AR Bank Saudara 2011
Growth and Quality
2011
Laporan Tahunan
Annual Report
Daftar Isi
Table of Contents
Pengantar / Preface
04.
Kata Pengantar Tematik / Thematic Preface
06.
Ikhtisar Data Keuangan Penting / Key Financial Highlights Data
10.
Peristiwa Penting / Events Highlight
20.
Penghargaan / Awards
22.
Laporan Komisaris Utama / Report of the President Commissioner
26.
Laporan Direktur Utama / Report of the President Director
32.
Tanggung Jawab Manajemen Atas Laporan Tahunan / Management’s Responsibility for Annual Report
Proil Perusahaan / Company Proile
34.
Visi & Misi / Vision & Mission
35.
Informasi Umum Perusahaan / Corporate General Information
36.
Riwayat Singkat Perusahaan / Corporate Brief History
40.
Perjalanan Perusahaan / The Company’s Milestone
43.
Usaha Perusahaan / Corporate Business
44.
Jaringan Kerja / Network
46.
Sumber Daya Manusia / Human Resources
48.
Komposisi Pemegang Saham / Shareholders Composition
52.
Kronologis Pencatatan Saham / Chronology of Shares Listing
54.
Profil Dewan Komisaris / Board of Commissioners Profiles
56.
Profil Dewan Direksi / Board of Directors Profiles
58.
Lembaga & Profesi Penunjang Pasar Modal / Supporting Institutions & Capital Market Professionals
60.
Profil Perusahaan Penyertaan / Investment Company Profile
Pembahasan Manajemen dan Analisis / Management Discussions and Analysis
64.
Ulasan Perekonomian Indonesia / Indonesia Economic Review
66.
Ulasan Bisnis / Business Overview
99.
Ulasan Kinerja Keuangan / Financial Performance Overview
121.
Ulasan Pendukung Bisnis / Business Support Review
128.
Ulasan Prospek & Rencana Bisnis 2012 / Economic and Business Prospect Review 2012
Tata Kelola Perusahaan / Good Corporate Governance
136.
Ulasan Tata Kelola Perusahaan / Good Corporate Governance Review
138.
Struktur Tata Kelola Perusahaan / Corporate Governance Structure
138.
2
Rapat Umum Pemegang Saham / General Meeting of Shareholders
Laporan Tahunan 2011
Growth and Quality
Table of Contents
143.
Dewan Komisaris / Board of Commissioners
147.
Direksi / Board of Directors
150.
Kebijakan Remunerasi dan Fasilitas Lain Bagi Dewan Komisaris dan Direksi / Remuneration Policy and
Other Facilities for Board of Commissioner and Board of Directors
151.
Komite-Komite Pelaksana Tugas Dewan Komisaris / Acting Committees of Board of Commissioners
152.
Komite Audit / Audit Committe
156.
Komite Remunerasi dan Nominasi / Remuneration and Nomination Committe
159.
Komite Pemantau Risiko / Risk Monitoring Committees
163.
Sekretaris Perusahaan / Corporate Secretary
163.
Tugas Sekretaris Perusahaan / Duties of the Corporate Secretary
164.
Profil Sekretaris Perusahaan / Corporate Secretary Profile
165.
Satuan Kerja Audit Internal / Audit Unit Task Force
169.
Satuan Kerja Manajemen Risiko / Risk Management Task Force
169.
Profil Risiko yang dihadapi Perseroan dan Upaya Pengendalian Risiko / The Risk Profile Faced by The
Company and The Efforts of Risk Control.
178.
Komitmen Perseroan Terhadap Perlindungan Konsumen / Company Commitment Against
Customer Protection
184.
Perkara Penting Yang Sedang Dihadapi Oleh Perusahaan, Direksi, dan Anggota Dewan Komisaris / Litigation Faced by
The Company, Directors, and Members of The Board of Commissioners
185.
Akses Informasi Dan Data Perusahaan / Corporate Data and Information Access
186.
Etika Perusahaan / Company Ethics
188.
Informasi Lainnya Yang Berkaitan Dengan Tata Kelola Perusahaan Yang Baik /
Other Information Relating to the Good Corporate Governance
188.
Pelaksanaan Fungsi Kepatuhan / Implementation of the Compliance Function
190.
Pelaksanaan Fungsi Audit Ekstern / Implementation of External Audit Function
191.
Penyediaan Dana Kepada Pihak Terkait (Related Party) Dan Penyediaan Dana Besar (Large Exposure) /
Provision of Funds to Related Parties (Related Party) and Large Provision Fund (Large Exposure)
Tanggung Jawab Sosial Perusahaan / Corporate Social Responsibility
195.
Program Kesehatan / Health Program
197.
Bantuan Kepada Penderita Tuberkulosis / Donation for Tuberculosis Patients
198.
Program Pendidikan / Education Program
199.
Pemberdayaan Masyarakat / Community Development
199.
Pelestarian Pelestarian Alam / Conservation Program
Data Korporasi / Corporate Data
202.
Struktur Organisasi / Organization Structure
204.
Jaringan Kantor / Office Network
207.
Kepala Divisi / Head of Division
210.
Pejabat Eksekutif / Excecutive Officers
212
Pemimpin Cabang / Head of Branch Offices
Laporan Keuangan / Financial Report
217.
Laporan Keuangan / Financial Report
Growth and Quality
Annual Report 2011
3
kaTa penGanTar
pertumbuhan yang Berkualitas
Growth and Quality
Mulai 2011 sampai 2013, Segenap insan di Bank
Starting from 2011 until 2013, each personnel in Bank
Saudara berfokus pada satu tujuan utama, yaitu “1
Saudara will be focusing on one goal , “1 Goal to Gain
Tujuan untuk Mencapai 2 Digit Triliun Aset dalam 3
2 Trillion Digit Assets in the Next 3 Years”. We call it
Tahun ke Depan”. Atau kami menyebutnya sebagai
as 123 Program, as the manifest of the Company’s
Program 123. Program ini merupakan perwujudan
desire to be a resilient medium-class bank in the
keinginan Perseroan untuk menjadi bank kelas
competition of Indonesian banking industry.
menengah yang tangguh di tengah persaingan
perbankan Indonesia.
Dengan bangga, kami ingin menyampaikan bahwa
We proudly announce that at the moment Bank
saat ini Bank Saudara telah berada tepat ditengah
Saudara is halfway to Reaching the 123 program goal
jalan untuk mencapai tujuan Program 123 dalam
and it was significantly achiveed within a year. The
waktu setahun. Aset Bank Saudara pada tahun 2011
bank assets in 2011 amounted to Rp 5.08 trillion. It
telah mencapai Rp 5,08 triliun. Peningkatan yang
growed 56.68% compared to 2010. The net income
terjadi sebesar 56, 68% dibandingkan tahun 2010.
of 2011 also increased to 50.22% from Rp 59.94
Laba
bersih yang dihasilkan pun ikut meningkat
billion in 2010 to Rp 90.04 billion in 2011. The loan
sebesar 50,22% dari Rp 59,94 miliar pada tahun
Portfolio grew 30.74% to Rp 3.34 trillions in 2011.
2010 menjadi Rp 90,04 miliar pada tahun 2011. Kredit
Accompanying the loan growth, The Bank’s loans
yang disalurkan tumbuh sebesar 30,74% menjadi
also performed well. The non-performing-loans gross
Rp 3,34 triliun pada tahun 2011. Pertumbuhan kredit
in 2011 stayed low at 1.65% compared to 5% Bank
tersebut disertai dengan kinerja kredit yang sangat
Indonesia’s maximum regulation allowed.
baik. Rasio kredit bermasalah atau non performing
loan gross pada tahun 2011 mencapai 1,65% dari
ketentuan maksimal Bank Indonesia sebesar 5%.
Dalam mengembangkan seluruh potensi Bank,
To improve our potential, Bank Saudara management
manajemen
pada
commited to Growth & Quality. The guidance is the
Growth & Quality. Pedoman tersebut merupakan
Bank
synthesis of Bank Saudara’s 105 years of experience
sintesa pengalaman Bank Saudara selama 105 tahun
in Indonesian financial and banking industry. In
bergerak dalam bisnis keuangan dan perbankan
our experience, growth without quality would be
di
Indonesia.
pertumbuhan
merupakan
Saudara
Sepanjang
tanpa
pekerjaan
berpedoman
pengalaman
disertai
yang
dengan
sia-sia.
kami,
meaningless work. Every growth that we have gained
kualitas
should be entailed with quality improvement in all
Setiap
banking aspects. Every strategic policy is always
pertumbuhan yang kami capai harus disertai
taking risk factors in to account. Eventually, every
peningkatan kualitas dalam segala aspek penting
business scale development will be a solid ground
di dalam perbankan. Setiap kebijakan strategis
for Bank Saudara to transform into a reliable modern
selalu mempertimbangkan setiap aspek risiko yang
bank that consistently gives additional value to its
dihadapi dengan matang. Pada akhirnya, setiap
customers and society.
peningkatan skala bisnis yang kami raih dapat
menjadi fondasi Bank Saudara untuk tumbuh menjadi
bank besar yang modern, terpercaya, dan selalu
memberikan nilai tambah bagi setiap nasabahnya
dan masyarakat.
4
Laporan Tahunan 2011
Growth and Quality
pengantar
Preface
kaTa penGanTar
Ikhtisar Data keuangan penting
key Financial Highlights
dalam miliar Rupiah, kecuali disebutkan lain
in billion rupiah, unless mentioned others
Keterangan
2011
2010
2009
2008
2007
Description
5,085.76
3,245.76
2,403.70
1,977.15
1,463.05
Pinjaman yang Diberikan
3,341.78
2,555.78
1,925.24
1,525.99
1,164.20
Pinjaman yang Diberikan-Bersih
Laporan Posisi Keuangan
Statements of Financial Position
Total Aset
Aset Produktif-Bersih
Total Asset
Net Productive Assets
Loans
3,311.92
2,507.41
1,896.72
1,498.74
1,145.70
Net Loans
Efek-efek
423.72
161.96
159.60
53.14
9.93
Marketable Securities
Efek yang Dibeli Dengan Janji untuk Dijual
Kembali
108.56
-
-
-
-
Securities Purchased Under Resale
Agreement
Penyertaan Saham
413
401
388
388
388
Investments in shares
Dana Pihak Ketiga
4,087.99
2,550.80
2,027.79
1,493.13
1,240.20
Third Party Funds
367,12
276.52
209.69
155.88
132.44
3,414.82
2,016.89
1,670.58
1172.91
953.63
Time Deposit
306.04
257.39
147.50
164.33
154.12
Demand Deposits
Simpanan
Deposito
Giro
Pinjaman yang Diterima
Saving
3.76
8.78
6.94
0.80
-
Borrowings
Pinjaman Subordinasi
245.09
-
-
-
-
Subordinated Loans
Modal Inti
387.02
365.72
229.23
181.00
162.81
Capital Equity
4,612.58
2,852.19
2,150.07
1,776.62
1283.23
Total Liabilities
473.17
393.57
253.62
200.53
179.81
Total Equity
Pendapatan Bunga
585.14
444.14
326.46
288.10
202.04
Pendapatan Bunga Bersih
320.23
262.93
176.80
174.80
137.10
Net Interest Income
32.22
21.22
13.01
8.03
4.53
Others Operating Income
4.63
22.62
5.58
13.03
12.44
Allowance for impairment losses
233.76
177.63
131.26
115.20
83.04
Other Operating Expenses
Total Kewajiban
Total Ekuitas
Laporan Laba-Rugi
Income Statements
Pendapatan Operasional Lainnya
Cadangan Kerugian Penurunan Nilai Atas Aset
Keuangan dan Non Keuangan
Beban Operasional Lainnya
Pendapatan (Beban) Non Operasional Lainnya
Interest Income
(1.5)
(2.30)
(1.04)
0.64
(0.45)
Non-Operating Income (Expenses) Net
121.80
81.60
51.12
55.30
45.69
Income before tax
Beban Pajak Penghasilan
31.76
21.66
15.47
17.64
14.08
Income Tax Expenses
Laba Bersih
90.04
59.94
35.65
37.66
31.60
Net income
38.88
26.47
23.73
25.11
21.07
Laba Sebelum Pajak
Laba Bersih per Saham
(dalam satuan Rupiah)
Data Saham
Earning per Share
(In actual Rupiah)
Shares Data
Jumlah Saham Beredar
Dividen per Saham
2.31
2.31
1.63
1.50
1.50.
Share Issued
-
Rp 9
Rp 6
Rp 5
Rp 10
Dividend Per Share
Permodalan
Equity
Rasio Kewajiban Penyediaan Modal Minimum :
Dengan Memperhitungkan Risiko Kredit
Capital Adequacy Ratio :
17.37%
23.00%
14.10%
Dengan Memperhitungkan Risiko Kredit dan
Operasional
14.77%
20.41%
-
Dengan Memperhitungkan Risiko Kredit,
Operasional, dan Pasar
13.38%
19.69%
13.76%
12.86%
15.06%
With Credit Risk Charge
-
-
With Credit and Operational
Risk Charge
-
-
With Credit, Operational and Market
Risk Charge
Aset Produktif
Earning Assets
Aset Produktif Bermasalah dan Aset Non
Produktif Bermasalah terhadap Total Aset
Produktif dan Aset non Produktif
1.49%
1.68%
1.25%
1.95%
1.06%
Non-Performing Earning Assets and NonEarning Assets on Total Earning Assets and
Non-Productive Asset
Aset Produktif Bermasalah Terhadap Total Aset
Produktif
1.43%
1.06%
1.14%
1.34%
1.44%
Non-Performing Earning Asset on Total
Productive Asset
Cadangan Kerugian Penurunan Nilai (CKPN)
Aset Keuangan Terhadap Aset Produktif
0.78%
1.70%
1.27%
-
-
Reserved Possible Loss of Value Decrease in
Financial Asset on Productive Asset
Non Perfoming Loan (NPL) Gross
1.65%
1.78%
1.29%
1.17%
1.18%
Gross Non-Performing Loan
6
Laporan Tahunan 2011
Growth and Quality
preFaCe
key Financial Highlights
dalam miliar Rupiah, kecuali disebutkan lain
in billion rupiah, unless mentioned others
Keterangan
2011
Non Performing Loan (NPL) Nett
1.08%
2010
2009
2008
0.84%
0.70%
2007
0.45%
Description
0.45%
Net Non-Performing Loan
Rentabilitas
Rentability
Return on Asset (ROA)
3.00%
2.78%
2.41%
3.00%
3.73%
Return on Asset (ROA)
Return on Equity (ROE)
23.36%
17.45%
17.62%
21.63%
20.25%
Return on Equity (ROE)
Biaya Operasional terhadap Pencapaian
Operasional (BOPO)
80.03%
79.30%
85.35%
82.42%
80.70%
Operating Expense on Operating
Achievement
9.93%
10.24%
7.19%
10.46%
12.37%
Net Interest Margin
81.70%
100.20%
94.94%
102.20%
93.87%
Loan to Deposit Ratio
1.46%
1.58%
1.12%
0.97%
1.06%
Non Performing Asset Ratio
Net Interest Margin
Likuiditas
Liquidity
Rasio Kredit terhadap Total Simpanan
Rasio Non Performing Assets
Kepatuhan
Compliance
Persentase Pelanggaran BMPK
Violation of LLL
Pihak Terkait
-
-
-
-
-
Related Party
Pihak Tidak Terkait
-
-
-
-
-
Non-Related Party
Pihak Terkait
-
-
-
-
-
Pihak Tidak Terkait
-
-
-
-
-
Persentase Pelampauan BMPK
Exceeding of LLL
Related Party
Non-Related Party
Giro Wajib Minimum
Reserve Requirement
GWM Utama Rupiah
8.21%
8.03%
5.04%
5.30%
5.10%
Reserve Requirement in Rupiah
10.40%
3.61%
8.82%
-
-
Reserve Requirement in Secondary
GWM Valuta Asing
9.90%
1.33%
4.08%
1.12%
-
Reserve Requirement in Foreign Currencies
Posisi Devisa Netto
11.47%
1.06%
5.52%
2.50%
-
Net Foreign Exchange
GWM Sekunder Rupiah
(dalam persentase)
(in percentage)
Lain-Lain
Others
Jumlah Karyawan*
Jumlah Kantor*
Jumlah ATM*
1480
1056
878
807
612
Total Number of Employee*
102
78
43
40
32
Total Number of Office*
42
34
34
27
24
Total Number of ATM*
*)satuan sebenarnya
*)in real number
100
4.000
400
80
3.000
300
60
Dalam miliar Rupiah
In billion Rupiah
2.000
1.000
500
250
0
‘07 ‘08 ‘09 ‘10 ‘11
200
100
50
0
‘07 ‘08 ‘09 ‘10 ‘11
90
59
35
Dalam miliar Rupiah
In billion Rupiah
500
Dalam miliar Rupiah
In billion Rupiah
5.000
37
31
473
393
253
200
179
5,085
3.245
Net Income
2.403
Laba Bersih
Total Equity
1.977
Total Ekuitas
Total Assets
1.463
Total Aset
40
20
10
0
‘07 ‘08 ‘09 ‘10 ‘11
Growth and Quality
Annual Report 2011
7
kaTa penGanTar
Ikhtisar Saham
Stock Highlights
Sepanjang tahun 2011 volume perdagangan saham Bank
Saudara di Bursa Efek Indonesia mencapai 2,381,027,655
lembar saham dengan nilai transaksi sebesar Rp
496,133,039,655. Harga tertinggi selama tahun 2011
adalah Rp 290,00 yang dicapai pada bulan Januari 2011.
Pada Desember 2011, harga saham tertinggi Rp 235,00
dan harga saham terendah sebesar Rp 191,00. Harga
penutupan pada 31 Desember 2011 adalah Rp 220,00.
Throughout 2011 the trading volume of Bank Saudara share
in Indonesia Stock Exchange reached 2,381,027,655 shares
with transaction value amounted to Rp 496,133,039,655.
The highest price throughout 2011 is Rp 290,00 gained in
January 2011. In December 2011 the highest share price
was Rp 235,00 and the lowest share price was Rp 191,00.
The closing price on December 31 2011 was Rp 220,00.
2010
Triwulan 1
Quarter 1
Triwulan 2
Quarter 2
2011
Triwulan 3
Quarter 3
Triwulan 4
Quarter 4
Triwulan 1
Quarter 1
Triwulan 2
Quarter 2
Triwulan 3
Quarter 3
Triwulan 4
Quarter 4
270
230
235
173
175
175
198
192
220
1,076,828,005
402,771,000
197,960,100
223,660,981,450
83,020,174,500
40,109,328,500
27,030
12,597
7,816
61
60
64
Harga Saham Tertinggi* / Highest Stock Price*
355
365
305
410
290
Harga Saham Terendah* / Lowest Stock Price*
210
235
265
275
164
Harga Saham Penutupan* / Closing Share Price*
290
275
275
290
205
Volume Transaksi / Transaction Volume
2,332,147,000
1,622,519,250
965,791,250
1,545,632,500
703,468,610
Nilai Transaksi* / Transaction Value*
694,614,285,000
485,812,784,000
284,513,150,000
524,089,089,500
149,342,555,205
Frekuensi / Frequency
49,768
41,812
20,333
32,264
23,246
Jumlah Hari Perdagangan / Number of Trading Days
61
62
60
*) dalam Rupiah sebenarnya / in actual Rupiah
8
Laporan Tahunan 2011
Growth and Quality
62
62
preFaCe
Ikhtisar Obligasi
Obligation Highlights
Obligasi Bank Saudara I tahun 2011 yang diterbitkan
telah mengalami oversubscribe hampir 3 (tiga) kali
hingga melebihi angka Rp 500 miliar, oleh karena itu nilai
emisinya dinaikkan dari Rp 200 miliar menjadi Rp 250 miliar.
Perseroan menaikkan obligasi karena investor menyambut
baik surat hutang tersebut sehingga permintaan meningkat.
Dalam rangka penawaran obligasi ini, Perseroan telah
memperoleh pemeringkatan dari Pefindo, yakni IdBBB+
dengan hasil posisi stabil.
Bank Saudara Bond I year 2011 issuance was
oversubscribed almost 3 times exceeding Rp 500 billion
therefore the emission value was increased to Rp 250
billion from Rp 200 billion. The Company had raised its
bonds value because it was welcomed by investors and
experienced increasing demand. In accordance of the
bonds issuance, the Company had been rated by Pefindo
IdBBB+ with stable outlook.
Obligasi ini diterbitkan tanpa warkat, kecuali Sertifikat
Jumbo Obligasi yang diterbitkan oleh Perseroan atas nama
PT Kustodian Sentral Efek Indonesia (“KSEI”), sebagai bukti
hutang kepada Pemegang Obligasi.
The bond was issued without letter, except Jumbo Bond
Certificate published by the Company on behalf of PT
Kustodian Sentral Efek Indonesia (“KSEI”), as proof of
liability to Bond Holder.
Obligasi ini ditawarkan dengan nilai 100% (seratus persen)
dari nilai Pokok Obligasi dan terdiri dari 2 (dua) seri :
The bond was offered with 100% of value from Bond
Principal Value and comprises of 2 (two) series:
•
Seri A : dengan nilai nominal Rp 75.000.000.000 (tujuh
puluh lima miliar Rupiah) tingkat bunga tetap sebesar
11,25 % per tahun jatuh tempo setiap tiga bulan, dan
dengan jangka dua tahun sampai 1 Desember 2013.
•
Series A : With nominal value of Rp 75.000.000.000
(seventy five billion Rupiah) fixed interest rate of 11,25
% per annum due on quarterly basis; and with a two
year term up to 1 December 2013.
•
Seri B : dengan nilai nominal Rp 175.000.000.000
(seratus tujuh puluh lima miliar Rupiah) tingkat bunga
tetap sebesar 11,75 % per tahun jatuh tempo setiap
tiga bulan, dan dengan jangka dua tahun sampai 1
Desember 2014.
•
Series B : With nominal value of Rp 175.000.000.000
(one hundred and seventy five billion Rupiah) fixed
interest rate of 11,75 % per annum due on quarterly
basis; and with a three year term up to 1 December
2014.
Growth and Quality
Annual Report 2011
9
kaTa penGanTar
peristiwa penting
events Highlight
Januari
January
22 Januari 2011
Kerjasama Pelaksanaan Program Tanggung Jawab
Sosial Perusahaan dengan Ikopin
Bank Saudara menjalin kerjasama pelaksanaan program
tanggung jawab sosial perusahaan dengan Institut
Manajemen Koperasi Indonesia (Ikopin). Penandatanganan
kerjasama itu dilakukan oleh Rektor Ikopin, Prof. Dr. H.
Rully Indrawan, M.Si, dan Madyantoro Purbo, Direktur Bank
Saudara.
January 22, 2011
Cooperation with Ikopin in the Implementation of
Corporate Social Responsibility Program
Bank Saudara cooperated with Indonesia Cooperation
Management Institute (Ikopin), in Corporate Social
Responsibility Program implementation. The agreement was
signed by the Rector of Ikopin Prof. Dr. H. Rully Indrawan,
M.Si and the Director of Bank Saudara, Madyantoro Purbo.
29 Januari 2011
Kick Off Meeting 2011
Kick Off Meeting 2011 bertajuk “Growth and Quality”
dan dilaksanakan di Ballroom Grand Royal Panghegar,
Bandung, Jawa Barat. Pertemuan ini diikuti oleh hampir
250 karyawan, termasuk Dewan Komisaris, Direksi, Kepala
Divisi, Pejabat Eksekutif, dan para Pemimpin Cabang.
January 29, 2011
Kick Off Meeting 2011
The 2011 Kick Off Meeting titled “Growth and Quality” held
at Ballroom of Grand Royal Panghegar, Bandung, West
Java. The meeting was attended by nearly 250 employees,
including Board of Commissioners, Board of Directors, Head
of Divisions, Senior Officer, and Head of Branch Offices.
Februari
February
1 Febuari 2011
Penarikan Undian “Program Sejuta Untung” Tahap VI dan
Grand Prize
Acara puncak Program Sejuta Untung dilaksanakan di
Bank Saudara Kantor Cabang Wastukancana. Hadiah
yang diundi berupa 2 hadiah utama dan 2 hadiah Tahap VI.
Penarikan Undian ini dilaksanakan pada hari pembayaran
gaji para pensiunan dan dimeriahkan pembagian door prize
dan live music dari band The Klakson.
10
Laporan Tahunan 2011
Growth and Quality
February 1, 2011
The Sixth Phrase of Lottery draw and the Grand Prize of
“Program Sejuta Untung”
The top event of Sejuta Untung program was held in Bank
Saudara Wastukancana Branch Office. The distributed
prizes were 2 grand prizes the sixth period drawing and
Grand Prize, which was held on the payment day of the
pensioners’ payroll. The event was enlivened by door prize
and live music by The Klakson band.
preFaCe
events Highlight
Maret
March
2 Maret 2011
Karyawan Bank Saudara Peduli Yogyakarta
Kantor Cabang Yogyakarta menyalurkan dana Peduli
Yogyakarta hasil sumbangan karyawan Bank Saudara
kepada para korban bencana Gunung Merapi di daerah
Plosokerep, Cangkringan, Kaliurang, dan Yogyakarta.
Bantuan senilai Rp 16 juta diberikan dalam bentuk karpet
bagi rumah-rumah hunian sementara.
March 2, 2011
Bank Saudara Employees Care for Yogyakarta
Yogyakarta Branch Office delivered Yogyakarta Care funds
as a donation from Bank Saudara employees to Mount
Merapi-victims in the Plosokerep, Cangkringan, Kaliurang
and Yogyakarta. Rp 16 million worth of aid was given in the
form of carpets for temporary residences.
16 Maret 2011
Rapat Umum Pemegang Saham Tahunan
Rapat Umum Pemegang Saham Tahunan (RUPST) Bank
Saudara kali ini diselenggarakan di Gedung The Energy
Lantai 28, SCBD, Jakarta. RUPST dihadiri oleh para
pemegang saham dan jajaran pengurus perusahaan.
Dalam kesempatan tersebut, para pemegang saham telah
menyetujui beberapa keputusan strategis RUPST.
March 16, 2011
General Meeting of Shareholders
The Bank Saudara’s Annual General Meeting of
Shareholders (AGMS) was held at The Energy Building 28th
floor, SCBD, Jakarta and was attended by Shareholders and
the Company’s management. In the event, the Shareholders
have approved several AGMS strategic decisions.
28 Maret 2011
Penghargaan “Productive Location Champion”
Bank Saudara meraih penghargaan kategori “Productive
Location Champion 2010” dari Western Union. Penghargaan
tersebut diterima oleh Madyantoro Purbo dalam acara
Western Union Agent Summit 2011 se-Asia Pacific di Beijing
pada tanggal 28 Maret 2011.
March 28, 2011
“Productive Location Champion” Award
Bank Saudara received the “2010 Productive Location
Champion” award from Western Union. Madyantoro Purbo
received the award during the Asia Pacific Western Union
Agent Summit 2011 in Beijing on March 28, 2011.
april
april
6 April 2011
Penyerahan Hadiah Utama “Program Sejuta Untung”
Bank Saudara menyerahkan hadiah utama “Program
Sejuta Untung” berupa 2 unit Mercedez-Benz A160 dan
3 unit motor Kawasaki Ninja 250 cc. Penyerahan hadiah
ini dilakukan dalam dua tahap. Tahap 1 dilakukan pada
6 April 2011 di Denpasar, Bali. Sedangkan, penyerahan
hadiah tahap 2 dilakukan di Lounge Personal Banking Bank
Saudara The Energy lantai 2, pada 15 April 2011.
April 6, 2011
“Program Sejuta Untung” Grand Prize Handover
Bank Saudara handed over 2 units of Mercedez-Benz A160
and 3 units of Kawasaki Ninja 250 cc motorcycle as the
grand prize of “Program Sejuta Untung”. The grand prize
hand over was conducted in two periods. The first period
was conducted on April 6, 2011 at Denpasar, Bali whereas
the second period was conducted on April 15, 2011, at the
Personal Banking Lounge of Bank Saudara at the 2nd floor
of The Energy building.
Growth and Quality
Annual Report 2011
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april
april
12
14 April 2011
Penandatanganan Nota Kesepahaman Bank Saudara–
PT Asabri (Persero)
Bank Saudara dan PT Asabri (Persero) menandatangani
Nota Kesepahaman pemberian dan penggunaan jasa
perbankan. Nota ini ditandatangani oleh Direktur Utama
PT Asabri (Persero), Adam R. Damiri, dan Direktur Utama
Bank Saudara, Farid Rahman. Kerjasama ini melingkupi
pembayaran pensiunan, santunan, dan pemanfaatan
teknologi informasi dan pemberian informasi melalui 79
kantor operasional atau jaringan layanan Bank Saudara di
53 kota se-Jawa-Bali.
April 14, 2011
Bank Saudara-PT Asabri (Persero) Memorandum of
Understanding (MoU) Signing
Bank Saudara and PT Asabri (Persero) signed the
Memorandum of Understanding (MoU) on provision
and use of banking service. The MoU was signed by the
President Director of PT Asabri (Persero) Adam R. Damiri
and the Presiden Director of Bank Saudara Farid Rahman.
The cooperation encompasses the payment of pensioners’
payroll, insurance, and Information Technology utilization as
well as information distribution through 79 Bank Saudara’s
operational offices or network services in 53 cities on JavaBali.
15 April 2011
Rapat Kerja Triwulan I
Pada 15 April 2011, Bank Saudara menggelar Rapat Kerja
Triwulan I di Ruang Rapat Bank Saudara Cabang Energy,
Gedung The Energy Lantai 7, Jakarta. Rapat kerja tersebut
dihadiri oleh seluruh jajaran Direksi, Kepala Divisi, Pejabat
Eksekutif, dan Pemimpin Cabang. Dalam rapat tersebut,
pengurus Bank Saudara mengevaluasi pencapaian kinerja
pada Triwulan I dan rencana bisnis perusahaan.
April 15, 2011
First Quarter Review Meeting
On April 15, 2011, Bank Saudara held the first Quarter
Review Meeting in the Energy branch meeting Room at The
Energy Building 7th floor, Jakarta and was attended by the
entire Directors, Head of Divisions, Executive Officials, and
Head of Branch Offices. In the meeting, the management
of Bank Saudara evaluated the first quarter performance
achievement and business plan.
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
21 April 2011
Penyerahan Bantuan Kepada UMKM di Sukabumi
Dalam rangka memperingati Hari Kartini, Bank Saudara
menyerahkan bantuan kepada UMKM distributor sembako
atas nama Ibu Fatimah Azahra senilai Rp 35 juta dan
Rp 600 juta kepada UMKM peternak sapi perah atas
nama Ibu Risdyanto Martynah. Kedua bantuan tersebut
diserahkan langsung oleh Pariaman Sinaga, Deputi Bidang
Pembiayaan Kementrian Koperasi dan UKM, pada saat
Bazar Usaha Kecil Menengah dan Peletakan Batu Pertama
Gedung Kemasan di Sukabumi.
April 21, 2011
Donation Handover for SMe in Sukabumi
To commemorate Kartini Day, Bank Saudara handed over
donation to a staple food distributor; a (SME) Small and
Meddle Enterprises on behalf of Mrs. Fatimah Azahra
amounted to Rp 35 million and Rp 600 million to a small and
middle sized enterprise of dairy farmers on behalf of Mrs.
Risdyanto Martynah. Both donations were directly handed
out by Pariaman Sinaga, the Deputy of Funding Division
of Ministry of Cooperation and SMe, during the Small and
Medium Enterprises Business Bazaar and the first stone
placement of Kemasan Building in Sukabumi.
21 April 2011
Bakti Sosial Bank Saudara
Dalam rangka HUT Bank Saudara ke-105, Bank Saudara
menggelar kegiatan sosial berupa Donor Darah serta
Pemeriksaan Kesehatan Gratis. Sesuai dengan tradisi,
kegiatan sosial ini dilaksanakan di berbagai lokasi Kantor
Cabang Bank Saudara. Sedangkan pelaksanaan di Kantor
Pusat Bank Saudara dilaksanakan pada 21 April 2011.
Dalam kegiatan ini, Bank Saudara bekerja sama dengan
PMI dan Yayasan Harapan Bangsa.
April 21, 2011
Bank Saudara Social Service
During its 105th Anniversary, Bank Saudara organised
social activities in the form of Blood Donor and Free Dental
Examination. In accordance with the tradition, the social
activities were held in various locations of Bank Saudara
branch offices, and the activities held at Bank Saudara
Head Office was on April 21, 2011. For the event, Bank
Saudara cooperated with Indonesian Red Cross (PMI) and
Yayasan Harapan Bangsa.
26 April 2011
Save The Earth
Bank Saudara ikut berpartisipasi dalam acara yang
bertajuk pelestarian lingkungan, “Save The Earth”, dan
diselenggarakan oleh PT. Medco E&P Indonesia. Dalam
acara tersebut, Bank Saudara memamerkan rencana
bangunan gedung Kantor Pusat Bank Saudara di Jl.
Diponegoro, Bandung, yang memiliki desain ramah
lingkungan.
April 26, 2011
Save The Earth
Bank Saudara participates in an environmental preservation
themed event titled “Save The Earth” held by PT. Medco
E&P Indonesia. For the event, Bank Saudara exhibits Bank
Saudara Head Office in Jl. Diponegoro, Bandung, which
has an environmental friendly design.
Growth and Quality
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peristiwa penting
Mei
May
23 Mei 2011
Peresmian Relokasi Kantor Cabang Ampera
Peresmian simbolis relokasi Bank Saudara Kantor Cabang
Ampera, yang sebelumnya terletak di Gedung Medco 2 ke
Gedung Medco 3. Pengguntingan pita tanda dibukanya
KC Ampera dilakukan oleh Direktur Utama Bank Saudara,
Madyantoro Purbo, dan pemotongan tumpeng dilakukan
oleh Komisaris Bank Saudara, Farid Rahman.
May 23, 2011
Symbolic Inauguration of Ampera Branch Office
Relocation
Symbolic Inauguration of Ampera Branch Office Relocation
which was previously located in Medco 2 Building to
Medco 3 Building. Ribbon-cutting marked the opening
by the Director of Bank Saudara, Madyantoro Purbo, and
traditional rice cone-cuts by the Commissioner of Banks
Saudara, Farid Rahman.
Juni
June
16 Juni 2011
Serah Terima Jabatan Pengurus
Farid Rahman, sebelumnya menjabat Direktur Utama
Bank Saudara meneruskan tampuk pimpinannya kepada
Madyantoro Purbo untuk periode 2011-2012. Selain Direktur
Utama, serah terima jabatan juga terjadi di tingkat-tingkat
organisasi lainnya.
June 16, 2011
Handover of Management Position
Farid Rahman, who previously acted as the President
Director of Bank Saudara, handed over his position
to Madyantoro Purbo for 2011-2012 periods. Besides
President Director position, position handover also occurred
in other organization levels.
Juni
June
14
22 Juli 2011
InfoBank Award 2011
Bank Saudara kembali menerima penghargaan InfoBank
Award 2011 dalam kategori “Bank yang Berpredikat Sangat
Bagus atas Kinerja Keuangan Tahun 2010” untuk yang ke-9
kalinya dan “Golden Trophy Award” untuk yang ke-4 kalinya.
Kedua penghargaan tersebut diterima oleh Madyantoro
Purbo, Direktur Utama Bank Saudara pada saat “Malam
Penganugerahan InfoBank Awards 2011” di Taman Wisata
Candi Prambanan, Yogyakarta.
July 22, 2011
InfoBank Award 2011
Once again Bank Saudara received InfoBank Award 2011
for “Bank entitled as Excellent on Financial Performance in
2010” category for the 9th time and “Golden Trophy Award”
for the 4th time. Both awards were received by Madyantoro
Purbo, President Director of Bank Saudara, during the
InfoBank Awards 2011 Bestowal Night” at Taman Wisata
Candi Prambanan, Yogyakarta.
21-22 Juli 2011
Rapat Kerja Semester I-2011
Rapat Kerja Semester I Bank Saudara tahun 2011
diselenggarakan di Hotel Melia Purosari, Yogyakarta. Rapat
ini dihadiri oleh seluruh jajaran manajemen Bank Saudara.
July 21-22, 2011
Semester I-2011 Review Meeting
Bank Saudara Semester I 2011 Review Meeting was held in
Melia Purosari Hotel, Yogyakarta and was attended by the
entire management of Bank Saudara.
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
28 Juli 2011
ABFI Awards: Best Performance Banking 2011
Bank Saudara menerima ABFI Banking Awards 2011 sebagai “Best Performance Banking 2011” untuk kategori Bank Swasta
Beraset Rp 1-5 Triliun di Merchantile Athletic Club-World Trade Center, Jakarta. Penghargaan ini diterima oleh Denny N.
Mahmuradi, Direktur Bisnis, sebagai wakil dari Bank Saudara.
July 28, 2011
ABFI Awards: Best Performance Banking 2011
Bank Saudara received ABFI Banking Awards 2011 as the “Best Performance Banking 2011” for Private Bank with asset worth of
Rp 1-5 trillion held in Merchantile Athletic Club, World Trade Center, Jakarta. The award was received by Denny N. Mahmuradi,
Business Director, as the representative of Bank Saudara.
agustus
august
1 Agustus 2011
Program Tali Kasih KUPEN
Program Tali Kasih KUPEN merupakan program rutin Bank
Saudara yang merupakan wujud kepedulian Bank Saudara
terhadap nasabah Kredit Pensiunan yang telah memberikan
kontribusinya. Program ini berlangsung dari 1 Agustus
sampai dengan 30 September 2011.
August 1, 2011
Tali Kasih KUPEN Program
Tali Kasih KUPEN Program is Bank Saudara’s routine
program as an affirmation of Bank Saudara’s concern
on Pensioners Credit, customers who have given their
contribution. The program was held from August 1 to
September 30, 2011.
8 Agustus 2011
GroundBreaking Pembangunan Kantor Pusat
Bank Saudara
Peresmian secara simbolis pembangunan gedung Kantor
Pusat Bank Saudara di Jl. Diponegoro No 28, Bandung.
Pembangunan tersebut ditandai oleh Peletakan Batu
Pertama dan Pemecahan Kendi pada Pengeruk Alat Berat
(Backhoe) yang dilakukan oleh Yani Rodyat, perwakilan
pemegang saham pengendali, didampingi oleh R. Maulana
Ibrahim, Komisaris Utama, dan Madyantoro Purbo, Direktur
Utama Bank Saudara.
August 8, 2011
Groundbreaking of Bank Saudara’s Head Office
A symbolical inauguration of Bank Saudara’s Head Office
construction in Jl. Diponegoro No.28, Bandung, was marked
by groundbreaking and breaking a jug on the Backhoe
by Yani Rodyat, as a representative from controlling
shareholders, accompanied by R. Maulana Ibrahim,
President Commissioner, and Madyantoro Purbo, President
Director of Bank Saudara.
Growth and Quality
Annual Report 2011
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September
September
1 September 2011
Wisuda Program Pengembangan Karyawan
Bank Saudara meluluskan 75 orang dari 125 peserta
Program Pengembangan Karyawan angkatan VIII. Acara
yang diselenggarakan di Apartemen Galeri Ciumbuleuit ini
bertujuan untuk menyiapkan kader-kader Bank Saudara di
masa depan.
September 1, 2011
Graduation of Employee Development Program
Bank Saudara graduated 75 persons from 125 participants
from the 8th batch of Employee Development Program. The
event was held at Galeri Ciumbuleuit Apartment aiming to
prepare future Bank Saudara successors.
Oktober
October
16
10 Oktober 2011
Grand Opening Rumah Saudara Leuwiliang
Rumah Saudara Leuwiliang siap dan telah resmi melayani
nasabah di Leuwiliang, Bogor, Jawa Barat. Peresmian
Rumah Saudara ini dihadiri oleh Medya Soeranto–Pemimpin
Cabang Bogor, Effi Firmansyah–Wakil Pemimpin Cabang
Bogor, Firman Indra Yunanto–Kepala Rumah Saudara
wilayah Bogor, dan para karyawan Bank Saudara.
October 10, 2011
Grand Opening of Rumah Saudara in Leuwiliang
Rumah Saudara Leuwiliang was ready and officially started
serving its customers in Leuwiliang, Bogor, West Java.
The inauguration of Rumah Saudara attended by Medya
Soeranto--Head of Bogor Branch Office, Effi Firmansyah—
Deputy Head of Bogor Branch Office, Firman Indra
Yunanto—Head of Rumah Saudara Bogor Branch and
employees of Bank Saudara.
12 Oktober 2011
Grand Opening Rumah Saudara Purwodadi
Rumah Saudara Purwodadi resmi dibuka dan siap melayani
nasabah di Kota Purwodadi dan sekitarnya. Rumah
Saudara terletak di Jl. S. Parman No. 13–14 ini diresmikan
oleh Pemimpin Cabang Semarang, Edwin Setiabudi.
October 12, 2011
Grand Opening of Rumah Saudara in Purwodadi
Rumah Saudara in Purwodadi was officially opened and
ready to serve its customer in Purwodadi and its surrounding.
Edwin Setiabudi as Head of Semarang Branch inaugurated
the Rumah Saudara, which located in Jl. S. Parman
No.13-14.
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
16 Oktober 2011
Maroon Bandung
Peluncuran Program Bank Saudara “Kilau Bintang
Rezeki Saudara” yang mengangkat tema “Go Retail! Go
Canvasing!”Acara ini berlangsung bertepatan dengan Car
Free Day Dago Bandung dan dihadiri oleh Dewan Komisaris,
Direksi, para Kepala Divisi, Pejabat Eksekutif, Pemimpin
Cabang WastuKancana, Pemimpin Cabang Surapati Core,
dan karyawan Bank Saudara di wilayah Bandung.
October 16, 2011
Maroon Bandung
The launching of Bank Saudara program titled “Kilau Bintang
Rezeki Saudara” with the theme “Go Retail! Go Canvasing!”
The event was held in conjunction with Car Free Day Dago
Bandung and was attended by Board of Commissioners,
Directors, Head of Division, Executive Officers, Head
of Wastukancana Branch Office, Head of Surapati Core
Branch Office and employees of Bank Saudara in Bandung.
24 Oktober 2011
Rapat Kerja Triwulan III Bank Saudara
Rapat Kerja (Raker) Triwulan III Bank Saudara digelar di
Hotel Aston Primera Pasteur, Bandung. Raker tersebut
dihadiri oleh Dewan Komisaris, Direksi, Kepala Divisi,
Pejabat Eksekutif, dan seluruh Pemimpin Cabang.
October 24, 2011
Bank Saudara Third Quarter Review Meeting
Bank Saudara Third Quarter Review Meeting was held
in Aston Primera Hotel, Pasteur, Bandung and attended
by Board of Commissioners, Directors, Head of Division,
Executive Officials and the entire Head of Branch Offices.
25 Oktober 2011
Topping Off Kantor Pusat Diponegoro Bandung
PT. Adhi Karya menyerahkan pekerjaan struktur Kantor
Pusat Diponegoro Bandung yang telah selesai kepada
Bank Saudara. Penyerahan pekerjaan ini ditandai dengan
penanaman paku emas seberat 1.906 gram oleh Madyantoro
Purbo, Direktur Utama Bank Saudara, di lantai 5.
October 25, 2011
Topping Off of Head Office Diponegoro Bandung
PT. Adhi Karya handed the finished project of Diponegoro
Bandung Head Office structure to Bank Saudara. The
project handover was marked by the implantation of 1,906
grams of golden nail on the 5th floor by Madyantoro Purbo,
President Director of Bank Saudara.
Growth and Quality
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november
november
2 November 2011
Penandatanganan Kerjasama kantor bayar Pensiun
Dapen Muhammadiyah
Bank Saudara, diwakili Hari Armansyah, dan Dapen
Muhammadiyah, diwakili Joyo Adikusumo, S.E, melakukan
penandatanganan perjanjian kerja sama kantor bayar
pensiun. Kegiatan ini dilakukan di Rumah Makan Bumbu
Desa, Yogyakarta.
November 2, 2011
Joint Cooperation Signing of Dapen Muhammadiyah
Pension Payment Office
Bank Saudara, represented by Harry Armansyah, and
Dapen Muhammadiyah, represented by Joyo Adikusumo,
S.E., signed the pension payment office cooperation
agreement, which was held in Bumbu Desa Restaurant,
Yogyakarta.
4 November 2011
Customer Gathering Kantor Cabang Cirebon
Kantor Cabang Bank Saudara Cirebon mengadakan malam
apresiasi nasabah dan ajang promosi program “Kilau
Bintang Rezeki Saudara” di Marina Resto Cirebon.
November 4, 2011
Customer Gathering in Cirebon Branch Office
Cirebon Branch Office of Bank Saudara held customer
appreciation night and promoting “Kilau Bintang Rezeki”
program at Marina Restaurant Cirebon.
17 November 2011
Grand Opening Kantor Cabang Purwokerto
Peresmian Kantor Cabang Bank Saudara Purwokerto, yang
terletak di Jalan Jenderal Gatot Subroto No. 78, Purwokerto–
Jawa Tengah, dilakukan oleh Bupati Banyumas, Bp.
Mardjoko , dan Pimpinan BI Purwokerto, Bp. Dudi Herawadi.
Sebelum acara tersebut Denny N. Mahmuradi melakukan
pengambilan sumpah jabatan Pemimpin dan Wakil
Pemimpin Cabang yang disaksikan oleh para undangan.
November 17, 2011
Grand Opening of Purwokerto Branch Office
The grand opening of Purwokerto Branch Office of Bank
Saudara, located in Jalan Jendral Gatot Subroto No.78,
Purwokerto–West Java, has been done by Regent of
Banyumas, Mardjoko, and Head of Bank Indonesia
Purwokerto, Dudi Herawadi. Before the event, Denny N.
Mahmuradi undertook the oath of office by Head and
Deputy of Branch Office witnessed by the invitees.
Desember
December
18
2 Desember 2011
Penerbitan Obligasi Bank Saudara I Tahun 2011
Dalam rangka mengembangkan pasar kredit di Indonesia,
Bank Saudara menerbitkan Obligasi Bank Saudara I
Tahun 2011 senilai Rp 250 miliar yang listing di Bursa Efek
Indonesia tanggal 2 Desember 2011.
December 2, 2011
Bank Saudara Bonds I Year 2011 Issuance
In order to develop the loan market in Indonesia, Bank
Saudara issued Bank Saudara Bond I 2011 worth Rp 250
billion, which was listed at Indonesia Stock Exchange dated
December 2, 2011.
5-6 Desember 2011
Pengobatan Gratis di PT TASPEN
Kegiatan sosial ini PT TASPEN Bandung bekerjasama
dengan Bank Saudara mengadakan pengobatan gratis
untuk nasabah PT TASPEN yang bertempat di PT. TASPEN
Bandung.
5-6 Desember 2011
Free Medication at PT TASPEN
PT TASPEN Bandung cooperates with Bank Saudara in
providing free medication for PT TASPEN customers held at
PT TASPEN Bandung
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
Desember
December
8 Desember 2011
Penghargaan Forbes Indonesia
Bank Saudara menerima Penghargaan Forbes Indonesia
sebagai Best Of The Best Awards 2011 The A List Top 40
Performing Small And Midsized Companies.
8 Desember 2011
Forbes Indonesia Award
Bank Saudara received Forbes Indonesia Award as the
Best Of The Best Awards 2011 The A List Top 40 Performing
Small And Midsized Companies.
9 Desember 2011
Grand Opening Kantor Cabang Solo
Kantor Cabang Bank Saudara Solo diresmikan oleh
Bp. Arifin Panigoro. Bersamaan dengan pembukaan kantor
cabang tersebut, Bank Saudara juga turut menyumbangkan
200 Pohon Oiliana untuk berperan serta dalam penghijauan
Kota Solo yang telah menjadi agenda Pemerintah Daerah
setempat.
December 9, 2011
Opening of Branch Office Solo
Bank Saudara’s Solo Branch Office is Inaugurated by Arifin
Panigoro. Along with the opening of the branch offices
Bank Saudara, the Bank also donated 200 Oiliana tree to
participate in the greening of the city of Solo which has
become an agenda by Local Government.
11 Desember 2011
Grand Opening Kantor Cabang Malang
Untuk memperluas pangsa pasar dan menggali potensi
nasabah di Kota Malang, Bank Saudara membuka Kantor
Cabang di Malang. Pembukaan kantor cabang tersebut
diresmikan oleh Walikota Malang, Bp. Peni Suparto, dan
Pemimpin Bank Indonesia Malang, Bp. Toto Hermiyanto,
serta disaksikan jajaran Muspida Malang, Bp Arifin Panigoro,
Ibu Raisis Panigoro, Ibu Widyawati, Ibu Yani Panigoro, Bp.
R. Maulana Ibrahim, dan Bp. Madyantoro Purbo.
December 11, 2011
The Opening of Malang Branch Office
To expand the market share and explore customer potential
in Malang, Bank Saudara opened Malang Branch Office,
officially was opened by the Mayor of Malang, Peni Suparto,
and Head of Bank Indonesia Malang, Toto Hermiyanto.
The ceremony was also attend by Muspida Malang, Arifin
Panigoro, Raisis Panigoro, Widyawati, Yani Panigoro, R.
Maulana Ibrahim, dan Madyantoro Purbo.
Growth and Quality
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penghargaan
awards
ABFI Award
•
Best Performance Banking 2011, kategori Bank Swasta
Beraset 1 s/d 5 triliun dalam ABFI Award
Western Union Award
•
Western Union Award 2011: Productive Location
Champion 2011
Forbes Magazine
•
•
•
Best of The Best Awards 2010, Kategori Bank Berskala
Menengah Kecil bersama 200 perusahaan di Asia
Pasifik, Forbes Magazine.
Best of The Best Awards dari 40 Perusahaan Berskala
Menengah Kecil
Museum Rekor Indonesia (MURI)
•
•
20
Lembaga Keuangan Swasta Tertua, Museum Rekor
Indonesia
Penyelenggara Rapat Umum Pemegang Saham
(RUPS) Yang Dihadiri oleh Pemegang Saham Dengan
Jumlah Peserta Terbanyak, MURI
Laporan Tahunan 2011
Growth and Quality
ABFI Award
Best Performance Banking 2011, for the category of Private
Bank with assets worth of Rp 1-5 trillion
Western Union Award
•
Western Union Award 2011: Productive Location
Champion 2011
Forbes Magazine
•
The Best Company Award 2010, for Small–Medium
Scale Company in Asia Pacific from Forbes Magazine
•
Best of The Best Awards 2011 The A List Top 40
Performing Small and Midsized Companies
Museum Rekor Indonesia (MURI)
•
•
The Oldest Private Financial Institution from Indonesia
Record Museum
The Organizer of General Meeting of Shareholders
(GMS) that attended by the Largest Number of
Participants, from MURI Record Musium
preFaCe
awards
Golden Trophy Award
•
•
•
•
Golden Trophy Award 2011, dengan Predikat
Bagus 5 Tahun: 2006–2010, Majalah InfoBank
Golden Trophy Award 2010, dengan Predikat
Bagus 5 Tahun: 2005–2009, Majalah InfoBank
Golden Trophy Award 2008, dengan Predikat
Bagus 5 Tahun: 2003–2007, Majalah InfoBank
Golden Trophy Award 2007, dengan Predikat
Bagus 5 Tahun: 2002–2006,
Sangat
•
Sangat
•
Sangat
•
Sangat
•
Majalah InfoBank InfoBank Award
•
•
•
•
•
•
•
•
•
Golden Trophy Award
InfoBank Awards 2011, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2010
InfoBank Awards 2010, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2009
InfoBank Awards 2009, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2008
InfoBank Awards 2008, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2007
InfoBank Awards 2007, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2006
InfoBank Awards 2006, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2005
InfoBank Awards 2005, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2004
InfoBank Awards 2004, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2003
InfoBank Awards 2003, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2002
Golden Trophy Award 2011, entitled as Excellent
years: 2006-2010.from InfoBank Magazine
Golden Trophy Award 2010, entitled as Excellent
years: 2005-2009 from InfoBank Magazine
Golden Trophy Award 2008, entitled as Excellent
years: 2003-2007, from InfoBank Magazine
Golden Trophy Award 2007, entitled as Excellent
years: 2002-2006, from InfoBank Magazine
in 5
in 5
in 5
in 5
•
InfoBank Award
•
•
•
•
•
•
•
•
•
InfoBank Award 2011, entitled as Excellent in 2010 on
the Financial Performance Assessment 2010
InfoBank Awards 2010, entitled as Excellent in 2011 on
the Financial Performance Assessment in 2009
InfoBank Awards 2009, entitled as Excellent 2011 on
the Financial Performance Assessment 2008
InfoBank Awards 2008 entitled as Excellent 2011 on
the Financial Performance Assessment 2007
InfoBank Awards 2007 entitled as Excellent 2011 on
the Financial Performance Assessment 2006
InfoBank Awards 2006 entitled as Excellent 2011 on
the Financial Performance Assessment 2005
InfoBank Awards 2005 entitled as Excellent 2011 on
the Financial Performance Assessment 2004
InfoBank Awards 2004 entitled as Excellent 2011 on
the Financial Performance Assessment 2003
InfoBank Awards 2003 entitled as Excellent 2011 on
the Financial Performance Assessment 2002
Growth and Quality
Annual Report 2011
21
kaTa penGanTar
Laporan komisaris Utama
report of the president Commissioner
PERKEMBANGAN INDUSTRI
PERBANKAN CUKUP BAIK YANG
DITANDAI DENGAN TINGGINYA
RASIO KECUKUPAN MODAL (CAR)
PADA LEVEL 18% DAN RASIO
KREDIT BERMASALAH (NPL)
DIBAWAH 5%. INTERMEDIASI
PERBANKAN JUGA SEMAKIN
MEMBAIK, KELANCARAN DAN
PERTUMBUHAN KREDIT
YANG TERUS MENINGKAT
MENCAPAI 25 % (YEAR ON
YEAR)
The development in banking
industry is quite good
marked with the high level
of Capital Adequacy Ratio
maintained at 18% and
Non-Performing Loan below
5%. Banking intermediacy
is improving with the credit
flow and growth, which
increased to 25% (year on
year).
R. MAULANA IBRAHIM, MA
komisaris Utama
President Commissioner
Perekonomian dunia dalam dua tahun terakhir
In the past two years, the global economy has been
dinilai
cukup
in a quite alarming situation. European countries
mengkhawatirkan. Negara – negara Eropa, yang
which were considered to have a strong economic
selama ini dianggap memiliki ketahanan ekonomi
sustainability, apparently have not been able to
yang cukup kuat, masih belum bisa menyelesaikan
overcome the economic condition in several countries
kondisi ekonomi di beberapa negara anggota zone
in the euro currency zone especially Greece. Even the
mata uang Euro terutama di Yunani. Amerika Serikat
United States of America, which also considered as
yang juga dianggap sebagai salah satu negara
one of the countries that drives the global economy,
pendorong perekonomian dunia, masih juga belum
still has not settled their budget and international
bisa menyelesaikan defisit anggaran belanjanya
trade deficit, for example, with China.
dan
dalam
berbagai
perdagangan
gejolak
yang
internasionalnya,
contohnya
perdagangan dengan China.
22
Laporan Tahunan 2011
Growth and Quality
preFaCe
report of the president Commissioner
Namun berbagai krisis di Eropa dan Amerika Serikat
However, the crisis in Europe and the United States
masih belum mempunyai efek menular kepada
of America have not given any contagious effect to
negara – negara Asia. Perekonomian negara – negara
Asian countries. Asian countries’ economy grew quite
Asia terus tumbuh cukup kuat, misalnya di India
strong, for instance in India, China and Indonesia,
dan China. Indonesia, walaupun juga perdagangan
although there were some pressure on their foreign
luar negerinya mengalami tekanan, tetapi karena
trading but due to the fact that their economic growth is
pertumbuhan
faktor
supported by domestic factor, they still experienceda
konsumen domestik terus menjalani pertumbuhan
good growth. In 2011 the economic growth reached
yang cukup baik pada tahun 2011. Pertumbuhan
6.5% compared to 6.1% in 2010 whereas the stability
ekonomi mencapai 6.5% dibandingkan dengan
reflected on the inflation level that tend to decrease to
6.1% per tahun 2010. Tingkat inflasi menunjukan
3,79% (year on year).
ekonomi
didukung
oleh
kecenderungan yang menurun menjadi 3,79% (year
on year).
Perkembangan industri perbankan cukup baik yang
The development in banking
2011
Laporan Tahunan
Annual Report
Daftar Isi
Table of Contents
Pengantar / Preface
04.
Kata Pengantar Tematik / Thematic Preface
06.
Ikhtisar Data Keuangan Penting / Key Financial Highlights Data
10.
Peristiwa Penting / Events Highlight
20.
Penghargaan / Awards
22.
Laporan Komisaris Utama / Report of the President Commissioner
26.
Laporan Direktur Utama / Report of the President Director
32.
Tanggung Jawab Manajemen Atas Laporan Tahunan / Management’s Responsibility for Annual Report
Proil Perusahaan / Company Proile
34.
Visi & Misi / Vision & Mission
35.
Informasi Umum Perusahaan / Corporate General Information
36.
Riwayat Singkat Perusahaan / Corporate Brief History
40.
Perjalanan Perusahaan / The Company’s Milestone
43.
Usaha Perusahaan / Corporate Business
44.
Jaringan Kerja / Network
46.
Sumber Daya Manusia / Human Resources
48.
Komposisi Pemegang Saham / Shareholders Composition
52.
Kronologis Pencatatan Saham / Chronology of Shares Listing
54.
Profil Dewan Komisaris / Board of Commissioners Profiles
56.
Profil Dewan Direksi / Board of Directors Profiles
58.
Lembaga & Profesi Penunjang Pasar Modal / Supporting Institutions & Capital Market Professionals
60.
Profil Perusahaan Penyertaan / Investment Company Profile
Pembahasan Manajemen dan Analisis / Management Discussions and Analysis
64.
Ulasan Perekonomian Indonesia / Indonesia Economic Review
66.
Ulasan Bisnis / Business Overview
99.
Ulasan Kinerja Keuangan / Financial Performance Overview
121.
Ulasan Pendukung Bisnis / Business Support Review
128.
Ulasan Prospek & Rencana Bisnis 2012 / Economic and Business Prospect Review 2012
Tata Kelola Perusahaan / Good Corporate Governance
136.
Ulasan Tata Kelola Perusahaan / Good Corporate Governance Review
138.
Struktur Tata Kelola Perusahaan / Corporate Governance Structure
138.
2
Rapat Umum Pemegang Saham / General Meeting of Shareholders
Laporan Tahunan 2011
Growth and Quality
Table of Contents
143.
Dewan Komisaris / Board of Commissioners
147.
Direksi / Board of Directors
150.
Kebijakan Remunerasi dan Fasilitas Lain Bagi Dewan Komisaris dan Direksi / Remuneration Policy and
Other Facilities for Board of Commissioner and Board of Directors
151.
Komite-Komite Pelaksana Tugas Dewan Komisaris / Acting Committees of Board of Commissioners
152.
Komite Audit / Audit Committe
156.
Komite Remunerasi dan Nominasi / Remuneration and Nomination Committe
159.
Komite Pemantau Risiko / Risk Monitoring Committees
163.
Sekretaris Perusahaan / Corporate Secretary
163.
Tugas Sekretaris Perusahaan / Duties of the Corporate Secretary
164.
Profil Sekretaris Perusahaan / Corporate Secretary Profile
165.
Satuan Kerja Audit Internal / Audit Unit Task Force
169.
Satuan Kerja Manajemen Risiko / Risk Management Task Force
169.
Profil Risiko yang dihadapi Perseroan dan Upaya Pengendalian Risiko / The Risk Profile Faced by The
Company and The Efforts of Risk Control.
178.
Komitmen Perseroan Terhadap Perlindungan Konsumen / Company Commitment Against
Customer Protection
184.
Perkara Penting Yang Sedang Dihadapi Oleh Perusahaan, Direksi, dan Anggota Dewan Komisaris / Litigation Faced by
The Company, Directors, and Members of The Board of Commissioners
185.
Akses Informasi Dan Data Perusahaan / Corporate Data and Information Access
186.
Etika Perusahaan / Company Ethics
188.
Informasi Lainnya Yang Berkaitan Dengan Tata Kelola Perusahaan Yang Baik /
Other Information Relating to the Good Corporate Governance
188.
Pelaksanaan Fungsi Kepatuhan / Implementation of the Compliance Function
190.
Pelaksanaan Fungsi Audit Ekstern / Implementation of External Audit Function
191.
Penyediaan Dana Kepada Pihak Terkait (Related Party) Dan Penyediaan Dana Besar (Large Exposure) /
Provision of Funds to Related Parties (Related Party) and Large Provision Fund (Large Exposure)
Tanggung Jawab Sosial Perusahaan / Corporate Social Responsibility
195.
Program Kesehatan / Health Program
197.
Bantuan Kepada Penderita Tuberkulosis / Donation for Tuberculosis Patients
198.
Program Pendidikan / Education Program
199.
Pemberdayaan Masyarakat / Community Development
199.
Pelestarian Pelestarian Alam / Conservation Program
Data Korporasi / Corporate Data
202.
Struktur Organisasi / Organization Structure
204.
Jaringan Kantor / Office Network
207.
Kepala Divisi / Head of Division
210.
Pejabat Eksekutif / Excecutive Officers
212
Pemimpin Cabang / Head of Branch Offices
Laporan Keuangan / Financial Report
217.
Laporan Keuangan / Financial Report
Growth and Quality
Annual Report 2011
3
kaTa penGanTar
pertumbuhan yang Berkualitas
Growth and Quality
Mulai 2011 sampai 2013, Segenap insan di Bank
Starting from 2011 until 2013, each personnel in Bank
Saudara berfokus pada satu tujuan utama, yaitu “1
Saudara will be focusing on one goal , “1 Goal to Gain
Tujuan untuk Mencapai 2 Digit Triliun Aset dalam 3
2 Trillion Digit Assets in the Next 3 Years”. We call it
Tahun ke Depan”. Atau kami menyebutnya sebagai
as 123 Program, as the manifest of the Company’s
Program 123. Program ini merupakan perwujudan
desire to be a resilient medium-class bank in the
keinginan Perseroan untuk menjadi bank kelas
competition of Indonesian banking industry.
menengah yang tangguh di tengah persaingan
perbankan Indonesia.
Dengan bangga, kami ingin menyampaikan bahwa
We proudly announce that at the moment Bank
saat ini Bank Saudara telah berada tepat ditengah
Saudara is halfway to Reaching the 123 program goal
jalan untuk mencapai tujuan Program 123 dalam
and it was significantly achiveed within a year. The
waktu setahun. Aset Bank Saudara pada tahun 2011
bank assets in 2011 amounted to Rp 5.08 trillion. It
telah mencapai Rp 5,08 triliun. Peningkatan yang
growed 56.68% compared to 2010. The net income
terjadi sebesar 56, 68% dibandingkan tahun 2010.
of 2011 also increased to 50.22% from Rp 59.94
Laba
bersih yang dihasilkan pun ikut meningkat
billion in 2010 to Rp 90.04 billion in 2011. The loan
sebesar 50,22% dari Rp 59,94 miliar pada tahun
Portfolio grew 30.74% to Rp 3.34 trillions in 2011.
2010 menjadi Rp 90,04 miliar pada tahun 2011. Kredit
Accompanying the loan growth, The Bank’s loans
yang disalurkan tumbuh sebesar 30,74% menjadi
also performed well. The non-performing-loans gross
Rp 3,34 triliun pada tahun 2011. Pertumbuhan kredit
in 2011 stayed low at 1.65% compared to 5% Bank
tersebut disertai dengan kinerja kredit yang sangat
Indonesia’s maximum regulation allowed.
baik. Rasio kredit bermasalah atau non performing
loan gross pada tahun 2011 mencapai 1,65% dari
ketentuan maksimal Bank Indonesia sebesar 5%.
Dalam mengembangkan seluruh potensi Bank,
To improve our potential, Bank Saudara management
manajemen
pada
commited to Growth & Quality. The guidance is the
Growth & Quality. Pedoman tersebut merupakan
Bank
synthesis of Bank Saudara’s 105 years of experience
sintesa pengalaman Bank Saudara selama 105 tahun
in Indonesian financial and banking industry. In
bergerak dalam bisnis keuangan dan perbankan
our experience, growth without quality would be
di
Indonesia.
pertumbuhan
merupakan
Saudara
Sepanjang
tanpa
pekerjaan
berpedoman
pengalaman
disertai
yang
dengan
sia-sia.
kami,
meaningless work. Every growth that we have gained
kualitas
should be entailed with quality improvement in all
Setiap
banking aspects. Every strategic policy is always
pertumbuhan yang kami capai harus disertai
taking risk factors in to account. Eventually, every
peningkatan kualitas dalam segala aspek penting
business scale development will be a solid ground
di dalam perbankan. Setiap kebijakan strategis
for Bank Saudara to transform into a reliable modern
selalu mempertimbangkan setiap aspek risiko yang
bank that consistently gives additional value to its
dihadapi dengan matang. Pada akhirnya, setiap
customers and society.
peningkatan skala bisnis yang kami raih dapat
menjadi fondasi Bank Saudara untuk tumbuh menjadi
bank besar yang modern, terpercaya, dan selalu
memberikan nilai tambah bagi setiap nasabahnya
dan masyarakat.
4
Laporan Tahunan 2011
Growth and Quality
pengantar
Preface
kaTa penGanTar
Ikhtisar Data keuangan penting
key Financial Highlights
dalam miliar Rupiah, kecuali disebutkan lain
in billion rupiah, unless mentioned others
Keterangan
2011
2010
2009
2008
2007
Description
5,085.76
3,245.76
2,403.70
1,977.15
1,463.05
Pinjaman yang Diberikan
3,341.78
2,555.78
1,925.24
1,525.99
1,164.20
Pinjaman yang Diberikan-Bersih
Laporan Posisi Keuangan
Statements of Financial Position
Total Aset
Aset Produktif-Bersih
Total Asset
Net Productive Assets
Loans
3,311.92
2,507.41
1,896.72
1,498.74
1,145.70
Net Loans
Efek-efek
423.72
161.96
159.60
53.14
9.93
Marketable Securities
Efek yang Dibeli Dengan Janji untuk Dijual
Kembali
108.56
-
-
-
-
Securities Purchased Under Resale
Agreement
Penyertaan Saham
413
401
388
388
388
Investments in shares
Dana Pihak Ketiga
4,087.99
2,550.80
2,027.79
1,493.13
1,240.20
Third Party Funds
367,12
276.52
209.69
155.88
132.44
3,414.82
2,016.89
1,670.58
1172.91
953.63
Time Deposit
306.04
257.39
147.50
164.33
154.12
Demand Deposits
Simpanan
Deposito
Giro
Pinjaman yang Diterima
Saving
3.76
8.78
6.94
0.80
-
Borrowings
Pinjaman Subordinasi
245.09
-
-
-
-
Subordinated Loans
Modal Inti
387.02
365.72
229.23
181.00
162.81
Capital Equity
4,612.58
2,852.19
2,150.07
1,776.62
1283.23
Total Liabilities
473.17
393.57
253.62
200.53
179.81
Total Equity
Pendapatan Bunga
585.14
444.14
326.46
288.10
202.04
Pendapatan Bunga Bersih
320.23
262.93
176.80
174.80
137.10
Net Interest Income
32.22
21.22
13.01
8.03
4.53
Others Operating Income
4.63
22.62
5.58
13.03
12.44
Allowance for impairment losses
233.76
177.63
131.26
115.20
83.04
Other Operating Expenses
Total Kewajiban
Total Ekuitas
Laporan Laba-Rugi
Income Statements
Pendapatan Operasional Lainnya
Cadangan Kerugian Penurunan Nilai Atas Aset
Keuangan dan Non Keuangan
Beban Operasional Lainnya
Pendapatan (Beban) Non Operasional Lainnya
Interest Income
(1.5)
(2.30)
(1.04)
0.64
(0.45)
Non-Operating Income (Expenses) Net
121.80
81.60
51.12
55.30
45.69
Income before tax
Beban Pajak Penghasilan
31.76
21.66
15.47
17.64
14.08
Income Tax Expenses
Laba Bersih
90.04
59.94
35.65
37.66
31.60
Net income
38.88
26.47
23.73
25.11
21.07
Laba Sebelum Pajak
Laba Bersih per Saham
(dalam satuan Rupiah)
Data Saham
Earning per Share
(In actual Rupiah)
Shares Data
Jumlah Saham Beredar
Dividen per Saham
2.31
2.31
1.63
1.50
1.50.
Share Issued
-
Rp 9
Rp 6
Rp 5
Rp 10
Dividend Per Share
Permodalan
Equity
Rasio Kewajiban Penyediaan Modal Minimum :
Dengan Memperhitungkan Risiko Kredit
Capital Adequacy Ratio :
17.37%
23.00%
14.10%
Dengan Memperhitungkan Risiko Kredit dan
Operasional
14.77%
20.41%
-
Dengan Memperhitungkan Risiko Kredit,
Operasional, dan Pasar
13.38%
19.69%
13.76%
12.86%
15.06%
With Credit Risk Charge
-
-
With Credit and Operational
Risk Charge
-
-
With Credit, Operational and Market
Risk Charge
Aset Produktif
Earning Assets
Aset Produktif Bermasalah dan Aset Non
Produktif Bermasalah terhadap Total Aset
Produktif dan Aset non Produktif
1.49%
1.68%
1.25%
1.95%
1.06%
Non-Performing Earning Assets and NonEarning Assets on Total Earning Assets and
Non-Productive Asset
Aset Produktif Bermasalah Terhadap Total Aset
Produktif
1.43%
1.06%
1.14%
1.34%
1.44%
Non-Performing Earning Asset on Total
Productive Asset
Cadangan Kerugian Penurunan Nilai (CKPN)
Aset Keuangan Terhadap Aset Produktif
0.78%
1.70%
1.27%
-
-
Reserved Possible Loss of Value Decrease in
Financial Asset on Productive Asset
Non Perfoming Loan (NPL) Gross
1.65%
1.78%
1.29%
1.17%
1.18%
Gross Non-Performing Loan
6
Laporan Tahunan 2011
Growth and Quality
preFaCe
key Financial Highlights
dalam miliar Rupiah, kecuali disebutkan lain
in billion rupiah, unless mentioned others
Keterangan
2011
Non Performing Loan (NPL) Nett
1.08%
2010
2009
2008
0.84%
0.70%
2007
0.45%
Description
0.45%
Net Non-Performing Loan
Rentabilitas
Rentability
Return on Asset (ROA)
3.00%
2.78%
2.41%
3.00%
3.73%
Return on Asset (ROA)
Return on Equity (ROE)
23.36%
17.45%
17.62%
21.63%
20.25%
Return on Equity (ROE)
Biaya Operasional terhadap Pencapaian
Operasional (BOPO)
80.03%
79.30%
85.35%
82.42%
80.70%
Operating Expense on Operating
Achievement
9.93%
10.24%
7.19%
10.46%
12.37%
Net Interest Margin
81.70%
100.20%
94.94%
102.20%
93.87%
Loan to Deposit Ratio
1.46%
1.58%
1.12%
0.97%
1.06%
Non Performing Asset Ratio
Net Interest Margin
Likuiditas
Liquidity
Rasio Kredit terhadap Total Simpanan
Rasio Non Performing Assets
Kepatuhan
Compliance
Persentase Pelanggaran BMPK
Violation of LLL
Pihak Terkait
-
-
-
-
-
Related Party
Pihak Tidak Terkait
-
-
-
-
-
Non-Related Party
Pihak Terkait
-
-
-
-
-
Pihak Tidak Terkait
-
-
-
-
-
Persentase Pelampauan BMPK
Exceeding of LLL
Related Party
Non-Related Party
Giro Wajib Minimum
Reserve Requirement
GWM Utama Rupiah
8.21%
8.03%
5.04%
5.30%
5.10%
Reserve Requirement in Rupiah
10.40%
3.61%
8.82%
-
-
Reserve Requirement in Secondary
GWM Valuta Asing
9.90%
1.33%
4.08%
1.12%
-
Reserve Requirement in Foreign Currencies
Posisi Devisa Netto
11.47%
1.06%
5.52%
2.50%
-
Net Foreign Exchange
GWM Sekunder Rupiah
(dalam persentase)
(in percentage)
Lain-Lain
Others
Jumlah Karyawan*
Jumlah Kantor*
Jumlah ATM*
1480
1056
878
807
612
Total Number of Employee*
102
78
43
40
32
Total Number of Office*
42
34
34
27
24
Total Number of ATM*
*)satuan sebenarnya
*)in real number
100
4.000
400
80
3.000
300
60
Dalam miliar Rupiah
In billion Rupiah
2.000
1.000
500
250
0
‘07 ‘08 ‘09 ‘10 ‘11
200
100
50
0
‘07 ‘08 ‘09 ‘10 ‘11
90
59
35
Dalam miliar Rupiah
In billion Rupiah
500
Dalam miliar Rupiah
In billion Rupiah
5.000
37
31
473
393
253
200
179
5,085
3.245
Net Income
2.403
Laba Bersih
Total Equity
1.977
Total Ekuitas
Total Assets
1.463
Total Aset
40
20
10
0
‘07 ‘08 ‘09 ‘10 ‘11
Growth and Quality
Annual Report 2011
7
kaTa penGanTar
Ikhtisar Saham
Stock Highlights
Sepanjang tahun 2011 volume perdagangan saham Bank
Saudara di Bursa Efek Indonesia mencapai 2,381,027,655
lembar saham dengan nilai transaksi sebesar Rp
496,133,039,655. Harga tertinggi selama tahun 2011
adalah Rp 290,00 yang dicapai pada bulan Januari 2011.
Pada Desember 2011, harga saham tertinggi Rp 235,00
dan harga saham terendah sebesar Rp 191,00. Harga
penutupan pada 31 Desember 2011 adalah Rp 220,00.
Throughout 2011 the trading volume of Bank Saudara share
in Indonesia Stock Exchange reached 2,381,027,655 shares
with transaction value amounted to Rp 496,133,039,655.
The highest price throughout 2011 is Rp 290,00 gained in
January 2011. In December 2011 the highest share price
was Rp 235,00 and the lowest share price was Rp 191,00.
The closing price on December 31 2011 was Rp 220,00.
2010
Triwulan 1
Quarter 1
Triwulan 2
Quarter 2
2011
Triwulan 3
Quarter 3
Triwulan 4
Quarter 4
Triwulan 1
Quarter 1
Triwulan 2
Quarter 2
Triwulan 3
Quarter 3
Triwulan 4
Quarter 4
270
230
235
173
175
175
198
192
220
1,076,828,005
402,771,000
197,960,100
223,660,981,450
83,020,174,500
40,109,328,500
27,030
12,597
7,816
61
60
64
Harga Saham Tertinggi* / Highest Stock Price*
355
365
305
410
290
Harga Saham Terendah* / Lowest Stock Price*
210
235
265
275
164
Harga Saham Penutupan* / Closing Share Price*
290
275
275
290
205
Volume Transaksi / Transaction Volume
2,332,147,000
1,622,519,250
965,791,250
1,545,632,500
703,468,610
Nilai Transaksi* / Transaction Value*
694,614,285,000
485,812,784,000
284,513,150,000
524,089,089,500
149,342,555,205
Frekuensi / Frequency
49,768
41,812
20,333
32,264
23,246
Jumlah Hari Perdagangan / Number of Trading Days
61
62
60
*) dalam Rupiah sebenarnya / in actual Rupiah
8
Laporan Tahunan 2011
Growth and Quality
62
62
preFaCe
Ikhtisar Obligasi
Obligation Highlights
Obligasi Bank Saudara I tahun 2011 yang diterbitkan
telah mengalami oversubscribe hampir 3 (tiga) kali
hingga melebihi angka Rp 500 miliar, oleh karena itu nilai
emisinya dinaikkan dari Rp 200 miliar menjadi Rp 250 miliar.
Perseroan menaikkan obligasi karena investor menyambut
baik surat hutang tersebut sehingga permintaan meningkat.
Dalam rangka penawaran obligasi ini, Perseroan telah
memperoleh pemeringkatan dari Pefindo, yakni IdBBB+
dengan hasil posisi stabil.
Bank Saudara Bond I year 2011 issuance was
oversubscribed almost 3 times exceeding Rp 500 billion
therefore the emission value was increased to Rp 250
billion from Rp 200 billion. The Company had raised its
bonds value because it was welcomed by investors and
experienced increasing demand. In accordance of the
bonds issuance, the Company had been rated by Pefindo
IdBBB+ with stable outlook.
Obligasi ini diterbitkan tanpa warkat, kecuali Sertifikat
Jumbo Obligasi yang diterbitkan oleh Perseroan atas nama
PT Kustodian Sentral Efek Indonesia (“KSEI”), sebagai bukti
hutang kepada Pemegang Obligasi.
The bond was issued without letter, except Jumbo Bond
Certificate published by the Company on behalf of PT
Kustodian Sentral Efek Indonesia (“KSEI”), as proof of
liability to Bond Holder.
Obligasi ini ditawarkan dengan nilai 100% (seratus persen)
dari nilai Pokok Obligasi dan terdiri dari 2 (dua) seri :
The bond was offered with 100% of value from Bond
Principal Value and comprises of 2 (two) series:
•
Seri A : dengan nilai nominal Rp 75.000.000.000 (tujuh
puluh lima miliar Rupiah) tingkat bunga tetap sebesar
11,25 % per tahun jatuh tempo setiap tiga bulan, dan
dengan jangka dua tahun sampai 1 Desember 2013.
•
Series A : With nominal value of Rp 75.000.000.000
(seventy five billion Rupiah) fixed interest rate of 11,25
% per annum due on quarterly basis; and with a two
year term up to 1 December 2013.
•
Seri B : dengan nilai nominal Rp 175.000.000.000
(seratus tujuh puluh lima miliar Rupiah) tingkat bunga
tetap sebesar 11,75 % per tahun jatuh tempo setiap
tiga bulan, dan dengan jangka dua tahun sampai 1
Desember 2014.
•
Series B : With nominal value of Rp 175.000.000.000
(one hundred and seventy five billion Rupiah) fixed
interest rate of 11,75 % per annum due on quarterly
basis; and with a three year term up to 1 December
2014.
Growth and Quality
Annual Report 2011
9
kaTa penGanTar
peristiwa penting
events Highlight
Januari
January
22 Januari 2011
Kerjasama Pelaksanaan Program Tanggung Jawab
Sosial Perusahaan dengan Ikopin
Bank Saudara menjalin kerjasama pelaksanaan program
tanggung jawab sosial perusahaan dengan Institut
Manajemen Koperasi Indonesia (Ikopin). Penandatanganan
kerjasama itu dilakukan oleh Rektor Ikopin, Prof. Dr. H.
Rully Indrawan, M.Si, dan Madyantoro Purbo, Direktur Bank
Saudara.
January 22, 2011
Cooperation with Ikopin in the Implementation of
Corporate Social Responsibility Program
Bank Saudara cooperated with Indonesia Cooperation
Management Institute (Ikopin), in Corporate Social
Responsibility Program implementation. The agreement was
signed by the Rector of Ikopin Prof. Dr. H. Rully Indrawan,
M.Si and the Director of Bank Saudara, Madyantoro Purbo.
29 Januari 2011
Kick Off Meeting 2011
Kick Off Meeting 2011 bertajuk “Growth and Quality”
dan dilaksanakan di Ballroom Grand Royal Panghegar,
Bandung, Jawa Barat. Pertemuan ini diikuti oleh hampir
250 karyawan, termasuk Dewan Komisaris, Direksi, Kepala
Divisi, Pejabat Eksekutif, dan para Pemimpin Cabang.
January 29, 2011
Kick Off Meeting 2011
The 2011 Kick Off Meeting titled “Growth and Quality” held
at Ballroom of Grand Royal Panghegar, Bandung, West
Java. The meeting was attended by nearly 250 employees,
including Board of Commissioners, Board of Directors, Head
of Divisions, Senior Officer, and Head of Branch Offices.
Februari
February
1 Febuari 2011
Penarikan Undian “Program Sejuta Untung” Tahap VI dan
Grand Prize
Acara puncak Program Sejuta Untung dilaksanakan di
Bank Saudara Kantor Cabang Wastukancana. Hadiah
yang diundi berupa 2 hadiah utama dan 2 hadiah Tahap VI.
Penarikan Undian ini dilaksanakan pada hari pembayaran
gaji para pensiunan dan dimeriahkan pembagian door prize
dan live music dari band The Klakson.
10
Laporan Tahunan 2011
Growth and Quality
February 1, 2011
The Sixth Phrase of Lottery draw and the Grand Prize of
“Program Sejuta Untung”
The top event of Sejuta Untung program was held in Bank
Saudara Wastukancana Branch Office. The distributed
prizes were 2 grand prizes the sixth period drawing and
Grand Prize, which was held on the payment day of the
pensioners’ payroll. The event was enlivened by door prize
and live music by The Klakson band.
preFaCe
events Highlight
Maret
March
2 Maret 2011
Karyawan Bank Saudara Peduli Yogyakarta
Kantor Cabang Yogyakarta menyalurkan dana Peduli
Yogyakarta hasil sumbangan karyawan Bank Saudara
kepada para korban bencana Gunung Merapi di daerah
Plosokerep, Cangkringan, Kaliurang, dan Yogyakarta.
Bantuan senilai Rp 16 juta diberikan dalam bentuk karpet
bagi rumah-rumah hunian sementara.
March 2, 2011
Bank Saudara Employees Care for Yogyakarta
Yogyakarta Branch Office delivered Yogyakarta Care funds
as a donation from Bank Saudara employees to Mount
Merapi-victims in the Plosokerep, Cangkringan, Kaliurang
and Yogyakarta. Rp 16 million worth of aid was given in the
form of carpets for temporary residences.
16 Maret 2011
Rapat Umum Pemegang Saham Tahunan
Rapat Umum Pemegang Saham Tahunan (RUPST) Bank
Saudara kali ini diselenggarakan di Gedung The Energy
Lantai 28, SCBD, Jakarta. RUPST dihadiri oleh para
pemegang saham dan jajaran pengurus perusahaan.
Dalam kesempatan tersebut, para pemegang saham telah
menyetujui beberapa keputusan strategis RUPST.
March 16, 2011
General Meeting of Shareholders
The Bank Saudara’s Annual General Meeting of
Shareholders (AGMS) was held at The Energy Building 28th
floor, SCBD, Jakarta and was attended by Shareholders and
the Company’s management. In the event, the Shareholders
have approved several AGMS strategic decisions.
28 Maret 2011
Penghargaan “Productive Location Champion”
Bank Saudara meraih penghargaan kategori “Productive
Location Champion 2010” dari Western Union. Penghargaan
tersebut diterima oleh Madyantoro Purbo dalam acara
Western Union Agent Summit 2011 se-Asia Pacific di Beijing
pada tanggal 28 Maret 2011.
March 28, 2011
“Productive Location Champion” Award
Bank Saudara received the “2010 Productive Location
Champion” award from Western Union. Madyantoro Purbo
received the award during the Asia Pacific Western Union
Agent Summit 2011 in Beijing on March 28, 2011.
april
april
6 April 2011
Penyerahan Hadiah Utama “Program Sejuta Untung”
Bank Saudara menyerahkan hadiah utama “Program
Sejuta Untung” berupa 2 unit Mercedez-Benz A160 dan
3 unit motor Kawasaki Ninja 250 cc. Penyerahan hadiah
ini dilakukan dalam dua tahap. Tahap 1 dilakukan pada
6 April 2011 di Denpasar, Bali. Sedangkan, penyerahan
hadiah tahap 2 dilakukan di Lounge Personal Banking Bank
Saudara The Energy lantai 2, pada 15 April 2011.
April 6, 2011
“Program Sejuta Untung” Grand Prize Handover
Bank Saudara handed over 2 units of Mercedez-Benz A160
and 3 units of Kawasaki Ninja 250 cc motorcycle as the
grand prize of “Program Sejuta Untung”. The grand prize
hand over was conducted in two periods. The first period
was conducted on April 6, 2011 at Denpasar, Bali whereas
the second period was conducted on April 15, 2011, at the
Personal Banking Lounge of Bank Saudara at the 2nd floor
of The Energy building.
Growth and Quality
Annual Report 2011
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april
april
12
14 April 2011
Penandatanganan Nota Kesepahaman Bank Saudara–
PT Asabri (Persero)
Bank Saudara dan PT Asabri (Persero) menandatangani
Nota Kesepahaman pemberian dan penggunaan jasa
perbankan. Nota ini ditandatangani oleh Direktur Utama
PT Asabri (Persero), Adam R. Damiri, dan Direktur Utama
Bank Saudara, Farid Rahman. Kerjasama ini melingkupi
pembayaran pensiunan, santunan, dan pemanfaatan
teknologi informasi dan pemberian informasi melalui 79
kantor operasional atau jaringan layanan Bank Saudara di
53 kota se-Jawa-Bali.
April 14, 2011
Bank Saudara-PT Asabri (Persero) Memorandum of
Understanding (MoU) Signing
Bank Saudara and PT Asabri (Persero) signed the
Memorandum of Understanding (MoU) on provision
and use of banking service. The MoU was signed by the
President Director of PT Asabri (Persero) Adam R. Damiri
and the Presiden Director of Bank Saudara Farid Rahman.
The cooperation encompasses the payment of pensioners’
payroll, insurance, and Information Technology utilization as
well as information distribution through 79 Bank Saudara’s
operational offices or network services in 53 cities on JavaBali.
15 April 2011
Rapat Kerja Triwulan I
Pada 15 April 2011, Bank Saudara menggelar Rapat Kerja
Triwulan I di Ruang Rapat Bank Saudara Cabang Energy,
Gedung The Energy Lantai 7, Jakarta. Rapat kerja tersebut
dihadiri oleh seluruh jajaran Direksi, Kepala Divisi, Pejabat
Eksekutif, dan Pemimpin Cabang. Dalam rapat tersebut,
pengurus Bank Saudara mengevaluasi pencapaian kinerja
pada Triwulan I dan rencana bisnis perusahaan.
April 15, 2011
First Quarter Review Meeting
On April 15, 2011, Bank Saudara held the first Quarter
Review Meeting in the Energy branch meeting Room at The
Energy Building 7th floor, Jakarta and was attended by the
entire Directors, Head of Divisions, Executive Officials, and
Head of Branch Offices. In the meeting, the management
of Bank Saudara evaluated the first quarter performance
achievement and business plan.
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
21 April 2011
Penyerahan Bantuan Kepada UMKM di Sukabumi
Dalam rangka memperingati Hari Kartini, Bank Saudara
menyerahkan bantuan kepada UMKM distributor sembako
atas nama Ibu Fatimah Azahra senilai Rp 35 juta dan
Rp 600 juta kepada UMKM peternak sapi perah atas
nama Ibu Risdyanto Martynah. Kedua bantuan tersebut
diserahkan langsung oleh Pariaman Sinaga, Deputi Bidang
Pembiayaan Kementrian Koperasi dan UKM, pada saat
Bazar Usaha Kecil Menengah dan Peletakan Batu Pertama
Gedung Kemasan di Sukabumi.
April 21, 2011
Donation Handover for SMe in Sukabumi
To commemorate Kartini Day, Bank Saudara handed over
donation to a staple food distributor; a (SME) Small and
Meddle Enterprises on behalf of Mrs. Fatimah Azahra
amounted to Rp 35 million and Rp 600 million to a small and
middle sized enterprise of dairy farmers on behalf of Mrs.
Risdyanto Martynah. Both donations were directly handed
out by Pariaman Sinaga, the Deputy of Funding Division
of Ministry of Cooperation and SMe, during the Small and
Medium Enterprises Business Bazaar and the first stone
placement of Kemasan Building in Sukabumi.
21 April 2011
Bakti Sosial Bank Saudara
Dalam rangka HUT Bank Saudara ke-105, Bank Saudara
menggelar kegiatan sosial berupa Donor Darah serta
Pemeriksaan Kesehatan Gratis. Sesuai dengan tradisi,
kegiatan sosial ini dilaksanakan di berbagai lokasi Kantor
Cabang Bank Saudara. Sedangkan pelaksanaan di Kantor
Pusat Bank Saudara dilaksanakan pada 21 April 2011.
Dalam kegiatan ini, Bank Saudara bekerja sama dengan
PMI dan Yayasan Harapan Bangsa.
April 21, 2011
Bank Saudara Social Service
During its 105th Anniversary, Bank Saudara organised
social activities in the form of Blood Donor and Free Dental
Examination. In accordance with the tradition, the social
activities were held in various locations of Bank Saudara
branch offices, and the activities held at Bank Saudara
Head Office was on April 21, 2011. For the event, Bank
Saudara cooperated with Indonesian Red Cross (PMI) and
Yayasan Harapan Bangsa.
26 April 2011
Save The Earth
Bank Saudara ikut berpartisipasi dalam acara yang
bertajuk pelestarian lingkungan, “Save The Earth”, dan
diselenggarakan oleh PT. Medco E&P Indonesia. Dalam
acara tersebut, Bank Saudara memamerkan rencana
bangunan gedung Kantor Pusat Bank Saudara di Jl.
Diponegoro, Bandung, yang memiliki desain ramah
lingkungan.
April 26, 2011
Save The Earth
Bank Saudara participates in an environmental preservation
themed event titled “Save The Earth” held by PT. Medco
E&P Indonesia. For the event, Bank Saudara exhibits Bank
Saudara Head Office in Jl. Diponegoro, Bandung, which
has an environmental friendly design.
Growth and Quality
Annual Report 2011
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Mei
May
23 Mei 2011
Peresmian Relokasi Kantor Cabang Ampera
Peresmian simbolis relokasi Bank Saudara Kantor Cabang
Ampera, yang sebelumnya terletak di Gedung Medco 2 ke
Gedung Medco 3. Pengguntingan pita tanda dibukanya
KC Ampera dilakukan oleh Direktur Utama Bank Saudara,
Madyantoro Purbo, dan pemotongan tumpeng dilakukan
oleh Komisaris Bank Saudara, Farid Rahman.
May 23, 2011
Symbolic Inauguration of Ampera Branch Office
Relocation
Symbolic Inauguration of Ampera Branch Office Relocation
which was previously located in Medco 2 Building to
Medco 3 Building. Ribbon-cutting marked the opening
by the Director of Bank Saudara, Madyantoro Purbo, and
traditional rice cone-cuts by the Commissioner of Banks
Saudara, Farid Rahman.
Juni
June
16 Juni 2011
Serah Terima Jabatan Pengurus
Farid Rahman, sebelumnya menjabat Direktur Utama
Bank Saudara meneruskan tampuk pimpinannya kepada
Madyantoro Purbo untuk periode 2011-2012. Selain Direktur
Utama, serah terima jabatan juga terjadi di tingkat-tingkat
organisasi lainnya.
June 16, 2011
Handover of Management Position
Farid Rahman, who previously acted as the President
Director of Bank Saudara, handed over his position
to Madyantoro Purbo for 2011-2012 periods. Besides
President Director position, position handover also occurred
in other organization levels.
Juni
June
14
22 Juli 2011
InfoBank Award 2011
Bank Saudara kembali menerima penghargaan InfoBank
Award 2011 dalam kategori “Bank yang Berpredikat Sangat
Bagus atas Kinerja Keuangan Tahun 2010” untuk yang ke-9
kalinya dan “Golden Trophy Award” untuk yang ke-4 kalinya.
Kedua penghargaan tersebut diterima oleh Madyantoro
Purbo, Direktur Utama Bank Saudara pada saat “Malam
Penganugerahan InfoBank Awards 2011” di Taman Wisata
Candi Prambanan, Yogyakarta.
July 22, 2011
InfoBank Award 2011
Once again Bank Saudara received InfoBank Award 2011
for “Bank entitled as Excellent on Financial Performance in
2010” category for the 9th time and “Golden Trophy Award”
for the 4th time. Both awards were received by Madyantoro
Purbo, President Director of Bank Saudara, during the
InfoBank Awards 2011 Bestowal Night” at Taman Wisata
Candi Prambanan, Yogyakarta.
21-22 Juli 2011
Rapat Kerja Semester I-2011
Rapat Kerja Semester I Bank Saudara tahun 2011
diselenggarakan di Hotel Melia Purosari, Yogyakarta. Rapat
ini dihadiri oleh seluruh jajaran manajemen Bank Saudara.
July 21-22, 2011
Semester I-2011 Review Meeting
Bank Saudara Semester I 2011 Review Meeting was held in
Melia Purosari Hotel, Yogyakarta and was attended by the
entire management of Bank Saudara.
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
28 Juli 2011
ABFI Awards: Best Performance Banking 2011
Bank Saudara menerima ABFI Banking Awards 2011 sebagai “Best Performance Banking 2011” untuk kategori Bank Swasta
Beraset Rp 1-5 Triliun di Merchantile Athletic Club-World Trade Center, Jakarta. Penghargaan ini diterima oleh Denny N.
Mahmuradi, Direktur Bisnis, sebagai wakil dari Bank Saudara.
July 28, 2011
ABFI Awards: Best Performance Banking 2011
Bank Saudara received ABFI Banking Awards 2011 as the “Best Performance Banking 2011” for Private Bank with asset worth of
Rp 1-5 trillion held in Merchantile Athletic Club, World Trade Center, Jakarta. The award was received by Denny N. Mahmuradi,
Business Director, as the representative of Bank Saudara.
agustus
august
1 Agustus 2011
Program Tali Kasih KUPEN
Program Tali Kasih KUPEN merupakan program rutin Bank
Saudara yang merupakan wujud kepedulian Bank Saudara
terhadap nasabah Kredit Pensiunan yang telah memberikan
kontribusinya. Program ini berlangsung dari 1 Agustus
sampai dengan 30 September 2011.
August 1, 2011
Tali Kasih KUPEN Program
Tali Kasih KUPEN Program is Bank Saudara’s routine
program as an affirmation of Bank Saudara’s concern
on Pensioners Credit, customers who have given their
contribution. The program was held from August 1 to
September 30, 2011.
8 Agustus 2011
GroundBreaking Pembangunan Kantor Pusat
Bank Saudara
Peresmian secara simbolis pembangunan gedung Kantor
Pusat Bank Saudara di Jl. Diponegoro No 28, Bandung.
Pembangunan tersebut ditandai oleh Peletakan Batu
Pertama dan Pemecahan Kendi pada Pengeruk Alat Berat
(Backhoe) yang dilakukan oleh Yani Rodyat, perwakilan
pemegang saham pengendali, didampingi oleh R. Maulana
Ibrahim, Komisaris Utama, dan Madyantoro Purbo, Direktur
Utama Bank Saudara.
August 8, 2011
Groundbreaking of Bank Saudara’s Head Office
A symbolical inauguration of Bank Saudara’s Head Office
construction in Jl. Diponegoro No.28, Bandung, was marked
by groundbreaking and breaking a jug on the Backhoe
by Yani Rodyat, as a representative from controlling
shareholders, accompanied by R. Maulana Ibrahim,
President Commissioner, and Madyantoro Purbo, President
Director of Bank Saudara.
Growth and Quality
Annual Report 2011
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September
September
1 September 2011
Wisuda Program Pengembangan Karyawan
Bank Saudara meluluskan 75 orang dari 125 peserta
Program Pengembangan Karyawan angkatan VIII. Acara
yang diselenggarakan di Apartemen Galeri Ciumbuleuit ini
bertujuan untuk menyiapkan kader-kader Bank Saudara di
masa depan.
September 1, 2011
Graduation of Employee Development Program
Bank Saudara graduated 75 persons from 125 participants
from the 8th batch of Employee Development Program. The
event was held at Galeri Ciumbuleuit Apartment aiming to
prepare future Bank Saudara successors.
Oktober
October
16
10 Oktober 2011
Grand Opening Rumah Saudara Leuwiliang
Rumah Saudara Leuwiliang siap dan telah resmi melayani
nasabah di Leuwiliang, Bogor, Jawa Barat. Peresmian
Rumah Saudara ini dihadiri oleh Medya Soeranto–Pemimpin
Cabang Bogor, Effi Firmansyah–Wakil Pemimpin Cabang
Bogor, Firman Indra Yunanto–Kepala Rumah Saudara
wilayah Bogor, dan para karyawan Bank Saudara.
October 10, 2011
Grand Opening of Rumah Saudara in Leuwiliang
Rumah Saudara Leuwiliang was ready and officially started
serving its customers in Leuwiliang, Bogor, West Java.
The inauguration of Rumah Saudara attended by Medya
Soeranto--Head of Bogor Branch Office, Effi Firmansyah—
Deputy Head of Bogor Branch Office, Firman Indra
Yunanto—Head of Rumah Saudara Bogor Branch and
employees of Bank Saudara.
12 Oktober 2011
Grand Opening Rumah Saudara Purwodadi
Rumah Saudara Purwodadi resmi dibuka dan siap melayani
nasabah di Kota Purwodadi dan sekitarnya. Rumah
Saudara terletak di Jl. S. Parman No. 13–14 ini diresmikan
oleh Pemimpin Cabang Semarang, Edwin Setiabudi.
October 12, 2011
Grand Opening of Rumah Saudara in Purwodadi
Rumah Saudara in Purwodadi was officially opened and
ready to serve its customer in Purwodadi and its surrounding.
Edwin Setiabudi as Head of Semarang Branch inaugurated
the Rumah Saudara, which located in Jl. S. Parman
No.13-14.
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
16 Oktober 2011
Maroon Bandung
Peluncuran Program Bank Saudara “Kilau Bintang
Rezeki Saudara” yang mengangkat tema “Go Retail! Go
Canvasing!”Acara ini berlangsung bertepatan dengan Car
Free Day Dago Bandung dan dihadiri oleh Dewan Komisaris,
Direksi, para Kepala Divisi, Pejabat Eksekutif, Pemimpin
Cabang WastuKancana, Pemimpin Cabang Surapati Core,
dan karyawan Bank Saudara di wilayah Bandung.
October 16, 2011
Maroon Bandung
The launching of Bank Saudara program titled “Kilau Bintang
Rezeki Saudara” with the theme “Go Retail! Go Canvasing!”
The event was held in conjunction with Car Free Day Dago
Bandung and was attended by Board of Commissioners,
Directors, Head of Division, Executive Officers, Head
of Wastukancana Branch Office, Head of Surapati Core
Branch Office and employees of Bank Saudara in Bandung.
24 Oktober 2011
Rapat Kerja Triwulan III Bank Saudara
Rapat Kerja (Raker) Triwulan III Bank Saudara digelar di
Hotel Aston Primera Pasteur, Bandung. Raker tersebut
dihadiri oleh Dewan Komisaris, Direksi, Kepala Divisi,
Pejabat Eksekutif, dan seluruh Pemimpin Cabang.
October 24, 2011
Bank Saudara Third Quarter Review Meeting
Bank Saudara Third Quarter Review Meeting was held
in Aston Primera Hotel, Pasteur, Bandung and attended
by Board of Commissioners, Directors, Head of Division,
Executive Officials and the entire Head of Branch Offices.
25 Oktober 2011
Topping Off Kantor Pusat Diponegoro Bandung
PT. Adhi Karya menyerahkan pekerjaan struktur Kantor
Pusat Diponegoro Bandung yang telah selesai kepada
Bank Saudara. Penyerahan pekerjaan ini ditandai dengan
penanaman paku emas seberat 1.906 gram oleh Madyantoro
Purbo, Direktur Utama Bank Saudara, di lantai 5.
October 25, 2011
Topping Off of Head Office Diponegoro Bandung
PT. Adhi Karya handed the finished project of Diponegoro
Bandung Head Office structure to Bank Saudara. The
project handover was marked by the implantation of 1,906
grams of golden nail on the 5th floor by Madyantoro Purbo,
President Director of Bank Saudara.
Growth and Quality
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november
november
2 November 2011
Penandatanganan Kerjasama kantor bayar Pensiun
Dapen Muhammadiyah
Bank Saudara, diwakili Hari Armansyah, dan Dapen
Muhammadiyah, diwakili Joyo Adikusumo, S.E, melakukan
penandatanganan perjanjian kerja sama kantor bayar
pensiun. Kegiatan ini dilakukan di Rumah Makan Bumbu
Desa, Yogyakarta.
November 2, 2011
Joint Cooperation Signing of Dapen Muhammadiyah
Pension Payment Office
Bank Saudara, represented by Harry Armansyah, and
Dapen Muhammadiyah, represented by Joyo Adikusumo,
S.E., signed the pension payment office cooperation
agreement, which was held in Bumbu Desa Restaurant,
Yogyakarta.
4 November 2011
Customer Gathering Kantor Cabang Cirebon
Kantor Cabang Bank Saudara Cirebon mengadakan malam
apresiasi nasabah dan ajang promosi program “Kilau
Bintang Rezeki Saudara” di Marina Resto Cirebon.
November 4, 2011
Customer Gathering in Cirebon Branch Office
Cirebon Branch Office of Bank Saudara held customer
appreciation night and promoting “Kilau Bintang Rezeki”
program at Marina Restaurant Cirebon.
17 November 2011
Grand Opening Kantor Cabang Purwokerto
Peresmian Kantor Cabang Bank Saudara Purwokerto, yang
terletak di Jalan Jenderal Gatot Subroto No. 78, Purwokerto–
Jawa Tengah, dilakukan oleh Bupati Banyumas, Bp.
Mardjoko , dan Pimpinan BI Purwokerto, Bp. Dudi Herawadi.
Sebelum acara tersebut Denny N. Mahmuradi melakukan
pengambilan sumpah jabatan Pemimpin dan Wakil
Pemimpin Cabang yang disaksikan oleh para undangan.
November 17, 2011
Grand Opening of Purwokerto Branch Office
The grand opening of Purwokerto Branch Office of Bank
Saudara, located in Jalan Jendral Gatot Subroto No.78,
Purwokerto–West Java, has been done by Regent of
Banyumas, Mardjoko, and Head of Bank Indonesia
Purwokerto, Dudi Herawadi. Before the event, Denny N.
Mahmuradi undertook the oath of office by Head and
Deputy of Branch Office witnessed by the invitees.
Desember
December
18
2 Desember 2011
Penerbitan Obligasi Bank Saudara I Tahun 2011
Dalam rangka mengembangkan pasar kredit di Indonesia,
Bank Saudara menerbitkan Obligasi Bank Saudara I
Tahun 2011 senilai Rp 250 miliar yang listing di Bursa Efek
Indonesia tanggal 2 Desember 2011.
December 2, 2011
Bank Saudara Bonds I Year 2011 Issuance
In order to develop the loan market in Indonesia, Bank
Saudara issued Bank Saudara Bond I 2011 worth Rp 250
billion, which was listed at Indonesia Stock Exchange dated
December 2, 2011.
5-6 Desember 2011
Pengobatan Gratis di PT TASPEN
Kegiatan sosial ini PT TASPEN Bandung bekerjasama
dengan Bank Saudara mengadakan pengobatan gratis
untuk nasabah PT TASPEN yang bertempat di PT. TASPEN
Bandung.
5-6 Desember 2011
Free Medication at PT TASPEN
PT TASPEN Bandung cooperates with Bank Saudara in
providing free medication for PT TASPEN customers held at
PT TASPEN Bandung
Laporan Tahunan 2011
Growth and Quality
preFaCe
events Highlight
Desember
December
8 Desember 2011
Penghargaan Forbes Indonesia
Bank Saudara menerima Penghargaan Forbes Indonesia
sebagai Best Of The Best Awards 2011 The A List Top 40
Performing Small And Midsized Companies.
8 Desember 2011
Forbes Indonesia Award
Bank Saudara received Forbes Indonesia Award as the
Best Of The Best Awards 2011 The A List Top 40 Performing
Small And Midsized Companies.
9 Desember 2011
Grand Opening Kantor Cabang Solo
Kantor Cabang Bank Saudara Solo diresmikan oleh
Bp. Arifin Panigoro. Bersamaan dengan pembukaan kantor
cabang tersebut, Bank Saudara juga turut menyumbangkan
200 Pohon Oiliana untuk berperan serta dalam penghijauan
Kota Solo yang telah menjadi agenda Pemerintah Daerah
setempat.
December 9, 2011
Opening of Branch Office Solo
Bank Saudara’s Solo Branch Office is Inaugurated by Arifin
Panigoro. Along with the opening of the branch offices
Bank Saudara, the Bank also donated 200 Oiliana tree to
participate in the greening of the city of Solo which has
become an agenda by Local Government.
11 Desember 2011
Grand Opening Kantor Cabang Malang
Untuk memperluas pangsa pasar dan menggali potensi
nasabah di Kota Malang, Bank Saudara membuka Kantor
Cabang di Malang. Pembukaan kantor cabang tersebut
diresmikan oleh Walikota Malang, Bp. Peni Suparto, dan
Pemimpin Bank Indonesia Malang, Bp. Toto Hermiyanto,
serta disaksikan jajaran Muspida Malang, Bp Arifin Panigoro,
Ibu Raisis Panigoro, Ibu Widyawati, Ibu Yani Panigoro, Bp.
R. Maulana Ibrahim, dan Bp. Madyantoro Purbo.
December 11, 2011
The Opening of Malang Branch Office
To expand the market share and explore customer potential
in Malang, Bank Saudara opened Malang Branch Office,
officially was opened by the Mayor of Malang, Peni Suparto,
and Head of Bank Indonesia Malang, Toto Hermiyanto.
The ceremony was also attend by Muspida Malang, Arifin
Panigoro, Raisis Panigoro, Widyawati, Yani Panigoro, R.
Maulana Ibrahim, dan Madyantoro Purbo.
Growth and Quality
Annual Report 2011
19
kaTa penGanTar
penghargaan
awards
ABFI Award
•
Best Performance Banking 2011, kategori Bank Swasta
Beraset 1 s/d 5 triliun dalam ABFI Award
Western Union Award
•
Western Union Award 2011: Productive Location
Champion 2011
Forbes Magazine
•
•
•
Best of The Best Awards 2010, Kategori Bank Berskala
Menengah Kecil bersama 200 perusahaan di Asia
Pasifik, Forbes Magazine.
Best of The Best Awards dari 40 Perusahaan Berskala
Menengah Kecil
Museum Rekor Indonesia (MURI)
•
•
20
Lembaga Keuangan Swasta Tertua, Museum Rekor
Indonesia
Penyelenggara Rapat Umum Pemegang Saham
(RUPS) Yang Dihadiri oleh Pemegang Saham Dengan
Jumlah Peserta Terbanyak, MURI
Laporan Tahunan 2011
Growth and Quality
ABFI Award
Best Performance Banking 2011, for the category of Private
Bank with assets worth of Rp 1-5 trillion
Western Union Award
•
Western Union Award 2011: Productive Location
Champion 2011
Forbes Magazine
•
The Best Company Award 2010, for Small–Medium
Scale Company in Asia Pacific from Forbes Magazine
•
Best of The Best Awards 2011 The A List Top 40
Performing Small and Midsized Companies
Museum Rekor Indonesia (MURI)
•
•
The Oldest Private Financial Institution from Indonesia
Record Museum
The Organizer of General Meeting of Shareholders
(GMS) that attended by the Largest Number of
Participants, from MURI Record Musium
preFaCe
awards
Golden Trophy Award
•
•
•
•
Golden Trophy Award 2011, dengan Predikat
Bagus 5 Tahun: 2006–2010, Majalah InfoBank
Golden Trophy Award 2010, dengan Predikat
Bagus 5 Tahun: 2005–2009, Majalah InfoBank
Golden Trophy Award 2008, dengan Predikat
Bagus 5 Tahun: 2003–2007, Majalah InfoBank
Golden Trophy Award 2007, dengan Predikat
Bagus 5 Tahun: 2002–2006,
Sangat
•
Sangat
•
Sangat
•
Sangat
•
Majalah InfoBank InfoBank Award
•
•
•
•
•
•
•
•
•
Golden Trophy Award
InfoBank Awards 2011, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2010
InfoBank Awards 2010, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2009
InfoBank Awards 2009, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2008
InfoBank Awards 2008, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2007
InfoBank Awards 2007, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2006
InfoBank Awards 2006, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2005
InfoBank Awards 2005, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2004
InfoBank Awards 2004, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2003
InfoBank Awards 2003, dengan predikat Sangat Bagus
Atas Penilaian Kinerja Keuangan Tahun 2002
Golden Trophy Award 2011, entitled as Excellent
years: 2006-2010.from InfoBank Magazine
Golden Trophy Award 2010, entitled as Excellent
years: 2005-2009 from InfoBank Magazine
Golden Trophy Award 2008, entitled as Excellent
years: 2003-2007, from InfoBank Magazine
Golden Trophy Award 2007, entitled as Excellent
years: 2002-2006, from InfoBank Magazine
in 5
in 5
in 5
in 5
•
InfoBank Award
•
•
•
•
•
•
•
•
•
InfoBank Award 2011, entitled as Excellent in 2010 on
the Financial Performance Assessment 2010
InfoBank Awards 2010, entitled as Excellent in 2011 on
the Financial Performance Assessment in 2009
InfoBank Awards 2009, entitled as Excellent 2011 on
the Financial Performance Assessment 2008
InfoBank Awards 2008 entitled as Excellent 2011 on
the Financial Performance Assessment 2007
InfoBank Awards 2007 entitled as Excellent 2011 on
the Financial Performance Assessment 2006
InfoBank Awards 2006 entitled as Excellent 2011 on
the Financial Performance Assessment 2005
InfoBank Awards 2005 entitled as Excellent 2011 on
the Financial Performance Assessment 2004
InfoBank Awards 2004 entitled as Excellent 2011 on
the Financial Performance Assessment 2003
InfoBank Awards 2003 entitled as Excellent 2011 on
the Financial Performance Assessment 2002
Growth and Quality
Annual Report 2011
21
kaTa penGanTar
Laporan komisaris Utama
report of the president Commissioner
PERKEMBANGAN INDUSTRI
PERBANKAN CUKUP BAIK YANG
DITANDAI DENGAN TINGGINYA
RASIO KECUKUPAN MODAL (CAR)
PADA LEVEL 18% DAN RASIO
KREDIT BERMASALAH (NPL)
DIBAWAH 5%. INTERMEDIASI
PERBANKAN JUGA SEMAKIN
MEMBAIK, KELANCARAN DAN
PERTUMBUHAN KREDIT
YANG TERUS MENINGKAT
MENCAPAI 25 % (YEAR ON
YEAR)
The development in banking
industry is quite good
marked with the high level
of Capital Adequacy Ratio
maintained at 18% and
Non-Performing Loan below
5%. Banking intermediacy
is improving with the credit
flow and growth, which
increased to 25% (year on
year).
R. MAULANA IBRAHIM, MA
komisaris Utama
President Commissioner
Perekonomian dunia dalam dua tahun terakhir
In the past two years, the global economy has been
dinilai
cukup
in a quite alarming situation. European countries
mengkhawatirkan. Negara – negara Eropa, yang
which were considered to have a strong economic
selama ini dianggap memiliki ketahanan ekonomi
sustainability, apparently have not been able to
yang cukup kuat, masih belum bisa menyelesaikan
overcome the economic condition in several countries
kondisi ekonomi di beberapa negara anggota zone
in the euro currency zone especially Greece. Even the
mata uang Euro terutama di Yunani. Amerika Serikat
United States of America, which also considered as
yang juga dianggap sebagai salah satu negara
one of the countries that drives the global economy,
pendorong perekonomian dunia, masih juga belum
still has not settled their budget and international
bisa menyelesaikan defisit anggaran belanjanya
trade deficit, for example, with China.
dan
dalam
berbagai
perdagangan
gejolak
yang
internasionalnya,
contohnya
perdagangan dengan China.
22
Laporan Tahunan 2011
Growth and Quality
preFaCe
report of the president Commissioner
Namun berbagai krisis di Eropa dan Amerika Serikat
However, the crisis in Europe and the United States
masih belum mempunyai efek menular kepada
of America have not given any contagious effect to
negara – negara Asia. Perekonomian negara – negara
Asian countries. Asian countries’ economy grew quite
Asia terus tumbuh cukup kuat, misalnya di India
strong, for instance in India, China and Indonesia,
dan China. Indonesia, walaupun juga perdagangan
although there were some pressure on their foreign
luar negerinya mengalami tekanan, tetapi karena
trading but due to the fact that their economic growth is
pertumbuhan
faktor
supported by domestic factor, they still experienceda
konsumen domestik terus menjalani pertumbuhan
good growth. In 2011 the economic growth reached
yang cukup baik pada tahun 2011. Pertumbuhan
6.5% compared to 6.1% in 2010 whereas the stability
ekonomi mencapai 6.5% dibandingkan dengan
reflected on the inflation level that tend to decrease to
6.1% per tahun 2010. Tingkat inflasi menunjukan
3,79% (year on year).
ekonomi
didukung
oleh
kecenderungan yang menurun menjadi 3,79% (year
on year).
Perkembangan industri perbankan cukup baik yang
The development in banking