Laporan | Bank Syariah Bukopin

Towards

Premiere

Sustainable

Growth

Strategi Korporasi Corporate Strategy

Visi, Misi, dan Nilai-Nilai Perusahaan Vision, Mission, and Corporate Values Ikhtisar Keuangan

Financial Highlights

Pemegang Saham Bank Syariah Bukopin Shareholders of Bank Syariah Bukopin Profil Bank Syariah Bukopin

Bank Syariah Bukopin Profile Prestasi Bank Syariah Bukopin Bank Syariah Bukopin Achievements Peristiwa Penting

Significant Event

Pengurus Bank Syariah Bukopin

The Management of Bank Syariah Bukopin Struktur Organisasi

Organization Structure SambutanKomisaris Utama

Message from President Commissioner Sambutan Direktur Utama

Message from President Director

Sambutan Ketua Dewan Pengawas Syariah Message from President Sharia Supervisory Board

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contents

daftar isi

Tinjauan Makro Ekonomi dan Keuangan Macro Economic & Financial Highlight Tinjauan Bisnis

Business Highlight Tata Kelola Perusahaan Good Corporate Governance Manajemen Risiko dan Kepatuhan Compliance & Risk Management Sumber Daya Insani

Human Resources Competency Teknologi Informasi

Information Technology Dukungan Divisi Divisions Supporting

Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Pejabat Eksekutif

Executive Functionary Produk & Layanan Product & Services Jaringan Kantor Office Channeling Laporan Keuangan Financial Report

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Strategi Korporasi

Untuk mencapai visi dan misi sesuai dengan arah kebijakan,

PT Bank Syariah Bukopin menetapkan langkah-langkah strategis

sebagai berikut:

1. Pengembangan Usaha dengan Fokus pada Sektor

Usaha Mikro Kecil dan Menengah (UMKM)

2. Mengembangkan Usaha Komersial

3. Mengembangkan Usaha Konsumer

4. Penyediaan Jasa-Jasa

Fee Based Kepada Nasabah

5. Memperkuat Teknologi dan Pelayanan

6. Meningkatkan Jaringan

Outlet

7. Memperkuat Sumber Daya Insani (SDI)

8. Peningkatan Kualitas Pengelolaan Risiko dan Kepatuhan

Corporate Strategy

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

1. Business Development with Focus in

Micro Small Medium Enterprise (MSMEs) sector 2. Develop Commercial Business

3. Develop Consumer Business

4. Provision of Fee Based Services to Customer 5. Strong in Technology and Services

6. Improvement in Outlet Network 7. Strong in Human Resources

8. Improvement in Risk Management and Compliance Quality

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010



Vision

Become the Preferenced

Islamic Bank with the best

services



Mission

• Deliver the best service to the

customer

• Formalized trustworthy &

professional human resource

• Focus on developing MSMEs

• Develop value added to the

stakeholder



Corporate Values

• Trustworthy

• Integrity

• Concern

• Cooperativeness

• Quality



Visi

Menjadi Bank Syariah Pilihan

dengan Pelayanan Terbaik



Misi

• Memberikan pelayanan terbaik

pada nasabah

• Membentuk sumber daya insani

yang profesional dan amanah

• Memfokuskan pengembangan

usaha pada sektor UMKM

• Meningkatkan nilai tambah

kepada

stakeholder



Nilai-Nilai Perusahaan

• Amanah

• Integritas

• Peduli

• Kerjasama

• Kualitas

vision, mission, and

corporate values

visi, misi, dan

fi nancial highlight

ikhtisar keuangan

10,234,143

831,000

09 10

+1.131,53%

Saldo Laba/Rugi

Profit (Loss) Balance

Rp juta / Rp million

2,193,952

1,974,947

09 10

+11,09%

Aset

Asset

Rp juta / Rp million

1,611,773

1,279,783

09 10

+25,94%

Pembiayaan

Financing

Rp juta / Rp million

1,621,913

1,271,855

09 10

+27,52%

Dana Pihak Ketiga

Depositors Fund

Rp juta / Rp million

Dalam Rp /

In rupiah

PERTUMBUHAN

KETERANGAN 2010 2009 GROWTH

%

NERACA

Aset Total 2.193.952.328.077 1.974.947.633.237 11,09 Pembiayaan 1.611.773.371.819 1.279.783.535.604 25,94 Dana Pihak Ketiga 1.621.913.387.702 1.271.855.366.501 27,52 Jumlah Ekuitas 143.565.377.065 133.331.233.872 7,68

LAPORAN LABA (RUGI)

Jumlah Pendapatan 223.155.327.611 131.417.646.431 69,81 Jumlah Beban Operasional 208.801.611.519 128.178.714.112 62,90 Laba (Rugi) Bersih 10.234.143.192 831.000.957 1.131,53

RASIO KEUANGAN (%)

Rasio Kecukupan Modal 11,51 13,06 Laba Bersih terhadap 0,74 0,06 Aktiva Rata-rata

Laba Bersih terhadap 9,65 0,87 Modal Rata-rata

Total Pembiayaan terhadap 99,37 100,62 Dana Pihak Ketiga

Pembiayaan Bermasalah 3,80 3,25 terhadap Total Pembiayaan

Beban Operasional terhadap 93,57 97,54 Pendapatan Operasional

ITEMS

FINANCIAL STATEMENT

Total Assets Financing Depositors Fund Total Equity

STATEMENT OF INCOME (LOSSES)

Total Income Total Operating Expenses Net Income (losses)

FINANCE RATIO (%)

Capital Adequacy Ratio (CAR) Return on Asset (ROA) Return on Equity (ROE) Loan to Deposit Ratio (LDR) Non Performing Financing (NPF) Operating Expenses to

Operating Income BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

pemegang saham bank syariah bukopin

Para

pemegang saham PT Bank Syariah Bukopin (Perseroan) merupakan dari perusahaan-perusahaan nasional dan para tokoh-tokoh dari kalangan unsur Muhammadiyah yaitu sebuah organisasi kemasyarakatan Islam di Indonesia yang memiliki anggota sangat besar. Modal Dasar Perseroan seluruhnya adalah Rp1.000.000.000.000,- (Satu Triliun Rupiah), saat ini total modal Perseroan yang telah disetor para pemegang saham sebesar Rp350.370.000.000,- masing-masing rinciannya adalah:

The

shareholders of PT Bank Syariah Bukopin (the Company) comprises of national companies and leaders of Muhammadiyah, an Islamic organization in Indonesia which has large number of members

Total amount of the Company’s authorized capital is Rp1,000,000,000,000,- (One Trillion Rupiah). At the moment, the Company's total amount of paid-in capital by the shareholders is Rp350,370,000,000,- with details as follow:

Saham / Shares

Pemegang Saham

Nominal Seri A Seri B Seri C % Shareholders

Rp (000)

PT Bank Bukopin Tbk 142.000.000 - 420.000.000 2.000.000.000 65,438

PT Jamsostek 35.000.000 - 350.000.000 - 9,464

PT Bakrie Capital Indonesia 35.000.000 - 350.000.000 - 9,464 PT Mega Capital Indonesia 35.000.000 - 350.000.000 - 9,464

PT Mitra Usaha Sarana 8.000.000 - 80.000.000 - 2,163

Emil Abeng 15.150.000 1.015.000 50.000.000 - 1,379

Tee Suprapto 4.250.000 425.000 - - 0,011

Prof.DR.BambangSetiaji,M.Sc. 9.000.000 - 90.000.000 - 2,434 DR.Hajriyanto Y.Thohari,M.A. 36.670.000 3.667.000 - - 0,099

Prof.DR. A.Munir Mulkhan 9.900.000 990.000 - - 0,027

Prof. DR. Ir. M. Amin Aziz 7.100.000 710.000 - - 0,019

Firman Noor, S.H. 4.900.000 490.000 - - 0,013

Prof. DR. Dawam Rahardjo 3.500.000 350.000 - - 0,009

Ir. M. Dasron Hamid, M.Sc. 2.900.000 290.000 - - 0,008

Drs. H. Sugeng 2.000.000 200.000 - - 0,005

Kokoh.

"Pasca

spin off

10 Juli

2009, posisi Bank Syariah Bukopin

makin kokoh di pentas industri

perbankan syariah nasional. Sebagai

penggerak roda ekonomi bangsa, Bank

Syariah Bukopin fokus pada

pembiayaan usaha mikro kecil dan

menengah".

Steady.

"After spin off on July 10, 2009, Bank Syariah Bukopin position keep on getting steady in the national Islamic Banking industry. As an activator in economic wheels, Bank Syariah Bukopin focus on micro small and medium enterprise".

profil bank syariah bukopin

bank syariah bukopin profile

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

Perjalanan

Perseroan bermula dari sebuah bank umum, yakni PT Bank Persyarikatan Indonesia yang diakuisisi oleh PT Bank Bukopin Tbk untuk dikembangkan sebagai bank syariah. PT Bank Persyarikatan Indonesia didirikan berdasarkan Akta No. 102 tertanggal 29 Juli 1990 dihadapan Notaris Dr. Widjojo Wilami, S.H., di Samarinda, Kalimantan Timur, dengan nama PT Bank Swansarindo Internasional.

Setelah memperoleh izin operasi syariah dari Bank Indonesia (BI) pada 27 Oktober 2008, pada 9 Desember 2008 Perseroan resmi menjalankan kegiatan operasional dengan prinsip syariah. Selanjutnya, pada 11 Desember 2008, Perseroan diresmikan oleh M. Jusuf Kalla, Wakil Presiden Republik Indonesia (periode 2004-2009).

Selaku pemegang saham mayoritas, PT Bank Bukopin Tbk senantiasa menunjukkan komitmen kuat baik melalui penambahan modal maupun upaya-upaya lain. Salah satunya melalui meng-alih kan Hak dan Kewajiban Unit Usaha Syariah (UUS) PT Bank Bukopin Tbk ke dalam badan usaha Perseroan pada 10 Juli 2009.

Pada industri perbankan syariah nasional, Perseroan mengambil posisi sebagai bank yang fokus pada UMKM. Adapun bidang usaha yang menjadi segmentasi usaha adalah pada bidang pendidikan, kesehatan, migas, telekomunikasi, transportasi, pariwisata, konstruk si, dan perda-gangan umum. Mengingat fungsi intermediasi perbankan tak hanya sebatas pembiayaan semata, maka Perseroan juga memperkuat sisi pendanaan melalui penghimpunan dana dari masyarakat baik dari perorangan maupun perusahaan-perusahaan yang ada di Tanah Air. Sebagai respons positif sekaligus untuk menja-wab tantangan dunia usaha yang terus berkem-bang dewasa ini, pada 2010, Perseroan telah melakukan penambahan divisi baru yaitu Divisi Konsumer yang memfokus kan usaha pada pembiayaan konsumtif untuk sektor perumahan dan kendaraan bermotor roda empat.

The Journey of

the Company began as conventional bank namely PT Bank

Persyarikatan Indonesia which acquisited by PT Bank Bukopin Tbk to develop as Islamic bank. PT Bank Persyarikatan Indonesia founded based on deed No. 102 dated on July 29, in the presence of Notary Dr. Widjojo Wilami, S.H., in Samarinda, East Kalimantan, with the name of PT Bank Swansarindo Internasional.

After obtaining the operating permit as sharia from Central Bank of Indonesia (BI) on October 27, 2008, then on December 9, 2008 the Comp-any officially start operations with Islamic prin-cip les. Subsequently, on December 11, 2008, the Company inaugurated by M. Jusuf Kalla, Vice President of the Republic of Indonesia (2004-2009 period).

As a majority shareholders, PT Bank Bukopin Tbk has always shown a strong commitment both through capital increase and other measures. One of them via the transfer of Rights and Obligations Islamic Business Unit (IBU) PT Bank Bukopin Tbk into the body of the Company on July 10, 2009.

In Islamic banking industry, the Company has took position as bank that focus on micro small medium enterprises (MSMEs) financing. As for the business sectors that become operating segment are on education, health, oil and gas, telecommunications, transportation, tourism, construction, and general trading. Given the banking intermediary function not only limited to financing alone, the Company also

strengthens the funding through fund raising from the public either from individuals or existing companies in the country.

As a positive response to answer business world that keep on growing, in 2010, the Company has added new division which is Consumer Division that focus in consumer financing in housing and cars.

Seiring dengan pengembangan usaha yang dilakukan, Perseroan juga terus berupaya mela-ku kan penguatan di bidang sum ber daya insani (SDI), baik secara kualitas (kompetensi dan inte-gritas) maupun kuantitas. Pada 2010, Perseroan telah melakukan penambahan 199 (seratus sembilan puluh sembilan) karyawan di berbagai bidang. Selain itu, pada periode 2010 Perseroan juga telah berhasil men cetak lulusan-lulusan Officer Develop ment Program (ODP) sebanyak 40 (empat puluh) orang yang lang sung

ditempatkan menjadi officer potensial di Kantor Pusat serta beberapa Kantor Cabang.

Di bidang Teknologi Informasi (TI), Perseroan juga melakukan pengembangan teknologi per-bankan yang diselaraskan dengan pengem bang-an produk-produk e-bbang-anking dbang-an payment gateway yang berbasis syariah.

Saat ini, Perseroan telah memiliki Kantor Pusat yang beralamat di Jl. Salemba Raya No.55, Jakarta Pusat, 7 (tujuh)Kantor Cabang (KC), 4 (empat) Kantor Cabang Pemban tu (KCP), dan 29 Kantor Layanan Syariah (KLS) yang tersebar di seluruh wilayah Tanah Air. Dengan dukungan infrastruktur (teknologi infor masi dan jaringan) yang memadai dan SDI yang profesional serta dapat diandalkan, Perseroan senantiasa optimis-tis mampu memberikan pelayanan yang prima sekaligus menjawab kebutuhan masyarakat yang erat kaitannya dengan jasa-jasa perbankan dan keuangan yang berdasarkan sistem syariah di negeri ini.

Along with the business development, the Company has also give an effort in strengthen their human resources, in quality (competency and integrity) as well as quantity. In 2010, the Company has added 199 (one hundred ninety nine) new employees in all secors. Aside of that, in 2010, the Company has also succeded to graduate 40 (forty) officer in Officer

Development Program (ODP) that immediately assigned to become potential officer in Head Office and also Branch Offices.

In Information and Technology (IT), the Company has also developed banking technology that accelerate in e-banking and payment gateway with Islamic banking base.

Right now, the Company has already have Head Office in Jl. Salemba Raya No. 55, Central Jakarta, 7 (seven) Branches Offices, 4 (four) Sub Branches Office and 29 (twenty nine) office channeling that spread nationwide. With the support of adequate infrastructure (information technology and network) and also professional human resources, the Company always optimist that they could give good services along with the need in society that closely related with banking services and financial based on Islamic system in this country.

BANK SYARIAH BUKOPIN PROFILE

Profil Bank Syariah Bukopin BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

prestasi bank syariah bukopin

Barometer.

”Konsistensi pelayanan

yang akomodatif dan

mampu melebihi

ekspektasi nasabah

menjadikan Bank Syariah

Bukopin sebagai salah

satu barometer di industri

perbankan syariah di Tanah

Air”.

Barometer.

“Consistency of

accommodative service and able to exceed customer expectations makes Bank Syariah Bukopin as one of barometer in the Islamic Banking industry in the country“.

Pada

2010, secara kolektif, kualitas pela-yanan perbankan syariah nasional mengalami pe ning katan yang cukup signifikan. Hasil riset yang dilakukan oleh Marketing Research Indone-sia (MRI) bekerjasama dengan Majalah Infobank menunjukkan pelayanan prima perbankan syariah berhasil meraih nilai yang cukup tinggi. Ini merupakan bukti bahwa dari waktu ke waktu, perbankan syariah memang memiliki spirit dan komitmen yang tinggi dalam hal pengimple men-tasian pelayanan prima kepada nasabah. Penca-paian pelayanan prima secara kolektif tersebut sudah pasti dikontribusi oleh pelayanan prima yang diberikan oleh masing-masing pelaku usaha bank syariah di dalamnya. Salah satunya adalah pelayanan prima yang diimplementasikan oleh Perseroan.

Sepanjang 2010, Perseroan telah berupaya semak simal mungkin memberikan pelayanan terbaiknya terhadap segenap nasabah. Konsis-tensi dalam hal pelayanan yang mampu meng-ako modasi dan melebihi ekspektasi nasabah pada prosesnya turut meningkatkan performa dan kinerja usaha Perseroan selama periode tersebut.

Kesungguhan Perseroan dalam hal penca paian target usaha dan konsistensi dalam hal pelayanan terhadap nasabah merupakan kata kunci Perseroan dalam menerjemahkan proses usahanya selama 2010. Dewasa ini, prestasi gemilang yang berhasil dicapai Perseroan dalam meningkatkan performanya tersebut telah menjadi barometer bagi industri perbankan syariah di Tanah Air.

Konsistensi Perseroan dalam memberikan pela-yanan terbaiknya terha dap nasabah pada akhir-nya berhasil mendapat kan apresiasi yang tinggi dari pelbagai kalangan di industri perbank an nasional. Keseriusan Perseroan dalam mem be-rikan pelayanan prima tersebut juga direspons secara positif dan konstruktif oleh segenap stake holder di industri perbankan syariah. Hal itu

In

2010, collectively, a national Islamic banking service quality has increased significantly. The result of research conducted by Marketing Research Indonesia (MRI) in collaboration with Infobank Magazine shows excellent service Islamic banking managed to achieve a high value.

This exemplify that from time to time, Islamic banking does have a high spirit and

commitment in the implementation of excellent service to customers. Collective achievement of service excellence is certainly contributed by the excellent service provided by each business of Islamic banks. One is the excellent service that implemented by the Company.

Throughout 2010, the Company has attempt as much as possible to provide best service to all customers. Consistency in terms of services that were able to accommodate and exceed customer expectations in the process helped improve performance and business

performance the Company during the period.

The Company seriousness in terms of achieving business targets and consistency in customer service was the key word for the Company in translating their business processes during 2010. Today, the glorious achievement the Company have reached in improving their performance has become a barometer for the Islamic banking industry in the country.

The Company consistency in providing the best service to our customers eventually managed to get a high appreciation from various quarters in the national banking industry. The seriousness of the Company in providing excellent service has also respond positively and constructively by all stakeholder in the Islamic banking industry. This was proven by a number of the

BANK SYARIAH BUKOPIN ACHIEVEMENTS

Prestasi Bank Syariah Bukopin BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

dibuktikan dengan sejumlah penghargaan yang diraih Perseroan. Penghar gaan-penghargaan tersebut merupakan tanda bahwa selain memiliki kinerja yang baik dan terus meningkat,

Perseroan juga telah mengimplementasikan service excellent sesuai dengan ekspektasi nasabahnya. Penghargaan-penghargaan yang berhasil diraih Perseroan selama periode 2010 adalah sebagai berikut :

1. Pada 5 Maret 2010, dalam ajang “International Business and Company Award 2010”, Perseroan mendapatkan penghargaan sebagai The Best Company in Banking Shariah of The Year.

2. Pada 29 Juli 2010, dalam acara “Bisnis Indonesia Award 2010”, Perseroan sukses meraih penghargaan sebagai Bank Syariah Terbaik.

3. Pada 29 Juli 2010, dalam acara “Property and Bank Award 2010”, Perseroan berhasil mendapatkan penghargaan sebagai The Most Service Excellence for Sharia Banking Industry. 4. Pada 3 September 2010, dalam ajang

“Indonesia Moslem Award 2010”, Perseroan berhasil mendapatkan penghargaan sebagai The Best Sharia Banking.

achievement awards of the Company. These awards was a sign that aside of performing well and continues to increase, the Company has also implemented according to the service excellent customer expectations. The following awards which were achieved by the Company during the period 2010 :

1. March 5, 2010, in the event of

“International Business and Company Award 2010”, the Company managed to get the award as The Best Company in Banking Shariah of the Year

2. July 29, 2010, in “Bisnis Indonesia

Award 2010”, the Company success awarded as the Best Islamic Bank.

3. July 29, 2010, in “Property and Bank

Award 2010“, the Company managed to get the award as The Most Service Excellence for Sharia Banking Industry.

4. September 3, 2010, in the event of the

“Indonesian Moslem Award 2010“, the Company managed to get an award as The Best Sharia Banking.

April

8 April 2010. Perseroan mendapat kehormatan sebagai nara sumber untuk program acara di stasiun televisi Al Jazeera.

Januari

12 Januari 2010. Perseroan

menandatangani memorandum of under-standing (MOU) dengan PT Andalan Artha Advisindo (AAA) Sekuritas mengenai Penunjukkan Perseroan sebagai Sub Agen Negara Ritel SR-002 di Kantor Pusat, Jl. Salemba Raya No.55, Jakarta Pusat.

signifi cant event

peristiwa penting

20 Januari 2010. Perseroan

berpartisipasi dalam Seminar Ekonomi Syariah yang diselenggarakan oleh Masyarakat Ekonomi Syariah. Acara dilaksanakan di Bank Bukopin.

20 Februari 2010. Perseroan turut menyemarakkan dan mensponsori peluncuran “TabunganKu”yang diselenggarakan Bank Indonesia (BI) di Jakarta International Expo Kemayoran, Jakarta Pusat.

Maret

6 Maret 2010. Perseroan menerima Award dalam acara “Interna tional Business & Company Award” kategori

The Best Syariah Banking yang diselenggarakan oleh Pusat Profil Indonesia di Hotel Sari Pan Pacific.

25 Maret 2010. Perseroan bersama Pimpinan Pusat (PP) Muham madiyah menyelenggarakan Business Gathering Sinergy dengan Muham madiyah di Kantor PP Muhammadiyah, Jakarta Pusat.

Februari

12 Februari 2010. Perseroan

berpartisipasi dalam “Seminar Nasional Wakaf Uang” yang diselenggarakan oleh Badan Wakaf Indonesia di Hotel Santika, Jl. KS. Tubun, Jakarta Barat.

January 20, 2010. The Company participated in “Sharia Economy Seminar” held by the Sharia Economy Society. The event was held at Bank Bukopin.

February

February 12, 2010. The Company participated in “National Seminar on Waqf Money” held by the Waqf Organization Indonesia at Hotel Santika, Jl. KS. Tubun, West Jakarta.

February 20, 2010. The Company sponsored the launch of TabunganKu held by Bank Indonesia (BI) at Jakarta International Expo Kemayoran, Central Jakarta.

March

March 6, 2010. The Company was honored with The Best Syariah Banking award in “International Business & Company Award” event held by Indonesia Profiles Center at Sari Pan Pacific Hotel, Central Jakarta.

12 Maret 2010. Perseroan menyelenggarakan Rapat Umum Pemegang Saham (RUPS) di Hotel Harris Tebet, Jakarta Selatan.

March 12, 2010. The Company held Annual General Meeting of Shareholders at Harris Tebet Hotel, in South Jakarta.

March 25, 2010. The Company in cooperation with Muhammadiyah Headquarter organized a Business Gathering Synergy with Muhammadiyah at Muhammadiyah head office, Central Jakarta.

April

April 8, 2010. The Company was honored to be a guest speaker for a program at Al Jazeera TV channel.

January

January 12, 2010.The Company has sign memorandum of under-standing (MOU) with PT Andalan Artha Advisindo (AAA) Securities about the appointment of the Company as State Retail Sub Agent SR-002 at of the head office, Jl. Salemba Raya No.55, Central Jakarta

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

Mei

1 Mei 2010. Perseroan berpartisipasi dalam Annual Report Award (ARA) 2010 yang diselenggarakan oleh Bank Indonesia (BI) bekerja sama dengan BAPEPAM LK dan Kementerian BUMN. Dalam acara tersebut Perseroan mendapatkan peringkat ke-5 kategori “Private Keuangan Non Listed”

28 April 2010. Perseroan menandatangani memorandum of understanding (MOU) dengan PT Amanah Finance mengenai kerja sama tentang pembiayaan mobil secara channeling, bertempat di Kantor Pusat Perseroan, Jl. Salemba Raya No.55, Jakarta Pusat. April 20–23, 2010. The Company participated in Food and Beverage Exhibition held by the Ministry of Industry at the office of Ministry of Industry, Jl. Gatot Subroto, South Jakarta.

26April 2010. Perseroan berpartisipasi dalam acara talkshow “Implikasi Fatwa Haram Bunga Bank Terhadap Perkembangan Bank Syariah”. Acara yang diselenggarakan di Delta FM merupakan kerja sama antara Delta FM dengan Fakultas Ekonomi Universitas Indonesia (FEUI).

April 26, 2010. The Company participated in “Implications of Haram Fatwa on Bank Interests to the Development of Sharia Bank” talk show. The event was organized by Delta FM in cooperation with University of Indonesia Economic Faculty.

28 – 30 April 2010. Perseroan turut menyemarakkan dan berpartisipasi dalam “The Asia Pacific Conference and Exhibi-tion (Apconex) 2010” yang diseleng-garakan oleh Perhimpunan Bank-Bank Umum Nasional (Perbanas) di Jakarta Convention Center (JCC), Jakarta Pusat.

April 28–30, 2010. The Company participated in The Asia Pacific Conference and Exhibition (Apconex) 2010” held by Federation of Private Domestic Banks (Perbanas) at Jakarta Convention Center (JCC), Central Jakarta.

April 28, 2010. The Company sign memorandum of understanding (MOU) with PT Amanah Financeabout Car financing by channeling system , located at the Company head office, Jl. Salemba Raya No.55, Central Jakarta.

1 – 9 Mei 2010. Perseroan berpartisipasi dalam Pameran Perumahan Real Estate Indonesia (REI) Expo 2010 bekerjasama dengan Direktorat Perbank an Syariah Bank Indonesia dan bank syariah lainnya (iB Paviliun) di Jakarta Convention Center (JCC), Jakarta Pusat.

May 1–9, 2010. The Company

participated in the Real Estate Indonesia (REI) Expo 2010 organized by Sharia Banking Indonesia Directorate of Islamic Banking in Jakarta Convention Center (JCC), Central Jakarta.

May

May 1, 2010. The Company participated in 2010 Annual Report Award (ARA) held by Bank Indonesia (BI) in cooperation with Capital Market Supervisory Agency and Ministry of State-owned enterprises. In the event, the Company ranked 5 in the Non Listed Financial Private category.

20 – 23 April 2010. Perseroan turut menyemarakandan berpartisipasi dalam Pameran Makanan dan Minuman yang diselenggarakan Kementerian trian di Kantor Kementerian Perindus-trian, Jl. Gatot Subroto, Jakarta Selatan.

3 Mei 2010. Perseroan ber sama Pimpinan Wilayah Muhammadiyah Jawa Timur menyelenggarakan Business Gathering dengan Amal Usaha Muham-madiyah dengan tema “Memaksimalkan Produk Perbankan Syariah di Lingkungan Amal Usaha Muhammadiyah” di Hotel Mercure Surabaya, Jawa Timur.

May 3, 2010. The Company, the regional head and Muhammadiyah Business Charity organized a Business Gathering themed “Maximizing Islamic Banking Products in a Muhammadiyah Business Charity Environment” at Mercure Hotel Surabaya, East Java.

SIGNIFICANT EVENT

Peristiwa Penting

22 Mei 2010. Perseroan men jadi pembicara dalam Seminar Menyam but Muktamar Muhammadiyah yang diselenggarakan oleh Sekolah Tinggi Ilmu Ekonomi (STIE) Ahmad Dahlan Jakarta di kampus sekolah tinggi tersebut.

Juni

12 Juni 2010. Perseroan ber sama Pimpinan Wilayah Muhammadiyah (PWM) Bandung menyelenggarakan Business Gathering dengan Amal Usaha Muhammadiyah Bandung di Hotel Takashimaya, Bandung, Jawa Barat.

23 Juli – 1 Agustus 2010. Perseroan berpartisipasi dalam “Interna tional Indonesia Motor Show (IIMS) 2010” bekerja sama dengan iB Perbankan Syariah yang diselenggarakan di Jakarta International Expo (JIExpo), Kemayoran, Jakarta Pusat. Dalam acara ini pun BSB ikut mempromosikan produk pembiayaan Mobil melalui Talkshow di Radio Trijaya FM dan Motion FM Radio bersama Direktorat Perbankan Syariah Bank Indonesia.

May 22, 2010. The Company was a speaker at “Muktamar Preparation Seminar” organized by Ahmad Dahlan School of Economics (STIE).

May 28, 2010. The Company became a speaker a high tea event themed “Sharia Banking Hajj Fund Management Dialogue.” The event was organized by Seputar Indonesia daily at Sindo Building, Central Jakarta.

June

June 12, 2010. The Company in cooperation with Regional Chairman of Muhammadiyah Bandung and Muham - madiyah Business Charity organized a business gathering at Takashimaya Hotel, Bandung, West Java.

22 Juni 2010. Dalam rangka memeriah-kan HUT DKI Jakarta, Front liner Perseroan Kantor Pusat mengena kan pakaian adat Betawi dalam melayani nasabah.

June 22, 2010. In commemoration of DKI Jakarta’s anniversary, the Company head office front liners wore a traditional Betawi outfit in servicing the customers at work on that day.

Juli

1 – 9 Juli 2010. Perseroan turut memeriahkan acara Satu Abad Muktamar Muhammadiyah yang diselenggarakan oleh Pimpinan Wilayah Muhammadiyah (PWM) Yogyakarta di Universitas Muhammadiyah Yogyakarta (UMY), di Daerah Istimewa Yogyakarta.

July

July 1–9, 2010. The Company participated in a Decade of Muhammadiyah Muktamar held by Regional Chairman of Muhammadiyah Yogyakarta at Muhammadiyah Yogyakarta University, Yogyakarta.

July 4, 2010. The Company participated in the Jakarta Fair cooperate with Bank Indonesia at Jakarta International Expo (JIExpo) Kemayoran, Central Jakarta.

4 Juli 2010. Perseroan berpartisipasi dalam “Pekan Raya Jakarta (PRJ)” yang bekerja sama dengan Bank Indonesia di Jakarta International Expo (JIExpo) Kemayoran, Jakarta Pusat.

July 23–August 1, 2010. The Company participated in the 2010 Indonesia International Motor Show (IIMS) in cooperation with Islamic Banking held at Jakarta International Expo (JIExpo), Kemayoran, Central Jakarta. In this event BSB has also promoted Car Financing Product through Talk show in Trijaya FM and Motion FM along with Central Bank Directorate of Islamic Banking

19 – 23 Mei 2010. Perseroan turut menyemarakkan sidang menyambut Muktamar Muhammadiyah yang diseleng garakan oleh Pemuda Muhammadiyah di Asrama Haji Pondok Gede, Bekasi, Jawa Barat.

May 19–23, 2010. The Company participated in the Muktamar preparation assembly held by the Muhammadiyah Youth at Pondok Gede Hajj Dormitory, Bekasi, West Java.

28 Mei 2010. Perseroan men jadi pembicara dalam acara High Tea de ngan tema “Dialog Manajemen dan Penge lolaan Dana Haji di Bank Syariah”. Acara diselenggarakan oleh Harian Seputar Indonesia di Gedung Sindo, Jakarta Pusat.

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

29 Juli 2010. Perseroan menerima penghargaan dalam acara Property and Bank Award kategori The Most Service Excellent for Sharia Banking Industry di Hotel Bidakara Jakarta Selatan

August

August 18, 2010. The Company organized a socialization of iB Hajj Savings at Caza Suki Restaurant, Jakarta, and at the same time a break fasting event with the media.

Agustus

18 Agustus 2010. Perseroan

menyelenggarakan Sosialisasi “Tabungan iB Haji” di Caza Suki Restaurant, Jakarta, bersamaan dengan acara Buka Puasa bersama Media.

September

17 September 2010. Perseroan menyelenggarakan Halal Bihalal dalam rangka Hari Raya Idul Fitri 1431H di Lantai 4 Kantor Pusat, acara tersebut merupakan acara yang rutin dilaksanakan setiap tahun.

September

September 17, 2010.The Company held a halalbihalal to celebrate the Eid Al-Fitr 1431 H at the 4th _{floor of the head office.} The event is regularly held every year.

25 Agustus 2010. Perseroan menyelenggarakan buka puasa bagi seluruh karyawan di Kantor Pusat, Jl. Salemba Raya No. 55, Jakarta Pusat.

29 Juli 2010. Perseroan menerima penghargaan sebagai The Best Syariah Banking dalam acara Bisnis Indonesia Award yang dilaksanakan di Hotel Ritz Carlton Jakarta.

July 29, 2010. The Company received the honor as The Best Sharia Banking in “Bisnis Indonesia Award” event held at Ritz Carlton Hotel, Jakarta.

July 29, 2010. The Company received an honor for The Most Service Excellent for Sharia Banking Industry in the “Property and Bank Award” event held at Bidakara Hotel, South Jakarta.

August 25, 2010. The Company held a break fasting for all employees at the head office, at Jl. Salemba Raya No.55, Central Jakarta.

Desember

9 Desember 2010. PT Perseroan menyelenggarakan syukuran dalam rangka ulang tahun (Milad) ke-2.

December

December 9, 2010. In conjunction of its 2nd anniversary, the Company held the gathering.

26 Juli 2010. Perseroan

menyelenggarakan Grand Launching relokasi Kantor Cabang Surabaya Dipone goro ke Sidoarjo dengan alamat di Ruko Gateway A5-6 Sidoarjo Jawa Timur.

July 26, 2010. The Company held a grand launching of Surabaya branch office relocation to Sidoarjo. The address is Ruko Gateway A5-6 Sidoarjo, East Java.

pengurus bank syariah bukopin

the management of bank syariah bukopin

Berdasarkan

hasil Keputusan

Rapat Umum

Pemegang Saham

(RUPS) Perseroan,

tanggal 12 Maret

2010, yang

dituangkan dalam

Akta Nomor 11

tanggal 25 Maret

2010 dan dibuat oleh

Adrian Djuaini, S.H.,

notaris, di Jakarta,

susunan Dewan

Komisaris, Direksi,

dan Dewan

Pengawas Syariah PT

Bank Syariah

Bukopin adalah

sebagai berikut:

Based on the Company's Annual General Meeting of Shareholderss (AGMS) dated March 12, 2010, deed No.11 dated March 25, 2010 made by Adrian Djuaini, S.H., a notary in Jakarta, the structure of Board of Commisioners, Board of Directors and Board of Sharia Supervisory of PT Bank Syariah Bukopin are as follow:

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

THE MANAGEMENT OF BANK SYARIAH BUKOPIN

Pengurus Bank Syariah Bukopin

Dewan Komisaris

Board of Commissioners

Komisaris Utama

Sudarmin Sjamsoe, S.E.

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

Komisaris Independen

DR. Hajriyanto Y. Thohari, M.A.

Menjabat sebagai Komisaris Independen PT Bank Syariah Bukopin sejak September 2008. Sebelum nya ia menjabat sebagai Komisaris Bank Persyarikatan Indonesia (BPI) sejak 2001. Di bidang akademik, pria ini adalah peraih gelar doktor ilmu

antropologi dari Universitas Indonesia (UI), Depok.

Komisaris Independen

Prof. DR. Bambang Setiaji, M.Si.

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

President Commissioner

Sudarmin Sjamsoe, S.E.

Selected as President

Commisioner of PT Bank Syariah Bukopin since March 12, 2010. He has been in the banking business since 1986. Sudarmin Sjamsoe is an alumni and a graduate of University of Indonesia, Depok major in Economy.

Independent Commissioner

DR. Hajriyanto Y. Thohari, M.A.

He assumed the position of as the Independent Commissioner of PT Bank Syariah Bukopin since September 2008. Prior to that, since 2001, He was the commissioner of Bank Persyari-katan Indonesia (BPI). In academic area, he completed his doctoral degree from the Department of Anthropology from the University of Indonesia, Depok.

Independent Commissioner

Prof. DR. Bambang Setiaji, M.Si.

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

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

Dewan Direksi

Direktur Utama

Riyanto

Menjabat sebagai Direktur Utama PT Bank Syariah Bukopin sejak September 2008. Kariernya di industri perbankan dimulai sejak 1988, yaitu di PT Bank Bukopin. Ia merupakan sarjana akuntansi lulusan Universitas Padjadjaran (Unpad), Bandung, Jawa Barat.

Direktur Bisnis

Harry Harmono Busiri

Terpilih sebagai Direktur Bisnis PT Bank Syariah Bukopin pada 12 Maret 2010. Sebelumnya ia menjabat sebagai Komisaris Utama Bank Syariah Bukopin sejak Desember 2008. Kariernya di bidang perbankan dimulai sejak 1986, yaitu di PT Bank Bukopin. Dia merupakan alumnus

Universitas Padjadjaran (Unpad), Bandung, dengan titel sarjana peternakan.

Board of Directors

President Director

Riyanto

He has been the President Director for PT Bank Syariah Bukopin since September 2008. His career as a banker began when he first worked with PT Bank Bukopin in 1988. He received his bachelor in

accountancy from the faculty of Economics from the Padjadjaran University in Bandung, West Java.

Business Director

Harry Harmono Busiri He has been appointed as Business Director of PT Bank Syariah Bukopin since March 12, 2010. He previously assumed the post as President Commissioner of Bank Syariah Bukopin since December 2008. His career in banking industry started since 1986 when he first worked in PT Bank Bukopin. He is an alumni from the Padjadjaran University, Bandung and a graduate of animal husbandary.

THE MANAGEMENT OF BANK SYARIAH BUKOPIN

Pengurus Bank Syariah Bukopin

Direktur Operasi

dan Pelayanan

Ruddy Susatyo

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

Direktur Kepatuhan

dan Manajemen Risiko

Eriandi

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

Operation and Services

Director

Ruddy Susatyo

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

Compliance and Risk

Mangement Director

Eriandi

He began assuming the post as Compliance and Risk Management Director of PT Bank Syariah Bukopin since March 12, 2010. His career in the banking industry started in 1991 when he first worked for PT Bank Bukopin. In academic area, Eriandi received his bachelor degree from Industrial Engineering from Bandung Institute of Technology (ITB).

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

Sharia Supervisory Board

Dewan Pengawas Syariah

President Sharia Supervisory

Board

Prof. DR. H.M. Din Syamsudin, M.A. Chosen as the President Sharia Supervisory Board of PT Bank Syariah Bukopin, he has assumed this post since December 2008. He got his doctorate degree from Interindepartment Program from University of California, Los Angeles, USA. Din is also well known as the Chairman of Muhammadiyah and Vice Chairman of Indonesian Ulema Council.

Member

DR. H. Anwar Abbas, M.M., M.Ag. He was chosen to assume the post as a member of the Sharia Supervisory Board at PT Bank Syariah Bukopin since De-cember 2008. In academic field, Anwar Abbas received his doctoral degree from the State Islamic University (UIN), Jakarta. Currently, Anwar Abbas remains active as the Chairman of Economic Empowerment of the Indonesian Ulema Council (MUI) and Vice Treasurer at the Muhammadiyah headquarter.

Member

H. Ikhwan Abidin Basri, M.A. Selected as the member of Sharia Supervisory Board at PT Bank Syariah Bukopin since December 2008. In academic field, Ikhwan Abidin is a master graduate on International Institute of Islamic Economics, International Islamic University (IIU), Islamabad, Pakistan. He is active as a member of Indonesian Ulema Council’s National Sharia Board work group (DSN –MUI).

Ketua Dewan Pengawas Syariah

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

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

Anggota

DR. H. Anwar Abbas, M.M., M.Ag.

Terpilih dan menjabat sebagai Anggota Dewan Pengawas Syariah PT Bank Syariah Bukopin sejak Desember 2008. Di bidang akademik, Anwar Abbas merupakan peraih gelar doktor dari Universitas Islam Negeri (UIN) Jakarta. Saat ini Anwar Abbas menjabat sebagai Wakil Bendahara Pimpinan Pusat (PP) Muhammadiyah dan Ketua Bidang Pemberdayaan Perekonomian Majelis Ulama Indonesia (MUI).

Anggota

H. Ikhwan Abidin Basri, M.A.

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

struktur organisasi

bank syariah bukopin

organization structure

of bank syariah bukopin

*) Annual General Meeting of Shareholderss

ANNUAL REPORT 2010

sambutan komisaris utama

Komitmen.

”Bank Syariah Bukopin sudah

memenuhi dan menjalankan

seluruh ketentuan perbankan

seperti yang telah ditetapkan

oleh regulator. Sepanjang

2010, segenap Direksi juga

telah menunaikan tugas,

kewajiban, dan komitmennya

dengan baik sesuai dengan

ekspektasi pemegang saham,

bank sentral, maupun pihak

ketiga”.

Commitment

. Bank Syariah Bukopin has already fulfilled and run all banking conformity with applicable regulations. Throughout 2010, board of directors has also fulfilled their duties, obligation and commitment in a good way based on shareholders, central bank and third party expectations.

message from

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

24

MESSAGE FROM PRESIDENT COMMISSIONER

Sambutan Komisaris Utama

Assalamu’alaikum warahmatullahi wabarakatuh

Puji

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

Kondisi ekonomi global pada 2010 secara umum mengalami ekspansi, setelah sebelumnya berturut-turut mengalami kontraksi akibat krisis keuangan global pada 2008 dan 2009. Tahun 2010 merupakan tahun pemulihan ekonomi di seluruh kawasan dari krisis yang merebak sejak semester kedua tahun 2008. Pemulihan tersebut salah satunya didorong oleh kinerja ekonomi negara-negara emerging market di kawasan Asia. Sebagai salah satu negara emerging market di kawasan Asia, kinerja ekonomi Indonesia ter-bilang sangat baik. Meskipun laju pertumbuhan inflasi di atas target yang ditetapkan pada 2010, namun angkanya masih tetap terkendali pada kisaran satu digit yaitu sebesar 7%. Pertumbuhan ekonomi nasional yang sebesar 6%, dan nilai tukar rupiah terhadap dolar Amerika Serikat (AS) terkendali pada rentang Rp9.010 per US$, merupakan bukti bahwa kinerja ekonomi nasional pada 2010 jauh lebih baik dari dua tahun sebelumnya.

Kondisi perekonomian nasional, merupakan momentum penting bagi industri perbankan syariah untuk melakukan ekspansi usaha. Baik dalam penghimpunan dana pihak ketiga (DPK) maupun penyaluran pembiayaan. Berdasarkan data Bank Indonesia (BI), volume usaha, pembia-yaan yang diberikan (PYD), dan DPK perbankan syariah secara year on year (yoy) akhir 2010, masing-masing mengalami pertumbuhan sebesar 47,55%, 45,42% dan 45,46%.

Efektifitas intermediasi bank syariah juga masih tetap terjaga, dengan financing to deposit ratio (FDR) pada akhir 2010 yang mencapai 89,67%.

Assalamu’alaikum warahmatullahi wabarakatuh

Praised

and blessed to Allah SWT, the

owner of the universe, because of Allah’s bless, we could still feel the joy and pleasure of life.

The honorable shareholders,

Global economic conditions in 2010 generally experienced expansion, after the previous consecutive contraction due to the global financial crisis in 2008 and 2009. The year 2010 was a year of economic recovery across the region from the crisis that broke out since the second half of 2008. Recovery is among others was driven by the economic performance of emerging market countries in Asia.

As one of the emerging market countries in Asia, Indonesia’s economic performance is fairly good. Although the growth rate of inflation above the target set in 2010, but their numbers still remain subdued at single digit range that is equal to 7%. National economic growth at 6%, and the rupiah against the US dollar (US) controlled in the range of Rp9,010 per US$, this is to prove that national economic performance in 2010 is much better than the previous two years.

Economic conditions nationwide, is an important moment for the Islamic banking industry to expand the business. This is

including both third-party funding (DPK) and the distribution of financing. Based on data from Bank Indonesia (BI), the volume of business, financing facilities (PYD), and Islamic banking deposits in a year on year (yoy) by the end of 2010, respectively grew by 47.55%, 45.42%, and 45.46%.

Effectiveness of Islamic banking intermediation will still be maintained, with financing to deposit ratio (FDR) in the end of 2010 which reached

Dari sisi jangkauan pelayanan, perbank an syariah dalam periode laporan secara geo grafis telah menjangkau masyarakat di lebih dari 103 kabupaten/kota dan 33 provinsi di Indonesia. Di usia yang terbilang sangat muda, prestasi yang dicapai Perseroan relatif sangat baik. Total aset Perseroan pada 2010 meningkat sebesar 11,09% atau menjadi sebesar Rp2,194 triliun, dari tahun sebelumnya yang sebesar Rp1,975 triliun. Pencapaian tersebut mencerminkan market share Perseroan sebesar 2,25% terhadap total volume usaha perbankan syariah nasional yang mencapai Rp97,519 triliun.

Kami menilai, komitmen penuh yang diberikan oleh PT Bank Bukopin Tbk sebagai pemegang saham mayoritas diwujudkan dengan menambah setoran modal untuk menjadikan Perseroan sebagai bank syariah dengan pelayanan terbaik. Dewan Komisaris menilai, Perseroan sudah memenuhi dan menjalankan seluruh ketentuan perbankan seperti yang digariskan BI. Selain itu, kami me lihat manajemen selama ini sudah menjalankan komitmen, baik kepada BI, stakeholder, maupun pihak ketiga.

Ke depan, Perseroan akan tetap fokus pada pengem bangan sumber daya insani (SDI) dan pelayanan. Saat ini, Perseroan telah merekrut SDI berkualitas melalui program officer development program (ODP). Perseroan telah mencetak lulusan ODP yang langsung menjadi officer potensial sebanyak 40 orang yang telah tersebar di beberapa cabang BSB. Dalam waktu dekat Insya Allah akan diselenggarakan kelas ODP II yang saat ini sudah dalam tahap final proses rekrutmen.

Pengembangan berikut bagi lulusan ODP adalah proses percepatan pengembangan atau Talent Development bagi karyawan yang sangat poten-sial, setelah dilakukan Talent Mapping. Diharap-kan, ke depan, seiring dengan perkembangan bisnis Perseroan, karyawan potensial tersebut dapat segera mengisi posisi Middle Management. Dengan program ini, diharapkan, SDI Perseroan

89,67%. From the range of services, Islamic banking by geographic report period has been reach people in more than 103 districts and 33 provinces in Indonesia.

At a fairly young age, the Company has a very good achievement. Total assets of the Company in 2010 increased 11.09% or Rp2.194 trillion, from the previous year Rp1.975 trillion. This achievement reflects the market share of the Company at 2.25% from total volume of national Islamic banking business which reach Rp97.519 trillion.

We evaluate, full commitment given by PT Bank Bukopin Tbk as the majority shareholders was realized by increasing the paid up capital to make the Company as an Islamic bank with the best service. Board of Commissioners

considered, the Company already meet and carries out all banking regulations as outlined by BI. In addition, we observe the management so far has been running the commitment, either to the BI, stakeholder, and third parties.

In the future, the Company should continue to focus on human resource development (SDI) and services. Today, the Company had been recruited human resources through the quality officer development program (ODP). the Com-pa ny has scored ODP graduates who immedia-tely become a potential officer all of 40 people who have been planned in several branches of BSB. In the near future, the Company planned to held ODP class II who are now in the final stage of the recruitment process.

Next development for ODP graduate is accelerating the process of development or Talent Development for a potential employee, after the process of Talent Mapping. Hopefully, in the future, along with the Company business development, the potential employees could immediately fill the position of Middle

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

26

MESSAGE FROM PRESIDENT COMMISSIONER

Sambutan Komisaris Utama

dapat lebih baik lagi dan kontribusinya terhadap kemajuan Perseroan di masa mendatang akan semakin besar. Dengan demikian, kepercayaan masyarakat pun semakin meningkat.

Kami melihat, pada 2011 masih banyak peluang pengembangan produk dan bisnis Perseroan. Ada delapan sektor usaha yang menjadi target market Perseroan ke depan, yaitu telekomunikasi, pendidikan, kesehatan, migas, transportasi, pariwisata, konstruksi, dan perdagangan umum.

Dari sisi produk, kami berencana mengembang-kan produk syariah baru, apalagi sebenarnya produk syariah dikenal sangat variatif. Dewan Komisaris juga melaporkan, bahwa selama 2010, Perseroan telah mengimplementasikan good corporate governance (GCG) dengan lebih baik. Saat ini, kelengkapan kelembagaan komite sebagaimana yang dipersyaratkan oleh ketentuan GCG, telah menjalankan fungsinya masing masing. Tidak hanya itu, Dewan Komisaris juga telah melaku kan pelaporan mengenai kondisi keuangan untuk memenuhi prinsip transparansi. Dalam kesempatan ini, Dewan Komisaris meng-ucapkan terima kasih kepada manajemen Perseroan yang telah bekerja keras selama satu

Company's human resources could be better and its contribution to the progress of the Company in the future will be even greater. Thus, increase more public confidence. We observe, in 2011 there are still many oppor-tunities for product development and business the Company. There are eight business sectors that become the Company target market in the future, such as telecommunications, education, health, oil and gas, transportation, tourism, construction, and general trading.

As from the product side, we plan to develop new Islamic banking products, considering that Islamic products known to be very varied. The Board also reported that during 2010, the Company has implemented better good corporate governance (GCG). Currently, the completeness of the institutional committee as required by the provisions of GCG has been carrying out its functions, respectively. Furthermore, the Board of Commissioners has also made reporting on the financial condition to fulfill the principle of transparency.

On this occasion, the Board of Commissioners would like to thank the management of the Company who have worked hard throughout the

tahun se hingga Perseroan bisa tumbuh seperti sekarang. Kami juga mengharapkan, prestasi yang baik ini bisa dipertahankan pada masa-masa mendatang. Selain itu, marilah kita selalu menjaga kekom pakan dan team work yang baik sehingga Perseroan semakin solid di masa depan. Semoga, apa yang kita kerjakan mendapat ridho dari Allah SWT dan membawa kebaikan bagi kita semua. Amin.

Wa billahit-taufiq wal hidayah Wassalamu’alaikum warahmatullahi wabarakatuh.

Jakarta, Maret 2011

Jakarta, March 2011

Sudarmin Sjamsoe, S.E.

Komisaris Utama PT Bank Syariah Bukopin

President Commissioners of PT Bank Syariah Bukopin

year so that the Company could grow as it is now. We also hope that this good performance could be maintained in the future. Also, let us always maintain cohesiveness and good team work so the Company could be more solid in the future. Hopefully, what we do get a blessing from Allah SWT and bring goodness to us all. Amen.

Wa billahit-taufiq wal hidayah Wassalamu’alaikum warahmatullahi wabarakatuh.

message from

president director

sambutan direktur utama

Potensial.

”Posisi aset BSB per Desember

2010, secara tahunan mengalami

kenaikan sebesar 11,09% menjadi

Rp2,194 triliun. Pencapaian

tersebut, merupakan upaya BSB

dalam memberikan pelayanan

terbaik kepada nasabah melalui

sejumlah program dan promosi

tidak langsung. Pencapaian

tersebut pada akhirnya membuat

BSB beberapa kali mendapat

penghargaan sebagai bank

syariah dengan layanan terbaik”.

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

28

Potential.

”BSB Assets position as per December 2010 has facing an increase in yearly position from 11.09% to become Rp2.194 trillion. This achievement has become BSB effort in giving the best services to their customer through some program and indirect promotion. At the end this achievement has made BSB at several times get an award as the best service in Islamic Banking.”

Assalamu’alaikum wa rahmatullahi wabarakatuh,

Bila

kita mencermati kinerja yang dicapai Perseroan selama 2010, sudah selayaknya kita bersyukur kehadirat Allah SWT atas segala karunia dan ridho-Nya. Seiring dengan

membaiknya kondisi perekonomian nasional dan global, Perseroan juga berhasil mencapai kinerja yang sangat baik.

Makro Ekonomi

Secara makro, sistem keuangan global dan regional di 2010 sudah semakin membaik. Meskipun menghadapi sejumlah tantangan, tetapi perekonomian nasional tetap tumbuh dengan baik. Indonesia merupakan sedikit diantara negara-negara di Asia yang berhasil mencatat pertumbuhan positif. Setelah mengalami pertumbuhan sebesar 4,5% pada 2009, pada 2010 perekonomian Indonesia berhasil tumbuh positif sebesar 6%.

Industri perbankan nasional pun demikian. Meskipun cukup banyak tantangan yang dihadapi seperti kebijakan kenaikan giro wajib minimum (GWM) sebesar 3% di akhir 2010, namun perbankan tetap mampu melewati tantangan tersebut dengan baik. Ini artinya, perekonomian dan perbankan Indonesia memiliki daya tahan yang cukup baik.

Jika dibandingkan dengan 2008 dan 2009, kinerja perbankan pada 2010 masih jauh lebih baik. Kredit perbankan pada akhir 2010 berhasil tumbuh sebesar 22,80%, jauh di atas pertum-buhan pada periode yang sama 2009 yang sebesar 9,96%. Dalam periode yang sama, dana pihak ketiga (DPK) juga mengalami pertumbuhan yang lebih tinggi, yaitu sebesar 18,54%. Di waktu bersamaan, perbankan juga berhasil men cetak laba sebesar Rp57,309 triliun atau tumbuh sebesar 26,76% dari tahun sebelumnya.

Assalamuíalaikum wa rahmatullahi wabarakatuh,

When

we look at the performance achieved by the Company during 2010, righteously we are grateful to Allah SWT for all His gifts and blessings. Along with the improving national and global economic conditions, the Company also managed to achieve excellent performance.

Macro Economy

At the macro level, global and regional financial system in 2010 had been improved. Despite facing some challenges, the national economy is still growing well. Indonesia is among the few countries in Asia which has recorded positive growth. After experiencing a growth of 4.5% in 2009, in 2010 the Indonesian economy had positive growth of 6%.

This also happen in national banking industry. Despite considerable policy challenges such as increasing minimum reserve requirements (MRR) of 3% at the end of 2010, but banking industry still able to get through this challenge well. This means that Indonesia’s economy and banking has good enough durability.

Compared with 2008 and 2009, banking performance in 2010 was much better. Bank credit at the end of 2010 managed to grow by 22.80%, well above growth in the same period in 2009, which was 9.96%. In the same period, third-party funds (TPF) are also experiencing higher growth, amounting to 18.54%. At the same time, banking was also able to gain profit of Rp57.309 trillion, or grew by 26.76% from previous year

Prospek dan ketahanan ekonomi Indonesia yang semakin membaik, mulai menarik minat investor asing. Meskipun masih terbatas pada bidang-bidang usaha resource-based seperti pertam-bangan. Hal tersebut terlihat dari aliran foreign direct investment (FDI) yang sebesar US$12,6 miliar, hampir tiga kali lipat dari tahun 2009 yang hanya US$4,9 miliar.

Menerjemahkan Momentum

Seiring membaiknya kondisi ekonomi nasional, pelaku di industri perbankan syariah juga sema kin bertambah. Jika pada 2009 hanya ada 6 bank umum syariah (BUS), maka pada akhir 2010 berdasarkan data Bank Indonesia (BI) jumlah BUS bertambah menjadi 11 bank, dengan unit usaha syariah (UUS) sebanyak 23 unit, dan bank per-kreditan rakyat syariah (BPRS) sebanyak 150. Selain volume usaha yang terus tumbuh secara signifikan, yakni sebesar 47,55% pada akhir 2010, aktivitas funding dan financing perbankan syariah pada 2010 juga jauh lebih baik dibanding tahun 2009. Pengelolaan risiko di industri perbankan syariah pun semakin baik. Hal tersebut tercermin pada non performing financing (NPF) perbankan syariah yang menurun menjadi 3,02% di akhir 2010 dari 4,01% pada 2009.

Membaiknya kinerja industri perbankan syariah tersebut, tidak lepas dari kepercayaan masyara kat terhadap sistem perbankan syariah yang semakin meningkat kualitasnya. Dari waktu ke waktu, kinerja industri perbankan syariah terus menunjukkan perbaikan yang cukup signifikan. Ada sejumlah faktor yang membuat pertum buhan perbankan syariah pada 2010 cukup tinggi. Pertama, program edukasi dari perbankan syariah sudah membawa hasil, sehingga semakin banyak masyarakat Indonesia yang mengenal produk-produk perbankan syariah. Kedua, jumlah bank umum syariah baru semakin bertambah dan cukup banyak investor yang berminat

meningkatkan investasinya di industri perbankan syariah. Ketiga, permintaan dan minat masyarakat terhadap jasa keuangan perbankan syariah semakin besar. Tren yang berkembang sekarang, cukup banyak anggota masyarakat dan korporasi yang mendiversifikasikan pengelolaan dana mereka secara syariah. Persepsi secure dan

BANK SYARIAH BUKOPIN ANNUAL REPORT 2010

30

MESSAGE FROM PRESIDENT DIRECTOR

Sambutan Direktur Utama

Prospects and resilience of the Indonesian economy is getting better and it start to attract foreign investors. Although still limited in business fields such as mining and resource based approaches. It was seen from the flow of foreign direct investment (FDI) of US$12.6 billion, nearly triple the year 2009 which was only US$4.9 billion.

Translating Momentum

Along with national economy improvement, practitioners in Islamic banking industry has also grown. If in 2009 only 6 Islamic banks, then at the end of 2010 based on data from Central Bank number of Islamic bank increased to 11, with Islamic business units are 23, and Islamic rural banks are 150.

Besides the volume of business that continues to grow significantly, which is equal to 47.55% by the end of 2010, funding and financing activities of Islamic banking in 2010 was also much better than in 2009. Risk management in Islamic banking industry even better. This was reflected in the non-performing financing (NPF) in Islamic banking which decreased to 3.02% at the end of 2010 from 4.01% in 2009.

The improved performance of the Islamic banking industry could not be separated from the public confidence to the more qualified Islamic banking system. From time to time, the performance of Islamic banking industry continued to show significant improvement. There are a number of factors that make the growth of Islamic banking in 2010 is quite high. First, educational programs of Islamic banking has brought results, thus more people in Indonesia know Islamic banking products. Second, the number of new Islamic banks were grown and quite a lot of investors who were interested in increasing its investment in Islamic banking industry. Third, demand and public interest in Islamic banking for financial services increases. Following the new trend, There were numbers of community members and

corporations have diversify their fund in Islamic management. Secure and trustworthy

32. Pendapatan (beban) non operasional

2010 2009

Terdiri dari :

Pendapatan non operasional

Pendapatan sewa 36.159.448 3.300.000

Keuntungan penjualan aset tetap dan agunan

yang diambil alih 838.369.818 213.093.309

Koreksi PPAP - 6.973.457

Lainnya 1.614.811.097 -

Jumlah pendapatan non operasional 2.489.340.363 223.366.766 Beban non operasional

Sumbangan (855.525.811) (315.918.221)

Kerugian penjualan aset tetap dan agunan

yang diambil alih (98.809.856) -

Denda / penalty (63.076.465) (32.559.466)

Lainnya (906.309.178) (875.278.914)

Jumlah beban non operasional (1.923.721.309) (1.223.756.601) Jumlah pendapatan (beban) non operasional-bersih 565.619.054 (1.000.389.835)

32. Non operating income (Expenses)

Consists of: Non operating income Rent income Profit from sales of acquired premises and liabilities Correction of PPAP Others Total non operating income Non operating expenses Charity Losses from sales of acquired premises

and liabilities Fine / Penalty Others Total non operating expenses Total non operating income (expenses) - net

33. Kewajiban penyediaan modal minimum

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

Bank per 31 Desember 2010 dan 2009 adalah sebagai berikut (dalam jutaan rupiah ) :

33. Obligations on providing minimum capital a. Based on Director of Bank Indonesia letter of decision

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

adequacy ratio as of December 31, 2010 and 2009 is as follow ( in million rupiah):

2010 2009

Modal Inti (Tier I)

Modal disetor 350.370 350.370

Cadangan umum dan khusus 1.213 1.213

(Rugi) tahun-tahun sebelumnya (243.319) (248.835)

Laba tahun berjalan 10.234 416

Jumlah 118.498 103.164

Modal Pelengkap (Tier II)

Penyisihan atas kemungkinan kerugian pada

aktiva produktif 16.913 14.791

Hutang subordinasi 50.000 50.000

Jumlah 66.913 64.791

Jumlah Modal (Tier I dan Tier II) 185.411 167.955

Jumlah ATMR 1.611.475 1.285.887

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

Total Complimentary Capital (Tier II) Provision of possible losses on earning assets Subordinated loan Total Total capital (Tier I and Tier II) Total of risk weighted asset

34. Manajemen Risiko

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

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

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

34. Risk Management

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

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

Credit Risk

With the publication of Bank Indonesia regulation on implementation of commercial banks risk management, the Bank programs in risk management are directed and developed in accordance with the regulations. As intermediaries’ institution, PT Bank Syariah Bukopin facilitates credit distribution and will surely face the risks due to failure of counterparty in settling its obligations. To eliminate the risks, the Bank facilitates credit selectively and referring to principles of a healthy credit i nancing and cautiousness, consistently monitor and evaluate progress in credit collectability, credit redemption periodically according to the regulations. Establishing provision of earning assets liabilities write-of (PPAP) to cover troubled earning assets. Enhancement of human resources quality through trainings and education in credit management internally and externally are taken as a preventive action.

33. Kewajiban penyediaan modal minimum - lanjutan 33. Obligations on providing minimum capital - continue Rasio Kewajiban Penyediaan Modal Minimum Yang Tersedia 11,51% 13,06%

Rasio Kewajiban Penyediaan Modal Minimum Yang Diwajibkan 8,00% 8,00%

Capital adequacy ratio Required capital adequacy ratio

Risiko likuiditas

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

Bank menjaga likuiditas dengan mempertahankan jumlah aktiva likuid yang cukup untuk membayar simpanan para nasabah, dan menjaga agar jumlah aktiva yang jatuh tempo pada setiap periode dapat menutupi jumlah kewajiban yang jatuh tempo. Aktiva likuid bank terutama terdiri dari penempatan pada bank-bank lain dan lembaga keuangan lainnya, SBI, giro pada Bank Indonesia dan kas. Apabila Bank memerlukan likuiditas, dengan segera Bank dapat menarik cadangan dana dalam giro pada Bank Indonesia, menjual SBI dengan perjanjian pembelian atau mencari pinjaman di pasar uang antar bank di Indonesia. Cadangan utama Bank terdiri dari cadangan Giro Wajib Minimum dan kas di kantor-kantor cabang.

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

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

Risiko pasar

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

Risiko operasional

Pengelolaan risiko operasional dilakukan dengan terus melaku kan penyempurnaan atau penyesuaian sistem dan prosedur,

pengem-Liquidity Risk

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

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

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

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

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

Market risk

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

Operating risk

Operational risk management is conducted continuously through perfection of or adjustment of system and procedure,

bangan teknologi informasi secara kesinambungan dengan harapan dapat memenuhi kebutuhan atau harapan nasabah. Untuk memenuhi kebutuhan ini harus didukung oleh sumber daya manu-sia yang berkualitas dan mempunyai integritas yang tinggi melalui program penetapan limit/otorisasi, pendidikan dan pelatihan yang dilakukan baik inhouse training maupun eksternal dan berkesi-nambungan serta menetapkan prinsip pengenalan nasabah dengan harapan risiko operasional dapat terkelola dengan baik. 35. Laporan komitmen dan kontinjensi

2010 2009

Komitmen

Kewajiban komitmen

Fasilitas kredit kepada nasabah yang belum

digunakan 10.964.000.000 16.593.657.400

Jumlah komitmen - bersih 10.964.000.000 16.593.657.400 Kontinjensi

Tagihan kontinjensi

Pendapatan bunga dalam penyelesaian 16.280.794.537 3.058.014.812 Kewajiban kontinjensi

Garansi bank 8.097.811.041 11.350.422.485 Aset pruduktif yang dihapusbukukan 73.598.817.445 71.856.966.612 Jumlah kewajiban kontinjensi 81.696.628.486 83.207.389.097 Tagihan (kewajiban) kontinjensi - bersih (54.451.833.948) (63.555.716.885)

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

34. Manajemen risiko - lanjutan 34. Risk management - continue

35. Commitments and Contigencies Statements

Commitments Commitment obligations

Undisbursed credit facilities Total commitment - net

Contigencies Receivables contigencies Interest income in settlement Contigencies obligations Bank guarantee Earning assets written-off Total contingecies obligations Receivables (obligations) contigencies - net

36. Kelangsungan usaha

Di tahun 2010 dengan ditetapkan arah kebijakan pengembangan perbankan syariah oleh Bank Indonesia serta adanya dukungan dari pemerintah dengan dikeluarkannya peraturan perpajakan yang lebih kondusif sepanjang tahun 2010, industri perbankan syariah nasional tumbuh dengan volume usaha yang cukup tinggi yaitu sebesar 43,99% dengan pertumbuhan dana yang dihimpun sebesar 39,16% dan pembiayaan 34,85%. Pertumbuhan tersebut juga dicapai oleh Bank dengan angka pertumbuhan aset sebesar 9,46%, pembiayaan 19,05% dan dana pihak ketiga 21,74% hingga per akhir bulan Desember 2010.

Sejalan dengan pencapaian kinerja 2010, Bank membuat rencana bisnis tahun 2011-2013 yang disusun dengan mempertim-bangkan perkembangan usaha dan kondisi internal Bank serta faktor-faktor eksternal seperti pertumbuhan perekonomian nasional tahun 2011 yang diproyeksikan sebesar 6,4%, tingkat inl asi 5,3%, serta indikator-indikator ekonomi lainnya yang dapat mendukung perkembangan usaha perbankan syariah.

36. Business Performance

In 2010 developments policy direction of sharia banking has been set by Bank Indonesia and with the support from the government by the issuance of more favorable tax legislation during the year 2010, the national sharia banking industry grew by a relatively high business volume that is equal to 43.99% with growth in funds raised amounted to 39.16% and 34.85% of financing. Growth was also achieved by the Bank with an asset growth rate of 9.46%, 19.05% of financing and third party funds up to 21.74% as of end December 2010.

In line with achieving 2010 performance, the Bank made a business plan for the year 2011-2013 prepared by considering the development of business and internal conditions of the Bank and external factors such as national economic growth in 2011 is projected at 6.4%, 5.3% of inflation rate, as well as other economic indicators that can support the development of sharia banking business.

Target jangka pendek

- Pada tahun 2011 Bank menargetkan pertumbuhan aset sebesar 27% atau tumbuh sebesar Rp574.990.000.000, pembiayaan 34% atau tumbuh sebesar Rp545.320.000.000, dana pihak ketiga 35% atau tumbuh sebesar

Rp537.680.000.000 dan laba sebesar Rp12.420.000.000, disisi permodalan merencankan penambahan modal Rp100.000.000.000.

- Pengembangan usaha dalam jangka pendek diarahkan untuk pertumbuhan pembiayaan dan usaha terutama segmen UMKM, meningkatkan penghimpunan sumber dana masyarakat, memperkuat permodalan, meningkatkan kualitas aktiva produktif serta perkuatan Sumber Daya Insani (SDI), outlet, pelayanan, teknologi informasi, dan meningkatkan kualitas pengendalian risiko dan kepatuhan. Target jangka menegah

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

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

- Mengembangkan Usaha Konsumer

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

- Memperkuat Sumber Daya Insani (SDI)

- Meningkatkan Kualitas Pengelolaan Risiko dan Kepatuhan - Menyelesaikan Pembiayaan Bermasalah

37. Opini Dewan Pengawas Syariah

Berdasarkan surat No. 06/DPS/BSB-JKT/XII/2010 tanggal 23 Desember 2010, No. 05/DPS-BSB/VI/2010 tanggal 28 Juni 2010, No. 04/DPS-BSB/III/2010 tanggal 31 Maret 2010, No. 03/DPS-BSB/ III/2010 tanggal 31 Maret 2010 dan No. 001/DPS-BSB/I/2010 tanggal 16 Januari 2010, Dewan Pengawas Syariah Bank (DPS Bank) telah memberikan opini sehubungan dengan operasional dan produk Bank. Dalam opini tersebut DPS Bank berpendapat bahwa secara aspek operasional dan produk Bank telah mengilkuti fatwa-fatwa dan ketetapan syariah yang dikeluarkan oleh Dewan Syariah Nasional Majelis Ulama Indonesia.

Short Term Objective

- In 2011 the Bank targeted asset growth of 27% or Rp574,990,000,000, 34% of financing or Rp545,320,000,000, deposits growth of 35% or Rp537,680,000,000 and a profit of Rp12,420,000,000, on the capital side, there is plan for additional capital

of Rp100,000,000,000.

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

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

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

- Provision of Fee-Based Services to the Customer - Strengthening of Information Technology and Services - Adding Network Outlets

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

37. Sharia Supervisory Board Opinion

Based on letter No. 06/DPS/BSB-JKT/XII/2010 dated December 23, 2010, No. 05/DPS-BSB/VI/2010 dated June 28, 2010, No. 04/DPS-BSB/III/2010 dated March 31, 2010 , No. 03/DPS-BSB/III/2010 dated March 31, 2010 and No. 001/DPS-BSB/I/2010 dated January 16, 2010, the Bank Sharia Supervisory Board has given its opinion on the Bank operational aspects and products. The Bank’s operation and product were in compliance with fatwa and sharia regulations prepared by National Sharia Board of Indonesian Ulama Council.

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