Komite-komite di Bawah Dewan Komisaris
PERSETUJUAN RUPS
Sampai dengan 31 Desember 2009, tidak terdapat transaksi yang masih menunggu persetujuan RUPS.
23. PROGRAM ANTI PENCUCIAN UANG DAN PENCEGAHAN PENDANAAN TERORISME (APU DAN PPT)
Bank DKI telah menerapkan Anti Pencucian Uang dan
Pencegahan Pendanaan Terorisme (APU dan PPT) pada seluruh kantor cabang dan cabang pembantu. Penerapan tersebut telah sesuai dengan ketentuan Bank Indonesia sebagaimana tercantum dalam Peraturan Bank Indonesia No. 11/28/PBI/2009 tanggal 1 Juli 2009 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum dan Surat Edaran Bank Indonesia No. 11/31/DPNP tanggal 30 November 2009 perihal Pedoman Standar Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme Bagi Bank Umum; sesuai dengan Undang-undang Np.15 tahun 2002 sebagaimana telah diubah dengan Undang-undang No. 25 tahun 2003 tentang Tindak Pidana Pencucian Uang.
Dalam menerapkan program APU dan PPT, Bank DKI telah melakukan beberapa hal sebagai berikut:
a. Menyempurnakan Buku Pedoman Perusahaan untuk dijadikan pedoman bagi unit-unit kerja operasional maupun non-operasional dalam melaksanakan penerapan program APU dan PPT pada unit kerja terkait.
b. Menyempurnakan sistem informasi yang dapat
mengidentiikasi, menganalisa, memantau dan
menyediakan laporan secara efektif mengenai karakteristik transaksi yang dilakukan oleh nasabah,
20. BUY BACK BONDS
Throughout 2009, Bank DKI never repurchases the bond that has been issued.
20.1. Bond Rating
Pt Pemeringkat Efek Indonesia (Pt Peindo) has increased the ratings for Bank DKI for the period of 30 December 2009 until 1 January 2011, from idA- to id A with stable outlook. As for Bond V of 2008 wich amounting to Rp425 biilion was also raised from idA- to id A with stable outlook. While the 2008 Subordinated Bond I which amounting to Rp325 billion was raise from idBBB+ to idA- with stable outlook as stipulated on the Letter No. 006/ PEF-Dir?I/2010, 007/PEF-Dir/I/2010 and 008/PEF- Dir/I/2010 dated on 4 January 2010.
21. FUNDING FOR SOCIAL AND POLITICAL ACTIVITIES Throughout 2009, the Bank is wholly uninvolved in political activities, including in granting donations for political interests.
22. TRANSACTIONS THAT STILL REQUIRE THE GMS APPROVAL
There was no transaction that still awaits the decision of the AGM as of 31 December 2009.
23. ANTI MONEY LAUNDERING AND PREVENTIVE FUNDING FOR TERORISM (AML AND PFT) PROGRAMS
Bank DKI has implemented the Anti Money laundering (AML) and Preventive Funding for Terorism (PFT) principles towards all branch ofices and sub-branch ofices. the implementation is in accordance with Bank Indonesia regulation as stipulated in PBI No. 11/28/PBI/2009 dated 1 July 2009 concerning the implementation of Anti Money Laundering Program and Preventive Funding for Terorism (PFT) for Commercial Bank as well as Circular Letter of Bank Indonesia No. 11/31/DPNP dated 30 November 2009 regarding the Standard Manual for the Implementation of AML and PFT for Commercial Bank; that adheres with Law No. 15 of 2002 amended with Law No. 25 Year 2003 on Anti Money Laundering Act.
In applying the AML and PFT programs, Bank DKI has undertaken the following actions as follow:
a. Perfecting the Bank’s Guideline Book to be refered as a guideline of every operational and non-operational working unit in applying the AML and PFT programs to the related working unit.
b. Perfecting the information system that can identify, analyze, monitors and provides reports effectively concerning the transactions characteristic which was executed by customer, including identifying the existence
termasuk mengidentiikasi terjadinya transaksi keuangan
mencurigakan (suspicious transaction), serta pelaporan transaksi keuangan mencurigakan dan transaksi keuangan tunai kepada Pusat Pelaporan dan Analisis Transaksi Keuangan (PPATK).
c. Memelihara proil nasabah dengan melakukan pengkinian
data terhadap informasi dan dokumen sesuai dengan ketentuan, sehingga keakuratan informasi dan dokumen dapat terjamin, serta mentatausahakannya.
d. Melakuan sosialisasi kepada seluruh karyawan secara berkala baik secara internal maupun eksternal.
Dalam rangka turut memberantas tindak pidana pencucian uang dan pencegahan pendanaan terorisme, Bank DKI berkomitmen melaksanakan program APU dan PPT sesuai dengan ketentuan yang berlaku serta mempertahankan standar yang tinggi terhadap penerapan Prinsip Mengenal Nasabah (PMN), serta menjaga Anti Tipping Off yaitu larangan memberikan keterangan kepada pihak yang tidak berhak.
Bank DKI setiap tahun diaudit oleh Bank Indonesia dan PPATK guna memastikan kepatuhan dalam pelaksanaan ketentuan dan peraturan yang berlaku.
Pelatihan dan sosialisasi telah dilaksanakan secara berkala sejak tahun 2002 sampai dengan saat ini, baik dilakukan secara intern maupun ekstern dengan tujuan untuk meningkatkan pengetahuan dan pemahaman mengenai PMN dan implementasi di unit kerja. Bank DKI telah membentuk unit kerja khusus yang menangani pelaksanaan program APU dan PPT, yaitu Unit Kerja Prinsip Mengenal Nasabah (UKPN) yang langsung di bawah Supervisi Direktur Kepatuhan sebagaimana keputusan Direksi No. 16 tahun 2009 tanggal 3 Februari 2009 tentang Penyempurnaan Struktur Organisasi PT Bank DKI.
24. TANGGUNG JAWAB SOSIAL PERUSAHAAN Selama tahun 2009, Bank DKI telah melakukan berbagai aktivitas yang berkaitan dengan tanggung jawab sosial perusahaan, yang mana pembahasan secara lebih detail disajikan pada pembahasan tersendiri pada halaman 152 dari laporan tahunan ini.
25. KELENGKAPAN TATA KELOLA PERUSAHAAN Selain struktur tata kelola perusahaan, Bank DKI juga telah menyusun kelengkapan pendukung implementasi tata kelola perusahaan sesuai standar praktik terbaik. Kelengkapan tersebut mencakup standar etik perusahaan serta berbagai standar prosedur operasional yang diaplikasikan di seluruh operasional Bank DKI.
25.1 Kode Etik
Bank DKI berupaya menumbuhkan budaya perusahaan yang menekankan perilaku profesional, keterbukaan, tanggung jawab, akuntabilitas
of suspicious inancial transactions and the reporting of suspicious transaction and cash transaction to the Center of Reporting and Analysis of Financial Transactions (PPATK). c. Maintaining a customer proile by undertaken the updating
data on every informations and documents that is in accordance with the regulation, so that the accuracy of those information and document could be guaranteed and adminitered.
d. Executing regular socialization, both internal and external to all employees.
To participate in the eradication of money laundering and preventive funding for terorism, Bank DKI is committed to maintain high standards towards the principles of Anti Money Laundering and Preventive Funding for Terorism that adheres with prevailing regulation and keep a higher standard for the implementation of Know Your Customer (KYC) principles as well as maintaining the Anti tipping Off regulation which deined as prohibition to provide information to unrightful parties. To ensure the compliance in the implementation of prevailing regulations, Bank DKI is being audited by Bank Indonesia and PPATK, each year.
Since 2002 to date, the Bank had execute a periodic training and socialization both internal and external in order to enhance the knowledge and understanding of PMN and its implementation at each working unit.
Furthermore, in order to execute the Know Your Customer principle, the Management forms the UKPN (Know Your Customer Work Unit) which directly supervized by the Compliance Director, in accordance with Directors Decree No. 16 year 2009 concerning the Perfection of the Organization of Bank DKI.
24. CORPORATE SOCIAL RESPONSIBILITY In 2009, Bank DKI had engaged in several activities that relates to the corporate social responsibility, whereby further explanation is presented on page 152 of this Annual Report.
25. GOOD CORPORATE GOVERNANCE TOOLS Besides the Corporate Governance structure, Bank DKI has also composed the appendages of supports for the implementation of Corporate Governance in accordance with the standards of best practice. These appendages include the ethical standards of the company and various standards of procedures of operations applied throughout the operational activity of Bank DKI.
25.1. Code of Ethics
Bank DKI tries to build a corporate culture that emphasizes a professional principle such as openness, responsibility, accountability and fairness
dan kewajaran sebagi unsur-unsur Tata Kelola Perusahaan yang Baik. Dengan Visi dan Misi yang baru, telah tertransformasikan rumusan budaya kerja yang digali dari proses internalisasi yang menjadi panduan bagi seluruh karyawan Bank DKI sekaligus sebagai code of conduct ataupun sebagai kode etik dalam melaksanakan tugas sehari-hari. Rumusan budaya kerja itu terangkum sebagai nilai- nilai budaya kerja yang terdiri dari:
1. Komitmen, yaitu pernyataan nilai dari
menjunjung tinggi nilai-nilai yang disepakati dan bertanggung jawab dengan sepenuh hati. 2. Teamwork, yaitu pernyataan nilai dari kerjasama
yang didasari semangat saling menghargai dan menghormati untuk mencapai hasil yang terbaik. 3. Profesional, yaitu pernyataan nilai dari
melaksanakan tugas sesuai dengan keahlian, ketrampilan dan pengetahuan di bidangnya untuk mencapai kinerja terbaik dengan tetap menjunjung tinggi kode etik bankir.
4. Pelayanan, yaitu pernyataan nilai dari memberikan layanan terbaik kepada seluruh nasabah dengan sikap ramah, sopan, tulus dan rendah hati sehingga dapat memberikan kepuasan. 5. Disiplin, yaitu pernyataan nilai dari
melaksanakan tugas secara tepat waktu, tepat guna, dan tepat manfaat.
6. Kerja keras, yaitu pernyataan nilai dari
melaksanakan tugas dengan segala daya upaya untuk mencapai hasil terbaik.
7. Integritas, yaitu pernyataan nilai dari membangun kepercayaan dengan menjaga kejujuran, tanggung jawab, moral, serta satu kata dengan perbuatan.
26. PERISTIWA PENTING SETELAH TANGGAL NERACA a. Berdasarkan Rapat Umum Pemegang Saham Luar Biasa
pada tanggal 14 Januari 2010 yang risalah rapatnya didokumentasikan dalam Akta Notaris Ny. Poerbaningsih Adi Warsito, S.H. No. 12 tanggal 14 Januari 2010, secara musyawarah menyetujui:
a.1. Pengesahan Penyertaan Modal Pemerintah Provinsi Daerah Khusus Ibukota Jakarta sebesar Rp10.834.562.950 dengan rincian:
• sebanyak Rp10.834.000.000 menjadi tambahan
untuk pemenuhan modal disetor Pemerintah Provinsi Daerah Khusus Ibukota Jakarta.
• sebanyak Rp562.950 dimasukkan sebagai
cadangan modal disetor.
Dengan adanya tambahan modal tersebut maka susunan kepemilikan saham menjadi sebagai berikut:
as part of the Good Corporate Governance aspects. With the new vision and mission, the Bank has transformed its corporate culture that was derived from an internal process that serves as a formula for all of Bank Dike’s employees while, at the same time, serves as the code of conduct or even as the code of ethics for executing its tasks on a daily basis. The formula for corporate culture is embedded as its corporate values that comprise of the following: 1. Commitment, in the form of a values statement
that upholds the agreed values and responsible in wholeheartedly.
2. Teamwork, in the form of statement values to work together on the basis of mutual respect, sprit and recognition to achieve an optimum results. 3. Professional, in the form of a statement values
from implementing tasks in accordance with one’s expertise, skill and knowledge within their respective ields to achieve optimum performance by upholding the banker’s code of ethics. 4. Service, deined as the form of a statement
values to provide the best service to all customers in a polite, friendly, honest, and humble manner to achieve customer satisfaction.
5. Discipline, deined as the form of a statement values that calls for the implementation of tasks on a timely, effective and eficient manner. 6. Hard Work, deined as the form of a statement
values in implementing tasks with all effort to achieve the best results.
7. Integrity, deined as the form of a statement values that builds trust by upholding honesty, responsibility, morals, and unity in action. 26. SUBSEQUENT EVENTS
a. Based on the Extraordinary General Meeting of Shareholders on 14 January 2010, as stated on Notarial deed No. 12 dated on 14 January 2010 that was made and witnessed by Ny. Poerbaningsih Adi Warsito S.H., the meeting, under unanimous decision had given its approval on the followings:
a.1. the ratiication of Equity Placement of the Provincial Government of DKI Jakarta for a total of Rp10.834.562.950 with details as follows:
• A total of Rp10.834.000.000 placed as additional paid-in capital from Provincial Government of DKI Jakarta.
• A total of Rp562.950 placed as reserved paid-in capital.
With these additional capital, the composition of shareholders are as follows:
dalam Rupiah Jumlah Lembar Total Shares Persentase Percentage Jumlah Total Saham Seri A (Monumen Nasional)
Pemerintah Propinsi DKI Jakarta 200.000 32,72 200.000.000.000
Provincial Government of DKI JAkarta’s Shares of Series A (National Monument) Saham Seri B Pemerintah Propinsi DKI
Jakarta 410.159 67,11 410.159.000.000
Provincial Government of DKI JAkarta’s Shares of Series B
PD Pasar Jaya 1.000 0,17 1.000.000.000 PD Pasar Jaya
Jumlah 611.159 100 611.159.000.000 Total
a.2. Pemberhentian dengan hormat Direksi Bank dan pengangkatan Direksi Bank sementara sampai ditetapkan
Direksi Bank yang deinitif yaitu seluruh Direksi kecuali
Direktur Pemasaran yaitu Muhamad Irfandi, sehingga susunan Direksi Bank menjadi sebagai berikut: Direktur Utama : Winny Erwindia Direktur Kepatuhan : Aris Anwari Direktur Keuangan : Mamad Sachroni Direktur Operasional : Ilhamsyah Joenoes b. Berdasarkan Keputusan DIrektur Jenderal Pajak
No. KEP-00008.PPH/WPJ.06-KP.1203/2010 tanggal 18 Januari 2010, diputuskan pengembalian kelebihan Pembayaran Pajak PPh Pasal 25/29 Badan Tahun 2006 sebesar Rp1.228.771.982 atau sebesar Rp2.152.243.600 diperhitungkan dengan hutang pajak penghasilan pasal 23
dan pasal 4(2) inal sebesar Rp923.471.628
c. Pada tanggal 10 Maret 2010 Bank telah menerima pembayaran dari Bank Indover sebesar Rp2.623.945.214 atau Euro 193.757,34 melalui Deutsche Bank AG Frankfurt. d. Sehubungan dengan Surat Edaran Bank Indonesia
(SE-BI) No. 11/33/DPNP tanggal 8 Desember 2009 tentang penerapan PAPI (revisi 2008) terkait dengan penerapan PSAK No. 50 (Revisi 2006), “instrumen Keuangan: Penyajian dan Pengungkapan”, serta PSAK No. 55 (Revisi 2006), “instrumen Keuangan: Penyajian dan Pengukuran”, yang berlaku secara prospektif untuk periode yang dimulai pada tanggal 1 Januari 2010, Bank telah menerapkan secara bertahap kedua PSAK tersebut dan direncanakan dapat diterapkan secara menyeluruh paling lambat tanggal 31 Desember 2011.
Disamping itu Bank telah menyampaikan laporan realisasi action plan penerapan PSAK No. 50 (Revisi 2006) dan PSAK 55 (Revisi 2006) kepada Bank Indonesia melalui surat Bank No. 03/DIR/GPS/I/2010 tanggal 28 Januari 2010.
27. KESIMPULAN UMUM HASIL SELF ASSESSMENT PELAKSANAAN GOOD CORPORATE GOVERNANCE Berdasarkan Peraturan Bank Indonesia No. 8/4/PBI/2006 jo. Peraturan Bank Indonesia No. 8/14/PBI/2006 dan Surat Edaran Bank Indonesia No. 9/12/DPNP tanggal 30 Mei 2007 perihal: Pelaksanaan Good Corporate Governance bagi Bank Umum, Bank wajib melakukan penilaian (self assessment) atas
a.2. Respectfully dismissed the Board of Directors and temporarily appointed the Acting BOD except the Marketing Director, Muhamad Irfandi, until a deinitive composition is determine, thus the composition of the BOD is as follows:
Winny Erwindia : President Director Ilhamsyah Joenoes : Operations Director Mamad Sachroni : Finance Director Aris Anwari : Compliance Director b. Based on General Director of Tax’s Decision
No. KEP-00008.PPH/WPJ.06-KP.1203/2010 dated
18 January 2010, that determine to return the Over Payment of Income Tax Article 25/29 of 2006 which amounting to Rp1,228,771,982 or at the amount of Rp2,152,243,600 that was calculated as inal tax payable of article 23 and article 4(2) which amounting to Rp923,471,628
c. On 10 March 2010, the Bank had received payment from Bank Indover which amounted to Rp2,623,945,214 or Euro193,757.34 through Deutsche Bank AG Frankfurt. d. In relation to the Circular Letter of Bank Indonesia No.
11/33/DPNP dated 8 December 2009 regarding the PAPI application (2008 revised) that related to the application of PSAK No. 50 (2006 revised),”Financial Instruments: Presentations and Disclosures”, and PSAK No. 55 (2006 revised), “Financial Instruments: Presentations and Measurements”, that valid prospectively for the period of 1 January 2010, the Bank had gradually implement the two PSAK and planed to thoroughly implement it at the latest is by 31 December 2011.
In addition to that, the Bank had submitted the realization report on the implementation of PSAK No. 50 (2006 revised) and PSAK 55 (2006 revised) to Bank Indonesia trhough the Letter No. 03/DIR/GPS/I/2010 dated 28 January 2010. 27. GENERAL OVERVIEW OF THE SELF ASSESSMENT
ON THE IMPLEMENTATION OF GOOD CORPORATE