Laporan Tahunan 2016

Daftar Isi | Contents

Menembus Batas Membangun Negeri Through the Boundaries Build the Country

04

21

49

65

103

129

113

Kaleidoskop 2016 Kaleidoscope 2016

Laporan Manajemen Management Reports

Proil Perusahaan Company Proile

Transformasi BPD-SI BPD-SI Transformation

Tanggung Jawab Perusahaan Corporate Social Responsibility

Bantuan dan Sponsorship Assistance & Sponsorship

132

163

215

225

263

307

Analisa Analysis

Tinjauan Bisnis Business Highlights

Teknologi Informasi Dan Jaringan Information Technology and Network

Syariah Dan Human Capital Sharia & Human Capital

Kepatuhan Dan Manajemen Resiko Compliance And Risk Management

Surat Pernyataan Direksi dan Laporan Konsolidasi Directors Statements And Consolidate

Financials Statements

Surat Pernyataan Pimpinan

Chairmans’ Statement Letter

Laporan Auditor Independent

Independent Auditors’ Report

Laporan Posisi Keuangan Konsolidasian

Consolodated Statements of Financial Position

Laporan Laba Rugi dan Penghasilan komprehensif Lain Konsolidasian

Consolodated Statements of Proit or Loss and Other Compehensive Income

Laporan Perubahan Ekuitas Konsolidasian

Consolodated Statement of Changes in Equity

Laporan Arus Kas Konsolidasian

Consolodated Statements of Cash Flows

Catatan atas Laporan Keuangan Konsolidasian

Notes of the Consolidated Financial Statements

Lampiran

Appendix i

1

3

5 7

8 156

Menembus Batas

Membangun Negeri

Through the Boundaries

Build the Country

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

MENEMBUS BATAS

MEMBANGUN NEGERI

Merupakan cita-cita BPD Kaltim untuk dapat

menjadi Bank milik daerah yang benar-benar hadir dan menjangkau segala penjuru negeri hingga daerah perbatasan, memberikan pelayanan terbaik serta membawa manfaat bagi masyarakat banyak dalam pencapaian menuju regional champion. Begitu banyak batasan baik pada lingkup eksternal maupun internal yang harus ditembus dan ditaklukkan dalam rangka membawa BPD Kaltim mampu berperan aktif dalam pembangunan di daerah. Dari sisi geograis, BPD Kaltim telah berjuang untuk menembus batas dengan merintis pelayanan ke beberapa daerah di Kalimantan Timur dan Kalimantan Utara baik daerah pedalaman maupun daerah perbatasan negara yang belum tersentuh layanan Perbankan.

Represents the ideals of BPD Kaltim to become regional-owned Bank that truly present and reach out across the country to the border area, providing the best services and bring beneits to many communities in the achievement towards regional champion. So many restrictions both on external and internal scope that must be penetrated and conquered in order to bring BPD Kaltim to be able to play an active role in regional development. Geographically, BPD Kaltim has been struggling to penetrate the boundaries by pioneering services to several areas in East Kalimantan and North Borneo, both the hinterland as well as the state border area, that untouched by banking services.

Pengantar

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Perjalanan merintis yang tidak mudah, kondisi wilayah geograis Kalimantan Timur dan Kalimantan Utara yang luas serta berbatasan langsung dengan Negara tetangga Malaysia menjadi tantangan utama. Lokasi yang jauh dari kota, akses transportasi yang belum memadai dan proit yang belum menjanjikan adalah alasan banyak lembaga keuangan hanya berani tampil di kota. BPD Kaltim yang merupakan agen pembangunan, tetap hadir dengan tekad mendukung pembangunan dan perekonomian di daerah. Tekad yang kuat membuat semua menjadi nyata. Membangun jaringan kantor di tepian negeri yang dulu terlihat tidak mungkin, kini menjadi sebuah kenyataan. Kegiatan ekonomi yang dulu terasimilasi negara tetangga, kini perlahan mulai kembali pada sumbunya. Menjadi sebuah kebanggaan bahwa beberapa daerah yang tak pernah tersentuh layanan perbankan ternyata memiliki kekuatan ekonomi yang menjanjikan.

Tugas sebagai agen pembangunan bukan merupakan tugas yang mudah, mengingat Kalimantan Timur dan Kalimantan Utara merupakan Provinsi yang sangat besar. Tidak hanya itu, Kalimantan Timur dan Kalimantan Utara juga berada di beranda Negara Kesatuan Republik Indonesia (NKRI) yang berdampingan langsung dengan Negara Malaysia. Mendukung pemerintah dalam menggerakkan roda perekonomian demi meningkatkan kesejahteraan masyarakat dan pembangunan di daerah adalah tugas utama BPD Kaltim yang hadir sebagai lembaga keuangan yang kuat dan berani mengimplementasikan peran sebagai agen pembangunan secara nyata.

Diicult pioneering journey, North Kalimantan and East Kalimantan geographical regions conditions that are wide as well as immediately adjacent with neighboring countries, Malaysia, becomes a major challenge. The location that far from the city, inadequate transportation access and proit that yet promising is the reason of many inancial institutions exist only in the city. BPD Kaltim which is a development agency, remain present with determination to support development and regional economy. A strong determination to make all becomes real. Build a network of oices on the edge of the country that used to seem impossible, has now become a reality. The economic activities that used to be assimilated to the neighboring country, now slowly began to return to the source. It became the pride that some areas which are never touched by banking services appeared to have a promising economic strength.

Duties as agents of development is not easy, considering East Kalimantan and North Kalimantan is a very large province. Not only that, East Kalimantan and North Kalimantan was also on the porch of the Republic of Indonesia (NKRI) that directly adjacent to the Malaysia. Supports the the government in mobilizing the economy in order to improve people’s welfare and development in the region is the main task of BPD Kaltim, who attended as inancial institutions that strong and courageous to implement role as agents of development signiicantly.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Kesinambungan Tema

Theme Sustainability

Big Dream, Big Area, Big

Growth, Big Prosperity

BPD Kaltim menonjolkan cita-cita untuk bertransformasi menjadi lebih baik. Adapun fokus transformasi BPD Kaltim yaitu menjadi agen pembangunan di seluruh Daerah Kalimantan Timur dengan mencetuskan jargon “Kami Ada di Setiap Denyut Nadi Perekonomian Masyarakat Kaltim”. BPD Kaltim accentuate ideals to transform for the better. The focus of the BPD Kaltim transformation is to become agents development across the East Kalimantan by triggering jargon “We exist in Every Economic Pulse of East Kalimantan Society”.

Tagline yang diresmikan tahun 2013 ini diangkat menjadi tema Annual Report BPD Kaltim sebagai bentuk semangat Bank dalam memajukan Kalimantan dan membangun Indonesia. Berbagai pencapaian yang tertuang dalam Annual Report ini dibangun dalam kerangka tujuan menjadi Bank Regional Champion (BRC) yang berpedoman pada tiga pilar. Pilar pertama, Bank harus memiliki ketahanan kelembagaan yang kuat sehingga mampu beroperasi secara eisien. Pilar kedua dalam BRC menuntut BPD agar memiliki kemampuan sebagai agent of development guna mendukung pembangunan ekonomi daerah. Pilar ketiga adalah Bank harus memiliki kemampuan melayani kebutuhan masyarakat.

Tagline that was inaugurated in 2013, appointed to be the theme of the Annual Report of BPD Kaltim as a form of spirit of the Bank in advancing Kalimantan and developing Indonesia. Many achievements contained in this Annual Report is built within the framework of the goal of becoming the Regional Champion Bank (BRC) which are based on three pillars. The irst pillar, the Bank should have strong institutional resilience that able to operate eiciently. The second pillar in BRC demanding BPD to have the ability as an agent of development in order to support regional economic development. The third pillar is the Bank must have the ability to serve the needs of the community.

Memajukan Kalimantan,

Membangun Indonesia

Advance Kalimantan,

Develop Indonesia

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Tahun 2014 merupakan ambang Usia Emas bagi Bank Pembangunan Daerah Kalimantan Timur (BPD Kaltim). Usia yang tidak lagi muda, namun matang dan penuh pengalaman. Tak mudah menapaki waktu hingga akan mencapai usia 50 tahun. Namun, BPD Kaltim menjalaninya dengan kesungguhan berbakti pada negeri, bertekad memajukan Kalimantan dan membangun Indonesia. Sebagai representasi kesungguhan mengembangkan perusahaan yang membawa manfaat bagi seluruh masyarakat di Kalimantan Timur dan Kalimantan Utara.

Year 2014 is the Golden Age threshold for the East Kalimantan Regional Development Bank (BPD Kaltim). An age that no longer young, but mature and full of experience. Not easy to climbed up to reach the age of 50 year. However, BPD Kaltim through with the commitment to serve the country, committed to advancing Kalimantan and developing Indonesia. As a representation of seriousness in developing the company that brings beneits to the whole community in the North Kalimantan and East Kalimantan.

Komitmen Membangun Yang

Terbaik, Sinergitas di Tahun Emas

Commitment to Build The Best,

Synergy in the Golden years

Di usia ke-50 Tahun, Manajemen BPD Kaltim senantiasa menekankan pentingnya sinergitas dari seluruh elemen Bank dalam membangun yang terbaik dan memberikan yang terbaik kepada shareholder dan stakeholder. Sinergitas itu direleksikan ke dalam tiga hal utama yaitu niat dan tekad yang kuat untuk berkomitmen bersama membawa BPD Kaltim menjadi semakin besar di industri perbankan Tanah air, ikhlas dan tulus sepenuh hati dalam bekerja dengan mengharapkan keridhaan Tuhan Yang Maha Esa sehingga menjadi motivasi yang kuat untuk berkinerja dan meringankan langkah dalammerealisasikan Rencana Bisnis yang telah ditetapkan, serta memberikan hasil yang terbaik, yaitu setiap individu dapat memberikan sumbangsih yang optimal sehingga kiprah BPD Kaltim akan semakin optimal dalam mendukung pertumbuhan ekonomi dan pembangunan di Kalimantan Timur dan Kalimantan Utara.

At the age of 50 Years, The management of BPD Kaltim always stressed the importance of the synergy from all elements of the Bank in developing the best and give the best to shareholders and stakeholders. The synergy is relected in three main points namely the strong intention and determination to commit together to bring BPD Kaltim become greater in the country banking industry, sincere and honest wholeheartedly in the work by expecting good pleasure of God Almighty so it becomes strong motivation to perform and alleviate step in realizing the business plan has been established, as well as, provide the best results, that each individual can contribute to optimal so the gait of BPD Kaltim will be more optimal in supporting economic growth and development in East Kalimantan and North Kalimantan.

Sinergitas di Tahun Emas

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Ikhtisar Kinerja

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

As a form of seriousness of BPD Kaltim in building a region of North Kalimantan and East Kalimantan, this Bank which belongs to the people of North Kalimantan and East Kalimantan succeed won the award as The Winner of Best Banking Brand 2016 for Consumer Choice Title in Categories of Regional Development from Warta Ekonomi. This achievement is the result of quantitative research conducted by Warta Ekonomi by taking respondents from a number of major cities in Indonesia. This further strengthens the status of of BPD Kaltim as “Agent of Development”.

Sebagai bentuk kesungguhan BPD Kaltim dalam membangun wilayah Kalimantan Timur dan Kalimantan Utara, Bank milik masyarakat Kaltim-Kaltara ini berhasil meraih penghargaan sebagai The Winner of Best Banking Brand 2016 for Consumer

Choice Title Kategori Pembangunan

Daerah dari Warta Ekonomi. Prestasi ini merupakan hasil riset kuantitatif yang dilakukan oleh Warta Ekonomi dengan mengambil responden dari sejumlah kota besar di Indonesia. Hal ini semakin memperkuat status BPD Kaltim sebagai

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Sebagai apresiasi penerapan Good Corporate Governance di BPD Kaltim, pada akhir tahun 2016 BPD Kaltim menerima penghargaan sebagai Bank dengan GCG Terbaik pada Kategori Perusahaan (BUMD) di Indonesia dengan predikat Baik.

As an appreciation of Good Corporate Governance in BPD Kaltim, at the end of 2016 BPD Kaltim received the award as Bank with Best GCG in (Regional Owned Enterprises) Company Category in Indonesia with the “Good” predicate.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Net Income Increase 51,90%

Laba Bersih Meningkat 51,90%

2015

600,000

400,000

200,000

-2016

329,126

499,946

dalam jutaan rupiah

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Kredit yang diberikan

2012 2013 2014 2015 2016

dalam jutaan rupiah

(in million IDR) 14,892,090 19,429,820 17,950,263 16,330,536 14,815,675

20,000,000 15,000,000 10,000,000 5,000,000

-Aktiva Produktif

2012 2013 2014 2015 2016

dalam jutaan rupiah

(in million IDR) 27,941,694 25,127,305 26,752,568 20,577,075 20,242,575

30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000

-Total Aset

Total Assets

Earning Assets

Loans Granted

40,000,000

20,000,000

-2012 2013 2014 2015 2016

dalam jutaan rupiah

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Equity

Third-Party Funds

Ekuitas

2012 2013 2014 2015 2016

dalam jutaan rupiah (in million IDR)

3,509,319 3,851,241 3,541,805 3,526,369 4,260,064

4,500,000 4,000,000 3,500,000 3,000,000 2,500,000 2,000,000 1,500,000 1,000,000 500,000

-Dana Pihak Ketiga

2012 2013 2014 2015 2016

dalam jutaan rupiah (in million IDR)

26,165,319 21,371,645 22,800,074 15,741,713 14,621,009

30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000,000

-Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI BPD-SI Transformation Proil Perusahaan Company Proile Laporan Manajemen Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

KINERJA KEUANGAN | FINANCIAL PERFORMANCE

2016 2015 2014 2013 2012

NERACA (DALAM JUTAAN RUPIAH) | BALANCE SHEET (IN MILLION IDR)

NERACA | BALANCE SHEET

Total Aset | Total Assets 22,579,213 22,937,975 29,435,518 27,660,044 30,931,535 Aktiva Produktif *) | Earning Assets 20,242,575 20,577,075 26,752,568 25,127,305 27,941,694 Kredit yang diberikan | Loans 14,815,675 16,330,536 17,950,263 19,429,820 14,892,090 Dana Pihak Ketiga | Third Party Funds 14,621,009 15,741,713 22,800,074 21,371,645 26,165,319 Ekuitas | Equity 4,260,064 3,526,369 3,541,805 3,851,241 3,509,319

LABA/RUGI INCOME STATEMENT (in million IDR)

Pendapatan Bunga | Interest Income 2,246,365 2,724,495 2,219,182 2,674,723 2,162,973 Biaya Bunga | Interest Expenses 643,593 1,032,307 910,622 802,646 838,990 Pendapatan Operasional | Operating Income 145,317 147,588 171,800 221,126 154,291 Biaya Operasional | Operating Expenses 1,064,858 1,417,809 828,251 1,263,827 742,815 Pendapatan Non Operasional | Non Operating Income 1,603 27,499 15,365 43,378 13,211 Biaya Non Operasional | Non Operating Expenses 4,965 232 1,108 690 482 Laba Operasional | Net Operating Income 683,230 421,967 652,109 829,377 735,459 Laba (Rugi) Sebelum Pajak | Income before tax 679,869 449,235 666,366 872,065 748,188 Laba (Rugi) Setelah Pajak | Net Income 501,230 331,481 496,466 649,039 557,173 Hak Minoritas | Minority Interest 1,285 2,355 1,215 2,348 2,833 Laba Bersih Setelah Pajak & Hak Minoritas |

Net Income after tax & Minority Interest

499,946 329,126 495,251 646,691 554,340

RASIO KEUANGAN**) | FINANCIAL RATIO

Kredit yang Diberikan terhadap Dana Pihak Ketiga | Loan to Funding Ratio

101.17% 103.54% 78,54% 90,77% 56,92%

Rasio Kecukupan Modal | Capital Adequacy Ratio (CAR) 24.50% 19.85% 18,06% 19,03% 26,05% Ratio Kredit Bermasalah (Net) | Non Performing Loan

(Net)

1.98% 1.64% 2,55% 2,86% 4,3%

Margin Bunga Bersih | Net Interest Margin (NIM) 7.28% 6.03% 4,95% 6,77% 5,57% Beban Operasi terhadap Pendapatan Operasi | Operating

Expenses to Operating Income

78.97% 85.30% 80,39% 71,3% 65,53%

Laba sebelum Pajak terhadap Total Aktiva | Return on Assets (ROA)

2.99% 1.56% 2,61% 2,78% 2,77%

Laba Setelah Pajak terhadap Modal Sendiri | Return on Equity (ROE)

15.05% 10.35% 15,65% 18,83% 16,25%

KINERJA NON KEUANGAN | NON FINANCIAL PERFORMANCE

Jumlah Karyawan | Number of Employee 1922 1908 1857 1692 1472 Jumlah Jaringan Kantor | Number of Oices Network 251 230 211 193 161 Jumlah Jaringan ATM | Number of ATM Network 319 296 200 165 137 Kualiikasi Opini Auditor | Auditor Opinion Qualiication Wajar Tanpa

Pengecualian Unqualiied Opinion Wajar Tanpa Pengecualian Unqualiied Opinion Wajar Tanpa Pengecualian Unqualiied Opinion Wajar Tanpa Pengecualian Unqualiied Opinion Wajar Tanpa Pengecualian Unqualiied Opinion

Ikhtisar Keuangan

Financial Highlights

*) Komponen Aktiva Produktif adalah Penempatan pada Bank Indonesia dan Bank Lain, Kredit yang disalurkan, Surat-Surat Berharga dan Penyertaan **) Rasio keuangan realisasi bank

dalam jutaan rupiah

in million rupiah

*) Earning Assets component was located at Bank of Indonesia and other Banks, Loans, Obligations, and investment.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Capital Development Highlights

Ikhtisar Perkembangan Modal

Ikhtisar Perkembangan Modal | Capital Development Highlights

No Pemegang Saham | SHAREHOLDER Tanggal | Date Nominal | Nominal

1 Pemerintah Kabupaten Paser | Paser Regency Government 18-Mar-16 Rp 950,000,000.00 7-Dec-16 Rp 6,380,000,000.00 2 Pemerintah Provinsi Kalimantan Utara | North Kalimantan Provincial Government 31-Dec-16 Rp 150,000,000,000.00

Total Rp 157,330,000,000.00

dalam jutaan rupiah

in million rupiah

NO PEMEGANG SAHAM | SHAREHOLDERS

2016 2015

% Komposisi

Composition JumlahTotal CompositionKomposisi JumlahTotal

1 Pemerintah Provinsi Kaltim | Provincial Government of East Kalimantan 38.77% 1,161,715 38.78% 1,161,715 0.00% 2 Pemkab. Kutai Kartanegara | Regency Government of Kutai Kartanegara 15.12% 453,180 15.13% 453,180 0.00% 3 Pemkab. Berau | Regency Government of Berau 10.15% 304,165 10.15% 304,165 0.00% 4 Pemkab. Bulungan | Regency Government of Bulungan 8.34% 250,000 8.35% 250,000 0.00% 5 Pemkab. Tana Tidung | Regency Government of Tana Tidung 3.34% 100,100 3.34% 100,100 0.00% 6 Pemkab. Kutai Timur | Regency Government of East Kutai 3.29% 98,610 3.29% 98,610 0.00% 7 Pemkot. Balikpapan | City Government of Balikpapan 3.08% 92,320 3.08% 92,320 0.00% 8 Pemkab. Paser | Regency Government of Paser 2.81% 84,250 2.78% 83,300 1.14% 9 Pemkab. Malinau | Regency Government of Malinau 2.62% 78,390 2.62% 78,390 0.00% 10 Pemkab. Nunukan | Regency Government of Nunukan 2.48% 74,375 2.48% 74,375 0.00% 11 Pemkot. Tarakan | City Government of Tarakan 2.42% 72,630 2.42% 72,630 0.00% 12 Pemkot. Bontang | City Government of Bontang 2.12% 63,620 2.12% 63,620 0.00% 13 Pemkab. Penajam Paser Utara | Regency Government of North Penajam Paser 1.92% 57,600 1.92% 57,600 0.00% 14 Pemkab. Kutai Barat | Regency Government of West Kutai 1.86% 55,650 1.86% 55,650 0.00% 15 Pemkot. Samarinda | City Government of Samarinda 1.67% 49,925 1.67% 49,925 0.00%

JUMLAH MODAL DISETOR | Paid in Capital 100.00% 2,996,530 100.00% 2,995,580 0.03% 1) Per Desember 2016 (sumber Surat Otoritas Jasa Keuangan Nomor S-126/KO.093/2016 tanggal 30 Juni 2016) | As of December 2016 (source Financial Services Authority letter No. S-126 / KO.093 / 2016 dated June 30, 2016)

2) Per Desember 2015 (sumber Surat Otoritas Jasa Keuangan Nomor S-267/KO.13/2015 tanggal 31 Desember 2015) | As of December 2015 (source Financial Services Authority letter No. S-267 / KO.13 / 2015 dated December 31, 2015)

Perkembangan Modal Saham BPD Kalimantan Timur selama tahun 2016 sampai dengan posisi per 31 Desember 2016, tercatat Modal BPD Kaltim yang terdiri dari setoran modal Pemerintah Provinsi, Kota dan Kabupaten se-Kalimantan Timur dan Kalimantan Utara adalah sebesar Rp.3.210.030.000.000,- dengan tambahan setoran modal sebesar Rp.157.330.000.000,-, dengan rincian sebagai berikut:

Capital Stock Development of BPD Kaltim during 2016 up to the position as of December 31, 2016, Capital of BPD Kaltim recorded which consists of capital payment of the Provincial, City and County throughout North Kalimantan and East Kalimantan amounted to IDR 3,210,030,000,000 with an additional capital injection by Rp.157,330,000,000, with details as follows:

The increase in investment by the shareholders during the year 2016 which has been noted by the Financial Services Authority, the last in his letter No. S-126 / KO.093 / 2016 dated June 30, 2016 amounted to Rp.950.000.000, -, so that the number of paid-up capital per December 31, 2016 amounted to Rp.2.996.530.000.000, - or grew by 0.03% compared to Paid-in Capital as of December 2015, with the details as follows:

Penambahan setoran modal oleh pemegang saham selama tahun 2016 yang telah dicatat oleh Otoritas Jasa Keuangan, terakhir dengan suratnya Nomor: S-126/KO.093/2016 tanggal 30 Juni 2016 adalah sebesar Rp.950.000.000,-, sehingga jumlah Modal Disetor per 31 Desember 2016 adalah sebesar Rp.2.996.530.000.000,- atau tumbuh sebesar 0,03 % dibandingkan Modal Disetor per Desember 2015, dengan rincian sebagai berikut:

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

No Pemegang Saham | Shareholders Dana Setoran Modal | Paid in Capital Funds

1 Pemerintah Provinsi Kalimantan Timur | Provincial Government of East Kalimantan Rp50,000,000,000.00 2 Pemerintah Provinsi Kalimantan Utara | Provincial Government of North Kalimantan Rp150,000,000,000.00 3 Pemerintah Kabupaten Paser | District Government of Paser Rp6,380,000,000.00 4 Pemerintah Kota Balikpapan | City Government of Balikpapan Rp7,120,000,000.00

Total Rp213,500,000,000.00

No Pemegang Saham | Shareholders

Pencatatan Modal Saham

Registration of the share capital Total Modal Saham Total of Capital Stock

Lembar Saham Shares

% Saham % Stock Modal Disetor

Paid in Capital

DSM Capital Fund Deposit

1 Pemprov Kaltim | Provincial Government of East Kalimantan 1,161,715 50,000 1,211,715 242,343 37.75% 2 Pemkab Kukar | District Government of Kukar 453,180 453,180 90,636 14.12% 3 Pemkab Berau | District Government of Berau 304,165 304,165 60,833 9.48% 4 Pemkab Bulungan | District Government of Bulungan 250,000 250,000 50,000 7.79% 5 Pemprov Kaltara | Provincial Government of North Kalimantan - 150,000 150,000 30,000 4.67% 6 Pemkab Tana Tidung | District Government of Tana Tidung 100,100 100,100 20,020 3.12% 7 Pemkot Balikpapan | City Government of Balikpapan 92,320 7,120 99,440 19,888 3.10% 8 Pemkab Kutai | District Government of East Kutai 98,610 98,610 19,722 3.07% 9 Pemkab Paser | District Government of Paser 84,250 6,380 90,630 18,126 2.82% 10 Pemkab Malinau | District Government of Malinau 78,390 78,390 15,678 2.44% 11 Pemkab Nunukan | District Government of Nunukan 74,375 74,375 14,875 2.32% 12 Pemkot Tarakan | City Government of Tarakan 72,630 72,630 14,526 2.26% 13 Pemkot Bontang | City Government of Bontang 63,620 63,620 12,724 1.98% 14 Pemkab PPU | District Government of PPU 57,600 57,600 11,520 1.79% 15 Pemkab Kubar | District Government of West Kutai 55,650 55,650 11,130 1.73% 16 Pemkot Samarinda | City Government of Samarinda 49,925 49,925 9,985 1.56%

Total 2,996,530 213,500 3,210,030 642,006 100%

dalam jutaan rupiah

in million rupiah

Sementara untuk setoran modal dari Pemegang Saham yang masih tercatat sebagai Dana Setoran Modal (DSM) adalah sebesar Rp.213.500.000.000,- dengan rincian sebagai berikut:

As for the paid-in capital from shareholders who are still listed as Paid-in Capital Funds (DSM) amounted to IDR 213,500,000,000 with details as follows:

Thus in general, during 2016 there was an increase in Share Capital from the whole shareholders by IDR 157,330,000,000 or 5.15%, and the composition of shareholders per December 31, 2016, can be seen in the following details:

Dengan demikian secara umum, selama tahun 2016 terjadi peningkatan Modal Saham dari seluruh pemegang saham sebesar

Rp.157.330.000.000,-atau sebesar5,15 %, dan

komposisi Pemegang saham per 31 Desember 2016, dapat dilihat pada rincian sebagai berikut :

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

dalam jutaan rupiah

in million rupiah

No Pemegang Saham | Shareholders Perkembangan Modal Saham | Capital Stock Development

2012 2013 2014 2015 2016

1 Pemprov Kaltim | Provincial Government of East Kalimantan 1,161,715 1,161,715 1,161,715 1,211,715 1,211,715

2 Pemkab Kukar | District Government of Kukar 353,180 453,180 453,180 453,180 453,180

3 Pemkab Berau | District Government of Berau 174,165 204,165 204,165 304,165 304,165

4 Pemkab Bulungan | District Government of Bulungan 250,000 250,000 250,000 250,000 250,000

5 Pemprov Kaltara | _Kalimantan Provincial Government of North - - - - 150,000

6 Pemkab Tana Tidung | District Government of Tana Tidung 60,100 60,100 100,100 100,100 100,100

7 Pemkot Balikpapan | City Government of Balikpapan 73,755 73,755 92,320 99,440 99,440

8 Pemkab Kutim | District Government of East Kutai 61,610 85,110 85,110 98,610 98,610

9 Pemkab Paser | District Government of Paser 55,930 68,690 76,920 83,300 90,630

10 Pemkab Malinau | District Government of Malinau 78,390 78,390 78,390 78,390 78,390

11 Pemkab Nunukan | District Government of Nunukan 23,375 71,375 74,375 74,375 74,375

12 Pemkot Tarakan | City Government of Tarakan 72,630 72,630 72,630 72,630 72,630

13 Pemkot Bontang | City Government of Bontang 48,620 48,620 63,620 63,620 63,620

14 Pemkab PPU | District Government of PPU 40,600 40,600 40,600 57,600 57,600

15 Pemkab Kubar | District Government of West Kutai 40,830 50,950 50,950 55,650 55,650

16 Pemkot Samarinda | City Government of Samarinda 31,825 41,825 41,825 49,925 49,925

Total 2,526,725 2,761,105 2,845,900 3,052,700 3,210,030

Nominal Kenaikan | Total of Increment 496,460 234,380 84,795 206,800 157,330

% Kenaikan | Percentage of Increment 24.45% 9.28% 3.07% 7.27% 5.15%

catatan : Modal Saham 2011 adalah sebesar Rp. 2.030.265

Perkembangan Modal saham oleh seluruh pemegang saham dalam 5 tahun terakhir dapat dilihat pada tabel berikut:

Share capital development by all shareholders in the last 5 years can be seen in the following table:

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI BPD-SI Transformation Proil Perusahaan Company Proile Laporan Manajemen Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Perkembangan sejarah Peraturan Daerah tentang Modal Dasar BPD Kaltim ditunjukkan pada gambar berikut:

The historical development of the Provincial Regulation on the authorized capital of BPD Kaltim shown in the following igure:

PERDA NO. 02 Modal dasar: Rp 3,000,000 juta

Regional Regulation No.02 Authorized Capital : IDR 3,000,000 million

PERDA NO. 02 Modal dasar: Rp 1,000,000 juta

Regional Regulation No.02 Authorized Capital : IDR 1,000,000 million

PERDA NO. 02 Modal dasar: Rp 250,000 juta

Regional Regulation No.02 Authorized Capital : IDR 250,000 million

PERDA NO. 03 Modal dasar: Rp 50,000 juta

Regional Regulation No.03 Authorized Capital : IDR 50,000 million

PERDA No. 09 Modal dasar: Rp 25,000 juta

Regional Regulation No.09 Authorized Capital : IDR 25,000 million

PERDA NO. 04 Modal dasar: Rp 25,000 juta

Regional Regulation No.04 Authorized Capital : IDR 25,000 million

PERDA NO. 03 Modal dasar: Rp 10,000 juta

Regional Regulation No.03 Authorized Capital : IDR 10,000 million

PERDA NO. 06 Modal dasar: Rp 1,750 juta

Regional Regulation No.06 Authorized Capital : IDR 1,750 million

PERDA NO. 04 Modal dasar: Rp 500 juta

Regional Regulation No.04 Authorized Capital : IDR 500 million

PERDA NO. 03 Modal dasar: Rp 100 juta

Regional Regulation No.03 Authorized Capital : IDR 100 million

2010 2006 2002 1996 1992 1990 1983 1977 1972 1964

2016 PERDA NO. 08 Modal dasar: Rp 10,000,000 juta_{Regional Regulation No.08 Authorized Capital : IDR 10,000,000 million}

Komposisi Pemegang Saham

Pemprov Kalimantan Timur | Provincial Government of East Kalimantan

Pemkab Kutai Kartanegara | District Government of Kutai kartanegara

Pemkab Berau | District Government of Berau

Pemkab Bulungan | District Government of Bulungan

Pemprov Kaltara | Provincial Government of North Kalimantan

Pemkab Tana Tidung | District Government of Tana Tidung

Pemkot Balikpapan | City Government of Balikpapan

Pemkab Kutai Timur | District Government of East Kutai

Pemkab Paser | District Government of Paser

Pemkab Malinau | District Government of Malinau

Pemkab Nunukan | District Government of Nunukan

Pemkot Tarakan | City Government of Tarakan

Pemkot Bontang | City Government of Bontang

Pemkab Penajam Paser Utara | District Government of Penajam Paser Utara

Pemkab Kutai Barat | District Government of West Kutai

Pemkot Samarinda | City Government of Samarinda

37.75% 14,12% 9,48% 7,79% 4,67% 3,12% 3,10% 3,07% 2,44% 2,82% 2,32% 2,26% 1,98% _1,79% 1,73% 1,56%

Shareholders Composition

Kaleidoskop 2016

Kaleidoscope 2016

Peristiwa Penting Selama Tahun 2016

Important Events During 2016

Penghargaan yang diraih Selama Tahun 2016

Awards Achieved During 2016

23

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Peristiwa Penting Selama Tahun 2016

Peristiwa Penting Selama Tahun 2016

Important Events During 2016

Kaltim Bershalawat

12 Januari

Samarinda – Tabliq Akbar “Kaltim Bershalawat” kembali digelar, Selasa malam, di Stadion Madya Sempaja Samarinda. Kegiatan yang digelar kerjasama Bank Pembangunan Daerah Kalimantan Timur dan Pemerintah Provinsi Kalimantan Timur tersebut digelar dalam rangka memperingati HUT Pemprov Kaltim yang ke 59.

“Kaltim Bershalawat” January, 12th

Samarinda - Tabliq Akbar “Kaltim Bershalawat” was held again on Tuesday night, in the Madya Sempaja Stadium, Samarinda. Activities that held in cooperation of the Regional Development Bank of East Kalimantan and East Kalimantan provincial government, was held in commemoration of the anniversary of the 59th East Kalimantan provincial government.

BI Kaltim Open Cash Courier in Tanjung Redeb January, 15th

Bank Indonesia Representative Oice in East Kalimantan Province opened the Cash Courier Oice in Tanjung Redeb. Opening of Cash Courier was marked by the signing of Cooperation by the Chief Representative of Bank Indonesia Kaltim, Mawardi B.H Ritonga, and Branch Manager of BPD Kaltim Tanjung Redeb, Amuniantoyo

BI Kaltim Buka Kas Titipan di Tanjung Redeb

15 Januari

Bank Indonesia Kantor Perwakilan Provinsi Kalimantan Timur membuka Kantor Kas Titipan di Tanjung Redeb. Pembukaan Kantor Kas Titipan tersebut ditandai dengan Penandatanganan Kerjasama (PKS) oleh Kepala Perwakilan Bank Indonesia Kaltim Mawardi B.H Ritonga dan Pemimpin Cabang BPD Kaltim Tanjung Redeb Amuniantoyo.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

BPD Kaltim Raih Penghargaan InMA 2016

9 Februari

Majalah Bankaltimedia dari BPD Kaltim berhasil meraih penghargaan “Bronze Winner” pada ajang The 5th SPS “Indonesia Inhouse Magazine Award” (InMA) Tahun 2016 yang diselenggarakan Serikat Perusahaan Pers (SPS), untuk kategori BUMN/ BUMD. Penghargaan ini diserahkan langsung oleh Ketua Umum SPS Pusat Dahlan Iskan kepada Pemimpin Departemen Hubungan Korporasi BPD Kaltim R. Adi Sugiarto di Hotel Golden Palace, Mataram, Lombok.

BPD Kaltim Sponsori Turnamen Piala Gubernur Kaltim

27 Februari

BPD Kaltim punya alasan sendiri untuk menjadi sponsor utama Turnamen Piala Gubernur Kaltim (PGK). Pada turnamen ini, BPD Kaltim menjadi sponsor kategori platinum dengan kontribusi Rp 5 miliar. Memiliki reputasi setara bank nasional menjadi visi BPD Kaltim, selain menjadi The True Regional Champion dari Kalimantan melalui produk, layanan. Hal inilah yang melatari kesediaan BPD Kaltim menjadi sponsor utama Turnamen Piala Gubernur Kaltim.

BPD Kaltim Win INMA 2016 Awards February, 9th

Bankaltimedia Magazine of BPD Kaltim successfully awarded the “Bronze Winner” at The 5th SPS “Indonesia Inhouse Magazine Award” (INMA) 2016 event that held by United Company Press (SPS), in the category of SOE / ROE. The award was given directly by the Chairman of the SPS Centre Dahlan Iskan to the Chief of Corporate Relations Department of BPD Kaltim R. Adi Sugiarto in Golden Palace Hotel, Mataram, Lombok.

BPD Kaltim Sponsored the East Kalimantan Governor Cup Tournament

February 27th

BPD Kaltim have own reasons for being The main sponsor of East Kalimantan Governor Cup Tournament (PGK). In this tournament, BPD Kaltim being platinum sponsor category with the contribution amounted to IDR 5 billion. Has similar reputation to National Bank being the visions of BPD Kaltim, in addition of being The True Regional Champion of Kalimantan through the products and services. That underlie the willingness of BPD Kaltim become the main sponsor of East Kalimantan Governor Cup Tournament.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Bankaltim on Customer

12 Maret

BPD Kaltim mengadakan kegiatan gathering

kepada warga Kaltim Kaltara. BOC (Bankaltim

on Customer) ini dirangkai dengan beberapa

kegiatan, yaitu undian Tabungan Prama dan Prama iB yang berhadiah total Rp1 miliar, serta undian poin berkah yang berhadiah Umroh bagi 48 pemenang. Selain undian tabungan prama dan poin berkah, Bankaltim juga melaunching kartu kredit co branding Bank Mandiri

Bankaltim on Customer March 12th

BPD Kaltim held a gathering activities to Kaltim Kaltara citizens. The BOC is coupled with several activities, namely Prama and Prama iB Savings lottery which total prize amounted to IDR 1 billion, as well as sweepstakes points blessing with Umroh prizes for 48 winners. In addition to lottery of Prama savings and points blessing, Bankaltim also launching Credit card co branding Bank Mandiri.

Peletakan Batu Pertama Pembangunan ATM Drive Thru Bersama Kantor Gubernur

7 Maret

Pembangunan Anjungan Tunai Mandiri (ATM) Drive Thru bersama, berlokasi di Halaman Parkir Kantor Gubernur Kaltim Jalan Gajah Mada Samarinda resmi dimulai, yang ditandai peletakan batu pertama oleh Gubernur Kaltim Dr H Awang Faroek Ishak.

Laying the irst stone of the Building of Governor Oice Shared Drive Thru ATM

March 7th

Building of shared Drive Thru Automated Teller Machine (ATM), located in East Kalimantan Governor Oice Parking Area, Gajah Mada Street, Samarinda, oicially started, which marked by laying the irst stone by East Kalimantan Governor Dr H Awang Faroek Ishak.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Peresmian Kantor Cabang Pembantu Sei. Menggaris

22 Maret

BPD Kaltim meresmikan sekaligus membuka Kantor Cabang Pembantu (KCP) Sei Menggaris di Desa Serinanti yang diresmikan oleh Wakil Bupati Nunukan Hj. Asmah Gani. Direktur BPD Kaltim Zainuddin Fanani menyebutkan bahwa cita-cita BPD Kaltim adalah ingin menjadi pioneer dalam memberikan pelayanan perbankan kepada masyarakat di daerah-daerah terpencil.

Inauguration of Sub Branch Oice Sei Menggaris March 22th

BPD Kaltim inaugurated and opened Sub Branch Oice (KCP) Sei Menggaris in Serinanti Village which was inaugurated by the Vice Regent, Hj. Asmah Gani. Director of BPD Kaltim, Fanani Zainuddin, said that BPD Kaltim ideals is to become a pioneer in providing banking services to communities in remote areas.

Peresmian Kantor Cabang Pembantu Tabang

29 Maret

BPD Kaltim terus berupaya memaksimalkan pelayanannya kepada masyarakat. Salah satunya, dengan membuka Kantor Cabang Pembantu (Capem) Tabang, yang terletak di wilayah Desa Bila Talang, Kecamatan Tabang. Dengan begitu, kini Bankaltim benar-benar melayani warga di 12 Kecamatan se-Kutai Kartanegara (Kukar).

Inauguration of Sub Branch Oice Tabang March 29th

BPD Kaltim continues to maximize its service to the community. One of them, by opening a Sub Branch Oice (KCP) Tabang, located in the Bila Talang village area, Tabang District. Therefore, Bankaltim now actually serve people in 12 District throughout Kutai Kartanegara (Kukar).

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

BPD Kaltim Lantik Sembilan Pejabat Eksekutif

19 April

Sebagai salah satu upaya penyegaran organisasi dan peningkatan kinerja, Selasa (19/4) pukul 16.00 WITA bertempat di Ruang Serbaguna Gedung BPD Kaltim Kantor Pusat, telah dilakukan pelantikan dan serah terima jabatan atas 9 (sembilan) orang Pejabat Eksekutif Bank yang terdiri atas Pemimpin Divisi Human Capital, Pjs. Pemimpin Divisi Kepatuhan dan Manajemen Risiko, Pjs. Pemimpin Cabang Utama Samarinda, Pjs. Pemimpin Cabang Tana Paser, Pemimpin Cabang Tenggarong, Pjs. Pemimpin Cabang Tanjung Redeb, Pjs. Pemimpin Cabang Sangatta, Pemimpin Cabang Malinau dan Pemimpin Cabang Tideng Pale.

Bankaltim Sendawar Tambah Kantor Kas Baru

29 Maret

Sebagai Upaya Untuk meningkatkan pelayanan, BPD Kaltim Cabang Sendawar terus memperluas jaringannya. Teranyar, bank pelat merah itu membuka empat kantor kas baru. Tersebar di empat wilayah, yakni Kecamatan Tering, Damai, Muara Pahu, dan Penyinggahan. Peresmian Kantor Kantor Kas itu ditandai dengan Pengguntingan pita oleh Wabup H. Didik Efendi didampingi Pemimpin BPD Kaltim Cabang Sendawar Haris Harsono serta Anggota DPRD Kubar Zainuddin Thalib, dan disaksikan undangan yang hadir.

Bankaltim Sendawar Add a New Cash Oice March 29th

As an efort to improve services, BPD Kaltim Sendawar Branch continues to expand their network. Latest, the state-owned bank open four new cash oice. spread over four regions, namely District Tering, Damai, Muara Pahu, and Penyinggahan. The inauguration of Cash Oices are marked with a ribbon cutting by Vice Regent H. Didik Efendi accompanied by Chief of BPD Kaltim Sendawar Branch, Haris Harsono, as well as Member of Kubar Parliament Zainuddin Talib, and was witnessed by invitees.

BPD Kaltim Inaugurates Nine Executive Oicer April 19th

As an efort for organization refreshment and performance improvements, Tuesday (19/4) at 16.00 WITA that held at Multipurpose Room, BPD Kaltim Headquarters Building, has done inauguration and transfer of position on 9 (nine) Executive Oicers of the Bank which consists of Chief Division of Human Capital, Act. Chief Division of Compliance and Risk Management, Act. Main Branch Manager of Samarinda, Act. Branch Manager of Tana Paser, Branch Manager of Tenggarong, Act. Branch Manager of Tanjung Redeb, Act. Branch Manager of Sangatta, Branch Manager of Malinau and Branch Manager of Tideng Pale.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

BPD Kaltim Gandeng Komunitas 1000 Guru Samarinda

6-8 Mei

“Memajukan Kalimantan Membangun Indonesia”, Bankaltim terus bergerak menyapa dan berbagi dengan seluruh masyarakat di Kalimantan Timur dan Kalimantan Utara. Dan untuk kedua kalinya, Bankaltim kembali bersinergi dengan komunitas peduli pendidikan pedalaman yaitu 1000 Guru Samarinda untuk membagikan tas baru kepada anak-anak di pedalaman Kabupaten Kutai Timur.

BPD Kaltim Cooperate with 1000 Teachers Community of Samarinda

6th to 8th May

“Advance Kalimantan Develope Indonesia”,

Bankaltim continues to move greeting and sharing with all communities in East Kalimantan and North Kalimantan. And for the second time, Bankaltim back together with hinterland education care community which is 1000 Teachers of Samarinda to distribute new bags to children in the hinterland of East Kutai Regency.

BPD Kaltim Perluas Jangkauan Hingga Kecamatan Tana Lia

19 Mei

BPD Kaltim terus berupaya meningkatkan jaringan layanan. Daerah-daerah terpencil paling menjadi perhatian. Teranyar, BPD Kaltim membuka kantor kas baru di Kecamatan Tana Lia Kabupaten Tana Tidung

BPD Kaltim Expands scope To Subdistrict Tana Lia May 19th

BPD Kaltim continues working to improve the service network. Remote areas become the most concern. Latest, BPD Kaltim opened a new cash oice in the District of Tana Lia, Tana Tidung Regency.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Sosialisasi Agen Edukasi BPD Kaltim 2016

26 Juni

Kegiatan bertema “Mengenal Industri Jasa Keuangan dan Perencanaan serta pengelolaan keuangan” ini dilaksanakan pada tanggal 26 Juni di Aula Serbaguna Kantor Pusat BPD Kaltim dan diikuti oleh 395 mahasiswa dari Universitas Mulawarman. Sosialisasi untuk Agen Edukasi ini adalah yang kedua kalinya dilaksanakan oleh BPD Kaltim. Mahasiswa yang mengikuti sosialisasi ini diharapkan dapat menjadi agen edukasi dalam rangka membangun pemahaman masyarakat dan meningkatkan literasi keuangan terkait bidang tugas keuangan dan perbankan pada masyarakat.

Resmikan Pasar Ramadhan, BPD Kaltim Serahkan Gerobak Sampah

6 Juni

Pasar Ramadhan diyakini bisa menjadi peluang usaha bagi pelaku UKM. Pasalnya saat Ramadhan tiba, sejumlah warga memanfaatkan momen itu untuk berjualan makanan dan minuman untuk mendapatkan penghasilan tambahan, khususnya bagi Ibu Rumah Tangga (IRT). Lantaran hal itulah, BPD Kaltim dan Pemkot Samarinda resmi membuka Pasar Ramadhan di Lapangan Parkir GOR Segiri. Selain itu BPD Kaltim juga menyerahkan gerobak sampah secara simbolis sebagai bagian dari Corporate Social Responsibility (CSR).

Inaugurated Ramadhan Market, BPD Kaltim Submit Garbage Carts

June 6th

Ramadan Market is believed to be a business opportunity for SMEs. The reason is when Ramadan arrived, a number of people use that moment to sell food and drink to earn extra income, especially for Housewife (IRT). Because of that, BPD Kaltim and Samarinda City Government oicially opened Ramadhan Market in Parking Lot of Segiri Sport Hall. Besides BPD Kaltim also submit garbage cart symbolically as part of Corporate Social Responsibility (CSR).

Socialization Education Agent of BPD Kaltim 2016 June 26th

Activities themed “Understanding the Financial Services Industry and Financial Planning and Management” was held on 26 June at the Multipurpose Hall of the Central Oice BPD Kaltim and attended by 395 students from the University of Mulawarman. Socialization for this Education Agent was the second held by BPD Kaltim. Students who follow this socialization expected to be an agent of education in order to build public understanding and improve inancial literacy related to the ield of inance and banking tasks in society.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Peresmian Kantor Kas Syariah Rapak Dalam

20 Juli

Dalam rangka mengembangkan bisnis sekaligus meningkatkan mutu layanan kepada para nasabah, BPD Kaltim Syariah menambah lagi jaringan kantor kas syariah Rapak Dalam di wilayah Samarinda Seberang dan Kantor Kas Syariah KM 5 Tanjung Redeb. Kegiatan pembukaan dan peresmian yang dilaksanakan di Kantor Kas Syariah Rapak Dalam, beralamatkan di Jl. Pattimura No.007, Kelurahan Rapak Dalam Kecamatan Samarinda Seberang yang secara simbolis lewat pemotongan pita, peresmian kantor kas ini dilakukan Ignatius Harry Sutadi, perwakilan Kecamatan Loa Janan Ilir didampingi Direktur Utama BPD Kaltim Zainuddin Fanani.

Inauguration of Sharia Cash Unit Rapak Dalam July 20th

In order to develop the business and improve the quality of service to the customers, BPD Kaltim Sharia add more network of sharia cash oice at Rapak Dalam, Samarinda Seberang region and Sharia Cash Unit KM 5 Tanjung Redeb. Opening and inauguration event was held at the Rapak Dalam Sharia Cash Oice, at Pattimura St. No.007, Rapak Dalam Village, the District of Samarinda Seberang which symbolically marked by a ribbon cutting, the cash oice inauguration was done by Ignatius Harry Sutadi, representatives of the District of Loa Janan Ilir, accompanied by the President Director of BPD Kaltim Zainuddin Fanani.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

BPD Kaltim Dukung Green Tenggarong dalam Festival EIFAF

25 Agustus

Selain diisi atraksi seni budaya, Erau dan International Folk Art Festival (EIFAF) 2016 juga diwarnai dengan aksi penghijauan yang diberi nama Green Tenggarong. Dalam upaya menghijaukan kawasan waduk Sukarame Tenggarong dan mengurangi efek dari Pemanasan Global yang saat ini melanda dunia, Dinas Kebudayaan dan Pariwisata Kukar bekerja sama dengan Bankaltim mengadakan acara Green Tenggarong yang kegiatannya dipusatkan di obyek wisata Waduk Panji Sukarame. Aksi penghijauan berupa penanaman bibit pohon buah-buahan ini melibatkan seluruh anggota delegasi mancanegara peserta EIFAF 2016 dari 9 negara.

BPD Kaltim Support Green Tenggarong in EIFAF Festival

August 25th

Besides illed by art and cultural attractions, Erau and International Folk Art Festival (EIFAF) 2016 also colored with the greening action named Green Tenggarong. Besides illed art and cultural attractions, Erau and International Folk Art Festival (EIFAF) 2016 also colored with the greening action named Green Tenggarong. In an efort to greening the Sukarame Tenggarong reservoir area and mitigate the efects of Global Warming which is currently sweeping the world, Kukar Department of Culture and Tourism work together with Bankaltim hold Green Tenggarong events whose activities centered in the tourism of Panji Sukarame Reservoir. Greening action in the form of seed planting of fruit trees, involving all members of foreign delegations of EIFAF 2016 participants from 9 countries.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Bankaltim berikan jaminan Atlet PON berupa Asuransi BPJS Ketenagakerjaan selama 6 bulan

30 Agustus

Demi melindungi seluruh atlet dari cedera, pada April lalu mereka diproteksi oleh KONI Kaltim melalui asuransi kesehatan Bumi Putra, hingga perhelatan PON XIX/2016 Jawa Barat, September bergulir. Pada selasa (30/8) Bankaltim kembali mengulurkan bantuan kepada atlet yang akan mengharumkan benua etam di kancah nasional itu, melalui asuransi BPJS 6 (enam) bulan ke depan.

BPD Kaltim Juara II PR Inspirasional

31 Agustus

BPD Kaltim meraih juara II, Kategori BUMD dalam Kompetisi Program Public Relations (PR) Inspirasional IPRAS, 2016, garapan Serikat Perusahaan Pers (SPS). Juara I ditempati PLN Batam dan Juara III diisi Bank Sumut. Acara IPRAS dan IMRAS 2016 ini berlangsung di Hotel Aston Semarang, Rabu (31/8/2016), malam. Penghargaan ini diterima Pimpinan Sekretariat Perusahaan BPD Kaltim, Abdul Haris Sahilin.

Bankaltim give assurance to the PON Athletes in the form of Employment BPJS Insurance for 6 months August 30th

In order to protect all athletes from injury, in April they were protected by Koni Kaltim through Bumi Putra health insurance, until the event of PON XIX / 2016 Jawa Barat, September, running. On Tuesday (30/8) Bankaltim once again provide assistance to athletes who will brought up the name of Etam continent in the national arena, through 6 (six) months BPJS insurance.

BPD Kaltim Runner Up PR Inspiration August 31th

BPD Kaltim won the second place, Categories of ROE in the Public Relations (PR) Inspirational IPRAS Program Competition, 2016, courtesy of States Company of Press (SPS). First Winner occupied by PLN Batam and third place occupied by the Bank of North Sumatra. IPRAS and IMRAS 2016 event took place in Hotel Aston Semarang, on Wednesday (2016/08/31) night. This award was received by Chairman of the Corporate Secretary of BPD Kaltim, Abdul Haris Sahilin.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Serah Terima Jabatan Dewan Pengawas Syariah

1 September

Keberadaan Dewan Pengawas Syariah (DPS) diatur dalam Peraturan Bank Indonesia (PBI) Nomor 8/3/PBI/2006, tentang Perubahan Kegiatan Usaha Bank Umum Konvensional Menjadi Bank Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah dan Pembukaan Kantor Bank yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah oleh Bank Umum Konvensional. BPD Kaltim Syariah dengan motto “Solusi Membawa Berkah” berkantor di jalan Achmad Yani No.31 Samarinda ini telah melakukan kegiatan Serah terima jabatan Ketua Dewan Pengawas Syariah yang lama K.H. Fakhruddin Wahab Syachranie, M.Th kepada Mursyid S.Ag, M.Si untuk masa jabatan 2016-2019.

Transfer of Sharia Supervisory Board Position September 1st

The existence of the Sharia Supervisory Board (DPS) is regulated in Bank Indonesia Regulation (PBI) No. 8/3/PBI/2006, concerning Conversion of Business of Conventional Commercial Bank to Commercial Banks Conducting Business Based on Sharia Principles and Opening of Bank Oices Conducting Business Based on Sharia Principles by Conventional Commercial Bank. BPD Kaltim Sharia with the motto, “Solutions Brings Blessings” that based on Achmad Yani 31 street Samarinda, has been conducting handover of the Sharia Supervisory Board Chairman from K.H. Fakhruddin Wahab Syachranie, M.Th to Murshid S.Ag, M.Si for the period of 2016-2019.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

BPD Kaltim Resmikan Kantor Kas Pemkab Berau

1 September

Dalam meningkatkan pelayanan dan kemudahan bertransaksi, serta mendukung Program Pembangunan Ekonomi Kalimantan, khususnya Kabupaten Berau, melalui jangkauan layanan BPD Kaltim yang sampai dipelosok daerah. BPD Kaltim Cabang Tanjung Redeb kembali membuka Kantor Kas dikompleks Kantor Bupati Berau, Kamis(1/9).

BPD Kaltim Inaugurates Berau Regency Cash Oice September 1st

In improving the service and ease of transaction, as well as supporting the Economic Development Program of Kalimantan, Berau district in particular, through a range of services to remote areas of BPD Kaltim, BPD Kaltim Branch of Tanjung Redeb reopen Cash Oice in Berau Regent Oice complex, Thursday (1/9).

Hari Pelanggan, Dua Direksi BPD Kaltim Layani Nasabah

5 September

Kantor BPD Kaltim Cabang Utama Samarinda, Jalan Jenderal Sudirman No.33 Samarinda, menyediakan hidangan kue, minuman, dan suvenir menarik. Semuanya tersedia di ruang utama pelayanan. Tampak hadir Direktur Syariah dan Human Capital BPD Kaltim Hairuzzaman, Direktur Pemasaran BPD Kaltim Ismunandar Azis. Inilah saatnya pelanggan menjadi raja atau tamu yang dihormati. Ya, pada 4 September merupakan Hari Pelanggan Nasional atau Customer Day. Lazimnya, setiap kantor atau perusahaan akan memberikan pelayanan terbaik demi kepuasan konsumennya. Tak terkecuali dengan BPD Kaltim.

Customer Day, Two Directors of BPD Kaltim Serve customer

September 5th

BPD Kaltim Main Branch Oice of Samarinda, Sudirman Street 33 Samarinda, providing pastry, drinks, and interesting souvenirs. Everything is available in the main service hall. It was attended by the Director of Sharia and Human Capital of BPD Kaltim Hairuzzaman, Director of Marketing of BPD Kaltim Ismunandar Azis. This is when the customer becomes king or an honored guest. Yes, on September 4th is the National Customer Day or Customer Day. Typically, every oice or company will provide the best services for the satisfaction of its customers. No exception with BPD Kaltim.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

BPD Kaltim Raih Penghargaan PR Indonesia Kategori Korporasi Lokal Perbankan dan Layanan Publik

6 Oktober

Kalimantan PR INDONESIA Media Relations Awards (KALPRIMAS) 2016 adalah sebuah ajang penghargaan bagi Pemerintah dan Korporasi Lokal di Bidang Perbankan dan Fasilitas Umum Regional Kalimantan dengan pencapaian media exposure tertinggi di 20 media cetak nasional sepanjang tahun 2015. Pengukuran media exposure ini dilakukan oleh PT ISENTIA yang merupakan mitra kerja Majalah PR INDONESIA. Dari hasil pengukuran media exposure oleh PT ISENTIA melalui monitoring media cetak nasional sepanjang Tahun 2015, BPD Kaltim berhasil sebagai salah satu pemenang KALPRIMAS 2016 Kategori Korporasi Lokal Perbankan dan Layanan Publik.

BPD Kaltim Wins PR Indonesia Categories of Local Corporate Banking and Public Services

October 6th

Kalimantan PR INDONESIA Media Relations Awards (KALPRIMAS) 2016 is an awards event for the Government and Local Corporations in Banking and Regional Public Facilities of Kalimantan with the highest media exposure achievement in 20 national print media throughout 2015. This exposure Media Measurement conducted by PT ISENTIA who work as partners of PR INDONESIA Magazine. From the measurement of media exposure by PT ISENTIA through monitoring of the national print media throughout 2015, BPD Kaltim managed to become one of the winners of KALPRIMAS 2016 in the Category of Local Corporate Banking and Public Services.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

BPD Kaltim Raih Penghargaan ICSB Indonesia Presidential Award 2016

13 Oktober

BPD Kaltim memperoleh penghargaan International Council for Small Business (ICSB) Indonesia Presidential Award 2016 untuk kategori Business Practitioner dalam penyelenggaraan acara Gebyar UKM Indonesia 2016 gelaran MarkPlus di Aula Gedung Walikota Balikpapan. Penghargaan ini diperoleh BPD Kaltim atas dedikasi dan komitmennya dalam mendukung kemajuan Usaha Kecil Menengah (UKM) di Kaltim Kaltara seperti program Wisata Belanja (Wisbel) dan Kredit 4 Sejahtera (Ternak Sejahtera, Sawit Sejahtera, Pangan Sejahtera & Perikanan Sejahtera).

BPD Kaltim Wins ICSB Indonesia Presidential Award 2016

October 13th

BPD Kaltim awarded International Council for Small Business (ICSB) Indonesia Presidential Award 2016 for the category of Business Practitioner in the event of “Gebyar UKM Indonesia 2016” by MarkPlus in Balikpapan Mayor Hall Building. This award was obtained by BPD Kaltim for their dedication and commitment in supporting the progress of Small and Medium Enterprises (SMEs) in East Kalimantan and North Kalimantan such as Shopping Tourism (Wisbel) program and Credit 4 Prosperous (Prosperous Livestock, Prosperous Palm Oil, Prosperous Food & Prosperous Fisheries).

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

BPD Kaltim Raih Penghargaan Anugerah Perbankan Indonesia

13 Oktober

BPD Kaltim berhasil meraih penghargaan Anugerah Perbankan Indonesia V 2016 (APBI V 2016), yang digelar Majalah Economic Review bekerjasama dengan Perbanas Institute. Anugerah Perbankan Indonesia 2016 merupakan bentuk apresiasi penghargaan tertinggi kepada bank-bank di Indonesia, baik Bank Swasta, Bank BUMN, Bank Syariah, maupun Bank Pembangunan Daerah (BPD) yang telah berhasil meningkatkan kontribusi yang signiikan bagi pengembangan bisnis, pasar modal, investasi dan perekonomian di Indonesia. BPD Kaltim didaulat sebagai peringat IV bank terbaik kategori bank buku II dengan aset antara Rp 10 s/d <Rp 25 triliun, yang dicapai dengan perolehan antara lain Peringkat I di bidang Corporate Social Responsibility (CSR) dan Peringkat I di bidang Information & Teknologi.

BPD Kaltim Wins Indonesian Banking Award October 13th

BPD Kaltim was awarded the Indonesian Banking Award V 2016 (APBI V 2016), which was held by Economic Review magazine in collaboration with the Perbanas Institute. Indonesian Banking Award 2016 is a highest award appreciation form to banks in Indonesia, either private banks, state-owned bank, Bank Syariah, as well as the Regional Development Bank (BPD) which have been increasingly signiicant contribution to business development, capital markets, investment and economy in Indonesia. BPD Kaltim appointed as ranked fourth of the best bank category of II books bank with assets between IDR 10 to < IDR 25 trillion, which is achieved by the achievement of among others as the irst rank in the ield of Corporate Social Responsibility (CSR) and the irst rank in the ield of Information & Technology.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Bankaltim Menuju Perseroan Terbatas: Perda Perubahan Badan Hukum telah disetujui DPRD Kaltim

4 November

Status BPD Kaltim yang saat ini sebagai perusahaan daerah (Perusda) tinggal menunggu proses untuk menjadi Perseroan Terbatas (PT). Ketua pansus perubahan status BPD Kaltim DPRD Kaltim, Herwan Susanto di Samarinda, mengatakan masih ada beberapa tahapan yang harus diselesaikan terkait peralihan status bankaltim. Namun pihaknya telah menyampaikan hasil kerja inal pansus tersebut yaitu Perda Perubahan Badan Hukum BPD Kaltim dan telah disetujui dalam Rapat Paripurna ke-30 DPRD Kaltim.

Inauguration of the Members of the Supervisory Board of BPD Kaltim

October 25th

East Kalimantan Governor Awang Farouk Ishak inaugurated Rusmadi, East Kalimantan Provincial Secretary, as a member of Non Independent Supervisory Board of BPD Kaltim, and Nazrin, Head of Economic Agencies of East Kalimantan Provincial Government as member of the Secretariat of the Supervisory Board of BPD Kaltim at Lamin Etam.

Pelantikan Anggota Dewan Pengawas BPD Kaltim

25 Oktober

Gubernur Kaltim Awang Farouk Ishak melantik Rusmadi Sekda Provinsi Kaltim sebagai anggota Dewan Pengawas Non Independen BPD Kaltim, dan Nazrin, Karo Ekonomi Pemprov Kaltim sebagai anggota Sekretariat Dewan Pengawas BPD Kaltim di Lamin Etam.

Bankaltim Towards Limited Liability Company: Regional Regulation on Legal Entity Changes has been approved by DPRD Kaltim

November 4th

BPD Kaltim status today as a regional company (Perusda) are just waiting for the process to be a Limited Liability Company (PT). Chairman of the Special Committee of status changes BPD Kaltim DPRD Kaltim, Herwan Susanto in Samarinda, said there are still some steps that need to be resolved related to Bankaltim transitional status. But his party has submitted the inal work of the special committee namely Regional Regulation on Legal Entity Changes of BPD Kaltim and has been approved in the 30th Plenary Session of the East Kalimantan Parliament.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

BPD Kaltim Presents Drive Thru ATM in Sendawar November 5th

BPD Kaltim always present in the community with innovations in the ield of the latest services. As in West Kutai, for the irst time, BPD Kaltim bring Drive Thru ATM. Inauguration of ATM Drive Thru done by Regent of West Kutai, FX Yapan along with Vice Regent West Kutai, H. Edyanto Arkan, Chairman of Parliament West Kutai, Jhon Tawi, West Kutai cabinet secretary, Drs. Aminuddin, and also President Director of BPD Kaltim, Zainuddin Fanani along with Chief of BPD Kaltim Branch Sendawar, Haris Harsono.

BPD Kaltim Hadirkan ATM Drive Thru di Sendawar

5 November

BPD Kaltim selalu hadir ditengah masyarakat dengan melakukan inovasi dibidang pelayanan yang terbaru. Seperti di Kabupaten Kutai Barat untuk pertama kalinya, BPD Kaltim menghadirkan ATM Drive Thru. Peresmian ATM Drive Thru dilakukan oleh Bupati Kutai Barat, FX Yapan beserta Wakil Bupati Kubar, H. Edyanto Arkan, Ketua DPRD Kubar, Jhon Tawi, Sekkab Kubar, Drs. Aminuddin, dan juga Direktur Utama BPD Kaltim, Zainuddin Fanani beserta Pemimpin BPD Kaltim Cabang Sendawar, Haris Harsono.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Pembekalan & Inaugurasi Beasiswa Bankaltim Prima 2016

24 November

Bertempat di Aula Serbaguna Gedung Kantor Pusat BPD Kaltim Jalan Jendral Sudirman No.33 Samarinda dilaksanakan kegiatan Pembekalan & Inaugurasi Penerima Beasiswa Bankaltim Prima Periode II Tahun 2016, Kamis (24/11). Pembekalan bagi penerima Beasiswa Bankaltim Prima 2016 ini dilaksanakan selama dua hari mulai Tanggal 24- 25 November 2016. Pada hari pertama kepada 50 penerima beasiswa dibekali Pengetahuan dan soft skill antara lain seperti pengenalan Bankaltim, Communication Skill, Literasi dan edukasi Keuangan oleh OJK Kaltim, Personal Branding and Motivation, serta program dan kegiatan CSR BPD Kaltim.

Brieing & Inauguration of Bankaltim Prima Scholarship 2016

November 24th

Located at the Multipurpose Hall Building of BPD Kaltim Headquarters, carried out brieing & inauguration activities for Recipients of Prima Bankaltim Scholarship Period II 2016, Thursday (24/11). Brieing for Bankaltim Prima 2016 Scholars held for two days from 24th to 25th November, 2016. On the irst day, 50 grantee equipped with knowledge and soft skills among others such as the introduction of Bankaltim, Communication Skill, Financial Literacy and education by East Kalimantan FSA, Personal Branding and Motivation, as well as the programs and activities of BPD Kaltim CSR.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Bankaltim FunFestival 2016

25-27 November

Bankaltim Fun Festival atau yang di singkat menjadi BFF adalah merupakan kegiatan Project Challenge bagi penerima beasiswa bankaltim prima. Beasiswa bankaltim prima sendiri adalah program CSR BPD Kaltim di bidang pendidikan bagi para mahasiswa/i berprestasi yang tengah menempuh pendidikan semester 4 pada tingkat pendidikan Strata I (S1)/Diploma 4 dari semua disiplin ilmu yang ada di Kaltim Kaltara. Rangkaian acara ini diselenggarakan mulai tanggal 25-27 November 2017 dengan berbagai kegiatan diantaranya Talk Show, Kuliner, Lomba Mewarnai, Acoustic Competition, Community Performance, Games, Best Tenant, 227 Photo Contest dan Hiburan Lainnya.

Bankaltim Fun Festival 2016 25th to 27th November

Bankaltim Fun Festival or in short became BFF is a Project Challenge activity for bankaltim prima scholarship recipients. Bankaltim prima scholarships itself is one CSR program of BPD Kaltim in the ield of education for outstanding students who is in the middle of the 4th semester education at the educational level of Strata I (S1) / Diploma 4 of all disciplines in East Kalimantan and North Kalimantan. The event was held on 25-27 November 2016 with various activities including Talk Show, Culinary, coloring competition, Acoustic Competition, Community Performance, Games, Best Tenant, 227 Photo Contest, and other Entertainment.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

GCG Award 2016, BPD Kaltim Raih Predikat BUMD Terbaik se-Indonesia

7 Desember

Prestasi membanggakan kembali diraih BPD Kaltim. Bertempat di Ballroom Balai Kartini, Jalan Jenderal Gatot Subroto Kav. 37 Jakarta Selatan, BPD Kaltim meraih Predikat Baik (B) di ajang penghargaan yang diselenggarakan Economic Review dalam rangka Indonesia GCG Award II 2016, Rabu (7/12/2016). BPD Kaltim yang diwakili Direktur Kepatuhan Andi Hadiwijaya menerima penghargaan untuk kategori Perusahaan BUMD dengan GCG terbaik di Indonesia dan memperoleh Predikat B. Ajang penghargaan ini merupakan apresiasi penghargaan tertinggi yang diberikan kepada perusahaan yang memiliki GCG di Indonesia. Hal ini dinilai dari lintas beberapa sektor Industri Perusahaan Nasional di Indonesia.

GCG Award 2016, BPD Kaltim Achieves Indonesia’s Best ROE Predicate

December 7th

Proud achievement once again achieved by BPD Kaltim. Located at Balai Kartini Ballroom, on Jenderal Gatot Subroto Street Kav. 37 South Jakarta, BPD Kaltim won Good (B) Predicate at an award event held by Economic Review in the context of Indonesian GCG Award II in 2016, on Wednesday (07/12/2016). BPD Kaltim represented by the Director of Compliance Andi Hadiwijaya received the award for ROE Company category with the best GCG in Indonesia and obtaining Predicate B. The award is the highest appreciation award which is given to companies that have GCG in Indonesia. This was judged from across multiple industry sectors of National Company in Indonesia.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

BPD Kaltim Raih “The Winner of Best Banking Brand 2016 for Consumer Choice Title”

16 Desember

Satu lagi prestasi diraih BPD Kaltim berhasil meraih penghargaan sebagai The Winner of Best Banking Brand 2016 for Consumer Choice Title Kategori Pembangunan Daerah dari Warta Ekonomi. Penghargaan diberikan oleh Pemimpin Redaksi Warta Ekonomi Muhammad Ihsan dan Kepala Pengawasan II Otoritas Jasa Keuangan (OJK) Arya Setiadi kepada Direktur Utama BPD Kaltim Zainuddin Fanani di Hotel Pullman, Jakarta pada Jumat (16/12) malam. Raihan prestasi ini merupakan hasil riset kuantitatif yang dilakukan oleh Warta Ekonomi dengan mengambil responden dari sejumlah kota-kota besar di wilayah Indonesia.

BPD Kaltim Achieves “The Winner of Best Banking Brand 2016 for Consumer Choice Title”

Desember 16th

One more accomplishment achieved, BPD Kaltim was awarded The Winner of Best Banking Brand 2016 for Consumer Choice Title Category of Regional Development from the Warta Ekonomi. The award was given by the Chief Editor of Warta Ekonomi Muhammad Ihsan and Head of Supervision II Financial Services Authority (FSA) Arya Setiadi to the President Director of BPD Kaltim Zainuddin Fanani at the Pullman Hotel, Jakarta on Friday (16/12) night. This achievement is the result of quantitative research conducted by the Warta Ekonomi by taking the respondents from a number of towns in the region of Indonesia.

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Economic Review - GCG Awards - Predikat Baik (B)

Economic Review - Peringkat 1 Information & Technology Economic Review - Peringkat 1 Corporate Social Responsibility

Economic Review - Peringkat 4 Anugerah Perbankan Indonesia V 2016

Economic Review - GCG Awards – Good (B) Predicate

Economic Review – 1st Rank Corporate Social Responsibility

Economic Review – 4th Rank Indonesian Banking Award V 2016

Economic Review – 1st Rank Information & Technology

Penghargaan yang diraih Selama Tahun 2016

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

The Winner of Best Banking Brand 2016 for Consumer Choice Title Kategori Pembangunan

Daerah

Pemenang Kedua - Kompetisi program PR Inspirasional (SPS)

The Best of State Own Enterprise Inhouse Magazine (InMA) 2016

Pemenang Pertama-Kalimantan PR Indonesia Media Relations Awards &

Summit (KALPRIMAS) 2016 ICS Indonesia Presidential Award Kategori

Bussiness Practicioner (ICSB)

The Winner of Best Banking Brand 2016 for Consumer Choice Title Category of Regional Development

ICS Indonesia Presidential Award Category of Bussiness Practicioner (ICSB)

Runner Up – Inspirational PR Program (SPS) Competition

The Best of State Own Enterprise Inhouse Magazine (InMA) 2016

First place winner-Kalimantan PR Indonesia Media Relations Awards & Summit (KALPRIMAS) 2016

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI

BPD-SI Transformation Proil Perusahaan

Company Proile Laporan Manajemen

Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Laporan Manajemen

Management Reports

Laporan Dewan Pengawas

Board of Supervisors Reports

Laporan Direksi

Board Of Directors Report

52

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Sulaiman Gafur

Ketua Dewan Pengawas

Tanggung Jawab Perusahaan Company Responsibilities TransformasI BPD-SI BPD-SI Transformation Proil Perusahaan Company Proile Laporan Manajemen Management Reports Kaleidoskop 2016

Kaleidoscope of 2016 Menembus Batas Membangun Negeri

Through the Boundaries Build the Country

Para Pemegang Saham dan Pemangku

Kepentingan yang terhormat,

Ekonomi Indonesia tahun 2016 tumbuh 5,02 persen lebih tinggi dibanding capaian tahun 2015 sebesar 4,79 persen. Dari sisi produksi, pertumbuhan tertinggi dicapai oleh Lapangan Usaha Jasa Keuangan dan Asuransi sebesar 8,90 persen, bila dibandingkan triwulan IV-2015 (y-on-y) tumbuh 4,94 persen. Kelompok provinsi di Pulau Jawa memberikan kontribusi terbesar terhadap Produk Domestik Bruto, yakni sebesar 58,49 persen, diikuti oleh Pulau Sumatera sebesar 22,03 persen, dan Pulau Kalimantan 7,85 persen. Berdasarkan publikasi Badan Pusat Statistik Kalimantan Timur, Kinerja ekonomi Kalimantan Timur Triwulan IV-2016 mengalami peningkatan sebesar 2,64 persen bila dibandingkan triwulan sebelumnya (q-to-q), namun apabila dibandingkan dengan triwulan yang sama tahun 2015 mengalami kontraksi sebesar negatif 0,30 persen (y-on-y). Secara kumulatif, pertumbuhan ekonomi Kalimantan Timur dari Triwulan I hingga Triwulan IV-2016 dibandingkan dengan periode yang sama tahun 2015 mengalami kontraksi sebesar negatif 0,38 persen (c-to-c). Hal ini dipengaruhi oleh penurunan kinerja Lapangan Usaha Pertambangan dan Penggalian yang terkoreksi sebesar negatif 1,67 persen, Konstruksi (-2,07 persen), Administrasi Pemerintahan (-15,13 persen), Jasa Perusahaan (-2,36 persen), Rela Estate (-1,74 persen) dan Jasa Keuangan (-1,50 persen).

Tidak dapat dipungkiri bahwa kondisi ekonomi yang terjadi selama tahun 2016, membawa dampak yang sangat signiikan bagi kinerja BPD Kaltim Tahun 2016. Dewan Pengawas menilai Manajemen telah melaksanakan tugasnya dengan cukup baik, hal ini tercermin dari pencapaian kinerja keuangan pada tahun 2016 ini yang cukup memuaskan walaupun masih ada beberapa pos yang tidak tumbuh positif. Perhatian pada sektor-sektor ekonomi yang riskan seperti pertambangan (migas dan nonmigas) maupun pengolahan perlu diolah secara mendalam untuk mengantisipasi dampak yang masih terasa di tahun-tahun mendatang. Meningkatkan sektor produktif khususnya UMKM juga menjadi salah satu arahan Dewan Pengawas untuk dapat diimplementasikan secara bertahap oleh Manajemen.

Laporan Dewan Pengawas

Honored Shareholders and Stakeholders,

Indonesian Economy in 2016 grew 5.02 percent higher than the achievement in 2015 amounted to 4,79 percent. On the production side, highest growth achieved by Financial Services and Insurance Business Sector amounting to 8.90 percent, when compared to the fourth quarter of 2015 (y-on-y) grew 4.94 percent. A group of provinces in Java Island had the highest contribution to the GDP, which amounted to 58.49 percent, followed by Sumatra Island by 22.03 percent, and Kalimantan Island by 7.85 percent.

Based on the publication of East Kalimantan Central Statistics Agency, East Kalimantan economic performance in Quarter IV-2016 increased by 2.64 percent when compared to the previous quarter (q-to-q), but when compared to the same quarter in 2015 contracted by negative 0.30 percent (y-on-y). Cumulatively, the economic growth in East Kalimantan from Quarter I to Quarter IV-2016 compared to the same period in 2015 contracted by negative 0.38 percent (c-to-c). This is inluenced by the decline in the performance of the Field of Mining and Quarrying which corrected by a negative 1.67 percent, Construction (-2.07 per cent), Government Administration (-15.13 percent), Service Companies (-2.36 percent), Real Estate (-1.74 percent) and Financial Services (-1.50 percent).

It is inevitable that the economic conditions occurred during 2016, bringing very signiicant impact on the performance of BPD Kaltim In 2016. The Supervisory Board considers that management has implemented its job well enough, relected in the inancial performance in 2016 is satisfactory although there are still some post which is not grow positively. Attention to economic sectors which is risky such as mining (oil & gas and non oil & gas) as well as processing need to be processed in depth to anticipate the impact that is still felt in the years to come. Improving the productive sector, especially SMEs also became one Supervisory Board directives to be implemented gradually by the Management.

Bantuan & Sponsorship Assistance & Sponsorship

Teknologi Informasi dan Jaringan Information Technology and Network

Kepatuhan dan Manajemen Resiko Compliance and Risk Management Syariah dan Human Capital

Sharia and Human Capital Tinjauan Bisnis

Business Highlights Analisa

Analysis

Supervisory Boards continue to support management’s determination to objectiied BPD Kaltim as The True Regional Champion through its product quality, services and reputation which is equivalent to the national bank. Therefore, in accordance with the transformation program of all of BPDs in Indonesia, which has been declared by the President of the Republic of Indonesia in 2015, BPD Kaltim must change the business mindset. BPD Kaltim is no longer a king in his own home but become competitive participants in the national and even international banking competition. This is driven by the Supervisory Boards in their duty which is responsible for supervising the implementation of duties and responsibilities, as well as providing advices to the Boards by directing, monitoring, and evaluating the implementation of the bank’s strategic policies.

Good Corporate Governance (GCG)

In performing its supervisory function, the Supervisory Board is assisted by three (3) Committee namely the Audit Committee, Risk Monitoring Committee, and the Remuneration and Nomination Committee. The appointment of the Committee member done by the last Board of Directors through the Board’s decision letter No. 012/SK/BPD-PST/ II/2016 about The Determination of Membership of the Audit Committee, Risk Monitoring Committee and Remuneration and Nomination Committee of East Kalimantan Regional Development Bank which was amended in the Decree of the Board of Directors No. 0121 / SK / BPD-PST / VI / 2016 about Determination of Audit Committee, Risk Monitoring Committee as well as the Remuneration and Nomination Committee of East Kalimantan Regional Development Bank. Currently Chairman of the Audit Committee and Risk Monitoring Committee is held by Mr. Mardeksyah Bajurie and Remuneration Committee and Nomination Committee chaired by Mr. Sulaiman Gafur.

Board of Supervisor and Committee which has been formed execute tasks efectively, among others sets general policy, run the monitoring, control and guidance based the provisions of legislation and regulations, and ensure the implementation of GCG in every bank’s business activities at all levels of the organization. Regularly, Board of Supervisor implement meeting at least 1 (one) time in a month and hold regular meetings with Board of Directors at least 1 (one) time within 3 (three) months. Dewan Pengawas senantiasa mendukung

tekad Manajemen untuk mewujudkan BPD Kaltim sebagai The True Regional Champion melalui kualitas produk, layanan dan reputasi setara Bank Nasional. Untuk itu, sesuai dengan program transformasi BPD Seluruh Indonesia yang telah dicanangkan oleh Presiden Republik Indonesia di tahun 2015, BPD Kaltim harus turut merubah mindset bisnis, tidak lagi menjadi raja di rumah sendiri namun menjadi peserta yang kompetitif dalam persaingan perbankan nasional bahkan internasional. Hal ini didorong oleh Dewan Pengawas yang dalam tugasnya bertanggungjawab untuk melakukan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi, serta memberikan nasihat kepada Direksi dengan mengarahkan, memantau, dan mengevaluasi pelaksanaan kebijakan strategis Bank.

Pelaksanaan Tata Kelola Perusahaan

yang Baik

Dalam melaksanakan fungsi pengawasan, Dewan Pengawas dibantu oleh 3 (tiga) Komite yakni Komite Audit, Komite Pemantau Risiko, serta Komite Remunerasi dan Nominasi. Pengangkatan anggota Komite dilakukan Direksi terakhir melalui Surat keputusan Direksi Nomor 012/SK/BPD-PST/II/2016 Tentang Penetapan Keanggotaan Komite Audit, Komite Pemantau Risiko Serta Komite Remunerasi dan Nominasi Bank Pembangunan Daerah Kalimantan Timur yang kemudian diubah dalam Surat Keputusan Direksi Nomor 0121/SK/BPD-PST/VI/2016 Tentang Penetapan Keanggotaan Komite Audit, Komite Pemantau Risiko Serta Komite Remunerasi dan Nominasi Bank Pembangunan Daerah Kalimantan Timur. Saat ini Ketua Komite Audit dan Komite Pemantau Risiko dijabat oleh Sdr. Mardeksyah Bajurie serta Komite Remunerasi dan Nominasi diketuai oleh Sdr. Sulaiman Gafur. Dewan Pengawas dan Komite yang telah dibentuk menjalankan tugas-tugas dengan efektif antara lain menetapkan kebijakan umum, menjalankan pengawasan, pengendalian dan pembinaan berdasarkan ketentuan peraturan perundang-undangan yang berlaku serta memastikan terselenggaranya pelaksanaan GCG dalam setiap kegiatan usaha bank pada seluruh tingkatan atau jenjang organisasi. Secara rutin Dewan Pengawas melaksanakan rapat minimal 1 (satu) kali dalam sebulan serta rapat rutin minimal 1 (satu) kali dalam 3 (tiga) bulan bersama Direksi.

Laporan Tahunan 2016 | BANKALTIM

165

Halaman ini sengaja dikosongkan

This page is intentionally left blank

Laporan Tahunan 2016 | BANKALTIM

167

Halaman ini sengaja dikosongkan

This page is intentionally left blank