AR__2009__BILINGUAL
3
Visi & Misi Perseroan
4
Sejarah Perseroan
Corporate History
13
Perjalanan Perseroan
16
Ikhtisar Keuangan
17
Indikator Keuangan
Wilayah Kerja
Corporate Vision & Mission
Corporate Timeline
Contents
Financial Highlights
Financial Indicator
18
Work Area
Tanggung Jawab Manajemen Atas Laporan Tahunan
Struktur Organisasi
Penghargaan
Management’s Responsibility for Annual Report
19
20
Organization Structure
22
Awards
Laporan Komisaris Utama
Laporan Direktur Utama
24
The President Commissioner ’s Report
28
The President Director’s Report
LAPORAN KEGIATAN PERUSAHAAN
35
Company Activity Report
Bisnis
Sistem
36
Business
48
System
International dan Tansactional Banking
55
International and Transactional Banking
L A P O R A N T U G A S P E N G A W A S A N
Manajemen Risiko
50
Human Resources Development
Risk Management
Supervisiory Report
61
Bank Saudara Annual Report 2009
Sumber Daya Manusia
62
01
Tata Kelola Perusahaan
Good Corporate Governance
69
TA N G GU N G J AWA B S O S I A L D A N L I N GK U N GA N
91
Corporate Social Responsibility
J A R I N G A N D A N L A Y A N A N
L A P O R A N K E U A N G A N
Network and Service
Dewan Komisaris
Direksi
101
104
Board of Directors
Pemimpin Cabang
Cormpany Information
102
Board of Commissioners
Divisi & Pejabat Eksekutif
99
Financial Report
I N F O R M A S I P E R U S A H A A N
95
Division & Senior Executives
Branch Managers
107
113
Contents
Laporan Tahunan Bank Saudara 2009
02
Visi
Vision
Misi
Mission
Pelopor institusi keuangan
yang menjadi bank berkinerja
baik dan sehat
Memenuhi harapan stakeholder dalam usaha perbankan
dengan 5 (lima) pilar
A pioneering financial institution
that aims to be a healthy and well
performing bank
Menjaga kepercayaan masyarakat
To fulfil the stakeholders hopes for the banking business through 5 (five) pillars
Preserve Public trust
Memberikan pelayanan secara personal
Provide personalized services
Peningkatan kualitas manajemen dan operasional perbankan
Improve management quality and banking operations
Melestarikan usaha perbankan dengan nilai-nilai tata kelola
perusahaan (good corporate governance) yang baik
Preserve the banking industry through good corporate governance values
Pelopor jasa keuangan yang berkembang dan inovatif
A Pioneer in financial services that continues to grow and innovate
Bank Saudara Annual Report 2009
03
Corporate History
Laporan Tahunan Bank Saudara 2009
04
SEJARAH PERSEROAN
CORPORATE HISTORY
PT BANK HIMPUNAN SAUDARA 1906, Tbk pertama kali
didirikan pada tahun 1906 dengan nama Vereeniging
Himpoenan Soedara oleh para saudagar batik dan kulit di
Bandung dan sekitarnya, dengan tujuan utama untuk
menyalurkan usaha jasa keuangan secara simpan pinjam.
Perkumpulan ini berdiri atas prakarsa 3 (tiga) orang kaum
saudagar saat itu, H. Basoeni, H. Domiri dan H. Bajoeri
yang berkeinginan mengadakan satu perkumpulan kaum
saudagar. Dengan adanya persamaan tujuan, H Basoeni
dan kawan-kawan mencari beberapa saudagar lainnya,
sampai terkumpul sebanyak 10 (sepuluh) orang saudagar.
PT BANK HIMPUNAN SAUDARA 1906, Tbk was first
established in 1906 under the name of Vereenining
Himpoenan Saoedara by batik and leather merchants in
Bandung and vicinity with the primary objective to distribute
the financial service business by deposit-borrow system.
Such association was established by the initiative of 3
(three) merchants namely H Basoeni, TH Damiri and H
Badjoeri who intended to organize an merchant
association. Based on their common interest, H Basoeni
and his colleagues gathered other merchants until there
were 10 (ten) merchants.
Pada tahun 1908, perkumpulan ini juga aktif berperan
dalam pergerakan nasional sebagai mitra perkumpulan
Boedi Oetomo di daerah Jawa Barat yang bergerak di
bidang perekonomian. Pada tahun 1912 Vereeniging
Himpoenan Soedara mengajukan permohonan untuk
mendapat pengesahan sebagai badan hukum yang
dikabulkan dengan pengesahan Anggaran Dasar
berdasarkan Goverment Besluit No.33 tanggal 4 Oktober
1913.
In 1908, this association was also active in the national
movement as a partner with Boedi Oetomo association in
Bandung. Himpoenan Soedara filed for application to
obtain the legalization as a corporation which was granted
with the legalization of Article of Association based on
Government Besluit No.33 dated 4 October 1913.
Pada tanggal 11 November 1955 Menteri Keuangan
memberi izin kepada Himpunan Soedara untuk melakukan
usaha bank tabungan yang berlaku surut mulai tanggal 04
Februari 1955, seiring dengan berlakunya Peraturan
Pemerintah No. 1 Tahun 1955 Lembaran Negara No. 2,
tentang Pengawasan Terhadap Urusan Kredit, yang
menetapkan bahwa semua perusahaan dan badan yang
mengadakan usaha-usaha untuk memberikan kredit atas
tanggungan pendiri adalah Bank Tabungan.
On 11 November 1955 The Ministry of Finance rendered
the license to Himpunan Saoedara to undertake the saving
bank business retroactively since 4 February 1955 in
parallel with the implementation of Government Regulation
No. 1 Year 1955 State Gazette No. 2 regarding to Credit
Affair Oversight which stated that all entities and agencies
who organized the activities of credit distribution on their
own deposit was Bank Tabungan.
Pada tahun 1967, Himpunan Soedara diwajibkan
mengubah bentuk hukumnya dari Perkumpulan menjadi
Perseroan Terbatas, seiring dengan berlakunya UndangUndang No. 14 tentang Pokok-Pokok Perbankan beserta
peraturan pelaksanaannya, dalam hal ini Keputusan
Menteri Keuangan tertanggal 18 Desember 1968.
In 1967, Himpunan Soedara was required to alter their legal
entity from Association to Limited Company, in parallel with
the effectiveness of Law No. 14 regarding to Banking
Outlines along with its rules of practice which are stated in
Decree of Ministry of Finance dated 18 September 1968.
Pada tanggal 15 Juni 1974, Perkumpulan Himpunan
Saudara secara formal legal dibubarkan dan pada saat
bersamaan itu pula didirikan PT Bank Tabungan Himpunan
Saudara (HS) 1906.
In 15 June 1974, Perkumpulan Himpunan Saudara was
formally dissolved and at the same time PT Bank Tabungan
Himpunan Saudara (HS) 1906 was established.
Pada bulan April 1992 PT Bank Tabungan Himpunan
Saudara (HS) 1906 berubah menjadi PT. Bank HS 1906
dengan adanya penyertaan modal serta manajemen/
kepengurusan oleh MEDCO Group (perusahaan swasta
nasional yang bergerak dalam bidang perminyakan dan
gas bumi serta kontraktor) dan pada bulan Juli 1993
dengan berlakunya Undang-Undang Perbankan No. 7/92
berdasarkan SK Menteri Keuangan No.
Kep.067/KM.17/1993, PT Bank Himpunan Saudara 1906
beroperasi sebagai Bank Umum yang peresmiannya
dilakukan oleh Drs. Mar'ie Muhammad yang saat itu
menjabat Menteri Keuangan RI.
In April 1992, HS 1906 was changed to PT Bank Tabungan
Himpunan Saudara (HS) 1906 with the majority of shares
and management ownership held by MEDCO Group (The
national private company which mainly engages in oil and
gas thermal and contractors) and in July 1993 with the
effectiveness of Banking Law No. 7/ 1992 based on Letter
of Decree of Ministry of Finance No.
Kep.067/KMK.17/1993, PT Bank Himpunan Saudara 1906
started to operate as conventional bank which was
legalised by Drs Mar'ie Muhammad who was the Finance
Minister.
In 2006, PT Bank Himpunan Saudara 1906, Tbk changed
their call name to BANK SAUDARA with the same legal
formal and it was followed with the change of company
logo. In 15 December 2006, PT Bank Himpunan Saudara
1906, Tbk undertook the initial public offering which their
marketable securities were listed in Jakarta Stock
Exchange (JSX) with ticker SDRA in their endeavour to
improve the company's performance and to be publicly
owned.
PT Bank Himpunan Saudara 1906, Tbk (BANK SAUDARA)
senantiasa berusaha meningkatkan kinerja perseroan
serta pelayanan kepada nasabah. Selain meningkatkan
kemampuan dan profesionalisme sumber daya
manusianyanya yang secara berkala dengan
melaksanakan pelatihan baik intern maupun ekstern, di
dalam negeri maupun luar negeri, perseroan pun berusaha
lebih mendekatkan diri dengan masyarakat yang
direalisasikan dalam bentuk penambahan kantor di
beberapa wilayah di pulau Jawa
dan melakukan
peningkatan status kantor.
PT Bank Himpunan Saudara 1906, Tbk (BANK SAUDARA)
always tried to improve the company's performance and
service to customers. Aside from continuously improving
their human resource development capability and
professionalism by organizing the internal and external and
domestic and overseas training, the company also tried to
get in touch with society which were realized by expanding
the office in several regions in Java and improving the office
status.
Guna memenuhi ketentuan Undang-Undang No. 40 tahun
2007 tentang Perseroan Terbatas, PT Bank Himpunan
Saudara 1906, Tbk telah mengadakan Rapat Umum
Pemegang Saham Luar Biasa (RUPSLB) pada tanggal 11
Agustus 2008 yang memutuskan dan menyetujui
Perubahan seluruh Anggaran Dasar Perseroan dalam
rangka penyesuaian terhadap Undang-Undang tersebut.
Dalam Anggaran Dasar Baru tersebut diputuskan pula
untuk meningkatkan Modal Dasar Perseroan dari Rp.
400.000.000.000,00 menjadi Rp. 600.000.000.000,00. Hal
ini menunjukan komitmen bertahap pemegang saham
pengendali serta manajemen perseroan di dalam
meningkatkan modal disetor dan di dalam meningkatkan
kinerja perseroan yang semakin lebih baik di masa yang
akan datang.
In order to conform with Law No. 40/ 2007 regarding to
Limited Company, PT Bank Himpunan Saudara 1906, Tbk
organized a Special General Shareholders' Meeting on 11
August 2008 which decided and approved The
Amandment of all Company's Article of Associations
regarding to the adjustment of such Law. In the new Article
of Association, it was decided to increase The Company's
Authorized Capital from Rp 400.000.000.000,00 to Rp
600.000.000.000,00. Such amendment showed the
gradual controlling shareholders' commitment in
increasing the paid-up capital and in improving the
company's performance in the future.
Di tahun 2009, perseroan melaksanakan Rapat Umum
Pemegang Saham Tahunan (RUPST) serta Rapat Umum
Pemegang Saham Luar Biasa (RUPSLB) kembali. Dalam
RUPSLB, para pemegang saham menyetujui beberapa
keputusan antara lain Penambahan Modal melalui
Penawaran Umum Terbatas-I (PUT-I) dengan Hak
Memesan Efek Terlebih Dahulu (HMETD) sejumlah
In 2009, the company organized the Annual General
Shareholders' Meeting and Special General Shareholders'
Meeting again. In the Special General Shareholders'
Meeting, the shareholders approved several decisions
such as Capital Addition through Limited Public Offering – I
(PUT – I) with Pre-emptive Rights to Shareholders' for
750,000,000 (seven hundred fifty million) shares with
nominal price of Rp 100 (one hundred rupiahs) per share
Bank Saudara Annual Report 2009
Pada tahun 2006, PT Bank Himpunan Saudara 1906, Tbk
mengubah nama panggilan/call name menjadi BANK
SAUDARA dengan bentuk hukum yang sama dan diikuti
dengan perubahan logo perusahaan. Pada tanggal 15
Desember 2006, PT Bank Himpunan Saudara 1906, Tbk
melakukan penawaran harga saham perdana perseroan
kepada masyarakat (Initial Public Offering) yang efeknya
tercatat pada Bursa Efek Jakarta (BEJ) dengan kode
SDRA, dalam upaya peningkatan kinerja perusahaan serta
menjadi perusahaan yang terbuka dan dimiliki oleh publik.
05
750.000.000 (tujuh ratus lima puluh juta) saham dengan
nilai nominal sebesar Rp 100 (seratus rupiah) per saham
atau seluruhnya berjumlah Rp 75.000.000.000 (tujuh puluh
lima milyar Rupiah) yang ditawarkan dengan harga Rp 140
(seratus empat puluh Rupiah) per saham, serta menerima
pengunduran diri Dr Uce Karna Suganda sebagai
Komisaris dan Komisaris Independen dan mengangkat
Gasmara Tisnawinata, SE sebagai Komisaris dan
Komisaris Independen sampai tanggal 30 Mei 2012.
Pengangkatan tersebut menjadi efektif setelah mendapat
persetujuan dari Bank Indonesia. Jumlah saham Bank
Saudara setelah pelaksanaan Penawaran Umum
Terbatas-I (PUT-I) menjadi 2.250.000.000 (dua milyar dua
ratus lima puluh juta) saham dengan jumlah nominal Rp
225.000.000.000 (dua ratus dua puluh lima milyar Rupiah),
sehingga kepemilikan Bank Saudara saat ini sebagai
berikut:
Rp 75,000,000,000 (seventy five billion rupiahs) in total
which were offered at Rp 140 (one hundred and forty
rupiahs) per share, and accepted the resignation of Dr Uce
Karna Suganda as Commissioner and Independent
Commissioner and appointed Gasmara Tisnawinata, SE as
Commissioner and Independent Commissioner until 30 May
2012. Such appointment was effective after the approval
from the Bank of Indonesia. The number of shares of Bank
Saudara after the execution of Limited Public Offering – I
(PUT – I) became 2,250,000,000 (two billion and two
hundred fifty million) shaers with nominal amount for Rp
225,000,000,000 (two hundred twenty five billion rupiahs).
Therefore the recent ownership of Bank Saudara would be
as follows:
Komposisi Kepemilikan Saham
( Per 31 desember 2009 )
ShareOwnership Composition
(as of 31 December 2009)
Public
Laporan Tahunan Bank Saudara 2009
06
Saat ini, BANK SAUDARA dipimpin oleh Dewan Komisaris
dan Manajemen yang memiliki kompetensi dan
pengalaman di bidang perbankan. Komisaris Utama saat
ini dijabat oleh R. Maulana Ibrahim, SE Akt., MA, Maskan
Iskandar, SH dan Gasmara Tisnawinata, SE sebagai
Komisaris Independen (dalam proses persetujuan Bank
Indonesia). Direksi terdiri dari Direktur Utama yang dijabat
oleh Farid Rahman, SE, MBA serta Madyantoro Purbo,
MBA menjabat Direktur Bisnis dan Operasi, dan Ir Arief
Budiman menjabat Direktur SDM dan Kepatuhan.
Mayoritas kepemilikan saham saat ini didominasi oleh
Ir H. Arifin Panigoro dan PT Medco Intidinamika.
Up until now, BANK SAUDARA was led by the BoC and
Management who had banking competencies and
experiences. The President Commissioner of BANK
SAUDARA was R. Maulana Ibrahim, SE Akt., MA, Maskan
Iskandar, SH and Gasmara Tisnawinata, SE as Independent
Commissioner (in process of Bank of Indonesia’s approval).
The BoD consisted of President Director namely Farid
Rahman, SE, MBA and Business and Operational Director
namely Madyantoro Purbo, MBA and Human Resources
and Compliance Director, namely Ir Arief Budiman. The
majority of ownership was still held by Ir H. Arifin Panigoro
and PT Medco Intidinamika.
Dalam upaya peningkatan pelayanan serta lebih
mendekatkan diri dengan masyarakat, BANK SAUDARA
meningkatkan kemampuan sumber daya manusianya
yang lebih profesional, sistem teknologi yang semakin
lebih baik serta produk-produk yang inovatif serta menarik
bagi masyarakat. Jaringan kantor akan semakin diperluas
dengan menambah jaringan kantor ke luar pulau Jawa
seperti Sumatera, Kalimantan, Sulawesi, dan Irian Jaya.
In their endeavour to improve their professional services
and to get in touch with the society, BANK SAUDARA
enchanced their human resources development capabilities
to be more professional, better technology system and more
innovative and attractive products for customers. The office
networks would be broadened by expanding the network
office outside Java, such as Sumatera, Kalimantan,
Sulawesi and Irian Jaya.
PERISTIWA PENTING DI TAHUN 2009
SIGNIFICANT EVENTS IN 2009
7 January 2009
Bank Saudara mengadakan Kick Off Meeting (KOM) yang
dihadiri oleh sekitar 225 (duaratus duapuluh lima)
karyawan-Karyawati Bank Saudara perwakilan dari Kantor
Pusat dan Cabang;
Bank Saudara organized the kick-off meeting which was
attended by 225 (two hundred and twenty five) of their
employees of Bank Saudara’s representations from Head
Office and Branch Offices;
Kegiatan KOM ini merupakan agenda rutin yang
diselenggarakan oleh perseroan setiap awal tahun dengan
tujuan silaturahmi dan penyampaian kinerja perseroan
tahun 2008 serta Rencana Bisnis Bank di tahun 2009;
Such meeting was a routine agenda which was organized by
the Company every beginning of the year to strengthen the
relationship of the employees and to present the 2008
company’s performance and 2009 Bank Business Plan;
Dalam kegiatan ini, Direksi Bank Saudara mencanangkan
tahun 2009 sebagai Tahun Pelayanan;
In this event, Bank Saudara’s Board of Directors proclaimed
the year 2009 as the Stewardship Year;
Dengan pelayanan yang lebih baik di tahun 2009 Bank
Saudara yakin akan tetap bisa bersaing dengan perbankan
lain dan mampu melewati tahun 2009 yang menurut
banyak pengamat ekonomi Indonesia merupakan tahun
yang sulit.
With better service in 2009, Bank Saudara was fully
confident to stay in competition with other banks an d to
survive in 2009 which was believed by many economists as
a hard year.
14 Januari 2009
14 Januari 2009
Bank Saudara mengadakan grand opening Kantor Bank
Saudara Cabang Yogyakarta yang bertempat di Jalan
Mangkubumi No, 45 Yogyakarta;
Bank Saudara organized the grand opening of Bank
Saudara Yogyakarta Branch Office which was located at
Jalan Mangkubumi No. 45 Yogyakarta;
Acara ini dihadiri oleh Sri Sultan Hamengkubuwono X
selaku Gubernur Propinsi Daerah Istimewa Yogyakarta,
serta pemegang saham pengendali Bank Saudara, Arifin
Panigoro, Jajaran Dewan Komisaris serta Direksi.
Such occasion was attended by Sri Sultan
Hamengkubuwono X as governor of Yogyakarta Special
Region Province and Arifin Panigoro and all members of
Board of Commissioners and Board of Directors.
30 Januari 2009
30 January 2009
Bank Saudara mengadakan grand opening Kantor Bank
Saudara Cabang Denpasar yang bertempat di Jalan Cok
Agung Tresna Renon Bali, Denpasar;
Bank Saudara organized the grand opening of Bank
Saudara Denpasar Branch Office which was located at Jalan
Cok Agung Tresna Renon Bali, Denpasar;
Acara grand opening ini dihadiri oleh Made Mangku
Pastika selaku Gubernur Propinsi Bali, Arifin Panigoro,
Hilmi Panigoro, Yani Panigoro, Jajaran Dewan Komisaris
serta Dewan Direksi, Rima Melati bersama Widyawati
yang merupakan ikon Bank Saudara.
This grand opening occasion was attended by Made
Mangku Pastika as governor of Bali province, Arifin
Panigoro, Hilmi Panigoro, Yani Panigoro, all members of
BoC and BoD, Rima Melati and Widyawati who was the icon
of Bank Saudara.
Bank Saudara mengadakan penandatangan Perjanjian
Kesepatakan dengan PT Pos Indonesia (persero) dengan
ruang lingkup berbagai kerjasama antara lain
pemanfaatan jasa dan layanan pos oleh Bank Saudara,
penyaluran kredit kepada para pegawai PT Pos Indonesia
(persero).
Bank Saudara undertook the signing of Agreement Contract
with PT Pos Indonesia with scope of collaboration including
the utilization of service of postal service by Bank Saudara
and credit distribution for PT Pos Indonesia’s employees.
4 Februari 2009
4 February 2009
Peresmian Kantor Bank Saudara Cabang Pembantu
Serang, yang dilakukan oleh Walikota Serang H. Bunyamin
MBA. Peresmian bertempat di Hotel LeDian. Sebelumnya
dilakukan acara peresmian di Jalan Jendral Sudirman
No38C Serang yang merupakan berdirinya gedung Kantor
Bank Saudara Cabang Pembantu Serang. Dalam
peresmian ini hadir pula Jajaran MUSPIDA Kota Serang
dan wakil dari Bank Indonesia, Andang Setyobudi.
The official ceremony of Bank Saudara Serang Supporting
Branch Office which was opened by Major of Serang H.
Bunyamin, MBA. Such official ceremony was organized at
LeDian Hotel. Previously, such official ceremony was
undertaken at Jalan Jenderal Sudirman No. 38 C, Serang
where the building of Bank Saudara Serang Supporting
Branch Office was erected. This occasion was attended by
Serang MUSPIDA and Andang Setyobudi as representative
of Bank of Indonesia.
Bank Saudara Annual Report 2009
7 Januari 2009
07
11 Februari 2009
11 February 2009
Bank Saudara melakukan Penandatanganan MoU
(Memorandum of Understanding) dengan Koperasi
Peternak Sapi Bandung Utara (KPSBU) tentang
Pemanfaatan Layanan Jasa dan Produk Perbankan, di
Gedung Abadi Hash Carlo Erba Lembang.
Bank Saudara undertook the signing of MoU (Memorandung
of Understanding) with Cooperative of North Bandung Cow
Breeder regarding to the utilization of Banking Productand
Service at Abadi Hash Carlo Erba Lembang Building.
12 Februari 2009
12 February 2009
Bank Saudara melakukan penandatanganan Nota
Kesepakatan (MoU/ Memorandum of Understanding)
dengan GKSI Jabar tentang penerimaan pembayaran hasil
produksi susu. Penandatanganan dilakukan oleh Direktur
Operasi dan Bisnis Bank Saudara dan Ketua Umum GKSI
Jabar di Hotel Gunung Lembang.
Bank Saudara undertook the signing of MoU (Memorandum
of Understanding) with GKSI Jabar regarding to dairy
production result payment receipt. Such signing was
undertaken by Operational and Business Director of Bank
Saudara and Chairperson of GKSI Jabar at Hotel Gunung
Lembang.
16 Maret 2009
16 March 2009
Bank Saudara melakukan penandatanganan Perjanjian
Kerjasama dengan Sekolah Menengah Atas (SMA)
Pasundan 1 Bandung;
Bank Saudara undertook the signing of Collaboration
Agreement with Pasundan 1 High School, Bandung.
Ruang lingkup kerjasama antara lain pengelolaan dana
SMA Pasundan 1 Bandung, layanan Pick Up Service,
pemasaran produk tabungan pelajar serta penyediaan
fasilitas Aplikasi Sistem Teknologi Solusi Presensi Card
dan Short Message Service (SMS) Academic.
Laporan Tahunan Bank Saudara 2009
08
The collaboration scope included the fund management of
High School Pasundan 1Bandung, pick up service provision,
students’ saving product marketing and provision of facility of
Card Presence Solution Technology System and Academic
Short Message Service (SMS).
1 April 2009
1 April 2009
Bank Saudara mengadakan Rapat Umum Pemegang
Saham Tahunan (RUPST) 2009 di Financial Club Gedung
Graha Niaga Lt. 27 Jakarta;
Bank Saudara organized 2009 Annual General
Shareholders’ Meeting at Financial Club, Graha Niaga
Building 27 th floor, Jakarta;
Dalam RUPST 2009, para pemegang saham menyetujui
dan mensahkan Laporan Tahunan dan Laporan Keuangan
Perseroan tahun buku 2008, serta Rencana Kerja dan
Anggaran Tahunan Bank Saudara (PT Bank Himpunan
Saudara 1906, Tbk) untuk tahun 2009;
In such meeting, the shareholders approved and ratified the
Company’s 2008 Annual Report and 2008 Financial
Statements and 2009 Bank Saudara’s Work Plan and
Annual Budget.
Bank Saudara menyelenggakan Public Expose (PE), di
Financial Club Gedung Graha Niaga Lt. 27 Jakarta.
Kegiatan PE ini dihadiri oleh beberapa media cetak baik.
Dalam kegiatan ini, Bank Saudara menyampaikan Kinerja
Perseroan tahun 2008 serta hasil RUPST 2009.
Bank Saudara organized the Public Expose at Financial
Club, Graha Niaga Building 27 th floor, Jakarta. This public
exposure was attended by several newspapers. In this
occasion, Bank Saudara presented the 2008 Company’s
Performance and 2009 results of Annual General
Shareholders’ Meeting.
16 April 2009
16 April 2009
Bank Saudara melaksanakan kegiatan Bulan Saudara
diseluruh Kantor baik Pusat maupun Cabang serta Cabang
Pembantu;
Bank Saudara organized the Fraternity Month activity in all of
their offices both head office, branch office and supporting
branch office;
Kegiatan ini sekaligus memperingati 103 Tahun Bank
Saudara dan wujud rasa syukur kepada Yang Maha Kuasa
seluruh karyawan-karyawati Bank Saudara;
Such activity was to celebrate the 103 rd anniversary of Bank
Saudara and an actualization of all employees’ thankfulness
to God Almighty;
Kegiatan ini dimeriahkan pula oleh pemberian souvenir
maupun merchandise kepada para nasabah yang pada
hari tersebut melakukan transaksi di Bank Saudara.
This activity was enlivened with souvenirs’ and
merchandises’ giving to the customers who visited the Bank
on that day.
20 April 2009
20 April 2009
Kegiatan memperingati 103 Tahun Bank Saudara dan
wujud rasa kepedulian terhadap masyarakat yang juga
merupakan salah satu agenda program Corporate Social
Responsibility (CSR);
Activities was organized to also celebrate the 103 rd
Anniversary of Bank Saudara and the actualization of their
careness to society. The activities was one of their Corporate
Social Responsibility agenda;
Terkait dengan progam Corporate Social Responsibility,
Bank Saudara juga menyelenggarakan kegiatan Donor
Darah dan Pengobatan Gratis kepada Masyarakat
disekitar lokasi kantor, kegiatan ini bekerjasama dengan
Rumah Zakat Indonesia (RZI).
Related to the Corporate Social Responsibiity programme,
Bank Saudara also organized the blood donor activity and
free medical treatment to society aroung the office location
by collaborating with Indonesia House of Alms.
22 April 2009
22 April 2009
Bank Saudara mengadakan Silaturahmi Yayasan
Himpunan Saudara bertempat di Hotel Grand Preanger
Bandung. Acara silaturahmi ini dihadiri oleh lebih dari 600
(enam ratus) orang pemegang saham dan juga para
anggota yayasan.
Bank Saudara organized Silaturahmi Yayasan Himpunan
Saudara which was located at Grand Preanger Hotel,
Bandung. The occasion was attended by more than 600 (six
hundreds) shareholders and also members of foundation.
7 Juni 2009
7 June 2009
Bank Saudara menyelenggarakan Fun Bike Cinta Kota
Bandung;
Bank Saudara organized Fun Bike Cinta Kota Bandung;
Fun Bike Cinta Kota Bandung merupakan wujud kecintaan
terhadap kota Bandung yang merupakan lokasi Kantor
Pusat Bank Saudara berada. Fun Bike Cinta Kota Bandung
juga merupakan apresiasi Bank Saudara terhadap
nasabah dan warga kota Bandung;
Fun Bike Cinta Kota Bandung was a actualization of lthe love
for Bandung which was where Bank Saudara Head Office is
situated. Fun Bike Cinta Kota Bandung was also the
actualization of appreciation for customers and Bandung
citizen;
Kegiatan tersebut dihadiri oleh lebih dari 1400 (seribu
empat rarus) peserta yang terdiri dari 850 (delapan ratus
lima puluh) orang warga kota Bandung, 300 (tiga ratus)
orang karyawan-karyawati Bank Saudara serta 250 (dua
ratus limapuluh) karyawan dari berbagai instansi baik
pemerintah maupun swasta.
Such activity was attended by more than 1400 (one
thousand and four hundred) participants which consisted of
850 (eight hundred and fifty) Bandung citizens, 300 (three
hundred) Bank Saudara employees, and 250 (two hundred
and fifty) employees from various private and public
agencies.
14 June 2009
Bank Saudara launched the telephone customer service to
customer and public via Saudara Call Center 0807-1001906;
Peluncuran layanan ini diharapkan masyarakat dan
nasabah agar dapat memiliki akses lebih cepat untuk
memperoleh informasi akan produk dan jasa serta menjadi
sarana penyampaian informasi.
The launching of this service was expected by customers
and public in order to have faster access to obtain
information on products and services as well as a means to
share the information.
18 Juni 2009
18 June 2009
Bank Saudara mengadakan grand opening Kantor Cabang
Bank Saudara yang menempati ruang di The Energy
Building Lot 11 Jalan Jendral Sudirman Kav. 52-53 Jakarta,
yang terletak dikawasan Niaga Terpadu Sudirman (SCBD);
Bank Saudara organized the grand opening of the Branch
Office at The Energy Building Lot 11 Jalan Jenderal
Sudirman kav. 52-53, Jakarta which was located in
Sudirman Centre Business District;
Acara pembukaan kantor dilakukan oleh Pemegang
Saham Pengendali Bank Saudara, Arifin Panigoro.
The occasion of the office opening was conducted by Arifin
Panigoro who was the majority shareholder of Bank
Saudara.
Bank Saudara Annual Report 2009
14 Juni 2009
Bank Saudara meluncurkan jasa layanan kepada nasabah
dan masyarakat melalui Saudara Call Center 0807-1001906;
09
Laporan Tahunan Bank Saudara 2009
10
24 Juni 2009
24 June 2009
Bank Saudara melakukan kerjasama dengan PT Asuransi
Ekspor Indonesia (ASEI) yang berlokasi di Menara Kadin
Jakarta;
Bank Saudara undertook the collaboration with PT Asuransi
Ekspor Indonesia (ASEI) which was located at Menara
Kadin, Jakarta.
Kegiatan ini ditandatangani perjanjian kerjasama
berkenaan dengan penggunaan jasa PT ASEI dalam
penutupan risiko atas kerugian yang timbul dari adanya
ketidakpastian atas pelunasan Bank Garansi sebagai
fasilitas dari Bank Saudara.
Such event was signed under a collaboration agreement
regarding to the utilization of PT ASEI service in risk
coverage on losses of settlement uncertainty in Bank
Guarantee which was one of the facilities that Bank
Saudara offered.
27 Juni 2009
27 June 2009
Bank Saudara berpartisipasi dalam Festival Band
Perbanas Jawa Barat 2009. Dalam festival ini Bank
Saudara mengirimkan group band dan berhasil meraih
predikat Juara III terbaik serta vokalis terbaik;
Bank Saudara participates in 2009 West Java Perbanas
Band Festival. In this Festival, Bank Saudara achieved as
third winner and in best vocalist category;
Festival Band ini diikuti oleh Bank-Bank anggota Perbanas
Jawa Barat.
Such festival was participated by Banks which were
members of West Java Banking Association (Perbanas).
17 Juli 2009
17 July 2009
Bank Saudara berpartisipasi dalam kegiatan Ajang
Rekreasi dan Belanja Keluarga Festival Merah Putih yang
bertempat di Pinus Regency;
Bank Saudara participated in Ajang Kreasi and Belanja
Keluarga Festival Merah Putih whic was located in Pinus
Regency;
Dalam kegiatan ini Bank Saudara membuka anjungan
untuk lebih mendekatkan kepada masyarakat dengan
memberikan produk yang berkualitas dan inovatif;
For this event, Bank Saudara organized booths to get
themselves in touch with public by giving them innovative
and qualified products;
Kegiatan ini berlangsung sampai dengan 17 Agustus 2009.
Such activity was held until 17 August 2009.
26 Juli 2009
26 July 2009
Bank Saudara melaksanakan pertemuan dengan ASABRI
di Jakarta;
Bank Saudara organized the meeting with ASABRI in
Jakarta;
Dalam pertemuan ini dilakukan Bank Saudara melakukan
sosialisasi mekanisme pembayaran atas pensiunan dan
Bank Saudara akan turut berperan sebagai kantor bayar
para pensiunan ASABRI.
In order to socialize the payment mechanism to retirees and
to inform that Bank Saudara would join to be the paying
office for ASABRI retirees.
7 Agustus 2009
7 August 2009
Bank Saudara melakukan perjanjian kerjasama (MoU)
Jasa Perbankan dengan HIPMI (Himpunan Pengusaha
Muda Indonesia) Cabang Bali;
Bank Saudara conducted a collaborative agreement in
Banking Service with Bali Branch Indonesian’s Association
of Young Entrepreneur
Perjanjian kedua belah pihak ini disaksikan oleh Wakil
Gubernur Bali Anak Agung Puspayoga.
Such occasion was witnessed Anak Agung Puspayoga as
Deputy Governor of Bali.
14 Agustus 2009
14 August 2009
Bank Saudara melakukan perjanjian kerjasama (MoU)
dengan Kelompok Media Bali Post (KMB) sekaligus
menjadi sponsor dan fasilitator dalam seminar dengan
salah satu pembicaranya adalah Arifin Panigoro
pemegang saham pengendali dan pemilik Bank Saudara.
Bank Saudara conducted a collaborative agreement with
Media Bali Post Group and also became a sponsor and
facilitator in a seminar in which one of the speakers was
Arifin Panigoro as as a shareholder of Bank Saudara.
2 September 2009
2 September 2009
Bank Saudara ikut berpartisipasi memberikan bantuan
pada gempa bumi di wilayah Pangalengan Kabupaten
Bandung dan sekitarnya;
Bank Saudara participated to help the casualties of
earthquake at Pangalengan County of Bandung and
immediate areas;
Pemberian bantuan berupa sembako dan perlengkapan
yang dibutuhkan para korban gempa (selimut, jas hujan)
disampaikan langsung ke lokasi bencana yang diterima
oleh perwakilan dari korban gempa;
The distribution of help which were needed by casualties
(blanket, raincoat)were directly delivered to the location and
received by the representatives of earthquake casualties;
Kegiatan tersebut merupakan salah satu wujud
pelaksanaan program kepedulian terhadap lingkungan
sekitarnya (corporate social responsibility - CSR).
Such actions taken were one of the actualizations of
corporate social responsibility programme.
Bank Saudara mengikuti pameran UMKM yang
diselenggarakan Bank Indonesia.
Bank Saudara following Scale Medium Enterprises credit
loan (SME) arranged by BMPD and BI
4 September 2009
4 September 2009
Bank Saudara meluncurkan produk baru Western Union di
hampir seluruh Cabang dan Cabang Pembantu, yang
nantinya akan live di seluruh outlet bisnis Bank Saudara;
Bank Saudara launched the new product of Western Union
in almost all branches and supporting branches which would
later go live on all outlets;
Jasa layanan ini merupakan jasa layanan yang di design
untuk membantu nasabah dalam pengiriman uang secara
cepat dalam hitungan menit dengan menggunakan mata
uang Rupiah.
Such service was designed to help the customers in
transfering their money in Indonesian Rupiah currency
within minutes.
10 September 2009
Bank Saudara conducted the Public Education Programm in
Banking, namely “Ayo Ke Bank”;
Kegiatan ini merupakan Program dari Bank Indonesia
bertujuan untuk memperkenalkan produk-produk
perbankan kepada masyarakat;
Such activity was the Programme of Bank of Indonesia to
promote banking products to public;
Kegiatan ini dilaksanakan di 2 (dua) tempat berbeda yaitu
Kampus Universitas Sanggabuana (d/h STIE YPKP)
Bandung dan Universitas Pendidikan Indonesia dan
dihadiri tidak kurang dari 100 mahasiswa di masing-masing
kampus, dengan materi mengenai produk Credit Card.
Such activities were conducted in 2 (two) different places
namly Sanggabuana University Campus (formerly STIE
YPKP) Bandung and Pendidikan Indonesia University and
were attended by more than 100 (one hundred) students in
each of their campuses with the topic of Credit Card.
22 Oktober 2009
22 October 2009
Bank Saudara melaksanakan penandatanganan
kerjasama dalam bidang Direct Marketing/ Telemarketing
dengan AIA Financial di Jakarta;
Bank Saudara conducted a collaborative agreement in
Direct Marketing/ Telemarketing with AIA Financial in
Jakarta;
Kerjasama ini merupakan salah satu kepedulian Bank
Saudara dalam melindungi para nasabahnya melaui
Bancassurance;
an actualization of Bank Saudara's concern for its customers
through Bancassurance.
12 November 2009
12 November 2009
Bank Saudara menyelenggarakan Rapat Kerja (Raker)
Triwulan III Tahun 2009, bertempat di Hotel Gunung Putri,
Lembang, Kabupaten Bandung. Kegiatan yang melibatkan
seluruh unsur Dewan Komisaris, Dewan Direksi, Pejabat
Bank Saudara dan seluruh Pemimpin Cabang untuk
melakukan evaluasi pencapaian dan performance
perusahaan sampai dengan Triwulan III tahun 2009, serta
rencana pengembangan jaringan kantor Bank Saudara di
tahun 2010.
Bank Saudara organized 2009 Third Quater Work Meeting,
located at Gunung Putri Hotel, Lembang, Bandung County.
Such activity involved all elements of Bank Saudara's Board
of Commissioners, Board of Directors, Executive Officers
and all of Branch Managers to evaluate the Company's
achievements and performance and to evaluate Bank
Saudara's office network development in 2010.
Bank Saudara Annual Report 2009
10 September 2009
Bank Saudara melaksanakan Program Edukasi
Masyarakat dalam Bidang Perbankan “Ayo Ke Bank”.
11
Laporan Tahunan Bank Saudara 2009
12
8 Desember 2009
8 Desember 2009
Bank Saudara melaksanakan Rapat Umum Pemegang
Saham Luar Biasa (RUPSLB), bertempat di Financial Club
Gedung Graha Niaga Jalan Jenderal Sudirman Jakarta,
Indonesia;
Bank Saudara organized Extraordinary General
Shareholders' Meeting, located at Financial Club, Graha
Niaga Building, Jalan Jenderal Sudirman, Jakarta,
Indonesia;
Salah satu agenda dalam rapat tersebut adalah rencana
Bank Saudara untuk melakukan Penawaran Umum
Terbatas-I (PUT-I) dengan Hak Memesan Efek Terlebih
Dahulu (HMETD) sejumlah 750000000 (tujuh ratus lima
puluh juta) saham, dengan nilai nominal Rp 100 (seratus
Rupiah) yang ditawarkan dengan harga Rp 140 (seratus
empat puluh Rupiah).
One of the meeting's agenda was the plan to exercise
750000000 (seven hundred fifty thousand) shares for
Limited Public Offering – I (PUT – I) with Preemptive Rights
for Shareholders (HMETD) with nominal value for Rp
100.00 (one hundred rupiahs) which would be offered at Rp
140.00 (one hundred and forty rupiahs).
22 Desember 2009
22 Desember 2009
Bank Saudara merayakan hari Ibu dengan ikut menjadi
sponsor dalam acara “Bukan Empat Mata Spesial Hari
Ibu”, yang merupakan salah satu acara talkshow terkenal
yang dipandu oleh pelawak Tukul Arwana yang
berlangsung di Studio TV Swasta TRANS-7;
Bank Saudara celebrated Mother's Day by participating
themselves in sponsoring “Bukan Mata Spesial Hari Ibu”,
which was a well-known talkshow hosted by comedian Tukul
Arwana which was aired live by private television studio of
TRANS-7;
Acara ini pun dimeriahkan oleh kehadiran beberapa artis
dan ikon Bank Saudara, Widyawati (Duta Bank Saudara)
dan Yani Panigoro (perwakikan dari Medco Group).
Such show was alsommade merrier by the appearance of
several artists and Widyawati (the ambasador of Bank
Saudara) as Bank Saudara's icon and Yani Panigoro (who
represented Medco Group).
Corporate Timeline
Bibilintik tut saeutik
G eus gede ngan kari make
Bapak tani sugih mukti
Nu dagang ngan kari senang
Saudagar tambah baleunghar
Cekek gawe tibra hate
be prudent; what is little will become a lot
once a lot is collected, you can use it
Farmers become prosperous
traders gain profit
merchants become richer
with an occupation, the heart is calm
Bank Saudara Annual Report 2009
13
Corporate Timeline
Himpoenan Soedara berdiri atas prakarsa
10 saudagar Pasar Baru Bandung
Was established by 10 merchants
in Pasar Baru Bandung
Disahkan sebagai Badan Hukum berstatus
“Vereeniging”
Legalized as “Vereeniging”
Menjadi Badan Hukum dengan nama
”PT. Bank Tabungan Himpunan
Saudara 1906”
Became a Limited Liability Company
(Savings Bank) “PT. Bank Tabungan
Himpunan Saudara 1906”
Laporan Tahunan Bank Saudara 2009
14
Medco Group masuk
menjadi Pemegang
Saham Pengendali
“Medco Group became
its Controlling Shareholder”
Laporan Tahunan Bank Saudara 2009
Beroperasi sebagai Bank
Umum dengan nama
” PT. Bank HS 1906 ” yang
diikuti perubahan logo
Operated as Commercial Bank
and changed its name to
“PT Bank Himpunan Saudara 1906”
followed by changed in company logo”
Identitas Korporat berubah dari
Bank HS 1906 menjadi Bank Saudara
sekaligus menjadi Perusahaan
publik/terbuka
Changed its Corporate identity
from Bank HS 1906 to
Bank Saudara & became
a Public Company
Perubahan susunan Pengurus Perseroan
serta penambahan layanan
menjadi salah satu Bank Kustodian
Changed the composition of
the Bank’s management
as well as introduction of
Custodian Banking Service
Izin beroperasi menjadi Bank Devisa
Obtained a license to operate as a
Foreign Exchange Bank
Bank Saudara melakukan Penawaran Umum Terbatas-I (PUT-I)
dengan Hak Memesan Efek Terlebih Dahulu (HMETD)
sejumlah 750.000.000 (tujuh ratus lima puluh juta) saham,
dengan nilai nominal Rp 100 (seratus Rupiah)
Bank Saudara Annual Report 2009
Bank Saudara exercise Limited Public Offering –I (PUT –I) with
Preemptive Rights for Shareholders (HMETD) for 750000000
(seven hundred fifty thousand) shares with nominal value
for Rp 100.00 (one hundred rupiahs)
15
Bank Saudara Annual Report 2009
Ikhtisar Keuangan
Financial Highlights
2008
BALANCE SHEETS
2009
(In billion Rupiah)
Jumlah aktiva
746,90
1.041,20
1.463,05
1.977,15
2.403,70
569,91
724,03
1.164,20
1.525,99
1.925,24
647,86
855,96
1.240,20
1.493,14
2.027,79
77,95
141,03
162,81
181,00
229,43
81,76
148,99
179,81
200,53
253,62
Total Assets
Kredit yang diberikan
Loans
Deposits From Customers
Tier-1 Capital
Equity
2008
STATEMENT OF INCOME
2009
(In Billions Rupiah)
174,80
176,80
4,53
8,03
13,01
19,17
45,69
55,30
51,12
7,61
13,09
31,60
37,66
35,65
-
14,54
21,07
25,11
23,73
73,82
80,43
2,36
5,34
11,39
137,10
Net Interest income
Non Interest income
Income Before Tax
Net Income
Laba Per Saham
Net Share Income
2008
FINANCIAL RATIOS
Rasio Laba Bersih terhadap Aktiva
Return On Assets
Rasio Laba Bersih terhadap Modal
Laporan Tahunan Bank Saudara 2009
16
Return On Equity
Marjin Bunga Bersih
Net Interest Margin
Rasio Beban Operasional terhadap Pendapatan Operasional
Operating Expenses to Operat. Revenues
Rasio Kredit terhadap Dana Pihak Ketiga
2009
1,85%
2,20%
3,73%
3,00%
2,41%
13,63%
14,26%
20,25%
21,63%
17,62%
12,79%
9,84%
12,37%
10,46%
7,19%
89,40%
87,61%
80,70%
82,42%
85,35%
87,97%
84,57%
93,87%
102,20%
94,94%
15,86%
21,41%
15,06%
12,86%
14,10%
21,41%
14,99%
12,75%
13,96%
0,40%
1,72%
1,18%
1,17%
1,29%
0,30%
0,90%
0,45%
0,56%
0,70%
Loans to Deposit Ratio
Rasio Kecukupan Modal dengan memperhitungkan Risiko Kredit
Capital Adequacy Ratio With Credit Risk
- Kredit dan
Rasio Kecukupan Modal dengan memperhitungkan Risiko
Risiko Pasar
Capital Adequacy Ratio With Credit Risk
and Market Risk
Non Performing Loan - Gross
Non Performing Loan - Net
OTHERS
Total Employees
Total Branches
2008
2009
462
590
39
42
27
34
Total ATMs
Bank Saudara Annual Report 2009
Indikator Keuangan
Financial Indicators
2403,70
LABA BERSIH
2009
JUMLAH AKTIVA
37,66
Total Assets
Net Income
35,65
2008
2009
31,60
2008
2007
13,09
7
200
6
200
6
200
7,61
5
200
5
200
Dalam miliar rupiah
Dalam miliar rupiah
In Billion Rupiah
In Billion Rupiah
1.925,24
2.027,79
2009
2009
SIMPANAN NASABAH
1.525,99
KREDIT
Deposits from Customers
Credit
2008
1.493,14
2008
1.240,20
724,02
855,96
7
2007
200
569,91
647,86
6
200
5
6
200
5
200
200
Bank Saudara Annual Report 2009
1.164,20
17
Dalam miliar rupiah
In Billion Rupiah
Dalam miliar rupiah
In Billion Rupiah
Wilayah Kerja
Work Area
WILAYAH PULAU JAWA DAN BALI
JAVA AND BALI REGION
JAKARTA
Serang
Indramayu
Tangerang
Subang
Bogor
SEMARANG
Sumedang
Cimahi
Cirebon
SURABAYA
Maj alengka
BANDUNG
Soreang
Sukabumi
Garut
Kuningan
DENPASAR
Tasikmalaya
YOGYAKARTA
Jawa Barat
Jawa Tengah & Jawa Timur
JAKARTA
Serang
Indramayu
Tangerang
Bogor
SURABAYA
Sumedang
Cimahi
Cirebon
Maj alengka
BANDUNG
Laporan Tahunan Bank Saudara 2009
18
SEMARANG
Subang
Soreang
Sukabumi
Garut
Kuningan
Tasikmalaya
YOGYAKARTA
Bali
DENPASAR
TANGGUNG JAWAB MANAJEMEN
ATAS LAPORAN TAHUNAN
Management's Responsibility for Annual Report
Laporan Tahunan 2009 ini, berikut laporan keuangan dan informasi yang terkait merupakan tanggung
jawab manajemen PT Bank Saudara 1906, Tbk dan ditandatangani oleh seluruh Dewan Komisaris
dan Direksi di bawah ini
The Annual Report of year 2009, including the Financial Report and other related information is the
responsibility of the management of PT Bank Himpunan Saudara 1906, Tbk and such has been
signed by all members of the Board of Commissioners and Board of Directors, whose names are
shown below.
DEWAN KOMISARIS
Board of Commissioners
Maskan Iskandar
R. Maulana Ibrahim
Komisaris
Commissioner
Komisaris Utama
President Commissioner
DIREKSI
Board of Directors
Farid Rahman
Arief Budiman
Direktur
Director
Direktur Utama
President Director
Madyantoro Purbo
Direktur
Director
Bank Saudara Annual Report 2009
Bank Saudara Annual Report 2009
19
Bank Saudara Annual Report 2009
Struktur Organisasi
Organization Structure
Komite Audit
Auditing Committee
Komite Remunerasi & Nominasi
Remuneration And Nomination Committee
Komite Pemantau Risiko
Risk Monitoring Committee
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
DEWAN DIREKSI
BOARD OF DIRECTORS
DIREKTUR UTAMA
PRESIDENT DIRECTOR
DIVISI SATUAN KERJA
AUDIT INTERN
INTERNAL AUDIT
DIVISION
DIREKTUR
KEPATUHAN & SDM
DIREKTUR
BISNIS & OPERASI
COMPLIANCE & HR DIRECTOR
BUSINESS & OPERATION
DIRECTORS
DIVISI SDM
DIVISI INTERNATIONAL &
TRANSAKSIONAL BANKING
DIVISI OPERASIONAL
& KEUANGAN
DIVISI SISTEM
DIVISI BISNIS
HR DIVISION
INTERNATIONAL & TRANSACTIONAL BANKING
DIVISION
OPERATIONAL & FINANCE
DIVISION
SYSTEM DIVISION
BUSINESS DIVISION
SATUAN KERJA
MANAJEMEN RISIKO
& KEPATUHAN
RISK MANAGEMENT &
COMPLIANCE WORKING GROUP
DEPARTEMEN
REMUNERASI
INSPECTORAT
DEPARTMENT
REMUNERATION
DEPARTMENT
DEPARTEMEN
AUDIT TSI
& RESIDEN
DEPARTEMEN
PENGEMBANGAN SDM
INSPECTION
UNIT
AUDIT
SUPPORT
UNIT
RESIDEN
UNIT
CORPORATE
COMUNICATION
INTERNATIONAL
BANKING
DEPARTMENT
UNIT HUB.INDUSTRIAL
& PINJAMAN KARYAWAN
UNIT
KEPEGAWAIAN
& HRIS
INDUSTRIAL RELATION &
EMPLOYEE LOAN UNIT
CUSTODY
SERVICES
DEPARTMENT
INTERNATIONAL
OPERATION
DEPARTMENT
DEPARTEMENT
FINANCIAL
CONTROL
DEPARTEMEN
OPERASI & LOGISTIK
DEPARTEMEN
SISTEM & JARINGAN
DEPARTEMEN
REMEDIAL
LOGISTIC & OPERATION
DEPARTMENT
NETWORK & SYSTEM
DEPARTEMENT
DEPARTEMEN
PRODUK &
QUALITY SERVIS
PEMIMPIN
KANTOR CABANG
TIPE A
REMEDIAL
DEPARTMENT
PRODUCT &
QUALITY SERVICES
DEPARTMENT
BRANCH MANAGER
TYPE A
DEPARTEMEN TSI
DEPARTEMEN
PENGEMBANGAN
USAHA
DEPARTEMEN
SUPERVISI
KREDIT & DANA
PEMIMPIN
KANTOR CABANG
TIPE B
CORPORATE
LEGAL
HRIS &
EMPLOYEE UNIT
UNIT
REMUNERASI
UNIT
DIKLAT
REMUNERATION UNIT
TRAINING
UNIT
20
TSI
AUDIT
UNIT
Laporan Tahunan Bank Saudara 2009
UNIT
MANAJEMEN
RISIKO
RISK MANAGEMENT
UNIT
UNIT
PENGENALAN
NASABAH
KNOW YOUR
CUSTOMER
UNIT
UNIT
KEPATUHAN
UNIT
KESEKRETARIATAN
& KEARSIPAN
COMPLIANCE UNIT
ARCHIEVES &
SECRETARY UNIT
NETWORK
SYSTEM
TSI
DEPARTMENT
DEPARTMENT
MONEY
MARKET
DEALER
UNIT
TRADE
FINANCE
UNIT
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OPERATION
UNIT
TREASURY
OPERATION
UNIT
UNIT MIS &
ANGGARAN
UNIT
LOGISTIK
MIS & BUDGETING
LOGISTIC UNIT
FOREIGN
EXCHANGE
DEALER
UNIT
UNIT
CORRESPONDENT
BANKING
OPERATION
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UNIT
REMITANCE
UNIT
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AKUNTANSI &
PELAPORAN
UNIT
OPERASI
& PAJAK
BAGIAN EDP
KANTOR
CABANG
ACCOUNTING &
REPORTING
OPERATION &
TASK UNIT
EDP BRANCH
OFFICE
FINANCIAL
INSTITUTION
UNIT
BRANCH MANAGER
WHOLESALE
BANKING &
SYARIAH
DEPARTEMENT
TREASURY
CHIEF DEALER
CORPORATE
SECRETARY
HR DEVELOPMENT
DEPARTMENT
AUDIT TSI & RESIDEN
DEPARTMENT
INSPECTION
UNIT
KNOW YOUR
CUSTOMER
MANAGER
PEMIMPIN
KANTOR CABANG
CLIENT SERVICES
& BUSINESS
DEVELOPMENT
DILLS
UNIT
TECHNICAL
SUPPORT
UNIT
BUSINESS DEVELOMENT
DEPARTMENT
CREDIT & FUND
SUPERVISION
DEPARTMENT
BRANCH MANAGER
TYPE B
UNIT
PRODUK
PERKREDITAN
UNIT SUPERVISI
PRODUK
PENDANAAN
KEPALA
KANTOR KAS
SYSTEM DEVELOPMENT
UNIT
CREDIT PRODUCT
UNIT
PRODUCT & FUND
SUPERVISION UNIT
CASH OFFICE
MANAGER
UNIT
OPERASI
ATM
UNIT
PRODUK
PENDANAAN
UNIT PRODUK
QUALITY SERVIS
ATM OPERATION
UNIT
PRODUCT FUND
UNIT
QUALITY SERVICES
PRODUCT UNIT
UNIT
HELPDESK PENGEMBANGAN
SISTEM
UNIT
UNIT
RTGS
UNIT
PENGEMBANGAN
APLIKASI
RTGS UNIT
APLICATION
DEVELOPMENT
Bank Saudara Annual Report 2009
Laporan Tahunan Bank Saudara 2009
DEPARTEMEN
INSPEKTORAT
PEJABAT
PENGENALAN
NASABAH
WHOLESALE
BANKING &
SYARIAH
21
Penghargaan
Awards
INFO BANK AWARD 2009
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2008
“EXCELLENT” Predicate for
Financial Performance
in 2008
INFO BANK AWARD 2008
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2007
“EXCELLENT” Predicate for
Financial Performance
in 2007
INFO BANK AWARD 2007
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2006
“EXCELLENT” Predicate for
Financial Performance
in 2006
INFO BANK AWARD 2006
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2005
Laporan Tahunan Bank Saudara 2009
“EXCELLENT” Predicate for
Financial Performance
in 2005
INFO BANK AWARD 2004
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2003
“EXCELLENT” Predicate for
Financial Performance
in 2003
22
INFO BANK AWARD 2003
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2002
“EXCELLENT” Predicate for
Financial Performance
in 2002
INFO BANK AWARD 2005
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2004
“EXCELLENT” Predicate for
Financial Performance
in 2004
2007
2008
23
Bank Saudara Annual Report 2009
Laporan Komisaris Utama
The President Commissioner’s Report
Laporan Tahunan Bank Saudara 2009
24
R. MAULANA IBRAHIM
Komisaris Utama
President Commissioner
Pemegang Saham, Para Pemangku Kepentingan serta
Dear Shareholders, Stakeholders and Public
Masyarakat yang terhormat,
Kami senantiasa menghaturkan puji dan syukur kepada
We are grateful to God Almighty for His blessings, for by His
Tuhan Yang Maha Esa atas segala rahmat dan karunia-
grace PT Bank Himpunan Saudara 1906 Tbk (Bank
Nya. Berkat-Nya PT Bank Himpunan Saudara 1906 Tbk
Saudara) in 2009 had an improved with all the hard work
(Bank Saudara) secara umum mengalami perkembangan
from all of Bank Saudara's management and staffs, even
yang cukup baik, dengan kerja keras segenap jajaran Bank
though Indonesia faced 2009 with burdensome challenge
Saudara walaupun kondisi perekonomian yang dihadapi
as an effect of prolonged global crisis.
Indonesia tahun 2009 mengalami tantangan berat, sebagai
dampak krisis global yang melanda perekonomian dunia
yang berkepanjangan.
Pertumbuhan ekonomi Indonesia ternyata mampu
The Indonesia's economic growth apparently showed an
menunjukan perkembangan yang baik yang ditunjukkan
optimistic improvement which was indicated by
oleh indikator-indikator ekonomi makro, antara lain
macroeconomic indicators such as the slow growth of
perlambatan laju inflasi yang mendorong Bank Indonesia
inflation which encouraged Bank of Indonesia to decrease
menurunkan suku bunga acuan kurs BI sebanyak 8 kali ke
its interest rate 8 times to the lowest level of 6.50%, which
tingkat terendah pada tingkat 6,50% yang berdampak
ultimately affected the liquidity constriction in the financial
melonggarnya likuiditas sektor keuangan. Kinerja
sector. The performance of national banking was still
perbankan nasional masih cukup baik walaupun sempat
relatively good, even though they had tight money liquidity
mengalami pengetatan likuiditas di awal tahun 2009. Kredit
in the beginning of 2009. The banking credit had grew by
perbankan yang mengalami pertumbuhan
9% to become Rp 1.470 trillion which was still below the
sebesar 9%
menjadi Rp. 1.470 triliun berada di bawah pertumbuhan
growth of Third Party Fund which increased by 13% to
Dana Pihak Ketiga (DPK) yang naik sebesar 13% menjadi
become Rp 1,973 trilli
Visi & Misi Perseroan
4
Sejarah Perseroan
Corporate History
13
Perjalanan Perseroan
16
Ikhtisar Keuangan
17
Indikator Keuangan
Wilayah Kerja
Corporate Vision & Mission
Corporate Timeline
Contents
Financial Highlights
Financial Indicator
18
Work Area
Tanggung Jawab Manajemen Atas Laporan Tahunan
Struktur Organisasi
Penghargaan
Management’s Responsibility for Annual Report
19
20
Organization Structure
22
Awards
Laporan Komisaris Utama
Laporan Direktur Utama
24
The President Commissioner ’s Report
28
The President Director’s Report
LAPORAN KEGIATAN PERUSAHAAN
35
Company Activity Report
Bisnis
Sistem
36
Business
48
System
International dan Tansactional Banking
55
International and Transactional Banking
L A P O R A N T U G A S P E N G A W A S A N
Manajemen Risiko
50
Human Resources Development
Risk Management
Supervisiory Report
61
Bank Saudara Annual Report 2009
Sumber Daya Manusia
62
01
Tata Kelola Perusahaan
Good Corporate Governance
69
TA N G GU N G J AWA B S O S I A L D A N L I N GK U N GA N
91
Corporate Social Responsibility
J A R I N G A N D A N L A Y A N A N
L A P O R A N K E U A N G A N
Network and Service
Dewan Komisaris
Direksi
101
104
Board of Directors
Pemimpin Cabang
Cormpany Information
102
Board of Commissioners
Divisi & Pejabat Eksekutif
99
Financial Report
I N F O R M A S I P E R U S A H A A N
95
Division & Senior Executives
Branch Managers
107
113
Contents
Laporan Tahunan Bank Saudara 2009
02
Visi
Vision
Misi
Mission
Pelopor institusi keuangan
yang menjadi bank berkinerja
baik dan sehat
Memenuhi harapan stakeholder dalam usaha perbankan
dengan 5 (lima) pilar
A pioneering financial institution
that aims to be a healthy and well
performing bank
Menjaga kepercayaan masyarakat
To fulfil the stakeholders hopes for the banking business through 5 (five) pillars
Preserve Public trust
Memberikan pelayanan secara personal
Provide personalized services
Peningkatan kualitas manajemen dan operasional perbankan
Improve management quality and banking operations
Melestarikan usaha perbankan dengan nilai-nilai tata kelola
perusahaan (good corporate governance) yang baik
Preserve the banking industry through good corporate governance values
Pelopor jasa keuangan yang berkembang dan inovatif
A Pioneer in financial services that continues to grow and innovate
Bank Saudara Annual Report 2009
03
Corporate History
Laporan Tahunan Bank Saudara 2009
04
SEJARAH PERSEROAN
CORPORATE HISTORY
PT BANK HIMPUNAN SAUDARA 1906, Tbk pertama kali
didirikan pada tahun 1906 dengan nama Vereeniging
Himpoenan Soedara oleh para saudagar batik dan kulit di
Bandung dan sekitarnya, dengan tujuan utama untuk
menyalurkan usaha jasa keuangan secara simpan pinjam.
Perkumpulan ini berdiri atas prakarsa 3 (tiga) orang kaum
saudagar saat itu, H. Basoeni, H. Domiri dan H. Bajoeri
yang berkeinginan mengadakan satu perkumpulan kaum
saudagar. Dengan adanya persamaan tujuan, H Basoeni
dan kawan-kawan mencari beberapa saudagar lainnya,
sampai terkumpul sebanyak 10 (sepuluh) orang saudagar.
PT BANK HIMPUNAN SAUDARA 1906, Tbk was first
established in 1906 under the name of Vereenining
Himpoenan Saoedara by batik and leather merchants in
Bandung and vicinity with the primary objective to distribute
the financial service business by deposit-borrow system.
Such association was established by the initiative of 3
(three) merchants namely H Basoeni, TH Damiri and H
Badjoeri who intended to organize an merchant
association. Based on their common interest, H Basoeni
and his colleagues gathered other merchants until there
were 10 (ten) merchants.
Pada tahun 1908, perkumpulan ini juga aktif berperan
dalam pergerakan nasional sebagai mitra perkumpulan
Boedi Oetomo di daerah Jawa Barat yang bergerak di
bidang perekonomian. Pada tahun 1912 Vereeniging
Himpoenan Soedara mengajukan permohonan untuk
mendapat pengesahan sebagai badan hukum yang
dikabulkan dengan pengesahan Anggaran Dasar
berdasarkan Goverment Besluit No.33 tanggal 4 Oktober
1913.
In 1908, this association was also active in the national
movement as a partner with Boedi Oetomo association in
Bandung. Himpoenan Soedara filed for application to
obtain the legalization as a corporation which was granted
with the legalization of Article of Association based on
Government Besluit No.33 dated 4 October 1913.
Pada tanggal 11 November 1955 Menteri Keuangan
memberi izin kepada Himpunan Soedara untuk melakukan
usaha bank tabungan yang berlaku surut mulai tanggal 04
Februari 1955, seiring dengan berlakunya Peraturan
Pemerintah No. 1 Tahun 1955 Lembaran Negara No. 2,
tentang Pengawasan Terhadap Urusan Kredit, yang
menetapkan bahwa semua perusahaan dan badan yang
mengadakan usaha-usaha untuk memberikan kredit atas
tanggungan pendiri adalah Bank Tabungan.
On 11 November 1955 The Ministry of Finance rendered
the license to Himpunan Saoedara to undertake the saving
bank business retroactively since 4 February 1955 in
parallel with the implementation of Government Regulation
No. 1 Year 1955 State Gazette No. 2 regarding to Credit
Affair Oversight which stated that all entities and agencies
who organized the activities of credit distribution on their
own deposit was Bank Tabungan.
Pada tahun 1967, Himpunan Soedara diwajibkan
mengubah bentuk hukumnya dari Perkumpulan menjadi
Perseroan Terbatas, seiring dengan berlakunya UndangUndang No. 14 tentang Pokok-Pokok Perbankan beserta
peraturan pelaksanaannya, dalam hal ini Keputusan
Menteri Keuangan tertanggal 18 Desember 1968.
In 1967, Himpunan Soedara was required to alter their legal
entity from Association to Limited Company, in parallel with
the effectiveness of Law No. 14 regarding to Banking
Outlines along with its rules of practice which are stated in
Decree of Ministry of Finance dated 18 September 1968.
Pada tanggal 15 Juni 1974, Perkumpulan Himpunan
Saudara secara formal legal dibubarkan dan pada saat
bersamaan itu pula didirikan PT Bank Tabungan Himpunan
Saudara (HS) 1906.
In 15 June 1974, Perkumpulan Himpunan Saudara was
formally dissolved and at the same time PT Bank Tabungan
Himpunan Saudara (HS) 1906 was established.
Pada bulan April 1992 PT Bank Tabungan Himpunan
Saudara (HS) 1906 berubah menjadi PT. Bank HS 1906
dengan adanya penyertaan modal serta manajemen/
kepengurusan oleh MEDCO Group (perusahaan swasta
nasional yang bergerak dalam bidang perminyakan dan
gas bumi serta kontraktor) dan pada bulan Juli 1993
dengan berlakunya Undang-Undang Perbankan No. 7/92
berdasarkan SK Menteri Keuangan No.
Kep.067/KM.17/1993, PT Bank Himpunan Saudara 1906
beroperasi sebagai Bank Umum yang peresmiannya
dilakukan oleh Drs. Mar'ie Muhammad yang saat itu
menjabat Menteri Keuangan RI.
In April 1992, HS 1906 was changed to PT Bank Tabungan
Himpunan Saudara (HS) 1906 with the majority of shares
and management ownership held by MEDCO Group (The
national private company which mainly engages in oil and
gas thermal and contractors) and in July 1993 with the
effectiveness of Banking Law No. 7/ 1992 based on Letter
of Decree of Ministry of Finance No.
Kep.067/KMK.17/1993, PT Bank Himpunan Saudara 1906
started to operate as conventional bank which was
legalised by Drs Mar'ie Muhammad who was the Finance
Minister.
In 2006, PT Bank Himpunan Saudara 1906, Tbk changed
their call name to BANK SAUDARA with the same legal
formal and it was followed with the change of company
logo. In 15 December 2006, PT Bank Himpunan Saudara
1906, Tbk undertook the initial public offering which their
marketable securities were listed in Jakarta Stock
Exchange (JSX) with ticker SDRA in their endeavour to
improve the company's performance and to be publicly
owned.
PT Bank Himpunan Saudara 1906, Tbk (BANK SAUDARA)
senantiasa berusaha meningkatkan kinerja perseroan
serta pelayanan kepada nasabah. Selain meningkatkan
kemampuan dan profesionalisme sumber daya
manusianyanya yang secara berkala dengan
melaksanakan pelatihan baik intern maupun ekstern, di
dalam negeri maupun luar negeri, perseroan pun berusaha
lebih mendekatkan diri dengan masyarakat yang
direalisasikan dalam bentuk penambahan kantor di
beberapa wilayah di pulau Jawa
dan melakukan
peningkatan status kantor.
PT Bank Himpunan Saudara 1906, Tbk (BANK SAUDARA)
always tried to improve the company's performance and
service to customers. Aside from continuously improving
their human resource development capability and
professionalism by organizing the internal and external and
domestic and overseas training, the company also tried to
get in touch with society which were realized by expanding
the office in several regions in Java and improving the office
status.
Guna memenuhi ketentuan Undang-Undang No. 40 tahun
2007 tentang Perseroan Terbatas, PT Bank Himpunan
Saudara 1906, Tbk telah mengadakan Rapat Umum
Pemegang Saham Luar Biasa (RUPSLB) pada tanggal 11
Agustus 2008 yang memutuskan dan menyetujui
Perubahan seluruh Anggaran Dasar Perseroan dalam
rangka penyesuaian terhadap Undang-Undang tersebut.
Dalam Anggaran Dasar Baru tersebut diputuskan pula
untuk meningkatkan Modal Dasar Perseroan dari Rp.
400.000.000.000,00 menjadi Rp. 600.000.000.000,00. Hal
ini menunjukan komitmen bertahap pemegang saham
pengendali serta manajemen perseroan di dalam
meningkatkan modal disetor dan di dalam meningkatkan
kinerja perseroan yang semakin lebih baik di masa yang
akan datang.
In order to conform with Law No. 40/ 2007 regarding to
Limited Company, PT Bank Himpunan Saudara 1906, Tbk
organized a Special General Shareholders' Meeting on 11
August 2008 which decided and approved The
Amandment of all Company's Article of Associations
regarding to the adjustment of such Law. In the new Article
of Association, it was decided to increase The Company's
Authorized Capital from Rp 400.000.000.000,00 to Rp
600.000.000.000,00. Such amendment showed the
gradual controlling shareholders' commitment in
increasing the paid-up capital and in improving the
company's performance in the future.
Di tahun 2009, perseroan melaksanakan Rapat Umum
Pemegang Saham Tahunan (RUPST) serta Rapat Umum
Pemegang Saham Luar Biasa (RUPSLB) kembali. Dalam
RUPSLB, para pemegang saham menyetujui beberapa
keputusan antara lain Penambahan Modal melalui
Penawaran Umum Terbatas-I (PUT-I) dengan Hak
Memesan Efek Terlebih Dahulu (HMETD) sejumlah
In 2009, the company organized the Annual General
Shareholders' Meeting and Special General Shareholders'
Meeting again. In the Special General Shareholders'
Meeting, the shareholders approved several decisions
such as Capital Addition through Limited Public Offering – I
(PUT – I) with Pre-emptive Rights to Shareholders' for
750,000,000 (seven hundred fifty million) shares with
nominal price of Rp 100 (one hundred rupiahs) per share
Bank Saudara Annual Report 2009
Pada tahun 2006, PT Bank Himpunan Saudara 1906, Tbk
mengubah nama panggilan/call name menjadi BANK
SAUDARA dengan bentuk hukum yang sama dan diikuti
dengan perubahan logo perusahaan. Pada tanggal 15
Desember 2006, PT Bank Himpunan Saudara 1906, Tbk
melakukan penawaran harga saham perdana perseroan
kepada masyarakat (Initial Public Offering) yang efeknya
tercatat pada Bursa Efek Jakarta (BEJ) dengan kode
SDRA, dalam upaya peningkatan kinerja perusahaan serta
menjadi perusahaan yang terbuka dan dimiliki oleh publik.
05
750.000.000 (tujuh ratus lima puluh juta) saham dengan
nilai nominal sebesar Rp 100 (seratus rupiah) per saham
atau seluruhnya berjumlah Rp 75.000.000.000 (tujuh puluh
lima milyar Rupiah) yang ditawarkan dengan harga Rp 140
(seratus empat puluh Rupiah) per saham, serta menerima
pengunduran diri Dr Uce Karna Suganda sebagai
Komisaris dan Komisaris Independen dan mengangkat
Gasmara Tisnawinata, SE sebagai Komisaris dan
Komisaris Independen sampai tanggal 30 Mei 2012.
Pengangkatan tersebut menjadi efektif setelah mendapat
persetujuan dari Bank Indonesia. Jumlah saham Bank
Saudara setelah pelaksanaan Penawaran Umum
Terbatas-I (PUT-I) menjadi 2.250.000.000 (dua milyar dua
ratus lima puluh juta) saham dengan jumlah nominal Rp
225.000.000.000 (dua ratus dua puluh lima milyar Rupiah),
sehingga kepemilikan Bank Saudara saat ini sebagai
berikut:
Rp 75,000,000,000 (seventy five billion rupiahs) in total
which were offered at Rp 140 (one hundred and forty
rupiahs) per share, and accepted the resignation of Dr Uce
Karna Suganda as Commissioner and Independent
Commissioner and appointed Gasmara Tisnawinata, SE as
Commissioner and Independent Commissioner until 30 May
2012. Such appointment was effective after the approval
from the Bank of Indonesia. The number of shares of Bank
Saudara after the execution of Limited Public Offering – I
(PUT – I) became 2,250,000,000 (two billion and two
hundred fifty million) shaers with nominal amount for Rp
225,000,000,000 (two hundred twenty five billion rupiahs).
Therefore the recent ownership of Bank Saudara would be
as follows:
Komposisi Kepemilikan Saham
( Per 31 desember 2009 )
ShareOwnership Composition
(as of 31 December 2009)
Public
Laporan Tahunan Bank Saudara 2009
06
Saat ini, BANK SAUDARA dipimpin oleh Dewan Komisaris
dan Manajemen yang memiliki kompetensi dan
pengalaman di bidang perbankan. Komisaris Utama saat
ini dijabat oleh R. Maulana Ibrahim, SE Akt., MA, Maskan
Iskandar, SH dan Gasmara Tisnawinata, SE sebagai
Komisaris Independen (dalam proses persetujuan Bank
Indonesia). Direksi terdiri dari Direktur Utama yang dijabat
oleh Farid Rahman, SE, MBA serta Madyantoro Purbo,
MBA menjabat Direktur Bisnis dan Operasi, dan Ir Arief
Budiman menjabat Direktur SDM dan Kepatuhan.
Mayoritas kepemilikan saham saat ini didominasi oleh
Ir H. Arifin Panigoro dan PT Medco Intidinamika.
Up until now, BANK SAUDARA was led by the BoC and
Management who had banking competencies and
experiences. The President Commissioner of BANK
SAUDARA was R. Maulana Ibrahim, SE Akt., MA, Maskan
Iskandar, SH and Gasmara Tisnawinata, SE as Independent
Commissioner (in process of Bank of Indonesia’s approval).
The BoD consisted of President Director namely Farid
Rahman, SE, MBA and Business and Operational Director
namely Madyantoro Purbo, MBA and Human Resources
and Compliance Director, namely Ir Arief Budiman. The
majority of ownership was still held by Ir H. Arifin Panigoro
and PT Medco Intidinamika.
Dalam upaya peningkatan pelayanan serta lebih
mendekatkan diri dengan masyarakat, BANK SAUDARA
meningkatkan kemampuan sumber daya manusianya
yang lebih profesional, sistem teknologi yang semakin
lebih baik serta produk-produk yang inovatif serta menarik
bagi masyarakat. Jaringan kantor akan semakin diperluas
dengan menambah jaringan kantor ke luar pulau Jawa
seperti Sumatera, Kalimantan, Sulawesi, dan Irian Jaya.
In their endeavour to improve their professional services
and to get in touch with the society, BANK SAUDARA
enchanced their human resources development capabilities
to be more professional, better technology system and more
innovative and attractive products for customers. The office
networks would be broadened by expanding the network
office outside Java, such as Sumatera, Kalimantan,
Sulawesi and Irian Jaya.
PERISTIWA PENTING DI TAHUN 2009
SIGNIFICANT EVENTS IN 2009
7 January 2009
Bank Saudara mengadakan Kick Off Meeting (KOM) yang
dihadiri oleh sekitar 225 (duaratus duapuluh lima)
karyawan-Karyawati Bank Saudara perwakilan dari Kantor
Pusat dan Cabang;
Bank Saudara organized the kick-off meeting which was
attended by 225 (two hundred and twenty five) of their
employees of Bank Saudara’s representations from Head
Office and Branch Offices;
Kegiatan KOM ini merupakan agenda rutin yang
diselenggarakan oleh perseroan setiap awal tahun dengan
tujuan silaturahmi dan penyampaian kinerja perseroan
tahun 2008 serta Rencana Bisnis Bank di tahun 2009;
Such meeting was a routine agenda which was organized by
the Company every beginning of the year to strengthen the
relationship of the employees and to present the 2008
company’s performance and 2009 Bank Business Plan;
Dalam kegiatan ini, Direksi Bank Saudara mencanangkan
tahun 2009 sebagai Tahun Pelayanan;
In this event, Bank Saudara’s Board of Directors proclaimed
the year 2009 as the Stewardship Year;
Dengan pelayanan yang lebih baik di tahun 2009 Bank
Saudara yakin akan tetap bisa bersaing dengan perbankan
lain dan mampu melewati tahun 2009 yang menurut
banyak pengamat ekonomi Indonesia merupakan tahun
yang sulit.
With better service in 2009, Bank Saudara was fully
confident to stay in competition with other banks an d to
survive in 2009 which was believed by many economists as
a hard year.
14 Januari 2009
14 Januari 2009
Bank Saudara mengadakan grand opening Kantor Bank
Saudara Cabang Yogyakarta yang bertempat di Jalan
Mangkubumi No, 45 Yogyakarta;
Bank Saudara organized the grand opening of Bank
Saudara Yogyakarta Branch Office which was located at
Jalan Mangkubumi No. 45 Yogyakarta;
Acara ini dihadiri oleh Sri Sultan Hamengkubuwono X
selaku Gubernur Propinsi Daerah Istimewa Yogyakarta,
serta pemegang saham pengendali Bank Saudara, Arifin
Panigoro, Jajaran Dewan Komisaris serta Direksi.
Such occasion was attended by Sri Sultan
Hamengkubuwono X as governor of Yogyakarta Special
Region Province and Arifin Panigoro and all members of
Board of Commissioners and Board of Directors.
30 Januari 2009
30 January 2009
Bank Saudara mengadakan grand opening Kantor Bank
Saudara Cabang Denpasar yang bertempat di Jalan Cok
Agung Tresna Renon Bali, Denpasar;
Bank Saudara organized the grand opening of Bank
Saudara Denpasar Branch Office which was located at Jalan
Cok Agung Tresna Renon Bali, Denpasar;
Acara grand opening ini dihadiri oleh Made Mangku
Pastika selaku Gubernur Propinsi Bali, Arifin Panigoro,
Hilmi Panigoro, Yani Panigoro, Jajaran Dewan Komisaris
serta Dewan Direksi, Rima Melati bersama Widyawati
yang merupakan ikon Bank Saudara.
This grand opening occasion was attended by Made
Mangku Pastika as governor of Bali province, Arifin
Panigoro, Hilmi Panigoro, Yani Panigoro, all members of
BoC and BoD, Rima Melati and Widyawati who was the icon
of Bank Saudara.
Bank Saudara mengadakan penandatangan Perjanjian
Kesepatakan dengan PT Pos Indonesia (persero) dengan
ruang lingkup berbagai kerjasama antara lain
pemanfaatan jasa dan layanan pos oleh Bank Saudara,
penyaluran kredit kepada para pegawai PT Pos Indonesia
(persero).
Bank Saudara undertook the signing of Agreement Contract
with PT Pos Indonesia with scope of collaboration including
the utilization of service of postal service by Bank Saudara
and credit distribution for PT Pos Indonesia’s employees.
4 Februari 2009
4 February 2009
Peresmian Kantor Bank Saudara Cabang Pembantu
Serang, yang dilakukan oleh Walikota Serang H. Bunyamin
MBA. Peresmian bertempat di Hotel LeDian. Sebelumnya
dilakukan acara peresmian di Jalan Jendral Sudirman
No38C Serang yang merupakan berdirinya gedung Kantor
Bank Saudara Cabang Pembantu Serang. Dalam
peresmian ini hadir pula Jajaran MUSPIDA Kota Serang
dan wakil dari Bank Indonesia, Andang Setyobudi.
The official ceremony of Bank Saudara Serang Supporting
Branch Office which was opened by Major of Serang H.
Bunyamin, MBA. Such official ceremony was organized at
LeDian Hotel. Previously, such official ceremony was
undertaken at Jalan Jenderal Sudirman No. 38 C, Serang
where the building of Bank Saudara Serang Supporting
Branch Office was erected. This occasion was attended by
Serang MUSPIDA and Andang Setyobudi as representative
of Bank of Indonesia.
Bank Saudara Annual Report 2009
7 Januari 2009
07
11 Februari 2009
11 February 2009
Bank Saudara melakukan Penandatanganan MoU
(Memorandum of Understanding) dengan Koperasi
Peternak Sapi Bandung Utara (KPSBU) tentang
Pemanfaatan Layanan Jasa dan Produk Perbankan, di
Gedung Abadi Hash Carlo Erba Lembang.
Bank Saudara undertook the signing of MoU (Memorandung
of Understanding) with Cooperative of North Bandung Cow
Breeder regarding to the utilization of Banking Productand
Service at Abadi Hash Carlo Erba Lembang Building.
12 Februari 2009
12 February 2009
Bank Saudara melakukan penandatanganan Nota
Kesepakatan (MoU/ Memorandum of Understanding)
dengan GKSI Jabar tentang penerimaan pembayaran hasil
produksi susu. Penandatanganan dilakukan oleh Direktur
Operasi dan Bisnis Bank Saudara dan Ketua Umum GKSI
Jabar di Hotel Gunung Lembang.
Bank Saudara undertook the signing of MoU (Memorandum
of Understanding) with GKSI Jabar regarding to dairy
production result payment receipt. Such signing was
undertaken by Operational and Business Director of Bank
Saudara and Chairperson of GKSI Jabar at Hotel Gunung
Lembang.
16 Maret 2009
16 March 2009
Bank Saudara melakukan penandatanganan Perjanjian
Kerjasama dengan Sekolah Menengah Atas (SMA)
Pasundan 1 Bandung;
Bank Saudara undertook the signing of Collaboration
Agreement with Pasundan 1 High School, Bandung.
Ruang lingkup kerjasama antara lain pengelolaan dana
SMA Pasundan 1 Bandung, layanan Pick Up Service,
pemasaran produk tabungan pelajar serta penyediaan
fasilitas Aplikasi Sistem Teknologi Solusi Presensi Card
dan Short Message Service (SMS) Academic.
Laporan Tahunan Bank Saudara 2009
08
The collaboration scope included the fund management of
High School Pasundan 1Bandung, pick up service provision,
students’ saving product marketing and provision of facility of
Card Presence Solution Technology System and Academic
Short Message Service (SMS).
1 April 2009
1 April 2009
Bank Saudara mengadakan Rapat Umum Pemegang
Saham Tahunan (RUPST) 2009 di Financial Club Gedung
Graha Niaga Lt. 27 Jakarta;
Bank Saudara organized 2009 Annual General
Shareholders’ Meeting at Financial Club, Graha Niaga
Building 27 th floor, Jakarta;
Dalam RUPST 2009, para pemegang saham menyetujui
dan mensahkan Laporan Tahunan dan Laporan Keuangan
Perseroan tahun buku 2008, serta Rencana Kerja dan
Anggaran Tahunan Bank Saudara (PT Bank Himpunan
Saudara 1906, Tbk) untuk tahun 2009;
In such meeting, the shareholders approved and ratified the
Company’s 2008 Annual Report and 2008 Financial
Statements and 2009 Bank Saudara’s Work Plan and
Annual Budget.
Bank Saudara menyelenggakan Public Expose (PE), di
Financial Club Gedung Graha Niaga Lt. 27 Jakarta.
Kegiatan PE ini dihadiri oleh beberapa media cetak baik.
Dalam kegiatan ini, Bank Saudara menyampaikan Kinerja
Perseroan tahun 2008 serta hasil RUPST 2009.
Bank Saudara organized the Public Expose at Financial
Club, Graha Niaga Building 27 th floor, Jakarta. This public
exposure was attended by several newspapers. In this
occasion, Bank Saudara presented the 2008 Company’s
Performance and 2009 results of Annual General
Shareholders’ Meeting.
16 April 2009
16 April 2009
Bank Saudara melaksanakan kegiatan Bulan Saudara
diseluruh Kantor baik Pusat maupun Cabang serta Cabang
Pembantu;
Bank Saudara organized the Fraternity Month activity in all of
their offices both head office, branch office and supporting
branch office;
Kegiatan ini sekaligus memperingati 103 Tahun Bank
Saudara dan wujud rasa syukur kepada Yang Maha Kuasa
seluruh karyawan-karyawati Bank Saudara;
Such activity was to celebrate the 103 rd anniversary of Bank
Saudara and an actualization of all employees’ thankfulness
to God Almighty;
Kegiatan ini dimeriahkan pula oleh pemberian souvenir
maupun merchandise kepada para nasabah yang pada
hari tersebut melakukan transaksi di Bank Saudara.
This activity was enlivened with souvenirs’ and
merchandises’ giving to the customers who visited the Bank
on that day.
20 April 2009
20 April 2009
Kegiatan memperingati 103 Tahun Bank Saudara dan
wujud rasa kepedulian terhadap masyarakat yang juga
merupakan salah satu agenda program Corporate Social
Responsibility (CSR);
Activities was organized to also celebrate the 103 rd
Anniversary of Bank Saudara and the actualization of their
careness to society. The activities was one of their Corporate
Social Responsibility agenda;
Terkait dengan progam Corporate Social Responsibility,
Bank Saudara juga menyelenggarakan kegiatan Donor
Darah dan Pengobatan Gratis kepada Masyarakat
disekitar lokasi kantor, kegiatan ini bekerjasama dengan
Rumah Zakat Indonesia (RZI).
Related to the Corporate Social Responsibiity programme,
Bank Saudara also organized the blood donor activity and
free medical treatment to society aroung the office location
by collaborating with Indonesia House of Alms.
22 April 2009
22 April 2009
Bank Saudara mengadakan Silaturahmi Yayasan
Himpunan Saudara bertempat di Hotel Grand Preanger
Bandung. Acara silaturahmi ini dihadiri oleh lebih dari 600
(enam ratus) orang pemegang saham dan juga para
anggota yayasan.
Bank Saudara organized Silaturahmi Yayasan Himpunan
Saudara which was located at Grand Preanger Hotel,
Bandung. The occasion was attended by more than 600 (six
hundreds) shareholders and also members of foundation.
7 Juni 2009
7 June 2009
Bank Saudara menyelenggarakan Fun Bike Cinta Kota
Bandung;
Bank Saudara organized Fun Bike Cinta Kota Bandung;
Fun Bike Cinta Kota Bandung merupakan wujud kecintaan
terhadap kota Bandung yang merupakan lokasi Kantor
Pusat Bank Saudara berada. Fun Bike Cinta Kota Bandung
juga merupakan apresiasi Bank Saudara terhadap
nasabah dan warga kota Bandung;
Fun Bike Cinta Kota Bandung was a actualization of lthe love
for Bandung which was where Bank Saudara Head Office is
situated. Fun Bike Cinta Kota Bandung was also the
actualization of appreciation for customers and Bandung
citizen;
Kegiatan tersebut dihadiri oleh lebih dari 1400 (seribu
empat rarus) peserta yang terdiri dari 850 (delapan ratus
lima puluh) orang warga kota Bandung, 300 (tiga ratus)
orang karyawan-karyawati Bank Saudara serta 250 (dua
ratus limapuluh) karyawan dari berbagai instansi baik
pemerintah maupun swasta.
Such activity was attended by more than 1400 (one
thousand and four hundred) participants which consisted of
850 (eight hundred and fifty) Bandung citizens, 300 (three
hundred) Bank Saudara employees, and 250 (two hundred
and fifty) employees from various private and public
agencies.
14 June 2009
Bank Saudara launched the telephone customer service to
customer and public via Saudara Call Center 0807-1001906;
Peluncuran layanan ini diharapkan masyarakat dan
nasabah agar dapat memiliki akses lebih cepat untuk
memperoleh informasi akan produk dan jasa serta menjadi
sarana penyampaian informasi.
The launching of this service was expected by customers
and public in order to have faster access to obtain
information on products and services as well as a means to
share the information.
18 Juni 2009
18 June 2009
Bank Saudara mengadakan grand opening Kantor Cabang
Bank Saudara yang menempati ruang di The Energy
Building Lot 11 Jalan Jendral Sudirman Kav. 52-53 Jakarta,
yang terletak dikawasan Niaga Terpadu Sudirman (SCBD);
Bank Saudara organized the grand opening of the Branch
Office at The Energy Building Lot 11 Jalan Jenderal
Sudirman kav. 52-53, Jakarta which was located in
Sudirman Centre Business District;
Acara pembukaan kantor dilakukan oleh Pemegang
Saham Pengendali Bank Saudara, Arifin Panigoro.
The occasion of the office opening was conducted by Arifin
Panigoro who was the majority shareholder of Bank
Saudara.
Bank Saudara Annual Report 2009
14 Juni 2009
Bank Saudara meluncurkan jasa layanan kepada nasabah
dan masyarakat melalui Saudara Call Center 0807-1001906;
09
Laporan Tahunan Bank Saudara 2009
10
24 Juni 2009
24 June 2009
Bank Saudara melakukan kerjasama dengan PT Asuransi
Ekspor Indonesia (ASEI) yang berlokasi di Menara Kadin
Jakarta;
Bank Saudara undertook the collaboration with PT Asuransi
Ekspor Indonesia (ASEI) which was located at Menara
Kadin, Jakarta.
Kegiatan ini ditandatangani perjanjian kerjasama
berkenaan dengan penggunaan jasa PT ASEI dalam
penutupan risiko atas kerugian yang timbul dari adanya
ketidakpastian atas pelunasan Bank Garansi sebagai
fasilitas dari Bank Saudara.
Such event was signed under a collaboration agreement
regarding to the utilization of PT ASEI service in risk
coverage on losses of settlement uncertainty in Bank
Guarantee which was one of the facilities that Bank
Saudara offered.
27 Juni 2009
27 June 2009
Bank Saudara berpartisipasi dalam Festival Band
Perbanas Jawa Barat 2009. Dalam festival ini Bank
Saudara mengirimkan group band dan berhasil meraih
predikat Juara III terbaik serta vokalis terbaik;
Bank Saudara participates in 2009 West Java Perbanas
Band Festival. In this Festival, Bank Saudara achieved as
third winner and in best vocalist category;
Festival Band ini diikuti oleh Bank-Bank anggota Perbanas
Jawa Barat.
Such festival was participated by Banks which were
members of West Java Banking Association (Perbanas).
17 Juli 2009
17 July 2009
Bank Saudara berpartisipasi dalam kegiatan Ajang
Rekreasi dan Belanja Keluarga Festival Merah Putih yang
bertempat di Pinus Regency;
Bank Saudara participated in Ajang Kreasi and Belanja
Keluarga Festival Merah Putih whic was located in Pinus
Regency;
Dalam kegiatan ini Bank Saudara membuka anjungan
untuk lebih mendekatkan kepada masyarakat dengan
memberikan produk yang berkualitas dan inovatif;
For this event, Bank Saudara organized booths to get
themselves in touch with public by giving them innovative
and qualified products;
Kegiatan ini berlangsung sampai dengan 17 Agustus 2009.
Such activity was held until 17 August 2009.
26 Juli 2009
26 July 2009
Bank Saudara melaksanakan pertemuan dengan ASABRI
di Jakarta;
Bank Saudara organized the meeting with ASABRI in
Jakarta;
Dalam pertemuan ini dilakukan Bank Saudara melakukan
sosialisasi mekanisme pembayaran atas pensiunan dan
Bank Saudara akan turut berperan sebagai kantor bayar
para pensiunan ASABRI.
In order to socialize the payment mechanism to retirees and
to inform that Bank Saudara would join to be the paying
office for ASABRI retirees.
7 Agustus 2009
7 August 2009
Bank Saudara melakukan perjanjian kerjasama (MoU)
Jasa Perbankan dengan HIPMI (Himpunan Pengusaha
Muda Indonesia) Cabang Bali;
Bank Saudara conducted a collaborative agreement in
Banking Service with Bali Branch Indonesian’s Association
of Young Entrepreneur
Perjanjian kedua belah pihak ini disaksikan oleh Wakil
Gubernur Bali Anak Agung Puspayoga.
Such occasion was witnessed Anak Agung Puspayoga as
Deputy Governor of Bali.
14 Agustus 2009
14 August 2009
Bank Saudara melakukan perjanjian kerjasama (MoU)
dengan Kelompok Media Bali Post (KMB) sekaligus
menjadi sponsor dan fasilitator dalam seminar dengan
salah satu pembicaranya adalah Arifin Panigoro
pemegang saham pengendali dan pemilik Bank Saudara.
Bank Saudara conducted a collaborative agreement with
Media Bali Post Group and also became a sponsor and
facilitator in a seminar in which one of the speakers was
Arifin Panigoro as as a shareholder of Bank Saudara.
2 September 2009
2 September 2009
Bank Saudara ikut berpartisipasi memberikan bantuan
pada gempa bumi di wilayah Pangalengan Kabupaten
Bandung dan sekitarnya;
Bank Saudara participated to help the casualties of
earthquake at Pangalengan County of Bandung and
immediate areas;
Pemberian bantuan berupa sembako dan perlengkapan
yang dibutuhkan para korban gempa (selimut, jas hujan)
disampaikan langsung ke lokasi bencana yang diterima
oleh perwakilan dari korban gempa;
The distribution of help which were needed by casualties
(blanket, raincoat)were directly delivered to the location and
received by the representatives of earthquake casualties;
Kegiatan tersebut merupakan salah satu wujud
pelaksanaan program kepedulian terhadap lingkungan
sekitarnya (corporate social responsibility - CSR).
Such actions taken were one of the actualizations of
corporate social responsibility programme.
Bank Saudara mengikuti pameran UMKM yang
diselenggarakan Bank Indonesia.
Bank Saudara following Scale Medium Enterprises credit
loan (SME) arranged by BMPD and BI
4 September 2009
4 September 2009
Bank Saudara meluncurkan produk baru Western Union di
hampir seluruh Cabang dan Cabang Pembantu, yang
nantinya akan live di seluruh outlet bisnis Bank Saudara;
Bank Saudara launched the new product of Western Union
in almost all branches and supporting branches which would
later go live on all outlets;
Jasa layanan ini merupakan jasa layanan yang di design
untuk membantu nasabah dalam pengiriman uang secara
cepat dalam hitungan menit dengan menggunakan mata
uang Rupiah.
Such service was designed to help the customers in
transfering their money in Indonesian Rupiah currency
within minutes.
10 September 2009
Bank Saudara conducted the Public Education Programm in
Banking, namely “Ayo Ke Bank”;
Kegiatan ini merupakan Program dari Bank Indonesia
bertujuan untuk memperkenalkan produk-produk
perbankan kepada masyarakat;
Such activity was the Programme of Bank of Indonesia to
promote banking products to public;
Kegiatan ini dilaksanakan di 2 (dua) tempat berbeda yaitu
Kampus Universitas Sanggabuana (d/h STIE YPKP)
Bandung dan Universitas Pendidikan Indonesia dan
dihadiri tidak kurang dari 100 mahasiswa di masing-masing
kampus, dengan materi mengenai produk Credit Card.
Such activities were conducted in 2 (two) different places
namly Sanggabuana University Campus (formerly STIE
YPKP) Bandung and Pendidikan Indonesia University and
were attended by more than 100 (one hundred) students in
each of their campuses with the topic of Credit Card.
22 Oktober 2009
22 October 2009
Bank Saudara melaksanakan penandatanganan
kerjasama dalam bidang Direct Marketing/ Telemarketing
dengan AIA Financial di Jakarta;
Bank Saudara conducted a collaborative agreement in
Direct Marketing/ Telemarketing with AIA Financial in
Jakarta;
Kerjasama ini merupakan salah satu kepedulian Bank
Saudara dalam melindungi para nasabahnya melaui
Bancassurance;
an actualization of Bank Saudara's concern for its customers
through Bancassurance.
12 November 2009
12 November 2009
Bank Saudara menyelenggarakan Rapat Kerja (Raker)
Triwulan III Tahun 2009, bertempat di Hotel Gunung Putri,
Lembang, Kabupaten Bandung. Kegiatan yang melibatkan
seluruh unsur Dewan Komisaris, Dewan Direksi, Pejabat
Bank Saudara dan seluruh Pemimpin Cabang untuk
melakukan evaluasi pencapaian dan performance
perusahaan sampai dengan Triwulan III tahun 2009, serta
rencana pengembangan jaringan kantor Bank Saudara di
tahun 2010.
Bank Saudara organized 2009 Third Quater Work Meeting,
located at Gunung Putri Hotel, Lembang, Bandung County.
Such activity involved all elements of Bank Saudara's Board
of Commissioners, Board of Directors, Executive Officers
and all of Branch Managers to evaluate the Company's
achievements and performance and to evaluate Bank
Saudara's office network development in 2010.
Bank Saudara Annual Report 2009
10 September 2009
Bank Saudara melaksanakan Program Edukasi
Masyarakat dalam Bidang Perbankan “Ayo Ke Bank”.
11
Laporan Tahunan Bank Saudara 2009
12
8 Desember 2009
8 Desember 2009
Bank Saudara melaksanakan Rapat Umum Pemegang
Saham Luar Biasa (RUPSLB), bertempat di Financial Club
Gedung Graha Niaga Jalan Jenderal Sudirman Jakarta,
Indonesia;
Bank Saudara organized Extraordinary General
Shareholders' Meeting, located at Financial Club, Graha
Niaga Building, Jalan Jenderal Sudirman, Jakarta,
Indonesia;
Salah satu agenda dalam rapat tersebut adalah rencana
Bank Saudara untuk melakukan Penawaran Umum
Terbatas-I (PUT-I) dengan Hak Memesan Efek Terlebih
Dahulu (HMETD) sejumlah 750000000 (tujuh ratus lima
puluh juta) saham, dengan nilai nominal Rp 100 (seratus
Rupiah) yang ditawarkan dengan harga Rp 140 (seratus
empat puluh Rupiah).
One of the meeting's agenda was the plan to exercise
750000000 (seven hundred fifty thousand) shares for
Limited Public Offering – I (PUT – I) with Preemptive Rights
for Shareholders (HMETD) with nominal value for Rp
100.00 (one hundred rupiahs) which would be offered at Rp
140.00 (one hundred and forty rupiahs).
22 Desember 2009
22 Desember 2009
Bank Saudara merayakan hari Ibu dengan ikut menjadi
sponsor dalam acara “Bukan Empat Mata Spesial Hari
Ibu”, yang merupakan salah satu acara talkshow terkenal
yang dipandu oleh pelawak Tukul Arwana yang
berlangsung di Studio TV Swasta TRANS-7;
Bank Saudara celebrated Mother's Day by participating
themselves in sponsoring “Bukan Mata Spesial Hari Ibu”,
which was a well-known talkshow hosted by comedian Tukul
Arwana which was aired live by private television studio of
TRANS-7;
Acara ini pun dimeriahkan oleh kehadiran beberapa artis
dan ikon Bank Saudara, Widyawati (Duta Bank Saudara)
dan Yani Panigoro (perwakikan dari Medco Group).
Such show was alsommade merrier by the appearance of
several artists and Widyawati (the ambasador of Bank
Saudara) as Bank Saudara's icon and Yani Panigoro (who
represented Medco Group).
Corporate Timeline
Bibilintik tut saeutik
G eus gede ngan kari make
Bapak tani sugih mukti
Nu dagang ngan kari senang
Saudagar tambah baleunghar
Cekek gawe tibra hate
be prudent; what is little will become a lot
once a lot is collected, you can use it
Farmers become prosperous
traders gain profit
merchants become richer
with an occupation, the heart is calm
Bank Saudara Annual Report 2009
13
Corporate Timeline
Himpoenan Soedara berdiri atas prakarsa
10 saudagar Pasar Baru Bandung
Was established by 10 merchants
in Pasar Baru Bandung
Disahkan sebagai Badan Hukum berstatus
“Vereeniging”
Legalized as “Vereeniging”
Menjadi Badan Hukum dengan nama
”PT. Bank Tabungan Himpunan
Saudara 1906”
Became a Limited Liability Company
(Savings Bank) “PT. Bank Tabungan
Himpunan Saudara 1906”
Laporan Tahunan Bank Saudara 2009
14
Medco Group masuk
menjadi Pemegang
Saham Pengendali
“Medco Group became
its Controlling Shareholder”
Laporan Tahunan Bank Saudara 2009
Beroperasi sebagai Bank
Umum dengan nama
” PT. Bank HS 1906 ” yang
diikuti perubahan logo
Operated as Commercial Bank
and changed its name to
“PT Bank Himpunan Saudara 1906”
followed by changed in company logo”
Identitas Korporat berubah dari
Bank HS 1906 menjadi Bank Saudara
sekaligus menjadi Perusahaan
publik/terbuka
Changed its Corporate identity
from Bank HS 1906 to
Bank Saudara & became
a Public Company
Perubahan susunan Pengurus Perseroan
serta penambahan layanan
menjadi salah satu Bank Kustodian
Changed the composition of
the Bank’s management
as well as introduction of
Custodian Banking Service
Izin beroperasi menjadi Bank Devisa
Obtained a license to operate as a
Foreign Exchange Bank
Bank Saudara melakukan Penawaran Umum Terbatas-I (PUT-I)
dengan Hak Memesan Efek Terlebih Dahulu (HMETD)
sejumlah 750.000.000 (tujuh ratus lima puluh juta) saham,
dengan nilai nominal Rp 100 (seratus Rupiah)
Bank Saudara Annual Report 2009
Bank Saudara exercise Limited Public Offering –I (PUT –I) with
Preemptive Rights for Shareholders (HMETD) for 750000000
(seven hundred fifty thousand) shares with nominal value
for Rp 100.00 (one hundred rupiahs)
15
Bank Saudara Annual Report 2009
Ikhtisar Keuangan
Financial Highlights
2008
BALANCE SHEETS
2009
(In billion Rupiah)
Jumlah aktiva
746,90
1.041,20
1.463,05
1.977,15
2.403,70
569,91
724,03
1.164,20
1.525,99
1.925,24
647,86
855,96
1.240,20
1.493,14
2.027,79
77,95
141,03
162,81
181,00
229,43
81,76
148,99
179,81
200,53
253,62
Total Assets
Kredit yang diberikan
Loans
Deposits From Customers
Tier-1 Capital
Equity
2008
STATEMENT OF INCOME
2009
(In Billions Rupiah)
174,80
176,80
4,53
8,03
13,01
19,17
45,69
55,30
51,12
7,61
13,09
31,60
37,66
35,65
-
14,54
21,07
25,11
23,73
73,82
80,43
2,36
5,34
11,39
137,10
Net Interest income
Non Interest income
Income Before Tax
Net Income
Laba Per Saham
Net Share Income
2008
FINANCIAL RATIOS
Rasio Laba Bersih terhadap Aktiva
Return On Assets
Rasio Laba Bersih terhadap Modal
Laporan Tahunan Bank Saudara 2009
16
Return On Equity
Marjin Bunga Bersih
Net Interest Margin
Rasio Beban Operasional terhadap Pendapatan Operasional
Operating Expenses to Operat. Revenues
Rasio Kredit terhadap Dana Pihak Ketiga
2009
1,85%
2,20%
3,73%
3,00%
2,41%
13,63%
14,26%
20,25%
21,63%
17,62%
12,79%
9,84%
12,37%
10,46%
7,19%
89,40%
87,61%
80,70%
82,42%
85,35%
87,97%
84,57%
93,87%
102,20%
94,94%
15,86%
21,41%
15,06%
12,86%
14,10%
21,41%
14,99%
12,75%
13,96%
0,40%
1,72%
1,18%
1,17%
1,29%
0,30%
0,90%
0,45%
0,56%
0,70%
Loans to Deposit Ratio
Rasio Kecukupan Modal dengan memperhitungkan Risiko Kredit
Capital Adequacy Ratio With Credit Risk
- Kredit dan
Rasio Kecukupan Modal dengan memperhitungkan Risiko
Risiko Pasar
Capital Adequacy Ratio With Credit Risk
and Market Risk
Non Performing Loan - Gross
Non Performing Loan - Net
OTHERS
Total Employees
Total Branches
2008
2009
462
590
39
42
27
34
Total ATMs
Bank Saudara Annual Report 2009
Indikator Keuangan
Financial Indicators
2403,70
LABA BERSIH
2009
JUMLAH AKTIVA
37,66
Total Assets
Net Income
35,65
2008
2009
31,60
2008
2007
13,09
7
200
6
200
6
200
7,61
5
200
5
200
Dalam miliar rupiah
Dalam miliar rupiah
In Billion Rupiah
In Billion Rupiah
1.925,24
2.027,79
2009
2009
SIMPANAN NASABAH
1.525,99
KREDIT
Deposits from Customers
Credit
2008
1.493,14
2008
1.240,20
724,02
855,96
7
2007
200
569,91
647,86
6
200
5
6
200
5
200
200
Bank Saudara Annual Report 2009
1.164,20
17
Dalam miliar rupiah
In Billion Rupiah
Dalam miliar rupiah
In Billion Rupiah
Wilayah Kerja
Work Area
WILAYAH PULAU JAWA DAN BALI
JAVA AND BALI REGION
JAKARTA
Serang
Indramayu
Tangerang
Subang
Bogor
SEMARANG
Sumedang
Cimahi
Cirebon
SURABAYA
Maj alengka
BANDUNG
Soreang
Sukabumi
Garut
Kuningan
DENPASAR
Tasikmalaya
YOGYAKARTA
Jawa Barat
Jawa Tengah & Jawa Timur
JAKARTA
Serang
Indramayu
Tangerang
Bogor
SURABAYA
Sumedang
Cimahi
Cirebon
Maj alengka
BANDUNG
Laporan Tahunan Bank Saudara 2009
18
SEMARANG
Subang
Soreang
Sukabumi
Garut
Kuningan
Tasikmalaya
YOGYAKARTA
Bali
DENPASAR
TANGGUNG JAWAB MANAJEMEN
ATAS LAPORAN TAHUNAN
Management's Responsibility for Annual Report
Laporan Tahunan 2009 ini, berikut laporan keuangan dan informasi yang terkait merupakan tanggung
jawab manajemen PT Bank Saudara 1906, Tbk dan ditandatangani oleh seluruh Dewan Komisaris
dan Direksi di bawah ini
The Annual Report of year 2009, including the Financial Report and other related information is the
responsibility of the management of PT Bank Himpunan Saudara 1906, Tbk and such has been
signed by all members of the Board of Commissioners and Board of Directors, whose names are
shown below.
DEWAN KOMISARIS
Board of Commissioners
Maskan Iskandar
R. Maulana Ibrahim
Komisaris
Commissioner
Komisaris Utama
President Commissioner
DIREKSI
Board of Directors
Farid Rahman
Arief Budiman
Direktur
Director
Direktur Utama
President Director
Madyantoro Purbo
Direktur
Director
Bank Saudara Annual Report 2009
Bank Saudara Annual Report 2009
19
Bank Saudara Annual Report 2009
Struktur Organisasi
Organization Structure
Komite Audit
Auditing Committee
Komite Remunerasi & Nominasi
Remuneration And Nomination Committee
Komite Pemantau Risiko
Risk Monitoring Committee
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
DEWAN DIREKSI
BOARD OF DIRECTORS
DIREKTUR UTAMA
PRESIDENT DIRECTOR
DIVISI SATUAN KERJA
AUDIT INTERN
INTERNAL AUDIT
DIVISION
DIREKTUR
KEPATUHAN & SDM
DIREKTUR
BISNIS & OPERASI
COMPLIANCE & HR DIRECTOR
BUSINESS & OPERATION
DIRECTORS
DIVISI SDM
DIVISI INTERNATIONAL &
TRANSAKSIONAL BANKING
DIVISI OPERASIONAL
& KEUANGAN
DIVISI SISTEM
DIVISI BISNIS
HR DIVISION
INTERNATIONAL & TRANSACTIONAL BANKING
DIVISION
OPERATIONAL & FINANCE
DIVISION
SYSTEM DIVISION
BUSINESS DIVISION
SATUAN KERJA
MANAJEMEN RISIKO
& KEPATUHAN
RISK MANAGEMENT &
COMPLIANCE WORKING GROUP
DEPARTEMEN
REMUNERASI
INSPECTORAT
DEPARTMENT
REMUNERATION
DEPARTMENT
DEPARTEMEN
AUDIT TSI
& RESIDEN
DEPARTEMEN
PENGEMBANGAN SDM
INSPECTION
UNIT
AUDIT
SUPPORT
UNIT
RESIDEN
UNIT
CORPORATE
COMUNICATION
INTERNATIONAL
BANKING
DEPARTMENT
UNIT HUB.INDUSTRIAL
& PINJAMAN KARYAWAN
UNIT
KEPEGAWAIAN
& HRIS
INDUSTRIAL RELATION &
EMPLOYEE LOAN UNIT
CUSTODY
SERVICES
DEPARTMENT
INTERNATIONAL
OPERATION
DEPARTMENT
DEPARTEMENT
FINANCIAL
CONTROL
DEPARTEMEN
OPERASI & LOGISTIK
DEPARTEMEN
SISTEM & JARINGAN
DEPARTEMEN
REMEDIAL
LOGISTIC & OPERATION
DEPARTMENT
NETWORK & SYSTEM
DEPARTEMENT
DEPARTEMEN
PRODUK &
QUALITY SERVIS
PEMIMPIN
KANTOR CABANG
TIPE A
REMEDIAL
DEPARTMENT
PRODUCT &
QUALITY SERVICES
DEPARTMENT
BRANCH MANAGER
TYPE A
DEPARTEMEN TSI
DEPARTEMEN
PENGEMBANGAN
USAHA
DEPARTEMEN
SUPERVISI
KREDIT & DANA
PEMIMPIN
KANTOR CABANG
TIPE B
CORPORATE
LEGAL
HRIS &
EMPLOYEE UNIT
UNIT
REMUNERASI
UNIT
DIKLAT
REMUNERATION UNIT
TRAINING
UNIT
20
TSI
AUDIT
UNIT
Laporan Tahunan Bank Saudara 2009
UNIT
MANAJEMEN
RISIKO
RISK MANAGEMENT
UNIT
UNIT
PENGENALAN
NASABAH
KNOW YOUR
CUSTOMER
UNIT
UNIT
KEPATUHAN
UNIT
KESEKRETARIATAN
& KEARSIPAN
COMPLIANCE UNIT
ARCHIEVES &
SECRETARY UNIT
NETWORK
SYSTEM
TSI
DEPARTMENT
DEPARTMENT
MONEY
MARKET
DEALER
UNIT
TRADE
FINANCE
UNIT
CUSTODY
OPERATION
UNIT
TREASURY
OPERATION
UNIT
UNIT MIS &
ANGGARAN
UNIT
LOGISTIK
MIS & BUDGETING
LOGISTIC UNIT
FOREIGN
EXCHANGE
DEALER
UNIT
UNIT
CORRESPONDENT
BANKING
OPERATION
SUPPORT
UNIT
REMITANCE
UNIT
UNIT
AKUNTANSI &
PELAPORAN
UNIT
OPERASI
& PAJAK
BAGIAN EDP
KANTOR
CABANG
ACCOUNTING &
REPORTING
OPERATION &
TASK UNIT
EDP BRANCH
OFFICE
FINANCIAL
INSTITUTION
UNIT
BRANCH MANAGER
WHOLESALE
BANKING &
SYARIAH
DEPARTEMENT
TREASURY
CHIEF DEALER
CORPORATE
SECRETARY
HR DEVELOPMENT
DEPARTMENT
AUDIT TSI & RESIDEN
DEPARTMENT
INSPECTION
UNIT
KNOW YOUR
CUSTOMER
MANAGER
PEMIMPIN
KANTOR CABANG
CLIENT SERVICES
& BUSINESS
DEVELOPMENT
DILLS
UNIT
TECHNICAL
SUPPORT
UNIT
BUSINESS DEVELOMENT
DEPARTMENT
CREDIT & FUND
SUPERVISION
DEPARTMENT
BRANCH MANAGER
TYPE B
UNIT
PRODUK
PERKREDITAN
UNIT SUPERVISI
PRODUK
PENDANAAN
KEPALA
KANTOR KAS
SYSTEM DEVELOPMENT
UNIT
CREDIT PRODUCT
UNIT
PRODUCT & FUND
SUPERVISION UNIT
CASH OFFICE
MANAGER
UNIT
OPERASI
ATM
UNIT
PRODUK
PENDANAAN
UNIT PRODUK
QUALITY SERVIS
ATM OPERATION
UNIT
PRODUCT FUND
UNIT
QUALITY SERVICES
PRODUCT UNIT
UNIT
HELPDESK PENGEMBANGAN
SISTEM
UNIT
UNIT
RTGS
UNIT
PENGEMBANGAN
APLIKASI
RTGS UNIT
APLICATION
DEVELOPMENT
Bank Saudara Annual Report 2009
Laporan Tahunan Bank Saudara 2009
DEPARTEMEN
INSPEKTORAT
PEJABAT
PENGENALAN
NASABAH
WHOLESALE
BANKING &
SYARIAH
21
Penghargaan
Awards
INFO BANK AWARD 2009
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2008
“EXCELLENT” Predicate for
Financial Performance
in 2008
INFO BANK AWARD 2008
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2007
“EXCELLENT” Predicate for
Financial Performance
in 2007
INFO BANK AWARD 2007
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2006
“EXCELLENT” Predicate for
Financial Performance
in 2006
INFO BANK AWARD 2006
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2005
Laporan Tahunan Bank Saudara 2009
“EXCELLENT” Predicate for
Financial Performance
in 2005
INFO BANK AWARD 2004
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2003
“EXCELLENT” Predicate for
Financial Performance
in 2003
22
INFO BANK AWARD 2003
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2002
“EXCELLENT” Predicate for
Financial Performance
in 2002
INFO BANK AWARD 2005
Predikat “SANGAT BAGUS”
atas Kinerja Keuangan
Tahun 2004
“EXCELLENT” Predicate for
Financial Performance
in 2004
2007
2008
23
Bank Saudara Annual Report 2009
Laporan Komisaris Utama
The President Commissioner’s Report
Laporan Tahunan Bank Saudara 2009
24
R. MAULANA IBRAHIM
Komisaris Utama
President Commissioner
Pemegang Saham, Para Pemangku Kepentingan serta
Dear Shareholders, Stakeholders and Public
Masyarakat yang terhormat,
Kami senantiasa menghaturkan puji dan syukur kepada
We are grateful to God Almighty for His blessings, for by His
Tuhan Yang Maha Esa atas segala rahmat dan karunia-
grace PT Bank Himpunan Saudara 1906 Tbk (Bank
Nya. Berkat-Nya PT Bank Himpunan Saudara 1906 Tbk
Saudara) in 2009 had an improved with all the hard work
(Bank Saudara) secara umum mengalami perkembangan
from all of Bank Saudara's management and staffs, even
yang cukup baik, dengan kerja keras segenap jajaran Bank
though Indonesia faced 2009 with burdensome challenge
Saudara walaupun kondisi perekonomian yang dihadapi
as an effect of prolonged global crisis.
Indonesia tahun 2009 mengalami tantangan berat, sebagai
dampak krisis global yang melanda perekonomian dunia
yang berkepanjangan.
Pertumbuhan ekonomi Indonesia ternyata mampu
The Indonesia's economic growth apparently showed an
menunjukan perkembangan yang baik yang ditunjukkan
optimistic improvement which was indicated by
oleh indikator-indikator ekonomi makro, antara lain
macroeconomic indicators such as the slow growth of
perlambatan laju inflasi yang mendorong Bank Indonesia
inflation which encouraged Bank of Indonesia to decrease
menurunkan suku bunga acuan kurs BI sebanyak 8 kali ke
its interest rate 8 times to the lowest level of 6.50%, which
tingkat terendah pada tingkat 6,50% yang berdampak
ultimately affected the liquidity constriction in the financial
melonggarnya likuiditas sektor keuangan. Kinerja
sector. The performance of national banking was still
perbankan nasional masih cukup baik walaupun sempat
relatively good, even though they had tight money liquidity
mengalami pengetatan likuiditas di awal tahun 2009. Kredit
in the beginning of 2009. The banking credit had grew by
perbankan yang mengalami pertumbuhan
9% to become Rp 1.470 trillion which was still below the
sebesar 9%
menjadi Rp. 1.470 triliun berada di bawah pertumbuhan
growth of Third Party Fund which increased by 13% to
Dana Pihak Ketiga (DPK) yang naik sebesar 13% menjadi
become Rp 1,973 trilli