Laporan Tahunan Annual Report 2012
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
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• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Tahun 2012, merupakan sebuah milestone penting bagi Bank Aceh yang satu tahun lagi akan genap berusia 40 tahun. Sebuah jejak langkah perjalanan yang tidak bisa dibilang singkat, tumbuh dan berkembangnya Bank Aceh dalam memberikan layanan kepada nasabah, mitra kerja, pemegang saham, serta melayani masyarakat Aceh dan kota Medan.
Pada tahun 2012 tersebut sesuai dengan tahapan perencanaan strategis lima tahunan (Corporate Plan), Bank Aceh mencanangkan tekad melakukan transformasi strategis membenahi dan membangun fondasi pertumbuhan bisnis bank yang meliputi transformasi budaya, transformasi bisnis dan transformasi penampilan dalam bingkai pengelolaan bank yang sehat berbasis resiko dan implementasi prinsip tata kelola perusahaan yang baik untuk mencapai kinerja terbaik (Performance Excellences). Sebuah tekad yang menegaskan visi masa depan Bank Aceh menjadi bank yang sehat, tangguh, handal dan terpercaya serta dapat memberikan nilai tambah yang tinggi kepada mitra dan masyarakat serta mewujudkan misi sebagai bank yang mampu membantu dan mendorong pertumbuhan ekonomi dan pembangunan daerah dalam rangka meningkatkan taraf hidup masyarakat melalui pengembangan dunia usaha dan pemberdayaan ekonomi rakyat, serta memberi nilai tambah kepada pemilik dan kesejahteraan kepada karyawan.
Sebuah tekad yang diwujudkan oleh setiap sumber daya manusia Bank Aceh dengan mengutamakan kualitas pelayanan dengan melayani lebih proaktif untuk melangkah maju menuju era baru, melakukan upaya perubahan, sebuah transformasi menuju pertumbuhan jangka panjang yang berkesinambungan, menjadi Bank Regional Champion dan memberikan makna kehadirannya di masyarakat.
Transformasi Strategis, Membangun dan Memperkuat
Fondasi Pertumbuhan Bisnis Bank
Strategic Transformation, Building and Strengthening Foundations of Bank Business Growth
Year of 2012 was an important milestone for Bank Aceh which attained the age of 40 years, one year foreward. Another remarkable track record, Bank Aceh grows and evolves to provide best services for customers, partners, shareholders, as well as serving Aceh’s and Medan society.
In the year of 2012, according to it’s long term strategic planning stages (corporate plan), Bank Aceh proclaimed to conduct the strategic transformation to fix and built business growth foundation in the future, includes transformation of corporate culture, transformation of business and transformation of appearance in the framework of exellences management of bank, the implementation of risk-based principles and good corporate governance to achieve the best performance (excellence performance). It is a strong commitment to emphasize Bank Aceh’s vision to be a Soundness, Strong, Excellence and Trusted Bank, and capable of giving high added value to business partner and society at large, as well as accomplishing principal mission to be Stimulating and accelerating economic growth and regional development in order to increase social welfare through business sectors expansion and community economic empowerment, and giving benefit to shareholders and improving employees’ welfare.
A commitment which is manifested by all part of Bank Aceh’s Human Resources by prioritizing service quality and becoming more proactive in serving our customers to step forward towards new era, performing transformation, another transformation towards long term sustainable growth, to be Bank Regional Champion and providing the means of Bank Aceh significance.
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106
» Penjelasan Tema – explaination of Theme
,
1
» Aset – Asset, 5
» Peningkatan Standar Pelayanan, Kualitas
SDM dan Perluasan Jaringan Kantor – The Improvement of Service Standard, Human
Resources Quality and Network Expansion
, 6
» Pelayanan Prima –Service Excellences
, 6
» Jaringan yang Luas – Extensive ServiceNetwork
, 7
» Meningkatkan Kemampuan Masyarakat Menjadi
Masyarakat Madani yang Kuat dan Mandiri secara Ekonomi – to Increase the society capabilities becoming civil society that is strong
and econimically independent
, 8
» Transparansi Tata Kelola Perusahaan – Transparancy of Corporate Governance
Practices
, 9
Informasi Umum
4
Profil Perusahaan
60
» Produk dan Jasa – Products
and Services
, 61
» Sumber Daya Manusia –
Human Resources
, 63
» Teknologi Informasi –
Information Technology
, 66
Pembahasan dan Laporan
Tata Kelola Perusahaan
Pembahasan, Analisis
dan Laporan Manajemen
» Pengelolaan Resiko, Profil Resiko dan Tingkat
Kesehatan Bank –Risk Management, Risk Profile
and Soundness Level of Bank
, 87
» Profil Kredit Usaha Mikro, Kecil dan Menengah – Profile of Micro, Small, and Medium Enterprise’s Loan
, 100
» Target 2013 – Targets for 2013
, 102
68
General Information
Company Profile
Discussion, Analysis &
Management Report
Discussion and Corporate
Governance Report
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• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Laporan Keuangan Auditor
Independen
188
Tanggung Jawab Sosial
Perusahaan
148
171
» Struktur Organisasi – Organization Structure
, 171
» Profil Pemimpin Divisi – Manager’s Profile, 172
» Jaringan Kantor – Office Network, 176
» Lokasi ATM – ATM Location, 181
» Sasaran Strategis dan Perkembangan Bisnis –
Strategic Targets and Business Progress
, 151
» Tata Kelola Perusahaan Unit Usaha Syariah – Good
Corporate Governance of Syaria Business Unit
, 165
» Opini Dewan Pengawas Syariah – Opinion from Syaria
Supervisory Board
, 167
» Profil Dewan Pengawas Syariah - Profile of Syaria
Supervisory Board
, 169
Corporate Social Responsibility
150
Bank Aceh
Unit Usaha Syariah
Bank Aceh Syaria Business Unit
170
Anak Perusahaan dan
Perusahaan Afiliasi
Subsidiaries and Affiliated Companies
Independent Auditor Financial Statement
Informasi
Perusahaan
Corporate
Information
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Nama Perusahaan Name of Company Nama Panggilan Call Name Kantor Pusat Head Office Telepon Phone Faksimili Faximile Didirikan Founded NPWP NPWPD Pemilik Shareholders Jumlah Aktiva Total Assets Modal disetor Paid up Capital
Jumlah Jaringan Kantor Number of Office Network
Tenaga Kerja Employees Alamat Website Website Address Alamat Email Email Address Info Bank Aceh Call Center
PT. Bank Aceh
Bank Aceh
Jl. Tgk. H. Mohd. Daud Beureu-eh No. 24, Banda Aceh, Provinsi Aceh
0651-22966
0651-33682
6 Agustus 1973
01.128.745.5-101.000 2.0009715.01.007
Pemerintah Provinsi Aceh | Aceh Provincial Governance (64,28%) Pemerintah Kabupaten Se-Aceh | Aceh District Governance (32,33%) Pemerintah Kota Se-Aceh | Aceh Municipal Governance (3,39%) Rp 13.487.270,- Juta (2012) | in million Rupiahs
Rp 858.688,- Juta (2012) | in million Rupiahs
1 Kantor Pusat | Head Office
24 Kantor Pusat Operasional | Main Branch Office 82 Kantor Cabang Pembantu | Sub-Branch Office 1 Kantor Pelayanan Kas (Payment Point)| Payment Point 85 ATM | Automatic Teller Mechine
1.513 orang | persons
www.bankaceh.co.id
sekretariat@bankaceh.co.id
0651-636025
Laporan T
ahunan
Bank Aceh
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Annual Report
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• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
DPK | TPF: Rp 10.672.335 Juta
Jumlah Nasabah | Number of Accounts 916.165 Orang
Pangsa Pasar | Market Share 48,58%
Kredit / Pembiayaan | Loan/ Financing
Rp 9.593.463 Juta
Jumlah Nasabah | Number of Accounts 121.568 Orang
Pangsa Pasar | Market Share 46.21%
Aset Bank Aceh yang mencapai Rp.13,49 triliun, meskipun hanya tumbuh 3,29% tetap merupakan indikasi yang baik dan bukti keberhasilan Bank Aceh dalam mengimplementasikan kebijakan dan strategi bisnis tahun 2012
Bank Aceh’s asset, which has reached 13.49 trillion, despite only 3.29% in growth is still managed good indication and an evidence of the success of the Bank Aceh in implementing business policies and strategies in the year of 2012.
Pertumbuhan Jumlah Aset / Total Asset 3.29% Pertumbuhan Aset Tetap / Fixed Asset 4.44% Pertumbuhan Aset Lainnya / Others Asset 34.34%
JumlahAset
Total Asset
3,29
%
Growth
Aset Tetap
Fixed Asset
4,44
%
Growth
Aset Lainnya
Other Asset
34,29
%
Growth
Aset
Asset
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(8)
Tabungan
Saving Deposit
12,46
%
Growth
Deposito
Time Deposit
27,16
%
Growth
Kredit
Credit
4,29
%
Growth
4,29
Growth
Peningkatan Standar Pelayanan,
Kualitas SDM dan
Perluasan Jaringan Kantor
The Improvement of Service Standard,
Human Resources Quality and Network
Expansion
Di usianya yang hampir mencapai 40 tahun, Bank Aceh terus tumbuh dan berkembang untuk menjadi motor penggerak dan pilar penting ekonomi Aceh. Dengan terus meningkatkan upaya penyempurnaan standar pelayanan, peningkatan kualitas sumber daya manusia kami, ditambah dengan perluasan jaringan kantor dan ATM secara terus menerus membuat kami yakin untuk dapat memberikan pelayanan terbaik kami kepada para nasabah berdasarkan praktek terbaik industri perbankan yang berlakuk secara nasional dan internasional
In the age almost 40 years, Bank Aceh always grow up and develop to be movement and important pillar of Aceh economy. In always increase efford to polish up a services standard, develop the quality of our Human resource, in addition with network expansion and ATM as a wider and always make us believe for giving the best services to our client based on the best practice of banking industry which is conduct both Nationally and Internationally.
Pelayanan Prima
Dalam rangka memperluas dan mengembangkan bisnis usahanya di kelas perbankan Daerah, Bank Aceh hadir semakin dekat dengan nasabah melalui kehadirannya di berbagai kota dan kecamatan di Aceh dan Medan.
In order to expand and grow its business venture in regional banking, Bank Aceh exists closer with its customers in various cities and sub-districts in Aceh and Medan.
Exellence Service
Laporan T
ahunan
Bank Aceh
-
Annual Report
(9)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
r
to
Jaringan Kantor Bank Aceh
1 Kantor Pusat / Head Office 24 Kantor Cabang/ Branch Office 82 Kantor Capem / Sub-Branch Office 1 Kantor Pelayanan Kas/ Payment Point
85 ATM/ ATM Network
Melalui kehadiran jaringan kantor di berbagai wilayah yang disertai dengan pengembangan produk serta layanan, bank Bank Aceh terus memperkuat eksistensinya di sentra-sentra pertumbuhan ekonomi yang telah ada untuk meraih peluang di seluruh wilayah Aceh.
Through the presence of office network in various regions, along with the development of products and services, the Bank Aceh continues to strengthen its presence in the centers of economic growth that has been there to seize opportunities across Aceh.
Jaringan yang Luas
Extensive Service Network
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(10)
Transformasi Bisnis, Penyaluran UMKM
untuk meningkatkan Kemampuan
Masyarakat Menjadi Masyarakat Madani
yang Kuat dan Mandiri secara Ekonomi.
Business transformation, empowering SMEs to
Increase the society capabilities becoming civil
society that is strong and econimically independent.
Sejalan dengan tekad kami untuk melakukan transformasi demi pertumbuhan fundamental bisnis bank yang berkelanjutan dan memberikan nilai tambah kepada masyarakat, kami melakukan berbagai upaya untuk turut meningkatkan kemampuan masyarakat menjadi masyarakat madani yang kuat dan mandiri secara ekonomi. Hal itu kami wujudkan dalam penyaluaran kredit dan pembiayaan untuk berbagai program pengembangan masyarakat dan kemitraan dengan usaha kecil dan menengah.
Sebagai komitmen untuk terus menjadi perusahaan yang baik, Bank Aceh bersama komponen warga Aceh yang lain terus berupaya bersama-sama mencapai kehidupan masyarakat Aceh yang lebih berkualitas.
In line with our determination to transform the bank’s business fundamentals for sustainable growth and provide added value to the community, we do various effort for increasing the ability of society become a strong and independent in economic perspective. This action we implemented in delivering of loans and financing for various developing society program and cooperating with Small Medium Enterprises.
As a comitment for becoming a good corporate, Bank Aceh together with other citizen in Aceh is continue to work together for reaching the wealthy life.
Laporan T
ahunan
Bank Aceh
-
Annual Report
(11)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Transparansi Tata
Kelola Perusahaan dan
Penerapan Manajemen
Resiko yang Baik
Transparency of Corporate
Governance and Implementation of
excellent Risk Management
Melalui komitmen prinsip keterbukaan, akuntabilitas, independensi, serta kewajaran yang dilakukan dengan tanggung jawab penuh oleh manajemen, Bank Aceh siap melangkah maju ke depan untuk mencapai tujuan dan menyelaraskan nilai-nilai dan perilaku perusahaan sesuai dengan harapan pemegang saham dan masyarakat.
Dalam menjalankan usahanya, Bank Aceh senantiasa menjunjung tinggi prinsip-prinsip tata kelola perusahaan (GCG) dan pengelolaan resiko yang baik dan menyadari penuh pentingnya penerapan prinsip-prinsip tersebut dalam setiap langkah usaha Bank demi kepentingan stakeholders, seperti pemegang saham, nasabah dan masyarakat di sekitar keberadaan Bank Aceh. Penerapan GCG dan risk management ini dimulai dari adanya komitmen dari manajemen pada setiap jenjang organisasi dengan cara menetapkan strategic policy dan the code of conduct yang harus dipatuhi oleh semua pihak yang berkepentingan dalam perusahaan.
By the commitment of transparency, accountability, independency, and fairness carried out with responsibility of its management, Bank Aceh set to move forward to reach its goal and adapt the company’s behavior and values in accordance with shareholders and public’s expectation.
In conducting its business, Bank Aceh highly values the principles of Good Corporate Governance (GCG), excellent risk management and realizes the importance of implementing these principles in every facet of its activities in the interest of its stakeholders which includes shareholders, customers as well as the general public in the areas where Bank Aceh operated. The application of GCG and risk management begins by the commitment of management at every level of the organization by issuing a strategic policy and code of conduct that must be
followed by all relevant parties in the company. Laporan T
ahunan
Bank Aceh
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Annual Report
2012
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Gagasan untuk mendirikan Bank milik Pemerintah Daerah di Aceh
tercetus atas prakarsa Dewan Pemerintah Daerah Peralihan
Provinsi Atjeh setelah mendapat persetujuan Dewan Perwakilan
Rakyat Daerah pada tanggal 7 September 1957
The idea to establish a Bank owned by regional governments in Aceh was based on initiative of State Government Council of Transfer of Aceh Province after obtaining an approval from State Parliament House (DPRD) dated September 7, 1957.
Laporan T
ahunan
Bank Aceh
-
Annual Report
(13)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Gagasan untuk mendirikan Bank milik Pemerintah Daerah di Aceh tercetus atas prakarsa Dewan Pemerintah Daerah Peralihan Provinsi Atjeh (sekarang disebut Pemerintah Provinsi Nanggroe Aceh Darussalam). Setelah mendapat persetujuan Dewan Perwakilan Rakyat Daerah peralihan Provinsi Aceh di Kutaraja (sekarang Banda Aceh) dengan Surat Keputusan Nomor 7/DPRD/5 tanggal 7 September 1957, beberapa orang mewakili Pemerintah Daerah menghadap Mula Pangihutan Tamboenan, wakil Notaris di Kutaraja, untuk mendirikan suatu Bank dalam bentuk Perseroan Terbatas yang bernama “PT Bank Kesejahteraan Atjeh, NV” dengan modal dasar ditetapkan Rp 25.000.000.
Setelah beberapa kali perubahan Akte, barulah pada tanggal 2 Februari 1960 diperoleh izin dari Menteri Keuangan dengan Surat Keputusan No. 12096/BUM/II dan Pengesahan Bentuk Hukum dari Menteri Kehakiman dengan Surat Keputusan No. J.A.5/22/9 tanggal 18 Maret 1960. Pada saat itu PT Bank Kesejahteraan Atjeh NV dipimpin oleh Teuku Djafar sebagai Direktur dan Komisaris terdiri atas Teuku Soelaiman Polem, Abdullah Bin Mohammad Hoesin, dan Moehammad Sanusi. Dengan ditetapkannya
The idea to establish a Bank owned by regional governments in Aceh was based on initiative of State Government Council of Transfer of Aceh Province (now called Province Government of Nanggroe Aceh Darussalam). After obtaining an approval from State Parliament House (DPRD) of transfer Aceh Province in Kutaraja (now called Banda Aceh) set forth in its decree
Number 7/DPRD/5 dated
September 7, 1957, several people represent the region governments to meet Mr Mula Pangihutan Tamboenan, vice notary in Kutaraja, to establish a Bank in Limited Company called “PT Bank Kesejahteraan Atjeh, NV” with the authorized capital of Rp 25,000,000.
After several times change of notary deed on February 2, 1960 the Bank obtained license from Ministry of Finance set forth in its decision letter No. 12096/BUM/ II and approval form of entity from the Minister of Justice set forth in its decision letter No. J.A.5/22/9 dated March 18, 1960. PT Bank Kesejahteraan Atjeh NV at those moment was leaded by Teuku Djafar as Director and the Commissioners consists of Teuku Soelaiman Polem, Abdullah Bin Mohammad
Hoesin and Moehammad
Sekilas Bank Aceh
Bank Aceh in Brief
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
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Undang-undang No. 13 Tahun 1962 tentang Ketentuan-ketentuan Pokok Bank Pembangunan Daerah, semua Bank milik Pemerintah Daerah yang sudah berdiri sebelumnya, harus menyesuaikan diri dengan Undang-undang tersebut.
Untuk memenuhi ketentuan ini maka pada tahun 1963 Pemerintah Daerah Provinsi Daerah Istimewa Aceh membuat Peraturan Daerah No. 12 Tahun 1963 sebagai landasan hukum berdirinya Bank Pembangunan Daerah Istimewa Aceh. Dalam Perda tersebut ditegaskan bahwa maksud pendirian Bank Pembangunan Daerah Istimewa Aceh adalah untuk menyediakan pembiayaan bagi pelaksanaan usaha-usaha pembangunan daerah dalam rangka pembangunan nasional semesta berencana.
Sepuluh tahun kemudian, atau tepatnya pada tanggal tanggal 7 April 1973, Gubernur Kepala Daerah Istimewa Aceh mengeluarkan Surat Keputusan No. 54/1973 tentang Penetapan Pelaksanaan Pengalihan PT Bank Kesejahteraan Atjeh, NV menjadi Bank Pembangunan Daerah Istimewa Aceh. Peralihan status, baik bentuk hukum, hak dan kewajiban dan lainnya secara resmi terlaksana pada tanggal 6 Agustus 1973, yang dianggap sebagai hari lahirnya Bank Pembangunan Daerah Istimewa Aceh.
Untuk memberikan ruang gerak yang lebih luas kepada Bank Pembangunan Daerah Istimewa Aceh, Pemerintah Daerah telah beberapa kali mengadakan perubahan Peraturan Daerah (Perda), yaitu mulai Perda No.10 tahun 1974, Perda No. 6 tahun 1978, Perda No. 5 tahun 1982, Perda No. 8 tahun 1988, Perda No. 3 tahun 1993 dan terakhir Peraturan Daerah Provinsi Daerah Istimewa Aceh Nomor : 2 Tahun 1999 tanggal 2 Maret 1999 tentang Perubahan Bentuk Badan Hukum Bank Pembangunan Daerah Istimewa Aceh menjadi PT Bank Pembangunan Daerah Istimewa Aceh, yang telah disahkan oleh Menteri Dalam Negeri dengan Keputusan Menteri Dalam Negeri Nomor : 584.21.343 tanggal 31 Desember 1999.
Perubahan bentuk badan hukum dari Perusahaan Daerah menjadi Perseroan Terbatas dilatarbelakangi keikutsertaan Bank Pembangunan Daerah Istimewa Aceh dalam program rekapitalisasi, berupa peningkatan permodalan bank yang ditetapkan melalui Keputusan Bersama Menteri Keuangan Republik Indonesia dan
Sanusi. With the commencement of Law No 13 year 1962 in regard of Principle Stipulations of Regional Development Bank, all the banks which belong to the State Government should be complied with that law.
In order to comply with mentioned stipulations, then in 1963 the State Government of Special Aceh Province made a state regional regulation No. 12 year 1963 as a basis of establishment of Regional Development Bank of Special Aceh Region (BPD Aceh). In that regulation, it was emphasized the purpose to establish BPD Aceh is to provide financing for execution of efforts of state development in the framework of national planning development.
Ten years later, or exactly on April 7, 1973, the Governor of Special Aceh issued a decision later No. 54/1973 in regard of Determining Implementation of Transfer PT Bank Kesejahteraan Atjeh, NV to become Regional Development Bank of Special Aceh. Transfer status in form of law, right and obligation and others officially implemented on August 6, 1973 and then recognized as a born of the Regional Development Bank Aceh Special Region.
In order to give more widely of busines for BPD Aceh, the Local Government of Aceh has so many times revise the local regulations (Perda) i.e Perda No. 10 year 1974, Perda No. 6 year 1978, Perda No. 5 year 1982, Perda No. 8 year 1988, Perda No.3 year 1993 and the lastest based on Perda No.2 year 1999 dated March 2,1999 in regard with the Change of the Company’s Form from Local Company (Perusahaan Daerah) into Limited Company (PT). This change had been legalized by the Minister of Domestic Affair of Republic of Indonesia set forth in its decree No: 584.21.343, dated December 31, 1999.
The change of the entity’s form into PT was purposed for joining the bank into recapitalization program in order to increase the bank’s share capital which was decided by join decision of Minister of Finance of Republic Indonesia and the Governor of Bank Indonesia No. 53/KMK.017/1999 and No.31/12/KEP/GBI dated
Laporan T
ahunan
Bank Aceh
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Annual Report
(15)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
dan Nomor 31/12/KEP/GBI tanggal 8 Februari 1999 tentang Pelaksanaan Program Rekapitalisasi Bank Umum, yang ditindaklanjuti dengan penandatanganan Perjanjian Rekapitalisasi antara Pemerintah Republik Indonesia, Bank Indonesia, dan PT. Bank BPD Aceh di Jakarta pada tanggal 7 Mei 1999.
Perubahan bentuk badan hukum menjadi Perseroan Terbatas ditetapkan dengan Akte Notaris Husni Usman, SH No. 55 tanggal 21 April 1999, bernama PT Bank Pembangunan Daerah Istimewa Aceh disingkat PT Bank BPD Aceh. Perubahan tersebut telah disahkan oleh Menteri Kehakiman RI dengan Surat Keputusan Nomor C-8260 HT.01.01.TH.99 tanggal 6 Mei 1999. Dalam Akte Pendirian Perseroan ditetapkan modal dasar PT Bank BPD Aceh sebesar Rp 150 milyar.
Sesuai dengan Akte Notaris Husni Usman, SH No.42 tanggal 30 Agustus 2003, modal dasar ditempatkan PT Bank BPD Aceh ditambah menjadi Rp 500 milyar.
Berdasarkan Akta Notaris Husni Usman tentang Pernyataan Keputusan Rapat No. 10 Tanggal 15 Desember 2008, notaris di Medan tentang peningkatan modal dasar Perseroan, modal dasar kembali ditingkatkan menjadi Rp1.500.000.000.000 dan perubahan nama Perseroan menjadi PT. Bank Aceh. Perubahan tersebut telah disahkan oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia No. AHU-44411. AH.01.02 Tahun 2009 pada tanggal 9 September 2009. Perubahan nama menjadi PT. Bank Aceh telah disahkan oleh Keputusan Gubernur Bank Indonesia No.12/61/ KEP.GBI/2010 tanggal 29 September 2010.
Bank juga memulai aktivitas perbankan syariah dengan diterimanya surat Bank Indonesia No.6/4/Dpb/BNA tanggal 19 Oktober 2004 mengenai Izin Pembukaan Kantor Cabang Syariah Bank dalam aktivitas komersial Bank. Bank mulai melakukan kegiatan operasional berdasarkan prinsip syariah tersebut pada 5 November 2004.
Kantor Pusat Bank berlokasi di Jalan Tgk. H.M. Daud Beureu-eh No.24 Banda Aceh. Sampai dengan tanggal 31 Desember 2012, Bank memiliki 1 Kantor Pusat Operasional, (termasuk kantor pusat), 24 Kantor Cabang, serta 82 Kantor Cabang Pembantu dan 1 Kantor Pelayanan Kas (Payment Point).
Recapitalization Program of a Nonforeign Exchange Bank (Commercial Bank), which was continued by the signing of agreement between the Government of Republic of Indonesia, Bank Indonesia and BPD Aceh at Jakarta on May 7,1999.
The change of the entity’s form into Limited Company (PT) was based on notary deed of Husni Usman, SH No.55 dated April 21,1999, the entity’s name now called PT Bank Pembangunan Daerah Istimewa Aceh or abbreviated by PT Bank BPD Aceh. The change has been approved by Minister of Justice of Republic Indonesia set forth in its letter No.C-8260 HT.01.01.TH.99 dated May 6, 1999. The bank’s authorized share capital is Rp 150 billions.
Based on the notary deed of Husni Usman, SH No. 42 dated August 30, 2003, the bank’s authorized share capital was increased to become Rp 500 billion.
Based on deed of Husni Usman, SH. Notary in Medan in relation with Meeting Resolution No. 10 dated December 15, 2008, the authorized capital of bank was increased to become Rp. 1,500,000,000,000,- and the bank’s name changed to become PT. Bank Aceh . This amendment was approved by the Minister of Justice and Human Rights Republic of Indonesia No. AHU-44411.AH.01.02 Year 2009 dated September 9, 2009. The changes of the bank’s name has been approved by the decision of Governor of Bank Indonesia No.12/61/KEP.GBI/2010 dated September 29, 2010.
The Bank also starting its syariah activity based on the Letter of Bank Indonesia No.6/4/Dpb/BNA dated October 19, 2004 regarding to Licence of Opening Syaria Branch Office activity. Bank starting the syariah operational activity since November 5, 2004.
Bank’s head office is located at Jalan Tgk.H.M. Daud Beureu-eh No.24, Banda Aceh. As of December 31, 2012, the bank had one (1) operational head office (including head office), twenty four (24) branches office and eighty (82) sub-branches office.
Sekilas Bank Aceh
Bank Aceh in Brief
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(16)
Identitas,Visi, Misi dan Nilai-nilai Perusahaan
Identity, Vision, Mission and Corporate Values
Bentuk dasar logo Bank Aceh adalah sekuntum bunga Seulanga / Kenanga (Cananga Odorata / Canangium Odoratum) yang terkenal akan keharumannya, dengan model ukiran khas Aceh dengan 3 helai kelopak bunga yang mewakili; manajemen Bank Aceh, pemegang saham dan masyarakat Aceh dengan warna: kuning kehijauan - hijau muda - hijau sedang sebagaimana warna bunga kenanga; melambangkan sebuah pertumbuhan dan kemakmuran serta kesejahteraan masyarakat Aceh yang holistik dan menggambarkan dari semangat manajemen dan karyawan untuk terus berusaha melakukan pengembangan bank, dengan mengedepankan kemitraan sehingga mampu menjadi bank kepercayaan / kebanggaan masyarakat Aceh.
Bentuk elips seperti bulan sabit berwarna merah terbuka bagian atas dengan posisi miring adalah merupakan gambaran semangat Bank Aceh sebagai wadah lembaga keuangan/perbankan yang membuka peluang informasi dan menampung aspirasi nasabah sebagai mitra sesuai dengan dinamika dan perkembangan zaman dengan tidak meninggalkan identitas kedaerahan dan kaidah yang islami.
Letak logo diantara tulisan Bank dan Aceh menggambarkan logo sebagai mediator antara manajemen Bank Aceh dengan masyarakat Aceh, Warna hijau tua (lebih tua dari logo sebelumnya) dimaksudkan bahwa Bank Aceh sudah dewasa sehingga lebih matang
The basic form of Bank Aceh logo is a flower Seulanga / Kenanga (Cananga odorata / Canangium odoratum) is famous for its fragrance, carving model typical of Aceh with 3 strands representing flower petals; Bank Aceh management, shareholders and the people of Aceh with color: yellow-green - light green - green being the color as kenanga flower; symbolizes a growth and prosperity and welfare of the people of Aceh and describes the spirit of holistic management and employees to continue to perform the development bank, by promoting partnerships so as to become trusted bank / pride of the Aceh’s people.
The red eclipse-like form that heels over is the description of the spirit of Bank Aceh as a financial institution/banking which informs and accepts the customers’ aspirations as the partners in facing the globalization without ignoring the Islamic identity of the area.
The logo position between Bank and Aceh symbolizes the logo as the mediator between Bank Aceh and the people of Aceh. The dark green, which is darker than the previous logo, determines that Bank Aceh is already mature and professional in planning the banking programs.
Laporan T
ahunan
Bank Aceh
-
Annual Report
(17)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Mewujudkan Bank Aceh menjadi bank yang sehat,
tangguh, handal dan terpercaya serta dapat memberikan
nilai tambah yang tinggi kepada mitra dan masyarakat.
Membantu dan mendorong pertumbuhan ekonomi dan
pembangunan daerah dalam rangka meningkatkan taraf
hidup masyarakat melalui pengembangan dunia usaha
dan pemberdayaan ekonomi rakyat, serta memberi
nilai tambah kepada pemilik dan kesejahteraan kepada
karyawan.
Establishing Bank Aceh to be a Soundness, Strong, Excellence and Trusted Bank, and capable of giving high added value to business partner and society.
Stimulating and accelerating economic growth and regional development in order to increase social welfare through business sectors expansion and community
economic empowerment, and giving benefit to shareholders and improving employees’ welfare
VISI
MISI
VISION
MISSION
Visi & Misi
Vision & Mission
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(18)
“Kepercayaan” adalah suatu manifestasi dan wujud Bank sebagai pemegang amanah dari Nasabah, Pemilik dan Masyarakat secara luas untuk menjaga kerahasiaan dan mengamankan kepercayaan tersebut.
“Kemitraan” adalah suatu jalinan kerjasama usaha yang erat dan setara antara Bank dan Nasabah yang merupakan strategi bisnis bersama dengan prinsip saling membutuhkan, saling memperbesar dan saling menguntungkan diikuti dengan pembinaan dan pengembangan secara berkelanjutan.
Untuk dapat mengemban visi dan misi bank, karyawan dan manajemen harus dapat menganut, meyakini, mengamalkan dan melaksanakan nilai-nilai filisofis yang luhur yang terkandung dalam pilar dan perilaku budaya kerja, yaitu :
1. Bekerja adalah ibadah kepada Allah SWT dengan penuh keimanan dan ketaqwaan;
2. Profesionalisme dan integritas karyawan/ manajemen;
3. Pengelolaan Bank secara Sehat dan Berdaya Saing Tinggi;
4. Kepuasan Nasabah yang tinggi;
5. Prestasi Kerja dan Kesejahteraan adalah Karunia Allah SWT.
“Trust” is a manifestation and real of Bank as mandate holder from customer, owner and community to keep the secret and safe the trust.
“Partnership” is a close and equal business cooperation between the Bank and Customers, which is a cooperative business strategic based on mutual need, growth, and benefit followed by the sustainability development.
In order to be able to pursue bank’s vission and mission, management and employees have to embrace, believe, practice and execute the august filisofis values that implied in the pillars and behavior of corporate culture, as follows:
1. Working is a religious service to Allah SWT, therefore it has to be done with faith and godfearing;
2. Integrity and professionalism of employees and management;
3. Management of Bank is conducted well and highly Competitive;
4. Highly Satisfied Services for Customers;
5. Achievement and prosperity of employees is Granted by Allah SWT
CORPORATE IMAGE
Kepercayaan dan Kemitraan
CORPORATE IMAGE
Trust and Partnership
Laporan T
ahunan
Bank Aceh
-
Annual Report
(19)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
“BANK DAERAH KEBANGGAAN NASIONAL”
Menjadi bank daerah yang dominan di regional dan menguasai pangsa pasar di setiap segmen yang dimasuki
Nilai-nilai budaya yang akan dikembangkan dirumuskan sebagai CAYA PROFIT ASA BERSAMA KARYA yaitu :
Nilai ini secara inspiratif menggambarkan KARYA BERSAMA akan menimbulkan ASA yang memberikan PROFIT bagi stakeholders dalam artian luas, yang akan membawa Bank Aceh pada masa kegemilangan yang penuh CA(HA)YA.
This value is inspiringly describe COLLECTIVE WORK that would rise the HOPE to give PROFIT to the stakeholders in wide meaning, which will bring the Bank Aceh in the full glory of the LIGHTS.
“REGIONAL BANK NATIONAL’S PRIDE”
Become the dominant bank in regional areas and reach the biggest market share in every segment of the cluster Corporate values that will be developed is defined as believing that CAYA PROFIT ASA BERSAMA KARYA :
Nilai - Values Definisi - Definition Perilaku Utama – Basic Behaviors
1. Kepercayaan (CAYA) | Trust Membangun sikap percaya sesama unsur Stakeholder | Build trust fellow elements stance Stakeholders
1. Saling menghargai | Mutual respect 2. Jujur dan saling keterbukaan | Honesty
and mutually openness
2. Profesional dan Integritas (PROFIT) | Proffesional and Integrity
Menjalankan “komitmen” dengan penuh tanggungjawab, akurat, tuntas dan tepat waktu | Running a “commitment” with full responsibility, accurate, complete and
timely
3. Bertanggungjawab | Responsible 4. Memberikan solusi terbaik | Provide the
best solution
5. Kompeten | Competance 6. Disiplin | Discipline
7. Berdaya juang tinggi | Endurance 3. Kepuasan Nasabah (ASA) | Customer
Satisfaction
Memberikan nilai tambah yang tinggi bagi mitra usaha | Provide high added value for
business partners
8. Memberikan pelayanan yang memuaskan | Provide satisfied services 9. Ramah dan cepat tanggap terhadap
kebutuhan nasabah | Hospitality and responsive on customer’s need 4. Berkembang Bersama (BERSAMA) |
Growth Together
Bersinergi melalui kemitraan yang saling menguntungkan secara terus menerus
| Synergy through a mutually beneficial
partnership is continuously
10. Memahami & memenuhi kebutuhan bisnis | Knowing and comply On business need
11. Berpikiran dan berwawasan terbuka | knowledge and open minded
5. Karya Yang Berkesinambungan (KARYA) | Sustainable Efford
Mengembangkan kreatifitas di segala bidang untuk mendapatkan nilai tambah
yang optimal | Develop creativity in all fields to obtain the optimal value
12. Kreatif dan Inovatif | Creative and innovative
13. Berorientasi bisnis | Business oriented 14. Perbaikan secara terus-menerus |
sustainable improvement
Nilai-Nilai Budaya
Corporate Values
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(20)
Di tahun 2012 Bank Aceh mampu menunjukkan posisinya sebagai bank ke-sebelas terbesar di antara 26 BPD Nasional dalam hal total asset, dan penghimpunan dana pihak ketiga. Sementara dalam hal penyaluran kredit berada pada urutan ke-sepuluh, terkait laba dan modal inti Bank Aceh berada pada urutan ke-enam dan ke-delapan BPD Nasional.
In the year of 2012 Bank Aceh is able to show it’s position as the big eleven bank among 26 other BPD National in total asset and third parties fund gathering, while granted loan showed at the big ten, related to income and core capital, Bank Aceh is sixth and eight position of all BPD nation
13,487,270
Aset
Assets
Kredit/ Pembiayaan
Loans / Financing
Kredit/ Pembiayaan (Rp. Juta)
Loans / Financing (expressed in million rupiahs) Aset (Rp. Juta)
Assets (expressed in million rupiahs)
9,593,463
Posisi Bank Aceh Secara Nasional
The Position of Bank Aceh among Other Regional Banks in Indonesia
Laporan T
ahunan
Bank Aceh
-
Annual Report
(21)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Giro
Tabungan
Demand Deposits
Saving Deposits
Giro (Rp. Juta)
Demand Deposits (expressed in million rupiahs)
4,639,267
3,668,262
Tabungan (Rp. Juta)Saving Deposits (expressed in million rupiahs)
Posisi Bank Aceh Secara Nasional
The Position of Bank Aceh among Other
Regional Banks in Indonesia
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(22)
Deposito
Time Deposits
10,675,335
DPK (Rp. Juta)Fund Gathering (expressed in million rupiahs) Deposito (Rp. Juta)
Time Deposits (expressed in million rupiahs)
2,364,806
DPK
Fund Gathering
Laporan T
ahunan
Bank Aceh
-
Annual Report
(23)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Laba
Profit
Laba (Rp. Juta)
Profit (expressed in million rupiahs)
Modal Inti (Rp. Juta)
Core Capital (expressed in million rupiahs)
476,718
1,407,723
Modal Inti
Core Capital
Posisi Bank Aceh Secara Nasional
The Position of Bank Aceh among Other
Regional Banks in Indonesia
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(24)
No. KETERANGAN
Perbankan Aceh Banking of Aceh (Rp. Juta - million)
Bank Aceh
(Rp.Juta - million) Share (%)
2010 2011 2012 2010 2011 2012 2010 2011 2012
1 Total Aset/Asset 30.844.487 33.877.396 35.619.289 12.210.215 13.055.398 13.487.270 39,59 38.54 37,86
2
Dana Pihak Ketiga/Fund Raising - Giro/
Demand Deposit - Tabungan/
Saving Deposit - Deposito/
Times Deposit
18.726.358 4.368.784 8.707.850 5.649.724
20.330.898 6.694.259 10.201.740
3.434.899
21.968.943 9.451.755 8.252.213 4.264.955
9.984.532 2.875.711 2.944.788 4.164.033
10.061.835 4.940.490 3.261.692 1.859.652
10.672.335 4.639.267 3.668.262 2.364.806
53,32 65,82 33,82 73,70
49,49 73,80 31.97 54,14
48,58 49,08 44,45 55,45
3 Kredit /Granted Loan 15.758.145 18.387.252 20.761.200 8.161.122 9.198.872 9.593.463 51,79 50,03 46,21
4
NPL/NPF/Non Performing Loan - Nominal /
amount - Rasio /
ratio
768.958 4.88%
672.973 3.66 %
756.004 3,64%
573.054 7,02%
339.532 3.69%
316.148 3,30%
74,52 50.45 41,82
5 LDR/FDR/Loan to
Deposit Ratio 84.15% 90.44% 94,50% 82,46% 91,42% 90,00%
Table of Market Share Progress of Bank Aceh
Grafik Market Share Bank Aceh Tahun 2012
Pie Chart of Bank Aceh’s Market Share
Tabel Perkembangan Penguasaan Pangsa Pasar
Perbankan Daerah oleh Bank Aceh
2012
Aset
Asset
2012
Kredit/Pembiayaan
Loan / Financing
Bank lainOther Banks 53.79% Bank lain
Other Banks 62.84%
Bank Aceh 37.86%
Bank Aceh 46.21%
Laporan T
ahunan
Bank Aceh
-
Annual Report
(25)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
2012
Dana Pihak Ketiga
Third Parties Fund
2012
Tabungan
Saving Deposit
2012
NPL (Nominal)
Non Performing Loan (Nominal)
2012
Giro
Demain Deposit
2012
Deposito
Time Deposit
Bank lainOther Banks 51.42%
Bank Aceh 48.58%
Bank lain Other Banks 50.92%
Bank Aceh 49.08%
Bank lain Other Banks 55.55%
Bank Aceh 44.45%
Bank Aceh 55.45% Bank lain
Other Banks 44.45%
Bank lain Other Banks 58.18%
Bank Aceh 41.82%
Penguasaan Pangsa Pasar
Market Mastery
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(26)
Share Jumlah Nasabah Dana Bank Aceh Tahun 2012
Customer Share of Bank Aceh 2012
URAIAN - items
2012
Jumlah Nasabah (orang) - Accounts Share (%)
Bank Aceh Perbankan Aceh – Banking in Aceh Bank Aceh Other BanksBank Lain –
DANA PIHAK KETIGA – Third Parties Fund • TABUNGAN – Saving
Deposits
• DEPOSITO – Times Deposits
916,165 828,473 2,829
2,402,206 2,325,778 12,865
38.14% 35.62% 21.99%
61.86% 64.38% 78.01%
2012
DPK
Third Parties Funds
2012
Tabungan
Saving Deposits
2012
Deposito
Time Deposits
Bank Aceh38.14%
Bank Aceh 21.99%
Bank lain
Other Banks
61.86%
Bank lain
Other Banks
64.38%
Bank Aceh 35.62%
Bank lain
Other Banks
78.01%
Laporan T
ahunan
Bank Aceh
-
Annual Report
(27)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
NO URAIAN 2008 2009 2010 2011 2012
1 ASET 48.31% 44.97% 39.59% 38.54% 37.86%
2 KREDIT/PEMBIAYAAN 48.19% 50.72% 51.79% 50.03% 46.21%
3 DANA PIHAK KETIGA 56.56% 53.02% 53.32% 49.49% 48.58%
4 GIRO 78.20% 72.28% 65.82% 73.80% 49.08%
5 TABUNGAN 28.22% 31.69% 33.82% 31.97% 44.45%
6 DEPOSITO 61.89% 66.21% 73.70% 54.14% 55.45%
7 NPL (NOMINAL) 48.19% 35.62% 74.54% 50.45% 41.82%
Aset Asset
Loan/Financing Saving Deposits
Time Deposits Third Parties Funds
Non Performing Loan
Demand Deposit
2008
48.31%
44.97%
39.59% 38.54% 37.86%
2009 2010 2011 2012
Kredit/Pembiayaan
2008 2009 2010 2011 2012
48.19%
50.72% 51.79% 50.03%
46.21%
Dana Pihak Ketiga
56.56%
53.02% 53.32%
49.49%
48.58%
2008 2009 2010 2011 2012
Giro
2008 2009 2010 2011 2012
78.20% 72.28%
Tabungan
2008 2009 2010 2011 2012
28.22% 31.69%
33.82% 31.97%
44.45%
Deposito
61.89%
66.21%
73.70%
54.14% 55.45%
2008 2009 2010 2011 2012
Npl (Nominal)
48.19%
35.62%
74.54%
50.45%
41.82%
2008 2009 2010 2011 2012
65.82% 73.80%
49.08%
Tabel Perkembangan Pangsa Pasar
Bank Aceh 2008-2012
Table of Market Share Progress of Bank Aceh
2008-2012
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(28)
Tabel Perkembangan Data dan Ratio Keuangan Bank Aceh
Table of General Data and Financial Ratios Progress of Bank Aceh
KETERANGAN (Rp.Jutaan)2012
(Rp.Million) 2011 (Rp.Jutaan) (Rp.Million) 2010 (Rp.Jutaan) (Rp.Million) 2009 (Rp.Jutaan) (Rp.Million) 2008 (Rp.Jutaan) (Rp.Million) REMARK
A. DATA KEUANGAN A. FINANCIAL DATA
1. VOLUME USAHA 13.487.270 13.055.398 12.210.215 13.035.072 13.695.615 1. ASSET
2. LABA SEBELUM
PAJAK 476.718 351.573 213.819 383.695 352.273 2. PROFIT BEFORE TAX
3. DANA PIHAK KETIGA - Giro - Tabungan - Deposito
10.672.335 4.639.267 3.668.262 2.364.806 10.061.835 4.940.490 3.261.692 1.859.652 9.984.532 2.875.711 2.944.788 4.164.033 10.342.508 4.259.197 2.690.572 3.392.739 11.579.339 6.559.096 2.058.082 2.962.161 3. DEPOSITS - Demand Deposits
- Saving Deposits - Time deposits 4. PENGGUNAAN
DANA - SBI dan
FASBI - Kredit - Penempatan - Pembelian
Surat Berharga - Penyertaan - Garansi yang
diberikan 13.837.659 1.106.754 9.593.463 1.783.378 471.034 330 882.700 12.343.212 -9.198.872 1.857.200 474.534 200 812.406 11.985.709 170.000 8.161.230 2.241.995 505.308 200 906.976 13.003.346 1.020.000 6.390.851 2.134.008 2.410.261 200 1.048.026 13.036.285 4.080.000 4.521.711 1.295.763 2.422.670 130 716.011
4. UTILIZATION OF FUNDS
- Placement with Bank Indonesia
- Loans - Placement - Securities
- Investment - Granted bank guarantee
5. MODAL SENDIRI - Modal Disetor - Modal
Pinjaman - Saldo Laba - Cadangan
1.584.667 858.688 0 353.777 372.202 1.523.429 851.188 0 260.182 412.059 1.324.634 839.760 0 178.626 306.248 1.283.834 839.760 0 272.165 171.909 1.077.873 500.000 228.523 242.850 106.500
5. EQUITY - Paid in Capital - Borrowed Capital
- Retained Earning - Reserve Laporan T ahunan Bank Aceh - Annual Report 2012
(29)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
B. RASIO-RASIO
KEUANGAN B. FINANCIAL RATIOS
1. CAR 2. Aktiva Tetap
Terhadap Modal 3. Aktiva Produktif
Bermasalah 4. NPL (Gross) 5. NPL (Netto) 6. CKPN Thp Aktiva
Produktif 7. ROA 8. ROE 9. NIM 10. BOPO 11. LDR 12. Pelanggaran
BMPK
a. Pihak Terkait b. Pihak Tidak
Terkait 13. Pelampauan
BMPK
a. Pihak Terkait b. Pihak Tidak
Terkait 14. GWM Rupiah 15. PDN 17,82 23,18 2,64 3,30 1,56 2,26 3,66 23,31 7,87 71,51 89.89 0 0 0 0 9,26 0 18.27 22.45 2.90 3.69 2.06 2.22 2.91 18.94 7.24 77.36 91.42 0 0 0 0 9.40 0 18.38 24.46 4.69 7.02 2.19 4,18 1.80 11.56 8.26 92.99 82.46 0 0 0 0 8.50 0 22,94 22,79 0,83 1,69 1,04 1,12 3,06 29,34 6,95 71,39 61,79 0 0 0 0 5,51 0 26,57 20,28 0,41 1,17 0,21 0,87 3,09 31,84 7,67 70,57 39,05 0 0 0 0 5,83 0 1. CAR 2. Fixed Assets To Capital 3. Non Performing Earning 4. NPL (Gross) 5. NPL (Net) 6. Allowance to Earning
Assets 7. ROA 8. ROE 9. NIM 10. OCOI 11. LDR 12. Legal Lending Limit
Violation a. Affiliated Parties b. Non-Affiliated Parties
13. Legal Lending Limit Excess a. Affiliated Parties b. Non-Affiliated Parties 14. Reserve Requirement 15. Net Open Position
C. JARINGAN KANTOR C. OFFICE NETWORK
1. Kantor Pusat 2. Kantor Pusat
Operasional 3. Kantor Cabang
- Konvensional - Syariah 4. Kantor Cabang
Pembantu - Konvensional - Syariah 5. Kantor Kas 6. Office Channeling
Syariah 7. Payment Point
1 1 23 21 2 82 70 12 0 0 1 1 1 23 21 2 80 69 11 -2 0 1 1 23 21 2 76 67 9 -2 0 1 1 21 19 2 78 69 9 -2 0 1 1 20 18 2 66 60 6 -2 0
1. Head Office 2. Main Branch Office 3. Branch Office - Conventional - Syariah 4. Sub Branch Office
- Conventional - Syariah 5. Cash Office 6. Syaria Office Channel 7. Payment Point
D. ATM 85 81 81 76 55 D. AUTOMATED TELLER MACHINES
E. JUMLAH PEGAWAI 1.513 1.559 1.585 1.560 1.352 E. TOTAL OF EMPLOYEES
Angka-angka pada seluruh tabel dan grafik menggunakan notasi Indonesia – Numerical notations in all tables and graphics are in Indonesia
Ikhtisar Keuangan
Financial Highlights
Laporan T ahunan Bank Aceh - Annual Report 201227
(30)
Perkembangan Asset
Progress of Business Volume
Perkembangan Setoran Modal
Progress of Paid in Capital
Total Modal Pemerintah Aceh
Pemerintah Kabupaten & Kota Pemerintah Pusat
Grafik Perkembangan Data Keuangan Bank Aceh
Graphic of General Data Progress of Bank Aceh
Perkembangan Tabungan
Progress of Saving Deposit
Perkembangan Dana Masyarakat
Progress of Fund Raising
Progress of demand deposit
Perkembangan Giro
Perkembangan Deposito
Progress of time deposit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 20122000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Laporan T
ahunan
Bank Aceh
-
Annual Report
(31)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Perkembangan Kredit
Progress of granted loan
Perkembangan CAR
Progress of CAR
Progress of NPL (Gross)
Perkembangan NPL
2008 2009 2010 2011 2012 2008 2009 2010 2011 2012
1.17% 1.69%
7.02%
3.69% 3.30%
Perkembangan Hasil Usaha
Progress of outcome
Grafik Perkembangan Ratio Keuangan Bank Aceh
Table of Financial Ratios Progress of Bank Aceh
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Perkembangan NPL (Netto)
Progress of NPL (Nett)
Perkembangan ROA
Progress of ROA
2008 2009 2010 2011 2012
3.09% 3.06% 2.91%
3.66% 26.57%
22.94%
18.42% 18.27% 17.82%
2008 2009 2010 2011 2012
0.21% 1.04%
2.19%
2.06% 1.56%
1.80%
Grafik Perkembangan
Data Keuangan Bank Aceh
Graphic of General Data Progress of Bank Aceh
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(32)
Perkembangan ROE
Progress of ROE
Perkembangan NIM
Progress of NIM
2008 2009 2010 2011 2012
7.67%
6.95% 8.26%
7.24% 7.87%
Perkembangan LDR
Progress of LDR
2008 2009 2010 2011 2012
39.05%
61.79% 82.46%
91.42% 89.89%
Perkembangan BOPO
Progress of OCOI
2008 2009 2010 2011 2012
70.57% 71.39%
92.98%
77.36% 71.51%
2008 2009 2010 2011 2012
31.84% 29.34%
18.94% 23.31%
11.56%
Laporan T
ahunan
Bank Aceh
-
Annual Report
(33)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Tabel Komposisi Pemegang Saham Bank Aceh
Table of Shareholders Composition of Bank Aceh
PEMEGANG SAHAM CAPITAL SHARE 2012 (%) 2012 (Rp. Juta) (Rp. Million) 2011 (Rp. Juta) (Rp. Million) 2010 (Rp. Juta) (Rp. Million) 2009 (Rp. Juta) (Rp. Million) 2008 (Rp. Juta) (Rp. Million) SHAREHOLDERS
A. PEMPROV ACEH 64,28 551.971 551.971 551.971 551.971 471.471 ACEH PROVINCIAL GOVERNMENT B. PEMKAB DAN
PEMKOT SE – ACEH
35,72 306.718 299.217 287.789 287.789 257.052
REGENCY AND MUNICIPALITY GOVERNMENT OF ACEH PEMKAB SE - ACEH
Pemkab. Aceh Besar Pemkab. Pidie Pemkab. Aceh Utara Pemkab. Aceh Timur Pemkab. Aceh Tengah Pemkab. Aceh Tenggara
Pemkab. Aceh Barat Pemkab. Aceh Selatan Pemkab. Simeulue Pemkab. Singkil Pemkab. Bireuen Pemkab. Aceh Jaya Pemkab. Nagan Raya Pemkab. Gayo Luwes Pemkab. Aceh Barat Daya
Pemkab. Bener Meriah Pemkab. Aceh Tamiang
Pemkab. Pidie Jaya
32,33 1.24 0,89 9,08 0,93 1,92 0.77 2,16 1,58 1,62 1,05 2,19 2,49 1,02 1,08 0,64 1,64 1,65 0,38 277.571 10.679 7.607 77.954 7.950 16.515 6.643 18.565 13.526 13.935 9.050 18.769 21.400 8.750 9.250 5.500 14.100 14.128 3.250 271.070 10.679 7.607 77.954 7.950 14.515 6.643 18.565 12.526 13.935 9.050 18.769 21.400 8.750 9.250 5.500 11.600 14.128 2.250 261.642 10.679 7.607 77.954 7.950 14.515 6.643 18.565 11.226 13.935 9.050 18.769 20.400 7.750 9.250 5.500 8.600 12.000 1.250 261.642 10.679 7.607 77.954 7.950 14.515 6.643 18.565 11.226 13.935 9.050 18.769 20.400 7.750 9.250 5.500 8.600 12.000 1.250 232.405 9.679 7.607 77.954 7.950 7.031 6.643 18.565 9.226 13.935 9.050 10.015 18.400 6.250 7.250 5.500 5.100 12.000 250
REGENCY GOVERNMENT OF ACEH Great Aceh Regency Pidie Regency North Aceh Regency East Aceh Regency Center Aceh Regency South East Aceh Regency West Aceh Regency South Aceh Regency Simeulue Regency Singkil Regency Bireuen Regency Aceh Jaya Regency Nagan Raya Regency Gayo Luwes Regency South West Aceh Regency Bener Meriah Regency Aceh Tamiang Regency Pidie Jaya Regency PEMKOT SE - ACEH
Pemkot. Banda Aceh Pemkot. Sabang Pemkot. Langsa Pemkot. Lhokseumawe Pemkot. Subulussalam 3.39 0,47 0,94 0,23 1,57 0,17 29.147 4.063 8.084 2.000 13.500 1.500 28.147 4.063 7.084 2.000 13.500 1.500 26.147 4.063 6.084 2.000 13.500 500 26.147 4.063 6.084 2.000 13.500 500 24.647 4.063 5.084 2.000 13.500 0 MUNICIPALITY GOVERNMENT OF ACEH Banda Aceh Municipality Sabang Municipality Langsa Municipality Lhokseumawe Municipality Subulussalam Municipality
JUMLAH 100 858.688 851.188 839.760 839.760 728.523 TOTAL
Ikhtisar Saham
Stock Highlights
Laporan T ahunan Bank Aceh - Annual Report 201231
(34)
Grafik Perkembangan Setoran Modal Bank Aceh Menurut Pemegang Saham
Graphic of Paid Up Capital of Bank Aceh by Shareholders
Setoran Modal Pemprov. Aceh
Paid up Capital of Aceh Provincial
Government
2008
471,471
551,471 551,971 551,971 551,971
2009 2010 2011 2012
Setoran Modal Pemkot. Aceh
Paid up Capital of Municipality
Government of Aceh
2008
24,647
26,147
26,147
28,147 29,147
2009 2010 2011 2012
Setoran Modal Pemkab. Aceh
Paid up Capital of Regency Government
of Aceh
2008
232,405
261,642
261,642
271,070 277,571
2009 2010 2011 2012
Total Setoran Modal Bank Aceh
Paid up Capital of Bank Aceh
2008
728,523 839,260
839,760
851,188
858,689
2009 2010 2011 2012
Laporan T
ahunan
Bank Aceh
-
Annual Report
(35)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
Tabel Perkembangan Distribusi Dividen Bank Aceh
Table of Distributed Dividends Progress of Bank Aceh
PEMEGANGSAHAM
2012* (Rp. Juta) (Rp. Million)
2011 (Rp. Juta) (Rp. Million)
2010 (Rp. Juta) (Rp. Million)
2009 (Rp. Juta) (Rp. Million)
2008 (Rp. Juta) (Rp. Million)
SHAREHOLDERS
A. PEMPROV
ACEH 100,353,164,698 75.124.759.176 65.990.963.137 81.777.551.494 54.050.132.169
ACEH PROVINCIAL GOVERNMENT
B. PEMKAB DAN PEMKOT SE – ACEH
56.094.415.268 41.113.457.093 34.773.982.865 44.350.802.051 35.796.367.852
REGENCY AND MUNICIPALITY GOVERNMENT OF
ACEH
PEMKAB SE - ACEH Pemkab. Aceh Besar Pemkab. Pidie Pemkab. Aceh Utara Pemkab. Aceh Timur Pemkab. Aceh Tengah Pemkab. Aceh Tenggara Pemkab. Aceh Barat Pemkab. Aceh Selatan Pemkab. Simeulue Pemkab. Singkil Pemkab. Bireuen Pemkab. Aceh Jaya Pemkab. Nagan Raya Pemkab. Gayo Luwes Pemkab. Aceh Barat Daya Pemkab. Bener Meriah Pemkab. Aceh Tamiang Pemkab. Pidie Jaya 50.795.130.765 1,941,482,703 1,382,939,013 14,172,726,830 1,445,341,223 3,140,584,748 1,207,739,030 3,375,202,713 2,459,195,788 2,533,417,384 1,645,369,006 3,412,338,964 363,617,460 1,590,826,387 1,681,730,752 999,948,015 2,563,503,093 2,568,557,375 783,520,910 37.242.724.492 1.452.977.703 1.034.520.125 10.612.549.146 1.081.015.411 2.185.278.466 906.658.087 2.522.369.293 1.731.949.422 1.894.682.925 1.232.125.092 2.557.240.758 2.917.579.228 1.185.629.806 1.255.372.736 743.924.584 1.592.463.563 1.917.930.568 418.457.579 31.599.887.066 1.279.714.814 906.884.514 9.320.757.505 947.190.492 1.733.157.071 796.043.073 2.216.828.812 1.430.862.233 1.662.621.609 1.078.184.922 2.247.058.296 2.438.511.693 927.037.503 1.108.414.406 654.972.149 1.047.955.438 1.561.856.663 241.835.870 40.271.656.292 1.561.414.647 1.226.431.418 12.568.795.363 1.281.771.552 2.320.500.762 1.071.058.866 2.993.230.076 1.667.812.359 2.246.709.829 1.459.162.135 2.136.824.992 3.123.068.582 1.044.151.819 1.349.170.045 886.783.618 1.225.815.462 1.934.800.621 171.503.731 32.401.345.163 1.399.527.496 1.216.265.956 9.380.576.665 1.798.489.841 1.075.678.309 1.092.383.021 1.658.387.037 1.386.698.505 2.717.542.614 1.243.713.739 2.116.535.106 2.876.393.305 963.699.347 989.280.411 892.132.360 669.595.974 923.021.732 1.423.740 REGENCY GOVERNMENT OF ACEH Great Aceh Regency Pidie Regency North Aceh Regency East Aceh Regency Center Aceh
Regency South East Aceh Regency West Aceh Regency South Aceh Regency Simeulue Regency Singkil Regency Bireuen Regency Aceh Jaya Regency Nagan Raya Regency Gayo Luwes Regency South West Aceh
Regency Bener Meriah Regency Aceh Tamiang Regency Pidie Jaya Regency
PEMKOT SE - ACEH Pemkot. Banda Aceh Pemkot. Sabang Pemkot. Langsa Pemkot. Lhokseumawe Pemkot. Subulussalam 5.299.284.503 738,714,323 1,469,821,769 363,617,460 2,454,417,855 272,713,095 3.870.732.601 557.943.438 999.648.660 267.347.897 1.836.563.817 209.228.789 3.174.095.799 483.671.741 775.890.084 241.835.870 1.612.239.136 60.458.968 4.079.145.759 655.113.816 924.914.474 322.466.770 2.176.650.699 -3.395.022.689 720.441.011 703.468.112 198.009.408 1.773.104.158 -MUNICIPALITY GOVERNMENT OF ACEH Banda Aceh Municipality Sabang Municipality Langsa Municipality Lhokseumawe Municipality Subulussalam Municipality
JUMLAH 156,447,579,966 116.238.216.271 100.764.946.002 126.128.353.545 89.846.500.021 TOTAL
Pembagian Dividen
Distribution of Dividends
Laporan T ahunan Bank Aceh - Annual Report 2012
33
(36)
Grafik Perkembangan Distribusi Dividen Bank Aceh
Graphic of Distributed Dividends Progress of Bank Aceh
Perkembangan Deviden yang diterima
Pemprov. Aceh
Progress of dividends for Aceh Provincial
Government
2008
54,050,132,169 81,777,551,494
65,990,963,137
75,124,759,176
99,329,563,049
2009 2010 2011 2012
Perkembangan Deviden yang diterima
Pemkot. Aceh
Progress of dividends for Municipality
Government of Aceh
2008
3,395,022,689
4,079,145,759
3,174,095,799
3,870,732,601
5,245,231,834
2009 2010 2011 2012
Perkembangan Deviden yang diterima
Pemkab. Aceh
Progress of dividends for Regency
Government of Aceh
2008
32,401,345,163 40,271,656,292
31,599,887,066
37,242,724,492
50,277,020,750
2009 2010 2011 2012
Perkembangan Deviden yang diterima
Pemegang Saham
Progress of dividends for Shareholders of
Bank Aceh
2008
89,846,500,021 126,128,353,545
100,764,946,002
116,238,216,269
154,851,815,633
2009 2010 2011 2012
Laporan T
ahunan
Bank Aceh
-
Annual Report
(37)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
The 9th Islamic Finance Award 2012 3rd Rank
The Most Efficient Syaria Unit, Asset ≥ IDR 500 Bn, BPD Category
Awarded The 9th Islamic Finance Award 2012 3rd Rank
The Most Efficient Syaria Unit, Asset ≥ IDR 500 Billions, Catergori of Regional Development Bank
Penghargaan
Awards
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(38)
Mei
10 Pelaksanaan RUPS Tahun Buku 2012 di Meuligou Gubernur Aceh.
21 Pelantikan Pimpinan dan Kepala Divisi PT. Bank Aceh di Pusdiklat PT. Bank Aceh Banda Aceh
22 Penandatangan Kesepakatan Bersama Bidang Perdata dan Tata Usaha Negara antara PT. Bank Aceh dengan Kejaksaan Tinggi Aceh di Aula Kantor Pusat PT. Bank Aceh Banda Aceh
Agustus
06 Upacara Peringatan HUT PT. Bank Aceh Ke – 39
May
10 Shareholders SGM for Fiscal Year 2012 in the Meuligou of Aceh Governor.
21 inauguration of Leader and Manager of Division PT. Bank Aceh in PT Bank Aceh Training Center. 22 The signing of Memorandum of Civil Affairs and the
State Administration of PT. Bank Aceh and Aceh Justice Institution in Hall Office PT. Bank Aceh, Banda Aceh
August
06 39th Anniversary Ceremony of PT. Bank Aceh
Laporan T
ahunan
Bank Aceh
-
Annual Report
(39)
• Bank Aceh Unit Usaha Syariah
• Bank Aceh Syaria Business Unit
• Anak Perusahaan dan Perusahaan Afiliasi • Subsidiaries and
Affiliated Company
• Informasi Perusahaan • Corporate Information
06 Break fasting Together and Compensation for Orphans with Bank Aceh in Baburryan Mosque 23 Halal Bil Halal Directors and Employees of PT. Bank
Aceh
September
19 Peusijuk and release of the Pilgrim Family of Bank Aceh in Baburryan Mosque
October
07 Annual Work Meeting of PT. Bank Aceh, third quarter of 2012 in Medan
06 Buka Puasa Bersama - Santunan Anak Yatim dengan Bank Aceh di Mesjid Baburryan
23 Halal Bil Halal Direksi dan Karyawan/Karyawati PT. Bank Aceh
September
19 Peusijuk Pelepasan Jamaah Haji Keluarga Bank Aceh di Mesjid Baburryan
Oktober
07 Pelaksanaan Rapat Kerja PT. Bank Aceh Triwulan III Tahun 2012 di Medan
Peristiwa Penting 2012
Events Highlight 2012
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(40)
Laporan Dewan Komisaris
(1)
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
87
PT BANK ACEH
PT BANK ACEH
CATATAN ATAS LAPORAN KEUANGAN
NOTES TO FINANCIAL STATEMENTS
(Lanjutan)
(Continued)
31 Desember 2012 dan 2011
December 31, 2012 and 2011
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain)
(Expressed full amount in Rupiah, unless otherwise stated)
36. INFORMASI SEGMEN
36.
SEGMENT INFORMATION
Untuk tujuan manajemen, unit usaha Bank
dikelompokkan dalam 2 (dua) kegiatan yaitu: Unit
Usaha Konvensional dan Unit Usaha Syariah.
For managerial purposes, Bank’s businesses are
classified into two units, the Conventional business
unit and the Sharia business unit.
2012 Jumlah/
Total
Non-Syariah /Coventional
Syariah/ Sharia
Aset Assets
Kas 363.936.330.813 336.458.016.813 27.478.314.000 Cash Giro pada Bank Indonesia
1.106.753.756.277 999.216.951.826 107.536.804.451
Current accounts with Bank Indonesia
Giro Pada Bank Lain 5.678.165.231 5.357.154.485 321.010.746
Current Accounts with other Banks Penempatan pada Bank
Indonesia dan Bank lain 1.775.327.057.790 1.434.900.000.000 340.427.057.790
Placement with Bank Indonesia and other Bank Surat-surat Berharga 471.034.467.692 471.034.467.692 - Investment of securities Kredit yang diberikan 9.324.700.887.749 8.293.799.757.549 1.030.901.130.200 Loan Receivables Penyertaan Saham 328.600.000 328.600.000 - Investment in Share of Stocks Aset Tetap 169.950.047.333 167.322.628.848 2.627.418.485 Fixed assets Aset lain-lain 261.749.424.429 250.157.704.075 11.591.720.354 Other assets Aset pajak tangguhan 7.811.127.234 7.811.127.234 - Deferred tax assets Jumlah Aset 13.487.269.864.548 11.966.386.408.522 1.520.883.456.026 Total assets
Liabilitas Liabilities
Pinjaman yang diterima 16.638.162.702 16.638.162.702 - Borrowings Simpanan dari bank lain 632.208.332.202 313.708.332.202 318.500.000.000 Deposits from other Banks Simpanan nasabah 10.672.335.418.881 9.582.015.417.086 1.090.320.001.795 Deposits from customers Kewajiban segera 241.957.346.762 222.360.167.356 19.597.179.406 Current liabilities Hutang pajak 29.353.213.989 28.964.405.056 388.808.933 Tax payables Liabilitas lain-lain 175.419.902.145 172.198.880.546 3.221.021.599 Other Liabilities Jumlah Liabilitas 11.767.912.376.681 10.335.885.364.948 1.432.027.011.733 Total Liabilities
Pendapatan Segmen Segment Income Pendapatan Operasi 1.372.462.738.117 1.253.227.461.832 119.235.276.285 Operating Income Pendapatan Operasi lainnya 144.396.298.130 133.755.244.833 10.641.053.297 Other operating Income Pendapatan non operasi 588.666.753.768 464.940.516.239 123.726.237.529 Non operating Income Jumlah pendapatan segmen 2.105.525.790.015 1.851.923.222.904 253.602.567.111 Total segment Income
Beban Segmen Segment Expenses Beban operasi 364.045.858.957 332.375.037.599 31.670.821.358 Operating Expenses Beban operasi lainnya 732.198.262.813 690.886.125.406 41.312.137.407 Other operating Expenses Beban non operasi 532.563.435.143 401.265.851.668 131.297.583.475 Non operating Expenses Jumlah beban segmen 1.628.807.556.913 1.424.527.014.673 205.280.542.240 Total segment Expenses Beban pajak kini 125.640.942.000 125.640.942.000 - Current tax expenses Pendapatan pajak tangguhan (7.811.127.234 ) (7.811.127.234 ) Deffered income tax Laba bersih 353.777.473.086 305.455.448.215 -48.322.024.871 Net Income
Bank Aceh
-
Annual Report
2012
(2)
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
PT BANK ACEH
PT BANK ACEH
CATATAN ATAS LAPORAN KEUANGAN
NOTES TO FINANCIAL STATEMENTS
(Lanjutan)
(Continued)
31 Desember 2012 dan 2011
December 31, 2012 and 2011
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain)
(Expressed full amount in Rupiah, unless otherwise stated)
36. INFORMASI SEGMEN (Lanjutan)
36.
SEGMENT INFORMATION (Continued)
2011 Jumlah/
Total
Non-Syariah /Coventional
Syariah/ Sharia
Aset Assets
Kas 365.715.983.130 344.982.356.969 20.733.626.161 Cash
Giro pada Bank Indoneia 1.018.972.715.606 917.293.309.278 101.679.406.328
Current accounts with Bank Indonesia
Giro Pada Bank Lain 11.007.704.886 10.832.295.588 175.409.298
Current Accounts with other Banks Penempatan pada Bank
Indonesia dan Bank lain 1.855.242.000.000 1.635.400.000.000 219.842.000.000
Placement with Bank Indonesia and other Bank Surat-surat Berharga 474.534.307.692 474.534.307.692 - Investment of securities Kredit yang diberikan 8.947.460.299.688 7.988.653.071.125 958.807.228.563 Loan Receivables Penyertaan Saham 198.600.000 198.600.000 - Investment in Share of Stocks Aset Tetap 176.378.454.828 172.644.791.953 3.733.662.875 Fixed assets Aset lain-lain 205.887.591.784 195.778.128.101 10.109.463.683 Other assets Jumlah Aset 13.055.397.657.614 11.740.316.860.706 1.315.080.796.908 Total assets
Liabilitas Liabilities
Pinjaman yang diterima 21.002.600.224 21.002.600.224 - Borrowings Simpanan dari bank lain 477.344.642.404 477.344.642.404 - Deposits from other Banks Simpanan nasabah 10.061.835.273.450 9.143.867.800.959 917.967.472.491 Deposits Surat hutang diterbitkan 500.000.000.000 500.000.000.000 - Debt securities issued Kewajiban segera 305.404.117.810 301.137.334.600 4.266.783.210 Current liabilities Hutang pajak 32.992.415.109 32.738.204.234 254.210.875 Tax payables Liabilitas lain-lain 125.889.051.621 125.889.051.621 - Other Liabilities Jumlah Liabilitas 11.524.468.100.618 10.601.979.634.042 922.488.466.576 Total Liabilities
Pendapatan Segmen Segment Income Pendapatan Operasi 1.227.895.688.229 1.149.787.765.431 78.107.922.798 Operating Income Pendapatan Operasi lainnya 85.954.171.506 73.280.611.292 12.673.560.214 Other operating Income Pendapatan non operasi 49.434.844.371 - 49.434.844.371 Non operating Income Jumlah pendapatan segmen 1.363.284.704.106 1.223.068.376.723 140.216.327.383 Total segment Income
Beban Segmen Segment Expenses Beban operasi 355.581.563.189 355.322.316.527 259.246.662 Operating Expenses Beban operasi lainnya 655.580.380.621 613.827.537.852 41.752.842.769 Other operating Expenses Beban non operasi 549.791.526 - 549.791.526 Non operating Expenses Jumlah beban segmen 1.011.711.735.336 969.149.854.379 42.561.880.957 Total segment Expenses Beban pajak – bersih (91.390.535.500 ) (91.390.535.500 ) - Tax Expenses-net
Laba bersih 260.182.433.270 162.527.986.844 97.654.446.426 Net Income
Laporan T
ahunan
Bank Aceh
-
Annual Report
(3)
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
89
PT BANK ACEH
PT BANK ACEH
CATATAN ATAS LAPORAN KEUANGAN
NOTES TO FINANCIAL STATEMENTS
(Lanjutan)
(Continued)
31 Desember 2012 dan 2011
December 31, 2012 and 2011
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain)
(Expressed full amount in Rupiah, unless otherwise stated)
37.
KONTIJENSI PAJAK
37.
TAX CONTINGENCIES
Dalam Tahun 2012 dan 2011, Bank menerima
surat-surat ketetapan pajak kurang bayar (SKPKB) dari
Direktorat Jenderal Pajak untuk tahun pajak 2010, 2009
dan 2008 sebagai berikut:
In 2012 and 2011, the Bank received a tax
assesment letters from the Directorate General of
tax for the underpayment of 2010, 2009 and 2008
tax as follow:
Jenis Pajak/
Type of tax
Jumlah/
Total
Tahun Pajak 2010
PPh Pasal 23/
Income tax article 23
2.870.965.713
Pajak Pertambahan Nilai/
Value Added Tax
911.876.484
Surat Tagihan Pajak PPN /
Value Added Tax
133.484.682
Pajak PPh pasal 21/
Income tax article 21
5.574.921.259
Pajak PPh pasal 21 Final/
Income tax article 21 Final
1.414.829.071
PPh Pasal 4 (2)/
Income tax article 4 (2)
2.148.307.417
Pajak Pertambahan Nilai Pasal 16/
Value Added Tax
38.757.501
PPh Badan/
Coorporate income tax
42.042.114.804
55.135.256.931
Tahun Pajak 2009
PPh Pasal 23/
Income tax article 23
3.442.831
Pajak Pertambahan Nilai/
Value Added Tax
216.322.693
Surat Tagihan Pajak PPN /
Value Added Tax
90.134.455
PPh Pasal 4 (2)/
Income tax article 4 (2)
116.616.123
Pajak PPh pasal 21/
Income tax article 21
314.703.852
Surat Tagihan Pajak PPh Pasal 4 (2)/
Income tax article 4
(2)
5.215.940
PPh Badan/
Coorporate income tax
861.070.694
1.607.506.588
Tahun Pajak 2008
PPh Pasal 23/
Income tax article 23
3.350.925.690
PPh Pasal 4 (2)/
Income tax article 4 (2)
50.929.936.538
PPh Badan/
Coorporate income tax
45.745.773.887
100.026.636.115
Total
156.769.399.634
Atas surat-surat ketetapan pajak kurang bayar tersebut,
Bank telah mengirimkan surat keberatan kepada
Direktorat Jendral Pajak atas jumlah
Rp 156.769.399.634.
Upon the underpayment of those tax assessments
letter, Bank has submitted the objection letters in
the amount of Rp 156,769,399,634 .
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(4)
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
PT BANK ACEH
PT BANK ACEH
CATATAN ATAS LAPORAN KEUANGAN
NOTES TO FINANCIAL STATEMENTS
(Lanjutan)
(Continued)
31 Desember 2012 dan 2011
December 31, 2012 and 2011
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain)
(Expressed full amount in Rupiah, unless otherwise stated)
38.
PERISTIWA SETELAH TANGGAL NERACA
38.
SUBSEQUENT EVENTS
Berdasarkan Rapat Umum Pemegang Saham Luar
Biasa tanggal 11 Januari 2013 yang dibuat di hadapan
notaris Syukri Rahmat S.H, M.Kn telah diambil
keputusan – keputusan sebagai berikut :
Based on the Extraordinary General Meeting of
Shareholders dated January 11, 2013 of notary
Syukri Rahmat S.H, M.Kn, they were decided as
follows:
-
Memberhentikan dengan hormat tuan Islamuddin
dari jabatannya sebagai Direktur Utama pada Bank
-
Memberhentikan dengan hormat tuan Irfan Sofni
dari jabatannya sebagai Direktur Operasional pada
Bank
-
Memberhentikan dengan hormat tuan Tawakal
Alaihi dari jabatannya sebagai Direktur Kepatuhan
dan Sumber Daya Manusia pada Bank
-
Memberhentikan dengan hormat tuan Mirza Tabrani
dari jabatannya sebagai Komisaris Independen pada
Bank
-
Memberhentikan dengan hormat tuan Muhammad
Jamil dari jabatannya sebagai Komisaris Independen
pada Bank
-
Memberhentikan dengan hormat tuan Husaini Ismail
dari jabatannya sebagai Komisaris Independen pada
Bank
-
Mengangkat dan menetapkan tuan Zikri Abdul Gani
sebagai Pejabat Sementara Direktur Kepatuhan dan
Sumber Daya Manusia Bank
-
Mengangkat dan menetapkan tuan Aminullah Usman
sebagai Pejabat Sementara Komisaris Perseroan
-
Menunjuk Tuan Busra Abdullah sebagai Pejabat
Sementara (
Caretaker
) Direktur Utama Bank
-
Menunjuk Tuan Haizir Sulaiman sebagai Pejabat
Sementara (
Caretaker
) Direktur Operasional Bank
-
Pemberhentian dimulai sejak tanggal 11 Januari
2013 dan pengangkatan pejabat sementara Direksi
dan pejabat sementara Komisaris mulai berlaku pada
tanggal 11 Januari 2013 dan akan berakhir sampai
dengan ditetapkan susunan Direksi dan Komisaris
definitif secara lengkap sebagaimana mestinya.
-
Honorably discharged Mr. Islamuddin from his
position as President Director at Bank
-
Honorably discharged Mr. Irfan Sofni from his
position as Operational Director at Bank
-
Honorably discharged Mr. Tawakal Alaihi as
Compliance and Human Resources Director at
Bank
-
Honorably discharged Mr. Mirza Tabrani as
Independent Commissioner at Bank
-
Honorably discharged Mr. Muhammad Jamil as
Independent Commissioner at Bank
-
Honorably discharged Mr. Husaini Ismail as
Independent Commissioner at Bank
-
Appointed and assignment Mr. Zikri Abdul Gani
as caretaker of Compliance and Human Resources
Director at PT Bank Aceh
-
Appointed and assignment Mr. Aminullah as
caretaker of Commisioner at PT Bank Aceh
--
- Appointed Mr. Busra Abdullah as caretaker of
President Director Bank
-
Appointed Mr. Haizir Sulaiman as caretaker of
Operational Director Bank
-
Dismissal commenced from January 11, 2013 and
the appointment of caretaker of Directors and
Commissioner starting from January 11, 2013 and
valid until the definitive of Boards of Directors
and Commisioners have been defined.
Laporan T
ahunan
Bank Aceh
-
Annual Report
(5)
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
91
PT BANK ACEH
PT BANK ACEH
CATATAN ATAS LAPORAN KEUANGAN
NOTES TO FINANCIAL STATEMENTS
(Lanjutan)
(Continued)
31 Desember 2012 dan 2011
December 31, 2012 and 2011
(Disajikan dalam Rupiah penuh, kecuali dinyatakan lain)
(Expressed full amount in Rupiah, unless otherwise stated)
39.
PENERBITAN STANDAR AKUNTANSI BARU
39.
PRONOUNCEMENT OF NEW ACCOUNTING
STANDARD
Ikatan Akuntan Indonesia (IAI) telah menerbitkan
beberapa Pernyataan Standar Akuntansi Keuangan
(PSAK) dan interpretasi (ISAK) baru atau revisi.
Standar akuntansi tersebut akan berlaku efektif atau
diterapkan pada laporan keuangan Perusahaan periode
yang dimulai pada atau setelah 1 Januari 2013:
The Indonesian Institute of Accountants (“IIA”)
has issued new or revision of the following the
Indonesian of Financial Accounting Standards
(“PSAK”) and its interpretation (“ISAK”). The
accounting standards which will be effective or
applicable on the Bank financial statements
covering periods beginning on or after January 1,
2013:
PSAK No. 38 : Kombinasi bisnis entitas
sepengendali
ISAK No. 21 : Perjanjian Konstruksi Real Estate
PSAK No. 38 : Business Combination on
Entities Under Common Control
ISAK No. 21 : Agreements for the
Constructions of Real Estate
Manajemen Bank masih mempelajari dampak yang
mungkin timbul dari penerapan standar-standar
akuntansi dan interpretasi baru dan revisi ini terhadap
laporan keuangan.
The Bank’s management is currently evaluating
the possible impact on these new or revised
accounting standards and interpretations on its
financial statements.
40.
OTORISASI LAPORAN KEUANGAN
40.
AUTHORIZATION OF FINANCIAL
STATEMENTS
Direksi Bank bertanggung jawab atas penyusunan
laporan keuangan 31 Desember 2012 dan 2011
diselesaikan pada tanggal 8 Februari 2013 dan
16 Februari 2012.
The Bank’s directors are responsible for the
preparation of the financial statements December
31, 2012 and 2011 and completed on February 8,
2013 and February 16, 2012.
Laporan T
ahunan
Bank Aceh
-
Annual Report
2012
(6)
Laporan T
ahunan
Bank Aceh
-
Annual Report