Bank Agris Tbk 2015 Bank Agris Tbk 2015

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LAPORAN

TAHUNAN

ANNUAL REPORT

2015

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51

Target dan Pencapaian Tahun 2015 Projection and Realization in 2015

Perubahan Kebijakan Akuntansi Changes in Accounting Policy

Ikatan Material atas Investasi Barang Modal Material Bond towards Investment Capital Goods

Informasi Material Mengenai Investasi, Ekspansi, Divestasi, Akuisisi dan Restrukturisasi Hutang/Modal Material Information Regarding Invesments, Expansion, Divestment, Acquisition and Restructuring Debt/Capital

Informasi dan Fakta Material Setelah Tanggal Laporan Akuntan

Information and Material Facts Subsequent Accounting Reports

Perubahan Peraturan Perundang-undangan Changes in Legislation

Realisasi Dana Penawaran Umum Public Offering Realization

Transaksi yang Mengandung Benturan Kepentingan dan Transaksi dengan Afiliasi

Conflict of Interest Transactions and Transactions with Affiliates

Komite-komite Lain di Bawah Dewan Komisaris Other Committees under the Board of Commissioners

Komite-komite di Bawah Direksi

Committees under the Board of Directors

Tanggung Jawab Lingkungan Environmental Responsibility

Tenaga Kerja, Kesehatan, dan Keselamatan Kerja Labour, Health and Work Safety

Pengembangan Sosial dan Komunitas Social and Community Development

Tanggung Jawab Kepada Konsumen Corporate Social Responsibility to Customers Sekretaris Perusahaan

Perkara Penting yang Dihadapi Perusahaan Legal Matters Confronting by the Company

Akses Informasi dan Data Perusahaan Access of Information and Corporate Data

Kode Etik

62 TATA KELOLA PERUSAHAAN

YANG BAIK

88 TANGGUNG JAWAB SOSIAL

& LINGKUNGAN

Report from the Board of Commissioners

Profil Dewan Komisaris

The Board of Commissioners Profile

Laporan Direksi

Report from the Board of Directors

Profil Direksi

The Board of Directors Profile

Profil Pejabat Eksekutif

Prospek dan Strategi Usaha Perseroan Prospect & Business Strategy of the Company 05 Ikhtisar Keuangan

Hasil Rapat Umum Pemegang Saham Tahun 2015 Result of Annual General Meeting of

Shareholders in 2015

Program Kepemilikan Saham oleh Karyawan dan/atau Manajemen (ESoP/MSoP)

Share Ownership Program by Employees and/or Management (ESOP/MSOP)

Komposisi Pemegang Saham Shareholders Composition

Kebijakan Dividen dan Jumlah Dividen Dividend Policy and Total Dividend

06 INfORMASI BAGI INVESTOR

inFormation For investors

10 LAPORAN MANAJEMEN

manaGement report

44 ANALISA dAN PEMBAHASAN

MANAJEMEN

Vision and Mission of the Company

Struktur organisasi Organizational Structure

Perusahaan dalam Satu Kelompok Usaha dengan Bank Companies in One Business Entity with the Bank

Mitra Usaha Business Partners

Lembaga Penunjang Pasar Modal

Capital Market Institution and Professionals

Peta Wilayah dan Jaringan Kantor Map Area and Office Network

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IKHTISAR KINERJA

dalam jutaan Rupiah / in Million Rupiah

2014

Interest Income - Net

+54,09 %

JUMLAH ASET

Total Assets

+2,83 %

dANA PIHAK KETIGA

Third Party Funds

+0,33 %

Performance Highlights | Annual Report 2015 | PT Bank Agris Tbk | 5

IKHTISAR KEUANGAN

FINANcIAL HIgHLIgHTS

deskripsi /

Description

2015

2014

2013

LAPORAN KEUANGAN /FINANCIAL REPORT

(Dalam Jutaan Rupiah / In Millions of Rupiah)

Pendapatan Bunga Bersih / Interest Income Net

Laba operasi / Operating Income

Laba Sebelum Pajak / Income Before Tax

Laba Bersih / Net Income

Aset Produktif / Productives Assets

Kredit yang Diberikan / Loan (Nett)

Simpanan Nasabah / Deposits from Customers

Pinjaman yang Diterima / Borrowings

Ekuitas - Bersih / Shareholders’ Equity - Net

RASIO KEUANGAN PERMOdALAN / FINANCIAL RATIO CAPITAL

(Dalam % / In Percent)

cAR dengan Memperhitungkan Risiko Kredit / CAR by Considering Credit Risk

cAR dengan Memperhitungkan Risiko Pasar / CAR by Considering Credit, Operational and Market Risk

Aset Tetap Terhadap Modal / Fixed Asset to Equity

KUALITAS ASET/AKTIVA PROdUKTIf BERMASALAH / Asset Quality/Non Performing

(Dalam % / In Percent)

Aset yang Diperoleh / Earning Assets

PPA Produktif terhadap Aktiva Produktif / Allowance for Possible Losses on Earning Assets

Pemenuhan PPA Produktif / Compliance for Possible Losses on Earning Assets

Pemenuhan PPA Non-Produktif / Compliance for Allowance Possible Losses on Non Earning Assets

NPL gross / NPL Gross

Rasio Kredit terhadap Dana Pihak Ketiga / Loan to Deposit Ratio (LDR)

Persentase Pelanggaran BMPK / Percentage Violation of Legal Lending Limit

Pihak Terkait / Related Parties

Pihak Tidak Terkait / Third Parties

Persentase Pelampauan BMPK / Percentage of Lending in Excess of Legal Lending

Pihak Terkait / Related Parties

Pihak Tidak Terkait / Third Parties

gMW Rupiah / Minimum Reserve Requirement Rupiah

Posisi Devisa Net / Net Open Positions

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INfORMASI BAGI INVESTOR

INFoRMATIoN FoR INVESToRS

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Informasi Bagi Investor 6

HASIL RAPAT UMUM PEMEGANG SAHAM TAHUN 2015

RESULT oF ANNUAL gENERAL MEETINg oF SHAREHoLDERS IN 2015

Rapat Umum Pemegang Saham Tahunan

(RUPST) 9 Juni 2015

Persetujuan atas Laporan Tahunan Bank dan pengesahan atas perhitungan laporan keuangan tahunan Bank untuk tahun buku 2014; serta memberikan pembebasan dan pelunasan (acquit

et decharge) sepenuhnya kepada Direksi dan Dewan Komisaris

Bank; persetujuan atas penggunaan laba bersih Bank Tahun Buku 2014; persetujuan untuk memberikan kewenangan kepada Dewan Komisaris untuk menetapkan besarnya remunerasi dan/atau tunjangan lain bagi Anggota Direksi dan Dewan Komisaris Bank untuk Tahun Buku 2015; persetujuan untuk memberikan wewenang kepada Dewan Komisaris untuk menunjuk Kantor Akuntan Publik yang akan melakukan audit terhadap Laporan Keuangan Bank untuk tahun buku 2015 dan periode-periode lainnya dalam tahun buku 2015 (apabila diperlukan) serta untuk menetapkan honorarium Akuntan Publik beserta persyaratan-persyaratan lainnya; Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum.

Annual General Meeting of Shareholders on

(AGMS) June 9, 2015

The Approval for the Annual Report 2014 and the verification of Bank’s annual financial report for 2014 period; also granting exemption and repayment in full to the Board of Directors and commissioners; Approval for Bank’s Nett Profit Utilization in 2014; Approval in letting Board of commissioners to set the amount of remuneration and/or other benefits for members of Board of Directors and commissioners for 2015 period; Approval for Board of commissioners in nominating Public Accountant to audit the Bank’s financial report in 2015 and anything related within the same years (if needed) as well as determining emoluments for certified Public Accountant including other requirements such as the Realization Report of Public offering Fund.

Information for Investors | Annual Report 2015 | PT Bank Agris Tbk | 7

Rapat Umum Pemegang Saham Luar Biasa

(RUPSLB) 9 Juni 2015

Menyetujui Perubahan Anggaran Dasar Bank, sehubungan dengan ketentuan otoritas Jasa Keuangan (oJK) tentang Rencana dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka, dan merubah Anggaran Dasar Bank, sehubungan dengan ketentuan oJK tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik.

Rapat Umum Pemegang Saham Luar Biasa

(RUPSLB) 8 desember 2015

Menyetujui penambahan modal dengan mengeluarkan sebanyak-banyaknya 1.270.655.670 (satu miliar dua ratus tujuh puluh juta enam ratus lima puluh lima ribu enam ratus tujuh puluh) saham baru dari portepel, dengan menerbitkan Hak Memesan Efek Terlebih Dahulu (HMETD) dalam Penawaran Umum Terbatas I (PUT I), dengan nilai nominal sebesar Rp. 100,- (seratus Rupiah) per saham, pada Harga Pelaksanaan yaitu sebesar Rp. 100,- (seratus Rupiah) per saham.

Extraordinary General Meeting of Shareholders

(EGMS) June 9, 2015

Approval of Amendment of Articles of Association of the Bank, in relation to the Financial Services Authority (FSA) discussing about planning and execution of Public company’s general Meeting of Shareholders, related to FSA’s regulation dealing with Board of Directors and commissioners in Public Listed company.

Extraordinary General Meeting of Shareholders

(EGMS) desember 8, 2015

Approval of increasing capital by releasing as much as 1.270.655.670 (one billion two hundred seventy million six hundred fifty five thousand six hundred seventy) new shares from unissued company portfolio, by releasing Limited Public offering I with nominal value Rp. 100. (one hundred Rupiah) per share, on performing price Rp. 100 (one hundred Rupiah) per share.

STRUKTUR PERMOdALAN

cAPITAL STRUcTURE

IKHTISAR OBLIGASI

BoNDS HIgHLIgHTS

Hingga akhir tahun 2015, Bank belum menerbitkan obligasi, sehingga informasi terkait hal ini tidak tersedia.

Until the end of 2015, the Bank had not issued any bonds, so the information related with this matters were not available.

IKHTISAR SAHAM

Volume Transaksi Lembar Shares Transaction Volume Pada tahun 2015, Bank melaksanakan Penawaran Umum Terbatas I (PUT I), dengan tanggal pencatatan saham baru di Bursa Efek Indonesia sejak 23 Desember 2015 sampai dengan 6 Januari 2016. Modal ditempatkan dan disetor Bank hasil PUT I menjadi Rp. 5.256 juta.

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| PT Bank Agris Tbk | Laporan Tahunan 2015 | Informasi Bagi Investor 8

KRONOLOGI PENcATATAN SAHAM

SHARELISTINg cHRoNoLogy

Pemilik Saham Shares Ownership

pt dian intan perkasa

benjamin Jiaravanon

masyarakat / public

benjamin Jiaravanon

masyarakat / public

3.324.066.625

11.452.275

900.000.000

4.341.286.612

14.887.957

900.002.075

78,48%

0,27%

21,25%

100%

82,59%

0,28%

17,12%

100%

4.235.518.900

5.256.176.644 Nilai

Value (Rp.)

Persen (%)

Jumlah Lembar Saham Akhir Periode

Total Shares by End of Period Aksi Korporasi

Corporate Action

1. IPO: tercatat di BEI tanggal 22 desember 2014. Jumlah saham baru yang diterbitkan sebanyak 900.000.000 lembar saham.

IPO, dated December 22, 2014 Number of Shares after IPO (listed on IDX)

JUMLAH/ TOTAL

2. Pada tahun 2015, Bank melaksanakan PUT I, dengan tanggal pencatatan saham baru di BEI sejak 23 desember 2015 sampai dengan 6 Januari 2016.

In 2015, the Bank performed Limited Public Offering I, which dated Statement of New Shares in BEI from December 23, 2015 to January 6, 2016.

JUMLAH/ TOTAL

KOMPOSISI PEMEGANG SAHAM

SHAREHoLDERS coMPoSITIoN

Setelah pelaksanaan Penawaran Umum Terbatas I dan tercatatnya saham baru di Bursa Efek Indonesia per Januari 2016, maka komposisi pemegang saham Bank menjadi:

According to Limited Public offering I and the rise of additional shares in Indonesian Stock Exchange, the shareholders composition became:

Pemilik Saham Shareholders

benjamin Jiaravanon

masyarakat / public (termasuk di dalamnya uob Kay hian pte ltd 8,45%)

82,59%

0,28%

17,12% 4.341.286.612

14.887.957

900.002.075

Saham /Shares Komposisi /Composition

PROGRAM KEPEMILIKAN SAHAM OLEH KARYAWAN

dAN/ATAU MANAJEMEN (ESOP/MSOP)

SHARE oWNERSHIP PRogRAM By EMPLoyEES

AND/oR MANAgEMENT (ESoP/MSoP)

Pada IPo tahun 2014, Bank memberikan saham ESA (Employee

Stock Allocation) kepada karyawan sebanyak 550.000 lembar. Pada

Penawaran Umum Terbatas I tahun 2015, tidak ada perubahan pada saham ESA.

In IPo 2014, the Bank distributed ESA (Employee Stock Allocation) to its employees of 550,000 shares. In Limited Public offering I in 2015, there was no changes to ESA shares.

Information for Investors | Annual Report 2015 | PT Bank Agris Tbk | 9

KEBIJAKAN dIVIdEN dAN JUMLAH dIVIdEN

DIVIDEND PoLIcy AND ToTAL DIVIDEND

Kebijakan pembagian dividen Bank ditetapkan berdasarkan keputusan pemegang saham pada RUPS Tahunan berdasarkan rekomendasi Direksi. Bank dapat membagikan dividen pada tahun dimana Bank mencatatkan saldo laba ditahan positif setelah dikurangi dengan cadangan berdasarkan UUPT.

Bank dapat memberikan usulan pembagian dividen kas sebanyak-banyaknya 30% dari laba tahun berjalan, dimulai tahun 2015 berdasarkan laba tahun berjalan tahun buku 2014, dengan mempertimbangkan berbagai macam faktor meliputi keberhasilan dan mengimplementasikan strategi bisnis, keuangan, persaingan dan peraturan otoritas perbankan yang berlaku khususnya faktor kecukupan modal (cAR), kondisi perekonomian secara umum dan faktor-faktor lain yang spesifik terkait industri perbankan.

Pada tahun 2015, kebijakan pembagian dividen Bank berdasarkan hasil RUPST 2014 adalah Bank belum dapat membagikan dividen kepada Pemegang Saham, mengingat Bank masih memerlukan biaya untuk pengembangan usaha Bank.

The policy of Bank’s dividend distribution was set based on the shareholders decision in Annual general Meeting of Shareholders based on the recommendation of the Board of Directors. The Bank could distribute dividend in the year in which the Bank recorded positive retained earnings with reserve based on the UUPT.

The Bank could provide a cash dividend proposal as much as 30% form the profit of the year, starting in 2015 based on the profit of the year 2014, by taking into account various factors including the success and implementation of business strategy, financial, competition and regulatory banking authority that applied particularly in capital adequacy ratio (cAR), economic condition in general and other specific factors related with the banking industry.

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Amin Handaya

Komisaris independen

Independent Commissioner

Paulus Nurwadono

Komisaris utama

President Commissioner

Rochhidayat Taepur

Komisaris independen

Independent Commissioner

LAPORAN MANAJEMEN

MANAgEMENT REPoRTS

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan Manajemen

10 Management Reports | Annual Report 2015 | PT Bank Agris Tbk | 11

Bang Nathan christian

Wakil direktur utama (independen)

President Director (Independent)

Sia Leng Ho

direktur utama (independen)

President Director (Independent)

Ardian Hak

direktur Kepatuhan (independen)

Director of Compliance (Independent)

Maria Cortilia Vera Aianti direktur (independen)

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LAPORAN dEWAN KOMISARIS

REPoRT FRoM THE BoARD oF coMMISSIoNERS

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan dewan Komisaris

12

Bank akan mempertegas usahanya di bidang agribisnis

dengan memulai dukungan pada sektor peternakan

dan perikanan.

bank will strenghten their efforts in agribusiness

by initiating support to poultry and ishery.

Paulus Nurwadono

Komisaris Utama President Commissioner

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| PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan dewan Komisaris 14

Paulus Nurwadono

Komisaris Utama President Commissioner Dari aspek tata kelola, Dewan Komisaris melihat bahwa dalam

penerapan prinsip-prinsip dasar, Bank telah mengikuti kaidah yang ditetapkan oleh otoritas Jasa Keuangan sehingga rating gcg dapat dijaga pada tingkat yang cukup baik. Dewan Komisaris sangat terbantu oleh Komite Audit, Komite Pemantau Risiko, dan Komite Nominasi dan Remunerasi yang secara aktif memberikan masukan terhadap proses penegakan tata kelola.

Namun demikian, Dewan Komisaris berpendapat bahwa masih perlu dilakukan banyak pembenahan, khususnya dalam menumbuhkan budaya sadar risiko di setiap level. Penguatan

first layer of defence dalam pemberian kredit dan pengelolaan

operasional yang aktifitasnya lebih banyak di cabang menjadi agenda yang harus dibenahi pada tahun mendatang.

From corporate governance point of view, the Board of commissioners realized that in practicing basic principles, Bank had followed regulations issued by FSA in order for gcg could be maintained on acceptable level. The board of commissioners truly appreciated with helps from Audit committee, Risk Monitoring committee and Nomination and Remuneration committee who actively gave their consults in improving corporate governance of the Bank.

However, the Board of commissioners were agreed that restructurization was needed especially in growing risk awareness culture in every level of Bank management. Strenghtening first layer of defence in granting loan credit and operational management which mostly happened in branch offices became agenda that needed to be revamped next year.

TATA KELOLA PERUSAHAAN

cORPORATE GOVERNANcE

Report from the Board of commissioners | Annual Report 2015 | PT Bank Agris Tbk | 15

Pada tahun 2015 tidak ada perubahan komposisi Dewan Komisaris. In 2015 there was no changes in the Board of commissioners composition.

PERUBAHAN KOMPOSISI dEWAN

KOMISARIS

cHANGES IN THE BOARd Of

cOMMISSIONERS cOMPOSITION

Kondisi perekonomian yang kurang menguntungkan sejak 2014, masih berlanjut di 2015. Laju pertumbuhan ekonomi hanya mencapai 4,7% akibat dari ketidakpastian global yang terus berlanjut dibarengi dengan minimnya penggerak pertumbuhan ekonomi domestik. Sektor komoditi yang beberapa tahun lalu menjadi mesin penggerak pertumbuhan ekonomi masih terpuruk, sedangkan permintaan ekspor juga terganggu karena lemahnya pertumbuhan ekonomi di Eropa, Amerika Serikat, Jepang, dan china.

Kondisi tersebut menyebabkan non performing loan (NPL) industri perbankan secara rata-rata mengalami peningkatan dibandingkan tahun 2014. Namun di tengah trend peningkatan NPL tersebut, Bank Agris tetap menunjukkan jati dirinya sebagai bank kecil yang konservatif dengan mencatatkan NPL bruto hanya sebesar 1,75%. Apresiasi kepada Direksi Bank atas kehati-hatian yang ditunjukkan di tengah tendensi penurunan kualitas kredit perbankan tersebut.

Dari aspek keuangan, pencapaian kinerja Bank tergolong cukup memadai. Pertumbuhan kredit mencapai 13,03% sedangkan aset hanya bertumbuh 2,83%. Capital Adequacy Ratio (CAR) Bank tetap terjaga pada level 17,35%. Meskipun profit belum optimal, Dewan Komisaris dapat memahami kondisi tersebut karena merupakan

trade-off dari prinsip kehati-hatian di tengah kondisi ketidakpastian

global serta implementasi rencana ekspansi ke sektor agribisnis.

Dari aspek pengembangan bisnis, Dewan Komisaris melihat bahwa positioning Bank semakin membaik yang ditandai dengan perbaikan rasio cASA terhadap dana pihak ketiga (DPK). Dalam upaya menarik DPK dari masyarakat, Bank tidak ikut dalam perang bunga sebagaimana peers bank. Sebagai dampaknya, suku bunga dasar kredit Bank mengalami penurunan dari 12,52% pada awal 2015 menjadi 11,60% di akhir 2015.

PENILAIAN ATAS

KINERJA dIREKSI

The unsavory financial condition that started since 2014 still continued in 2015. The economic growth only scaled up to 4.7% due to the global instability that had been continuing along side with minimum domestic economy growth. commodities sector which several years ago had been the engine of this country’s economic growth, still suffered from the crisis. on the other hand, export demands had also been disturbed because of low economic growth in Europe, United States, Japan and china.

Those conditions had caused NPL banking industry in general experiencing improvement compared to 2014. However, in the middle of NPL increasing trend, Bank Agris kept on showing its true identity as a conservative small bank by recorded bruto NPL only as much as 1.75%. Appreciation to the Board of Directors of the Bank was given for their cautioness shown amidst all the tendency of decreasing bank loan quality.

From financial perspective, the Bank’s performance achievement was categorized as satisfactory. Loan credit growth had reached 13,03% while asset growth had only reached 2,83%. Bank’s capital Adequacy Ratio was kept at level of 17,35%. Although the profit was not in optimal state, the Board of commissioners could understand this condition due to its trade-off nature resulted from principle of awareness amidst all global uncertainties along with expansion planning implementation to agribusiness sector.

From business development aspect, the Board of commissioners saw the Bank’s positioning would get better shown by the improvement in cASA ratio to Third Party Fund (TPF). In effort of gathering TPF from society, Bank didn’t participate in interest wars like most Banks were. As a result, the Bank’s base interest rate experiencing reduction from 12,52% on beginning of 2015 to 11.60% by the end of 2015.

ASSESSMENT ON THE BOARd Of

dIREcTORS’ PERfORMANcE

Para pemegang saham yang kami hormati,

Dear honored shareholders

Bank juga telah merumuskan Visi Agris 2020 sebagai bank fokus pada sektor agribisnis. Untuk mewujudkan visi tersebut, Bank mengembangkan jaringan kantor dengan membuka beberapa kantor fungsional sebagai tempat pemasaran agribisnis. Saat ini, fokus agribisnis masih pada bidang yang telah dikuasai yaitu peternakan dan perikanan. Kedua bidang tersebut kurang diminati oleh perbankan pada umumnya karena risiko yang cukup tinggi. Namun dengan bekal pemahaman yang lebih baik terhadap karakteristik peternak dan petambak, Bank meyakini bahwa peluang pembiayaan masih terbuka lebar.

Disamping itu, kemajuan teknologi yang dapat mempermudah akses ke daerah dan desa yang menjadi sentra peternak atau petambak dapat mengintegrasikan dan memonitor perkembangan usaha debitur dengan lebih baik. Melihat potensi di bidang peternakan dan pertambakan, namun di sisi lain risiko yang cukup besar, Bank menempuh strategi untuk tumbuh dengan kecepatan moderat tetapi fokus pada bidang tertentu dan pengelolaan risiko yang moderat.

Bank also had formulated its 2020 Agris Vision as a Bank focused in agribusiness sector. To manifest the vision, Bank developed offices network by opening several function offices as marketing places for agribusiness. on this time, agribusiness was still focusing on already familiar segment such as farming and fishery. Those two fields, somehow were not favored by banking society, due to their considerably high risk. However, thanks to better understanding to farmers’ and fishermen’s characteristics, Bank believed that the funding opportunities were still wide open and available.

Besides that, the technological advancement facilitating access to rural areas and villages where most farmers and fishermen resided made it so much easier for Bank to integrate and monitor debtors’ business activities. Realizing the great potency in farming and fishery business, despite its high risk, had strenghtened the Bank ‘s resolve in following business strategy that was growing in moderate speed while maintaining its focus on selected field while kept managing risk moderately.

PANdANGAN MENGENAI PROSPEK

USAHA BANK AGRIS TAHUN 2016

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| PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Dewan Komisaris 16

Paulus Nurwadono

Komisaris Utama President Commissioner

Warga negara indonesia, umur 48 tahun. bergabung dengan bank agris pada tahun 2012 sebagai Komisaris utama. beliau menyelesaikan studi s1 di Fakultas ekonomi universitas Gadjah mada tahun 1991 dan s2 jurusan ekonomi di National university of Singapore tahun 1996. selama berkecimpung dalam dunia keuangan, beliau pernah berkarir di berbagai perusahaan seperti di pt pemeringkat efek indonesia

(Peindo), PT Bursa Efek Surabaya sebagai Kepala Divisi Riset dan

pegembangan bisnis, pt danareksa sekuritas sebagai direktur senior, pt mandiri sekuritas sebagai eksekutif Wakil presiden dan pt sarana multigriya Finansial (persero) sebagai direktur bisnis & operasional. selain itu, beliau pernah menjabat sebagai Komisaris utama pt reksa Finance pada tahun 2011 hingga 2012. saat ini menjabat Vice President

di pt Central proteina prima tbk dan Komisaris utama bank agris. beliau pernah mendapatkan pelatihan yang ekstensif dari Standard & Poor’s, Euromoney, Housing Development Finance Corporation Ltd (HDFC), Wharton School of the university of Pennsylvania dan lembaga-lembaga terkemuka lainnya.

Indonesian citizen, 48 years old. He joined with the Bank Agris in 2012 as President Commissioner. He completed his Bachelor’s degree in Economics at Gadjah Mada University in 1991, and obtained a Master’s degree in Economics from National University of Singapore in 1996. During his career ini financial sector, he had worked with a number of companies including PT Pemeringkat Efek Indonesia (Pefindo), PT Bursa Efek Surabaya as Division Head of Research and Business Development, Senior Director of PT Danareksa Sekuritas, Executive Vice President of PT Mandiri Sekuritas and Director of Business & Operations of PT Sarana Multigriya Finansial. In addition, he served as President Commissioner at PT Reksa Finance in 2011 until 2012. Right now, he also served as Vice President at PT Central Proteina Prima Tbk and President Commissioner of Bank Agris. He had attended a variety of professional courses at the Standard & Poor’s, Euromoney, Housing Development Finance Corporation Ltd (HDFC), Wharton School of the University of Pennsylvania, and other leading instituations.

PROfIL dEWAN KOMISARIS

THE BoARD oF coMMISSIoNERS PRoFILE

The Board of Commissioners’ Proile | Annual Report 2015 | PT Bank Agris Tbk | 17

Warga negara indonesia, umur 45 tahun. bergabung dengan bank pada tahun 2008. menyelesaikan pendidikan s1 dari Fakultas teknologi institut pertanian bogor (ipb) dan s2 di bidang manajemen strategis di lembaga pendidikan dan pengembangan manajemen (lppm) Jakarta. selanjutnya beliau bergabung dengan pt Makindo Securities,

kemudian bergabung dengan pt Global penta mandiri dan menjabat posisi sebagai presiden direktur pt Global investama mandiri pada tahun 1999-2005.

Kemudian beliau menekuni investment dengan bekerja di pt Insight Investment Management sebelum bergabung di bank. pada desember 2007, melalui mekanisme rapat umum luar biasa pemegang saham, beliau ditetapkan untuk diangkat menjadi Komisaris independen bank dan menjadi efektif setelah lulus it and proper test dari bank indonesia pada 23 mei 2008.

Indonesian citizen, 45 years old. He joined the Bank in 2008. He obtained Bachelor’s degree at the Faculty of Technology, Bogor Agricultural University (IPB) and then obtained a Master’s degree, in Strategic Management at Lembaga Pendidikan dan Pengembangan Manajemen (LPPM) Jakarta. Then, he joined PT Makindo Securities and after that, he joined with PT Global Penta Mandiri and became President Director of PT Global Investama Mandiri from the year of 1999 to 2005.

Later on, he was intensely occupied in investment banking, working with PT Insight Investment Management, before he joined the Bank. In December 2007, through the Extraordinary General Meeting of Shareholders, he was appointed as Independent Comissioner of the Bank. His appointment as Independent Comissioner of PT Bank Agris became effective on May 23, 2008, after passing the required fit and proper test conducted by Bank Indonesia.

Warga negara indonesia, umur 61 tahun. bergabung dengan bank pada tahun 2014. lulusan sarjana agribisnis institut pertanian bogor (ipb) tahun 1979 dan s2 jurusan Human Resources Development STM-PPM tahun 2000.

memiliki pengalaman di bidang perbankan selama kurang lebih 34 tahun. sebelumnya, beliau berkarir sebagai Project Manager di pt Geodata Center pada tahun 1979-1980, sebagai Staff di pt bank rakyat indonesia (bri) pada tahun 1980-1986, Deputy Manager (1986-1989),

branch Manager (1989-1996), Deputy GM of Division bri/Head of Regional Ofice bri (1996-2000), GM/Head of Medium Loan Division

bri (2000-2001), GM/Head of Agribusiness Division (2001), Corporate Secretary bri (2001-2003), Regional Manager (2003-2005), GM/Head of Consumer banking Divison (2005-2006) dan Vice President Director

pt btmu bri-Finance, Joint Venture bersama antara bank of tokyo-mitsubishi uFJ, ltd. & pt bank rakyat indonesia (persero) tbk pada tahun 2006-2011. setelah pensiun dari bri, mendirikan perusahaan konsultan & Training center bidang perbankan, pt. dempo Wisnu Kencana, sebagai direktur utama (2012-2014).

Indonesian citizen, 61 years old. Joined with the Bank in 2014. Earned a Bachelor of Agribusiness from Bogor Agricultural University (IPB) in 1979 and a Master’s degree in Human Resources Development from STM-PPM in 2000.

Has experience in banking for more than 34 years.Previously, he was a Project Manager of PT Geodata Center in 1979-1980, Trainee in PT Bank Rakyat Indonesia (BRI) in 1980-1986, Deputy Manager (1986-1989), Branch Manager (1989-1996), Deputy GM of Division BRI/Head of Regional Office BRI (1996-2000), GM/Head of Medium Loan Division BRI (2000-2001), GM/ Head of Agribusiness Division (2001), Corporate Secretary of BRI (2001-2003), Regional Manager (2003-2005), GM/Head of Consumer Banking Division (2005-2006) and Vice President Director of PT BTMU BRI-Finance, a joint venture between the Bank of Tokyo-Mitsubishi UFJ, Ltd. & PT Bank Rakyat Indonesia (Persero) Tbk in 2006-2011. After his retirement from BRI, he established Consultant & Training Centre for banking, PT. Dempo Wisnu Kencana, as the main director (2012-2014).

Amin Handaya

Komisaris Independen Independent Commissioner

Rochhidayat Taepur

(11)

LAPORAN dIREKSI

REPoRT FRoM THE BoARD oF DIREcToRS

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan direksi

18

Bank akan lebih berfokus kepada agribisnis melalui

sarana kantor fungsional.

The bank will be more focused in agribusiness

through functional ofice facilities.

Report from the Board of directors | Annual Report 2015 | PT Bank Agris Tbk | 19

Sia Leng Ho

(12)

Para pemegang saham yang kami hormati,

Dear honored shareholders

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Laporan direksi 20

Kinerja Bank tahun 2015 secara keseluruhan cukup baik walaupun pada tahun 2014-2015, kondisi perekonomian kurang kondusif. Peningkatan tetap terjadi pada dana pihak ketiga (DPK) menjadi sebesar Rp. 3.494.487 juta dari tahun sebelumnya Rp. 3.482.969 juta atau peningkatan 0,33%, kredit menjadi sebesar Rp. 2.755.965 juta atau peningkatan 13,03% dari tahun sebelumnya Rp. 2.439.290 juta, pertumbuhan aset meningkat 2,83% dari Rp. 4.101.329 juta di tahun 2014 menjadi Rp. 4.217.368 juta di tahun 2015, dan surat berharga Rp. 502.908 juta dari tahun sebelumnya Rp. 271.767 jutaatau peningkatan 85,05%.

Di tahun 2015, Bank melaksanakan Penawaran Umum Terbatas I (PUT I) dengan jumlah keseluruhan saham yang telah diterbitkan sebanyak 1.020.657.744 saham atau senilai Rp. 102.066 juta. Dana yang diperoleh dari PUT I, setelah dikurangi biaya-biaya emisi saham, akan digunakan seluruhnya untuk penambahan modal untuk ekspansi kredit. Kami harapkan dengan adanya penambahan modal dan pertumbuhan DPK, Bank dapat lebih besar lagi dalam menyalurkan kredit ke masyarakat.

Demikian juga untuk cAR telah menjadi sebesar 17,35%, hal ini menunjukkan Bank telah mengoptimalkan permodalan yang ada. Sementara mengenai harga saham Bank di Bursa Efek Indonesia terjadi penurunan, dari harga saham perdana Rp. 110 menjadi Rp. 85 di akhir tahun ini.

Dalam rangka pengembangan jaringan kantor, Bank telah membuka tujuh (7) kantor fungsional, yaitu di kabupaten garut, Subang, Kediri, Jember, Magelang, Purwodadi, dan Pekalongan yang berfungsi untuk memasarkan produk kredit Mikro Agris Solusi (MAS), yaitu usaha peternakan ayam, pertambakan udang dan ikan. Sedangkan pembukaan cabang baru belum direalisasikan karena kondisi makro tahun 2015 belum kondusif.

KINERJA PERUSAHAAN TAHUN 2015

Perekonomian Indonesia melambat sejak 1-2 tahun terakhir. Kondisi ini juga berpengaruh pada industri perbankan dimana perlambatannya berdampak sejak tahun lalu. Bila pada tahun 2014 tantangannya dari likuiditas dan kenaikan suku bunga, sedangkan pada tahun 2015, perbankan dihadapkan pada risiko kredit, yaitu merupakan dampak dari kenaikan harga BBM yang terjadi pada kuartal IV tahun lalu yang mengakibatkan daya beli masyarakat menurun. Dalam menghadapi tantangan di risiko kredit, Bank lebih berkonsentrasi pada bidang ini, mulai dari melakukan monitoring

sampai kepada penagihan, dan memperkuat proses pemberian kredit.

Selama 3 (tiga) tahun berturut-turut Bank telah menerapkan prinsip gcg dengan baik dalam seluruh aktifitasnya pada setiap jenjang organisasi. Mulai tahun 2013 Bank telah menetapkan landasan

TANTANGAN dI TAHUN 2015

TATA KELOLA PERUSAHAAN

The Bank’s overall performance in 2015 was satisfactory although in 2014-2015, economic situation was not favorable. Progress took place on Third Party Funds with total of Rp. 3,494,487 million from last year’s amount of Rp. 3,482,969 million which was increased by 0.33%, loan credit growth from Rp. 2,439,290 million in 2014 to Rp. 2,756,965 million in 2015 which was increased by 13.03%. Bank’s asset was increased by 2.83% from Rp. 4,101,329 million in 2014 to Rp. 4,217,368 million in 2015, obligation and securities amounted to Rp. 502,908 million compared to previous year amount of Rp. 271,767 million, which was improved by 85.05%.

In 2015, Bank performed Limited Public offering I with total released shares as much as 1,020,657,744 shares or equivalent to Rp. 102,066 million. capital collected from Limited Public offering I, after deducted from share emission, would be used completely for share interpolation for credit expansion. We expected there would be capital increment and third party fund growth, and because of it, Bank were able to dispense greater amount of credit to people and society.

Likewise for cAR’s growth had reached 17.35%, this showed that Bank had optimized existing capital. While the stock price of Bank Agris in Indonesian Stock Exchange experienced downward progress from the initial shares price of Rp. 110 into Rp. 85 by the end of this year.

As the expansion of office networks, Bank had established seven (7) function offices in regencies such as garut, Subang, Kediri, Jember, Magelang, Purwodadi and Pekalongan which function was to market credit product Mikro Agris Solusi (MAS) as example, poultry, shrimp farm and fishery. Instead, opening of new branch offices had not been realized because of unconducive macro economy situation in 2015.

THE cOMPANY’S PERfORMANcE IN 2015

Indonesian economy had slowed down in past two years. The condition also affected banking industry which slowdown had started from last year. In 2014, the challenges came from liquidity and rising of interest rates, while in 2015, banking segment was faced with credit risk, resulted as effect from the rising price of petroleum in last quarter of last year that reduced society buying power. In tackling credit risk challenges, the Bank concentrated more in this area starting from monitoring to billing and strenghtening credit granting process.

For three (3) consecutive years Bank had performed gcg principles well in every level of organization activities. From 2013 Bank had laid strong foundation on performing gcg principles, such as

cHALLENGES IN 2015

GOOd cORPORATE GOVERNANcE

Proyeksi tahun 2016, kinerja perbankan akan lebih baik dikarenakan turbulensi perekonomian telah mereda. Diperkirakan sektor infrastruktur akan meningkat dan akan terjadi perbaikan dari sisi kredit. Salah satu keunggulan Bank Agris yang belum besar membuat Bank cukup memiliki ruang dalam menjalankan usahanya. Hal utama yang perlu dilakukan Bank adalah menjaga likuiditas pada tingkat yang memadai, LDR pada tingkat 85 – 90%, dan NPL di bawah 2%.

Target Bank di tahun 2016 adalah menjadi BUKU 2, sehingga tahun ini akan menjadi tahun penting bagi Bank karena akan terjadi perubahan status dari BUKU 1 menjadi BUKU 2 yang berarti perlu melakukan penyesuaian pada produk dan fasilitasnya.

Bank telah menyiapkan blue print untuk lima (5) tahun mendatang atau sampai dengan tahun 2020. Misi Bank akan lebih fokus kepada agribisnis dengan perkiraan porsi sebesar 30% dari sektor ekonomi. Tahap pembentukan diperkirakan akan membutuhkan waktu 2 tahun melalui sarana kantor fungsional yang telah tersebar di beberapa lokasi daerah agribisnis.

Pada tahun 2015 tidak ada perubahan komposisi Direksi.

2016’s target, banking performance was hoped for the better because of the ending of economic turbulence. Estimated infrastructure sector would rise and there would be enhancement in credit aspect. one of the Bank Agris’ advantages as a medium sized bank was the availability of unimpeded room to operate its business. The main thing Bank needed to do were to maintain acceptable liquidity level. LDR level on 85 – 90%, and NPL level under 2%.

Bank’s target in 2016 was to reach BUKU 2, and so this year had become an important year for Bank because there would be status change from BUKU 1 to BUKU 2 which meant that accordance was needed for its products and facilities.

Bank had prepared blue print for next five (5) years or until 2020. The Bank’s mission was to become more focused in agribusiness with estimated portion of 30% from economy sector. Establishment step was estimated to take two years with function offices facilities that had spread to other locations in agribusiness area.

In 2015 there was no changes in the Board of Directors composition.

PROSPEK USAHA dAN

cHANGES IN THE BOARd Of dIREcTORS

cOMPOSITION

Sia Leng Ho

direktur utama President Director Atas nama Direksi, kami mengucapkan terima kasih kepada Dewan

Komisaris yang telah memberikan arahan dalam mengelola Bank, kepada seluruh karyawan atas dedikasi dan kontribusinya sehingga menghasilkan kinerja Bank yang cukup baik di tahun 2015 ini.

Kami juga menyampaikan terima kasih kepada pemegang saham, nasabah, mitra kerja, dan pemangku kepentingan yang telah memberikan kepercayaan dan dukungan kepada Bank Agris.

Bank akan terus memberikan kinerja yang lebih baik di tahun mendatang.

on behalf of the Board of Directors, we would like to express our gratitude to the Board of commissioners on the guidance given to us in managing the Bank, also to all employees for their dedication and contribution to produce good performance in 2015.

We would also like to deliver thanks to shareholders, customers, business partners and stakeholders that had provided trust and support to Bank Agris.

Bank would always give better performance in the upcoming year.

APRESIASI

APPREcIATION

Report from the Board of directors | Annual Report 2015 | PT Bank Agris Tbk | 21

yang kuat dalam penerapan prinsip gcg, antara lain dengan perbaikan Standard Operation Procedure (SoP) dan memenuhi semua ketentuan yang menjadi dasar penerapan gcg. Saat ini Bank telah memiliki core value dan etos kerja yang baik untuk dapat mempertahankan penerapan gcg tetap baik.

(13)

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Direksi 22

Warga negara indonesia, umur 57 tahun. bergabung dengan bank agris pada tahun 2012. lulus dari san Francisco state university, amerika serikat, pada tahun 1985, beliau meraih gelar administrasi bisnis. sia leng ho mengawali karir perbankan di pt bank bali pada tahun 1985 sebagai Assistant Manager Credit Review. Karirnya terus menanjak hingga akhirnya dipercaya menjalankan tugas sebagai Vice President (Corporate banking Segment Head) pada tahun 1989-1991. dalam kurun waktu 1991-1997 beliau bergabung dengan pt bank ekonomi raharja tbk sebagai direktur, selanjutnya di posisi Wakil direktur utama hingga mei 2012 dan jabatan terakhir sebagai Komisaris utama sebelum beliau bergabung dengan bank agris pada november 2012. pengalaman perbankan yang begitu luas terutama di bidang perkreditan mengantar beliau ke posisi puncak sebagai direktur utama bank agris sampai saat ini.

Indonesian citizen, 57 years old. Joined with the Bank Agris in 2012. Graduated from San Francisco State University, USA in 1985, he obtained Business Administration Degree. Sia Leng Ho started his banking career with PT Bank Bali in year 1985 as Assistant Manager of Credit Review. His career rose progressively to the position of Vice President (Corporate Banking Segment Head) in 1989-1991.

During 1991-1997, he joined with PT Bank Ekonomi Raharja Tbk as Director, then as the Vice President Director until May 2012, and with the last position as the President Commissioner before joining the Bank Agris in November 2012. With his vast banking experiences, especially in the credit sector landed him to the top position as the President Director of Bank Agris that lasted until now.

Warga negara indonesia, 61 tahun, bergabung dengan bank agris pada tahun 2010. selepas meraih gelar sarjana ekonomi Jurusan akuntansi di universitas trisakti pada tahun 1980, bang nathan Christian memulai karir bidang perbankan sebagai Finance Manager pt bank Central asia dalam tahun 1985-1988. Kemudian beliau dipercaya menjabat sebagai

General Manager Finance, Treasury and Credit pt bCa Finance. Jabatan lain beliau adalah sebagai Wakil presiden direktur yang membawahi Operational, Treasury and Credit pt bank ltCb-Ca. beliau juga sempat menjabat sebagai General Manager HRD dan General Manager Technical Assistance of Afiliated Bank pt bank Central asia selama lima tahun (1994-1999). selanjutnya bergabung bersama bank Windu pada tahun 2000 sebagai General Manager Operation hingga diangkat menjadi direktur pada tahun 2003-2010. bang nathan Christian bergabung bersama bank agris pada mei 2010 dan berdasarkan pada Keputusan rapat umum pemegang saham luar biasa, 17 Juni 2010, beliau diangkat sebagai direktur bisnis. selanjutnya beliau menduduki posisi Wakil direktur utama bank agris pada desember 2012.

Indonesian citizen, 61 years old, joined with Bank Agris in 2010. After graduating with a Bachelor of Economics with Accounting Major from Trisakti University in 1980, Bang Nathan Christian started his banking career working with PT Bank Central Asia as Finance Manager in 1985-1988. After that, he became the General Manager Finance, Treasury and Credit of PT BCA Finance.

He served as Vice President Director in charge of Operations, Treasury and Credit at PT Bank LTCB-CA. He also served as General Manger of HRD and as General Manager Technical Assistance of Affiliated Bank PT Bank Central Asia for five years(1994-1999). In 2000, he joined Bank Windu as General Manager Operations, and subsequently was appointed as Director, serving between 2003-2010. In May 2010, Bang Nathan Christian joined with the Bank Agris and was appointed to the position of Director of Business by a Resolution of Extraordinary General Meeting of Shareholders on June 17, 2010. Since December 2012, he served as Vice President Director of Bank Agris.

Sia Leng Ho

direktur Utama (Independen) President Director (Independent)

Bang Nathan christian

Wakil direktur Utama (Independen) Vice President Director (Independent)

PROfIL dIREKSI

THE BoARD oF DIREcToRS PRoFILE

The Board of Directors’ Proile | Annual Report 2015 | PT Bank Agris Tbk | 23

Warga negara indonesia, 58 tahun. bergabung dengan bank agris sejak 2012. menyelesaikan pendidikannya di Fakultas ekonomi Jurusan akuntansi universitas airlangga.

mengawali karir di dunia perbankan dengan mengikuti program pendidikan eksekutif (ppe) di pt bank niaga pada tahun 1984. sejak Januari 1985 mengawali karir di pt bank niaga sebagai Audit and Control Division Head hingga desember 2008, dengan jabatan terakhir sebagai Operation and IT, Risk Management Division Head. Karir beliau berikutnya adalah sebagai Quality Assurance Division Head di pt bank tabungan pensiun nasional sejak Januari 2009 sampai desember 2010. selanjutnya mulai Juni 2011 hingga april 2012 beliau menjabat direktur Compliance and Risk Mangement di bank Fama international; sejak mei 2012 beliau bergabung dengan bank agris sebagai direktur

Compliance.

Indonesian citizen, 58 years old, joined the Bank Agris from 2012. Held a Bachelor in Economics with Accounting major from Airlangga University. His banking career began when he joined the Executive Training Program (PPE) at PT Bank Niaga in 1984. Since January 1985 to December 2008, he worked at PT Bank Niaga as Audit and Control Division Head, and subsequently as Operation and IT, Risk Management Division Head. He then joined PT Bank Tabungan Pensiun Nasional and served as Quality Assurance Division Head from January 2009 to December 2010. Next, from June 2011 to April 2012 he served as Director of Compliance and Risk Management at PT Bank Fama International. He joined with Bank Agris since May 2012 to serve as Director of Compliance.

Warga negara indonesia, 49 tahun. bergabung dengan bank agris sejak tahun 2013. beliau mengawali karir perbankan lewat Management Development Program di pt bank Central asia tahun 1991, setelah beliau meraih gelar sarjana akuntansi dari universitas Gadjah mada. selanjutnya, berbagai posisi tugas dijalani beliau di pt bank Central asia tbk dalam kurun waktu 1992-2009 sampai akhirnya beliau pindah untuk bekerja sebagai direktur operasional pt dyviacom intrabumi tbk.

lulusan s2 jurusan manajemen internasional – strategi marketing dari institut manajemen prasetiya mulya, tahun 2005. beliau bergabung bersama bank agris sejak Februari 2013 dan berdasarkan Keputusan rapat umum pemegang saham pada tanggal 14 agustus 2013, beliau diangkat menjadi direktur.

Indonesian citizen, 49 years old. She joined Bank Agris since 2013. She began her banking career by joining the Management Development Program of PT Bank Central Asia in 1991, after obtaining a Bachelor in Accounting of Gadjah Mada University. Between 1992-2009, she served in variety of positions with PT Bank Central Asia Tbk before moving on to work with PT Dyviacom Intrabumi Tbk as Director of Operations.

Obtained a Master’s degree in International Management - Marketing Strategy from Institut Manajemen Prasetiya Mulya in 2005. Maria Cortilia Vera Afianti then joined with the Bank in February 2013, and later, based on the Resolution of the General Meeting of Shareholders in August 14, 2013, she was appointed as Director.

Ardian Hak

direktur Kepatuhan (Independen) Director of Compliance

(Independent)

Maria Cortilia Vera Aianti

(14)

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Pejabat Eksekutif 24

PROfIL PEJABAT EKSEKUTIf

ExEcUTIVE oFFIcERS PRoFILE

Kelahiran Jakarta tahun 1967 ini menyelesaikan pendidikan D3 di Akademi Trisakti, Jakarta, Jurusan Ekonomi/Akuntansi pada tahun 1995. Karirnya dimulai pada tahun 1989 di PT Bank UoB Buana (sekarang PT Bank UoB Indonesia), Jakarta. Pernah pula bekerja di Prudential Insurance company, PT global Dent, PT Asuransi QBE

Pool Indonesia. Mulai bergabung dengan Bank sejak Maret 2012.

Born in Jakarta in 1967, and completed a D3 program in Economics/ Accounting at Trisakti Academy, Jakarta, in 1995. Began his career in 1989 with PT Bank UoB Buana (now PT Bank UoB Indonesia), Jakarta. He also worked at Prudential Insurance company, PT global Dent, and PT Asuransi QBE Pool Indonesia. Joined with the Bank since March 2012.

Lahir di yogyakarta pada tahun 1960. Menyelesaikan pendidikan S1 pada tahun 1986 di Universitas Pembangunan Nasional “Veteran” yogyakarta, Jurusan Financial Management. Mulai berkarir di PT gramedia, Jakarta pada tahun 1987. Dunia perbankan mulai dijalani saat beliau bergabung dengan PT Bank Dagang Nasional, PT Bank Perkembangan Asia (Bank Universal), PT Bank Umum Nasional, Badan Penyehatan Perbankan Nasional (BPPN), dan PT Perusahaan Pengelola Aset (Persero). Willy Soewarto mulai bergabung dengan Bank sejak tahun 2009.

Born in yogyakarta on 1960. graduated from Universitas Pembangunan Nasional “Veteran” yogyakarta, in 1986 with a Bachelor’s degree in Financial Management. Started his career with PT gramedia, Jakarta, in 1987. He then pursued a career in banking, working with PT Bank Dagang Nasional, PT Bank Perkembangan Asia (Bank Universal), PT Bank Umum Nasional, Indonesian Bank Restructuring Agency (IBRA), and PT Perusahaan Pengelola Aset (Persero). Willy Soewarto joined with the Bank since 2009.Director of the Bank until now.

Shooman

Kepala divisi General Affair

General Affair Division Head

(15)

Karir Kris Sarjito dimulai sejak tahun 1992 di PT Indosat, Jakarta. Pria kelahiran Pekanbaru pada tahun 1967 ini selanjutnya meniti karir di PT Bank Shinta Indonesia dan PT Maybank Indocorp. Lulusan S1 yAI, jurusan Akunting pada tahun 1992 ini mulai bergabung dengan Bank sejak tahun 2007.

Kris Sarjito’s career began in 1992 working with PT Indosat, Jakarta. Kris Sarjito, who was born in Pekanbaru in 1967, pursued his next career with PT Bank Shinta Indonesia and PT Maybank Indocorp. graduated with a Bachelor’s degree in Accounting from yAI in 1992. Joined with the Bank since 2007.

Imelda Kharisman, 42 tahun. Meraih gelar Sarjana Teknik Elektro dari Institut Teknologi Nasional (ITN) Malang, 1997. Beliau ditunjuk menjadi Kepala Divisi Pengembangan Produk dan Bisnis Bank Agris sejak 2015. Sebelumnya pernah bekerja di PT Wana Harapan Pratama sebagai Sekretaris Manajer Pabrik (1998-2000); beberapa posisi di PT Bank Ekonomi Raharja Tbk (2000-2013) sebagai Staf Divisi Pengembangan Produk, Jasa dan Promosi, Asisten Manajer Pengembangan Bisnis, Manajer Pengembangan e-Product,Manajer Senior Departemen Pengembangan Produk Pendanaan, Asisten Vice President Pengembangan Produk Bank Aliansi, Asisten Vice President Bisnis Pendukung; PT Bank UoB sebagai Vice President Pengembangan Produk dan Strategi (2013-Januari 2015).

Imelda Kharisman, 42 years old. Earned a Bachelor of Electrical Engineering from Institut Teknologi Nasional (ITN) Malang in 1997. She was appointed as Head of Business and Product Development Division of the Bank since 2015. she was a Plant Manager Secretary of PT Wana Harapan Pratama (1998-2000); and several positions in PT Bank Ekonomi Raharja Tbk (2000-2013) as Staff of Product, Service Development and Promotion Division, Assistant Manager of Business Development, Manager of e-Product Development, Senior Manager of Funding Product Development Department, Assistant Vice President of Bank Alliance, Product Development, Assistant Vice President of Business Support; PT Bank UoB Indonesia as Vice President of Product and Strategy Development (2013–January 2015).

Imelda Kharisman

Kepala divisi Pengembangan Bisnis & Produk

business & Product Development

Division Head

Kris Sarjito

Kepala divisi Perencanaan

Keuangan, Akunting & MIS

Financial Planning, Accounting

& MIS Division Head

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Proil Pejabat Eksekutif

26

Lahir di Jakarta pada tahun 1984. Menyelesaikan S1 pada tahun 2007 di Universitas Katolik Indonesia Atma Jaya, Jakarta, jurusan Manajemen Ekonomi dengan predikat Cum Laude. Karirnya dimulai sejak tahun 2007 di PT Bank International Indonesia Tbk (BII) dan selanjutnya bekerja di PT WoM Finance Tbk. Finalis “Indonesia

Future HR Leader” yang diselenggarakan Majalah SWA. Mulai

bergabung dengan Bank sejak Januari 2013.

Born in Jakarta, 1984. graduated with Bachelor’s degree with cum Laude in Economics Management from Universitas Katolik Indonesia Atma Jaya, Jakarta, in 2007. She started her career in 2007 working with PT Bank International Indonesia Tbk (BII) and later with PT WoM Finance Tbk. A finalist in the “Indonesia Future HR Leader” competition held by SWA Magazine. Joined with the Bank since January 2013.

Lahir di Surakarta pada tahun 1974. Menyelesaikan S1 pada tahun 1992 di Universitas Padjajaran, Bandung, jurusan Akuntansi. Memulai karir sejak tahun 1997 dimulai di HSBc, Jakarta. Selanjutnya bekerja di beberapa perusahaan, yaitu pada PT Jakarta Land Management dan PT Bank Ekonomi Raharja. Mulai bergabung dengan Bank sejak tahun 2013.

Born in Surakarta, 1974. obtained a Bachelor’s degree in Accounting from Universitas Padjajaran, Bandung in 1992. Started her career with HSBc Jakarta in 1997, and later moving on to work with other companies including PT Jakarta Land Management and PT Bank Ekonomi Raharja. Joined with the Bank since 2013.

Yoan Novianna

Kepala divisi Sumber daya Manusia

Human Resources Development

Division Head

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gatot gunaryo, 49 tahun. Meraih gelar Sarjana Ekonomi dari Universitas gajah Mada, yogyakarta, 1990. Beliau ditunjuk menjadi Kepala Divisi Treasury sejak Februari 2015, beliau juga pernah bekerja sebagai Dealer Forex di Industrial Bank of Japan – Jakarta (1991-1994 ) dan Bank Societe Generale Indonesia (1994-1998), kemudian menjabat di PT Danareksa (Persero) di Divisi Risiko Manajemen, PT Danareksa Futures yaitu anak perusahaan dari PT Danareksa (Persero), Treasury/Dealing Room (1999-2009); PT Bank IcB Bumiputera sebagai Head of Trading (2009-2009); PT Bank Pundi Indonesia, Tbk. sebagai Vice President Treasury/Dealing Room (oktober 2010 – Januari 2015).

Mr. gatot gunaryo, 49 years old. He obtained Bachelor of Economic from gadjah Mada University, yogyakarta in 1990. He was appointed as the Bank Head of Treasury Division since February 2015, he was at Forex Trader at Industrial Bank of Japan - Jakarta (1991-1994) dan Bank Societe generale Indonesia (1994-1998), before joining with PT Danareksa (Persero) in Risk Management Division, PT Danareksa Futures, a subsidiary of PT Danareksa (Persero), Treasury/Dealing Room (1999–2009); PT Bank IcB Bumiputera as Head of Trading (2009–2009); PT Bank Pundi Indonesia Tbk as Vice President Treasury/Dealing Room (october 2010 - January 2015). Lahir di Jakarta pada tahun 1967. Menyelesaikan S1 pada tahun

1990 di STMIK Budi Luhur Jakarta, jurusan Teknik Informatika. Mengikuti berbagai training dibidang IT dan telah memiliki sertifikasi profesi International bidang IT seperti: ITIL-F, MPM, dan DcIF. Memulai karir sejak tahun 1988 dimulai di PT Bakrie group Jakarta. Selanjutnya bekerja di PT Bank Bukopin dari tahun 1988. Mulai bergabung dengan Bank Agris sejak tahun 2013.

Born in Jakarta, 1967. graduated with a Bachelor’s degree in Informatics Engineering from STMIK Budi Luhur, Jakarta, in 1990. Followed multiple trainings in IT fields such as: ITIL-F, MPM, and DcIF. He started his career in 1988 with PT Bakrie group, Jakarta. After that, he worked in PT Bank Bukopin in 1988. Then, in 2013, he joined with PT Bank Agris.

Susanto

Kepala divisi Teknologi Informasi

Information Technology Division Head

Gatot Gunaryo

Kepala divisi Treasury

Treasury Division Head

28

Lahir di Jakarta pada tahun 1967. Menyelesaikan S1 pada tahun 1992 di Universitas Indonesia, jurusan Management Finance.

Memulai karir sejak tahun 1992 di PT Bank Aspac, Jakarta. Selanjutnya bekerja pada PT Bank Surya, Badan Penyehatan Perbankan Nasional (BPPN), dan PT Bank Ekonomi Raharja. Mulai bergabung dengan Bank sejak oktober 2013.

Born in Jakarta, 1967. obtained a Bachelor’s degree in Finance Management from University of Indonesia in 1992. Started her carreer in 1992 with PT Bank Aspac, Jakarta. Subsequently, she worked at PT Bank Surya, Indonesian Bank Restructuring Agency (IBRA) and PT Bank Ekonomi Raharja. She joined with the Bank since october 2013.

Lahir di Jakarta tahun 1979. menyelesaikan S1nya pada tahun 2001 di Persada University of Indonesia YAI Majoring Economic

Management (Analisis Likuiditas dalam meningkatkan profitabilitas

perusahaan) dan sedang melanjutkan Study at Persada University of Indonesia YAI at Magister Management (MM) S2 Majoring

Finance Management dari tahun 2007 sampai saat ini. memulai

karir sejak tahun 2002 di PT Bank Indonesia International (BII),

2004 – 2008, Perum Pegadaian, 2009 – 2011, Bank Mandiri, 2012, Bank Victoria, Januari 2013 – April 2014, Credit & Policy Procedure

Manager at Sampoerna Financial Group, Mulai Bergabung dengan

Bank pada tahun 2014.

Born in Jakarta, 1979. He finished his bachelor degree in 2001 from Persada University of Indonesia yAI Majoring Economic Management (Analyzing Likuidity in improving profitability for company) and currently continuing his study at Persada University of Indonesia yAI at Magister Management (MM) S2 Majoring Finance Management from 2007 until now. Starting his career since 2002 in PT Bank Indonesia International (BII), 2004 – 2008, in Perum Pegadaian, 2009 – 2011, Bank Mandiri, 2012, Bank Victoria, Januari 2013 – April 2014, credit & Policy Procedure Manager at Sampoerna Financial group, He finally joined with the Bank in 2014.

Irma A. Pangemanan

Kepala divisi credit Review

Credit Review Division Head

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Ronald Aris

Kepala divisi Operasi

Operation Division Head

Edi

Kepala divisi Bisnis Banking

business banking Division Head

30

Edi, lahir di Baturaja pada tahun 1966. Menyelesaikan pendidikan di AAN pada tahun 1988 dan S1 di Global Institute of Managemen

jurusan Marketing pada tahun 1999. Memulai Karirnya dari tahun 1989-1999 di PT Bank Dharmala, selanjutnya beliau bekerja di PT Bank Ekonomi Raharja Tbk 1999-2013. beliau bergabung bersama Bank pada tahun 2013.

Mr. Edi, born in Baturaja, 1966. He completed his bachelor degree in global Institute of Managemen in Marketing qualification in 1999. He started his career by working from 1989 to 1999 with PT Bank Dharmala, continued after that, he worked in PT Bank Ekonomi Raharja Tbk 1999-2013. He officially joined the Bank in 2013.

Lahir di Semarang pada tahun 1978. menyelesaikan S1nya pada tahun 1999 di Universitas Katolik Parahyangan, Bandung dengan jurusan relasi internasional. karirnya dimulai sejak tahun 2000 Di PT Bank Ekonomi Raharja Tbk, dan selanjutnya bekerja di PT Bank UoB Indonesia Tbk pada tahun 2013-2014. mulai bergabung dengan Bank sejak Februari 2014.

Born in Semarang, 1978. obtained his bachelor degree in 1999 from Universitas Katolik Parahyangan, Bandung in Internasional Relations. His career had started since 2000 in PT Bank Ekonomi Raharja Tbk, after that he worked in PT Bank UoB Indonesia Tbk in 2013-2014. He joined with Bank since February 2014.

didin Nuryadin

Kepala divisi Kepatuhan dan APU PPT

Compliance & APu PPT Division Head

The Executive Oficers’ Proile | Annual Report 2015 | PT Bank Agris Tbk | 31

Lahir di kuningan pada tahun 1968, menyelesaikan S1nya di Universitas gadjah Mada pda tahun 1993, memulai karirnya pada tahun 1994-1999 di PT. Bank Dagang Negara (Persero), selanjutnya beliau bekerja di PT Bank Mandiri dari tahun 1999-2006, pada tahun 2006-2007 beliau menjabat sebagai manager keuangan di PT Mitra Kharisma Utama Lestari, 2006-2009 bekerja di PT Bank Fama Internasional, beliau bergabung dengan Bank sejak tahun 2012.

Born in Kuningan, 1968, completed his bachelor degree in Universitas gadjah Mada in 1993, started his career 1994-1999 in PT. Bank Dagang Negara (Persero), followed by working PT Bank Mandiri dari tahun 1999-2006, in 2006-2007 he assumed his role as Finance Manager in PT Mitra Kharisma Utama Lestari, In 2006-2009 he worked in PT Bank Fama Internasional before he finally joined the Bank in 2012.

Lahir di Jakarta pada tahun 1966. Menyelesaikan pendidikan D3 di LPK Tarakanita, Jakarta dan S1 bidang Pendidikan Bahasa Inggris di Universitas Indraprasta PgRI, Jakarta. Memulai karir sejak 1989 diantaranya di PT Bank Niaga dan PT Bank Papan Sejahtera. Pernah menjabat sebagai Perwakilan Eksekutif basis Jakarta di

Bio Nutrition Research/Samaphan Group; Sekretaris Eksekutif

dan Asisten Sekretaris Perusahaan, Koordinator Pelatihan, Asisten Tresuri di PT Sarana Multigriya Finansial (Persero); Investor

Relations di Primagama. Bergabung dengan Bank Agris sejak

tahun 2012 dan ditunjuk menjadi Sekretaris Perusahaan sejak 13 Maret 2014.

Born in Jakarta, 1966. completed her Diploma in LPK Tarakanita, Jakarta and her Bachelor degree of English Language from University Indraprasta PgRI, Jakarta. She started her career since 1989 by working in PT Bank Niaga and PT Bank Papan Sejahtera. She had filled her role as Executive Representative in Jakarta, at Bio Nutrition Research/Samaphan group; Executive Secretary and corporate Secretary Assistant, Training coordinator, Treasury Assistant at PT Sarana Multigriya Financial (public company); Investor Relation at Primagama. She joined with Bank Agris since 2012 and was appointed as corporate Secretary from March 13, 2014.

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BISNIS PERUSAHAAN

coMPANy BUSINESS

| PT Bank Agris Tbk | Laporan Tahunan 2015 | Bisnis Perusahaan 32

Bank didirikan di Jakarta dengan nama PT Finconesia (“Finconesia”) sesuai dengan peraturan Keputusan Menteri Keuangan Republik Indonesia No. Kep. 792/MK/IV/12/1970 tanggal 7 Desember 1970 dan berdasarkan Akta Perseroan Terbatas No. 85 tanggal 13 Nopember 1973 juncto Akta Perubahan No. 315 tanggal 29 Maret 1974. Finconesia merupakan lembaga keuangan yang pada saat itu sahamnya dipegang oleh PT Bank Negara Indonesia 1946, The Nomura Securities Co. Ltd, Barclays Bank International Limited, Manufactures Hanover International Finance Corporation, The

Mitsui Bank Ltd, Banque Francaise Du Commerce Exterieur dan

Commerzbank Aktiengesellchaft.

Pada tahun 1993, Finconesia berubah dari lembaga keuangan menjadi Bank Umum berdasarkan Surat Keputusan Menteri Keuangan Republik Indonesia No. 442/KMK.017/1993 tanggal 9 Maret 1993 sehingga nama Finconesia berubah menjadi PT Bank Finconesia (“Bank Finconesia”).

Nama Bank Finconesia resmi berubah namanya menjadi PT Bank Agris berdasarkan Akta Perseroan Terbatas No.146 tanggal 18 Juli 2008 yang dibuat di hadapan Sutjipto, SH, M.Kn, Notaris di Jakarta dan telah diumumkan dalam SK Menkumham No. AHU-45703. AH.01.02 tahun 2008, tanggal 29 Juli 2008 (Akta No. 146/2008) yang juga merupakan penyesuaian atas Undang-undang No. 40 Tahun 2007 (“UUPT”).

Pada tahun 2014, Bank Agris telah melakukan Penawaran Umum Perdana Saham (Initial Public Offering / IPo) dan telah mencatatkan sahamnya di Bursa Efek Indonesia. Dengan demikian Bank Agris telah menjadi perusahaan terbuka dengan nama PT Bank Agris Tbk, sesuai Akta Perseroan Terbatas Nomor 43 tanggal 28 Agustus 2014 yang dibuat di hadapan Fathiah Helmi, SH. Notaris di Jakarta dan telah diumumkan dalam SK Menkumham No. AHU-07146.40.20.2014.

The Bank was established in Jakarta with the name PT Finconesia (“Finconesia”) in accordance with the Decree of the Minister of Finance of Republic of Indonesia No. Kep. 792/MK/IV/12/1970 dated December 7, 1970, based on the Deed of Limited Liability No. 85 dated November 13, 1973 juncto Deed of Amendment No. 315 dated March 29, 1974. Finconesia was a financial institution which shares were owned by PT Bank Negara Indonesia 1946, The Nomura Securities co. Ltd, Barclays Bank International Limited, Manufactures Hanover International Finance corporation, The Mitsui Bank Ltd, Banque Francaise Du commerce Exterieur and commerzbank Aktiengesellchaft.

In 1993, Finconesia changed from financial institution to Public Bank based on the Decree Letter of Minister of Finance of Republic of Indonesia No. 442/KMK.017/1993 dated March 9, 1993 so the name of Finconesia changed to PT Bank Finconesia (“Bank Finconesia”).

The name of Bank Finconesia was officially changed to PT Bank Agris based on the Deed of Limited Liability No. 146 dated July 18, 2008 that was made in front of Sutjipto, SH, M.Kn, Notary in Jakarta and had been announced in Decree Letter of Minister of Law and Human Rights No. AHU-45703.AH.01.02 in 2008, dated July 29, 2008 (Deed No. 146/2008) that was also an adjustment on the Legislation No. 40 year 2007 (“UUPT”).

In 2014, Bank Agris had conducted Initial Public offering of New Shares and listed its shares on Indonesia Stock Exchange. By then, Bank Agris had listed itself as a public company with the name of PT Bank Agris Tbk, according to Deed of Limited Liability No. 43 dated August 28, 2014 that was made in front of Fathiah Helmi, SH. Notary in Jakarta and had been announced in Decree Letter of Minister of Law and Human Rights No. AHU-07146.AH.40.20. in 2014. Issued and Fully Paid Capital Pencatatan di Bursa Share Listing

Kantor Pusat / Alamat Kontak Head Ofice / Contact Address

Akuntan Publik

akta perseroan terbatas no. 85/1973 jo akta perubahan no. 315/1974

Deed of Limited Liability No. 85/1973 juncto Deed of Amendment No. 315/1974

pt dian intan perkasa (82,59%) benjamin Jiaravanon (0,28%)

masyarakat / Public (17,12%)

rp. 900.000.000.000

rp. 525.617.664.400

saham perdana bank agris telah dicatatkan di bursa efek indonesia pada tanggal 22 desember 2014 dengan kode perdagangan aGrs. pada tahun 2015, bank melaksanakan penawaran umum terbatas i (put i), dengan tanggal pencatatan saham baru di bursa efek indonesia sejak 23 desember 2015 sampai dengan 6 Januari 2016.

The Bank’s first issued had been listed in Indonesia Stock Exchange on December 22, 2014 with stock code AGRS. In 2015, the Bank performed Limited Public Offering I with annotation of share in Indonesian Stock Exchange dated since Desember 23, 2015 until January 6, 2016.

Wisma GKbi suite uG-01 Jl. Jend. sudirman no. 28 Jakarta 10210, indonesia

Kap Gani sigiro & handayani

Gedung International Finance Centre lantai 15

Jl. Jend. sudirman Kav. 22-23 Jakarta selatan, indonesia

pt adimitra Jasa Korpora Rukan Kirana Boutiqe Ofice Jl Kirana aveneu iii blok F3 no 5 Kelapa Gading, Jakarta utara

ita hidayati

corsec@bankagris.com