Laporan Tahunan 2007
Laporan Tahunan 2007 Annual Report
LA P OR A N TA HU N A N A N N U A L R E P OR T 2 0 0 7
Mayapada Tower, Ground Floor - 2nd Floor
J l. J end. Sudirm an kav. 28
J akarta 12920 - Indones ia
Bank Mayapada
Kantor Pus at & Kantor Pus at Operas ional
Phone. : (021) 521- 2300, 521- 2288
E- m ail : m ayapada@bankm ayapada.com
http://www.bankm ayapada.com
LI
TY
QU A
: 65019 MAYA IA
A SS URE
D
ISO
9002
RM
: (021) 521- 1985, 521- 1995
Telex
FI
Fax.
Daftar Is i
Table of Contents
01 |
02 |
05 |
07 |
09 |
12 |
13 |
14 |
15 |
17 |
20 |
35 |
41 |
42 |
43 |
Vis i dan Mis i
Vis ion & Mis s ion
Indentitas Perus ahaan
Com pany Identity
Data Keuangan Penting
Financial Highlights
Sam butan dari Dewan Kom is aris
Mes s age from the Board of Com m is s ioners
Sam butan dari Dewan Direks i
Mes s age from the Board of Directors
Struktur Kelom pok Us aha Yang Terkait
Dengan Kepem ilikan Saham Bank
Shareholding Structure
Struktur Organis as i
Organizational Structure
Manajem en
Managem ent
Daftar Riwayat Hidup Dewan Kom is aris
Res um e of the Board of Com m is s ioners
Daftar Riwayat Hidup Dewan Direks i
Res um e of the Board of Directors
Tinjauan Keuangan Tahun 2007
Financial Review of 2007
Rencana Bis nis Tahun 2008
Bus ines s Plan for 2008
Alam at Kantor
Office Addres s es
Produk dan J as a
Products & Services
Laporan Keuangan dan
Laporan Auditor Independen
Financial Report and
Independent Auditor’s Report
Vis i dan Mis i
Vis ion and Mis s ion
Vis i
Menjadi salah satu bank swasta terkem uka di Indonesia
dalam nilai as et, profitabilitas , dan tingkat kes ehatan.
Mis i
Vis ion
Mem pertahankan operas ional bank yang s ehat dan
m em berikan nilai tam bah m aks im um kepada nas abah,
karyawan, pem egang s aham , dan pem erintah.
To be one of the m ain leading private banks in Indones ia
in term of as s ets , profitability and s oundnes s .
Mis s ion
To m aintain a s ound banking operation and provide
m axim um added value to our cus tom ers , em ployees ,
s hareholders and the governm ent.
01
Indentitas Perus ahaan
Corporate Identity
Ikhtis ar Harga Saham
Stock Price Highlights
Nama Per us ahaan Name of Company
PT Bank Mayapada Internas ional, Tbk.
Pembentukan Per us ahaan Founded
10 J anuari 1990
Kepemilikan (per 31 Des ember 2007)
Owner s hip (as of December 31,2007)
PT Mayapada Karunia
14,14%
PT Mayapada Kas ih
9,84%
Brilliant Bazzar Lim ited Ltd
7,76%
Sum m ertim e Ltd
24,43%
UBS AG
3,84%
Dubai Ventures Ltd
7,68%
Avenue Luxem bourgh S.A.R.L
23,03%
Mas yarakat (< 5%)
9,27%
Bidang Us aha Line of Bus ines s
Perbankan Banking
Kode Saham Stock
MAYA
Kode Obligas i Bond
MAYA01B
MAYA02A, MAYA02B, MAYA02C
Biro Adminis tr as i Efek Share Regis tr ar
PT. Adim itra Trans ferindo
J l. Bukit Gading Raya Blok A No.7
Kelapa Gading Barat
J akarta Utara 14
Alamat Addres s
Mayapada Tower Lantai GF – 1s t Fl.
J l. J end. Sudirm an Kav. 28
J akarta 12920 - Indones ia
Telp.
021 521 2288 (Hunting)
021 521 2300 (Hunting)
Fax.
021 521 1965
E- m ail. m ayapada@bankm ayapada.com
www.bankm ayapada.com
02
03
ikhtis ar Saham
Stock Highlights
Da ta Ke ua nga n Pe nting Fina ncia l Highlights
(in Rp. 000.000,-)
Harga Saham
Share Pr ice
Triwulan
Triwulan
Triwulan
Triwulan
Ter tinggi
Higher
Pertam a Firs t Quarter
Kedua Second Quarter
Ketiga Third Quarter
Keem pat Fourth Quarter
2006
145
235
265
530
Terendah
Lowes t
Ter tinggi
Higher
120
130
175
200
600
680
740
960
2007
Terendah
Lowes t
450
500
550
580
Kiner ja Saham Share Per for mance
2006
2007
Harga Tertinggi Highes t Price
Harga Terendah Lowes t Price
Harga Akhir Tahun Year- End Price
Nilai Buku per Saham Book Value per Share
Laba per Saham Earnings per Share
530
120
530
288
28,09
960
450
960
369
18,90
Kepemilikan Efek yang mencapai 5% atau lebih. Stock owner s hip of more than 5%.
No.
1.
2.
3.
4.
5.
6.
Data Pemegang Saham
Shareholder Name
Kebangs aan
Nationality
J umlah Saham
Total Shares
% Kepemilikan
% Owner s hip
Brilliant Bazaar Pte Lim ited
Mayapada Karunia PT
Mayapada Kas ih PT
Sum m ertim e Lim ited
Dubai Ventures Ltd
Avenue Luxem bourgh S.A.R.L.
Lem baga
Lem baga
Lem baga
Lem baga
Lem baga
Lem baga
200.000.000
364.280.500
253.540.000
629.420.000
197.900.000
593.500.000
7,76%
14,14%
9,84%
24,43%
7,68%
23,03%
As ing Foreign Ins titution
Indones ia Indones ia Ins titution
Indones ia Indones ia Ins titution
As ing Foreign Ins titution
As ing Foreign Ins titution
As ing Foreign Ins titution
Kepemilikan Efek oleh Direks i dan Komis ar is . Stock Owner s hip by Board of Director s and Board of Commis s ioner s .
04
No.
Nama
Name
J abatan
Pos ition
J umlah Kepemilikan
Total of Owner s hip
% Kepemilikan
% Owner s hip
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Tahir. MBA
Drs . Nas rudin Sum intapura. MA
Ir. Kum hal Djam il. SE
Tj. Sudarm an, MBA
Ir. Hendra
J ane Dewi Tahir
Hariyono Tjahjarijadi
Suwandy
Hariati Tupang
Drs . Bam bang Rahardjo
Ir. Vins ens ius Chandra. MM
Kom is aris Utam a Pres ident Com m is s ioner
Kom is aris Com m is s ioner
Kom is aris Com m is s ioner
Kom is aris Com m is s ioner
Direktur Utam a Pres ident Director
Wakil Direktur Utam a Vice Pres ident Director
Direktur Director
Direktur Director
Direktur Director
Direktur Director
Direktur Director
12.150.000
0
0
0
0
3.000.000
0
0
0
0
0
0,94%
0,00%
0,00%
0,00%
0,00%
0,23%
0,00%
0,00%
0,00%
0,00%
0,00%
Ner aca Balance Sheets
2007
2006
2005
2004
2003
Aktiva Lancar Liquid As s ets
Aktiva Produktif Earnings As s ets
Penyis ihan Aktiva Produktif Allowance for Pos s ible Los s es
Pinjam an Loans
J um lah Aktiva Total As s ets
910.307
4.133.599
47.717
3.068.060
4.474.878
522.344
3.028.846
45.575
2.536.246
3.699.865
429.282
2.349.734
40.817
2.064.757
3.155.554
339.453
1.861.037
41.235
1.588.187
2.556.260
237.256
1.692.650
29.086
1.548.059
2.330.055
Dana Pihak Ketiga Depos its
J um lah Kewajiban Total Liabilities
Ekuitas Equities
2.953.339
3.533.226
941.652
2.973.665
3.328.594
371.271
2.507.376
2.823.343
332.211
2.153.849
2.238.553
317.707
2.002.679
2.049.485
280.570
2007
2006
2005
2004
2003
497.384
275.949
11.391
135.029
482.950
326.611
7.618
103.926
315.919
197.427
9.971
104.226
-
255.739
131.582
18.058
78.434
50.129
328.697
219.112
8.148
78.455
58.946
52.899
23.831
25.426*)
22.413
2007
2006
2005
2004
2003
103,88%
85,35%
82,35%
73,74%
77,30%
29,95%
13,82%
14,24%
14,43%
13,68%
1,46%
5,81%
29,08%
20,34%
7,24%
6,85%
88,46%
0,11%
100,00%
1,55%
10,65%
69,94%
14,12%
9,80%
6,16%
88,91%
0,34%
109,93%
0,84%
5,29%
71,55%
13,60%
11,20%
5,74%
92,65%
1,30%
122,85%
2,11%
13,11%
80,46%
13,28%
7,21%
7,24%
81,27%
1,03%
151,61%
0,94%
2,08%
67,03%
10,18%
7,45%
6,44%
93,40%
0,64%
114,26%
0.14%
0,48%
0,21%
0,65%
1,32%
1,79%
1,90%
3,11%
4,16%
4,68%
Lapor an Laba Rugi Income Statements
Pendapatan Bunga Interes t Incom e
Biaya Bunga Interes t Expens e
Pendapatan Operas ional Lainnya Other Operating Incom e
Beban Operas ional Lainnya Other Operating Expens e
Laba/Rugi Sebelum Quas i- Reorganis as i
Profit/Los s Before Quas i- Reorganis ation
Laba/Rugi Sebelum pajak Profit/Los s Before Incom e Tax
*) laba/Rugi Setelah Quas i- Reorganis as i 31 Mei 2004
Profit/Los s after Quas i- reorganis ation 31 May 2004
Ras io Keuangan Financial Ratios
Ras io Pinjam an terhadap Dana Pihak Ketiga
Loan to Depos its Ratio/LDR
Ras io Kecukupan Modal Minim um
Capital Adequacy Ratio/CAR
Ras io Laba terhadap Total Aktiva Return on As s ets /ROA
Ras io Laba terhadap Modal Return on Equity/ROE
Ras io Aktiva terhadap Modal As s ets to Capital Ratio
Aktiva Lancar/Total Aktiva Liquid As s ets /Total As s ets
Cos t of Fund
Ras io NIM NIM Ratio
Ras io BOPO BOPO Ratio
Ras io Pos is i Devis a Neto Net Forex Pos ition Ratio
Ras io PPAP yang s udah Dibentuk terhadap PPAP yang
wajib dibentuk Exis ting PPAP to Obligatory PPAP Ratio
NPL Neto
NPL Gros s
05
Sam butan dari Dewan Kom is aris
Mes s age from the Board of Com m is s ioners
Kla s ifika s i Aktiva Pr oduktif Cla s s ifica tion of Ea r ning As s e ts
Kolektibilitas Collectibility
(Rp. 000.000,-)
%
Lancar Pas s
Dalam Perhatian Khus us Special Mention
Kurang Lancar Subs tandard
Diragukan Doubtful
Macet Los s
2.558.212
254.239
242.040
1.879
11.690
83,38%
8,29%
7,89%
0,06%
0,38%
J umlah Total
3.068.060
100,00%
Per tumbuhan 5 tahun 5 Year s Growth (Rp. 000.000.000,-)
(in Rp. 000.000.000,-)
J um lah Aktiva Total As s ets
Pinjam an Loans
Dana Pihak Ketiga Depos its
Ekuitas Equities
2003
2004
2005
2006
2007
2.330,1
1.548,1
2.002,7
280,6
2.556,2
1.588,2
2.153,8
317,7
3.155,6
2.064,8
2.507,4
332,2
3.699,9
2.536,2
2.973,7
371,3
4.474,9
3.068,1
2.953,3
941,7
5,000.0
J um lah Aktiva
4,500.0
(Total As s ets )
4,000.0
3,500.0
Pinjam an
(Loans )
3,000.0
2,500.0
Dana Pihak Ketiga
2,000.0
(Depos its )
1,500.0
1000.0
Ekuitas
500.0
(Equities )
Kami mengucap syukur kepada Tuhan Yang Maha Kuasa
atas kas ih karunia yang dilim pahkan kepada Bank
Mayapada s epanjang tahun 2007 s ehingga kinerja Bank
terus meningkat dibandingkan tahun-tahun sebelumnya.
Peningkatan kinerja dan keberhas ilan ters ebut
m erupakan has il kerja keras s eluruh jajaran Pers eroan
dan patut kita s yukuri bers am a.
Sepanjang tahun 2007 Perseroan berhasil meningkatkan
kinerja diberbagai bidang antara lain di bidang s um ber
daya m anuas ia, us aha/bis nis , operas ional, pengawas an
dan Good Corporate Governance. Kinerja s em ua bidang
ters ebut m eningkat cukup baik di tahun 2007. Dewan
Komisaris telah melakukan pengkajian terhadap laporan
Direks i dan Laporan Keuangan Pers eroan, untuk
s elanjutnya akan dilaporkan dalam Rapat Um um
Pem egang Saham Tahunan yang akan datang.
Tahun 2007 juga m erupakan tahun yang is tim ewa bagi
Pers eroan karena s ejalan dengan program Ars itektur
Perbankan Indones ia (API), Pers eroan berhas il
m eningkatkan m odal dis etor m enjadi Rp
412.955.800.000,00 (em pat ratus dua belas m iliar
s em bilan ratus lim a puluh lim a juta delapan ratus ribu
rupiah) s ehingga total m odal m enjadi Rp 1.086 triliun
dan Capital Adequas i Ratio (CAR) 29,95% hal ini
m enunjukkan Pers eroan s udah s iap tum buh dan
berkem bang s erta m enjadi bank yang s ehat s es uai
dengan program API yang dicanangkan Bank Indonesia.
Sam pai akhir tahun 2007 jum lah as s et m encapai
Rp 4,5 triliun dengan jum lah kantor 72 (tujuh puluh dua)
dan jum lah karyawan 1.272 orang.
0.0
2003
2004
2005
2006
2007
Por tofolio Pinjaman Loan Por tfolio
Sektor Ekonomi Economic Sector
(Rp. 000.000,-)
%
7,76%
33,57%
22,54%
J as a Services
1.030.044
33,57%
Perdagangan Trade
753.733
24,57%
Indus tri Indus try
360.873
11,76%
Kons truks i Cons truction
691.507
22,54%
Lain- Lain Others
231.903
7,76%
11,76%
J umlah Total
06
3.068.060
100,00%
24,57%
Sejalan dengan kem ajuan bis nis yang pes at, Pers eroan
juga m eningkatkan fungs i pengawas an s eiring dengan
perkembangan peraturan perbankan yang ada sehingga
operas ional Pers eroan dapat berjalan s es uai dengan
ketentuan yang berlaku dalam rangka m eningkatkan
Good Corporate Governance. Secara berkala Dewan
Kom is aris dan Direks i Pers eroan m elakukan evaluas i
kinerja manajemen dan mengevaluasi laporan keuangan
s erta m enetapkan arah kebijakan agar m am pu
m em enuhi target pencapaian s es uai dengan rencana
bis nis Bank.
We prais e the Lord Alm ighty for His grace to Bank
Mayapada during 2007 perm itting the Bank to better its
perform ance com pared to the previous years . All thos e
achievement were the result of hard work by all elements
in the Com pany and des erve our m utual gratitude.
During 2007 the Com pany s ucceeded in im proving its
operational perform ance in all its lines , am ong other
in its hum an res ources , bus ines s , operational,
supervis ion and Food Corporate Governance. The Board
of Com m is s ioners has reviewed the Board of Directors
report and the Com pany’s Financial Report, which s hall
further be reported and ratified in the com ing General
Meeting of Shareholders .
2007 was als o a s pecial year for the Com pany, in line
with the Indones ian Banking Architecture (API), the
Com pany s ucceeded in im proving its paid- in capital to
Rp.412,955,800,000.00 (four hundred twelve billion nine
hundred and fifty- five m illion eight hundred thous and
rupiah) bringing the total capital to Rp.1,086 billion and
its Capital Adequacy Ratio (CAR) to 29.95% s howing that
the Com pany is growing and developing on the track to
becom e a sound bank in accordance to the API program
announced by Bank Indones ia. Until the end of 2007 the
Company’s asset reached Rp.4,5 trillion with 72 (seventytwo) offices and total em ployees 1,272 pers ons .
Supervis ory functions was continually im proved in line
with rapid bus ines s developm ent and in line with
prevailing banking regulations , with the objective that
the Com pany’s banking operation m ay m eet prevailing
s tipulations in the fram ework of im proving Good
Corporate Governance. The Board of Com m is s ioners
and the Board of Directors periodically evaluate the
m anagem ent perform ance and evaluate the com pany’s
financial report and s tipulate each policy directive to
attain the target achievem ent according to the Bank
Bus ines s Plan.
07
Sam butan dari Dewan Direks i
Mes s age from the Board of Directors
Untuk m enghadapi tantangan indus tri perbankan
dim as a m endatang Pers eroan terus m eningkatkan
budaya kerja profes s ional yang m engacu kepada nilainilai utam a budaya perus ahaan dibidang trans parans i,
integritas , profes ioalis m e, dan kem am puan m enjawab
tantangan- tantangan yang tim bul dalam operas i
perbankan. Dengan s em angat kerjas am a yang baik,
integritas dan kewaspadaan yang tinggi Perseroan akan
m am pu m engatas i pers aingan pas ar yang s em akin
m eningkat s erta m em as tikan pertum buhan jangka
panjang yang berkes inam bungan.
Pada kes em patan ini kam i atas nam a Dewan Kom is aris
m enyam paikan penghargaan kepada s egenap jajaran
m anajem en dan s eluruh karyawan atas dedikas i yang
telah diberikan s ehingga kita bis a m elalui tahun 2007
dengan baik. Kepada s eluruh s takeholder Bank
Mayapada yang m eliputi s em ua pem egang s aham ,
nas abah dan m as yarakat um um kam i m engucapkan
terim a kas ih atas kepercayaan dan dukungan yang
diberikan. Kepada Bank Indones ia, s ecara khus us kam i
m engucapkan terim a kas ih atas pem binaan dan
pengawas an yang s udah dilakukan s elam a ini.
In order to face the challenges in the com ing years
Bank Mayapada will continue to focus on im plem enting
professional work ethics referring to the main company’s
culture of trans parency, integrity, profes s ionalis m , and
the ability to addres s em erging challenges in banking
operation. By s olid and good cooperation, integrity and
caution the Com pany will be able to overcom e the s trict
com petitive m arket and ens ure a continual long- term
growth.
On this opportunity, we on behalf of the Board of
Com m is s ioners wis h to convey our gratitude to all
m em bers of the m anagem ent and em ployees for the
dedication which they have s hown, to all s hareholders
and customers and the public in general on their support,
trust and cooperation, and to Bank Indonesia our special
thanks on their guidance and s upervis ion.
Dewan Komis ar is ,
The Board of Commis s ioner s ,
Tahir , MBA
Kom is aris Utam a
Pres ident Com m is s ioner
Dr s . Nas r udin Sumintapur a.MA.
Kom is aris
Com m is s ioner
08
Ir. Kumhal Djamil, SE
Kom is aris
Com m is s ioner
Tj. Sudar man, MBA
Kom is aris
Com m is s ioner
Perkem bangan Bank Mayapada di tahun 2007 patut
kita s yukuri bers am a. Kas ih karunia Tuhan Yang Maha
Kuas a m em bukakan kes em patan yang m em ungkinkan
Bank Mayapada berkem bang dengan s angat baik di
tahun 2007. Segenap jajaran Manajem en dan Karyawan
Bank dengan penuh kom itm en m elaks anakan m is i
untuk m em pertahankan operas ional bank yang s ehat
dan m em berikan nilai tam bah m aks im um kepada
nasabah, karyawan, pem egang saham , dan pem erintah.
Sem ua itu dilakukan untuk m encapai vis i m enjadi s alah
s atu bank s was ta terkem uka di Indones ia dalam nilai
as s et, profitabilitas dan tingkat kes ehatan.
Has il kerja yang pos itif di tahun 2007 tercerm in dalam
peningkatan kinerja operas ional Bank di berbagai
bidang. Dalam kondis i perekonom ian dim ana s ektor
riil belum bertum buh s epenuhnya, Bank m enunjukkan
kinerja yang s angat baik s eperti ditunjukkan oleh
beberapa indikator berikut. As et Bank Mayapada per
31 Des em ber 2007 m eningkat s ebes ar 20,95%
dibandingkan periode s ebelum nya pada 31 Des em ber
2006 m enjadi s ebes ar Rp. 4.474.878 juta. Pem berian
kredit m eningkat 20,97% m enjadi Rp.3.068.060 juta.
Dana pihak ketiga m encapai angka Rp. 2.953.339 juta.
Laba perseroan juga meningkat sebesar 11,43% menjadi
Rp. 58.946 juta. CAR naik m enjadi 29,95% m eningkat
pes at dibandingkan tahun 2006, dem ikian juga dengan
NPL m em baik m enjadi 0.14%
Dilihat dari indikator perkem bangan keuangan Bank
Mayapada m enunjukkan trend peningkatan baik dalam
aktiva, dana pihak ketiga ataupun tingkat kes ehatan
Bank. Perbaikan ini ditunjang juga dengan beberapa
keberhas ilan yang ditunjukkan oleh berbagai indikator
di bidang ekonom i yang m enunjukkan angka- angka
yang m enggem birakan s elam a tahun 2007 s eperti
halnya kebijakan penurunan s uku bunga oleh Bank
Indones ia hingga m enjadi s ingle digit s elam a tahun
2007.
Dalam hal perbaikan layanan dan penyediaan s arana
perbankan bagi Nas abah, Bank s udah m em perluas
jaringan kantor baru dis eluruh Indones ia. Hingga akhir
tahun 2007, Bank s udah m em iliki 72 kantor di 11
propins i. Hal ini s ejalan dengan us aha Bank untuk
m elayani nas abah ritel dan cons um er, s ehingga
perluas an jaringan m enjadi s alah s atu fokus utam a.
Bank Mayapada developm ent in 2007 des erves our
m utual gratefulnes s . The grace of God Alm ighty
perm itted Bank Mayapada to grow very well in 2007.
The Bank Managem ent and all its Em ployees fully
com m itted them s elves to execute the m is s ion to
m aintain the bank s ound operation and provide
m axim um added value to the clients , em ployees ,
s hareholders and the governm ent. All of it conducted
to attain the vis ion to be one of the prom inent private
banks in Indones ia in its as s et value, profitability and
a level of s oundnes s .
The pos itive res ult of 2007 was reflected in the
im provem ent of the bank operational perform ances in
s everal fields . In the econom ic condition where the real
s ector is not yet fully grown, the Bank has s hown very
good perform ance, as shown by the following indicators.
Bank Mayapada’s as s et as at 31 Decem ber 2007
increas ed by 20.95% com pared to the previous period
as at 31 December 2006 to become Rp. 4,474,878 million.
Credit advance increased 20.97% to Rp. 3,068,060 million.
Third party equities reached Rp. 2,953,339 m illion. The
com pany profit als o increas e by 11.43% to becom e
Rp. 58,946 m illion. CAR also increased to 29.95% a rapid
growth com pared to 2006, the s am e als o can be s aid
of the NPL im provem ent to 0.14%.
Seen from the financial developm ent indicator, Bank
Mayapada shows a trend of good improvement in assets,
third party equities and als o the bank s oundnes s level.
Thos e im provem ents were further s upported by s everal
s ucces s es s hown by various indicators in the econom ic
s ector s howing prom is ing num bers during 2007 s uch
as the policy to decrease interest rate by Bank Indonesia
to achieve a s ingle digit during 2007.
In im proving its cus tom er s ervice and providing of
banking tools for our Clients , the Bank has s uccess fully
expanded its new network offices over all Indones ia. As
at the end of 2007, the Bank owned 72 offices in 11
provinces . This was in line with the Bank effort to s erve
the retail and cons um er clients , therefore expanding
its network was one of the m ain focus . The Bank had
als o coordinated with s everal ATM network, s uch as
Collective ATM, ATM Prim a and Debit Prim a, s o that
Bank Mayapada are able to do trans actions through the
ATM of m ore than 14.000 ATM all over Indones ia and
09
Bank juga s udah bekerja s am a dengan beberapa
jaringan ATM s eperti ATM Bers am a, ATM Prim a dan
Debit Prim a, dengan dem ikian nasabah Bank Mayapada
dapat m elakukan trans aks i m elalui ATM di lebih dari
14.000 ATM dis eluruh Indones ia dan lebih dari 63.000
Electronic Data Capture (EDC) jaringan Kartu Debit
Prim a dis eluruh Indones ia. Perluas an jaringan akan
terus dilakukan m enandai era lepas landas Bank
Mayapada ditahun 2007.
Selam a tahun 2007, Bank juga s ecara produktif s udah
m engem bangkan produk-produk baru yang inovatif dan
kom petitif antara lain My Fam ily Saving, My Dana Cepat,
My Dana Mapan, My s aving Inves ta, My Hom e Flexi,
Giro/Tabungan Prem ium dan My Renovation Loan,
s eiring dengan perm intaan nas abah akan produkproduk perbankan yang m enguntungkan s erta
m em berikan nilai tam bah bagi nas abah.
Bank Mayapada juga fokus dalam m elayani debitur
dengan s kala m enengah kebawah (Sm all Medium
Enterpris e /SME) yaitu dengan m engem bangkan
Mayapada Mitra Us aha (MMU) s ebuah s egm en bis nis
yang dirancang khus us untuk debitur- debitur SME.
Jaringan MMU terus dikembangkan antara lain dilokasilokas i pas ar s eperti pas ar induk Kram at J ati, Ps . Kranji,
Tam bun, Cileungs i, Cibitung, Cipondoh, Cis alak, Pus at
Gros ir Cililitan, Ps Kebayoran Lam a, Ps Kem bangan
Bogor, Ps Johar Semarang, Ps Sukawati dan Ps Badung,
Bali. Dengan kes adaran penuh bahwa s ektor ini akan
terus berkem bang s ecara progres if, Bank
m erencanakan untuk m engem bangkan lebih banyak
kantor MMU dis eluruh nus antara.
Manajem en Bank juga telah m engam bil langkah
s trategis di tahun 2007 dengan m enggandeng 3 (tiga)
inves tor as ing untuk peningkatan m odal Bank, m ereka
adalah Avenue Luxem burg SARL, Dubai Ventures
Lim ited, dan Harm ony Indones ia Ltd dengan jum lah
s aham s ebes ar 34.55% dim ana dana yang dis etorkan
digunakan untuk perluas an jaringan dan peningkatan
s ys tem teknologi Bank. Bergabungnya ketiga inves tor
m enunjukkan kepercayaan dari pihak as ing terhadap
kinerja yang telah dicapai pers eroaan s elam a ini.
10
m ore than 63.000 Electronic Data Capture (EDC) Prim a
Debit Card network over all Indones ia. Network
expans ion s hall be continuous ly conducted heralding
Bank Mayapada take off in 2007.
During 2007, the Bank als o productively developed new
innovative and com petitive products am ong others , My
Fam ily Saving, My Dana Cepat, My Dana Mapan, My
Saving Inves ta, My Hom e Flexi, Prem ium Depos it
Account / Savings and My Renovation Loan, inline with
the cus tom er reques t for m ore profitable banking
products which als o give added value to clients .
Bank Mayapada als o focus s ed in s erving m iddle lower
debtors (Sm all Medium Enterpris e / SME) by developing
Mayapada Mitra Us aha (MMU) a bus ines s s egm ent
especially targetted for SME debtors. The MMU network
is continuous ly expanded am ong others in m arket
locations such as the central m arket Kram at J ati, Kranji
Market, Tam bun, Cileungsi, Cibitung, Cipondoh, Cisalak,
Pus at Gros ir Cililitan, Kebayaron Lam a Market,
Kem bangan Bogor Market, J ohar Market, Sukawati
Market, and Badung Market, Bali. Fully aware that this
s ector will continually progres s ively develop, the Bank
is planning to s et- up m any m ore MMU offices over all
Indones ia.
The Bank m anagem ent had als o taken a s trategic s tep
in 2007 by inviting 3 (three) foreign inves tors to upgrade
the Bank capital, they were Avenue Luxem burg SARL,
Dubai Ventures Lim ited, and Harm ony Indones ia Ltd.
with a s hare am ounting to 34.55 % and the paid in fund
was us ed to expand network and upgrading the bank
technological s ys tem . The inclus ion of thos e three
inves tors s hows the trus t of foreign party on the
perform ance achieved by the com pany.
Sejalan dengan Ars itektur Perbankan Indones ia (API),
Bank Mayapada akan terus m endukung rencana
pem erintah untuk m enyehatkan perbankan nas ional
dan s iap m engam bil peran aktif dalam m ewujudkan
program API. Untuk itu Bank akan terus m eningkatkan
pengawas an s ecara efektif dem i ketahanan s is tem
perbankan nas ional m enghadapi era globalis as i. Untuk
itu Bank s ecara aktif m elatih s um ber daya m anus ianya
untuk m eningkatkan etika kerja profes ional, good
corporate governance dan pengelolaan res iko s es uai
prins ip- prins ip dalam Bas el Core Principles . Setiap
pers onail Bank Mayapada dituntut untuk m em iliki
integritas dan profes ionalis m e yang tinggi guna
m engatas i pers aingan pas ar yang s em akin m eningkat
s eiring dengan terbentuknya Ars itektur Perbankan
Indones ia yang s em akin baik.
In line with the Indones ian Banking Architecture (API),
Bank Mayapada s hall cons is tently s upport the
governm ent plan to upgrade the s oundles s of national
banking and is ready to take active part in realizing the
API program . The Bank s hall therefore cons is tently
im prove its s upervis ion effectively to m aintain the
national banking s ys tem endurance in facing the
globalis ation area. For s uch purpos e the Bank actively
train its hum an res ources to upgrade the profes s ional
work ethics , good corporate governm ent, and ris k
m anagem ent according to the principles in the Bas el
Core Principles . Each and everyone of the Bank
Mayapada pers onnel is challenged to have integrity and
high profes s ionalis m to be able overcom e m arket
com petition which is becom ing m ore tight parallel to
the better Indones ia Banking Architecture.
Akhir kata, pada kesem patan ini kam i atas nam a Dewan
Direks i m enyam paikan penghargaan yang s etinggitingginya kepada segenap jajaran Komisaris, Manajemen
dan karyawan untuk dedikas i yang telah diberikan
s epanjang tahun 2007. Kam i juga berterim a kas ih
kepada s em ua s takeholder Bank Mayapada antara lain
kepada pem egang s aham , para nas abah dan
m as yarakat um um , s erta pem erintah m elalui Bank
Indones ia atas perhatian, pem binaan dan pengawas an
yang telah diberikan kepada Bank Mayapada sepanjang
tahun 2007.
As a clos ing rem ark, we on behalf of the Board of
Director als o convey our highes t appreciation to all
m em bers of the Board of Com m is s ioner, Managem ent
and em ployees for the dedication s hown during 2007.
We are als o grateful to all Bank Mayapada s takeholder
am ong others to s hareholders , all clients and the public
in general, and als o the governm ent through the care
of Bank Indones ia, guidance and s upervis ion given to
Bank Mayapada during 2007.
Greetings
Salam Sejahtera,
Dewan Direks i,
Board of Director s ,
Ir. Hendr a
Direktur Utam a
Pres ident Director
Har iyono Tjahjar ijadi
Direktur
Director
Har iati Tupang
Direktur
Director
J ane Dewi Tahir
Wakil Direktur Utam a
Vice Pres ident Director
Suwandy
Direktur
Director
Bambang Rahardjo
Direktur
Director
Vins ens ius Chandr a
Direktur
Director
11
Struktur Kelom pok Us aha yang terkait dengan kepem ilikan Saham Bank
Shareholding Structure
Struktur Organis as i
Organization Structure
Board of Commis s ioner s
PT. BANK MAYAPADA INTERNASIONAL Tbk.
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•
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Tahir, MBA : 99,9%
Audit Com m ittee
Ris k Policy Com m ittee
Rem uneration & Nom ination
Com m ittee
Pres ident Director
9,84%
PT. Mayapada Kas ih
He ndra Mulyono
Internal Audit
& Control
Raym ond : 0,1%
Indah.
Deputy Pres ident Director
Jane De wi Tahir
Tahir, MBA : 99,9%
14,14%
PT. Mayapada Karunia
Hum an Res ources
•
Hendra Wijaya : 0,1%
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Wang, Clem ent Kai : 95%
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•
Credit Com m ittee
Credit Policy Com m ittee
Alco Com m ittee
IT Com m ittee
Budget Com m ittee
Ris k Managem ent Com m ittee
Alice R.
Credit Review
He ndra M.
Corporate Secretary
24,43%
Sum m ertim e Lim ited
Bambang R.
Raym ond Budhin : 5%
Aik Chor Ann : 50%
7,76%
Brilliant Bazaar Pte Ltd.
Network &
Cons um er
Banking
Corporate
Banking &
Trade Services
Finance &
Corporate
Services
Vins e ns ius
Suwandy
Hariyono T.
Hariati T.
SME
Banking
Branch
Coordinator
Corporate
Banking
Vins e ns ius C.
Agus Suyanto
Djoni S.
Budget
Control &
Reporting
23,03%
Avenue Luxem bourg S.A.R.L
9,28%
Public
12
Com pliance
& Ris k
Toto B.
Bambang R.
Operations
Com pliance
& KYC
His Highnes s General Sheik Moham m ed
bin Ras hid Al Maktoum : 100%
Andi Bintoro
Harm ony Inves tm ent Fund
Lim ited : 100%
Avenue Capital Group : 100%
Toto B.
Chandra K.
Hariati T.
Micro
Banking
3,84%
Harm ony Indones ia
Inves m ent Pte Ltd.
Operation &
Technology
Chandra
Wong Ching Wai : 50%
7,68%
Dubai Ventures Lim ited
Micro
SME
Banking
Branch
Infras tructure
& Quality
Treas ury
Titie k Is dayati
Ali Gading
Cons um er
Banking &
Product
Managem ent
Accounting
& Tax
Managem ent
Inform ation
Technology
Ris k
Managem ent
Yus ak P.
Te s to T.
Hariati T.
FI &
Corres pondent
Banking
Niko
General
Affair
Elizabe th S.
Legal &
Credit
Proces s ing
Yos e ph TP.
Raymond L.
Car Loan
Trade Services
Margare th S.
Hariyono T.
Garis Kom unikas i
Garis Kom unikas i
13
Manajem en
Managem ent
Daftar Riwayat hidup Dewan Kom is aris
Res um e of the Board of Com m is s ioners
Dewan Komis ar is The Board of Commis s ioner s
Tahir , MBA
Kom is aris Utam a, Warga Negara Indones ia, lahir di
Surabaya pada tahun 1952, seorang pengusaha nasional.
Lulus an Nan Yang Univers ity, Singapore pada tahun
1976 dan Master of Business Adm inistration dari Golden
Gate Univers ity, San Francis co, USA pada tahun 1987.
Mem ulai us aha di dealer autom otive (1981- 1989) dan
juga s ebagai Bus ines s Advis or dengan jabatan Deputy
Managing Director di PT BNP Lippo Leas ing (19811986). Bergelut dalam bidang teks til dengan m enjabat
Presiden Direktur Mayatexdian Group (1986-1989). Pada
tahun 1988 diangkat s ebagai Dos en Luar Bias a di
Univers itas Airlangga, Surabaya. Mem ulai karir di
perbankan dengan m enjabat s ebagai Pres iden Direktur
Bank Mayapada (1990-1994). Saat ini m enjabat s ebagai
Wakil Kom is aris Utam a di PT Sona Topas Touris m
Indus try dan PT Inti Dufree Prom os indo s ejak tahun
1996. Diangkat s ebagai Wakil Kom is aris Utam a
Perseroan sejak tahun 1994 hingga J uni 2000, dan sejak
J uni 2000 hingga s ekarang m enjabat s ebagai Kom is aris
Utam a Pers eroan.
Tahir , MBA
Pres ident Com m is s ioner, Indones ian citizen, born in
Surabaya in 1952, a national entrepreneur. Graduate of
Nan Yang Univers ity, Singapore in 1976 and Mas ter of
Bus iness Adm inis tration of Golden Gate Univers ity, San
Francis co, USA in 1987. Started bus ines s as in
autom otive dealer (1981- 1989) and als o as Bus ines s
Advis or in his pos ition as Deputy Managing Director at
PT BNP Lippo Leas ing (1981- 1986). Did his bes t in the
textile industry as Pres ident Director of the Mayatexdian
Group (1986-1989). In 1988 appointed as Extraordinary
Lecturer in Airlangga Univers ity, Surabaya. Started his
banking career as Pres ident Director in Bank Mayapada
(1990- 1994). Currently he is als o Vice Pres ident
Com m is s ioner in PT Sona Topas Touris m Indus try and
PT Inti Dufree Prom os indo s ince 1996. Appointed as
Vice Pres ident Com m is s ioner of the com pany in 1994
until J une 2000, and s ince J une 2000 up to the pres ent
s till Pres ident Com m is s ioner of the Com pany.
Dr s . Nas r udin Sumintapur a. MA
Kom is aris , Warga Negara Indones ia, lahir di J akarta
pada tahun 1938. Menyeles aikan pendidikan MA di
Univers ity of Wis cons in, USA pada tahun 1971.
Menjalankan pendidikan Sarjana Ekonomi di Universitas
Indones ia pada tahun 1965. Pengalam an: Menteri Muda
Keuangan RI (1988-1993), Gubernur Bank Pembangunan
Is lam , IDB, (1988- 1993), Kom is aris PT Bank Eks por
Im por Indones ia (1993- 1995), Kom is aris Utam a PT
Arthaloka Indones ia, PT Bhakti Inves tam a, Tbk., PT
Multi Angs ana Ganda, PT Pancapers ada Pram udita, PT
Kas nic Duff & Phelps Credit Rating Indones ia, dan
s ebagai Kom is aris PT Bank Niaga, Tbk. (J anuari 1999
– Maret 2000). Menjabat s ebagai Duta Bes ar Indones ia
untuk Uni Eropa s ejak 22 Maret 1999. Menjabat s ebagai
Kom is aris Pers eroan s ejak J uni 1998.
Dr s . Nas r udin Sumintapur a. MA
Com m is s ioner, Indones ian citizen, born in J akarta in
1938. Com pleted his MA education at the Univers ity of
Wisconsin, USA in 1971. Studied Econom y in Universitas
Indonesia in 1965. Experience: Junior Minister of Finance
of RI (1988-1993), Governor of the Is lam ic Developm ent
Bank, IDB, (1988-1993), Com m is s ioner PT Bank Export
Im port Indones ia (1993-1995), Pres ident Com m iss ioner
PT Arthaloka Indones ia, PT Bhakti Inves tam a, Tbk., PT
Multi Angs ana Ganda, PT Pancapers ada Pram udita, PT
Kas nic Duff & Phelps Credit Rating Indones ia, and as
Com m is s ioner of PT Bank Niaga, Tbk. (J anuary 1999 –
March 2000). Was appointed as Indones ian Am bass ador
for the European Union on 22 March 1999. Has been a
Com m is s ioner of the com pany s ince J une 1998.
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Tahir, MBA - Kom is aris Utam a Pres ident Com m is s ioner
Drs . Nas rudin Sum intapura. MA - Kom is aris Com m is s ioner
Ir. Kum hal Djam il, SE - Kom is aris Com m is s ioner
Tj. Sudarm an. MBA - Kom is aris Com m is s ioner
Dewan Direks i The Board of Director s
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Ir. Hendra - Direktur Utam a Pres ident Director
J ane Dewi Tahir - Wakil Direktur Utam a Vice Pres ident Director
Hariyono Tjahjarijadi - Direktur Director
Suwandy - Direktur Director
Hariati Tupang - Direktur Director
Drs . Bam bang Rahardjo - Direktur Director
Ir. Vins ens ius Chandra. MM - Direktur Director
Pejabat Eks ekutif Executive Staff
•
Toto Bartholom eus - Wakil Eks ekutif Utam a Executive Vice Pres ident
Kepala Divis i Head of Divis ions
•
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•
Elizabeth Sindawati
Margareth Sindawati
Yohanes Ali Surya Gading
Dra. Titiek Is dayati
Ir. Yus ak Pranoto
A. Chandra Kurniawan,SE.MBA
Trijanti Setiawan
Indah Liliawaty Kurniawan
Alice Ros hadi, STh
Djoni Sofian Salim
Raym ond Lukas
Yos eph Tedi Purnawan C.B
Nikolaus Lis tyo Nugroho P
Andi Bintoro Tjahja
Divis i Um um General Divis ion
Divis i Kredit Kendaraan Berm otor Motor Vehicle Credit Divis ion
Divis i Branch Banking Branch Banking Divis ion
Divis i Treas ury Treas ury Divis ion
Divis i Tehnologi Inform as i Inform ation Technology Divis ion
Divis i Sis tem dan Pros edur Sys tem and Procedure Divis ion
Divis i Akunting, Keuangan dan MIS Accounting, Financial and MIS Divis ion
Divis i Internal Audit (SKAI) Internal Audit Divis ion (SKAI)
Divis i HRD HRD Divis ion
Divis i Kredit Credit Divis ion
Product Developm ent & Barnding Divis ion
Divis i Operas i Operation Divis ion
Financial Ins titution Corres pondent banking & Capital Market Divis ion
Divis i Kredit Us aha Kecil Sm all Bus ines s Credit Divis ion
Kepala Cabang Head of Br anches
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14
Eddy Wijaya
Leo Alexandra
Deep Tanudjaja
Ayni Wijati
Tanto Kardjono
Budi Mulyono
J oelina David
Lennie Mes s alina
Minarti
Rolan Herm awan
Agus Gunawan
Tjhin Djan Min
Mayapada Tower, J akarta
J endral Sudirm an, Bandung
MT Haryono, Sem arang
Rajim an, Solo
Pem uda, Surabaya
MH Tham rin, Denpas ar
Pem uda, Medan
Ahm ad Yani, Makas s ar
Angkatan, Palem bang
Sudirm an, Balikpapan
Tajur, Bogor
Gajah Mada, Pontianak
15
Daftar Riwayat hidup Dewan Direks i
Res um e of the Board of Directors
16
Ir. Kumhal Djamil,SE
Kom is aris , Warga Negara Indones ia, lahir di Bengkalis
tahun 1938. Menyeles aikan pendidikan Dipl. Ing. Di
Reinis h Wes faelis che Technis che Hochs cule Aachen,
Verfahrens technik pada tahun 1965 dan Sarjana
Ekonom i Univers itas Indones ia pada tahun 1984.
Berbagai jabatan di pem erintahan pernah dijabat oleh
beliau, m ulai dari As is ten Kantor Menteri Negara Ris et
dan Teknologi pada tahun 1980, hingga jabatan s ebagai
Direktur J enderal Perdagangan Luar Negeri (1987) dan
Direktur J enderal Perdagangan Dalam Negeri (19881993). Beliau m engakhiri karirnya di Ins tans i
Pem erintahan s etelah m engabdi lebih dari 20 tahun
dengan m em peroleh berbagai Tanda Kehorm atan.
Pos is i terakhir yang dijabat oleh beliau adalah As is ten
Bidang Indus tri Menteri Koordinator Bidang Produks i
Distribusi (1993). Karir di perusahaan swasta dan BUMN
diawali s ebagai General Manager PT PAN Nus antara
Indones ia (1967), Production Manager PT ICI Paints
Indones ia (1973), Managem ent Developm ent Manager
pada PT Trakindo Utam a (1977) dan Kom is aris Utam a
PT (Pers ero) Kawas an Berikat Nus antara (1989-1992).
Menjabat s ebagai Kom is aris Pers eroan s ejak tahun
1995.
Ir. Kumhal Djamil,SE
Com m is s ioner, Indones ian Citizen, born in Bengkalis
in 1938. Graduated as Dipl. Ing. in Reinis h Wes faelis che
Technis che Hochs cule Aachen, Verfahrens technik in
1965 and graduated in Econom ic from Univers itas
Indones ia in 1984. He has als o held s everal pos itions
in the government, starting from Assistant to the Minister
of Res earch and Technology in 1980, up to General
Director of Overseas Trading (1987) and Director General
of Dom es tic Trade (1988-1993). He ended his career in
the Governm ent Ins titutions after s erving m ore than 20
years and receiving various awards . His las t pos ition
was Ass is tant in the field of Indus try to the Coordinating
Minis ter of Production Dis tribution (1993). Started his
career in the private com pany and State Owned
Com panies as General Manager in PT PAN Nus antara
Indones ia (1967), Production Manager in PT ICI Paints
Indones ia (1973), Managem ent Developm ent Manager
in PT Trakindo Utam a (1977) and Pres ident
Commissioner PT (Persero) Kawasan Berikat Nusantara
(1989- 1992). Held the pos ition of the Com pany’s
Com m is s ioner s ince 1995.
Tj. Sudar man, MBA
Kom isaris, Warga Negara Indonesia, lahir di Pem angkat
tahun 1964. Menyeles aikan pendidikan Mas ter Of
Business Administration dibidang Finance dan Marketing
di IEU Institute Of Managem ent, accredited by European
University, Antwerp, Belgium pada tahun 1992. Mem ulai
karir s ebagai Manajer Akuntans i dan Keuangan di PT
Putra Indah Makm ur dan Putra Adil Makm ur- Putra
Group (1984- 1987). Bergabung dengan group us aha
Pers eroan s ejak tahun 1987 dengan m enjabat s ebagai
Manager Internal Control & Audit Mayatexdian Group
(1987- 1989), General Manager PT Tritexindo Bus ana
Indus tri (1989- 1990), Direktur PT Sona Topas Touris m
Indus tri dan Direktur PT Inti Dufree Prom os indo (19901993), Kom is aris PT Sona Topas Touris m Indus try dan
PT Inti Dufree Prom os indo (1993- J uni 1999), Menjabat
s ebagai Direks i Pers eroan (1993- 2001), Kom is aris
Pers eroan (2001- 2002), Pres ident Direktur PT Yum m y
Beananta Les tari (2001- Maret 2003), Chief Executive
Officer Mayapada Group (2002- Maret 2003) dan tahun
2003 m enjabat Direktur dan s ejak tahun 2007 kem bali
m enjabat Kom is aris Pers eroan
Tj. Sudar man, MBA
Com m is s ioner, Indones ian citizen, born in Pem angkat
in 1964. Graduated as Master Of Business Administration
m ajoring in Finance and Marketing at IEU Ins titute Of
Managem ent, accredited by European Univers ity,
Antwerp, Belgium in 1992. Started his career as
Accounting and Financial Manager in PT Putra Indah
Makm ur and Putra Adil Makm ur- Putra Group (19841987). J oined the com pany group s ince 1987 as a
Manager Internal Control & Audit Mayatexdian Group
(1987- 1989), General Manager PT Tritexindo Bus ana
Indus tri (1989- 1990), Director PT Sona Topas Touris m
Indus tri and Director PT Inti Dufree Prom os indo (19901993), Commissioner of PT Sona Topas Tourism Industry
and PT Inti Dufree Prom os indo (1993- J une 1999), as
Director of the Com pany (1993- 2001), Com pany’s
Com m is s ioner (2001- 2002), Pres ident Director PT
Yum m y Beananta Les tari (2001- Maret 2003), Chief
Executive Officer Mayapada Group (2002- Maret 2003)
and in 2003 held the pos ition of Director and s ince 2007
back again to holding the Com pany’s Com m is s ioner .
Ir. Hendr a
Direktur Utam a, Warga Negara Indones ia, lahir pada
ta hun 1961 di Peka nba ru. Menyeles a ika n pendidika n
Sa rja na Te hnik Ele ktro di Unika Atm a J a ya , J a ka rta
pa da ta h u n 1987. Me m u la i ka r ir s e ba ga i Divis ion
Manager di PT Makm ur Meta Graha Dinam ika (19871992), P e m im pin Ca ba ng di Ba nk Ma ya pa da (19921995), Direktur di PT Bank Global Internas ional (19951996), Dire ktur di P T Sona Topa s Tour is m Indus tr y
(1996- 2001), Dire ktur di P T Inti Dufre e P rom os indo
(1996- 2001), Dire ktur di PT Artha Mulia Inda h (19962001), Menjabat s ebagai Direktur Pers eroan s ejak J uni
2002 dan diangkat s ebagai Direktur Utam a pada bulan
Maret 2003.
Ir. Hendr a
Pres ident Director, Indones ian citizen, born in 1961 in
Pekanbaru. Graduated in Electrical Engineering at Unika
Atma Jaya, Jakarta in 1987. Started his career as Division
Manager in PT Makm ur Meta Graha Dinam ika (19871992), Head of Bank Mayapada Branch (1992- 1995),
Director in PT Bank Global International (1995- 1996),
Director in PT Sona Topas Tourism Industry (1996-2001),
Director in PT Inti Dufree Prom os indo (1996- 2001),
Director in PT Artha Mulia Indah (1996-2001), appointed
as Com pany Director s ince J une 2002 and appointed
as Pres ident Director in March 2003.
J ane Dewi Tahir.
Wakil Direktur Utam a, Warga NegaraIndones ia, lahir
di Sura ba ya Ta hun 1974, Me nye le s a ika n pe ndidika n
Bachelor Of Science dibidang Ekonom i di Univers ity Of
Ottwa pa da ta h u n 1997. Be r ga bu n g de n ga n Ba n k
Mayapada pada tahun 1998 s ebagai Pim pinan Cabang
Pembantu sampai tahun 2004, pada tahun 2005 diangkat
m e nja di Ke pa la Divis i Br a nch Ba nking. Ta hun 2006
m enjabat sebagai Kom isaris Perseroan dan sejak tahun
2007 m enjabat Wakil Direktur Utam a.
J ane Dewi Tahir.
Vice Pres ident Director, Indones ian citizen, born in
Surabaya in 1974, graduated as Bachelor of Science in
Econom ic at the Univers ity of Ottwa in 1997. J oined
Bank Mayapada in 1998 as Head of Sub- Branch until
2004, in 2005 apppointed as Divis ion Head of the Branch
Banking. Held the pos ition of the Com pany
Com m iss ioner in 2006 and s ince 2007 appointed as Vice
Pres ident Director.
Har iyono Tjahjar ijadi, MBA
Direktur, Warga Negara Indones ia, lahir tahun 1957 di
Surabaya. Menyelesaikan pendidikan Master Of Business
di Golde n Ga te Unive rs ity, Sa n Fra ns is co, USA pa da
tahun 1987. Mem ulai karir di perbankan di Bank Central
As ia denga n pos is i a wa l di Depa rtem en Va luta As ing
(1981-1984), Kepala Departem en Operas i Internas ional,
Sistem dan Prosedur (1984-1987), Kepala Bagian Ekspor
Im por (1987- 1989), Kepala Biro Internas ional Banking
da n Ope ra s i Inte rna s iona l (1989- 1990), Wa kil Ke pa la
Divis i In t e r n a s ion a l Ba n kin g (1990- 1992). Mu la i
bergabung dengan Pers eroan s ejak tahun 1992 dengan
m enem pati posisi sebagai Direktur Operasi (1992-1993),
Wakil Direktur Utam a (1994- 1995). Menjabat s ebagai
Dir e ktur Uta m a (1995- 2003) da n s e ja k ta hun 2005
m e nja ba t s e ba ga i Kom is a r is P e r s e r oa n. Me nja ba t
s ebagai Direktur s ejak tahun 2006
Har iyono Tjahjar ijadi, MBA
Director, Indones ian citizen, born in 1957 in Surabaya.
Graduated as Mas ter Of Bus ines s in Golden Gate
Univers ity, San Frans is co, USA in 1987. Started his
banking career in Bank Central As ia in his prelim inary
pos ition in the Departm ent of Foreign Exchange (19811984), International Operation Department Head, System
and Procedure (1984-1987), Export Im port Head (19871989), Internal Banking and Internal Operation Head
(1989- 1990), Vice Head of the International Banking
Divis ion (1990- 1992). J oined the Com pany s ince 1992
as Operational Director (1992- 1993), Vice Pres ident
Director (1994-1995). As Pres ident Director (1995-2003)
and s ince 2005 as Com m is s ioner of the Com pany.
Started as Director s ince 2006
17
18
Suwandy.
Direktur, Warga Negara Indones ia, lahir tahun 1957 di
Medan. Menyelesaikan pendidikan Sarjana di Universitas
Me da n. Me m ula i ka rir di pe rba nka n di Ba nk Ce ntra l
As ia pada tahun 1978- 1991, tahun 1991- 1999 s ebagai
Kepala Cabang Bank Bira, s ebagai Pres ident Director
di PT Batavia Inves tindo Global pada tahun 1999- 2002,
m enjabat Direktur di PT. Royal & Sun Alliant Indrapura
Ins ure nce ta hun 2002- 2003, pa da ta hun 2003- 2006
s e ba ga i As s is te n t To Ch a ir m a n Ma ya pa da Gr ou p
s elanjutnya pada tahun 2004- 2006 s ebagai Kom is aris
PT. Topas Multi Finance dan sejak tahun 2006 bergabung
di Bank Mayapada s ebagai Senior Vice Pres ident, tahun
2007 dia n gka t s e ba ga i Dir e ktu r Ba n k Ma ya pa da .
Suwandy
Director, Indones ian citizen, born in 1957 in Medan.
Graduated from the Medan Univers ity. Started his
banking career in Bank Central As ia in 1978- 1991.
during 1991-1999 as Head of the Branch Bank Bira, as
Pres ident Director in PT Batavia Inves tindo Global from
1999- 2002, held the pos ition of Director in PT Royal &
Sun Alliant Indrapura Ins urance during 2002- 2003, in
2003- 2006 as As s is tant to Chairm an Mayapada Group
and during 2004- 2006 as Com m is s ioner of PT Opas
Multi Finance and in 2006 joined Bank Mayapada as
Senior Vice Pres ident, in 2007 appointed as Director
Bank Mayapada.
Har iati Tupang
Direktur, Warga Negara Indonesia, Lahir di Medan tahun
1964. m enyeles a ika n pendidika n Sa rja na Ekonom i di
Un ive r s ita s Me da n ta h u n 1988, Sa r ja n a Hu ku m di
Un ive r s ita s Dh a r m a wa n gs a ta h u n 1991. m e m u la i
karirnya di PT. Is tana Deli Kencana s ebagai Akunting
Manajer, tahun 1991-1992 sebagai Kepala Divisi Akunting
di P T. Ma ya te xdia n Indus tr i, pa da ta hun 1992- 1995
bekerja di Bank Mayapada s ebagai Kepala Divis i MIS
dan Akunting, s ebagai Direktur di Bank J as a Arta pada
tahun 1995- 1999, tahun 2003- 2007 s ebagai Kom is aris
di PT. New Century Developm ent, Tbk dan s ejak tahun
2007 dia ngka t s e ba ga i Dire ktur di Ba nk Ma ya pa da .
Har iati Tupang
Director, Indones ian citizen, born in 1964 in Medan.
Graduated in Econom ics from Medan Univers ity in 1988,
graduated from the Law Faculty Darm awangs a
Univers ity in 1991. Started her career in PT Is tana Deli
Kencana as Accounting Manager, in 1991-1992 as Head
of Accounting Divis ion in PT Mayatexdian Indus try, in
1992- 1995 s tarted in Bank Mayapada as Head of the
MIS Divis ion and Accounting, as Director in Bank J as a
Arta during 1995-1999, in 2003-2007 as Com m is s ioner
in PT New Century Developm ent, Tbk. Dan s ince 2007
appointed as Director in Bank Mayapada.
Dr s . Bambang Rahardjo
Dire ktur, Wa rga Ne ga ra Indoe ns ia , la hir pa da ta hun
1955 di Bangkalan. Menyeles aikan pendidikan Sarjana
Ekonom i di Univers itas Brawijaya, Malang pada tahun
1984. Mem ulai karir s ebagai Dept. Head Operation di
Bank Lippo (1985- 1988). Branch Manager Bank Lippo
Pondok Indah (1988- 1990), Regional Officer Head dan
Bra nch Ma na ge r Ba nk Lippo Pa nglim a Polim (19901993), De puty Hum a n Re s ource s Group He a d Ba nk
Lippo (1993-1994), Hum an Res ources Group Head Bank
Lippo (1994-1996), Vice Pres ident Director PT BT Lippo
Fin a n ce (1996- 1999). Me n ja ba t s e ba ga i Dir e ktu r
Pers eroan s ejak J uni 1999.
Dr s . Bambang Rahardjo
Director, Indones ian Citizen, born in 1955 in Bangkalan.
Graduated in Economics at Brawijaya University, Malang
in 1984. Started his career as Dept. Head Operation in
Bank Lippo (1985- 1988). Branch Manager Bank Lippo
Pondok Indah (1988- 1990), Regional Officer Head and
Branch Manager Bank Lippo Panglim a Polim (19901993), Deputy Hum an Res ources Group Head Bank
Lippo (1993-1994), Hum an Res ources Group Head Bank
Lippo (1994-1996), Vice Pres ident Director PT BT Lippo
Finance (1996-1999). Held the position of the Com pany’s
Director s ince J une 1999.
Ir. Vins ens ius Chandr a, MM.
Direktur, Warga Negara Indones ia, lahir pada tahun
1967 di J akarta. Menyeles aikan pendidikan Sarjana
Tehnik di Univers itas Indones ia pada tahun 1991.
Mem ulai karir s ebagai Dis trict Sales Manager di PT.
Ens eval, Tbk. - Kalbe Group (1991-1994), National Sales
Manager at Pharm aceutical Divis ion di PT. DBM Brataco Group (1994- 1996), Pim pinan Cabang di PT.
Bank Danam on International, Tbk. (1996- 1997).
Bergabung dengan Perseroan sejak tahun 1997 sebagai
Pim pinan Cabang Salem ba (1997- 2001). Menjabat
s ebagai Kepala Divis i Marketing Pers eroan s ejak tahun
2001. Sejak Desem ber 2002 sebagai Kepala Divisi Kredit
Kom ers ial dan Ritel, Direktur Pers eroan s ejak Maret
2003.
Ir. Vins ens ius Chandr a, MM.
Director, Indones ian Citizen, born in 1967 in J akarta.
Graduated as Technical Engineer at Univers itas
Indones ia in 1991. Started his career as Dis trict Sales
Manager in PT. Enseval, Tbk. - Kalbe Group (1991-1994),
National Sales Manager at Pharm aceutical Divis ion in
PT. DBM - Brataco Group (1994-1996), Branch Head in
PT. Bank Danam on International, Tbk. (1996- 1997).
Joined the Company since 1997 as Brand Head Salemba
(1997-2001). Held the pos ition of Head of the Com pany’s
Marketing Divis ion s ince 2001. Since Decem ber 2002
as Head of the Com m ercial and Retail Credit Divis ion,
Director of the Com pany s ince March 2003.
19
Tinjauan Keuangan Tahun 2007
Financial Review of 2007
Pos is i Ke uangan
Financial Pos ition
Per tumbuhan Aktiva
Bank m encatat pertum buhan aktiva s ebes ar 20,95%
dari tahun s ebelum nya, s ehingga total aktiva per 31
Des em ber 2007 tercatat s ebes ar Rp 4.474,8 m ilyar.
Aktiva lancar tercatat s ebes ar Rp 910,3 m ilyar yang
ters im pan s ebagai s uatu bentuk cadangan prim ary dan
s econdary dalam bentuk kas , giro pada Bank Indones ia,
giro pada bank lain, penem patan call m oney antar bank,
dan pembelian Sertifikat bank Indonesia (SBI), dan Surat
Utang Negara (SUN) yang diperdagangkan. Bes aran
aktiva lancar ini m encerm inkan m as ih tingginya
likuiditas Bank yang m encapai 20,34% dari total aktiva
yang ada.
As s ets Growth
The Bank recorded a
LA P OR A N TA HU N A N A N N U A L R E P OR T 2 0 0 7
Mayapada Tower, Ground Floor - 2nd Floor
J l. J end. Sudirm an kav. 28
J akarta 12920 - Indones ia
Bank Mayapada
Kantor Pus at & Kantor Pus at Operas ional
Phone. : (021) 521- 2300, 521- 2288
E- m ail : m ayapada@bankm ayapada.com
http://www.bankm ayapada.com
LI
TY
QU A
: 65019 MAYA IA
A SS URE
D
ISO
9002
RM
: (021) 521- 1985, 521- 1995
Telex
FI
Fax.
Daftar Is i
Table of Contents
01 |
02 |
05 |
07 |
09 |
12 |
13 |
14 |
15 |
17 |
20 |
35 |
41 |
42 |
43 |
Vis i dan Mis i
Vis ion & Mis s ion
Indentitas Perus ahaan
Com pany Identity
Data Keuangan Penting
Financial Highlights
Sam butan dari Dewan Kom is aris
Mes s age from the Board of Com m is s ioners
Sam butan dari Dewan Direks i
Mes s age from the Board of Directors
Struktur Kelom pok Us aha Yang Terkait
Dengan Kepem ilikan Saham Bank
Shareholding Structure
Struktur Organis as i
Organizational Structure
Manajem en
Managem ent
Daftar Riwayat Hidup Dewan Kom is aris
Res um e of the Board of Com m is s ioners
Daftar Riwayat Hidup Dewan Direks i
Res um e of the Board of Directors
Tinjauan Keuangan Tahun 2007
Financial Review of 2007
Rencana Bis nis Tahun 2008
Bus ines s Plan for 2008
Alam at Kantor
Office Addres s es
Produk dan J as a
Products & Services
Laporan Keuangan dan
Laporan Auditor Independen
Financial Report and
Independent Auditor’s Report
Vis i dan Mis i
Vis ion and Mis s ion
Vis i
Menjadi salah satu bank swasta terkem uka di Indonesia
dalam nilai as et, profitabilitas , dan tingkat kes ehatan.
Mis i
Vis ion
Mem pertahankan operas ional bank yang s ehat dan
m em berikan nilai tam bah m aks im um kepada nas abah,
karyawan, pem egang s aham , dan pem erintah.
To be one of the m ain leading private banks in Indones ia
in term of as s ets , profitability and s oundnes s .
Mis s ion
To m aintain a s ound banking operation and provide
m axim um added value to our cus tom ers , em ployees ,
s hareholders and the governm ent.
01
Indentitas Perus ahaan
Corporate Identity
Ikhtis ar Harga Saham
Stock Price Highlights
Nama Per us ahaan Name of Company
PT Bank Mayapada Internas ional, Tbk.
Pembentukan Per us ahaan Founded
10 J anuari 1990
Kepemilikan (per 31 Des ember 2007)
Owner s hip (as of December 31,2007)
PT Mayapada Karunia
14,14%
PT Mayapada Kas ih
9,84%
Brilliant Bazzar Lim ited Ltd
7,76%
Sum m ertim e Ltd
24,43%
UBS AG
3,84%
Dubai Ventures Ltd
7,68%
Avenue Luxem bourgh S.A.R.L
23,03%
Mas yarakat (< 5%)
9,27%
Bidang Us aha Line of Bus ines s
Perbankan Banking
Kode Saham Stock
MAYA
Kode Obligas i Bond
MAYA01B
MAYA02A, MAYA02B, MAYA02C
Biro Adminis tr as i Efek Share Regis tr ar
PT. Adim itra Trans ferindo
J l. Bukit Gading Raya Blok A No.7
Kelapa Gading Barat
J akarta Utara 14
Alamat Addres s
Mayapada Tower Lantai GF – 1s t Fl.
J l. J end. Sudirm an Kav. 28
J akarta 12920 - Indones ia
Telp.
021 521 2288 (Hunting)
021 521 2300 (Hunting)
Fax.
021 521 1965
E- m ail. m ayapada@bankm ayapada.com
www.bankm ayapada.com
02
03
ikhtis ar Saham
Stock Highlights
Da ta Ke ua nga n Pe nting Fina ncia l Highlights
(in Rp. 000.000,-)
Harga Saham
Share Pr ice
Triwulan
Triwulan
Triwulan
Triwulan
Ter tinggi
Higher
Pertam a Firs t Quarter
Kedua Second Quarter
Ketiga Third Quarter
Keem pat Fourth Quarter
2006
145
235
265
530
Terendah
Lowes t
Ter tinggi
Higher
120
130
175
200
600
680
740
960
2007
Terendah
Lowes t
450
500
550
580
Kiner ja Saham Share Per for mance
2006
2007
Harga Tertinggi Highes t Price
Harga Terendah Lowes t Price
Harga Akhir Tahun Year- End Price
Nilai Buku per Saham Book Value per Share
Laba per Saham Earnings per Share
530
120
530
288
28,09
960
450
960
369
18,90
Kepemilikan Efek yang mencapai 5% atau lebih. Stock owner s hip of more than 5%.
No.
1.
2.
3.
4.
5.
6.
Data Pemegang Saham
Shareholder Name
Kebangs aan
Nationality
J umlah Saham
Total Shares
% Kepemilikan
% Owner s hip
Brilliant Bazaar Pte Lim ited
Mayapada Karunia PT
Mayapada Kas ih PT
Sum m ertim e Lim ited
Dubai Ventures Ltd
Avenue Luxem bourgh S.A.R.L.
Lem baga
Lem baga
Lem baga
Lem baga
Lem baga
Lem baga
200.000.000
364.280.500
253.540.000
629.420.000
197.900.000
593.500.000
7,76%
14,14%
9,84%
24,43%
7,68%
23,03%
As ing Foreign Ins titution
Indones ia Indones ia Ins titution
Indones ia Indones ia Ins titution
As ing Foreign Ins titution
As ing Foreign Ins titution
As ing Foreign Ins titution
Kepemilikan Efek oleh Direks i dan Komis ar is . Stock Owner s hip by Board of Director s and Board of Commis s ioner s .
04
No.
Nama
Name
J abatan
Pos ition
J umlah Kepemilikan
Total of Owner s hip
% Kepemilikan
% Owner s hip
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
Tahir. MBA
Drs . Nas rudin Sum intapura. MA
Ir. Kum hal Djam il. SE
Tj. Sudarm an, MBA
Ir. Hendra
J ane Dewi Tahir
Hariyono Tjahjarijadi
Suwandy
Hariati Tupang
Drs . Bam bang Rahardjo
Ir. Vins ens ius Chandra. MM
Kom is aris Utam a Pres ident Com m is s ioner
Kom is aris Com m is s ioner
Kom is aris Com m is s ioner
Kom is aris Com m is s ioner
Direktur Utam a Pres ident Director
Wakil Direktur Utam a Vice Pres ident Director
Direktur Director
Direktur Director
Direktur Director
Direktur Director
Direktur Director
12.150.000
0
0
0
0
3.000.000
0
0
0
0
0
0,94%
0,00%
0,00%
0,00%
0,00%
0,23%
0,00%
0,00%
0,00%
0,00%
0,00%
Ner aca Balance Sheets
2007
2006
2005
2004
2003
Aktiva Lancar Liquid As s ets
Aktiva Produktif Earnings As s ets
Penyis ihan Aktiva Produktif Allowance for Pos s ible Los s es
Pinjam an Loans
J um lah Aktiva Total As s ets
910.307
4.133.599
47.717
3.068.060
4.474.878
522.344
3.028.846
45.575
2.536.246
3.699.865
429.282
2.349.734
40.817
2.064.757
3.155.554
339.453
1.861.037
41.235
1.588.187
2.556.260
237.256
1.692.650
29.086
1.548.059
2.330.055
Dana Pihak Ketiga Depos its
J um lah Kewajiban Total Liabilities
Ekuitas Equities
2.953.339
3.533.226
941.652
2.973.665
3.328.594
371.271
2.507.376
2.823.343
332.211
2.153.849
2.238.553
317.707
2.002.679
2.049.485
280.570
2007
2006
2005
2004
2003
497.384
275.949
11.391
135.029
482.950
326.611
7.618
103.926
315.919
197.427
9.971
104.226
-
255.739
131.582
18.058
78.434
50.129
328.697
219.112
8.148
78.455
58.946
52.899
23.831
25.426*)
22.413
2007
2006
2005
2004
2003
103,88%
85,35%
82,35%
73,74%
77,30%
29,95%
13,82%
14,24%
14,43%
13,68%
1,46%
5,81%
29,08%
20,34%
7,24%
6,85%
88,46%
0,11%
100,00%
1,55%
10,65%
69,94%
14,12%
9,80%
6,16%
88,91%
0,34%
109,93%
0,84%
5,29%
71,55%
13,60%
11,20%
5,74%
92,65%
1,30%
122,85%
2,11%
13,11%
80,46%
13,28%
7,21%
7,24%
81,27%
1,03%
151,61%
0,94%
2,08%
67,03%
10,18%
7,45%
6,44%
93,40%
0,64%
114,26%
0.14%
0,48%
0,21%
0,65%
1,32%
1,79%
1,90%
3,11%
4,16%
4,68%
Lapor an Laba Rugi Income Statements
Pendapatan Bunga Interes t Incom e
Biaya Bunga Interes t Expens e
Pendapatan Operas ional Lainnya Other Operating Incom e
Beban Operas ional Lainnya Other Operating Expens e
Laba/Rugi Sebelum Quas i- Reorganis as i
Profit/Los s Before Quas i- Reorganis ation
Laba/Rugi Sebelum pajak Profit/Los s Before Incom e Tax
*) laba/Rugi Setelah Quas i- Reorganis as i 31 Mei 2004
Profit/Los s after Quas i- reorganis ation 31 May 2004
Ras io Keuangan Financial Ratios
Ras io Pinjam an terhadap Dana Pihak Ketiga
Loan to Depos its Ratio/LDR
Ras io Kecukupan Modal Minim um
Capital Adequacy Ratio/CAR
Ras io Laba terhadap Total Aktiva Return on As s ets /ROA
Ras io Laba terhadap Modal Return on Equity/ROE
Ras io Aktiva terhadap Modal As s ets to Capital Ratio
Aktiva Lancar/Total Aktiva Liquid As s ets /Total As s ets
Cos t of Fund
Ras io NIM NIM Ratio
Ras io BOPO BOPO Ratio
Ras io Pos is i Devis a Neto Net Forex Pos ition Ratio
Ras io PPAP yang s udah Dibentuk terhadap PPAP yang
wajib dibentuk Exis ting PPAP to Obligatory PPAP Ratio
NPL Neto
NPL Gros s
05
Sam butan dari Dewan Kom is aris
Mes s age from the Board of Com m is s ioners
Kla s ifika s i Aktiva Pr oduktif Cla s s ifica tion of Ea r ning As s e ts
Kolektibilitas Collectibility
(Rp. 000.000,-)
%
Lancar Pas s
Dalam Perhatian Khus us Special Mention
Kurang Lancar Subs tandard
Diragukan Doubtful
Macet Los s
2.558.212
254.239
242.040
1.879
11.690
83,38%
8,29%
7,89%
0,06%
0,38%
J umlah Total
3.068.060
100,00%
Per tumbuhan 5 tahun 5 Year s Growth (Rp. 000.000.000,-)
(in Rp. 000.000.000,-)
J um lah Aktiva Total As s ets
Pinjam an Loans
Dana Pihak Ketiga Depos its
Ekuitas Equities
2003
2004
2005
2006
2007
2.330,1
1.548,1
2.002,7
280,6
2.556,2
1.588,2
2.153,8
317,7
3.155,6
2.064,8
2.507,4
332,2
3.699,9
2.536,2
2.973,7
371,3
4.474,9
3.068,1
2.953,3
941,7
5,000.0
J um lah Aktiva
4,500.0
(Total As s ets )
4,000.0
3,500.0
Pinjam an
(Loans )
3,000.0
2,500.0
Dana Pihak Ketiga
2,000.0
(Depos its )
1,500.0
1000.0
Ekuitas
500.0
(Equities )
Kami mengucap syukur kepada Tuhan Yang Maha Kuasa
atas kas ih karunia yang dilim pahkan kepada Bank
Mayapada s epanjang tahun 2007 s ehingga kinerja Bank
terus meningkat dibandingkan tahun-tahun sebelumnya.
Peningkatan kinerja dan keberhas ilan ters ebut
m erupakan has il kerja keras s eluruh jajaran Pers eroan
dan patut kita s yukuri bers am a.
Sepanjang tahun 2007 Perseroan berhasil meningkatkan
kinerja diberbagai bidang antara lain di bidang s um ber
daya m anuas ia, us aha/bis nis , operas ional, pengawas an
dan Good Corporate Governance. Kinerja s em ua bidang
ters ebut m eningkat cukup baik di tahun 2007. Dewan
Komisaris telah melakukan pengkajian terhadap laporan
Direks i dan Laporan Keuangan Pers eroan, untuk
s elanjutnya akan dilaporkan dalam Rapat Um um
Pem egang Saham Tahunan yang akan datang.
Tahun 2007 juga m erupakan tahun yang is tim ewa bagi
Pers eroan karena s ejalan dengan program Ars itektur
Perbankan Indones ia (API), Pers eroan berhas il
m eningkatkan m odal dis etor m enjadi Rp
412.955.800.000,00 (em pat ratus dua belas m iliar
s em bilan ratus lim a puluh lim a juta delapan ratus ribu
rupiah) s ehingga total m odal m enjadi Rp 1.086 triliun
dan Capital Adequas i Ratio (CAR) 29,95% hal ini
m enunjukkan Pers eroan s udah s iap tum buh dan
berkem bang s erta m enjadi bank yang s ehat s es uai
dengan program API yang dicanangkan Bank Indonesia.
Sam pai akhir tahun 2007 jum lah as s et m encapai
Rp 4,5 triliun dengan jum lah kantor 72 (tujuh puluh dua)
dan jum lah karyawan 1.272 orang.
0.0
2003
2004
2005
2006
2007
Por tofolio Pinjaman Loan Por tfolio
Sektor Ekonomi Economic Sector
(Rp. 000.000,-)
%
7,76%
33,57%
22,54%
J as a Services
1.030.044
33,57%
Perdagangan Trade
753.733
24,57%
Indus tri Indus try
360.873
11,76%
Kons truks i Cons truction
691.507
22,54%
Lain- Lain Others
231.903
7,76%
11,76%
J umlah Total
06
3.068.060
100,00%
24,57%
Sejalan dengan kem ajuan bis nis yang pes at, Pers eroan
juga m eningkatkan fungs i pengawas an s eiring dengan
perkembangan peraturan perbankan yang ada sehingga
operas ional Pers eroan dapat berjalan s es uai dengan
ketentuan yang berlaku dalam rangka m eningkatkan
Good Corporate Governance. Secara berkala Dewan
Kom is aris dan Direks i Pers eroan m elakukan evaluas i
kinerja manajemen dan mengevaluasi laporan keuangan
s erta m enetapkan arah kebijakan agar m am pu
m em enuhi target pencapaian s es uai dengan rencana
bis nis Bank.
We prais e the Lord Alm ighty for His grace to Bank
Mayapada during 2007 perm itting the Bank to better its
perform ance com pared to the previous years . All thos e
achievement were the result of hard work by all elements
in the Com pany and des erve our m utual gratitude.
During 2007 the Com pany s ucceeded in im proving its
operational perform ance in all its lines , am ong other
in its hum an res ources , bus ines s , operational,
supervis ion and Food Corporate Governance. The Board
of Com m is s ioners has reviewed the Board of Directors
report and the Com pany’s Financial Report, which s hall
further be reported and ratified in the com ing General
Meeting of Shareholders .
2007 was als o a s pecial year for the Com pany, in line
with the Indones ian Banking Architecture (API), the
Com pany s ucceeded in im proving its paid- in capital to
Rp.412,955,800,000.00 (four hundred twelve billion nine
hundred and fifty- five m illion eight hundred thous and
rupiah) bringing the total capital to Rp.1,086 billion and
its Capital Adequacy Ratio (CAR) to 29.95% s howing that
the Com pany is growing and developing on the track to
becom e a sound bank in accordance to the API program
announced by Bank Indones ia. Until the end of 2007 the
Company’s asset reached Rp.4,5 trillion with 72 (seventytwo) offices and total em ployees 1,272 pers ons .
Supervis ory functions was continually im proved in line
with rapid bus ines s developm ent and in line with
prevailing banking regulations , with the objective that
the Com pany’s banking operation m ay m eet prevailing
s tipulations in the fram ework of im proving Good
Corporate Governance. The Board of Com m is s ioners
and the Board of Directors periodically evaluate the
m anagem ent perform ance and evaluate the com pany’s
financial report and s tipulate each policy directive to
attain the target achievem ent according to the Bank
Bus ines s Plan.
07
Sam butan dari Dewan Direks i
Mes s age from the Board of Directors
Untuk m enghadapi tantangan indus tri perbankan
dim as a m endatang Pers eroan terus m eningkatkan
budaya kerja profes s ional yang m engacu kepada nilainilai utam a budaya perus ahaan dibidang trans parans i,
integritas , profes ioalis m e, dan kem am puan m enjawab
tantangan- tantangan yang tim bul dalam operas i
perbankan. Dengan s em angat kerjas am a yang baik,
integritas dan kewaspadaan yang tinggi Perseroan akan
m am pu m engatas i pers aingan pas ar yang s em akin
m eningkat s erta m em as tikan pertum buhan jangka
panjang yang berkes inam bungan.
Pada kes em patan ini kam i atas nam a Dewan Kom is aris
m enyam paikan penghargaan kepada s egenap jajaran
m anajem en dan s eluruh karyawan atas dedikas i yang
telah diberikan s ehingga kita bis a m elalui tahun 2007
dengan baik. Kepada s eluruh s takeholder Bank
Mayapada yang m eliputi s em ua pem egang s aham ,
nas abah dan m as yarakat um um kam i m engucapkan
terim a kas ih atas kepercayaan dan dukungan yang
diberikan. Kepada Bank Indones ia, s ecara khus us kam i
m engucapkan terim a kas ih atas pem binaan dan
pengawas an yang s udah dilakukan s elam a ini.
In order to face the challenges in the com ing years
Bank Mayapada will continue to focus on im plem enting
professional work ethics referring to the main company’s
culture of trans parency, integrity, profes s ionalis m , and
the ability to addres s em erging challenges in banking
operation. By s olid and good cooperation, integrity and
caution the Com pany will be able to overcom e the s trict
com petitive m arket and ens ure a continual long- term
growth.
On this opportunity, we on behalf of the Board of
Com m is s ioners wis h to convey our gratitude to all
m em bers of the m anagem ent and em ployees for the
dedication which they have s hown, to all s hareholders
and customers and the public in general on their support,
trust and cooperation, and to Bank Indonesia our special
thanks on their guidance and s upervis ion.
Dewan Komis ar is ,
The Board of Commis s ioner s ,
Tahir , MBA
Kom is aris Utam a
Pres ident Com m is s ioner
Dr s . Nas r udin Sumintapur a.MA.
Kom is aris
Com m is s ioner
08
Ir. Kumhal Djamil, SE
Kom is aris
Com m is s ioner
Tj. Sudar man, MBA
Kom is aris
Com m is s ioner
Perkem bangan Bank Mayapada di tahun 2007 patut
kita s yukuri bers am a. Kas ih karunia Tuhan Yang Maha
Kuas a m em bukakan kes em patan yang m em ungkinkan
Bank Mayapada berkem bang dengan s angat baik di
tahun 2007. Segenap jajaran Manajem en dan Karyawan
Bank dengan penuh kom itm en m elaks anakan m is i
untuk m em pertahankan operas ional bank yang s ehat
dan m em berikan nilai tam bah m aks im um kepada
nasabah, karyawan, pem egang saham , dan pem erintah.
Sem ua itu dilakukan untuk m encapai vis i m enjadi s alah
s atu bank s was ta terkem uka di Indones ia dalam nilai
as s et, profitabilitas dan tingkat kes ehatan.
Has il kerja yang pos itif di tahun 2007 tercerm in dalam
peningkatan kinerja operas ional Bank di berbagai
bidang. Dalam kondis i perekonom ian dim ana s ektor
riil belum bertum buh s epenuhnya, Bank m enunjukkan
kinerja yang s angat baik s eperti ditunjukkan oleh
beberapa indikator berikut. As et Bank Mayapada per
31 Des em ber 2007 m eningkat s ebes ar 20,95%
dibandingkan periode s ebelum nya pada 31 Des em ber
2006 m enjadi s ebes ar Rp. 4.474.878 juta. Pem berian
kredit m eningkat 20,97% m enjadi Rp.3.068.060 juta.
Dana pihak ketiga m encapai angka Rp. 2.953.339 juta.
Laba perseroan juga meningkat sebesar 11,43% menjadi
Rp. 58.946 juta. CAR naik m enjadi 29,95% m eningkat
pes at dibandingkan tahun 2006, dem ikian juga dengan
NPL m em baik m enjadi 0.14%
Dilihat dari indikator perkem bangan keuangan Bank
Mayapada m enunjukkan trend peningkatan baik dalam
aktiva, dana pihak ketiga ataupun tingkat kes ehatan
Bank. Perbaikan ini ditunjang juga dengan beberapa
keberhas ilan yang ditunjukkan oleh berbagai indikator
di bidang ekonom i yang m enunjukkan angka- angka
yang m enggem birakan s elam a tahun 2007 s eperti
halnya kebijakan penurunan s uku bunga oleh Bank
Indones ia hingga m enjadi s ingle digit s elam a tahun
2007.
Dalam hal perbaikan layanan dan penyediaan s arana
perbankan bagi Nas abah, Bank s udah m em perluas
jaringan kantor baru dis eluruh Indones ia. Hingga akhir
tahun 2007, Bank s udah m em iliki 72 kantor di 11
propins i. Hal ini s ejalan dengan us aha Bank untuk
m elayani nas abah ritel dan cons um er, s ehingga
perluas an jaringan m enjadi s alah s atu fokus utam a.
Bank Mayapada developm ent in 2007 des erves our
m utual gratefulnes s . The grace of God Alm ighty
perm itted Bank Mayapada to grow very well in 2007.
The Bank Managem ent and all its Em ployees fully
com m itted them s elves to execute the m is s ion to
m aintain the bank s ound operation and provide
m axim um added value to the clients , em ployees ,
s hareholders and the governm ent. All of it conducted
to attain the vis ion to be one of the prom inent private
banks in Indones ia in its as s et value, profitability and
a level of s oundnes s .
The pos itive res ult of 2007 was reflected in the
im provem ent of the bank operational perform ances in
s everal fields . In the econom ic condition where the real
s ector is not yet fully grown, the Bank has s hown very
good perform ance, as shown by the following indicators.
Bank Mayapada’s as s et as at 31 Decem ber 2007
increas ed by 20.95% com pared to the previous period
as at 31 December 2006 to become Rp. 4,474,878 million.
Credit advance increased 20.97% to Rp. 3,068,060 million.
Third party equities reached Rp. 2,953,339 m illion. The
com pany profit als o increas e by 11.43% to becom e
Rp. 58,946 m illion. CAR also increased to 29.95% a rapid
growth com pared to 2006, the s am e als o can be s aid
of the NPL im provem ent to 0.14%.
Seen from the financial developm ent indicator, Bank
Mayapada shows a trend of good improvement in assets,
third party equities and als o the bank s oundnes s level.
Thos e im provem ents were further s upported by s everal
s ucces s es s hown by various indicators in the econom ic
s ector s howing prom is ing num bers during 2007 s uch
as the policy to decrease interest rate by Bank Indonesia
to achieve a s ingle digit during 2007.
In im proving its cus tom er s ervice and providing of
banking tools for our Clients , the Bank has s uccess fully
expanded its new network offices over all Indones ia. As
at the end of 2007, the Bank owned 72 offices in 11
provinces . This was in line with the Bank effort to s erve
the retail and cons um er clients , therefore expanding
its network was one of the m ain focus . The Bank had
als o coordinated with s everal ATM network, s uch as
Collective ATM, ATM Prim a and Debit Prim a, s o that
Bank Mayapada are able to do trans actions through the
ATM of m ore than 14.000 ATM all over Indones ia and
09
Bank juga s udah bekerja s am a dengan beberapa
jaringan ATM s eperti ATM Bers am a, ATM Prim a dan
Debit Prim a, dengan dem ikian nasabah Bank Mayapada
dapat m elakukan trans aks i m elalui ATM di lebih dari
14.000 ATM dis eluruh Indones ia dan lebih dari 63.000
Electronic Data Capture (EDC) jaringan Kartu Debit
Prim a dis eluruh Indones ia. Perluas an jaringan akan
terus dilakukan m enandai era lepas landas Bank
Mayapada ditahun 2007.
Selam a tahun 2007, Bank juga s ecara produktif s udah
m engem bangkan produk-produk baru yang inovatif dan
kom petitif antara lain My Fam ily Saving, My Dana Cepat,
My Dana Mapan, My s aving Inves ta, My Hom e Flexi,
Giro/Tabungan Prem ium dan My Renovation Loan,
s eiring dengan perm intaan nas abah akan produkproduk perbankan yang m enguntungkan s erta
m em berikan nilai tam bah bagi nas abah.
Bank Mayapada juga fokus dalam m elayani debitur
dengan s kala m enengah kebawah (Sm all Medium
Enterpris e /SME) yaitu dengan m engem bangkan
Mayapada Mitra Us aha (MMU) s ebuah s egm en bis nis
yang dirancang khus us untuk debitur- debitur SME.
Jaringan MMU terus dikembangkan antara lain dilokasilokas i pas ar s eperti pas ar induk Kram at J ati, Ps . Kranji,
Tam bun, Cileungs i, Cibitung, Cipondoh, Cis alak, Pus at
Gros ir Cililitan, Ps Kebayoran Lam a, Ps Kem bangan
Bogor, Ps Johar Semarang, Ps Sukawati dan Ps Badung,
Bali. Dengan kes adaran penuh bahwa s ektor ini akan
terus berkem bang s ecara progres if, Bank
m erencanakan untuk m engem bangkan lebih banyak
kantor MMU dis eluruh nus antara.
Manajem en Bank juga telah m engam bil langkah
s trategis di tahun 2007 dengan m enggandeng 3 (tiga)
inves tor as ing untuk peningkatan m odal Bank, m ereka
adalah Avenue Luxem burg SARL, Dubai Ventures
Lim ited, dan Harm ony Indones ia Ltd dengan jum lah
s aham s ebes ar 34.55% dim ana dana yang dis etorkan
digunakan untuk perluas an jaringan dan peningkatan
s ys tem teknologi Bank. Bergabungnya ketiga inves tor
m enunjukkan kepercayaan dari pihak as ing terhadap
kinerja yang telah dicapai pers eroaan s elam a ini.
10
m ore than 63.000 Electronic Data Capture (EDC) Prim a
Debit Card network over all Indones ia. Network
expans ion s hall be continuous ly conducted heralding
Bank Mayapada take off in 2007.
During 2007, the Bank als o productively developed new
innovative and com petitive products am ong others , My
Fam ily Saving, My Dana Cepat, My Dana Mapan, My
Saving Inves ta, My Hom e Flexi, Prem ium Depos it
Account / Savings and My Renovation Loan, inline with
the cus tom er reques t for m ore profitable banking
products which als o give added value to clients .
Bank Mayapada als o focus s ed in s erving m iddle lower
debtors (Sm all Medium Enterpris e / SME) by developing
Mayapada Mitra Us aha (MMU) a bus ines s s egm ent
especially targetted for SME debtors. The MMU network
is continuous ly expanded am ong others in m arket
locations such as the central m arket Kram at J ati, Kranji
Market, Tam bun, Cileungsi, Cibitung, Cipondoh, Cisalak,
Pus at Gros ir Cililitan, Kebayaron Lam a Market,
Kem bangan Bogor Market, J ohar Market, Sukawati
Market, and Badung Market, Bali. Fully aware that this
s ector will continually progres s ively develop, the Bank
is planning to s et- up m any m ore MMU offices over all
Indones ia.
The Bank m anagem ent had als o taken a s trategic s tep
in 2007 by inviting 3 (three) foreign inves tors to upgrade
the Bank capital, they were Avenue Luxem burg SARL,
Dubai Ventures Lim ited, and Harm ony Indones ia Ltd.
with a s hare am ounting to 34.55 % and the paid in fund
was us ed to expand network and upgrading the bank
technological s ys tem . The inclus ion of thos e three
inves tors s hows the trus t of foreign party on the
perform ance achieved by the com pany.
Sejalan dengan Ars itektur Perbankan Indones ia (API),
Bank Mayapada akan terus m endukung rencana
pem erintah untuk m enyehatkan perbankan nas ional
dan s iap m engam bil peran aktif dalam m ewujudkan
program API. Untuk itu Bank akan terus m eningkatkan
pengawas an s ecara efektif dem i ketahanan s is tem
perbankan nas ional m enghadapi era globalis as i. Untuk
itu Bank s ecara aktif m elatih s um ber daya m anus ianya
untuk m eningkatkan etika kerja profes ional, good
corporate governance dan pengelolaan res iko s es uai
prins ip- prins ip dalam Bas el Core Principles . Setiap
pers onail Bank Mayapada dituntut untuk m em iliki
integritas dan profes ionalis m e yang tinggi guna
m engatas i pers aingan pas ar yang s em akin m eningkat
s eiring dengan terbentuknya Ars itektur Perbankan
Indones ia yang s em akin baik.
In line with the Indones ian Banking Architecture (API),
Bank Mayapada s hall cons is tently s upport the
governm ent plan to upgrade the s oundles s of national
banking and is ready to take active part in realizing the
API program . The Bank s hall therefore cons is tently
im prove its s upervis ion effectively to m aintain the
national banking s ys tem endurance in facing the
globalis ation area. For s uch purpos e the Bank actively
train its hum an res ources to upgrade the profes s ional
work ethics , good corporate governm ent, and ris k
m anagem ent according to the principles in the Bas el
Core Principles . Each and everyone of the Bank
Mayapada pers onnel is challenged to have integrity and
high profes s ionalis m to be able overcom e m arket
com petition which is becom ing m ore tight parallel to
the better Indones ia Banking Architecture.
Akhir kata, pada kesem patan ini kam i atas nam a Dewan
Direks i m enyam paikan penghargaan yang s etinggitingginya kepada segenap jajaran Komisaris, Manajemen
dan karyawan untuk dedikas i yang telah diberikan
s epanjang tahun 2007. Kam i juga berterim a kas ih
kepada s em ua s takeholder Bank Mayapada antara lain
kepada pem egang s aham , para nas abah dan
m as yarakat um um , s erta pem erintah m elalui Bank
Indones ia atas perhatian, pem binaan dan pengawas an
yang telah diberikan kepada Bank Mayapada sepanjang
tahun 2007.
As a clos ing rem ark, we on behalf of the Board of
Director als o convey our highes t appreciation to all
m em bers of the Board of Com m is s ioner, Managem ent
and em ployees for the dedication s hown during 2007.
We are als o grateful to all Bank Mayapada s takeholder
am ong others to s hareholders , all clients and the public
in general, and als o the governm ent through the care
of Bank Indones ia, guidance and s upervis ion given to
Bank Mayapada during 2007.
Greetings
Salam Sejahtera,
Dewan Direks i,
Board of Director s ,
Ir. Hendr a
Direktur Utam a
Pres ident Director
Har iyono Tjahjar ijadi
Direktur
Director
Har iati Tupang
Direktur
Director
J ane Dewi Tahir
Wakil Direktur Utam a
Vice Pres ident Director
Suwandy
Direktur
Director
Bambang Rahardjo
Direktur
Director
Vins ens ius Chandr a
Direktur
Director
11
Struktur Kelom pok Us aha yang terkait dengan kepem ilikan Saham Bank
Shareholding Structure
Struktur Organis as i
Organization Structure
Board of Commis s ioner s
PT. BANK MAYAPADA INTERNASIONAL Tbk.
•
•
•
Tahir, MBA : 99,9%
Audit Com m ittee
Ris k Policy Com m ittee
Rem uneration & Nom ination
Com m ittee
Pres ident Director
9,84%
PT. Mayapada Kas ih
He ndra Mulyono
Internal Audit
& Control
Raym ond : 0,1%
Indah.
Deputy Pres ident Director
Jane De wi Tahir
Tahir, MBA : 99,9%
14,14%
PT. Mayapada Karunia
Hum an Res ources
•
Hendra Wijaya : 0,1%
•
•
•
Wang, Clem ent Kai : 95%
•
•
Credit Com m ittee
Credit Policy Com m ittee
Alco Com m ittee
IT Com m ittee
Budget Com m ittee
Ris k Managem ent Com m ittee
Alice R.
Credit Review
He ndra M.
Corporate Secretary
24,43%
Sum m ertim e Lim ited
Bambang R.
Raym ond Budhin : 5%
Aik Chor Ann : 50%
7,76%
Brilliant Bazaar Pte Ltd.
Network &
Cons um er
Banking
Corporate
Banking &
Trade Services
Finance &
Corporate
Services
Vins e ns ius
Suwandy
Hariyono T.
Hariati T.
SME
Banking
Branch
Coordinator
Corporate
Banking
Vins e ns ius C.
Agus Suyanto
Djoni S.
Budget
Control &
Reporting
23,03%
Avenue Luxem bourg S.A.R.L
9,28%
Public
12
Com pliance
& Ris k
Toto B.
Bambang R.
Operations
Com pliance
& KYC
His Highnes s General Sheik Moham m ed
bin Ras hid Al Maktoum : 100%
Andi Bintoro
Harm ony Inves tm ent Fund
Lim ited : 100%
Avenue Capital Group : 100%
Toto B.
Chandra K.
Hariati T.
Micro
Banking
3,84%
Harm ony Indones ia
Inves m ent Pte Ltd.
Operation &
Technology
Chandra
Wong Ching Wai : 50%
7,68%
Dubai Ventures Lim ited
Micro
SME
Banking
Branch
Infras tructure
& Quality
Treas ury
Titie k Is dayati
Ali Gading
Cons um er
Banking &
Product
Managem ent
Accounting
& Tax
Managem ent
Inform ation
Technology
Ris k
Managem ent
Yus ak P.
Te s to T.
Hariati T.
FI &
Corres pondent
Banking
Niko
General
Affair
Elizabe th S.
Legal &
Credit
Proces s ing
Yos e ph TP.
Raymond L.
Car Loan
Trade Services
Margare th S.
Hariyono T.
Garis Kom unikas i
Garis Kom unikas i
13
Manajem en
Managem ent
Daftar Riwayat hidup Dewan Kom is aris
Res um e of the Board of Com m is s ioners
Dewan Komis ar is The Board of Commis s ioner s
Tahir , MBA
Kom is aris Utam a, Warga Negara Indones ia, lahir di
Surabaya pada tahun 1952, seorang pengusaha nasional.
Lulus an Nan Yang Univers ity, Singapore pada tahun
1976 dan Master of Business Adm inistration dari Golden
Gate Univers ity, San Francis co, USA pada tahun 1987.
Mem ulai us aha di dealer autom otive (1981- 1989) dan
juga s ebagai Bus ines s Advis or dengan jabatan Deputy
Managing Director di PT BNP Lippo Leas ing (19811986). Bergelut dalam bidang teks til dengan m enjabat
Presiden Direktur Mayatexdian Group (1986-1989). Pada
tahun 1988 diangkat s ebagai Dos en Luar Bias a di
Univers itas Airlangga, Surabaya. Mem ulai karir di
perbankan dengan m enjabat s ebagai Pres iden Direktur
Bank Mayapada (1990-1994). Saat ini m enjabat s ebagai
Wakil Kom is aris Utam a di PT Sona Topas Touris m
Indus try dan PT Inti Dufree Prom os indo s ejak tahun
1996. Diangkat s ebagai Wakil Kom is aris Utam a
Perseroan sejak tahun 1994 hingga J uni 2000, dan sejak
J uni 2000 hingga s ekarang m enjabat s ebagai Kom is aris
Utam a Pers eroan.
Tahir , MBA
Pres ident Com m is s ioner, Indones ian citizen, born in
Surabaya in 1952, a national entrepreneur. Graduate of
Nan Yang Univers ity, Singapore in 1976 and Mas ter of
Bus iness Adm inis tration of Golden Gate Univers ity, San
Francis co, USA in 1987. Started bus ines s as in
autom otive dealer (1981- 1989) and als o as Bus ines s
Advis or in his pos ition as Deputy Managing Director at
PT BNP Lippo Leas ing (1981- 1986). Did his bes t in the
textile industry as Pres ident Director of the Mayatexdian
Group (1986-1989). In 1988 appointed as Extraordinary
Lecturer in Airlangga Univers ity, Surabaya. Started his
banking career as Pres ident Director in Bank Mayapada
(1990- 1994). Currently he is als o Vice Pres ident
Com m is s ioner in PT Sona Topas Touris m Indus try and
PT Inti Dufree Prom os indo s ince 1996. Appointed as
Vice Pres ident Com m is s ioner of the com pany in 1994
until J une 2000, and s ince J une 2000 up to the pres ent
s till Pres ident Com m is s ioner of the Com pany.
Dr s . Nas r udin Sumintapur a. MA
Kom is aris , Warga Negara Indones ia, lahir di J akarta
pada tahun 1938. Menyeles aikan pendidikan MA di
Univers ity of Wis cons in, USA pada tahun 1971.
Menjalankan pendidikan Sarjana Ekonomi di Universitas
Indones ia pada tahun 1965. Pengalam an: Menteri Muda
Keuangan RI (1988-1993), Gubernur Bank Pembangunan
Is lam , IDB, (1988- 1993), Kom is aris PT Bank Eks por
Im por Indones ia (1993- 1995), Kom is aris Utam a PT
Arthaloka Indones ia, PT Bhakti Inves tam a, Tbk., PT
Multi Angs ana Ganda, PT Pancapers ada Pram udita, PT
Kas nic Duff & Phelps Credit Rating Indones ia, dan
s ebagai Kom is aris PT Bank Niaga, Tbk. (J anuari 1999
– Maret 2000). Menjabat s ebagai Duta Bes ar Indones ia
untuk Uni Eropa s ejak 22 Maret 1999. Menjabat s ebagai
Kom is aris Pers eroan s ejak J uni 1998.
Dr s . Nas r udin Sumintapur a. MA
Com m is s ioner, Indones ian citizen, born in J akarta in
1938. Com pleted his MA education at the Univers ity of
Wisconsin, USA in 1971. Studied Econom y in Universitas
Indonesia in 1965. Experience: Junior Minister of Finance
of RI (1988-1993), Governor of the Is lam ic Developm ent
Bank, IDB, (1988-1993), Com m is s ioner PT Bank Export
Im port Indones ia (1993-1995), Pres ident Com m iss ioner
PT Arthaloka Indones ia, PT Bhakti Inves tam a, Tbk., PT
Multi Angs ana Ganda, PT Pancapers ada Pram udita, PT
Kas nic Duff & Phelps Credit Rating Indones ia, and as
Com m is s ioner of PT Bank Niaga, Tbk. (J anuary 1999 –
March 2000). Was appointed as Indones ian Am bass ador
for the European Union on 22 March 1999. Has been a
Com m is s ioner of the com pany s ince J une 1998.
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Tahir, MBA - Kom is aris Utam a Pres ident Com m is s ioner
Drs . Nas rudin Sum intapura. MA - Kom is aris Com m is s ioner
Ir. Kum hal Djam il, SE - Kom is aris Com m is s ioner
Tj. Sudarm an. MBA - Kom is aris Com m is s ioner
Dewan Direks i The Board of Director s
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Ir. Hendra - Direktur Utam a Pres ident Director
J ane Dewi Tahir - Wakil Direktur Utam a Vice Pres ident Director
Hariyono Tjahjarijadi - Direktur Director
Suwandy - Direktur Director
Hariati Tupang - Direktur Director
Drs . Bam bang Rahardjo - Direktur Director
Ir. Vins ens ius Chandra. MM - Direktur Director
Pejabat Eks ekutif Executive Staff
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Toto Bartholom eus - Wakil Eks ekutif Utam a Executive Vice Pres ident
Kepala Divis i Head of Divis ions
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Elizabeth Sindawati
Margareth Sindawati
Yohanes Ali Surya Gading
Dra. Titiek Is dayati
Ir. Yus ak Pranoto
A. Chandra Kurniawan,SE.MBA
Trijanti Setiawan
Indah Liliawaty Kurniawan
Alice Ros hadi, STh
Djoni Sofian Salim
Raym ond Lukas
Yos eph Tedi Purnawan C.B
Nikolaus Lis tyo Nugroho P
Andi Bintoro Tjahja
Divis i Um um General Divis ion
Divis i Kredit Kendaraan Berm otor Motor Vehicle Credit Divis ion
Divis i Branch Banking Branch Banking Divis ion
Divis i Treas ury Treas ury Divis ion
Divis i Tehnologi Inform as i Inform ation Technology Divis ion
Divis i Sis tem dan Pros edur Sys tem and Procedure Divis ion
Divis i Akunting, Keuangan dan MIS Accounting, Financial and MIS Divis ion
Divis i Internal Audit (SKAI) Internal Audit Divis ion (SKAI)
Divis i HRD HRD Divis ion
Divis i Kredit Credit Divis ion
Product Developm ent & Barnding Divis ion
Divis i Operas i Operation Divis ion
Financial Ins titution Corres pondent banking & Capital Market Divis ion
Divis i Kredit Us aha Kecil Sm all Bus ines s Credit Divis ion
Kepala Cabang Head of Br anches
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Eddy Wijaya
Leo Alexandra
Deep Tanudjaja
Ayni Wijati
Tanto Kardjono
Budi Mulyono
J oelina David
Lennie Mes s alina
Minarti
Rolan Herm awan
Agus Gunawan
Tjhin Djan Min
Mayapada Tower, J akarta
J endral Sudirm an, Bandung
MT Haryono, Sem arang
Rajim an, Solo
Pem uda, Surabaya
MH Tham rin, Denpas ar
Pem uda, Medan
Ahm ad Yani, Makas s ar
Angkatan, Palem bang
Sudirm an, Balikpapan
Tajur, Bogor
Gajah Mada, Pontianak
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Daftar Riwayat hidup Dewan Direks i
Res um e of the Board of Directors
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Ir. Kumhal Djamil,SE
Kom is aris , Warga Negara Indones ia, lahir di Bengkalis
tahun 1938. Menyeles aikan pendidikan Dipl. Ing. Di
Reinis h Wes faelis che Technis che Hochs cule Aachen,
Verfahrens technik pada tahun 1965 dan Sarjana
Ekonom i Univers itas Indones ia pada tahun 1984.
Berbagai jabatan di pem erintahan pernah dijabat oleh
beliau, m ulai dari As is ten Kantor Menteri Negara Ris et
dan Teknologi pada tahun 1980, hingga jabatan s ebagai
Direktur J enderal Perdagangan Luar Negeri (1987) dan
Direktur J enderal Perdagangan Dalam Negeri (19881993). Beliau m engakhiri karirnya di Ins tans i
Pem erintahan s etelah m engabdi lebih dari 20 tahun
dengan m em peroleh berbagai Tanda Kehorm atan.
Pos is i terakhir yang dijabat oleh beliau adalah As is ten
Bidang Indus tri Menteri Koordinator Bidang Produks i
Distribusi (1993). Karir di perusahaan swasta dan BUMN
diawali s ebagai General Manager PT PAN Nus antara
Indones ia (1967), Production Manager PT ICI Paints
Indones ia (1973), Managem ent Developm ent Manager
pada PT Trakindo Utam a (1977) dan Kom is aris Utam a
PT (Pers ero) Kawas an Berikat Nus antara (1989-1992).
Menjabat s ebagai Kom is aris Pers eroan s ejak tahun
1995.
Ir. Kumhal Djamil,SE
Com m is s ioner, Indones ian Citizen, born in Bengkalis
in 1938. Graduated as Dipl. Ing. in Reinis h Wes faelis che
Technis che Hochs cule Aachen, Verfahrens technik in
1965 and graduated in Econom ic from Univers itas
Indones ia in 1984. He has als o held s everal pos itions
in the government, starting from Assistant to the Minister
of Res earch and Technology in 1980, up to General
Director of Overseas Trading (1987) and Director General
of Dom es tic Trade (1988-1993). He ended his career in
the Governm ent Ins titutions after s erving m ore than 20
years and receiving various awards . His las t pos ition
was Ass is tant in the field of Indus try to the Coordinating
Minis ter of Production Dis tribution (1993). Started his
career in the private com pany and State Owned
Com panies as General Manager in PT PAN Nus antara
Indones ia (1967), Production Manager in PT ICI Paints
Indones ia (1973), Managem ent Developm ent Manager
in PT Trakindo Utam a (1977) and Pres ident
Commissioner PT (Persero) Kawasan Berikat Nusantara
(1989- 1992). Held the pos ition of the Com pany’s
Com m is s ioner s ince 1995.
Tj. Sudar man, MBA
Kom isaris, Warga Negara Indonesia, lahir di Pem angkat
tahun 1964. Menyeles aikan pendidikan Mas ter Of
Business Administration dibidang Finance dan Marketing
di IEU Institute Of Managem ent, accredited by European
University, Antwerp, Belgium pada tahun 1992. Mem ulai
karir s ebagai Manajer Akuntans i dan Keuangan di PT
Putra Indah Makm ur dan Putra Adil Makm ur- Putra
Group (1984- 1987). Bergabung dengan group us aha
Pers eroan s ejak tahun 1987 dengan m enjabat s ebagai
Manager Internal Control & Audit Mayatexdian Group
(1987- 1989), General Manager PT Tritexindo Bus ana
Indus tri (1989- 1990), Direktur PT Sona Topas Touris m
Indus tri dan Direktur PT Inti Dufree Prom os indo (19901993), Kom is aris PT Sona Topas Touris m Indus try dan
PT Inti Dufree Prom os indo (1993- J uni 1999), Menjabat
s ebagai Direks i Pers eroan (1993- 2001), Kom is aris
Pers eroan (2001- 2002), Pres ident Direktur PT Yum m y
Beananta Les tari (2001- Maret 2003), Chief Executive
Officer Mayapada Group (2002- Maret 2003) dan tahun
2003 m enjabat Direktur dan s ejak tahun 2007 kem bali
m enjabat Kom is aris Pers eroan
Tj. Sudar man, MBA
Com m is s ioner, Indones ian citizen, born in Pem angkat
in 1964. Graduated as Master Of Business Administration
m ajoring in Finance and Marketing at IEU Ins titute Of
Managem ent, accredited by European Univers ity,
Antwerp, Belgium in 1992. Started his career as
Accounting and Financial Manager in PT Putra Indah
Makm ur and Putra Adil Makm ur- Putra Group (19841987). J oined the com pany group s ince 1987 as a
Manager Internal Control & Audit Mayatexdian Group
(1987- 1989), General Manager PT Tritexindo Bus ana
Indus tri (1989- 1990), Director PT Sona Topas Touris m
Indus tri and Director PT Inti Dufree Prom os indo (19901993), Commissioner of PT Sona Topas Tourism Industry
and PT Inti Dufree Prom os indo (1993- J une 1999), as
Director of the Com pany (1993- 2001), Com pany’s
Com m is s ioner (2001- 2002), Pres ident Director PT
Yum m y Beananta Les tari (2001- Maret 2003), Chief
Executive Officer Mayapada Group (2002- Maret 2003)
and in 2003 held the pos ition of Director and s ince 2007
back again to holding the Com pany’s Com m is s ioner .
Ir. Hendr a
Direktur Utam a, Warga Negara Indones ia, lahir pada
ta hun 1961 di Peka nba ru. Menyeles a ika n pendidika n
Sa rja na Te hnik Ele ktro di Unika Atm a J a ya , J a ka rta
pa da ta h u n 1987. Me m u la i ka r ir s e ba ga i Divis ion
Manager di PT Makm ur Meta Graha Dinam ika (19871992), P e m im pin Ca ba ng di Ba nk Ma ya pa da (19921995), Direktur di PT Bank Global Internas ional (19951996), Dire ktur di P T Sona Topa s Tour is m Indus tr y
(1996- 2001), Dire ktur di P T Inti Dufre e P rom os indo
(1996- 2001), Dire ktur di PT Artha Mulia Inda h (19962001), Menjabat s ebagai Direktur Pers eroan s ejak J uni
2002 dan diangkat s ebagai Direktur Utam a pada bulan
Maret 2003.
Ir. Hendr a
Pres ident Director, Indones ian citizen, born in 1961 in
Pekanbaru. Graduated in Electrical Engineering at Unika
Atma Jaya, Jakarta in 1987. Started his career as Division
Manager in PT Makm ur Meta Graha Dinam ika (19871992), Head of Bank Mayapada Branch (1992- 1995),
Director in PT Bank Global International (1995- 1996),
Director in PT Sona Topas Tourism Industry (1996-2001),
Director in PT Inti Dufree Prom os indo (1996- 2001),
Director in PT Artha Mulia Indah (1996-2001), appointed
as Com pany Director s ince J une 2002 and appointed
as Pres ident Director in March 2003.
J ane Dewi Tahir.
Wakil Direktur Utam a, Warga NegaraIndones ia, lahir
di Sura ba ya Ta hun 1974, Me nye le s a ika n pe ndidika n
Bachelor Of Science dibidang Ekonom i di Univers ity Of
Ottwa pa da ta h u n 1997. Be r ga bu n g de n ga n Ba n k
Mayapada pada tahun 1998 s ebagai Pim pinan Cabang
Pembantu sampai tahun 2004, pada tahun 2005 diangkat
m e nja di Ke pa la Divis i Br a nch Ba nking. Ta hun 2006
m enjabat sebagai Kom isaris Perseroan dan sejak tahun
2007 m enjabat Wakil Direktur Utam a.
J ane Dewi Tahir.
Vice Pres ident Director, Indones ian citizen, born in
Surabaya in 1974, graduated as Bachelor of Science in
Econom ic at the Univers ity of Ottwa in 1997. J oined
Bank Mayapada in 1998 as Head of Sub- Branch until
2004, in 2005 apppointed as Divis ion Head of the Branch
Banking. Held the pos ition of the Com pany
Com m iss ioner in 2006 and s ince 2007 appointed as Vice
Pres ident Director.
Har iyono Tjahjar ijadi, MBA
Direktur, Warga Negara Indones ia, lahir tahun 1957 di
Surabaya. Menyelesaikan pendidikan Master Of Business
di Golde n Ga te Unive rs ity, Sa n Fra ns is co, USA pa da
tahun 1987. Mem ulai karir di perbankan di Bank Central
As ia denga n pos is i a wa l di Depa rtem en Va luta As ing
(1981-1984), Kepala Departem en Operas i Internas ional,
Sistem dan Prosedur (1984-1987), Kepala Bagian Ekspor
Im por (1987- 1989), Kepala Biro Internas ional Banking
da n Ope ra s i Inte rna s iona l (1989- 1990), Wa kil Ke pa la
Divis i In t e r n a s ion a l Ba n kin g (1990- 1992). Mu la i
bergabung dengan Pers eroan s ejak tahun 1992 dengan
m enem pati posisi sebagai Direktur Operasi (1992-1993),
Wakil Direktur Utam a (1994- 1995). Menjabat s ebagai
Dir e ktur Uta m a (1995- 2003) da n s e ja k ta hun 2005
m e nja ba t s e ba ga i Kom is a r is P e r s e r oa n. Me nja ba t
s ebagai Direktur s ejak tahun 2006
Har iyono Tjahjar ijadi, MBA
Director, Indones ian citizen, born in 1957 in Surabaya.
Graduated as Mas ter Of Bus ines s in Golden Gate
Univers ity, San Frans is co, USA in 1987. Started his
banking career in Bank Central As ia in his prelim inary
pos ition in the Departm ent of Foreign Exchange (19811984), International Operation Department Head, System
and Procedure (1984-1987), Export Im port Head (19871989), Internal Banking and Internal Operation Head
(1989- 1990), Vice Head of the International Banking
Divis ion (1990- 1992). J oined the Com pany s ince 1992
as Operational Director (1992- 1993), Vice Pres ident
Director (1994-1995). As Pres ident Director (1995-2003)
and s ince 2005 as Com m is s ioner of the Com pany.
Started as Director s ince 2006
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Suwandy.
Direktur, Warga Negara Indones ia, lahir tahun 1957 di
Medan. Menyelesaikan pendidikan Sarjana di Universitas
Me da n. Me m ula i ka rir di pe rba nka n di Ba nk Ce ntra l
As ia pada tahun 1978- 1991, tahun 1991- 1999 s ebagai
Kepala Cabang Bank Bira, s ebagai Pres ident Director
di PT Batavia Inves tindo Global pada tahun 1999- 2002,
m enjabat Direktur di PT. Royal & Sun Alliant Indrapura
Ins ure nce ta hun 2002- 2003, pa da ta hun 2003- 2006
s e ba ga i As s is te n t To Ch a ir m a n Ma ya pa da Gr ou p
s elanjutnya pada tahun 2004- 2006 s ebagai Kom is aris
PT. Topas Multi Finance dan sejak tahun 2006 bergabung
di Bank Mayapada s ebagai Senior Vice Pres ident, tahun
2007 dia n gka t s e ba ga i Dir e ktu r Ba n k Ma ya pa da .
Suwandy
Director, Indones ian citizen, born in 1957 in Medan.
Graduated from the Medan Univers ity. Started his
banking career in Bank Central As ia in 1978- 1991.
during 1991-1999 as Head of the Branch Bank Bira, as
Pres ident Director in PT Batavia Inves tindo Global from
1999- 2002, held the pos ition of Director in PT Royal &
Sun Alliant Indrapura Ins urance during 2002- 2003, in
2003- 2006 as As s is tant to Chairm an Mayapada Group
and during 2004- 2006 as Com m is s ioner of PT Opas
Multi Finance and in 2006 joined Bank Mayapada as
Senior Vice Pres ident, in 2007 appointed as Director
Bank Mayapada.
Har iati Tupang
Direktur, Warga Negara Indonesia, Lahir di Medan tahun
1964. m enyeles a ika n pendidika n Sa rja na Ekonom i di
Un ive r s ita s Me da n ta h u n 1988, Sa r ja n a Hu ku m di
Un ive r s ita s Dh a r m a wa n gs a ta h u n 1991. m e m u la i
karirnya di PT. Is tana Deli Kencana s ebagai Akunting
Manajer, tahun 1991-1992 sebagai Kepala Divisi Akunting
di P T. Ma ya te xdia n Indus tr i, pa da ta hun 1992- 1995
bekerja di Bank Mayapada s ebagai Kepala Divis i MIS
dan Akunting, s ebagai Direktur di Bank J as a Arta pada
tahun 1995- 1999, tahun 2003- 2007 s ebagai Kom is aris
di PT. New Century Developm ent, Tbk dan s ejak tahun
2007 dia ngka t s e ba ga i Dire ktur di Ba nk Ma ya pa da .
Har iati Tupang
Director, Indones ian citizen, born in 1964 in Medan.
Graduated in Econom ics from Medan Univers ity in 1988,
graduated from the Law Faculty Darm awangs a
Univers ity in 1991. Started her career in PT Is tana Deli
Kencana as Accounting Manager, in 1991-1992 as Head
of Accounting Divis ion in PT Mayatexdian Indus try, in
1992- 1995 s tarted in Bank Mayapada as Head of the
MIS Divis ion and Accounting, as Director in Bank J as a
Arta during 1995-1999, in 2003-2007 as Com m is s ioner
in PT New Century Developm ent, Tbk. Dan s ince 2007
appointed as Director in Bank Mayapada.
Dr s . Bambang Rahardjo
Dire ktur, Wa rga Ne ga ra Indoe ns ia , la hir pa da ta hun
1955 di Bangkalan. Menyeles aikan pendidikan Sarjana
Ekonom i di Univers itas Brawijaya, Malang pada tahun
1984. Mem ulai karir s ebagai Dept. Head Operation di
Bank Lippo (1985- 1988). Branch Manager Bank Lippo
Pondok Indah (1988- 1990), Regional Officer Head dan
Bra nch Ma na ge r Ba nk Lippo Pa nglim a Polim (19901993), De puty Hum a n Re s ource s Group He a d Ba nk
Lippo (1993-1994), Hum an Res ources Group Head Bank
Lippo (1994-1996), Vice Pres ident Director PT BT Lippo
Fin a n ce (1996- 1999). Me n ja ba t s e ba ga i Dir e ktu r
Pers eroan s ejak J uni 1999.
Dr s . Bambang Rahardjo
Director, Indones ian Citizen, born in 1955 in Bangkalan.
Graduated in Economics at Brawijaya University, Malang
in 1984. Started his career as Dept. Head Operation in
Bank Lippo (1985- 1988). Branch Manager Bank Lippo
Pondok Indah (1988- 1990), Regional Officer Head and
Branch Manager Bank Lippo Panglim a Polim (19901993), Deputy Hum an Res ources Group Head Bank
Lippo (1993-1994), Hum an Res ources Group Head Bank
Lippo (1994-1996), Vice Pres ident Director PT BT Lippo
Finance (1996-1999). Held the position of the Com pany’s
Director s ince J une 1999.
Ir. Vins ens ius Chandr a, MM.
Direktur, Warga Negara Indones ia, lahir pada tahun
1967 di J akarta. Menyeles aikan pendidikan Sarjana
Tehnik di Univers itas Indones ia pada tahun 1991.
Mem ulai karir s ebagai Dis trict Sales Manager di PT.
Ens eval, Tbk. - Kalbe Group (1991-1994), National Sales
Manager at Pharm aceutical Divis ion di PT. DBM Brataco Group (1994- 1996), Pim pinan Cabang di PT.
Bank Danam on International, Tbk. (1996- 1997).
Bergabung dengan Perseroan sejak tahun 1997 sebagai
Pim pinan Cabang Salem ba (1997- 2001). Menjabat
s ebagai Kepala Divis i Marketing Pers eroan s ejak tahun
2001. Sejak Desem ber 2002 sebagai Kepala Divisi Kredit
Kom ers ial dan Ritel, Direktur Pers eroan s ejak Maret
2003.
Ir. Vins ens ius Chandr a, MM.
Director, Indones ian Citizen, born in 1967 in J akarta.
Graduated as Technical Engineer at Univers itas
Indones ia in 1991. Started his career as Dis trict Sales
Manager in PT. Enseval, Tbk. - Kalbe Group (1991-1994),
National Sales Manager at Pharm aceutical Divis ion in
PT. DBM - Brataco Group (1994-1996), Branch Head in
PT. Bank Danam on International, Tbk. (1996- 1997).
Joined the Company since 1997 as Brand Head Salemba
(1997-2001). Held the pos ition of Head of the Com pany’s
Marketing Divis ion s ince 2001. Since Decem ber 2002
as Head of the Com m ercial and Retail Credit Divis ion,
Director of the Com pany s ince March 2003.
19
Tinjauan Keuangan Tahun 2007
Financial Review of 2007
Pos is i Ke uangan
Financial Pos ition
Per tumbuhan Aktiva
Bank m encatat pertum buhan aktiva s ebes ar 20,95%
dari tahun s ebelum nya, s ehingga total aktiva per 31
Des em ber 2007 tercatat s ebes ar Rp 4.474,8 m ilyar.
Aktiva lancar tercatat s ebes ar Rp 910,3 m ilyar yang
ters im pan s ebagai s uatu bentuk cadangan prim ary dan
s econdary dalam bentuk kas , giro pada Bank Indones ia,
giro pada bank lain, penem patan call m oney antar bank,
dan pembelian Sertifikat bank Indonesia (SBI), dan Surat
Utang Negara (SUN) yang diperdagangkan. Bes aran
aktiva lancar ini m encerm inkan m as ih tingginya
likuiditas Bank yang m encapai 20,34% dari total aktiva
yang ada.
As s ets Growth
The Bank recorded a