Laporan Tahunan 2012

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Overview of BPD Kaltim

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Highlights Of Financial Performance

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Primary Performance 2012

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Dividend Distribution

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Highlights Of Capital Development

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Vision, Mision and 7 Core Value (DAHSYAT)

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Important Events In 2012

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Report Of The Board Of Supervisors

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Report Of The Board Of Directors

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Review Of Global, National And Regional Economic Conditions

A_{QDOLVD'DQ3HPEDKDVDQ.LQHUMD8WDPD} An Analysis And Discussion Of Main Performance Indicators

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Bpd Kaltim Credit Funnelling Condition

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UMKM Financing and Consumption

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Corporate Financing

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Productive Activities Management

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Good Corporate Governance

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General Overview

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Bank Soundness Level

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Good Corporate Governance

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Risk Management

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Remuneration For Boards Of Supervisors

K_{RPLWH.RPLWH'LEDZDK'HZDQ3HQJDZDV} Committees Under The Supervisory Board

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Remuneration For The Board Of Directors

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Self Assecement

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Operational And Functional Overview

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Bpd Kaltim Syariah Business Unit

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Director Statements And Consolidated Financial Statements

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PREAMBULE

INTRODUCTION

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district in 2012 indicates a strong evidence of our ambition to bridge the geographical gap in East Kalimantan. The opening

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neighboring Malaysia in September 2011 shows a clear evidence on the importance of this mission to be continually promoted in the coming years.

Within a year, as the second KPC established in the border between East Kalimantan and the neighboring country, KCP

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high level of economy of Krayan people as seen from a fairly great amount of the third-party fund entrusted to BPD Kaltim. Based on this fact we realize there are a lot of economic

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institutions across East Kalimantan. Hence, the expansion of the network should be a priority in the business development in the future.

However, we are aware of the fact that the wider the network, the greater our responsibility to continue to increase the quality and quantity of human resources. In 2012 we are supported 58.9% by our young employees, ranging from the age of 21 to 30 from various educational backgrounds. This strength serves as an energizing source for BPD Kaltim to become a Bank Regional Champion in 2014.

We do appreciate the shareholders, customers and employees of BPD Kaltim, who have synergized to enhance the economic performance of BPD Kaltim in 2012. Finally BPD Kaltim

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existence , amounting to Rp 891 billion, which is in line with the increased third party funds and fund channeling to sustain

However, the hard work does not end yet. We have to continue to grow, to provide intermediation for the community and to strengthen the regional economy. Our principle to always provide the best services to all customers, stakeholders and society is our key to run the business. The year of 2012 serves as a stepping stone for BPD Kaltim to reach the target as Bank Regional Champion in 2014. Therefore, we have tried to develop all operational and business aspects in order to reach this target.

BPD Kaltim uses the characteristics of pro-growth, pro-poor, pro-job as a commitment to running our business in 2012. We can carry out the implementation as an agent of development covering those three characteristics; one of them is by intensively expanding the network since we realize that East Kalimantan which is geographically large is a major challenge to achieve the target as a Regional Champion Bank.

Therefore BPD Kaltim is trying to be opened in every district throughout East Kalimantan as stipulated in the business plan of 2012. In the coming years we will continue to realize the targets which begin to be implemented gradually.

Besides, we are sure that with the wide range of the network, it will also increase the public trust of East Kalimantan people as indicated from the increased third party funds and credit channeling and also from some other key performance indicators in 2012.

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many achievements recorded only in the vision. Therefore the hard working spirit must continuously burn within us to develop BPD Kaltim better in order to make BPD Kaltim the most trusted bank for East Kalimantan people and prepare it as a Regional Champion in 2014.

As one of the resources of the regional economy, BPD Kaltim continually strives to do the best for our customers, shareholders, employees and East Kalimantan people. We believe that there is no gain without any synergized efforts and hard work from all elements of BPD Kaltim, especially in order to support our vision to become a Bank Regional Champion in 2014. Achieving this mission surely requires a struggle. We start our steps with a commitment to achieve the best results this year.

The year 2012 passed with a lot of positive achievements that we should continue to improve to realize that vision.

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of the key performances which experienced a positive trend in 2012; among others are the increased third party funds,

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indicators. Then it supports the total of our assets amounting 31 trillion at the end of 2012.

Furthermore, BPD Kaltim launched the opening of a sub-branch

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year. It shows an implementation of BPD Kaltim role as an agent of development, especially for the people residing in the areas far from the government and industry centers.

In this Annual Report, we are presenting all relevant aspects

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(President Director BPD Kaltim)

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borders of East Kalimantan, we do not have much time for that. Remember that the philosophy of this

bank establishment is to provide welfare for the entire people in East Kalimantan no matter where they

live”

“We Exist in Any Economic Activity of East Kalimantan People”

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The discussion theme for BPD Kaltim Annual Report of 2012 is “We exist in any economic activity of East Kalimantan People”. This is not only a jargon, but management’s commitment towards the realization of Vision and Mission of BPD Kaltim. Our commitment is strengthened by network expansion. “BPD Kaltim must exist in every district in East Kalimantan” as said by Governor of East Kalimantan, H. Awang Ishak Faroek, some time ago. It is one of the program’s missions underlying the commitments.

For the sake of East Kalimantan people, BPD Kaltim exists

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build the society economy equally and bridge the gap between the business center districts and agriculture-plantation center districts in East Kalimantan. BPD Kaltim realizes that POWER is growing slowly in togetherness, starting with courage to take any risks. With the long-term market analysis, BPD Kaltim will be stronger and sturdier in the midst of the people who need it.

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PROFIL KEUANGAN

FINANCIAL PROFILE

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Overview of BPD Kaltim

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Regional Development Bank of East Kalimantan (Bank Pembangunan Daerah Kalimantan Timur) or BPD Kaltim or Bankaltim as it is commonly called was established to help and promote the economic growth and regional development in all sectors as one source of locally-generated revenues to improve the living standard of the people.

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BPD Kaltim is a Regional Government-owned Enterprise (BUMD, Badan Usaha Milik Daerah) with the legal status as a Regional Enterprise owned by the provincial Government of East Kalimantan along with District-Municipal Governments across East Kalimantan. In addition as the General Bank, BPD Kaltim also serves as an organ required in regional autonomy with the following duties:

1) To provide direction and support to the regional development;

2) To serve as a Local Treasurer and/or to maintain the

region's fund; and

3) To become the source of locally-generated revenues.

The establishment of BPD Kaltim was initiated by A. Moeis Hasan as the Governor of East Kalimantan Province based on the Regional Regulation of East Kalimantan Province No. 03/PD/64 dated 19 September 1964 and it obtained the approval from the Minister of Home Affairs with the Decree No. 9/10/8-45 dated 1 April 1965.

Following the business permit issued by the Minister of Central Bank Affairs/Bank Indonesia No. Kep.95/PBS/65 dated 21 September 1965, BPD Kaltim started to operate on 14 October 1965.

The Local Regulation No. 03/PD/64 dated 19 September 1964 has experienced some amendments. The last amendment was arranged in the Local Regulation of East Kalimantan Province No. 02/2002 dated 11 February 2002 on Bank Pembangunan Daerah Kalimantan Timur and was last amended with the Local Regulation of East Kalimantan Province No. 02/2010 dated 24 May 2010 on the Second Amendment over the local Change of East Kalimantan Province No. 02/2002 on Bank Pembangunan Daerah Kalimantan Timur.

Dana Pihak Ketiga | Third Party Funds

13,229,391 10,534,916 11,608,253 19,254,035 26,165,319

Pinjaman Diterima | Borrowing 36,649 34,085 38,465 40,196 37.473

Ekuitas | Equity 1,221,087 1,874,122 2,434,778 2,950.865 3.509.982

LABA/RUGI | STATEMENT OF INCOME ((In billion Rupiah)

Pendapatan Bunga Interest Income

1,273,623 1,478,401 1,708,945 1,808,794 2,162,972

Biaya Bunga | Interest Expenses 512,966 566,097 512,966 653,327 838,989

Pendapatan Bunga Bersih Net Interest Income

814,130 912,304 1,195,978 1,155,467 1,323,983

Beban Operasional Bersih Net Operating Expenses

271,619 332,414 358,670 661,483 742,814

Laba Operasi Operating Income

588,041 547,891 801,148 639,434 735,459

Laba (Rugi) Sebelum Pajak Income before tax

591,853 556,227 797,987 643,770 748,188

Laba (Rugi) Setelah Pajak Net Income

412,555 396,022 576,505 459,163 573,675

RASIO KEUANGAN (%) |FINANCIAL RATIOS (%)

Kredit yang Diberikan terhadap

Dana Pihak Ketiga (LDR) |Loan

to Deposit Ratio

33,68% 69,11% 81,69% 59.95 56,78%

Rasio Kecukupan Modal (CAR) dengan Risiko Kredit, Pasar dan Operasional

Capital Adequacy Ratio with Credit, Market and Operational Risk

25.13% 19,11% 18,58% 18.48 22,815

Net Interest Margin(NIM)

Net Interest Margin

6,86% 6,37% 8.76% 8.18 6,23%

Beban Operasi terhadap Pendapatan Operasi (BOPO) Operating Expenses to Operating Income

55,34% 63,69% 55,29% 63.86% 73,90%

Laba sebelum Pajak terhadap Total Aktiva (ROA)

Return On Assets

4,64% 3,81% 5.23% 3.70 2,99%

Laba setelah Pajak terhadap Modal Sendiri (ROE) Return On Equity

46,85% 25,52% 29.11% 20.62 24,62%

Ratio Kredit Bermasalah (NPL)

Gross | Non Performing Loan (Gross)

1,61% 1,37% 3,30% 2,90% 3,34%

KINERJA NON KEUANGAN | NON FINANCIAL PERFORMANCE

Jumlah Karyawan Number of Employee

827 1010 1142 1177 1472

Jumlah Jaringan Kantor Number Branch Offices

47 81 100 2 03 160

-XPODK-DULQJDQ$70_Number of ATM Network

44

Kualifikasi Opini Auditor Auditor Opinion Quallification

Wajar Tanpa Pengecualian (Unqualified Opinion)

Wajar Tanpa Pengecualian (Unqualified Opinion)

Wajar Tanpa Pengecualian (Unqualified Opinion)

Wajar Tanpa Pengecualian (Unqualified Opinion)

Wajar Tanpa Pengecualian (Unqualified Opinion)

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Highlights Of Financial Performance

NERACA (Dalam Miliar Rupiah)

BALANCE SHEET (In billion Rupiah)

KINERJA KEUANGAN

FINANCIAL PERFORMANCE

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Total Asset

Total DPK

Total Employee Pension Funds

Ekuitas |

Equity

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Penyaluran Kredit

Credit Channeling

Aktiva Produktif

Earning Asset

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Dividend Distribution

%HUGDVDUNDQ NRQVROLGDVL ODSRUDQ NHXDQJDQ \DQJ WHODK

GLDXGLWODEDEHUVLKVHEHOXPSDMDN%3'.DOWLPDGDODK VHEHVDU5S0LOOLDU6HWHODKSHPED\DUDQSDMDN33K SDVDOGDQSHPED\DUDQ+DN0LQRUWLWDVODEDEHUVLK\DQJ GLWHULPD ROHK %3' .DOWLP DGDODK VHEHVDU 5S 0LO\DU

$WDVSHUROHKDQODEDEHUVLKWHUVHEXWVHVXDLGHQJDQDQJJDUDQ GDVDU%3'.DOWLP\DQJWHUWXDQJGDODP3HUDWXUDQ'DHUDK 3HUGD 1R WDKXQ WHQWDQJ %DQN 3HPEDQJXQDQ 'DHUDK .DOLPDQWDQ7LPXU PDND NRQWLUEXVL %3' .DOWLP NHSDGD GDHUDK VHEDJDL 3HQGDSDWDQ $VOL 'DHUDK 3$' \DQJ GLED\DUDNDQ GDODP EHQWXN 'DQD 3HPEDQJXQDQ 'DHUDKNKXVXVQ\DXQWXN3HPHULQWDK3URYLQVL.DOLPDQWDQ 7LPXU GDQ 'LYLGHQ NHSDGD VHOXUXK 3HPHULQWDK 3URYLQVL .DOLPDQWDQ7LPXUGDQVHOXUXK3HPHULQWDK.DEXSDWHQGDQ .RWD VHODNX SHPHJDQJ VDKDP 8178.7$+81 %8.8 DGDODKVHEDJDLEHULNXW

%DVHGRQWKHFRQVROLGDWLRQRIDXGLWHGÀQDQFLDOVWDWHPHQWVQHW SURÀWEHIRUHWD[LQ%3'.DOWLPLV5S%LOOLRQ After payment of taxes and the payment of income tax Article 25 and Minortitas Rights, net income received by BPD Kaltim is Rp. 554.339 billion.

%DVHG RQ WKH QHW SURÀW LQ DFFRUGDQFH ZLWK %3' .DOWLP statutes contained in Regulation (Regulation) No. 02 of 2002 on the East Kalimantan Regional Development Bank, the BPD Kaltim’s contributions to the area as local revenue (PAD) paid LQWKHIRUPRI5HJLRQDO'HYHORSPHQW)XQGVSHFLÀFDOO\IRUWKH East Kalimantan provincial government and dividends to all Government of East Kalimantan and the entire districts and city as shareholders FOR FISCAL YEAR 2012 are as follows:

1. Daana Pemmbangunnan Daeerah | LLocal deevelopmment funnd Rp. 101,883,918,034.76 2. Divviden* |Dividenn* Rp. 305,651,754,105.29

3. Peemberiann Jasa GGiro Rekeening | Giro aaccountt fee Rp. 181,503,990,172.30

4. Peemberiann Bunga Deposito | Deeposit innterest Rp. 471,475,795,059.18

Jumlah | Total Rp. 1,060,515,457,371.53

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Dividend for Fiscal Year 2012 is conducted in proportion to age and duration of 2012 capital injection by each shareholder. The details of the Paid-up Capital and Capital Funds until December 31, 2012 are as follows:

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*Including the distribution of dividends and 2011 Regional Development Fund in 2011 that has not been paid.

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JUMLAH | TOTAL

No.

Num.

Pemegang Saham

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In terms of government regulations, during 47 years of its existence BPD Kaltim has experienced several changes in regulations concerning the legal basis for the implementation of commercial banks. The changes are illustrated systematically in the picture below. Despite the changes of the legal basis, in general BPD Kaltim still functions as a complimentary tool in regional autonomy. BPD Kaltim also functions to direct and support the pace of regional development, a place to keep the region’s funds or the treasury of the Provincial and District/ City Governments and also as a source of locally-generated revenues.

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Highlights Of Capital

Development

3(5'$1R0RGDOGDVDU5SMXWDPERDA No.2 Authorized capital: Rp 3.000.000 billion

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PERDA No.2 Authorized capital: Rp 1.000.000 billion

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PERDA No.2 Authorized capital: Rp 250.000 billion

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PERDA No.3 Authorized capital: Rp 50.000 billion

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PERDA No.9 Authorized capital: Rp 25.000 billion

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PERDA No.4 Authorized capital:Rp 25.000 billion

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PERDA No.3 Authorized capital: Rp 10.000 billion

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PERDA No.6 Authorized capital: Rp 1.750 billion

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PERDA No.4 Authorized capital: Rp 500 billion

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PERDA No. 02 Authorized capital: Rp 100 billion

1. Kalimantan Timur

East Kalimantan

203,915 528,915 578,915 983,915 1,161,715 51.61%

2. Kutai Kartanegara

Kutai Kartanegara

10. Penajam Paser Utara

North Penajam Paser

30,600 30,600 40,600 40,600 40,600 1.80%

11. Kutai Barat

West Kutai

25,895 25,895 31,080 35,830 40,830 1.81%

12. Samarinda

Samarinda

31,825 31,825 31,825 31,825 31,825 1.41%

13. Tana Tidung

Tana Tidung

0 10,000 30,100 30,100 60,100 2.67%

14. Nunukan

Nunukan

20,375 20,375 20,375 20,375 23,375 1.04%

15. Kutai Timur

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BPD Kaltim exists as a bank from people and for the people of East Kalimantan. The whole elements of society in East Kalimantan wholeheartedly work together to build economic VXVWDLQDELOLW\LQ(DVW.DOLPDQWDQDVUHÁHFWHGLQWKHFRPSRVLWLRQ of capital depositors of BPD Kaltim in 2012.

The entire government district / city and provincial government become the motors of capital funding for BPD Kaltim with the following progress :

Pemprov./Pemkot./Pemkab. Se Kaltim

Provincial Govt./City Govt./District

Govt. of East Kalimantan 2008 2009 2010 2011 2012

%

Perkembangan Modal Disetor

Paid up Capital Development

JUMLAH | Total

Nominal Kenaikan

Increased Nominal

% Kenaikan | % Increased

789,520 1,222,805 1,398,695 1,818,320 2,251,145 101%

213,825 433,285 175,890 419,625 432,825

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The development of the share capital of BPD Kaltim grows VLJQLÀFDQWO\ IURP \HDU WR \HDU ,Q WKH FDSLWDO RI %3' Kaltim increased by 19.65% compared to that of the previous year. The government of East Kalimantan province is the largest capital depositor with the percentage of 45.98%, followed by district/city government and Kutai Kartanegara becomes the area with the highest capital payment with the percentage RI 7KLV ÀJXUH LOOXVWUDWHV WKH HFRQRPLF VWUHQJWK RI (DVW.DOLPDQWDQZKLFKLVÀQDQFLDOO\LQGHSHQGHQWDQGLWDOVR encourages BPD Kaltim to improve its work performance in order to achieve common welfare.

Perkembangan Modal Disetor

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Vision

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Corporate Image

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To provide banking products and services in a dynamic and sustainable manner.

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THE PRIDE OF KALTIM.

VISION, MISION & 7 CORE VALUE (DAHSYAT)

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7 Core Value

A

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(sense of change) Responding to business development (sense of change).

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Care for surrounding development (CSR).

Y

_{<HV_Yes}

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GDQPHPDVDUNDQSURGXN (marketing sense)

Innovative, creative, proactive in developing and selling the products (marketing sense).

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_{6PDUW_Smart}

%HUÀNLUEHUWLQGDNGDQ EHNHUMDFHUGDVVHFDUD SURIHVLRQDO(bankers minded)

Thinking, acting and working smartly and professionally (bankers minded).

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_{+DUPRQLV_Harmonious}

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employees (team work).

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Honest, responsible, quick,

correct and accurate (integrity).

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Honest, responsible, quick, correct and accurate (Integrity).

6DGDUGDODPPHQMDJDFLWUD%DQN(brand awareness)

Aware of maintaining the bank’s image (brand awareness).

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(team work).

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(bankers minded).

Think, act and work smartly in a professional manner (bankers minded).

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Innovative, creative, proactive in developing and promoting products (marketing sense).

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Respond to the business development (sense of change).

3HGXOLGDODPSHQJHPEDQJDQOLQJNXQJDQ(CSR). Care for environmental development (CSR).

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Milestones

Milestones

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Pioneered by A. Moies Hasan as the governor of East Kalimantan province, based on the regional regulation of East Kalimantan No. 03/PD/64 dated Sept 19, 1964, approved by Minister of Home Affairs, Republic of Indonesia with the decree No. 9/10/8-45 dated April 1, 1965. After the issuance of the business permit from the Minister of Central Bank/Indonesian Bank No. Kep 95/PBS/65 dated September 21, 1965, BPD Kaltim started to run its business on Oct 14, 1965.

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The regional regulation No.03/ PD/64 has been amended several times and lastly by the regional regulation of East Kalimantan No. 02 of 2002 dated February 11, 2002 and then amended again by Regional Regulation No 2 of 2006 dated 26 April 2006.

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1965-1990

/RJR%3'.DOWLP BPD Kaltim Logo

1991-2008

0HPSHUEDUXLVLVWHP RSHUDVLRQDOEHUEDVLV Online Banking System.

Improving an online banking system-based operational system.

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Expanding its business by opening Syariah Business Unit since December 27, 2006 based on the Principle License from Indonesian Bank No. 8/5/DS/Smr dated November27, 2006 and Operational License No. 8/7/DS/Smr dated December 22, 2006.

BPD Kaltim became one of the biggest banks in Indonesia with the asset of more than Rp. 10 trillion.

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7KHKLJKHVWSURÀWDFKLHYHPHQW within 47 years since BPD Kaltim was established.

This year BPD Kaltim was also preparing to change its status to be a Limited Liability Company by considering the extension in the north of East Kalimantan by establishing a North Kalimantan province as stipulated by the president in November 2012. 3HPEXNDDQ.DQWRU&DEDQJ

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Opening Kranyan sub-branch RIÀFHDVWKHUHDOL]DWLRQRIWKH vision to develop the network throughout East Kalimantan including the border areas after Sebatik Sub-branch 2IÀFHZDVRSHQHGLQ 2NWREHUEHUVDPDDQGHQJDQ

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On 14 October 2008 at its 43rd DQQLYHUVDU\%3'.DOWLPRIÀFLDOO\ODXQFKHG its new logo, which is a type-based logo which combines letters “BPD” and a text “bankaltim “.

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Blue color suggest safety which leads to trust.

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An illusion forming a grail wich illustrates a safe “ medium” in banking business.

Typeface Humanis 521 BT PHQFLWUDNDQNHUDPDKDQGDODP DWPRVÀUPRGHUQLWDV

Typeface Humanis 521 Bt which gives an image of friendliness in modernity.

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A logotype combining letters “ BPD” wich represent that Bank Kaltim is Regional Development Bank of East Kalimantan.

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Golden yellow symbolizes rich natural resources in East Kalimantan Provinces.

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%DQN.HEDQJJDDQ.DOWLP_The Pride of Kaltim

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Important Events In 2012

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January11, 2012

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Pledge and inauguration of BPD Kaltim

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The mutation included the Head of Division , Andi Hadiwiaya, branch manager of Tenggarong, Viky Pujo Rahmanto, branch manager

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Pjs. branch manager of Nunukan, Diky Zulkarnain, branch manager of

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11, 2012, based on the Letter of Director No 001/SK/BPD-PST/I/2012 dated January 2, 2012 concerning the Mutation of Employees in BPD Kaltim.

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January 25, 2012

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Moeis Samarinda Seberang.

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The opening of cast point in RS IA Moeis Jalan HM Riffadin Samarinda Seberang was conducted at the same time with the 5th anniversary ceremony of RSUD (Regional Public Hospital) I.A Moeis owned by city government of Samarinda which fell on January 24, 2012. The inauguration was marked by cutting the ribbon and signing a plague by the 3rd assistant of City Government of Samarinda, Ridwan Tassa, representing the major of Samarinda Syahrie Ja’ang, accompanied by the Sales and Marketing Director of BPD Kaltim, H Amiruddin Shahak,

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BPD Kaltim. The cast point is the 4th cast point under the operation

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January 11, 2012

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Inauguration of

the Head and Members of Boards of Supervisors -

BPD Kaltim in the period of 2012-2015.

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Inauguration of the Head of the Boards of Supervisors, BPD Kaltim, Drs.H.Sulaiman Gafur and Member of Board of Supervisors, BPD Kaltim, Supeno Imam, SH, was held on February 8, 2013 at the Hall Lamin Etam Samarinda. Inauguration was carried out directly by the Governor of East Kalimantan, Drs.H.Awang Faroek Isaac and witnessed by Vice-governor of East Kalimantan, H.Farid Wadjdy, Provincial Secretary Irianto Lambrie , Head of Houses of Representatives of East Kalimantan

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government of East Kalimantan and BPD Kaltim.

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April 12, 2012

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May 14, 2012

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Opening of

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KCP Long Loreh is located in Jalan Agatis RT VIII, Long Loreh Village,

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opened.

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May 3, 2012

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Inauguration KCP

Kembang Janggut , KCP Sebulu and REA Kaltim

Cash Point of.

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As a kind of commitment to improve its services especially for the people in Kutai Kartanegeara regency, BPD opened 2 units of Sub-branch

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Janggut and KCP Sebulu on Jl. Mulawarman RT 01 Sumber Sari village, and 1 unit of Cast Point near the plantation owned by PT REA Kaltim

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May 27, 2012

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BPD

Kaltim Launched Kaltim Shopping Tourism.

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The launching event took place in the area of GOR Madya Sempaja Samarinda. The launching ceremony was attended by Vice Mayor of Samarinda, Nusyirwan Ismail, Former Mayor of Samarinda, Ahmad Amin, Head of Bank Indonesia in Samarinda, Androecia Dervish, and Persisam team and all management of BPD Kaltim. At this event, sponsorship was also handed in to the Football Team of Persisam Putra Samarinda.

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June 1, 2012

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First Private Banking of BPD Kaltim

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June 11, 2012

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Inauguration of the Member of the Boards of

Supervisors and the General Director of BPD Kaltim.

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Dr. Sugeng Hariyadi, MBA, a Member of the Board of Supervisors of BPD Kaltim in the period of 2012-2015 and H. Apriansyah, a General Director of BPD Kaltim in the period of 2012-2016 took the oath of

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The swearing-in inauguration was held in Ruhui Rahayu Hall, Governor

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June 4, 2012

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BPD Kaltim and City Government

of Samarinda signed MoU on Regional Tax Payment

and Regional Retribution.

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Mayor of Samarinda, Syaharie Ja’ang together with General Director of BPD Kaltim Apriansyah signed the agreement in Gedung BPD Kaltim at Jl. Jend . Sudirman 33, Samarinda. Effective as of June 1, 2012, the payment of Land and Building Tax (PBB), city and village is conducted

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Kalimantan. Mayor of Samarinda believes that this partnership will

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June 18, 2012

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Pasar Adji Sanggam Dilayas, Berau.

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Opening of KCP of BPD Kaltim was conducted in a festive ceremony attended by the President Director of BPD Kaltim,Zainuddin Fanani, well as some regional business people such as Harbiansyah and several other invited guests. The Regent of Berau, Makmur HAPK, along with the vice-regent of Berau Ahmad Rifai had the honor of cutting the ribbon to mark the operation of KCP in Sanggam Market, Adji Dilayas, after BPD Kaltim also have 3 other KCPs in Berau district respectively located in Tanjung Batu, Talisayan and Gulf Bayur.

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July 6, 2012

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Inauguration 3 Cash Points of BPD Kaltim, Bontang

Branch.

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To provide better banking services to the community particularly in Bontang, BPD Kaltim Bontang Branch added 3 units of Cash Point, inaugurated at the same time. These Cash Points are cash points at Jalan Rawa Indah Ir.H.Juanda Blok Z No 2 Rawa Indah , Cash Point at Jl Slamet Riyadi RT.40 Lok Tuan, and Cash Point Bontang Lestari

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October 16, 2012

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To provide better banking services to the community particularly in Bontang, BPD Kaltim Bontang Branch added 3 units of Cash Point, inaugurated at the same time. These Cash Points are cash points at Jalan Rawa Indah Ir.H.Juanda Blok Z No 2 Rawa Indah , Cash Point at Jl Slamet Riyadi RT.40 Lok Tuan, and Cash Point Bontang Lestari

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Lestari. These three Cash Points were inaugurated by Mayor Bontang Ir.H.Adi Darma, M.Si and witnessed by General Director of BPD Kaltim Apriansyah and also the guests from the city government of Bontang, private parties, customers and partners of BPD Kaltim Bontang Branch.

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October 21, 2012

Launching

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Launching of Mobile Services and Bank Kaltim DNA.

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The launching was held at the peak celebration of the 47th anniversary of BPD Kaltim in Komplek Stadion Madya Sempaja, attended by Vice-Governor of East Kalimantan Wadjdy Farid, accompanied by the Head of Board of Supervisors of BPD Kaltim H.Sulaiman Gafur, President Director of BPD Kaltim Fanani Zainuddin, Marketing Director of BPD Kaltim Amiruddin Shahak and General Director of BPD Kaltim Apriansyah.

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July 13, 2012

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BPD Kaltim received INFOBANK

Award Platinum Trophy 2012.

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October 21, 2012

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Board of Supervisors - BPD Kaltim, H. Imam Supeno Sastrokusumo, died at the age of 58 at Pantai Indah Kapok Hospital, Jakarta at 07.30 WIB. Board of Supervisors, Directors and all employees of East Kalimantan Regional Development Bank expressed a deep condolence. May his good deeds be accepted by the almighty God and his thoughts and knowledge

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November 5, 2012

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June 4, 2012

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Effendi, S.E, witnessed by partners and customers of KCS Balikpapan. The event marked the moving of BPD Kaltim, Balikpapan Shariah Branch from Gunung Sari, at Jl. Jend Ahmad Yani No.8A to Jl. Ruhui Rahayu No 15-16, Gunung Bahagia, South Balikpapan. Besides, it also marked the opening of two new KCP Syariah namely KCPS Gunung Sari and Batu Ampar. It was also attended by the Head of Representative

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Director of BPD Kaltim Fanani Zainuddin, Head of Board of Supervisors of BPD Kaltim Gafur Sulaiman, Marketing Director of BPD Kaltim Amiruddin Sahahak, H. Sharia, Member of Board of Syariah Supervisors Murshid, Head of UUS Syahril Achli, Head of Human Resources Development Division Andi Hadiwijaya HR, Head of Corporate Credit

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September 17, 2012

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