPL Allowance for Impairment Losses formed Rp. 1,242,837 Million. Proitability The profitability ratio position of September 2015 and the projection for 2016 is generally described as the the following table: Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 177 Likuiditas Posisi Rasio LDR Loan to Deposit Ratio Bank Pembangunan Daerah Kalimantan Timur per September 2015 adalah sebesar 60,99, dengan Proyeksi Rasio LDR per Maret 2015 adalah sebesar 71,92, dimana pada Juni 2015 diproyeksikan menjadi 67,08 dan per September 2015 adalah sebesar 62,14, serta meningkat menjadi 67,21 per Desember 2015, sedangkan pada Desember 2016 dan 2017 diproyeksikan sebesar 67,33 dan 67,71. g Transparansi Kondisi Keuangan dan Non Keuangan Bank • Bank telah mentransparansikan kondisi keuangan dan non keuangan kepada stakeholders dan mempublikasikannya melalui media lokal surat kabar berbahasa Indonesia yang memiliki peredaran luas di tempat kedudukan Kantor Pusat Bank. • Bank menyusun laporan keuangan dengan tata cara, jenis dan cakupan sebagaimana diatur dalam ketentuan Bank Indonesia serta menyampaikannya kepada Bank Indonesia. • Bank mentransparansikan informasi produk dan tata cara pengaduan nasabah secara cukup memadai sesuai dengan ketentuan Bank Indonesia. • Mentransparansikan informasi produk dan tata cara pengaduan nasabah sesuai dengan ketentuan Bank Indonesia tentang Pengaduan Nasabah dan Mediasi Perbankan. • Bank menyusun laporan pelaksanaan good corporate governance dengan cakupan sebagaimana ketentuan yang berlaku dan menyajikannya dalam homepage bank www. bankaltim.co.id. RASIOINDIKATOR | RATIO INDICATOR Aktual | Actual Debitur | Debtor Biaya Operasional dibanding Pendapatan Operasional BOPO Operation Efficiency Biaya Operasional dibanding Pendapatan Operasional BOPO Operation Efficiency 91,12 87,1329 Net Interest Margin NIM Net Interest Margin NIM 5,84 5,55 Non Performing Loan NPL gross | Non Performing Loan NPL gross 9,87 7,64 Non Performing Loan NPL nett Non Performing Loan NPL nett 2,42 2,93 Liquidity LDR Loan to Deposit Ratio position of Bank Pembangunan Daerah Kalimantan Timur per September 2015 amounted to 60.99, with LDR projection per March 2015 amounted to 71.92, whereas in June 2015 is projected to be 67.08 and per September 2015 amounted to 62.14, and increased to 67, 21 by December 2015, while in December 2016 and 2017 is projected at 67.33 and 67.71. g. Transparancy of Financial and non-inancial conditions of Bank • Bank has made transparent its financial and non-financial conditions to the stakeholders and has published them on the local media of newspaper written in Indonesian whose the circulation is wide in area where the head office of the Bank is located in. • Bank compiles inancial statements with procedure, type and scope as regulated in provision of Bank Indonesia and reports them to Bank Indonesia. • Bank has made transparent the product information and the procedure of customers’ complaint adequately in accordance with stipulation of Bank Indonesia. • Make transparent the product information and procedures for customer complaints in accordance with the provisions of Bank Indonesia concerning Customer Complaints and Banking Mediation. • Bank compiles a report on the implementation of good corporate governance with a scope as the applicable regulations and presenting it in the bank homepage www.bankaltim.co.id. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 178 A. Kepemilikan Saham Anggota Dewan Pengawas Dan Direksi B. Hubungan Keuangan Dan Hubungan Keluarga Anggota Dewan Pengawas Dan Direksi • Sesama anggota Dewan Pengawas dan anggota Direksi serta Pemegang Saham Pengendalinya tidak memiliki hubungan keuangan sebagaimana dalam Surat Pernyataan. • Sesama Anggota Dewan Pengawas dan Anggota Direksi tidak memiliki hubungan kepengurusan dimana anggotanya tidak menduduki jabatan sebagai anggota Dewan Pengawas atau Direksi pada perusahaan dimana anggota Dewan Pengawas Bank menjadi anggota dewan Pengawas dan atau anggota Direksi. • Anggota Dewan Pengawas dan anggota Direksi belum memiliki saham masing- masing maupun secara bersama-sama sampai dengan 25 dua puluh lima persen • Sesama anggota Dewan Pengawas dan sesama anggota Direksi tidak memiliki hubungan keluarga sebagaimana diatur dalam Peraturan Bank Indonesia tentang Pelaksanaan Good Corporate Governance. No. Kepemilikan Saham mencapai 5 lima perseratus di: Shareholdings of 5 five percent: Dewan Komisaris Board Of Comissioner Direksi Director 1. BPD Kaltim | BPD Kaltim - - 2. Anak Perusahaan BPR Kutai Sejahtera Subsidiary BPR Kutai Sejahtera - 8,97 3. Anak Perusahaan BPR Kutai Timur Subsidiary BPR Kutai Timur - 1,57 4. Bank lain | Others Bank - - 5. Lembaga Keuangan Bukan Bank Non-Bank Financial Institutions - - 6. Perusahaan lainnya Others Company - - Total | Total - 10,54 Catatan : Dewan Pengawas dan Direksi BPD Kaltim secara individu maupun bersama-sama belum mempunyai kepemilikan saham yang mencapai 25 dua puluh lima persen. Note : Board of Supervisory and Director BPD Kaltim individually or jointly do not have an ownership interest reaching until 25 twenty-five percent A. Shares Ownership of Supervisory Board and Board of Directors B. Financial Relationships and Family Relations of the Supervisory Board and Board of Directors Members • Members of the Supervisory Board and the Board of Directors aa well as Controlling Shareholder has no financial relationship as in the Statement. • Among Member of the Board Supervisory and Member of Board of Directors does not have a management relationship in which the members do not occupy a position as member of the Supervisory Board or Board of Directors on the company in which members of Supervisory Board of Bank became a member of its Supervisory Board and or members of Board of Directors. • Member of the Supervisory Board and member of Board of Directors do not own shares individually or jointly up to 25 twenty five percent • Members of the Supervisory Board and other members of Board of Directors do not have family relationship as stipulated in Bank Indonesia Regulation concerning Implementation of Good Corporate Governance. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 179

C. Kebijakan Remunerasi Dan Fasilitas Lain Dewan Pengawas Dan Direksi

d.1 Jenis remunerasi dan fasilitas lain bagi seluruh anggota Dewan Pengawas dan Direksi d.2 Remunerasi jumlah anggota Dewan Pengawas dan Direksi selama 1 satu tahun dalam kisaran tingkat penghasilan. D. Shares Option D. Shares Option No. Jenis Remunerasi dan Fasilitas lain Type of Remuneration and Other Facilities Jumlah diterima dalam 1 Tahun | Amount received in 1 Year Dewan Pengawas Board of Supervisory Direksi | Directors Orang | Person Jutaan Rupiah Million Rupiahs Orang | Person Jutaan Rupiah Million Rupiahs 1. Remunerasi gaji, bonus, tunjangan rutin, tantiem, dan fasilitas lainnya dalam bentuk non-natura Remuneration Salary, Bonus, Allowance Routine, Tantiem, and Others Facility in the form of non-natura 4 2.927 5 9.554 2. Fasilitas lain dalam bentuk natura perumahan, transportasi, asuransi kesehatan dan sebagainya yang : | Others Facility in kind natura housing, transportation, healt insurance and etc that : 1 238 5 1.545 a. Dapat dimiliki | Be owned b. Tidak dapat dimiliki | Can not be held Total | Totals 3.165 11.098 KeteranganNama | Description Name Jumlah saham yang dimiliki lembar saham The number of shares held shares Jumlah Opsi | Number of Options Harga Opsi Rupiah Price Option Rupiah Jangka Waktu Time of period Yang diberikan lembar saham Given share Yang telah dieksekusi lembar saham Executed shares Dewan Pengawas | Board of Supervisory nama | name - - - - - Direksi | Director nama | name - - - - - Pejabat Eksekutif | Executive officer total | totals - - - - - Total - - - - - Jumlah Remunerasi per Orang dalam 1 tahun Total Remuneration per person in 1 year Jumlah Direksi Total Director Jumlah Dewan Pengawas Total Board of Supervisory Di atas Rp 2 miliar | Over USD 2 billion 4 - Di atas Rp 1 miliar s.d. Rp 2 miliar Over USD 1 billion until Rp 2 billion 1 2 Di atas Rp 500 juta s.d. Rp 1 miliar The above Rp 500 million until Rp 1 billion - 2 Rp 500 juta ke bawah | Rp 500 million down - - yang diterima secara tunai | received in cash Catatan : Selama tahun 2015 sebagaimana Anggaran Dasar, Bank tidak memiliki kebijakan atas share option sehingga tidak terdapat jumlah saham yang dapat dimiliki oleh Dewan Pengawas, Direksi maupun Pejabat Eksekutif. Note : During 2015, as the Articles of Association, Banks do not have a policy on share options and so there is no the number of total shares that can be owned by the Supervisory Board, the Board of Directors and Executive Officers. C. Remuneration Policy And Other Facilities of the Supervisory Board and Board of Directors d.1 Type of remuneration and other facilities for all members of the Supervisory Board and Board of Directors d.2 Remuneration based on the number of members of of the Supervisory Board and Board of Directors for one 1 year in the range of income levels. Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 180 E. Rasio Gaji Tertinggi Dan Terendah E. Ratio of the Highest and the Lowest Salaries Tabel 19 Agenda Rapat Dewan Pengawas Bank Pembangunan Daerah Kalimantan Timur Tahun 2015 Table 19 Meeting Agenda of Supervisory Board of Bank Pembangunan Daerah Kalimantan Timur 2015 F. Frekuensi Rapat Dewan Pengawas F. Meeting Frequency of Supervisory Board No. Gaji | Salary Rasio Ratio 1. Gaji Pegawai tertinggi dan terendah | The Employee’s highest and lowest salaries 9,85 : 1 2. Gaji Direksi tertinggi dan terendah | The Board of Director highest and lowest salaries 1,11 : 1 3. Gaji Dewan Pengawas tertinggi dan terendah | The Supervisory Board’s highest and lowest salaries 1,11 : 1 4. Gaji Direksi tertinggi dan Pegawai tertinggi | The Board of Director’s highest salary and the employees’ highest salary 2,5 : 1 No. Rapat | Meetings Waktu | Time 1. Rapat Dewan Pengawas Meeting of Supervisory Board 1 satu bulan sekali 1 one month 2. Rapat Dewan Pengawas dengan Direksi Meeting of Supervisory board with Board of Director 3 tiga bulan sekali 3 three month 3. Rapat Dewan Pengawas lainnya yang dianggap perlu Meeting of Supervisory board if necessary Insidentil | Incidental Catatan : Rasio gaji dihitung berdasarkan penghasilan bruto pada daftar gaji pengurus dan pegawai bulan Desember 2015. | Note : Pay ratio is calculated based on gross income in payroll administrators and employees in December 2015. No. Tanggal | Date Keterangan | Remarks 1. 07 Januari 2015 January 07, 2015 Rapat Bulanan Desember 2014 Monthly meeting December 2014 2. 04 Februari 2015 February 04, 2015 Rapat Bulanan Januari 2015 Monthly meeting January 2015 3. 17 Maret 2015 March 17, 2015 Rapat Bulanan Februari 2015 Monthly meeting February 2015 4. 29 April 2015 April 29,2015 Rapat Bulanan Maret 2015 Monthly meeting March 2015 5. 27 Mei 2015 May 27, 2015 Rapat Bulanan April 2015 Monthly meeting April 2015 6. 10 Juni 2015 June 10, 2015 Rapat Bulanan Mei 2015 Monthly meeting May 2015 7. 14 Juli 2015 July 14, 2015 Rapat Bulanan Juni 2015 Monthly meeting June 2015 8. 04 Agustus 2015 August 04, 2015 Rapat Bulanan Juli 2015 Monthly meeting July 2015 No. Tanggal | Date Keterangan | Remarks 9. 19 Agustus 2015 August 19, 2015 Rapat Bulanan Agustus 2015 Monthly meeting August 2015 10. 10 Sept 2015 September 10, 2015 Rapat Bulanan September 2015 Monthly meeting September 2015 11. 27 Oktober 2015 October 27, 2015 Rapat Bulanan Oktober 2015 Monthly meeting October 2015 12. 19 Nov 2015 November 19, 2015 Rapat Bulanan November 2015 Monthly meeting November 2015 13. 21 Des 2015 December 21, 2015 Rapat Bulanan Desember 2015 Monthly meeting December 2015 14. 27 April 2015 April 27, 2015 Rapat Triwulan I 2015 Quarterly Meeting I 2015 15. 04 Agustus 2015 August 04, 2015 Rapat Triwulan II Tahun 2015 Quarterly Meeting II 2015 16. 04 Nov 2015 November 04, 2015 Rapat Triwulan III Tahun 2015 Quarterly Meeting III 2015 Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 181 G. Jumlah Penyimpangan Internal Internal Fraud G. Number of Internal Fraud H. Permasalahan Hukum H. Legal Case

I. Transaksi Yang Mengandung Benturan Kepentingan

I. Transaction Contains conlicts of interest Internal Fraud dalam 1 tahun Internal Fraud in 1 Year Jumlah kasus yang dilakukan oleh | The number of cases is done by Pengurus Administrators Pejabat Eksekutif Executive Officer Pegawai Tetap Permanent Employee Pegawai tidak tetap Non-Permanent Employee Thn sblmnya Previous Year Thn berjalan Curent Year Thn sblmnya Previous Year Thn berjalan Curent Year Thn sblmnya Previous Year Thn berjalan Curent Year Thn sblmnya Previous Year Thn berjalan Curent Year Total Fraud | Total Fraud - - - - 3 4 4 3 Telah diselesaikan | Solved - - 3 3 4 2 Dalam proses penyelesaian di internal Bank In process of solving in internal Bank - - - - - 1 - 1 Belum diupayakan penyelesaiannya Not in resolution efforts - - - - - - - - Telah ditindaklanjuti melalui proses hukum Followed up in legal proceedings - - - - - Permasalahan Hukum Legal Case Jumlah | Number Perdata | Civil Pidana | Criminal Telah selesai telah mempunyai kekuatan hukum yang tetap Solved having binding legal force 5 - Dalam proses penyelesaian In process of solving 6 3 Total 11 3 No. Nama dan Jabatan yang Memiliki Benturan Kepentingan Name and Position of those who have conflict of interest Nama dan Jabatan Pengambil Keputusan Name and position of Decision Maker Jenis Transaksi Transaction Type Nilai Transaksi jutaan Rupiah Transaction Value million rupiah Keterangan Remarks - - - - - - - - - - - - - - - - - - - - Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 182

J. Buy back shares dan buy back obligasi bank

- J. Buy Back Shares and Buy Back of Bank Obligation -

K. Pemberian dana untuk kegiatan sosial dan kegiatan politik

K. Fund Distribution for Social and Political Activities Manajemen Risiko BPD Kaltim secara konsisten menerapkan manajemen risiko dalam setiap aktivitas usaha termasuk pada aktivitas operasional dan non operasional.Penerapan manajemen risiko juga menjadi kepedulian setiap level organisasi. Pengelolaan risiko di BPD Kaltim mencakup 8 delapan jenis risiko sesuai dengan ketentuan Bank Indonesia, yang diimplementasikan pada unit satuan kerja manajemen risiko konvensional. Pengelolaan risiko terus diupayakan sejalan dengan Road Map Basel I dan Basel II serta ketentuan Bank Indonesia dan Otoritas Perbankan antara lain: • Peraturan Bank Indonesia Nomor 1125 PBI2009 tentang Perubahan atas Peraturan Bank Indonesia Nomor 58PBI2003 tentang Penerapan Manajemen Risiko Bagi Bank Umum • Peraturan Bank Indonesia Nomor 131PBI2011 tanggal 5 Januari 2011 tentang Penilaian Tingkat Kesehatan Bank Umum • Surat Edaran Bank Indonesia Nomor 1324 DPNP tanggal 25 Oktober 2011 perihal Penilaian Tingkat Kesehatan Bank Umum • Surat Edaran Bank Indonesia Nomor 1324 DPNP tanggal 25 Oktober 2011 perihal Pemberian Dana Untuk : Fund Distribution for : Keterangan Explanation Nilai Value Kegiatan Sosial | Social Activities Bantuan Pendidikan, Bantuan Sosial, Bantuan Korban Bencana Alam Educational aid, social aid and aid for victims of natural disaster Rp.2.783.748.775,- Total Rp.2.783.748.775,- Kegiatan Politik | Political Activities - - Total - - Catatan : Sebagaimana ketentuan yang berlaku pada BPD Kaltim code of conduct, tidak diperkenankan memberikan dana untuk kegiatan politik. Note : As the applicable regulation in BPD Kaltim code of Conduct, distributing the fund for political affair activities is not allowed. Risk management BPD Kaltim consistently apply risk management in any business activities, including the activities of non operasional. Operational application and risk management are also a concern every level of risk in BPD Kaltim organization. Management includes eight 8 types of risk in accordance with the provisions of Bank Indonesia, which is implemented in unit of conventional risk management work. Risk management continues to be pursued in line with the Road Map Basel I and Basel II as well as the provisions of Bank Indonesia and Banking Authority, among others: • Bank Indonesia Regulation Number 1125 PBI 2009 on Amendment to Bank Indonesia Regulation No. 58 PBI 2003 regarding Implementation of Risk Management for Commercial Banks • Bank Indonesia Regulation Number 131 PBI 2011 dated January 5, 2011 on the Assessment of Commercial Banks • Bank Indonesia Circular Letter No. 1324 DPNP dated October 25, 2011 concerning Commercial Bank Rating • Bank Indonesia Circular Letter No. 1324 DPNP dated October 25, 2011 concerning Amendment Laporan Tahunan 2015 | BANKALTIM 2015 annual report | BANKALTIM 183