Bank Agris Tbk 2015 Bank Agris Tbk 2015
LAPORAN
TAHUNAN
2015
ANNUAL REPORT
Bersama Nasabah Aktif Membangun dan Memajukan Agribisnis Indonesia
Altogether With Customers, Actively Building and Advancing Indonesian Agribusiness
dAfTAR ISI
TABLE oF coNTENTS
04
05
06
06
07
07
07
08
08
IKHTISAR KINERJA
perFormanCe hiGhliGhts
Ikhtisar Keuangan
Financial Highlights
INfORMASI BAGI INVESTOR
inFormation For investors
32
Laporan Laba Rugi
Profit & Loss Statements
78
Sekretaris Perusahaan
Corporate Secretary
Company business
53
Laporan Posisi Keuangan
Financial Statements
79
Unit Audit Internal
Internal Audit Unit
32
Sekilas tentang Perseroan
Company in Brief
58
Laporan Arus Kas
Statement of Cash Flows
80
Akuntan Publik
Public Accountant
33
Profil Perusahaan
Company Profile
59
Target dan Pencapaian Tahun 2015
Projection and Realization in 2015
80
Manajemen Resiko
Risk Management
33
Visi dan Misi Perusahaan
Vision and Mission of the Company
59
Perubahan Kebijakan Akuntansi
Changes in Accounting Policy
85
Sistem Pengendalian Intern
Internal Control Unit
59
Ikatan Material atas Investasi Barang Modal
Material Bond towards Investment Capital Goods
85
Perkara Penting yang Dihadapi Perusahaan
Legal Matters Confronting by the Company
59
Informasi Material Mengenai Investasi, Ekspansi,
Divestasi, Akuisisi dan Restrukturisasi Hutang/Modal
Material Information Regarding Invesments, Expansion,
Divestment, Acquisition and Restructuring Debt/Capital
86
Akses Informasi dan Data Perusahaan
Access of Information and Corporate Data
86
Kode Etik
Code of Ethics
86
Budaya Perusahaan
Corporate Culture
87
Sistim Whistleblowing
Whistleblowing System
35
Hasil Rapat Umum Pemegang Saham Tahun 2015
Result of Annual General Meeting of
Shareholders in 2015
Struktur organisasi
Organizational Structure
36
Perusahaan dalam Satu Kelompok Usaha dengan Bank
Companies in One Business Entity with the Bank
Struktur Permodalan
Capital Structure
36
Mitra Usaha
Business Partners
Ikhtisar Saham
Stocks Highlights
36
Lembaga Penunjang Pasar Modal
Capital Market Institution and Professionals
Ikhtisar obligasi
Bonds Highlights
37
Peta Wilayah dan Jaringan Kantor
Map Area and Office Network
60
Kronologi Pencatatan Saham
Share Listing Chronology
Perubahan Peraturan Perundang-undangan
Changes in Legislation
38
Pengelolaan Sumber Daya Manusia
Human Resources Management
60
Realisasi Dana Penawaran Umum
Public Offering Realization
38
Pelatihan di Tahun 2015
Trainings in 2015
61
38
Komposisi Sumber Daya Manusia
Human Capital Composition
Transaksi yang Mengandung Benturan Kepentingan
dan Transaksi dengan Afiliasi
Conflict of Interest Transactions and Transactions
with Affiliates
39
Produk dan Jasa Perbankan
Banking Products and Services
Program Kepemilikan Saham oleh Karyawan
dan/atau Manajemen (ESoP/MSoP)
Share Ownership Program by Employees and/or
Management (ESOP/MSOP)
09
Komposisi Pemegang Saham
Shareholders Composition
09
Kebijakan Dividen dan Jumlah Dividen
Dividend Policy and Total Dividend
40
10
51
BISNIS PERUSAHAAN
LAPORAN MANAJEMEN
41
manaGement report
42
12
Laporan Dewan Komisaris
Report from the Board of Commissioners
16
Profil Dewan Komisaris
The Board of Commissioners Profile
18
Laporan Direksi
Report from the Board of Directors
22
Profil Direksi
The Board of Directors Profile
24
Profil Pejabat Eksekutif
Executive Officers Profile
43
44
Penempatan Dana
Fund Placement
Produk Treasury
Treasury Products
60
62
Informasi dan Fakta Material Setelah Tanggal
Laporan Akuntan
Information and Material Facts Subsequent
Accounting Reports
TATA KELOLA PERUSAHAAN
YANG BAIK
Good Corporate GovernanCe
62
Informasi Umum
General Infromation
63
Struktur Tata Kelola Perusahaan
Corporate Governance Structure
64
Rapat Umum Pemegang Saham
General Meeting of Shareholders
65
ANALISA dAN PEMBAHASAN
MANAJEMEN
Dewan Komisaris
The Board of Commissioners
68
manaGement and disCussion
analysis
Direksi
The Board of Directors
70
Komite Audit
Audit Committee
73
Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee
Layanan ATM
ATM Services
Peranan Teknologi Informasi
Importance of Information Technology
44
Tinjauan operasional
Operational Review
46
Aspek Pemasaran
Marketing Aspects
49
Prospek dan Strategi Usaha Perseroan
Prospect & Business Strategy of the Company
76
Komite-komite Lain di Bawah Dewan Komisaris
Other Committees under the Board of Commissioners
77
Komite-komite di Bawah Direksi
Committees under the Board of Directors
88
TANGGUNG JAWAB SOSIAL
& LINGKUNGAN
Corporate soCial and
environmental responsibility
88
Tanggung Jawab Lingkungan
Environmental Responsibility
89
Tenaga Kerja, Kesehatan, dan Keselamatan Kerja
Labour, Health and Work Safety
89
Pengembangan Sosial dan Komunitas
Social and Community Development
90
Tanggung Jawab Kepada Konsumen
Corporate Social Responsibility to Customers
91
PERNYATAAN dEWAN
KOMISARIS dAN dIREKSI
responsibility statement oF
the board oF Commissioners
and direCtors
92
LAPORAN KEUANGAN
KONSOLIdASI
Consolidated FinanCial
statement
4 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Ikhtisar Kinerja
Performance Highlights | Annual Report 2015 | PT Bank Agris Tbk |
IKHTISAR KEUANGAN
FINANcIAL HIgHLIgHTS
deskripsi / Description
2015
2014
2013
122.661
79.602
62.968
LAPORAN KEUANGAN / FINANCIAL REPORT
(Dalam Jutaan Rupiah / In Millions of Rupiah)
Pendapatan Bunga Bersih / Interest Income Net
Laba operasi / Operating Income
6.450
6.774
14.396
Laba Sebelum Pajak / Income Before Tax
6.450
8.256
14.396
Laba Bersih / Net Income
3.905
4.451
12.629
4.483.927
3.683.699
2.253.165
Kredit yang Diberikan / Loan (Nett)
2.745.252
2.438.290
1.758.224
Simpanan Nasabah / Deposits from Customers
3.494.487
3.482.969
2.058.575
Aset Produktif / Productives Assets
Pinjaman yang Diterima / Borrowings
-
-
-
567.097
465.229
371.988
18,23
18,41
18,68
cAR dengan Memperhitungkan Risiko Pasar / CAR by Considering Credit, Operational and Market Risk
8,12
18,36
18,66
Aset Tetap Terhadap Modal / Fixed Asset to Equity
15,02
14,25
16,25
0,86
0,44
0,27
Ekuitas - Bersih / Shareholders’ Equity - Net
RASIO KEUANGAN PERMOdALAN / FINANCIAL RATIO CAPITAL
(Dalam % / In Percent)
cAR dengan Memperhitungkan Risiko Kredit / CAR by Considering Credit Risk
IKHTISAR KINERJA
PERFoRMANcE HIgHLIgHTS
KUALITAS ASET/AKTIVA PROdUKTIf BERMASALAH / Asset Quality/Non Performing
(Dalam % / In Percent)
Aset yang Diperoleh / Earning Assets
PENdAPATAN
BUNGA (BERSIH)
INTEREST INcoME (NET)
JUMLAH ASET
dANA PIHAK KETIGA
ToTAL ASSETS
THIRD PARTy FUNDS
dalam jutaan Rupiah / in Million Rupiah
dalam jutaan Rupiah / in Million Rupiah
0,28
0,02
0,05
Pemenuhan PPA Produktif / Compliance for Possible Losses on Earning Assets
15,75
1,50%
5,92
Pemenuhan PPA Non-Produktif / Compliance for Allowance Possible Losses on Non Earning Assets
-
-
-
NPL gross / NPL Gross
1.75
0,67
0,34
NPL Net / NPL Net
1.47
0,66
0,28
RoA
0,17
0,26
0,77
RoE
0,90
1,30
4,01
PROfITABILITAS / PROFITAbILITy
(Dalam % / In Percent)
dalam jutaan Rupiah / in Million Rupiah
122.661
4.217.368
3.494.487
4.101.329
3.482.969
79.602
2.058.575
62.968
PPA Produktif terhadap Aktiva Produktif / Allowance for Possible Losses on Earning Assets
NIM
3,24
2,78
4,12
BoPo
98,41
97,53
92,47
78,84
70,02
85,47
Pihak Terkait / Related Parties
-
-
-
Pihak Tidak Terkait / Third Parties
-
-
-
-
-
-
LIKUIdITAS / LIQuIDITy
(Dalam % / In Percent)
2.507.780
Rasio Kredit terhadap Dana Pihak Ketiga / Loan to Deposit Ratio (LDR)
Persentase Pelanggaran BMPK / Percentage Violation of Legal Lending Limit
Persentase Pelampauan BMPK / Percentage of Lending in Excess of Legal Lending
2013
2014
PENdAPATAN
BUNGA BERSIH
Interest Income - Net
2015
+54,09 %
2013
JUMLAH
ASET
Total Assets
2014
2015
+2,83 %
2013
2014
dANA PIHAK
KETIGA
Third Party Funds
2015
+0,33 %
Pihak Terkait / Related Parties
Pihak Tidak Terkait / Third Parties
-
-
-
gMW Rupiah / Minimum Reserve Requirement Rupiah
7,53
17,23
18,76
Posisi Devisa Net / Net Open Positions
0,32
1,25
0,66
5
6 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Informasi Bagi Investor
Information for Investors | Annual Report 2015 | PT Bank Agris Tbk |
Rapat Umum Pemegang Saham Luar Biasa
(RUPSLB) 9 Juni 2015
Extraordinary General Meeting of Shareholders
(EGMS) June 9, 2015
Menyetujui Perubahan Anggaran Dasar Bank, sehubungan dengan
ketentuan otoritas Jasa Keuangan (oJK) tentang Rencana dan
Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan
Terbuka, dan merubah Anggaran Dasar Bank, sehubungan dengan
ketentuan oJK tentang Direksi dan Dewan Komisaris Emiten atau
Perusahaan Publik.
Approval of Amendment of Articles of Association of the Bank, in
relation to the Financial Services Authority (FSA) discussing about
planning and execution of Public company’s general Meeting of
Shareholders, related to FSA’s regulation dealing with Board of
Directors and commissioners in Public Listed company.
Rapat Umum Pemegang Saham Luar Biasa
(RUPSLB) 8 desember 2015
Extraordinary General Meeting of Shareholders
(EGMS) desember 8, 2015
Menyetujui penambahan modal dengan mengeluarkan sebanyakbanyaknya 1.270.655.670 (satu miliar dua ratus tujuh puluh juta
enam ratus lima puluh lima ribu enam ratus tujuh puluh) saham
baru dari portepel, dengan menerbitkan Hak Memesan Efek
Terlebih Dahulu (HMETD) dalam Penawaran Umum Terbatas I (PUT
I), dengan nilai nominal sebesar Rp. 100,- (seratus Rupiah) per
saham, pada Harga Pelaksanaan yaitu sebesar Rp. 100,- (seratus
Rupiah) per saham.
Approval of increasing capital by releasing as much as
1.270.655.670 (one billion two hundred seventy million six
hundred fifty five thousand six hundred seventy) new shares from
unissued company portfolio, by releasing Limited Public offering I
with nominal value Rp. 100. (one hundred Rupiah) per share, on
performing price Rp. 100 (one hundred Rupiah) per share.
STRUKTUR PERMOdALAN
cAPITAL STRUcTURE
INfORMASI BAGI INVESTOR
INFoRMATIoN FoR INVESToRS
Pada tahun 2015, Bank melaksanakan Penawaran Umum Terbatas
I (PUT I), dengan tanggal pencatatan saham baru di Bursa Efek
Indonesia sejak 23 Desember 2015 sampai dengan 6 Januari 2016.
Modal ditempatkan dan disetor Bank hasil PUT I menjadi Rp. 5.256
juta.
In 2015, the Bank performed Limited Public offering I, which dated
Statement of New Shares in Indonesian Stock Exchange from
December 23, 2015 to January 6, 2016. capital as the result of
Limited Public offering I was placed and paid up by Bank, had
accumulated to Rp. 5.256 million.
IKHTISAR SAHAM
HASIL RAPAT UMUM PEMEGANG SAHAM TAHUN 2015
RESULT oF ANNUAL gENERAL MEETINg oF SHAREHoLDERS IN 2015
Rapat Umum Pemegang Saham Tahunan
(RUPST) 9 Juni 2015
Annual General Meeting of Shareholders on
(AGMS) June 9, 2015
Persetujuan atas Laporan Tahunan Bank dan pengesahan atas
perhitungan laporan keuangan tahunan Bank untuk tahun buku
2014; serta memberikan pembebasan dan pelunasan (acquit
et decharge) sepenuhnya kepada Direksi dan Dewan Komisaris
Bank; persetujuan atas penggunaan laba bersih Bank Tahun Buku
2014; persetujuan untuk memberikan kewenangan kepada Dewan
Komisaris untuk menetapkan besarnya remunerasi dan/atau
tunjangan lain bagi Anggota Direksi dan Dewan Komisaris Bank
untuk Tahun Buku 2015; persetujuan untuk memberikan wewenang
kepada Dewan Komisaris untuk menunjuk Kantor Akuntan Publik
yang akan melakukan audit terhadap Laporan Keuangan Bank
untuk tahun buku 2015 dan periode-periode lainnya dalam tahun
buku 2015 (apabila diperlukan) serta untuk menetapkan honorarium
Akuntan Publik beserta persyaratan-persyaratan lainnya; Laporan
Realisasi Penggunaan Dana Hasil Penawaran Umum.
The Approval for the Annual Report 2014 and the verification
of Bank’s annual financial report for 2014 period; also granting
exemption and repayment in full to the Board of Directors and
commissioners; Approval for Bank’s Nett Profit Utilization in 2014;
Approval in letting Board of commissioners to set the amount
of remuneration and/or other benefits for members of Board of
Directors and commissioners for 2015 period; Approval for Board
of commissioners in nominating Public Accountant to audit the
Bank’s financial report in 2015 and anything related within the
same years (if needed) as well as determining emoluments for
certified Public Accountant including other requirements such as
the Realization Report of Public offering Fund.
STocK HIgHLIgHTS
Tahun
Year
Tertinggi
Highest
Terendah
Lowest
Penutup
Closing
Volume Transaksi Lembar
Shares Transaction Volume
Nilai Rupiah
Value in Rp.
2014
187
160
143
6.973.200
1.261.586.100
Kuartal 1
148
148
148
100
14.800
Kuartal 2
144
121
121
57.500
7.200.500
Kuartal 3
121
106
116
5.400
595.900
Kuartal 4
89
85
85
5.100
435.200
2015
IKHTISAR OBLIGASI
BoNDS HIgHLIgHTS
Hingga akhir tahun 2015, Bank belum menerbitkan obligasi,
sehingga informasi terkait hal ini tidak tersedia.
Until the end of 2015, the Bank had not issued any bonds, so the
information related with this matters were not available.
7
8 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Informasi Bagi Investor
Information for Investors | Annual Report 2015 | PT Bank Agris Tbk |
KRONOLOGI PENcATATAN SAHAM
KEBIJAKAN dIVIdEN dAN JUMLAH dIVIdEN
SHARELISTINg cHRoNoLogy
DIVIDEND PoLIcy AND ToTAL DIVIDEND
Aksi Korporasi
Corporate Action
1.
IPO: tercatat di BEI tanggal 22 desember
2014. Jumlah saham baru yang diterbitkan
sebanyak 900.000.000 lembar saham.
IPO, dated December 22, 2014 Number of
Shares after IPO (listed on IDX)
Pemilik Saham
Shares Ownership
pt dian intan perkasa
3.324.066.625
78,48%
benjamin Jiaravanon
11.452.275
0,27%
masyarakat / public
900.000.000
21,25%
Persen
(%)
Pada tahun 2015, Bank melaksanakan PUT
I, dengan tanggal pencatatan saham baru di
BEI sejak 23 desember 2015 sampai dengan
6 Januari 2016.
In 2015, the Bank performed Limited Public
Offering I, which dated Statement of New
Shares in BEI from December 23, 2015 to
January 6, 2016.
4.235.518.900
100%
JUMLAH / TOTAL
2.
Jumlah Lembar
Saham Akhir Periode
Total Shares
by End of Period
Nilai
Value
(Rp.)
pt dian intan perkasa
4.341.286.612
82,59%
benjamin Jiaravanon
14.887.957
0,28%
masyarakat / public
900.002.075
17,12%
PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN
dAN/ATAU MANAJEMEN (ESOP/MSOP)
SHARE oWNERSHIP PRogRAM By EMPLoyEES
AND/oR MANAgEMENT (ESoP/MSoP)
Pada IPo tahun 2014, Bank memberikan saham ESA (Employee
Stock Allocation) kepada karyawan sebanyak 550.000 lembar. Pada
Penawaran Umum Terbatas I tahun 2015, tidak ada perubahan pada
saham ESA.
In IPo 2014, the Bank distributed ESA (Employee Stock Allocation)
to its employees of 550,000 shares. In Limited Public offering I in
2015, there was no changes to ESA shares.
KOMPOSISI PEMEGANG SAHAM
SHAREHoLDERS coMPoSITIoN
Setelah pelaksanaan Penawaran Umum Terbatas I dan tercatatnya
saham baru di Bursa Efek Indonesia per Januari 2016, maka
komposisi pemegang saham Bank menjadi:
Pemilik Saham
Shareholders
According to Limited Public offering I and the rise of additional
shares in Indonesian Stock Exchange, the shareholders
composition became:
Saham / Shares
Komposisi / Composition
pt dian intan perkasa
4.341.286.612
82,59%
benjamin Jiaravanon
14.887.957
0,28%
masyarakat / public
(termasuk di dalamnya
uob Kay hian pte ltd 8,45%)
900.002.075
17,12%
The policy of Bank’s dividend distribution was set based on the
shareholders decision in Annual general Meeting of Shareholders
based on the recommendation of the Board of Directors. The Bank
could distribute dividend in the year in which the Bank recorded
positive retained earnings with reserve based on the UUPT.
Bank dapat memberikan usulan pembagian dividen kas sebanyakbanyaknya 30% dari laba tahun berjalan, dimulai tahun 2015
berdasarkan laba tahun berjalan tahun buku 2014, dengan
mempertimbangkan berbagai macam faktor meliputi keberhasilan
dan mengimplementasikan strategi bisnis, keuangan, persaingan
dan peraturan otoritas perbankan yang berlaku khususnya faktor
kecukupan modal (cAR), kondisi perekonomian secara umum dan
faktor-faktor lain yang spesifik terkait industri perbankan.
The Bank could provide a cash dividend proposal as much as
30% form the profit of the year, starting in 2015 based on the
profit of the year 2014, by taking into account various factors
including the success and implementation of business strategy,
financial, competition and regulatory banking authority that applied
particularly in capital adequacy ratio (cAR), economic condition in
general and other specific factors related with the banking industry.
Pada tahun 2015, kebijakan pembagian dividen Bank berdasarkan
hasil RUPST 2014 adalah Bank belum dapat membagikan dividen
kepada Pemegang Saham, mengingat Bank masih memerlukan
In 2015, dividend distribution policy was derived from the result of
Annual general Meeting of Shareholders in 2014 instructing Bank
to delay divident distribution to shareholders, knowing the Bank
still needed fund to revitalize its business and operations.
5.256.176.644
100%
JUMLAH / TOTAL
Kebijakan pembagian dividen Bank ditetapkan berdasarkan
keputusan pemegang saham pada RUPS Tahunan berdasarkan
rekomendasi Direksi. Bank dapat membagikan dividen pada
tahun dimana Bank mencatatkan saldo laba ditahan positif setelah
dikurangi dengan cadangan berdasarkan UUPT.
biaya untuk pengembangan usaha Bank.
9
10 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan Manajemen
Management Reports | Annual Report 2015 | PT Bank Agris Tbk |
Amin Handaya
Paulus Nurwadono
Rochhidayat Taepur
Sia Leng Ho
Bang Nathan christian
Ardian Hak
Maria Cortilia Vera Aianti
Komisaris independen
Independent Commissioner
Komisaris utama
President Commissioner
Komisaris independen
Independent Commissioner
direktur utama
(independen)
President Director
(Independent)
Wakil direktur utama
(independen)
President Director
(Independent)
direktur Kepatuhan
(independen)
Director of Compliance
(Independent)
direktur (independen)
Director (Independent)
LAPORAN MANAJEMEN
MANAgEMENT REPoRTS
11
12 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan dewan Komisaris
Report from the Board of commissioners | Annual Report 2015 | PT Bank Agris Tbk |
LAPORAN dEWAN KOMISARIS
REPoRT FRoM THE BoARD oF coMMISSIoNERS
Paulus Nurwadono
Komisaris Utama
President Commissioner
Bank akan mempertegas usahanya di bidang agribisnis
dengan memulai dukungan pada sektor peternakan
dan perikanan.
bank will strenghten their efforts in agribusiness
by initiating support to poultry and ishery.
13
14 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan dewan Komisaris
Report from the Board of commissioners | Annual Report 2015 | PT Bank Agris Tbk |
Para pemegang saham yang kami hormati,
Dear honored shareholders
PENILAIAN ATAS
KINERJA dIREKSI
ASSESSMENT ON THE BOARd Of
dIREcTORS’ PERfORMANcE
Kondisi perekonomian yang kurang menguntungkan sejak 2014,
masih berlanjut di 2015. Laju pertumbuhan ekonomi hanya
mencapai 4,7% akibat dari ketidakpastian global yang terus
berlanjut dibarengi dengan minimnya penggerak pertumbuhan
ekonomi domestik. Sektor komoditi yang beberapa tahun lalu
menjadi mesin penggerak pertumbuhan ekonomi masih terpuruk,
sedangkan permintaan ekspor juga terganggu karena lemahnya
pertumbuhan ekonomi di Eropa, Amerika Serikat, Jepang, dan
china.
The unsavory financial condition that started since 2014 still
continued in 2015. The economic growth only scaled up to 4.7%
due to the global instability that had been continuing along side
with minimum domestic economy growth. commodities sector
which several years ago had been the engine of this country’s
economic growth, still suffered from the crisis. on the other hand,
export demands had also been disturbed because of low economic
growth in Europe, United States, Japan and china.
Kondisi tersebut menyebabkan non performing loan (NPL) industri
perbankan secara rata-rata mengalami peningkatan dibandingkan
tahun 2014. Namun di tengah trend peningkatan NPL tersebut,
Bank Agris tetap menunjukkan jati dirinya sebagai bank kecil yang
konservatif dengan mencatatkan NPL bruto hanya sebesar 1,75%.
Apresiasi kepada Direksi Bank atas kehati-hatian yang ditunjukkan
di tengah tendensi penurunan kualitas kredit perbankan tersebut.
Those conditions had caused NPL banking industry in general
experiencing improvement compared to 2014. However, in the
middle of NPL increasing trend, Bank Agris kept on showing its
true identity as a conservative small bank by recorded bruto NPL
only as much as 1.75%. Appreciation to the Board of Directors
of the Bank was given for their cautioness shown amidst all the
tendency of decreasing bank loan quality.
Dari aspek keuangan, pencapaian kinerja Bank tergolong cukup
memadai. Pertumbuhan kredit mencapai 13,03% sedangkan aset
hanya bertumbuh 2,83%. Capital Adequacy Ratio (CAR) Bank tetap
terjaga pada level 17,35%. Meskipun profit belum optimal, Dewan
Komisaris dapat memahami kondisi tersebut karena merupakan
trade-off dari prinsip kehati-hatian di tengah kondisi ketidakpastian
global serta implementasi rencana ekspansi ke sektor agribisnis.
From financial perspective, the Bank’s performance achievement
was categorized as satisfactory. Loan credit growth had reached
13,03% while asset growth had only reached 2,83%. Bank’s
capital Adequacy Ratio was kept at level of 17,35%. Although the
profit was not in optimal state, the Board of commissioners could
understand this condition due to its trade-off nature resulted from
principle of awareness amidst all global uncertainties along with
expansion planning implementation to agribusiness sector.
Dari aspek pengembangan bisnis, Dewan Komisaris melihat
bahwa positioning Bank semakin membaik yang ditandai dengan
perbaikan rasio cASA terhadap dana pihak ketiga (DPK). Dalam
upaya menarik DPK dari masyarakat, Bank tidak ikut dalam perang
bunga sebagaimana peers bank. Sebagai dampaknya, suku bunga
dasar kredit Bank mengalami penurunan dari 12,52% pada awal
2015 menjadi 11,60% di akhir 2015.
From business development aspect, the Board of commissioners
saw the Bank’s positioning would get better shown by the
improvement in cASA ratio to Third Party Fund (TPF). In effort
of gathering TPF from society, Bank didn’t participate in interest
wars like most Banks were. As a result, the Bank’s base interest
rate experiencing reduction from 12,52% on beginning of 2015 to
11.60% by the end of 2015.
PANdANGAN MENGENAI PROSPEK
USAHA BANK AGRIS TAHUN 2016
VISION ABOUT BANK AGRIS BUSINESS
PROJEcT IN 2016
Bank juga telah merumuskan Visi Agris 2020 sebagai bank fokus
pada sektor agribisnis. Untuk mewujudkan visi tersebut, Bank
mengembangkan jaringan kantor dengan membuka beberapa
kantor fungsional sebagai tempat pemasaran agribisnis. Saat
ini, fokus agribisnis masih pada bidang yang telah dikuasai yaitu
peternakan dan perikanan. Kedua bidang tersebut kurang diminati
oleh perbankan pada umumnya karena risiko yang cukup tinggi.
Namun dengan bekal pemahaman yang lebih baik terhadap
karakteristik peternak dan petambak, Bank meyakini bahwa
peluang pembiayaan masih terbuka lebar.
Bank also had formulated its 2020 Agris Vision as a Bank focused in
agribusiness sector. To manifest the vision, Bank developed offices
network by opening several function offices as marketing places
for agribusiness. on this time, agribusiness was still focusing on
already familiar segment such as farming and fishery. Those two
fields, somehow were not favored by banking society, due to their
considerably high risk. However, thanks to better understanding
to farmers’ and fishermen’s characteristics, Bank believed that the
funding opportunities were still wide open and available.
Disamping itu, kemajuan teknologi yang dapat mempermudah
akses ke daerah dan desa yang menjadi sentra peternak atau
petambak dapat mengintegrasikan dan memonitor perkembangan
usaha debitur dengan lebih baik. Melihat potensi di bidang
peternakan dan pertambakan, namun di sisi lain risiko yang cukup
besar, Bank menempuh strategi untuk tumbuh dengan kecepatan
moderat tetapi fokus pada bidang tertentu dan pengelolaan risiko
yang moderat.
Besides that, the technological advancement facilitating access
to rural areas and villages where most farmers and fishermen
resided made it so much easier for Bank to integrate and monitor
debtors’ business activities. Realizing the great potency in farming
and fishery business, despite its high risk, had strenghtened the
Bank ‘s resolve in following business strategy that was growing in
moderate speed while maintaining its focus on selected field while
kept managing risk moderately.
PERUBAHAN KOMPOSISI dEWAN
KOMISARIS
cHANGES IN THE BOARd Of
cOMMISSIONERS cOMPOSITION
Pada tahun 2015 tidak ada perubahan komposisi Dewan Komisaris.
In 2015 there was no changes in the Board of commissioners
composition.
TATA KELOLA PERUSAHAAN
cORPORATE GOVERNANcE
Dari aspek tata kelola, Dewan Komisaris melihat bahwa dalam
penerapan prinsip-prinsip dasar, Bank telah mengikuti kaidah
yang ditetapkan oleh otoritas Jasa Keuangan sehingga rating
gcg dapat dijaga pada tingkat yang cukup baik. Dewan Komisaris
sangat terbantu oleh Komite Audit, Komite Pemantau Risiko, dan
Komite Nominasi dan Remunerasi yang secara aktif memberikan
masukan terhadap proses penegakan tata kelola.
From corporate governance point of view, the Board of
commissioners realized that in practicing basic principles, Bank
had followed regulations issued by FSA in order for gcg could be
maintained on acceptable level. The board of commissioners truly
appreciated with helps from Audit committee, Risk Monitoring
committee and Nomination and Remuneration committee who
actively gave their consults in improving corporate governance of
the Bank.
Namun demikian, Dewan Komisaris berpendapat bahwa
masih perlu dilakukan banyak pembenahan, khususnya dalam
menumbuhkan budaya sadar risiko di setiap level. Penguatan
first layer of defence dalam pemberian kredit dan pengelolaan
operasional yang aktifitasnya lebih banyak di cabang menjadi
agenda yang harus dibenahi pada tahun mendatang.
However, the Board of commissioners were agreed that
restructurization was needed especially in growing risk awareness
culture in every level of Bank management. Strenghtening first layer
of defence in granting loan credit and operational management
which mostly happened in branch offices became agenda that
needed to be revamped next year.
Paulus Nurwadono
Komisaris Utama
President Commissioner
15
16 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Dewan Komisaris
The Board of Commissioners’ Proile | Annual Report 2015 | PT Bank Agris Tbk |
PROfIL dEWAN KOMISARIS
THE BoARD oF coMMISSIoNERS PRoFILE
Amin Handaya
Komisaris Independen
Independent Commissioner
Warga negara indonesia, umur 45 tahun. bergabung dengan bank
pada tahun 2008. menyelesaikan pendidikan s1 dari Fakultas teknologi
institut pertanian bogor (ipb) dan s2 di bidang manajemen strategis
di lembaga pendidikan dan pengembangan manajemen (lppm)
Jakarta. selanjutnya beliau bergabung dengan pt Makindo Securities,
kemudian bergabung dengan pt Global penta mandiri dan menjabat
posisi sebagai presiden direktur pt Global investama mandiri pada
tahun 1999-2005.
Kemudian beliau menekuni investment dengan bekerja di pt Insight
Investment Management sebelum bergabung di bank. pada desember
2007, melalui mekanisme rapat umum luar biasa pemegang saham,
beliau ditetapkan untuk diangkat menjadi Komisaris independen bank
dan menjadi efektif setelah lulus it and proper test dari bank indonesia
pada 23 mei 2008.
Indonesian citizen, 45 years old. He joined the Bank in 2008. He obtained
Bachelor’s degree at the Faculty of Technology, Bogor Agricultural University
(IPB) and then obtained a Master’s degree, in Strategic Management at
Lembaga Pendidikan dan Pengembangan Manajemen (LPPM) Jakarta.
Then, he joined PT Makindo Securities and after that, he joined with PT
Global Penta Mandiri and became President Director of PT Global Investama
Mandiri from the year of 1999 to 2005.
Later on, he was intensely occupied in investment banking, working with PT
Insight Investment Management, before he joined the Bank. In December
2007, through the Extraordinary General Meeting of Shareholders, he was
appointed as Independent Comissioner of the Bank. His appointment as
Independent Comissioner of PT Bank Agris became effective on May 23,
2008, after passing the required fit and proper test conducted by Bank
Indonesia.
Paulus Nurwadono
Komisaris Utama
President Commissioner
Warga negara indonesia, umur 48 tahun. bergabung dengan bank
agris pada tahun 2012 sebagai Komisaris utama. beliau menyelesaikan
studi s1 di Fakultas ekonomi universitas Gadjah mada tahun 1991 dan
s2 jurusan ekonomi di National university of Singapore tahun 1996.
selama berkecimpung dalam dunia keuangan, beliau pernah berkarir
di berbagai perusahaan seperti di pt pemeringkat efek indonesia
(Peindo), PT Bursa Efek Surabaya sebagai Kepala Divisi Riset dan
pegembangan bisnis, pt danareksa sekuritas sebagai direktur senior,
pt mandiri sekuritas sebagai eksekutif Wakil presiden dan pt sarana
multigriya Finansial (persero) sebagai direktur bisnis & operasional.
selain itu, beliau pernah menjabat sebagai Komisaris utama pt reksa
Finance pada tahun 2011 hingga 2012. saat ini menjabat Vice President
di pt Central proteina prima tbk dan Komisaris utama bank agris.
beliau pernah mendapatkan pelatihan yang ekstensif dari Standard
& Poor’s, Euromoney, Housing Development Finance Corporation
Ltd (HDFC), Wharton School of the university of Pennsylvania dan
lembaga-lembaga terkemuka lainnya.
Indonesian citizen, 48 years old. He joined with the Bank Agris in 2012 as
President Commissioner. He completed his Bachelor’s degree in Economics
at Gadjah Mada University in 1991, and obtained a Master’s degree in
Economics from National University of Singapore in 1996. During his career
ini financial sector, he had worked with a number of companies including
PT Pemeringkat Efek Indonesia (Pefindo), PT Bursa Efek Surabaya as
Division Head of Research and Business Development, Senior Director of
PT Danareksa Sekuritas, Executive Vice President of PT Mandiri Sekuritas
and Director of Business & Operations of PT Sarana Multigriya Finansial.
In addition, he served as President Commissioner at PT Reksa Finance in 2011
until 2012. Right now, he also served as Vice President at PT Central Proteina
Prima Tbk and President Commissioner of Bank Agris. He had attended a
variety of professional courses at the Standard & Poor’s, Euromoney,
Housing Development Finance Corporation Ltd (HDFC), Wharton School of
the University of Pennsylvania, and other leading instituations.
Rochhidayat Taepur
Komisaris Independen
Independent Commissioner
Warga negara indonesia, umur 61 tahun. bergabung dengan bank
pada tahun 2014. lulusan sarjana agribisnis institut pertanian bogor
(ipb) tahun 1979 dan s2 jurusan Human Resources Development STMPPM tahun 2000.
memiliki pengalaman di bidang perbankan selama kurang lebih 34
tahun. sebelumnya, beliau berkarir sebagai Project Manager di pt
Geodata Center pada tahun 1979-1980, sebagai Staff di pt bank rakyat
indonesia (bri) pada tahun 1980-1986, Deputy Manager (1986-1989),
branch Manager (1989-1996), Deputy GM of Division bri/Head of
Regional Ofice bri (1996-2000), GM/Head of Medium Loan Division
bri (2000-2001), GM/Head of Agribusiness Division (2001), Corporate
Secretary bri (2001-2003), Regional Manager (2003-2005), GM/Head
of Consumer banking Divison (2005-2006) dan Vice President Director
pt btmu bri-Finance, Joint Venture bersama antara bank of tokyomitsubishi uFJ, ltd. & pt bank rakyat indonesia (persero) tbk pada
tahun 2006-2011. setelah pensiun dari bri, mendirikan perusahaan
konsultan & Training center bidang perbankan, pt. dempo Wisnu
Kencana, sebagai direktur utama (2012-2014).
Indonesian citizen, 61 years old. Joined with the Bank in 2014. Earned a
Bachelor of Agribusiness from Bogor Agricultural University (IPB) in 1979
and a Master’s degree in Human Resources Development from STM-PPM
in 2000.
Has experience in banking for more than 34 years.Previously, he was a
Project Manager of PT Geodata Center in 1979-1980, Trainee in PT Bank
Rakyat Indonesia (BRI) in 1980-1986, Deputy Manager (1986-1989), Branch
Manager (1989-1996), Deputy GM of Division BRI/Head of Regional Office
BRI (1996-2000), GM/Head of Medium Loan Division BRI (2000-2001), GM/
Head of Agribusiness Division (2001), Corporate Secretary of BRI (20012003), Regional Manager (2003-2005), GM/Head of Consumer Banking
Division (2005-2006) and Vice President Director of PT BTMU BRI-Finance,
a joint venture between the Bank of Tokyo-Mitsubishi UFJ, Ltd. & PT Bank
Rakyat Indonesia (Persero) Tbk in 2006-2011. After his retirement from BRI,
he established Consultant & Training Centre for banking, PT. Dempo Wisnu
Kencana, as the main director (2012-2014).
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18 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan direksi
Report from the Board of directors | Annual Report 2015 | PT Bank Agris Tbk |
LAPORAN dIREKSI
REPoRT FRoM THE BoARD oF DIREcToRS
Sia Leng Ho
direktur Utama
President Director
Bank akan lebih berfokus kepada agribisnis melalui
sarana kantor fungsional.
The bank will be more focused in agribusiness
through functional ofice facilities.
19
20 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan direksi
Report from the Board of directors | Annual Report 2015 | PT Bank Agris Tbk |
Para pemegang saham yang kami hormati,
Dear honored shareholders
yang kuat dalam penerapan prinsip gcg, antara lain dengan
perbaikan Standard Operation Procedure (SoP) dan memenuhi
semua ketentuan yang menjadi dasar penerapan gcg. Saat ini
Bank telah memiliki core value dan etos kerja yang baik untuk
dapat mempertahankan penerapan gcg tetap baik.
Standard operation Procedure (SoP) revampment and fulfilling
execution of gcg. currently, Bank had core value dan proper work
ethic to guarantee good corporate governance performed well.
PROSPEK USAHA dAN
RENcANA dI TAHUN 2016
BUSINESS PROSPEcT ANd
PLAN IN 2016
Proyeksi tahun 2016, kinerja perbankan akan lebih baik dikarenakan
turbulensi perekonomian telah mereda. Diperkirakan sektor
infrastruktur akan meningkat dan akan terjadi perbaikan dari
sisi kredit. Salah satu keunggulan Bank Agris yang belum besar
membuat Bank cukup memiliki ruang dalam menjalankan
usahanya. Hal utama yang perlu dilakukan Bank adalah menjaga
likuiditas pada tingkat yang memadai, LDR pada tingkat 85 – 90%,
dan NPL di bawah 2%.
2016’s target, banking performance was hoped for the better
because of the ending of economic turbulence. Estimated
infrastructure sector would rise and there would be enhancement
in credit aspect. one of the Bank Agris’ advantages as a medium
sized bank was the availability of unimpeded room to operate its
business. The main thing Bank needed to do were to maintain
acceptable liquidity level. LDR level on 85 – 90%, and NPL level
under 2%.
Target Bank di tahun 2016 adalah menjadi BUKU 2, sehingga
tahun ini akan menjadi tahun penting bagi Bank karena akan terjadi
perubahan status dari BUKU 1 menjadi BUKU 2 yang berarti perlu
melakukan penyesuaian pada produk dan fasilitasnya.
Bank’s target in 2016 was to reach BUKU 2, and so this year had
become an important year for Bank because there would be status
change from BUKU 1 to BUKU 2 which meant that accordance was
needed for its products and facilities.
Bank telah menyiapkan blue print untuk lima (5) tahun mendatang
atau sampai dengan tahun 2020. Misi Bank akan lebih fokus
kepada agribisnis dengan perkiraan porsi sebesar 30% dari sektor
ekonomi. Tahap pembentukan diperkirakan akan membutuhkan
waktu 2 tahun melalui sarana kantor fungsional yang telah tersebar
di beberapa lokasi daerah agribisnis.
Bank had prepared blue print for next five (5) years or until 2020. The
Bank’s mission was to become more focused in agribusiness with
estimated portion of 30% from economy sector. Establishment
step was estimated to take two years with function offices facilities
that had spread to other locations in agribusiness area.
KINERJA PERUSAHAAN TAHUN 2015
THE cOMPANY’S PERfORMANcE IN 2015
Kinerja Bank tahun 2015 secara keseluruhan cukup baik walaupun
pada tahun 2014-2015, kondisi perekonomian kurang kondusif.
Peningkatan tetap terjadi pada dana pihak ketiga (DPK) menjadi
sebesar Rp. 3.494.487 juta dari tahun sebelumnya Rp. 3.482.969
juta atau peningkatan 0,33%, kredit menjadi sebesar Rp.
2.755.965 juta atau peningkatan 13,03% dari tahun sebelumnya
Rp. 2.439.290 juta, pertumbuhan aset meningkat 2,83% dari Rp.
4.101.329 juta di tahun 2014 menjadi Rp. 4.217.368 juta di tahun
2015, dan surat berharga Rp. 502.908 juta dari tahun sebelumnya
Rp. 271.767 juta atau peningkatan 85,05%.
The Bank’s overall performance in 2015 was satisfactory although
in 2014-2015, economic situation was not favorable. Progress took
place on Third Party Funds with total of Rp. 3,494,487 million from
last year’s amount of Rp. 3,482,969 million which was increased
by 0.33%, loan credit growth from Rp. 2,439,290 million in 2014
to Rp. 2,756,965 million in 2015 which was increased by 13.03%.
Bank’s asset was increased by 2.83% from Rp. 4,101,329 million
in 2014 to Rp. 4,217,368 million in 2015, obligation and securities
amounted to Rp. 502,908 million compared to previous year
amount of Rp. 271,767 million, which was improved by 85.05%.
Di tahun 2015, Bank melaksanakan Penawaran Umum Terbatas I
(PUT I) dengan jumlah keseluruhan saham yang telah diterbitkan
sebanyak 1.020.657.744 saham atau senilai Rp. 102.066 juta. Dana
yang diperoleh dari PUT I, setelah dikurangi biaya-biaya emisi
saham, akan digunakan seluruhnya untuk penambahan modal
untuk ekspansi kredit. Kami harapkan dengan adanya penambahan
modal dan pertumbuhan DPK, Bank dapat lebih besar lagi dalam
menyalurkan kredit ke masyarakat.
In 2015, Bank performed Limited Public offering I with total
released shares as much as 1,020,657,744 shares or equivalent to
Rp. 102,066 million. capital collected from Limited Public offering
I, after deducted from share emission, would be used completely
for share interpolation for credit expansion. We expected there
would be capital increment and third party fund growth, and
because of it, Bank were able to dispense greater amount of credit
to people and society.
Demikian juga untuk cAR telah menjadi sebesar 17,35%, hal ini
menunjukkan Bank telah mengoptimalkan permodalan yang ada.
Sementara mengenai harga saham Bank di Bursa Efek Indonesia
terjadi penurunan, dari harga saham perdana Rp. 110 menjadi Rp.
85 di akhir tahun ini.
Likewise for cAR’s growth had reached 17.35%, this showed
that Bank had optimized existing capital. While the stock price of
Bank Agris in Indonesian Stock Exchange experienced downward
progress from the initial shares price of Rp. 110 into Rp. 85 by the
end of this year.
Dalam rangka pengembangan jaringan kantor, Bank telah
membuka tujuh (7) kantor fungsional, yaitu di kabupaten garut,
Subang, Kediri, Jember, Magelang, Purwodadi, dan Pekalongan
yang berfungsi untuk memasarkan produk kredit Mikro Agris
Solusi (MAS), yaitu usaha peternakan ayam, pertambakan udang
dan ikan. Sedangkan pembukaan cabang baru belum direalisasikan
karena kondisi makro tahun 2015 belum kondusif.
As the expansion of office networks, Bank had established seven
(7) function offices in regencies such as garut, Subang, Kediri,
Jember, Magelang, Purwodadi and Pekalongan which function
was to market credit product Mikro Agris Solusi (MAS) as example,
poultry, shrimp farm and fishery. Instead, opening of new branch
offices had not been realized because of unconducive macro
economy situation in 2015.
PERUBAHAN KOMPOSISI ANGGOTA
dIREKSI
cHANGES IN THE BOARd Of dIREcTORS
cOMPOSITION
Pada tahun 2015 tidak ada perubahan komposisi Direksi.
In 2015 there was no changes in the Board of Directors composition.
APRESIASI
APPREcIATION
TANTANGAN dI TAHUN 2015
cHALLENGES IN 2015
Perekonomian Indonesia melambat sejak 1-2 tahun terakhir.
Kondisi ini juga berpengaruh pada industri perbankan dimana
perlambatannya berdampak sejak tahun lalu. Bila pada tahun 2014
tantangannya dari likuiditas dan kenaikan suku bunga, sedangkan
pada tahun 2015, perbankan dihadapkan pada risiko kredit, yaitu
merupakan dampak dari kenaikan harga BBM yang terjadi pada
kuartal IV tahun lalu yang mengakibatkan daya beli masyarakat
menurun. Dalam menghadapi tantangan di risiko kredit, Bank lebih
berkonsentrasi pada bidang ini, mulai dari melakukan monitoring
sampai kepada penagihan, dan memperkuat proses pemberian
kredit.
Indonesian economy had slowed down in past two years. The
condition also affected banking industry which slowdown had
started from last year. In 2014, the challenges came from liquidity
and rising of interest rates, while in 2015, banking segment was
faced with credit risk, resulted as effect from the rising price of
petroleum in last quarter of last year that reduced society buying
power. In tackling credit risk challenges, the Bank concentrated
more in this area starting from monitoring to billing and
strenghtening credit granting process.
Atas nama Direksi, kami mengucapkan terima kasih kepada Dewan
Komisaris yang telah memberikan arahan dalam mengelola Bank,
kepada seluruh karyawan atas dedikasi dan kontribusinya sehingga
menghasilkan kinerja Bank yang cukup baik di tahun 2015 ini.
on behalf of the Board of Directors, we would like to express our
gratitude to the Board of commissioners on the guidance given to
us in managing the Bank, also to all employees for their dedication
and contribution to produce good performance in 2015.
Kami juga menyampaikan terima kasih kepada pemegang saham,
nasabah, mitra kerja, dan pemangku kepentingan yang telah
memberikan kepercayaan dan dukungan kepada Bank Agris.
We would also like to deliver thanks to shareholders, customers,
business partners and stakeholders that had provided trust and
support to Bank Agris.
Bank akan terus memberikan kinerja yang lebih baik di tahun
mendatang.
Bank would always give better performance in the upcoming year.
TATA KELOLA PERUSAHAAN
GOOd cORPORATE GOVERNANcE
Selama 3 (tiga) tahun berturut-turut Bank telah menerapkan prinsip
gcg dengan baik dalam seluruh aktifitasnya pada setiap jenjang
organisasi. Mulai tahun 2013 Bank telah menetapkan landasan
For three (3) consecutive years Bank had performed gcg principles
well in every level of organization activities. From 2013 Bank had
laid strong foundation on performing gcg principles, such as
Sia Leng Ho
direktur utama
President Director
21
22 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Direksi
The Board of Directors’ Proile | Annual Report 2015 | PT Bank Agris Tbk |
PROfIL dIREKSI
Ardian Hak
THE BoARD oF DIREcToRS PRoFILE
Sia Leng Ho
direktur Utama (Independen)
President Director (Independent)
direktur Kepatuhan (Independen)
Director of Compliance
(Independent)
Warga negara indonesia, umur 57 tahun. bergabung dengan bank
agris pada tahun 2012. lulus dari san Francisco state university,
amerika serikat, pada tahun 1985, beliau meraih gelar administrasi
bisnis. sia leng ho mengawali karir perbankan di pt bank bali pada
tahun 1985 sebagai Assistant Manager Credit Review. Karirnya terus
menanjak hingga akhirnya dipercaya menjalankan tugas sebagai Vice
President (Corporate banking Segment Head) pada tahun 1989-1991.
dalam kurun waktu 1991-1997 beliau bergabung dengan pt bank
ekonomi raharja tbk sebagai direktur, selanjutnya di posisi Wakil
direktur utama hingga mei 2012 dan jabatan terakhir sebagai Komisaris
utama sebelum beliau bergabung dengan bank agris pada november
2012. pengalaman perbankan yang begitu luas terutama di bidang
perkreditan mengantar beliau ke posisi puncak sebagai direktur utama
bank agris sampai saat ini.
Warga negara indonesia, 58 tahun. bergabung dengan bank agris
sejak 2012. menyelesaikan pendidikannya di Fakultas ekonomi Jurusan
akuntansi universitas airlangga.
mengawali karir di dunia perbankan dengan mengikuti program
pendidikan eksekutif (ppe) di pt bank niaga pada tahun 1984. sejak
Januari 1985 mengawali karir di pt bank niaga sebagai Audit and
Control Division Head hingga desember 2008, dengan jabatan terakhir
sebagai Operation and IT, Risk Management Division Head. Karir beliau
berikutnya adalah sebagai Quality Assurance Division Head di pt bank
tabungan pensiun nasional sejak Januari 2009 sampai desember
2010. selanjutnya mulai Juni 2011 hingga april 2012 beliau menjabat
direktur Compliance and Risk Mangement di bank Fama international;
sejak mei 2012 beliau bergabung dengan bank agris sebagai direktur
Compliance.
Indonesian citizen, 58 years old, joined the Bank Agris from 2012. Held a
Bachelor in Economics with Accounting major from Airlangga University.
His banking career began when he joined the Executive Training Program
(PPE) at PT Bank Niaga in 1984. Since January 1985 to December 2008,
he worked at PT Bank Niaga as Audit and Control Division Head, and
subsequently as Operation and IT, Risk Management Division Head. He then
joined PT Bank Tabungan Pensiun Nasional and served as Quality Assurance
Division Head from January 2009 to December 2010. Next, from June 2011
to April 2012 he served as Director of Compliance and Risk Management at
PT Bank Fama International. He joined with Bank Agris since May 2012 to
serve as Director of Compliance.
Indonesian citizen, 57 years old. Joined with the Bank Agris in 2012.
Graduated from San Francisco State University, USA in 1985, he obtained
Business Administration Degree. Sia Leng Ho started his banking career
with PT Bank Bali in year 1985 as Assistant Manager of Credit Review.
His career rose progressively to the position of Vice President (Corporate
Banking Segment Head) in 1989-1991.
During 1991-1997, he joined with PT Bank Ekonomi Raharja Tbk as Director,
then as the Vice President Director until May 2012, and with the last position
as the President Commissioner before joining the Bank Agris in November
2012. With his vast banking experiences, especially in the credit sector
landed him to the top position as the President Director of Bank Agris that
lasted until now.
Bang Nathan christian
Wakil direktur Utama (Independen)
Vice President Director (Independent)
Warga negara indonesia, 61 tahun, bergabung dengan bank agris pada
tahun 2010. selepas meraih gelar sarjana ekonomi Jurusan akuntansi
di universitas trisakti pada tahun 1980, bang nathan Christian memulai
karir bidang perbankan sebagai Finance Manager pt bank Central asia
dalam tahun 1985-1988. Kemudian beliau dipercaya menjabat sebagai
General Manager Finance, Treasury and Credit pt bCa Finance.
Jabatan lain beliau adalah sebagai Wakil presiden direktur yang
membawahi Operational, Treasury and Credit pt bank ltCb-Ca. beliau
juga sempat menjabat sebagai General Manager HRD dan General
Manager Technical Assistance of Afiliated Bank pt bank Central asia
selama lima tahun (1994-1999). selanjutnya bergabung bersama bank
Windu pada tahun 2000 sebagai General Manager Operation hingga
diangkat menjadi direktur pada tahun 2003-2010. bang nathan Christian
bergabung bersama bank agris pada mei 2010 dan berdasarkan pada
Keputusan rapat umum pemegang saham luar biasa, 17 Juni 2010,
beliau diangkat sebagai direktur bisnis. selanjutnya beliau menduduki
posisi Wakil direktur utama bank agris pada desember 2012.
Indonesian citizen, 61 years old, joined with Bank Agris in 2010. After
graduating with a Bachelor of Economics with Accounting Major from
Trisakti University in 1980, Bang Nathan Christian started his banking career
working with PT Bank Central Asia as Finance Manager in 1985-1988. After
that, he became the General Manager Finance, Treasury and Credit of PT
BCA Finance.
He served as Vice President Director in charge of Operations, Treasury and
Credit at PT Bank LTCB-CA. He also served as General Manger of HRD and
as General Manager Technical Assistance of Affiliated Bank PT Bank Central
Asia for five years(1994-1999). In 2000, he joined Bank Windu as General
Manager Operations, and subsequently was appointed as Director, serving
between 2003-2010. In May 2010, Bang Nathan Christian joined with the
Bank Agris and was appointed to the position of Director of Business by a
Resolution of Extraordinary General Meeting of Shareholders on June 17,
2010. Since December 2012, he served as Vice President Director of Bank
Agris.
Maria Cortilia Vera Aianti
direktur (Independen)
Director (Independent)
Warga negara indonesia, 49 tahun. bergabung dengan bank agris sejak
tahun 2013. beliau mengawali karir perbankan lewat Management
Development Program di pt bank Central asia tahun 1991, setelah
beliau meraih gelar sarjana akuntansi dari universitas Gadjah mada.
selanjutnya, berbagai posisi tugas dijalani beliau di pt bank Central
asia tbk dalam kurun waktu 1992-2009 sampai akhirnya beliau pindah
untuk bekerja sebagai direktur operasional pt dyviacom intrabumi
tbk.
lulusan s2 jurusan manajemen internasional – strategi marketing dari
institut manajemen prasetiya mulya, tahun 2005. beliau bergabung
bersama bank agris sejak Februari 2013 dan berdasarkan Keputusan
rapat umum pemegang saham pada tanggal 14 agustus 2013, beliau
diangkat menjadi direktur.
Indonesian citizen, 49 years old. She joined Bank Agris since 2013. She began
her banking career by joining the Management Development Program of PT
Bank Central Asia in 1991, after obtaining a Bachelor in Accounting of Gadjah
Mada University. Between 1992-2009, she served in variety of positions
with PT Bank Central Asia Tbk before moving on to work with PT Dyviacom
Intrabumi Tbk as Director of Operations.
Obtained a
TAHUNAN
2015
ANNUAL REPORT
Bersama Nasabah Aktif Membangun dan Memajukan Agribisnis Indonesia
Altogether With Customers, Actively Building and Advancing Indonesian Agribusiness
dAfTAR ISI
TABLE oF coNTENTS
04
05
06
06
07
07
07
08
08
IKHTISAR KINERJA
perFormanCe hiGhliGhts
Ikhtisar Keuangan
Financial Highlights
INfORMASI BAGI INVESTOR
inFormation For investors
32
Laporan Laba Rugi
Profit & Loss Statements
78
Sekretaris Perusahaan
Corporate Secretary
Company business
53
Laporan Posisi Keuangan
Financial Statements
79
Unit Audit Internal
Internal Audit Unit
32
Sekilas tentang Perseroan
Company in Brief
58
Laporan Arus Kas
Statement of Cash Flows
80
Akuntan Publik
Public Accountant
33
Profil Perusahaan
Company Profile
59
Target dan Pencapaian Tahun 2015
Projection and Realization in 2015
80
Manajemen Resiko
Risk Management
33
Visi dan Misi Perusahaan
Vision and Mission of the Company
59
Perubahan Kebijakan Akuntansi
Changes in Accounting Policy
85
Sistem Pengendalian Intern
Internal Control Unit
59
Ikatan Material atas Investasi Barang Modal
Material Bond towards Investment Capital Goods
85
Perkara Penting yang Dihadapi Perusahaan
Legal Matters Confronting by the Company
59
Informasi Material Mengenai Investasi, Ekspansi,
Divestasi, Akuisisi dan Restrukturisasi Hutang/Modal
Material Information Regarding Invesments, Expansion,
Divestment, Acquisition and Restructuring Debt/Capital
86
Akses Informasi dan Data Perusahaan
Access of Information and Corporate Data
86
Kode Etik
Code of Ethics
86
Budaya Perusahaan
Corporate Culture
87
Sistim Whistleblowing
Whistleblowing System
35
Hasil Rapat Umum Pemegang Saham Tahun 2015
Result of Annual General Meeting of
Shareholders in 2015
Struktur organisasi
Organizational Structure
36
Perusahaan dalam Satu Kelompok Usaha dengan Bank
Companies in One Business Entity with the Bank
Struktur Permodalan
Capital Structure
36
Mitra Usaha
Business Partners
Ikhtisar Saham
Stocks Highlights
36
Lembaga Penunjang Pasar Modal
Capital Market Institution and Professionals
Ikhtisar obligasi
Bonds Highlights
37
Peta Wilayah dan Jaringan Kantor
Map Area and Office Network
60
Kronologi Pencatatan Saham
Share Listing Chronology
Perubahan Peraturan Perundang-undangan
Changes in Legislation
38
Pengelolaan Sumber Daya Manusia
Human Resources Management
60
Realisasi Dana Penawaran Umum
Public Offering Realization
38
Pelatihan di Tahun 2015
Trainings in 2015
61
38
Komposisi Sumber Daya Manusia
Human Capital Composition
Transaksi yang Mengandung Benturan Kepentingan
dan Transaksi dengan Afiliasi
Conflict of Interest Transactions and Transactions
with Affiliates
39
Produk dan Jasa Perbankan
Banking Products and Services
Program Kepemilikan Saham oleh Karyawan
dan/atau Manajemen (ESoP/MSoP)
Share Ownership Program by Employees and/or
Management (ESOP/MSOP)
09
Komposisi Pemegang Saham
Shareholders Composition
09
Kebijakan Dividen dan Jumlah Dividen
Dividend Policy and Total Dividend
40
10
51
BISNIS PERUSAHAAN
LAPORAN MANAJEMEN
41
manaGement report
42
12
Laporan Dewan Komisaris
Report from the Board of Commissioners
16
Profil Dewan Komisaris
The Board of Commissioners Profile
18
Laporan Direksi
Report from the Board of Directors
22
Profil Direksi
The Board of Directors Profile
24
Profil Pejabat Eksekutif
Executive Officers Profile
43
44
Penempatan Dana
Fund Placement
Produk Treasury
Treasury Products
60
62
Informasi dan Fakta Material Setelah Tanggal
Laporan Akuntan
Information and Material Facts Subsequent
Accounting Reports
TATA KELOLA PERUSAHAAN
YANG BAIK
Good Corporate GovernanCe
62
Informasi Umum
General Infromation
63
Struktur Tata Kelola Perusahaan
Corporate Governance Structure
64
Rapat Umum Pemegang Saham
General Meeting of Shareholders
65
ANALISA dAN PEMBAHASAN
MANAJEMEN
Dewan Komisaris
The Board of Commissioners
68
manaGement and disCussion
analysis
Direksi
The Board of Directors
70
Komite Audit
Audit Committee
73
Komite Nominasi dan Remunerasi
Nomination and Remuneration Committee
Layanan ATM
ATM Services
Peranan Teknologi Informasi
Importance of Information Technology
44
Tinjauan operasional
Operational Review
46
Aspek Pemasaran
Marketing Aspects
49
Prospek dan Strategi Usaha Perseroan
Prospect & Business Strategy of the Company
76
Komite-komite Lain di Bawah Dewan Komisaris
Other Committees under the Board of Commissioners
77
Komite-komite di Bawah Direksi
Committees under the Board of Directors
88
TANGGUNG JAWAB SOSIAL
& LINGKUNGAN
Corporate soCial and
environmental responsibility
88
Tanggung Jawab Lingkungan
Environmental Responsibility
89
Tenaga Kerja, Kesehatan, dan Keselamatan Kerja
Labour, Health and Work Safety
89
Pengembangan Sosial dan Komunitas
Social and Community Development
90
Tanggung Jawab Kepada Konsumen
Corporate Social Responsibility to Customers
91
PERNYATAAN dEWAN
KOMISARIS dAN dIREKSI
responsibility statement oF
the board oF Commissioners
and direCtors
92
LAPORAN KEUANGAN
KONSOLIdASI
Consolidated FinanCial
statement
4 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Ikhtisar Kinerja
Performance Highlights | Annual Report 2015 | PT Bank Agris Tbk |
IKHTISAR KEUANGAN
FINANcIAL HIgHLIgHTS
deskripsi / Description
2015
2014
2013
122.661
79.602
62.968
LAPORAN KEUANGAN / FINANCIAL REPORT
(Dalam Jutaan Rupiah / In Millions of Rupiah)
Pendapatan Bunga Bersih / Interest Income Net
Laba operasi / Operating Income
6.450
6.774
14.396
Laba Sebelum Pajak / Income Before Tax
6.450
8.256
14.396
Laba Bersih / Net Income
3.905
4.451
12.629
4.483.927
3.683.699
2.253.165
Kredit yang Diberikan / Loan (Nett)
2.745.252
2.438.290
1.758.224
Simpanan Nasabah / Deposits from Customers
3.494.487
3.482.969
2.058.575
Aset Produktif / Productives Assets
Pinjaman yang Diterima / Borrowings
-
-
-
567.097
465.229
371.988
18,23
18,41
18,68
cAR dengan Memperhitungkan Risiko Pasar / CAR by Considering Credit, Operational and Market Risk
8,12
18,36
18,66
Aset Tetap Terhadap Modal / Fixed Asset to Equity
15,02
14,25
16,25
0,86
0,44
0,27
Ekuitas - Bersih / Shareholders’ Equity - Net
RASIO KEUANGAN PERMOdALAN / FINANCIAL RATIO CAPITAL
(Dalam % / In Percent)
cAR dengan Memperhitungkan Risiko Kredit / CAR by Considering Credit Risk
IKHTISAR KINERJA
PERFoRMANcE HIgHLIgHTS
KUALITAS ASET/AKTIVA PROdUKTIf BERMASALAH / Asset Quality/Non Performing
(Dalam % / In Percent)
Aset yang Diperoleh / Earning Assets
PENdAPATAN
BUNGA (BERSIH)
INTEREST INcoME (NET)
JUMLAH ASET
dANA PIHAK KETIGA
ToTAL ASSETS
THIRD PARTy FUNDS
dalam jutaan Rupiah / in Million Rupiah
dalam jutaan Rupiah / in Million Rupiah
0,28
0,02
0,05
Pemenuhan PPA Produktif / Compliance for Possible Losses on Earning Assets
15,75
1,50%
5,92
Pemenuhan PPA Non-Produktif / Compliance for Allowance Possible Losses on Non Earning Assets
-
-
-
NPL gross / NPL Gross
1.75
0,67
0,34
NPL Net / NPL Net
1.47
0,66
0,28
RoA
0,17
0,26
0,77
RoE
0,90
1,30
4,01
PROfITABILITAS / PROFITAbILITy
(Dalam % / In Percent)
dalam jutaan Rupiah / in Million Rupiah
122.661
4.217.368
3.494.487
4.101.329
3.482.969
79.602
2.058.575
62.968
PPA Produktif terhadap Aktiva Produktif / Allowance for Possible Losses on Earning Assets
NIM
3,24
2,78
4,12
BoPo
98,41
97,53
92,47
78,84
70,02
85,47
Pihak Terkait / Related Parties
-
-
-
Pihak Tidak Terkait / Third Parties
-
-
-
-
-
-
LIKUIdITAS / LIQuIDITy
(Dalam % / In Percent)
2.507.780
Rasio Kredit terhadap Dana Pihak Ketiga / Loan to Deposit Ratio (LDR)
Persentase Pelanggaran BMPK / Percentage Violation of Legal Lending Limit
Persentase Pelampauan BMPK / Percentage of Lending in Excess of Legal Lending
2013
2014
PENdAPATAN
BUNGA BERSIH
Interest Income - Net
2015
+54,09 %
2013
JUMLAH
ASET
Total Assets
2014
2015
+2,83 %
2013
2014
dANA PIHAK
KETIGA
Third Party Funds
2015
+0,33 %
Pihak Terkait / Related Parties
Pihak Tidak Terkait / Third Parties
-
-
-
gMW Rupiah / Minimum Reserve Requirement Rupiah
7,53
17,23
18,76
Posisi Devisa Net / Net Open Positions
0,32
1,25
0,66
5
6 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Informasi Bagi Investor
Information for Investors | Annual Report 2015 | PT Bank Agris Tbk |
Rapat Umum Pemegang Saham Luar Biasa
(RUPSLB) 9 Juni 2015
Extraordinary General Meeting of Shareholders
(EGMS) June 9, 2015
Menyetujui Perubahan Anggaran Dasar Bank, sehubungan dengan
ketentuan otoritas Jasa Keuangan (oJK) tentang Rencana dan
Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan
Terbuka, dan merubah Anggaran Dasar Bank, sehubungan dengan
ketentuan oJK tentang Direksi dan Dewan Komisaris Emiten atau
Perusahaan Publik.
Approval of Amendment of Articles of Association of the Bank, in
relation to the Financial Services Authority (FSA) discussing about
planning and execution of Public company’s general Meeting of
Shareholders, related to FSA’s regulation dealing with Board of
Directors and commissioners in Public Listed company.
Rapat Umum Pemegang Saham Luar Biasa
(RUPSLB) 8 desember 2015
Extraordinary General Meeting of Shareholders
(EGMS) desember 8, 2015
Menyetujui penambahan modal dengan mengeluarkan sebanyakbanyaknya 1.270.655.670 (satu miliar dua ratus tujuh puluh juta
enam ratus lima puluh lima ribu enam ratus tujuh puluh) saham
baru dari portepel, dengan menerbitkan Hak Memesan Efek
Terlebih Dahulu (HMETD) dalam Penawaran Umum Terbatas I (PUT
I), dengan nilai nominal sebesar Rp. 100,- (seratus Rupiah) per
saham, pada Harga Pelaksanaan yaitu sebesar Rp. 100,- (seratus
Rupiah) per saham.
Approval of increasing capital by releasing as much as
1.270.655.670 (one billion two hundred seventy million six
hundred fifty five thousand six hundred seventy) new shares from
unissued company portfolio, by releasing Limited Public offering I
with nominal value Rp. 100. (one hundred Rupiah) per share, on
performing price Rp. 100 (one hundred Rupiah) per share.
STRUKTUR PERMOdALAN
cAPITAL STRUcTURE
INfORMASI BAGI INVESTOR
INFoRMATIoN FoR INVESToRS
Pada tahun 2015, Bank melaksanakan Penawaran Umum Terbatas
I (PUT I), dengan tanggal pencatatan saham baru di Bursa Efek
Indonesia sejak 23 Desember 2015 sampai dengan 6 Januari 2016.
Modal ditempatkan dan disetor Bank hasil PUT I menjadi Rp. 5.256
juta.
In 2015, the Bank performed Limited Public offering I, which dated
Statement of New Shares in Indonesian Stock Exchange from
December 23, 2015 to January 6, 2016. capital as the result of
Limited Public offering I was placed and paid up by Bank, had
accumulated to Rp. 5.256 million.
IKHTISAR SAHAM
HASIL RAPAT UMUM PEMEGANG SAHAM TAHUN 2015
RESULT oF ANNUAL gENERAL MEETINg oF SHAREHoLDERS IN 2015
Rapat Umum Pemegang Saham Tahunan
(RUPST) 9 Juni 2015
Annual General Meeting of Shareholders on
(AGMS) June 9, 2015
Persetujuan atas Laporan Tahunan Bank dan pengesahan atas
perhitungan laporan keuangan tahunan Bank untuk tahun buku
2014; serta memberikan pembebasan dan pelunasan (acquit
et decharge) sepenuhnya kepada Direksi dan Dewan Komisaris
Bank; persetujuan atas penggunaan laba bersih Bank Tahun Buku
2014; persetujuan untuk memberikan kewenangan kepada Dewan
Komisaris untuk menetapkan besarnya remunerasi dan/atau
tunjangan lain bagi Anggota Direksi dan Dewan Komisaris Bank
untuk Tahun Buku 2015; persetujuan untuk memberikan wewenang
kepada Dewan Komisaris untuk menunjuk Kantor Akuntan Publik
yang akan melakukan audit terhadap Laporan Keuangan Bank
untuk tahun buku 2015 dan periode-periode lainnya dalam tahun
buku 2015 (apabila diperlukan) serta untuk menetapkan honorarium
Akuntan Publik beserta persyaratan-persyaratan lainnya; Laporan
Realisasi Penggunaan Dana Hasil Penawaran Umum.
The Approval for the Annual Report 2014 and the verification
of Bank’s annual financial report for 2014 period; also granting
exemption and repayment in full to the Board of Directors and
commissioners; Approval for Bank’s Nett Profit Utilization in 2014;
Approval in letting Board of commissioners to set the amount
of remuneration and/or other benefits for members of Board of
Directors and commissioners for 2015 period; Approval for Board
of commissioners in nominating Public Accountant to audit the
Bank’s financial report in 2015 and anything related within the
same years (if needed) as well as determining emoluments for
certified Public Accountant including other requirements such as
the Realization Report of Public offering Fund.
STocK HIgHLIgHTS
Tahun
Year
Tertinggi
Highest
Terendah
Lowest
Penutup
Closing
Volume Transaksi Lembar
Shares Transaction Volume
Nilai Rupiah
Value in Rp.
2014
187
160
143
6.973.200
1.261.586.100
Kuartal 1
148
148
148
100
14.800
Kuartal 2
144
121
121
57.500
7.200.500
Kuartal 3
121
106
116
5.400
595.900
Kuartal 4
89
85
85
5.100
435.200
2015
IKHTISAR OBLIGASI
BoNDS HIgHLIgHTS
Hingga akhir tahun 2015, Bank belum menerbitkan obligasi,
sehingga informasi terkait hal ini tidak tersedia.
Until the end of 2015, the Bank had not issued any bonds, so the
information related with this matters were not available.
7
8 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Informasi Bagi Investor
Information for Investors | Annual Report 2015 | PT Bank Agris Tbk |
KRONOLOGI PENcATATAN SAHAM
KEBIJAKAN dIVIdEN dAN JUMLAH dIVIdEN
SHARELISTINg cHRoNoLogy
DIVIDEND PoLIcy AND ToTAL DIVIDEND
Aksi Korporasi
Corporate Action
1.
IPO: tercatat di BEI tanggal 22 desember
2014. Jumlah saham baru yang diterbitkan
sebanyak 900.000.000 lembar saham.
IPO, dated December 22, 2014 Number of
Shares after IPO (listed on IDX)
Pemilik Saham
Shares Ownership
pt dian intan perkasa
3.324.066.625
78,48%
benjamin Jiaravanon
11.452.275
0,27%
masyarakat / public
900.000.000
21,25%
Persen
(%)
Pada tahun 2015, Bank melaksanakan PUT
I, dengan tanggal pencatatan saham baru di
BEI sejak 23 desember 2015 sampai dengan
6 Januari 2016.
In 2015, the Bank performed Limited Public
Offering I, which dated Statement of New
Shares in BEI from December 23, 2015 to
January 6, 2016.
4.235.518.900
100%
JUMLAH / TOTAL
2.
Jumlah Lembar
Saham Akhir Periode
Total Shares
by End of Period
Nilai
Value
(Rp.)
pt dian intan perkasa
4.341.286.612
82,59%
benjamin Jiaravanon
14.887.957
0,28%
masyarakat / public
900.002.075
17,12%
PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN
dAN/ATAU MANAJEMEN (ESOP/MSOP)
SHARE oWNERSHIP PRogRAM By EMPLoyEES
AND/oR MANAgEMENT (ESoP/MSoP)
Pada IPo tahun 2014, Bank memberikan saham ESA (Employee
Stock Allocation) kepada karyawan sebanyak 550.000 lembar. Pada
Penawaran Umum Terbatas I tahun 2015, tidak ada perubahan pada
saham ESA.
In IPo 2014, the Bank distributed ESA (Employee Stock Allocation)
to its employees of 550,000 shares. In Limited Public offering I in
2015, there was no changes to ESA shares.
KOMPOSISI PEMEGANG SAHAM
SHAREHoLDERS coMPoSITIoN
Setelah pelaksanaan Penawaran Umum Terbatas I dan tercatatnya
saham baru di Bursa Efek Indonesia per Januari 2016, maka
komposisi pemegang saham Bank menjadi:
Pemilik Saham
Shareholders
According to Limited Public offering I and the rise of additional
shares in Indonesian Stock Exchange, the shareholders
composition became:
Saham / Shares
Komposisi / Composition
pt dian intan perkasa
4.341.286.612
82,59%
benjamin Jiaravanon
14.887.957
0,28%
masyarakat / public
(termasuk di dalamnya
uob Kay hian pte ltd 8,45%)
900.002.075
17,12%
The policy of Bank’s dividend distribution was set based on the
shareholders decision in Annual general Meeting of Shareholders
based on the recommendation of the Board of Directors. The Bank
could distribute dividend in the year in which the Bank recorded
positive retained earnings with reserve based on the UUPT.
Bank dapat memberikan usulan pembagian dividen kas sebanyakbanyaknya 30% dari laba tahun berjalan, dimulai tahun 2015
berdasarkan laba tahun berjalan tahun buku 2014, dengan
mempertimbangkan berbagai macam faktor meliputi keberhasilan
dan mengimplementasikan strategi bisnis, keuangan, persaingan
dan peraturan otoritas perbankan yang berlaku khususnya faktor
kecukupan modal (cAR), kondisi perekonomian secara umum dan
faktor-faktor lain yang spesifik terkait industri perbankan.
The Bank could provide a cash dividend proposal as much as
30% form the profit of the year, starting in 2015 based on the
profit of the year 2014, by taking into account various factors
including the success and implementation of business strategy,
financial, competition and regulatory banking authority that applied
particularly in capital adequacy ratio (cAR), economic condition in
general and other specific factors related with the banking industry.
Pada tahun 2015, kebijakan pembagian dividen Bank berdasarkan
hasil RUPST 2014 adalah Bank belum dapat membagikan dividen
kepada Pemegang Saham, mengingat Bank masih memerlukan
In 2015, dividend distribution policy was derived from the result of
Annual general Meeting of Shareholders in 2014 instructing Bank
to delay divident distribution to shareholders, knowing the Bank
still needed fund to revitalize its business and operations.
5.256.176.644
100%
JUMLAH / TOTAL
Kebijakan pembagian dividen Bank ditetapkan berdasarkan
keputusan pemegang saham pada RUPS Tahunan berdasarkan
rekomendasi Direksi. Bank dapat membagikan dividen pada
tahun dimana Bank mencatatkan saldo laba ditahan positif setelah
dikurangi dengan cadangan berdasarkan UUPT.
biaya untuk pengembangan usaha Bank.
9
10 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan Manajemen
Management Reports | Annual Report 2015 | PT Bank Agris Tbk |
Amin Handaya
Paulus Nurwadono
Rochhidayat Taepur
Sia Leng Ho
Bang Nathan christian
Ardian Hak
Maria Cortilia Vera Aianti
Komisaris independen
Independent Commissioner
Komisaris utama
President Commissioner
Komisaris independen
Independent Commissioner
direktur utama
(independen)
President Director
(Independent)
Wakil direktur utama
(independen)
President Director
(Independent)
direktur Kepatuhan
(independen)
Director of Compliance
(Independent)
direktur (independen)
Director (Independent)
LAPORAN MANAJEMEN
MANAgEMENT REPoRTS
11
12 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan dewan Komisaris
Report from the Board of commissioners | Annual Report 2015 | PT Bank Agris Tbk |
LAPORAN dEWAN KOMISARIS
REPoRT FRoM THE BoARD oF coMMISSIoNERS
Paulus Nurwadono
Komisaris Utama
President Commissioner
Bank akan mempertegas usahanya di bidang agribisnis
dengan memulai dukungan pada sektor peternakan
dan perikanan.
bank will strenghten their efforts in agribusiness
by initiating support to poultry and ishery.
13
14 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan dewan Komisaris
Report from the Board of commissioners | Annual Report 2015 | PT Bank Agris Tbk |
Para pemegang saham yang kami hormati,
Dear honored shareholders
PENILAIAN ATAS
KINERJA dIREKSI
ASSESSMENT ON THE BOARd Of
dIREcTORS’ PERfORMANcE
Kondisi perekonomian yang kurang menguntungkan sejak 2014,
masih berlanjut di 2015. Laju pertumbuhan ekonomi hanya
mencapai 4,7% akibat dari ketidakpastian global yang terus
berlanjut dibarengi dengan minimnya penggerak pertumbuhan
ekonomi domestik. Sektor komoditi yang beberapa tahun lalu
menjadi mesin penggerak pertumbuhan ekonomi masih terpuruk,
sedangkan permintaan ekspor juga terganggu karena lemahnya
pertumbuhan ekonomi di Eropa, Amerika Serikat, Jepang, dan
china.
The unsavory financial condition that started since 2014 still
continued in 2015. The economic growth only scaled up to 4.7%
due to the global instability that had been continuing along side
with minimum domestic economy growth. commodities sector
which several years ago had been the engine of this country’s
economic growth, still suffered from the crisis. on the other hand,
export demands had also been disturbed because of low economic
growth in Europe, United States, Japan and china.
Kondisi tersebut menyebabkan non performing loan (NPL) industri
perbankan secara rata-rata mengalami peningkatan dibandingkan
tahun 2014. Namun di tengah trend peningkatan NPL tersebut,
Bank Agris tetap menunjukkan jati dirinya sebagai bank kecil yang
konservatif dengan mencatatkan NPL bruto hanya sebesar 1,75%.
Apresiasi kepada Direksi Bank atas kehati-hatian yang ditunjukkan
di tengah tendensi penurunan kualitas kredit perbankan tersebut.
Those conditions had caused NPL banking industry in general
experiencing improvement compared to 2014. However, in the
middle of NPL increasing trend, Bank Agris kept on showing its
true identity as a conservative small bank by recorded bruto NPL
only as much as 1.75%. Appreciation to the Board of Directors
of the Bank was given for their cautioness shown amidst all the
tendency of decreasing bank loan quality.
Dari aspek keuangan, pencapaian kinerja Bank tergolong cukup
memadai. Pertumbuhan kredit mencapai 13,03% sedangkan aset
hanya bertumbuh 2,83%. Capital Adequacy Ratio (CAR) Bank tetap
terjaga pada level 17,35%. Meskipun profit belum optimal, Dewan
Komisaris dapat memahami kondisi tersebut karena merupakan
trade-off dari prinsip kehati-hatian di tengah kondisi ketidakpastian
global serta implementasi rencana ekspansi ke sektor agribisnis.
From financial perspective, the Bank’s performance achievement
was categorized as satisfactory. Loan credit growth had reached
13,03% while asset growth had only reached 2,83%. Bank’s
capital Adequacy Ratio was kept at level of 17,35%. Although the
profit was not in optimal state, the Board of commissioners could
understand this condition due to its trade-off nature resulted from
principle of awareness amidst all global uncertainties along with
expansion planning implementation to agribusiness sector.
Dari aspek pengembangan bisnis, Dewan Komisaris melihat
bahwa positioning Bank semakin membaik yang ditandai dengan
perbaikan rasio cASA terhadap dana pihak ketiga (DPK). Dalam
upaya menarik DPK dari masyarakat, Bank tidak ikut dalam perang
bunga sebagaimana peers bank. Sebagai dampaknya, suku bunga
dasar kredit Bank mengalami penurunan dari 12,52% pada awal
2015 menjadi 11,60% di akhir 2015.
From business development aspect, the Board of commissioners
saw the Bank’s positioning would get better shown by the
improvement in cASA ratio to Third Party Fund (TPF). In effort
of gathering TPF from society, Bank didn’t participate in interest
wars like most Banks were. As a result, the Bank’s base interest
rate experiencing reduction from 12,52% on beginning of 2015 to
11.60% by the end of 2015.
PANdANGAN MENGENAI PROSPEK
USAHA BANK AGRIS TAHUN 2016
VISION ABOUT BANK AGRIS BUSINESS
PROJEcT IN 2016
Bank juga telah merumuskan Visi Agris 2020 sebagai bank fokus
pada sektor agribisnis. Untuk mewujudkan visi tersebut, Bank
mengembangkan jaringan kantor dengan membuka beberapa
kantor fungsional sebagai tempat pemasaran agribisnis. Saat
ini, fokus agribisnis masih pada bidang yang telah dikuasai yaitu
peternakan dan perikanan. Kedua bidang tersebut kurang diminati
oleh perbankan pada umumnya karena risiko yang cukup tinggi.
Namun dengan bekal pemahaman yang lebih baik terhadap
karakteristik peternak dan petambak, Bank meyakini bahwa
peluang pembiayaan masih terbuka lebar.
Bank also had formulated its 2020 Agris Vision as a Bank focused in
agribusiness sector. To manifest the vision, Bank developed offices
network by opening several function offices as marketing places
for agribusiness. on this time, agribusiness was still focusing on
already familiar segment such as farming and fishery. Those two
fields, somehow were not favored by banking society, due to their
considerably high risk. However, thanks to better understanding
to farmers’ and fishermen’s characteristics, Bank believed that the
funding opportunities were still wide open and available.
Disamping itu, kemajuan teknologi yang dapat mempermudah
akses ke daerah dan desa yang menjadi sentra peternak atau
petambak dapat mengintegrasikan dan memonitor perkembangan
usaha debitur dengan lebih baik. Melihat potensi di bidang
peternakan dan pertambakan, namun di sisi lain risiko yang cukup
besar, Bank menempuh strategi untuk tumbuh dengan kecepatan
moderat tetapi fokus pada bidang tertentu dan pengelolaan risiko
yang moderat.
Besides that, the technological advancement facilitating access
to rural areas and villages where most farmers and fishermen
resided made it so much easier for Bank to integrate and monitor
debtors’ business activities. Realizing the great potency in farming
and fishery business, despite its high risk, had strenghtened the
Bank ‘s resolve in following business strategy that was growing in
moderate speed while maintaining its focus on selected field while
kept managing risk moderately.
PERUBAHAN KOMPOSISI dEWAN
KOMISARIS
cHANGES IN THE BOARd Of
cOMMISSIONERS cOMPOSITION
Pada tahun 2015 tidak ada perubahan komposisi Dewan Komisaris.
In 2015 there was no changes in the Board of commissioners
composition.
TATA KELOLA PERUSAHAAN
cORPORATE GOVERNANcE
Dari aspek tata kelola, Dewan Komisaris melihat bahwa dalam
penerapan prinsip-prinsip dasar, Bank telah mengikuti kaidah
yang ditetapkan oleh otoritas Jasa Keuangan sehingga rating
gcg dapat dijaga pada tingkat yang cukup baik. Dewan Komisaris
sangat terbantu oleh Komite Audit, Komite Pemantau Risiko, dan
Komite Nominasi dan Remunerasi yang secara aktif memberikan
masukan terhadap proses penegakan tata kelola.
From corporate governance point of view, the Board of
commissioners realized that in practicing basic principles, Bank
had followed regulations issued by FSA in order for gcg could be
maintained on acceptable level. The board of commissioners truly
appreciated with helps from Audit committee, Risk Monitoring
committee and Nomination and Remuneration committee who
actively gave their consults in improving corporate governance of
the Bank.
Namun demikian, Dewan Komisaris berpendapat bahwa
masih perlu dilakukan banyak pembenahan, khususnya dalam
menumbuhkan budaya sadar risiko di setiap level. Penguatan
first layer of defence dalam pemberian kredit dan pengelolaan
operasional yang aktifitasnya lebih banyak di cabang menjadi
agenda yang harus dibenahi pada tahun mendatang.
However, the Board of commissioners were agreed that
restructurization was needed especially in growing risk awareness
culture in every level of Bank management. Strenghtening first layer
of defence in granting loan credit and operational management
which mostly happened in branch offices became agenda that
needed to be revamped next year.
Paulus Nurwadono
Komisaris Utama
President Commissioner
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16 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Dewan Komisaris
The Board of Commissioners’ Proile | Annual Report 2015 | PT Bank Agris Tbk |
PROfIL dEWAN KOMISARIS
THE BoARD oF coMMISSIoNERS PRoFILE
Amin Handaya
Komisaris Independen
Independent Commissioner
Warga negara indonesia, umur 45 tahun. bergabung dengan bank
pada tahun 2008. menyelesaikan pendidikan s1 dari Fakultas teknologi
institut pertanian bogor (ipb) dan s2 di bidang manajemen strategis
di lembaga pendidikan dan pengembangan manajemen (lppm)
Jakarta. selanjutnya beliau bergabung dengan pt Makindo Securities,
kemudian bergabung dengan pt Global penta mandiri dan menjabat
posisi sebagai presiden direktur pt Global investama mandiri pada
tahun 1999-2005.
Kemudian beliau menekuni investment dengan bekerja di pt Insight
Investment Management sebelum bergabung di bank. pada desember
2007, melalui mekanisme rapat umum luar biasa pemegang saham,
beliau ditetapkan untuk diangkat menjadi Komisaris independen bank
dan menjadi efektif setelah lulus it and proper test dari bank indonesia
pada 23 mei 2008.
Indonesian citizen, 45 years old. He joined the Bank in 2008. He obtained
Bachelor’s degree at the Faculty of Technology, Bogor Agricultural University
(IPB) and then obtained a Master’s degree, in Strategic Management at
Lembaga Pendidikan dan Pengembangan Manajemen (LPPM) Jakarta.
Then, he joined PT Makindo Securities and after that, he joined with PT
Global Penta Mandiri and became President Director of PT Global Investama
Mandiri from the year of 1999 to 2005.
Later on, he was intensely occupied in investment banking, working with PT
Insight Investment Management, before he joined the Bank. In December
2007, through the Extraordinary General Meeting of Shareholders, he was
appointed as Independent Comissioner of the Bank. His appointment as
Independent Comissioner of PT Bank Agris became effective on May 23,
2008, after passing the required fit and proper test conducted by Bank
Indonesia.
Paulus Nurwadono
Komisaris Utama
President Commissioner
Warga negara indonesia, umur 48 tahun. bergabung dengan bank
agris pada tahun 2012 sebagai Komisaris utama. beliau menyelesaikan
studi s1 di Fakultas ekonomi universitas Gadjah mada tahun 1991 dan
s2 jurusan ekonomi di National university of Singapore tahun 1996.
selama berkecimpung dalam dunia keuangan, beliau pernah berkarir
di berbagai perusahaan seperti di pt pemeringkat efek indonesia
(Peindo), PT Bursa Efek Surabaya sebagai Kepala Divisi Riset dan
pegembangan bisnis, pt danareksa sekuritas sebagai direktur senior,
pt mandiri sekuritas sebagai eksekutif Wakil presiden dan pt sarana
multigriya Finansial (persero) sebagai direktur bisnis & operasional.
selain itu, beliau pernah menjabat sebagai Komisaris utama pt reksa
Finance pada tahun 2011 hingga 2012. saat ini menjabat Vice President
di pt Central proteina prima tbk dan Komisaris utama bank agris.
beliau pernah mendapatkan pelatihan yang ekstensif dari Standard
& Poor’s, Euromoney, Housing Development Finance Corporation
Ltd (HDFC), Wharton School of the university of Pennsylvania dan
lembaga-lembaga terkemuka lainnya.
Indonesian citizen, 48 years old. He joined with the Bank Agris in 2012 as
President Commissioner. He completed his Bachelor’s degree in Economics
at Gadjah Mada University in 1991, and obtained a Master’s degree in
Economics from National University of Singapore in 1996. During his career
ini financial sector, he had worked with a number of companies including
PT Pemeringkat Efek Indonesia (Pefindo), PT Bursa Efek Surabaya as
Division Head of Research and Business Development, Senior Director of
PT Danareksa Sekuritas, Executive Vice President of PT Mandiri Sekuritas
and Director of Business & Operations of PT Sarana Multigriya Finansial.
In addition, he served as President Commissioner at PT Reksa Finance in 2011
until 2012. Right now, he also served as Vice President at PT Central Proteina
Prima Tbk and President Commissioner of Bank Agris. He had attended a
variety of professional courses at the Standard & Poor’s, Euromoney,
Housing Development Finance Corporation Ltd (HDFC), Wharton School of
the University of Pennsylvania, and other leading instituations.
Rochhidayat Taepur
Komisaris Independen
Independent Commissioner
Warga negara indonesia, umur 61 tahun. bergabung dengan bank
pada tahun 2014. lulusan sarjana agribisnis institut pertanian bogor
(ipb) tahun 1979 dan s2 jurusan Human Resources Development STMPPM tahun 2000.
memiliki pengalaman di bidang perbankan selama kurang lebih 34
tahun. sebelumnya, beliau berkarir sebagai Project Manager di pt
Geodata Center pada tahun 1979-1980, sebagai Staff di pt bank rakyat
indonesia (bri) pada tahun 1980-1986, Deputy Manager (1986-1989),
branch Manager (1989-1996), Deputy GM of Division bri/Head of
Regional Ofice bri (1996-2000), GM/Head of Medium Loan Division
bri (2000-2001), GM/Head of Agribusiness Division (2001), Corporate
Secretary bri (2001-2003), Regional Manager (2003-2005), GM/Head
of Consumer banking Divison (2005-2006) dan Vice President Director
pt btmu bri-Finance, Joint Venture bersama antara bank of tokyomitsubishi uFJ, ltd. & pt bank rakyat indonesia (persero) tbk pada
tahun 2006-2011. setelah pensiun dari bri, mendirikan perusahaan
konsultan & Training center bidang perbankan, pt. dempo Wisnu
Kencana, sebagai direktur utama (2012-2014).
Indonesian citizen, 61 years old. Joined with the Bank in 2014. Earned a
Bachelor of Agribusiness from Bogor Agricultural University (IPB) in 1979
and a Master’s degree in Human Resources Development from STM-PPM
in 2000.
Has experience in banking for more than 34 years.Previously, he was a
Project Manager of PT Geodata Center in 1979-1980, Trainee in PT Bank
Rakyat Indonesia (BRI) in 1980-1986, Deputy Manager (1986-1989), Branch
Manager (1989-1996), Deputy GM of Division BRI/Head of Regional Office
BRI (1996-2000), GM/Head of Medium Loan Division BRI (2000-2001), GM/
Head of Agribusiness Division (2001), Corporate Secretary of BRI (20012003), Regional Manager (2003-2005), GM/Head of Consumer Banking
Division (2005-2006) and Vice President Director of PT BTMU BRI-Finance,
a joint venture between the Bank of Tokyo-Mitsubishi UFJ, Ltd. & PT Bank
Rakyat Indonesia (Persero) Tbk in 2006-2011. After his retirement from BRI,
he established Consultant & Training Centre for banking, PT. Dempo Wisnu
Kencana, as the main director (2012-2014).
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18 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan direksi
Report from the Board of directors | Annual Report 2015 | PT Bank Agris Tbk |
LAPORAN dIREKSI
REPoRT FRoM THE BoARD oF DIREcToRS
Sia Leng Ho
direktur Utama
President Director
Bank akan lebih berfokus kepada agribisnis melalui
sarana kantor fungsional.
The bank will be more focused in agribusiness
through functional ofice facilities.
19
20 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan direksi
Report from the Board of directors | Annual Report 2015 | PT Bank Agris Tbk |
Para pemegang saham yang kami hormati,
Dear honored shareholders
yang kuat dalam penerapan prinsip gcg, antara lain dengan
perbaikan Standard Operation Procedure (SoP) dan memenuhi
semua ketentuan yang menjadi dasar penerapan gcg. Saat ini
Bank telah memiliki core value dan etos kerja yang baik untuk
dapat mempertahankan penerapan gcg tetap baik.
Standard operation Procedure (SoP) revampment and fulfilling
execution of gcg. currently, Bank had core value dan proper work
ethic to guarantee good corporate governance performed well.
PROSPEK USAHA dAN
RENcANA dI TAHUN 2016
BUSINESS PROSPEcT ANd
PLAN IN 2016
Proyeksi tahun 2016, kinerja perbankan akan lebih baik dikarenakan
turbulensi perekonomian telah mereda. Diperkirakan sektor
infrastruktur akan meningkat dan akan terjadi perbaikan dari
sisi kredit. Salah satu keunggulan Bank Agris yang belum besar
membuat Bank cukup memiliki ruang dalam menjalankan
usahanya. Hal utama yang perlu dilakukan Bank adalah menjaga
likuiditas pada tingkat yang memadai, LDR pada tingkat 85 – 90%,
dan NPL di bawah 2%.
2016’s target, banking performance was hoped for the better
because of the ending of economic turbulence. Estimated
infrastructure sector would rise and there would be enhancement
in credit aspect. one of the Bank Agris’ advantages as a medium
sized bank was the availability of unimpeded room to operate its
business. The main thing Bank needed to do were to maintain
acceptable liquidity level. LDR level on 85 – 90%, and NPL level
under 2%.
Target Bank di tahun 2016 adalah menjadi BUKU 2, sehingga
tahun ini akan menjadi tahun penting bagi Bank karena akan terjadi
perubahan status dari BUKU 1 menjadi BUKU 2 yang berarti perlu
melakukan penyesuaian pada produk dan fasilitasnya.
Bank’s target in 2016 was to reach BUKU 2, and so this year had
become an important year for Bank because there would be status
change from BUKU 1 to BUKU 2 which meant that accordance was
needed for its products and facilities.
Bank telah menyiapkan blue print untuk lima (5) tahun mendatang
atau sampai dengan tahun 2020. Misi Bank akan lebih fokus
kepada agribisnis dengan perkiraan porsi sebesar 30% dari sektor
ekonomi. Tahap pembentukan diperkirakan akan membutuhkan
waktu 2 tahun melalui sarana kantor fungsional yang telah tersebar
di beberapa lokasi daerah agribisnis.
Bank had prepared blue print for next five (5) years or until 2020. The
Bank’s mission was to become more focused in agribusiness with
estimated portion of 30% from economy sector. Establishment
step was estimated to take two years with function offices facilities
that had spread to other locations in agribusiness area.
KINERJA PERUSAHAAN TAHUN 2015
THE cOMPANY’S PERfORMANcE IN 2015
Kinerja Bank tahun 2015 secara keseluruhan cukup baik walaupun
pada tahun 2014-2015, kondisi perekonomian kurang kondusif.
Peningkatan tetap terjadi pada dana pihak ketiga (DPK) menjadi
sebesar Rp. 3.494.487 juta dari tahun sebelumnya Rp. 3.482.969
juta atau peningkatan 0,33%, kredit menjadi sebesar Rp.
2.755.965 juta atau peningkatan 13,03% dari tahun sebelumnya
Rp. 2.439.290 juta, pertumbuhan aset meningkat 2,83% dari Rp.
4.101.329 juta di tahun 2014 menjadi Rp. 4.217.368 juta di tahun
2015, dan surat berharga Rp. 502.908 juta dari tahun sebelumnya
Rp. 271.767 juta atau peningkatan 85,05%.
The Bank’s overall performance in 2015 was satisfactory although
in 2014-2015, economic situation was not favorable. Progress took
place on Third Party Funds with total of Rp. 3,494,487 million from
last year’s amount of Rp. 3,482,969 million which was increased
by 0.33%, loan credit growth from Rp. 2,439,290 million in 2014
to Rp. 2,756,965 million in 2015 which was increased by 13.03%.
Bank’s asset was increased by 2.83% from Rp. 4,101,329 million
in 2014 to Rp. 4,217,368 million in 2015, obligation and securities
amounted to Rp. 502,908 million compared to previous year
amount of Rp. 271,767 million, which was improved by 85.05%.
Di tahun 2015, Bank melaksanakan Penawaran Umum Terbatas I
(PUT I) dengan jumlah keseluruhan saham yang telah diterbitkan
sebanyak 1.020.657.744 saham atau senilai Rp. 102.066 juta. Dana
yang diperoleh dari PUT I, setelah dikurangi biaya-biaya emisi
saham, akan digunakan seluruhnya untuk penambahan modal
untuk ekspansi kredit. Kami harapkan dengan adanya penambahan
modal dan pertumbuhan DPK, Bank dapat lebih besar lagi dalam
menyalurkan kredit ke masyarakat.
In 2015, Bank performed Limited Public offering I with total
released shares as much as 1,020,657,744 shares or equivalent to
Rp. 102,066 million. capital collected from Limited Public offering
I, after deducted from share emission, would be used completely
for share interpolation for credit expansion. We expected there
would be capital increment and third party fund growth, and
because of it, Bank were able to dispense greater amount of credit
to people and society.
Demikian juga untuk cAR telah menjadi sebesar 17,35%, hal ini
menunjukkan Bank telah mengoptimalkan permodalan yang ada.
Sementara mengenai harga saham Bank di Bursa Efek Indonesia
terjadi penurunan, dari harga saham perdana Rp. 110 menjadi Rp.
85 di akhir tahun ini.
Likewise for cAR’s growth had reached 17.35%, this showed
that Bank had optimized existing capital. While the stock price of
Bank Agris in Indonesian Stock Exchange experienced downward
progress from the initial shares price of Rp. 110 into Rp. 85 by the
end of this year.
Dalam rangka pengembangan jaringan kantor, Bank telah
membuka tujuh (7) kantor fungsional, yaitu di kabupaten garut,
Subang, Kediri, Jember, Magelang, Purwodadi, dan Pekalongan
yang berfungsi untuk memasarkan produk kredit Mikro Agris
Solusi (MAS), yaitu usaha peternakan ayam, pertambakan udang
dan ikan. Sedangkan pembukaan cabang baru belum direalisasikan
karena kondisi makro tahun 2015 belum kondusif.
As the expansion of office networks, Bank had established seven
(7) function offices in regencies such as garut, Subang, Kediri,
Jember, Magelang, Purwodadi and Pekalongan which function
was to market credit product Mikro Agris Solusi (MAS) as example,
poultry, shrimp farm and fishery. Instead, opening of new branch
offices had not been realized because of unconducive macro
economy situation in 2015.
PERUBAHAN KOMPOSISI ANGGOTA
dIREKSI
cHANGES IN THE BOARd Of dIREcTORS
cOMPOSITION
Pada tahun 2015 tidak ada perubahan komposisi Direksi.
In 2015 there was no changes in the Board of Directors composition.
APRESIASI
APPREcIATION
TANTANGAN dI TAHUN 2015
cHALLENGES IN 2015
Perekonomian Indonesia melambat sejak 1-2 tahun terakhir.
Kondisi ini juga berpengaruh pada industri perbankan dimana
perlambatannya berdampak sejak tahun lalu. Bila pada tahun 2014
tantangannya dari likuiditas dan kenaikan suku bunga, sedangkan
pada tahun 2015, perbankan dihadapkan pada risiko kredit, yaitu
merupakan dampak dari kenaikan harga BBM yang terjadi pada
kuartal IV tahun lalu yang mengakibatkan daya beli masyarakat
menurun. Dalam menghadapi tantangan di risiko kredit, Bank lebih
berkonsentrasi pada bidang ini, mulai dari melakukan monitoring
sampai kepada penagihan, dan memperkuat proses pemberian
kredit.
Indonesian economy had slowed down in past two years. The
condition also affected banking industry which slowdown had
started from last year. In 2014, the challenges came from liquidity
and rising of interest rates, while in 2015, banking segment was
faced with credit risk, resulted as effect from the rising price of
petroleum in last quarter of last year that reduced society buying
power. In tackling credit risk challenges, the Bank concentrated
more in this area starting from monitoring to billing and
strenghtening credit granting process.
Atas nama Direksi, kami mengucapkan terima kasih kepada Dewan
Komisaris yang telah memberikan arahan dalam mengelola Bank,
kepada seluruh karyawan atas dedikasi dan kontribusinya sehingga
menghasilkan kinerja Bank yang cukup baik di tahun 2015 ini.
on behalf of the Board of Directors, we would like to express our
gratitude to the Board of commissioners on the guidance given to
us in managing the Bank, also to all employees for their dedication
and contribution to produce good performance in 2015.
Kami juga menyampaikan terima kasih kepada pemegang saham,
nasabah, mitra kerja, dan pemangku kepentingan yang telah
memberikan kepercayaan dan dukungan kepada Bank Agris.
We would also like to deliver thanks to shareholders, customers,
business partners and stakeholders that had provided trust and
support to Bank Agris.
Bank akan terus memberikan kinerja yang lebih baik di tahun
mendatang.
Bank would always give better performance in the upcoming year.
TATA KELOLA PERUSAHAAN
GOOd cORPORATE GOVERNANcE
Selama 3 (tiga) tahun berturut-turut Bank telah menerapkan prinsip
gcg dengan baik dalam seluruh aktifitasnya pada setiap jenjang
organisasi. Mulai tahun 2013 Bank telah menetapkan landasan
For three (3) consecutive years Bank had performed gcg principles
well in every level of organization activities. From 2013 Bank had
laid strong foundation on performing gcg principles, such as
Sia Leng Ho
direktur utama
President Director
21
22 | PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Direksi
The Board of Directors’ Proile | Annual Report 2015 | PT Bank Agris Tbk |
PROfIL dIREKSI
Ardian Hak
THE BoARD oF DIREcToRS PRoFILE
Sia Leng Ho
direktur Utama (Independen)
President Director (Independent)
direktur Kepatuhan (Independen)
Director of Compliance
(Independent)
Warga negara indonesia, umur 57 tahun. bergabung dengan bank
agris pada tahun 2012. lulus dari san Francisco state university,
amerika serikat, pada tahun 1985, beliau meraih gelar administrasi
bisnis. sia leng ho mengawali karir perbankan di pt bank bali pada
tahun 1985 sebagai Assistant Manager Credit Review. Karirnya terus
menanjak hingga akhirnya dipercaya menjalankan tugas sebagai Vice
President (Corporate banking Segment Head) pada tahun 1989-1991.
dalam kurun waktu 1991-1997 beliau bergabung dengan pt bank
ekonomi raharja tbk sebagai direktur, selanjutnya di posisi Wakil
direktur utama hingga mei 2012 dan jabatan terakhir sebagai Komisaris
utama sebelum beliau bergabung dengan bank agris pada november
2012. pengalaman perbankan yang begitu luas terutama di bidang
perkreditan mengantar beliau ke posisi puncak sebagai direktur utama
bank agris sampai saat ini.
Warga negara indonesia, 58 tahun. bergabung dengan bank agris
sejak 2012. menyelesaikan pendidikannya di Fakultas ekonomi Jurusan
akuntansi universitas airlangga.
mengawali karir di dunia perbankan dengan mengikuti program
pendidikan eksekutif (ppe) di pt bank niaga pada tahun 1984. sejak
Januari 1985 mengawali karir di pt bank niaga sebagai Audit and
Control Division Head hingga desember 2008, dengan jabatan terakhir
sebagai Operation and IT, Risk Management Division Head. Karir beliau
berikutnya adalah sebagai Quality Assurance Division Head di pt bank
tabungan pensiun nasional sejak Januari 2009 sampai desember
2010. selanjutnya mulai Juni 2011 hingga april 2012 beliau menjabat
direktur Compliance and Risk Mangement di bank Fama international;
sejak mei 2012 beliau bergabung dengan bank agris sebagai direktur
Compliance.
Indonesian citizen, 58 years old, joined the Bank Agris from 2012. Held a
Bachelor in Economics with Accounting major from Airlangga University.
His banking career began when he joined the Executive Training Program
(PPE) at PT Bank Niaga in 1984. Since January 1985 to December 2008,
he worked at PT Bank Niaga as Audit and Control Division Head, and
subsequently as Operation and IT, Risk Management Division Head. He then
joined PT Bank Tabungan Pensiun Nasional and served as Quality Assurance
Division Head from January 2009 to December 2010. Next, from June 2011
to April 2012 he served as Director of Compliance and Risk Management at
PT Bank Fama International. He joined with Bank Agris since May 2012 to
serve as Director of Compliance.
Indonesian citizen, 57 years old. Joined with the Bank Agris in 2012.
Graduated from San Francisco State University, USA in 1985, he obtained
Business Administration Degree. Sia Leng Ho started his banking career
with PT Bank Bali in year 1985 as Assistant Manager of Credit Review.
His career rose progressively to the position of Vice President (Corporate
Banking Segment Head) in 1989-1991.
During 1991-1997, he joined with PT Bank Ekonomi Raharja Tbk as Director,
then as the Vice President Director until May 2012, and with the last position
as the President Commissioner before joining the Bank Agris in November
2012. With his vast banking experiences, especially in the credit sector
landed him to the top position as the President Director of Bank Agris that
lasted until now.
Bang Nathan christian
Wakil direktur Utama (Independen)
Vice President Director (Independent)
Warga negara indonesia, 61 tahun, bergabung dengan bank agris pada
tahun 2010. selepas meraih gelar sarjana ekonomi Jurusan akuntansi
di universitas trisakti pada tahun 1980, bang nathan Christian memulai
karir bidang perbankan sebagai Finance Manager pt bank Central asia
dalam tahun 1985-1988. Kemudian beliau dipercaya menjabat sebagai
General Manager Finance, Treasury and Credit pt bCa Finance.
Jabatan lain beliau adalah sebagai Wakil presiden direktur yang
membawahi Operational, Treasury and Credit pt bank ltCb-Ca. beliau
juga sempat menjabat sebagai General Manager HRD dan General
Manager Technical Assistance of Afiliated Bank pt bank Central asia
selama lima tahun (1994-1999). selanjutnya bergabung bersama bank
Windu pada tahun 2000 sebagai General Manager Operation hingga
diangkat menjadi direktur pada tahun 2003-2010. bang nathan Christian
bergabung bersama bank agris pada mei 2010 dan berdasarkan pada
Keputusan rapat umum pemegang saham luar biasa, 17 Juni 2010,
beliau diangkat sebagai direktur bisnis. selanjutnya beliau menduduki
posisi Wakil direktur utama bank agris pada desember 2012.
Indonesian citizen, 61 years old, joined with Bank Agris in 2010. After
graduating with a Bachelor of Economics with Accounting Major from
Trisakti University in 1980, Bang Nathan Christian started his banking career
working with PT Bank Central Asia as Finance Manager in 1985-1988. After
that, he became the General Manager Finance, Treasury and Credit of PT
BCA Finance.
He served as Vice President Director in charge of Operations, Treasury and
Credit at PT Bank LTCB-CA. He also served as General Manger of HRD and
as General Manager Technical Assistance of Affiliated Bank PT Bank Central
Asia for five years(1994-1999). In 2000, he joined Bank Windu as General
Manager Operations, and subsequently was appointed as Director, serving
between 2003-2010. In May 2010, Bang Nathan Christian joined with the
Bank Agris and was appointed to the position of Director of Business by a
Resolution of Extraordinary General Meeting of Shareholders on June 17,
2010. Since December 2012, he served as Vice President Director of Bank
Agris.
Maria Cortilia Vera Aianti
direktur (Independen)
Director (Independent)
Warga negara indonesia, 49 tahun. bergabung dengan bank agris sejak
tahun 2013. beliau mengawali karir perbankan lewat Management
Development Program di pt bank Central asia tahun 1991, setelah
beliau meraih gelar sarjana akuntansi dari universitas Gadjah mada.
selanjutnya, berbagai posisi tugas dijalani beliau di pt bank Central
asia tbk dalam kurun waktu 1992-2009 sampai akhirnya beliau pindah
untuk bekerja sebagai direktur operasional pt dyviacom intrabumi
tbk.
lulusan s2 jurusan manajemen internasional – strategi marketing dari
institut manajemen prasetiya mulya, tahun 2005. beliau bergabung
bersama bank agris sejak Februari 2013 dan berdasarkan Keputusan
rapat umum pemegang saham pada tanggal 14 agustus 2013, beliau
diangkat menjadi direktur.
Indonesian citizen, 49 years old. She joined Bank Agris since 2013. She began
her banking career by joining the Management Development Program of PT
Bank Central Asia in 1991, after obtaining a Bachelor in Accounting of Gadjah
Mada University. Between 1992-2009, she served in variety of positions
with PT Bank Central Asia Tbk before moving on to work with PT Dyviacom
Intrabumi Tbk as Director of Operations.
Obtained a