Laporan | Bank Syariah Bukopin

Visi, Misi, dan nilai-nilai perusahaan Strategi korporasi ikhtisar keuangan pemegang Saham Bank Syariah Bukopin Struktur organisasi profil Bank Syariah Bukopin peristiwa penting 2011 prestasi Bank Syariah Bukopin pengurus Bank Syariah Bukopin

Sambutankomisaris utama Sambutan Direktur utama Sambutan ketua Dewan pengawas Syariah tinjauan Makro ekonomi dan keuangan tinjauan Bisnis tata kelola perusahaan Manajemen risiko dan kepatuhan Sumber Daya insani teknologi dan informasi Dukungan Divisi tanggung Jawab Sosial perusahaan pejabat eksekutif kantor dan Delivery Channel produk & layanan laporan keuangan

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Vision, Mission, and Corporate Values

Corporate Strategy Financial Highlights The Shareholders of Bank Syariah Bukopin Organization Structure Bank Syariah Bukopin Profile Significant Event 2011 Bank Syariah Bukopin Achievements The Management of Bank Syariah Bukopin Message from The President Commissioner Message from The President Director Message from The Chairman of Sharia Supervisory Board

Macro Economic & Financial Highlight Business Highlight Good Corporate Governance Compliance & Risk Management Human Resources Information & Technology Divisions Supporting Corporate Social Responsibility Executive Functionary Delivery Channel & Office Product & Services Financial Report

Bank Syariah Bukopin annual report 2011

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n

Vision

Become the Preferenced Islamic Bank

with the Best Services

n

Mission

• Deliver the Best Service To The Customer

• Formalized Trustworthy & Professional Human

Resource

• Focus On Developing Micro, Small, Medium,

Enterprises (MSMEs)

• Develop Value Added to the Stakeholder

n

Corporate Values

• Trustworthy

• Integrity

• Concern

• Cooperativeness

• Quality

vision, mission, and corporate values

visi, misi, dan nilai-nilai perusahaan

n

Visi

Menjadi Bank Syariah pilihan dengan pelayanan

terbaik

n

Misi

•

Memberikan pelayanan terbaik pada nasabah

•

Membentuk Sumber Daya insani (SDi) yang

profesional dan amanah

•

Memfokuskan pengembangan usaha pada

Sektor usaha Mikro, kecil, dan Menengah

(uMkM)

•

Meningkatkan nilai tambah kepada

stakeholder

n

Nilai-Nilai Perusahaan

•

amanah

•

integritas

•

peduli

•

kerjasama

•

kualitas

untuk mencapai visi dan misi sesuai dengan arah kebijakan, pt Bank Syariah Bukopin menetapkan langkah-langkah strategis sebagai berikut:

1. pengembangan usaha dengan Fokus pada Sektor uMkM 2. Mengembangkan usaha komersial

3. Mengembangkan usaha konsumer

4. penyediaan Jasa-Jasa Fee-Based kepada nasabah 5. Memperkuat teknologi dan Jaringan pelayanan (outlet) 6. Memperkuat SDi

7. peningkatan kualitas pengelolaan risiko dan kepatuhan

To achieve vision and mission in accordance to policy direction, PT Bank Syariah Bukopin has determine some strategic steps as follows:

1. Business development with focus in MSMEs Sector 2. Develop Commercial Business

3. Develop Consumer Business

4. Provide Fee Based Services to Customer

5. Strengthen Technology and Services Network (Outlet) 6. Strengthen Human Resources

7. Improvement in Risk Management and Compliance Quality

corporate strategy

financial highlight 2011

ikhtisar keuangan 2011

Dalam Rupiah / in Rupiah

KETERANGAN 2011 2010 Pertumbuhan ITEMS

(Audited) (Audited) Growth (%)

NERACA FINANCIAL STATEMENT

aset total 2.730.026.909.823 2.193.952.328.077 24,43 Total Assets

pembiayaan 1.917.219.649.518 1.611.773.371.819 18,95 Financing

Dana pihak ketiga 2.291.737.724.902 1.621.913.387.702 41,30 Third Party Funds

Jumlah ekuitas 255.774.212.271 143.565.377.065 78,16 Total Equity

LAPORAN LABA (RUGI) STATEMENT OF INCOME (LOSSES)

Jumlah pendapatan 245.305.959.145 223.155.327.611 9,93 Total Income Jumlah Beban operasional 230.238.800.687 208.801.611.519 10,27 Total Operating Expenses laba (rugi) Bersih 12.208.835.206 10.234.143.192 19,30 Net Income (Losses)

RASIO KEUANGAN (%) FINANCE RATIO (%)

rasio kecukupan Modal 15,29 11,51 Capital Adequacy Ratio (CAR)

laba Bersih terhadap 0,52 0,74 Return on Assets (ROA)

aktiva rata-rata

laba Bersih terhadap 6,19 9,65 Return on Equity (ROE)

Modal rata-rata

total pembiayaan 83,66 99,37 Financing to Deposit Ratio (FDR)

terhadap Dana pihak ketiga

pembiayaan Bermasalah 1,74 3,80 Non Performing Financing (NPF)

terhadap total pembiayaan

Beban operasional 93,86 93,57 Operating Expenses to

terhadap pendapatan operasional Operating Income

Laba (Rugi) Bersih Net Income (Losses)

12.208.835.206

10.234.143.192

2010 2011 Aset Total

Total Assets

2.730.026.909.823

2.193.952.328.077

2010 2011

Pembiayaan Financing

1.917.219.649.518

1.611.773.371.819

2010 2011

Dana Pihak Ketiga Third Party Funds

2.291.737.724.902

1.621.913.387.702

2010 2011

Rasio Kecukupan Modal (CAR)

dalam % / in % 15,29

11,51

2010 2011

Laba Bersih terhadap Modal Rata-rata (ROE)

dalam % / in % 9,65

6,19

Bank Syariah Bukopin annual report 2011

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the shareholders of

bank syariah bukopin

pemegang saham

bank syariah bukopin

Setelah Setoran Modal Rp100 Miliar/After Capital Deposit 100 Billion

Pemegang Saham Seri A Seri B Seri C Rp %

Shareholders 10,000 (Lbr/sheets) 100 (Lbr/sheets) 50 (Lbr/sheets)

Dr. hajriyanto y. thohari, M.a. 3.667.000 - - 36.670.000.000 0,064%

emil abeng 1.015.000 50.000.000 - 15.150.000.000 0,895%

prof. Dr. a.Munir Mulkhan 990.000 - - 9.900.000.000 0,017%

prof. Dr. ir. M. amin aziz 710.000 - - 7.100.000.000 0,012%

Firman noor, S.h. 490.000 - - 4.900.000.000 0,009%

tee Suprapto 425.000 - - 4.250.000.000 0,007%

prof. Dr. Dawam rahardjo 350.000 - - 3.500.000.000 0,006%

ir. M. Dasron hamid, M.Sc. 290.000 - - 2.900.000.000 0,005%

Drs. h. Sugeng 200.000 - - 2.000.000.000 0,004%

prof. Dr. Bambang Setiaji, M.Si. - 90.000.000 - 9.000.000.000 1,579% pt Bank Bukopin, tbk - 420.000.000 4.000.000.000 242.000.000.000 77,569% pt Bakrie Capital indonesia - 350.000.000 - 35.000.000.000 6,142% pt Mega Capital indonesia - 350.000.000 - 35.000.000.000 6,142%

pt Jamsostek (persero) - 350.000.000 - 35.000.000.000 6,142%

pt Mitra usaha Sarana - 80.000.000 - 8.000.000.000 1,404%

TOTAL 8.137.000 1.690.000.000 4.000.000.000 450.370.000.000 100,000%

para

pemegang saham pt Bank Syariah

Bukopin (perseroan) merupakan dari perusahaan-perusahaan nasional dan para tokoh-tokoh dari kalangan unsur Muhammadiyah yaitu sebuah organisasi kemasyarakatan islam di indonesia yang memiliki anggota sangat besar. Modal Dasar perseroan seluruhnya adalah rp1.000.000.000.000,- (satu triliun rupiah), saat ini total modal perseroan yang telah disetor para pemegang saham sebesar rp450.370.000.000,- masing-masing rinciannya adalah:

PT

Bank Syariah Bukopin's (the Company) shareholders were part of national companies and figures from Muhammadiyah namely an Islamic organization in Indonesia with the biggest member.

The Company's capital based were

Rp1.000.000.000.000,- (one trillion rupiah), up until now total capital that has been paid up by the shareholders were Rp450,370,000,000,- with details as follows:

struktur organisasi

DIVISI SUPPORT PEMBIAyAAN

FINANCING SUPPORT DIVISION

DIREKTORAT BISNIS

BUSINESS DIRECTORATE

DIVISI MANAjEMEN RISIKO

RISK MANAGEMENT DIVISION

DIVISI KEPATUhAN

COMPLIANCE DIVISION

SEKRETARIS PERUSAhAAN

CORPORATE SECRETARY

SATUAN KERjA AUDIT INTERN

INTERNAL AUDIT TASK FORCE

DIVISI SUMBER DAyA INSANI

HUMAN RESOURCES DIVISION

KOMITE AUDIT

AUDIT COMMITTEE

KOMITE REMUNERASI & NOMINASI

NOMINATION & REMUNERATION COMMITTEE

DEwAN KOMISARIS

BOARD OF COMMISSIONERS

DEwAN PENGAwAS SyARIAh

SHARIA SUPERVISORY BOARD

DIREKTORAT UTAMA

PRIME DIRECTORATE

R U P S

AGMS*

KOMITE PEMANTAU RISIKO

RISK MONITORING COMMITTEE

BAGIAN TREASURy

TREASURY

DIVISI OPERASI & ANALISA KEUANGAN

FINANCIAL ANALISYS & OPERATION DIVISION

DIVISI PELAyANAN

SERVICE DIVISION

DIVISI SUPERVISI BISNIS & fEE BASED

FEE BASED & BUSINESS SUPERVISION DIVISION

DIVISI PENGEMBANGAN PRODUK

PRODUCT DEVELOPTMENT DIVISION

DIVISI RESTRUKTURISASI & PENyELESAIAN

PEMBIAyAAN

FINANCING RESTRUCTURING & SETTLEMENT DIVISION

DIVISI BISNIS AREA

AREA BUSINESS DIVISION

DIREKTORAT OPERASI & PELAyANAN

OPERATION & SERVICE DIRECTORATE

DIVISI INSTITUSI/ KOMERSIAL

COMMERCIAL/INSTITUTION DIVISON

DIVISI TEKNOLOGI INfORMASI

INFORMATION & TECHNOLOGY DIVISION

DIREKTORAT KEPATUhAN & MANAjEMEN RISIKO

COMPLIANCE & RISK MANAGEMENT DIRECTORATE

CABANG

BRANCH

Bank Syariah Bukopin annual report 2011

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bank syariah bukopin proile

profil bank syariah bukopin

Wide.

“The Company's continues to expand its business and network services. The opening of Makassar and Solo branch office has become a marker of development being done. Hopefully, outreach services were able to facilitate customers to acces banking services and open up new business for the Company's”.

perjalanan

perseroan bermula dari sebuah bank umum, yakni pt Bank persyari-katan indonesia yang diakuisisi oleh pt Bank Bukopin, tbk, yang selanjutnya dikembangkan dan dikonversikan menjadi bank syariah. pt Bank persyarikatan indonesia didirikan berdasar-kan akta nomor 102 tanggal 29 Juli 1990 di hadapan notaris Dr. Widjojo Wilami, S.h., di Samarinda, kalimantan timur, dengan nama pt Bank Swansarindo internasional.

Setelah memperoleh izin operasi syariah dari Bank indonesia (Bi) pada 27 oktober 2008, pada 9 Desember 2008 perseroan resmi menjalankan kegiatan operasional perbankan berdasarkan prinsip syariah. Selanjutnya, pada 11 Desember 2008 perseroan diresmikan oleh M. Jusuf kalla, Wakil presiden republik indonesia periode 2004-2009.

Selaku pemegang saham mayoritas, pt Bank Bukopin, tbk, senantiasa menunjukkan komit-men kuat, baik melalui penambahan modal maupun upaya-upaya lain. Salah satunya melalui pengalihan hak dan kewajiban unit usaha syariah (uuS) pt Bank Bukopin, tbk, ke dalam badan usaha perseroan pada 10 Juli 2009.

untuk fokus bisnis di industri perbankan syariah, perseroan mengambil posisi pada sektor uMkM. Sementara, bidang usaha yang menjadi

segmentasi adalah bidang pendidikan, kesehatan, minyak dan gas (migas), telekomunikasi, transportasi, pariwisata, konstruksi, dan perdagangan umum. Mengingat fungsi intermediasi perbankan tidak hanya pembiayaan, perseroan juga memperkuat sisi pendanaan melalui penghimpunan dana dari masyarakat, baik perorangan maupun

perusahaan-perusahaan yang ada di tanah air. terkait dengan perkembangan industri perbank-an di indonesia, perseroperbank-an terus mengembperbank-ang- mengembang-kan bisnis dan memperluas jangkauan layanan. pada 2011 perseroan menambah 2 (dua) kantor

The

journey of the Company started from a commercial bank namely PT Bank Persyarikatan Indonesia, which was acquired by PT Bank Bukopin, Tbk, which subsequently developed and converted into Islamic banks. PT Bank Persyarikatan Indonesia was established by Deed Number 102 On July 29, 1990 in front of notary, Dr. Widjojo Wilami, S.H., in Samarinda, East Kalimantan, with the name PT Bank Swansarindo Internasional.

After acquiring the sharia operational permit from Central Bank of Indonesia on October 27, 2008, on December 9, 2008, the Company officially ran the operational banking activity based on sharia principles. Furthermore, on December 11, 2008, the Company is

inaugurated by M. Jusuf Kalla, Indonesia’s Vice President for the period of 2004-2009.

As the majority shareholders, PT Bank Bukopin, Tbk, always shows strong commitment, both in capital increase and in other efforts. One of the efforts was through the diversion of sharia business unit of PT Bank Bukopin, Tbk’s rights and obligations into the Company’s business entities on July 10, 2009.

For business focus in the Islamic banking industry, the Company took position in the micro, small, and medium enterprises (MSMEs). Meanwhile, the segmentation of the business field is education, health, oil and gas, telecommunication, transportation, tourism, construction, and general trading. Considering banking’s intermediating function was not just to finance, the Company also strengthen its funding side via fund accumulation from the community, both from individuals and companies in this country.

In relation with the development of banking industry in Indonesia, the Company keep expand its business and broaden its service reach. In 2011, the Company added 2 (two) new

Bank Syariah Bukopin annual report 2011

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cabang baru, yakni kantor Cabang Makassar dan Solo, serta Cabang pembantu Surabaya. Melalui penambahan kantor cabang itu, perseroan berharap bisa memberikan kemudahan bagi para nasabah serta membuka bisnis baru bagi perseroan.

Seiring dengan pengembangan itu, perseroan juga mengupayakan peningkatan kualitas SDi yang notabene menjadi salah satu unsur terpenting dalam peningkatan kualitas layanan dan pengembangan bisnis. perseroan meyakini, SDi memegang peranan penting dalam

menghadapi persaingan bisnis yang makin ketat. terkait dengan hal itu, sepanjang 2011, persero-an telah bpersero-anyak menggelar training, workshop, dan seminar. Training tersebut ada yang bersifat mandatory, yakni karena tuntutan jabatan atau tugas seperti sertifikasi manajemen risiko, ada pula yang bersifat program khusus dengan jang-ka waktu relatif lebih lama, seperti training dasar-dasar pembiayaan, dasar-dasar-dasar-dasar operasional, atau trainingOfficerDevelopmentProgram (ODP). ada juga yang bersifat reguler, seperti training teknis operasional dan training untuk support.

untuk bidang teknologi informasi (ti), perseroan terus-menerus melakukan pengembangan guna memberikan kemudahan transaksi bagi para na-sabah. pengembangan ti tentu saja diselaraskan dengan pengembangan produk-produk e-banking dan payment gateway sesuai dengan prinsip sya-riah.

Walau usianya masih muda, perseroan telah me-miliki eksistensi yang cukup bagus di industri perbankan syariah indonesia. terbukti, selain pe-ningkatan bisnis, perseroan telah mendapatkan pengakuan berupa penghargaan dari lembaga lain, seperti penghargaan peringkat kedua untuk kategori Digital Islamic Bank Brand dalam “Digital Brand of the year 2011” yang diselenggarakan Majalah Infobank dan twinkle Spin indonesia serta penghargaan “indonesia Service to Care award” dari Marketeers yang bekerja sama dengan Markplus insight.

branch offices, which are Makassar Branch Office and Solo Branch Office, and Surabaya Sub-Branch Offices. With the addition of these new branch offices, hopefully the Company can bring more convenience for the customers and uncover new business for the Company.

Along with this expansion, the Company also seek to improve the quality of human resources which is one of the most important component in the improvement of service quality and business development. The Company believes that human resources hold an important role in facing a tougher business competition.

So throughout 2011, the Company has held trainings, workshops, and seminars. Some of the training is mandatory because of jobs demand, such as risk management certification, and some them was a special program with a relatively longer period, such as basic training of financing, operational basics, or Officer

Development Program (ODP) training. Some of the training are regular training, such as operational technical training and support training.

For the information technology (IT) field, the Company develops continuously to give consumers easier transaction. The IT development was of course harmonized with e-banking and payment gateway product developments in accordance with sharia principles.

Though it's relatively young, the Company already has a pretty good existence in the Islamic banking industry in Indonesia. Besides business improvement, this also been proved by acknowledgements in the form of awards from other institution, such as the second rank award for The Digital Islamic Bank Brand category in “Digital Brand of The Year 2011” which is held by Infobank Magazine and Twinkle Spin

Indonesia, and also “Indonesian Service to Care Award” from Marketeers in cooperation with MarkPlus Insight.

BANK SYARIAH BUKOPIN PROFILE Profil Bank Syariah Bukopin

hingga saat ini, perseroan telah memiliki kantor pusat yang beralamat di Jalan Salemba raya nomor 55, Jakarta pusat; 9 kantor cabang; 5 kantor cabang pembantu; 2 kantor kas; dan 29 kantor layanan syariah, yang tersebar di seluruh indonesia. Dengan dukungan infrastruktur, yakni ti dan jaringan yang memadai, serta SDi yang profesional dan dapat diandalkan, perseroan senantiasa optimistis mampu memberikan pelayanan prima dan memuaskan nasabah. Juga, mampu menjawab kebutuhan masyarakat yang erat kaitannya dengan jasa dan layanan perbankan serta keuangan yang berdasarkan prinsip syariah.

Up until now, the Company has a head office located in Jl. Salemba Raya Number 55, Central Jakarta; 9 branch offices, 5 sub-branch offices; 2 cash offices; and 29 delivery channels, which are located all around Indonesia. With the support of infrastructures such as IT,

appropriate networking, and also professional and reliable human resources, the Company was optimist that it will be able to give a prime service that satisfies customers, and also answers the community’s needs that are closely related with sharia based financial and banking services.

Bank Syariah Bukopin annual report 2011

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januari

17 januari 2011. perseroan

menyelenggarakan kerjasama dengan pt Bank Bukopin, tbk dan koperasi Swamitra Syariah mengenai pengeloaan kegiatan Simpan pinjam Swamitra Syariah di Gedung Bank Syariah Bukopin, Jalan Salemba raya nomor 55, Jakarta pusat.

January

January 17, 2011. The Company held a cooperation with PT Bank Bukopin, Tbk and Sharia Swamitra Cooperative for Savings and Loan management activities of Sharia Swamitra at Bank Syariah Bukopin Head Office, Jalan Salemba Raya Number 55, Central Jakarta.

significant event 2011

peristiwa penting 2011

26 januari 2011. perseroan menyelenggarakan Workshop

operasional dalam rangka meningkatkan kualitas layanan dan efisiensi perseroan. acara ini diselenggarakan pada 26-28 Januari 2011 di hotel Banana inn, Bandung.

January 26, 2011. The Company held Operations Workshop in order to improve service quality and efficiency of the Company. The event was held on January 26 to 28, 2011 at Banana Inn Hotel, Bandung.

31 januari 2011. perseroan

menandatangani kerjasama dengan pt andalan artha advisindo Sekuritas (aaa Securities) mengenai penunjukkan perseroan sebagai Sub-agen penjual Sukuk negara ritel Sr-003 tahun 2011 di Gedung Bank Syariah Bukopin pusat, Jalan Salemba raya nomor 55 Jakarta pusat.

January 31, 2011. The Company signed an agreement with PT Andalan Artha Advisindo Securities (Securities AAA) regarding the appointment of the Company as a Sub-Sales Agent of Retail State Sukuk SR-003 in 2011 at the Bank Syariah Bukopin Head Office, Jalan Salemba Raya Number 55, Central Jakarta.

31 januari 2011. perseroan meraih penghargaan “The Best of Indonesia Service to Care Award 2011” untuk kategori bank syariah yang

diselenggarakan oleh Markplus insight bekerjasama Marketeers dengan pada 27 Februari 2011 di hotel Four Season, Jakarta Selatan.

January 31, 2011. The Company was awarded as “The Best of Indonesia Service to Care Award 2011” for the category of Islamic banks held by the MarkPlus Insight in collaboration with Marketeers on February 27, 2011 at the Four Season Hotel, South Jakarta.

februari

7 februari 2011. perseroan melaksanakan kegiatan training of trainers perbankan Syariah bertempat di lobby kampus universitas az-Zahra, Jakarta.

February

February 7, 2011. The Company conducts Training for Trainers for Islamic Banking held at Campus Lobby of Az-Zahra University, Jakarta.

23 februari 2011. perseroan berpartisipasi dalam acara try out uaSBn 2011, lomba mewarnai, dan bazaar kuliner yang dilaksanakan pada 23-26 Februari 2011, di SDit az-Zahra, Citeureup, Bogor.

February 23, 2011. the Company participated in the try out uaSBn 2011, coloring contest, and culinary bazaar that was held on February 23 to 26 2011, at SDit az-Zahra, Citeureup, Bogor.

Maret

15 Maret 2011. perseroan mengadakan

Investor Gathering di hotel Bidakara, Jakarta Selatan.

March

March 15, 2011. The Company held an Investor Gathering at Hotel Bidakara, South Jakarta.

18 Maret 2011. perseroan meraih predikat “the Best Banking and Service award 2011” dalam acara aSean Business award 2011 yang

diselenggarakan di hotel le Meridien, Jakarta Selatan.

March 18, 2011. The Company won the title of “The Best Banking and Service Award 2011” in the ASEAN Business Award 2011 ceremony held at Hotel Le Meridien, South Jakarta.

24 Maret 2011. perseroan menyelenggarakan rapat umum pemegang Saham tahunan dan rapat umum pemegang Saham luar Biasa yang diselenggarakan di hotel harris, tebet, Jakarta Selatan.

March 24, 2011. The Company held the annual general meeting shareholders (AGMS) and the extraordinary general meeting shareholders (EGMS) at the Hotel Harris, Tebet, South Jakarta.

April

5 April 2011. perseroan melakukan kegiatan Media Visit ke kantor redaksi harian padang ekpress di padang, Sumatera Barat.

April

April 5, 2011. The Company conduct Media Visit activity to the Editorial Office of Padang Ekpress Daily in Padang, West Sumatera.

8 April 2011. perseroan melakukan Media Visit ke harian Republika di Jalan Mampang prapatan nomor 17, Jakarta Selatan.

April 8, 2011. the Company conduct Media Visit to Republika Daily at Jalan Mampang prapatan number 17, South Jakarta.

27 April 2011. perseroan melakukan penandatanganan Memorandum of Understanding (MoU) dengan pimpinan pusat Muhammadiyah mengenai “pemanfaatan jasa layanan perbankan syariah” di Gedung pusat Dakwah Muhammadiyah, Jakarta.

April 27, 2011. The Company signed a memorandum of understanding (MOU) with the central leadership (PP) of the "utilization of Muhammadiyah Islamic banking services" in Muhammadiyah Da’wah Center Building, Jakarta.

Mei

2 Mei 2011. perseroan diberi

kepercayaan sebagai nara sumber dalam Seminar yang diadakan oleh Dewan koperasi indonesia di Gedung SMeSCo, Jakarta.

May

May 2, 2011 The Company gained the trust to be a guest speaker in a seminar held by Indonesia Cooperative Council in SMESCo Building, Jakarta.

10 Mei 2011. perseroan melakukan Media Visit ke kantor redaksi harian Bisnis indonesia di Gedung Bisnis indonesia, Jakarta.

May 10, 2011. The Company conduct Media Visit to Editorial Office of Bisnis Indonesia Daily in Bisnis Indonesia Building, Jakarta.

13 Mei 2011. perseroan melakukan Media Visit ke kantor redaksi harian Solo pos di Gedung Griya Solo pos, Solo.

May 13, 2011. The Company conduct Media Visit to the Editorial Office of Solo Pos Daily in Griya Solo Pos Building, Solo.

14 - 16 Mei 2011. perseroan berpartisipasi dalam rapat kerja nasional (rakernas) i Majelis ekonomi dan kewirausahaan pp Muhammadiyah yang diselenggarakan di universitas Muhammadiyah Surakarta pada 14-16 Mei 2011. Dalam kesempatan tersebut, perseroan telah menandatangani perjanjian kerjasama dengan induk koperasi Jasa keuangan Syariah (induk kJkS) Baitul tamwil Muhammadiyah (BtM) untuk pemanfaatan jasa layanan syariah.

May 14 – 16, 2011. The Company participated in the National Work Meeting I Muhammadiyah Chamber of Economic and Entrepreneurship Center Leadership (PP) which was held at the University of Muhammadiyah Surakarta (UMS), Surakarta, Central Java. On that occasion, the Company signed a cooperation agreement with the holding of Islamic Financial Services Cooperative (KJKS Holding) Baitul Tamwil

Muhammadiyah (BTM) for the use of sharia services.

25 Mei 2011. perseroan berpartisipasi menandatangani Memorandum of Understanding (MoU) tentang pelaksanaan Fungsi Sosial perbankan Syariah melalui program perbankan Syariah peduli (iB peduli) dengan Badan amil Zakat nasional di Gedung Bank indonesia, Jakarta.

May 25, 2011. The Company has participated in signing the memorandum of understanding (MOU) regarding the implementation of the Social Functions of Islamic Banking Care Program (iB Care) with the National Institution for Amil Zakat (Baznas) at the Central Bank of Indonesia (BI) building, Jakarta. 6 April 2011. perseroan meresmikan

relokasi kantor Cabang pembantu (Capem) payakumbuh yang semula berada di Jalan Jenderal Sudirman no. 14a payakumbuh, kini pindah lokasi ke Jalan Soekarno hatta no. 136 payakumbuh Sumatera Barat.

April 6, 2011. The Company inaugurate the relocation of Sub Branch Office of Payakumbuh which was located in Jalan Jenderal Sudirman No. 14A Payakumbuh, and now relocated to Jalan Soekarno Hatta No. 136 Payakumbuh West Sumatera.

Bank Syariah Bukopin annual report 2011

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SIGNIFICANT EVENT 2011

Peristiwa Penting 2011

juni

3 juni 2011. perseroan berpartisipasi dalam kegiatan Seminar “Developer Business Property” yang diselenggarakan oleh universitas indonusa esa unggul di hotel Menara peninsula, Jakarta.

June

June 3, 2011. the Company participated on Developer Business property Seminar activity held by indonusa esa unggul university at hotel Menara peninsula, Jakarta.

5 juni 2011. perseroan melakukan penandatanganan Memorandum of Understanding (MoU) dengan amanah Finance mengenai pembiayaan secara

channeling, di Gedung Bank Syariah Bukopin pusat, Jalan Salemba raya nomor 55 Jakarta pusat.

June 5 2011. The Company has signed memorandum of understanding (MOU) with Amanah Finance regarding financing with channeling program on Bank Syariah Bukopin head office, at Jalan Salemba Raya, Number 55, Central Jakarta. 25 juni 2011. perseroan melakukan Workshop dalam “pameran edukasi dan Sosialisasi perbankan Syariah” dengan Direktorat perbankan Syariah Bank indonesia di arena pekan raya Jakarta.

June 25, 2011. The Company conduct a Workshop at“Education and Socialization of Islamic Banking Exhibition” with Islamic Banking Directorate of Central Bank of Indonesia at Arena Pekan Raya Jakarta.

19 juli 2011. perseroan melakukan penandatanganan kerjasama dengan pt indosat, tbk mengenai penggunaan teknologi berbasis internet protocol (IP) dengan teknologi multi protocol label switch (MPLS) di Gedung Bank Syariah Bukopin pusat, Jalan Salemba raya nomor 55 Jakarta pusat.

July 19, 2011. The Company has signed an agreement with PT Indosat, Tbk regarding the use of internet protocol (IP) technology with multi protocol label switch (MPLS) in Bank Syariah Bukopin Head Office, Jalan Salemba Raya, Number 55, Central Jakarta.

28 juli 2011. perseroan melakukan penandatanganan kerjasama dengan yayasan Dompet Dhuafa republika sebagai salah satu penyalur zakat Dompet Dhuafa di Gedung Bank Syariah Bukopin pusat, Jalan Salemba raya no. 55 Jakarta pusat.

July 28, 2011. The Company signed an agreement with Dompet Dhuafa Republika Foundation as one of Dompet Dhuafa Alms chanelling at Bank Syariah Bukopin Head Office, Jalan Salemba Raya, No. 55, Central Jakarta.

8 Agustus 2011. perseroan melakukan pembukaan kantor Cabang Makassar yang berlokasi di Jl. Dr Sam ratulangi no.98 Makasar, Sulawesi Selatan.

August 8, 2011. The Company launched and open Makassar Branch Office which located at Jalan DR. Sam Ratulangi, Number 98, Makassar, Sulawesi Selatan.

15 Agustus 2011. perseroan menggelar acara Buka puasa Bersama dengan media di restoran Bumbu Desa, Cikini, Jakarta pusat.

August 15, 2011. The Company held Break Fasting activity together with media at Bumbu Desa Restaurant, Cikini, Central Jakarta.

19 Agustus 2011. perseroan melakukan kegiatan Buka puasa Bersama dengan karyawan di Gedung Bank Syariah Bukopin pusat, Jalan Salemba raya 55 Jakarta pusat.

August 19, 2011. The Company held Break Fasting activity together with all employee at Bank Syariah Bukopin Head Office, Jalan Salemba Raya 55 Central Jakarta.

juli

6 juli 2011. perseroan mengadakan sosialisasi dan photo Captions mengenai penyediaan jasa layanan Safe Deposit Box pada kantor Cabang Melawai.

july

July 6, 2011. The Company has conduct socialization and Photo Captions regarding the Provision of Safe Deposit Box services at Melawai branch office.

11 Agustus 2011. perseroan

melaksanakan Business Gathering yang dilangsungkan di hotel Best Western, Solo.

August 11, 2011. The Company conduct Business Gathering that was held at Best Western Hotel, Solo.

11 Agustus 2011. kantor Cabang perseroan di Jl. Brigjen Slamet riyadi, Surakarta, Solo secara resmi dibuka.

August 11 2011. The Company launched and open Solo Branch Office which located at Jalan Brigjen Slamet Riyadi, Number 271, Surakarta, Central Java.

Agustus

8 Agustus 2011. perseroan melakukan Media Visit ke kantor redaksi harian Fajar Makassar, di Makassar.

August

August 8, 2011. The Company conduct Media Visit to the Editorial Office of Fajar Makassar Daily, in Makassar.

8 Agustus 2011. perseroan melaksanakan Business Gathering dengan amal usaha Muhammadiyah, Makassar.

August 8, 2011. The Company conduct Business Gathering with Muhammadiyah Charitable Effort, Makassar

September

7 September 2011. perseroan melaksanakan kegiatan halal Bihalal bersama seluruh karyawan kantor pusat dan cabang Melawai Gedung Bank Syariah Bukopin pusat, Jalan Salemba raya nomor 55 Jakarta pusat.

September

September 7, 2011. The Company held Halal Bihalal activity together with all employee of Head Office and Melawai branch at Bank Syariah Bukopin Head Office, Jalan Salemba Raya Number 55 Central Jakarta.

29 September 2011. perseroan meraih penghargaan sebagai “The Most Favourite Service Quality & Product For Syariah Banking” dalam acara “indonesia property and Bank award 2011” di hotel Borobudur, Jakarta pusat.

September 29, 2011. the Company has achieved an award as The Most Favourite Service Quality & Product For Syariah Banking at the event of “Property & Bank Award 2011” at Hotel Borobudur, Central Jakarta.

15 Oktober 2011. perseroan melakukan penandantanganan Memorandum of understanding (Mou) antara pimpinan pusat Muhammadiyah dengan 7 (tujuh) bank syariah.

Oktober 15, 2011. The Company has signed Memorandum of Understanding (MoU) between Head of Muhammadiyah with 7 (seven) Islamic banks.

Oktober

6 Oktober 2011. perseroan melakukan penandatanganan perjanjian kerjasama dengan universitas Muhammadiyah tangerang (uMt) mengenai pemanfaatan produk & Jasa Syariah di Gedung uMt, tangerang, Banten.

October

October 6, 2011. the Company has signed an agreement with University of Muhammadiyah Tangerang (UMT) regarding the use of Sharia Product and Services at UMT building, Tangerang, Banten.

17 Oktober 2011. perseroan melaksanakan penandatanganan amandemen perjanjian kerjasama dengan pt pln (persero) mengenai penerimaan pembayaran tagihan listrik dan tagihan lainnya Secara terpusat di ruang auditorium Gedung utama lantai 3, kantor pusat pt pln (persero), Jalan trunojoyo Blok M i/135, Jakarta Selatan.

October 17, 2011. The Company has signed an amendment agreement with PT PLN (Persero) regarding Centralized Receipt of Payment on Electricity Bills and other Bills at Auditorium Main Room building 3rd _{floor, PT PLN (Persero) Head} Office, Jalan Trunojoyo, Blok M I/135, South Jakarta.

Desember

7-9 Desember 2011. perseroan melaksanakan kegiatan rapat kerja tahunan 2012 yang dilaksanakan di hotel Scarlet, Bandung, Jawa Barat.

December

December 7-9, 2011. The Company held Annual Meeting 2012 at Scarlet Hotel, Bandung, West Java.

10 Desember 2011. perseroan menggelar acara employee Gathering Millad yang dilaksanakan di Sari ater hotel & resort, Subang.

December 10, 2011. The Company held an Employee Gathering Millad, that was held at Sari Ater Hotel & Resort, Subang.

12 Desember 2011. perseroan berpartisipasi dalam rapat kerja nasional (rakernas) kebendaharaan pengurus pusat Muhammadiyah dalam rangka menggali dana murah melalui iB siaga yang dipresentasikan pada acara yang diselenggarakan di asrama pondok haji, Jakarta timur.

December 12, 2011. The Company has done a presentation regarding iB SiAga saving to explore more on low cost fund at Treasury National Work Meeting (Rakernas) Muhammadiyah central board that has been held at Asrama Pondok Haji, Pondok Gede, East Jakarta.

Bank Syariah Bukopin annual report 2011

14

bank syariah bukopin achievements

prestasi bank syariah bukopin

Reliable

.“The service given by the Company has a credibility that can be relied upon and has

prioritized hospitality, comfort, and good relationships”.

Dari

waktu ke waktu, perseroan selalu berko -mitmen untuk terus meningkatkan pelayanan kepada masyarakat, selain pencapaian bisnis. kepuasan nasabah menjadi tujuan utama perseroan dalam menjalankan bisnis perbankan syariah di tanah air. Dengan komitmen dan pengembangan yang terus-menerus dilakukan, kualitas layanan perseroan pun makin meningkat signifikan.

kualitas pelayanan yang diberikan perseroan terus meningkat jika dibandingkan dengan tahun sebelumnya. hasil riset dan survei yang dilaku-kan Markplus insight menunjukdilaku-kan, pelayanan yang diberikan perseroan memiliki kredibilitas yang dapat diandalkan serta mengutamakan keramahan, kenyamanan, dan hubungan yang baik. hal itu tercermin dalam penghargaan Indonesia Service to Care Award dari Marketeers yang bekerja sama dengan Markplus insight. intinya, kesuksesan yang diraih perseroan, baik dalam hal kinerja keuangan maupun pengakuan dari pihak eksternal, merupakan output dedikasi, kerja keras, dan komitmen jajaran manajemen, karyawan, serta pemangku kepentingan yang ada. Walau usianya masih terbilang muda, perseroan mampu menunjukkan eksistensi dalam percaturan bisnis perbankan syariah di indonesia.

kesungguhan dan komitmen perseroan dalam hal pencapaian target usaha dan pelayanan terhadap nasabah merupakan kata kunci perseroan dalam menerjemahkan proses usahanya. Saat ini prestasi gemilang yang berhasil dicetak perseroan dalam meningkatkan performanya telah menjadi barometer bagi industri perbankan syariah di tanah air.

kendati demikian, perseroan tidak lantas ber-puas diri. perseroan terus-menerus mening kat-kan kualitas pelayanan kepada nasabah. karena,

From

time to time, the Company always commit to keep improve its service to the community, aside from business achievements. Customer’s satisfaction is the main goal of the Company in implementing the Islamic banking business in the nation. With commitment and continuous development, the Company’s service quality is increasing significantly.

The quality of service that the Company gave is increasing compared to the previous year. MarkPlus Insight has done a research and survey which showed that the service that is given by the Company is reliable, prioritizing hospitality, comfort, and great relationship. It is reflected in the Indonesia Service to Care Award from Marketeers that cooperate with MarkPlus Insight.

The point is, the success that is achieved by the Company, both in the financial performance and in external recognition, is an output of

dedication, hard work, and commitment from the management, employee, and existing stakeholders. Even though it’s still relatively young, the Company has been able to show its existence in the Islamic banking industry in Indonesia.

The Company’s sincerity and commitment in terms of achieving business and service target towards the customers is the Company’s keyword in interpreting its business process. At the moment, brilliant achievement that is managed to be accomplished by the Company in improving its performance has been a barometer in the nation’s Islamic banking industry.

However, the Company won’t rest on its laurels. The Company will keep improve the quality of service for the customers, because the

Bank Syariah Bukopin annual report 2011

16

BANK SYARIAH BUKOPIN ACHIEVMENT

Prestasi Bank Syariah Bukopin

nasabah memiliki peranan penting dalam kemajuan dan perkembangan bisnis yang ada. kesinambungan dan konsistensi perseroan dalam memberikan pelayanan terbaik kepada nasabah pada akhirnya berhasil mendapatkan apresiasi yang tinggi dari berbagai kalangan di industri perbankan nasional. keseriusan perseroan dalam memberikan pelayanan prima tersebut juga direspons secara positif dan konstruktif oleh segenap stakeholder di industri perbankan syariah. hal itu dibuktikan dengan berbagai penghargaan yang diperoleh perseroan sepanjang 2011. Berikut adalah penghargaan-penghargaan yang berhasil diraih perseroan selama 2011:

1. 31 januari 2011 perseroan menerima penghargaan Indonesia Service to Care Award dari Markplus insight.

2. 18 Maret 2011 di ajang “aSean Bisnis award 2011” perseroan mendapatkan penghargaan sebagai The Best Banking & Service Excellent of The Year.

customer has a crucial role in the business improvement and development.

The Company’s sustainability and consistency in giving the best service towards the customer eventually achieve high appreciation in various circles in the national banking industry. The Company’s seriousness in giving prime services also positive and constructive responds from all stakeholders in the Islamic banking industry. It is proven by various awards the Company achieved throughout 2011. These are the awards the Company achieved in 2011:

1. January 31, 2011 the Company received Indonesia Service to Care Award from MarkPlus Insight.

2. March 18, 2011 in “ASEAN Business Award 2011” event, the Company achieved recognition as The Best Banking & Service Excellent of The Year.

3. 21 Juli 2011 di ajang “ Rekor Bisnis 2011” Perseroan mendapatkan penghargaan sebagai Bank Umum Syariah Pertama yang

Meluncurkan Tabungan Bisnis dengan Sistem Syariah.

4. 3 Agustus 2011 di ajang “ Investor Award 2011” Perseroan mendapatkan

penghargaan sebagai Best Syariah Bank

2011 peringkat ke-5.

5. 14 September 2011 di ajang “ Annual Report Award 2010” Perseroan berhasil menduduki peringkat ke-10 untuk kategori

Private Keuangan Non Listed.

6. 29 September 2011 di ajang “ Property & Bank Award 2011” Perseroan menerima penghargaan sebagai bank syariah predikat baik kategori The Most Favourite Service

Quality & Product for Shariah Banking. 7. 10 November 2011 di ajang “ The 8th

Islamic Finance Award Nite 2011” yang digelar Karim Business Konsulting, Perseroan mendapatkan penghargaan untuk kategori-kategori berikut:

• 3rd _{Rank – The Best Quality Service} • 3rd _{Rank – The Best Customer Service} • 3rd _{The Most Efficient – Islamic Full}

Fledge Bank

• 3rd _{Rank The Most Prudent–Islamic Full} Fledge Bank.

3. July 21, 2011 in the “ Business Record 2011” event, the Company received recognition as The First Commercial Islamic Bank that Launches a Business Saving with Sharia System.

4. August 3, 2011 in the “ Investor Award 2011” event, the Company received acknowledgment on the 5th _{rank on Best}

Islamic Bank 2011.

5. September 14, 2011 in the “ Annual Report Award 2010” the Company manage to take the 10th _{rank on the Non Listed Private}

Financial category.

6. September 29, 2011 in the “ Property & Bank Award 2011” the Company achieve recognition as the best sharia bank in The Most Favourite Service Quality & Product for Shariah Banking category.

7. November 10, 2011 in “ The 8th _Islamic

Finance Award Nite 2011” event which is held by Karim Business Consulting, the Company achieve recognition for these next categories:

• 3rd Rank – The Best Quality Service

• 3rd Rank – The Best Customer Service

• 3rd The Most Efficient – Islamic Full Fledge Bank

• 3rd Rank The Most Prudent–Islamic Full Fledge Bank.

BANK SYARIAH BUKOPINANNUAL REPORT 2011

18

pengurus bank

syariah bukopin

the management

of bank syariah bukopin

Berdasarkan

hasil Keputusan

Rapat Umum Pemegang Saham

(RUPS) Perseroan, tanggal 12

Maret 2010, yang dituangkan

dalam Akta Nomor 11 tanggal 25

Maret 2010 dan dibuat oleh

Adrian Djuaini, S.H., notaris, di

Jakarta, susunan Dewan

Komisaris, Direksi, dan Dewan

Pengawas Syariah Perseroan

adalah sebagai berikut:

Based on the decision from General Meeting of Shareholders (AGM) of the Company, dated March,12, 2010, as outlined in Deed No. 11 dated March, 25, 2010 and made by Adrian Djuaini, S.H., notary, in Jakarta, the composition of the Board of Commissioners, the Board of Directors, and Sharia Supervisory Board of the Company are following:

BANK SYARIAH BUKOPIN ANNUAL REPORT 2011

20

Dewan Komisaris

Board of Commissioners

Komisaris Utama

Sudarmin Sjamsoe, S.E.

Terpilih menjadi Komisaris Utama Perseroan sejak 12 Maret 2010. Kariernya di bidang perbankan dimulai sejak 1986. Sudarmin Sjamsoe merupakan alumnus Universitas Indonesia (UI), Depok, Jawa Barat, dengan gelar sarjana ekonomi.

President Commissioner

Sudarmin Sjamsoe, S.E.

Selected as President

Commissioner of the Company since March 12, 2010. His career in banking industry started since 1986. Sudarmin Sjamsoe is an alumni of University of Indonesia, Depok, West Java, where he received his bachelor in Economics.

Komisaris Independen

DR. Hajriyanto Y. Thohari, M.A.

Menjabat sebagai Komisaris Independen Perseroan sejak September 2008. Sebelumnya ia menjabat sebagai Komisaris PT Bank Persyarikatan Indonesia (BPI) sejak 2001. Di bidang akademik, pria ini adalah peraih gelar doktor ilmu antropologi dari Universitas Indonesia (UI), Depok.

Independent Commissioner

DR. Hajriyanto Y. Thohari, M.A.

He assumed the post of Indepen-dent Commissioner of the Company since September 2008. Prior to that, since 2001, Hajriyanto was the Commissioner of PT Bank Persyarikatan Indonesia (BPI). In academic area, he has completed his doctoral degree from the Department of Anthro pology from the University of Indonesia, Depok, West Java.

THE MANAGEMENT OF BANK SYARIAH BUKOPIN

Pengurus Bank Syariah Bukopin

Komisaris Independen

Prof. DR. Bambang Setiaji, M.Si.

Menjabat sebagai Komisaris Independen Perseroan sejak Maret 2008. Sebelum nya, sejak 2006, ia merupakan Komisaris PT Bank Persyarikatan Indonesia (BPI). Gelar akademik nya adalah doktor ilmu ekonomi yang didapat dari Universitas Gadjah Mada (UGM), Yogyakarta.

Independent Commissioner

Prof. DR. Bambang Setiaji, M.Si.

He has been in charge as an Inde-pendent Commissioner at the Company since March 2008. Previously, since 2006, Bambang Setiaji assumed the post as a Commissioner at the PT Bank Persyarikatan Indonesia (BPI). In academic area, he has completed study and received his doctoral degree in Economics from Gadjah Mada University in Yogyakarta.

Direktur Utama

Riyanto

Menjabat sebagai Direktur Utama Perseroan sejak September 2008. Kariernya di industri perbankan dimulai sejak 1988, yaitu di PT Bank Bukopin, Tbk. Ia merupakan sarjana akuntansi lulusan Fakultas Ekonomi Universitas

Padjadjaran (Unpad), Bandung.

President Director

Riyanto

He has assumed the post as President Director for the Company since September 2008. His career as a banker began when he got a job with PT Bank Bukopin, Tbk. in 1988. Riyanto is an alumni from the faculty of Economics from the Padjadjaran University in Bandung, West Java, where he received his bachelor in Accountancy.

Direktur Bisnis

Harry Harmono Busiri

Terpilih sebagai Direktur Bisnis Perseroan pada 12 Maret 2010. Sebelumnya ia menjabat sebagai Komisaris Utama Perseroan sejak Desember 2008. Kariernya di bidang perbankan dimulai sejak 1986, yaitu di PT Bank Bukopin, Tbk. Harry merupakan alumnus Universitas Padjadjaran (Unpad), Bandung, dengan titel sarjana peternakan.

Business Director

Harry Harmono Busiri

Selected as Business Director of the Company since March 12, 2010. Previously, he assumed the post as President

Commissioner of the Company since December 2008. His career in banking industry started since 1986 when his first worked in PT Bank Bukopin, Tbk. Harry Harmono Busiri is an alumni and a graduate of Animal Husbandary, Padjadjaran

BANK SYARIAH BUKOPIN ANNUAL REPORT 2011

22

Direktur Operasi dan Pelayanan

Ruddy Susatyo

Terpilih sebagai Direktur Operasi dan Pelayanan Perseroan pada 12 Maret 2010. Karier lulusan Universitas Indonesia (UI) dengan gelar sarjana ekonomi di bidang perbankan ini dimulai sejak 1987, yaitu di PT Bank Bukopin, Tbk.

Operation and Service Director

Ruddy Susatyo

Appointed as Operation and Service Director of the Company since March 12, 2010. He is an alumni and a graduate of Economy from University of Indonesia. His career in banking started when he joined PT Bank Bukopin, Tbk. in 1987.

Direktur Kepatuhan dan Manajemen Risiko

Eriandi

Menjabat sebagai Direktur Kepatuhan dan Manajemen Risiko Perseroan pada 12 Maret 2010. Sebelumnya ia menjabat sebagai Direktur Bisnis Perseroan sejak 2008. Kariernya di bidang perbankan dimulai sejak 1991, yaitu di PT Bank Bukopin, Tbk. Eriandi adalah lulusan Institut Teknologi Bandung (ITB), Bandung, dengan titel sarjana teknik industri.

Compliance and Risk Management Director

Eriandi

He has been in charge as Compliance and Risk Management Director since March 12, 2010. Previously, he assumed the post as Business Director of the Company since March 2008. His career in the banking industry started in 1991 when he first worked for Bank Bukopin. In academic area, Eriandi received his bachelor degree from Industrial Engineering from Bandung Institute of Technology, Bandung, West Java.

THE MANAGEMENT OF BANK SYARIAH BUKOPIN

Ketua Dewan Pengawas Syariah

Prof. DR. H.M. Din Syamsudin, M.A.

Terpilih dan menjabat sebagai Ketua Dewan Pengawas Syariah Perseroan sejak Desember 2008. Di bidang akademik, Din Syamsudin merupakan peraih gelar doktor program interindepartemen dari University of California, Los Angeles, Amerika Serikat. Di samping jabatan tersebut, saat ini ia menjabat sebagai Ketua Umum Pimpinan Pusat (PP)

Muhammadiyah dan sebagai Wakil Ketua Umum Majelis Ulama Indonesia (MUI).

Sharia Supervisory Board Chairman

Prof. DR. H.M. Din Syamsudin, M.A.

He was chosen as The Chairman of Sharia Supervisory Board of the Company since December 2008. He' s got his doctorate degree from Interindepartment Program from

University of California, Los Angeles, USA. Aside from that position, right now he served as General Chairman of the Central Executive (PP) of Muhammadiyah and as Vice Chairman of the Indonesian Ulama Council (MUI).

Anggota

H. Ikhwan Abidin Basri, M.A.

Terpilih dan menjabat sebagai Anggota Dewan Pengawas Syariah Perseroan sejak Desember 2008. Di bidang akademik, Ikhwan Abidin merupakan peraih gelar master pada International Institute of Islamic Economics, International Islamic Unversity Islamabad, Pakistan. Saat ini Ikhwan Abidin aktif sebagai Anggota Kelompok Kerja (Pokja) Perbankan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN–MUI).

Member

H. Ikhwan Abidin Basri, M.A.

He was elected as the member of Sharia Supervisory Board at the Company since December 2008. In academic field, Ikhwan Abidin is a master graduate on International Institute of Islamic Economics, International Islamic University (IIU), Islamabad, Pakistan. Currently Ikhwan Abidin is an active Member of the Banking Working Group of the National Islamic Council of Ulama Indonesia (DSN-MUI).

BANK SYARIAH BUKOPINANNUAL REPORT 2011

24

message from the

president commissioner

sambutan komisaris utama

Sustainability.

” The Company sustainability has grow and run in accordance with the existing rules, and continue to become a healthy Islamic bank. This achievement in 2011 can not be separated from the commitment and management that has been done by Board of Directors".

Assalamu’alaikum warahmatullahi wabarakatuh

Salam sejahtera bagi kita semua

Puji

dan syukur kita panjatkan kepada Allah SWT, pemilik dan pemelihara alam semesta, karena atas segala rahmat dan karunia-Nya jualah hingga saat ini nikmat yang kita rasakan tidak pernah berhenti.

Di tengah lingkungan global yang masih diwarnai stagnasi dan ketidakpastian, perekonomian Indonesia berkembang cukup baik dan menunjukkan ketahanannya terhadap kejutan eksternal, di mana pertumbuhan mencapai 6,5% dengan inflasi 3,79% .

Selain itu, dengan naiknya peringkat utang Indonesia menjadi investment grade, akan meningkatkan kepercayaan investor untuk berinvestasi di Indonesia. Sejalan dengan kondisi ekonomi domestik, perkembangan industri perbankan syariah di Indonesia

berkembang pesat atau tumbuh sebesar 47,5% , sehingga pangsa pasarnya meningkat menjadi 3,7% dari total aset perbankan nasional. Hal ini menunjukkan bahwa pelayanan perbankan syariah makin luas tersebar di seluruh Indonesia. Walaupun Perseroan baru beroperasi belum genap 3 (tiga) tahun, pertumbuhan bisnis Perseroan pada 2011 dapat dikatakan cukup baik. Total aset Perseroan pada 2011 meningkat sebesar 24,4% atau menjadi sebesar Rp 2,73 triliun. Sedangkan, pembiayaan yang berhasil diberikan adalah sebesar Rp 1,92 triliun, tumbuh sebesar 18,95% . Sementara itu, dana pihak ketiga (DPK) yang berhasil dihimpun mencapai Rp 2,29 triliun, atau tumbuh sebesar 41,30% jika dibandingkan dengan 2010 yang sebesar Rp1,62 triliun.

Dewan Komisaris juga melaporkan bahwa sepanjang 2011 telah berusaha

mengimplementasikan good corporate

governance (GCG) sesuai ketentuan dengan

Assalamu’alaikum warahmatullahi wabarakatuh

Best wishes for us all

Praise

and gratitude we pray toward Allah SWT, the owner and caretaker of the universe, because for all His blessings and grace to this step that we feel everlasting pleasure.

Amid the global environment which still marked with stagnation and uncertainty, Indonesia' s economy developed quite well and showed the resistance to external shocks, in which the growth has achieved 6.5% with 3.79% inflation.

In addition, the increase of Indonesia’s debt rating has become investment grade, will increase investor confidence to invest in Indonesia. In line with domestic economic conditions, the development of Islamic banking industry in Indonesia, growing rapidly or grew by 47.5%, so the market share has rose to 3.7% from total national banking assets. This has shown that the Islamic banking services has more widely spread throughout Indonesia.

Even though the Company has not yet operating for 3 (three) years, the Company’s business growth in 2011 was quite good. Total assets of the Company in 2011 increased by 24.4% or become Rp2.73 trillion. Meanwhile, the successful financing given was Rp1.92 trillion, grew by 18.95%. Meanwhile, third-party funds (DPK), which was collected, has reached Rp 2.29 trillion, or grew by 41.30% compared to 2010 which amounted to Rp1.62 trillion.

The Board Of Commisioners has also reported that throughout 2011The Board Of

Commisioners has been trying to implement good corporate governance (GCG) in

BANK SYARIAH BUKOPIN ANNUAL REPORT 2011

26

MESSAGE FROM THE PRESIDENT COMMISSIONER

Sambutan Komisaris Utama

dukungan tiga komite. Hal tersebut bertujuan untuk mengoptimalkan, memperbaiki, melengkapi, dan mengkoreksi berbagai

kekurangan guna memenuhi prinsip-prinsip tata kelola perusahaan yang baik dapat

terimplementasi, baik oleh Dewan Direksi ataupun karyawan.

Pada 2012, diperkirakan pertumbuhan yang tinggi pada perbankan syariah di Indonesia masih akan berlanjut, walaupun perekonomian global, khususnya Amerika Serikat (AS) dan Eropa masih dibayangi oleh krisis dan perlambatan pertumbuhan ekonomi. Di lain pihak, persaingan industri perbankan syariah akan makin kompetitif, sehingga memerlukan strategi yang tepat dan tata kelola bisnis yang lebih baik untuk mencapai target yang telah disepakati.

accordance with the support of three

committees. It aims to optimize, repair, equip, and correcting various deficiencies in order to comply with the principles of good corporate governance that can be implemented, either by the Board of Directors or employees.

In 2012, an estimated high growth in Islamic banking in Indonesia still continue, despite global economy, particularly in the United States (U.S.) and Europe are still overshadowed by the crisis and slow economic growth. On the other hand, competition in Islamic banking industry will be more competitive, so it takes the right business strategy and governance to achieved the agreed target.

Akhir kata, Dewan Komisaris mengucapkan terima kasih kepada manajemen Perseroan, pejabat eksekutif, dan karyawan atas dedikasi dan kerja samanya selama setahun ini sehingga Perseroan bisa tumbuh seperti sekarang. Kami juga mengharapkan prestasi ini bisa ditingkatkan pada 2012 untuk mencapai target yang telah disepakati bersama. Dan, tentunya juga kami berterima kasih kepada seluruh nasabah, pemegang saham, dan stakeholder lainnya atas dukungan dan kepercayaan yang diberikan kepada Perseroan.

Semoga, apa yang kita kerjakan mendapatkan

ridho dari Allah SWT dan membawa kebaikan bagi kita semua. Amin

Wa billahit-taufiq wal hidayah

Wassalamualaikum warahmatullahi wabara-katuh

Finally, the Board of Commissioners would like to thank the management of the Company, executive officers, and employees for their dedication and cooperation during this year so the Company can grow as it is now. We also expect this achievement can be improved in 2012 to achieve the agreed target. And, of course we also thank all our customers, shareholders and other stakeholders for their support and trust given to the Company.

Hopefully, what we do obtain the blessing from Allah SWT and good for us all. Amin

Wa billahit-taufiq wal hidayah Wassalamualaikum warahmatullahi wabarakatuh

Jakarta, 31 Desember 2011 Jakarta, December 31, 2011

Sudarmin Sjamsoe, S.E.

Komisaris Utama

President Commissioner

BANK SYARIAH BUKOPINANNUAL REPORT 2011

28

message from

the president director

sambutan direktur utama

Optimal.

“ In the future the Company will explore much more opportunities and those market through implementing business strategy optimization, so the Company growth will be more accelerative and higher quality".

Assalamu’alaikum wa rahmatullahi wa barakatuh,

Puji

syukur kami panjatkan kepada Allah SWT atas kinerja Perseroan yang baik sepanjang 2011. Di tengah guncangan krisis utang Eropa dan Amerika Serikat (AS), ekonomi nasional sejauh ini tetap tumbuh positif. Di saat bersamaan, Perseroan juga berhasil mencapai kinerja baik, seperti harapan pemegang saham dan seluruh stakeholders.

Makro-Ekonomi

Jika dicermati, sepanjang 2011 ada semacam dikotomi antara kondisi makro-ekonomi global dan nasional, khususnya antara kondisi makro-ekonomi di negara-negara maju, Eropa, dan AS yang mengalami turbulensi ekonomi dengan negara-negara emerging market, yang justru tetap mampu menjaga pertumbuhan ekonominya dengan baik.

Demikian juga dengan perekonomian Indonesia yang tetap tumbuh. Ekonomi Indonesia pada 2011 relatif lebih baik daripada 2010. Ekonomi nasional pada 2011 tumbuh 6,5% , lebih tinggi dibandingkan dengan pertumbuhan tahun sebelumnya yang 6,1% .

Kondisi yang baik tersebut pada akhirnya berdampak positif pada industri perbankan nasional. Sampai dengan akhir Desember 2011, kredit dan penghimpunan DPK secara year on

year (yoy) masing-masing mengalami pertumbuhan sebesar 24,59% dan 19,07% dibandingkan dengan periode yang sama 2010.

Perbankan Syariah Nasional

Seiring dengan membaiknya kondisi ekonomi nasional, kinerja perbankan syariah juga terus membaik. Beberapa indikator kinerja perbankan syariah per Desember 2011 menunjukkan hal tersebut. Di antaranya, capital adequacy ratio (CAR) perbankan syariah mencapai 15,37% , non

Assalamu’alaikum wa rahmatullahi wa barakatuh,

Praise

to Allah SWT the almighty for the good performance of the Company throughout 2011. In the midst of crisis shocks from Europe and the United States (U.S.) debt, national economy so far manages to grow positively. At the same time, the Company has also managed to achieve good performance, as hoped by shareholder and stakeholders.

Macro-Economy

If observed, there’s a sort of dichotomy between the state of global and national macro-economy throughout 2011, especially between the macro-economy condition in developed countries like in Europe and the US which are going through economical turbulence, with emerging market countries, which manage to keep their economy grow positively.

However, Indonesia’s economy keeps growing. Indonesia’s economy in 2011 is relatively better than in 2010. The national economy in 2011 grows as much as 6.5%, a bit higher compared to Indonesia’s economy growth in 2010 that’s only 6.1%.

That good record eventually impacted positively to national banking industry. Until the end of December 2011, credit and accumulation of third party funds by year on year individually grows as much as 24.59% and 19.07% compared to the same period in 2010.

National Islamic Banking

Along with the improvement of the national economy condition, Islamic banking

performance also manages to improve. This fact was indicated by Islamic banking performance indicator by December 2011, such as Islamic banking’s Capital Adequacy Ratio (CAR) reaches

32. Pendapatan (beban) non operasional

31 Desember 2011 31 Desember 2010

December 31, 2011 December 31, 2010

Terdiri dari :

Pendapatan non operasional

Pendapatan sewa 3.900.000 36.159.448

Keuntungan penjualan aset tetap dan agunan

yang diambil alih 1.539.511.704 838.369.818

Lainnya 399.272.262 1.614.811.097

Jumlah pendapatan non operasional 1.942.683.966 2.489.340.363 Beban non operasional

Sumbangan (819.655.208) (855.525.811)

Kerugian penjualan aset tetap dan agunan yang

diambil alih (27.649.300) (98.809.856)

Denda / penalti (23.200.000) (63.076.465)

Lainnya (1.117.618.608) (906.309.178)

Jumlah beban non operasional (1.988.123.116) (1.923.721.309) Jumlah pendapatan (beban) non operasional-bersih (45.439.150) 565.619.054

33. Liabilitas penyediaan modal minimum

a. Berdasarkan Surat Keputusan Direksi Bank Indonesia No. 26/20/KEP/DIR tanggal 29 Mei 1993 yang telah dirubah dengan Surat Keputusan Direksi Bank Indonesia No. 31/146/KEP/DIR tanggal 12 November 1998 tentang Liabilitas Penyediaan Modal Minimum Bank, yaitu bahwa bank umum wajib menyediakan modal minimum sebesar 4% dari aktiva Tertimbang Menurut Resiko, pada akhir tahun 1998 dan secara bertahap menjadi minimal 8% pada akhir tahun 2001, sesuai dengan peraturan Bank Indonesia No. 3/21/PBI/2001 tanggal 13 Desember 2001.

b. Mengacu pada ketentuan di atas, rasio kecukupan modal Bank untuk posisi 31 Desember 2011 dan 31 Desember 2010 adalah sebagai berikut (dalam jutaan rupiah ) :

32. Non operating income (expenses)

Consists of: Non operating income

Rent income Proi t from sales of acquired premises and liabilities Others Total non operating income

Non operating expenses Charity Losses from sales of acquired premises and liabilities Fine/penalty Others Total non operating expenses Total non operating income (expenses) - net

33. Liability on providing minimum capital

a. Based on Director of Bank Indonesia letter of decision No. 26/20/KEP/DIR dated May 29, 1993 revised with Director of Bank Indonesia letter of decision No. 31/146/KEP/DIR dated November 12, 1998 on Liabilities in adequate provisions of capital of the Bank, commercial banks are obliged to provide minimum capital of 4% from according to risk liabilities in the end of year 1998 and gradually changed into a minimum of 8% in the end of year 2001 in accordance with Bank Indonesia regulation No. 3/21/ PBI/2001 dated December 13, 2001.

b. Refer to the above regulation, the Bank’s capital adequacy ratio as of December 31, 2011, and December 31, 2010 is as follow:

31 Desember 2011 31 Desember 2010

December 31, 2011 December 31, 2010

Modal Inti (Tier I)

Modal disetor 450.370 350.370

Cadangan umum dan khusus 1.213 1.213

(Rugi) tahun-tahun sebelumnya (232.157) (243.319)

Laba tahun berjalan 12.209 10.234

Jumlah 231.635 118.498

Modal Pelengkap (Tier II)

Penyisihan atas kemungkinan kerugian

pada aktiva produktif 20.224 16.913

Hutang subordinasi 50.000 50.000

Jumlah 70.224 66.913

Jumlah Modal (Tier I dan Tier II) 301.859 185.411

Jumlah ATMR 1.973.954 1.611.475

Rasio Liabilitas Penyediaan Modal Minimum

yang Tersedia 15,29% 11,51%

Rasio Liabilitas Penyediaan Modal Minimum

yang Diwajibkan 8,00% 8,00%

34. Manajemen risiko

Dalam menjalankan kegiatannya, Bank senantiasa berhadapan dengan risiko yang merupakan risiko bawaan dalam setiap kegiatannya antara lain dalam bentuk risiko kredit, risiko likuiditas, risiko pasar dan risiko operasional sehingga diperlukan pengelolaan Bank yang baik (Good Corporate Governance) dan pengelolaan risiko yang terintegrasi dan berkesinambungan. Sistem pengendalian risiko di PT. Bank Syariah Bukopin mulai disesuaikan dengan mengacu pada ketentuan Bank Indonesia dan ketentuan intern PT. Bank Syariah Bukopin, antara lain menyusun Pedoman/Sistem Operasional Prosedur Manajemen risiko dan melakukan secara berkesinambungan sosialisasi kepada seluruh jajaran PT. Bank Syariah Bukopin agar manajemen risiko dapat terimplementasi sebagaimana diharapkan, dan melakukan revisi berbagai buku Pedoman/Sistem Operasional Prosedur melalui kerjasama dengan pihak konsultan.

Risiko kredit

Dengan diterbitkannya peraturan Bank Indonesia mengenai Penerapan manajemen Risiko Bank Umum maka program kerja bank dalam manajemen risiko diarahkan dan dikembangkan sesuai dengan pedoman Bank Indonesia tersebut.

33. Liabilitas penyediaan modal minimum - lanjutan

Main capital (Tier I) Paid capital General and specii c reserve (Losses) of prior years Income (Losses) during the year

Total Complimentary Capital (Tier II) Provision of possible losses on earning assets

Subordinated loan Total Total capital (Tier I and Tier II) Total ATMR Capital adequacy ratio Required capital adequacy ratio

34. Risk Management

In conducting its activites, the Bank always come face to face with risks that are in nature in every activities in form of credit risks, liquidity risks, and operational risks, therefore a good corporate governance, continuous and integrated risk management is essential.

Risk management system in PT Bank Syariah Bukopin is in accordance with Bank Indonesia regulations and internal regulations of PT Bank Syariah Bukopin, which is composing a guidelines/Risk Management Procedure Operational System and continuously socializing to every level of PT Bank Syariah Bukopin to ensure a well implementation of risk management and revising various manual book/operational procedure system through cooperation with consultant.

Credit Risk

With the publication of Bank Indonesia regulation on implementation of commercial banks risk management, the Bank programs in risk management are directed and developed in accordance with the regulations. 33. Liability on providing minimum capital - continue

Sebagai lembaga intermediary, PT. Bank Syariah Bukopin ikut menyalurkan fasilitaspembiayaan dan tidak dapat dipungkiri akan berhadapan dengan risiko sebagai akibat kegagalan counterparty dalam memenuhi kewajibannya. Untuk mengeliminir risiko maka Bank dalam menyalurkan pembiayaan tetap selektif dan mengacu pada prinsip pemberian kredit yang sehat dan prinsip kehati-hatian secara konsisten, memantau dan mengevaluasi perkembangan kolektibilitas pembiayaan, penyelamatan kredit berkala sesuai ketentuan. Membentuk Penyisihan Penghapusan Aset Produktif (PPAP) untuk mengcover aktiva produktif bermasalah. Sebagai tindakan preventif dilakukan peningkatan kualitas sumber daya menusia melalui pelatihan dan pendidikan pengelola kredit baik secara intern maupun ekstern.

Risiko likuiditas

Bank sangat mementingkan penjagaan kecukupan likuiditas dalam memenuhi komitmennya kepada para nasabah dan pihak lainnya, baik dalam rangka pemberian kredit, pembayaran kembali simpanan nasabah, maupun untuk memenuhi kebutuhan likuiditas operasional.

Bank menjaga likuiditas dengan mempertahankan jumlah aktiva likuid yang cukup untuk membayar simpanan para nasabah, dan menjaga agar jumlah aset yang jatuh tempo pada setiap periode dapat menutupi jumlah kewajiban yang jatuh tempo.

Aset likuid bank terutama terdiri dari penempatan pada bank-bank lain dan lembaga keuangan lainnya, SBI, giro pada Bank Indonesia dan kas. Apabila Bank memerlukan likuiditas, dengan segera Bank dapat menarik cadangan dana dalam giro pada Bank Indonesia, menjual SBI dengan perjanjian pembelian atau mencari pinjaman di pasar uang antar bank di Indonesia. Cadangan utama Bank terdiri dari cadangan Giro Wajib Minimum dan kas di kantor-kantor cabang.

Saat ini peraturan Bank Indonesia mewajibkan bank-bank di Indonesia untuk menjaga (Giro Wajib Minimum) secara harian, dalam bentuk simpanan tanpa bunga pada Bank Indonesia sekurang-kurangnya sebesar 5% dari kewajiban pihak ketiga bukan bank dalam Rupiah.

34. Manajemen risiko - lanjutan

As intermediaries’ institution, PT Bank Syariah Bukopin facilitates credit distribution and will surely face the risks due to failure of counterparty in settling its Liabilities. To eliminate the risks, the Bank facilitates credit selectively and referring to principles of a healthy credit i nancing and cautiousness, consistently monitoring and evaluating progress in credit collectability, credit redemption periodically according to the regulations. Establishing provision of earning assets liabilities write-of (PPAP) to cover troubled earning assets.

Enhancement of human resources quality through trainings and education in credit management internally and externally are taken as preventive action.

Liquidity Risk

The Bank is concerned over the importance of reservation of liquidity adequacy in fuli lling its commitment to the customers and other parties, in credit i nancing, return of customers’ deposits and to cater the need of operational liquidity.

The Bank reserve its liquidity by reservation of total adequate assets to deliver the customers deposits and to maintain that the number of assets due in every period cover the due numbers of liability.

The Bank liquid assets consists of placement with other banks and other i nancial institution, SBI, current accounts with Bank Indonesia and cash. In the event Bank needs liquidity, the Bank may withdraw fund reservation in current accounts with Bank Indonesia, sales of SBI with a sales agreement or inter banks borrowings. The Bank’s main reservation consist of minimum obliged current account and cash in branch oi ces.

Currently Bank Indonesia regulations obligate banks in Indonesia to reserve daily minimum obligated current accounts, in form of no interest deposits in Central Bank of Indonesia at least 5% of non banking third parties liabilitys in rupiah.

Pengendalian likuiditas senantiasa dilakukan dengan cara melakukan keseimbangan antara sumber-sumber dana dan pemanfaatannya, sehingga benar-benar masih dalam limit risiko yang dapat diterima dan memberikan kontribusi berupa proi t yang wajar, yang pengelolaanya oleh Divisi Treasury dan Tim Alco (Asset Liability Comitee).

Risiko pasar

Risiko pasar merupakan risiko yang timbul dari pergerakan tingkat suku bunga maupun nilai tukar yang ada di pasar dari portofolio yang dimiliki oleh Bank, sehingga pengendalian risiko pasar hanya melalui mekanisme penempatan dana pada bank lain dengan mempertimbangkan tingkat suku bunga dan kesehatan bank yang menawarkan.

Risiko operasional

Pengelolaan resiko operasional dilakukan dengan terus melakukan penyempurnaan atau penyesuaian sistem dan prosedur, pengem-bangan teknologi informasi secara kesinambungan dengan harap-an dapat memenuhi kebutuhharap-an atau harapharap-an nasabah. Untuk me-menuhi kebutuhan ini harus didukung oleh sumber daya manusia yang berkualitas dan mempunyai integritas yang tinggi melalui program penetapan limit/otorisasi, pendidikan dan pelatihan yang dilakukan baik inhouse training maupun eksternal dan berkesinam-bungan serta menetapkan prinsip pengenalan nasabah dengan harapan risiko operasional dapat terkelola dengan baik. 34. Manajemen risiko - lanjutan

35. Laporan komitmen dan kontinjensi

31 Desember 2011 31 Desember 2010

Komitmen December 31, 2011 December 31, 2010

Liabilitas komitmen Fasilitas kredit kepada nasabah

yang belum digunakan 5.718.500.000 10.964.000.000 Jumlah komitmen - bersih 5.718.500.000 10.964.000.000 Kontinjensi

Tagihan kontinjensi

Pendapatan bunga dalam penyelesaian 8.984.148.606 16.280.794.537 Liabilitas kontinjensi

Garansi bank 2.298.613.745 8.097.811.041

Aset produktif yang dihapusbukukan 7.896.112.687 73.598.817.445 Jumlah Liabilitas kontinjensi 10.194.726.432 81.696.628.486 Tagihan (Liabilitas) kontinjensi - bersih 4.507.922.174 (54.451.833.948)

Liquidity management always conducted in a balance manner between fund resources and its use to keep within the acceptable risk limit and contributed in proi ts managed by the treasury division and assets liability committee.

Market Risk

Market risk represents risk that arises from movement of interest level and exchange rate in the market of the Bank’s portfolio. Therefore market risk management is conducted only through mechanism of fund placements with other banks by considering the interest level and the health of the proposing bank.

Operating Risk

Operational risk management is conducted continuously through perfection of or adjustment of system and procedure, development of information technology to meet the needs and expectation from the customers. The needs is supported with qualii ed and high integrity human resources through determination of authority program, education and trainings held in house or external and continuously implement your customers principles to a well managed operational risk.

35. Commitments and Contingencies Statements Commitments Commitment Liability Undisbursed credit facilities Total commitment - net Contigencies Receivables contigencies Interest income in settlement Contigencies Liability Bank guarantee Earning assets written-of Total contigencies Liability Receivables (Liability) contigencies - net 34. Risk Management - continue

36. Kelangsungan usaha

Dengan ditetapkan arah kebijakan pengembangan perbankan syariah oleh Bank Indonesia serta adanya dukungan dari pemerintah dengan dikeluarkannya peraturan perpajakan yang lebih kondusif sepanjang tahun 2011, industri perbankan syariah nasional tumbuh dengan volume usaha yang cukup tinggi yaitu sebesar 48,50% dengan pertumbuhan dana yang dihimpun sebesar 39,90% dan pembiayaan 34,90%. Pertumbuhan tersebut juga dicapai oleh Bank dengan angka pertumbuhan aset sebesar 24,43%, pembiayaan 18,95% dan dana pihak ketiga 41,30% hingga per akhir bulan Desember 2011.

Sejalan dengan pencapaian kinerja 2011, Bank membuat rencana bisnis tahun 2012-2014 yang disusun dengan mempertimbangkan perkembangan usaha dan kondisi internal Bank serta faktor-faktor eksernal seperti pertumbuhan perekonomian nasional tahun 2012 yang diproyeksikan sebesar 6,7%, tingkat inl asi 5,3%, serta indikator-indikator ekonomi lainnya yang dapat mendukung perkembangan usaha perbankan syariah.

Target jangka pendek

- Dengan mempertimbangkan kinerja bank pada tahun 2011, pada tahun 2012 Bank menargetkan pertumbuhan aset sebesar 24% atau tumbuh sebesar Rp. 628.550.000.000, pembiayaan 30% atau tumbuh sebesar Rp. 603.530.000.000, dana pihak ketiga 30% atau tumbuh sebesar Rp.

621.360.000.000 dan laba sebesar Rp. 26.230.000.000. - Pengembangan usaha dalam jangka pendek diarahkan untuk

pertumbuhan pembiayaan dan usaha terutama segmen UMKM, meningkatkan penghimpunan sumber dana masyarakat, memperkuat permodalan, meningkatkan kualitas aktiva produktif serta perkuatan Sumber Daya Insani (SDI), outlet, pelayanan, TI, dan meningkatkan kualitas pengendalian resiko dan kepatuhan.

Target jangka menengah

Pengembangan usaha dalam jangka menengah diarahkan pada pengembangan usaha konsumer, mikro dan peningkatan fee based.

Untuk mencapai visi dan misi sesuai dengan arah kebijakan, Bank menetapkan langkah-langkah strategis sebagai berikut : - Pengembangan Usaha dengan Fokus Pada Sektor UMKM

36. Business performance

With the developments of policy direction of sharia banking that has been set by Central Bank of Indonesia and with the support from the government by the issuance of more favorable tax legislation during the year 2011, Islamic Banking Industry grew by a relatively high business volume that is equal to 48.50% with growth in funds raised amounted to 39.90% and 34.90% of i nancing. Growth was also achieved by the Bank with an asset growth rate of 24.43%, 18.95% of i nancing, and third parties funds up to 41.30% as of end December 2011.

In line with achieving 2011 performance, the Bank made a business plan for the year 2012-2014 prepared by considering the development of business and internal conditions of the Bank and external factors such as national economic growth in 2011 is projected at 6.7%, 5.3% of inl ation rate, as well as other economic indicators that can support the development of sharia banking business.

Short Term Objective

- Considering the Bank’s performance in 2011, in 2012 the Bank targeted asset growth of 24% or Rp628,550,000,000, 30% of i nancing or Rp603,530,000,000, third parties fund of 30% or Rp 621,360,000,000 and a proi t of

Rp26,230,000,000.

- Business development in the short term aimed at i nancing and business segments growth, especially MSMEs, to increase the accumulation of public funds sources, to strengthen the capital, to improve assets quality and strengthening of human resources, outlets, services, information technology, and to improve quality control and risk compliance.

Mid Term Objective

Business development in the medium term is aimed at consumer business development, micro, and increase of fee based.

To achieve the vision and mission in accordance with the policy direction, the Bank establish strategic steps as follows: - Business development focusing on MSMEs sector

36. Kelangsungan usaha - lanjutan - Mengembangkan Usaha Komersial - Mengembangkan Usaha Konsumer

- Penyediaan Jasa-jasa Fee-Based Kepada Nasabah - Memperkuat Teknologi Informasi dan Pelayanan - Menambah Jaringan Outlet

- Memperkuat Sumber Daya Insani (SDI)

- Meningkatkan Kualitas Pengelolaan Risiko dan Kepatuhan - Menyelesaikan Pembiayaan Bermasalah

37. Opini Dewan Pengawas Syariah

Berdasarkan surat No.018/DIR/BSB-JKT/II/2012 tanggal 16 februari 2012 mengenai penyampaian Laporan Hasil Pengawasan Dewan Pengawas Syariah semester II Tahun 2011 Bank Syariah Bukopin, No. 01/DPS/BSB-JKT/II/2011 tanggal 3 Februari 2012. Dalam opini tersebut Dewan Pengawas Syariah mengeluarken opini - opini terkait produk dan aktivitas bank. Dalam rangka memenuhi ketentuan Bank Indonesia tentang pelaksanaan Good Corporate Govermance (GCG), Dewan Pengawas Syariah juga melakukan uji petik atas transaksi bank dengan Hasil pemeriksaan.

- Development of Commercial Enterprises - Development of Consumer Business - Provision of Fee-Based Services to the Customer - Strengthening of Information Technology and Services - Adding Network Outlets

- Strengthening of Human Resources Competency - Improving the Quality of Risk Management and Compliance

- Resolving Financing settlements

37. Sharia Supervisory Board Opinion

Based on letter No. 018/DIR/BSB-JKT/II/2012 dated February 16, 2012 on delivering the Sharia Supervisory Board Monitoring Result Report on the second semester of the year 2011 of Bank Syariah Bukopin, No. 01/DPS/BSB-JKT/II/2011 dated February 3, 2012. In the opinion the Sharia Supervisory Board gives opinions on the Banks’ products and activities. In order to fuli ll the Bank of Indonesia regulations on implementation of Good Corporate Governance, the Sharia Supervisory Board also did a quote test on the bank’s transaction with the monitoring result.