2017 Annual Report
IKHTISAR KEUANGAN Financial Highlights LAPORAN MANAJEMEN Management Report POSISI KEUANGAN Financial Performance (dalam juta rupiah) (in million Rupiah) URAIAN Description Total Aset 33.046.537 37.998.046 42.803.631 43.032.950 51.518.681 Total Assets Aset Produktif (Bruto) 34.642.275 39.553.887 45.517.791 43.897.053 51.308.745 Earning Assets(Gross) Kredit yang Diberikan (Bruto) 22.084.336 26.194.879 28.411.999 29.675.422 31.754.413 Loans (Gross) Dana Pihak Ketiga 25.987.820 30.270.324 34.263.920 32.798.657 39.845.108 Third Party Funds Total Liabilitas 27.327.874 31.954.411 36.508.170 35.823.378 43.702.607 Total Liabilities Total Ekuitas 5.718.663 6.043.635 6.295.461 7.209.572 7.816.074 Total Equity Modal Inti dan Pelengkap 4.713.157 5.640.051 5.818.258 6.856.176 7.213.983 Core & Supplementary Capital Modal inti (Tier 1) 4.506.788 5.390.033 5.552.634 6.580.009 6.928.285 Core Capital (Tier 1) Modal Disetor 3.729.421 3.729.421 3.729.421 3.736.264 3.743.648 Paid in Capital Laba Tahun Berjalan 824.312 939.084 885.708 1.028.216 1.159.370 Income for The Year TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2017 Responsibility for 2017 Annual Reporting PROFIL PERUSAHAAN Company Profile LABA ATAU RUGI KEUANGAN Financial Profit or Losse (dalam juta rupiah) (in million Rupiah) URAIAN Description Jumlah Pendapatan 3.797.991 4.484.876 5.107.167 5.254.675 5.254.994 Total Income Pendapatan Bunga. Margin Bagi Hasil Pendapatan Operasional Lainnya Pendapatan Non Operasional (Neto) 3.385.537 4.083.943 4.703.655 4.904.378 4.889.674 Interest and Sharia Income 361.218 372.877 339.158 349.751 371.186 Other Operating Income 43.423 24.490 64.354 546 (5.866) Non-Operating Income Jumlah Beban (2.644.481) (3.109.040) (3.845.914) (3.802.547) (3.618.053) Total Expenses Beban Bunga. Bonus & Bagi Hasil (913.320) (1.203.004) (1.579.710) (1.446.372) (1.404.762) Interest and Sharia Expense Beban Operasional Lainnya (1.723.348) (1.902.470) (2.266.204) (2.356.175) (2.213.291) Other Operational Expense Beban Non Operasional (7.813) (3.566) (5.114) (30.100) (38.582) Non-Operational Expense Laba Sebelum Pajak Penghasilan 1.153.510 1.375.836 1.261.253 1.452.128 1.636.941 Income Before Corporate Income Tax Laba Bersih 824.312 939.084 885.708 1.028.216 1.159.370 Net Income Laba Bersih per Saham Dasar* 55,26 62,95 59,29 68,88 77,51 Basic Earnings per Share* * Berdasarkan RUPS Luar Biasa 2012 disepakati Nilai nominal saham dari Rp1,000,000. - per saham Rp250, - per saham. * Berdasarkan RUPS Luar Biasa 2012 disepakati Nilai nominal saham dari Rp1,000,000. - per saham Rp250, - per saham. SUMBER DAYA MANUSIA Human Capital 31
RASIO KEUANGAN Financial Performance URAIAN Description Kewajiban Pemenuhan Modal Minimum (KPMM) 23,72 22,17 21,22 23,88 24,65 Capital Adequacy Ratio (CAR) Aset Tetap Terhadap Modal 9,16 10,41 11,86 18,61 19,68 Fixed Assets to Capital Kualitas Aset Produktif 2,38 2,20 2,92 3,22 2,85 Earning Assets Quality Kredit Bermasalah (NPL-Gross) 3,44 3,31 4,29 4,77 4,59 Non-Performing Loans (NPL- Gross) CKPN Terhadap Aset Produktif 1,87 1,98 2,67 3,46 3,06 Allowance for Impairment Losses (CKPN) on Earning Assets Pemenuhan PPAP/CKPN 38,99 58,02 60,99 76,46 74,19 PPAP/CKPN Fulfillment Laba Terhadap Aset 3,82 3,52 2,67 2,98 3,12 Return on Assets (ROA) Laba terhadap Ekuitas 19,04 18.98 16,11 17,82 17,43 Return on Equity (ROE) Margin Bunga Bersih 7,14 6,90 6,41 6,94 6,68 Net Interest Margin Rasio Fee Based Income dan Ujroh terhadap Total Pendapatan Operasional Biaya Operasional/ Pendapatan Operasional (BOPO) 11,51 9,93 8,80 8,39 8,39 Fee Based Income to Total Operational Income Ratio 70,28 69,63 76,12 72,22 68,63 Operational Cost/ Operational Income Rasio Efisiensi Biaya 65,39 62,09 49,17 49,49 52,72 Cost Efficiency Ratio (CER) Kredit terhadap Dana Pihak Ketiga (LDR) 84,98 86,54 82,92 90,48 79,69 Loans to Deposit Ratio Giro Wajib Minimum (Rupiah) 8,01 8,01 7,95 6,51 7,97 Minimum Current Account Liability(Rupiah) Giro Wajib Minimum (Valuta Asing) 20,42 18,24 21,06 10,73 14,94 Minimum Current Account Liability (Foreign Exchange) Posisi Devisa Netto (PDN) 1,21 1,94 1,60 3,53 1,19 Net Foreign Exchange Position INFORMASI TEKNOLOGI Information Technology ANALISA & PEMBAHASAN MANAJEMEN Management Discussion & Analysis TATA KELOLA PERUSAHAAN Good Corporate Governance Melalui mekanisme Penawaran Umum Perdana, Bank memperoleh penawaran umum dana sebesar Rp1,2 triliun dari 2,98 miliar saham. Ini mengangkat rasio kecukupan modal bank yang menurun secara bertahap sejak 2008-2011. TOTAL ASET TOTAL ASSETS Melalui mekanisme Penawaran Umum Perdana, Bank memperoleh penawaran umum dana sebesar Rp1,2 triliun dari 2,98 miliar saham. Ini mengangkat rasio kecukupan modal bank yang menurun secara bertahap sejak 2008-2011. TANGGUNGJAWAB SOSIAL PERUSAHAAN Corporate Social Responsibility Rp33.046.537,00 Rp37.998.046,00 Rp42.803.631,00 Rp43.032.950,00 Rp51.518.681,00 19,72% INFORMASI TAMBAHAN Additional Information TOTAL ASET TOTAL ASSETS (TOTAL ASET TOTAL ASSETS) LAPORAN KEUANGAN AUDIT Audited Financial Statement 2017 Annual Report 32
KREDIT YANG DIBERIKAN (KOTOR) TOTAL LOANS (BRUTO) Rp22.084.336,00 Rp26.194.879,00 Rp28.411.999,00 Rp29.675.422,00 Rp31.754.413,00 7,01% LAPORAN MANAJEMEN Management Report KREDIT YANG DIBERIKAN TOTAL LOANS (KREDIT YANG DIBERIKAN) (TOTAL LOANS) DANA PIHAK KETIGA THIRD PARTY FUNDS Rp39.845.108,00 TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2017 Responsibility for 2017 Annual Reporting Rp34.263.920,00 Rp32.798.657,00 Rp30.270.324,00 Rp25.987.820,00 21,48% DANA PIHAK KETIGA THIRD PARTY FUNDS (DANA PIHAK KETIGA) (THIRD PARTY FUNDS) PROFIL PERUSAHAAN Company Profile Rp5.718.663,00 Rp6.043.635,00 TOTAL EKUITAS TOTAL EQUITY Rp6.295.461,00 Rp7.209.572,00 Rp7.816.074,00 8,41% SUMBER DAYA MANUSIA Human Capital TOTAL EKUITAS TOTAL EQUITY (TOTAL EKUITAS) (TOTAL EQUITY) 33
Rp55,26 Rp62,95 LABA BERSIH PER SAHAM DASAR EARNINGS PER SHARE Rp59,29 Rp68,88 Rp77,51 INFORMASI TEKNOLOGI Information Technology 12,53% JUMLAH PENDAPATAN TOTAL EARNINGS DALAM RUPIAH IN RUPIAH (JUMLAH PENDAPATAN) (TOTAL EARNINGS) ANALISA & PEMBAHASAN MANAJEMEN Management Discussion & Analysis Rp824.312,00 Rp939.084,00 LABA BERSIH NET INTEREST INCOME Rp885.708,00 Rp1.028.216,00 Rp1.159.370,00 TATA KELOLA PERUSAHAAN Good Corporate Governance LABA BERSIH NET INTEREST INCOME (LABA BERSIH) (NET INTEREST INCOME) 12,76% TANGGUNGJAWAB SOSIAL PERUSAHAAN Corporate Social Responsibility 23,72% 22,17% 21,22% KPMM KPMM 23,88% 24,65% INFORMASI TAMBAHAN Additional Information 3,22% DALAM % IN % KPMM KPMM (KPMM KPMM) LAPORAN KEUANGAN AUDIT Audited Financial Statement 2017 Annual Report 34
NPL - KOTOR NPL - GROSS 3,44% 3,31% 4,29% 4,77% 4,59% 3,77% LAPORAN MANAJEMEN Management Report NPL - KOTOR NPL - GROSS DALAM % IN % (NPL - KOTOR NPL - GROSS) TANGGUNG JAWAB ATAS LAPORAN TAHUNAN 2017 Responsibility for 2017 Annual Reporting IKHTISAR SAHAM Share Highlights SUMBER DAYA MANUSIA Human Capital PROFIL PERUSAHAAN Company Profile 35