CONNECT BETTER TERHUBUNG DENGAN LEBIH BAIK

Transkripsi

1 1

2 2 ANNUAL REPORT LAPORAN TAHUNAN 2014 PT BANK EKONOMI RAHARJA TBK Sanggahan dan Batasan Tanggung Jawab Disclaimer and scope of responsibility Laporan Tahunan ini memuat pernyataan kondisi keuangan, hasil operasi, proyeksi, rencana, strategi, kebijakan, serta tujuan Perseroan, yang digolongkan sebagai pernyataan ke depan dalam pelaksanaan Perundang-undangan yang berlaku, kecuali hal-hal yang bersifat historis. Pernyataan-pernyataan tersebut memiliki prospek risiko, ketidakpastian, serta dapat mengakibatkan perkembangan aktual secara material berbeda dari yang dilaporkan. This Annual Report contains statements on financial conditions, operational output, projections, plans, strategies, policies, and the Company s objectives, which are categorized as future statements in terms of the applicable Regulations, except historical matters. The statements are prospective statements that inherently contain risks and uncertainties that may affect actual developments in material matters which are different from what is stated in those said statements. Pernyataan-pernyataan prospektif dalam Laporan Tahunan ini dibuat berdasarkan berbagai asumsi mengenai kondisi terkini dan kondisi mendatang Perseroan serta lingkungan bisnis di mana Perseroan menjalankan kegiatan usaha. Perseroan tidak menjamin bahwa dokumen-dokumen yang telah dipastikan keabsahannya akan membawa hasil-hasil tertentu sesuai harapan. The prospective statements in this Annual Report are prepared based on various assumptions on current and future conditions of the Company, as well as its business environemnt in which the Company operates. The Company does not guarantee that the documents which have been ensured of their validity will bring certain results as targeted. Laporan Tahunan ini memuat kata Perseroan dan Bank yang didefinisikan sebagai PT Bank Ekonomi Raharja Tbk yang bergerak di bidang penyedia layanan perbankan komersial. Adakalanya kata Perusahaan dan Bank Ekonomi juga digunakan atas dasar kemudahan untuk menyebut PT Bank Ekonomi Raharja Tbk secara umum. This Annual Report contains the words Company and Bank which is defined as PT Bank Ekonomi Raharja Tbk which operates in the field of commercial banking services. Sometimes, the word Corporation and Bank Ekonomi are also used to simply modify PT Bank Ekonomi Raharja Tbk in general.

3 3 Finalis lomba foto berimmagine 2014 HASIL KARYA HENDRI FIN, DIVISI keuangan finalist of berimmagine photo competition 2014 by HENDRI FIN, finance division Kerjasama, atau istilah lainnya kemitraan, merupakan suatu strategi bisnis yang dilakukan dua pihak atau lebih dalam jangka waktu yang telah ditetapkan untuk meraih keuntungan bersama dengan memegang prinsip saling membutuhkan. Oleh karena itu, kerjasama merupakan kunci awal dalam mencapai kesuksesan. Collaboration, or known in other definition as partnership, is a business strategy that is done by two or more people in an agreed timeline to achieve mutual benefit, holding a principal of needing each other. Therefore, collaboration is an initial key in achieving success.

4 4 ANNUAL REPORT LAPORAN TAHUNAN 2014 PT BANK EKONOMI RAHARJA TBK DAFTAR ISI TABLE OF CONTENTS Analisis dan Pembahasan Manajemen Management Discussion and Analysis Tata Kelola Perusahaan Good Corporate Governance Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Kilas Kinerja Flashback Performance 8 Jejak Langkah Milestones 10 Peristiwa Penting 2014 Significant Events Strategi Perseroan 2014 Company s Strategy in Ikhtisar Data Keuangan Penting Key Financial Highlights 26 Ikhtisar Saham Stock Highlights 29 Ikhtisar Operasional Operational Highlights Laporan Manajemen Management Report 30 Laporan Komisaris Report of the Board of Commissioners 34 Laporan Direksi Report of the Board Directors PROFIL PERUSAHAAN COMPANY PROFILE 40 Sekilas Bank Ekonomi Bank Ekonomi at A Glance 43 Kegiatan Usaha Business Activities 44 Produk dan Jasa Perbankan Banking Products and Services 54 Visi, Misi, dan Budaya Perusahaan Vision, Mission, and Company s Culture 56 Profil Dewan Komisaris Profile of the Board of Commissioners 58 Profil Dewan Direksi Profile of the Board of Directors 63 Profil Pejabat Eksekutif Profile of Executive Officials 68 Sumber Daya Manusia Human Resources 84 Teknologi Informasi Dan Operasional Information and Operations Technology 91 Stategi Kedepan HTS Dalam Pengelolaan TI HTS Further Strategy in IT Management

5 5 Analisa dan DISKUSI Manajemen Management Discussion and Analysis 103 Tinjauan Umum Perekonomian General Economic Overview 105 Tinjauan Bisnis Business Review 108 Perbankan Bisnis Business Banking 112 Perbankan Korporasi Corporate Banking 115 Perbankan Ritel Retail Banking 120 Tresuri & Institusi Keuangan Treasury & Financial Instituition 122 GTFR & TCM Global Trade and Recivable Finance & Payment and Cash Management 126 Analisa Kinerja Keuangan Financial Performance Analysis 153 Perbandingan Target Awal Tahun Buku dengan Relisasi serta Proyeksi 2015 Comparison Between Initial Target in The Financial Year and Its Realisation as well as Projections for Aspek Pemasaran Marketing Aspect 166 Perubahan Kebijakan Akuntasi, Alasan dan Dampaknya Terhadap Laporan Keuangan Changes In Accounting Policies, Rationale and Impact On The Financial Statements 168 Prospek Usaha Kedepan Business Prospect in The Future Manajemen Risiko risk management 178 Delapan Kategori Risiko Eight Risk Categories 190 Risiko Kredit Credit Risk 199 Risiko Pasar Market Risk 200 Risiko Likuiditas Liquidity Risk 202 Risiko Operasional Operational Risk 204 Risiko Hukum Legal Risk 206 Risiko Stratejik Strategic Risk 208 Risiko Reputasi Reputation Risk 209 Risiko Kepatuhan Compliance Risk 212 Profil Risiko Risk Profile 262 Permodalan Capital Tata Kelola Perusahaan Good Corporate Governance 268 Prinsip Tata Kelola Perusahaan Good Corporate Governance Principles 270 Program Penerapan dan Assessment GCG 2014 GCG Implementation and Assessment Program in Struktur Tata Kelola Perusahaan Corporate Governance Structure 327 Pemberitaan Media Massa Selama Tahun 2014 Media Coverage During Keterbukaan Informasi Information Disclosure Tanggung jawab sosial perusahaan Corporate Social Responsibility 354 Strategi Pelaksanaan CSR 2014 CSR Implementation Strategy in Aktivitas dan Program CSR CSR Activities and Programs 370 Struktur Organisasi Organization Structure 374 Alamat Kantor Cabang Branch Office Address