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PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Informasi Tambahan Auxiliary Information
Secara garis besar, pencapaian BNI Syariah didukung kuat oleh sumber daya manusia berkualitas dan komitmen untuk mengusung nilai hasanah. Broadly speaking, the achievement of BNI Syariah is highly supported by qualified human resources and commitment to carry out the value of hasanah.
Upholding The Spirit of Hasanah
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Management Reports
366
Profil Dewan Pengawas Syariah Sharia Supervisory Board Profile
372
Pejabat Eksekutif Executive Officers
375
Jaringan Kantor Cabang Branch Offices
378
Jaringan Kantor Cabang Mikro Micro Branches
389
Corporate Social Responsibility
Profil Direksi Board of Directors Profile
Good Corporate Governance
362
Management Discussion and Analysis
Profil Dewan Komisaris Board of Commissioners Profile
Operational and Business Review
Auxiliary Information
Company Profile
Informasi Tambahan
Auxiliary Information
Upholding The Spirit of Hasanah
362 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Informasi Tambahan Auxiliary Information
Board of Commissioners Profile
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Profil Dewan Komisaris
1. Subarjo Joyosumarto
Komisaris Utama (Independen) President Commissioner (Independent)
Komisaris Commissioner 3
3. Harisman
Komisaris Independen Independent Commissioner
Auxiliary Information
Corporate Social Responsibility
2. Imam Budi Sarjito
Upholding The Spirit of Hasanah
1
2
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Management Reports
Subarjo Joyosumarto
Effectively served as President Commissioner of BNI Syariah
sejak 12 September 2013 sesuai dengan keputusan RUPS
since September 12, 2013 based on the shareholders’ decision
Luar Biasa tanggal 30 Agustus 2013. Beliau memperoleh gelar
in lieu of Extraordinary GMS resolution dated August 30, 2013.
Sarjana Ekonomi dari Universitas Gadjah Mada Yogyakarta,
He earned Bachelor of Economic from Gadjah Mada University,
pada 1968, kemudian meraih gelar Master of Art (M.A) dalam
Yogyakarta, in 1968; Master of Art in International Economics
bidang International Economics dari Department of Economics,
from Department of Economics, University of Colorado, Boulder
University of Colorado, Boulder, Colorado, USA pada 1984, dan
Colorado, USA in 1984; and Doctor of Philosophy in Monetary
melanjutkan studi hingga meraih gelar Doctor of Philosophy
Economics from the same university in 1987. Prior to serving
(Ph.D), bidang Monetary Economics, dari universitas yang
as Commissioner of BNI Syariah, he served as Independent
sama, pada 1987. Sebelum menjabat sebagai Komisaris Utama
Commissioner of Bank BTN since May 2008. He also served as
(Independen) BNI Syariah beliau menjabat sebagai Komisaris
President Director of Indonesian Banking Development Institute,
Independen Bank BTN sejak Mei 2008. Beliau juga menjabat
since January 2007.
Direktur Utama - Lembaga Pengembangan Perbankan Indonesia (LPPI) sejak Januari 2007.
Computer Programmer and System Analyst until 1981. In 1987,
1981. Pada 1987 melanjutkan karir di Bank Indonesia dan
he continued his career in Bank Indonesia and served as Staff
pernah menjabat Staf Gubernur Bank Indonesia dengan tugas
of BI Governor with a special task as the Head of Financial and
khusus sebagai Pimpinan Proyek Liberalisasi Sektor Keuangan
Banking Sector Liberalization Project which resulted in Banking
dan Perbankan yang menghasilkan Paket Liberalisasi Keuangan
Financial Liberalization Package of October 1988 (PAKTO 88).
Perbankan bulan Oktober 1988 (PAKTO 88). Jabatan terakhir
The last position in BI was Deputy Governor, which responsible
di Bank Indonesia adalah Deputi Gubernur, bertanggung jawab
for Banking Restructurization, Banking Development and
atas Restrukturisasi Perbankan, Pengembangan dan Pengaturan
Management, Supervision of SOE’s Bank and Sharia Banking
Perbankan, Pengawasan Bank-Bank BUMN dan Pengembangan
Development. He has also served as Executive Director - The
Perbankan Syariah. Beliau juga pernah menjabat sebagai
South East Asia Central Banks (SEACEN) Research and Training
Executive Director - The South East Asia Central Banks (SEACEN)
Centre and as Chairman of Board of Supervisory Directors of
Research and Training Centre dan sebagai Chairman of Board
Bank Indover, Amsterdam, Holland. He had taught economics
of Supervisory Directors dari Bank Indover di Amsterdam,
and monetary at bachelor and post-graduate courses in several
Belanda. Beliau sempat mengajar mata-kuliah ekonomi dan
universities of Jakarta and published dozens of papers and
moneter di program S1 dan S2, di sejumlah perguruan tinggi di
speeches covering Monetary Economics, Banking Regulation,
Jakarta, serta menerbitkan puluhan makalah dan pidato meliputi
Sharia Banking and Leadership.
Sentralan, Perbankan Syariah dan Kepemimpinan.
Upholding The Spirit of Hasanah
Auxiliary Information
bidang-bidang Ekonomi Moneter, Regulasi Perbankan Ke-bank
Corporate Social Responsibility
He started his banking career in Bank Indonesia in 1971 as
sebagai Computer Programmer dan System Analyst hingga
Good Corporate Governance
Mengawali karir perbankan di Bank Indonesia pada 1971
Management Discussion and Analysis
Indonesian Citizen, born in Cilacap on October 20, 1943.
1943. Efektif menjabat sebagai Komisaris Utama BNI Syariah
Operational and Business Review
Warga Negara Indonesia, dilahirkan di Cilacap, 20 Oktober
Company Profile
Komisaris Utama (Independen) President Commissioner (Indepenent)
364 2014 Performance
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Management Reports
Informasi Tambahan Auxiliary Information
Imam Budi Sarjito
Warga Negara Indonesia, lahir di Semarang, 16 Maret 1959.
Indonesian citizen, born in Semarang on March 16, 1959.
Efektif menjabat sebagai Komisaris BNI Syariah sejak 25
Effectively serves as Commissioner of BNI Syariah since
September 2012 sesuai dengan keputusan RUPS Tahunan untuk
September 25, 2012 in accordance with the resolution of
tahun buku 2011. Beliau memperoleh gelar Sarjana Ekonomi
Annual GMS for financial year 2011. He earned Bachelor
dari Universitas Diponegoro tahun 1982 dan Master di bidang
Degree of Economy from Diponegoro University in 1982 and
Ekonomi dari University of Illinois pada tahun 1990 hingga
Master of Economics from University of Illinois in 1990 and
berhasil memperoleh gelar Doktor di bidang Ekonomi dari
later successfully obtained Doctorate Degree of Economics from
Graduate School of Claremont pada tahun 1995.
Graduate School of Claremont in 1995.
Beliau mengawali karir di PT Bank Negara Indonesia (Persero)
He started his career at BNI as a Trainee at Education & Training
Tbk sebagai trainee di Divisi Pendidikan & Pelatihan pada tahun
Division in 1983, Head of Investment Services Management
1983, Pemimpin Kelompok Pengelolaan Investment Services
Group in 1996 until appointed as Head of Strategic Planning
pada tahun 1996 hingga diangkat sebagai Pemimpin Divisi
Division in 2004.
Perencanaan Strategis pada tahun 2004. Terkait dengan kompetensinya di bidang Perbankan, beliau
Regarding competency in banking sector, he actively participated
aktif mengikuti berbagai pelatihan dan memperoleh beberapa
in several trainings and obtained number of certificates such as
sertifikasi misalnya, Program Pendidikan Pelatihan Manajemen
General and Pension Fund Management Training Program Batch
Umum Dana Pensiun Angkatan LXXIII yang diadakan oleh
LXXIII held by Indonesian Pension Fund Association in 2010, Risk
Asosiasi Dana Pensiun Indonesia tahun 2010, Sertifikasi
Management Competency Test by BSMR in 2011, Competency
Uji Kompetensi Manajemen Risiko oleh BSMR tahun 2011,
Assessor Workshop held by Banking Professional Certification
Workshop Asesor Kompetensi yang diadakan oleh Lembaga
Institute in 2011 and Risk Bases Bank Rating (RBBR) Panel
Sertifikasi Profesi Perbankan tahun 2011 serta Diskusi Panel Risk
Discussion: Banking Challenge in Overcoming Global Crisis by IBI,
Bases Bank Rating (RBBR): Tantangan Perbankan Menangani
LKDI & Perbanas in 2012.
Krisis Global oleh IBI, LKDI & Perbanas pada tahun 2012.
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Komisaris Commissioner
Upholding The Spirit of Hasanah
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Management Reports
Harisman
23, 1952. Effectively serves as Commissioner of BNI Syariah since
(Independen) BNI Syariah sejak 14 Juni 2012 melalui keputusan
June 14, 2012 in accordance with the resolution of Extraordinary
RUPS Luar Biasa tanggal 2 April 2012. Beliau memperoleh gelar
GMS dated April 2, 2012. He earned Bachelor Degree of
Sarjana Ekonomi dari Universitas Gadjah Mada pada tahun 1972
Economy from Gadjah Mada University in 1972 and Master of
dan Master of Arts di bidang Ekonomi dari William College,
Arts in Economy from William College, United States in 1985.
Amerika Serikat pada tahun 1985. Beliau memulai kariernya di
He started his career in Bank Indonesia as Small and Cooperative
Bank Indonesia sebagai Staf utusan Kredit Koperasi dan Kredit
Loan Delegated Staff in 1979 and later appointed as Deputy of
Kecil pada tahun 1979, hingga kemudian menjabat sebagai
Banking Management & Research Affairs in 1998–2001 until
Wakil Kepala Urusan Penelitian & Pengaturan Perbankan pada
finally appointed as Director of Sharia Banks Supervisory Board of
tahun 1998-2001 sebelum akhirnya diangkat sebagai Direktur
Bank Indonesia in 2003.
Direktorat Perbankan Syariah Bank Indonesia pada tahun 2003. In 2008 he served as Steering Committee in LPPI and SBM ITB in
LPPI dan SBM ITB pada tahun 2009. Saat ini beliau juga
2009. Currently, he also served as ASBISINDO Honored Member.
menjabat sebagai Anggota Dewan Kehormatan ASBISINDO
Regarding competency in banking sector, he actively participated
(Asosiasi Perbankan Syariah Indonesia). Terkait dengan
on several trainings such as National Seminar of Sharia Economic
kompetensinya di bidang Perbankan, beliau aktif mengikut
Hadits in 2008, “Direction and Outlook of Sharia Banking Policy
berbagai training misalnya Seminar Nasional tentang Hadits-
2012” Year-End Seminar in 2011, as well as Stadium Generale
Hadits Ekonomi Syariah pada tahun 2008, seminar akhir tahun
“The Contemporary Global Economic Crises in Islamic Finance:
tentang Outlook dan Arah Kebijakan Perbankan Syariah, seminar
The Discourse of Paradigm Shift” held by LPPI and Bahrain
Banking and Financial Outlook 2012 pada tahun 2011, serta
Institute of Banking and Finance in 2012.
Stadium Generale “The Contemporary Global Economic Crises in
Good Corporate Governance
Pada tahun 2008 beliau diangkat sebagai Steering Committee
Management Discussion and Analysis
Indonesian citizen, born in Baturaja, South Sumatera on October
Selatan, 23 Oktober 1952. Efektif menjabat sebagai Komisaris
Operational and Business Review
Warga Negara Indonesia, dilahirkan di Baturaja, Sumatera
Company Profile
Komisaris Independen Independent Commissioner
Islamic Finance: The Discourse of Paradigm Shift” yang diadakan tahun 2012.
Corporate Social Responsibility
oleh LPPI dan Bahrain Institute of Banking and Finance pada
Auxiliary Information
Upholding The Spirit of Hasanah
366 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Informasi Tambahan Auxiliary Information
Board of Directors Profile
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Profil Direksi
1. Dinno Indiano
Direktur Utama President Director
Corporate Social Responsibility
2. Imam Teguh Saptono
Direktur Bisnis Business Director
3. Acep Riana Jayaprawira
Direktur Risiko dan Kepatuhan Risk and Compliance Director
Auxiliary Information
4. Junaidi Hisom
4
Direktur Operasional Operations Director
Upholding The Spirit of Hasanah
2
1 3
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Management Reports Company Profile
Dinno Indiano
Syariah sejak 25 September 2012 sesuai dengan keputusan RUPS
25, 2012 in accordance with the resolution of Annual GMS for
Tahunan untuk tahun buku 2011. Ia memperoleh gelar Sarjana
financial year 2011. He earned his Bachelor Degree in Economics
Ekonomi dari Universitas Padjajaran, Bandung tahun 1985.
from the University of Padjadjaran, Bandung in 1985.
Memulai karirnya di Bank Niaga sebagai Executive Development
Started his career at Bank Niaga as Executive Development
Program pada tahun 1986 dan menempati berbagai posisi
Program in 1986 and held various positions until 2000, such
jabatan hingga tahun 2000, di antaranya sebagai pemimpin
as Solo and Semarang branch leader (1992-1997), Remedial
cabang Solo dan Semarang (1992-1997), Remedial Management
Management Head (1997-1998) and served as Commissioner
Head (1997-1998) hingga dipercaya menjabat sebagai Komisaris
at the Niaga Management Company. Joined Bank Danamon in
Niaga Management Company. Tahun 2000 ia bergabung
Jakarta in 2000 as the Jakarta Commercial Centre Head then
dengan Bank Danamon sebagai Jakarta Commercial Centre
later become the Regional Manager as the Head of Eastern
Head, kemudian dipercaya sebagai Regional Manager hingga
Indonesia before ending his career at Bank Danamon in 2005
menjabat sebagai Head of Eastern Indonesia, karirnya di Bank
with his last position as Commercial Early Warning Head.
Danamon diakhiri pada tahun 2005 dengan jabatan terakhir
Simultaneously, starting in 2005, he served as the President
sebagai Commercial Early Warning Head. Berturut-turut mulai
Commissioner of PT Bank Swaguna and President Director of PT
tahun 2005 dipercaya menjabat sebagai Presiden Komisaris PT
Bank Kesawan from 2006 until 2010. In 2010 he was entrusted
Bank Swaguna, dan Presiden Direktur PT Bank Kesawan sejak
by BNI to become the Head the Intermediary Division and Head
tahun 2006 hingga tahun 2010. Tahun 2010 beliau dipercaya
of the Small & Medium Enterprises Division in 2012; later he was
oleh Bank BNI untuk memimpin Divisi Usaha Menengah sebagai
appointed as President Director of Bank BNI Syariah during the
Pemimpin, dan Divisi Usaha Menengah & Kecil pada tahun 2012,
same year.
hingga akhirnya ditunjuk sebagai Direktur Utama Bank BNI Syariah di tahun yang sama. He actively attends a broad range of courses both at domestic
maupun luar negeri, seperti Al Baraka 33rd Symposium on the
and abroad such as Al Baraka 33rd Symposium on the Islamic
Islamic Economics di Jeddah, Selling Skills Asia Pacific yang
Economics in Jeddah, Selling Skills Asia Pacific which was
diselenggarakan oleh Citibank, Advanced Bank Management
organized by Citibank, Advanced Bank Management and
dan Building a Professional Organization di Asian Institute
Building a Professional Organization at the Asian Institute
of Management (AIM) Filipina, serta memperoleh Risk
of Management (AIM) Philippines, and obtained a Risk
Upholding The Spirit of Hasanah
Auxiliary Information
Beliau aktif mengikuti berbagai macam pelatihan baik dalam
Corporate Social Responsibility
1960. He has served as Director of BNI Syariah since September
Good Corporate Governance
Indonesian citizen born in Bloomington, USA on August 19,
Agustus 1960. Efektif menjabat sebagai Direktur Utama BNI
Management Discussion and Analysis
Warga Negara Indonesia dilahirkan di Bloomington, USA, 19
Operational and Business Review
Direktur Utama President Director
368
Informasi Tambahan Auxiliary Information
Management Certification di Singapura tahun 2005. Seminar
Management Certification in Singapore in 2005. He has also
dan pelatihan Perbankan Syariah yang pernah diikuti antara lain
undertaken various training and seminars of Sharia Banking
4th IADI Islamic Deposit Insurance Group Seminar on Islamic
including the 4th IADI Islamic Deposit Insurance Group seminar
Deposit Insurance, Seminar Peranan Perbankan Syariah Dalam
on Islamic Deposit Insurance, Seminar of Sharia Banking’s Role
Menghadapi Krisis Global, serta pelatihan Eksekutif Ushul Fiqh
In the Global Crisis as well as executive training on Ushul Fiqh
Keuangan Syariah Kontemporer yang diberikan oleh Iqtishod
Contemporary Sharia Finance provided by Iqtishod Consulting,
Consulting, serta Executive Distance Learning on Islamic Banking
and Executive Distance Learning on Islamic Banking held by
yang diselenggarakan oleh Karim Consulting.
Karim Consulting.
Selain itu beliau juga aktif menjadi pembicara dalam beberapa
In addition, he was also a speaker in several talk shows and
talkshow dan peserta seminar, di antaranya Dialog Ekonomi
actively participated seminars, among others, including Sharia
Syariah 2014 “Optimisme di Tengah Ketidakpastian Global”
Economic Dialogue 2014 “Optimism Amid Global Uncertainty”
(Maret 2014 oleh Jurnalis Ekonomi Syariah), Talkshow
(held by the Sharia Economic Journalists on March 2014),
“Tantangan Perbankan Syariah di Era Pemerintahan Baru” (Juli
Talkshow of “Sharia Banking Challenges in the Era of the New
2014 oleh Infobank), Talkshow “Tantangan dan Peluang Industri
Government” (held by Infobank on July 2014), Talkshow of
Perbankan dan Keuangan Syariah Menghadapi MEA”, 2nd
“Challenges and Opportunities of Sharia Banking and Finance
ASEAN International Conference on Islamic Finance, dan Seminar
Industry Facing Against MEA”, 2nd ASEAN International
Nasional “Diskursus Penyelesaian Sengketa Perbankan Syariah”
Conference on Islamic Finance, and the National Seminar on
(Oktober 2014 oleh Infobank).
“Discourse of Sharia Banking Dispute Resolution” (held by Infobank on October 2014).
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Corporate Social Responsibility
Good Corporate Governance
Imam Teguh Saptono Direktur Bisnis Business Director
Warga Negara Indonesia, dilahirkan di Jakarta, pada 18
Indonesian citizen, born on November 18, 1969. Serving as
November 1969. Efektif menjabat sebagai Direktur Bisnis BNI
Business Director since October 4, 2012 based on Company’s
Syariah sejak 4 Oktober 2012 berdasarkan Anggaran Dasar
Articles of Association and stated in Act No. 160 dated March
Perseroan dan dinyatakan dalam Akta No. 160 tanggal 22
22, 2010. He earned Bachelor Degree of Agricultural Studies
Maret 2010. Beliau memperoleh gelar Sarjana Pertanian dari
from Bogor Agricultural Institute (IPB) and currently holds
Institut Pertanian Bogor (IPB) dan memperoleh gelar Magister
a Master Degree of Management and Doctoral Degree of
Manajemen serta gelar Doktor dalam bidang Manajemen dan
Management and Business from the same university.
Auxiliary Information
Bisnis di Institut yang sama. Memulai karier sebagai Trainee for Management Instructor di
Started his career as a Trainee for Management Instructor in
PT Garuda Indonesia pada tahun 1992, Bergabung dengan
PT Garuda Indonesia in 1992. Joined with BNI in 1996 at the
BNI tahun 1996 di Divisi Perencanaan Strategis (1996) dan
Strategic Planning Division (1996) and also served as Head of
sempat bergabung dengan Bank Permata sebagai Head of
Investor Relations in Bank Permata (2003-2005) and his last
Investor Relations (2003-2005), hingga jabatan terakhirnya
position was Corporate Secretary of Bank Permata (2007). After
Upholding The Spirit of Hasanah
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Informasi Tambahan Auxiliary Information
serving at Bank Permata, he rejoined BNI in 2007 as Deputy
Bank Permata, beliau kemudian kembali bergabung dengan
of Non Organic Growth Project until 2010 and joined with the
PT Bank Negara Indonesia (Persero) Tbk di tahun 2007 sebagai
Sharia Bank Establishment & Implementation Team in 2009 then
Wakil Koordinator Non Organic Growth Project hingga tahun
later served as Risk and Compliance Director of BNI Syariah since
2010, bergabung dengan Tim Implementasi Pembentukan Bank
June 2010.
Umum Syariah tahun 2009, hingga menjadi Direktur Risiko dan Kepatuhan BNI Syariah sejak Juni 2010.
dalam maupun luar negeri, antara lain pelatihan Introduction
both at domestic and abroad, namely Introduction to Capital
to Capital Market yang diadakan oleh Lehman Brothers di
Market training held by Lehman Brothers in Jakarta and
Jakarta dan Indonesia Capital Market Training Program II di
Indonesia Capital Market Training Program II in New York (1996).
New York (1996), Corporate Secretary & Investor Relations
Corporate Secretary & Investor Relations Course and Introduction
Course dan Introduction to Real Estate Financial Industry (1997),
to Real Estate Financial Industry (1997). Basic Technical Analysis
Basic Technical Analysis Course, Passed CFA Level I, dan Passed
Course, Passed CFA Level I and passed the Investment Manager
Investment Manager (MI) qualification test from Bapepam
(MI) qualification test from Bapepam (1999). Active in the
(1999). Aktif di bidang akademisi sebagai Dosen Magister
academic sector as an Agribusiness Management Master Degree
Manajemen Agribisnis di IPB sejak 1999, dan Universitas
Program Lecturer at IPB since 1999 and Trisakti University
Trisakti (2008-2010) serta lembaga pelatihan lainnya. Beliau
(2008-2010) as well as other training institutions as a Freelance
juga menjadi Freelance Contributor di beberapa jurnal/majalah
Contributor to various banking and agribusiness journals
perbankan dan agribisnis. Aktif di Asbisindo sebagai ketua
and magazines. He is also active in Asbisindo as the External
bidang komunikasi eksternal dan ketua komisi bidang Perbankan
Communication Chairman as well as Banking and Multifinance
dan Multifinace di Masyarakat Ekonomi Syariah (MES).
Commission Chairman for the Sharia Economic Community.
Operational and Business Review
He has also actively participated in several training programs
Company Profile
Beliau juga aktif mengikuti berbagai macam pelatihan baik
Management Reports
sebagai Corporate Secretary Bank Permata (2007). Selepas di
Management Discussion and Analysis
Direktur Risiko dan Kepatuhan Risk and Compliance Director
as Risk and Compliance Director of BNI Syariah since October 4,
Syariah sejak 4 Oktober 2012 berdasarkan keputusan pemegang
2012 based on the shareholders decision in lieu of Extraordinary
saham sebagai pengganti keputusan RUPS Luar Biasa tanggal
GMS resolution dated October 4, 2012. He earned Bachelor
4 Oktober 2012. Beliau memperoleh gelar Insinyur dari Institut
Degree in Engineering from Bandung Institute of Technology
Teknologi Bandung (1986), gelar Magister Sains dari Universitas
(1986), Master Degree in Science from University of Indonesia
Indonesia (2002), dan gelar Doktor Teknologi Industri Pertanian
(2002), and a Doctorate Degree from Bogor Agricultural Institute
dari Institut Pertanian Bogor (2010).
(2010).
Upholding The Spirit of Hasanah
Auxiliary Information
Indonesian citizen, born in Medan on February 24, 1963. Serving
efektif menjabat sebagai Direktur Risiko dan Kepatuhan BNI
Corporate Social Responsibility
Warga Negara Indonesia yang lahir di Medan, 24 Februari 1963,
Good Corporate Governance
Acep Riana Jayaprawira
370
Company Profile
Management Reports
2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Informasi Tambahan Auxiliary Information
Beliau memulai kariernya sebagai engineer PT Astra Internasional
Started his career in the manufacturing sector as an Engineer in
dan PT Federal Motor (1986-1988), selanjutnya berkarir di Divisi
PT Astra Internasional and PT Federal Motor (1986–1988) and
Corporate Banking Bank Duta (1989-1994), sebelum menduduki
later continued his career in Bank Duta in the Corporate Banking
beberapa jabatan di PT Bank Muamalat Indonesia dengan
Division (1989–1994) before serving in several positions at PT
jabatan terakhir Kepala Divisi Supervisi dan Support Pembiayaan.
Bank Muamalat Indonesia with his final position as Head of
Kemudian beliau menempati beberapa posisi penting antara
Supervision and Financing Support Division. Later he served in
lain Direktur Administrasi dan Treasury PT PNM Venture
various key positions namely at PT PNM Venture Capital (1999-
Capital (1999-2005), Direktur Perencanaan, Pengembangan
2005) Planning, Development and Information Director, General
dan Informasi, Direktur Umum & Sumber Daya Manusia di PT
Affairs and HR Director at PT Jamsostek (Persero) (2005-2007);
Jamsostek (Persero) (2005-2007); Presiden Direktur PT Score
President Director of PT Score Consulting Indonesia (2008-2010);
Consulting Indonesia (2008-2010); Komisaris Independen PT
Independent Commissioner of PT Persada Ventura Syariah (2008-
Persada Ventura Syariah (2008-2010); hingga akhirnya diangkat
2010); and later appointed as Commissioner of BNI Syariah in
menjadi Komisaris BNI Syariah pada bulan Juni 2010-2012. Sejak
June 2010–2012. Since October 2012 he served as Risk and
Oktober 2012 menjabat sebagai Direktur Risiko dan Kepatuhan
Compliance Director at BNI Syariah.
During his career, he has also participated in various training
Operational and Business Review
sertifikasi, antara lain Strategi Penanganan Kredit Bermasalah
and certification program namely Non-Performing Loan
(1996); Advance Project Finance Course dan Financial
Handling Strategy (1996); Advance Project Finance Course and
Modelling in Project Finance Euromoney Training di Sydney
Financial Modelling in Project Finance, Euromoney Training
(1997). Pelatihan ISO 9000 Awareness, Documentation and
in Sydney (1997). ISO 9000 Awareness, Documentation and
Implementation Course dan ISO 9000 Quality system, Internal
Implementation Course and ISO 9000 Quality system, Internal
Quality Auditor’s Course (2000). Seminar on Social Security in
Quality Auditor’s Course (2000); Seminar on Social Security
Asia di Singapore (2005); Studi banding tentang Jaminan Sosial
in Asia in Singapore (2005); Social Security Benchmarking in
di Malaysia (2007); dan Seminar Prospek Investasi di Bangkok
Malaysia (2007); and Investment Prospect Seminar in Bangkok
(2007).
(2007).
Di tahun 2014, beliau mengikuti berbagai pelatihan dan
In 2014, he participated in various training and certification
sertifikasi, antara lain Public Lecture ICEIF; The Emerging Product
program, among other, Public Lecture ICEIF; The Emerging
with Tremendeous Potential dan Seminar Internasional OJK &
Product with Tremendeous Potential and International Seminar
Perbanas; Literacy for Women & SMEs. Tak hanya itu, beliau
of OJK (Financial Services Authority/FSA) & Perbanas; Literacy for
juga aktif mengajar di School of Business & Management ITB, di
Women and SMEs. In addition, he also actively gives lectures at
Program Magister Ekonomi Syariah di Universitas Trisakti, dan di
School of Business & Management ITB, at Trisakti University for
Fakultas Teknik UIN Syarif Hidayatullah Jakarta.
the Sharia Economic Master’s Degree, and at Engineering Faculty of UIN Syarif Hidayatullah.
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Selama kariernya, ia juga aktif mengikuti berbagai pelatihan dan
Management Discussion and Analysis
BNI Syariah.
Upholding The Spirit of Hasanah
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Management Reports
Junaidi Hisom
Director of BNI Syariah based on the resolution of Annual GMS
Tahunan untuk tahun buku 2013 dan efektif menjabat sejak 9
for the financial year 2013 and effectively serves since December
Desember 2013. Beliau memperoleh gelar Sarjana Ekonomi di
9, 2013. He earned Bachelor Degree in Management Economics
bidang Manajemen dari Universitas Sriwijaya tahun 1989 dan
from Sriwijaya University in 1989 and a Master of Management
Magister Manajemen dari STIE IPWI, Jakarta tahun 1998.
Degree from STIE IPWI, Jakarta in 1998.
Beliau memulai karirnya di PT Bank Negara Indonesia (Persero)
He started his career at PT Bank Negara Indonesia (Persero) Tbk
Tbk pada tahun 1992 sebagai Koordinator Kredit Cabang
in 1992 as Credit Coordinator at the Palembang Branch Office
Palembang hingga diangkat sebagai Vice President Divisi Human
until he was appointed as Vice President of Human Capital
Capital tahun 2010. Selanjutnya beliau menjabat sebagai Vice
Division in 2010. Later, he served concurrently as Organizational
President Divisi Organizational Learning merangkap sebagai
Learning Vice President and Head of the Human Capital Division
pemimpin Divisi Human Capital pada tahun 2011.
in 2011.
Pelatihan yang diikuti selama beberapa tahun terakhir, antara
Within the last few years, he also participated in the Pension
lain beliau mengikuti Pendidikan & Pelatihan Manajemen Umum
Fund General Management Training (2011) and 3.0 Leading
Dana Pensiun (2011) dan 3.0 Leading Culture Transformation
Culture Transformation Customer Corporate Culture is The New
Customer Corporate Culture is The New Competitive Advantage
Competitive Advantage (2012). On behalf of his dedication and
(2012). Atas usaha dan kerja kerasnya selama ini, ia mendapat
commitment, he has been awarded several awards such as:
beberapa penghargaan, yaitu Predikat “Dengan Pujian” pada
“Summa Cum Laude” at Bank Officials and Staff College Batch
Sekolah Staff dan Pimpinan Bank Angkatan 48 (2008), Individual
48 (2008); Individual Reward for the Semester II of 2003 (2004);
Reward Semester II Tahun 2003 (2004), Individual Reward
Individual Reward for Semester I of 2003 (2003); Executive
Semester I Tahun 2003 (2003), Executive Distance Learning
Distance Learning on Islamic Banking Financial Statements
on Islamic Banking Financial Statements Analysis Training oleh
Analysis Training by KARIM Business Consulting; Certificate of
KARIM Business Consulting, Sertifikat Uji Kompetensi Bidang
Banking Risk Management Competency Test (BSMR) Level 5 by
Manajemen Risiko (BSMR) Perbankan Level 5 oleh Lembaga
Banking Professional Certification Agency; Year-End Seminar
Sertifikasi Profesi Perbankan, Seminar Akhir Tahun Perbankan
of Sharia Banking 2013 by Bank Indonesia; and Discussions
Syariah 2013 oleh Bank Indonesia, dan Diskusi mengenai
regarding the State and Private Strategic Data Recovery in
Penyelamatan Data Strategis Negara dan Privat dalam Mitigasi
Disaster Mitigation, the event was organized by the State
Bencana, acara diselenggarakan oleh Sekretariat Negara
Secretariat of the Republic of Indonesia. In 2014, he attended
RI. Di tahun 2014, pelatihan yang diikuti beliau antara lain
trainings, among others, the Seminar of Employee Union of BNI
Seminar Serikat Pekerja BNI dan Seminar APMK Bank Indonesia
and Seminar of APMK Bank Indonesia “Implementation of Card
“Penyelenggaraan Alat Pembayaran dengan Menggunakan
and e-Money-based Payment Instruments”.
Kartu & Uang Elektronik”.
Upholding The Spirit of Hasanah
Auxiliary Information
Direktur Operasional BNI Syariah berdasarkan keputusan RUPS
Corporate Social Responsibility
of BNI Syariah since 2012 until he was appointed as Operations
Good Corporate Governance
January 1, 1958. Serving as Chief Operating and Financial Officer
Financial Officer sejak 2012 hingga akhirnya diangkat menjadi
Management Discussion and Analysis
Indonesian citizen, born in Semangus, South Sumatera, on
Selatan, 1 Januari 1958. Menjabat sebagai Chief Operating and
Operational and Business Review
Warga Negara Indonesia, dilahirkan di Semangus, Sumatera
Company Profile
Direktur Operasional Operations Director
372 2014 Performance
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Sharia Supervisory Board Profile
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Profil Dewan Pengawas Syariah
1. KH Ma’ruf Amin Ketua Chairman
2
Anggota Member
1
Auxiliary Information
Corporate Social Responsibility
2. DR Hasanudin M. Ag.
Upholding The Spirit of Hasanah
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Informasi Tambahan Auxiliary Information
Management Reports Company Profile
KH Ma’ruf Amin
Indonesian citizen, born in Tangerang, Banten, on March 11,
11 Maret 1943. Menjabat sebagai Dewan Pengawas Syariah
1943. Serving as Sharia Supervisory Board since June 19, 2010
BNI Syariah sejak 19 Juni 2010 sesuai dengan Akta Pendirian
in accordance with Company’s Extablishment Deed No. 160
Perseroan No. 160 tanggal 22 Maret 2010. Beliau memperoleh
dated March 22, 2010. He earned Bachelor Degree from Faculty
gelar Sarjana dari Fakultas Ushuluddin, Universitas Ibnu Chaldun
of Ushuluddin, Ibnu Chaldun University in 1967 and previously
tahun 1967 serta sebelumnya pernah mengenyam pendidikan di
went to several reputable pesantren in Indonesia.
berbagai pesantren ternama di Indonesia.
member of Baziz DKI Jakarta in 1971. He was also active as Head
juga aktif sebagai Pimpinan Komisi A DPRD DKI Jakarta tahun
of A Commission of DKI Jakarta Regional Legislative Council in
1971-1982, Direktur Lembaga Pendidikan dan Ketua Yayasan
1971-1982, Director of Education Institution and Chairman of
Al-Jihad tahun 1976, menjabat sebagai anggota Pleno Majelis
Al-Jihad Foundation in 1976, served as Pleno Member of Council
Ulama Indonesia (MUI) sejak 1990, Ketua MUI (2005-2013)
of Indonesian Ulama (MUI) since 1990, Chairman of MUI (2005-
dan kini menjabat sebagai Wakil Ketua Umum Pleno MUI sejak
2013) and currently serves as Vice Chairman of MUI since 2014.
2014. Beliau juga pernah terpilih sebagai anggota MPR-RI tahun
He was also appointed as member of People Representative Body
1997-2004, anggota DPR/MPR-RI tahun 1999 dan hingga saat
of Republic of Indonesia in 1997-2004, member of DPR/MPR-RI
ini menjabat sebagai Ketua Harian Dewan Syariah Nasional MUI
in 1999 and currently served as Chairman of National Sharia
(2003-sekarang) dan sebagai anggota Dewan Pertimbangan
Council – MUI (2003-present) and member of President Advisory
Presiden (2007-sekarang).
Board (2007-present).
Corporate Social Responsibility
He started his career as teacher since 1966 and served as
dan menjadi anggota Baziz DKI Jakarta pada tahun 1971. Beliau
Good Corporate Governance
Beliau memulai kariernya sebagai pengajar sejak tahun 1966
Management Discussion and Analysis
Warga Negara Indonesia, dilahirkan di Tangerang, Banten,
Operational and Business Review
Ketua Chairman
Auxiliary Information
Upholding The Spirit of Hasanah
374 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Management Reports
Informasi Tambahan Auxiliary Information
DR Hasanudin M. Ag.
Warga Negara Indonesia, dilahirkan di Cirebon, Jawa Barat,
Indonesian citizen, born in Cirebon, West Java, on March 4,
4 Maret 1961. Menjabat sebagai Dewan Pengawas Syariah
1961. Serving as Sharia Supervisory Board since June 19, 2010
BNI Syariah sejak 19 Juni 2010 sesuai dengan Akta Pendirian
in accordance with Company’s Establishment Deed No. 160
Perseroan No. 160 tanggal 22 Maret 2010. Beliau memperoleh
dated March 22, 2010. He earned BA Degree of Sharia Faculty
gelar Sarjana Muda Fakultas Syariah dari Universitas Islam
from Islam Tribhakti University, Kediri in 1985, Bachelor Degree
Tribhakti, Kediri tahun 1985, Sarjana Fakultas Syariah, Institut
of Sharia Faculty from State Islamic Institute (IAIN, currently
Agama Islam Negeri IAIN (sekarang UIN) Syarif Hidayatullah,
UIN) Syarif Hidayatullah, Jakarta in 1989. He was later obtained
Jakarta tahun 1989. Beliau kemudian memperoleh Magister
Master Degree on Religion, Islamic Studies from IAIN (currently
Agama dalam studi Pengkajian Islam dari IAIN Syarif
UIN) Syarif Hidayatullah, Jakarta in 1997, and obtained Doctorate
Hidayatullah, Jakarta tahun 1997, dan telah menyelesaikan
Degree on Sharia Studies from the same university.
program Doktor dalam studi Pengkajian Syariah dari universitas yang sama. Beliau memulai kariernya di sebagai anggota Tim Ahli LP.POM –
He started his career as member of LP.POM – MUI Expert team
MUI tahun 2006, kemudian menjabat sebagai anggota Komite
in 2006, and later served as Member of Sharia Accounting
Akuntansi Syariah (KAS) – IAI tahun 2006 kemudian hingga
Committee – IAI in 2006 until recently serving as Deputy of
saat ini menjabat sebagai Wakil Sekretaris Badan Pelaksana
Operational Committee Secretary of National Sharia Council
Harian Dewan Syariah Nasional (BPH – DSN). Beliau juga aktif
(BPH – DSN). He was also active on academic activities and once
dalam kegiatan akademik dan pernah menjabat sebagai Dekan
served as Dean of Sharia Faculty at IIQ, Jakarta in 1993 – 1997
Fakultas Syariah IIQ, Jakarta tahun 1993-1997 dan 1999-2002
and 1999 – 2002 as well as serving as Sharia Law Lecturer at
serta menjadi dosen Hukum Islam di UIN dan IIQ hingga saat
UIN and IIQ to the present. He was also actively participated on
ini. Beliau juga aktif mengikuti berbagai seminar dan loka karya
several seminars and workshops on halal products, sharia finance
di bidang produk halal, ekonomi dan keuangan Syariah, baik
and economy aspects both as the speaker or participant, as
sebagai peserta maupun narasumber, serta berpartisipasi aktif
well as actively participated on DSN–MUI fatwa preparation and
dalam penyiapan dan pembahasan fatwa-fatwa DSN–MUI.
discussion.
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Anggota Member
Upholding The Spirit of Hasanah
375 PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
2014 Performance
Informasi Tambahan Auxiliary Information
Pejabat Eksekutif
Management Reports
Excecutive Officers
Company Profile
Operational and Business Review
Management Discussion and Analysis
Good Corporate Governance
Corporate Social Responsibility
Auxiliary Information
Upholding The Spirit of Hasanah
376 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Informasi Tambahan Auxiliary Information
Sektor Direktur Utama
Company Profile
Management Reports
President Director Sector
1. Dinno Indiano Direktur Utama President Director
3. Bimo Hascahyoadi Pemimpin Divisi Komersial & Menengah General Manager Commercial & Small Division
2. Bambang Sutrisno Pemimpin Divisi Sumberdaya Manusia General Manager Human Capital Division
4. Zefri Ananta Pemimpin Divisi Internal Audit General Manager Internal Audit Division
2
3
4
5
5. Wahyu Avianto Pemimpin Divisi Strategi & Keuangan General Manager Strategy & Finance Division
Sektor Bisnis Business Sector
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
1
1
1. Imam Teguh Saptono Direktur Bisnis Business Director
3. Kukuh Rahardjo Pemimpin Divisi Konsumer & Dana General Manager Consumer & Fund Division
2. Moh. Toyib Pemimpin Divisi Tresuri & Internasional General Manager Tresury International Division
4. Juniar Mahameru Pemimpin Divisi Bisnis Kartu General Manager Card Business Division
Upholding The Spirit of Hasanah
2
3
4
5
5. Budi Aristianto Pemimpin Divisi Bisnis Mikro General Manager Micro Business Division
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Sektor Risiko & Kepatuhan Risk & Compliance Sector
Management Reports Company Profile
1
2
3
4
5
6
5. Endang Rosawati Pemimpin Marketing & Komunikasi Perusahaan Head of Marketing & Corporate Communication Desk
2. Bambang Sutrisno Pemimpin Divisi Manajemen Risiko General Manager Enterprise Risk Management Division
4. Bayi Rohayati Pemimpin Divisi Legal, Kepatuhan & Kesekretariatan General Manager Legal, Compliance & Corporate Secretary Division
6. Dade Darmawan Pemimpin Divisi Manajemen Produk General Manager Product Management Division
Management Discussion and Analysis
3. Rudi Haryadi Pemimpin Satuan Kerja Kepatuhan Head of Compliance Desk
Operational and Business Review
1. Acep Riana Jayaprawira Direktur Risiko & Kepatuhan Risk & Compliance Director
Sektor Operasional Operation Sector
Good Corporate Governance
3. Bayi Rohayati Pemimpin Divisi Pembiayaan Khusus General Manager Recovery & Remedial Division
5. Supardi Najamuddin Staf Ahli Expert Staff
2. Tavip Budhy Prihanto Pemimpin Divisi Jaringan & Umum General Manager Network & General Affair Division
4. Adrianto Daru Kurniawan Pemimpin Divisi Operasional General Manager Operational Division
6. Mirza Mantovani Pemimpin Divisi Teknologi Informasi General Manager Information Tecnology Division
6 5
7. Jon Sujani Pasaribu Pemimpin Divisi Risiko Bisnis Komersial & Ritel General Manager Commercial & Retail Business Risk Division
7
Auxiliary Information
1. Junaidi Hisom Direktur Operasional Operational Director
Upholding The Spirit of Hasanah
4 3
Corporate Social Responsibility
2 1
378 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Informasi Tambahan Auxiliary Information
Management Reports
Jaringan Kantor Cabang Branch Offices
Cabang Branch
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
KANTOR PUSAT
Cabang Branch
Alamat Address Gedung Tempo Pavilion 1, Jl. HR Rasuna Said Kav.11, Kuningan, Jakarta
Alamat Address
Telepon/Faximili Telephone/Facsimile 021 - 29701946
Telepon/Faximili Telephone/Facsimile
YOGYAKARTA
Jl. Kusumanegara No. 112, Umbulharjo Yogyakarta
0274 - 417222, 417555, 450374 Facs. : 0274 - 417111
Bulaksumur
Jl. Bulaksumur Blok H No. 4 Yogyakarta
0274 - 557087 Facs. : 0274 - 557088
Godean
Ruko Pasar Tlogorejo Jl. Godean Km 4,5 Modinan Banyuraden-Gamping-Sleman Yogyakarta
0274 - 626464 Facs. : 0274 - 626725
Kaliurang
Jl. Kaliurang Km 5 No. 35 Kelurahan Caturtunggal Kecamatan Depok Yogyakarta
0274 - 581642 / 43 Facs. : 0274 - 581641
Bantul
Jl. Jend. Sudirman No.156 Bantul, Yogyakarta
0274 - 6469050 / 100 Facs. : 0274 - 6469044
Dr. Yap
RS Mata Dr. YAP, Jl. Cik Ditiro No. 5 Yogyakarta
0274 - 554144 Facs. : 0274 - 550163
FE UII
Jl. Pawiro Kuat No. 146 Condong Catur, Sleman Yogyakarta
0274 - 4477513 Facs. : 0274 - 4477512
RS PKU Muhammadiyah
Jl. KH. Ahmad Dahlan No.20, Yogyakarta
0274 - 565118 Facs. : 0274 - 560957
PEKALONGAN
Masjid Syuhada, Jl.Pemuda No.52-54 Pekalongan
0285 - 434918, 434919 Facs. : 0285 - 434920
Tegal
Jl. Mayjend. Sutoyo No. 22 Tegal
0283 - 340715 Facs. : 0283 - 340716
SEMARANG
Jl. Jend. Ahmad Yani No.152 Semarang
024 - 8313247, 8315027 Facs. : 024 - 8313217
Universitas Sultan Agung Semarang (UNISULA)
Komplek Kampus UNISULA Jl. Raya Kaligawe Km. 4 Semarang
024 - 6592916 Facs. : 024 - 6592915
Ungaran
Jl. Diponegoro No.222A Ungaran, Semarang
024 - 6922005 Facs. : (024) 6921990
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Management Reports
Cabang Branch
Alamat Address
Telepon/Faximili Telephone/Facsimile
MALANG
Jl. Jaksa Agung Suprapto No. 48 Malang
0341 - 359129, 359130 Facs. : 0341 - 359128
Batu
Jl. Agus Salim No.9, Kelurahan Sisir, Kecamatan Batu, Kota Batu, Malang
0341 - 590145 Facs. : 0341 - 590146
Pasuruan
Jl. Panglima Sudirman No. 32 A-B, Pasuruan
0343 - 415017 Facs. : 0343 - 415018
Kepanjen
Jl. Jend. A. Yani No. 31 Kel. Kepanjen, Kec. Kepanjen Kabupaten Malang
0341 - 395746 Facs. : 0341 - 394746
BANJARMASIN
Jl. Jend. Ahmad Yani Km. 4 No. 385 Banjarmasin
0511 - 3259146, 3256946, Facs. : 0511 - 3251346
Sungai Danau
Jl. Propinsi Km 166 No. 162 Kelurahan Sungai Danau Kec. Satui, Kab. Tanah Bumbu Kalimantan Selatan
0512 - 61746 Facs. : 0512 - 61239
Batulicin
Jl. Raya Batulicin No. 160, RT 004 RW 01, Kelurahan Kampung Baru, Kecamatan Simpang Empat, Kabupaten Tanah Bumbu
0518 - 71146 Facs. : 0518 - 70724
JAKARTA TIMUR
Komplek Graha Mas Pemuda, Blok AB1 dan AB2 Jl. Pemuda, Rawamangun Jakarta - Timur
021 - 47882680 / 81 / 82 / 83 Facs. : 021 - 47882684 / 85
Kalimalang
Jl. Kalimalang Blok N No.12/H12 Jakarta - Timur
021 - 86607205 Facs. : 021 - 86607206
Cibubur
Jl. Lapangan Tembak Blok P No. 14 Ruko Cibubur Indah 2, RT 002/07 Kel. Kelapa Dua, Kec. Ciracas Jakarta – Timur
021 - 8719423, 87712018 Facs : 021-8719424
Cililitan
Jl. Cililitan Besar No. 72 E Kelurahan Cililitan, Kecamatan Kramat Jati Jakarta - Timur
021 - 80873844, 80873846 Facs. : 021 - 80873845
Otista
Jl. Raya Otista No. 109, RT 015 RW 009, Kelurahan Bidara Cina, Kecamatan Jatinegara, Jakarta Timur
021 - 85914784, 85914348 Facs. : 021 - 85902841
Upholding The Spirit of Hasanah
Auxiliary Information
024 - 7463850 Facs. : 024 - 7463861
Corporate Social Responsibility
Jl. Durian Selatan I No. 6, Kelurahan Srondol Wetan, Banyumanik, Semarang
Good Corporate Governance
Hidayatullah
Management Discussion and Analysis
024 - 6590607
Operational and Business Review
Komplek RSI Unisula, Jl. Raya Kaligawe Km. 4 Semarang
Company Profile
Teaching Hospital
380 2014 Performance
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Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Cabang Branch
Alamat Address
Telepon/Faximili Telephone/Facsimile
Buaran
Jl. Buaran Raya Blok A No. 99, Kelurahan Klender, Kecamatan Duren Sawit, Jakarta Timur
021 - 86601462 Facs. : 021 - 86608780
RS Haji Jakarta
Jl. Raya Pondok Gede No.4, Jakarta Timur
021 - 80879824 Facs. : 021 - 80879823
FATMAWATI
Jl. RS Fatmawati No. 30 C – 30 D Kelurahan Cilandak Barat, Kecamatan Cilandak Jakarta - Selatan
021 -7696807 / 7696808 / 75902925 / 75902930 / 75902934 Facs. : 021 - 75902899 / 75902983
UIN Syarif Hidayatullah
Kampus UIN Syarief Hidayatullah Jl. Ir. H. Juanda - Ciputat Jakarta - Selatan
021 - 74416484 Facs. : 021 - 74716485
Tebet
Jl. Tebet Raya No. 7 RT 020/001 Blok A Persil 1 C Kel. Tebet Barat, Kec. Tebet Jakarta - Selatan
021 - 83708688 Facs. : 021 - 83785894
Bintaro Veteran
Jl. RC Veteran No. 17 A RT 04/12 Kelurahan Bintaro Kecamatan Pesanggrahan Jakarta - Selatan
021 - 73691167 Facs. 021 - 73880336
Cilandak
Jl. Cilandak KKO No. 5 C RT 014 RW 008 Kelurahan Ragunan Kecamatan Pasar Minggu Jakarta - Selatan
021-78848838 Facs. : 021-7800295
Panglima Polim
Jl. Panglima Polim Raya No.71, Kelurahan Melawai, Kecamatan Kebayoran Baru, Jakarta Selatan
021 - 7394908 Facs. : 021 - 7250894
Kalibata
Jl. Raya Pasar Minggu, RT 01 RW 07 Nomor 6B, Kelurahan Kalibata, Kecamatan Pancoran, Jakarta Selatan
021 - 7940222 Facs. : 021 - 7940111
Juanda Ciputat
Jl. Ir. H. Juanda RT 004 RW 08 No. 75 AA dan 75 BB Kel. Cireundeu, Kec. Ciputat Timur
021 - 7412177, 7412060 Facs. : 021 - 7413933
BANDUNG
Jl. Buah Batu No.157 C Bandung
022 - 7314546, 7323142, 7323143 Facs. : 022 - 7323141
Cigondewah
Taman Kopo Indah II Ruko Blok B 1 No.18 Desa Rahayu Kec.Marga Asih Kab. Bandung
022 - 5425718 Facs. : 022 - 5423031
Dago
Jl. Ir. H. Djuanda No. 298 Bandung
022 - 2517512 / 2517514 Facs. : 022 - 2504946
Suropaticore
Komplek Perkantoran Suropaticore Blok B No. 8 Jl. PHH Mustofa No. 39 Kel. Pasir Layung, Kec. Cibeunying Kidul Bandung
022 - 87242796 Facs. : 022 - 87242791
Cimahi
Jl. Raya Cibabat No. 444 Kel. Cibabat, Kec. Cimahi Utara Cimahi
022 - 6645546 Facs. : 022 - 6645660
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Cabang Branch
Alamat Address
Telepon/Faximili Telephone/Facsimile
Jl. Belakang Olo No. 45 Padang
0751 - 841818, 841819 Facs. : 0751 - 841808
Bandar Buat
Jl. Rimbo Datar RT 003 RW 02 Kelurahan Bandar Buek Kecamatan Lubuk Kilangan Padang
0751 - 779371 Facs. : 0751 - 779372
Gajah Mada
Jl. Gajah Mada No.21, Kel. Kampung Olo, Kec. Nanggalo Padang
0751 - 7055522 Facs. : 0751 - 7055521
RS Yarsi
Jl. Gajah Mada, Gunung Pangilun, Padang
0751 - 445419 Facs. : -
MAKASSAR
Jl. Andi Pangeran Pettarani Komp.Ruko Business Center Sardony No.1/2, Panakukkang Makassar
0411 - 421188, 443558, 421388 Facs. : 0411 - 443890
Gowa
Jl. K.H. Wahid Hasyim No. 248B Sungguminasa Kab. Gowa
0411 - 881167, 862802 Facs. : 0411 - 881167
Latimojong
Jl. Gunung Latimojong Komplek Ruko Metro Square Blok E No. 1 Makassar
0411 - 3620237, 3626255 Facs. : 0411 - 3623752
RS Ibnu Sina YBW UMI
Jl. Urip Sumoharjo KM. 5 No.264 Makassar
0411 - 453695 / 453696
Universitas Indonesia Timur (UIT)
Jl. Abdul Kadir No.70, Kelurahan Jongaya, Kecamatan Tamalate, Makassar
0411 - 8120952 Facs. : 0411 - 8120953
MEDAN
Jl. Kapten Maulana Lubis No. 12 Medan
061 - 4559520, 4559521 Facs. : 061 - 4522608
Katamso
Jl. Brigjend Katamso No. 672 A Kampung Baru Medan
061 - 7873020 Facs. : 061 - 7320002
Binjai
Pertokoan Maju Bersama Blok A No.3, Jl. Sukarno-Hatta Binjai Timur.
061 - 8830585 Facs. : 061 - 8829976
Pusat Pasar Medan
Jl. Pasar Pusat No. 160, Kec. Medan Kota, Kel. Pusat Pasar, Medan
061 - 4574541 Facs. : 061 - 4574569
PALEMBANG
Jl. Jendral Sudirman KM 3,5, Kelurahan 20 Ilir, Kecamatan Ilir Timur I, Kota Palembang, Sumatera Selatan
0711 - 315999, 310751 Facs. : 0711 - 310752
Lubuk Linggau
Jl. Yos Sudarso No. 18, Lubuk Linggau
0733 - 322274 Facs. : 0733 - 323707
Demang
Jl. Demang Lebar Daun No. 507 EF Palembang
0711 - 358123, 358120 Facs. : 0711 - 358201
Upholding The Spirit of Hasanah
Auxiliary Information
PADANG
Corporate Social Responsibility
022 - 7796301 Facs. : 022 - 7796299
Good Corporate Governance
Jl. Raya Jatinangor No.100, Kelurahan Cibeusi, Kecamatan Jatinangor, Kabupaten Sumedang
Management Discussion and Analysis
Jatinangor
Operational and Business Review
022 - 2007951 Facs. : -
Company Profile
Jl. Gegerkalong Girang No. 32D, RT 01 RW 06, Kelurahan Isola, Kecamatan Sukasari, Bandung
Management Reports
Daarut Tauhid
382 2014 Performance
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Corporate Social Responsibility
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Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Cabang Branch
Alamat Address
Telepon/Faximili Telephone/Facsimile
BENDUNGAN HILIR
Jl. Bendungan Hilir Raya No. 84 A - B Jakarta Pusat
021 - 57851054 - 56 Facs. : 021 - 57851038
Kementerian Agama RI
Gedung Departemen Agama Jl. Lapangan Banteng Barat No. 3-4 Jakarta Pusat
021 - 3518875, 3518902 Facs. : 021 - 3518902
Mahkamah Agung
Gedung Mahkamah Agung Jl. Medan Merdeka Utara No.9-13, Jakarta Pusat
021 - 3840382 Facs. : 021 - 3448031
Jakarta Pusat
Bank BNI JPU Lantai 2 Jl. Jend.Sudirman Kav.1 Jakarta
021 - 5729751 Facs. : 021 - 2511207
Tempo Pavilion
Gedung Tempo Pavilion 1 Jl. HR. Rasuna Said Kav. 11, Kuningan Jakarta
021 – 29701839 – 40 Facs. : 021 – 29667945
Sekretariat Mahkamah Agung
Jl. Jend. A. Yani Kav. 58 Cempaka Putih Timur Jakarta - Pusat
021 - 29079326 Facs. : 021 - 29079325
Kramat
Jl. Salemba Raya No.19, Kelurahan Paseban, Kecamatan Senen, Jakarta Pusat
021 - 39831015, 39831016
Roxy
Jl. KH. Hasyim Ashari No.56, Kelurahan Duri Pulo, Kecamatan Gambir, Jakarta Pusat
021- 63858699, 63858713 Facs. : 021 - 63858699
Mampang
Ruko Mampang Square, Jalan Warung Buncit No. 88 Blok A4, Tegal Parang, Mampang Prapatan Jakarta Selatan
021 - 79189210 Facs. : 021 - 79189201
SURABAYA
Jl. Bukit Darmo Boulevard No. 8A – 8B Surabaya
031 - 7328840, 7329870, 7327350 Facs. : 031 - 7385678
Rajawali
Jl. Rajawali No.68 Surabaya
031 - 3529328 Facs. : 031 - 3520691
Diponegoro
Jl. Raya Diponegoro No. 54 C Kelurahan Darmo Kecamatan Wonokromo Surabaya
031 - 5660773 Facs. : 031 - 5660769
Sidoarjo
Jl. Gajah Mada No. 179 Kelurahan Bulu Sidokare Kecamatan Sidoarjo Kabupaten Sidoarjo
031 - 8074530 Facs. : 031 - 8074531
Gresik
Jl. Panglima Sudirman No. 93-A Ruko Kavling 01 Desa Sidokumpul Kecamatan Gresik Kabupaten Gresik
031 - 3989087 Facs. : 031 - 3989092
Mojokerto
Jl. Mojopahit No. 428-430, Kelurahan Kranggan, Kecamatan Prajuritkulon, Mojokerto
0321 - 390123 Facs. : 0321 - 383456
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Jl. Maharaja Indra No.35, RT 001 RW 010, Kecamatan Pangkalan Kerinci, Kelurahan Pangkalan Kerinci Kota, Kabupaten Pelawan, Riau
0761 - 493018 Facs. : 0761 - 493138
UIN SUSKA
Universitas Islam Negeri Sultan Syarif Kasim, Gedung Fakultas Pertanian dan Peternakan Jl. HR Soebrantas No.155 KM 18, Simpang Baru Panam, Pekanbaru
0761 - 563862 0761 - 8312781
CIREBON
Jl. Sisingamangaraja No. 28 Cirebon
0231 - 246063, 246064, 246065, 246102, 246104 Facs. : 0231 - 246105
Plered
Jl. Ir. Juanda No.36, Kelurahan Tengah Tani, Kecamatan Cirebon Barat, Cirebon
0231 - 224078 / 321401 Facs. : 0231 - 224077
SURAKARTA
Jl. Slamet Riyadi No. 318, Kelurahan Sriwedari, Kecamatan Laweyan Surakarta
0271 - 742555, 725222 Facs. : 0271 - 736718
Sragen
Komplek Atrium Plaza Blok F Jl. Raya Sukowati No. 302-304 Sragen
0271 - 891999 Facs. : 0271 - 894600
Klaten
Jl. Pemuda No.11, Kecamatan Bareng, Klaten
0272 - 321199 Facs. : 0272 - 329409
BOGOR
Jl. Raya Pajajaran no.63, Bogor
0251 - 8337306, 8337620 8337687, 8337828, 8349308 Facs. : 0251 - 8384968, 8374284
Tajur
Jl. Raya Tajur No.88 D, Bogor
0251 - 8392871 Facs. : 0251 - 8353662
Cibubur Country
Ruko Cibubur Country No. 6 Cikeas - Nagrak, Cibubur Kabupaten Bogor
021 - 82481025 Facs. : 021 - 82481024
Cibinong
Perum Graha Kartika Pratama, Ruko F No.10, Kelurahan Bojong Baru, Kecamatan Bojong Gede, Bogor
021 - 87990504 Facs. : 021 - 87990505
Sentul
Komplek Mall Bellanova Country Blok RK 1, Kavling No. 5, Kelurahan Cipambuan, Kecamatan Babakan Madang, Bogor
021 - 87923972 Facs. : 021 - 87923972
Upholding The Spirit of Hasanah
Auxiliary Information
Pangkalan Kerinci
Corporate Social Responsibility
0761 - 563286 Facs. : 0761 - 563291
Good Corporate Governance
Jl. HR Subrantas No. 5 C Kelurahan Tuah Karya Kecamatan Tampan Pekanbaru
Management Discussion and Analysis
Panam
Operational and Business Review
0761-859694, 859695, 859697, 859698 Facs. : 0761- 839837 / 859819
Company Profile
Jl. Jend.Sudirman No. 484, Kel Jadirejo Kec Sukajadi, Kota Pekanbaru
Management Reports
PEKANBARU
384 2014 Performance
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Company Profile
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Operational and Business Review Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility
Telepon/Faximili Telephone/Facsimile
BALIKPAPAN
Jl. Jend. Sudirman No. 30 Markoni, Balikpapan
0542-738668, 737734, 731354, 443436 Facs. : 0542-737733
Balikpapan Baru
Ruko Balikpapan Baru Blok D2 No. 3 RT 048 Kel. Damai, Kec. Balikpapan Selatan Balikpapan
0542 - 876897 Facs. : 0542 - 876898
JAKARTA UTARA
Jl. Boulevard Raya QA.I/1 Kelapa Gading, Jakarta Utara
021 - 4500695, 4500694, 45841585 Facs. : 021 - 4514121
Pasar Koja
Jl. Kramat Jaya No. 20 Blok 3-4 Jakarta - Utara
021 - 4410569
Jl. Enggano No. 40 A Kelurahan Tanjung Priok Kecamatan Tanjung Priok Jakarta – Utara
021 - 43937444, 43938666 Facs. : 021 - 43938444
Harco Mangga Dua
Komplek Harco Agung Sedayu Blok D No. 5 Jl. Mangga Dua Raya Kelurahan Mangga Dua Selatan Kecamatan Sawah Besar Jakarta - Pusat
021 - 6124416, 6124417 Facs. : 021 - 6126576
Cempaka Mas
Rukan Graha Cempaka Mas Blok C No. 30, Jakarta - Pusat
021 - 42876847, 42876852 Facs. : 021 - 42876837
Sunter
Rukan Komplek Griya Inti Sentosa Blok A1 No.34, Sunter, Jakarta Utara
021 - 6451107
Kawasan Berikat Nusantara Cakung
Komplek Bisnis Centre KBN Cakung Jl. Jawa Blok A 14-1 dan A 14-2 Jakarta Utara
021 - 29376635 Facs. : 29376618
RSIJ Sukapura
Jl. Tipar Cakung No. 5 Sukapura Jakarta Utara
082817053579 / 80
RS Pelabuhan Jakarta
Jl. Kramat Jaya, Tanjung Priok Jakarta Utara
021 - 4408488 Facs. : 021 - 4403899
BUMI SERPONG DAMAI
Jl. Pahlawan Seribu ITC BSD No. 33A - 35, Tangerang
021 - 53153155, 53153144-46 Facs. : 021 - 53161611
Cimone
Jl.Merdeka Raya No.21 D Cimone Tangerang
021 - 5533898, 5533884 Facs. : 021 - 5524337
Jl. Boulevard Gading Serpong Blok BA-2 No. 23 Ruko Financial Centre Gading Serpong Kelurahan Pakulonan Barat Kecamatan Kelapa Dua Kabupaten Tangerang
021 - 54212514 Facs. : 021 - 5461380
Ruko Kebayoran Arcade Bintaro KA Blok C3 No. 50 Jl. Boulevard Bintaro Jaya Sektor 7 Pusat Kawasan Niaga Tangerang - Selatan
021 - 74870863
Enggano
Auxiliary Information
Alamat Address
Gading Serpong
Bintaro Kebayoran Arcade
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Jl. Proklamator No. 136 Kelurahan Bandar Jaya Timur Kecamatan Terbanggi Besar Kabupaten Lampung Tengah
0725 - 528886 Facs. : 0725 - 528887
KEDIRI
Ruko Hayam Wuruk Trade Centre Blok A.5 - A.6, Jl. Hayam Wuruk, Kediri
0354 - 680977, 680966, 680952 Facs. : 0354 - 672627
Madiun
Jl. Mastrip No. 56 Kelurahan Klegen Kecamatan Kartoharjo, Madiun
0351 - 468 777 Facs. : 0351 - 455 587
Jl. Supriyadi No.41, Ruko Nirwana Kelurahan Jepun, Kecamatan Tulungagung, Tulungagung
0355 - 335306 Facs. : 0355 - 322 042
Gudang Garam
Jl. Mataram No.180 Kopkar MEKAR Gudang Garam, Kediri
0354 - 684 830
UNISKA
Jl. Sersan Suharmaji No. 38 Kampus UNISKA, Kediri
0354 - 672186
JEMBER
Jl. Ahmad Yani No. 39 Jember
0331 - 489500 (hunting) Facs. : 0331 - 487617
Banyuwangi
Jl. PB Sudirman, Ruko Pesona Intan No. 5, Banyuwangi
0333 - 419197 Facs. : 0333 - 419198
BANDA ACEH
Jl. Tengku.H.M. Daud Beureuh No.33c Banda Aceh
0651 - 32313, 32314, 32301 Facs. : 0651 - 32317
BEKASI
Komplek Sentra Niaga Jl. Jend. A. Yani Blok A6 No. 3-3A Bekasi
021 - 88962828 Facs. : 021 - 88966464
Jababeka Cikarang
Ruko CBD Blok/Kavling AA3 Blok CD No. 1 Jl. Niaga Raya Kel. Pasir Sari, Kec. Cikarang Selatan Kabupaten Bekasi
021 - 29083856/ 57/ 58/ 59 Facs. : 021 - 29083776
Tambun
Jl. Sultan Hasanudin No. 6A RT 003 RW 003 Kelurahan Mekarsari Kecamatan Tambun Selatan, Bekasi
021 - 88390192, 88390193, 88390194 Facs. : 021 - 88390201
Pondok Gede
Plaza Pondok Gede Ruko Blok A Nomor 01 Kelurahan Jatiwaringin Kecamatan Pondok Gede Bekasi
021 - 84938365 Facs. : 021 - 84979735
Tulungagung
Upholding The Spirit of Hasanah
Auxiliary Information
Bandar Jaya
Corporate Social Responsibility
0721 - 242528, 242517 Facs . : 0721 - 242432
Good Corporate Governance
Jl. Jend.Sudirman No. 62 Kel. Enggal Kec. Tanjung Karang Pusat, Bandar Lampung
Management Discussion and Analysis
TANJUNGKARANG
Operational and Business Review
021 - 74718581 Facs. : 021 - 74718592
Company Profile
OGIE Plaza Jl. Siliwangi No. 8, RT 2 RW 2, Kelurahan Benda Baru, Kecamatan Pamulang, Tangerang Selatan
Management Reports
Pamulang
386 2014 Performance
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Alamat Address
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Harapan Indah
Jl. Bulevar Hijau Raya blok B8/17, Kecamatan Medan Satria, Bekasi
021 - 88982922, 88982873, 88982928 Facs. : 021 - 88983016
BATAM
Jl. Raden Patah No. 67, 69, 71, Baloi, Lubuk Baja, Batam
0778 - 7418200, 7418257, 7418258 Facs. : 0778 - 7418282
Batu Aji
Jl. Batu Aji Komplek Sinar Jaya No. 8 (Depan Pasar Aviari), Batam
0778 - 363723 Facs. : 0778 - 363728
Tanjung Balai Karimun
Komp. Pertokoan Karimun Centre Jl. A. Yani Blok A No. 6 (Kolong) Tanjung Balai Karimun
0777 - 22177 Facs. : 0777 - 22677
JAKARTA BARAT
Ruko Mediterania No. 1, Jl. Meruya Ilir Utara Raya - Kembangan Jakarta - Barat
021 - 5866388, 5865715, 586719 Facs. : 021 - 58901202
Universitas Trisakti
Universitas Trisakti Kampus A Gedung H Lantai Dasar Jl. Kyai Tapa No. 1, Grogol, Jakarta - Barat
021 - 56944271 Facs. : 021 - 56944272
Cengkareng
Ruko Mutiara Taman Palem Blok A5 No.9 Jl. Kamal Raya Lingkar Luar Barat Cengkareng, Jakarta – Barat
021 - 29428933 Facs. : 021 - 29429833
Cileduk
Jl. HOS Cokroaminoto, Ruko CBD Ciledug, Blok A2 no. 1, Tangerang
021 - 73451776 Facs. : 021 - 73451779
CILEGON
Jl. Letjend R. Suprapto No. 25 Cilegon
0254 - 398777, 378793, 378792 Facs. : 0254 - 378704
Serang
Jl. Ahmad Yani No.34, Kel. Cipare, Kec. Serang, Kota Serang
0254 - 222808 Facs. : 0254 - 223484
TANGERANG
Ruko Premium Bisnis Tangerang City Blok A No. 9 Jl. Jend Sudirman, Tangerang
021 – 29239604 (hunting) Facs. : 021 – 29239606
Karawaci
Ruko Mutiara Karawaci Blok B No. 27, Kelurahan Bencongan Indah, Kecamatan Kelapa Dua, Kabupaten Tangerang.
021 - 55653327 Facs. : 021 – 55653328
DEPOK
Jl. Margonda Raya No. 180 Depok
021 - 77210117 (hunting) Facs. : 021 - 77210027
Cinere
Ruko Pasar Segar Cinere, Blok RA 3, Jl. Cinere Raya No. 145, RT 001 RW 008, Kel./Kec. Cinere, Depok
021 - 29503301 Facs. : 021 - 29503302
Ruko Sari Plaza, Jl. Bojongsari No. 1, Kelurahan Bojongsari Sawangan, Depok
0251 - 8614220 Facs. : 0251 - 8614230
Sawangan
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PONTIANAK
Jl. Ir. H Juanda No. 65-66 Pontianak
0561 - 746290, 746291, 746292, 746293, 746294 Facs. : 0561 - 746295
Sintang
Jl. MT. Haryono No.26 C, RT 10 RW 3, Kelurahan Kapuas Kanan Hulu, Sintang
0565 - 21946, 22446
PURWOKERTO
Jl. Jendral Sudirman Timur No. 689 Purwokerto
0281 - 632633, 632301, 634248 Facs. : 0281 - 638882
Cilacap
Jl. S. Parman Ruko Pelangi No.10E, Cilacap
0282 - 520046 Facs. : 0282 - 520014
SURABAYA Dharmawangsa
Jl. Dharmawangsa No. 115 A Surabaya
031 - 5045082, 5045085, 5030222 Facs. : 031 - 5037222
Ngagel
Ruko RMI Blok J.16 Jl.Ngagel Jaya Selatan Surabaya
031 - 5052885/5052886 Facs. : 031-5038088
JAMBI
Jl. Hayam Wuruk No. 73 - 74 Jambi
0741 - 7552571, 7552572, 7552573 Facs. : 0741 - 7552574
DENPASAR
Jl. Gatot Subroto No. 288 A - 288 B, Kelurahan Tonja, Kecamatan Denpasar Utara Denpasar
0361 - 429745 Facs. : 0361 - 429746
MATARAM
Jl. Pejanggik No. 23 Cakranegara Mataram
Hunting : 0370 - 644622 Anak Hunting: 644288, 644471, 622322 Facs. : 0370 - 622246
Masbagik
Jl. Raya Masbagik, Bagikbontong, Desa Paokmotong, Lombok Timur
0376 - 631933 Facs. : 0376 - 631912
BUKITTINGGI
Jl. Jend. Sudirman No. 16 B-C, Kelurahan Tarok Dipo, Kecamatan Guguk Panjang, Kota Bukittinggi
0752-31146 (hunting) Facs. : 0752-22378
Payakumbuh
Jl. Jend. A. Yani No.89 Payakumbuh Sumatera Barat
0752 - 91046 Facs. : 0752 - 90246
Corporate Social Responsibility
0551 - 33315, 23135 Facs. : 0551 - 33317
Good Corporate Governance
Jl. Yos Sudarso No. 9, Kel. Selumit, Kec. Tarakan Tengah Kota Tarakan
Management Discussion and Analysis
Tarakan
Operational and Business Review
0541 - 7771320 Facs. : 0541 - 7771326
Company Profile
Jl. Ir. Juanda No 216 B Samarinda
Management Reports
SAMARINDA
Auxiliary Information
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BENGKULU
Jl. Jenderal Sudirman No. 41-43, RT 09 RW 13, Kelurahan Tengah Padang, Kecamatan Teluk Segera, Bengkulu
0736 - 341996, 341997 Facs. : 0736 - 342760
KARAWANG
Jl. Panatayuda I No 68, Kelurahan Karawang Wetan, Kecamatan Karawang, Karawang
0267 - 8490449 (hunting), 0828-17096715 / 16 / 17 / 18 / 29 / 30 / 31 / 32 Facs. : (0267) 401505
TASIKMALAYA
Jl. Mesjid Agung No. 26, Blok Kaum Kaler, Kelurahan Tawangsari, Kecamatan Tawang, Tasikmalaya
0265 - 2354002, 2354003, 2354006 Facs. : (0265) 2354007
KUDUS
Jl. A.Yani No .23 A-B, Kecamatan Kota, Kabupaten Kudus
0291 - 444894 Facs. : 0291 - 444895
Jepara
Jl. Pemuda No. 2 A Jepara
0291 - 591532 Facs. :0291 - 591532
PALANGKARAYA
Jl. A.Yani No. 59, Kelurahan/Kecamatan Pahandut, Palangkaraya
0536 - 3224862, 3224863, 3224864
BANJARBARU
Jl. A.Yani Km 35,5 Kel. Banjarbaru Utara, Kec. Banjarbaru, Banjarbaru
0511 - 4774939 Facs. : 0511 - 4774939
Banjarbaru
Jl. Ahmad Yani Km.35 Banjarbaru, Banjarmasin
0511 - 4778176 Facs. : 0511 - 4778176
PALU
Jl. Jenderal Sudirman No. 7, Kelurahan Besusu Tengah, Kecamatan Palu Timur, Kota Palu
0451 - 424848, 424244 Facs. : 0451 - 422399
KENDARI
Jl. MT Haryono No. 155, Kelurahan Bende, Kecamatan Mandonga, Kota Kendari
0401 - 3193494 / 3192297 Facs. : 0401 - 3193493
SUKABUMI
Jl. A.Yani no. 29, Kelurahan Gunungparang, Kecamatan Cikole, Sukabumi
0266 - 6247300 Facs. : 0266 - 6247400
Cianjur
Jl. Kyai Haji Abdullah bin Nuh Ruko No. 1-2 Kelurahan Pamoyanan Kecamatan Cianjur Kabupaten Cianjur
0263 - 2292525, 2292426 Facs. : 0263 - 2292387
LHOKSEUMAWE
Jl. Merdeka 25E, Kelurahan Simpang Empat, Kecamatan Banda Sakti, Lhokseumawe
0645 - 47005, 47006 Facs. : 0645 - 47009
Bireuen
Jl.Sultan Iskandar Muda no.5 Kelurahan Meunasah Capa, Kecamatan Kota Juang, Kabupaten Bireuen
0644 - 21841 Facs. : 0644 - 21840
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Management Reports
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Upholding The Spirit of Hasanah
Facs. : 0536 - 3224870
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Jaringan Kantor Cabang Mikro
Cabang Mikro Micro Branches
Management Reports
Micro Branches
Alamat Address
Telepon/Faximili Telephone/Facsimile
0251 - 8341477, 8341400 Facs. : 0251 - 8341433
Cileungsi
Jl. Raya Narogong Ruko Cileungsi Trade Centre Blok E/9 Kelurahan Cileungsi Kidul Kecamatan Cileungsi Kabupaten Bogor
021 - 82481235 Facs. : 021 - 82481233
Citeureup
Jl. Mayor Oking Jayaatmaja No. 21 Ruko Citeureup Indah Kelurahan Puspanegara Kecamatan Citeureup Kabupaten Bogor
021 - 87940441 Facs. : 021 - 87909466
Depok
Jl. Raya Citayam Komplek Pertokoan Kartini Grande 46G Kel. Depok Kec. Pancoran Mas Kota Depok
021 - 77204489 Facs. : 021 - 29503494
Cibinong
Jl. Mayor Oking Jayaatmaja Ruko Erema No.158, Kelurahan Cirimekar, Kecamatan Cibinong, Kabupaten Bogor
021 - 46243939 Facs. : 021 - 87907786
VETERAN MAKASSAR
Jl. Veteran Selatan No. 284 A, Kelurahan Mamajang, Kecamatan Bonto Lebang, Kode Pos 90133, Makassar
0411 - 879365, 879518, 879132
Tamalanrea
Jl. Perintis Kemerdekaan Ruko Parumpa No.8 KM.14 Kelurahan Daya Kecamatan Biringkanaya, Makassar
0411 - 590540
Pangkep
Jl. Kemakmuran Poros Makassar - Parepare KM.51 Kelurahan Mampasaile Kec. Pangkajene, Kab. Pangkep
0410 - 22080
Sungguminasa Gowa
Jl. K.H. Wahid Hasyim No. 248 B Kelurahan Sungguminasa Kecamatan Somba Opu Kab. Gowa 92111
0411 - 861783 0411 - 861791
Bulukumba
Jl. SAM Ratulangi Kelurahan Polewali Kecamatan Gantarang Kabupaten Bulukumba
0413 - 83584
Takalar
Jl. Jend. Sudirman, Kel. Kalabbirang, Kec. Pattallassang,Kab. Takalar
0418 - 2310023, 2310024
Corporate Social Responsibility
Jl. Perintis Kemerdekaan Komplek Pertokoan Merdeka Ruko Blok A No.10, Kel. Kebon Kelapa, Kec. Bogor Tengah, Kab. Bogor
Good Corporate Governance
Bogor Grosir
Management Discussion and Analysis
0251 - 8345225, 8345211 Facs. : 0251 - 8345211
Operational and Business Review
Komplek Ruko 10, Jalan K.H. Sholeh Iskandar Km.6,6 Ruko E, RT 006/003, Kedung Badak, Tanah Sereal, Bogor
Company Profile
BOGOR KEDUNG BADAK
Auxiliary Information
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TELUK BETUNG
Jl. Diponegoro No 6, Kel. Sumur Batu, Kec. Teluk Betung Utara, Kodya Bandar Lampung 35214
0721 - 472651 / 0828 8006 4999, Facs. : 0721 - 472644, 0721 - 472639
Pringsewu
Jl. Ahmad Yani No 196, Pringsewu
0729 23534 / 0828 8009 999 Facs. : 0729 - 23532
Antasari
Jl. Pangeran Antasari No. 126 A, RT 001/ RW 01 Tanjung Baru, Bandar Lampung
0721 - 5600159 / 5600481
Unit 2 Banjar Agung
Jl. Raya Lintas Timur - Unit II Banjar Agung Kab. Tulang Bawang
0726 - 750257 / 0828 8009 1565 Facs. : 0726 - 750256
Bandar Jaya
Jl. Proklamator Kelurahan Bandar Jaya Barat Kecamatan Terbanggi Besar Kabupaten
0725 - 528556 / 0828 8009 1557 Facs. : 0725 - 528866
RUNGKUT
Jl. Raya Kali Rungkut No. 5, Pertokoan Rungkut Megah Raya Blok A-1, Surabaya
031 - 8782609, 8782608
PS Gresik
Ruko Kartini Megah Blok B 2, Jl. RA Kartini No.150-152, Gresik
031 - 3970083
Sunan Ampel
Jl. Nyamplungan No. 189 Surabaya
031 - 3537338
PS Sidoarjo
Jl. Gajahmada No. 179, Sidoarjo
031 - 8075710
PS Babat
Jl. Raya Babat No 125, Babat Lamongan
0322 - 452262
DINOYO
Jl. Raya Tlogomas No 54 Kecamatan Lowokaru Kel. Tlogomas, Malang 65144
0341 - 578589, 2991170, 579488
Batu
Jl. Agus Salim No.9 , Kelurahan Sisir, Kecamatan Batu, Malang
0341 - 512540, 512537
Pakis
Komplek Ruko Pakisjajar Kav. 6, Jl. Raya Pakis Tumpang Kec. Pakis Kab. Malang
0341 - 793731, 793732
Kepanjen
Jl. Akhmad Yani No. 58, Kelurahan Ardirejo, Kabupaten Malang
0341 - 391901, 391889
Malang Kota
Jl. Gatot Subroto No.116, Kelurahan Sukoharjo, Kecamatan Klojen, Malang
0341 - 344135, 344134
Lumajang
Pasar Plaza A , Jalan. PB Sudirman No. 1A, Kota Lumajang, Kel. Lumajang, Kec. Lumajang, Jawa Timur
0334 - 888065
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Cabang Mikro Micro Branches
Upholding The Spirit of Hasanah
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Informasi Tambahan Auxiliary Information
Cabang Mikro Micro Branches
Alamat Address
Telepon/Faximili Telephone/Facsimile
Genteng
Jl. Diponegoro 22 A Kec. Genteng Kel. Genteng Kulon Kota Banyuwangi
0333 - 844277
Ambulu
Jl. Ahmad Yani 59, Ambulu, Jember
0336 - 883346
Kencong
Jl. Krakatau No.45 Kencong Jember Dusun Krajan RT.005/RW.012 No.45, Desa Kencong Kecamatan Kencong Kabupaten Jember, Jawa Timur
0336 - 321942, 321930
PANAM ARENGKA
Ruko Panam Raya Permai No. 83 Jl.H.R Soebrantas KM 8.5 RT 05/02 Kel. Delima Kec. Tampan, Pekanbaru 28294
0761 - 563804, 587556, 563944
Flamboyan Bangkinang
Jl. Raya Flamboyan Kota Garo Blok B No.01 Desa Tanjung Sawit Kecamatan Tapung Kabupaten Kampar
0762 - 7320110, 7320111
Pekanbaru Kota
Jl. Jend. A. Yani No.21 B Kelurahan Sago Kecamatan Senapelan Pekanbaru
0761 - 23288
Gunung Raya Kandis
Jl. Raya Pekanbaru-Duri KM 73 No.46 Kelurahan Simpang Belutu Kecamatan Kandis Kabupaten Siak
082883038213, 082883038212
Kota Duri
Jl. Jend. Sudirman No.32 Kelurahan Air Jamban Kecamatan Mandau Kabupaten Bengkalis
0765 - 560203
Ujung Batu
Jl. Jenderal Sudirman No.1 RT.03/RW.10 Desa Ujung Batu Kecamatan Ujung Batu Kabupaten Rokan Hulu
0762 - 7363016, 7363412
KOTA BATURAJA
Jl. Let. R Hamidi No. 30 RT 03 RW 01 Kec. Baturaja Timur Kab. Ogan Komering Ulu Kode pos 32100
0735-324888, 323333, 325522, 325554
Martapura
Jl. Pangeran Diponegoro - Kab. Oku Timur, Kec. Martapura, Kel. Pasar Martapura, Tanjung Aman Martapura
0735 - 481688, 481128
Gumawang Belitang
Jl. Pasar Baru - Kab. Oku Timur Kec. Gumawang Belitang
0735 - 451151, 0735 - 451152
Prabumulih
Jl. Jenderal Sudirman - Kel. Muaradua Kec. Prabumulih Timur, Kodya Prabumulih
0713 - 3300002, 3300003
Tugu Mulyo Kayu Agung
Jl. Lintas Timur - Kab. OKI, Kec. Lempiung Desa Tugumulyo
0712 - 331218, 331237
Batumarta
Jl. Poros Psr. Gotong Royong Rt. 014 Rw. 006 Desa Batumarta II Kecamatan Lubuk Raja Kabupaten Ogan Komering Ulu
0735 - 7328345, 7328321
Corporate Social Responsibility
0332 - 423660
Good Corporate Governance
Jl. KH Wahid Hasim 208, Bondowoso, Jember
Management Discussion and Analysis
Bondowoso
Operational and Business Review
0331 - 413426, 413421, 413428 Facs. : 0331-413422
Company Profile
Komplek Ruko Gajah Mada Square No. A10 RT 01 RW 10, Jl. Gajah Mada No. 187, Jember 68131
Management Reports
TANJUNG JEMBER
Auxiliary Information
Upholding The Spirit of Hasanah
392 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Informasi Tambahan Auxiliary Information
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Cabang Mikro Micro Branches
Alamat Address
Telepon/Faximili Telephone/Facsimile
LUBUK LINGGAU
Jl. Yos Sudarso RT 03 Kel. Watervang Kec. Lubuk Linggau Kab. Musi Rawas
0733 - 7329614 / 15 / 16 / 23
Tebing Tinggi
Jl. Letda Abubakardin Kel. Pasar Tebing Tinggi Kec. Tebing Tinggi Kab. Empat Lawang
0702 - 21897
Tugu Mulyo Linggau
Jl. Jenderal Sudirman Kelurahan F Trikoyo Kecamatan Tugu Mulyo Kabupaten Musi Rawas
0733 - 371772 / 79
Muara Beliti
Jl. Lintas Sumatera Komp. Green Residence Kelurahan Pasar Muara Beliti Kecamatan Muara Beliti Kabupaten Musi Rawas
0733 - 7002555
Pagar Alam
Jalan Kapten Sanaf Kelurahan Pagar Alam Kecamatan Pagar Alam Kotamadya Pagar Alam
0730 - 622610
Muara Enim
Jl. Jend Sudirman Kel. Pasar III Talang Jawa Kecamatan Muara Enim
0734 - 423232, 423230
ASTANA ANYAR
Jl. Kopo No.61 A Kelurahan Panjunan Kecamatan Astana Anyar, Bandung 40242
022 - 5209654, 5209768
Sumedang
Jl. Raya Bandung-Sumedang No.98, Kecamatan Tanjungsari, Kabupaten Sumedang
022 - 7914763
Kopo Sayati
Jl. Raya Kopo Bihbul No.24A RT02 Kel Margahayu Tengah Kec Margahayu Kab. Bandung 40225
022 - 5419446
Pagaden Subang
Jl. Raya Ahmad Yani Kampung Kaum RT 16 RW 05 Desa Pagaden Kecamatan Pagaden Kab Subang
0260 - 451460
Antri Cimahi
Jl. Raya Cibabat Nomor 106 RT.02 RW.12 Kelurahan Cibabat Kecamatan Cimahi Utara Kota Cimahi
022 - 6647852
KM.12 PALEMBANG
Jl. Sultan Mahmud Badaruddin II Km.12 RT 14/03 Simpang Kades Kel.Sukodadi Kec. Sukarami Kota Palembang 30154
0711 - 5645022, 5645021, 5645023
Sungai Lilin
Jl. Palembang Jambi Km.111 RT.017/RW.04 Kelurahan Sungai Lilin Kecamatan Sungai Lilin Kabupaten Musi Banyuasin
0714 - 331222, 321295
Betung
Jl. Raya Palembang-Betung RT.29 RW.07 Kel. Rimba Asam Kec. Betung Kab. Banyuasin 30758
0711 - 519521, 511545
Babat Toman
Jl. Palembang Linggau Dusun II Kel. Toman Kec. Babat Toman Kab. Musi Banyuasin 30752
0714 - 3311015, 331016
Plaju
Jl. Gub. H.Bastari No. 25 RT.09 RW. 01 Kel 8 Ulu Kec.Seberang Ulu 1, Palembang
0714 - 321295, 331222
Pangkalan Balai
Jl. Merdeka Ruko No.2 RT.22/RW.05 Pangkalan Balai Kelurahan Kedondong Raye, Kecamatan Banyuasin III Kabupaten Banyuasin Sumatera Selatan
0711 - 891042, 891466
Upholding The Spirit of Hasanah
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Informasi Tambahan Auxiliary Information
Cabang Mikro Micro Branches
Alamat Address
Telepon/Faximili Telephone/Facsimile
Jl. Masbagik Bagikbontong Kec Masbagik ( Bengkel Las Budi Suci ) 83661
0376 - 631026, 631068
Tanjung
Jl. Raya Sokong Tanjung Kec.Tanjung Lombok Utara 83352 (sebelah dealer Honda )
0370 - 6131485, 6139583
Selong
Jl. TGKH M.Zainuddin Abdul Majid Kelurahan Pancor Kec.Selong Kab Lombok Timur 83612
0376 - 2927005, 2927027
KOTA JAMBI
Jl. Rd. Mataher No. 33 RT.10 Kelurahan Orang Kayo Hitam Kecamatan Pasar Jambi
0741 - 7555174, 7555194, 7555274 (GA), 7554914
Rimbo Bujang
Jl. Pahlawan Kelurahan Wiroto Agung Kecamatan Rimbo Bujang Kabupaten Tebo
0747 - 31377
Singkut
Jl. Lintas Sumatera Desa Bukit Tigo RT 03/RW 01, Kecamatan Singkut Kabupaten Sarolangun
082882087115
Pamenang
Jl. Lintas Sumatera KM. 32 Komplek Ruko Baru Simpang Pasar Pamenang Kecamatan Pamenang Kabupaten Merangin
0747 - 331040
Kuamang Kuning
Jl. Batanghari RT.09/RW.03 Desa Purwasari Kec. Pelepat Kabupaten Bungo
0747 - 7326026, 7326027
KOTA BENGKULU
Jl. Semangka RT.15/RW.05, Kel.Panorama Kec. Singaran Pati, Kota Bengkulu
0736 - 347932, 347963
Ipuh Mukomuko
JL. Fatmawati Desa Pulai Payung Kec. Ipuh Kab. Mukomuko
0737 - 61170/61167
Giri Kencana Ketahun
Jl. Flamboyan Desa Giri Kencana Kecamatan Ketahun Kabupaten Bengkulu Utara
0737 - 7524211 / 12
Seluma
Jl. Merdeka Raya Kelurahan Lubuk Lintang Kecamatan Seluma Kabupaten Seluma
0736 - 9125, 91236
Ampera Manna
Jl. Jend. Sudirman Kelurahan Pasar Mulia Kecamatan Pasar Manna Kab.Bengkulu Selatan
0739 - 22226/22230
KOTA KENDARI
Jl. Syech Yusuf No. 12 Kecamatan Mandonga Kelurahan Korumba Kota Kendari
0401 - 3131317, 3131318, 3131319
Muna
Jl. Sukowati Kelurahan Butung-butung Kecamatan Katobu Kabupaten Muna
0403 - 2523479, 2523480
Kolaka
Jl. Dr. Sutomo No. 11 Kelurahan Lamokato Kecamatan Kolaka Kabupaten Kolaka
0405 - 2323152
Baubau
Jl. Bataraguru No. 40 Kelurahan Wajo Kecamatan Murhum Kota Baubau
0405 - 2823129, 2822263
Lasusua
Jl. Protokol No. 1B Lasusua, Kecamatan Lasusua, Kabupaten Kolaka Utara, Sulawesi Tenggara
0821 8902 5196 / 0819 3530 0796
Upholding The Spirit of Hasanah
Auxiliary Information
Masbagik
Corporate Social Responsibility
0370 - 655025, 655287
Good Corporate Governance
Jl. Jend Sudirman No 10B Praya Lombok Tengah 83511
Management Discussion and Analysis
Praya
Operational and Business Review
0370 - 643937, 643183, Area 0370 - 643271, 643721
Company Profile
Jl. Panca Usaha No. 08 Cakranegara Mataram 83231
Management Reports
MATARAM
394 2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report Informasi Tambahan Auxiliary Information
Alamat Address
Telepon/Faximili Telephone/Facsimile
TERNATE
Jl. Hasan Esa No.79B, Kel. Takoma, Kec. Ternate Tengah, Kota Ternate, Maluku Utara, 97714
0921 - 3122162 / 0921 - 3122141 / 0921 - 3122169
Jailolo
Jl. Mohammad Hatta, Desa Hetabicara, Kec. Jailolo, Kab. Halmahera Barat
0922 - 2221314 / 0922 - 2221340
Tobelo
Jl. Bhayangkara Dusun IV RT 003, Desa Gamsungi, Kec. Tobelo, Kab. Halmahera Utara
0924 - 2622117 / 0924 - 2621322
Morotai
Jl. Kampung Cina, Desa Daruba, Kec. Morotai Selatan, Kab. Pulau Morotai
0923 - 2221167 / 0923 - 2221399
Labuha
JL. Raya Labuha, Kel. Labuha, Kec. Bacan, Kab.Halmahera Selatan
0927 - 2321746 / 0927 - 2321846
BIMA
Jl. Soekarno Hatta No 53 - 55 Kel. Pane, Kec. Rasanae Barat, Kota Bima, Provinsi Nusa Tenggara Barat, Kode Pos 84119
0374 - 44447, 44443, 44433, 44461
Dompu
Jl. Mawaadi No 3 Kel. Potu, Kec. Dompu, Kab. Dompu, Provinsi Nusa Tenggara Barat
0373 - 22322, 22112
Sumbawa Besar
Jl. Udang No 10a Kel. Seketeng Sumbawa Besar, Kab. Sumbawa, Provinsi Nusa Tenggara Barat
0371 - 625078, 625073
Sape
Jl. Raya Pelabuhan Sape, Kecamatan Sape, Kabupaten Bima, Provinsi Nusa Tenggara Barat
0374 - 71070, 71058
PALOPO
Jl. Andi Jemma No.150, Kel. Tompotikka, Kec. Wara, Kota Palopo, Sulsel 91911
0471 - 327432, 327225, 327360, 325571
Belopa
Jl. Topoka No. 4, Kel. Tampumia Radda, Kec. Belopa, Kabupaten Luwu, Provinsi Sulawesi Selatan, Kode Pos 91994
0471 - 3314405, 3314244
Masamba
Komp. Ruko Pasar Sentral Masamba No.A13-A14, Kel. Baliase, Kec. Masamba, Kab. Luwu Utara, Sulawesi Selatan
0473 - 21247, 21254
Tomoni
Jl. Trans Sulawesi, Kel. Beringin Jaya, Kec. Tomoni, Kab. Luwu Timur, Kode Pos 92972 - 92973
0473 - 25044, 25124
Sengkang
Jl. Bau Mahmud No. 18 Kelurahan Teddaopu Kecamatan Tempe Kota Sengkang
0485 - 324234
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
Management Reports
Cabang Mikro Micro Branches
Upholding The Spirit of Hasanah
395
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
2014 Performance
Accountability Statement of Annual Report 2014 The Annual Report including Financial Statements and other
yang terkait merupakan tanggung jawab Direksi dan Dewan
related informations are the responsibility of the Board of
Komisaris PT Bank BNI Syariah dan dijamin kebenarannya
Directors and Board of Commissioners of PT Bank BNI Syariah
oleh seluruh anggota Direksi dan Dewan Komisaris dengan
and have been verified by every member of the Board of
membubuhkan tanda tangannya masing-masing di bawah ini.
Directors and Board of Commissioners by signing below.
Jakarta, 23 Februari 2015
Jakarta, February 23, 2015
Business and Operational Review
Dewan Komisaris Board of Commissioners
Company Profile
Laporan Tahunan berikut Laporan Keuangan dan informasi lain
Management Reports
PERnYATAAN PERTANGGUNGJAWABAN ATAS LAPORAN TAHUNAN 2014
Subarjo Joyosumarto
Harisman
Komisaris Commissioner
Komisaris Utama (Independen) President Commissioner (Independent)
Komisaris Independen Independent Commissioner
Direksi Board of Directors
Management Discussion and Analysis
Imam Budi Sardjito
Good Corporate Governance
Dinno Indiano Corporate Social Responsibility
Direktur Utama President Director
Acep Riana Jayaprawira
Junaidi Hisom
Direktur Bisnis Business Director
Direktur Risiko dan Kepatuhan Risk and Compliance Director
Direktur Operasional Operations Director
Upholding The Spirit of Hasanah
Auxiliary Information
Imam Teguh Saptono
396
Management Reports
2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Referensi Kriteria Penilaian Annual Report Award 2015 Reference of Annual Report Award 2015 Criteria
Referensi Kriteria Penilaian Annual Report Award Reference of Annual Report Award Criteria Halaman Page
Management Discussion and Analysis
Business and Operational Review
Company Profile
Materi & Penjelasan I.
Umum
1.
Laporan tahunan disajikan dalam bahasa Indonesia yang baik dan benar dan dianjurkan menyajikan juga dalam bahasa Inggris.
2.
Laporan tahunan dicetak dengan kualitas yang baik dan menggunakan jenis dan ukuran huruf yang mudah dibaca.
√
Laporan tahunan mencantumkan identitas perusahaan dengan jelas.
√
3.
√
Annual report is printed in good quality and and use readable font type and size.
Name of the company and year of the annual report is placed on: 1. The front cover; 2. Sides; 3. Back cover; and 4. Each page.
Laporan tahunan ditampilkan di website perusahaan.
II.
Ikhtisar Data Keuangan Penting
1.
Informasi hasil usaha perusahaan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun.
√
Annual report is uploaded in the company’s website. Summary of Key Financial Information
8
Informasi memuat antara lain: 1. Penjualan/pendapatan usaha; 2. Laba (rugi); 3. Total laba (rugi) komprehensif; dan 4. Laba (rugi) per saham.
Good Corporate Governance
Annual report is presented in good and correct Indonesian and it is also recommended to present the report in English.
Annual report should state clearly the identity of the company.
4.
Information of company’s operating results in comparative form over a period of 3 (three) financial years or since the commencement of business if the company has been running its business activities for less than 3 (three) years. The information contained includes: 1. Operating sales/revenue; 2. Profit (loss); 3. Total comprehensive profit (loss); 4. Profit (loss) per share.
Informasi posisi keuangan perusahaan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun.
8
Informasi memuat antara lain: 1. Jumlah investasi pada entitas asosiasi; 2. Jumlah aset; 3. Jumlah liabilitas; dan 4. Jumlah ekuitas. 3.
Information of company’s financial position in comparative form over a period of 3 (three) financial years or since the commencement of business if the company has been running its business activities for less than 3 (three) years. The information contained includes: 1. Total investment in associates; 2. Total assets; 3. Total liabilities; 4. Total equity.
Rasio keuangan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika perusahaan tersebut menjalankan kegiatan usahanya selama kurang dari 3 (tiga) tahun.
9
Auxiliary Information
Corporate Social Responsibility
General
Nama perusahaan dan tahun annual report ditampilkan di: 1. Sampul muka; 2. Samping; 3. Sampul belakang; dan 4. Setiap halaman.
2.
Subject & Explanation
Upholding The Spirit of Hasanah
Financial ratios in comparative form over a period of 3 (three) financial years or since the commencement of business if the company has been running its business activities for less than 3 (three) years.
397
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
2014 Performance Management Reports
Referensi Kriteria Penilaian Annual Report Award Reference of Annual Report Award Criteria Halaman Page
Materi & Penjelasan
Share price information in tables and charts.
1. Informasi dalam bentuk tabel yang memuat: a. Jumlah saham yang beredar; b. Kapitalisasi pasar; c. Harga saham tertinggi, terendah, dan penutupan; dan d. Volume perdagangan. 2. Informasi dalam bentuk grafik yang memuat paling kurang harga penutupan dan volume perdagangan saham.
1. Information in form of tables which contain: a. Total of outstanding shares; b. Market capitalization; c. Highest, lowest, and closing price; and d. Trading volume. 2. Information in form of charts which contain at least share closing price and trading volume.
Untuk setiap masa triwulan dalam 2 (dua) tahun buku terakhir.
For every quater in the latest 2 (two) fiscal years.
Informasi mengenai obligasi, sukuk atau obligasi konversi yang masih beredar dalam 2 (dua) tahun buku terakhir.
N/A
Information on outstanding bonds, sukuk or convertible bonds in the latest 2 (two) fiscal years. Information contains: 1. Total outstanding bonds/sukuk/convertible bonds; 2. Yield/interest rate; 3. Maturity date; and 4. Bonds/sukuk rating.
III.
Laporan Dewan Komisaris dan Direksi
The Board of Commissioners’ and Board of Directors’ Report
1.
Laporan Dewan Komisaris.
20-29
2.
Contains the following items: 1. Assessment on the performance of the Board of Directors in managing the company and the basis of assessment; 2. View over the prospects of the company’s business which set by the Board of Directors and its basis of consideration; 3. Assessment on the performance of committees under the Board of Commissioners; and 4. Changes in the composition of the Board of Commissioners (if any). 30-37
Laporan Direksi.
Contains the following items: 1. Analysis of company’s performance, which includes, among others, strategic policies, comparison between achievement of results and targets, and challenges faced by the company; 2. Analysis of business prospects; 3. Implementation of corporate governance; and 4. Changes in the composition of the Board of Directors (if any).
Corporate Social Responsibility
Memuat hal-hal sebagai berikut: 1. Analisis atas kinerja perusahaan, yang mencakup antara lain kebijakan strategis, perbandingan antara hasil yang dicapai dengan yang ditargetkan, dan kendala-kendala yang dihadapi perusahaan; 2. Analisis tentang prospek usaha; 3. Penerapan tata kelola perusahaan; dan 4. Perubahan komposisi anggota Direksi dan alasan perubahannya (jika ada).
The Board of Directors’ Report.
Good Corporate Governance
Memuat hal-hal sebagai berikut: 1. Penilaian atas kinerja Direksi mengenai pengelolaan perusahaan dan dasar penilaiannya; 2. Pandangan atas prospek usaha perusahaan yang disusun oleh Direksi dan dasar pertimbangannya; 3. Penilaian atas kinerja komite-komite yang berada di bawah Dewan Komisaris; dan 4. Perubahan komposisi anggota Dewan Komisaris dan alasan perubahannya (jika ada).
The Board of Commissioners’ report.
Management Discussion and Analysis
Informasi memuat: 1. Jumlah obligasi/sukuk/obligasi konversi yang beredar; 2. Tingkat bunga/imbalan; 3. Tanggal jatuh tempo; dan 4. Peringkat obligasi/sukuk.
Operational and Business Review
5.
N/A
Informasi harga saham dalam bentuk tabel dan grafik.
Company Profile
4.
Subject & Explanation
Auxiliary Information
Upholding The Spirit of Hasanah
398
Management Reports
2014 Performance
PT Bank BNI Syariah Laporan Tahunan 2014 Annual Report
Referensi Kriteria Penilaian Annual Report Award Reference of Annual Report Award Criteria Halaman Page
Materi & Penjelasan Tanda tangan anggota Direksi dan anggota Dewan Komisaris.
395
Memuat hal-hal sebagai berikut: 1. Tanda tangan dituangkan pada lembaran tersendiri; 2. Pernyataan bahwa Direksi dan Dewan Komisaris bertanggung jawab penuh atas kebenaran isi laporan tahunan; 3. Ditandatangani seluruh anggota Direksi dan anggota Dewan Komisaris dengan menyebutkan nama dan jabatannya; dan 4. Penjelasan tertulis dalam surat tersendiri dari yang bersangkutan dalam hal terdapat anggota Direksi atau anggota Dewan Komisaris yang tidak menandatangani laporan tahunan, atau: penjelasan tertulis dalam surat tersendiri dari anggota yang lain dalam hal tidak terdapat penjelasan tertulis dari yang bersangkutan. IV.
Profil Perusahaan
1.
Nama dan alamat perusahaan. Informasi memuat antara lain nama dan alamat, kode pos, no. Telp, no. Fax, email, dan website.
2.
Riwayat singkat perusahaan. Mencakup antara lain: tanggal/tahun pendirian, nama, dan perubahan nama perusahaan (jika ada).
3.
Bidang usaha.
Signatures of the members of the Board of Directors and the Board of Commissioners. Contains the following items: 1. Signatures are appended in separated sheet; 2. Statemen that the Board of Directors and the Board of Commissioners are fully responsible for the authenticity of the annual report; 3. Signed by all members of the Board of Directors and the Board of Commissioners by stating name and position; and 4. Written statement in separate letter if there is member of the Board of Directors and the Board of Commissioners who do not sign the annual report, or: written statement in separate letter from other members if there is no written statement from the relevant member. Company Profile
40-41
42
43-56
Uraian mengenai antara lain: 1. Kegiatan usaha perusahaan menurut anggaran dasar terakhir;
Name and address of the company. Includes information on name and address, zip code, telephone and/or facsimile, email, and website. Brief history of the company. Includes among others: date/year of establishment, name and changes in the company name (if any). Business lines. The description includes: 1. Business activities of the company according to recent articles of association; 2. Conducted business activities; and 3. Products and/or services produced.
2. Kegiatan usaha yang dijalankan; dan 3. Produk dan/atau jasa yang dihasilkan. 4.
Struktur Organisasi. Dalam bentuk bagan, meliputi nama dan jabatan paling kurang sampai dengan struktur satu tingkat di bawah Direksi.
64-65
Organizational structure. In form of chart, which includes names and titles at least up to the one level below the Board of Directors.
5.
Visi dan Misi Perusahaan.
58-59
Company’s Vision and Mission.
Mencakup: 1. Visi perusahaan; 2. Misi perusahaan; dan 3. Keterangan bahwa visi dan misi tersebut telah disetujui oleh Direksi/Dewan Komisaris. 6.
Identitas dan riwayat hidup singkat anggota Dewan Komisaris.
Includes: 1. Company’s vision; 2. Company’s mission; and 3. Statement that the company’s vision and mission have been approved by the Board of Directors/Board of Commissioners. 362-365
Informasi memuat antara lain: 1. Nama; 2. Jabatan (termasuk jabatan pada perusahaan atau lembaga lain); 3. Umur; 4. Pendidikan; 5. Pengalaman kerja; 6. Tanggal penunjukkan pertama kali sebagai anggota Dewan Komisaris.
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
3.
Subject & Explanation
Upholding The Spirit of Hasanah
Brief identity and curriculum vitae of the members of the Board of Commissioners. The information should contain: 1. Name; 2. Position (including the position in other company or institution); 3. Age; 4. Education; 5. Work experience; 6. Date of first appointment as the member of the Board of Commissioners.
399
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Materi & Penjelasan 7.
366-371
Identitas dan riwayat hidup singkat anggota Direksi.
Jumlah karyawan (komparatif 2 tahun) dan deskripsi pengembangan kompetensinya (misal: aspek pendidikan dan pelatihan karyawan).
The information should contain: 1. Name; 2. Position (including the position in other company or institution); 3. Age; 4. Education; 5. Work experience; 6. Date of first appointment as the member of the Board of Directors. 93-106
9.
The information should contain: 1. Total employees for each organization level; 2. Total employees for each level of education; 3. Total employees based on employment status; 4. Description and data of employee’s competency development which has been done by reflecting the equality of opportunity to all employees; and 5. The cost of employee’s competency development which has been incurred. 62-63
Komposisi pemegang saham.
10.
Among others includes: 1. Details of shareholders name which include 20 majority shareholders and their ownership percentage; 2. Details of shareholders and their ownership percentage which include: a. Name of shareholders who have 5% or more shares; b. Name of Directors of Commissioners who have shares; and c. Group of public shareholders who each own less than 5% of shares. N/A
Daftar entitas anak dan/atau entitas asosiasi.
The information should contain: 1. Name of subsidiaries and/or associates; 2. Share ownership percentage; 3. Description of subsidiaries and/or associates business line; and 4. Description of subsidiaries and/or associates operation status (has operated or has not operated).
11.
Struktur grup perusahaan. Struktur grup perusahaan dalam bentuk bagan yang menggambarkan entitas anak, entitas asosiasi, joint venture, dan special purpose vehicle.
N/A
Corporate group structure. Corporate group structure in form of chart which describes subsidiaries, associates, joint venture, and special purpose vehicle.
12.
Kronologis pencatatan saham.
N/A
Share listing chronology.
Upholding The Spirit of Hasanah
Among others, include: 1. Chronology of share listing; 2. Corporate action that cause changes in the number of shares; 3. Share volume changes from the beginning until the end of fiscal year; and 4. Name of stock exchange where the company’s share is listed (if any).
Auxiliary Information
Mencakup antara lain: 1. Kronologis pencatatan saham; 2. Jenis tindakan korporasi (corporate action) yang menyebabkan perubahan jumlah saham; 3. Perubahan jumlah saham dari awal pencatatan sampai dengan akhir tahun buku; dan 4. Nama bursa di mana saham perusahaan dicatatkan.
Corporate Social Responsibility
Informasi memuat antara lain: 1. Nama entitas anak dan/atau asosiasi; 2. Persentase kepemilikan saham; 3. Keterangan tentang bidang usaha entitas anak dan/atau entitas asosiasi; dan 4. Keterangan tentang status operasi entitas anak dan/atau entitas asosiasi (telah beroperasi atau belum beroperasi).
List of subsidiaries and/or associates.
Good Corporate Governance
Mencakup antara lain: 1. Rincian nama pemegang saham yang meliputi 20 pemegang saham terbesar dan persentase kepemilikannya; 2. Rincian pemegang saham dan persentase kepemilikannya meliputi: a. Nama pemegang saham yang memiliki 5% atau lebih saham; b. Nama Direktur dan Komisaris yang memiliki saham; dan c. Kelompok pemegang saham masyarakat dengan kepemilikan saham masing-masing kurang dari 5%.
Shareholders composition.
Management Discussion and Analysis
Informasi memuat antara lain: 1. Jumlah karyawan untuk masing-masing level organisasi; 2. Jumlah karyawan untuk masing-masing tingkat pendidikan; 3. Jumlah karyawan berdasarkan status kepegawaian; 4. Deskripsi dan data pengembangan kompetensi karyawan yang telah dilakukan dengan mencerminkan adanya persamaan kesempatan kepada seluruh karyawan; dan 5. Biaya pengembangan kompetensi karyawan yang telah dikeluarkan.
Number of employees (2 years comparatively) and description of competence building (such as: aspect of education and training of employees ).
Operational and Business Review
8.
Brief identity and curriculum vitae of the members of the Board of Directors. Company Profile
Informasi memuat antara lain: 1. Nama; 2. Jabatan (termasuk jabatan pada perusahaan atau lembaga lain); 3. Umur; 4. Pendidikan; 5. Pengalaman kerja; 6. Tanggal penunjukkan pertama kali sebagai anggota Direksi.
Subject & Explanation
400
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Materi & Penjelasan 13. Company Profile
Mencakup antara lain: 1. Kronologis pencatatan efek lainnya; 2. Jenis tindakan korporasi (corporate action) yang menyebabkan perubahan jumlah efek lainnya; 3. Perubahan jumlah efek lainnya dari awal pencatatan sampai dengan akhir tahun buku; dan 4. Nama bursa di mana efek lainnya dicatatkan; dan 5. Peringkat efek.
Operational and Business Review
14.
Nama dan alamat lembaga dan/atau profesi penunjang pasar modal.
Among others, include: 1. Listing chronology of other securities; 2. Corporate action that cause changes in the number of other securities; 3. Changes of the number of other securities from the beginning until the end of fiscal year; and 4. Name of stock exchange where the other securities is listed; and 5. Securities rating. 41
Informasi memuat antara lain: 1. Nama dan alamat BAE/pihak yang mengadministrasikan saham perusahaan; 2. Nama dan alamat Kantor Akuntan Publik; dan 3. Nama dan alamat perusahaan pemeringkat efek. 15.
Penghargaan yang diterima dalam tahun buku terakhir dan/atau sertifikasi yang masih berlaku dalam tahun buku terakhir baik yang berskala nasional maupun internasional.
Name and address of capital market institutions and/or supporting professions. The information should contain: 1. Name and address of Securities Administration Bureau/parties that administered the company’s share; 2. Name and address of Public Accounting Firm; and 3. Nama and address of securities rating agency.
66-69
Informasi memuat antara lain: 1. Nama penghargaan dan/atau sertifikat; 2. Tahun perolehan; 3. Badan pemberi penghargaan dan/atau sertifikat; dan 4. Masa berlaku (untuk sertifikasi).
Award received by the company in the latest fiscal year and/or valid certification in the latest fiscal year both on a national and international scale. The information should contain: 1. Name of award and/or certificate; 2. Year of acquisition; 3. Name of agency that give the award and/or certification; and 4. Validity period (for certification).
Nama dan alamat entitas anak dan/atau kantor cabang atau kantor perwakilan (jika ada).
378-394
Name and address of subsidiary and/or branch offices or representative offices (if any). The information should contain: 1. Name and address of subsidiaries; and 2. Name and address of branch/representative offices.
Catatan: Apabila perusahaan tidak memiliki entitas anak/cabang/ perwakilan agar diungkapkan.
Note: It requires a disclosure if the company has no subsidiaries/ branch/representative.
V.
Analisis dan Pembahasan Manajemen
Management Discussion and Analysis
1.
Tinjauan operasi per segmen usaha.
2.
Auxiliary Information
Memuat informasi antara lain: 1. Nama dan alamat entitas anak; dan 2. Nama dan alamat kantor cabang/perwakilan.
Good Corporate Governance
16.
Listing chronology of other securities.
Corporate Social Responsibility
Management Discussion and Analysis
N/A
Kronologis pencatatan efek lainnya.
Subject & Explanation
72-92
Memuat uraian mengenai: 1. Penjelasan masing-masing segmen usaha. 2. Kinerja per segmen usaha, antara lain: a. Produksi; b. Peningkatan/penurunan kapasitas produksi; c. Penjualan/pendapatan usaha; dan d. Profitabilitas.
Operational review per business segment. Contains the description of: 1. Description of each business business segment. 2. Performance of Production/business activity; a. Production; b. Increase/decrease of production capacity; c. Operating sales/revenue; and d. Profitability.
149-163
Uraian atas kinerja keuangan perusahaan. Analisis kinerja keuangan yang mencakup perbandingan antara kinerja keuangan tahun yang bersangkutan dengan tahun sebelumnya dan penyebab kenaikan/penurunan (dalam bentuk narasi dan tabel), antara lain mengenai: 1. Aset lancar, aset tidak lancar, dan total aset; 2. Liabilitas jangka pendek, liabilitas jangka panjang, dan total liabilitas; 3. Ekuitas; 4. Penjualan/pendapatan usaha, beban dan laba (rugi), pendapatan komprehensif lain, dan total laba (rugi) komprehensif; dan 5. Arus kas.
Upholding The Spirit of Hasanah
Description of company’s financial performance. Analysis of financial performance which includes a comparison between current fiscal year and the previous year and the cause of increase/decrease (in form of tables and charts), among others, concerning: 1. Current assets, non-current assets, and total assets; 2. Short-term liabilities, long-term liabilities, and total liabilities; 3. Equity; 4. Operating sales/revenue, expense and profit (loss), other comprehensive income, and total of comprehensive profit (loss); and 5. Cash flow.
401
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Materi & Penjelasan 3.
157
Penjelasan tentang: 1. Kemampuan membayar utang, baik jangka pendek maupun jangka panjang; dan 2. Tingkat kolektibilitas piutang. 4.
Bahasan tentang struktur modal (capital structure), dan kebijakan manajemen atas struktur modal (capital structure policy).
Description of: 1. Ability to pay debts, both in short and long term; and 2. Collectibility of account receivables. 157
158
Penjelasan tentang: 1. Tujuan dari ikatan tersebut; 2. Sumber dana yang diharapkan untuk memenuhi ikatan tersebut; 3. Mata uang yang menjadi denominasi, dan 4. Langkah-langkah yang direncanakan perusahaan untuk melindungi risiko dari posisi mata uang asing yang terkait.
Description of: 1. The purpose of the ties; 2. Source of funds expected to fulfill the said ties;
Catatan: Apabila perusahaan tidak mempunyai ikatan terkait investasi barang modal pada tahun buku terakhir agar diungkapkan.
Note: It requires a disclosure if the company has no significant ties for the investment of capital goods in the latest fiscal year.
Bahasan mengenai investasi barang modal yang direalisasikan pada tahun buku terakhir.
3. Currency of denomination; and 4. Steps taken by the company to protect the position of related foreign currency against risks.
158
Discussion of capital goods investment that was realized in the latest fiscal year.
Penjelasan tentang: 1. Jenis investasi barang modal; 2. Tujuan investasi barang modal; and 3. Nilai investasi barang modal yang dikeluarkan pada tahun buku terakhir.
Description of: 1. Type of capital goods investment; 2. The purpose of capital goods investment; and 3. The value of capital goods investment in the latest fiscal year.
Catatan: Apabila tidak terdapat realisasi investasi barang modal agar diungkapkan.
Note: It requires a disclosure if there is no realization capital goods investment. 161-163
Informasi dan fakta material yang terjadi setelah tanggal laporan akuntan.
Comparative information of target in the beginning of fiscal year and its realization, and target or projection to be achieved for the next year which include income, profit, capital structure, or others that considered important for the company. Information, among others, includes: 1. Comparison between target in the beginning of fiscal year and its realization; and 2. Target or projection to be achieved in the next 1 (one) year.
158
Significant information and fact subsequent to the accountant’s report date. Description of subsequent event including its impact to the business performance and risk in the future.
Catatan: Apabila tidak ada kejadian penting setelah tanggal laporan akuntan, agar diungkapkan.
Note: It requires a disclosure if there is no subsequent event.
Auxiliary Information
Uraian kejadian penting setelah tanggal laporan akuntan termasuk dampaknya terhadap kinerja dan risiko usaha di masa mendatang.
Upholding The Spirit of Hasanah
Corporate Social Responsibility
Informasi perbandingan antara target pada awal tahun buku dengan hasil yang dicapai (realisasi), dan target atau proyeksi yang ingin dicapai untuk satu tahun mendatang mengenai pendapatan, laba, struktur permodalan, atau lainnya yang dianggap penting bagi perusahaan. Informasi memuat antara lain: 1. Perbandingan antara target pada awal tahun buku dengan hasil yang dicapai (realisasi); dan 2. Target atau proyeksi yang ingin dicapai dalam 1 (satu) tahun mendatang.
8.
Discussion on significant ties for the investment of capital goods.
Good Corporate Governance
7.
Description of: 1. Capital structure; and 2. Management policy on capital structure policies and the basis of the policies.
Management Discussion and Analysis
6.
Bahasan mengenai ikatan yang material untuk investasi barang modal.
Discussion of capital structure and management policy on capital structure policy. Operational and Business Review
Penjelasan atas: 1. Struktur modal (capital structure); dan 2. Kebijakan manajemen atas struktur modal (capital structure policies) dan dasar pemilihan kebijakan tersebut. 5.
Discussion and analysis of capacity to pay debts and the collectibility of account receivables, by presenting relevant ratio calculation in accordance with the type of company’s industry.
Company Profile
Bahasan dan analisis tentang kemampuan membayar utang dan tingkat kolektibilitas piutang perusahaan, dengan menyajikan perhitungan rasio yang relevan sesuai dengan jenis industri perusahaan.
Subject & Explanation
402
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Materi & Penjelasan
Company Profile
9.
171-177
Uraian tentang prospek usaha perusahaan. Uraian mengenai prospek perusahaan dikaitkan dengan industri dan ekonomi secara umum disertai data pendukung kuantitatif dari sumber data yang layak dipercaya.
10.
Uraian tentang aspek pemasaran atas produk dan/atau jasa perusahaan, antara lain strategi pemasaran dan pangsa pasar.
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
11.
12.
13.
Uraian mengenai kebijakan dividen dan jumlah dividen kas per saham dan jumlah dividen per tahun yang diumumkan atau dibayar selama 2 (dua) tahun buku terakhir.
Descrition of marketing aspects. Description of marketing aspect for the company’s products and/or services, such as marketing strategy and market segment.
158
Description of and total of cash dividend per share and total of dividend per year that announced or paid for the last 2 (two) fiscal years.
Memuat uraian mengenai: 1. Kebijakan pembagian dividen; 2. Total dividen yang dibagikan; 3. Jumlah dividen kas per saham; 4. Payout ratio; dan 5. Tanggal pengumuman dan pembayaran dividen kas untuk masing-masing tahun.
Contains the description of : 1. Dividend distribution policy; 2. Total of distributed dividends; 3. Total of cash dividend per share; 4. Payout ratio; and 5. Announcement date and cash dividend payment for each year.
Catatan: Apabila tidak ada pembagian dividen, agar diungkapkan alasannya.
Note: It requires a disclosure if there is no dividend distribution.
Program kepemilikan saham oleh karyawan dan/atau manajemen yang dilaksanakan perusahaan (ESOP/MSOP).
160
Employee Share Ownership Program and/or Management Share Ownership Program (ESOP/MSOP) which conducted by the company.
Memuat uraian mengenai: 1. Jumlah saham ESOP/MSOP dan realisasinya; 2. Jangka waktu; 3. Persyaratan karyawan dan/atau manajemen yang berhak; dan 4. Harga exercise.
Contains the description of: 1. Total of ESOP/MSOP shares and its realization; 2. Term; 3. The requirements for the employee and/or management; and 4. Exercise price.
Catatan: Apabila tidak memiliki program dimaksud, agar diungkapkan.
Note: It requires a disclosure if there is no referred program.
Realisasi penggunaan dana hasil penawaran umum (dalam hal perusahaan masih diwajibkan menyampaikan laporan realisasi penggunaan dana).
N/A
Memuat uraian mengenai: 1. Total perolehan dana; 2. Rencana penggunaan dana; 3. Rincian penggunaan dana; 4. Saldo dana; dan 5. Tanggal persetujuan RUPS atas perubahan penggunaan dana (jika ada). 14.
Description of company’s business prospects. Description of the company’s prospects in regards with the industry and economy in general accompanied with supporting quantitative data from reliable data source.
164-170
Uraian tentang aspek pemasaran.
Subject & Explanation
Informasi material mengenai investasi, ekspansi, divestasi, penggabungan/peleburan usaha, akuisisi, restrukturisasi utang/ modal.
Realization of the use of proceeds from the public offering (in terms of the company still has the obligation to submit the report of proceeds realization). Contains the description of: 1. Total proceeds acquired; 2. Plan of proceeds utilization; 3. Detail of proceeds utilization; 4. Balance of proceeds; and 5. GMS approval date for the change of proceeds utilization (if any).
160
Significant information on investment, expansion, divestment, business merger/consolidation, acquisition, restructuring of debt/ capital.
Memuat uraian mengenai: 1. Tujuan dilakukannya transaksi; 2. Nilai transaksi atau jumlah yang direstrukturisasi; dan 3. Sumber dana.
Contains the description of : 1. The purpose of transaction; 2. The value of transaction or the restructured amount; and 3. Source of fund.
Catatan: Apabila tidak mempunyai transaksi dimaksud, agar diungkapkan.
Note: It requires a disclosure if there is no referred transaction.
Upholding The Spirit of Hasanah
403
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Materi & Penjelasan 15.
159
Informasi transaksi material yang mengandung benturan kepentingan dan/atau transaksi dengan pihak afiliasi.
Contains the description of: 1. Name of parties which conduct transaction and the nature of affiliation; 2. Explanation about the fairness of the transaction; 3. Reasons of transaction; 4. Realization of transaction in the latest fiscal year period; 5. Relevant company’s policy on the transaction review mechanism; and 6. Compliance toward relevant rules and regulations.
2. 3. 4. 5.
Penjelasan mengenai kewajaran transaksi; Alasan dilakukannya transaksi; Realisasi transaksi pada periode tahun buku terakhir; Kebijakan perusahaan terkait dengan mekanisme review atas transaksi; dan 6. Pemenuhan peraturan dan ketentuan terkait.
Uraian mengenai perubahan peraturan perundang-undangan yang berpengaruh signifikan terhadap perusahaan.
160
Description of changes in regulation which have a significant impact on the company.
Uraian memuat antara lain: perubahan peraturan perundangundangan dan dampaknya terhadap perusahaan.
The description, among others, includes: changes in regulation and its impact toward the company.
Catatan: Apabila tidak terdapat perubahan peraturan perundangundangan yang berpengaruh signifikan, agar diungkapkan.
Note: It requires a disclosure if there is no changes in regulation which have a significant impact.
Uraian mengenai perubahan kebijakan akuntansi yang diterapkan perusahaan pada tahun buku terakhir.
160
Description of changes in the accounting policy which implemented by the company in the latest fiscal year. The description,among others, includes: changes in accounting policy, reason and its impact on financial statements.
Catatan: Apabila tidak terdapat perubahan kebijakan akuntansi, agar diungkapkan.
Note: It requires a disclosure if there is no changes in accounting policy.
VI.
Tata Kelola Perusahaan yang Baik
Good Corporate Governance
1.
Uraian Dewan Komisaris.
218-228
2.
The description, among others, includes: 1. Description of the responsibility of the Board of Commissioners. 2. Disclosure of the procedure for determining remuneration; 3. Remuneration structure which shows the remuneration component and the total nominal of each component for every member of the Board of Commissioners; 4. Frequency of meetings and attendance of the Board of Commissioners in the meeting; 5. Training program in order to improve the competency of the Board of Commissioners or orientation program for the new Commissioner; and 6. Disclosure of Board Charter (guidelines and work order of the Board of Commissioners). 219
Uraian mengenai Komisaris Independen. Meliputi antara lain: 1. Kriteria penentuan Komisaris Independen; dan 2. Pernyataan tentang independensi masing-masing Komisaris Independen.
Description of Independent Commissioner. Among others, includes: 1. Criteria for appointing Independent Commissioner; and 2. Statement about the independency of each Commissioner Independent.
Corporate Social Responsibility
Uraian memuat antara lain: 1. Uraian tanggung jawab Dewan Komisaris; 2. Pengungkapan prosedur penetapan remunerasi; 3. Struktur remunerasi yang menunjukkan komponen remunerasi dan jumlah nominal per komponen untuk setiap anggota Dewan Komisaris; 4. Frekuensi pertemuan dan tingkat kehadiran Dewan Komisaris dalam pertemuan; 5. Program pelatihan dalam rangka meningkatkan kompetensi Dewan Komisaris atau program orientasi bagi Komisaris baru; dan 6. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Dewan Komisaris).
Description of the Board of Commissioners.
Good Corporate Governance
Uraian memuat antara lain: perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuangan.
Management Discussion and Analysis
17.
Note: It requires a disclosure if there is no referred transaction.
Operational and Business Review
Catatan: Apabila tidak mempunyai transaksi dimaksud, agar diungkapkan. 16.
Information of significant transaction which contains conflict of interest and/or transaction with affiliated parties. Company Profile
Memuat uraian mengenai: 1. Nama pihak yang bertransaksi dan sifat hubungan afiliasi;
Subject & Explanation
Auxiliary Information
Upholding The Spirit of Hasanah
404
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Materi & Penjelasan 3.
244-257
Uraian Direksi.
Company Profile
Uraian memuat antara lain: 1. Ruang lingkup pekerjaan dan tanggung jawab masing-masing anggota Direksi; 2. Frekuensi pertemuan dan tingkat kehadiran anggota Direksi dalam pertemuan Direksi; 3. Frekuensi pertemuan dan tingkat kehadiran anggota Direksi dalam pertemuan gabungan Direksi dan Dewan Komisaris;
Operational and Business Review Management Discussion and Analysis Good Corporate Governance Corporate Social Responsibility Auxiliary Information
5. Pengungkapan mengenai Board Charter (pedoman dan tata tertib kerja Direksi); dan 225, 253254
Assessment terhadap Dewan Komisaris dan Direksi. Mencakup antara lain: 1. Prosedur pelaksanaan assessment atas kinerja Dewan Komisaris dan Direksi; 2. Kriteria yang digunakan dalam pelaksanaan assessment atas kinerja Dewan Komisaris dan Direksi; dan 3. Pihak yang melakukan assessment.
5.
Mencakup antara lain: 1. Pengungkapan prosedur penetapan remunerasi; 2. Struktur remunerasi yang menunjukkan jenis dan jumlah imbalan jangka pendek, pasca kerja, dan/atau jangka panjang lainnya untuk setiap anggota Direksi; dan 3. Pengungkapan indikator untuk penetapan remunerasi Direksi. 6.
Informasi mengenai pemegang saham utama dan pengendali, baik langsung maupun tidak langsung sampai kepada pemilik individu.
Pengungkapan hubungan afiliasi antara anggota Direksi, Dewan Komisaris, dan Pemegang Saham Utama dan/atau pengendali.
Description of the remuneration policy for the Board of Directors. Among others, includes: 1. Disclosure of remuneration stipulation procedure; 2. Remuneration structure that indicates the type and amount of short-term benefits, post-employment, and/or other long-term benefits for each member of the Board of Directors; and 3. Disclosure of remuneration stipulation indicators for the Board of Directors.
62
Dalam bentuk skema or diagram, kecuali untuk BUMN yang dimiliki sepenuhnya oleh pemerintah. 7.
Assessment of the Board of Commissioners and the Board of Directors. Among others, includes: 1. Procedure of assessment on the Board of Commissioners and the Board of Directors performance; 2. Criteria of assessment on the Board of Commissioners and the Board of Directors performance; and 3. Party that conducts the assessment.
254-255
Uraian mengenai kebijakan remunerasi bagi Direksi.
Description of the Board of Directors. The description, among others, includes: 1. Scope of work and responsibility of each member of the Board of Directors. 2. Frequency of meeting and attendance of the Board of Directors’ members in the Board of Directors meeting; 3. Frequency of meeting and attendance of the Board of Directors’ members in the joint meeting of the Board of Directors and the Board of Commissioners; 4. Training program in order to improve the competency of the Board of Directors or orientation program for the new Director; and 5. Disclosure of Board Charter (guidelines and work order of the Board of Directors); and
4. Program pelatihan dalam rangka meningkatkan kompetensi Direksi atau program orientasi bagi Direksi baru;
4.
Subject & Explanation
Information of major and controlling shareholders, both direct or indirect, up to the individual owners. In form of scheme or chart, except for the SOE that is fully owned by the government.
227-228, 256
Mencakup antara lain: 1. Hubungan afiliasi antara anggota Direksi dengan anggota Direksi lainnya; 2. Hubungan afiliasi antara anggota Direksi dengan anggota Dewan Komisaris; 3. Hubungan afiliasi antara anggota Direksi dengan Pemegang Saham Utama dan/atau pengendali; 4. Hubungan afiliasi antara anggota Dewan Komisaris dengan anggota Komisaris lainnya; dan
Disclosure of affiliation relationship between the member of the Board of Directors, the Board of Commissioners, and Major and/or controlling Shareholders.
5. Hubungan afiliasi antara anggota Dewan Komisaris dengan Pemegang Saham Utama dan/atau pengendali.
Among others, includes: 1. Affiliation relationship between the member of the Board of Directors and other member of the Board of Directors; 2. Affiliation relationship between the member of the Board of Directors and the member of the Board of Commissioners; 3. Affiliation relationship between the member of the Board of Directors and Major and/or controlling Shareholders; 4. Affilitaion relationship between the member of the Board of Commissioners and other member of the Board of Commissioners;and 5. Affiliation relationship between the member of the Board of Commissioners and Major and/or controlling Shareholders.
Catatan: Apabila tidak mempunyai hubungan afiliasi dimaksud, agar diungkapkan.
Note: It requires a disclosure if there is no referred affiliation relationship.
Upholding The Spirit of Hasanah
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Materi & Penjelasan 8.
Komite Audit.
229-233
Among others, includes: 1. Name and position of the member of the audit committee; 2. Qualification of education and work experience of the member of the audit committee; 3. Independency of the member of the audit committee; 4. Description of task and responsibility; 5. Brief report on the activities carried out by the audit committee; and 6. Frequency of meetings and attendance of the audit committee.
6. Frekuensi pertemuan dan tingkat kehadiran komite audit. Komite/Fungsi Nominasi dan Remunerasi.
238-243
10.
Komite-komite lain di bawah Dewan Komisaris yang dimiliki oleh perusahaan.
Among others, includes: 1. Name, position, and brief curriculum vitae of the member of nomination and/or remuneration committee; 2. Independency of the member of nomination and/or remuneration committee; 3. Description of task and responsibility; 4. Description of activities carried out by the nomination and/or remuneration committee; and 5. Frequency of meetings and attendance of the nomination and/ or remuneration committee/function. 6. Policy regarding the succession of the Board of Directors 234-237
11.
Uraian tugas dan fungsi sekretaris perusahaan.
Among others, includes: 1. Name, position, and brief curriculum vitae of the member of other committees; 2. Independency of the member of other committees; 3. Description of task and responsibility; 4. Description of activities carried out by other committees; and 5. Frequency of meetings and attendance of other committees. 272-277
Mencakup antara lain: 1. Nama dan riwayat jabatan singkat sekretaris perusahaan; 2. Uraian pelaksanaan tugas sekretaris perusahaan; dan 3. Program pelatihan dalam rangka mengembangkan kompetensi sekretaris perusahaan. 12.
Among others, includes: 1. Name and brief curriculum vitae of corporate secretary; 2. Description of task implementation of corporate secretary; and 3. Training program in order to improve the competency of corporate secretary. 194-196
Mencakup antara lain: 1. Keputusan RUPS tahun sebelumnya; 2. Realisasi hasil RUPS pada tahun buku; dan 3. Alasan dalam hal terdapat keputusan RUPS yang belum direalisasikan. 13.
Uraian mengenai unit audit internal.
Description of General Meeting of Shareholders (GMS) of previous year. Among others, includes: 1. GMS resolution of previous year; 2. Realization of GMS resolution in the fiscal year; and 3. Reasons in the event of any unrealized GMS resolution.
278-287
Upholding The Spirit of Hasanah
Among others, includes: 1. Name of the chairman of internal audit unit; 2. Number of employees (internal auditor) in internal audit unit; 3. Certification as internal auditor; 4. Position of the internal audit unit in company’s structure; 5. Brief report of activities carried out by the internal audit unit; and 6. Party that appoints/dismisses the chairman of internal audit unit.
Auxiliary Information
Mencakup antara lain: 1. Nama ketua unit audit internal; 2. Jumlah pegawai (auditor internal) pada unit audit internal; 3. Sertifikasi sebagai profesi audit internal; 4. Kedudukan unit audit internal dalam struktur perusahaan; 5. Laporan singkat pelaksanaan kegiatan unit audit internal; dan 6. Pihak yang mengangkat/memberhentikan ketua unit audit internal.
Description of internal audit unit.
Corporate Social Responsibility
Uraian mengenai Rapat Umum Pemegang Saham (RUPS) tahun sebelumnya.
Description of task and function of corporate secretary.
Good Corporate Governance
Mencakup antara lain: 1. Nama, jabatan, dan riwayat hidup singkat anggota komite lain; 2. Independensi anggota komite lain; 3. Uraian tugas dan tanggung jawab; 4. Uraian pelaksanaan kegiatan komite lain; dan 5. Frekuensi pertemuan dan tingkat kehadiran komite lain.
Other committees under the Board of Commissioners which owned by the company.
Management Discussion and Analysis
Mencakup antara lain: 1. Nama, jabatan, dan riwayat hidup singkat anggota komite nominasi dan/atau remunerasi; 2. Independensi anggota komite nominasi dan/atau remunerasi; 3. Uraian tugas dan tanggung jawab; 4. Uraian pelaksanaan kegiatan komite nominasi dan/atau remunerasi; dan 5. Frekuensi pertemuan dan tingkat kehadiran komite/ fungsi nominasi dan/atau remunerasi. 6. Kebijakan mengenai suksesi Direksi
Nomination and Remuneration Committee/Function.
Operational and Business Review
9.
Audit Committee. Company Profile
Mencakup antara lain: 1. Nama dan jabatan anggota komite audit; 2. Kualifikasi pendidikan dan pengalaman kerja anggota komite audit; 3. Independensi anggota komite audit; 4. Uraian tugas dan tanggung jawab; 5. Laporan singkat pelaksanaan kegiatan komite audit; dan
Subject & Explanation
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Materi & Penjelasan
15.
Akuntan publik.
287
Information should contain, among others: 1. The amount of period the public accountant has audited the annual financial statements; 2. The amount of period the Public Accounting Firm has audited the annual financial statements; 3. The amount of fee for each service provided by the public accountant; and 4. Other services provided by the accountant other than the audit of annual financial statements.
Catatan: Apabila tidak ada jasa lain dimaksud, agar diungkapkan.
Note: It requires disclosure if there is no referred services.
Uraian mengenai manajemen risiko perusahaan.
309-324
Mencakup antara lain: 1. Penjelasan mengenai sistem manajemen risiko yang diterapkan perusahaan; 2. Penjelasan mengenai evaluasi yang dilakukan atas efektivitas sistem manajemen risiko; 3. Penjelasan mengenai risiko-risiko yang dihadapi perusahaan; dan 4. Upaya untuk mengelola risiko tersebut. 16.
Uraian mengenai sistem pengendalian intern.
4. Attempt to manage those risks. 290-291
Uraian mengenai corporate social responsibility yang terkait dengan lingkungan hidup.
Uraian mengenai corporate social responsibility yang terkait dengan ketenagakerjaan, kesehatan dan keselamatan kerja.
Description of internal control system. Among others, includes: 1. Brief description of internal control system, among others, includes financial and operational control; 2. Description of the compliance of internal ontrol system toward the internationally acknowledged framework (COSO – internal control framework); and 3. Description of the evaluation implemented on the effectiveness of internal control system.
351
Mencakup antara lain informasi tentang: 1. Kebijakan yang ditetapkan manajemen; 2. Kegiatan yang dilakukan terkait program lingkungan hidup yang berhubungan dengan kegiatan operasional perusahaan, seperti penggunaan material dan energi yang ramah lingkungan dan dapat didaur ulang, sistem pengelolaan limbah perusahaan, dan lain-lain; dan 3. Sertifikasi di bidang lingkungan yang dimiliki. 18.
Description of company’s risk management. Among others, includes: 1. Description of risk management system implemented by the company: 2. Description of the evaluation implemented on the effectiveness of the risk management system; 3. Description of risks faced by the company; and
Mencakup antara lain: 1. Penjelasan singkat mengenai sistem pengendalian intern, antara lain mencakup pengendalian keuangan dan operasional; 2. Penjelasan kesesuaian sistem pengendalian intern dengan kerangka yang diakui secara internasional (COSO – internal control framework); dan 3. Penjelasan mengenai evaluasi yang dilakukan atas efektivitas sistem pengendalian intern. 17.
Public accountant.
Informasi memuat antara lain: 1. Jumlah periode akuntan publik telah melakukan audit laporan keuangan tahunan; 2. Jumlah periode Kantor Akuntan Publik telah melakukan audit laporan keuangan tahunan; 3. Besarnya fee untuk masing-masing jenis jasa yang diberikan oleh akuntan publik; dan 4. Jasa lain yang diberikan akuntan selain jasa audit laporan keuangan tahunan.
Description of corporate social responsibility related to the environment. Information should contain, among others: 1. Policy set by the management; 2. Activities of environment program carried out in regards with the company’s operational, such as the use of material and energy that is environmentally friendly and can be recycled, waste treatment system, etc; and 3. Certificate on environmental.
356-359
Description of corporate social responsibility related to the employment, occupational health and safety.
Mencakup antara lain informasi tentang: 1. Kebijakan yang ditetapkan manajemen; dan 2. Kegiatan yang dilakukan.
Information should contain, among others: 1. Policy set by the management; and 2. Activities that are carried out.
Terkait praktik ketenagakerjaan, kesehatan dan keselamatan kerja, seperti kesetaraan gender dan kesempatan kerja, sarana dan keselamatan kerja, tingkat turnover karyawan, tingkat kecelakaan kerja, pelatihan, dan lain-lain.
In regards with the practice of employment, occupational health and safety, such as the equality of gender and work opportunity, occupational facility and safety, employee turnover rate, accident rate, training, etc.
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
14.
Subject & Explanation
Upholding The Spirit of Hasanah
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Materi & Penjelasan 19.
Mencakup antara lain informasi tentang: 1. Kebijakan yang ditetapkan manajemen; 2. Kegiatan yang dilakukan; dan 3. Biaya yang dikeluarkan.
Information should contain, among others: 1. Policy set by the management; 2. Activities that are carried out; and 3. Costs incurred.
Terkait pengembangan sosial dan kemasyarakatan, seperti penggunaan tenaga kerja lokal, pemberdayaan masyarakat sekitar perusahaan, perbaikan sarana dan prasarana sosial, bentuk donasi lainnya, dan lain-lain.
In regards with the community and social development, such as local worker recruitment, community empowerment around the company, social facilities repairement, other donations, etc.
Uraian mengenai corporate social responsibility yang terkait dengan tanggung jawab kepada konsumen.
358-359
Among others, includes: 1. Policy set by the management; and 2. Activities that are carried out.
Terkait tanggung jawab produk, seperti kesehatan dan keselamatan konsumen, informasi produk, sarana, jumlah dan penanggulangan atas pengaduan konsumen, dan lain-lain.
In regards with the product responsibility, such as customer health and safety, product information, facility, total and customer complaint control, etc. 325
Legal disputes faced by the company, subsidiaries, member of the Board of Directors and/or the Board of Commissioners that served during the period of annual report.
Catatan: Dalam hal tidak berperkara, agar diungkapkan.
Note: It requires a disclosure if there is no dispute.
Akses informasi dan data perusahaan.
339-343
Bahasan mengenai kode etik.
Access to information and corporate data. Description of the availability of access to information and corporate data to the public, for example through the website (in Indonesian and English), mass media, mailing lists, newsletters, analyst meetings, etc.
326-333
5. Pernyataan mengenai budaya perusahaan (corporate culture) yang dimiliki perusahaan.
Discussion of code of conduct. Contains description of: 1. Contents of the code of conduct; 2. Disclosure of the code of conduct applies to all organization level; 3. Dissemination of code of conduct; 4. Attempt to uphold the code of conduct and the sanction to the violation of the code of conduct; and 5. Statement of corporate culture owned by the company.
Corporate Social Responsibility
Memuat uraian antara lain: 1. Isi kode etik; 2. Pengungkapan bahwa kode etik berlaku bagi seluruh level organisasi; 3. Penyebarluasan kode etik; 4. Upaya penegakan dan sanksi pelanggaran kode etik; dan
Good Corporate Governance
4. Sanksi administrasi yang dikenakan kepada entitas, anggota Dewan Komisaris dan Direksi, oleh otoritas terkait (pasar modal, perbankan dan lainnya) pada tahun buku terakhir (atau terdapat pernyataan bahwa tidak dikenakan sanksi administrasi).
Among others, includes: 1. Subject of the case/lawsuit; 2. Settlement status of the case/lawsuit; 3. Potential impacts on the financial condition of the company; and 4. Administrative sanctions imposed on the entity, member of the Board of Commissioners and the Board of Directors, by the relevant authority (the capital market, banking and others) in the last fiscal year (or statement of no administrative sanctions imposed on the company).
Management Discussion and Analysis
Perkara penting yang sedang dihadapi oleh perusahaan, entitas anak, anggota Direksi dan/atau anggota Dewan Komisaris yang menjabat pada periode laporan tahunan.
Uraian mengenai tersedianya akses informasi dan data perusahaan kepada publik, misalnya melalui website (dalam bahasa Indonesia dan bahasa Inggris), media massa, mailing list, buletin, pertemuan dengan analis, dan sebagainya. 23.
Description of corporate social responsibility related to the product responsibility toward consumer.
Mencakup antara lain: 1. Kebijakan yang ditetapkan manajemen; dan 2. Kegiatan yang dilakukan.
Mencakup antara lain: 1. Pokok perkara/gugatan; 2. Status penyelesaian perkara/gugatan; 3. Pengaruhnya terhadap kondisi perusahaan; dan
22.
Description of corporate social responsibility related to the community and social development.
Operational and Business Review
21.
350, 352--354
Company Profile
20.
Uraian mengenai corporate social responsibility yang terkait dengan pengembangan sosial dan kemasyarakatan.
Subject & Explanation
Auxiliary Information
Upholding The Spirit of Hasanah
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334-338
Memuat uraian tentang mekanisme whistleblowing system antara lain: 1. Penyampaian laporan pelanggaran; 2. Perlindungan bagi whistleblower; 3. Penanganan pengaduan; 4. Pihak yang mengelola pengaduan; dan 5. Jumlah pengaduan yang masuk dan diproses pada tahun buku terakhir serta tindak lanjutnya. 25.
Auxiliary Information
Pengungkapan mengenai whistleblowing system.
VII. 1.
Keberagaman komposisi Dewan Komisaris dan Direksi.
Subject & Explanation Disclosure of whistleblowing system. Contains a description of the mechanism of whistleblowing system, among others: 1. Submission of violation reports; 2. Protection for the whistleblower; 3. Handling the complaint; 4. Party that manages the complaint; and 5. Amount of incoming complaints and processed in the last fiscal year as well as its follow-up.
288-289
Uraian kebijakan Perusahaan mengenai keberagaman komposisi Dewan Komisaris dan Direksi dalam pendidikan (bidang studi), pengalaman kerja, usia, dan jenis kelamin.
Diversity in the composition of the Board of Commissioners and Directors. Description of the Company’s policy regarding diversity in the composition of the Board of Commissioners and Directors in education (field of study), work experience, age, and gender.
Catatan: Apabila tidak ada kebijakan dimaksud, agar diungkapkan alasan dan pertimbangannya.
Note: It requires a disclosure of reason and consideration if there is no such policy.
Informasi Keuangan
Financial Information
Surat pernyataan Direksi dan/atau Dewan Komisaris tentang tanggung jawab atas laporan keuangan.
√
Kesesuaian dengan peraturan terkait tentang tanggung jawab atas laporan keuangan.
Statement by the Board of Directors and/or the Board of Commissioners concerning the responsibility toward financial statements. Compliance with relevant regulations on the responsibility toward financial statements.
2.
Opini auditor independen atas laporan keuangan.
√
Opinion of independent auditor on the financial statements.
3.
Deskripsi auditor independen di opini.
√
Description of the independent auditor in the opinion.
Deskripsi memuat tentang: 1. Nama dan tanda tangan; 2. Tanggal laporan audit; dan 3. Nomor izin KAP dan nomor izin akuntan publik. 4.
Description should contain: 1. Name and signature; 2. Date of audit report; and 3. License number of PAF and license number of public accountants.
Laporan keuangan yang lengkap.
√
Memuat secara lengkap unsur-unsur laporan keuangan: 1. Laporan posisi keuangan (neraca); 2. Laporan laba rugi komprehensif; 3. Laporan perubahan ekuitas; 4. Laporan arus kas; 5. Catatan atas laporan keuangan; dan 6. Laporan posisi keuangan pada awal periode komparatif yang disajikan ketika entitas menerapkan suatu kebijakan akuntansi secara retrospektif atau membuat penyajian kembali pos-pos laporan keuangan, atau ketika entitas mereklasifikasi pos-pos dalam laporan keuangannya (jika relevan). 5.
Perbandingan tingkat profitabilitas.
Comprehensively contains the elements of financial statements: 1. Statement of financial position (balance sheet); 2. Statement of comprehensive income; 3. Statement of changes in equity; 4. Statement of cash flows: 5. Accompanying notes to the financial statements; and 6. Statement of financial position in the beginning of comparative period which presented when the entity applies an accounting policy retrospectively or restates its accounts of financial statements, or when entity reclassifies the accounts in its financial statements (if applicable). 4
Perbandingan laba (rugi) tahun berjalan dengan tahun sebelumnya. 6.
Comprehensive financial statements.
Comparison of profitability. Comparison of profit (loss) in the current year and previous year.
Laporan arus kas.
6-7
Memenuhi ketentuan sebagai berikut: 1. Pengelompokan dalam tiga kategori aktivitas: operasi, investasi, dan pendanaan; 2. Penggunaan metode langsung (direct method) untuk melaporkan arus kas dari aktivitas operasi; 3. Pemisahan penyajian antara penerimaan kas dan/atau pengeluaran kas selama tahun berjalan pada aktivitas operasi, investasi dan pendanaan; dan 4. Pengungkapan transaksi non kas harus dicantumkan dalam catatan atas laporan keuangan. Upholding The Spirit of Hasanah
Statement of cash flow. Meet the following requirements: 1. Clustered in three activity categories: operating, investing, and financing; 2. Use of direct method to report cash flows from the operating activity; 3. Separation of presentation between cash acceptance and/or disbursement during the current year in the operating, investing and financing activities; and 4. Disclosure of non cash transaction should be stated in the accompanying notes of financial statements.
409
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Materi & Penjelasan 7.
Ikhtisar kebijakan akuntansi.
14-38
8.
Pengungkapan transaksi pihak berelasi.
Includes at least: 1. Statement and compliance with FAS; 2. Basis of measurement and preparation of financial statements; 3. Acknowledgement of income and expenses; 4. Employee benefits; and 5. Financial instruments. 89-94
Pengungkapan yang berhubungan dengan perpajakan.
Among others, includes: 1. Name of related party, as well as the nature and relationship with the related party; 2. Value of transaction and its percentage toward the relevant total income and expenses; and 3. Amount of balance and its percentage toward total assets or liabiliaties. 73-76
Pengungkapan yang berhubungan dengan aset tetap.
Issues that should be disclosed: 1. Fiscal reconciliation of and calculation of current tax expenses; 2. Explanation on the relation between tax expenses (income) and accounting income; 3. Statement that Taxable Income from the result of reconciliation becomes the basis of filling the Annual Agency Income Tax Returns; 4. Details of deferred tax assets and liabilities which acknowledged in the statement of financial position in every reporting period, and the amount of deferred tax expenses (income) acknowledged in the statement of income if the amount is not visible from the total deferred tax assets or liabilities which presented in the statement of financial position; and 5. Disclosure of whether or not there is a tax dispute. 30-31, 68-69
Issues that should be disclosed: 1. Depreciation method used; 2. Description of the selected accounting policies between the revaluation model and cost model; 3. The methods and significant assumptions used in estimating the fair value of fixed assets (revaluation model) or disclosure of the fair value of fixed assets (cost model);and 4. Reconciliation of the gross book value and accumulated depreciation of fixed assets at the beginning and end of the reporting period, showing any addition, reduction and reclassification. 94-96
Upholding The Spirit of Hasanah
Issues that should be disclosed: 1. General information that includes the factors that are used to identify the reported segment; 2. Information of income, assets, and liabilities of reported segment; 3. Reconciliation from the total revenue, income, assets segment, liabilities, other significant elements of reported segment toward the relevant total in the entity; and 4. Disclosure on entity level, which includes information of products and/or services, geographic areas and major customers.
Auxiliary Information
Hal-hal yang harus diungkapkan: 1. Informasi umum yang meliputi faktor-faktor yang digunakan untuk mengidentifikasi segmen yang dilaporkan; 2. Informasi tentang laba rugi, aset, dan liabilitas segmen yang dilaporkan; 3. Rekonsiliasi dari total pendapatan segmen, laba rugi segmen yang dilaporkan, aset segmen, liabilitas segmen, dan unsur material segmen lainnya terhadap jumlah terkait dalam entitas; dan 4. Pengungkapan pada level entitas, yang meliputi informasi tentang produk dan/atau jasa, wilayah geografis dan pelanggan utama.
Disclosure related to the operation segment.
Corporate Social Responsibility
Pengungkapan yang berhubungan dengan segmen operasi.
Disclosure related to fixed assets. Good Corporate Governance
Hal-hal yang harus diungkapkan: 1. Metode penyusutan yang digunakan; 2. Uraian mengenai kebijakan akuntansi yang dipilih antara model revaluasi dan model biaya; 3. Metode dan asumsi signifikan yang digunakan dalam mengestimasi nilai wajar aset tetap (untuk model revaluasi) atau pengungkapan nilai wajar aset tetap (untuk model biaya); dan 4. Rekonsiliasi jumlah tercatat bruto dan akumulasi penyusutan aset tetap pada awal dan akhir periode dengan menunjukkan: penambahan, pengurangan dan reklasifikasi. 11.
Disclosure related to the taxation.
Management Discussion and Analysis
Hal-hal yang harus diungkapkan: 1. Rekonsiliasi fiskal dan perhitungan beban pajak kini; 2. Penjelasan hubungan antara beban (penghasilan) pajak dan laba akuntansi; 3. Pernyataan bahwa Laba Kena Pajak (LKP) hasil rekonsiliasi dijadikan dasar dalam pengisian SPT Tahunan PPh Badan; 4. Rincian aset dan liabilitas pajak tangguhan yang diakui pada laporan posisi keuangan untuk setiap periode penyajian, dan jumlah beban (penghasilan) pajak tangguhan yang diakui pada laporan laba rugi apabila jumlah tersebut tidak terlihat dari jumlah aset atau liabilitas pajak tangguhan yang diakui pada laporan posisi keuangan; dan 5. Pengungkapan ada atau tidak ada sengketa pajak. 10.
Disclosure on transactions with related parties.
Operational and Business Review
Hal-hal yang diungkapkan antara lain: 1. Nama pihak berelasi, serta sifat dan hubungan dengan pihak berelasi; 2. Nilai transaksi beserta persentasenya terhadap total pendapatan dan beban terkait; dan 3. Jumlah saldo beserta persentasenya terhadap total aset atau liabilitas. 9.
Overview of accounting policies. Company Profile
Meliputi sekurang-kurangnya: 1. Pernyataan dan kepatuhan terhadap SAK; 2. Dasar pengukuran dan penyusunan laporan keuangan; 3. Pengakuan pendapatan dan beban; 4. Imbalan kerja; dan 5. Instrumen keuangan.
Subject & Explanation
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Materi & Penjelasan Pengungkapan yang berhubungan dengan instrumen keuangan.
40-110
Hal-hal yang harus diungkapkan: 1. Rincian instrumen keuangan yang dimiliki berdasarkan klasifikasinya; 2. Nilai wajar tiap kelompok instrumen keuangan; 3. Kebijakan manajemen risiko; 4. Penjelasan risiko yang terkait dengan instrumen keuangan: risiko pasar, risiko kredit dan risiko likuiditas; dan 5. Analisis risiko yang terkait dengan instrumen keuangan secara kuantitatif. 13.
Penerbitan laporan keuangan.
Disclosures related to financial instruments. Issues that should be disclosed: 1. Details of financial instruments based on its classification; 2. The fair value of each class of financial instruments; 3. Policies of risk management; 4. Explanation of the risks associated with financial instruments: market risk, credit risk and liquidity risk; and 5. Quantitative risk analysis relevant to the financial instruments.
√
Hal-hal yang diungkapkan antara lain: 1. Tanggal laporan keuangan diotorisasi untuk terbit; dan 2. Pihak yang bertanggung jawab mengotorisasi laporan keuangan.
Auxiliary Information
Corporate Social Responsibility
Good Corporate Governance
Management Discussion and Analysis
Operational and Business Review
Company Profile
12.
Subject & Explanation
Upholding The Spirit of Hasanah
Publication of financial statements. Issues that should be disclosed, among others: 1. The date that financial statements is authorized to be published; and 2. The party responsible to authorize the published financial statements.