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Dalam rangka mewujudkan komitmen Bank dalam melaksanakan ketentuan Bank Indonesia khususnya Peraturan Bank Indonesia Nomor 8/4/PBI/2006 tentang Pelaksanaan Good Corporate Governance Bagi Bank Umum sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 8/14/PBI/2006, yang di dalamnya ditegaskan bahwa “Bank wajib menyusun laporan pelaksanaan Good Corporate Governance pada setiap akhir tahun buku” serta guna memenuhi transparansi pelaksanaan GCG Bank sebagaimana dimaksud di dalam Surat Edaran Bank Indonesia Nomor 15/15/DPNP tanggal 29 April 2013 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum, Bank Sulteng menyusun laporan Pelaksanaan Good Corporate Governance untuk tahun 2015 (periode Januari s/d Desember).
I. Pendahuluan
Pelaksanaan tata kelola perusahaan yang baik, atau yang biasa disebut dengan Good Corporate Governance adalah hal penting untuk mencapai misi demi mencapai pergerakan dan mendorong laju pertumbuhan perekonomian daerah. PT Bank Pembangunan Daerah Sulawesi Tengah yang selanjutnya disebut Bank Sulteng sebagai bank umum sangat menjunjung tinggi prinsip-prinsip tata kelola perusahaan yang baik (Good Corporate Governance) dan menyadari pentingnya penerapan prinsip-prinsip tersebut dalam setiap langkah usaha Bank demi kepentingan stakeholders seperti para nasabah, investor, para pemegang saham serta masyarakat umum, termasuk pegawai serta pihak lainnya.
In order to actualize the bank’s commitment in implementing the provisions of Bank Indonesia,
especially Regulation No. 8/4/PBI/2006 from Bank
Indonesia on Implementation of Good Corporate Governance for Commercial Banks as amended by
Bank Indonesia Regulation Number 8/I4/PBI/2006,
which emphasized that “Banks are required to report the implementation of Good Corporate Governance
at the end of each financial year” as well as to
meet the transparency of bank’s GCG as set forth in Bank Indonesia Circular Letter No. 15/15/DPNP dated 29 April 2013 on implementation of Good Corporate Governance for Banks, as compliance to aforementioned law and provisions, Bank Sulteng prepared a report on the implementation of Good Corporate Governance for the year 2015 (period of January to December).
I. Introduction
Implementation of good corporate governance, or referred to as GCG from this point forward is essential to accomplish the mission to achieve growth movement rate and expanding the regional economy. Regional Development Bank Sulteng hereinafter referred to as Bank Sulteng as a commercial bank upholds the principles of good corporate governance (GCG) and realize the importance of applying these principles in every of its business activity in the interests of stakeholders such as customers, investors, shareholders and the public in general, including employees and other parties.
Tata kelola perusahaan atau Good Corporate Governance bagi bank umum sesuai dengan Peraturan Bank Indonesia No. 8/4/PBI/2006 tanggal 30 Januari 2006 dan PBI NO. 8/14/PBI/2006 tanggal 5 Oktober 2006 tentang Perubahan atas PBI No. 8/4/ PBI/2006 tanggal 30 Januari 2006 serta Surat Edaran BI No. 15/15/DPNP tanggal 29 April 2013, dalam rangka meningkatkan kinerja Bank guna melindungi kepentingan stakeholders dan meningkatkan kepatuhan terhadap peraturan perundang- undangan yang berlaku, serta nilai-nilai etika yang berlaku umum pada industri perbankan, diperlukan pelaksanaan Good Corporate Governance secara tepat dan terukur. Dengan semakin kompleksnya Risiko yang dihadapi bank, maka semakin meningkat pula kebutuhan praktek Good Corporate Governance oleh perbankan.
Beberapa manfaat dari penerapan prinsip serta kaidah tata kelola perusahaan / GCG yang konsisten dan kontinyu, baik untuk bank daerah, para pemegang saham, pemangku kepentingan, serta nasabah antara lain adalah:
1. Meningkatnya kesungguhan manajemen dalam menerapkan prinsip-prinsip keterbukaan, akuntabilitas, tanggung jawab, independensi, kewajaran dan kehati-hatian dalam pengelolaan/ pengurusan Bank.
2. Meningkatnya kinerja Bank, efisiensi yang terukur, mengefektifkan manajemen dan meningkatkan pelayanan kepada stakeholders.
3. Meningkatnya minat dan kepercayaan investor, nasabah dan debitur serta para pemegang saham.
4. erlindunginya Bank dari intervensi eksternal dan tuntutan hukum.
Good Corporate Governance for commercial banks are in compliance with Bank Indonesia Regulation No.
8/4/PBI/2006 dated January 30, 2006 and PBI NO. 8/14/PBI/2006 dated October 5, 2006 on Amendments to Regulation No. 8/4/PBI/2006 dated January 30,
2006 and Circular Letter No. 15/15/DPNP April 29, 2013, in order to improve the performance of the Bank in order to protect the interests of stakeholders and improve compliance with the legislation in force, as well as ethical values generally accepted in the banking industry, required the implementation of Good Corporate Governance appropriately and measurable. With the increasing complexity of risks facing the bank, then also increase the need for good corporate governance practices by banks.
Some of the benefits of consistent and continuous
application of the GCG principles, both for the good of regional banks, shareholders, stakeholders, and customers which include:
1. The increasing amount of management sincerity in applying the principles of transparency, accountability, responsibility, independence, fairness and prudential banking in the management/maintenance of the Bank.
2. The increased performance of the Bank, the
measured efficiency, streamlined management
and service improvements to stakeholders. 3. Increased interest and confidence of investors,
customers and debtors and also shareholders. 4. The protection of Bank from external intervention
and lawsuits.
1. Dapat meminimalisir terjadinya fraud yang bisa merugikan Bank.
2. Dapat memberikan kontribusi laba yang optimal. Bank Sulteng, menaati peraturan yang sudah ditetapkan oleh Bank Indonesia yang dipaparkan di Peraturan Bank Indonesia No. 8/4/PBI/2006 tanggal 30 Januari 2006 dan PBI NO. 8/14/PBI/2006 tanggal 5 Oktober 2006 tentang Perubahan atas PBI No. 8/4/ PBI/2006 tanggal 30 Januari 2006 serta Surat Edaran BI No. 15/15/DPNP tanggal 29 April 2013 tentang Pelaksanaan Good Corporate Governance bagi Bank Umum, Bank Sulteng terus berupaya untuk melakukan peningkatan kinerja yang signifikan dengan tetap mengikut semua peraturan perundangan yang berlaku, juga nilai etika dan budaya yang ada demi terlindunginya kepentingan semua pihak.
1. Prinsip-Prinsip Utama Good Corporate
Governance
Pelaksanaan Good Corporate Governance pada industri perbankan harus senantiasa berlandaskan pada 5 (lima) prinsip dasar sebagai berikut:
• Transparansi (transparency) yaitu keterbukaan dalam mengemukakan informasi yang material dan relevan serta keterbukaan dalam melaksanakan proses pengambilan keputusan; • Akuntabilitas (accountability) yaitu kejelasan
fungsi dan pelaksanaan pertanggungjawaban organ Bank sehingga pengelolaannya berjalan secara efektif;
• Pertanggungjawaban (responsibility) yaitu kesesuaian pengelolaan Bank dengan peraturan perundang-undangan yang berlaku dan prinsip pengelolaan Bank yang sehat;
1. Minimize fraud occurrence that could be detrimental to the Bank.
2. Provide contribution of optimal profit.
Bank Sulteng, following the rules set by Bank Indonesia presented in Bank Indonesia Regulation
No. 8/4/PBI/2006 dated January 30, 2006 and PBI NO. 8/14/PBI/2006 dated October 5, 2006 on Amendments to Regulation No. 8/4/PBI/2006 dated
January 30, 2006 and Circular Letter No. 15/15/ DPNP dated 29 April 2013 on Implementation of Good Corporate Governance for Banks, Bank Sulteng
continue to strive to make a significant performance
improvement while still follow all applicable laws and regulations, as well as ethical values and culture that exist for the sake of protection of the interests of all parties.
1. Key Principles of Good Corporate Governance
Implementation of Good Corporate Governance in the banking industry should always be based
on five (5) basic principles which listed below:
• Transparency is the openness in expressing material and relevant information as well as
transparency in the decision making process; • Accountability, is the clarity of organ function
accountability and implementation from the bank
so that resulting in effective management; • Responsibility, is the Bank management’s
conformity with the legislation in force and the
principles of the bank’s sound management;
• Independensi (independency) yaitu pengelolaan Bank secara profesional tanpa pengaruh/tekanan dari pihak manapun; dan
• Kewajaran (fairness) yaitu keadilan dan kesetaraan dalam memenuhi hak-hak stakeholders yang timbul berdasarkan perjanjian dan aturan perundang-undangan yang berlaku. Pencantuman prinsip utama Good Corporate Governance (GCG) dalam Kebijakan Umum Direksi Tahunan (KUDT) bertujuan untuk mewujudkan keseragaman, kesatuan bahasa, kesamaan pandangan dan kesatuan gerak langkah operasional serta memastikan bahwa seluruhjajaran Bank Sulteng akan selalu berpedoman pada Good Corporate Governance (GCG) dalam menjalankan pekerjaannya sehari-hari. Dalam rangka meningkatkan penerapan praktik Good Corporate Governance (GCG) secara menyeluruh di Bank Sulteng seperti yang diisyaratkan oleh Bank Indonesia, Bank Sulteng telah merancang dan menyempurnakan pedoman kebijakan serta panduan implementasi Good Corporate Governance (GCG) sesuai ketentuan Bank Indonesia yang diatur di dalam Peraturan Bank Indonesia Nomor 8/4/ PBI/2006 tanggal 30 Januari 2006 sebagaimana telah diubah dengan Peraturan Bank Indonesia Nomor 8/14/PBI/2006 tanggal 5 Oktober 2006 serta Surat Edaran Bank Indonesia Nomor 9/12/DPNP tanggal 30 Mei 2007 tentang pelaksanaan Good Corporate Governance (GCG) bagi Bank Umum yang telah diubah menjadi Surat Edaran Bank Indonesia Nomor 15/15/DPNP tanggal 29 April 2014 perihal Pelaksanaan Good Corporate Governance (GCG) bagi Bank Umum.
• Independency, is the Bank management in a professional manner with no influence/pressure
from any party; and
• Fairness, is justice and equality in fulfilling
the rights of stakeholders that rise under the agreement and the applicable rules and law.
Inclusion of the main principles of Good Corporate Governance (GCG) in Directors Annual Public Policy aims to achieve uniformity, language unity, common vision and unity of operational movement and to ensure that all employees of Bank Sulteng will always be guided by the Good Corporate Governance (GCG) while on their daily work. In order to improve the application of the practice of Good Corporate Governance thoroughly in Bank Sulteng as implied by Bank Indonesia, Bank Sulteng has been designing and enhance guidance policy and implementation guidelines of Good Corporate Governance (GCG) in accordance with Bank Indonesia’s regulation Number
8/4/PBI/2006 dated January 30, 2006 as amended by Bank Indonesia Regulation No. 8/14/PBI/2006 dated
October 5, 2006 and Bank Indonesia Circular Letter No. 9/12/DPNP on May 30, 2007 concerning the implementation of the Good Corporate Governance (GCG) for commercial banks that have been converted into Bank Indonesia Circular Letter No. 15/15/DPNP April 29, 2014 concerning the Implementation of Good Corporate Governance (GCG) for Commercial Banks.
2. Penerapan Good Corporate Governance
Penerapan Good Corporate Governance (GCG) harus melakukan penilaian sendiri (self- assessment) secara berkala meliputi 11 (sebelas) faktor penilaian pelaksanaan GCG, yaitu:
• Pelaksanaan tugas dan tanggung jawab Dewan Komisaris
• Pelaksanaan tugas dan tanggung jawab Direksi • Kelengkapan dan pelaksanaan tugas Komite • Penerapan benturan kepentingan
• Penerapan fungsi kepatuhan • Penerapan fungsi audit intern • Penerapan fungsi audit ekstern
• Penerapan manajemen Risiko termasuk sistem pengendalian intern
• Penyediaan dana kepada pihak terkait (related party) dan penyediaan dana besar (large exposures)
• Transparansi kondisi keuangan dan non keuangan Bank laporan pelaksanaan GCGdan pelaporan internal dan
• Rencana strategis Bank.
Penilaian terhadap pelaksanaan Good Corporate Governance (GCG) yang dikelompokkan dalam suatu Governance system yaitu:
1. Governance structure; 2. Governance process; dan 3. Governance outcome.
2. Good Corporate Governance Implementation
Implementation of Good Corporate Governance
(GCG) should conduct its own assessment (self-
assessment) regularly include 11 (eleven) GCG implementation assessment factors listed below:
• Implementation of duties and responsibilities of the Board of Commissioners
• Duties and responsibilities of the Board of Directors
• Completion and implementation of the Committee
• Implementation of conflict of interest
• Implementation of compliance
• Application of the internal audit function
• Application of external audit function
• Application of risk management including internal control systems
• Funds provisioning to related parties and large exposures
• Transparency of financial and non-financial Bank
report on the implementation GCG and internal reporting
• Last, Bank’s strategic plan.
An assessment of the implementation of Good Corporate Governance (GCG), which are grouped in a governance system, listed below:
1. Governance structure;
2. Governance process;
3. Governance outcome.
3. Visi, Misi, Motto dan Corporate Values
Visi Bank Sulteng
Menjadi bank daerah terpercaya di Indonesia, terdepan di daerah, memahami kebutuhan nasabah, memberikan solusi keuangan yang tepat, membangun kemitraan yang saling menguntungkan dan berkelanjutan.
Misi Bank Sulteng
• Memberikan layanan terbaik kepada nasabah dengan tetap memperhatikan prinsip kehati- hatian.
• Mengoptimalkan peranan Bank Sulteng sebagai lembaga intermediasi dengan tetap fokus pada penyediaan pembiayaan bagi pelaksanaan usaha pembangunan daerah.
• Sebagai motor penggerak pertumbuhan perekonomian dan pembangunan daerah dalam rangka meningkatkan taraf hidup rakyat.
• Senantiasa meningkatkan penerapan prinsip Good Corporate Governance.
Motto
One Goal, One Team, One Spirit
1. Nilai-Nilai Budaya (Six Core Value) yang dianut Bank Sulteng:
2. Integrity: Bekerja dengan dasar integritas yang tinggi (integrity) jujur, berprilaku konsisten serta berpegang teguh pada prinsip kebenaran untuk menjalankan apa yang dikatakan secara bertangung jawab.
3. Bank Sulteng Vision, Mission, Motto and Corporate Values
Bank Sulteng Vision
Being a reliable regional bank in Indonesia, leading in the area, understand the customers’ needs, providing
therightfinancialsolutions, buildamutuallybeneficial
partnership and sustainable.
Bank Sulteng Mission
• Provide the best service to customers with regard to the precautionary principle.
• Optimizing the role of the Bank Sulteng as intermediary institutions to remain focused on
providing financing for the implementation of
regional development efforts.
• As a driving force of economic growth and regional development in order to improve people’s living standard.
• Constantly improving the application of the principles of Good Corporate Governance.
Motto
One Goal, One Team, One Spirit
1. Cultural Values (Six Core Value) adopted by the Bank Sulteng:
2. Integrity: Working on the basis of high integrity, honest, behave consistently, and hold fast to the principle of truth for good responsibility.
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1. Customer Focus: Selalu fokus kepada nasabah, dengan tulus membangun kepercayaan dan hubungan baik serta berorientasi pada kebutuhan nasabah yang menghasilkan nilai tambah bagi perusahaan.
2. Enthusiasm: Enerjik dan bersemangat tinggi didalam menghadapi setiap tantangan, dorongan motivasi atau energi yang berasal dari dalam diri untuk tampil kerja sebaik mungkin dalam mencapai prestasi yang optimum.
3. Influence: Mampu memotivasi rekan-rekan sekerja dan lingkungan untuk mencapai visi bank. Kemampuan memotivasi, meyakinkan, mempengaruhi ataupun mengajak orang lain atau tim untuk mencapai tujuan bersama. 4. Execution: Selaku fokus kepada implementasi,
tindak lanjut serta pencapaian hasil-hasil guna memberikan nilai tambah dan kontribusi kepada bank sulteng (action). Kemampuan mengambil keputusan dan menetapkan tindakan yang tepat dan cepat untuk mewujudkan harapan dan membuat sesuatu terjadi dengan nilai tambah yang tinggi.
5. Adaptability: Selalu siap menghadapi perubahan baik intern maupun ekstern. Kemampuan untuk menyesuaikan diri terhadap berbagai perbedaan dan perubahan serta lingkungan termasuk antar individu dan kelompok dalam rangka memperoleh hasil yang lebih baik.
1. Customer Focus: Always focus on clients, build sincere trust and rapport, oriented to the customers need to create added value for the company.
2. Enthusiasm: Energetic and high spirits to face every challenge, encouragement or energy that comes from within ourselves to perform the best in achieving optimum work.
3. Influence: Able to motivate co-workers and, if
possible, the environment to achieve the bank’s vision. The ability to motivate, persuade, influence another person or team to achieve a common goal.
4. Execution: As the main focus to implementation,
follow-up and achievement of results in order to
provide added value and contribution to the Bank Sulteng. The ability to make decisions and assign the appropriate action and quick to realize the hopes and make something happen with high added value.
5. Adaptability: Always prepared for change both internally and externally. The ability to adjust to the differences and changes as well as the environment, including among individuals and groups in order to obtain better results.
4. Struktur Organisasi Good Corporate Governance
Pelaksanaan Good Corporate Governance (GCG) di Bank Sulteng berlandaskan pada komitmen bersama dari seluruh jajaran manajemen dan karyawan untuk tunduk dan patuh pada seluruh peraturan dan perundangan yang berlaku. Hal ini dimulai dari puncak kepengurusan Bank Sulteng yang dilakukan oleh Dewan Komisaris dan Direksi yang independen dan profesional.
Secara umum, kegiatan perbankan dilakukan oleh Komisaris dan Direksi. Komisaris mengkaji kebijakan-kebijakan dan melaksanakan pengawasan serta memberikan saran terhadap pengelolaan Bank, sedangkan Direksi memimpin pelaksanaan kebijakan dan pengelolaan sehari-hari.
Struktur Organisasi Bank Sulteng sesuai dengan Surat Keputusan Direksi Nomor 15/SK/BPD-ST/2014 tanggal 1 April 2014 sebagai berikut: (STRUKTUR ORGANISASI.DOCX)
4. GCG Organizational Structure
Bank Sulteng’s implementation of Good Corporate Governance (GCG) is based on the joint commitment of all management and employees to obey all laws and regulations in force. It starts from peak stewardship Bank Sulteng conducted by both of the independent and professional Board of Commissioners and Directors.
In general, banking activities conducted by the Commissioner and the Board of Directors. Commissioners review policies and carry out surveillance and provide advice to bank’s management, while the Board of Directors to lead the implementation of policies and everyday management.
Organizational Structure Bank Sulteng in accordance
with the Decree of the Board No. 15/SK/BPD-ST/2014 April 1, 2014 as follows: (STRUKTUR ORGANISASI -
ENG.DOCX)
II. Pelaksanaan Good Corporate Governance di Bank Sulteng
1. Pelaksanaan Tugas dan Tanggung Jawab Dewan
Komisaris dan Direksi 1.1 Dewan Komisaris
• Jumlah dan Komposisi Dewan Komisaris
Sesuai dengan Keputusan Rapat Umum
II. Implementation of Good Corporate Governance in Bank Sulteng
1. Duties and Responsibilities of the Board of Commissioners and Board of Directors 1.1 Board of Commissioners
• Amount and Composition of BOC
In accordance with the resulting decision of the Pemegang Saham Luar Biasa PT Bank
Pembangunan Daerah Sulawesi Tengah, Akta Notaris Nomor: 16 tanggal 12 Mei 2014.
Extraordinary General Meeting of Shareholders of Regional Development Bank of Sulteng, on Notarial Deed No. 16 dated May 12, 2014.
• Fungsi dan Tugas Pokok Dewan Komisaris
Dewan Komisaris Sesuai dengan Surat Keputusan Dewan Komisaris Nomor:
01/DK/BPD-ST/IV/2013 menjelaskan bahwa Tugas dan Tanggung Jawab Dewan Komisaris sebagai berikut:
• Principal Functions and Duties of BOC
BOC accordance with BOC Decree No.:
01/DK/BPD-ST/IV/2013 explained that the
Duties and Responsibilities of the Board of Commissioners is as follows:
1. Melakukan pengawasan secara umum dan secara khusus terhadap pengelolaan operasional bank oleh Direksi.
1. General and specific supervision to the bank’s
management and operations led by the Board of Directors.
• Pengawasan Umum:
Melakukan pemantauan, pengawasan serta evaluasi terhadap proses pelaksanaan kebijakan strategis yang dilakukan Direksi, antara lain rencana bisnis dan rencana strategis bank, Standar Operasional Prosedur, Struktur Organisasi Bank, Implementasi Good Corporate Governance, Kerjasama dengan pihak ketiga. Dalam rangka pelaksanaan tugas Pengawasan Umum dimaksud dengan kegiatan-kegiatan yang dilakukan adalah:
• General supervision:
Perform monitoring, control and evaluation of strategic policies implementation that the Board of Directors have carried out, which including the business and strategic plan of the bank, Standard Operational Procedures, Bank Organizational Structure, Implementation of Good Corporate Governance, cooperation with third parties. The implementation framework of the Public Oversight tasks referred to the activities which has been carried out is as follows:
Melakukan rapat Internal Dewan Komisaris, Rapat dengan Direksi Bank Indonesia/OJK dan Pemegang saham pengendali baik rutin maupun berkala, guna memastikan bahan Rencana Bisnis Bank dan rencana strategis Bank, Standar Operasional Prosedur, Struktur Organisasi Bank telah di susun sesuai dengan standar-standar Perbankan yang berlaku serta memperhitungkan kemampuan Internal Bank seperti Sumber Daya Manusia, Informasi Teknologi, Modal serta capaian-capaian sebelumnya serta melakukan pemantauan, pengawasan dan evaluasi terhadap realisasi pencapaian hasil sesuai target yang telah ditetapkan.
• Pengawasan Khusus
Melakukan pemantauan, pengawasan serta evaluasi terhadap pencapaian target-target Rencana Bisnis Bank, hasil temuan S.K.A.I dan Eksternal Audit, tindak lanjut atas pelaksanaan Internal Audit dan Eksternal Audit serta saran dan Rekomendasi Dewan Komisaris.
2. Memberikan nasihat-nasihat yang dianggap perlu kepada Direksi agar pelaksanaan operasional bank tetap berjalan sesuai dengan target-target bisnis yang telah ditetapkan dan sesuai dengan peraturan perundang-undangan yang berlaku. Kewenangan Dan Tanggung Jawab Dewan Komisaris Kewenangan Dewan Komisaris
• Melakukan pengawasan atas pelaksanaan Operasional Bank yang dilaksanakan oleh Direksi Bank Sulteng.
Internal Meetings Board of Commissioners, meeting with the Board of Directors of Bank Indonesia/FSA and the shareholders controlling both in routine and periodically, in order to ensure that the material Bank’s business plan and strategic plan of the Bank, Standard Operating Procedures, Organizational Structure The Bank has been collated in accordance with the