Laporan Tahunan 2006

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Laporan฀Tahunan฀2006

(2)

Bank฀DKI฀in฀Brief฀p.1.

Vision฀and฀Mission฀p.2.฀Bank฀DKI฀Cares฀for฀Education฀p.6.

Financial฀Highlights฀p.8.฀Awards฀p.9.฀Corporate฀Culture฀p.10.฀Signiﬁcant฀Events฀p.14.฀ Report฀of฀The฀Board฀of฀Commissioner฀p.18.฀Board฀of฀Commissioner฀p.24.฀

Message฀from฀The฀Board฀of฀Directors฀p.26.

Board฀of฀Directors฀p.32.฀Management฀Report฀p.38.฀Good฀Corporate฀Governance฀p.48.฀Audit฀ Committee฀Report฀p.64.฀Audit฀Committee฀p.66.฀Social฀Responsibility฀p.68.฀Management’s฀ Discussion฀and฀Analysis฀p.72.฀Responsibility฀for฀Annual฀Reporting฀p.81.฀Financial฀Report฀p.83.฀ Corporate฀Data฀p.199

Daftar฀Isi

Table฀of฀Contents

Sekilas฀Bank฀DKI฀h.1.

Visi฀dan฀Misi฀h.2.

Bank฀DKI฀Peduli฀Pendidikan฀h.6.

Ikhtisar฀Keuangan฀h.8.

Penghargaan฀h.9.

Budaya฀Kerja฀h.10.

Peristiwa฀Penting฀h.14.

Laporan฀Dewan฀Komisaris฀h.18.

Dewan฀Komisaris฀h.24.

Laporan฀Direksi฀h.26.

Direksi฀h.32.

Laporan฀Manajemen฀h.38.

Tata฀Kelola฀Perusahaan฀h.48.

Laporan฀Komite฀Audit฀h.64.

Komite฀Audit฀h.66.

Tanggung฀Jawab฀Sosial฀h.68.

Pembahasan฀dan฀Analisa฀oleh฀Manajemen฀h.72.

Tanggung฀Jawab฀Pelaporan฀Tahunan฀h.81.

Laporan฀Keuangan฀h.83.

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฀Laporan฀T No.฀ 152฀ tanggal฀ 30฀ Januari฀ 2006฀ mengenai฀ penambahan฀ modal฀ dasar฀ menjadi฀ Rp฀ 1.000.000.000.000฀ dan฀ peningkatan฀modal฀disetor.฀Perubahan฀terakhir฀ini฀telah฀disetujui฀oleh฀Menteri฀Hukum฀dan฀Hak฀Asasi฀Manusia฀ Owned฀ Company฀ of฀ DKI฀ Jakarta฀ established฀ under฀ the฀ Provincial฀ Regulation฀ No.฀ 13,฀ 1962฀ regarding฀ Basic฀ Provisions฀ for฀ Rural฀ Development฀ Banks฀ and฀ later฀ under฀ Provincial฀ Regulation฀ No฀ 1,฀ 1993฀ dated฀ January฀ 15,฀ 1993,฀ which฀ increased฀ its฀ capital฀ from฀ Rp฀50,000,000,000฀to฀Rp฀300,000,000,000฀on฀May฀5,฀ 1999.฀On฀May฀6,฀1999,฀the฀Company฀was฀changed฀ into฀ a฀ Limited฀ Liability฀ with฀ a฀ base฀ capital฀ of฀ Rp฀ 700,000,000,000.฀

The฀statutory฀change฀from฀a฀Provincial฀Government-Owned฀ Company฀ to฀ a฀ Limited฀ Liability฀ has฀ been฀ approved฀ by฀ the฀ Provincial฀ Government฀ of฀ DKI฀ Jakarta,฀as฀set฀forth฀in฀the฀฀Provincial฀Regulation฀ No.฀1,฀1999฀dated฀February฀1,฀1999฀and฀duly฀notarized฀ by฀Notarial฀Deed฀of฀Harun฀Kamil,฀SH฀No.฀4฀dated฀May฀ 6,฀1999฀and฀approved฀by฀the฀Minister฀of฀Justice฀with฀ Decision฀ Letter฀ No.฀ C-8270.HT.01.01.Th.99฀ dated฀ May฀ 7,฀ 1999฀ and฀ has฀ been฀ publicly฀ announced฀ in฀ State฀ Gazette฀ No.฀ 45.฀ Supplement฀ No.฀ 3283฀ dated฀ June฀4฀,1999.฀

was฀recorded฀by฀Notarial฀Deed฀Sutjipto,฀SH.฀

No.฀152฀dated฀January฀30,฀2006฀regarding฀the฀increase฀ of฀ the฀ bank’s฀ capital฀ to฀ Rp฀ 1,000,000,000,000฀ and฀ increase฀ in฀ paid-up฀ capital.฀ This฀ latest฀ change฀ has฀ been฀approved฀by฀the฀Minister฀of฀Justice฀and฀Human฀ Rights฀ with฀ Decision฀ Letter฀ No.฀ C-16615฀ HT.01.04. TH.2006฀dated฀June฀7,฀2006.

฀฀

The฀Bank฀engaged฀in฀the฀banking฀general฀activities.฀In฀ line฀with฀the฀Decision฀Letter฀of฀the฀Board฀of฀Directors฀ of฀ Bank฀ Indonesia฀ No.฀ 25/67/KEP/DIR฀ dated฀ 30฀ November฀1992,฀the฀Bank฀was฀provided฀a฀license฀to฀ conducting฀its฀activities฀as฀a฀foreign฀exchange฀bank.฀

The฀ Bank฀ has฀ started฀ its฀ sharia฀ banking฀ activities฀ since฀ it฀ received฀ a฀ letter฀ from฀ Bank฀ Indonesia฀ No.฀ 6/39/DpbS฀dated฀13฀January฀2004฀on฀the฀principles฀ of฀sharia฀ofﬁce฀channeling฀within฀a฀bank’s฀commercial฀ activities.฀ The฀ Bank฀ initiate฀ its฀ operational฀ activities฀ based฀on฀those฀sharia฀principles฀in฀March฀2004.

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฀Laporan฀T

ahunan฀

2006

฀Annual฀Report

฀

Membangun฀tim฀yang฀tangguh

Developing฀a฀talented฀Team฀

Vision.฀‘To฀be฀the฀best฀bank฀that฀inspired฀pride’

Mission.฀‘A฀bank฀of฀excellence฀in฀performance,฀be฀a฀strategic฀partner฀for฀ businesses,฀communities฀and฀the฀Provincial฀Government฀of฀DKI฀Jakarta,฀ and฀could฀contribute฀in฀adding฀value฀to฀stakeholders฀through฀integrate฀and฀ professional฀services฀excellent’

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฀Annual฀Report

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Visi.฀‘Menjadi฀Bank฀Terbaik฀

yang฀Membanggakan’

Misi.฀‘Bank฀berkinerja฀unggul,฀

mitra฀strategis฀dunia฀usaha,฀

masyarakat฀dan฀andalan฀

Pemerintah฀Provinsi฀DKI฀

Jakarta฀yang฀memberi฀nilai฀

tambah฀bagi฀

stakeholder

฀

melalui฀pelayanan฀terpadu฀dan฀

profesional’

Nilai-nilai.฀‘Komitmen,฀

Teamwork

,฀Profesional,฀

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฀Laporan฀T

•฀฀Customer฀centric,฀antara฀ lain฀ selling฀secara฀฀ ฀ profesional฀

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฀Laporan฀T

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฀Annual฀Report

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Menjadi฀sebuah฀mata฀rantai

di฀bidang฀pendidikan

Becoming฀a฀valuable฀chain฀in฀the฀ﬁeld฀of฀education

In฀line฀with฀the฀commitment฀of฀the฀Central฀Government฀and฀the฀Provincial฀Government฀of฀DKI฀ Jakarta฀to฀improve฀the฀education฀system฀in฀Indonesia,฀Bank฀DKI฀supported฀the฀administration฀ and฀ salary฀ payment฀ for฀ 43,870฀ teachers฀ in฀ the฀ greater฀ Jakarta฀ area.฀ This฀ initiative฀ is฀ the฀ implementation฀of฀DKI฀Jakarta฀Governor’s฀Instruction฀Number฀162,฀2003฀on฀the฀Salary฀Payment฀ Method฀for฀kindergarten,฀elementary,฀and฀high฀school฀teachers฀in฀the฀Jakarta.฀Bank฀DKI฀also฀ supported฀the฀disbursement฀of฀government฀assistance฀for฀school฀operational฀and฀educational฀ expenses฀ amounting฀ to฀ Rp฀ 1.3฀ trillion.฀ We฀ also฀ provide฀ the฀ subsidized฀ payment฀ to฀ private฀ teachers฀amounting฀to฀50,000฀recipients฀and฀the฀service฀of฀social฀welfare฀distribution฀to฀5,000฀ religion฀teachers฀and฀the฀salary฀of฀6,952฀temporary฀teachers.

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฀Laporan฀T

ahunan฀

2006

฀Annual฀Report

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Sejalan฀dengan฀komitmen฀Pemerintah฀

Pusat฀dan฀Pemerintah฀Provinsi฀DKI฀Jakarta฀

untuk฀memajukan฀pendidikan,฀Bank฀DKI฀

mendukung฀dengan฀menangani฀pembayaran฀

gaji฀43.870฀guru฀negeri฀di฀wilayah฀DKI฀

Jakarta฀sebagai฀wujud฀pelaksanaan฀Instruksi฀

Gubernur฀DKI฀Jakarta฀No.฀162฀tahun฀2003฀

tentang฀Mekanisme฀Pembayaran฀Gaji฀Guru฀

TKN,฀SDN,฀SDLBN,฀SLTPN,฀SMUN฀dan฀

SMKN฀Provinsi฀DKI฀Jakarta.฀Bank฀DKI฀juga฀

melayani฀penyaluran฀Biaya฀Operasional฀

Sekolah฀(BOS)฀dan฀Biaya฀Operasional฀

Pendidikan฀(BOP)฀senilai฀Rp฀1,3฀triliun.฀Serta฀

melayani฀pembayaran฀subsidi฀guru฀swasta฀

sebanyak฀50.000฀orang฀ditambah฀dengan฀

pelayanan฀pemberian฀kesra฀5.000฀guru฀

agama฀dan฀honor฀guru฀bantu฀6.952฀orang.฀

Dalam฀waktu฀dekat฀ini฀Bank฀DKI฀akan฀

meluncurkan฀program฀“Guruku฀Sahabatku”,฀

yang฀memberikan฀kemudahan฀terhadap฀

guru฀termasuk฀dalam฀hal฀pembiayaan฀untuk฀

pembayaran฀uang฀sekolah,฀kendaraan฀

bermotor,฀rumah,฀pembelian฀

laptop

฀dan฀

lainnya.฀Hingga฀akhir฀tahun฀2006฀portofolio฀

kredit฀Bank฀DKI฀bagi฀dunia฀pendidikan฀

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฀Laporan฀T

ahunan฀

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฀Annual฀Report

฀

Ikhtisar฀Keuangan

Financial฀Highlights

(miliar฀Rupiah,฀kecuali฀rasio฀keuangan)฀฀฀฀฀฀฀฀฀฀ ฀ ) ฀

฀ ฀ ฀ 2002฀ 2003฀ 2004฀ 2005฀ 2006

NERACA฀ ฀ ฀ ฀ ฀ ฀ BALANCE฀SHEET฀

Total฀Aktiva฀ 5.672฀ ฀5.626฀฀ ฀6.886฀ ฀8.663฀ 11.187฀ Total฀Assets฀ Aktiva฀Produktif฀ ฀5.374฀฀ ฀5.078฀ ฀6.345฀ ฀7.550฀฀ 9.553฀ Earning฀Assets

Kredit฀yang฀Diberikan฀ ฀ ฀ ฀ ฀ ฀ Loans

(setelah฀dikurangi฀penyisihan฀kerugian)฀ ฀951฀฀ ฀1.697฀฀ 2.197฀฀ ฀2.593฀ 3.526฀(net฀of฀allowance฀for฀possible฀losses)

Dana฀Pihak฀Ketiga฀ 4.686฀ ฀4.709฀ 5.832฀ ฀6,6฀ 7฀ Third฀Party฀Funds

Pinjaman฀Diterima฀ 12฀฀ ฀10฀฀ ฀34฀ ฀59฀ 67฀ Borrowings

Ekuitas฀ ฀ 456฀ ฀453฀ 582฀฀ 670฀ 750฀ Equity

LABA฀RUGI฀ ฀ ฀ ฀ ฀ ฀ STATEMENT฀OF฀INCOME฀

Pendapatan฀Bunga฀ ฀696฀ ฀698฀ ฀757฀฀ 913฀฀ 1.195฀ Interest฀Income

(termasuk฀provisi฀dan฀komisi)฀ ฀ ฀ ฀ ฀ ฀ (fees฀and฀commissions฀included)

Biaya฀Bunga฀ 422฀฀ 404฀฀ 318฀฀ ฀453฀ 675฀ Interest฀Expenses

Pendapatan฀Bunga฀Bersih฀ ฀274฀฀ ฀294฀฀ ฀439฀฀ ฀460฀฀ 520฀ Net฀Interest฀Income

Beban฀Operasional฀Bersih฀ 152฀ ฀160฀ 195฀฀ ฀281฀฀ 352฀ Net฀Operating฀Expenses

Laba฀Operasi฀ 122฀ ฀134฀฀ ฀244฀฀ ฀122฀฀ 178฀ Operating฀Income

Laba฀(Rugi)฀Sebelum฀Pajak฀ 122฀ ฀136฀฀ ฀243฀฀ ฀143฀ 154฀ Income฀Before฀Tax

Laba฀(Rugi)฀Setelah฀Pajak฀ 80฀ ฀84฀ ฀164฀ 99฀฀ 103฀ Net฀Income

RASIO฀KEUANGAN฀(%)฀ ฀ ฀ ฀ ฀ ฀ FINANCIAL฀RATIO฀(%)฀

Kredit฀Yang฀Diberikan฀Terhadap฀Dana฀฀ ฀ ฀ ฀ ฀ ฀ ฀

Pihak฀Ketiga฀(LDR)฀ ฀26,79฀฀ ฀44,00฀฀ 51,61฀ 41,71฀฀ 52,40฀ Loan฀to฀Deposit฀Ratio

Rasio฀Kecukupan฀Modal฀(CAR)฀ ฀26,03฀฀ ฀19,62฀฀ ฀22,87฀฀ ฀19,31฀฀ 17,81฀ Capital฀Adequacy฀Ratio

฀ ฀ ฀ ฀ ฀ ฀ ฀ ฀ Non฀Performing฀Earning฀

Rasio฀Aktiva฀Produktif฀฀Bermasalah฀ ฀1,69฀฀ ฀1,51฀฀ 1,31฀ ฀1,87฀฀ 1,65฀ ฀Asset฀Ratio

฀ ฀ ฀ ฀ ฀ ฀ ฀ ฀ Classiﬁed

Rasio฀Aktiva฀Produktif฀Yang฀Diklasiﬁkasi฀ ฀1,71฀ ฀1,48฀฀ ฀1,27฀฀ ฀2,20฀฀ ฀1,68฀ Earning฀Assets฀Ratio

Net฀Interest฀Margin฀(NIM)฀ 5,82฀ ฀5,70฀฀ ฀7,72฀ ฀6,68฀฀ 6,43฀ Net฀Interest฀Margin

Beban฀Operasi฀Terhadap฀ ฀ ฀ ฀ ฀ ฀ Operating฀Expenses

Pendapatan฀Operasi฀(BOPO)฀ ฀86,05฀฀ ฀81,81฀฀ ฀72,27฀฀ 87,49฀ 86,20฀ to฀Operating฀Income฀

Laba฀Sebelum฀Pajak฀Terhadap฀฀

Total฀Aktiva฀(ROA)฀ ฀2,41฀ ฀2,40฀฀ ฀3,85฀฀ ฀1,82฀ 1,65฀ Return฀on฀Assets

Laba฀Setelah฀Pajak฀Terhadap

Modal฀Sendiri฀(ROE)฀ 19,61฀ ฀20,20฀฀ 32,21฀฀ ฀16,91฀฀ ฀15,60฀ Return฀on฀Equity

NPL฀-฀Gross฀ ฀9,59฀฀ 4,53฀฀ ฀3,78฀฀ ฀5,36฀ 4,55฀฀ Non฀Performing฀Loan฀-฀Gross

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฀Laporan฀T

ahunan฀

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฀Annual฀Report

฀

PENGHARGAAN฀BANK฀DKI Infobank฀Award฀2006฀dengan฀kategori฀ bank฀dengan฀kinerja฀keuangan฀tahun฀2005฀ sangat฀bagus.

PENGHARGAAN฀BANK฀DKI฀SYARIAH Investor฀Syariah฀Award฀2006฀sebagai฀Bank฀ Unit฀Usaha฀Syariah฀Terbaik฀kategori฀aset฀ dibawah฀Rp฀100฀miliar.

Islamic฀Finance฀Quality฀Award฀&฀Islamic฀ Financial฀Award฀2006฀sebagai฀‘The฀Best฀ Community฀Bank’.

Islamic฀Finance฀Quality฀Award฀&฀Islamic฀ Financial฀Award฀2006฀sebagai฀‘The฀Most฀ Convenient฀Ofﬁce’.

Penghargaan

Awards

BANK฀DKI฀AWARDS

Infobank฀Award฀2006฀on฀the฀category฀ of฀bank฀with฀the฀excellent฀ﬁnancial฀ performance฀in฀2005.

BANK฀DKI฀SHARIA฀AWARDS

Investor฀Sharia฀Award฀2006฀as฀the฀Bank฀ with฀the฀Best฀Sharia฀Business฀Unit,฀ category฀below฀Rp฀100฀billion.

Islamic฀Finance฀Quality฀Award฀&฀Islamic฀ Financial฀Award฀2006฀as฀‘The฀Best฀ Community฀Bank’.

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ahunan฀

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฀Annual฀Report

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Budaya฀Kerja

Corporate฀Culture

Teguh฀dan฀tegarkan฀kami฀dalam฀menjaga฀

komitmen

฀

untuk฀bekerja฀dalam฀satu฀

teamwork

฀yang฀saling฀

melengkapi.฀Dengan฀semangat฀

profesionalisme

฀

yang฀diiringi฀dengan฀ketulusan฀hati฀untuk฀selalu฀

bisa฀memberikan฀

pelayanan

฀yang฀terbaik.฀Untuk฀

menegakkan฀

disiplin

฀yang฀dilandasi฀

kerja฀keras

฀

secara฀cerdas฀serta฀memiliki฀

integritas

฀yang฀tinggi฀

sehingga฀terpatri฀menjadi฀budaya฀kehidupan฀kami฀

sehar-hari.฀Agar฀kami฀semua฀terpacu฀untuk฀dapat฀

mewujudkan฀Bank฀DKI฀untuk฀Menjadi฀Bank฀Terbaik฀

yang฀Membanggakan.฀฀

Let฀us฀stand฀ﬁrm฀in฀our฀commitment฀to฀work฀as฀one฀in฀a฀supportive฀teamwork,฀with฀a฀spirit฀of฀

(13)

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฀Laporan฀T

•฀ Menindaklanjuti฀setiap฀masalah฀yang฀menjadi฀tanggung-jawab฀saya฀dan฀memastikan฀฀ ฀ ฀ ฀ penyelesaiannya฀hingga฀tuntas •฀ Positif฀thinking

•฀ Berwawasan฀luas฀dan฀pandangan฀jauh฀ke฀depan •฀ Bekerja฀berdasarkan฀prinsip฀kehati-hatian฀(prudent)

(15)

฀Laporan฀T

(16)

PT฀BANK฀DKI฀Laporan฀Tahunan฀2006฀Annual฀Report฀

14

Per

istiwa฀Penting฀2006

(17)

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฀Laporan฀T

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2006

฀Annual฀Report

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(21)

฀Laporan฀T

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2006

฀Annual฀Report

฀

Bank฀DKI฀telah฀mengambil฀langkah฀awal฀฀

transformasi฀organisasi฀dalam฀rangka฀

mewujudkan฀visi,฀misi฀serta฀nilai-nilai฀Peseroan฀

agar฀mampu฀“Menjadi฀Bank฀Terbaik฀yang฀

Membanggakan.”฀฀Upaya฀ini฀tidak฀lain฀

bertujuan฀฀memposisikan฀Bank฀DKI฀sebagai฀

bank฀yang฀benar-benar฀dapat฀menjadi฀

tuan฀rumah฀di฀wilayah฀DKI฀Jakarta฀yang฀

dilayaninya,฀dengan฀memberikan฀layanan฀

perbankan฀modern฀yang฀mampu฀bersaing฀

dengan฀semua฀bank-bank฀kelas฀dunia฀yang฀

beroperasi฀di฀Daerah฀Khusus฀Ibukota฀Jakarta฀

yang฀kita฀cintai.

Bank฀DKI฀has฀taken฀the฀initial฀steps฀towards฀an฀organizational฀transformation฀that฀ is฀designed฀to฀help฀us฀achieve฀our฀vision,฀mission฀and฀core฀values฀of฀becoming฀ “a฀leading฀bank฀worthy฀of฀our฀pride.”฀These฀efforts฀are฀aimed฀at฀positioning฀ Bank฀DKI฀more฀prominently฀in฀the฀DKI฀Jakarta฀area฀that฀it฀serves,฀by฀providing฀ advanced฀banking฀services฀that฀are฀at฀par฀with฀those฀offered฀by฀any฀of฀the฀world-class฀banks฀that฀operate฀in฀our฀beloved฀Special฀District฀Capital฀City฀of฀Jakarta.

Suryo฀Danisworo

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฀Laporan฀T 6,60%,฀ sedangkan฀ tingkat฀ suku฀ bunga฀ primer฀ Bank฀ Indonesia฀ sebagaimana฀ yang฀ berlaku฀ untuk฀ Sertiﬁkat฀ Bank฀Indonesia฀(SBI)฀satu-bulan฀diturunkan฀secara฀bertahap฀hingga฀mencapai฀9,75%.฀

Pertumbuhan฀ ekspor฀ menunjukkan฀ laju฀ percepatan฀ yang฀ menggembirakan,฀ dimana฀ ekspor฀ nasional฀ untuk฀ barang฀ dan฀ jasa฀ meningkat฀ sebesar฀ 17,55%,฀ terutama฀ ditunjang฀ oleh฀ kinerja฀ sektor฀ pertambangan฀ dan฀ pertanian฀yang฀meningkat฀dan฀harga-harga฀komoditas฀dunia฀yang฀cenderung฀tinggi฀sepanjang฀tahun.฀Dengan฀ perkembangan฀ekspor฀yang฀menggembirakan฀ini,฀Neraca฀Pembayaran฀Nasional฀menunjukkan฀surplus฀sebesar฀ 3,8%฀Produk฀Domestik฀Bruto฀(PDB).฀Pertumbuhan฀PDB฀itu฀sendiri฀pada฀tahun฀2006฀mencapai฀5,5%,฀sedikit฀ di฀bawah฀pertumbuhan฀PDB฀sebesar฀5,6%฀pada฀tahun฀2005.

Sektor฀ pasar฀ modal฀ lagi-lagi฀ menunjukkan฀ kelenturannya฀ -฀resilience฀ -฀ untuk฀ cepat฀ pulih฀ dan฀ kembali฀ tumbuh฀ sekalipun฀ dihadapkan฀ pada฀ kondisi฀ perekonomian฀ yang฀ masih฀ penuh฀ tantangan,฀ walaupun฀ masih฀ dibayang-bayangi฀oleh฀volatilitas฀yang฀tinggi,฀untuk฀yang฀kesekian฀kalinya,฀Bursa฀Efek฀Jakarta฀(BEJ)฀tercatat฀ sebagai฀salah฀satu฀bursa฀efek฀dengan฀kinerja฀yang฀paling฀mengesankan฀di฀dunia.฀BEJ฀menunjukkan฀tingkat฀ pertumbuhan฀tertinggi฀kedua฀diantara฀bursa-bursa฀efek฀sedunia,฀setelah฀Bursa฀Efek฀Moskwa.฀฀฀฀฀฀

Ditunjang฀ oleh฀ sendi-sendi฀ ekonomi฀ makro฀ yang฀ menguat฀ pada฀ triwulan฀ terakhir฀ 2006,฀ sektor฀ perbankan฀ nasional฀ pun฀ menunjukkan฀ perkembangan฀ yang฀ cukup฀ menggembirakan.฀ Jumlah฀ keseluruhan฀ aktiva฀ perbankan฀ nasional฀ telah฀ mencapai฀ hampir฀ Rp฀ 1.700฀ triliun฀ pada฀ akhir฀ tahun฀ 2006,฀ dengan฀ pertumbuhan฀ kredit฀sebesar฀14%฀menjadi฀kurang฀lebih฀Rp฀97฀triliun฀serta฀pertumbuhan฀dana฀pihak฀ketiga฀sebesar฀15%฀ menjadi฀sekitar฀Rp฀159฀triliun฀per฀akhir฀tahun฀2006.฀

Indonesia’s฀ economic฀ conditions฀ have฀ shown฀the฀slow฀but฀steady฀improvements฀ of฀key฀macro-economic฀indicators฀as฀the฀ year฀progressed.฀Both฀inflation฀and฀interest฀ rates฀ which฀ had฀ remained฀ relatively฀ high฀ throughout฀the฀first฀half฀of฀2006฀–฀reaching฀ their฀ peaks฀ of฀ 17.10%฀ and฀ 12.75%฀ respectively฀ –฀ began฀ to฀ gradually฀ decline฀ in฀ the฀ second฀ half฀ of฀ the฀ year,฀ which฀ became฀ increasingly฀ pronounced฀ in฀ the฀ fourth฀quarter฀of฀the฀year.฀As฀at฀year-end฀ 2006,฀inflation฀had฀been฀reared฀to฀6.60%,฀ whereas฀the฀prime฀Bank฀Indonesia฀interest฀ rates฀ that฀ prevailed฀ for฀ the฀ one-month฀ Bank฀ Indonesia฀ Certificate฀ (SBI)฀ were฀ gradually฀cut฀down฀to฀reach฀9.75%.฀

Exports฀ showed฀ increasing฀ acceleration฀ and฀ encouraging฀ growth฀ momentum฀ in฀ 2006,฀ in฀ which฀ Indonesia’s฀ exports฀ of฀ goods฀and฀services฀increased฀by฀17,55%,฀ boosted฀primarily฀by฀the฀strong฀showings฀ from฀the฀mining฀and฀agriculture฀sectors฀and฀ bullish฀global฀commodity฀prices฀during฀the฀ year.฀ With฀ the฀ encouraging฀ development฀ of฀exports,฀Indonesia’s฀balance฀of฀payment฀ registered฀ a฀ surplus฀ of฀ 3.8%฀ of฀ Gross฀

Domestic฀ Product฀ (GDP).฀ The฀ growth฀ of฀ GDP฀itself฀in฀2006฀was฀5.5%,฀slightly฀below฀ GDP฀growth฀of฀5.6%฀in฀2005.

The฀ capital฀ markets฀ sector฀ again฀ showed฀ its฀ resilience,฀ bouncing฀ back฀ quickly฀ despite฀ persistent฀ challenges฀ to฀ the฀ economic฀conditions.฀Although฀still฀marked฀ by฀ high฀ market฀ volatility,฀ the฀ Jakarta฀ Stock฀ Exchange฀ yet฀ again฀ recorded฀ a฀ performance฀ that฀ was฀ among฀ the฀ best฀ in฀ the฀world.฀In฀2006,฀the฀JSX฀had฀the฀second฀ highest฀ market-index฀ growth฀ among฀ the฀ world’s฀ stock฀ exchanges,฀ just฀ behind฀ the฀ Moscow฀Stock฀Exchange.฀฀฀฀฀฀

(23)

฀Laporan฀T

Dewan฀ Komisaris฀ cukup฀ berbesar฀ hati฀ melihat฀ perkembangan฀ Bank฀ DKI฀ selama฀ tahun฀ 2006,฀ terutama฀ kemajuan฀yang฀berhasil฀diraih฀dari฀segi฀arah,฀strategi฀maupun฀rencana฀pengembangan฀usaha฀Bank฀DKI฀yang฀ meninggalkan฀ pembiayaan฀ usaha฀ kecil฀ yang฀ telah฀ menjadi฀ bagian฀ dari฀ tanggung฀ jawab฀ Bank฀ DKI฀ untuk฀ meningkatkan฀daya฀saing฀pengusaha฀kecil฀dan฀mikro.฀Dewan฀Komisaris฀menilai฀langkah฀Direksi฀untuk฀lebih฀ terlibat฀ pada฀ pembiayaan฀ menengah-besar฀ ini฀ adalah฀ langkah฀ yang฀ tepat฀ mengingat฀ kegiatan฀ usaha฀ yang฀ dibiayai฀tersebut฀memiliki฀prospek฀yang฀cerah.฀Salah฀satu฀contohnya฀adalah฀proyek฀Transjakarta฀yang฀telah฀ terbukti฀ sangat฀ diminati฀ warga฀ Jakarta.฀ Mengingat฀ Daerah฀ Ibukota฀ Jakarta฀ merupakan฀ sentra฀ kegiatan฀ ekonomi,฀keuangan฀dan฀pemerintahan฀Indonesia,฀Dewan฀Komisaris฀mendukung฀langkah฀Direksi฀menggarap฀ pelayanan/services฀di฀Daerah฀Khusus฀Ibukota฀Jakarta฀sebagai฀peluang฀usaha฀yang฀menjanjikan.

All฀ of฀ these฀ positive฀ trends฀ obviously฀ drew฀ a฀new฀sense฀of฀hope฀in฀the฀business฀world.฀ With฀ lower฀ bank฀ interest฀ rates฀ businesses฀ had฀greater฀chance฀to฀expand฀their฀activities฀ or฀ develop฀ new฀ business฀ opportunities,฀ reducing฀ unemployment฀ and฀ increasing฀ the฀ purchasing฀ power฀ both฀ of฀ which฀ lead฀ to฀ greater฀national฀welfare.

Bank฀ DKI฀ itself฀ posted฀ signiﬁcant฀ growth฀ in฀ 2006.฀Total฀asset฀grew฀by฀28.7%฀from฀Rp฀8.7฀ trillion฀in฀2005฀to฀Rp฀11.2฀trillion฀by฀year฀end฀ 2006.฀Total฀outstanding฀credit฀reached฀ Rp฀ 3.5฀ trillion฀ as฀ at฀ year฀ end฀ 2006,฀ an฀ increase฀of฀34.4%฀from฀Rp฀2.6฀trillion฀at฀year฀ end฀2005.฀Whereas฀third฀party฀deposit฀grew฀ by฀6.1%฀from฀Rp฀6.6฀trillion฀to฀Rp฀7.0฀trillion฀ during฀the฀same฀one฀year฀period.฀฀฀

The฀ Board฀ of฀ Commissioners฀ is฀ reasonably฀ pleased฀ at฀ the฀ development฀ of฀ Bank฀ DKI฀ throughout฀2006,฀in฀particular฀at฀the฀progress฀ that฀it฀had฀been฀able฀to฀achieve฀in฀terms฀of฀ business฀ direction,฀ strategy฀ as฀ well฀ as฀ the฀ Bank’s฀ future฀ growth฀ prospects฀ that฀ are฀ sustainable฀ in฀ the฀ medium฀ and฀ long฀ term฀ horizon.฀ We฀ are฀ also฀ of฀ the฀ opinion฀ that,฀ under฀ the฀ leadership฀ of฀ the฀ current฀ Board฀

of฀ Directors,฀ aside฀ from฀ having฀ established฀ a฀solid฀foundation฀for฀growth,฀Bank฀DKI฀has฀ taken฀ several฀ strategic฀ steps฀ to฀ potentially฀ open฀the฀widest฀door฀of฀opportunities฀in฀the฀ future.฀฀

In฀ 2006฀ Bank฀ DKI฀ participated฀ in฀ several฀ medium฀ and฀ large฀ scale฀ lending฀ without฀ forsaking฀ our฀ small฀ scale฀ lending฀ which฀ remain฀ an฀ integral฀ part฀ of฀ our฀ responsibility฀ to฀ increase฀ the฀ competitiveness฀ of฀ small฀ scale฀ and฀ micro฀ businesses.฀ The฀ Board฀ of฀ Commissioners฀ regards฀ the฀ moves฀ by฀ Bank฀ DKI฀ to฀ be฀ more฀ involved฀ in฀ medium฀ large฀ scale฀ lending฀ represents฀ a฀ strategic฀ initiative฀considering฀that฀the฀loans฀are฀being฀ disbursed฀to฀projects฀with฀promising฀future.฀ One฀ example฀ would฀ be฀ the฀ TransJakarta฀ project฀ that฀ has฀ proved฀ itself฀ worthy฀ and฀ in฀ demand฀ among฀ Jakarta’s฀ commuters.฀ Considering฀ that฀ the฀ capital฀ city฀ of฀ Jakarta฀ represents฀the฀centre฀of฀economic฀activities,฀ ﬁnance฀ and฀ government,฀ the฀ Board฀ of฀ Commissioners฀ fully฀ support฀ the฀ vision฀ of฀ the฀Board฀of฀Directors฀to฀advance฀the฀Bank’s฀ services฀in฀the฀special฀district฀of฀Jakarta฀as฀a฀ promising฀business฀opportunity.฀

(24)

฀Laporan฀T

ahunan

฀2006฀Annual฀Report

฀

Dewan฀ Komisaris฀ juga฀ menghargai฀ peran฀ Direksi฀ dalam฀ menunjukkan฀ komitmen฀ yang฀ tinggi฀ terhadap฀฀ pencapaian฀visi฀dan฀misi฀Bank฀DKI.฀Komitmen฀tersebut฀secara฀konkrit฀ditunjukkan฀dengan฀usaha฀tak฀kenal฀ lelah฀dalam฀penyusunan,฀penetapan฀dan฀sosialisasi฀budaya฀kerja฀yang฀baru.฀Komitmen,฀Teamwork,฀Profesional,฀ Pelayanan,฀Disiplin,฀Kerja฀Keras฀dan฀Integritas฀(KTPPDKI)฀telah฀ditetapkan฀sebagai฀nilai-nilai฀baru฀Bank฀DKI฀ maupun฀ prasarana฀ kerjanya.฀ Di฀ bawah฀ pengarahan฀ dan฀ pengawasan฀ Dewan฀ Komisaris,฀ Direksi฀ bersama-sama฀eksekutif฀senior฀Bank฀DKI฀lainnya฀tengah฀merumuskan฀buku฀panduan฀kebijakan฀serta฀penerapan฀tata฀ kelola฀perusahaan฀yang฀baik,฀dengan฀mengacu฀ke฀berbagai฀narasumber฀yang฀antara฀lain฀meliputi฀Kode฀Etik฀ Tata฀ Kelola฀ Perusahaan฀ Indonesia,฀ Peraturan฀ Bank฀ Indonesia฀ No.฀ 8/4/PBI/2006฀ tentang฀ Pelaksanaan฀ Tata฀ Kelola฀Perusahaan฀yang฀Baik฀bagi฀Bank฀Umum,฀dan฀rekomendasi฀Kelompok฀Kerja฀Perbankan฀dalam฀Komite฀ Nasional฀tentang฀Good฀Corporate฀Governance.฀

Dari฀ pihak฀ Dewan฀ Komisaris฀ sendiri,฀ Dewan฀ Komisaris฀ telah฀ dan฀ akan฀ terus฀ membentuk฀ komite-komite฀ di฀ bawah฀ Dewan฀ Komisaris฀ yang฀ bertugas฀ membantu฀ pelaksanaan฀ pengawasan฀ Perseroan฀ oleh฀ Dewan฀ Komisaris.฀Hingga฀tahun฀2006฀sampai฀dengan฀awal฀2007,฀Bank฀DKI฀telah฀memiliki฀Komite฀Audit฀dan฀Komite฀ Pengendali฀ Risiko฀ dan฀ Kepatuhan.฀ Komite฀ Audit฀ bertugas฀ membantu฀ Dewan฀ Komisaris฀ untuk฀ memastikan฀ bahwa฀Bank฀DKI฀memiliki฀fungsi฀audit฀internal฀maupun฀eksternal฀yang฀dapat฀diandalkan฀dan฀dijalankan฀sesuai฀ dengan฀ketentuan฀yang฀berlaku฀dan฀sesuai฀rencana฀kerja฀yang฀disepakati฀sebelumnya.฀Komite฀Pengendali฀

The฀Board฀of฀Commissioners฀also฀comment฀ the฀ roles฀ of฀ Directors฀ in฀ exemplifying฀ a฀ high฀ degree฀ of฀ commitment฀ towards฀ the฀ realization฀ of฀ Bank฀ DKI’s฀ vision฀ and฀ mission฀ statements.฀ Such฀ commitment฀ has฀ been฀ underscored฀ by฀ their฀ tireless฀ efforts฀ in฀ formulating,฀ establishing฀ and฀ socializing฀ the฀ new฀ corporate฀ culture.฀ Commitment,฀Teamwork,฀Professionalism,฀ Service฀Excellence,฀Discipline,฀Hard฀work฀ and฀Integrity฀have฀been฀designated฀as฀the฀ new฀ core฀ values฀ of฀ Bank฀ DKI฀ that฀ must฀ serve฀as฀the฀basis฀for฀every฀activities฀and฀ represent฀the฀spirit฀of฀each฀individual฀that฀is฀ reﬂected฀in฀their฀day฀to฀day฀work฀routines.฀ We฀are฀all฀aware฀that฀a฀total฀transformation฀ of฀ corporate฀ culture฀ will฀ not฀ transpired฀ instantly,฀ but฀ a฀ consistent฀ drive฀ by฀ all฀ employees฀of฀Bank฀DKI฀will฀eventually฀form฀ a฀new฀culture฀of฀itself฀that฀will฀signiﬁcantly฀ carry฀ our฀ momentum฀ forward฀ from฀ one฀ day฀to฀another.

In฀ connection฀ with฀ the฀ implementation฀ of฀ good฀ corporate฀ governance,฀ Bank฀ DKI฀ continues฀ to฀ enhance฀ the฀ policies฀ and฀ implementation฀ of฀ corporate฀

governance฀ by฀ building฀ up฀ the฀ required฀ systems฀ and฀ infrastructures.฀ Under฀ the฀ guidance฀and฀supervision฀of฀the฀Board฀of฀ Commissioners,฀ the฀ Directors฀ along฀ with฀ other฀ senior฀ executives฀ of฀ the฀ Bank฀ are฀ in฀ the฀ process฀ of฀ formulating฀ the฀ policy฀ manual฀ and฀ implementation฀ guidelines฀ for฀ good฀ corporate฀ governance,฀ based฀ on฀ several฀references฀including฀the฀Indonesian฀ Code฀ for฀ Corporate฀ Governance,฀ Bank฀ Indonesia฀ no฀ 8/4/PBI/2006฀ on฀ the฀ Implementation฀ of฀ Good฀ Corporate฀ Governance฀ for฀ a฀ Commercial฀ Bank,฀ and฀ the฀ recommendation฀ of฀ the฀ Banking฀ Taskforce฀ in฀ the฀ National฀ Committee฀ on฀ Good฀Corporate฀Governance.฀

(25)

฀Laporan฀T nama฀ Dewan฀ Komisaris฀ Bank฀ DKI฀ masa฀ bakti฀ 2006-2009฀ yang฀ telah฀ ditunjuk฀ pada฀ RUPS฀ tersebut฀ di฀ atas฀ untuk฀menyampaikan฀penghargaan฀kami฀kepada฀para฀pendahulu฀kami,฀yaitu฀Sdr.฀Koesworodjati,฀ kasih฀kami฀kepada฀segenap฀stakeholder฀Bank฀DKI฀atas฀dukungan฀dan฀kepercayaannya฀selama฀ini.฀Mari฀kita฀ manfaatkan฀momentum฀peningkatan฀perekonomian฀nasional฀ini฀dengan฀sebaik-baiknya฀demi฀kemajuan฀dan฀ kesejahteraan฀kita฀bersama.฀฀฀

the฀ Board฀ of฀ Commissioners฀ to฀ ensure฀ that฀ Bank฀ DKI฀ has฀ adequate฀ internal฀ and฀ external฀ audit฀ roles฀ which฀ are฀ reliable฀ and฀ are฀ applied฀ in฀ accordance฀ with฀ best฀ practice฀ standards฀ and฀ in฀ line฀ with฀ the฀ previously฀approved฀audit฀plans.฀The฀Risk฀ Management฀ and฀ Compliance฀ Committee฀ assists฀ the฀ Board฀ of฀ Commissioners฀ in฀ ensuring฀ that฀ Bank฀ DKI฀ possesses฀ the฀ adequate฀ systems฀ and฀ procedures฀ to฀ monitor฀and฀mitigate฀risk฀within฀reasonable฀ limits.฀฀

Further฀to฀building฀up฀the฀required฀systems฀ and฀ infrastructures฀ for฀ good฀ corporate฀ governance฀ the฀ Board฀ of฀ Commissioners฀ has฀prepared฀for฀the฀establishment฀of฀the฀ Remuneration฀and฀Nomination฀Committee฀ which฀will฀be฀effective฀as฀of฀June฀1,฀2007.฀ For฀ a฀ more฀ detailed฀ discussion฀ on฀ the฀ implementation฀ of฀ corporate฀ governance฀ within฀Bank฀DKI,฀please฀refer฀to฀the฀section฀ M.S.฀ Hutabarat฀ and฀ Syatiri฀ Said฀ for฀ their฀ contributions฀ to฀ Bank฀ DKI.฀ Effective฀ as฀ of฀ 25฀ August฀ 2006,฀ the฀ members฀ of฀ the฀ Board฀of฀Commissioners฀of฀Bank฀DKI฀are฀ Idris฀Kadir฀as฀Independent฀Commissioner,฀ Joni฀ Mulyanto฀ also฀ as฀ Independent฀ Commissioners,฀ and฀ myself,฀ Suryo฀ Danisworo,฀as฀President฀Commissioner.฀In฀ 2007,฀with฀the฀approval฀of฀Bank฀Indonesia,฀ the฀Board฀of฀Commissioners฀will฀consists฀ of฀four฀members฀with฀the฀inclusion฀another฀ Independent฀Commissioner฀in฀March.

In฀ closing,฀ with฀ the฀ grace฀ of฀ Allah฀ SWT,฀ and฀on฀behalf฀of฀Bank฀DKI฀we฀express฀our฀ appreciation฀as฀well฀to฀all฀stakeholders฀of฀ the฀Bank฀for฀their฀trust฀and฀support฀over฀the฀ years.฀Let฀us฀make฀the฀best฀of฀the฀positive฀ momentum฀of฀the฀national฀economy฀in฀the฀

(26)

฀Laporan฀T

ahunan

฀ 1 2 3

Dewan฀Komisaris

Board฀of฀Commissioners

(27)

PT฀BANK฀DKI

Suryo฀Danisworo,฀Komisaris฀Utama

Warga฀ negara฀ Indonesia,฀ lahir฀ pada฀ tahun฀ 1947.฀ Menjadi฀ Komisaris฀ Utama฀ sejak฀ 25฀ Agustus฀ 2006.฀ Meraih฀ gelar฀Gakushi/S1฀di฀Nihon฀Fukushi฀Daigaku,฀Nagoya,฀Jepang฀dan฀gelar฀Sushi/Master/S2฀di฀Ryukoku฀Daigaku,฀ pernah฀ diikuti฀ antara฀ lain฀ SESPIBI,฀ Monetary฀ Policy฀ dan฀ beberapa฀ studi฀ banding฀ ke฀ Otoritas฀ Perbankan฀ di฀ beberapa฀ negara฀ Eropa,฀ Afrika,฀ Asia,฀ Amerika,฀ Kanada,฀ Australia฀ dan฀ New฀ Zealand.฀ Pernah฀ menjabat฀ sebagai฀ Deputy฀Direktur฀Direktorat฀Pemeriksaan฀Bank฀II,฀Deputy฀Direktur฀Pengawasan฀Bank฀II฀dan฀sebagai฀Direktur฀di฀Bank฀ Menengah฀Semarang฀dan฀Pemimpin฀Divisi฀Audit,฀semua฀di฀Bank฀BNI฀dan฀pernah฀juga฀menjadi฀Presiden฀Komisaris฀ PT฀BNI฀Multiﬁnance฀dan฀Ketua฀Pengurus฀Koperasi฀Swadharma.

Suryo฀Danisworo,

President฀Commissioner

Indonesian฀ citizen,฀ born฀ in฀ 1947.฀ Serves฀ as฀ the฀ President฀ Commissioner฀ since฀ August฀ 25,฀ 2006.฀ Obtained฀ Gakushi/S1฀ at฀ Nihon฀ Fukushi฀ Daigaku,฀ Nagoya,฀ Japan฀ and฀ Sushi/ Master/S2฀ at฀ Ryukoku฀ Daigaku,฀ Kyoto,฀ Japan.฀ Participated฀ in฀ various฀ trainings:฀ The฀ Universal฀ of฀ Risk฀ Management,฀ Towards฀ to฀ Functional฀Bonds฀Market,฀Validating฀Reviewing฀ and฀ Improving฀ Competency฀ and฀ Behavioral฀ Analyst,฀ and฀ others.฀ Prior฀ to฀ the฀ President฀ Commissioner฀ of฀ Bank฀ DKI,฀ served฀ as฀ the฀ General฀ Manager/Vice฀ President฀ of฀ BNI,฀ Director฀ of฀ BNI฀ Nomura฀ Jafco฀ Inv,฀ President฀ Director฀of฀BNI฀Nomura฀Jafco฀Inv฀Ventura฀One,฀ Commissioner฀ of฀ Shinmei฀ Electric,฀ Advisor฀ of฀ the฀Board฀of฀Directors฀of฀Drassindo,฀President฀ Director฀ of฀ BNI฀ Securities,฀ and฀ Commissioner฀ of฀ BNI฀ Securities,฀ Senior฀ Partner฀ of฀ Pro฀ Intertech฀ Indonesia,฀ Senior฀ Advisor฀ of฀ Sofyan฀ Djalil฀&฀Partner฀and฀currently฀also฀performs฀as฀ the฀Chairman฀of฀JSX฀Discipline฀Committee.฀In฀ addition,฀ also฀ as฀ the฀ writer฀ of฀ various฀ articles฀ on฀ banking,฀ venture฀ capital,฀ capital฀ market฀ and฀ the฀ writer฀ of฀ “Suryo฀ Manajemen”฀ book,฀ as฀well฀as฀an฀irregular฀lecturer฀of฀the฀Extension฀ Programme฀ of฀ University฀ of฀ Indonesia฀ and฀ Management฀Institution฀of฀Faculty฀of฀Economics฀ University฀ of฀ Indonesia฀ and฀ other฀ institutions.฀ Holds฀ professional฀ standard฀ certificate฀ of฀ the฀ Investment฀ Manager฀ Representative,฀ Certified฀ Behavioral฀ Analyst฀ and฀ Risk฀ Management฀ Certification฀Body฀(BSMR).

Idris฀Kadir,

25,฀ 2006.฀ Obtained฀ Bachelor฀ in฀ Economics฀ at฀ University฀ of฀ Mataram฀ and฀ Master฀ of฀ Arts฀ at฀ University฀ of฀ Oregon฀ USA.฀ Participated฀ in฀ various฀ trainings:฀ SESPIBI,฀ Monetary฀ Policy฀ and฀ various฀ comparative฀ studies฀ to฀ Banking฀ Authorities฀ in฀ several฀ European,฀ African,฀ Asian฀ and฀ American฀ countries,฀ as฀ well฀ as฀ in฀ Canada,฀ Australia฀ and฀ New฀ Zealand.฀ Prior฀ to฀ the฀ Independent฀ Commissioner฀ of฀ Bank฀ DKI,฀ served฀as฀a฀Deputy฀Director฀of฀the฀Directorate฀of฀ Bank฀Inquisition฀II,฀Deputy฀Director฀of฀the฀Bank฀ Inquisition฀II฀and฀the฀Director฀of฀Bank฀Indonesia฀ followed฀by฀a฀proposal฀for฀the฀Pre-Retirement฀ Period,฀Head฀of฀KOPEBI,฀the฀Financial฀Director฀ of฀ PT฀ Pura฀ Binaka฀ Mandiri฀ and฀ a฀ member฀ of฀ Audit฀Committee฀of฀BRI.

Joni฀Mulyanto,

Independent฀Commissioner

(28)

฀Laporan฀T

ahunan

฀

(29)

฀Laporan฀T

ahunan฀

2006

฀Annual฀Report

฀

Dalam฀upayanya฀untuk฀mewujudkan฀

Bank฀DKI฀sebagai฀“Bank฀Terbaik฀yang฀

Membanggakan”,฀Bank฀DKI฀telah฀mematok฀

empat฀kegiatan฀perbankan฀yang฀akan฀

menjadi฀fokus฀utama฀pertumbuhan฀Bank฀DKI฀

ke฀depan,฀yaitu:

•฀Mendukung฀pembangunan฀prasarana฀฀฀

฀

฀ umum฀DKI฀Jakarta฀dan฀sekitarnya,

•฀Menggelar฀layanan฀perbankan฀฀

฀

฀ konsumer฀modern฀untuk฀sebuah฀kota฀฀฀

฀

฀ megapolis฀modern

•฀Memberi฀perhatian฀khusus฀terhadap฀฀ ฀

฀

฀ segmen฀pendidikan,฀dan

•฀Memberi฀pilihan฀layanan฀perbankan฀฀ ฀

฀

฀ syariah฀bagi฀seluruh฀lapisan฀masyarakat.฀

In฀our฀effort฀to฀transform฀Bank฀DKI฀into฀“A฀Leading฀Bank฀Worthy฀of฀Our฀Pride”,฀ we฀have฀identiﬁed฀four฀banking฀activities฀which฀will฀be฀the฀main฀focus฀of฀Bank฀ DKI’s฀growth฀going฀forward.฀These฀are:

•฀To฀support฀public฀infrastructure฀development฀in฀DKI฀Jakarta฀and฀surrounding฀฀ ฀ ฀฀฀area,

•฀To฀provide฀a฀modern฀consumer฀banking฀service฀for฀a฀modern฀megalopolis฀ •฀To฀devote฀a฀special฀attention฀to฀the฀education฀segment,฀and

•฀To฀offer฀a฀choice฀of฀sharia฀banking฀services฀to฀the฀variety฀community฀level.

Winny฀E.฀Hassan

(30)

฀Laporan฀T

ahunan

฀

Memasuki฀ tahun฀ 2007,฀ Bank฀ DKI฀ berada฀ di฀ landas฀ pacu฀ pada฀ posisi฀ siap฀ lepas฀ landas.฀ Sepanjang฀ tahun฀ 2006,฀Bank฀DKI฀memusatkan฀segenap฀pikiran฀dan฀tenaga฀untuk฀mempersiapkan฀diri฀sebaik-baiknya,฀dalam฀ menyongsong฀era฀pertumbuhan฀baru.฀Sebuah฀era฀yang฀ditandai฀oleh฀pilihan฀beragam฀produk฀dan฀jasa฀yang฀ terus฀ berkembang,฀ peran฀ teknologi฀ yang฀ semakin฀ meluas,฀ serta฀ tingkat฀ persaingan฀ global฀ -฀ namun฀ juga฀ menjanjikan฀peluang฀usaha฀yang฀tidak฀kecil฀bagi฀mereka฀yang฀tanggap,฀cepat฀dan฀inovatif.฀

Bank฀DKI฀berupaya฀memposisikan฀diri฀pada฀strata฀ini.฀Tolok฀ukur฀keberhasilan฀dalam฀era฀yang฀baru฀ini฀tidak฀ lagi฀berada฀di฀tingkat฀perbankan฀daerah฀maupun฀nasional,฀melainkan฀di฀tingkat฀bank-bank฀asing฀terkemuka฀ dunia฀yang฀semakin฀menancapkan฀kaki฀di฀bumi฀pertiwi.฀Bank-bank฀multinasional฀ini฀pada฀umumnya฀menggelar฀ jasa฀perbankannya฀ditunjang฀oleh฀teknologi฀canggih,฀pemahaman฀produk฀dan฀pasar฀yang฀mendalam,฀produk-produk฀ unggulan฀ kelas฀ dunia,฀ serta฀ visi฀ dan฀ budaya฀ kerja฀ yang฀ sangat฀ relevan฀ dan฀ dikembangkan฀ khusus฀ untuk฀ memenuhi฀ tuntutan฀ pasar฀ di฀ abad฀ ke-21.฀ Sikap฀ kerja฀ serta฀ karakter฀ pribadi฀ yang฀ cepat,฀ tanggap,฀ trampil,฀kreatif,฀penuh฀inisiatif,฀sangat฀diandalkan฀oleh฀bank-bank฀multinasional฀ini.฀Maka,฀bila฀kita฀beraspirasi฀ mengikuti฀jejak฀mereka,฀untuk฀menjadi฀bank฀yang฀tetap฀hadir฀di฀Indonesia,฀kita฀pun฀harus฀bisa฀beroperasi฀ dengan฀pola฀kerja฀dan฀setara฀dengan฀pesaing฀kita.

Untuk฀ itu,฀ Bank฀ DKI฀ telah฀ merumuskan฀ visi,฀ misi฀ dan฀ nilai-nilai฀ korporasinya฀ yang฀ baru,฀ serta฀ mensosialisasikannya฀ke฀seluruh฀jajaran฀bank฀pada฀tahun฀2006.฀Perumusannya฀itu฀sendiri฀memakan฀waktu฀ hampir฀satu฀tahun,฀serta฀melibatkan฀seluruh฀karyawan฀Bank฀DKI฀melalui฀peran฀serta฀aktif฀dalam฀survei,฀fokus฀ grup,฀pembahasan฀kelompok,฀rekomendasi฀kepada฀Direksi฀dan฀sebagainya.฀

Sebagai฀puncaknya,฀pada฀tanggal฀9฀Desember฀2006฀฀telah฀dilakukan฀acara฀ikrar฀bersama฀sekaligus฀peluncuran฀ visi฀ bersama฀ untuk฀ mewujudkan฀ Bank฀ DKI฀ “Menjadi฀ Bank฀ Terbaik฀ yang฀ Membanggakan”฀ melalui฀ nilai-nilai฀ KTPPDKI,฀yang฀digali฀dan฀dirumuskan฀bersama,฀yaitu฀Komitmen,฀Teamwork,฀Profesional,฀Pelayanan,฀Disiplin,฀ Kerja฀keras฀dan฀Integritas.฀

Entering฀ ฀ the฀ year฀ 2007,฀ Bank฀ DKI฀ is฀ strategically฀ poised฀ for฀ take฀ off.฀ Throughout฀ 2006,฀Bank฀DKI฀devoted฀much฀thoughts฀and฀ efforts฀ to฀ prepare฀ itself฀ in฀ the฀ best฀ possible฀ manner฀to฀herald฀a฀new฀era฀of฀growth.฀An฀era฀ that฀is฀marked฀by฀a฀broad฀and฀growing฀number฀ of฀choices฀of฀consumer฀products฀and฀services,฀ the฀ increasing฀ roles฀ of฀ technology,฀ as฀ well฀ as฀ global฀competition฀–฀but฀also฀one฀that฀promises฀ considerable฀business฀opportunities฀฀for฀those฀ who฀are฀responsive,฀sharp฀and฀innovative.

Bank฀DKI฀is฀positioning฀itself฀in฀such฀as฀strata.฀ Our฀ benchmark฀ for฀ success฀ in฀ this฀ new฀ era฀ no฀longer฀lies฀among฀our฀peers฀in฀the฀regional฀ development฀ bank฀ or฀ the฀ national฀ banking฀ sector.฀Instead,฀we฀have฀to฀look฀to฀the฀foreign฀ banks฀ which฀ include฀ some฀ of฀ the฀ world’s฀ leading฀names฀in฀banking,฀that฀are฀increasingly฀ entrenched฀ in฀ Indonesian฀ market.฀ These฀ multinational฀banks฀provide฀their฀services฀fully฀ supported฀ by฀ advanced฀ technology,฀ in-depth฀ product฀ and฀ market฀ knowledge,฀ premium฀ products฀of฀world-class฀quality,฀as฀well฀as฀vision฀ and฀ corporate฀ culture฀ that฀ are฀ highly฀ relevant฀ and฀ speciﬁcally฀ designed฀ to฀ meet฀ market฀ needs฀of฀the฀21st฀century.฀Furthermore,฀these฀

responsiveness,฀ creativity฀ and฀ reliability.฀ Thus,฀ if฀we฀aspire฀to฀follow฀in฀their฀footsteps,฀in฀order฀ to฀remain฀relevant฀and฀competitive฀in฀our฀own฀ market-place,฀ then฀ we฀ have฀ no฀ other฀ choice฀ but฀ to฀ increase฀ the฀ level฀ of฀ our฀ operations฀ to฀ match฀those฀of฀our฀competitors.

To฀ that฀ end,฀ Bank฀ DKI฀ has฀ formulated฀ the฀ Bank’s฀new฀vision,฀mission฀and฀core฀values,฀and฀ instilled฀them฀among฀our฀rank฀and฀ﬁle฀in฀2006.฀ The฀ formulation฀ itself฀ took฀ almost฀ a฀ year฀ to฀ complete,฀engaging฀each฀and฀every฀employee฀ of฀ Bank฀ DKI฀ through฀ several฀ involvements฀ that฀ include฀ employee฀ surveys,฀ focus฀ group฀ discussions,฀ group฀ sessions,฀ feedback฀ and฀ recommendations฀ to฀ the฀ Board฀ of฀ Directors฀ and฀others.

(31)

฀Laporan฀T bunga฀ bersih฀ yang฀ meningkat฀ dari฀ Rp฀ 459,5฀ miliar฀ menjadi฀ Rp฀ 520,3฀ miliar฀ serta฀ pendapatan฀ operasional฀ lainnya฀ yang฀ bergeser฀ dari฀ deﬁsit฀ sebesar฀ (Rp฀ 19,4฀ miliar)฀ menjadi฀ surplus฀ sebesar฀ Rp฀ 92,2฀ miliar฀ selama฀ periode฀dua฀tahun฀yang฀sama.

Selama฀tahun฀2006฀yang฀sempat฀diwarnai฀oleh฀memburuknya฀kualitas฀kredit฀perbankan฀secara฀umum,฀Bank฀ DKI฀senantiasa฀menerapkan฀azas฀kehati-hatian฀perbankan฀dalam฀menyalurkan฀kredit฀ke฀debitur฀pihak฀ketiga.฀ Kami฀ bersyukur฀ bahwa฀ hingga฀ akhir฀ tahun฀ 2006฀ tersebut,฀ Bank฀ DKI฀ mampu฀ menjaga฀ rasio฀ NPL฀ terhadap฀฀ nilai฀baki฀kredit฀yang฀beredar฀secara฀keseluruhan฀pada฀tingkat฀1,08%,฀masih฀di฀bawah฀batas฀maksimal฀yang฀ ditentukan฀oleh฀Bank฀Indonesia.฀

Dengan฀ tingkat฀ NPL฀ yang฀ relatif฀ rendah,฀ maka฀ Bank฀ DKI฀ dapat฀ memanfatkan฀ likuiditasnya฀ yang฀ lebih฀ dari฀ cukup฀untuk฀menyalurkan฀lebih฀banyak฀kredit฀yang฀mencapai฀Rp฀3,7฀triliun฀hingga฀akhir฀tahun฀2006,฀Dengan฀ jumlah฀ simpanan฀ pihak฀ ketiga฀ yang฀ mencapai฀ Rp฀ 7฀ triliun฀ pada฀ akhir฀ tahun฀ yang฀ sama,฀ maka฀ rasio฀ ฀ LDR฀ (pinjaman฀terhadap฀deposito)฀masih฀belum฀maksimal,฀yaitu฀sekitar฀50%,฀yang฀menunjukkan฀bahwa฀Bank฀DKI฀ masih฀ dapat฀ meningkatkan฀ penyaluran฀ kreditnya,฀ khususnya฀ pada฀ sektor฀ industri฀ yang฀ masih฀ menjanjikan฀ pertumbuhan฀pesat,฀sehingga฀Bank฀DKI฀dapat฀meningkatkan฀penyaluran฀kreditnya฀di฀tahun-tahun฀yang฀akan฀ datang.฀

An฀encouraging฀and฀inspiring฀development฀ was฀that฀the฀implementation฀of฀our฀KTPPDKI฀ core฀ values฀ in฀ 2006฀ coincided฀ with฀ the฀ performance฀of฀Bank฀DKI,฀which฀increased฀ significantly฀ during฀ the฀ year.฀ Most฀ of฀ our฀ financial฀targets฀for฀the฀year฀under฀review฀ had฀been฀achieved.฀For฀instance,฀our฀total฀ assets฀of฀Rp฀11.2฀trillion฀at฀year-end฀2006฀ exceeded฀our฀target฀and฀increased฀by฀29%฀ from฀Rp฀8.7฀trillion฀in฀2005.฀Net฀income฀for฀ the฀ year฀ under฀ review฀ reached฀ Rp฀ 102.9฀ billion,฀an฀increase฀of฀3.5%฀from฀Rp฀฀99.4฀ billion฀ in฀ 2005.฀ This฀ was฀ primarily฀ due฀ to฀ our฀ net฀ interest฀ income,฀ which฀ increased฀ from฀ Rp฀ 459.5฀ billion฀ to฀ Rp฀ 520.3฀ billion฀ and฀other฀operating฀income฀which฀shifted฀ from฀a฀deficit฀of฀(Rp฀19.4฀billion)฀to฀a฀surplus฀ of฀Rp฀92.2฀billion฀over฀the฀same฀two-year฀ period.

In฀2006,฀which฀was฀generally฀characterized฀ by฀ the฀ declining฀ quality฀ of฀ banking฀ loans,฀ Bank฀ DKI฀ constantly฀ adhered฀ to฀ its฀ prudential฀banking฀principles฀in฀disbursing฀ loans฀ to฀ debtors.฀ We฀ are฀ pleased฀ that฀ as฀ at฀ year-end฀ 2006,฀ Bank฀ DKI฀ was฀

able฀ to฀ maintain฀ gross฀ NPL฀ ratio฀ to฀ total฀ outstanding฀loans฀amount฀of฀1.08%,฀well฀ below฀the฀5.00%฀limit฀of฀Bank฀Indonesia.฀

(32)

฀Laporan฀T Hingga฀ akhir฀ tahun฀ 2006,฀ komposisi฀ kredit฀ yang฀ diberikan฀ oleh฀ Bank฀ DKI฀ adalah฀ kredit฀ konsumsi฀ (78,6%),฀ kredit฀modal฀kerja฀(11,4%%),฀฀kredit฀investasi฀(3,4%),฀pembiayaan฀syariah฀(2,0%)฀dan฀kredit฀lainnya฀(4,5%).฀ Alokasi฀ kredit฀ konsumsi฀ yang฀ kebanyakan฀ untuk฀ karyawan฀ akan฀ bergeser฀ dikurangi฀ secara฀ proporsional.฀ Namun฀tidak฀ditinggalkan฀karena฀justru฀merupakan฀kekuatan฀Bank฀DKI฀untuk฀ke฀depan.

Peluang฀Pendapatan

Salah฀satu฀kendala฀yang฀dihadapi฀oleh฀Bank฀DKI฀selama฀ini฀adalah฀terbatasnya฀jumlah฀nasabah฀atau฀customer฀ base฀ dalam฀ jumlah฀ yang฀ cukup฀ untuk฀ pemanfaatan฀ produk฀ dan฀ layanan฀ baru฀ untuk฀ segmen฀ perorangan฀ yang฀dapat฀menembus฀pasar฀secara฀fenomenal.฀Belum฀lama฀ini,฀Bank฀DKI฀mulai฀berhasil฀mengatasi฀kendala฀ Bank฀ DKI฀ sebagai฀ pembayar฀ gaji฀ guru฀ se฀ DKI฀ Jakarta.฀ Dengan฀ cikal฀ bakal฀ basis฀ nasabah฀ konsumer฀ yang฀ cukup฀menjanjikan฀ini,฀Bank฀DKI฀siap฀untuk฀tumbuh฀berkembang฀di฀segmen฀perbankan฀konsumer฀yang฀masih฀ sangat฀prospektif฀dalam฀jangka฀panjang.฀

Perkembangan฀kedua฀juga฀berkaitan฀dengan฀segmen฀perbankan฀konsumer฀adalah฀peluncuran฀JakCard฀Bank฀ DKI฀ sebagai฀ kartu฀ multi฀ fungsi฀ yang฀ dilengkapi฀ dengan฀smart-chip฀ yang฀ nantinya฀ digunakan฀ sebagai฀ alat฀ pembayaran฀beragam฀kebutuhan฀konsumer฀yang฀berbasis฀moda฀transportasi฀DKI฀Jakarta.฀Kehadiran฀JakCard฀ juga฀menandakan฀peran฀teknologi฀perbankan฀yang฀akan฀semakin฀diandalkan฀Bank฀DKI฀sebagai฀bagian฀dari฀ upaya฀untuk฀mulai฀menumbuhkan฀kemampuan฀bersaing฀pada฀tingkat฀strata฀yang฀lebih฀tinggi.฀฀

Furthermore,฀ Bank฀ DKI฀ will฀ seek฀ to฀ undertake฀ loan฀ diversiﬁcation,฀ avoiding฀ a฀ concentration฀on฀a฀single฀segment.฀To฀that฀ end,฀we฀will฀seek฀to฀achieve฀a฀sound฀and฀ healthy฀balance฀in฀our฀loans฀portfolio.฀As฀at฀ year-end฀2006,฀our฀loans฀composition฀was฀ consumer฀ loans฀ (78.6%),฀ working฀ capital฀ loans฀(11.4%%),฀investment฀loans฀(3.4%),฀ sharia฀ ﬁnancing฀ (2.0%)฀ and฀ other฀ loans฀ (4.5%).฀The฀allocation฀of฀consumer฀loans,฀ especially฀ those฀ allocated฀ to฀ employees,฀ will฀be฀reduced฀proportionally,฀but฀will฀not฀ be฀abandoned฀as฀they฀represent฀the฀future฀ backbone฀of฀Bank฀DKI.฀

Income฀Opportunities

One฀ of฀ the฀ obstacles฀ faced฀ by฀ Bank฀ DKI฀ thus฀ far฀ has฀ been฀ the฀ limited฀ size฀ of฀ our฀ customer฀base฀that฀is฀insufﬁcient฀to฀support฀ new฀product฀development฀in฀the฀consumer฀ banking฀ segment฀ that฀ would฀ allow฀ for฀ a฀ phenomenal฀ market฀ penetration.฀ This฀ is฀ about฀ to฀ change.฀ Bank฀ DKI฀ has฀ recently฀ taken฀ steps฀ to฀ redress฀ this.฀ There฀ have฀ been฀ two฀ encouraging฀ developments฀ towards฀ the฀ possibility฀ for฀ Bank฀ DKI฀ to฀ acquire฀ potential฀ new฀ income฀ streams฀ in฀

The฀ﬁrst฀encouraging฀development฀has฀to฀ do฀with฀the฀My฀Teacher฀My฀Friend฀program฀ that฀ was฀ launched฀ in฀ 2007,฀ following฀ our฀ initiatives฀ to฀ seize฀ the฀ opportunity฀ related฀to฀the฀income฀raise฀for฀teachers฀in฀ Jakarta฀that฀is฀the฀policy฀of฀the฀Provincial฀ Government฀ of฀ DKI฀ Jakarta,฀ which฀ was฀ rightly฀ responded฀ to฀ by฀ Bank฀ DKI฀ as฀ the฀ paying฀ bank฀ that฀ manages฀ the฀ payroll฀ of฀ teachers฀throughout฀the฀DKI฀Jakarta฀area.฀ With฀ this฀ potentially฀ promising฀ customer฀ base,฀Bank฀DKI฀will฀have฀built฀a฀solid฀base฀ to฀develop฀its฀consumer฀banking฀franchise฀ that฀holds฀great฀promise฀for฀the฀long-term฀ future.฀

(33)

฀Laporan฀T

ahunan฀

2006

฀Annual฀Report

฀

Bank฀ DKI฀ juga฀ mencatat฀ pertumbuhan฀ yang฀ menggembirakan฀ pada฀ Unit฀ Usaha฀ Syariah฀ yang฀ terus฀ menunjukkan฀tren฀peningkatan฀secara฀luar฀biasa.฀Pada฀tahun฀2006,฀Bank฀DKI฀Syariah฀menyalurkan฀pembiayaan฀ syariah฀senilai฀Rp฀82,97฀miliar,฀meningkat฀sebesar฀46,82%฀dari฀Rp฀56,51฀miliar฀pada฀tahun฀2005.฀Beberapa฀ penghargaan฀telah฀diraih฀Unit฀Usaha฀Syariah฀sebagai฀bukti฀kesungguhan฀pengelolaan฀untuk฀menjadikan฀Unit฀ Usaha฀Syariah฀Bank฀DKI฀menjadi฀berkualitas.

Dalam฀ rangka฀ menjadikan฀ Bank฀ DKI฀ lebih฀prudent,฀untuk฀ laba฀ tahun฀ 2006฀ telah฀ mengalami฀ penyesuaian-penyesuaian฀ PSAK฀ untuk฀ pemenuhan฀ kekurangan฀ pencadangan฀ dengan฀ jumlah฀ kurang฀ lebih฀ Rp฀ 50฀ miliar฀ sehingga฀kemampulabaan฀Bank฀DKI฀di฀tahun฀2006฀berkurang฀sehingga฀menjadi฀Rp฀154฀miliar. saat฀ ini฀ secara฀ serempak฀ ditunjuk฀ pada฀ Rapat฀ Umum฀ Pemegang฀ Saham฀ Luar฀ Biasa฀ tertanggal฀ 13฀ Januari฀ 2006,฀perubahan฀komposisi฀Direksi฀sempat฀kami฀laporkan฀pada฀buku฀Laporan฀Tahunan฀Perseroan฀2005฀yang฀ diterbitkan฀pada฀bulan฀Mei฀2006.฀

Atas฀ nama฀ Direksi฀ Bank฀ DKI,฀ tak฀ lupa฀ kami฀ sampaikan฀ rasa฀ terima฀ kasih฀ yang฀ sebesar-besarnya฀ kepada฀ Bank฀Indonesia,฀Departemen฀Keuangan฀RI,฀dan฀para฀pemegang฀saham฀Perseroan,฀kesetiaan฀nasabah฀dan฀ Bank฀ DKI฀ also฀ posted฀ encouraging฀

growth฀in฀our฀Sharia฀Business฀Unit,฀which฀

In฀ the฀ interest฀ of฀ managing฀ Bank฀ DKI฀ prudently,฀ we฀ made฀ adjustments฀ to฀ our฀ 2006฀ operating฀ proﬁt฀ in฀ line฀ with฀ the฀ Indonesian฀Financial฀Accounting฀Standards฀ (PSAK),฀ involving฀ the฀ addition฀ of฀ Rp฀ 50฀ billion฀ to฀ our฀ loss฀ provisioning฀ account฀ in฀ order฀ to฀ meet฀ the฀ requirements฀ of฀ said฀ PSAK.฀As฀a฀result,฀the฀proﬁtability฀of฀Bank฀ DKI฀in฀2006฀declined฀to฀Rp฀154฀billion.฀

Going฀ forward,฀ we฀ believe฀ that฀ those฀ initiatives฀ that฀ have฀ been฀ undertaken฀ by฀ Bank฀DKI฀will฀lead฀to฀potentially฀considerable฀ business฀ opportunities.฀ In฀ view฀ of฀ that,฀ in฀ the฀Budget฀and฀Strategy฀Meeting฀at฀year-end฀ 2006,฀ the฀ management฀ and฀ senior฀

managers฀of฀Bank฀DKI฀agreed฀to฀commit฀ themselves฀to฀a฀50%฀total฀assets฀growth฀ for฀the฀฀in฀2007,฀or฀by฀some฀Rp฀16฀trillion.

On฀this฀occasion,฀I฀would฀like฀to฀report฀that,฀ although฀all฀of฀the฀current฀members฀of฀the฀ Board฀ of฀ Directors฀ were฀ simultaneously฀ appointed฀ at฀ the฀ Extraordinary฀ General฀ Meeting฀ of฀ Shareholders฀ dated฀ January฀ 13,฀2006,฀we฀have฀reported฀the฀change฀in฀ the฀composition฀of฀the฀Board฀of฀Directors฀ in฀the฀Company’s฀2005฀Annual฀Report฀that฀ was฀published฀in฀May฀2006.฀

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32

Direksi

Boar

d฀of฀Dir

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ahunan฀

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฀Annual฀Report

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1.฀MUHAMAD฀IRFANDI ฀ Direktur฀Director

2.฀ILHAMSYAH฀JOENOES ฀ Direktur฀Director฀ 3.฀WINNY฀E.฀HASSAN

฀ Direktur฀Utama฀President฀Director

4.฀ARIS฀ANWARI ฀ Direktur฀Director

5.฀MAMAD฀SACHRONI

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฀Laporan฀T

ahunan

฀

Winny฀E.฀Hassan,฀Direktur฀Utama

Warga฀negara฀Indonesia,฀lahir฀pada฀tahun฀1951,฀Direktur฀Utama฀Bank฀DKI฀sejak฀13฀Januari฀2006.฀Sebagai฀seorang฀ “otodidak”฀yang฀mendalami฀teknis฀perbankan฀dari฀awal฀karir฀di฀tahun฀1974฀dengan฀posisi฀sebagai฀Resepsionis/ Service฀Assistant/Customer฀Service฀di฀Bank฀Niaga฀Tunjungan฀Surabaya.฀Pendidikan฀dan฀pengembangan฀yang฀ pernah฀ diikuti฀ antara฀ lain:฀ Advance฀ Banking฀ Management฀ Program฀ di฀ Asian฀ Institute฀ of฀ Management฀ Manila,฀ Consumer฀Banking฀di฀Citibank฀Singapura,฀Private฀Banking฀di฀Citibank฀Singapura฀dan฀Hong฀Kong,฀International฀ Trade฀ Finance฀ di฀ Bank฀ of฀ Philadelphia฀ USA,฀ Corporate฀ Venturing฀ di฀ Wharton฀ School฀ Philadelphia฀ USA,฀ Retail฀ Banking฀ Bancassurance฀ di฀ Kuala฀ Lumpur.฀ Telah฀ mengambil฀ pendidikan฀ Executive฀ Risk฀ Management฀ Program฀ (Certiﬁed฀ Risk฀ Manager฀ untuk฀ level฀ 5)฀ di฀ Amsterdam,฀ serta฀ telah฀ lulus฀ sebagai฀ Certiﬁed฀ Wealth฀ Manager฀ dari฀ University฀ of฀ Greenwich฀ United฀ Kingdom.฀ Beberapa฀ posisi฀ penting฀ di฀ Bank฀ Niaga฀ telah฀ dijalani,฀ di฀ antaranya฀ sebagai฀Pemimpin฀Cabang฀Surabaya฀Darmo,฀Pemimpin฀Cabang฀Utama฀Surabaya฀Tunjungan฀dan฀Area฀Manager฀ II฀(Indonesia฀Timur),฀dan฀sebagai฀Assistant฀to฀the฀Board฀of฀Directors฀untuk฀Product฀Development฀dan฀Corporate฀ Planning.฀ Setelah฀ itu,฀ menjabat฀ sebagai฀ General฀ Manager฀ di฀ Bank฀ Bumiputera.฀ Kemudian,฀ menjabat฀ sebagai฀ Direktur฀Pemasaran฀di฀Bank฀Jaya,฀untuk฀kemudian,฀diminta฀untuk฀kembali฀ke฀Bank฀Bumiputera฀dan฀berturut-turut฀

Indonesian citizen, born in 1951, President Director of Bank DKI since January 13, 2006. She is a self-taught person whose knowledge of banking was acquired through experience from the start of her career in 1974 as a Receptionist/Service Assistant/Customer Service of Bank Niaga, Tunjungan, Surabaya. Her training and executive education in banking and ﬁnance included the Advanced Banking Management Program at the Asian Institute of Management, Manila; Consumer Banking at Citibank Singapore; Private Banking at Citibank Singapore and Hong Kong; International Trade Finance at Bank of Philadelphia, USA; Corporate Venturing at the Wharton

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ahunan฀

2006

฀Annual฀Report

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Muhamad฀Irfandi,฀Direktur

Warga฀Negara฀Indonesia,฀lahir฀pada฀tahun฀1959,฀Direktur฀Pemasaran฀Bank฀DKI฀sejak฀13฀Januari฀2006.฀Meraih฀ gelar฀Sarjana฀Ekonomi฀dari฀Universitas฀Jayabaya.฀Pendidikan฀dan฀pengembangan฀yang฀pernah฀diikuti฀antara฀lain:฀ Kursus฀Calon฀Staf฀Angkatan฀IX,฀BDN,฀Kursus฀Auditor,฀International฀Treasury฀Management฀Seminar,฀BDN฀&฀Union฀ Bank฀ of฀ Switzerland฀ di฀ Singapura,฀ Attachment฀ (on฀ the฀ job฀ Training)฀ Union฀ Bank฀ of฀ Switzerland฀ di฀ Singapura,฀ Account฀Management฀Program฀Citibank,฀Branch฀Manager฀Course,฀Pelatihan฀Managing฀People฀II,฀Managing฀for฀ Result,฀A฀to฀Z฀Sharia฀Banking฀Training,฀dan฀Pelatihan฀Management฀Risiko.฀Memulai฀karir฀sebagai฀karyawan฀Bank฀ Dagang฀ Negara฀ bagian฀ dana,฀ Kasie฀ bagian฀ penelitian฀ kredit,฀ Kepala฀ Bagian฀ Dana,฀ Pengawasan฀ Kredit,฀ Wesel฀ BDN฀Cabang฀Mataram,฀Relationship฀Manager฀Desk฀Penyelamat฀Kredit,฀dan฀Wakil฀Kepala฀Cabang฀Bidang฀Operasi฀ BDN฀Cabang฀Padang฀BAC.฀Saat฀BDN฀merger฀menjadi฀Bank฀Mandiri,฀diserahi฀amanah฀sebagai฀Pemimpin฀Cabang฀ Padang฀Indarung,฀selanjutnya฀di฀Bank฀Syariah฀Mandiri฀menjadi฀Pemimpin฀Cabang฀Utama฀Bandung,฀kemudian฀ sebagai฀ Corporate฀ Secretariate,฀ Region฀ Manager฀ Wilayah฀ Sumatera฀ Divisi฀ Pembinaan฀ Cabang,฀ dan฀ terakhir฀ sebagai฀Wakil฀Kepala฀Divisi฀Treasury฀dan฀International.

Muhamad฀Irfandi,฀Director

Indonesian citizen, born in 1959, Marketing Director of Bank DKI since 13 January 2006. He obtained an Economics degree from Universitas Jayabaya. His training and executive education in banking included Management Trainee course of BDN; Auditorship and International Treasury Management, BDN & Union Bank of Switzerland in Singapore; on-the-job training at Union Bank of Switzerland, Singapore; Account Management Program, Citibank; Branch Manager Course, Managing People II, Managing for Results, A-to-Z Sharia Banking, and Risk Management trainings.

(38)

฀Laporan฀T 2006.฀ Mendapatkan฀ gelar฀ Sarjana฀ Ekonomi฀ di฀ Universitas฀ Prof฀ Dr฀ Mustopo฀ kemudian฀ meraih฀ jenjang฀ Magister฀ Management฀ di฀ Prasetya฀ Mulya.฀ Pendidikan฀ informal฀ yang฀ pernah฀ diikuti฀ antara฀ lain฀ Analis฀ Kredit฀ UKM฀ dan฀ Korporasi,฀Workshop฀Perkreditan,฀Manajemen฀Perkreditan฀dan฀Hukum,฀Pelatihan฀Transaksi฀Luar฀Negeri,฀Pelatihan฀

Warga฀ Negara฀ Indonesia,฀ lahir฀ pada฀ tahun฀ 1961.฀ Menjabat฀ sebagai฀ Direktur฀ Operasional฀ Bank฀ DKI฀ sejak฀฀ 13฀Januari฀2006.฀Mendapatkan฀gelar฀Bachelor฀of฀Science฀dari฀Kutztown฀University,฀Pennsylvania฀USA.฀Berkarir฀di฀

Indonesian Citizen, born in 1954, Director of Finance of Bank DKI since 13 January 2006. He earned a degree in Economics from Universitas Prof Dr Mustopo, and a Master in Management degree from Prasetya Mulya. His continuing banking trainings included Credit Analysis for SME and Cooperatives, Credit Workshop, Legal and Credit Management, Cross-border Transactions, Forex Transactions, Cash Management, Treasury and ALMA, Advanced Forex and Derivative Transaction Training in Hong Kong. He began his career at Bank DKI as an accounting staﬀ, SME credit analyst, Section Head of Fund and Credit Marketing at the Kebayoran Branch, Deputy Manager of Sub-branch Bendungan Hilir; and subsequently as Head of various sections and divisions including Export-Import Transactions and International Services, Money and Capital Markets, Treasury Fund Management Bureau, Treasury and International Banking, and as Coordinator of ALMA.

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฀Laporan฀T

ahunan฀

2006

฀Annual฀Report

฀

Aris฀Anwari,฀Director

Indonesian citizen, born in 1951, Director of Compliance of Bank DKI since 1 February 2006. He graduated from the Faculty of Economics of Universitas Gadjah Mada (UGM), Yogyakarta. A former Bank Indonesia official, his banking training included training for bank auditors, branch management trainee program, intermediate bank audit training, SESPIBI (Bank Indonesia Staff and Management School), Strategy & Management in Banking in Dublin and London, The Executive Risk Management Certification Programme in Bangkok and Quantum Strategic Leadership in Jakarta. He began

his career as assistant lecturer at his Alma Mater and guest lecturer at the banking academy of Universitas Pembangunan Nasional (UPN) in Jakarta. He served with Bank Indonesia from 18 April 1977 to 31 January 2006, and held various positions including Section Head of Bank Indonesia in Pontianak; Deputy Branch Manager of Bank Indonesia Bandar Lampung; Branch Manager of Bank Indonesia Sibolga, and subsequently of BI Samarinda and BI Padang; Deputy Director of the Directorate of Money Supply; Director of the Supervision and Audit Directorate of Bank 1, Director of the Supervision Directorate of Bank 2 and, subsequently, Audit Directorate of Bank 2.

Aris฀Anwari,฀Direktur

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38

Laporan

฀Manajemen

Managemen

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Dengan฀ﬁtur฀yang฀lengkap,฀

sumber฀daya฀manusia฀yang฀

handal฀dan฀didukung฀sistem฀

teknologi฀informasi฀yang฀prima,฀

Bank฀DKI฀siap฀menjadi฀tuan฀

rumah฀di฀negeri฀sendiri.

(42)

฀Laporan฀T rumah฀atas฀kavling฀siap฀bangun,฀renovasi฀rumah,฀dan฀pinjaman฀untuk฀reﬁnancing.

KREDIT฀MODAL฀KERJA

Kredit฀ yang฀ diberikan฀ kepada฀ golongan฀ pengusaha฀ menengah฀ dan฀ besar฀ untuk฀ membantu฀ pengadaan฀ modal฀ bagi฀usahanya.

KREDIT฀USAHA฀KECIL฀

Kredit฀yang฀diberikan฀kepada฀pengusaha฀kecil฀untuk฀meningkatkan฀kemampuan฀usaha฀kecil฀dan฀mikro.

LAYANAN฀DALAM฀NEGERI

Fasilitas฀ perbankan฀ untuk฀ transaksi฀ dalam฀ negeri฀ seperti฀ kiriman฀ uang,฀ inkaso,฀ Surat฀ Keterangan฀ Bank฀ (SKB),฀ jaminan฀ bank฀ (bank฀ garansi),฀ pembayaran฀ gaji฀ Pegawai฀ Pemerintah฀ Provinsi฀ DKI฀ Jakarta,฀ dan฀ penerimaan฀ pembayaran฀PBB,฀rekening฀PAM,฀listrik,฀telepon,฀pajak-pajak฀non฀impor฀dan฀retribusi฀daerah.

Medium฀ and฀ Long฀ Term฀ loan฀ for฀ the฀ purchase฀ of฀ capital฀ goods฀ including฀ services฀ required฀ to฀ ﬁnance฀ a฀ new฀ project,฀ rehabilitation฀ of฀ existing฀ projects,฀ modernization,฀ expansion,฀ or฀ project฀ relocation.฀

GRIYA฀MONAS฀HOUSING฀LOAN

Credit฀ facility฀ for฀ the฀ financing฀ of฀ new฀ or฀ second฀hand฀houses,฀shop฀houses,฀small฀ office/house,฀ purchase฀ of฀ land,฀ housing฀ construction,฀ home฀ renovation,฀ and฀ mortgage฀refinancing.฀

Credit฀ facility฀ for฀ small฀ enterprises฀ to฀ enhance฀their฀capabilities.

DOMESTIC฀SERVICES฀

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฀Laporan฀T

Layanan฀untuk฀kemudahan฀kegiatan฀bisnis฀di฀luar฀negeri฀misalnya฀dengan฀pembukaan฀Letter฀฀of฀Credit฀(L/C)฀,฀ pembiayaan฀kredit฀฀ekspor/impor,฀incoming฀&฀outgoing฀transfer,฀inward฀&฀outward฀collection,฀money฀changer฀&฀ traveler’s฀cheque,฀dan฀transaksi฀฀luar฀negeri฀lainnya. Sekitar฀ dua฀ tahun฀ setelah฀ mulai฀ beroperasi,฀ pada฀ tanggal฀ 25฀ September฀ 2006฀ Bank฀ DKI฀ mendapat฀ izin฀ dari฀ Direktorat฀Perbankan฀Syariah฀Bank฀Indonesia฀untuk฀mengoperasikan฀layanan฀syariah฀melalui฀implimentasi฀ofﬁce฀ channeling฀di฀10฀kantor฀cabang฀bank฀DKI.฀Tentu฀izin฀ini฀diberikan฀berdasarkan฀hasil฀pemantauan฀pihak฀berwenang฀ atas฀perkembangan฀usaha฀syariah฀Bank฀DKI฀yang฀cukup฀signiﬁkan.

Perkembangan฀pesat฀Bank฀DKI฀Syariah฀mendapatkan฀apresiasi฀dari฀majalah฀Investor฀berupa฀penghargaan฀“Unit฀ Usaha฀Syariah฀terbaik฀kategori฀aset฀di฀bawah฀Rp฀100฀milyar”฀untuk฀periode฀2005-2006.฀Penghargaan฀lain฀yang฀ didapat฀ adalah฀ Islamic฀ Banking฀ Quality฀ Award฀ 2007฀ untuk฀ kategori฀ “The฀ Best฀ Convenient฀ Ofﬁce”,฀ “The฀ Best฀ Community฀Bank”฀dan฀sebagai฀“Unit฀Usaha฀Syariah฀Terbaik฀Kedua฀untuk฀Aset฀di฀Bawah฀Rp฀100฀Miliar”฀pada฀bulan฀ Februari฀2007.

INTERNATIONAL฀SERVICES฀

Banking฀ services฀ to฀ facilitate฀ international฀ businesses฀ such฀ as฀ opening฀ of฀ Letter฀ of฀ Credit฀ (L/C),฀ trade฀ ﬁnancing,฀ incoming฀ &฀ outgoing฀ transfer,฀ inward฀ &฀ outward฀ collection,฀ money฀ changer฀ &฀ traveler’s฀ cheque,฀ and฀ other฀ international฀ transactions.฀

SHARIA฀UNIT฀

Bank฀ DKI฀ Syariah฀ is฀ the฀ Islamic฀ banking฀ unit฀of฀PT฀Bank฀DKI.฀The฀unit฀commenced฀ operations฀ in฀ March฀ 2004,฀ with฀ an฀ initial฀ capital฀of฀Rp฀2฀billion.฀Its฀asset฀has฀grown฀ to฀ Rp฀ 102.6฀ billion฀ with฀ total฀ 3rd฀ party฀ deposits฀ amounting฀ to฀ Rp฀ 32.13฀ billion฀ and฀total฀ﬁnancing฀of฀Rp฀82.97฀billion.฀The฀ unit฀ registered฀ a฀ proﬁt฀ of฀ Rp฀ 5.74฀ billion,฀ with฀working฀capital฀as฀of฀the฀end฀of฀2006฀ recorded฀at฀Rp฀13.5฀billion.฀

After฀two฀years฀of฀operations,฀on฀September฀ 25฀ 2006,฀ Bank฀ DKI฀ obtained฀ approval฀ from฀ Bank฀ Indonesia’s฀ Sharia฀ Banking฀ Directorate,฀ to฀ operate฀ sharia฀ banking฀ services฀ through฀ the฀ 10฀ conventional฀ banking฀ branches฀ of฀ Bank฀ DKI.฀ Needless฀ to฀ say,฀ the฀ approval฀ was฀ given฀ after฀ due฀ considerations฀ from฀ the฀ Regulators฀ on฀ the฀signiﬁcant฀growth฀of฀sharia฀banking฀at฀ Bank฀DKI..

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฀Laporan฀T

2.฀ Pembiayaan฀ Modal฀ Kerja฀ (PMK),฀ yaitu฀ pembiayaan฀ untuk฀ keperluan฀ pengadaan฀ barang,฀ pembelian฀ barang฀ ฀ ฀ dagangan,฀jasa฀konstruksi,฀jasa฀memproduksi฀barang฀pesanan฀yang฀digunakan฀untuk฀modal฀kerja฀dengan฀฀ ฀ ฀ skim฀Mudharabah,฀Murabahah,฀Musyarakah,฀Istishna฀dan฀Salam

3.฀ Pembiayaan฀Investasi,฀yaitu฀pembiayaan฀untuk฀pembelian฀barang,฀sewa,฀jasa฀konstruksi฀untuk฀investasi฀฀ ฀ ฀ dengan฀menggunakan฀skim฀Murabahah,฀Ijarah฀Muntahiyah฀Bittamlik฀(IMBT),฀Salam฀dan฀Istishna

Jasa-jasa฀ lain฀ yang฀ diselenggarakan฀ Bank฀ DKI฀ Syariah฀ adalah฀ kiriman฀ uang,฀ inkaso,฀ surat฀ keterangan฀ bank,฀ jaminan฀bank฀dan฀jasa฀lainnya.

The฀ encouraging฀ growth฀ of฀ Bank฀ DKI’s฀ sharia฀ unit฀ in฀ 2006฀ is฀ hopefully฀ carried฀ forward฀ and฀ will฀continually฀to฀increase฀in฀2007฀and฀beyond.฀ In฀ early฀ 2007฀ Bank฀ DKI฀ Syariah฀ will฀ improve฀ its฀ status฀ from฀ a฀ sharia฀ branch฀ to฀ a฀ foreign-exchange฀sharia฀branch.฀The฀quality฀of฀products฀ and฀ services฀ will฀ continually฀ be฀ improved฀ to฀ obtain฀customers’฀satisfaction.฀

2.฀ Mudharabah฀savings,฀consist฀of฀฀ ฀ SIMPEDA฀Syariah฀savings฀and฀the฀Haj฀฀ ฀ &฀Umroh฀savings

3.฀ Mudharabah฀Mutlaqah฀deposit,฀which฀฀ ฀ is฀a฀deposit฀with฀proﬁt฀sharing฀feature฀฀ ฀ based฀on฀the฀returns฀derived฀from฀฀ ฀ investment฀determined฀by฀the฀Bank.฀ 4.฀ Mudharabah฀Muqayyadah฀deposit,฀฀฀ ฀ which฀is฀a฀deposit฀with฀proﬁt฀sharing฀฀ ฀ feature฀based฀on฀the฀returns฀derived฀฀ ฀ from฀investment฀selected฀by฀customer.฀

Financing฀Products:

1.฀ Consumer฀ﬁnancing,฀provided฀to฀฀ ฀ ฀ government฀employees฀and฀private฀฀ ฀ ฀ sector฀employees฀which฀is฀in฀cooperation฀with฀฀ ฀ Bank฀DKI฀Syariah.฀

2.฀ Working฀Capital฀Financing,฀ﬁnancing฀฀ ฀ ฀ for฀the฀purpose฀of฀procurement฀฀ ฀ ฀ of฀goods,฀purchase฀of฀inventory,฀฀ ฀ ฀ construction,฀job-order฀production,฀฀ ฀ ฀ and฀working฀capital฀requirement฀฀ ฀ ฀ under฀the฀scheme฀of฀Mudharabah,฀฀ ฀ ฀ Murabahah,฀Musyarakah,฀Istishna฀and฀฀ ฀

฀ Salam

฀ Ijarah฀Muntahiyah฀Bittamlik฀(IMBT),฀฀ ฀ ฀ Salam฀and฀Istishna