Indonesia Stock Exchange€¦ · Tahun 2018 merupakan awal dari tahap kedua program transformasi...
Transcript of Indonesia Stock Exchange€¦ · Tahun 2018 merupakan awal dari tahap kedua program transformasi...
La
po
ran
Tah
un
an
20
18
An
nu
al R
ep
ort
Laporan TahunanAnnual Report2018
Laporan TahunanAnnual Report2018
Sharper Focus to Step Further
Jl. Kebon Sirih Raya No. 27Jakarta Pusat 10340Tel. (021) 2980 5555- Fax. (021) 3983 6700Telex. 65068 JKTBPIA - Swift: BUMIIDJA
PT
Ba
nk M
NC
Inte
rna
sion
al T
bk
Tahun 2018 merupakan awal dari tahap kedua program transformasi MNC Bank yaitu Focusing Business.
Untuk mempertajam fokus bisnisnya, MNC Bank melakukan perbaikan proses internal dan memperkuat sinergi di seluruh tingkatan organisasi. Tidak kalah penting, Bank terus menyempurnakan transformasi digitalnya yang diwujudkan dengan menyediakan berbagai produk dan layanan inovatif demi memenuhi kebutuhan nasabah.
Keseluruhan elemen ini menjadi bagian yang tak terpisahkan dari fokus usaha MNC Bank dalam rangka memberikan nilai tambah kepada para pemegang saham dan nasabah Bank, yang pada akhirnya akan meningkatkan rentabilitas dan profitabilitas Bank.
The year 2018 was the beginning of the second phase of MNC Bank’s transformation program, namely Focusing Business.
To sharpen its business focus, MNC Bank has made improvement in its internal process and strengthen the synergy in all levels of the organization. No less important, the Bank has continuously improved its digital transformation, realized by providing various innovative products and services to fulfill the customers’ needs.
All of the aforementioned elements have become inseparable from MNC Bank’s business focus. This all is to give added values to the Bank’s shareholders and customers, which in turn will increase the Bank’s rentability and profitability.
MeMpertajaM fokusuntuk Melangkahke depanSharper Focus to Step Further
Pernyataan yang tertuang dalam Laporan Tahunan ini merupakan “pernyataan forward-looking” mengenai tujuan, ekspektasi, atau proyek dari PT Bank MNC Internasional Tbk atau manajemen Bank saat Laporan Tahunan ini diterbitkan. Pernyataan tersebut berhubungan dengan sudut pandang terhadap hasil bisnis atau hasil keuangan MNC Bank atau MNC Financial Services dan MNC Group. Pernyataan yang terdapat di Laporan Tahunan ini bukan menjadi jaminan kinerja di masa yang akan datang, karena hasil sebenarnya di masa depan dapat berbeda dengan pernyataan pada Laporan Tahunan ini dan dapat dipengaruhi oleh beberapa faktor di luar kendali manajemen. Pembaca tidak dapat sepenuhnya menggantungkan keputusannya terhadap pernyataan forward-looking pada Laporan Tahunan ini, karena pernyataan tersebut hanya berlaku ketika pernyataan tersebut dibuat. Kecuali jika hukum mewajibkan, MNC Bank tidak memiliki kewajiban untuk memperbarui atau mengumumkan revisi tersebut di depan umum di masa depan, kondisi atau keadaan yang tercermin dalam pernyataan forward-looking.
Statements Several items contained in this Annual Report constitute “forward-looking statements” regarding the intention, expectation, or projection of PT Bank MNC Internasional Tbk or the Bank’s management when the Annual Report is issued. The statements may relate to the perception on business results or financial results of MNC Bank or MNC Financial Services and MNC Group. Statements mentioned in this annual report are not guarantees of future performance, as the actual results in the future may differ from the statements in this Annual Report and be affected by several factors out of the management’s control. Readers cannot fully depend their decisions on the forward-looking statements in this Annual Report, because the statements only apply when the statements were made. Unless the law requires, MNC Bank does not have any obligation to renew or announce publicly the revision of future events, conditions or circumstances reflected in the forward-looking statements.
This report is written in Indonesian and English. If there is any conflict or inconsistency between the Indonesian version and the English version, the Indonesian shall be the prevailing version.
Laporan ini ditulis dalam Bahasa Indonesia dan Bahasa Inggris. Jika ada konflik atau ketidakkonsistenan antara versi bahasa Indonesia dan versi bahasa Inggris, maka bahasa Indonesia akan menjadi versi yang berlaku.
Daftar ISI Table of Content
04 IkhtIsar kInerjaPerformance Highlights
06 Kinerja Segmen Bisnis 20182018 Business Performance Highlights
08 Ikhtisar KeuanganFinancial Highlights
13 Ikhtisar OperasionalOperational Highlights
14 Jaringan KantorOffice Network
14 Ikhtisar SahamShare Highlights
15 Aksi KorporasiCorporate Actions
15 Ikhtisar ObligasiBond Highlights
15 Penghentian Sementara Perdagangan Saham Penghapusan Pencatatan Saham Suspension/Delisting
16 Peristiwa Penting di Tahun 2018Significant Events in 2018
01 penjelasan teMaTheme Explanation
42 surat pernYataan anggota DeWan koMIsarIs Dan DIreksI tentang tanggung jaWaB atas laporan tahunan 2018 pt Bank MnC InternasIonal tBkStatement Letter From the Board of Commissioners and Directors Regarding Responsibility for the 2018 Annual Report of PT Bank MNC Internasional Tbk
02 Daftar IsITable of Content
44 profIl perusahaanCompany Profile
46 Identitas PerusahaanCompany Information
48 Riwayat Singkat MNC BANKMNC Bank at a Glance
52 Produk dan JasaProducts and Services
54 Wilayah OperasionalOperational Areas
58 Jejak LangkahMilestones
60 Struktur Organisasi PerusahanOrganization Structure
62 Visi Misi & Nilai PerusahaanVision, Mission & Corporate Culture
64 Profil Dewan KomisarisBoard of Commissioners Profile
67 Profil DireksiBoard of Directors Profile
70 Profil Chief OfficerChief Officer Profile
72 Profil Group HeadGroup Head Profile
72 Informasi Perubahan Pengurus Setelah Tahun Buku BerakhirThe Information of Management Changes After the Ending of Fiscal Year
86 analIsIs Dan peMBahasan ManajeMenManagement Discussion and Analysis
88 Tinjauan MakroekonomiMacroeconomy Overview
93 Tinjauan IndustriIndustry Overview
95 Tinjauan UsahaBusiness Overview
104 Tinjauan dan Analisa KeuanganFinancial Analysis and Overview
116 Struktur Permodalan dan Kebijakan Struktur ModalOperational Areas
121 Dividen dan Kebijakan DividenMilestones
20 laporan ManajeMenManagement Report
22 Laporan Dewan KomisarisBoard of Commissioners Report
30 Laporan DireksiBoard of Directors Report
73 Demografi KaryawanEmployees Demography
74 Realisasi Pelaksanaan Training KaryawanEmployees Training Realization
75 Komposisi Pemegang SahamShareholders Composition
77 Struktur Pemegang SahamShareholders Structure
78 Struktur PerusahaanCorporate Structure
80 Kronologi Penerbitan SahamShares Chronology
82 Kronologi Penerbitan Efek LainOther Stocks Chronology
82 Nama dan Alamat Lembaga dan/atau Profesi PenunjangName and Address of Supporting Institu-tion and/or Profession
83 Informasi Pada Website PerusahaanCorporate Website Information
84 Penghargaan & SertifikasiAwards & Certifications
85 Pendidikan dan/atau Pelatihan Dewan Ko-misaris, Direksi, Komite-Komite, Sekretaris Perusahaan dan Audit InternalEducation and/or Training of The Board of Commissioners, Board of Directors, Committees, Corporate Secretary and Internal Audit
346 tanggung jawab sosIal perusahaanCorporate Social Responsibility
350 Kegiatan CSR 20182018 CSR Activities
352 CSR Terkait Ketenagakerjaan, & Keseha-tan dan Keselamatan KerjaCSR Related to Employement, Health and Safety
356 CSR Terkait Pengembangan Sosial KemasyarakatanCSR Related to Social Community Development
360 CSR Terkait Produk dan NasabahCSR Related to Products and Customers
391 laporan keuangan auDItAudited Financial Statements
366 referensIseojk no. 30/seojk .04/2016Reference SEOJK NO. 30/SEO-JK.04/2016
364 pengeloMpokan juM-lah Dan kualItas aset proDuktIf serta CkpnQuantity and Quality of Earning Assets and Provision for Loan Impairment Losses (CKPN)
380 referensIseojk no. 43/seojk .03/2016Reference SEOJK NO. 43/SEO-JK.03/2016
186 tata kelola perusahaanGood Corporate Governance
188 Pedoman Penerapan Tata KelolaGood Corporate Governance Guidelines
192 Roadmap Tata Kelola Perusahaan Yang BaikGood Corporate Governance Roadmap
198 Rapat Umum Pemegang SahamGeneral Meeting of Shareholders
217 Dewan KomisarisBoard of Commissioners
225 DireksiBoard of Directors
233 Penilaian Penerapan Tata Kelola 2018 Terhadap Dewan Komisaris dan Direksi2018 GCG Assessment for the Board of Commissioners and Directors
238 Rapat Dewan KomisarisMeetings of the Board of Commissioners
241 Rapat DireksiMeetings of the Board of Directors
251 Informasi Mengenai Pemegang Saham Utama dan PengendaliInformation on Ultimate Shareholders and Controling Shareholders
252 hubungan afiliasi antara anggota direksidewam komisaris dan pemegangsaham utama dan atau pengendaliMeetings of the Board of Commissioners
253 Komite Dewan Komisaris, Komite AuditThe Board of Commissioners Committees, Audit Committee
261 Komite Dewan Komisaris, Komite Nomina-si dan RemunerasiThe Board of Commissioners Committees, Nomination and Remuneration Committee
267 Komite Dewan Komisaris, Komite Peman-tau RisikoThe Board of Commissioners Committees, Risk Oversight Committee
125 tInjauan operasIonalOperational Review
126 Sumber Daya ManusiaHuman Resources
136 Teknologi InformasiInformation Technology
276 Komite Dewan Komisaris, Komite Tata Kelola TerintegrasiThe Board of Commissioners Committees, Integrated Governance Committee
282 ALCOALCO
285 Komite di Bawah Direksi Manajemen risikoRisk management committee
286 Komite di Bawah Direksi Komite Spesial Aset ManajemenCommittee Under the Board of Directors Committee of Special Asset Management
288 Komite di Bawah Direksi Pengarah Tekno-log I InformasiInformation Technology Steering Com-mittee
290 Komite di Bawah Direksi Special Aset ManajemenCommittee of Special Asset Management
292 Komite di Bawah Direksi Komite KreditCommittee of Special Asset Management
294 Komite di Bawah Direksi Komite Tata Kelola ProdukCommittee Under the Board of Directors Credit Committee
296 Sekretaris PerusahaanCorporate Secretary
306 Audit Internal Internal Audit
311 Akuntan PublikPublic Accountant
312 Fungsi KepatuhanCompliance Function
316 Managemen RisikoRisk Management
330 Sistem Pengendali InternalInternal Control System
333 Perkara Penting yang DihadapiPerseroanCompany Legal Cases
335 Kode EtikCode of Conduct
336 Budaya PerusahaanCorporate Culture
337 Sistem Whistleblowing Whistleblowing System
339 Kebijakan Mengenai Keberagaman Policy of Diversity of Board of Commissioners and Board of Directors
339 kebijakan & proseduranti korupsi Anti Corruption Policy & Procedures
342 pengadaan barang dan jasa Procrument
IkhtIsar kInerjaPerformance Highlights
01
06 Kinerja Segmen Bisnis 20182018 Business Performance Highlights
08 Ikhtisar KeuanganFinancial Highlights
13 Ikhtisar OperasionalOperational Highlights
14 Jaringan KantorOffice Network
14 Ikhtisar SahamShare Highlights
15 Aksi KorporasiCorporate Actions
15 Ikhtisar ObligasiBond Highlights
15 Penghentian Sementara Perdagangan Saham Pengha-pusan Pencatatan Saham Suspension/Delisting
16 Peristiwa Penting di Tahun 2018Significant Events in 2018
6 PT Bank MNC Internasional Tbk.
1
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
kInerja segMen BISnIS 2018
proDuk SImpanan saving products
proDuk kredIt Credit products
segMentasI naSaBah Consumers segment
2018 Business Performance Highlights
MNC Bank menghimpun Dana Pihak Ketiga (DPK) sebesar Rp8,47 triliun pada tahun 2018 dengan komposisi dana murah (CASA) dengan Deposito sebesar 18% berbanding 82%. MNC Bank compiled Third-party Fund (DPK) of Rp 8,47 trillion in 2018 with low cost composition (CASA) and Deposit are 18% compared to 82%.
Penyaluran kredit wholesale serta UKM sebesar Rp3,31 triliun atau mencapai 44% dari total kredit. The distribution of wholesale and SMEs credit was Rp 3,31 trillion or reached 44% of total credit.
Kredit konsumer mendominasi 56% dari total kredit atau sebesar Rp4,20 triliun. Produk yang menjadi segmen konsumer adalah Mortgage, Multifinance, Kartu Kredit dan Implant Banking. Kartu kredit merupakan salah satu produk Konsumer yang mengalami pertumbuhan yang sangat baik dimana mencatatkan pertumbuhan jumlah penerbitan kartu baru sebanyak 43 ribu kartu baru di tahun 2018.
Consumer Credit was dominated by 56% of total credit or Rp 4,20 trillion. There are several products of Consumers’ segments, such as Mortgage, Multifinance, Credit card and Implant Banking. Credit card is one of the Consumer products that experienced such encouraging growth which recorded a number of new card issuance of 43 thousand new cards in 2018
Wholesale dan UKM/Wholesale and SMEs
Kredit Konsumer/Consumer Credit
rp8,47%82
%44
%56
triliun/trillion
Porsi kredit wholesale dan UKM mencapai
Portion of wholesale and SMEs credit was
rp4,20triliun/trillion
%18
7Laporan Tahunan 2018 Annual Report
proDuk kredIt Credit products
rIngkasan kInerja keuangan 2018 2018 financial performance highlights
Pendapatan bunga bersih (Net Interest Income/NII) naik 12,41% YoY menjadi Rp387,47 miliar di tahun 2018 dari tahun 2017 sebesar Rp344,69 miliar.
Net Interest Income/NII rose 12.41% YoY to Rp 387.47 billion in 2018 from 2017 Rp 344.69 billion.
Pendapatan Operasional Selain Bunga sebesar Rp237,79 miliar, naik 106,07% YoY dari tahun 2017 sebesar Rp 115,40 miliar.
Other Operating Income was Rp 237.79 billion, increasing 106.07% YoY to 2017 by Rp 115.40 billion.
Laba Operasional sebesar Rp80,2 miliar, dimana pada tahun 2017 mencatatkan Rugi Operasional sebesar Rp917 miliar.
Operating Profit was amounted to Rp 80.2 billion, that in 2017, the Bank had recorded Operating Loss totaling to Rp 917 billion
Laba bersih tercatat sebesar Rp57,02 miliar di tahun 2018, dimana pada tahun 2017 mengalami rugi Rp685,19 miliar.
Net Profit was recorded to Rp 57.02 billion in 2018, that in 2017, had experienced loss by Rp 685.19 billion.
%12,41 %106,07
%108,75 %108,32
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
MNC Bank menyalurkan kredit sebesar Rp7,51 triliun, didominasi oleh
kredit Konsumer sebesar 56% yang merupakan fokus bisnis Bank.
MNC Bank distributed credit of Rp 7,51 trillion, dominated by
Consumer Credit by 56%, which is the Bank’s business focus.
rp7,51triliun/trillion
8 PT Bank MNC Internasional Tbk.
1
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
IkhtIsar keuanganFinancial Highlights
Dalam Jutaan Rupiah In Million Rupiah
Uraian 2018 2017 2016 2015 2014 Description
LAPORAN POSISI KEUANGAN FINANCIAL POSITION
ASET ASSETS
Kas 173.207 121.769 144.975 108.955 91.556 Cash
Giro pada Bank Indonesia 408.893 603.840 761.639 812.623 596.195 Current Accounts with Bank Indonesia
Giro pada Bank Lain – Pihak Ketiga 257.890 192.564 292.470 1.266.474 203.246 Current Accounts with Other Banks -Third Parties
Penempatan pada Bank Indonesia dan Bank Lain – Pihak Ketiga 890.483 1.117.872 1.984.523 1.335.254 1.538.436 Placements with Bank Indonesia and
Other Banks - Third Parties
Efek-Efek - Pihak Ketiga 927.423 1.101.137 1.375.817 1.173.954 503.806 Securities - Third Parties
Tagihan Derivatif – Pihak Ketiga 1.082 20 4.842 8.241 691 Derivative Receivables – Third Parties
Kredit – Bersih 7.272.968 6.783.806 7.941.795 7.047.265 6.128.833 Loans - Net
Tagihan Akseptasi – Pihak Ketiga 36.419 1.522 89.276 21.234 93.962 Acceptance Receivables – Third Parties
Biaya Dibayar di Muka 178.879 150.968 98.432 44.963 34.346 Prepaid Expenses
Aset Tidak Lancar yang Dimiliki untuk Dijual - - 2.407 - - Non-Current Assets Held for Sale
Aset Tetap – Bersih 48.137 55.113 54.151 50.041 19.016 Fixed Assets - Net
Aset Pajak Tangguhan – Bersih 259.109 276.842 59.075 63.028 86.002 Deferred Tax Assets - Net
Aset Tak Berwujud – Bersih 24.565 24.570 19.327 10.933 9.973 Intangible Assets - Net
Aset Lain-Lain – Bersih 375.800 276.071 228.820 194.039 124.654 Other Assets – Net
Jumlah Aset 10.854.855 10.706.094 13.057.549 12.137.004 9.430.716 Total Assets
ASETASSETS
2018 2017 20152016 2014
10.854.855
10.706.094
12.137.004
13.057.549
9.430.716
KrEdiT – BErSihLoAnS - nET
2018 2017 20152016 2014
7.272.968
6.783.806
7.047.265
7.941.795
6.128.833
9Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
dAnA PihAK KETigAThird-pArTy fund
2018 2017 20152016 2014
8.469.956
9.027.709
9.766.527
10.339.407
7.734.434
EKuiTASEquiTy
2018 2017 20152016 2014
1.429.990
1.252.548
1.708.204
1.860.405
1.233.215
Dalam Jutaan Rupiah In Million Rupiah
Uraian 2018 2017 2016 2015 2014 Description
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas Segera 37.937 39.585 32.018 14.122 21.141 Liabilities Payable
Simpanan 8.469.956 9.027.709 10.339.407 9.766.527 7.734.434 Deposits
Simpanan dari Bank Lain – Pihak Ketiga 740.092 197.257 507.316 500.705 235.948 Deposits from Other Banks - Third
Parties
Liabilitas Derivatif – Pihak Ketiga - 95 3.576 3.714 112 Derivative Payable - Third Parties
Efek-Efek yang Dijual dengan Janji dibeli Kembali - - 89.941 - - Securities Sold with Agreements to
Repurchase
Liabilitas Akseptasi – Pihak Ketiga 36.419 1.522 89.276 21.234 93.962 Acceptance Payable – Third Parties
Utang Pajak 10.131 12.462 12.727 13.760 10.988 Taxes Payable
Liabilitas Imbalan Pasca Kerja 42.184 53.355 47.997 37.331 44.917 Post-Employee Benefit Obligation
Beban yang Masih Harus Dibayar 74.608 110.878 64.365 62.865 44.415 Accruals Expenses
Liabilitas Lain-Lain 13.538 10.683 10.521 8.542 11.584 Other Liabilities
Jumlah Liabilitas 9.424.865 9.453.546 11.197.144 10.428.800 8.197.501 Total Liabilities
Modal Saham – Nilai Nominal Rp100 Per 2.178.505 2.126.147 2.058.147 1.912.957 1.503.233 Share Capital - Nominal Value of
Rp100
Saham Per Share
Tambahan Modal Disetor – Bersih 82.722 722 720 3.555 6.360 Additional Paid in Capital - Net
Laba (Rugi) Komprehensif Lain (11.323) 2.614 (6.720) (7.217) (67.109) Other Comprehensive Income (Loss)
Saldo Laba (Defisit) (819.914) (876.935) (191.742) (201.091) (209.269) Retained Earnings (Deficit)
Jumlah Ekuitas 1.429.990 1.252.548 1.860.405 1.708.204 1.233.215 Total Equity
Jumlah Liabilitas dan Ekuitas 10.854.855 10.706.094 13.057.549 12.137.004 9.430.716 Total Liabilities and Equity
10 PT Bank MNC Internasional Tbk.
1
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Uraian 2018 2017 2016 2015 2014 Description
LAPORAN LABA RUGI KOMPREHENSIF STATEMENT OF PROFIT (LOSS) COMPREHENSIVE
PENDAPATAN DAN BEBAN OPERASIONAL OPERATING REVENUE AND EXPENSES
Pendapatan Bunga 960.256 1.021.547 1.060.551 950.521 760.698 Interest Income
Beban Bunga 572.785 676.858 693.697 663.414 524.417 Interest Expenses
Pendapatan Bunga – Bersih 387.471 344.689 366.854 287.107 236.281 Interest Income - Net
Pendapatan Operasional Lainnya 237.797 115.399 125.415 72.154 62.890 Other Operating Income
Beban Kerugian Penurunan Nilai 34.333 840.176 29.879 4.521 42.332 Provision for Impairment Losses
Beban Operasional Lainnya 510.738 536.912 409.632 343.793 328.149 Other Operating Expenses
Beban Operasional Lainnya – Bersih (307.274) 1.261.689 314.096 276.160 307.591 Other Operating Expenses - Net
Laba (Rugi) Operasional 80.197 (917.000) 52.758 10.947 (71.310) Operating Income (Loss)
PENDAPATAN (BEBAN) NON OPERASIONAL NON-OPERATING INCOME (EXPENSES)
Pendapatan (Beban) Non Operasional – Bersih (797) 10.930 (39.623) 241 1.270 Non-Operating Income (Expenses) - Net
Laba (Rugi) Sebelum manfaat (Beban) Pajak 79.400 (906.070) 13.135 11.188 (70.040) Income (Loss) Before Tax Benefit(Expenses)
Manfaat (Beban) Pajak Tangguhan (22.379) 220.877 (3.786) (3.010) 15.484 Deferred Income Tax (Expense) Benefit
Laba (Rugi) Bersih Tahun Berjalan 57.021 (685.193) 9.349 8.178 (54.556) Net Income (Loss) For the Year
Penghasilan (Rugi) Komprehensif Lain (13.937) 9.334 497 59.892 16.532 Other Comprehensive Income (Loss)
Jumlah Laba (Rugi) Komprehensif 43.084 (675.859) 9.846 68.070 (38.024) Total Comprehensive Income (Loss)
Laba (Rugi) Per Saham (Dalam Rupiah Penuh) Earnings (Loss) Per Share (In Full Amount)
Dasar 2,66 (33,19) 0,51 0,61 (5,91) Basic
Dilusian 2,66 (33,19) 0,47 0,57 (5,91) Diluted
Jumlah Laba (Rugi) Bersih yang dapat diatribusikan kepada pemilik 24.365 (283.875) 3.693 3.207 (21.757) Total Net Income (Loss) attributable to owner
Jumlah Laba (Rugi) Bersih yang dapat diatribusikan kepada kepentingan non- pengendali
32.656 (401.318) 5.656 4.971 (32.799) Total Net Income (Loss) attributable to non-controlling interest
Jumlah Laba (Rugi) Bersih yang dapat diatribusikan kepada pemilik dan kepentingan non-pengendali
57.021 (618.193) 9.349 8.178 (76.313) Total Net Income (Loss) attributable to owner and non-controlling interest
Jumlah Laba (Rugi) Bersih Komprehensif yang dapat diatribusikan kepada pemilik 18.410 (280.008) 3.889 26.69 6.593 Total Comprehensive Income (Loss) attributable
to owner
Jumlah Laba (Rugi) Bersih Komprehensif yang dapat diatribusikan kepada kepentingan non- pengendali
24.674 (395.851) 5.957 41.38 9.939 Total Comprehensive Income (Loss) attributable to non-controlling interest
Jumlah Laba (Rugi) Bersih Komprehensif yang dapat diatribusikan kepada pemilik dan kepentingan non-pengendali
43.084 (675.859) 9.846 6.807 16.532 Total Comprehensive Income (Loss) attributable to owner and non-controlling interest
Dalam Jutaan Rupiah In Million Rupiah
11Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Uraian 2018 2017 2016 2015 2014 Description
RASIO KEUANGAN (%) FINANCIAL RATIO (%)
PERMODALAN CAPITAL
KPMM dengan Memperhitungkan Risiko Kredit, Risiko Operasional dan Risiko Pasar
16,27 12,58 19,54 17,83 17,79 CAR by Calculating Credit Risk Operational Risk and Market Risk,
ASET PRODUKTIF EARNINGS ASSETS
Aset Produktif dan Non ProduktifBermasalah terhadap Total Aset Produktif dan Non Produktif
5,29 5,22 1,88 2,57 4,41Non-Performing Earnings and Non-Productive Assets to Total Earnings
and Non-Productive Assets
Aset Produktif Bermasalah terhadap Total Aset Produktif 4,28 5,08 1,77 2,18 4,41 Non-Performing Earnings Assets to
Total Earnings Assets
CKPN Aset Keuangan Terhadap AsetProduktif 2,38 3,27 0,42 0,39 1,54 Impairment Losses to Earnings Assets
NPL Gross 5,72 7,23 2,77 2,97 5,88 Gross Non-Performing Loan (NPL)
NPL Net 3,43 2,82 2,38 2,43 3,86 Net Non-Performing Loan (NPL)
PROFITABILITAS PROFITABILITY
ROA 0,74 -7,47 0,11 0,10 -0,82 Return on Assets (ROA)
ROE 5,43 -48,91 0,62 0,74 -6,69 Return on Equity (ROE)
NIM 4,10 3,04 3,28 3,32 3,43 Net Interest Margin (NIM)
BOPO 93,51 180,62 95,61 98,97 108,54 Operating Expenses to OperatingIncome (BOPO)
Rasio Liabilitas terhadap Jumlah Aset 86,83 88,30 85,75 85,93 86,92 Liabilities to Total Assets Ratio
LIKUIDITAS LIQUIDITY
Loan to Funding Ratio (LFR) 88,64 78,78 77,20 72,29 80,35 Loan to Funding Ratio (LFR)
KEPATUHAN COMPLIANCE
Persentase Pelanggaran BMPK - - - - - Percentage of Violation
GWM 6,71 6,86 7,15 8,61 8,18 Minimum Reserve Requirements
Posisi Devisa Netto 0,95 6,95 3,70 6,82 6,10 Net Open Position
12 PT Bank MNC Internasional Tbk.
1
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
niMnET inTErEST MArgin (niM)
rOArETurn on ASSETS (roA)
BOPOopErATing ExpEnSES To opErATing incoME (Bopo)
rOErETurn on EquiTy (roE)
2018 2017 20152016 2014
93,51%
180,62%
98,97%
95,61 %
108,54%
2018 2017 20152016 2014
4,10%
3,04%
3,32%
3,28%
3,43%
2018 20182018 2018
2017 20172017 2017
2015 20152015 2015
2016 20162016 2016
2014 20142014 2014
5,43 0,74
-48,91 -7,47
0,74 0,10
0,62 0,11
-6,69 -0,82
%
PEndAPATAn BungAinTErEST incoME
LABA (rugi) OPErASiOnALopErATing incoME (LoSS)
2018 2017 20152016 2014
960.256
1.021.547
950.521
1.060.551
760.698
2018 2018
2017 2017
2015 2015
2016 2016
2014 2014
80.197
(917.000)
10.947
52.758
(71.310)
13Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
IkhtIsaroperaSIonalOperational Highlights
Produk 2018 2017 2016 2015 Products
PRODUK SIMPANAN SAVINGS PRODUCT
Giro 890.732 859.491 974.742 1.069.198 Current Account
Tabungan 640.617 606.961 647.786 567.339 Savings
Deposito Berjangka 6.938.607 7.561.257 8.716.879 8.129.990 Time Deposits
Total 8.469.956 9.027.709 10.339.407 9.766.527 Total
PRODUK KREDIT LOAN PRODUCT
Wholesale 2.946.188 2.954.878 3.271.522 3.154.129 Wholesale
Usaha Kecil Menengah (UKM) 368.137 460.243 686.826 351.768 Small-Medium Enterprise (SME)
Konsumer 4.197.308 3.699.801 4.035.968 3.579.332 Consumer
Total 7.511.633 7.114.922 7.994.316 7.085.228 Total
Dalam Jutaan Rupiah In Million Rupiah
PrOduK KrEdiTLoAnS producT
PrOduK SiMPAnAnSAVing producT
2018 2018
Wholesale Giro | current AccountKonsumer | consumer Deposito | Time deposits
UKM | SME Tabungan | Savings
2017 20172015 20152016 2016
2.946.188
2.954.878
3.271.522
3.154.129
890.732
859.491
974.742
1.069.198
368.137
460.243
686.826 351.768
640.617
606.961
647.786
567.339
4.197.308
3.699.801
4.035.968
3.579.332
6.938.607
7.561.257
8.716.879
8.129.990
14 PT Bank MNC Internasional Tbk.
1
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
jaringankantorOffice Network
Jaringan 2018 2017 2016 2015 Network
Kantor Pusat 1 1 1 1 Head Office
Kantor Cabang 16 16 16 16 Branch
Kantor Cabang Pembantu 28 32 34 33 Sub Branch
Kantor Kas 14 23 22 26 Cash Office
Payment Point 0 - - 2 Payment Point
Jumlah Kantor 59 72 73 78 Number of Office
ATM 83 99 93 83 ATM
Tertinggi / Highest Terendah / Lowest Penutupan / Close
ikhtisarsahamShare Highlights
BulanMonth
TertinggiHighest
TerendahLowest
PenutupanClose
Volume Perdagangan Total MarketTrading Volume Total Market
2018
Triwulan 1Quarter 1 58 50 51 573,439,000
Triwulan 2Quarter 2 75 50 50 1,017,524,000
Triwulan 3Quarter 3 75 50 50 1,798,690,000
Triwulan 4Quarter 4 51 50 50 1.812.364.000
2017
Triwulan 1Quarter 1 84 64 67 1.813.397.000
Triwulan 2Quarter 2 84 58 59 2.247.873.000
Triwulan 3Quarter 3 84 50 51 3.984.602.000
Triwulan 4Quarter 4 84 50 51 5.012.971.000
2017 2018
100
80
60
40
20Q1 Q1Q2 Q2Q3 Q3Q4 Q4
15Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
aksI korporaSICorporate Actions
Bedasarkan hasil RUPSLB tanggal 30 Mei 2017 pemegang saham MNC Bank telah menyetujui pelaksanaan Penambahan Modal dengan Hak Memesan Efek Terlebih Dahulu (HMETD).
Pada tanggal 28 Mei 2018, MNC Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-58/D.04/2018 untuk melakukan Penawaran Umum Terbatas VI dalam rangka penerbitan Hak Memesan Efek Terlebih Dahulu (HMETD). Jumlah saham yang diterbitkan sebanyak-banyaknya 4.780.327.410 lembar saham dengan harga penawaran Rp 100 per saham yang disertai dengan penerbitan Waran Seri IV sebanyak-banyaknya 4.780.327.410 saham, dimana setiap 1 (satu) saham hasil pelaksanaan HMETD melekat 1 Waran Seri IV yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 100 per saham.
MNC Bank berhasil memperoleh dana dari hasil Penawaran Umum Terbatas (PUT) VI sebanyak 273.580.271 saham dengan nilai nominal RP 100 per saham setara dengan Rp 27,3 miliar. Dimana 1 (satu) saham hasil pelaksanaan HMETD melekat 1 (satu) Waran Seri IV yang dapat dikonversi menjadi saham baru dengan harga pelaksanaan Rp 100 per saham, dimana pelaksanaan waran seri IV dapat dilaksanakan mulai 21 Desember 2018 sampai dengan 20 Juni 2023. Pada tanggal 31 Desember 2018, jumlah waran seri IV yang belum dilaksanakan adalah sebanyak 273.580.271.
Pada tanggal 31 Desember 2018, jumlah saham Bank yang telah dicatatkan di Bursa Efek Indonesia sejumlah 21.567.203.082 lembar saham.
Pursuant to the resolution of the Extraordinary GMS on May 30, 2017, MNC Bank shareholders approved the implementation of Capital Addition with Preemptive Rights (HMETD).
On May 28, 2018, MNC Bank obtained an effective statement from the Financial Services Authority Board of Commissioners No. S-58/D.04/2018 for conducting Limited Public Offering VI in issuing Preemptive Rights (HMETD). The total shares issued is a maximum of 4,780,327,410 shares with an offering price of Rp 100 per share. It is accompanied by the issuance of Series IV Warrants in a maximum of 4,780,327,410 shares, which every 1 (one) share resulting from HMETD is attached to 1 Series IV Warrants that give the shareholders the right to buy new shares at an exercise price of Rp. 100 per share.
MNC Bank managed to obtain funds from the proceeds of the Limited Public Offering (PUT) of 273,580,271 shares with a nominal value of Rp. 100 per share equivalent to Rp. 27.3 billion. 1 (one) share resulting from the exercise of Rights is attached to 1 (one) Series IV Warrants that can be converted into new shares at an exercise price of Rp. 100 per share. The execution of series IV warrants can be carried out from December 21, 2018 to June 20, 2023. On December 31, 2018, the total of series IV warrants that have not been implemented is 273,580,271.
As of December 31, 2018, the total of Bank shares listed on the Indonesia Stock Exchange amounted to 21,567,203,082 shares.
IkhtIsaroBlIgaSI
penghentIan seMentara perDaganganSaham penghapuSan pencatatan Saham
Bond Highlights
Bond Highlights
Selama tahun 2018, MNC Bank tidak menerbitkan obligasi.Throughout 2018, MNC Bank did not issue any bonds.
Selama tahun buku 2018, MNC Bank tidak dikenakan sanksi penghentian sementara perdagangan saham maupun penghapusan pencatatan saham oleh regulator di Indonesia. Throughout the 2018 fiscal year, MNC Bank was not imposed any sanction for suspended or delisting of share trading by the regulators in Indonesia.
16 PT Bank MNC Internasional Tbk.
1
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
perIstIwa pentIng dI tahun 2018Significant Events in 2018
Januari 2018 january Maret 2018 March
april 2018 april
Februari 2018 February
19 02
03
23
17
23
MNC Bank Raih Predikat ‘The Most Improved Banking of the Year’MNC Bank mendapatkan apresiasi “The Most Improved Banking of the Year” pada Indonesian Creativity & Best Leader Award 2018 atas rekam jejaknya yang baik dalam melakukan perbaikan dan pengembangan perusahaan.
MNC Bank Received Predicate ‘The Most Improved Banking of the Year’MNC Bank was received with an appreciation as “The Most Improved Banking of the Year” at the Indonesian Creativity & Best Leader Award 2018 for the Bank’s good track record in the Company’s improvement and development.
MNC Bank Raih Predikat Platinum pada Indonesia Corporate Secretary & Corporate Communication Award 2018 dan Indonesia Information Technology Award 2018MNC Bank mendapatkan apresiasi peringkat Platinum pada Indonesia Corporate Secretary & Corporate Communication Award 2018 dan Indonesia Information Technology Award 2018 atas keberhasilan menjaga reputasi perusahaan dan inovasi pada bidang infrastruktur IT perbankan.
MNC Bank Received Platinum Predicate at Indonesia Corporate Secretary & Corporate Communication Award 2018 and Indonesia Information Technology Award 2018MNC Bank was received with Platinum predications at the Indonesia Corporate Secretary & Corporate Communication Award 2018 and Indonesia Information Technology Award 2018 for the Company’s success in maintaining its reputation and innovation in the banking IT infrastructure.
MNC Bank Raih Predikat Platinum dari Indonesia CSR Award 2018MNC Bank mendapatkan apresiasi peringkat Platinum pada Indonesia CSR Award 2018 atas rekam jejaknya yang baik dalam kegiatan berwawasan sosial.
MNC Bank Received Platinum Predicate from Indonesia CSR Award 2018MNC Bank was received with a Platinum Predication at the Indonesia CSR Award 2018 for the Bank’s good track record in social-valued activities.
MNC Bank Best Lender of the Year Menurut Loan MarketMNC Bank mendapatkan apresiasi Best Lender dari Loan Market Indonesia atas kinerja fasilitas KPR melalui agen pemasaran properti Loan Market.
MNC Bank Best Lender of the Year According to Loan MarketMNC Bank was received with an appreciation as Best Lender from Loan Market Indonesia for the Bank’s performance in its housing loans (KPR) through Loan Market property agents.
Kerja Sama MNC Bank dengan Dirjen DUKCAPILMNC Bank kerja sama dengan Dirjen DUKCAPIL untuk pemanfaatan data nomor induk kependudukan dan e-KTP untuk validasi data nasabah.
MNC Bank Collaborates with Director General of DUKCAPILMNC Bank had the collaboration with the Director General of the Population and Civil Registry (DUKCAPIL) for utilizing citizenship identity number and e-ID card data for customers data validation.
MNC Bank Tandatangani MOU dengan IntilandMNC Bank menandatangani MOU dengan beberapa entitas anak dari Intiland Development untuk memacu pertumbuhan KPR dan KPA.
MNC Bank Signs MOU with IntilandMNC Bank signed an MOU with some subsidiaries of Intiland Development to accelerate the growth of Housing and Apartment Loans.
17Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Juni 2018 june
Juli 2018 julyMei 2018 May
04
1930
17MNC Bank Rilis Kartu GPNMNC Bank menerbitkan Kartu ATM Gerbang Pembayaran Nasional (GPN) sehingga sesuai dengan program Bank Indonesia (BI) terkait sistem GPN membuat satu kartu ATM dapat digunakan di seluruh jaringan ATM di Indonesia.
MNC Bank Issues GPN CardMNC Bank issued National Gateway Payment (GPN) ATM Card, which is in line with the Bank Indonesia’s GPN related program. It is the one single ATM card that can be used in all ATM networks across Indonesia.
MNC Bank Berikan Hadiah MobilMNC Bank berikan hadiah langsung berupa mobil bagi nasabah Tabungan MNC Berhadiah di Denpasar.
MNC Bank Gives Away Car as the Prize MNC Bank gave away a car for the winning customer of Tabungan MNC in Denpasar.
MNC Bank Raih Penghargaan Indonesia Human Capital AwardMNC Bank mendapatkan apresiasi peringkat Gold pada Indonesia Human Capital Award 2018 atas rekam jejaknya yang baik dalam pengembangan sumber daya manusia.
MNC Bank Wins Indonesia Human Capital AwardMNC Bank was bestowed with Gold predication at the Indonesia Human Capital Award 2018 for the Bank’s track record in its human resource development.
MNC Bank Raih Penghargaan Indonesia Digital Innovation AwardMNC Bank mendapatkan apresiasi “Innovative Company in Digital Banking Applications” pada Indonesia Digital Innovation Award 2018 atas inovasi dalam pengembangan aplikasi digital untuk perbankan.
MNC Bank Wins Indonesia Digital Innovation AwardMNC Bank was honored as Innovative Company in Digital Banking Applications at the Indonesia Digital Innovation Award 2018 for the Bank’s innovation in developing digital banking applications.
MNC Bank Gunakan Logo Baru pada CabangMNC Bank memperlihatkan penerapan logo baru di Kantor Cabang MNC Bank setelah resmi efektif pada tanggal 31 Mei 2018.
MNC Bank Uses New Logo at Branches MNC Bank displays the use of its new logo at MNC Bank’s branches, effective after the launch of the new logo on May 31, 2018.
MNC Bank Raih Indonesian Business Professional & Education AwardMNC Bank mendapatkan apresiasi The Best Reputable Banking with Customer Satisfaction of the Year pada Indonesian Business Professional & Education Award 2018 atas kemampuan menjaga reputasi dan komunikasi dengan seluruh pemangku kepentingan.
MNC Bank Wins Indonesian Business Professional & Education AwardMNC Bank was honored with an appreciation as The Best Reputable Banking with Customers Satisfaction of the Year at the Indonesian Business Professional & Education Award 2018 for the Bank’s capability of maintaining its reputation and communications with all the stakeholders.
18 PT Bank MNC Internasional Tbk.
1
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
MNC Bank Adakan Gathering Tabungan Arisan NasionalMNC Bank mengadakan gathering nasabah untuk penarikan arisan sebagai bagian dari rangkaian program Tabungan Arisan Nasional.
MNC Bank Holds ‘Tabungan Arisan Nasional’ GatheringMNC Bank held a customer gathering in the form of arisan (rotating savings group). The activity was part of a series of National Arisan Savings programs.
MNC Bank Raih TOP CSRMNC Bank meraih “TOP CSR 2018” dan “TOP Leader on CSR Commitment” atas rekam jejak yang baik dalam kegiatan sosial korporasi.
MNC Bank Named TOP CSRMNC Bank was honored as TOP CSR 2018 and TOP Leader on CSR Commitment for the Bank’s good track record in corporate social activities.
Ulang Tahun, MNC Bank Adakan PromoDalam rangka memberikan apresiasi dan nilai lebih untuk nasabah secara umum dan karyawan group MNC secara khusus, MNC Bank mengadakan bazaar promo berbagai produk di MNC Center Kebon Sirih.
Celebrating Anniversary, MNC Bank Holds PromoAs a means of giving appreciation and added value for its customers in general and staff of MNC Group in particular, MNC Bank held promo bazaar featuring various products. The bazaar was held at MNC Center Kebon Sirih.
Perayaan Ulang Tahun MNC BankSelain menyelenggarakan berbagai promo menarik bagi nasabah, ulang tahun MNC Bank juga dirayakan dengan sederhana. Perayaan dihadiri oleh seluruh karyawan, manajemen dan undangan dari berbagai unit bisnis MNC Group termasuk Bapak Hary Tanoesoedibjo selaku Chairman MNC Group, Ibu Liliana Tanoesoedibjo selaku Chairwoman MNC Group, dan Ibu Jessica Tanoesoedibjo selaku Direktur MNC Financial Services. Seluruh kegiatan adalah dari karyawan untuk karyawan, dimulai dari pentas seni oleh karyawan hingga coaching motivasi oleh Bapak Hary Tanoesoedibjo.
MNC Bank Anniversary CelebrationIn addition to featuring various interesting promos for its customers, MNC Bank held a simple anniversary celebration. The event saw the attendance of all employees, management and invitees from various business units within MNC Group, including Mr. Hary Tanoesoedibjo as the Chairman of MNC Group, Mrs. Liliana Tanoesoedibjo as the Chairwoman of MNC Group and Ms. Jessica Tanoesoedibjo as the Director of MNC Financial Services. All the activities were conducted from the employees for the employees, starting from art performance by the employees to motivation coaching by Mr. Hary Tanoesoedibjo.
aGuStuS 2018 auGuST
OktOber 2018 OcTOber
15
05
15
MNC Bank Edukasi 18 Kota untuk Bulan InklusiMNC Bank melaksanakan edukasi di 18 Kota dengan lebih dari 1700 jumlah partisipan dalam rangka bulan Inklusi dan ulang tahun.
MNC Bank Educates 18 Cities for Inclusion MonthMNC Bank held education events in 18 cities with more than 1,700 participants. The event was held for the inclusion month and commemorating the anniversary.
19Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
nOveMber 2018 nOveMber DeSeMber 2018 DeceMber19 07
15
MNC Bank Diakui sebagai Fastest Growing MasterCard BankMNC Bank mendapatkan apresiasi sebagai Fastest Growing MasterCard Bank pada MasterCard Appreciation Night 2018 atas rekam jejaknya yang baik dalam pertumbuhan kartu dan layanan dari MasterCard.
MNC Bank Recognized as Fastest Growing MasterCard BankMNC Bank was bestowed with an appreciation as the fastest Growing MasterCard Bank at the MasterCard Appreciation Night 2018 for the Bank’s good track record in MasterCard’s growth and service.
MNC Bank Raih Anugerah Perbankan Indonesia 2018MNC Bank mendapatkan apresiasi Peringkat 1 Bank Swasta Tbk terbaik di Indonesia untuk kelompok BUKU II (aset Rp10 T s/d Rp25 T) pada Anugerah Perbankan Indonesia Human atas rekam jejaknya yang baik dalam aspek GCG, IT, CSR, dan Corporate Communication hingga berdampak positif pada kinerja keuangan 2018.
MNC Bank Wins ‘Anugerah Perbankan Indonesia 2018 Award’MNC Bank was recognized as the first Rank of Private Bank of Public Company in Indonesia for the category of BUKU II (with assets from Rp10 trillion to Rp25 trillion) at the Indonesia Human Banking Award. The award was bestowed on the Bank for its good track record in GCG, IT, CSR and Corporate Communication; all of which have positively impacted the 2018 financial performance.
laporan manajemenManagement Reports
22 Laporan Dewan KomisarisBoard of Commissioner Reports
30 Laporan Dewan DireksiBoard of Directors Reports
02
22 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
22 PT Bank MNC Internasional Tbk.
laporan Dewan komISarISBoard of Commissioners Reports
Secara umum, Dewan Komisaris menilai bahwa Kinerja Direksi tahun 2018 cukup
baik, hal tersebut tercermin dari perbaikan kinerja keuangan Bank serta pencapaian aspek operasional, keuangan dan aspek
lainnya sebagaimana telah dirumuskan pada awal tahun 2018.
In general, the Board of Commissioners considers
the Board of Directors has done its commendable
performance throughout 2018. This has been reflected to the Bank’s improvement in Bank’s financial performance
as well as operational and financial achievements, and other aspects as formulated
at the beginning of 2018.
‘‘
PONKY N. PUDIJANTOPresiden Komisaris Independen
Independent President Commissioner
2
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Highlights Management Report Company Profile Management Discussion & Analysis
23Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
23Laporan Tahunan 2018 Annual Report
Pemegang saham dan pemangku kepentingan yang kami hormati,
Sepanjang tahun 2018, Dewan Komisaris telah melaksanakan tugas dan tanggung jawab sesuai dengan Anggaran Dasar dan Pedoman Kerja Dewan Komisaris serta melakukan pengawasan terhadap pelaksanaan tugas Direksi atas implementasi kebijakan strategis Bank, prospek usaha serta penerapan tata kelola Perusahaan yang baik di lingkungan Bank. Kami bersyukur MNC Bank berhasil melalui tahun 2018 yang penuh tantangan, dengan menunjukkan pertumbuhan kinerja yang cukup baik.
Perekonomian global masih mengalami ketidakpastian dan penuh tantangan selama tahun 2018, hal tersebut disebabkan kenaikan Fed Funds Rate (FFR), perlambatan pertumbuhan ekonomi negara maju, tingginya risiko perang dagang Amerika Serikat (AS) dan Tiongkok dan geo-politik yang masih tinggi berdampak pada tetap rendahnya volume perdagangan dunia. Meskipun dipengaruhi oleh kondisi global namun pertumbuhan ekonomi Indonesia relatif stabil yang ditopang oleh peningkatan investasi dan permintaan domestik.
Perekonomian Indonesia di tahun 2018 menunjukkan kondisi yang stabil dengan tingkat pertumbuhan dan inflasi yang terjaga. Meskipun begitu, pertumbuhan ekonomi Indonesia sedikit mengalami gejolak, khususnya pada indikator nilai tukar, cadangan devisa dan defisit neraca pembayaran. Sepanjang 2018, Badan Pusat Statistik mencatat perekonomian Indonesia tumbuh 5,17%. Pertumbuhan ekonomi tersebut lebih tinggi dari capaian sepanjang 2017 yang tumbuh 5,07%, tetapi di bawah target Anggaran Pendapatan dan Belanja Negara (APBN) yang dipatok 5,4%. Ekonomi Indonesia triwulan IV-2018 dibanding triwulan III-2018 mengalami kontraksi sebesar 1,69%. Stagnasi pada triwulan IV tersebut tak terlepas dari kondisi perlambatan perekonomian global.
Dear distinguished shareholders and stakeholders,
Throughout 2018, the Board of Commissioners carried out their duties and responsibilities in accordance with the Articles of Association and Work Guidelines of the Board of Commissioners. The Board of Commissioners also supervised the implementation of the Board of Directors’ duties on the implementation of the Bank’s strategic policies, business prospects and the implementation of good corporate governance within the Bank. We are grateful that MNC Bank successfully has been through 2018 that was full of challenges, by showing good performance growth.
The global economy has still met uncertainty and challenges during 2018, due to the increase in the Fed Funds Rate (FFR), slowing economic growth in developed countries, high risk of the US trade wars and China and geo-politics that still gave a high impact to the low volume of world trade. Although affected by global condition, Indonesia’s economic growth is relatively stable, supported by increased investment and domestic demand.
The Indonesian economy in 2018 showed a stable condition with maintained growth and inflation rates. Even so, Indonesia’s economic growth has experienced a slight upheaval, particularly in the exchange rate indicators, foreign exchange reserves and balance of payments deficits. Throughout 2018, the Central Bureau of Statistics noted that the Indonesian economy grew by 5.17%. It was higher than the achievement in 2017 grew by 5.07%, but below the State Budget (APBN) target that set at 5.4%. Indonesian economy in quarter IV-2018 compared to quarter III-2018 contracted by 1.69%. The stagnation in the fourth quarter was inseparable from the condition of global economic downturn.
24 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Rasio % Ratio
CAR 22,97 CAR
LDR 94,78 LDR
NPL Gross 2,40 NPL Gross
NPL Nett 1,0 NPL Nett
Sumber : Statistik Perbankan Indonesia Desember 2018 dan Laporan Kebijakan Moneter Triwulan IV 2018
Source : Indonesia Banking Statistic, December 2018 and Monetary Policy Review 4th Quarter of 2018
Secara keseluruhan, pertumbuhan ekonomi Indonesia di 2018 masih dipengaruhi oleh komponen produksi seperti sektor pertanian, industri pengolahan non-migas, perdagangan besar dan pengadaan listrik dan gas. Komponen lain yang mempengaruhi pertumbuhan perekonomian Indonesia adalah komponen pengeluaran seperti pengeluaran konsumsi ibu rumah tangga khususnya kelompok restoran dan hotel.
Stabilitas Sistem Keuangan dinilai masih stabil. Hal tersebut diindikasikan oleh pertumbuhan tingkat inflasi yang stabil dan berada pada level yang rendah. Inflasi Indeks Harga Konsumen (IHK) pada 2018 tetap terkendali dalam kisaran sasaran 3,5%±1% (yoy). Inflasi IHK pada Desember 2018 tercatat 3,13% (yoy), lebih rendah dibandingkan dengan inflasi tahun sebelumnya 3,61% (yoy) dan rerata pencapaian inflasi tiga tahun terakhir 3,33% (yoy). Perkembangan ini membuat inflasi IHK tetap dapat dijaga berada dalam kisaran sasarannya dalam empat tahun terakhir.
Sementara pada industri perbankan khususnya Bank Umum Konvensional, Capital Adequacy Ratio (CAR) perbankan berada di level 22,97 %, likuiditas yang memadai dengan Loan to Deposit Ratio (LDR) sebesar 94,78 % serta risiko yang masih dapat ditekan dengan penurunan angka non-perfoming loan (NPL) gross 2,74% dan NPL nett 1,11%.
On the whole, Indonesia’s economic growth in 2018 was still influenced by production components such as the agricultural sector, non-oil and gas processing industry, large trade and procurement of electricity and gas. Another component that affects the growth of the Indonesian economy is the component of expenditure such as consumption expenditures for housewives, especially restaurant and hotel groups.
Financial System Stability was still considered stable. This was indicated by the steady growth in the inflation rate and at a low level. The Consumer Price Index (CPI) inflation in 2018 remained under control in the target range of 3.5% ± 1% (yoy). CPI inflation in December 2018 was recorded at 3.13% (yoy), lower than the previous year’s inflation (3.61% yoy) and the average achievement of inflation in the last three years (3.33% yoy). This development has kept CPI inflation within its target range in the past four years.
Meanwhile in the banking industry, especially Conventional Commercial Banks, banking Capital Adequacy Ratio (CAR) was at 22.97%, adequate liquidity with an LDR of 94.78% and risk that could still be reduced by a decrease in gross non-perfoming loan (NPL) 2.74% and NPL nett 1.11%.
PEniLAiAn TErhAdAP KinErjA dirEKSi Secara umum, Dewan Komisaris menilai bahwa kinerja Direksi tahun 2018 cukup baik, hal tersebut tercermin dari perbaikan kinerja keuangan Bank dibandingkan tahun sebelumnya serta pencapaian aspek operasional, keuangan dan aspek lainnya yang berkaitan erat dengan perkembangan usaha bank sebagaimana dirumuskan pada awal tahun 2018.
Penilaian Dewan Komisaris didasarkan pada sejumlah indikator utama yang tercapai. MNC Bank berhasil membukukan laba sebesar Rp 57,02 miliar di tahun 2018 setelah kerugian yang dialami oleh Bank ditahun 2017. Pertumbuhan kredit terus meningkat, tahun 2018 tercatat penyaluran kredit sebesar Rp 7,51 triliun meningkat 5,58% dari tahun 2017 sebesar Rp 7,11 triliun. Sementara Dana Pihak Ketiga mengalami perubahan komposisi dengan meningkatkan CASA pada 2018 sebesar Rp 1,53 triliun meningkat 4,43% dari tahun 2017 sebesar 1,47 triliun.
Assessment of Directors PerformAnceIn general, the Board of Commissioners considers that the Board of Directors' performance in 2018 is quite sound. This is reflected in the improvement of the Bank's financial performance compared to the previous year as well as the achievement of operational, financial and other aspects closely related to the bank's business development as formulated in early 2018.
The Board of Commissioners' assessment is based on a number of key indicators that have been achieved. MNC Bank managed to record a profit of Rp. 57.02 billion in 2018 after the losses suffered by the Bank in 2017. Credit growth continued to increase. In 2018, it recorded the credit lending of Rp. 7.51 trillion increased 5.58% from 2017 amounting to Rp. 7.11 trillion. While Third Party Funds experienced a change in composition by increasing CASA in 2018 by Rp 1.53 trillion, an increase of 4.43% from 2017 at 1.47 trillion.
25Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Dalam menyikapi kondisi ekonomi dan industri tahun 2018, Bank menuangkan fokus yang besar terhadap konsolidasi dan perbaikan terhadap proses-proses internal untuk menjadikan Bank lebih profitable. Upaya tersebut tidak lepas dari kerja keras Direksi dan seluruh karyawan Bank.
Tahun 2018, terdapat perubahan dari komposisi manajemen dengan tujuan mempersiapkan struktur organisasi Bank yang lebih efisien, baik secara operasional maupun pengelolaan. Hal tersebut agar pengambilan keputusan dapat menjadi lebih efektif terutama di fase kedua transformasi yaitu Focusing the Business. Berbagai perubahan tersebut menunjukkan komitmen Bank untuk mampu beradaptasi kepada setiap tantangan dengan tujuan akhir memungkinkan pertumbuhan bank yang berkelanjutan.
Selain itu, terdapat beberapa pencapaian yang sudah terpenuhi di 2018. Pertama, peraihan kinerja positif dengan Laba bersih Rp 57,02 miliar, kemudian telah terisinya beberapa posisi strategis organisasi dengan kualifikasi yang mumpuni. Hal tersebut memberikan rasa percaya diri bagi Bank dalam menghadapi tahun-tahun yang akan datang.
PEniLAiAn TErhAdAP KinErjA KOMiTE-KOMiTE diBAwAh dEwAn KOMiSAriSDewan Komisaris telah memiliki beberapa komite dibawah Dewan Komisaris yang berperan membantu pengawasan Bank secara efektif dan efisien, yaitu Komite Audit, Komite Pemantau Risiko, dan Komite Remunerasi dan Nominasi. Dewan Komisaris menilai bahwa ketiga komite tersebut telah menjalankan tugas dengan baik sesuai fungsi dan kapasitasnya.
Komite Audit telah membantu memberi pengarahan dan evaluasi kinerja keuangan serta memantau laporan keuangan agar sesuai dengan standar akutansi yang berlaku. Selain itu komite telah memantau dan mengevaluasi efektifitas audit baik yang dilaksanakan auditor internal maupun auditor eksternal, meliputi rencana audit, pelaksanaan dan pelaporan audit, pencapaian KPI, serta kecukupan sumber daya audit. Selanjutnya komite juga membantu pemantauan tindaklanjut atas temuan audit baik oleh Audit Internal, OJK, maupun Audit Eksternal lainnya. Secara keseluruhan, komite dinilai telah memainkan peranan positif dalam melaksanakan fungsi sebagai pengawas independen dalam berbagai aspek organisasi terkait keandalan laporan keuangan. Komite Audit telah melakukan 10 pertemuan sepanjang 2018.
Komite Pemantau Risiko telah membantu evaluasi kesesuaian kebijakan manajemen risiko dengan pelaksanaan kebijakan Bank. Hal tersebut dilakukan dengan memberikan rekomendasi kepada Dewan Komisaris mengenai kebijakan manajemen risiko untuk memastikan bahwa Bank telah mengelola risiko-risiko secara memadai melalui kebijakan, ketentuan, sistem, prosedur dan kegiatan usaha yang
In addressing the economic and industrial conditions in 2018, the Bank has put a great focus on consolidation and improvement of internal processes to make the Bank more profitable. These efforts were inseparable from the hard work of the Board of Directors and all Bank employees.
In 2018, there was a change in the composition of management with the aim of preparing the Bank's organizational structure to be more efficient, both operational and management. It aimed to make the decision making become more effective, especially in the second phase of transformation, Focusing the Business. These changes showed the Bank's commitment to adaptability on every challenge with the ultimate goal of enabling sustainable bank growth.
In addition, several achievements have been obtained in 2018. First, the Bank achieved a positive performance with a net profit of Rp. 57.02 billion. Moreover, several strategic positions of the organization with qualified qualifications has ben filled. This gives confidence for the Bank in the facing the upcoming years.
Assessment of PerformAnce of committees UnDer the BoArD of commissionersThe Board of Commissioners has several committees under the Board of Commissioners whose role is to help oversee the Bank effectively and efficiently, namely the Audit Committee, Risk Monitoring Committee and Remuneration and Nomination Committee. The Board of Commissioners considers that the three committees have carried out their duties properly according to their functions and capacities.
The Audit Committee has helped guide and evaluate financial performance and monitor financial statements to comply with the applicable accounting standards. In addition, the committee has monitored and evaluated the effectiveness of the audit, both carried out by internal auditors and external auditors, including audit plans, audit implementation and reporting, achievement of KPIs, and adequacy of audit resources. Furthermore, the committee also assists in monitoring the follow-up of audit findings both by Internal Audit, OJK, and other External Audit. Overall, the committee is considered to have played a positive role in carrying out its functions as an independent supervisor in various aspects of the organization regarding the reliability of financial statements. The Audit Committee has conducted 10 meetings throughout 2018.
The Risk Monitoring Committee has helped evaluating the suitability of risk management policies with the implementation of Bank policies. This is done by providing recommendations to the Board of Commissioners regarding risk management policies to ensure that the Bank has managed risks adequately through policies, regulations, systems, procedures and business activities carried out
26 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
dijalankan Bank telah sesuai dengan regulasi OJK dan ketentuan peraturan perundang-undangan yang berlaku. Selanjutnya, komite juga melakukan pemantauan dan evaluasi dari pelaksanaan tugas Komite Manajemen Risiko dan unit kerja Risk Management selaku satuan kerja manajemen resiko. Menyampaikan rekomendasi kepada Dewan Komisaris atas kebijakan yang telah diambil oleh Direksi berkaitan dengan manajemen risiko. Komite Pemantau Risiko telah melakukan 10 pertemuan sepanjang 2018.
Komite Remunerasi dan Nominasi telah memberikan rekomendasi kepada Dewan Komisaris mengenai Komposisi Direksi dan Dewan Komisaris, kebijakan dan kriteria dalam proses nominasi, dan kebijakan evaluasi kinerja Direksi dan Dewan Komisaris. Selain itu komite juga telah melakukan penilaian kinerja anggota Direksi dan Dewan Komisaris, memberikan rekomendasi mengenai program pengembangan kemampuan, serta rekomendasi terkait fungsi remunerasi. Komite Remunerasi dan Nominasi telah melakukan 5 kali rapat sepanjang 2018.
PAndAngAn ATAS PrOSPEK uSAhA Tahun 2019 diprediksi tidak akan lebih mudah dibandingkan dengan tahun 2018. MNC Bank akan menghadapi banyak tantangan baik internal maupun eksternal. Meskipun banyak tantangan, terdapat prospek di tahun depan yang mendorong MNC Bank untuk bekerja lebih efisien, cerdas, dan bisa memanfaatkan segmen pasar yang menjadi target Bank.
MNC Bank masih memiliki prospek yang baik di tahun yang akan datang mengingat komitmen para shareholders yang besar dan berbagai upaya yang dilakukan oleh Direksi. Tahun 2019 dan tahun-tahun yang akan datang diharapkan akan memberikan prospek yang baik. Tiga hal utama yang perlu menjadi perhatian Direksi adalah: 1) Memperbaiki margin usaha, 2) meningkatkan kualitas portofolio kredit, dan 3) meningkatkan kontribusi kantor cabang dalam pencapaian target profitabilitas Bank. Selain itu, perkembangan dunia Fintech dan teknologi perbankan menjadi salah salah satu bidang yang prospektif bagi profitability Bank.
by the Bank in accordance with OJK regulations and the applicable statutory provisions. Furthermore, the committee also monitors and evaluates the duty implementation of the Risk Management Committee and the Risk Management work unit as the risk management work unit. The Committee also delivers the recommendations to the Board of Commissioners on the policies taken by the Board of Directors relating to risk management. The Risk Monitoring Committee has conducted 10 meetings throughout 2018.
The Remuneration and Nomination Committee has provided recommendations to the Board of Commissioners regarding the composition of the Board of Directors and the Board of Commissioners, policies and criteria in the nomination process, and the performance evaluation policies of the Board of Directors and Board of Commissioners. In addition, the committee has also assessed the performance of the Board of Directors and the Board of Commissioners members, provided recommendations on capacity building programs, and gave recommendations related to the remuneration function. The Remuneration and Nomination Committee has held 5 meetings throughout 2018.
View of BUsiness ProsPects2019 is predicted to be no easier compared to 2018. MNC Bank will face many challenges both internally and externally. Despite many challenges, the prospects for the next year still comes that encourage MNC Bank to work more efficiently, smartly, and be able to utilize the market segments that are targeted by the Bank.
MNC Bank still has good prospects in the upcoming year given the commitment of the large shareholders and the various efforts made by the Directors. 2019 and the years to come are expected to offer the good prospects. The three main things that need to be addressed by the Directors are: 1) Improving business margins, 2) improving the quality of the loan portfolio, and 3) increasing the contribution of branch offices in achieving the Bank’s profitability targets. In addition, the world development of Fintech and banking technology has become one of the prospective lines for the Bank’s profitability.
27Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PAndAngAn ATAS PEningKATAn KuALiTAS SdM dAn TATA KELOLA MNC Bank memberikan perhatian lebih pada peningkatan kualitas sumber daya manusia (SDM) dan Tata Kelola dalam rangka meningkatkan rentabilitas bank secara berkelanjutan. Apresiasi bank kepada SDM didasari pandangan bahwa karyawan merupakan aset paling berharga Bank. Oleh karena itu, berbagai program pelatihan diterapkan untuk peningkatan pengetahuan dan kemampuan sehingga pada akhirnya akan berkontribusi positif pada kinerja bank secara keseluruhan.
Di samping peningkatan kualitas SDM, Bank juga memberikan perhatian lebih pada peningkatan kemampuan dari unit kerja manajemen risiko, audit internal, dan kepatuhan dalam rangka meningkatkan kualitas pengendalian internal. Dengan kualitas tata kelola perusahaan yang lebih baik, maka Bank akan lebih mampu mengelola bisnis dan aset secara lebih hati-hati (prudent) dan memastikan ketaatan terhadap regulasi dari otoritas terkait.
PEruBAhAn KOMPOSiSi dEwAn KOMiSAriS
Berdasarkan Rapat Umum Pemegang Saham (RUPS) Tahunan 2018 yang diselenggarakan pada 31 Mei 2018, MNC Bank melakukan perubahan atas komposisi anggota Dewan Komisaris. RUPS Tahunan 2018 menyetujui untuk mengangkat Ponky Nayarana Pudijanto sebagai Presiden Komisaris Independen, Peter Fajar sebagai Komisaris dan Jeny Gono sebagai Komisaris Independen Bank dengan masa jabatan sampai dengan RUPS Tahunan Bank pada tahun 2021.
Susunan dewan Komisaris per 31 desember 2018 adalah sebagai berikut :
Presiden Komisaris IndependenPonky Nayarana Pudijanto
KomisarisPeter Fajar
Komisaris IndependenJeny Gono
Independent President Commissioner Ponky Nayarana Pudijanto
CommissionerPeter Fajar
Independent CommissionerJeny Gono
Views on QUAlity imProVement of hr AnD GooD corPorAte GoVernAnceMNC Bank gives more attention to improving the quality of human resources (HR) and Corporate Governance in order to increase Bank profitability on an ongoing basis. The Bank’s appreciation to HR is based on the view that employees are the Bank’s most valuable assets. Therefore, various training programs are implemented to increase knowledge and capabilities so that they will ultimately contribute positively to the overall performance of the Bank.
In addition to improve the quality of human resources, the Bank also pay more attention to improve the capabilities of risk management work units, internal audit, and compliance in order to improve the quality of internal controls. Through the quality of better corporate governance, the Bank will manage the business and assets more prudently and more competent thus ensuring the compliance with regulations from the related authorities.
chAnGes in comPosition of BoArD of commissionersBased on the 2018 Annual General Meeting of Shareholders (GMS) held on May 31, 2018, MNC Bank made changes to the composition of the Board of Commissioners members. The 2018 Annual GMS agreed to appoint Ponky Nayarana Pudijanto as Independent President Commissioner, Peter Fajar as Commissioner and Jeny Gono as Bank Independent Commissioner with a term of office up to the Bank’s Annual GMS in 2021.
the composition of the Board of commissioners as of December 31, 2018 is as follows:
28 PT Bank MNC Internasional Tbk.
Jakarta, April 2019Atas nama Dewan Komisaris
On behalf of the Board of Commissioners
Ponky N. PudijantoPresiden Komisaris Independen
Independent President Commissioner
APrESiASiKami mewakili Dewan Komisaris mengucapkan terima kasih kepada nasabah, pemegang saham dan seluruh pemangku kepentingan atas kepercayaan dan dukungan yang diberikan kepada MNC Bank. Kami juga menyampaikan terima kasih dan apresiasi kepada jajaran Direksi, manajemen dan seluruh karyawan atas kinerja dan usahanya untuk memberikan yang terbaik bagi MNC Bank sehingga mampu menghasilkan kinerja yang positif serta menjawab kepercayaan yang telah diberikan kepada Bank. Tidak lupa kami mengucapkan apresiasi kepada Otoritas Jasa Keuangan atas pengawasan dan bimbingan yang telah diberikan kepada MNC Bank.
Dewan Komisaris menyadari bahwa perbankan adalah bisnis yang mengedepankan kepercayaan. Oleh karenanya, kami berkomitmen untuk terus mendukung setiap langkah Direksi dalam melakukan berbagai perbaikan dan penyesuaian dengan berorientasi pada peningkatan rentabilitas serta kepuasan nasabah, pemegang saham, serta seluruh pemangku kepentingan lainnya.
Besar harapan kami agar sinergi yang telah terjalin, dapat terus terjaga untuk meraih rentabilitas yang lebih tinggi serta menjawab ekspektasi nasabah sebagai Bank masa depan yang memberikan pelayanan prima.
APPreciAtionOn behalf of the Board of Commissioners, we would like to thank customers, shareholders and all stakeholders for the trust and support given to MNC Bank. We also express our gratitude and appreciation to the Board of Directors, management and all employees for their performance and efforts to provide the best for MNC Bank so as to generate positive performance and respond to the trust given to the Bank. We would like to express our utmost appreciation to the Financial Services Authority for the supervision and guidance given to the MNC Bank.
The Board of Commissioners realizes that banking is a business that promotes trust. Therefore, we are committed to continually support every step of the Board of Directors in making various improvements and adjustments with an orientation to increasing profitability and satisfaction of customers, shareholders, and all other stakeholders.
Our hope is that the synergy that has been established can be maintained to achieve higher profitability and respond to customer expectation as a future bank that provides excellent service.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
29Laporan Tahunan 2018 Annual Report
KomisarisCommissioner
Presiden Komisaris IndependenIndependent President Commissioner
Komisaris IndependenIndependent Commissioner
PETER FAJAR PONKY N. PUDIJANTO JENY GONO
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
30 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
30 PT Bank MNC Internasional Tbk.
laporan Dewan dIrekSIBoard of Directors Report
Memasuki fase kedua transformasi yaitu Focusing Business, kami menjalankan
kebijakan dan strategi yang berorientasi pada peningkatan nilai perusahaan untuk
pemegang saham (shareholder value) melalui kinerja keuangan maupun non
keuangan. Fokus MNC Bank dituangkan dalam bentuk konsolidasi dan perbaikan-
perbaikan internal dengan memperkuat jaringan distribusi, pengembangan
digitalisasi layanan serta penyempurnaan penerapan Good Corporate Governance.
Entering the second phase of transformation, namely
Focusing Business, we have exercised policies and strategies that are
oriented towards increasing shareholders value by means of financial and non-financial
performances. MNC Bank’s focus is expressed in the
form of consolidation and internal improvements
by strengthening the distribution network,
developing service digitalization and improving the implementation of Good
Corporate Governance.
‘‘
MAHDANPresiden Direktur*/Direktur Kepatuhan
President Director*/Compliance Director
2
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Highlights Management Report Company Profile Management Discussion & Analysis
31Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
31Laporan Tahunan 2018 Annual Report
Pemegang Saham dan Pemangku Kepentingan yang Kami Hormati,
Tahun 2018 merupakan masa awal dari tahap kedua dalam program transformasi MNC Bank yaitu Focusing Business. Berkat konsistensi dalam melakukan konsolidasi serta fokus kepada pemulihan kinerja, MNC Bank kembali meraih hasil positif dengan laba yang meningkat signifikan dibandingkan periode sebelumnya. Hal ini menambah keyakinan kami untuk tidak hanya mempertahankan momentum, tetapi juga meningkatkan kinerja dan memberikan nilai lebih baik bagi pemegang saham maupun segenap pemangku kepentingan.
Implementasi program transformasi berada di jalur yang tepat sehingga rentabilitas MNC Bank semakin baik dan sustainable. Hal tersebut terindikasi dari meningkatnya komposisi dana murah dibandingkan dengan dana mahal (deposito) serta berkurangnya beban bunga, yang pada akhirnya berkontribusi pada peningkatan net interest margin.
KOndiSi PErEKOnOMiAn dAn induSTriPertumbuhan ekonomi global dinilai mengalami perlambatan pada akhir tahun 2018. Perlambatan tersebut tidak terlepas dari berbagai faktor diantaranya melemahnya perdagangan dan manufaktur dunia, masih tingginya ketegangan perdagangan, dan tekanan pasar keuangan di beberapa negara.
Amerika Serikat (AS) yang tengah dalam negosiasi dagang akibat konflik perdagangan dengan Tiongkok, mengalami perlambatan laju pertumbuhan ekonomi menjadi 2,2%. Angka tersebut merupakan revisi ketiga dari rilis pertama Biro Analisis Ekonomi AS yang sebesar 2,9%. Hasil pertumbuhan ekonomi yang dibawah ekspetasi tersebut mengakibatkan the Fed memotong ekspetasi pertumbuhan ekonomi AS di 2019. Disisi lain, perlambatan ekonomi dan tingkat inflasi yang cenderung dapat diprediksi membuat the Fed mempertahankan suku bunga Federal Fund Rate di antara 2,25% hingga 2,5% sepanjang 2019.
Perlambatan pertumbuhan ekonomi juga dialami oleh Tiongkok. Pertumbuhan ekonomi Tiongkok pada 2018 tercatat sebesar 6,6%, yang merupakan laju terendah sejak 1990. Perlambatan tersebut tidak terlepas dari menegangnya perdagangan antara AS dan Tiongkok.
Dear Distinguished Shareholders and Stakeholders,
The year 2018 marked the beginning of phase two of MNC’s Bank transformations, which is focusing on business. Through our consistency in consolidating and focusing on performance recovery, MNC Bank again achieved positive result with significantly increase profits compared to the previous period. This positive result has increased our confidence to not only maintain our momentum, but also improve our performance and provide better value for shareholders and all stakeholders.
The implementation of the transformation program is on the right track. Therefore, the profitability of MNC Bank is better and also more sustainable. This was indicated by the increasing composition of low-cost funds compared to expensive funds (deposits) and reduced interest expenses, which ultimately contributed to the increase in the net interest margin.
economic AnD inDUstriAl conDitionsGlobal economic growth is observed to experiencing a slowdown at the end of 2018. This condition is inseparable from various factors including the weakening of world trade and manufacturing, high trade tensions, and financial market pressures in several countries.
The United States (US), which was in trade negotiation due to trade conflicts with China, experienced a slowdown in economic growth to 2.2%. This number is the third revision from the first release of the US Bureau of Economic Analysis by 2.9%. The results of economic growth that are below expectations have caused the Fed to cut expectations of US economic growth in 2019. On the other hand, the economic slowdown and inflation rate that tends to be predicted make the Fed maintain Federal Fund Rate rates between 2.25% to 2.5% throughout 2019.
China also met the downturn in economic growth. China’s economic growth in 2018 was recorded at 6.6%, the lowest rate since 1990. It was inseparable from the tense trade between the US and China. The growth realization occurred amid the efforts of the Chinese government to deal with the
* Diangkat sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan efektif setelah lulus penilaian kemampuan dan kepatutan OJK. Sampai dinyatakan efektif sebagai Presiden Direktur, yang bersangkutan masih menjabat sebagai Direktur
Kepatuhan.* Appointed as President Director based on EGMS dated March 8, 2019 and effectively serving after passing Financial Service Authority (OJK) fit and proper test. As of being declared effectively serving as President Director, the concerned one has still officiated as.Compliance Director.
32 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Realisasi pertumbuhan ini terjadi di tengah usaha pemerintah Tiongkok untuk menangani perlambatan laju pertumbuhan ekonomi melalui berbagai kebijakan finansial. Diharapkan pemerintah Tiongkok akan mengeluarkan berbagai kebijakan sepanjang 2019 untuk menstimulasi laju pertumbuhan ekonominya kembali.
Perlambatan ekonomi global pada 2018 berdampak pada transaksi ekspor Indonesia yang merupakan sumber pertumbuhan ekonomi nasional. Nilai ekspor Indonesia per Desember 2018 mencapai US$14,18 miliar atau menurun 4,89% dibandingkan November 2018 atau menurun 4,62% dibandingkan Desember 2017. Kondisi tersebut membuat Indonesia mengalami defisit neraca perdagangan sebesar USD 1,10 miliar pada Desember 2018. Dengan demikian sepanjang 2018, neraca perdagangan Indonesia defisit sebesar USD 8,57 miliar. Sementara itu, menurut Badan Pusat Statistik (BPS), inflasi Indonesia per Desember 2018 tercatat 0,62%, dengan keseluruhan inflasi 2018 sebesar 3,13%. Meskipun jumlah inflasi tersebut di atas ekspektasi pasar, namun secara keseluruhan momentum pertumbuhan ekonomi Indonesia tetap terjaga.
Momentum pertumbuhan ekonomi Indonesia terus terjaga sebagaimana tercermin pada pertumbuhan ekonomi Indonesia sepanjang 2018 yang tetap kuat. Sepanjang 2018 ekonomi Indonesia tercatat 5,17% (yoy), meningkat dari 5,07% pada tahun sebelumnya dan merupakan pencapaian tertinggi dalam lima tahun terakhir. Terjaganya momentum tersebut tidak terlepas dari kebijakan moneter serta upaya Pemerintah Republik Indonesia dalam mendorong permintaan domestik.
Stabilnya sistem keuangan dan ekonomi Indonesia juga ditunjang oleh industri perbankan yang memiliki struktur permodalan kuat, likuiditas memadai, dan risiko kredit yang terkendali. Hal tersebut ditunjukkan dari kinerja Bank Umum Konvensional dimana Capital Adequacy Ratio (CAR) perbankan berada di level 22,97%, likuiditas yang memadai dengan LDR sebesar 94,78% serta risiko yang masih terkendali dan dapat ditekan dengan penurunan angka Non-perfoming loan (NPL) gross 2,74% dan NPL nett 1,11%.
LAngKAh STrATEgiS MnC BAnK di TAhun 2018Memasuki fase kedua proses transformasi yaitu focusing business, kebijakan dan strategi MNC Bank berorientasi pada peningkatan nilai perusahaan untuk pemegang saham (sharehoder value) melalui kinerja keuangan maupun non keuangan. Fokus MNC Bank dituangkan ke dalam bentuk konsolidasi dan perbaikan proses-proses internal. Sepanjang tahun 2018, berbagai langkah strategis telah dijalankan dengan memperkuat jaringan distribusi, pengembangan digitalisasi layanan, memperkuat sinergi dengan berbagai unit bisnis MNC Group untuk memberikan nilai lebih bagi nasabah dan Bank, pengembangan sistem teknologi guna menunjang bisnis dan senantiasa
slowing pace of economic growth through various financial policies. Chinese government is expected to issue various policies throughout 2019 for further stimulating the pace of economic growth.
The global economic slowdown in 2018 gave an impact on Indonesia’s export transactions as a source of national economic growth. Indonesia’s export value as of December 2018 reached US $ 14.18 billion or decreased by 4.89% compared to November 2018 or decreased by 4.62% compared to December 2017. This condition made Indonesia underwent a trade balance deficit of USD 1.10 billion in December 2018. Therefore throughout 2018, Indonesia’s trade balance was a deficit of USD 8.57 billion. Meanwhile, according to the Central Statistics Agency (BPS), Indonesia’s inflation as of December 2018 was recorded at 0.62%, with overall inflation in 2018 at 3.13%. Although the amount of inflation was exceeding the market expectation, the overall momentum of Indonesia’s economic growth kept maintained.
The momentum of Indonesia’s economic growth continually maintained as reflected in Indonesia’s economic growth throughout 2018 that remained strong. Throughout 2018, the Indonesian economy recorded by 5.17% (yoy), increasing from 5.07% from the previous year. It was the highest achievement in the last five years. The momentum was kept up due to the monetary policy and the efforts of the Republic of Indonesia Government in pushing the domestic demand.
The stability of Indonesian financial and economic system is also supported by the banking industry that has a strong capital structure, adequate liquidity and controlled credit risk. This is indicated by the performance of Conventional Commercial Banks as banking Capital Adequacy Ratio (CAR) is at 22.97%, adequate liquidity with LDR of 94.78% and risks are still under control and can be reduced by a decrease in numbers of gross non-perfoming loan (NPL) by 2.74% and NPL nett by 1.11%.
mnc BAnk strAteGic stePs in 2018Entering the second phase of the transformation process, which is focusing business, MNC Bank’s policies and strategies were focusing on increasing shareholder value through financial and non-financial performance. The focus of MNC Bank is poured into the form of consolidation and improvement of internal processes. Throughout 2018, various strategic steps have been carried out by strengthening office networks through relocation, restructuring and digitalization of services, strengthen synergy with various MNC Group business units to provide more value to customers and the Bank, development of technology systems to support business and always continue to improve the implementation
33Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
melanjutkan penyempurnaan penerapan good corporate governance. Fokus tersebut diimplementasikan dengan tujuan untuk menjadikan Bank lebih profitable. Dilihat dari tren peningkatan laba operasional bank sepanjang 2018, proses transformasi yang dijalankan dapat dikatakan berada pada jalur yang sesuai.
Tidak bisa dipungkiri bahwa teknologi sudah berkembang dan merambah ke setiap sektor industri termasuk industri perbankan. MNC Bank siap menghadapi kemajuan teknologi dengan terus mengembangkan infrastruktur pendukung bisnis berbasis teknologi digital serta melakukan pengembangan terhadap platform-platform digital yang telah dimiliki antara lain mobile banking, internet banking dan aplikasi punyakartu agar dapat memenuhi kebutuhan pasar yang terus berubah.
Dalam hal konsolidasi jaringan kantor cabang, penataan dan pengembangan jaringan kantor (branch network) dilakukan sebagai kelanjutan dari evaluasi menyeluruh terhadap potensi cabang yang meliputi lokasi, SDM, infrastruktur dan kinerja cabang. Penataan dan pengembangan jaringan kantor dilakukan dengan melakukan relokasi serta peningkatan status cabang agar lebih produktif. Selain itu MNC Bank juga memanfaatkan teknologi digital guna menkonversi layanan kantor cabang ke jaringan elektronik melalui peningkatan mobile banking untuk nasabah individu dan internet banking untuk nasabah korporasi. Selain itu Bank juga meningkatkan kemampuan layanan beberapa aplikasi mobile yang telah diterbitkan pada tahun 2017, antara lain aplikasi punyakrtu, aplikasi mobile kartu kredit yang ditujukan untuk para pengguna kartu kredit Bank dimana nasabah akan mendapatkan informasi transaksi, tagihan dan penawaran spesial. Selaras dengan agenda transformasi di bidang bisnis, kami juga terus meningkatkan kompetensi SDM dan kualitas manajemen risiko sebagai bagian dari tata kelola perusahaan yang baik. Evaluasi secara komprehensif terkait SDM dilakukan secara berkesinambungan agar lebih fokus mendukung sasaran bisnis Bank.
KinErjA TAhun 2018Implementasi strategi MNC Bank tercermin dalam pencapaian kinerja sepanjang tahun 2018. Seperti telah dijelaskan sebelumnya, kami memfokuskan diri untuk meningkatkan laba dan produktivitas Bank. Hasilnya dapat dilihat dari meningkatnya kinerja keuangan secara signifikan dimana pada akhir tahun 2018 telah membukukan laba bersih sebesar Rp 57,02 miliar. Kinerja positif dapat dilihat juga pada beberapa parameter lain seperti Peningkatan Net Interest Margin (NIM) pada Desember 2018 sebesar 4,10% dibanding Desember 2017 sebesar 3,04%. Selain itu Bank juga berhasil melakukan efisiensi operasional tercermin dari Beban Operasional terhadap Pendapatan Operasional Desember 2018 sebesar 93,51% turun signifikan dibandingkan Desember 2017 yang sebesar 180,62%.
of good corporate governance. The focus is implemented with the aim of making the Bank more profitable. Because the bank operating’s profit throughout 2018 was increasing, it can be said that the transformation was on the right track.
It cannot be denied that technology has developed and spread to every industrial sector including the banking industry. MNC Bank is ready to face technological advancements by continuing to develop supporting infrastructure for digital technology-based businesses and developing digital platforms including mobile banking, internet banking and “punyakartu” application to meet the needs of changing market.
In branch office network consolidation, structure and office network development (branch network) are carried out as a continuation of a comprehensive evaluation for potential branches that cover location, HR, infrastructure and branch performance. Arrangement and development of office networks were carried out by relocating and improving branch status to be more productive. In addition, MNC Bank also utilizes digital technology to convert branch office services to electronic networks by increasing the use of mobile banking for individual customers and internet banking for corporate customers. Other than that, the Bank will improve the service capabilities of several mobile applications that was published in 2017, namely punyakartu, a credit card mobile application intended for credit card users where customers will get information, transaction, bills and special offers.
In line with the transformation agenda in the business field, we also continue to improve HR competencies and improving the quality of risk management as part of good corporate governance. Comprehensive evaluation of HR is carried out continuously so that it is more focused on supporting the Bank’s business objectives.
oUr PerformAnce in 2018The implementation of the MNC Bank strategy is reflected in the achievement of performance throughout 2018. As explained earlier, we focus on increasing profits and increasing organizational productivity. The results can be seen from the significant increase in financial performance, which at the end of 2018 posted a net profit of Rp 57.02 billion. Positive performance can also be seen in several other indicators such as net interest margin in December 2018 at 4.10%, an increase from December 2017 which was 3.04%. In addition, the Bank also succeeded in carrying out operational efficiency, which was reflected in the Operational Expenses to Operational Income in December 2018 of 93.51%, significantly decreased from December 2017 which was 180.62%.
34 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
TAnTAngAnTahun 2018 merupakan tahun yang penuh dengan tantangan dan ketidakpastian global dimana hal tersebut mempengaruhi nilai mata uang Rupiah dan berdampak pada konsumsi masyarakat terutama di level menengah kebawah. Sebagai Bank yang fokus pada segmen bisnis Konsumer dan retail, hal tersebut sangat berpengaruh dalam penyaluran kredit.
Tantangan lain di industri perbankan pada tahun 2018 adalah perkembangan industri teknologi financial (Fintech) yang bukan saja berkembang di industri keuangan namun merambah hingga ke sektor perdagangan. Guna bersaing dalam perkembangan Revolusi Industri 4.0, MNC Bank berupaya terus mengembangkan platform-platform digital yang telah dimiliki dan berinovasi menciptakan produk-produk baru yang lebih baik dan inovatif guna meningkatkan pelayanan dan pengalaman perbankan nasabahnya.
PrOSPEK uSAhAKondisi ekonomi makro tahun 2019 relatif masih sama dengan kondisi tahun 2018, dimana kondisi pasar domestik dan isu-isu global memiliki dampak luas terhadap pertumbuhan ekonomi Indonesia. Di dalam negeri sendiri, kondisi politik dan berlangsungnya pemilihan presiden dan legislatif pada tahun 2019, membuat investor masih melihat dan menunggu hasil tersebut. Tantangan lain pada industri perbankan adalah ketatnya likuidasi dikarenakan pertumbuhan kredit masih lebih tinggi dibandingkan pertumbuhan simpanan selain tren kenaikan suku bunga juga menjadi faktor ketatnya likuiditas perbankan. Namun demikian, MNC Bank tetap memandang optimis bahwa masih banyak peluang untuk dapat mengembangkan pertumbuhan bisnis bank secara selektif dengan tetap memperhatikan prinsip kehati-hatian.
Sejalan dengan agenda transformasi MNC Bank yang telah dicanangkan, dalam rangka meningkatkan penetrasi pasar pada segmen konsumer dan retail, kami fokus pada pengembangan infrastruktur kearah bisnis retail yang pada akhirnya akan meningkatkan Net Interest Margin (NIM) dan rentabilitas Bank. Pengembangan infrastruktur dilakukan dengan peningkatan kearah digitalisasi yang saat ini merupakan suatu keharusan di dunia perbankan. Dengan digitalisasi, Bank akan mengikuti perubahan tuntutan nasabah yang sangat penting dalam mempertahankan loyalitas nasabah. Digitalisasi juga dapat digunakan oleh Bank untuk meningkatkan akuisisi nasabah dengan tetap mengedepankan kepatuhan pada ketentuan yang berlaku. Selain persiapan berbagai inisiatif bisnis, penguatan fondasi finansial berupa permodalan serta peningkatan sinergi melalui dukungan MNC Grup juga menjadi pendorong bisnis dan rentabilitas Bank untuk terus meningkat pada masa mendatang.
oUr chAllenGes2018 is a year full of challenges and global uncertainties where it affects the value of the Rupiah and has an impact on public consumption, especially at the lower middle level. As a bank that focuses on the consumer and retail business segments, this affected our loan disbursement.
Another challenge in the banking industry in 2018 is the development of the financial technology industry (Fintech) which has not only developed in the financial industry but has expanded into the trade sector. In order to compete in the development of the Industrial Revolution 4.0, MNC Bank strives to continue to develop the digital platforms it already has and create new and better products to improve the service and banking experience of its customers.
BUsiness oUtlookThe macroeconomic conditions in 2019 are relatively the same as the conditions in 2018, where domestic market conditions and global issues have a broad impact on Indonesia’s economic growth. Within the country, the political conditions and the ongoing 2019 presidential and legislative elections, caused the investors maintain a wait-and-see position, waiting for the results. Another challenge in the banking industry is the tight liquidation because credit growth is still higher than deposit growth and another factor is the rising interest rates. However, MNC Bank continues to be optimistic that there are still many opportunities to develop bank business growth while paying attention to the principle of prudence.
In line with the transformation agenda of MNC Bank, in order to increase market penetration in the consumer and retail segment, we focus on developing infrastructure towards the retail business, which in turn will increase Net Interest Margin (NIM) and Bank retability. Infrastructure development is carried out through increasing digitalization system, which is currently a must in the banking world. Through digitalization, the Bank will adjust in customer demands which is very important in maintaining customer loyalty. Digitalization can also be used by Banks to increase customer acquisition while still prioritizing compliance with applicable regulations. In addition to the preparation of various business initiatives, strengthening the financial foundation in the form of capital and increasing synergy through the support of MNC Group is also a driving force for the Bank’s business and profitability to continue to increase in the future.
35Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KOMiTMEn PAdA TATA KELOLA PEruSAhAAnTata Kelola Perusahaan yang baik atau yang juga dikenal dengan istilah Good Corporate Governance bagi kami bukan sekedar memenuhi kewajiban tetapi sudah menjadi kebutuhan untuk mencapai pertumbuhan bisnis yang berkelanjutan. Komitmen kami pada tata kelola diwujudkan dengan memastikan seluruh aktivitas operasional berjalan sesuai dengan prinsip-prinsip Tata Kelola dan kode etik MNC Bank. Kami berupaya untuk memprioritaskan kepentingan shareholders, regulator ,nasabah dan stakeholder lain.
Pada tahun 2018, manajemen MNC Bank telah melakukan penerapan prinsip Tata Kelola, yang secara umum dinilai cukup baik. Hal ini tercermin dari pemenuhan yang cukup memadai atas prinsip-prinsip Tata Kelola.
MNC Bank secara berkala telah melakukan penilaian sendiri terhadap pelaksanaan Tata Kelola mengacu pada Peraturan OJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola Bagi Bank Umum, SEOJK No.13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum, dan SEOJK No.14/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penilaian Tingkat Kesehatan Bank Umum. Adapun Hasil Penilaian Sendiri untuk semester I dan II tahun 2018 adalah peringkat 3 (Cukup Baik ).
PEruBAhAn KOMPOSiSi dirEKSiSepanjang 2018 susunan Direksi MNC Bank telah mengalami beberapa kali pergantian. Adapun perubahan komposisi Direksi dilaksanakan dalam beberapa Rapat Umum Pemegang Saham Perseroan yang diselenggarakan selama tahun 2018 sebagai berikut:
jumlah dan Komposisi direksi Perseroan Sebelum sebelum dan setelah ruPS Tahunan Tanggal 31 Mei 2018Jumlah dan komposisi Direksi Perseroan sebelum RUPS Tahunan tanggal 31 Mei 2018 yaitu Direksi berjumlah 4 (empat) orang terdiri dari 1 (satu) orang Presiden Direktur dan 3 (tiga) orang Direktur.
commitment to corPorAte GoVernAnceGood Corporate Governance for us is not just fulfilling obligations but has become a necessity to achieve sustainable business growth. We actualize our commitment to GCG by ensuring that all GCG principles and code of ethics are embedded in our operating activities. We strive to prioritize the interests of shareholders, regulators, customers and other stakeholders.
In 2018, MNC Bank management has implemented the principles of Governance, which are generally considered to be quite good. This is reflected through the fulfillment of principles of Governance.
MNC Bank has regularly conducted its own assessment of the implementation of Governance in accordance with OJK Regulation No.55/POJK.03/2016 concerning Implementation of Governance for Commercial Banks, SEOJK No.13/SEOJK.03/2017 concerning Implementation of Governance for Commercial Banks, and SEOJK No.14/SEOJK.03/2017 dated March 17, 2017 concerning Rating of Commercial Bank Soundness. The results of the Self-Assessment for semester I and II of 2018 are ranked 3 (Fair).
chAnGes is BoArD of Directors comPositionThroughout 2018 the composition of MNC Bank’s Directors has undergone several changes. The changes in the composition of the Board of Directors based on the Company’s General Shareholders Meetings held in 2018 are as follows:
total number and composition of company Board of Directors before and after Annual Gms on may 31, 2018
The total number and composition of the Board of Directors of the Company before the Annual GMS on May 31, 2018, are 4 (four) Directors consisting of 1 (one) President Director and 3 (three) Directors.
No NamaName
JabatanPosition
1 Benny Purnomo Presiden DirekturPresident Director
3 Nerfita Primasari DirekturDirector
4 Widiatama Bunarto DirekturDirector
5 Chisca Mirawati Direktur KepatuhanCompliance Director
Tabel Jumlah dan Komposisi Direksi Perseroan sebelum RUPS Tahunan 31 Mei 2018Table of Total number and composition of company Board of directors before Annual gMS on May 31, 2018
36 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Seiring dengan surat pengunduran diri Sdr. Benny Purnomo, Sdri. Nerfita Primasari dan Sdr. Widiatama Bunarto dari jabatan masing-masing selaku Presiden Direktur dan Direktur, dan atas hal tersebut maka sesuai dengan anggaran dasar Perseroan Pasal 13 ayat 7 dimana Perseroan wajib menyelenggarakan RUPS untuk memutuskan permohonan pengunduran diri yang bersangkutan.
Sehubungan dengan hal tersebut, Perseroan menyelenggarakan RUPS Tahunan pada tanggal 31 Mei 2018 dimana telah diputuskan menerima pengunduran diri yang bersangkutan dan menyetujui pengangkatan Sdr. Ageng Purwanto sebagai Presiden Direktur dan Sdri. Rita Montagna Siahaan sebagai Direktur, yang berlaku efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan (Fit and Proper Test).
Dengan demikian Jumlah dan komposisi Direksi Perseroan setelah RUPS Tahunan tanggal 31 Mei 2018 yaitu Direksi berjumlah 3 (tiga) orang terdiri dari 1 (satu) orang Presiden Direktur dan 2 (dua) orang Direktur.
Along with the resignation letter of Mr. Benny Purnomo, Ms. Nerfita Primasari and Mr. Widiatama Bunarto from their respective positions as President Director and Directors, and on this matter it is in accordance with the Articles of Association of Article 13 paragraph 7 where the Company shall covene the GMS to resolve the application for resignation concerned.
In connection with this, the Company held an Annual AGM on May 31, 2018 where it was decided to accept the resignation concerned and approve the appointment of Mr. Ageng Purwanto as President Director and Ms. Rita Montagna Siahaan as Director, which is effective after obtaining approval from the Financial Services Authority for the Fit and Proper Test.
Thus the total and composition of the Board of Directors of the Company after the Annual GMS on May 31, 2018, are 3 (three) Directors consisting of 1 (one) President Director and 2 (two) Directors.
Tabel Jumlah dan Komposisi Direksi Perseroan Setelah RUPS Tahunan 31 Mei 2018Table of the Total and composition of company’s Board of directors After the Annual gMS on May 31, 2018
jumlah dan komposisi anggota direksi Perseroan setelah ruPSLB 20 September 2018 Perseroan kembali menyelenggarakan RUPS Luar Biasa tanggal 20 September 2018 yang mengagendakan perubahan pengurus Perseroan. Salah satu keputusan RUPS adalah menyetujui pengangkatan Sdr. Mahdan dan Sdr. Hermawan sebagai Direktur Perseroan, yang berlaku efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas Penilaian penilaian Kemampuan dan Kepatutan (Fit and Proper Test).
Dengan demikian Jumlah dan komposisi Direksi Perseroan setelah RUPS Luar Biasa tanggal 20 September 2018 yaitu Direksi berjumlah 5 (lima) orang terdiri dari 1 (satu) orang Presiden Direktur dan 4 (empat) orang Direktur.
total number and composition of company Board of Directors after eGms on september 20, 2018The Company held an Extraordinary GMS on September 20, 2018 which scheduled changes to the Company’s management. One of the resolutions of the GMS was to approve the appointment of Mr. Mahdan and Mr. Hermawan as Directors of the Company, which is effective after obtaining approval from the Financial Services Authority for the Fit and Proper Test.
Thus, the total number and composition of the Board of Directors of the Company after the Extraordinary GMS on September 20, 2018, are 5 (five) Directors consisting of 1 (one) President Director and 4 (four) Directors.
No NamaName
JabatanPosition
1 Ageng Purwanto* Presiden DirekturPresident Director
2 Chisca Mirawati Direktur KepatuhanCompliance Director
3 Rita Montagna Siahaan* DirekturDirector
* Efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan (Fit and Proper Test).
* Effective after obtaining approval from the Service Authority Finance for the Fit and Proper Test.
37Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No NamaName
JabatanPosition
1 Mahdan* Direktur KepatuhanCompliance Director
2 Rita Montagna** DirekturDirector
3 Hermawan*** DirekturDirector
Tabel Jumlah dan Komposisi Direksi Perseroan setelah RUPSLB Tahunan 13 Desember 2018Table of Total number and composition of company Board of directors after EgMS on december 13, 2018
* Telah efektif pada tanggal 14 Desember 2018 setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan (Fit and Proper Test).
** Telah efektif pada tanggal 17 Oktober 2018 setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan (Fit and Proper Test).
*** Telah efektif pada tanggal 14 Februari 2019 setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan (Fit and Proper Test).
* Efektif setelah mendapat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan (Fit and Proper Test).
* Effective on December 14, 2018 after obtaining approval from the Service Authority Finance for the Fit and Proper Test.
** Effective on October 17, 2018 after obtaining approval from the Service Authority Finance for the Fit and Proper Test.
*** Effective on February 14, 2019 after obtaining approval from the Service Authority Finance for the Fit and Proper Test.
* Effective after obtaining approval from the Service Authority Finance for the Fit and Proper Test.
jumlah dan Komposisi anggota direksi Perseroan Setelah ruPSLB 13 desember 2018Perseroan kembali menyelenggarakan RUPS Luar Biasa tanggal 13 Desember 2018, dimana dalam RUPS tersebut menyetujui pengunduran diri Sdri. Chisca Mirawati sebagai Direktur Kepatuhan dan selanjutnya menetapkan Sdr. Mahdan yang sebelumnya telah diangkat sebagai Direktur untuk selanjutnya menjadi Direktur yang membawahi fungsi kepatuhan. Keputusan RUPS lainnya adalah membatalkan pengangkatan Sdr. Ageng Purwanto sebagai Presiden Direktur Perseroan, dimana yang bersangkutan mendapatkan tugas baru dalam rangka meningkatkan kinerja dan sinergi antar unit bisnis dalam grup.
Dengan demikian Jumlah dan komposisi Direksi Perseroan setelah RUPS Luar Biasa tanggal 13 Desember 2018 yaitu Direksi berjumlah 3 (tiga) orang terdiri dari 1 (satu) orang Direktur Kepatuhan dan 2 (dua) orang Direktur.
total number and composition of company Board of Directors after eGms on December 13, 2018The Company again held an Extraordinary GMS on December 13, 2018, in which the GMS approved the resignation of Ms.Chisca Mirawati as the Compliance Director and subsequently determined Mr. Mahdan who had previously been appointed as Director to subsequently become Director who oversees the compliance function. Another RUPS decision was to cancel the appointment of Mr. Ageng Purwanto as President Director of the Company, where the concerned gets new assignments in order to improve performance and synergy between business units in the group.
Thus, the total number and composition of the Board of Directors of the Company after the Extraordinary GMS on December 13, 2018, are 3 (three) Directors consisting of 1 (one) Compliance Director and 2 (two) Directors.
Tabel Jumlah dan Komposisi Direksi Perseroan setelah RUPSLB Tahunan 20 September 2018Table of Number and Composition of Members of Company Board of Directors after EGMS on September 20, 2018
No NamaName
JabatanPosition
1 Ageng Purwanto* Presiden DirekturPresident Director
2 Chisca Mirawati Direktur KepatuhanCompliance Director
3 Rita Montagna Siahaan* DirekturDirector
4 Mahdan* DirekturDirector
5 Hermawan* DirekturDirector
38 PT Bank MNC Internasional Tbk.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
PEngEMBAngAn SdM dAn OPErASiOnAL Sumber Daya Manusia yang kompeten dan produktif merupakan modal dasar bagi MNC Bank untuk dapat bertransformasi menjadi Bank yang mampu memberikan layanan keuangan terbaik kepada nasabah seperti tertuang dalam visi dan misi MNC Bank. Human Resource Group memiliki kewajiban dan tanggung jawab untuk membangun Sumber Daya Manusia (SDM) yang tidak hanya kompeten dibidangnya namun juga memiliki budaya dan etos kerja yang tinggi. Melalui pengembangan program Sumber Daya Manusia (SDM) yang berkelanjutan dan pembentukan budaya kerja yang sejalan dengan core values PRIDE; hal tersebut diharapkan membawa dampak positif terhadap pengembangan keseluruhan bisnis MNC Bank.
MNC Bank berkeyakinan bahwa Sumber Daya Manusia (SDM) yang dimilikinya adalah sebagai salah satu bagian terpenting dari organisasi yang harus terus dikembangkan potensinya untuk mampu menjadi individu yang kompeten serta berkualitas secara pribadi dan profesional sehingga mampu berkontribusi aktif di Bank. Pengembangan potensi SDM yang diterapkan MNC Bank difokuskan pada 3 (tiga) kelompok utama yaitu Mandatory (wajib), Leadership (kepemimpinan) Product, Technical, dan Soft Skills. Pengelolaan, dan pengembangan kompetensi Sumber Daya Manusia (SDM) diarahkan pada Good Corporate Governance (GCG), Branch Operations, Service Excellence, pengelolaan manajemen risiko melalui pemenuhan sertifikasi manajemen risiko dan program-program pelatihan dan pengembangan yang sejalan dengan bisnis fokus Bank.
Selanjutnya dalam rangka Penilaian terhadap hasil kerja dari SDM, kami menerapkan mekanisme Penilaian secara sistematis dimana Bank sudah menerapkan penilaian Performance Management System secara objektif dan berkesinambungan. Performance Management terdiri dari penilaian terhadap Shared Goals, Key Performance Indicators (KPI) dan penerapan Cores Value.
Melalui upaya ini, kami percaya bahwa Bank akan mampu mengembangkan talenta yang profesional, ulet dan berintegritas sehingga mampu mengatasi berbagai tantangan untuk mencapai visi dan misi Bank.
hUmAn cAPitAl AnD oPerAtionAl DeVeloPmentCompetent and productive Human Resources are the important components for MNC Bank to be able to transform into a Bank that is able to provide the best financial services to customers, as stated in the MNC Bank’s vision and mission. Human Resource has the obligation and responsibility to build Human Resources (HR) that are not only competent in their field but also have a high work ethic. Through the development of a sustainable Human Resources (HR) program and the establishment of a work culture that is in line with PRIDE core values; we hope it will bring a positive impact on the overall development of the MNC Bank business.
MNC Bank believes that the Human Resources (HR) is the most important parts of the organization and we must continue to develop its potential to become competent and qualified individuals personally and professionally so as to be able to contribute actively to the organization. The development of potential human resources applied by MNC Bank is focused on 3 (three) main groups, namely Mandatory, Leadership and Product, Technical and Soft Skills. Management and development of the competencies of Human Resources (HR) are directed at Good Corporate Governance (GCG), Branch Operations, Service Excellence, and also directed at risk management through the fulfillment of risk management certification and training and development programs that are in line with the Bank’s focused business.
Furthermore, in evaluating the work of HR, we implemented a systematic appraisal mechanism where the Bank has applied the Performance Management System assessment objectively and continuously. Performance Management consists of an assessment of Shared Goals, Key Performance Indicators (KPI) and the application of Cores Value.
Through this effort, we believe that the Bank will be able to develop talents that are professional, resilient and with integrity so as to be able to overcome various challenges to achieve the Bank’s vision and mission.
39Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KOMiTMEn PAdA PEMBAngunAn BErKELAnjuTAnKeberlangsungan usaha MNC Bank tidak lepas dari dukungan masyarakat dan pemangku kepentingan. Untuk itu, Kami senantiasa menjalankan program tanggung jawab sosial dengan empat pilarnya yaitu tanggung jawab lingkungan; ketenagakerjaan, kesehatan dan keamanan kerja; sosial dan kemasyarakatan; serta barang, jasa dan konsumen.
Dalam tanggung jawab terhadap lingkungan, MNC Bank telah melakukan beberapa langkah diantaranya menghemat penggunaan kertas, menghemat penggunaan listrik dan penggunaan bahan bakar minyak.
MNC Bank juga melakukan kegiatan CSR yang tidak terbatas dilakukan oleh MNC Bank. Dalam menjalankan CSR tersebut, Kami berkolaborasi dengan unit bisnis lainnya yang tergabung dalam MNC Group dalam wadah MNC Peduli. Dengan demikian jangkauan penerima manfaat dari kegiatan CSR bisa lebih luas dan Kami bisa lebih efektif memberikan sumbangan atau santunan. Sesuai dengan komitmen Bank terhadap pembangunan berkelanjutan, kami berorientasi memberikan sumbangan kepada mereka yang memiliki sustainability, sehingga tidak hanya asal memberi dan selesai. Selain itu sebagai lembaga keuangan, MNC Bank memiliki tanggung jawab untuk melaksanakan kegiatan edukasi dan literasi dalam rangka peningkatan literasi keuangan kepada masyarakat, dimana kegiatan tersebut dilaksanakan bekerja sama dengan sekolah mulai dari tingkat sekolah dasar sampai dengan Universitas.
Sementara untuk tanggung jawab konsumen, MNC Bank berkomitmen untuk memberikan layanan terbaik kepada setiap nasabah. Bukan hanya dari segi produk tapi juga layanan yang terpercaya, konsisten, aman dan totalitas memenuhi seluruh kebutuhan masyarakat. Hal tersebut di wujudkan dalam bentuk penyediaan layanan call center 24 jam, penyediaan media sosial dan website Bank yang dapat diakses oleh publik untuk memperoleh informasi hingga pengaduan nasabah. Selain itu MNC Bank telah melaksanakan program edukasi dan literasi keuangan agar tingkat literasi finansial dan akses masyarakat terhadap produk dan jasa keuangan meningkat.
commitment to sUstAinABle DeVeloPmentThe support of the communities and stakeholders are indispensable from the MNC Bank’s business continuity. As such, we consistently implement coporate social responsibility programs under four pillars namely environment; occupational health and safety; social and community development as well as goods, services and consumers’ responsibility.
In environmental responsibility, MNC Bank has taken several steps including saving paper use, saving electricity usage and saving the use of fuel.
MNC Bank also conducts unlimited CSR activities carried out by MNC Bank. In carrying out the CSR, we collaborate with other business units that are the members of MNC Group under MNC Peduli. Thus the reach of beneficiaries from CSR activities can be broader and we can provide donations or compensation more effectively. In accordance with the Bank’s commitment to sustainable development, we are oriented to contribute to those who have sustainability, so it is not only giving but it has to have a continuity. In addition, as a financial institution, MNC Bank has the responsibility to carry out education and literacy activities in order to increase financial literacy to the community, where these activities are carried out in collaboration with schools starting from the elementary school up to the College level.
In terms of our responsibility toward consumers, MNC Bank is committed to provide the best services to all customers. We aim at offering excellent products accompanied by trusted, consistent, secured and comprehensive services that meet the customers’ needs. To that end, we have set up 24-hour call center, provide social media contact and official website accessible by the public seeking for certain information or lodging complaints. In addition, MNC Bank delivers financial education and literacy program for the public to enhance their knowledge and awareness of financial products and services.
40 PT Bank MNC Internasional Tbk.
Jakarta, April 2019Atas nama Dewan Direksi
On behalf of the Board of Directors
MahdanPresiden Direktur*/Direktur Kepatuhan
President Director*/Compliance Director
PEnuTuPAkhir kata, atas nama seluruh jajaran Direksi, kami mengucapkan terima kasih kepada seluruh pemangku kepentingan, pemegang saham, nasabah beserta mitra kerja atas dukungan dan kerja sama yang telah terjalin dengan sangat baik hingga saat ini. Kami juga menyampaikan ucapan terima kasih yang setinggi-tingginya kepada Dewan Komisaris yang dengan penuh dedikasi telah menjalankan tugas dan tanggung jawabnya dalam melakukan pengawasan dan memberikan saran dan masukan kepada Direksi dalam menjalankan tugas kepengurusan Bank. Ucapan yang sama serta apresiasi tertinggi saya tujukan kepada manajemen dan semua karyawan MNC Bank yang telah menunjukkan dedikasi, bekerja keras dan memberikan kontribusi dalam pencapaian pertumbuhan selama tahun 2018.
Menyongsong tahun 2019, kami berharap dapat terus bekerja sama menjalin sinergi dalam rangka mendukung pertumbuhan bisnis, kelancaran operasional dan penerapan tata kelola Perusahaan yang baik sesuai dengan visi dan misi Bank yang telah dicanangkan.
conclUsionAt last, on behalf of the entire Board of Directors, we would like to thank all stakeholders, shareholders, customers and partners for the excellent support and cooperation. We also express our highest gratitude to the Board of Commissioners who has dedicatedly carried out their duties and responsibilities in supervising and providing advice and input to the Board of Directors in carrying out the duties to manage the Bank. And also our high appreciation are addressed to the management and all MNC Bank employees who have shown dedication, worked hard and contributed to the achievement throughout 2018.
Looking forward to 2019, we hope to continue to work together to establish synergies in order to support business growth, impecable operations and the implementation of good corporate governance in accordance with the Bank’s.
* Diangkat sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan efektif setelah lulus Penilaian Kemampuan dan Kepatutan OJK. Sampai dinyatakan efektif sebagai Presiden Direktur, yang bersangkutan masih menjabat sebagai DirekturKepatuhan.
* Appointed as President Director based on EGMS dated March 8, 2019 and effectively serving after passing Financial Service Authority (OJK) fit and proper test. As of being declared effectively serving as President Director, the concerned one has still officiated as.Compliance Director.
2
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
41Laporan Tahunan 2018 Annual Report
Presiden Direktur*/Direktur KepatuhanPresident Director*/Compliance Director
DirekturDirector
DirekturDirector
MAHDAN RITA MONTAGNA HERMAWAN
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
surat pernyataan anggota Dewan koMIsarIs Dan DIreksI tentangtanggung jaWaB ataS laporan tahunan 2018 pt Bank mnc InternaSIonal tBk
Kami yang bertanda tangan di bawah ini menyatakan bahwa semua informasi dalam laporan tahunan PT Bank MNC Internasional Tbk tahun 2018 telah dimuat secara lengkap dan bertanggung jawab penuh atas kebenaran isi Laporan Tahunan Perusahaan:
Demikian pernyataan ini dibuat dengan sebenarnya.
Jakarta,April 2019
PONKY N. PUDIjANTOPresiden Komisaris Independen
Independent President Commissioner
jENY GONOKomisaris Independen
Independent Commissioner
PETER FAjARKomisaris
Commissioner
Jakarta,April 2019
stateMent letter froM the boarD of CoMMIssIoners anD DIreCtors regarDIngreSponSIBIlIty for the 2018 annual report of pt Bank mnc InternaSIonal tBk
We, the undersigned, hereby declare that all the information in the 2018 Annual Report of PT Bank MNC Internasional Tbk has been presented in their entirety, and that we assume full responsibility for the accuracy of the contents of this annual report.
This statement is duly made in all integrity.
MAHDANPresiden Direktur*/Direktur Kepatuhan
President Director*/Compliance Director
HERMAWANDirekturDirector
RITA MONTAGNADirekturDirector
* Diangkat sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan efektif setelah lulus penilaian kemampuan dan kepatutan OJK. Sampai dinyatakan efektif sebagai Presiden Direktur, yang bersangkutan masih menjabat sebagai Direktur Kepatuhan.
* Appointed as President Director based on EGMS dated March 8, 2019 and effectively serving after passing Financial Service Authority (OJK) fit and proper test. As of being declared effectively serving as President Director, the concerned one has still officiated as Compliance Director.
profIl peruSahaanCompany Profile
03
46 Identitas PerusahaanCompany Information
48 Riwayat Singkat MNC BANKMNC Bank at a Glance
52 Produk dan JasaProducts and Services
54 Wilayah OperasionalOperational Areas
58 Jejak LangkahMilestones
60 Struktur Organisasi PerusahanOrganization Structure
62 Visi Misi & Nilai PerusahaanVision, Mission & Corporate Culture
64 Profil Dewan KomisarisBoard of Commissioners Profile
67 Profil DireksiBoard of Directors Profile
70 Profil Chief OfficerChief Officer Profile
72 Profil Group HeadGroup Head Profile
72 Informasi Perubahan Pengurus Setelah Tahun Buku BerakhirThe Information of Management Changes After the Ending of Fiscal Year
73 Demografi KaryawanEmployees Demography
74 Realisasi Pelaksanaan Training KaryawanEmployees Training Realization
75 Komposisi Pemegang SahamShareholders Composition
77 Struktur Pemegang SahamShareholders Structure
78 Struktur PerusahaanCorporate Structure
80 Kronologi Penerbitan SahamShares Chronology
82 Kronologi Penerbitan Efek LainOther Stocks Chronology
82 Nama dan Alamat Lembaga dan/atau Profe-si PenunjangName and Address of Supporting Institution and/or Profession
83 Informasi Pada Website PerusahaanCorporate Website Information
84 Penghargaan & SertifikasiAwards & Certifications
85 Pendidikan dan/atau Pelatihan Dewan Ko-misaris, Direksi, Komite-Komite, Sekretaris Perusahaan dan Audit InternalEducation and/or Training of The Board of Commissioners, Board of Directors, Com-mittees, Corporate Secretary and Internal Audit
46 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Nama Perusahaan Company Name
PT Bank MNC Internasional Tbk
Nama Perusahaan SebelumnyaPrevious Name
1990: PT Bank Bumiputera Indonesia2009: PT Bank ICB Bumiputera Tbk
Bidang UsahaLine of Business
Bank Umum dan Bank DevisaCommercial Bank and Foreign Exchange Bank
Tanggal Pendirian Date of Establishment
31 Juli 1989 July 31, 1989
Alamat Kantor PusatHead Office
Gedung MNC FinancialCenter, Lantai 6,7,8. Jl. Kebon Sirih Raya No 27,Jakarta Pusat 10340Telp: +622129805555Fax: +62213983 6700Telex. 65068 JKTBPIA
Website www.mncbank.co.id
Modal Dasar Authorized Capital
Rp6.000.000.000.000 atau 60.000.000.000saham dengan nilai nominal Rp 100 per sahamRp6,000,000,000,000 or 60,000,000,000 shareswith nominal value of Rp 100 per share
Modal Ditempatkan dan Disetor PenuhIssued And Fuly Paid Capital
Rp2.178.505.361.800 atau 21.785.053.618 saham dengan nilai nominal Rp 100 per sahamRp2,178,505,361,800 or 21,785,053,618 shares with nominal value of Rp100 per share
Kepemilikan Ownership
42,73% MNC Kapital Indonesia12,18% MARCO PRINCE CORP45,09% Masyarakat/Public (di bawah 5%/below 5%)
IDentItas peruSahaanCorporate Identity
3
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Highlights Management Report Company Profile Management Discussion & Analysis
47Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tinjauan Operational Tata Kelola PerusahaanTanggung Jawab Sosial Perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
Pencatatan di Bursa Saham Listing on theStock Exchange
Dicatatkan di Bursa Efek Indonesia pada tanggal15 Juli 2002Listed on the Indonesia Stock Exchange on 15 July2002
Kode SahamTicker Code
BABP
Kode SwiftSwift Code
BUMIIDJA
Pusat PanggilanCall Center
Layanan perbankan 24 jam sehari dan 7 hari seminggu -1500188Provides a 24-hour and 7 days a week Banking service - 1500188
Jaringan KantorOffice Network
1 Kantor Pusat/Head Office16 Kantor Cabang/Branch Offices28 Kantor Cabang Pembantu/Sub Branch Offices14 Kantor Kas/Cash Offices83 ATM/ATMS
48 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PT Bank MNC Internasional Tbk (MNC Bank) was established in Indonesia under the name PT Bank Bumiputera Indonesia based on notarial Deed No. 49 dated July 31, 1989 made before notary Sri Rahayu, SH. The Minister of Justice in his Decision Letter No. C-2.7223. HT.01.01.TH.89 dated August 9, 1989 approved the Deed of Establishment and was published in Supplement No. 1917 of the State Gazette of the
rIwayat sIngkat mnc BankMNC Bank at a Glance
PT Bank MNC Internasional Tbk (setelahnya disebut MNC Bank) didirikan di Indonesia dengan nama PT Bank Bumiputera Indonesia berdasarkan akta No 49 tanggal 31 Juli 1989 dari notaris Sri Rahayu, SH. Akta pendirian ini diberlakukan oleh Menteri Kehakiman dalam Surat Keputusan No. C-2.7223.HT.01.01. TH.89 tanggal 9 Agustus 1989 serta diumumkan dalam tambahan No. 1917 dari Berita Negara Republik Indonesia No. 75
49Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
tanggal 19 September 1989. Nama Bank telah mengalami perubahan beberapa kali, yang pada akhirnya menjadi PT Bank MNC Internasional Tbk, berdasarkan akta No. 57 tanggal 16 Juli 2014 dan telah mendapat Persetujuan Menteri Hukum dan Hak Asasi Manusia Republik Indonesia, berdasarkan Surat Keputusan No. AHU-06038.40.20.2014 tanggal 24 Juli 2014. Terjadi beberapa kali perubahan Anggaran Dasar Bank, dengan perubahan terakhir berdasarkan Akta No. 34 yang dibuat dihadapan Notaris Aulia Taufani S.H. dan telah diterima dan dicatat oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan surat No. AHU-AH.01.03-0236298 tanggal 28 Agustus 2018, dan perubahan susunan pengurus terakhir sebagaimana dimuat dalam akta No.64 tanggal 21 Desember 2018 yang dibuat dihadapan Notaris Aulia Taufani S.H notaris di Jakarta, mengenai pernyataan Keputusan Rapat PT Bank MNC Internasional Tbk. Akta perubahan ini telah diterima dan dicatat oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat No. AHU-AH.01.03-0001891 tanggal 3 Januari 2019.
Bank berbasis di Jakarta dan memiliki 16 kantor cabang. Kantor pusat Bank beralamat di Gedung MNC Financial Center Lantai 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 12930, Indonesia. Jumlah rata-rata karyawan Bank masing-masing 955 dan 1.102 karyawan pada tahun 2018 dan 2017.
Tanggal 12 Januari 1990 merupakan titik pertama dimana Bank mulai beroperasi secara komersial, sesuai dengan izin usaha yang diberikan oleh Menteri Keuangan Republik Indonesia dalam Surat Keputusan No. 10/KMK.013/1990 tanggal 4 Januari 1990. Berdasarkan Surat Keputusan Bank Indonesia No. 30/146/KEP/DIR tanggal 5 Desember 1997, Bank telah mendapat persetujuan menjadi bank devisa.
BIDANG USAHABerdasarkan Anggaran Dasar sebagaimana telah dimuat dalam Berita Negara Republik Indonesia No. 56 Tambahan No. 18380/2009 tanggal 14 Juli 2009 pasal 3, cakupan ruang lingkup kegiatan Bank yaitu menjalankan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan perundang-undangan yang berlaku dan melakukan segala penunjang usaha lainnya yang lazim dilakukan oleh Bank sepanjang tidak bertentangan dengan perundang-undangan yang berlaku.
A. Kegiatan Usaha Utama a. Menghimpun dana dari masyarakat dalam bentuk
simpanan berupa giro, deposito berjangka, sertifikat deposito, tabungan dan/atau bentuk lainnya yang dipersamakan dengan itu;
Republic of Indonesia No. 75 dated September 19, 1989. The Bank’s name has been changed several times, most recently to PT Bank MNC Internasional Tbk, based on the Deed of Minutes of the General Meeting of Shareholders No. 57 dated July 16, 2014. The Minister of Law and Human Rights of the Republic of Indonesia in its Decision Letter No. 06038.40.20.2014 dated July 24, 2014 approved this change. AHU-. The Bank’s Articles of Association have been amended several times; with the Deed \ No. 34 made before Notary Aulia Taufani S.H and has been received and recorded by the Minister of Law and Human Rights of the Republic of Indonesia with letter No. AHU-AH.01.03-0236298 dated August 28, 2018, as well as changes to the latest management composition as contained in Deed No.64 dated December 21, 2018 made before Notary Aulia Taufani S.H notary in Jakarta, concerning statement of Meeting Decision of PT Bank MNC Internasional Tbk. The amendment has been received and recorded by the Minister of Law and Human Rights of the Republic of Indonesia with Letter No. AHU-AH.01.03-0001891 dated January 3, 2019. The Bank is officiated in Jakarta and has 16 main branch offices. The Bank’s head office is located at MNC Financial Center levels 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 12930, Indonesia. The Bank had average total number of employees in 2018 and 2017 of 955 and 1,102, respectively.
The Bank commenced its commercial operation on January 12, 1990. It obtained its business license based on the Decree No. 10/ KMK.013/1990 dated January 4, 1990 from the Minister of Finance of the Republic of Indonesia. In accordance with Bank Indonesia Decree No. 30/146/KEP/DIR dated 5 December 1997, the Bank is authorized as a foreign exchange bank.
CORE BUSINESSPursuant to the Articles of Association as published in the Official Gazette of the Republic of Indonesia No. 56 Supplement no.18380/2009 dated July 14, 2009 article 3, the Bank activity scopes are conducting business in the banking sector in line with the applicable laws and regulations as well as carrying out all other business supports commonly conducted by the Bank as far as they do not conflict with applicable laws.
A. Main Business Activities a. Collecting funds from the public in the form of
deposits, including current accounts, time deposits, certificates of deposits, savings and/or other equivalent forms;
b. Memberikan kredit; c. Memindahkan uang baik untuk kepentingan sendiri
maupun untuk kepentingan nasabah; d. Menempatkan dana pada, meminjam dana dari, atau
meminjamkan dana kepada Bank lain, baik dengan menggunakan surat, sarana telekomunikasi maupun dengan wesel unjuk, cek atau sarana lainnya;
e. Melakukan kegiatan dalam valuta asing sesuai dengan ketentuan yang ditetapkan oleh Otoritas Jasa Keuangan.
B. Kegiatan Usaha Penunjang a. Menerbitkan surat pengakuan hutang; b. Membeli, menjual atau menjamin atas risiko sendiri
maupun untuk kepentingan dan atas perintah nasabahnya: i. Surat wesel termasuk wesel yang diakseptasi
oleh Bank yang masa berlakunya tidak lebih lama daripada kebiasaan dalam perdagangan surat dimaksud;
ii. Surat pengakuan hutang dan kertas dagang lainnya yang masa berlakunya tidak lebih lama dari kebiasaan dalam perdagangan surat dimaksud;
iii. Kertas perbendaharaan negara dan surat jaminan pemerintah;
iv. Sertifikat Bank Indonesia (SBI); v. Obligasi; vi. Surat dagang berjangka waktu sampai dengan 1
(satu) tahun; dan vii. Instrumen surat berharga lain yang berjangka
waktu sampai dengan 1 (satu) tahun.c. Menerima pembayaran dari tagihan atas surat
berharga dan melakukan perhitungan dengan atau antar pihak ketiga;
d. Menyediakan tempat untuk penyimpanan barang dan surat berharga untuk kepentingan pihak lain berdasarkan suatu kontrak;
e. Melakukan penempatan dana dari nasabah kepada nasabah lainnya dalam bentuk surat berharga yang tidak tercatat di bursa efek;
f. Membeli agunan baik seluruhnya maupun sebagian, melalui pelelangan atau dengan cara lain, dalam hal debitur tidak memenuhi Kewajibannya kepada MNC Bank, dengan ketentuan agunan yang dibeli tersebut wajib dicairkan secepatnya;
b. Providing credit; c. Transferring money for the Bank or customer interest;
d. Placing funds, lending from, or lending funds to other Banks, either by mail, telecommunications facilities and sight drafts, cheques, or other means,
e. Conducting activity in foreign currencies in accordance with the provisions of Financial Services Authority.
B. Supporting Business Activities a. Issuing debentures; b. Buying, selling and ensuring at its own risk and for
the benefit of and at the order of its customers:
i. Bill receivables including billing receivables that are accepted by the Bank with a validity period no longer than the trade practices for such letters;
ii. Debenture and other trading papers with validity periods no longer than the trade practices for such letters;
iii. Treasury Bills and Government Warranty letters;
iv. Bank Indonesia Certificates; v. Bonds; vi. Trading letters of up to a one-year period;
vii. Marketable securities instruments with up to a one-year period.
c. Accepting the payment of marketable securities and perform calculations with or among third parties;
d. Providing a place to store goods and marketable securities for the interests of other parties pursuant to a contract;
e. Placing funds from customers to other customers in the form of marketable securities that are not listed on a stock exchange;
f. Purchasing collateral either in full or partially, through the auction or otherwise, in the event that the borrowers does not meet its obligation to MNC Bank, provided that the purchased collateral shall be disbursed immediately;
3
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Hilights Management Report Company Profile Analisa & Pembahasan Manajemen
50 PT Bank MNC Internasional Tbk.
Tinjauan Operational Tata Kelola PerusahaanTanggung jawab
Sosial perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
51Laporan Tahunan 2018 Annual Report
g. Melakukan kegiatan anjak piutang, usaha kartu kredit dan kegiatan wali amanat;
h. Melakukan kegiatan penyertaan modal pada Bank atau perusahaan lain di bidang keuangan, seperti sewa guna usaha, modal ventura, usaha kartu kredit, pembiayaan konsumen, Perusahaan efek, asuransi serta lembaga kliring penyelesaian dan penyimpanan, dengan memenuhi ketentuan yang ditetapkan oleh OJK;
i. Melakukan kegiatan penyertaan modal sementara untuk mengatasi akibat kegagalan kredit, dengan syarat harus menarik kembali penyertaannya sesuai dengan ketentuan yang ditetapkan oleh OJK;
j. Bertindak sebagai pendiri dan pengurus dana pensiun sesuai dengan ketentuan dalam peraturan perundangundangan dana pensiun yang berlaku;
k. Melakukan kegiatan lain yang lazim dilakukan oleh Bank sepanjang tidak bertentangan dengan peraturan perundang-undangan yang berlaku.
g. Performing factoring, credit card business and trustee activities;
h. Conducting equity participation activities in Banks or other companies in the areas of finance, such as leasing, venture capital, securities companies, insurance and clearing institutions, settlement and storage by fulfilling provisions as set by Financial Services Authority;
i. Conducting a temporary equity participation to tackle credit default or failure of financing, with the terms to withdraw its investment in line with conditions set by Financial Services Authority;
j. Acting as a founder of a pension fund in accordance with the provisions of prevailing regulations related with pension funds;
k. Performing other Banking activities as allowed by prevailing regulations
52 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
proDuk dan jaSaProducts and Services
PRODUK SIMPANAN Produk Tabungan • Tabungan MNC • Tabungan MNC Junior• Tabungan MNC Bisnis • Tabungan Rencana MNC • Tabunganku Produk Giro • Tabunganku• Giro MNC Rupiah • Giro MNC Valas Produk Deposito
• Deposito MNC Rupiah • Deposito MNC Valas
DEPOSITS Savings Products• Tabungan MNC • Tabungan MNC Junior • Tabungan MNC Bisnis• Tabungan Rencana MNC • Tabunganku Current Accounts • Tabunganku• MNC Rupiah Current Accounts• MNC Foreign Exchange Deposits
Current Accounts• Deposito MNC Rupiah • Deposito MNC Valas
Produk dan Jasa MNC Bank terbagi menjadi 3 (tiga) bagian, yaitu:MNC Bank’s products and services consist of 3 (three) parts namely:
PRODUK PINJAMAN• Kredit Modal Kerja • Kredit Investasi • Kredit Multiguna Tanpa Agunan
(KMG TA) • Kredit Pemilikan Properti (KPP) • KPR Muda MNC Bank• Kredit Konsumsi Beragun Properti
(KKBP) Kartu Kredit • Visa o MNC Visa Gold Card o MNC
Visa Platinum Card • Master Card o Motion Credit Card
LOANS • Working Capital Loans • Investment Loans • Multiguna Unsecured Loans (KMG
TA) • Property Ownership Loans (KPP) • KPR Muda MNC Bank • Property Backed Consumption
Loan (KKBP) Credit Card • Visa o MNC Visa Gold Card o
MNC Visa Platinum Card • Master Card o Motion Credit Card
JASA LAINNYA Jasa Treasury • Foreign Exchange Transaction
(Today, Tom, Spot, Forward, Swap) • Obligasi Retail Produk dan Jasa
Trade Finance • Transaksi Ekspor • Advising L/C • L /C Negotiation• Non-L/C Financing • Transferable Letter of Credit • Discounted Under Usance L/C • Pre-Shipment Financing • Outward Documentary Collection• Transaksi Impor dan Lokal• Penerbitan L/C • Surat Kredit Berdokumen Dalam
Negeri (SKBDN) • Usance Payable at Sight (UPAS) • Post Import Financing (PIF) • Shipping Guarantee • Inward Documentary Collection /
Bill • Collection• Bank Garansi dan Standby L/C
OTHER SERVICES Treasury Service • Foreign Exchange Transaction
(Today, Tom, Spot, Forward, Swap) • Retail Bonds Trade Finance
• Export Transaction • Advising L/C • L /C Negotiation• Non-L/C Financing • Transferable Letter of Credit • Discounted Under Usance L/C • Pre Shipment Financing • Outward Documentary Collection• Import and Local Transactions• L/C Issuance • Local L/C (SKBDN)
• Usance Payable at Sight (UPAS) • Post Import Financing (PIF) • Shipping Guarantee • Inward Documentary Collection /
Bill • Collection• Bank Guarantee and Standby L/C
53Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Layanan Lain • MNC Mobile Banking • MNC eBIZ Banking • Aplikasi punyacelengan • Aplikasi punyakartu • Aplikasi punyarumah • Bancassurance • Western Union • Layanan Elektronik Setoran Penerimaan Negara
ATM MNC Bank menyediakan fasilitas berupa ATM untuk para nasabah dalam memudahkan transaksi menggunakan kartu ATM. Setelah bergabung dalam sistem Gerbang Pembayaran Nasional (GPN), Bank menjalin bekerjasama dengan jaringan ATM Bersama yang menyediakan akses pada lebih dari 77.000 ATM dan jaringan ATM Prima yang memiliki lebih dari 120.000 ATM berlogo PRIMA yang tersebar di seluruh Indonesia.
PELAyAnAn nASABAh MnC BAnK
Nasabah dapat menyampaikan pengaduan melalui: • MNC Bank Call Center di 1500 188,• E-mail: [email protected] atau• Datang langsung ke MNC Bank Kantor Cabang terdekatUntuk menyampaikan pengaduan, Nasabah harus menyiapkan: • Identitas diri (KTP/Paspor)• Kronologis permasalahan• Data/dokumen pendukung seperti antara lain bukti
transaksi, formulir sanggahan, dan lainnyaMNC Bank melalui staffnya: • Menerima pengaduan• Menyampaikan Nomor Pengaduan sebagai referensi
• Memberikan solusi atas permasalahan Nasabah• Memberikan informasi perpanjangan waktu apabila
waktu penanganan pengaduan lebih dari 20 hari kerja• Menyampaikan informasi bahwa pengaduan telah
diselesaikan dengan baik
Other Services • MNC Mobile Banking • MNC eBIZ Banking • “punyacelengan” Apps • “punyakartu” Apps • “punyarumah” Apps • Bancassurance • Western Union • Electronic Services for State Revenue
ATM A facility is provided to MNC Bank’s customers for their convenience in performing transactions with an ATM card. After joining the National Payment Gateway, the Bank cooperates with the ATM Bersama network, which provides access to more than 77,000 ATMs and ATM Prima network that has more than 120,000 ATMs with PRIMA branding spread across Indonesia.
CUSTOMER CARE MNC BANK
Customer can submit their complaints through:• MNC Bank Call Center at 1500 188,• E-mail: [email protected] or• Visit to nearest branchCustomer should submit requirements below :
• Identity card (KTP/passport)• Detail of the problem• Other requirements : transaction receipt, affidavit form
Our staff :• Receive complaints• As reference will provide information about complaint
Ticket Number• Solve the complaints• Provide information about complaints that require
investigation process more than 20 business days.• Provide information that their complaints has been
resolved.
3
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Hilights Management Report Company Profile Analisa & Pembahasan Manajemen
3
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Hilights Management Report Company Profile Analisa & Pembahasan Manajemen
54 PT Bank MNC Internasional Tbk.
3
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Hilights Management Report Company Profile Analisa & Pembahasan Manajemen
wIlayah operaSIonalOperational Map
59 JARINGAN KANTORMenjadi pelopor Bank masa depan yang menyediakan jasa yang unggul dan terkini dengan memanfaatkan teknologi terbaru yang dapat mempermudah transaksi finansial.Becoming a pioneering Bank of the future that provides superior services and stays current by using the latest technologies that ease financial transactions.
3
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Hilights Management Report Company Profile Analisa & Pembahasan Manajemen
Tinjauan Operational Tata Kelola PerusahaanTanggung jawab
Sosial perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
Tinjauan Operational Tata Kelola PerusahaanTanggung jawab
Sosial perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
Tinjauan Operational Tata Kelola PerusahaanTanggung jawab
Sosial perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
Tinjauan Operational Tata Kelola PerusahaanTanggung jawab
Sosial perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
55Laporan Tahunan 2018 Annual Report
WILAYAH OPERASIONAL MNC BANK MELIPUTI:The operational areas of MNC Bank includes:
Medan, BataM-Kepri, peKanBaru, JaMBi, JaKarta, Bogor, Bandung, SeMarang, SuraKarta, YogYaKarta, SuraBaYa, denpaSar, taraKan,
BaliKpapan, SaMarinda dan MaKaSSar.
56 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Nama KantorOffice Name
Kode CabangBranch Code
AlamatAddress
Kode PosPostal Code
No TelepnTelephone Number
Kantor Pusat Non Operasinonal
Gedung MNC Financial Center Lantai 6,7,8 Jl. Kebon Sirih Raya No 27 Jakarta Pusat
10340 02129805555
KC MNC Tower 01204 MNC Tower Lantai 201, GF, B1F, Jl. Kebon Sirih No 17-19 10340 02129805588
KCP Duta Merlin 01002 Jl. Gajah Mada No 3-5 Blok A13-14 Jakarta Pusat 10130 0216322795
KCP Fatmawati 01106 Komp.Duta Mas Blok A1 No.3 Jl. RS Fatmawati 12150 02172798266
KCP Meruya 01401 Rukan Kencana Niaga D1 No2M Jl Tmn Aries 11620 02158907407
KCP Pluit 01300 Jl. Pluit Kencana No 83 Blok Kavling No 7A Jakarta Utara 14440 0216627555
KCP Pondok Indah 01103 Jl Sultan Iskandar Muda ( d/h Jl Arteri ) No. 76 A, Kebayoran Lama
12420 021 7221232
KCP Roxy 01004 Jl. K.H. Hasyim Ashari Blok E 1 No 7, Pusat Niaga Roxy Mas, Jakarta Pusat 10150
10150 02163851707
KCP Soepomo 01100 Graha Alun lt Dasar Jl Prof Soepomo SH No233 12870 0218318762
KCP Tanjung Duren 01006 Jl. Tanjung Duren Raya 90 A Tj Duren Utara 11470 0215685051
KCP Wisma Bumiputera 01001 Wisma Bumiputera, Jl. Jend. Sudirman Kav.75 12910 0215701621
KCP Wolter 01003 Jl. Wolter Monginsidi No.88L Kebayoran Baru 12170 021-2700199
KCP Alam Sutra 01107 Ruko Jalur Sutera Blok 29 D No. 30 Perum Alam Sutera Tangerang
15325 021 29779464
KCP Kelapa Gading 01301 Jl. Boulevard Barat Blok LC6 No.35 14240 0214521369
KCP Pantai Indah Kapuk (PIK) 01407 Ruko The Gallery Blok 8 No. EB, Pantai Indak Kapuk (PIK) 14460 02130051620
KK Taman Palem 01400 Perumahan Taman Palem Lestari Ruko Blok D7 no.27 Cengkareng Jakarta
11730 02122554711
KK Sawah Besar 01200 Jl. Sukaryo Wiryopranoto No. 52 B 10120 02150152751-3
KK Arkadia 01101 Gd Arkadia Tower Jl TB Simatupang 12520 0217827675
KK Bekasi SNK 01202 Jl. Jend. A. Yani Blok A8 No.12A Bekasi 17141 02188854858
KK BSD CITY Sektor VII 01403 BSD City Sektor VII Blok RP No.96 Serpong 15322 0215379177
KK Cikarang 01208 Jababeka Ctrl Business, Jl. Niaga Raya No.2H3 17530 02189840518
KK Depok 01102 Jl. Margonda Raya No.239 RT01/12 Kel Kemiri Muka Kec. Beji Depok
16423 02177213163
KK Gading Serpong 01408 Ruko Alexandrite ALX3 No.31, Gd Serpong 15810 02154214378
KK Kebon Jeruk 01402 Gedung Global TV, Jl. Lapangan Bola Kebon Jeruk 11530 02153667683-85
KK Mangga Dua 01303 Ruko Arkade Belanja Mangga Dua No. 2, Jl. Mangga Dua Raya
10730 02162201233
KK Puri Indah 01008 Ruko Ps Puri Jl Puri Indah Raya Blok A No18 11610 0215808456
KK Sunter 01207 Jl. Danau Sunter Utara Blok C.1 No.3A Sunter 14350 02129460505
KC Surabaya 04002 MNC Tower, Jl. Taman Ade Irma Suryani No. 21, Surabaya 60271 0315310020
KCP JemurSari 04001 Jl. Raya Jemursari No.252E, Prapen 60237 0318483260
57Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Nama KantorOffice Name
Kode CabangBranch Code
AlamatAddress
Kode PosPostal Code
No TelepnTelephone Number
KCP Kertajaya Indah 02901 Jl. Raya Kertajaya Indah No. 61 60116 0315939500
KCP Sungkono 04004 Jl. Mayjen Sungkono No.75 Surabaya 60224 0315687768
KCP Kembang Jepun 04003 Jl. Kembang Jepun No.45, Surabaya 60612 0313551901
KC Nangka Pekanbaru 03001 Pertokoan Mella, Jl.Tuanku Tembusai, PKB 28282 0761572666
KCP Arifin Ahmad 03002 Jl. Arifin Ahmad No. 10, Pekanbaru 28294 0761-8461303
KC Bandung 02001 Jl. Ir. H. Juanda No.62 Bandung 40116 0224265100
KCP Sunda 02003 Jl. Sunda No. 52 B Bandung 40112 0224205242
KCP Banceuy 04901 Jl.Banceuy No.69 Bandung 40111 02285880903
KC Medan 03050 Jl. Kapten Maulana Lubis No. 12, Medan 20112 0614554145
KCP Asia 03054 Jl. Asia No.182 Medan 20214 0617350919
KCP Krakatau 03052 Jl. Gunung Krakatau No. 19 C Medan 20238 0616640411
KK Medan Bandung 03055 Jl. Bandung No 17/82 Medan 20212 0614576163
KC Denpasar 04101 Gedung Indovision Jl Diponegoro No.109 Denpasar 80114 0361244014
KCP Ubud 04102 Jl. Ida Bagus Manik, Br Kutuh Kelod Ubud 80571 0361972835
KCP Singaraja 06903 Komplek Ruko Singaraja Square Blok A 1, Jl. Surapati No. 12, Singaraja, Bali.
81115 0362-3302967
KCP Gatot Subroto 06904 Jl.Gatot Subroto Timur No.279/I Pertokoan Ganesa, Denpasar
80231 03619078203 / 9
KK Tabanan 06905 Jl. Raya By Pass Ir. Soekarno, Kediri Kab. Tabanan 82111 03618311595 / 8
KC Yogyakarta 04121 Jl. P. Mangkubumi No. 113 Yogyakarta. 55223 0274-547547
KCP Brigjend Katamso 07901 Jl. Ibu Ruswo No 61 C Kodya Yogyakarta 55121 0274 557306
KC Balikpapan 04141 Jl. Jend. Sudirman No.327 Balikpapan 76114 0542744881
KC Jambi 03101 Jl. Hayam Wuruk RT 06 No 119 F Kel. Talang Jauh Kec. Jelutung Kota Jambi
36133
KC Batam 03121 Jl. Engku Putri Batam Center, Batam 29461 0778472555
KC Tarakan 04161 Jl. Jend. Sudirman No.02 Kr Balik, Tarakan 77112 00000055136700
KC Semarang 04181 Jl. Pandanaran No.2-6 Semarang 50134 0248312999
KCP Pekalongan 12909 Komplek Ruko KH. Mas Mansyur No. 5 Jl. KH. Mas Mansyur No 30 Bendan, Pekalongan
51119 02854417257
KC Samarinda 04231 Jl. KH. Abul Hasan No.61 Samarinda 75111 0541204642
KC Makassar 04251 Jl. Gunung Bulusaraung, Gaddong, Makassar 90115 04113651551
KC Bogor 01206 Jl. Raya Pajajaran No.41 Ruko No.5 Bogor 16128 02518332234
KCP Tajur 15901 Jl. Raya Tajur No.65 C Tajur , Bogor 16141 02517565526
KC Solo 04271 Jl. Slamet Riyadi No.316 Surakarta 57141 0271733855
58 PT Bank MNC Internasional Tbk.
3
Ikhtisar Operasional Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Operational Hilights Management Report Company Profile Analisa & Pembahasan Manajemen
1990 • PT Bank Bumiputera Indonesia Didirikan• PT Bank Bumiputera was established
2009• Perseroan mengganti
nama menjadi PT Bank ICB Bumiputera Tbk
• The Company changed its name into PT Bank ICB Bumiputera Tbk2005
• Penawaran Umum Terbatas Rp 500 miliar
• Limited Public Offering of Rp500 billion
2002 • Penawaran Umum Perdana• The Company’s IPO
2007• ICB Financial Group Holdings AG sebagai
pemegang saham mayoritas• ICB Financial Group Holdings AG as
majority shareholder
jejak langkahperuSahaanCompany’s Milestones
59Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola PerusahaanTanggung jawab
Sosial perusahaan
Operational Review Good Corporate Governance Corporate Social Responsibility
2014• Penawaran Umum Terbatas Rp 804 miliar• PT MNC Kapital Indonesia sebagai Pemegang
Saham Pengendali• Perseroan mengganti nama menjadi PT Bank
MNC Internasional Tbk• Limited Public Offering of Rp804 billion • PT MNC Kapital Indonesia Tbk as Controlling
Shareholder • The Company’s name changed into PT Bank
MNC Internasional Tbk
2017• Tahun terakhir ‘Tahap Foundation Building’
sebagai bagian dari Program Transformasi MNC Bank
• Inovasi digital peluncuran mobile apps “Punyacelengan”, “Punyakartu” dan “Punyarumah”
• The last year of “Building Foundation State” as part of MNC Bank Transformation Program.
• Digital innovation by launching mobile apps of “Punyacelengan”, “Punyakartu” and “Punyarumah”
2015 • Penawaran Umum Terbatas Rp 409
miliar• Limited Public Offering of Rp409 billion
2016 • Penawaran Umum Terbatas mencapai
sebesar Rp 145 miliar • MNC Bank siap meluncurkan program-
program unggulan• Limited Public Offering reached Rp145
billion • MNC Bank was prepared to launch the
execution of superior programs
2018• Penawaran Umum Terbatas sebesar Rp27
miliar• Memasuki tahap “Focusing the Business”
sebagai bagian dari Program Transformasi MNC Bank
• Peluncuran logo baru.• Limited Public Offering at Rp27 billion• Entering the phase of “Focusing the
Business” as part of MNC Bank’s Transformation Program
• The Launch of new logo
2010• Penawaran Umum Terbatas Rp 500 miliar• Limited Public Offering of Rp150 billion
60 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
board of Commisioners
president Director
Mahdan**
DirectorateIt & operations
Vacant***
DirectorateCompliance
Mahdan
Directoratefinance
hermawan
Directorate hr & gs
aris palembangan
Cebtralized banking & e-Chanel operations group headputu prama widhiasmara
Credit administration group headsusi enita
Information technology group headteddy yusup
financial Control group headsetiyani Diponegoro
Compliance group headbudi setiawan*
human resource group head
Internal audit group headriva yan abdillah
Corporate secretary group headandri latif
business strategy & planing group head
treasury & fixed Income group headwisnu wihandoko
legal group headevira tanuwidjaya
general service group headsanti Irawati*
Credit Committee
It steering Committee
Integrated risk Management Committee
product governance Committee
risk Management Committee
alCo
saM Committee
fraud oversight Committee
accounting & reporting Division headaloysius b. wisnumurti
komite di bawah Direksi/Committees under the board of Directors
struktur organISaSIOrganization Structure
* Bergabung Setelah 1 Januari 2019* Joined After January 1, 2019** Diangkat sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan efektif setelah lulus penilaian kemampuan dan kepatutan OJK. Sampai
dinyatakan efektif sebagai Presiden Direktur, yang bersangkutan masih menjabat sebagai Direktur Kepatuhan.** Appointed as President Director based on EGMS dated March 8, 2019 and effectively serving after passing Financial Service Authority (OJK) fit and proper
test. As of being declared effectively serving as President Director, the concerned one has still officiated as Compliance Director.*** Operations Plt Rita Montagna, IT Plt Mahdam*** Operations Plt Rita Montagna, IT Plt Mahdam
61Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Directorate risk
Zainudin samaludin
Directorate Consumer business
budy setiawan
Directorate funding & Distribution
rita Montagna
Directorate Comercial business
Vincentia M. Djuni wijaya
special asset Management group headIwan Ismanto
Multifinance business group headDian Irawan
sMe productgroup head
Middle office Division head
Marketing Comunicationgroup headVincentius riza westika Dewanto
Customer experience Division headDiah pandasari
risk Management group headarief budianto
Implant bankinggroup headMuhamad aria pratama
wholesale & sMe Credit review group head
Card businessgroup headagus C. hadiwinoto
small Medium enterprise (sMe)group head
funding productgroup headIrving Ignatius paul luntungan
Consumer Credit review group headjimmy suherman*
Mortgage businessgroup headagus C. hadiwinoto
wholesale bankinggroup head
sales & Distributiongroup headong wijaya*
bussiness operational risk group headM. Didi suatmadijaya
nomination &remuneration Committee
Integrated governanceCommittee
audit Committee
risk oversight Committee
dIVISIon head
komite Dibawah komisaris/komite Dibawah komisaris
group head
board of Commisioners
president Director
It & operations Director
Compliance Directory
finance Directory
special asset Management
(saM) Directory
wholesale & sMe Credit review group head
Cebtralized banking & e-Chanel operations group headCredit administration group head
Information technology group head
financial Control group head
Compliance group head
special asset Management group head
Internal audit group head
treasury & fixed Income group head
Corporate secretary group head
business strategy & planing group head
legal group head
special asset Management support
risk Management group head
hr & ga Directorfunding Director
Consumer lending Director
funding & lending Director
human resource group head
bussiness operational risk group head
product group head
Consumer Credit group head
small Medium enterprise (sMe) group head
general service group head
Customer experience Division head
sales & Distribution group head
Card business group head
wholesale banking group head
Mortage business group head
Marketing Communication group head
Middle office Division head
Multifinance business group head
Implant banking group head
accounting & reporting Division headaloysius b. wisnumurti
Guna mendukung peningkatan kualitas layanan serta mempertahankan momentum kinerja positif, MNC Bank mengadaptasikan struktur organisasi yang lebih efisien dan efektif dalam merespon perubahan untuk memperkuat bisnis bank. Untuk itu per tanggal 1 Januari 2019 Direksi menetapkan struktur organisasi baru berdasarkan keputusan no: Surat Keputusan Direksi PT Bank MNC Internasional Tbk no. SKEP-006/MNCB/DIR/12/2018.
To support the improvement of service quality and maintain a positive performance momentum, MNC Bank adapts a more efficient and effective organizational structure in responding to changes to strengthen the bank’s business. Thus, as of January 1, 2019 the Board of Directors sets a new organizational structure based on Decree of the Board of Directors of PT Bank MNC International Tbk no. SKEP-006/MNCB/DIR/12/2018.
Struktur organisasi yang berlaku hingga 31 Desember 2018Organization chart that valid until December 31, 2018
62 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
VIsI, MIsI dan nIlaI peruSahaanVision, Mission & Corporate Value
Menjadi Bank masa depan yang memberikan layanan bintang lima, yang mengikuti gaya hidup nasabah berlandaskan teknologi terkini dan membuat semua transaksi keuangan menjadi mudah
Becoming a future Bank that provides five-rate services and meets customers’ lifestyle by using the latest technologies that simplify financial transactions.
MNC Bank offers modern and convenient financial services that simplify the customers’ life of any income level and of any size or type of business by delivering service excellence through both conventional and electronic channels
MNC Bank menawarkan layanan keuangan yang sesuai gaya hidup dengan membuat hidup nasabah menjadi lebih mudah, untuk nasabah retail dengan segmen menengah ke atas, termasuk di dalamnya para usaha kecil dan menengah, dengan memberikan pengalaman layanan perbankan yang memuaskan melalui cabang dan electronic channels
V
m
ViSi / Vision
MiSi / mission
63Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
buDaya peruSahaanCorporate Culture
Passion to Perform:Semangat untuk Memberikan Hasil Kerja yang terbaikPassion to Provide the Best Work Results
• PassiontoPerform tingkah laku karyawan dalam melakukan
pekerjaannya dengan antusias, kreatifitas, fokus, mengerti dan melakukan pekerjaan dengan sangat baik
Employees’ behavior in conducting their work with enthusiasm, creativity, focus, understanding and excellence
• RelationshipBuilding Bagaimana karyawan membina hubungan dengan
individu lainnya baik dalam tim maupun tidak. The way employees build relationship with other
individuals, both within the team and outside the team
• InnovationwithIntegrity Keinginan karyawan untuk berinovasi, memberikan
ide dan masukan The employees’ desire to innovate, deliver ideas and
inputs
• DeliverywithDelight Komitmen dan profesionalisme karyawan dalam
menjalankan tanggung jawab untuk menghasilkan layanan yang terbaik.
Employees’ commitment and professionalism in taking their responsibility in work to provide best services.
• EmpowermentforProgress Bagaimana karyawan dapat memberikan
perpanjangan tangan atas tanggung jawab yang diberikan dengan transparan, adil dan mudah dimengerti
The way employees can become an extension of responsibility with transparency, fairness and good understanding.
MnC Bank mempunyai satu core value yang terinternalisasi dalam setiap aktivitas karyawan yang dijelaskan dalam table di bawah ini MNC Bank has an internalized core value in every activity of the employees. The core value is further explained below
Relationship Building:Membangun Hubungan yang Harmonis dengan Seluruh StakeholderBuilding the harmonious relationships with all stakeholders
Innovation with Integrity:Melakukan inovasi dan terobosan- terobosan Baru yang terukur dengan penuh integritasInnovating and Measuring New Breakthroughs with Full Integrity
Delivery with Delight:Menghasilkan Kinerja yang Memuaskan para StakeholderProducing Satisfactory Performance for Stakeholders
Empowerment for Progress:Memberdayakan Sumber daya Secara Maksimal dan Bertanggung JawabEmpowering Resources Maximally and Responsibly
prIde
niLAi inTi / COrE VALuES
64 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PONKY N. PUDIJANTOPresiden Komisaris Independen
Independent President Commissioner
64 PT Bank MNC Internasional Tbk.
Riwayat PendidikanBeliau menyelesaikan Program Strata 1 dibidang studi Akuntansi dari Universitas Indonesia, Jakarta tahun 1985.
Riwayat Jabatan Beliau diangkat sebagai Presiden Komisaris PT Bank MNC Internasional Tbk berdasarkan RUPS Tahunan tanggal 31 Mei 2018 dan efektif menjabat berdasarkan surat Otoritas Jasa Keuangan (OJK) no.SR-92/PB.121/2018 tanggal 19 September 2018.
Beliau juga menjabat sebagai Anggota Komite: • Ketua merangkap anggota Komite Audit• Ketua merangkap anggota Komite Remunerasi dan
Nominasi• Anggota Komite Pemantau Risiko
Saat ini beliau tidak menjabat di perusahaan lain.
Pengalaman Kerja Beliau Memulai karir di Citibank,N.A sejak tahun 1990 sampai dengan 2000 dengan berbagai posisi yang pernah dijabat antara lain Asisten Manager Internal Audit, Manager Customer Service Relation, AVP Collections dan VP Total Quality. Melanjutkan karir di PT Bank Danamon Tbk sebagai Senior Vice Presiden Operations dari tahun 2000 – 2002. Melanjutkan karir di American Express Bank pada tahun 2002 sampai dengan 2008 sebagai ASEAN Region Compliance Officer. Selanjutnya Tahun 2008-2009 menjabat sebagai Compliance Head pada PT Bank Permata Tbk. Terakhir menjabat sebagai Direktur Kepatuhan dan SDM pada PT Rabobank Internasional Indonesia sejak 2009 sampai dengan 2017, sebelum diangkat sebagai Presiden Komisaris PT Bank MNC Internasional Tbk berdasarkan RUPS Tahunan tanggal 31 Mei 2018.
Pendidikan/Pelatihan Tahun 2018 Dapat dilihat pada halaman 222 Hubungan Afiliasi Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, maupun dengan anggota Direksi, atau dengan pemegang saham utama.Hal…
Educational backgroundHe finished the Undergraduate Program in Accounting studies from the University of Indonesia, Jakarta in 1985.
Position HistoryHe was appointed as President Commissioner of PT Bank MNC Internasional Tbk based on the Annual General Meeting of Shareholders dated May 31, 2018 and effectively served based on the letter of the Financial Services Authority (OJK) no.SR-92 / PB.121 / 2018 dated September 19, 2018.
He also serves as a Committee Member:• Chairman and member of the Audit Committee • Chairman and member of the Remuneration and
Nomination Committee • Member of Risk Oversight Committee At present he is not serving in another company.
Professional experienceHe began his career at Citibank, N.A from 1990 to 2000 holding various positions, including Assistant Manager of Internal Audit, Customer Service Relations Manager, AVP Collections and VP Total Quality. He continued his career at PT Bank Danamon Tbk as a Senior Vice President of Operations from 2000 - 2002. He moved on his career at American Express Bank in 2002 to 2008 as the ASEAN Region Compliance Officer. Then in 2008-2009 he served as Compliance Head at PT Bank Permata Tbk. He last served as Director of Compliance and HR at PT Rabobank International Indonesia from 2009 to 2017, before being appointed as President Commissioner of PT Bank MNC International Tbk based on the Annual GMS on May 31, 2018.
Workshops/Training Sessions in 2018: Can be viewed on page 222
Affiliate Relations He does not have any affiliations with fellow members of the Board of Commissioners, or members of the Board of Directors, nor with the ultimate shareholders.Page…
profIl Dewan komISarISBoard of Commissioners Profile
Warga Negara Indonesia, usia 57 tahun, berdomisili di Indonesia an Indonesian citizen, age 57, domiciled in Indonesia
65Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PETER FAJARKomisaris
Commissioner
65Laporan Tahunan 2018 Annual Report
Riwayat Pendidikan Beliau menyelesaikan Master of Business Administration, Finance & Commercial Banking Faculty di Texas A&M University pada tahun 1993.
Riwayat Jabatan Beliau diangkat sebagai Komisaris PT Bank MNC Internasional Tbk berdasarkan RUPS Tahunan tanggal 31 Mei 2018 dan per 14 Desember 2018 efektif menjabat setelah dinyatakan lulus penilaian kelayakan dan kepatutan OJK melalui surat No. SR-279/PB.12/2018 tanggal 14 Desember 2018.
Beliau juga menjabat sebagai Anggota Komite: • Anggota Komite Remunerasi dan Nominasi• Anggota Komite Pemantau Risiko
Pengalaman Kerja Awal karir beliau dimulai di Prijohandoyo & Boentoro Strategic Consulting tahun 2001 – 2002 sebagai Corporate Finance Advisory. Melanjutkan karir di PT Putra Sumber Utama Timber sebagai Corporate Finance & Treasury Head dari tahun 2002 – 2006. Melanjutkan karir di EcoSecurities Plc tahun 2007 – 2008 sebagai Head of Investment and Risk Management for CDM Project. Selanjutnya Tahun 2009 menjabat sebagai CDM Senior Manager and Head of Investment and Additionality for CDM Development pada South Pole Carbon Asset Management. Tahun 2009 sampai dengan 2012 menjabat sebagai Direktur pada PT Helios Capital. Bergabung dengan PT Bank MNC Internasional Tbk sejak diangkat sebagai Komisaris Independen Perseroan berdasarkan RUPS Tahunan tanggal 31 Mei 2018.
Saat ini beliau menjabat sebagai SVP Head of Corporate Finance pada PT MNC Investama Tbk.
Pendidikan/Pelatihan Tahun 2018 Dapat dilihat pada halaman 222 Hubungan Afiliasi Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, maupun dengan anggota Direksi, atau dengan pemegang saham utama.
Educational backgroundHe finished his Master of Business Administration, Finance & Commercial Banking Faculty at Texas A & M University in 1993.
Position HistoryHe was appointed as Commissioner of PT Bank MNC International Tbk based on the Annual General Meeting of Shareholders dated May 31, 2018 and as of December 14, 2018 effective office after being declared to have passed the fit and proper test of OJK by letter No. SR-279 / PB.12 / 2018 dated December 14, 2018.
He also serves as a Committee Member:• Member of Remuneration and Nomination Committee • Member of Risk Oversight Committee
Professional ExperienceHis early career began in Prijohandoyo & Boentoro Strategic Consulting in 2001 - 2002 as a Corporate Finance Advisory. He continued his career at PT Putra Sumber Utama Timber as Corporate Finance & Treasury Head from 2002 – 2006 and at EcoSecurities Plc in 2007 - 2008 as Head of Investment and Risk Management for CDM Project. Then in 2009 he served as CDM Senior Manager and Head of Investment and Additionality for CDM Development at South Pole Carbon Asset Management. From 2009 to 2012 he served as Director at PT Helios Capital. He joined PT Bank MNC Internasional Tbk since he was appointed the Company’s Independent Commissioner based on the Annual GMS dated May 31, 2018.
He currently serves as SVP Head of Corporate Finance at PT MNC Investama Tbk.
Education / Training in 2018Can be seen on the page 222 Affiliate RelationsHe has no affiliation with other members of the Board of Commissioners, nor with members of the Board of Directors, or with major shareholders.
Warga Negara Indonesia, usia 49 tahun, berdomisili di Indonesia Indonesian citizen, age 49, domiciled in Indonesia
66 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
JENY GONOKomisaris Independen
Independent Commissioner
Riwayat Pendidikan Beliau menyelesaikan Program Pendidikan Strata 1 bidang studi Akuntansi di Universitas Trisakti pada tahun 1991.
Riwayat Jabatan Beliau diangkat sebagai Komisaris Independen PT Bank MNC Internasional Tbk berdasarkan RUPS Tahunan tanggal 31 Mei 2018 dan per 14 Desember 2018 efektif menjabat setelah dinyatakan lulus penilaian kelayakan dan kepatutan OJK melalui surat No. SR-279/PB.12/2018 tanggal 14 Desember 2018.
Beliau juga menjabat sebagai Anggota Komite: • Ketua meranggkap anggota Komite Pemantau Risiko• Anggota Komte Audit
Pengalaman Kerja Beliau memulai karir sebagai Audit Manager di Kantor Akuntan Publik Arthur Andersen pada tahun 1991 – 1995. Melanjutkan karir di Bank BIRA dari tahun 1996 - 1998 sebagai Head of Audit Division dan Head of Accounting & Finance Division. Melanjutkan karir di Standard Chartered Bank pada tahun 1998 – 2003 dengan posisi terakhir menjabat sebagai acting CFO. Selanjutnya Tahun 2003 – 2005 menjabat sebagai Financial Controller pada PT Marsh Indonesia. Melanjutkan karirnya kembali di perbankan pada Tahun 2005 sampai dengan 2015 pada PT Bank DBS Indonesia dengan posisi terakhir menjabat sebagai COO (Chief Operating Officer). Menjabat sebagai Komisaris independen PT U Finance Indonesia sejak dinyatakan lulus penilaian kelayakan dan kepatutan OJK efektif Oktober 2015. Bergabung dengan PT Bank MNC Internasional Tbk sejak diangkat sebagai Komisaris Independen Perseroan berdasarkan RUPS Tahunan tanggal 31 Mei 2018.
Rangkap Jabatan Tidak ada rangkap jabatan
Pendidikan/Pelatihan Tahun 2018 Dapat dilihat pada halaman 222 Hubungan Afiliasi Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, maupun dengan anggota Direksi, atau dengan pemegang saham utama.
Educational backgroundHe finished his Education Study Program in Accounting at Trisakti University in 1991.
Position HistoryHe was appointed as an Independent Commissioner of PT Bank MNC International Tbk based on the Annual General Meeting of Shareholders on May 31, 2018 and as of December 14, 2018, effective office after being declared to have passed the OJK fit and proper test by letter No. SR-279 / PB.12 / 2018 dated December 14, 2018.
He also serves as a Committee Member:• Chairman and member of the Risk Oversight Committee • Member of the Audit Committee
Professional ExperienceHe began his career as an Audit Manager at Arthur Andersen Public Accounting Office in 1991-1995. He continued his career at Bank BIRA from 1996 - 1998 as Head of Audit Division and Head of Accounting & Finance Division. He continued his career at Standard Chartered Bank in 1998-2003 with his last position serving as acting CFO. Furthermore, in 2003-2005, he served as Financial Controller at PT Marsh Indonesia. Then his career moved on to banking industry from 2005 to 2015 at PT Bank DBS Indonesia with his last position as COO (Chief Operating Officer). He served as an independent Commissioner of PT U Finance Indonesia since it was declared to have passed the OJK due diligence and compliance test effective October 2015. He joined PT Bank MNC Internasional Tbk since he was appointed as the Company’s Independent Commissioner based on the Annual GMS dated May 31, 2018.
Concurrent PositionsHe does not hold concurrent positions
Education / Training in 2018Can be seen on the page 222 Affiliate RelationsHe has no affiliation with other members of the Board of Commissioners, nor with members of the Board of Directors, or with major shareholders.
Warga Negara Indonesia, usia 48 tahun, berdomisili di Indonesia Indonesian citizen, age 48, domiciled in Indonesia
67Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
profIl Dewan dIrekSIBoard of Directors Profile
MAHDANPresiden Direktur*/Direktur Kepatuhan
President Director*/Compliance Director
Riwayat Pendidikan Beliau meraih gelar Master Akutansi di Universitas Indonesia pada tahun 2010.
Riwayat Jabatan *Beliau diangkat sebagai Presiden Direktur PT Bank MNC Internasional Tbk berdasarkan RUPSLB tanggal 8 Maret 2019 dan baru akan efektif setelah dinyatakan lulus penilaian kelayakan dan kepatuhan dari OJK. Sampai dengan dinyatakan lulus penilaian kelayakan dan kepatutan dari OJK, beliau masih menjabat sebagai Direktur Kepatuhan MNC Bank sejak 14 Desember 2018 setelah dinyatakan lulus penilaian kelayakan dan kepatutan OJK melalui surat No. SR-279/PB.12/2018 tanggal 14 Desember 2018.
Rangkap Jabatan Tidak ada rangkap jabatan
Pengalaman Kerja Beliau memulai berkarir sebagai Auditor di KAP Amir Abadi Jusuf (AAJ) pada 1987, kemudian sebagai Auditor di KAP Arthur Young (kini E.Y) sampai Maret 1990. Sejak tahun 1990 sampai dengan 2014 menjabat berbagai posisi di industri perbankan mulai dari Citibank, HSBC, BoT Mitsubishi - UFJ, dan terakhir di DBS Indonesia sebagai Direktur Kepatuhan. Sejak 2014 bergabung dengan MNC Group sebagai Head of Internal Audit di PT Global Mediacom Tbk, kemudian Juli 2018 bergabung sebagai Head of Internal Audit di PT MNC Investama Tbk hingga 19 September 2018. Sejak 2018 bergabung dengan PT Bank MNC Internasional Tbk dan diangkat sebagai Direktur berdasarkan RUPSLB MNC Bank tanggal 20 September 2018 sebagai Direktur.
Pendidikan/Pelatihan Tahun 2018 Dapat dilihat pada halaman 231 Hubungan Afiliasi Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan Komisaris, atau dengan pemegang saham utama.
Educational backgroundHe earned a Master in Accounting at the University of Indonesia in 2010.
Position HistoryHe was appointed as President Director of PT MNC Internasional Tbk based on EGMS dated March 8, 2019 and will be effectively serving after being declared to have passed OJK fit and proper test. As of passing OJK fit and proper test, he has been still serving as Compliance Director of MNC Bank since December 14, 2018 after being declared to have passed OJK fit and proper test through a letter No. SR-279 / PB.12 / 2018 dated December 14, 2018.
Concurrent PositionsHe does not hold concurrent positions
Professional ExperienceProfessional ExperienceHe commenced his career as an Auditor at Amir Abadi Jusuf (AAJ) Public Accounting Firm in 1987 and as an Auditor at Arthur Young (recently E.Y) until March 1990. Since 1990 until 2014, he officiated several positions in banking industry, such as Citibank, HSBC, BoT Mitsubishi – UFJ, and lastly, DBS Indonesia as a Compliance Director. Since 2014, he has joined MNC Group as Head of Internal Audit at PT Global Mediacom Tbk, and since July until September 19, 2018, he has joined PT MNC Investama as a Head of Internal Audit. Since 2018, he has joined PT Bank MNC Internasional Tbk and has been appointed as a Director based on EGMS of MNC Bank dated September 20, 2018 as Director.
Education / Training in 2018Can be seen on the page 231 Affiliate RelationsHe has no affiliation with other members of the Board of Directors, nor with members of the Board of Commissioners, or with major shareholders.
55 tahun, Warga Negara Indonesia. Compliance Director 55 years old, Indonesian citizen.
* Diangkat sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan efektif setelah lulus penilaian kemampuan dan kepatutan OJK. Sampai dinyatakan efektif sebagai Presiden Direktur, yang bersangkutan masih menjabat sebagai Direktur Kepatuhan.
* Appointed as President Director based on EGMS dated March 8, 2019 and effectively serving after passing Financial Service Authority (OJK) fit and proper test. As of being declared effectively serving as President Director, the concerned one has still officiated as.Compliance Director.
68 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
RITA MONTAGNADirektur Director
Riwayat Pendidikan Beliau Menyelesaikan Program Pendidikan bidang studi Psikologi di Universitas Indonesia pada tahun 1990.
Riwayat Jabatan Beliau diangkat sebagai Direktur PT Bank MNC Internasional Tbk berdasarkan RUPS Tahunan tanggal 31 Mei 2018 dan per 17 Oktober 2018 efektif menjabat setelah dinyatakan lulus penilaian kelayakan dan kepatutan OJK melalui surat No. SR-228/PB.12/2018 tanggal 17 Oktober 2018.
Rangkap Jabatan Tidak ada rangkap jabatan
Pengalaman Kerja Beliau Memulai karir di PT Gramedia Multi Utama sejak tahun 1990 sampai dengan 1996 sebagai Training and Development Assistant Manager. Melanjutkan karir di PT Cakra Sarana Persada dari tahun 1996 – 2000 dengan menduduki jabatan sebagai Human Resources & General Affair Manager. Selanjutnya berkarir di Badan Penyehatan Perbankan Nasional (BPPN) sebagai AVP Human Resources Division sejak tahun 2000 – 2003. Melanjutkan karirnya di PT Bank Mutiara Tbk (kini PT Bank JTrust Indonesia Tbk) pada tahun 2003 sampai dengan 2015 dengan posisi terakhir SVP Retail & Corporate Funding Division Head. Sejak 2015 bergabung dengan PT Bank MNC Internasional Tbk sebagai Funding Business Head hingga diangkat sebagai Direktur pada RUPS Tahunan berdasarkan RUPS Tahunan tanggal 31 Mei 2018.
Pendidikan/Pelatihan Tahun 2018 Dapat dilihat pada halaman 231 Hubungan Afiliasi Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan Komisaris, atau dengan pemegang saham utama.
Educational backgroundShe completed his Education Program in Psychology at the University of Indonesia in 1990.
Position HistoryShe was appointed as Director of PT Bank MNC International Tbk based on the Annual General Meeting of Shareholders on May 31, 2018 and as of October 17, 2018, effective office after being declared to have passed the fit and proper test of OJK by letter No. SR-228 / PB.12 / 2018 dated October 17, 2018.
Concurrent PositionsShe does not have concurrent positions
Professional ExperienceShe began his career at PT Gramedia Multi Utama from 1990 to 1996 as a Training and Development Assistant Manager. She continued his career at PT Cakra Sarana Persada from 1996 - 2000 by holding positions as Human Resources & General Affair Manager. Furthermore, he worked in the National Bank Restructuring Agency (IBRA) as an AVP Human Resources Division from 2000 - 2003. She then moved on his career at PT Bank Mutiara Tbk (now PT Bank JTrust Indonesia Tbk) in 2003 to 2015 with the last position SVP Retail & Corporate Funding Division Shead. Since 2015 he joined PT Bank MNC Internasional Tbk as a Funding Business Shead until he was appointed as Director at the Annual GMS based on the Annual GMS on May 31, 2018.
Education / Training in 2018 Can be seen on the page 231 Affiliate RelationsShe has no affiliation with other members of the Board of Directors, nor with members of the Board of Commissioners, or with major shareholders.
52 tahun, Warga Negara Indonesia. 52 years old, Indonesian citizen.
69Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
HERMAWANDirektur Director
Riwayat Pendidikan Beliau meraih gelar Sarjana Ekonomi di Unika Atmajaya pada tahun 1991.
Riwayat Jabatan Beliau diangkat sebagai Direktur PT Bank MNC Internasional Tbk berdasarkan RUPSLB tanggal 20 September 2018 dan per 14 Februari 2019 efektif menjabat setelah dinyatakan lulus penilaian kelayakan dan kepatutan OJK melalui surat No. SR-47/PB.12/2019 tanggal 19 Februari 2019.
Rangkap Jabatan Tidak ada rangkap jabatan
Pengalaman Kerja Beliau memulai karir sebagai Audit Senior & Tax Consultant, RSM International (KAP AAJ Associates) di tahun 1996-1997, kemudian sebagai Audit Supervisor Arthur Andersen (KAP Prasetio Utomo & Co) di tahun 1997-2002, dan Senior Manager Enst & Young (KAP Purwantono, Sungkoro & Surja) dari 2002 hingga 2017. Sejak tahun 2017 bergabung dengan MNC Group sebagai General Manager of Budget & Control Management PT MNC Kapital Indonesia Tbk kemudian bergabung sebagai Head of Internal Audit PT MNC Investama Tbk sebelum bergabung dengan MNC Bank pada January 2018 sebagai Senior VP of Business Strategy & Budget dengan posisi terakhir Chief Finance Officer sebelum diangkat sebagai Direktur melalui RUPSLB tanggal 20 September 2018.
Pendidikan/Pelatihan Tahun 2018 Dapat dilihat pada halaman 231 Hubungan Afiliasi Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi lainnya, maupun dengan anggota Dewan Komisaris, atau dengan pemegang saham utama.
Educational backgroundHe earned a Bachelor of Economics degree at Atmajaya University in 1991.
Position HistoryHe was appointed as Director of PT Bank MNC International Tbk based on the EGMS on September 20, 2018; and as of February 14, 2019 effectively holds the position after being declared to have passed the OJK fit and proper test through Letter No. SR-47/PB.12/2019 dated February 19, 2019.
Concurrent PositionsHe does not hold concurrent positions
Professional ExperienceHe began his career as an Audit Senior & Tax Consultant, RSM International (KAP AAJ Associates) in 1996-1997, then as Audit Supervisor Arthur Andersen (KAP Prasetio Utomo & Co) in 1997-2002, and Senior Manager Enst & Young (KAP Purwantono, Sungkoro & Surja) from 2002 to 2017. Since 2017 he joined MNC Group as General Manager of Budget & Control Management of PT MNC Kapital Indonesia Tbk then joined as Head of Internal Audit of PT MNC Investama Tbk before joining MNC Bank in January 2018 as Senior VP of Business Strategy & Budget with the last position of Chief Finance Officer before being appointed as a Director through the EGMS dated September 20, 2018.
Education / Training in 2018Can be seen on the page 231 Affiliate RelationsHe has no affiliation with other members of the Board of Directors, nor with members of the Board of Commissioners, or with major shareholders.
45 tahun, Warga Negara Indonesia. 45 years old, Indonesian citizen.
70 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
BUDY SETIAWAN ZAINUDDIN SAMALUDIN Chief Consumer Lending Officer Chief Risk Officer
Riwayat PendidikanBeliau meraih gelar Master of Art Christian Leadership di STT-INTI Bandung pada tahun 2018, serta gelar Sarjana Tekhnik di Institut Teknologi Bandung (ITB) pada tahun 1991.
Educational backgroundHe obtained his Master of Arts in Christian Leadership from STT-INTI Bandung in 2018, as well as his Bachelor’s Degree in Engineering from Bandung Institute of Technology in 1991.
Riwayat PekerjaanBeliau memulai karir perbankan pada tahun 1991 di Bank Tamara sebagai Card Center Manager. Tahun 1999 beliau melanjutkan karirnya di Bank Danamon sebagai Team Leader Consumer & Credit Card Business. Sejak tahun 2000 sampai dengan 2011 beliau berkarir di Bank Mega sebagai SVP Group Head Card Business. Selanjutnya tahun 2011 hingga 2014 berkarir di UOB Indonesia sebagai SVP Unsecure Business Head. Sejak 2014 bergabung dengan MNC Bank menjabat sebagai Chief Consumer Lending Officer.
Employment History He commenced his banking career in 1991 at Bank Tamara as Card Center Manager. In 1999, he furthered his career at Bank Danamon as Team Leader of Consumer & Credit Card Business. From 2000 to 2011, he worked at Bank Mega as SVP Group head Card Business. Later, from 2011 to 2014, he worked at UOB Indonesia as SVP Unsecure Business Head. He joined MNC Bank since 2014 as Chief Consumer Lending Officer.
Riwayat PendidikanBeliau meraih gelar Sarjana Hukum di Universitas Brawijaya pada tahun 1991.
Educational backgroundHe earned his Law Degree from Brawijaya University in 1991.
Riwayat PekerjaanBeliau memulai karir perbankan tahun 1993 di Citibank , N.A sebagai Citiphone Officer, menduduki beberapa posisi hingga terakhir menjabat sebagai Country Employee & Industrial Relation Head. Tahun 2013 melanjutkan karirnya di CIMB Niaga Auto Finance sebagai Collection Director dan terakhir menjabat sebagai Sales & Marketing Director. Selanjutnya tahun 2016 menjabat sebagai Card and Merchant Operation Group Head di Bank CIMB Niaga. Sejak 2016 bergabung dengan MNC Bank sebagai Chief Risk Officer.
Employment HistoryHe commenced his banking career in 1993 at Citibank, N.A. as Citiphone Officer, held several positions with the last being Country Employee & Industrial Relation Head. In 2013, he furthered his career at CIMB Niaga Auto Finance as Collection Director with the last position as Sales & Marketing Director. Later in 2016, he was Card and Merchant Operation Group Head at Bank CIMB Niaga. The same year, in 2016, he joined MNC Bank as Chief Risk Officer.
profIl ChIef offIcerChief Officers Profile
50 tahun, Warga Negara Indonesia50 years old, Indonesian Citizen
50 tahun, Warga Negara Indonesia50 years old, Indonesian Citizen
71Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
VINCENTIA M. DJUNI WIJAYA ARIS PALEMBANGANChief Commercial Business Officer Chief Human Resources & General
Services Officer
Riwayat PendidikanBeliau meraih gelar Master Bisnis di IPWIJA pada tahun 1992.
Educational backgroundHe obtained a Master of Business from IPWIJA in 1992.
Riwayat PekerjaanMemulai karir perbankan pada tahun 1990 di Bank Permata sebagai AVP Head of Asset Sales Management. Tahun 2006 melanjutkan karirnya di Bank Danamon menjabat sebagai Senior AVP Area Commercial Banking. Selanjutnya tahun 2009 berkarir di Bank BNP menjabat sebagai Senior AVP Area Business Manager. Tahun 2010 melanjutkan karirnya di Bank Mayora sebagai VP Head of Corporate Banking. Selanjutnya tahun 2011 berkarir di UOB Indonesia menjabat sebagai VP Area Commercial Banking Manager. Sejak 2015 bergabung dengan MNC Bank sebagai Chief Commercial Business Officer.
Employment History He commenced his banking career in 1990 at Bank Permata as AVP Head of Asset Sales Management. In 2006, he furthered his career at Bank Danamon as Senior AVP Area Commercial Bankng. In 2009, he worked at BNP Bank as Senior AVP Area Business Manager. In 2010, he worked at Bank Mayora as VP Head of Corporate Banking. Later in 2011, he worked at UOB Indonesia as VP Area Commercial Banking Manager. He joined MNC Bank in 2015 as Chief Commercial Business Officer.
Riwayat PendidikanBeliau meraih gelar Master of Management in Human Resources di Universitas Indonesia pada tahun 2007.
Educational backgroundHe earned his Master of Management in Human Resources from the University of Indonesia in 2007.
Riwayat PekerjaanMemulai karir pada tahun 2003 di PT Casa Fiero, Surabaya sebagai HRD & System Supervisor. Selanjutnya tahun 2005 menjabat sebagai Branch Manager pada PT Casa Decora Jakarta. Tahun 2007 sampai dengan 2017 melanjutkan karirnya di PT MNC Investama Tbk sebagai HR & GA Manager. Berbagai posisi di jabat selama berkarir di perusahaan tersebut, hingga menjabat sebagai Group VP Human Capital & General Services. Sejak tahun 2017 bergabung dengan MNC Bank sebagai Chief Human Resources & General Services Officer.
Employment History He commenced his career in 2003 at PT Casa Fiero, Surabaya as HRD & System Supervisor. Later in 2005 he held the position of Branch Manager at PT Casa Decora Jakarta. From 2007 to 2017, he furthered his career at PT MNC Investama Tbk as HR & GA Manager. He held various positions at that company, with the last being Group VP Human Capital & General Services. He joined MNC Bank in 2017 as Chief Human Resources & General Services Officer.
37 tahun, Warga Negara Indonesia37 years old, Indonesian Citizen
52 tahun, Warga Negara Indonesia52 years old, Indonesian Citizen
72 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
InforMasI perubahan pengurus Setelah tahun Buku BerakhIr Information of Management Changes after Ending of Fiscal Year
Terdapat perubahan susunan anggota Direksi Perseroan setelah tahun buku berakhir sampai dengan batas waktu penyampaian Laporan Tahunan kepada Regulator dan tersedia untuk pemegang saham yang juga mengalami perubahan, dengan diangkatnya Mahdan sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan akan efektif menjabat setelah dinyatakan lulus penilaian kelayakan dan kepatutan OJK.
*efektif menjabat setelah berakhirnya tahun buku 2018
There was a change in the composition of members of the Board of Directors following the ending of fiscal year until the deadline of the Annual Report submission to the Regulators. The publication for the shareholders is available as there was a change due to the appointment of Mahdan as the President Director based on the EGMS dated March 8, 2019. His appointment will be effective upon the passing of the OJK fit and proper test.
*effectively serving as of the ending of 2018 fiscal year
No. Nama / name Jabatan / position
1 Andri Latif Corporate Secretary
2 Susi Enita Credit Administration Group Head
3 Setiyani Diponegoro Financial Control Group Head
4 Teddy Yusup Information & Technology Group Head
5 Agus C. Hadiwinoto Mortgage Group Head dan Pjs. Card Business Group Head
6 Dian Irawan Multifinance Group Head
7 Irving Ignatius Paul Luntungan Digital Network Group Head
8 Putu Prama Widhiasmara Centralized Banking & Electronic Channel Operations Group Head
9 Ong Wijaya* Sales & Distribution Group Head
10 Vincentius Riza Westika Dewanto
Marketing & Communication Group Head
11 Evira Tanuwidjaya Legal Group Head
12 Riva Yan Abdillah Internal Audit Group Head / Kepala SKAI
13 Iwan Ismanto Special Asset Management Group Head – Corporate & Comercial
14 Aris Palembangan Chief Human Resources & General Services Officer
15 Arief Budianto Risk Management Group Head
16 Wisnu Wihandoko Treasury Group Head
profIl group headGroup Head Profile
No. Nama / name Jabatan / position
17 Muhamad Aria Pratama Implant Banking Channel Group Head
18 Budi Setiawan* Compliance Group Head
19 Santi Irawati* General Services Group Head
20 Thomas Cipta Kusuma Branch Manager Medan
21 Eddy Mulyono* Branch Manager Surabaya
22 Jenny Hariwan Branch Manager Jakarta - MNC Tower
23 M. Sulaiman Berbudianto Branch Manager Yogyakarta
24 Yudi Surmawan Branch Manager Semarang
25 Susy Windriaty Branch Manager Solo
26 Eric Herdian Branch Manager Bandung
27 Vivi Juliana Branch Manager Pekanbaru
28 Fence Yostanto Jonathan Branch Manager Samarinda
29 Daniel Samzon MP Branch Manager Batam
30 I Ketut Yadnyana Branch Manager Bali
31 Juhan Wahyudi Branch Manager Balikpapan
32 Ardans Branch Manager Tarakan
33 William Hendri Branch Manager Jambi
34 Marleanty Hidayat Branch Manager Makassar
35 Njimas Siti Sumirah Branch Manager Bogor
73Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
DeMografI karyaWanEmployees Demography
Per 31 Desember 2018, MNC Bank memiliki 955 karyawan. Jumlah tersebut menurun sebanyak 147 orang dibandingkan tahun 2017 dengan jumlah 1.102 karyawan.
As of December 31, 2018, MNC Bank employed 955 employees. The number of employees decreased, compared to 2017 with 1.102 employees.
Jenjang Kepangkatan 2018 2017 Organization Level
Dewan Komisaris 3 3 Board of Commissioners
Komite Audit 2 2 Audit Committee
Komite Pemantau Risiko 2 2 Risk Oversight Committee
Direksi 2 4 Board of Directors
Pejabat Eksekutif 38 37 Executives
Manager 217 253 Managers
Officer 254 277 Officers
Staff 437 524 Staffs
Jumlah 955 1.102 Total
Tabel Jumlah Karyawan berdasarkan Level Organisasi Table Total Employees based on organization Level
PEngEMBAngAn KOMPETEnSi Dalam meningkatkan pengembangan kompetensi dan Sumber Daya Manusia, selama 2018, MNC Bank menyelenggarakan pelatihan pengembangan kompetensi untuk 4.210 karyawan atau mencapai 3,08 training days per karyawan.
BiAyA PEngEMBAngAn KOMPETEnSi Total biaya yang telah dikeluarkan MNC Bank untuk pelatihan mencapai Rp9.903 miliar atau 4,56% dari staff cost.
comPetence DeVeloPment In improving the development of competence and Human Resource, during 2018, MNC Bank held competency development training for 4,210 employees or reached 3.08 training days per employee.
comPetence DeVeloPment cost MNC Bank has posted competence development cost of Rp9,903 billion or 4.56% from staff cost.
Status Karyawan 2018 2017 Employment Status
Tetap 794 195 Permanent
Kontrak 161 907 Contract
Jumlah 955 1.102 Total
Pendidikan 2018 2017 Organization Level
Non Diploma 38 37 Non Diploma
Diploma 167 205 Diploma
Sarjana 750 860 Bachelor Degree
Jumlah 955 1.102 Total
Jumlah Karyawan berdasarkan Status KepegawaianTotal Employees based on Employment Status
Tabel Jumlah Karyawan Berdasarkan Tingkat PendidikanTable Total Employees by Education Level
74 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
realIsasI pelaksanaan traInIng karyaWanEmployees Training Realization
BulanMonth
Aktivitas PelatihanTrainings
Jumlah PesertaTotal Participants
JanuariJanuary
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
26159175
FebruariFebruary
1. Program pelatihan wajib/mandatory training2. Product, technical & soft skill
3323
MaretMarch
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
2122161
AprilApril
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
465
229
MeiMay
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
188133129
JuniJune
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
3514413
JuliJuly
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
35085
1.132
AgustusAugust
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
12066
170
SeptemberSeptember
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
18019
257
OktoberOctober
1. Program pelatihan wajib/mandatory training2. Product, technical & soft skill3. Leadership
19142669
NovemberNovember
1. Program pelatihan wajib/mandatory training2. Leadership3. Product, technical & soft skill
4110
257
DesemberDecember
1. Leadership2. Product, technical & soft skill
150
Total 4.210
Tabel Jumlah Karyawan berdasarkan Level Organiasasi Table Total Employees based on organization Level
75Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
koMposIsI pemegang SahamShareholders Composition
No Pemegang SahamShareholders
Jumlah SahamTotal Stock
Persentase Kepemilikan SahamPercentage of Shareholding
1 PT MNC Kapital Indonesia Tbk 9.309.678.241 41,78 %
2 Marco Prince Corporation 2.654.374.881 12,18 %
3 Fields Equity Management Ltd 944.786.000 4,34 %
4 Charlton Group Holding Limited 880.798.920 4,04 %
5 Starlight Ltd 822.527.275 3,78 %
6 Reliancever Holdings Inc 745.300.000 3,42 %
7 Bank of Singapore Limited - 2048834001 745.000.000 3,42 %
8 Winfly Ltd 744.350.000 3,42 %
9 Herst Investments Limited 743.250.000 3,41 %
10 Oxley Capital Investments Ltd 741.500.000 3,4 %
11 Smart Empire Group Ltd 578.718.446 2,66 %
12 Express Cyber Ltd 442.982.434 2,03 %
13 Reksa Dana Terproteksi Victoria 4 201.956.900 0,93 %
14 Bambang Pranowo 195.000.000 0,9 %
15 Lie Effendi Harsono 153.000.066 0,7 %
16 Bank Julius Bear and Co LTD Singapore 124.994.222 0,57 %
17 AJB Bumiputera 127.046.900 0,59 %
18 Reksa Dana OSO Andalas Equity Fund 110.622.100 0,51 %
19 Budiantoro M Kurniawan 104.979.400 0,48 %
20 Reksa Dana Valbury Equity I 93.000.000 0,43 %
Tabel 20 Pemegang Saham Terbesar & Persentase KepemilikanTable 20 Biggest Shareholders & ownership percentage
Per 31 Desember 2018 As of 31 December 2018
No Pemegang SahamShareholders
Jumlah SahamNumber of Shares
Persentase Kepemilikan SahamOwnership Percentage
a. Pemegang Saham yang Memiliki 5% atau Lebih Saham Shareholders above 5% or Over
MNC Kapital Indonesia 9.309.678.241 42,73
MARCO PRINCE CORP 2.654.374.881 12,18
b. Anggota Direksi dan Anggota Dewan Komisaris yang Memiliki Saham Shares Ownership by Members of the Board of Directors and Board of Commissioners
Board of Commissioners: Tidak ada I None
Board of Directors: Tidak ada I None
c. Kelompok Pemegang Saham Masyarakat yang Memiliki Kurang Dari 5% Saham Less than 5% Shares Ownership by Public
Publik Lainnya (masing-masing kurang dari 5%) 9.821.000.496 45,09%
Other public shareholders (each less than 5%)
Total 21.785.053.618 100,00%
Tabel Rincian Pemegang Saham dan Persentase KepemilikanTable Shareholders and ownership
76 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Pemegang Saham Jumlah InvestorNumber of Investors
Jumlah SahamNumber of Shares
Persentase Kepemilikan SahamShareholding Percentage Shareholders
Pemodal Nasional National Investors
Perorangan 3.735 1.706.507.016 7,83% Individual
Perseroan Terbatas 7 9.325.198.341 42,81% Limited Liability Company
Asuransi 3 127.226.924 0,58% Insurance
Yayasan Dana Pensiun 1 5.000.000 0,02%
Lain-lain 8 434.507.376 1,99% Others
Pemodal Asing
Perorangan Asing 14 9.966.800 0,05% Individual Foreign
Badan Usaha Asing 18 10.176.647.161 46,71% Individual Foreign
Total 3.786 21.785.053.618 100% Foreign Entities
Tabel Pemegang Saham Berdasarkan KlasifikasiTable of Shareholders Based on classification
77Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
stukturpemegang SahamShareholders Structure
dAFTAr EnTiTAS AnAK dAn/ATAu EnTiTAS ASOSiASi Sampai dengan 31 Desember 2018, MNC Bank tidak memiliki entitas anak maupun entitas asosiasi.
sUBsiDiAries AnD/or AssociAtesAs of December 31, 2018, MNC Bank does not have any subsidiaries or associates
PT HT Investama48,00%
PT Pratama Prima Investama20,00%
Harry Tanoesoedibjo32,00%
Charlton Group Holdings Ltd
7,67%
Publik
35,47%
Smart Empire Group Ltd
11,60%
Publik
12,68%
Publik
45,09%
PT Bank MNC Internasional Tbk
PT Bhakti Panjiwira
10,13%
UOB Kay Hian(Hong Kong) Ltd
9,19%
PT MNC Kapital Indonesia Tbk
42,73%
HT InvestmentDevelopment Ltd
25,49%
HT Investment Development Ltd
8,77%
Marco Prince Corp
12,18%
UOB Kay Hian(Hong Kong) Ltd
5,47%
4,17%PT MNCInvestama Tbk
69,36%
78 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
struktur kelompok uSahaGroup Companies Structure
PT MNC KAPITAL INDONESIA TBK
funding product
financial advisoryServices
factoringconsumer financing
loan facility underwritingfinance & operating lease
credit card Brokerage Services
treasury research Services
trade finance
79Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
motor VehicleInsurance
Investmentmanager Services
group lifeInsurance
property Insurance
Investmentadvisory Services
Individual lifeInsurance
marine cargoInsurance
aviation Insurance
80 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
kronologI penerbItan SahamShares Chronology
PEnAwArAn uMuM PErdAnA SAhAM Pada tanggal 27 Juni 2002, MNC Bank memperoleh pernyataan efektif dari Ketua BAPEPAM dengan surat No. S-1402/ PM/2002 untuk melakukan penawaran umum saham atas 500.000.000 saham Perseroan kepada masyarakat. Nilai nominal per saham adalah sebesar Rp 100 dan harga penawaran adalah sebesar Rp 120 per saham. Pada tanggal 15 Juli 2002, saham Perseroan telah dicatatkan pada Bursa Efek Indonesia.
PEnAwArAn uMuM SAhAM TErBATAS i Pada tanggal 23 November 2005, MNC Bank memperoleh pernyataan efektif dari Ketua BAPEPAM dengan surat No. S-3278/PM/2005 untuk melakukan Penawaran Umum Terbatas I atas 3.000.000.000 saham Perseroan. Harga penawaran sama dengan nilai nominal sebesar Rp 100 per saham, disertai dengan penerbitan 666.666.654 Waran Seri I yang memberikan hak pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 120 per saham. Pembelian dapat dilakukan selama masa pelaksanaan yaitu mulai tanggal 30 Juni 2006 sampai dengan 29 Desember 2010. Saham-saham tersebut telah dicatatkan pada Bursa Efek Indonesia pada tanggal 2 Januari 2006.
PEnAwArAn uMuM SAhAM TErBATAS ii Pada tanggal 22 Juni 2010, MNC Bank memperoleh penyertaan efektif dari Ketua BAPEPAM-LK melalui surat No. S-5539/BL/2010 untuk melakukan Penawaran Umum Terbatas II (“PUT II”) kepada para pemegang saham perseroan dalam rangka penerbitan HMETD dengan penerbitan obligasi wajib konversi yang diberi nama obligasi wajib konversi Bank ICB Bumiputera tahun 2010 (“OWK”) dengan jumlah pokok sebesar Rp150.000 juta. Setiap pemegang 10 (sepuluh) saham Perseroan yang namanya tercatat dalam Daftar Pemegang Saham Perseroan pada tanggal 2 Juli 2010 pukul 16.00 WIB berhak atas 3 (tiga) HMETD dimana setiap 1 (satu) HMETD berhak untuk membeli 1 (satu) satuan OWK, dengan harga penawaran sebesar Rp 100 setiap 1 (satu) satuan OWK yang harus dibayar penuh pada saat mengajukan pemesanan OWK.
PEnAwArAn uMuM SAhAM TErBATAS iii Pada tanggal 20 Juni 2014, MNC Bank memperoleh surat pernyataan efektif dari Dewan Komisaris OJK No. S-291/D.04/2014 untuk melakukan Penawaran Umum Terbatas III (“PUT III”) dalam rangka penerbitan HMETD sebanyak 8.046.248.527 lembar saham dengan harga penawaran Rp 100 per saham yang disertai dengan penerbitan Waran Seri II sebanyak 1.828.692.847 waran, dimana setiap 22 saham hasil pelaksanaan HMETD tersebut melekat 5 Waran Seri II yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 150 per saham. Pelaksanaan Waran Seri II dapat dilaksanakan mulai tanggal 4 Juli 2014 sampai dengan tanggal 3 Juli 2017 dimana setiap pemegang 1 waran berhak untuk membeli 1 saham Perseroan. Pada tanggal 31 Desember 2014, sejumlah 14.882.003.797 saham Perseroan telah dicatatkan pada Bursa Efek Indonesia dan sejumlah 150.323.271 saham yang merupakan saham pendiri tidak dicatatkan di bursa.
initiAl PUBlic offerinG of shAres On June 27, 2002, MNC Bank received effective statement from Bapepam-LK Chairman with the letter No. S-1402/ PM/2002 to conduct initial public offering of 500,000,000 shares of Company to the public. The share nominal price was Rp100 and the offering price was Rp120 per share. On July 15, 2002, MNC Bank’s shares were registered on the Indonesia Stock Exchange.
riGhts issUe i On November 23, 2005, MNC Bank received effective statement from Bapepam-LK Chairman with the letter No. S-3278/ PM/2005 to conduct Rights Issue I on 3,000,000,000 shares of MNC Bank. The offering price equals to the nominal price of Rp100 per share, followed with the issuance of 666,666,654 Warrants Serie I that provide the rights to shareholders to purchase new shares with the execution price of Rp120 per share. The purchase could be done during the execution period, i.e. from June 30, 2006 to December 29, 2010. These shares were listed on the Indonesia Stock Exchange on January 2, 2006.
riGhts issUe ii On June 22, 2010, MNC Bank received effective statement from Bapepam-LK Chairman with the letter No. S-5539/ PM/2010 to conduct Rights Issue II on 3,000,000,000 shares of MNC Bank to shareholders for the rights issue involved in the issuance of the obligatory convertible bonds called the Obligatory Convertible Bond Bank ICB Bumiputera 2010 (“OWK”) with a principal amount of Rp150,000 million. Each ownership of 10 (ten) shares of MNC Bank whose names were listed on MNC Bank’s Shareholders List on July 2, 2010 at 16.00 WIB has the rights to 3 (three) rights to purchase 1 (one) unit of OWK, with the offering price of Rp100 per unit of OWK that must be fully paid for when ordering the OWK.
riGhts issUe iii On June 20, 2014, MNC Bank received effective statement from the Board of Commissioners of the Financial Services Authority with the letter No. S-291/D.04/2014 to conduct Rights Issue III on 8,046,248,527 shares of MNC Bank, with the offering price of Rp100 per share, accompanied with the issuance of Warrant Serie II amounting to 1,828,692,847 warrants, where on each 22 shares from the rights issue are attached 5 Warrant Serie II, which give the rights to shareholders to purchase the new shares with an execution price of Rp150 per share. The execution of Warrant Serie II could be conducted starting from February 4, 2015 to July 3, 2017, where each holder of 1 warrant has the rights to purchase 1 share of MNC Bank. On December 31, 2014, as many as 14,882,003,797 shares of MNC Bank were registered on the Indonesia Stock Exchange and as many as 150,323,271 shares that are founders’ shares are not listed on the stock market.
81Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PEnAwArAn uMuM SAhAM TErBATAS iV Pada tanggal 25 September 2015, MNC Bank memperoleh surat pernyataan efektif dari Dewan Komisioner OJK No. S-437/D.04/2015 untuk melakukan Penawaran Umum Terbatas IV (“PUT IV”) dalam rangka penerbitan HMETD sebanyak 6.744.407.924 lembar saham dengan harga penawaran Rp 100 per saham. Hasil dari pelaksanaan PUT IV Perseroan menerbitkan 4.097.235.004 lembar saham dan sisanya dikembalikan ke portepel. Pada tanggal 31 Desember 2015, sejumlah 18.938.267.441 saham Perseroan telah dicatatkan pada Bursa Efek Indonesia dan sejumlah 191.295.631 saham yang merupakan saham tidak dicatatkan di bursa sesuai dengan ketentuan peraturan perundangan yang berlaku.
PEnAwArAn uMuM SAhAM TErBATAS V Pada tanggal 23 September 2016, MNC Bank memperoleh surat pernyataan efektif dari Dewan Komisaris OJK No. S-531/D.04/2015 untuk melakukan Penawaran Umum Terbatas V (“PUT V”) dalam rangka penerbitan HMETD sebanyak 4.782.390.768 lembar saham dengan harga penawaran Rp 100 per saham, yang disertai dengan penerbitan Waran Seri III sebanyak 4.782.390.768 Waran, dimana setiap 1 (satu) saham hasil pelaksanaan HMETD tersebut melekat 1 (satu) Waran Seri III yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 100 per saham. Pelaksanaan Waran Seri III dapat dilaksanakan mulai tanggal 7 April 2017 sampai dengan tanggal 4 Oktober 2019. Hasil dari pelaksanaan PUT V Perseroan menerbitkan 1.454.901.709 lembar saham dan sisanya dikembalikan ke portepel. Pada tanggal 31 Desember 2016, sejumlah 20.375.650.595 saham Perseroan telah dicatatkan pada Bursa Efek Indonesia dan sejumlah 205.814.652 saham .
PEnAwArAn uMuM SAhAM TErBATAS Vi Pada tanggal 28 Mei 2018, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-58/D.04/2018 untuk melakukan Penawaran Umum Terbatas VI dalam rangka penerbitan hak memesan efek terlebih dahulu (HMETD). Jumlah saham yang diterbitkan sebanyak – banyaknya 4.780.327.410 (nilai penuh) lembar saham dengan harga penawaran Rp 100 (nilai penuh) per saham yang disertai dengan penerbitan Waran Seri IV sebanyak banyaknya 4.780.327.410 (nilai penuh) saham, dimana setiap 1 (satu) saham hasil pelaksanaan HMETD tersebut melekat 1 Waran Seri IV yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 100 (nilai penuh) per saham. Pada tanggal 31 Desember 2018 Hasil Pelaksanaan PUT VI yang diterima Bank sebanyak 273.580.271 (nilai penuh) dan sisanya dikembalikan ke portepel. Pada tanggal 31 Desember 2018, sejumlah 21.785.053.618 (nilai penuh) saham Bank telah dicatatkan pada Bursa Efek Indonesia dan sejumlah 217.850.536 (nilai penuh) saham yang merupakan saham perseroan tidak dicatatkan di Bursa sebagai pemenuhan ketentuan Peraturan Pemerintah no.29 tahun 1999 tentang pembelian saham Bank Umum.
riGhts issUe iV On 25 September 2015, MNC Bank received effective statement from the Board of Commissioners of the Financial Services Authority with the letter No. S-437/D.04/2015 to conduct Rights Issue IV on 6,744,407,924 shares with the offering price of Rp100 per share. From the proceeds from the Rights Issue IV, MNC Bank issued 4,097,235,004 shares and return the balance to the portfolio. By 31 December 2015, as many as 18,938,267,441 shares of MNC Bank were registered on the Indonesia Stock Exchange and as many as 191,295,631 shares who are founders’ shares are not listed on the stock market.
riGhts issUe VOn September 23, 2016, MNC Bank obtained an effective statement letter from Board of Commissioners of OJK No. S-531 / D.04 / 2015 for conducting Limited Public Offering V (“PUT V”) in order to issuing Pre-emptive Rights in the amount of 4,782,390,768 shares at an offering price of Rp 100 per share, accompanied with issuance of Warrants Series III with total of 4.782.390.768 Warrants, that every 1 (one) share of implementation result of HMETD attaches 1 (one) Warrant Series III that gives rights to shareholders to buy new shares with the price of implementation of Rp 100 per share. The implementation of Warrant Series III can be carried out since April 2017 until October 4, 2019. The implementation result of PUT V of the Company published 1.454.901.709 shares and the rest were returned to portfolio. On December 31, 2016, the Company’s 20.375.650.595 shares and 205.814.652 shares were listed on Indonesia Stock Exchange.
riGhts issUe Vi On May 28, 2018, the Bank obtained Effective Statement from the Board of Commissioners of the Financial Services Authority No. S-58/D.04/ 2018 for conducting Limited Public Offering VI in issuing preemptive rights (HMETD). The shares issued are numbered to as many as 4,780,327,410 (full value) shares, with an offering price of Rp 100 (full value) per share, accompanied by the issuance of Series IV Warrants in the amount of 4,780,327,410 (full value) shares, of which every 1 (one) share from the exercise of Rights is attached to 1 Series IV Warrants that entitle shareholders to purchase new shares at an exercise price of Rp 100 (full amount) per share. As of December 31, 2018 the result of the implementation of PUT VI received by the Bank is 273,580,271 (in full amount) and the remainder has been returned to the portepel. As of December 31, 2018, a total of 21,785,053,618 (full value) of the Bank’s shares were listed on the Indonesia Stock Exchange and 217,850,536 (full value) shares of the company were not listed on the Exchange as fulfillment of Government Regulation no.29 Year 1999 concerning the purchase of shares of Commercial Banks.
82 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
kronologI penerbItan efek laIn
naMa Dan alaMat leMbaga Danatau profeSI penunjang
Other Stocks Chronology
Name and Address of Supporting Institution and/or Profession
Jenis EfekType of Securities
Tangal PenerbitanIssuance Date
Total Efek Yang Diterbitkan
Total Securities Issued
Efek Yang Telah DikonversiTotal Securities Converted Jumlah Efek Yang Belum
DikonversikanTotal Securities not yet ConvertedJumlah
AmountNilai Value
Waran IIWarrant II
4 Juli 2014July 4, 2014 1.828.692.847 9.557 Rp1.433.550 1.828.683.290
Waran IIIWarrant III
7 Oktober 2016October 7, 2016 1.451.901.709 930.000.009 Rp93.000.000.900 521.901.700
Waran IVWarrant IV
22 Juni 2018June 22, 2018 273.580.271 - - 27.358.027
Nama & AlamatName & Address
JasaServices
FeeFees
Periode PenugasanAssignment Periods
PT Bursa Efek IndonesiaGedung Bursa Efek Indonesia, Tower 1Jl. Jend. Sudirman Kav. 52-53Jakarta 12190, IndonesiaTelepon: (021) 5150515Faksimili: (021) 5154153Email: [email protected]: www.idx.co.id
Informasi Perdagangan dan Pencatatan SahamTrading information and Share Listing
Rp275.000.000 Sejak tahun 2002 hingga saat iniSince 2002 to present
Kanaka, Puradiredja, Suhartono18 Office Park Tower A, Lantai 20Jl. TB Simatupang No. 18 Pasar MingguJakarta 12520, IndonesiaTelepon : (021) 22708292Faksimili : (021) 22708299
Akuntan PublikPublic AccountantMengaudit Laporan KeuanganBank MNC Internasional untuk tahun bukuyang berakhir pada tanggal 31 Desember 2018(Laporan Keuangan Tahun Buku 2018)Public AccountantTo audit the Financial Statements of Bank MNCInternasional for fiscal year ended 31 December 2018 (Financial Statements of Fiscal Year 2018)
Rp450.000.000 Untuk tahun buku 2018For fiscal year 2018
PT BSR IndonesiaKomplek Perkantoran ITC Roxy Mas BlokE1 no.10-11Jl. K.H. Hasyim AshariJakarta 10150Telepon: (021) 631 7828Faksimili: (021) 631 7827
Biro Administrasi EfekPengelolaan administrasi saham dan waranShare RegistrarShares and warrants administrationmanagement
Rp33.000.000 Sejak tahun 2014 hingga saat iniSince 2014 to present
83Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
InforMasI paDa WeBSIte peruSahaanCorporate Website Information
Berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) No. 8/POJK.04/2015 mengenai situs web emiten atau perusahaan ublic, MNC Bank dalam upaya kepatuhan terhadap peraturan tersebut telah melengkapi website perusahaan dengan beberapa informasi penting sebagai berikut: 1. Informasi pemegang saham 2. Informasi Rapat Umum Pemegang Saham (RUPS),
termasuk mata acara dalam RUPS, ringkasan risalah RUPS dan informasi tanggal penting
3. Informasi aksi korporasi4. Kode etik 5. Laporan keuangan tahunan terpisah (5 tahun terakhir)6. Laporan keuangan triwulan7. Laporan keuangan bulanan8. Laporan keuangan publikasi 9. Struktur organisasi 10. Struktur group 11. Profil Dewan Komisaris dan Direksi12. Pedoman Dewan Komisaris dan Direksi13. Pedoman Tata Kelola Perusahaan 14. Pedoman komite-komite 15. Piagam audit internal 16. Anggaran Dasar17. Informasi produk dan jasa18. Informasi promo dan pemasaran19. Informasi mediasi keluhan nasabah20. Lokasi jaringan kantor21. Berita perusahaan
Based on Financial Services Authority Regulation No. 8/POJK.04/2015 concerning websites of issuers or public companies, the Company in its compliance toward this regulatory requirement has completed the company website with the following key information:
1. Shareholders information 2. Information on General Meeting of Shareholders,
including agenda, resolutions and important dates
3. Corporate action information4. Code of Conduct 5. Annual financial reports – separately for the last 5 years 6. Quarterly financial report7. Monthly financial report8. Published financial report9. Organizational structure 10. Group structure 11. Profile of Bank Board Members12. Charter of Bank Board Members13. Corporate Governance Charter 14. Committees charter 15. Internal audit charter 16. Articles of Association17. Information on product and services18. Information on promotion and marketing19. Information on customer care20. Office network address21. Corporate news
84 PT Bank MNC Internasional Tbk.
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
penghargaan & SertIfIkaSIAwards & Certifications
TanggalDate
PenghargaanAward
KategoriCategory
Lembaga PemberiOrganizer
19/1/2018 Indonesian Creativity & Best Leader Award 2018 The Most Improved Banking of The Year Indonesian Inspire!
19/1/2018 Indonesian Creativity & Best Leader Award 2018 Best Leader Indonesian Inspire!
23/2/2018 Indonesia Corporate Secretary & Corporate Communication Award (ICCA) Platinum Economic Review &
Perbanas Institute
23/2/2018 Indonesia Information Technology Award (IITA) Platinum Economic Review & Perbanas Institute
23/2/2018 Indonesian CSR Award 2018 PlatinumEconomic Review, Perbanas Institute, dan Indonesia Asia Institute
17/3/2018 1st Annual Loan Market Awards 2018 Best Lender Ray White & Loan Market
25/5/2018 Indonesian Business Professional & Education Award The Best Reputable Banking With Customer Satisfaction of The Year Indonesian Inspire!
25/5/2018 Indonesian Business Professional & Education Award The Best Reputable Leader Indonesian Inspire!
25/5/2018 Indonesia Digital Innovation Award 2018 Innovative Company in Digital Banking Applications Warta Ekonomi
30/5/2018 Indonesia Human Capital Award ke-4 Gold Economic Review
4/10/2018 TOP CSR 2018 TOP CSR Improvement 2018 Business News
4/10/2018 TOP CSR 2018 TOP Leader on CSR Commitment 2018 Business News
19/11/2018 Anugerah Perbankan Indonesia 2018Peringkat 1 Bank Swasta Tbk terbaik di Indonesia untuk kelompok BUKU II (asset Rp10 T s/d Rp25 T/2018.
Economic Review & Perbanas Institute
7/12/2018 Mastercard Appreciation Night Fastest Growing MasterCard Bank MasterCard Indonesia
85Laporan Tahunan 2018 Annual Report
3
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
penDIDIkan Dan/atau pelatIhan Dewan koMIsarIs, DIreksI, koMIte-koMIte, SekretarIS peruSahaan dan audIt Internal Education and/or Training of the Board of Commissioners, Board of Directors,Committees, Corporate Secretary and Internal Audit Group
Detail dari pelatihan Dewan Komisaris dapat dilihat di halaman 222 di buku laporan keuangan tahunan ini.
Detail dari pelatihan Direksi dapat dilihat di halaman 231 di buku laporan keuangan tahunan ini.
Detail dari pelatihan Komite-Komite dapat dilihat di halaman 257, 264 dan 270 di buku laporan keuangan tahunan ini.
Detail dari pelatihan Sekretaris Perusahaan dapat dilihat di halaman 305 di buku laporan keuangan tahunan ini.
Detail dari pelatihan Audit Internal dapat dilihat di halaman 309 di buku laporan keuangan tahunan ini.
The details of the Board of Commissioners’ training can be viewed on page 222 of this Annual Report book.
The details of the Board of Directors’ training can be viewed on page 231 of this Annual Report book.
The details of the Committees training can be viewed on page 257, 264 and 270 of this Annual Report book.
The details of the Corporate Secretary training can be viewed on page 305 of this Annual Report book.
The details of the Internal Audit Group training can be viewed on page 309 of this Annual Report book.
analIsa & peMbahasan manajemenManagement Discussion & Analysis
88 Tinjauan MakroekonomiMacroeconomy Overview
93 Tinjauan IndustriIndustry Overview
95 Tinjauan UsahaBusiness Overview
104 Tinjauan dan Analisa KeuanganFinancial Analysis and Overview
116 Struktur Permodalan dan Kebijakan Struktur ModalOperational Areas
121 Dividen dan Kebijakan DividenMilestones
04
88 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
tInjauanmakroekonomIMacroeconomic Review
Kinerja perekonomian ke depan diwarnai oleh sejumlah risiko, baik dari ekonomi global maupun domestik (idiosyncratic).
The future economic performance is colored by a number of risks, both from the global and domestic (idiosyncratic) economies.
PErEKOnOMiAn gLOBALBank Indonesia (BI) dalam sebuah laporan yang dirilis pada Desember 2018 mengungkapkan bahwa berbagai dinamika yang memengaruhi pelemahan perekonomian dunia selama 2018 telah menahan optimisme atas prospek pemulihan ekonomi. Sejumlah lembaga internasional mengoreksi ke bawah proyeksi pertumbuhan dunia. IMF dalam World Economic Outlook edisi Oktober 2018 memperkirakan pertumbuhan PDB dunia pada 2018 hingga 2020 akan relatif sama dengan 2017, yaitu 3,7% yoy (revisi ke bawah dari estimasi Juli 2018 sebesar 3,9%). OECD bahkan lebih
GloBAl economyBank Indonesia (BI), in a report released in December 2018, revealed that various dynamics affecting the weakening of the world economy during 2018 have held back optimism over the prospects for economic recovery. A number of international institutions are correcting down projections for world growth. The IMF in the October 2018 edition of the World Economic Outlook predicts world GDP growth in 2018 to 2020 will be relatively the same as 2017, which is 3.7% yoy (revised downward from the July 2018 estimate of 3.9%). The OECD is even more pessimistic by predicting
89Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
pesimis dengan memprediksi pertumbuhan 2019 dan 2020 masing-masing sebesar 3,5%. Peranan AS dalam mendorong pertumbuhan ekonomi dunia akan menurun sejalan dengan perlambatan pertumbuhan ekonomi AS pada 2019 dan 2020. Kawasan Euro dan Tiongkok juga berpotensi tumbuh melambat antara lain karena penurunan permintaan ekspor akibat eskalasi konflik perdagangan AS-Tiongkok. Sementara itu, ekspektasi normalisasi moneter AS dapat menyebabkan pengetatan pasar keuangan dunia dan menekan kinerja ekonomi pada sejumlah negara, khususnya emerging economies.
Divergensi ekonomi diprediksi berlanjut dan AS masih akan menjadi motor penggerak ekonomi dunia, dengan pertumbuhan yang diperkirakan mencapai 2,9% pada 2018 (naik signifikan dari 2,2% di 2017). Kebijakan perdagangan AS yang inward looking dan cenderung proteksionis telah menahan perdagangan global. Kondisi tersebut tercermin dari rata-rata realisasi world trade volume (WTV) selama TW3-18 yang stagnan di level 3,5% yoy sejak TW2-18. Angka tersebut jauh lebih rendah dibandingkan rata-rata TW3-17 yang mampu tumbuh 5,3%. Ekspor Kawasan Euro paling terpukul akibat eskalasi konflik perdagangan Amerika Serikat dengan Tiongkok, dan pelemahan ekonomi Tiongkok. Ekspor yang sebelumnya menjadi primadona, kini melambat dan tidak lagi menjadi faktor pendorong pertumbuhan ekonomi. Kinerja ekspor AS juga telah menurun terdampak ketegangan perdagangan dengan Tiongkok, pelemahan ekonomi negara mitra dagang, dan apresiasi Dolar AS. Di Jepang, ekspor terkendala bencana alam serta moderasi permintaan dari AS dan Tiongkok.
Penurunan permintaan global akibat tensi perdagangan memicu pelemahan harga komoditas, kecuali minyak. Penurunan harga terjadi pada komoditas logam dengan pelemahan terdalam pada zinc, timah, dan tembaga. Sebaliknya, harga minyak masih meningkat karena keterbatasan pasokan akibat penurunan suplai minyak Venezuela dan pemberlakuan kembali sanksi Iran. Produksi minyak Iran turun drastis setelah AS mengancam akan mengenakan sanksi pada negara yang membeli minyak dari Iran.
Pergerakan pasar valuta asing selama TW3-18 dipengaruhi sentimen penguatan ekonomi AS yang menimbulkan ketidakpastian di pasar keuangan global, serta eskalasi tensi perdagangan. Ekonomi AS yang terus menunjukkan penguatan di tengah perlambatan ekonomi negara lainnya, mengonfirmasi divergensi pertumbuhan ekonomi dunia. Hal tersebut menyebabkan perbedaan arah kebijakan moneter antarnegara. Semua faktor tersebut memicu pergeseran investasi dari aset negara maju dan berkembang menuju aset AS dan safe-haven, sehingga menciptakan tekanan
growth of 2019 and 2020 by 3.5% respectively. The role of the US in encouraging world economic growth will decline in line with the slowdown in US economic growth in 2019 and 2020. The Euro Area and China also have the potential to slow down, among others, due to a decline in export demand due to the escalation of US-China trade conflicts. Meanwhile, expectations of US monetary normalization can lead to tightening world financial markets and reduce economic performance in a number of countries, especially emerging economies.
Economic divergence is predicted to continue and the US will still be the driving force of the world economy, with growth predicted to reach 2.9% in 2018 (up significantly from 2.2% in 2017). US trade policies that are inward looking and tend to be protectionist have stifled global trade. This condition was reflected in the average realization of world trade volume (WTV) during the TW3-18 which was stagnant at the level of 3.5% yoy since TW2-18. This figure is much lower than the average TW3-17 which is able to grow 5.3%. Euro Area exports were hardest hit by the escalation of US trade conflicts with China, and the weakening of the Chinese economy. Exports that were previously excellent, have now slowed down and are no longer a driving factor for economic growth. US export performance has also declined due to trade tensions with China, weakening the economy of trading partner countries, and appreciation of the US Dollar. In Japan, exports are hampered by natural disasters and moderating demand from the US and China.
The decline in global demand due to trade tensions triggered a weakening in commodity prices, except oil. The price decline occurred in commodities with the deepest metals on zinc, tin and copper. In contrast, oil prices are still rising due to supply constraints due to the decline in Venezuela’s oil supply and the re-enactment of Iranian sanctions. Iran’s oil production dropped dramatically after the US threatened to impose sanctions on countries that buy oil from Iran.
The movement of the foreign exchange market during Q3-18 was influenced by the sentiment of strengthening the US economy which caused uncertainty in the global financial market, as well as escalating trade tension. The US economy which continued to show strength amid the economic slowdown in other countries, confirmed the divergence in world economic growth. This led to differences in the direction of monetary policy between countries. All of these factors triggered a shift in investment from developed and developing countries’ assets towards US assets and
90 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
depresiatif terhadap sebagian besar nilai tukar dunia. Hal ini mendorong sejumlah bank sentral negara emerging menempuh pengetatan kebijakan moneter dengan menaikkan suku bunga untuk mengatasi depresiasi mata uang, termasuk Bank Indonesia. Sepanjang tahun 2018, Bank Indonesia (BI) telah menaikan suku bunga acuan atau BI 7 – Day Reverse Repo Rate sebanyak enam kali. Dari Mei hingga Desember 2018, suku bunga acuan naik 175 bps dari 4,25% menjadi 6,00%.
Kinerja perekonomian ke depan diwarnai oleh sejumlah risiko, baik dari ekonomi global maupun domestik (idiosyncratic). Sumber risiko tersebut antara lain pengetatan kondisi keuangan global, eskalasi trade tensions, perlambatan ekonomi AS dan Tiongkok, ketidakpastian Brexit, serta faktor geopolitik lainnya. Sejumlah persoalan struktural seperti penurunan produktivitas, aging population, dan reformasi struktural yang berjalan lambat juga perlu mendapat perhatian.
PErEKOnOMiAn indOnESiAPertumbuhan ekonomi Indonesia pada 2018 tetap solid ditengah gejolak ekonomi global, salah satunya berkat upaya Bank Indonesia meresponnya dengan memperkuat kebijakan moneter makro prudensial dan sistem pembayaran. Meskipun realisasi pertumbuhan ekonomi Indonesia pada 2018 diperkirakan meleset dari target, namun perbaikan sejumlah indikator makro ekonomi tahun ini tetap bisa membawa optimisme lebih bagi para pelaku usaha untuk mengarungi 2018.
Di tengah peningkatan tekanan global, Indonesia mampu mempertahankan rating. Pada September 2018, Fitch kembali mengukuhkan rating Indonesia pada BBB dengan stable outlook, didasari oleh beban utang pemerintah yang relatif rendah dan prospek pertumbuhan ekonomi yang baik, di tengah tantangan sektor eksternal. Langkah Bank Indonesia (BI) dalam menaikkan suku bunga kebijakan dan intervensi di pasar valas sebagai respons dari tekanan global juga dinilai mencerminkan komitmen yang kuat untuk menjaga stabilitas. Pengukuhan rating Indonesia pada investment grade menjadi cerminan terjaganya persepsi positif lembaga pemeringkat atas ekonomi Indonesia, termasuk kredibilitas kebijakan yang ditempuh.
safe-havens, thus creating depressive pressure on most of the world’s exchange rates. This prompted a number of emerging-country central banks to take monetary policy tightening by raising interest rates to overcome currency depreciation, including Bank Indonesia. Throughout 2018, Bank Indonesia (BI) has raised its benchmark interest rate or BI 7 - Day Reverse Repo Rate six times. From May to December 2018, the benchmark interest rate rose 175 bps from 4.25% to 6.00%.
The future economic performance is colored by a number of risks, both from the global and domestic (idiosyncratic) economies. The sources of risk include tightening global financial conditions, escalating trade tensions, economic slowdown in the US and China, Brexit uncertainty, and other geopolitical factors. A number of structural issues such as decreasing productivity, aging population, and slow structural reforms also need attention.
inDonesiAn economyIndonesia’s economic growth in 2018 remained solid amid the global economic turmoil, one of which was thanks to Bank Indonesia’s efforts to respond by strengthening macro-prudential monetary policies and the payment system. Even though the realization of Indonesia’s economic growth in 2018 is expected to miss the target, the improvement of a number of macroeconomic indicators this year can still bring more optimism for businesses to wade through 2018.
Amid increasing global pressure, Indonesia was able to maintain its rating. In September 2018, Fitch reaffirmed Indonesia’s rating on BBB with a stable outlook, based on the government’s relatively low debt burden and the prospect of good economic growth, amid challenges from the external sector. The steps of Bank Indonesia (BI) in raising policy rates and intervening in the foreign exchange market in response to global pressure are also seen as reflecting a strong commitment to maintain stability. The inauguration of Indonesia’s rating on investment grade reflected the positive perception of rating agencies on the Indonesian economy, including the credibility of the policies pursued.
91Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
S&P Moody”s Fitch Perceived Strength
Investment Grade Rating AAA Aaa AAA Extremely Strong
AA+ Aa1 AA+ Very Stong
AA Aa2 AA
AA- Aa3 AA-
A+ A1 A+ Strong
A A2 A
A- A3 A-
BBB+ Baa1 BBB+ Adequate
BBB Baa2 BBB
BBB- Baa3 BBB-
Non-Investment Grade Rating BB+ Ba1 BB+ Less Vulnerable
BB Ba2 BB
BB- Ba3 BB-
B+ B1 B+ More Vulnerable
B B2 B
B- B3 B-
CCC+ Caa1 CCC+ Currently Vulnerable
CCC Caa2 CCC
CCC- Caa3 CCC-
CC Ca CC Currently Highly Vulnerable
C C C
Default SD D RD Default
D D
Tabel Posisi Peringkat Sovereign Credit Rating IndonesiaTable of indonesia’s position of Sovereign credit rating
Sumber: Bank Indonesia, Perkembangan Ekonomi Keuangan dan Kerja Sama Internasional Edisi IV 2018, “Kinerja Ekonomi Global Tertahan, Divergensi Melebar.”
Source: Bank Indonesia, Development of Financial Economics and International Cooperation, Issue IV 2018, “Performance of the Global Economy Is Hold, Divergence Widespread.”
Bank Indonesia memandang ada tiga pelajaran penting dalam perjalanan ekonomi 2018 yang dapat dipetik untuk memperkuat sinergi dalam memperkuat ketahananan dan mendorong pertumbuhan ekonomi kedepan di tengah kondisi ekonomi global yang masih akan kurang kondusif. Yang pertama adalah stabilitas dan ketahanan perekonomian perlu terus diperkuat. Kedua, daya saing dan produktivitas harus terus ditingkatkan untuk mendorong momentum pertumbuhan ke tingkat yang lebih tinggi. Ketiga adalah sinergi kebijakan antar otoritas menjadi kunci dalam upaya untuk memperkuat struktur ekonomi nasional.
Awal Februari 2019, BPS mengumumkan pertumbuhan ekonomi 2018 sebesar 5,17%, lebih tinggi dari pertumbuhan ekonomi 2017 yang tercatat 5,07%. Adapun gambaran terperinci indikator-indikator ekonomi makro Indonesia yang merupakan sarana penting untuk mengevaluasi keadaan ekonomi Indonesia adalah sebagai berikut:
Bank Indonesia sees three important lessons in the 2018 economic journey that can be learned to strengthen synergies in strengthening resilience and encouraging future economic growth amid global economic conditions that will still not be conducive. The first is the stability and resilience of the economy needs to be strengthened. Second, competitiveness and productivity must continue to be improved to encourage growth momentum to a higher level. Third, policy synergy between authorities is key in efforts to strengthen the structure of the national economy.
In the beginning of February 2019 BPS announced 2018 economic growth of 5.17%, higher than 2017 economic growth which was recorded at 5.07%. The detailed description of Indonesia’s macroeconomic indicators which are important tools for evaluating the state of the Indonesian economy are as follows:
92 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Keterangan 2016 2017 2018 2019¹ 2020¹ Description
Produk Domestik Bruto(% perubahan tahunan) 5,0 5,1 5,2 5,2 5,3
Gross Domestic Product (% annual change)
Inflasi(% perubahan tahunan) 3,0 3,6 3,1 4,0 4,0
Inflation (% annual change)
Hutang Pemerintah (% dari PDB) 27,9 28,5 31,5 33,0 35,0
Government Debt (% dari PDB)
Nilai Tukar (Rp/USD) 13.309 13.381 14.250 14.000 N/A
Currency Exchange (Rp/USD)
Neraca Transaksi Berjalan (% dari PDB) -1,8 -1,7 -3,0 -2,5 N/A
Current Account Balance (% of PDB)
Suku Bunga Acuan (%) 4,75 4,25 6,00 6,25 N/A
Benchmark Interest Rate (%)
Penduduk (dalam juta) 261 264 267 270 275
Population (in million)
Kemiskinan (% dari populasi) 10,7 10,1 10,0 9,8 N/A
Poverty (% dari populasi)
Pengangguran (% dari tenaga kerja) 5,6 5,5 5,3 5,2 N/A
Unemployment (% dari tenaga kerja)
Cadangan Devisa (dalam miliar USD) 116,4 130,2 117,2 123,3 N/A Foreign Exchange Reserve
(in billion USD)
Tabel Indikator Ekonomi Indonesia 2016-2020Table of indonesian Economic indicator 2016-2020
1 Menunjukan Prognosis
Sumber: Indonesia Investments (Update Terakhir: 7 Febuari 2019), dan Badan Pusat Statistik (BPS)
Source: Indonesia Investments (Last Update: February 7, 2019), and Central Statistics Agency
1 Showing Prognosis
93Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
tInjauanInduStrIIndustry Overview
Kenaikan suku bunga dan pelemahan nilai tukar Rupiah akibat ketidakpastian perekonomian global, menjadi tantangan tersendiri bagi industri perbankan nasional sepanjang 2018. Namun demikian, kinerja sektor perbankan Indonesia tahun 2018 dinilai masih cukup baik, meskipun secara umum pertumbuhan industri perbankan pada tahun 2018 mengalami kontraksi dibandingkan dengan tahun sebelumnya. Hal itu tercermin dari data Statistik Perbankan Indonesia (SPI). Dimana kondisi permodalan seperti Capital Adequacy Ratio (CAR) pada Desember 2018 tercatat di angka 22,97%, lebih rendah dari CAR tahun 2017 sebesar 23,18%. Total aset Bank pada Desember 2018 tercatat sebesar Rp7.751,62 triliun, meningkat 9,2% dibandingkan tahun 2017 sebesar Rp7.099,56 triliun. Pertumbuhan total aset ini sedikit lebih rendah dari pertumbuhan aset Bank tahun 2017 sebesar 9,6%.
Dari sisi rentabilitas perbankan sebagai Industri masih memadai, Return on Asset (ROA) sebesar 2,55%, atau membaik dibandingkan tahun 2017 sebesar 2,45%. Laba bersih setelah pajak menjadi Rp150,01 triliun dari Rp131,16 triliun pada 2017 atau tumbuh sebesar 14,4% pada 2018, mengalami kontraksi jika dibandingkan pertumbuhan laba bersih setelah pajak pada 2017 sebesar 23,1%. Net Interest Margin (NIM) menjadi sebesar 5,14%, lebih rendah dari 5,32% pada periode yang sama tahun sebelumnya. Industri relatif lebih efisien karena biaya operasional atas pendapatan operasional (BOPO) menurun dari 78,64% menjadi 77,86%.
Berdasarkan SPI per Desember 2018, Pendapatan bunga bersih pada 2018 meningkat sebesar 5,3% dari Rp358,13 triliun pada 2017 menjadi Rp377,25 triliun. Kontributor utama dari pertumbuhan pendapatan bunga bersih ini adalah penyaluran kredit perbankan yang pada Desember 2018 tercatat sebesar Rp5.358 triliun, meningkat 12,0% dibanding tahun 2017 sebesar Rp4.782 triliun. Sementara perolehan dana pihak ketiga (DPK) tercatat sebesar Rp5.630 triliun, tumbuh 6,4% dibanding tahun 2017 sebesar Rp5.289 triliun. Pertumbuhan DPK tahun 2018 ini mengalami kontraksi jika dibandingkan dengan pertumbuhan DPK tahun 2017 sebesar 9,35%. Hal ini mencerminkan ketatnya likuiditas industri perbankan pada 2018 sebagaimana terlihat dari peningkatan Loan to Deposits Ratio (LDR) sebesar 94,78%, dimana LDR tahun 2017 tercatat sebesar 90,04%.
Namun, kinerja positif Bank secara keseluruhan Industri pada 2018 tidaklah merata. Terdapat ketimpangan antara Bank BUKU 3 dan BUKU 4, dengan Bank BUKU 1 dan BUKU 2 yang memiliki permodalan lebih kecil. Menurut SPI, laba Bank BUKU 1 tercatat turun 2,2% (YoY) dari Rp716 miliar pada 2017 menjadi Rp700 miliar pada 2018. Begitupun laba Bank BUKU 2 juga turun 10,7% menjadi Rp9,18 triliun pada 2018 dari Rp10,28 triliun pada 2017.
Sebaliknya, Bank yang memiliki permodalan lebih besar. Bank BUKU 3 mampu meningkatkan laba 17,7% dari Rp32,58 triliun pada 2017 menjadi Rp38,33 triliun pada 2018. Sedangkan laba Bank BUKU 4 meningkat 14,3% dari Rp86,59 triliun pada 2017 menjadi Rp98,998 triliun pada 2018.
The increase in interest rates and the weakening of the Rupiah due to uncertainty in the global economy has become a challenge for the national banking industry throughout 2018. However, the performance of the Indonesian banking sector in 2018 is still considered good, although in general the banking industry growth in 2018 contracted compared to the year previous. This is reflected in the Indonesian Banking Statistics (SPI) data. Where capital conditions such as the Capital Adequacy Ratio (CAR) in December 2018 were recorded at 22.97%, lower than the CAR in 2017 of 23.18%. The total assets of the Bank in December 2018 were recorded at Rp7,751.62 trillion, increasing9.2% compared to 2017 of Rp7,099.56 trillion. This total asset growth is slightly lower than the growth of Bank assets in 2017 of 9.6%.
In terms of bank profitability as an industry it is still adequate, Return on Assets (ROA) is 2.55%, or improved compared to 2017 of 2.45%. Net profit after tax became Rp150.01 trillion from Rp131.16 trillion in 2017 or grew by 14.4% in 2018, contracting compared to the growth of net profit after tax income in 2017 of 23.1%. Net Interest Margin (NIM) was 5.14%, lower than 5.32% in the same period the previous year. The industry is relatively more efficient because operational costs for operating income (BOPO) declined from 78.64% to 77.86%.
Based on SPI as of December 2018, net interest income in 2018 increased by 5.3% from Rp358.13 trillion in 2017 to Rp377.25 trillion. The main contributor to the growth of this net interest income was bank lending which in December 2018 was recorded at Rp5,358 trillion, increasing12.0% compared to 2017 amounting to Rp4,782 trillion. While the acquisition of third party funds was recorded at Rp5,630 trillion, growing 6.4% compared to 2017 amounting to Rp5,289 trillion. The growth of deposits in 2018 contracted when compared to the growth of deposits in 2017 of 9.35%. This reflects the tight liquidity of the banking industry in 2018 as seen from the increase in Loan to Deposits Ratio (LDR) of 94.78%, where the LDR in 2017 was recorded at 90.04%.
However, the Bank positive performance of overall Industry in 2018 is not evenly distributed. There is an imbalance between Bank BUKU 3 and BUKU 4, with Bank BUKU 1 and BUKU 2 that have smaller capitals. According to SPI, Bank BUKU 1’s profit was recorded to fall 2.2% (YoY) from Rp716 billion in 2017 to Rp700 billion in 2018. Likewise Bank BUKU 2’s profit also fell 10.7% to Rp9.18 trillion in 2018 from Rp10.28 trillion in 2017.
Conversely, banks that have greater capital. Bank BUKU 3 was able to increase 17.7% profit from Rp32.58 trillion in 2017 to Rp38.33 trillion in 2018. Meanwhile Bank BUKU 4 profit increased 14.3% from Rp86.59 trillion in 2017 to Rp98.998 trillion in 2018.
94 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Berdasarkan indikator-indikator tersebut diatas, meskipun kondisi perbankan secara industri menunjukkan peningkatan, namun terjadi ketimpangan antara Bank dengan permodalan besar dan Bank dengan permodalan kecil. Namun, secara keseluruhan industri masih terjaga dengan risiko kredit yang manageable, risiko likuiditas yang terjaga, profitabilitas yang stabil dan permodalan yang solid.
KinErjA MnC BAnK di induSTri PErBAnKAn Secara umum, kinerja MNC Bank masih berada di bawah industri. Kendati demikian, kinerja Bank terus menunjukkan peningkatan selama tahun 2018. MNC Bank berhasil membukukan laba bersih sebesar Rp57,02 miliar.
Berikut ini adalah perbandingan kinerja MNC Bank dalam industri perbankan dan kelompok Bank BUKU 2.
Dibandingkan dengan rata-rata pertumbuhan aset Bank BUKU 2 yang mengalami penurunan sebesar 2,1%, aset MNC Bank tumbuh sebesar 1,4%, meskipun masih dibawah pertumbuhan aset industri perbankan secara keseluruhan (9,2%).
Penyaluran kredit MNC Bank tumbuh sebesar 5,6% atau dibawah pertumbuhan kredit industri perbankan (12%) dan Bank BUKU 2 (9,1%).
Dari sisi pendanaan, dana pihak ketiga MNC Bank turun 6,2%, begitu pula dengan kelompok Bank BUKU 2 turun 4,1%. Sementara itu, rata-rata industri perbankan tumbuh sebesar 6,4%. Pertumbuhan dana pihak ketiga tersebut masih didominasi oleh Bank BUKU 3 dan BUKU 4.
Compared to the average growth of Bank BUKU 2 assets which decreased by 2.1%, MNC Bank assets grew by 1.4%, although it was still below the overall growth of banking industry assets (9.2%).
MNC Bank lending grew by 5.6% or below the banking industry credit growth (12%) and Bank BUKU 2 (9.1%).
In terms of funding, MNC Bank’s third party funds fell 6.2%, as did the Bank BUKU 2 group, decrease by 4.1%. Meanwhile, the average banking industry grew by 6.4%. The growth of third party funds is still dominated by Bank BOOK 3 and BOOK 4.
Based on the indicators above, even though the banking conditions in the industry showed an increase, there was an imbalance between large capitals banks and small capital banks. However, overall the industry is still maintained with manageable credit risk, maintained liquidity risk, stable profitability and solid capital.
mnc BAnk PerformAnce in the BAnkinG inDUstry In general, the performance of Bank is still below the industry. Nevertheless, the performance of MNC Bank continued to show improvement during 2018. MNC Bank managed to record a net profit of Rp57.02 billion.
The following is a comparison of the performance of MNC Banks in the banking industry and BUKU 2 banks.
Kinerja
Pertumbuhan 20182018 Growth
PerformancesMNC Bank (%) Industri Perbankan
(%)Bank BUKU 2
(%)
AsetAssets 1,4 9,2 -2,1 Di bawah industri, di atas Kelompok Bank BUKU 2
Below industry, above Group of BUKU 2 Banks
KreditLoans 5,6 12,0 9,1 Di bawah industri dan Kelompok Bank BUKU 2
Below industry and Group of BUKU 2 Banks
DPKThird Party Funds -6,2 6,4 -4,1 Di bawah industri dan Kelompok Bank BUKU 2
Below Industry and Group of BUKU 2 Banks
Tabel Kinerja Pertumbuhan Bank dibanding Rata-rata Industri dan Kelompok Bank BUKU 2Table of the Bank’s performances compared to average industry and BuKu 2 Bank
95Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
MNC Bank memiliki kegiatan usaha antara lain penyaluran kredit, menghimpun dana dan layanan transaksi keuangan perbankan. Sepanjang tahun 2018, MNC Bank melanjutkan upaya-upaya inovasi pengembangan produk dan layanan keuangan yang didukung teknologi digital. Kinerja usaha diukur berdasarkan kinerja produk dan layanan serta segmen nasabah. Kinerja produk dan layanan meliputi produk simpanan dan produk kredit. Sedangkan segmentasi nasabah meliputi segmen Wholesale, Usaha Kecil dan Menengah (UKM) dan Konsumer.
PrOduK SiMPAnAnMNC Bank menghimpun DPK sebesar Rp8,47 triliun pada 2018 yang terdiri dari Produk Simpanan Dana Murah atau Current Account Saving Account (CASA) berupa Tabungan dan Giro sebesar Rp1,53 triliun dan Dana Mahal atau Deposito Berjangka sebesar Rp 6,94 triliun. Saat ini rasio CASA dengan Deposito sebesar 18% berbanding 82%.
SEgMEnTASi nASABAhPorsi kredit Wholesale dan UKM mencapai 44,12% dari total kredit atau sebesar Rp3,31 triliun.
Kredit Konsumer mencapai 55,88% dari total kredit atau sebesar Rp4,20 triliun.
PrOduK KrEdiTMNC Bank menyalurkan kredit sebesar Rp7,51 triliun, naik 5,58% (YoY) dibandingkan tahun lalu sebesar Rp7,11 triliun. Melanjutkan strategi tahun sebelumnya, tahun 2018 MNC Bank tetap fokus pada kredit konsumer dan ritel.
STruKTur BiSniS
SimpananProduk Simpanan merupakan dana pihak ketiga yang berhasil dihimpun oleh Bank. Produk Simpanan terdiri dari produk Giro, Tabungan dan Deposito Berjangka, baik dalam mata uang Rupiah maupun Valuta Asing. Uraian terkait produk simpanan MNC Bank dijabarkan pada tabel berikut ini:
MNC Bank’s business activities include loan lending, public fund collecting and banking financial transaction services. Throughout 2018, MNC Bank continued efforts to innovate financial product and service development supported by digital technology. Business performance is measured based on the performance of products and services and the customer segment. Product and service performance includes savings and loans products. While customer segmentation includes the Wholesale, Small and Medium Enterprises (SME) and Consumer segments.
sAVinGs ProDUctsMNC Bank raised third party funds of Rp.8.47 trillion in 2018 consisting of Low Cost Funds Products (CASA) in the form of Savings and Current Accounts of Rp1.53 trillion and Time Deposits of Rp6.94 trillion. The composition of CASA products with Time Deposits is 18% compared to 82%.
cUstomer seGmentAtionWholesale and SME loan portions reached 44.12% of total loans or Rp3.31 trillion.
Consumer loans reached 55.88% of total loans or Rp4.20 trillion.
loAns ProDUctsMNC Bank channeled loans amounting to Rp7.51 trillion, increase by 5.58% (YoY) compared to last year’s Rp7.11 trillion. Continuing the strategy of the previous year, in 2018 the MNC Bank remained focused on consumer and retail loans.
BUsiness strUctUre
DepositsSavings Products are third party funds collected by the Bank. Savings products consist of current account, savings account and time deposits, both in Rupiah and foreign currencies. The description regarding MNC Bank deposit products is described in the following table:
tInjauanuSahaBusiness Overview
Pada tahun 2018, MNC Bank berhasil meningkatkan Rasio Dana Murah (CASA) sebesar 18,08% dibanding tahun 2017 sebesar 16,24%.
In 2018, MNC Bank successfully increased Low cost funds ratio (CASA) by 18.08% compared to 2017 at 16.24%.
96 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Produk 2018 2017Perubahan
Change ProductRp %
Giro 890.732 859.491 31.241 3,63 Current Account
Tabungan 640.617 606.961 33.656 5,55 Saving Account
Deposito Berjangka 6.938.607 7.561.257 (622.650) -8,23 Time Deposits
Total 8.469.956 9.027.709 (557.753) -6,18 Total
Rasio CASA 18,08% 16,24% 1,84 CASA Ratio
Tabel Dana Pihak KetigaTable of Third party funds
Tabel Komposisi dan Jumlah Dana Produk GiroTable of composition and Total current Account
Dalam Juta RupiahIn Million Rupiah
Dalam Juta RupiahIn Million Rupiah
Sepanjang tahun 2018, MNC Bank berhasil meningkatkan rasio dana murah (CASA) menjadi 18,08% dibanding tahun 2017 sebesar 16,24%. Hal ini merupakan strategi Bank untuk meningkatkan komposisi dana murah, khususnya simpanan nasabah ritel.
Throughout 2018, MNC Bank succeeded in increasing the ratio of low-cost funds (CASA) to 18.08% compared to 2017 at 16.24%. This is the Bank’s strategy to increase the composition of low-cost funds, especially retail customer deposits.
Produk 2018 KomposisiCompotition 2017 Komposisi
CompotitionPertumbuhan
Growth Product
Giro Rupiah 569.100 63,89% 717.446 83,47% -20,68% Current Account in Rupiah
Giro Valas 321.632 36,11% 142.045 16,53% 126,43% Current Account in Foreign Currency
Total 890.732 100,00% 859.491 100,00% 3,63% Total
Tabel Komposisi dan Jumlah Dana Produk TabunganTable of composition and Total Savings
Pada tahun 2018, perolehan Giro sebesar Rp 890,73 miliar, naik 3,63%, dibanding tahun 2017 yang sebesar Rp 859,49 miliar. Pertumbuhan tersebut seiring dengan strategi Bank dalam meningkatkan dana murah.
Giro MNC Bank didominasi oleh Rekening Giro Rupiah sebesar 63,89%, sedangkan porsi Rekening Giro Valas adalah 36,11% dari jumlah dana produk Giro.
In 2018, the acquisition of demand deposits amounted to Rp 890.73 billion, increase by 3.63%, compared to 2017 which amounted to Rp 859.49 billion. This growth is in line with the Bank’s strategy to increase low-cost funds.
MNC Bank Current Accounts are dominated by the Rupiah Demand Deposit Account of 63.89%, while the Foreign Currency Accounts portion is 36.11% of the total current accounts.
Tabungan savings
Produk 2018 KomposisiComposition 2017 Komposisi
CompotitionPertumbuhan
Growth Product
Tabungan MNC 477.226 74,49% 434.709 71,62% 9,78% Tabungan MNC
Tabungan Rencana MNC 14.963 2,34% 19.685 3,24% -23,99% Tabungan Rencana MNC
Tabungan MNC Junior 19.813 3,09% 20.690 3,41% -4,24% Tabungan MNC Junior
Tabungan MNC Program hadiah 5.917 0,92% 9.799 1,61% -39,62% Tabungan MNC Program
hadiah
Tabungan MNC Bisnis 45.222 7,06% 34.666 5,71% 30,45% Tabungan MNC Bisnis
Tabunganku 10.110 1,58% 13.813 2,28% -26,81% Tabunganku
Tabungan MNC lain-lain 67.366 10,52% 73.599 12,13% -8,47% Tabungan MNC lain-lain
Total 640.617 100,00% 606.961 100,00% 5,55% Total
Dalam Juta RupiahIn Million Rupiah
giro current Account
97Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Perolehan produk Tabungan MNC Bank pada tahun 2018 sebesar Rp 640,62 miliar, naik 5,55% dibanding tahun 2017 sebesar Rp 606,96 miliar. Pertumbuhan terutama dikontribusi oleh jenis produk Tabungan MNC dan Tabungan MNC Bisnis. Untuk meningkatkan produk tabungan, MNC Bank secara berkesinambungan melakukan inovasi terhadap produk tabungan termasuk melakukan program-program pemasaran untuk produk-produk unggulan serta meningkatkan infrastruktur dan layanan jasa perbankan.
Saat ini MNC Bank telah memiliki beberapa platform yang telah diluncurkan dan diperkenalkan kepada nasabah yaitu aplikasi Mobile Banking dan Internet Banking Corporate (MNC eBizz). Selain itu, Bank telah tergabung dalam jaringan kartu GPN dan telah terdaftar pada keanggotaan Bank dalam jaringan Lintasarta dan Prima ditujukan untuk mempermudah nasabah Bank bertransaksi melalui ATM.
The acquisition of MNC Bank Savings products in 2018 amounted to Rp 640.62 billion, increase by 5.55% compared to 2017 amounting to Rp 606.96 billion. The growth mainly contributed by MNC Savings products and MNC Business Savings. To improve savings products, MNC Bank continuously innovates on savings products including conducting marketing programs for superior products and improving infrastructure and banking services.
Currently MNC Bank has several platforms that have been launched and introduced to customers, namely Mobile Banking and Corporate Internet Banking (MNC eBizz) applications. In addition, the Bank has joined the GPN card network and has been registered with the Bank’s membership in the Lintasarta and Prima network aimed at facilitating Bank customers to transact through ATMs.
deposito time Deposit
Total Komposisi dan Jumlah Dana Produk DepositoTable of composition and Total Time deposit
Produk 2018 KomposisiCompotition 2017 Komposisi
CompotitionPertumbuhan
Growth Product
Deposito Rupiah 6.596.381 95,07% 6.914.412 91,45% -4,60% Deposito in Rupiah
Deposito Valas 342.226 4,93% 646.845 8,55% -47,09% Deposito in FCY
Total 6.938.607 100,00% 7.561.257 100,00% -8,23% Total
Dalam Juta RupiahIn Million Rupiah
Produk Deposito berjangka MNC Bank pada tahun 2018 sebesar Rp 6.938,61 miliar, menurun 8,23% dibanding tahun 2017 yang sebesar Rp 7.561,26 miliar. Penurunan terutama terjadi pada produk Deposito berjangka Valas sebesar 47,09%. Penurunan pada produk Deposito berjangka merupakan salah satu fokus dari strategi MNC Bank dalam mengurangi dana mahal.
KreditMNC Bank memiliki produk Kredit berdasarkan segmentasi nasabah yaitu Wholesale, UKM dan Konsumer. Penyaluran kredit MNC Bank pada tahun 2018 tercatat sebesar Rp7.511,63 miliar, tumbuh 5,58% dibanding tahun 2017 yang sebesar Rp7.114,92 miliar. Penyaluran kredit berdasarkan segmen nasabah diuraikan dalam tabel sebagai berikut:
MNC Bank Time Deposit Products in 2018 amounted to Rp 6,938.61 billion, there is a decrease of 8.23% compared to 2017 which amounted to Rp 7,561.26 billion. The decline mainly occurred in time deposit products for the foreign exchange currency amounted to 47.09%. The decline in product Time deposits is one of the focuses of MNC Bank’s strategy in reducing expensive funds.
loansMNC Bank has Loans products based on customer segmentation, namely Wholesale, Small and Medium Enterprises (SME) and Consumers. MNC Bank lending in 2018 was recorded at Rp7,511.63 billion, growing by 5.58% compared to 2017 which amounted to Rp7,114.92 billion. Loans lending based on customer segments is described in the table as follows:
Tabel Komposisi dan Jumlah Kredit yang DiberikanTable of composition and Total Loans
Dalam Juta RupiahIn Million Rupiah
Segmen Nasabah 2018 KomposisiComposition 2017 Komposisi
CompostionPertumbuhan
Growth Customer Segment
Wholesale 2.946.188 39,22% 2.954.878 41,53% -0,29% Wholesale
UKM 368.137 4,90% 460.243 6,47% -20,01% SME
Konsumer 4.197.308 55,88% 3.699.801 52,00% 13,45% Consumer
Total 7.511,633 100,00% 7.114.922 100,00% 5,58% Total
98 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
wholesaleSegmen bisnis Wholesale menyediakan fasilitas pembiayaan untuk sektor korporasi. Pada tahun 2018, penyaluran kredit segmen Wholesale mencapai Rp2.946,19 miliar dengan kontribusi sebesar 39,22% dari total kredit yang disalurkan MNC Bank.
usaha Kecil dan Menengah (uKM)Penyaluran kredit di segmen UKM sebesar Rp368,14 miliar, turun 20,01% dibanding tahun 2017.
KonsumerSegmen Konsumer MNC Bank mempunyai beberapa produk utama seperti Mortgage, Multifinance, Kartu Kredit dan Implant Banking. Penyaluran kredit Konsumer pada tahun 2018 sebesar Rp4.197,31 miliar, naik 13,45% dibanding tahun 2017 sebesar Rp3.699,80 miliar. Porsi kredit Konsumer mencapai 55,88% dari total penyaluran kredit MNC Bank di tahun 2018.
Mortgage/KPrProduk Mortgage merupakan Kredit Pemilikan Properti (KPP) dan Kredit Konsumsi Beragun Properti (KKBP).
Pada tahun 2018 Mortgage Business merubah segmen pasar dengan memperbesar kredit baru segmen refinancing melalui produk Kredit Konsumsi Beragun Properti (KKBP) dan Kredit Multiguna (KMG). Perubahan segmen pasar dilakukan dengan pertimbangan : 1. Produk kredit refinancing memberikan pendapatan bunga
lebih tinggi dibandingkan kredit untuk pemilikan properti.
2. Persaingan kredit refinancing dipasar masih dalam batas toleransi dengan “price war” yang dalam kondisi wajar.
3. Loan to Value (LTV) untuk kredit refinancing lebih rendah
sehingga kualitas kredit terjaga.
Kinerja dari segmen Mortgage selama tahun 2018 adalah sebagai berikut:1. Selama 2018 portofolio Mortgage tumbuh 4,13%
menjadi Rp1.753 triliun dari Rp1.683 triliun di akhir tahun 2017. Pertumbuhan ini didukung pencairan kredit baru Mortgage sebesar Rp486 miliar selama tahun 2018
2. Suku bunga kredit baru yang diberikan naik 2%
Pencapaian tersebut didukung oleh pelaksanaan strategi yang ditetapkan sebagai berikut:1. Perubahan segmen pasar dengan memperbesar porsi
kredit baru dari segmen refinancing.2. Fokus pada 4 area besar (Jabodetabek, Bandung,
Surabaya dan Bali).3. Peningkatan peran cabang Bank sebagai saluran
distribusi.
Tahun 2019 Mortgage akan fokus pada 3 strategi utama yaitu:1. Fokus pada produk kredit refinancing yang menghasilkan
revenue lebih tinggi dibandingkan produk kredit pemilikan properti.
wholesaleThe Wholesale business segment provides financing facilities for the corporate sector. In 2018, lending to the Wholesale segment reached Rp2,946.19 billion with a contribution of 39.22% of the total loans granted by MNC Bank.
small and medium enterprises (sme)Loans in the SME segment amounted to Rp368.14 billion, decrease by 20.01% compared to 2017.
consumerMNC Bank Consumer Segments have several main products such as Mortgage, Multifinance, Credit Cards and Implant Banking. Consumer lending in 2018 amounted to Rp4,197.31 billion, increase by 13.45% compared to 2017 amounting to Rp3,699.80 billion. The Consumer loan portion reached 55.88% of the total MNC Bank lending in 2018.
mortgage/kPrMortgage Products are Property Ownership Loans and Property-Backed Consumer Loans.
In 2018 Mortgage Business changed the market segment by enlarging the new loan refinancing segment through the Beragun Properti (KKBP) and Multipurpose Loans (KMG) Consumer Loans products. Changes in market segments are carried out with consideration:1. Refinancing Loans products provide higher interest
income than loans for property ownership.
2. Competition for refinancing loans in the market is still within the tolerance limit with a “price war” which is in reasonable condition.
3. Loan to Value (LTV) for lower refinancing loans so that credit quality is maintained.
The performance of the Mortgage segment during 2018 is as follows:1. During 2018 the Mortgage portfolio grew 4.13% to
Rp1,753 billion from Rp1,683 billion at the end of 2017. This growth was supported by the disbursement of new Mortgage loans of Rp486 billion during 2018
2. New lending rates given increase by 2%
This achievement is supported by the implementation of the strategies set out as follows:1. Changes in market segment by enlarging the portion of
new loans from the refinancing segment.2. Focus on 4 large areas (Jabodetabek, Bandung,
Surabaya and Bali).3. Increasing the role of the branch of the Bank as a
distribution channel.
2019 Mortgage will focus on 3 main strategies, namely:
1. Focus on refinancing loans products that generate higher revenue than property loan products.
99Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
2. Memberikan kredit dengan Loan to Value rendah untuk menjaga kualitas kredit yang diberikan.
3. Memberikan fleksibilitas pada proses kredit dengan penyederhanaan dokumen kredit
Selain 3 strategi utama diatas, untuk meningkatkan pemasaran produk refinancing dilakukan segmentasi cabang Bank sehingga target pemasaran dan infrastruktur yang diberikan kepada cabang akan disesuaikan dengan kondisi dan potensi yang dimiliki oleh masing-masing cabang.
MultifinanceMultifinance Group (MFG) adalah suatu bagian yang khusus menangani pemberian fasilitas kepada perusahaan multifinanace. MFG terbentuk di tahun awal tahun 2015 (sebelumnya bernama Auto Motorcycle Loan Group disingkat AMLG) dan dikepalai oleh seorang Group Head yang membawahi 3 orang Division Head yang mengepalai masing-masing divisi antara lain: Divisi Business & Sales, Divisi Loan Processing serta Divisi Quality Assurance & Portfolio Management.
Pada 2018 MNC Bank lebih selektif dalam memberikan kredit kepada multifinance dengan melihat peluang pasar yang ada dan tetap mengedepankan prinsip kehati-hatian, yang antara lain dilakukan dengan cara:1. memfokuskan pembiayaan dan refinancing pada
kendaraan passenger dan commercial car.2. lebih selektif dalam pembiayaan Kendaraan roda dua,
tiga dan empat dengan kegunaan produktif.3. cover area yang dibiayai untuk cabang multifinance
dengan DPD < 5%4. tiket size mobil minimal Rp50 juta dan rumah maksimal
80% dari Nilai Jual Obyek Pajak (NJOP) atau maksimal 90% dari nilai likuidasi
5. lebih selektif dalam pembiayaan untuk kendaraan, dengan menentukan hanya segmen tertentu saja yang boleh diberikan, atau segmen khusus yang dapat diberikan pembiayaan.
Selain itu pada tahun 2018 Multifinance Group hanya fokus kerjasama kepada 15-20 perusahaan multifinance (exsisting dan baru), dan pada tahun 2018 bekerjasama dengan Treasury mengeluarkan produk Money Market Line (MLM) untuk perusahaan multifinance. Sehingga pada tahun 2018 Multifinance Group akan memiliki beberapa produk, baik itu yang sudah ada di tahun 2017 maupun yang baru di tahun 2018, yaitu :1. Fasilitas Joint Financing Kendaraan dan property 2. Account Receivables Financing3. Pinjaman Rekening Koran4. Money Market Line
Selama tahun 2018, portfolio produk multifinance telah mencapai Rp1.730 miliar, meningkat sebesar Rp412 miliar dibanding tahun 2017 yang sebesar Rp1.318 miliar.
2. Providing loans with a low Loan to Value to maintain the quality of loans provided.
3. Provides flexibility on the credit process by simplifying credit documents
In addition to the 3 main strategies above, to improve refinancing product marketing Bank branch segmentation is carried out so that the marketing targets and infrastructure provided to the branch will be adjusted to the conditions and potential of each branch.
multifinanceThe Multifinance Group (MFG) is a section that specifically handles the provision of facilities to multifinanace companies. MFG was formed in the beginning of 2015 (previously called Auto Motorcycle Loan Group abbreviated as AMLG) and headed by a Group Head who oversees 3 Division Heads who head each division including: Business & Sales Division, Loan Processing Division and Quality Assurance Division & Portfolio Management.
In 2018 the MNC Bank is more selective in giving loans to multi-finance companies by looking at existing market opportunities and promoting the principle of prudence, which among others is done by:1. focusing financing and refinancing on passenger
vehicles and commercial cars.2. more selective in financing two, three and four wheels
vehicles with productive use.3. covering financed areas for multi-branch branches with
a DPD <5%4. a minimum car ticket size of Rp50 million and a
maximum house of 80% of the Tax Object Selling Value (NJOP) or a maximum of 90% of the value of liquidation
5. more selective in financing for vehicles, by determining only certain segments that can be given, or special segments that can be given financing.
In addition, in 2018 the Multifinance Group only focuses on cooperation with 15-20 multifinance companies (exsisting and new), and in 2018 in collaboration with Treasury to issue a Money Market Line (MLM) product for multi-finance companies. So that by 2018 the Multifinance Group will have several products, both of which already exist in 2017 and new in 2018, namely:
1. Joint financing facility for vehicles and property2. Account Receivables Financing3. Current Account Loans4. Money Market Line
During 2018, multi-product portfolios reached Rp1,730 billion, increasing Rp412 billion compared to 2017 which amounted to Rp1,318 billion.
100 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Fasilitas atau plafond kredit tahun 2018 diberikan kepada 15-20 perusahaan multifinance di Indonesia dan terdiri dari antara lain:1. Fasilitas Joint Financing Kendaraan, yaitu fasilitas
kerjasama antara MNC bank melalui MFG dengan perusahaan multifinance dalam pemberian kredit / pembiayaan kepada debitur dalam pembelian kendaraan bermotor, dengan total kredit yang diberikan sebesar Rp1.233 miliar kepada 10 perusahaan multifinance.
2. Account Receivables Financing, yaitu fasilitas kredit yang diberikan kepada perusahaan multifinance untuk pembiayaan piutang, dengan total kredit yang diberikan sebesar Rp382 miliar kepada 8 perusahaan multifinance.
3. Pinjaman Rekening Koran, yaitu fasilitas kredit yang diberikan kepada perusahaan multifinance dalam bentuk rekening Giro, yang dapat digunakan sesuai dengan kebutuhan, untuk fasilitas ini telah diberikan kredit sebesar Rp13 miliar.
Kartu KreditMNC Bank berhasil mencatatkan pertumbuhan penerbitan kartu kredit baru sebesar 43.500 kartu baru di tahun 2018, sehingga posisi jumlah kartu meningkat sebanyak 5% dari 160.000 kartu menjadi 169.000 kartu.
Dari sisi baki debet, kartu kredit mencatatkan pertumbuhan yang sangat signifikan yaitu sebesar Rp169 miliar menjadi Rp583 miliar atau naik sebesar 40% dibanding tahun 2017. Kenaikan ini diakibatkan oleh adanya kenaikan volume transaksi tahunan sebesar Rp510 miliar atau naik sebesar 44% di tahun 2017.
Sepanjang tahun 2018, MNC Bank memprioritaskan program marketing untuk mengaktifkan kartu kartu yang belum aktif sehingga nilai transaksi naik cukup tinggi dan berdampak pada kenaikan baki debet kartu kredit MNC Bank.
Strategi bisnis yang mengedepankan optimalisasi pemakaian kartu kredit ini ditopang dengan sosialisasi pemakaian aplikasi punyakartu yang lebih maksimal. Aplikasi punyakartu yang dimiliki oleh MNC Bank mempunyai keunggulan dalam segi keamanan transaksi bagi pemegang kartu kredit MNC Bank dengan memberikan fasilitas notifikasi ‘real time’ untuk semua transaksi yang dilakukan oleh pemegang kartu kredit menggunakan kartu kredit MNC Bank. Selain itu, aplikasi punyakartu juga menyajikan promo program–promo program yang sedang berjalan sehingga nasabah dapat terinformasi dengan lebih baik, menyajikan ringkasan tagihan kartu kredit dan juga berbagai fasilitas yang memudahkan penggunaan kartu kredit MNC Bank.
implant BankingPada tahun 2018 Implant Banking mencatatkan outstanding portfolio KTA sebesar Rp. 103,7 miliar, atau 90% dari target RBB tahun 2018. Tahun 2018 merupakan tahun yang penuh dengan tantangan bagi bisnis Implant Banking. Hal tersebut antara lain disebabkan oleh gencarnya proses ambil alih nasabah MNC Bank yang dilakukan oleh Bank kompetitor.
The loans facility or ceiling in 2018 is given to 15-20 multifinance companies in Indonesia and consists of:
1. Vehicle Joint Financing Facility, which is a collaboration facility between MNC banks through MFG and multi-finance companies in providing loans / financing to debtors in purchasing motorized vehicles, with total loans granted amounting to Rp1,233 billion to 10 multifinance companies.
2. Account Receivables Financing, namely loans facilities given to multifinance companies for financing receivables, with total loans granted amounting to Rp382 billion to 8 multifinance companies.
3. Current Account Loans, namely loans facilities given to multi-finance companies in the form of Giro accounts, which can be used according to needs, for this loans facility of Rp13 billion has been provided.
credit cardMNC Bank managed to record a growth of new credit card issuance of 43,500 new cards in 2018, so the position of the cards number increased by 5% from 160,000 cards to 169,000 cards.
In a segment of the debit tray, credit cards recorded a very significant growth of Rp 169 billion to Rp 583 billion or increasing 40% compared to 2017. This increase was caused by an increase in the annual transaction volume of Rp 510 billion or up by 44% in 2017.
Throughout 2018, MNC Bank prioritized marketing programs to activate cards that were not active so that the transaction value rose quite high and had an impact on the debit of the MNC Bank credit card.
The business strategy that prioritizes optimizing the use of credit cards is supported by the maximization of the use of even more maximized application cards. The card applications owned by MNC Bank have an advantage in terms of transaction security for MNC Bank credit card holders, among others, by providing a ‘real time’ notification facility for all transactions made by MNC Bank credit card holders. In addition, punyakartu app also presents promos that are currently running so that customers can be better informed, presents a summary of credit card bills, as well as various facilities that facilitate the use of MNC Bank credit cards.
implant BankingIn 2018, Implant Banking recorded an outstanding KTA portfolio of Rp. 103.7 billion, or 90% from the target of the 2018 RBB. 2018 became a year with full of challenges for the Implant Banking business. It was partly due to the persistent attempt of taking over MNC Bank customers, carried out by the competitor banks.
101Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Strategi bisnis yang dilakukan sepanjang tahun 2018 adalah fokus kepada target market dalam value chain MNC Group serta dari nasabah MNC Bank yang sudah ada yang memiliki riwayat performa bisnis yang baik. Langkah strategis ini dimaksudkan agar kredit dapat bertumbuh selain kualitas kredit yang dapat terjaga dengan baik.
Untuk strategi tahun 2019, Bank akan fokus melakukan penambahan akuisisi kerjasama baru dengan instasi, koperasi dan perusahaan, yang difokuskan di Jabodetabek, Semarang, Medan dan Surabaya. Selain itu, Bank juga akan dilakukan optimalisasi akuisisi penjualan kepada calon nasabah dengan cara melakukan penjualan langsung di lokasi kantor mitra kerjasama, serta menggunakan pemasaran below the line seperti sosialisasi dan open table. Sesuai komitmen kami untuk terus memberikan layanan dan manfaat terbaik kepada para mitra kerjasama, MNC Bank memperlengkap layanan dan produknya, salah satunya adalah pengembangan produk KTA Pra-Pensiun yang dapat dinikmati oleh para pegawai mitra kerjasama yang memenuhi kriteria.
jasa Treasury • Foreign Exchange Transaction :
- Foreign Exchange Today (Today) Transaksi untuk mempertukarkan suatu mata uang terhadap mata uang lainnya dengan penyerahan pada hari yang sama dengan hari transaksi.
- Foreign Exchange Tomorrow (Tom) Transaksi untuk mempertukarkan suatu mata uang terhadap mata uang lainnya pada hari transaksi dengan penyerahan satu hari kerja setelah tanggal transaksi.
- Foreign Exchange Spot (Spot) Transaksi untuk mempertukarkan suatu mata uang terhadap mata uang lainnya pada hari transaksi dengan penyerahan dua hari kerja setelah tanggal transaksi.
- Foreign Exchange Forward (Forward) Transaksi/kontrak penjualan atau pembelian suatu mata uang terhadap mata uang lainnya dalam jumlah dan harga tertentu dengan penyerahan dan penerimaan dana dilaksanakan lebih dari 2 (dua) hari kerja sejak tanggal transaksi.
- Foreign Exchange Swap (Swap) merupakan transaksi/kontrak untuk mempertukarkan mata uang terhadap mata uang lainnya pada tanggal valuta tertentu sekaligus dengan perjanjian untuk mempertukarkan kembali ke mata uang asalnya tersebut pada tanggal valuta berbeda di masa yang akan datang. Harga/rate yang digunakan pada kedua transaksi ditentukan pada tanggal transaksi, dan kedua transaksi tersebut dilaksanakan sekaligus dengan counterparty yang sama.
• Obligasi Retail Pada tahun 2018, segmen bisnis treasuri menghasilkan pendapatan sebelum pajak sebesar Rp 70,07 miliar, dibanding tahun 2017 sebesar Rp 116,15 miliar.
Penurunan pendapatan sebelum pajak terjadi karena kondisi pasar obligasi yang menurun dan berkurangnya aset yang dikelola treasuri.
The business strategy carried out throughout 2018 is to focus on the target market in MNC Group’s value chain and from the existing MNC Bank customers who have a history of good business performance. This strategic step is intended to make credit growing in addition to the maintenance of credit quality.
For the 2019 strategy, the Bank will focus on adding new acquisitions to institutions, cooperatives and companies, focusing on Jabodetabek area, Semarang, Medan and Surabaya. In addition, the Bank will also optimize the acquisition of sales to prospective customers by conducting direct selling at the location of collaborative partner offices, as well as using below the line marketing strategy such as socialization and open tables. In accordance with our commitment to continually provide the best services and benefits to the collaborative partners, MNC Bank completes its services and products, one of which is the development of Pre-Pension KTA products for the collaborative partner employees that meet the criteria.
treasury services• Foreign Exchange Transaction:
- Foreign Exchange Today (Today) Type of transaction to exchange a currency against another currency with delivery on the same day as the day of the transaction.
- Foreign Exchange Tomorrow (Tom) Type of transaction to exchange a currency against another currency on the day of the transaction with the delivery of one business day after the transaction date.
- Foreign Exchange Spot (Spot) Type of transaction to exchange a currency against another currency on the day of the transaction with the delivery of two working days after the transaction date.
- Foreign Exchange Forward (Forward) Transaction/contract of sale or purchase of a currency against another currency in a certain amount and price with the delivery and receipt of funds carried out more than 2 (two) working days from the transaction date.
- Foreign Exchange Swap (Swap) Transaction/contract to exchange a currency against another currency on a certain currency date at the same time with an agreement to exchange it back to the original currency on a different exchange date in the future. The price/rate used in both transactions is determined on the transaction date, and both transactions are carried out simultaneously with the same counterparty.
• Retail Bonds
In 2018, the treasury business segment earned income before tax of Rp 70.07 billion, compared to 2017 of Rp 116.15 billion.
The decrease in income before tax occurred due to the declining condition of bond market and the decrease in assets managed by treasury.
102 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
PAngSA PASAr BErdASArKAn ASET Pada tahun 2018, pangsa aset MNC Bank terhadap total aset industri sebesar 0,14%. MNC Bank terus berupaya untuk meningkatkan aset seperti tercantum dalam Rencana Bisnis Bank.
mArket shAre BAseD on AssetsIn 2018, MNC Bank’s share of assets to total industrial assets was 0.14%. MNC Bank continues to strive to increase assets as stated in the Bank’s Business Plan.
Uraian 2018 2017 Description
Jumlah Aset
Industri 7.751,62 7.099,56 Industri Total Assets MNC Bank 10,85 10,71 MNC Bank
Pangsa Pasar 0,14% 0,15% Pangsa Pasar
Jumlah Dana Pihak Ketiga
Industri 5.630,45 5.289,38 Industri Total Third-Party Fund MNC Bank 8,47 9,03 MNC Bank
Pangsa Pasar 0,15% 0,17% Pangsa Pasar
Jumlah Kredit
Industri 5.358,01 4.781,93 Industri Total Loans
MNC Bank 7,51 7,11 MNC Bank
Pangsa Pasar 0,14% 0,15% Pangsa Pasar
Tabel Kinerja Pertumbuhan Bank dibanding Rata-rata IndustriTable of Bank’s performance compared to Average industry
Dalam Triliun RupiahIn Trillion Rupiah
Pada tahun 2019, MNC Bank berusaha memperluas cakupan pelayanan transaksi jual/beli mata uang asing ke kantor-kantor cabang di seluruh Indonesia, tidak hanya di wilayah Jabodetabek saja. Untuk memperluas pelayanan MNC Bank mengimplementasikan aplikasi bisnis SmartFX (FXOne) untuk merekam transaksi jual/beli mata uang asing dari seluruh kantor cabang. Pendapatan dari transaksi ini, meningkatkan pendapatan dari komisi transaksi dan selisih kurs
TingKAT SuKu BungA PEnghiMPunAn dAn PEnyEdiAAn dAnA
SimpananPada tahun 2018, tingkat bunga efektif simpanan dalam rupiah rata-rata per tahun MNC Bank untuk giro 2,73%, tabungan 2,23%, dan deposito berjangka 6,89%. Sedangkan pada 2017, tingkat bunga efektif rata-rata per tahun MNC Bank untuk giro 2,74%, tabungan 2,16%, dan deposito berjangka 7,61%. Perubahan tingkat bunga disesuaikan dengan regulasi, keadaan pasar, dan rentabilitas MNC Bank.
KreditPada tahun 2018, tingkat bunga efektif rata-rata kredit dalam rupiah per tahun MNC Bank untuk kredit investasi 14,49%, kredit modal kerja 13,93%, kredit konsumsi 12,74%, dan kartu kredit 26,83%. Sedangkan pada 2017, tingkat bunga efektif rata-rata per tahun MNC Bank untuk kredit investasi 17,77%, kredit modal kerja 13,73%, kredit konsumsi 13,22%, dan kartu kredit 30,25%. Perubahan tingkat bunga disesuaikan dengan regulasi, risiko pasar, dan rentabilitas MNC Bank.
KinErjA MnC BAnK diBAndingKAn dEngAn induSTriKinerja MNC Bank dalam perolehan Aset, DPK dan Kredit serta rasio-rasio keuangan dalam industri (Bank Umum) pada periode 2017-2018 adalah sebagai berikut:
In 2019, MNC Bank makes an attempt to expand the coverage of services to sell/buy foreign currency transaction to branch offices throughout Indonesia, not only in Jabodetabek area. To expand MNC services, the Bank implements the SmartFX business application (FXOne) to record foreign currency sale/purchase transactions from all branch offices. Income from this transaction increases the earning from commission transaction and foreign exchange difference.
TingKAT SuKu BungA PEnghiMPunAn dAn PEnyEdiAAn dAnA
DepositsIn 2018, MNC Bank average annual effective interest rate for deposits in current account are 2,73%, savings 2,23%, and time deposits 6,89%. While in 2017, average annual effective interest rate for deposits in current account 2,74%, savings 2,16%, and time deposits 7,61%. Changes in interest rate is adjusted in refference with regulation, market condition, and MNC Bank rentable aspect.
loanIn 2018, average annual effective interest rate for loans in investment loans are 14,49%, working capital loans 13,93%, customer loans 12,74%, and credit card 26,83%. While in 2017, average annual effective interest rate for loans in investment loans are 17,77%, working capital loans 13,73%, customer loans 13,22%, and credit card 30,25%. Changes in interest rate is adjusted in refference with regulation, market risk, and MNC Bank rentable aspect.
mnc BAnk PerformAnce comPAreD to inDUstryMNC Bank’s performance in obtaining assets, deposits and loans as well as financial ratios in the industry (commercial banks) in the 2017-2018 period are as follows:
103Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel Perbandingan Rasio Keuangan dengan Rata-rata Industri Bank UmumTable of comparison of financial and Average industry ratio of commercial Banks
Uraian 2018 2017 Description
CAR
Industri 22,97% 23,18% Industry CAR
MNC Bank 16,27% 12,58% MNC Bank
BOPO
Industri 77,86% 78,64% Industry BOPO
MNC Bank 93,51% 180,62% MNC Bank
ROA
Industri 2,55% 2,45% Industry ROA
MNC Bank 0,74% -7,47% MNC Bank
LFR
Industri 94,78% 90,04% Industry LFR
MNC Bank 88,64% 78,78% MNC Bank
Pada tahun 2018, rasio kecukupan modal (KPMM) MNC Bank sebesar 16,27%, atau masih dibawah industri perbankan yang sebesar 22,97%. Namun demikian, rasio KPMM MNC Bank mengalami peningkatan yang cukup signifikan dibanding tahun 2017, hal ini terutama disebabkan MNC Bank berhasil membukukan laba bersih sebesar Rp57,02 miliar.
Rasio biaya operasional atas pendapatan operasional (BOPO) MNC Bank sebesar 93,51%, atau masih dibawah industri perbankan sebesar 77,86%. Namun demikian, rasio BOPO MNC Bank mengalami perbaikan dibandingkan tahun 2017 yang sebesar 180,62%. Upaya-upaya yang dilakukan MNC Bank untuk menurunkan BOPO antara lain dengan melakukan efisiensi biaya operasional, meningkatkan marjin bunga bersih, pendapatan operasional dan recovery atas kredit yang telah dihapus buku.
ROA MNC Bank juga telah menunjukkan angka positif berkat peningkatan aset serta perolehan laba bersih. Sementara pada tahun sebelumnya MNC Bank membukukan ROA negatif sebagai dampak dari penurunan nilai aset serta kerugian yang signifikan.
LFR MNC Bank pada tahun 2018 sebesar 88,64% atau meningkat dibanding tahun 2017 yang sebesar 78,78%, dan berada dibawah industri, Namun tingkat likuiditas MNC Bank terjaga dengan baik dan stabil.
In 2018, MNC Bank’s capital adequacy ratio (KPMM) was 16.27%, or still below the banking industry of 22.97%. However, the MNC Bank’s KPMM ratio experienced a significant increase compared to 2017, mainly because the MNC Bank managed to record a net profit of Rp57.02 billion.
MNC Bank’s operational cost ratio for operating income (BOPO) is 93.51%, or still below the banking industry at 77.86%. However, MNC Bank’s BOPO ratio has improved compared to 2017 which amounted to 180.62%. The efforts made by MNC Bank to reduce BOPO include efficiency in operating costs, increasing net interest margins, operating income and recovery of loans that have been deleted.
MNC Bank ROA has also shown a positive number thanks to the increase in assets and net income. While in the previous year MNC Bank recorded a negative ROA as a result of decrease in assets value and significant losses.
MNC Bank LFR in 2018 amounted to 88.64% or increased compared to 2017 which amounted to 78.78%, and still below the industry, however the liquidity level of MNC Bank are still well maintained and stable.
PAngSA PASAr BErdASArKAn dAnA PihAK KETigA MNC Bank memiliki pangsa pasar DPK sebesar 0,15% terhadap total DPK industri perbankan umum di tahun 2018. Strategi yang akan dijalankan ditahun 2019 adalah fokus pada akuisisi nasabah baru untuk memperbesar customer base dan meningkatkan komposisi dana murah, khususnya simpanan nasabah ritel.
PAngSA PASAr BErdASArKAn KrEdiT Pada tahun 2018, pangsa kredit MNC Bank sebesar 0,14% terhadap total kredit industri perbankan. MNC Bank berusaha untuk memperbesar pangsa kredit terutama melalui kredit sektor konsumer dan ritel yang didukung segmen korporasi dan komersial/SME.
PErBAndingAn rASiO KEuAngAn dEngAn rATA-rATA induSTri
mArket shAre BAseD on thirD PArty fUnDsMNC Bank has a DPK market share of 0.15% of total banking industry deposits in 2018. The strategy to be implemented in 2019 is to focus on the acquisition of new customers to enlarge customer base and increase the composition of low-cost funds, especially retail customer deposits.
creDit BAseD mArket shAreIn 2018, MNC Bank’s credit share was 0.14% of the banking industry’s total credit. MNC Bank is strives to increase the share of credit, especially through consumer and retail sector loans supported by the corporate and commercial segments/SMEs.
comPArison of finAnciAl AnD AVerAGe inDUstry rAtio
104 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
tInjauan Dan analIsakeuanganFinancial Reviews and Analysis
Analisa dan Pembahasan Manajemen mengenai tinjauan keuangan berikut disusun berdasarkan Laporan Keuangan MNC Bank untuk tahun yang berakhir 31 Desember 2018 yang telah diaudit oleh Kantor Akuntan Publik Kanaka Puradiredja, Suhartono (anggota Nexia International) sesuai dengan laporan Auditor Independen No.00164/3.0357/AU.1/07/0126/1/III/2019 tanggal 26 Maret 2019 dengan pendapat wajar tanpa modifikasian dalam semua hal yang material, posisi keuangan PT Bank MNC Internasional Tbk tanggal 31 Desember 2018 serta kinerja keuangan dan arus kasnya untuk tahun yang berakhir pada tanggal tersebut, sesuai dengan Standar Akuntansi Keuangan di Indonesia.
Laporan Keuangan MNC Bank juga disampaikan dalam bab terakhir Laporan Tahunan ini.
Management Discussion and Analysis of the following financial reviews is prepared based on MNC Bank’s Financial Statements for the years ended 31 December 2018 audited by Kanaka Puradiredja Public Accountant Office, Suhartono (Nexia International member) in accordance with the Independent Auditor’s report No.00164 / 3.0357 / AU.1 / 07/0126/1 / III / 2019 dated March 26, 2019 with reasonable opinions without modification, in all material respects, the financial position of PT Bank MNC International Tbk dated December 31, 2018 and its financial performance and cash flow for the year ended that date, in accordance with the Financial Accounting Standards in Indonesia.
MNC Bank Financial Reports are also submitted in the last chapter of this Annual Report.
LAPOrAn POSiSi KEuAngAn
ASET
stAtements of finAnciAl Position
Assets
Laporan Posisi Keuangan 2018 2017PerubahanChanges Statement of Financial Position
Rp %
Total Aset 10.854.855 10.706.094 148.761 1,39 Total assets
Total Liabilitas 9.424.865 9.453.546 (28.681) -0,30 Total Liabilities
Total Ekuitas 1.429.990 1.252.548 177.442 14,17 Total Equity
Total Liabilitas dan Ekuitas 10.854.855 10.706.094 148.761 1,39 Total Liabilities and Equity
Tabel Laporan Posisi KeuanganTable of Statements of financial position
Tabel AsetTable of Assets
Dalam Juta RupiahIn Million Rupiah
Dalam Juta RupiahIn Million Rupiah
Aset 2018 2017PerubahanChanges Assets
Rp %
Aset Keuangan 9.968.365 9.922.530 45.835 0,46 Financial Assets
Aset Non Keuangan 886.490 783.564 102.926 13,14 Non-Financial Assets
Total Aset 10.854.855 10.706.094 148.761 1,39 Total Assets
Pada tahun 2018, total Aset MNC Bank sebesar Rp10.854,85 miliar, meningkat 1,39% dibanding tahun 2017 yang sebesar Rp10.706,09 miliar. Peningkatan aset ini disebabkan peningkatan aset keuangan dan aset non-keuangan sebesar 0,46% dan 13,14%, masing-masing menjadi sebesar Rp9.968,37 miliar dan Rp886,49 miliar.
In 2018, the total assets of MNC Bank amounted to Rp10,854.85 billion, increasing 1.39% compared to 2017 which amounted to Rp10,706.09 billion. This increase in assets was due to an increase in financial assets and non-financial assets by 0.46% and 13.14%, respectively to Rp9,968.37 billion and Rp886.49 billion.
105Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel Jenis KreditTable of Type of Loan
Tabel Aset KeuanganTable of financial Assets
Dalam Juta RupiahIn Million Rupiah
Dalam Juta RupiahIn Million Rupiah
Aset Keuangan 2018 2017PerubahanChanges Financial Assets
Rp %
Kas 173.207 121.769 51.438 42,24 Cash
Giro pada Bank Indonesia 408.893 603.840 (194,947) -32,28 Demand Deposits with Bank Indonesia
Giro pada Bank Lain- Pihak Ketiga 257.890 192.564 65.326 33,92 Demand Deposits with Other Bank
- Third Parties
Penempatan pada BI dan Bank Lain- Pihak Ketiga 890.483 1.117.872 (227.389) -20,34 Placement with BI and Other Bank
- Third Parties
Efek-efek Pihak Ketiga – Bersih 927.423 1.101.137 (173.714) -15,78 Securities Third Parties - Net
Tagihan Derivatif - Pihak Ketiga 1.082 20 1.062 n/a Derivative Recevaibles - Third Parties
Kredit – Bersih 7.272.968 6.783.806 489.162 7,21 Loans - Net
Tagihan Akseptasi - Pihak Ketiga 36.419 1.522 34.897 n/a Acceptances Recevaibles - Third Parties
Total 9.968.365 9.922.530 45.835 0,46 Total
Aset Keuangan MNC Bank pada tahun 2018 sebesar Rp9.968,37 miliar, meningkat 0,46% atau Rp45,84 miliar. Peningkatan aset keuangan terutama disebabkan adanya peningkatan kredit yang diberikan.
KAS MNC Bank memiliki kas sebesar Rp173,21 miliar, meningkat 42,24% dibanding tahun 2017 sebesar Rp121,77 miliar. Kas sebagian besar dalam mata uang Rupiah. Peningkatan kas terutama disebabkan oleh aktivitas pendanaan.
KrEdiT
MNC Bank’s Financial Assets in 2018 amounted to Rp9,968.37 billion, increasing 0.46% or Rp45.84 billion. The increase in financial assets was mainly due to an increase in credit loans.
cAshMNC Bank has cash of Rp173.21 billion, increasing 42.24% compared to 2017 of Rp121.77 billion. Cash is mostly in Rupiah. The increase in cash was mainly due to funding activities.
loAn
Jenis Kredit 2018 2017PerubahanChanges Type of Loan
Rp %
Kredit Konsumsi 3.373.303 2.905.601 467.702 16,10 Consumer Loan
Kredit Modal Kerja 2.844.689 2.930.495 (85.806) -2,93 Working Capital Loan
Kredit Investasi 1.266.425 1.238.028 28.397 2,29 Investment Loan
Pinjaman Karyawan 27.216 40.798 (13.582) -33,29 Employee Loan
Jumlah Kredit 7.511.633 7.114.922 396.711 5,58 Total Loans
CKPN (238.665) (331.116) 92.451 -27,93 Allowances for Impairment Lossess
Kedit – Bersih 7.272.968 6.783.806 489.162 7,21 Total Loans – Net
106 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Pada tahun 2018, kredit MNC Bank sebesar Rp7.511,63 miliar, tumbuh sebesar 5,58% dibanding tahun 2017 sebesar Rp7.114,92 miliar. Berdasarkan jenis pinjaman, peningkatan terjadi pada kredit konsumsi sebesar Rp467,70 miliar (16,10%) dan kredit investasi sebesar Rp28,40 miliar (2,29%). Sementara kredit modal kerja dan pinjaman karyawan mengalami penurunan masing-masing sebesar Rp85,81 miliar (2,93%) dan Rp13,58 miliar (33,29%). MNC Bank membentuk cadangan kerugian penurunan nilai (CKPN) kredit sebesar Rp238,67 miliar di tahun 2018 untuk mengelola eksposur risiko kredit pada tingkat yang memadai.
MNC Bank mencatatkan aset non keuangan sebesar Rp886,49 miliar di tahun 2018, meningkat 13,14% dibanding tahun 2017 yang sebesar Rp783,56 miliar. Peningkatan aset non keuangan terutama disebabkan kenaikan aset lain-lain sebesar Rp99,73 miliar (36,12%).
Pada tahun 2018, total liabilitas MNC Bank sebesar Rp9.424,87 miliar, lebih rendah 0,30% dibanding tahun 2017 sebesar Rp9.453,55 miliar.
In 2018, MNC Bank’s total liabilities amounted to Rp9,424.87 billion, decreased by 0.30% compared to 2017 of Rp9,453.55 billion.
MNC Bank recorded non-financial assets of Rp886.49 billion in 2018, an increase of 13.14% compared to 2017 which amounted to Rp783.56 billion. The increase in non-financial assets was mainly due to an increase in other assets by Rp99.73 billion (36.12%).
In 2018, MNC Bank loans amounted to Rp7,511.63 billion, grew by 5.58% compared to 2017, Rp7,114.92 billion. Based on the type of loan, an increase occurred in consumption loans of Rp.467.70 billion (16.10%) and investment loans of Rp28.40 billion (2.29%). While working capital loans and employee loans decreased by Rp85.81 billion (2.93%) and Rp13.58 billion (33.29%). MNC Bank established a credit for impairment losses (CKPN) of Rp238.67 billion in 2018 to managed credit risk exposure at an adequate level.
Aset Non Keuangan 2018 2017PerubahanChanges Non-Financial Assets
Rp %
Biaya dibayar di muka 178.879 150.968 27.911 18,49 Prepaid Expenses
Aset Tetap – Bersih 48.137 55.113 (6.976) -12,66 Premises and Equipment – Net
Aset Pajak Tangguhan – Bersih 259.109 276.842 (17.733) -6,41 Deferred Tax Assets – Net
Aset Tak Berwujud – Bersih 24.565 24.570 (5) -0,02 Intangible Assets – Net
Aset Lain-Lain - Bersih 375.800 276.071 99.729 36,12 Other Assets – Net
TOTAL 886.490 783.564 102.926 13,14 TOTAL
Tabel Aset Non KeuanganTable of non-financial Assets
Dalam Juta RupiahIn Million Rupiah
Dalam Juta RupiahIn Million Rupiah
LiABiLiTAS liABilities
Liabilitas 2018 2017PerubahanChanges Liabilities
Rp %
Liabilitas Keuangan 9.284.404 9.266.168 18.236 0,20 Financial Liabilities
Liabilitas Non Keuangan 140.461 187.378 (46.917) -25,04 Non-Financial Liabilities
Total Liabilitas 9.424.865 9.453.546 (28.681) -0,30 Total Liabilities
Tabel LiabilitasTable of Liabilities
107Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Liabilitas keuangan MNC Bank naik tipis sebesar Rp18,24 miliar (0,20%) dari Rp9.266,17 miliar di tahun 2017 menjadi Rp9.284,40 miliar di tahun 2018. Kontribusi terhadap liabilitas terutama berasal dari simpanan dari bank lain yang mencapai Rp740,09 miliar, atau meningkat sebesar Rp542,84 miliar dibanding tahun 2017 yang hanya sebesar Rp197,26 miliar.
Pada tahun 2018, liabilitas non keuangan sebesar Rp140,46 miliar, turun 25,04% dibanding tahun 2017 sebesar Rp187,38 miliar. Penurunan ini terutama disebabkan turunnya beban yang masih harus dibayar dan liabilitas imbalan pasca kerja masing-masing sebesar Rp36,27 miliar (32,71%) dan Rp11,17 miliar (20,94%).
In 2018, non-financial liabilities amounted to Rp140.46 billion, decrease by 25.04% compared to 2017 amounting to Rp187.38 billion. This decrease was mainly due to a decrease in accrued expenses and post-employment benefit obligations amounting to Rp36.27 billion (32.71%) and Rp11.17 billion (20.94%), respectively.
MNC Bank’s financial liabilities slightly increased by Rp18.24 billion (0.20%) from Rp9,266.17 billion in 2017 to Rp9,284.40 billion in 2018. Contributions to liabilities mainly came from deposits from other banks which reached Rp740.09 billion, or an increase of Rp542.84 billion compared to 2017 which only amounted to Rp197.26 billion.
Tabel Liabilitas KeuanganTable of financial Liabilities
Tabel Liabilitas Non KeuanganTable of non-financial Liabilities
Dalam Juta RupiahIn Million Rupiah
Dalam Juta RupiahIn Million Rupiah
Liabilitas Keuangan 2018 2017
PerubahanChanges Financial Liabilities
Rp %
Liabilitas segera 37.937 39.585 (1.648) -4,16 Liabilities payable immediately
Simpanan 8.469.956 9.027.709 (557.753) -6,18 Deposits
Simpanan dari Bank Lain - Pihak Ketiga 740.092 197.257 542.835 275,19 Deposits from Other Bank
- Third Parties
Liabilitas Derivatif - Pihak Ketiga - 95 (95) -100,00 Derivative Payables - Third Parties
Liabilitas Akseptasi - Pihak Ketiga 36.419 1.522 34.897 n/a Acceptances payable - Third Parties
TOTAL 9.284.404 9.266.168 18.236 0,20 TOTAL
Liabilitas Non Keuangan 2018 2017PerubahanChanges Non-Financial Liabilities
Rp %
Utang Pajak 10.131 12.462 (2.331) -18,70 Tax payable
Liabilitas Imbalan Pasca Kerja 42.184 53.355 (11.171) -20,94 Employee benefits obligation
Beban yang masih harus dibayar 74.608 110.878 (36.270) -32,71 Accruals
Liabilitas Lain-Lain 13.538 10,683 2.855 26,72 Other liabilities
TOTAL 140.461 187.378 (46.917) -25,04 TOTAL
108 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel EkuitasTable of Equity
Tabel Laporan Laba Rugi dan Penghasilan Komprehensif LainTable of Statement of profit or Loss and other comprehensive income
Dalam Juta RupiahIn Million Rupiah
Dalam Juta RupiahIn Million Rupiah
EKuiTAS eQUity
Ekuitas 2018 2017PerubahanChanges Equity
Rp %
Modal Saham 2.178.505 2.126.147 52.358 2,46 Capital stock
Tambahan Modal Disetor – Bersih 82.722 722 82.000 n/a Additional paid in capital - Net
Laba (rugi) komprehensif lain (11.323) 2.614 (13.937) -533,17 Other comprehensive income (loss)
Saldo Laba (Defisit) (819.914) (876.935) 57.021 -6,50 Retained earnings (Deficit)
TOTAL 1.429.990 1.252.548 177.442 14,17 TOTAL
Total ekuitas MNC Bank pada tahun 2018 sebesar Rp1.429,99 miliar, naik 14,17% dibanding tahun 2017 sebesar Rp1.252,55 miliar. Peningkatan ini disebabkan oleh peningkatan modal saham sebesar Rp52,36 miliar (2,46%) dan adanya tambahan modal disetor sebesar Rp82 miliar pada 2018.
MNC Bank’s total equity in 2018 amounted to Rp1,429.99 billion, increase by 14.17% compared to 2017 amounting to Rp1,252.55 billion. This increase was due to an increase in share capital of Rp52.36 billion (2.46%) and an additional paid-in capital of Rp82 billion in 2018.
Laba Rugi dan Penghasilan Komprehensif Lain 2018 2017
PerubahanChanges Profit or Loss And
Other Comprehensive IncomeRp %
Pendapatan Operasional 625.268 460.088 165.180 35,90 Operating revenues
∙ Pendapatan Bunga Bersih 387.471 344.689 42.782 12,41 Interest revenues - Net
∙ Pendapatan Operasional Lainnya 237.797 115.399 122.398 106,07 Other operating revenues
Beban Operasional 545.071 1.377.088 (832.017) -60,42 Operating expenses
∙ Beban Kerugian Penurunan Nilai 34.333 840.176 (805.843) -95,91 Provision for impairment losses
∙ Beban Operasional Lainnya 510.738 536.912 (26.174) -4.87 Other operating expenses
Laba (Rugi) Operasional 80.197 (917.000) 997.197 108,75 Income (loss) from operations
Pendapatan (Beban) Non Operasional (797) 10.930 (11.727) -107,29 Non operating revenues (expenses)
Laba (rugi) sebelum pajak 79.400 (906.070) 985.470 108,76 income (loss) before tax
Manfaat (beban) pajak tangguhan (22.379) 220.877 (243.256) -110,13 Deferred tax benefit (expense)
Laba (rugi) bersih tahun berjalan 57.021 (685.193) 742.214 108,32 net income (loss) for the year
Penghasilan (Rugi) Komprehensif lain (13.937) 9.334 (23.271) -249,31 Other comprehensive income (loss)
Jumlah Laba (rugi) komprehensif 43.084 (675.859) 718.943 106,37 total comprehensive income (loss)
Laba (Rugi) per Saham Earnings (loss) per share
∙ Dasar 2,66 (33,19) 35,85 Basic
∙ Dilusian 2,66 (33,19) 35,85 Diluted
109Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel Pendapatan Bunga BersihTable of net interest income
Tabel Pendapatan Operasional LainnyaTable of other operating income
Dalam Juta RupiahIn Million Rupiah
Dalam Juta RupiahIn Million Rupiah
MNC Bank mencatatkan pendapatan bunga bersih sebesar Rp387,47 miliar, naik 12,41% dibanding tahun 2017 sebesar Rp344,69 miliar. Hal ini disebabkan penurunan pendapatan bunga sebesar Rp 61,29 miliar (6%) lebih kecil dibandingkan dengan penurunan beban bunga sebesar Rp 104,07 miliar (15,38%).
MNC Bank recorded net interest income of Rp387.47 billion, increase by 12.41% compared to 2017 amounting to Rp344.69 billion. This was due to a decreased in interest income of Rp61.29 billion (6%), which is smaller than the decrease in interest expense of Rp104.07 billion (15.38%).
Pendapatan Bunga Bersih 2018 2017PerubahanChanges Net Interest Income
Rp %
Pendapatan Bunga 960.256 1.021.547 (61.291) -6,00 Interest Revenues
∙ Kredit 825.439 852.014 (26.575) -3,12 Loans
∙ Efek-efek 63.925 82.363 (18.438) -22,39 Securities
∙ Penempatan pada Bank 30.407 58.418 (28.011) -47,95 Penempatan pada Bank
∙ Giro pada Bank 400 844 (444) -52,61 Giro pada Bank
∙ Provisi dan komisi kredit 40.085 27.908 12.177 43,63 Provisi dan komisi kredit
Beban Bunga 572.785 676.858 (104.073) -15,38 Interest Expense
∙ Simpanan 524.758 613.286 (88.528) -14,44 Deposits
∙ Simpanan dari Bank Lain 23.968 22.210 1.758 7,92 Deposits from other Banks
∙ Lainnya 7.564 20.574 (13.010) -63,24 Others
∙ Provisi dan komisi yang dibayar 16.495 20.788 (4.293) -20,65 Provisions and fees
TOTAL 387.471 344.689 42.782 12,41 TOTAL
Pendapatan Operasional Lainnya 2018 2017PerubahanChanges Other Operating Income
Rp %
Pendapatan transaksi valuta asing - Bersih 5.680 8.437 (2.757) -32,68 Gain on foreign exchange transactions – Net
Keuntungan bersih penjualan efek 3.285 18.806 (15.521) -82,53 Net gain on sale of securities
Provisi dan komisi selain kredit - Bersih 46.295 35.134 11.161 31,77 Commissions and fees from transactionsother than loans – Net
Penerimaan kembali kredit yang dihapus buku 82.746 3.183 79.563 n/a Recovery of loans previously written-off
Keuntungan (kerugian) yang belum direalisasi dari efek-efek yang diperdagangkan (1.608) 1.478 (3.086) -208,80 Unrealized gain (loss) on Trading Securuties
Lain-lain 101.399 48.361 53.038 109,67 Others
TOTAL 237.797 115.399 122.398 106,07 TOTAL
Pendapatan operasional lainnya meningkat Rp122,40 miliar (106,07%) menjadi Rp237,80 miliar pada tahun 2018 dari Rp115,40 miliar di tahun 2017. Kontribusi peningkatan berasal dari penerimaan kembali kredit yang dihapus buku yang naik sebesar Rp79,56 miliar serta pendapatan lain-lain yang meningkat sebesar Rp53,04 miliar (109,67%) di tahun 2018.
Other operational income increased by Rp.122.40 billion (106.07%) to Rp237.80 billion in 2018 from Rp.115.40 billion in 2017. The increase in contribution came from the receipt of write-off loans which increased by Rp79.56 billion and income others increased by Rp53.04 billion (109.67%) in 2018.
110 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Beban operasional mengalami penurunan sebesar Rp832,02 miliar (60,42%) dari Rp1.377,09 miliar di tahun 2017 menjadi Rp545,07 miliar di tahun 2018. Penurunan beban operasional yang signifikan ini disebabkan menurunnya beban kerugian penurunan nilai atas aset keuangan dan non keuangan sebesar Rp805,84 miliar (95,91%), sebagai dampak adanya pemulihan kerugian penurunan nilai kredit sepanjang tahun 2018. Beban operasional lainnya juga mengalami penurunan sebesar Rp26,17 miliar (4,87%). Penurunan tersebut berasal dari penurunan Beban Umum dan Administrasi sebesar Rp15,89miliar (6,28%), penurunan Beban Tenaga Kerja sebesar Rp3,34 miliar (1,46%), serta penurunan Beban Pensiun dan Imbalan Pasca Kerja sebesar Rp8,02 miliar (45,49%).
Penurunan beban operasional lainnya sejalan dengan program yang dijalankan MNC Bank atas efektivitas dan efisiensi biaya atas produktivitas bisnis.
LABA (rugi) OPErASiOnAL Laba operasional tahun 2018 sebesar Rp80,20 miliar, sementara di tahun 2017 MNC Bank mencatat rugi operasional sebesar Rp917 miliar. Peningkatan laba operasional tahun 2018 disebabkan penurunan Beban Operasional sebesar Rp832,02 miliar sebagai dampak dari pemulihan kerugian penurunan nilai dan penurunan Beban Operasional lainnya, serta kenaikan Pendapatan Operasional sebesar Rp165,18 miliar.
Operational expenses decreased by Rp832.02 billion (60.42%) from Rp1,377.09 billion in 2017 to Rp545.07 billion in 2018. This decrease in significant operating expenses was due to a decrease in impairment losses on financial assets and non-financial activities amounting to Rp805.84 billion (95.91%), as a result of the recovery of loss in credit value decline throughout 2018. Other operating expenses also decreased by Rp26.17 billion (4.87%). The decrease came The decrease in General and Administrative Expenses amounted to Rp15.89 billion (6.28%), a decrease in Labor Expenses of Rp3.34 billion (1.46%), as well as a decrease of Rp8.02 billion in Pension Expenses and Post-Employment Benefits (45.49%).
The decrease in other operating expenses was in line with programs run by MNC Bank for the effectiveness and cost efficiency of business productivity.
oPerAtionAl Profit (loss)The operational profit in 2018 amounted to Rp80.20 billion, while in 2017 MNC Bank recorded an operating loss of Rp917 billion. The increase in operating profit in 2018 was The decrease in Operational Expenses amounted to Rp832.02 billion as a result of the recovery of impairment losses and other decrease in Operating Expenses, as well as an increase in Operating Income of Rp165.18 billion.
Tabel Beban OperasionalTable of operating Expenses
Dalam Juta RupiahIn Million Rupiah
Beban Operasional 2018 2017
PerubahanChanges Operating Expenses
Rp %
Beban Operasional Operating Expenses
Beban kerugian penurunan nilai 34.333 840.176 (805,843) -95,91 Provision for for impairment losses
∙ Aset Keuangan 34.333 826.180 (791.847) -95,84 Financial assets
∙ Aset Non Keuangan - 13.996 (13.996) -100,00 Non-financial assets
Beban Operasional Lainnya 510.738 536.912 (26.174) -4,87 Other Operating Expenses
∙ Beban Umum dan Administrasi 237.197 253.088 (15.891) -6,28 General and administrative expenses
∙ Beban Tenaga Kerja 224.922 228.264 (3.342) -1,46 Personnel expenses
∙ Beban Pensiun dan Imbalan Pasca Kerja 9.609 17.629 (8.020) -45,49 Pension and employee benefits
∙ Beban Lainnya 39.010 37.931 1.079 2,84 Other expenses
TOTAL 545.071 1.377.088 (832.017) -60,42 TOTAL
111Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
LABA (rugi) PEr SAhAM Laba bersih per saham MNC Bank tahun 2018 mengalami peningkatan positif menjadi Rp2,66, dibanding tahun sebelumnya yang mencatat rugi bersih per saham sebesar Rp33,19. Hal ini disebabkan pencapaian Laba Bersih MNC Bank di tahun 2018 sebesar Rp57,02 miliar.
Profit (loss) Per shAreMNC Bank’s 2018 net income per share experienced a positive increase to Rp2.66, from the previous year which recorded a net loss per share of Rp33.19. This is adjusted for MNC Bank Net Profit in 2018 amounting to Rp57.02 billion.
Tabel Laba (Rugi) KomprehensifTable of comprehensive income (Loss)
Tabel Laporan Rasio KeuanganTable of financial ratio
Dalam Juta RupiahIn Million Rupiah
juMLAh LABA KOMPrEhEnSiF
rASiO KEuAngAn
totAl of comPrehensiVe income
finAnciAl rAtio
Laba (Rugi) Komprehensif 2018 2017Perubahan Changes Comprehensive Income (Loss)
Rp %
Penghasilan Komprehensif Lain Other Comprehensive Income
Pos yang tidak akan direklasifikasi ke laba rugi 7.314 553 6.761 n/a Item that will not be reclassified subsequently to profit or loss
∙ Pengukuran kembali atas kewajiban imbalan pasti
9.752 736 9.016 n/a Remeasurement of defined benefits obligation
∙ Pajak penghasilan terkait pos yang tidak akan direklasifikasi ke laba rugi
(2.438) (183) (2.255) n/a Income tax relating to item that will not be reclassified subsequently to profit or loss
Pos yang akan direklasifikasi ke laba rugi (21.251) 8.781 (30.032) -342,01 Item that will be reclassified subsequently to profit or loss
∙ Perubahan nilai wajar efek tersedia untuk dijual
(28.335) 11.708 (40.043) -342,01 Changes in fair value of available for sale securities
∙ Pajak penghasilan terkait pos yang akan direklasifikasi ke laba rugi
7.084 (2.927) 10.011 -342,02 Income tax relating to item that will be Reclassified subsequently to profit or loss
Jumlah penghasilan komprehensif lain tahun berjalan setelah pajak
(13.937) 9.334 (23.271) -249,31 Total other comprehensive income for the year after tax
TOTAL LABA (RUGI) KOMPREHENSIF 43.084 (675.859) 718.943 -106,37 TOTAL COMPREHENSIVE INCOME (LOSS)
Rasio Keuangan 2018 2017 Financial Ratio
RASIO KINERJA (%) PERFORMANCE RATIO (%)
Kewajiban Penyediaan Modal Minimum (KPMM) 16,27 12,58 Capital Adequacy Ratio (CAR)
Aset produktif dan non produktif bermasalah terhadap Total Aset produktif dan non produktif 5,29 5,22 Non-performing Earning and non-earning assets to the
total non-performing earning and non-earning assets
Aset produktif bermasalah terhadap total aset produktif 4,28 5,08 Non-performing earning-assets to total earning assets
Cadangan Kerugian Penurunan Nilai Aset Keuangan Terhadap Aset Produktif 2,38 3,27 Allowance for impairment losses to earning assets
NPL Gross 5,72 7,23 NPL Gross
NPL Net 3,43 2,82 NPL Net
ROA 0,74 -7,47 ROA
112 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Rasio Keuangan 2018 2017 Financial Ratio
ROE 5,43 -48,91 ROE
NIM 4,10 3,04 NIM
BOPO 93,51 180,62 BOPO
LFR 88,64 78,78 LFR
RASIO KEPATUHAN COMPLIANCE RATIO
Persentase pelanggaran BMPK Percent of LLL violation
∙ Pihak terkait - - Related party
∙ Pihak tidak terkait - - Non-related party
Persentase pelampauan BMPK Percent of LLL exceed
∙ Pihak terkait - - Related party
∙ Pihak tidak terkait - - Non-related party
Giro Wajib Minimum (GWM) Statutory Reserve
∙ GWM Utama Rupiah 6,71 6,86 Main Statutory Reserve in Rupiah
∙ GWM Valuta Asing 9,97 8,29 Statutory Reserve in Foreign Currency
Posisi Devisa Netto 0,95 6,95 Net Open Position
Uraian rasio keuangan penting MNC Bank:
Kecukupan Modal Rasio Kecukupan Modal Minimum Bank (KPMM) tahun 2018 naik menjadi 16,27% dari tahun sebelumnya yang sebesar 12,58%. Peningkatan ini disebabkan oleh laba bersih yang berhasil dicapai Bank di tahun 2018 dan adanya penambahan modal.
Kualitas Aset Rasio aset produktif dan non produktif bermasalah terhadap total aset produktif dan non produktif sedikit meningkat dari 5,22% di tahun 2017 menjadi 5,29%. Sementara itu, Rasio NPL Gross mengalami perbaikan menjadi 5,72% dibanding tahun 2017 yang sebesar 7,23%. Untuk Rasio NPL Net sebesar 3,43%, lebih tinggi dibanding tahun 2017 yang sebesar 2,82%. Secara keseluruhan, kualitas aset di tahun 2018 sudah mulai membaik. Manajemen terus berupaya melakukan langkah-langkah perbaikan terhadap aset-aset bermasalah, melakukan monitoring secara intensif untuk mencegah terjadinya penurunan kualitas aset, serta pemberian kredit dilakukan dengan mengutamakan prinsip kehati-hatian dan membentuk cadangan kerugian penurunan nilai aset yang memadai.
Profitabilitas Rasio profitabilitas MNC Bank mengalami peningkatan positif sejalan dengan laba bersih yang diperoleh selama tahun 2018. Hal ini tercermin dari rasio imbal hasil terhadap asset (ROA) yang tercatat sebesar 0,74% dan rasio imbal hasil terhadap ekuitas (ROE) sebesar 5,43%.
Description of MNC Bank’s important financial ratios:
capital AdequacyThe Bank’s Minimum Capital Adequacy Ratio (KPMM) increased to 16.27% from the previous year which was 12.58%. This increase was caused by the net profit that was successfully achieved by the Bank in 2018 and additional capital.
Quality of AssetsThe problematic ratio of productive and non-productive assets to total productive and non-productive assets has slightly increased from 5.22% in 2017 to 5.29%. Meanwhile, the Gross NPL Ratio improved to 5.72% compared to 2017 which was 7.23%. For Net NPL Ratio of 3.43%, higher than 2017 which was 2.82%. Overall, asset quality in 2018 has begun to improve. Management continues to strive to make corrective steps to troubled assets, conduct intensive monitoring to prevent a decline in the quality of assets, and the loan granting was conducted in accordance with prudential banking principles, and forming a reserve for loss of impairment of adequate asset values.
ProfitabilityMNC Bank’s profitability ratio experienced a positive increase in line with net income obtained during 2018. This was reflected in the return on assets (ROA) recorded at 0.74% and the return on equity (ROE) ratio of 5.43%,
113Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Efisiensi Rasio beban operasional dibandingkan pendapatan operasional (BOPO) mengalami perbaikan yang signifikan menjadi 93,51%, dibanding tahun 2017 yang mencapai 180,62%. Hal ini disebabkan kinerja keuangan yang semakin baik dengan meningkatnya pendapatan operasional serta penurunan beban operasional Bank yang signifikan. Penurunan beban operasional tahun 2018 tidak hanya dikontribusi oleh pemulihan kerugian penurunan nilai aset keuangan, tetapi juga merupakan hasil dari efisiensi biaya yang dilakukan MNC Bank sepanjang tahun 2018.
LiKuidiTAS Tingkat likuiditas MNC Bank yang ditunjukkan dengan rasio kredit terhadap pendanaan (LFR) pada tahun 2018 sebesar 88,64%, meningkat dari tahun 2017 yang sebesar 78,78%. Peningkatan ini mencerminkan fungsi intermediari MNC Bank berjalan baik.
efficiencyThe operating expense ratio compared to operating income (BOPO) experienced a significant improvement to 93.51%, compared to 2017 which reached 180.62%. This is due to improved financial performance with increasing operating income and a significant decrease in the Bank’s operating expenses. The decrease in operating expenses in 2018 is not only contributed by the recovery of impairment losses on financial assets, but also as a result of cost efficiency carried out by MNC Bank throughout 2018.
liQUiDityMNC Bank’s liquidity level as indicated by the credit to funding ratio (LFR) in 2018 was 88.64%, an increase from 2017 which was 78.78%. This increase reflects the intermediary function of the MNC Bank running well.
No TransaksiTransaksi
2018 2017
Individual Individual
NilaiNotionalNotional
Value
TujuanObjective
Tagihan dan Liabilitas Derivatif
Claim and Derivative Liabilities
NilaiNotionalNotional
Value
TujuanObjective
Tagihan dan Liabilitas Derivatif
Claim and Derivative Liabilities
TradingTrading
HedgingHedging
Tagihanclaim
LiabilitasLiabilities
TradingTrading
HedgingHedging
Tagihanclaim
LiabilitasLiabilities
A. Terkait dengan Nilai TukarA. Related to Exchange Rates
1 Spot - - - - - 113.931 113.931 - 20 42
2 Forward 45.894 45.894 - 1.082 - 67.790 67.790 - - 53
3 Option - - - - - - - - - -
a. Jual/Buy - - - - - - - - - -
b. Beli/Sell - - - - - - - - - -
4 Future - - - - - - - - - -
5 Swap - - - - - - - - - -
6 Lainnya/Others - - - - - - - - - -
B. Terkait dengan Suku BungaB. Related to Interest Rates
1 Forward - - - - - - - - - -
2 Option - - - - - - - - - -
a. Jual/Buy - - - - - - - - - -
b. Beli/Sell - - - - - - - - - -
3 Future - - - - - - - - - -
4 Swap - - - - - - - - - -
5 Lainnya/Others - - - - - - - - - -
C. LainnyaC. Others
Total 45.894 45.894 - 1.082 - 181.721 181.721 - 20 95
Dalam Juta RupiahIn Million Rupiah
Transaksi Spot dan DerivatifSpot and derivative Transaction
114 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
AruS KAS unTuK AKTiViTAS OPErASi Arus kas keluar untuk aktivitas operasional yang berakhir pada tanggal 31 Desember 2018 tercatat sebesar Rp17,18 miliar, mengalami penurunan sangat signifikan dibandingkan arus kas keluar untuk aktivitas operasional tahun 2017 sebesar Rp1.992,69 miliar. Pencatatan arus kas keluar untuk aktivitas operasi ini antara lain digunakan untuk pencairan kredit yang diberikan, penempatan aset produktif, pembayaran bunga, provisi dan komisi, pembayaran gaji dan tunjangan karyawan, serta pembayaran beban operasional lainnya.
AruS KAS dAri AKTiViTAS inVESTASi Arus kas bersih yang diperoleh dari aktivitas investasi di tahun 2018 adalah Rp83,13 miliar, mengalami penurunan dibandingkan arus kas bersih yang diperoleh dari aktivitas investasi tahun 2017 sebesar Rp376,74 miliar, terutama disebabkan penurunan perolehan kas dari penjualan efek yang tersedia untuk dijual dari Rp1.348,69 miliar di tahun 2017 menjadi Rp592,65 miliar.
niLAi nOTiOnAL TrAnSAKSi SPOT dAn dEriVATiF
Jumlah nilai notional transaksi spot dan derivatif yang berakhir pada tanggal 31 Desember 2018 tercatat sebesar Rp45,89 milyar, mengalami penurunan dari nilai notional tahun 2017 sebesar Rp181,72 milyar, sebagai bagian dari strategi treasuri untuk mengantisipasi pergerakan pasar yang volatile di akhir tahun. Nilai notional transaksi derivative pada 2018, sebagian merupakan transaksi spot yang teradjust menjadi transaksi derivatif karena perhitungan jumlah hari settlement, sebagai imbas libur panjang akhir tahun.
TAgihAn dAn LiABiLiTAS SPOT dAn dEriVATiFTagihan dan liabilitas derivative yang berakhir pada tanggal 31 Desember 2018 tercatat sebesar Rp 1.08 miliar merupakan cerminan posisi kontrak forward sell bank. Hal ini mengalami peningkatan dari tagihan dan liabilitas derivative 2017 sebesar Rp20 juta untuk tagihan dan dan Rp95 juta untuk liabilitas.
cAsh flow for oPerAtionAl ActiVitiesThe cash outflows for operational activities that ended on December 31, 2018 were recorded at Rp17.18 billion, a very significant decrease compared to the cash outflows for operational activities in 2017 amounting to Rp1,992.69 billion. The recording of cash outflows for these operational activities is used, among others, for disbursing loans, earning productive assets, paying interest, fees and commissions, payment of employee salaries and benefits, and payment of other operational expenses.
cAsh flow from inVestment ActiVitiesNet cash flows obtained from investment activities in 2018 were Rp83.13 billion, a decrease compared to net cash flows obtained from investment activities in 2017 amounting to Rp376.74 billion, mainly due to a decrease in cash acquisition from sale of securities available for sale from Rp1.348.69 billion in 2017 to Rp592.65 billion.
notionAl VAlUe of sPot AnD DeriVAtiVe trAnsActionThe total notional value of spot and derivative transactions ended on December 31, 2018 was recorded at Rp45.89 billion, a decrease from 2017 notional value of Rp181.72 billion, as part of a treasury strategy to anticipate volatile market movements at the end of the year. The notional value of derivative transactions in 2018, in part, is a spot transaction which is precisely a derivative transaction due to the calculation of the number of settlement days, as a result of a long holiday at the end of the year.
clAim AnD liABilities of sPot AnD DeriVAtiVeDerivative receivables and liabilities which ended on December 31, 2018 were recorded at Rp1.08 billion, reflecting the forward sell bank contract position. This has increased from 2017 derivative bills and liabilities of Rp20 million for claims and and Rp95 million for liabilities.
LAPOrAn AruS KAS stAtements of cAsh flows
Tabel Arus KasTable of cash flows
Arus Kas 2018 2017 Cash Flows
Arus kas untuk aktivitas operasi (17.181) (1.992.694) Cash flows from operating activities
Arus kas dari aktivitas investasi 83.129 376.738 Cash flows from investing activities
Arus kas dari aktivitas pendanaan 134.358 68.002 Cash flows from financing activities
Kenaikan/(penurunan) bersih kas dan setara kas 200.306 (1.547.954) Net increase/(decrease) of cash and cash equivalents
Kas dan setara kas pada awal tahun 1.495.268 3.047.461 Cash and cash equivalents at beginning of year
Kas dan setara kas pada akhir tahun 1.695.574 1.499.507 Cash and cash equivalents at end of year
Dalam Juta RupiahIn Million Rupiah
115Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
AruS KAS dAri AKTiViTAS PEndAnAAn Arus kas masuk dari aktivitas pendanaan yang berakhir pada tanggal 31 Desember 2018 sebesar Rp134,36 miliar yang berasal dari penambahan modal.
SALdO KAS dAn SETArA KAS MNC Bank mencatat saldo kas sampai tanggal 31 Desember 2018 sebesar Rp1.695,57 miliar, meningkat dibandingkan saldo tahun 2017 sebesar Rp1.499,51 miliar yang terutama disebabkan oleh penurunan arus kas keluar untuk aktivitas operasional dan penambahan modal saham.
KEMAMPuAn MEMBAyAr KEwAjiBAn dAn TingKAT KOLEKTiBiLiTAS Terdapat tiga rasio yang umum digunakan untuk mengukur kemampuan MNC Bank dalam membayar kewajiban (utang) terhadap pihak lain. Ketiganya yaitu rasio likuiditas, rasio solvabilitas dan rasio rentabilitas.
rasio Likuiditas Rasio likuiditas digunakan untuk mengetahui kemampuan MNC Bank dalam memenuhi kewajibannya. Komponen perhitungan rasio likuiditas yang sehat adalah perbandingan antara jumlah kredit yang disalurkan dengan pendanaan (loan to funding ratio atau LFR). Pada tahun 2018, MNC Bank mencatat LFR sebesar 88,64%, meningkat dibandingkan tahun 2017 yang sebesar 78,78%.
rasio Solvabilitas MNC Bank menggunakan rasio permodalan (KPMM) untuk mengukur tingkat solvabilitas. MNC Bank mencatat KPMM sebesar 16,27%, meningkat dibanding tahun 2017 yang sebesar 12,58%. Berdasarkan profil risiko Bank tahun 2018 dan 2017, yaitu peringkat 3 (tiga), maka KPMM minimum yang ditetapkan regulator masing-masing sebesar 10% sampai dengan kurang dari 11%, atau masih berada diatas ketentuan.
rasio rentabilitas Rasio rentabilitas digunakan untuk mengetahui tingkat efisiensi dari kinerja MNC Bank dengan menggunakan beberapa komponen yaitu laba terhadap aset (ROA), laba terhadap ekuitas (ROE), marjin bunga bersih (NIM) dan beban operasional terhadap pendapatan operasional (BOPO). Pada tahun 2018 MNC Bank mencatat peningkatan dalam ROA, ROE dan NIM, serta penurunan BOPO. Berdasarkan rasio-rasio diatas, di tahun 2018 MNC Bank memiliki kemampuan yang memadai dalam memenuhi kewajibannya dan memberi nilai lebih bagi pemegang saham.
Kolektibilitas Kredit Tingkat kolektibilitas kredit dapat diukur dari rasio kredit bermasalah (non performing loan atau NPL). Pada tahun 2018, rasio NPL gross mengalami penurunan dan rasio NPL Nett mengalami peningkatan dibanding tahun sebelumnya. MNC Bank terus berusaha untuk menurunkan angka rasio NPL sesuai dengan ketentuan Bank Indonesia.
cAsh flow from fUnDinG ActiVitiesThe cash inflows from financing activities that ended on December 31, 2018 amounted to Rp134.36 billion, which came from the addition of share capital.
cAsh BAlAnce AnD cAsh eQUiVAlentsMNC Bank recorded cash balances as of December 31, 2018 amounting to Rp1,695.57 billion, an increase compared to the balance in 2017 of Rp1,499.51 billion which was mainly due to a decrease in cash outflows for operational activities and additional share capital.
ABility to PAy oBliGAtions AnD collectiVity leVelsThere are three ratios that are commonly used to measure MNC Bank’s ability to pay obligations (debt) to other parties. The three are liquidity ratios, solvency ratios and profitability ratios.
liquidity ratioThe liquidity ratio is used to determine MNC Bank’s ability to fulfill its obligations. The component of the calculation of a healthy liquidity ratio is the comparison between the amount of credit channeled with funding (loan to funding ratio or LFR). In 2018, MNC Bank recorded an LFR of 88.64%, an increase compared to 2017 which was 78.78%.
solvability ratioMNC Bank uses the capital ratio (KPMM) to measure solvency levels. MNC Bank recorded KPMM of 16.27%, an increase compared to 2017 which was 12.58%. Based on the Bank’s risk profile in 2018 and 2017, which is ranked 3 (three), the minimum KPMM set by the regulator is 10% up to less than 11%, or still above the provisions.
rentability ratioThe profitability ratio is used to determine the efficiency level of the performance of MNC Bank by using several components, namely profit on assets (ROA), profit on equity (ROE), net interest margin (NIM) and operating expenses on operating income (BOPO). In 2018 the MNC Bank recorded an increase in ROA, ROE and NIM, and decrease BOPO. Based on the above ratios, in 2018 MNC Bank has sufficient ability to fulfill its obligations and provide more value to shareholders.
credit collectibilityCredit collectability can be measured by the ratio of non-performing loans (non-performing loans or NPLs). In 2018, gross NPL decreased and Nett’s NPL increased compared to the previous year. MNC Bank continues to strive to reduce NPL numbers in accordance with Bank Indonesia regulations.
116 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) No. 11/POJK.03/2016 tanggal 26 Januari 2016 dan perubahannya POJK No. 34/POJK.03/2016 tanggal 22 September 2016, tentang Kewajiban Penyediaan Modal Minimum Bank Umum dimana Bank wajib membentuk tambahan modal minimum sesuai profil risiko yang berfungsi sebagai penyangga (buffer) yaitu Capital Conservation Buffer, Countercyclical Buffer dan Capital Surcharge untuk Domestic Systematically Important Bank.
rASiO KEwAjiBAn PEnyEdiAAn MOdAL MiniMuMBerdasarkan profil risiko Bank pada tanggal 31 Desember 2018 dan 2017, yaitu peringkat 3 (tiga), maka KPMM minimum per 31 Desember 2018 dan 2017 ditetapkan masing-masing sebesar 10% sampai dengan kurang dari 11%.
Pada tahun 2018 dan 2017, MNC Bank memiliki rasio KPMM masing-masing sebesar 16,27% dan 12,58%. Dengan demikian, rasio kecukupan modal MNC Bank masih berada diatas ketentuan yang disyaratkan regulator.
Struktur permodalan MNC Bank pada tahun 2018 sebagai berikut:
Based on the Financial Services Authority Regulation (POJK) No.11/POJK.03/2016 dated January 26, 2016 and amendments to POJK No. 34 / POJK.03 / 2016 September 22, 2016, concerning the Minimum Capital Requirement for Commercial Banks where Banks are required to establish additional minimum capital according to the risk profile that functions as a buffer, namely Capital Conservation Buffer, Countercyclical Buffer and Capital Surcharge for Systematically Important Domestic Bank.
cAPitAl ADeQUAcy rAtioBased on the Bank’s risk profile as of December 31, 2018 and 2017, which is ranked 3 (three), the minimum KPMM per December 31, 2018 and 2017 is set at 10% up to less than 11%.
In 2018 and 2017, MNC Bank has a KPMM ratio of 16.27% and 12.58% respectively. Thus, MNC Bank’s capital adequacy ratio is still above the requirements by the regulator.
MNC Bank’s capital structure in 2018 is as follows:
struktur perMoDalan Dan keBIjakan Struktur modalCapital Structure & Capital Structure Policy
Modal 2018 2017 Capital
Modal Inti (Tier 1) 1.104.750 937.809 Core Capital (TIer 1)
Modal Pelengkap (Tier 2) 60.003 64.249 Supplementary Capital (Tier 2)
Jumlah Modal 1.164.753 1.002.058 Total Capital
Aset Tertimbang Menurut Risiko: Risk Weighted Assets:
Untuk Risiko Kredit 6.257.297 7.060.407 For Credit Risk
Untuk Risiko Operasional 853.378 750.430 For Operational Risk
Untuk Risiko Pasar 46.753 151.845 For Market Risk
Jumlah ATMR 7.157.428 7.962.682 Total Risk Weighted Assets
Rasio Kewajiban Penyediaan Modal Minimun dengan Memperhitungkat Capital Adequancy Ratio for:
Rasio CET 1 15,43% 11,78% Ratio CET 1
Rasio Tier 1 15,43% 11,78% Ratio Tier 1
Rasio Tier 2 0,84% 0,81% Ratio Tier 2
Rasio Total 16,27% 12,58% Total Ratio
Rasio Minumum Tier 1 6,00% 6,00% Minimun Ratio Tier 1
Rasio Minimun CET 1 4,50% 4,50% Minimun Ratio CET 1
KPMM Minumum Berdasarkan Profil Risiko 10,00% - 11,00%
10,00% - 11,00% Minimum CAR Based on Risk Profile
CET 1 untuk Buffer 6,27% 2,58% CET 1 for Buffer
Tabel Struktur Permodalan MNC BankTable of capital Structure of Mnc Bank
Dalam Juta RupiahIn Million Rupiah
117Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Modal 2018 2017 Capital
Persentase Buffer yang Wajib Dipenuhi oleh Bank: The Percentage of the Buffer That Must be Fulfilled by the Bank:
Capital Conservation Buffer 0,00% 0,00% Capital Conservation Buffer
Countercyclical Buffer 0,00% 0,00% Countercyclical Buffer
Capital Surcharge untuk Domestic Systematically Important Bank 0,00% 0,00% Capital Surcharge untuk Domestic Systematically
Important Bank
KEBijAKAn STruKTur MOdAL MNC Bank menerapkan kebijakan struktur modal untuk memastikan modal yang kuat dan efisien dalam mendukung strategi pengembangan usaha, mempertahankan kelangsungan pengembangan di masa mendatang dan sesuai dengan regulasi dan peraturan perundang-undangan. Dalam menyusun Rencana Permodalan MNC Bank mendasarkannya pada analisis kebutuhan kecukupan permodalan yang dipersyaratkan dan menyesuaikan dengan dinamika berdasarkan hasil dari metode stress test sehingga dapat mengantisipasi dan mengambil langkah-langkah pengendalian dan solusi yang paling optimal sebagai strategi jangka pendek maupun jangka panjang dalam menjaga struktur permodalan yang kuat dan efisien. Sesuai rencana strategis Bank di tahun 2018, MNC Bank melakukan Pelaksanaan Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (HMETD) dan Management and Employees Stock Option Program (MESOP) yang bertujuan untuk memperkuat permodalan Bank secara optimal dan memastikan tersedianya modal yang cukup untuk mendukung strategi dan bisnis Bank di masa yang akan datang.
iKATAn yAng MATEriAL unTuK inVESTASi BArAng MOdAL 2018 Sepanjang tahun 2018, tidak terdapat ikatan material untuk investasi barang modal.
inVESTASi BArAng MOdAL, KOMiTMEn BELAnjA MOdAL dAn KOMiTMEn LAinnyA Pada tahun 2018, jumlah investasi barang modal (capex) MNC Bank adalah sebesar Rp73,5 miliar Belanja barang modal tersebut digunakan untuk mendukung operasional MNC Bank.
inFOrMASi dAn FAKTA MATEriAL yAng TErjAdi SETELAh TAnggAL LAPOrAn AKunTAn MNC Bank tidak memiliki informasi dan fakta material penting yang terjadi setelah tanggal laporan akuntan.
PrOSPEK uSAhA Kondisi makro ekonomi Indonesia diprediksi akan tetap tumbuh stabil pada masa mendatang. Dengan fundamental perekonomian yang kokoh, diyakini arus investasi akan
cAPitAl strUctUre PolicyMNC Bank implements capital structure policies to ensure strong and efficient capital in supporting business development strategies, maintaining the continuity of future development and in accordance with regulations and legislation. In compiling the MNC Bank Capital Plan, it is based on an analysis of the required capital adequacy requirements and adapting to dynamics based on the results of the stress test method so that it can anticipate and take the most optimal control measures and solutions as a short and long term strategy efficient. In accordance with the Bank’s strategic plan in 2018, MNC Bank carried out the Implementation of Capital Increase without Preemptive Rights (HMETD) and Management and Employees Stock Option Program (MESOP) which aims to strengthen Bank capital optimally and ensure sufficient capital to support the strategy and the Bank’s business in the future.
mAteriAl commitments for 2018 cAPitAl GooDs inVestmentDuring 2018, there was no material bond for capital goods investment.
inVestment of cAPitAl GooDs, cAPitAl eXPenDitUre commitments AnD other commitmentsIn 2018, MNC Bank’s capital goods investment (capex) amounted to Rp73.5 billion. Capital expenditure was used to support MNC Bank operations.
mAteriAl informAtion AnD fActs hAPPeninG After the AccoUntAnt rePort DAteMNC Bank does not have important material information and facts that occur after the date of the accountant’s report.
BUsiness ProsPectIndonesia’s macroeconomic conditions are predicted to continue to grow steadily in the future. With a strong economic fundamentals, it is believed that investment flows
118 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
tetap terjaga sehingga akan menggerakkan industri dalam negeri. Selaras dengan hal tersebut, jumlah kelas menengah semakin meningkat. Kelompok masyarakat ini memiliki daya konsumsi yang relatif tinggi.
Meningkatnya jumlah kelas menengah merupakan hal positif bagi MNC Bank yang tetap fokus pada segmen konsumer dan retail yang didukung sektor korporasi dan komersial. MNC Bank hadir untuk memenuhi kebutuhan masyarakat dengan layanan yang berkualitas dengan dukungan infrastruktur dan teknologi digital.
will be maintained so that it will drive the domestic industry. In line with this, the number of middle class is increasing. This community group has a relatively high consumption power.
The increasing number of middle class is a positive thing for MNC Bank which remains focused on the consumer and retail segments supported by the corporate and commercial sectors. MNC Bank is here to meet the needs of the community with quality services with the support of infrastructure and digital technology.
Tabel Target dan Realisasi 2018 dan Proyeksi 2019Table of 2018 Target and realization & 2019 projection
Dalam Juta RupiahIn Million Rupiah
UraianDescription
Target 20192019 Target
Target 20182018 Taraget
Realisasi 20182018 Realization Keterangan
AsetAssets 11.977.219 11.388.186 10.854.855 Di bawah target
Below Target
KreditCredit 8.455.851 7.649.635 7.511.633 Di bawah target
Below Target
DPKThird Party Funds 9.447.381 9.232.450 8.469.956 Di bawah target
Below Target
EkuitasEquity 1.680.151 1.481.895 1.429.990 Di bawah target
Below Target
NPL Gross (%) 5,08% 5,26% 5,72% Di bawah targetBelow Target
NPL Net (%) 3,00% 2,71% 3,43% Di bawah targetBelow Target
LFR (%) 89,50% 86,10% 88,64% Di atas targetBelow Target
NIM (%) 4,36% 3,72% 4,10% Di atas targetBelow Target
BOPO (%) 96,27% 88,83% 93,51% Di bawah targetBelow Target
CAR (%) 17,67% 14,65% 16,27% Di atas targetBelow Target
STrATEgi PEngEMBAngAn uSAhA 2019MNC Bank menatap optimistis prospek bisnis tahun depan dengan mempersiapkan strategi yang akan dilaksanakan yaitu sebagai berikut:
Permodalan Untuk memperkuat struktur permodalan, Bank akan kembali melakukan penambahan modal melalui mekanisme Rights Issue dengan target sebesar ±Rp200 miliar di tahun 2019.
Produk dan jasa (Layanan) Melanjutkan pengembangan produk-produk digital yang sudah ada seperti mobile Banking, internet Banking dan punyakartu, agar dapat memenuhi kebutuhan pasar yang terus berubah. Untuk layanan mobile banking, terdapat penambahan fungsi bills payment dan voucher purchase. Bank juga akan mengembangkan mekanisme pembelian melalui Quick Response (QR code) sebagai salah satu fitur
BUsiness DeVeloPment strAteGy in 2019MNC Bank looks optimistically at next year’s business prospects by preparing the strategy to be implemented, as follows:
capitalTo Strenghtening the capital structure, the Bank will again increase capital through the Rights Issue mechanism with a target of ±Rp200 billion in 2019.
Products and servicesContinuing the development of existing digital products such as mobile banking, internet banking and other cards, in order to meet the changing market needs. For mobile banking services, there are additional bills payment and voucher purchase functions. The bank will also develop a purchasing mechanism through Quick Response (QR code) as one of the features of mobile banking. In addition,
119Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
mobile banking. Selain itu bank akan mengembangkan pembukaan rekening secara online, layanan loyalty management, layanan transaksi melalui mesin Electronic Data Capture (EDC), co-branding dengan institusi, menawarkan kerjasama menjadi bank penyimpan, dan pengembangan kartu kredit Lady’s card.
Strategi Akuisisi nasabah Terus membangun sinergi yang kuat dengan perusahaan, karyawan, rekanan serta nasabah yang berada dalam Grup MNC maupun di luar Grup MNC untuk meningkatkan jumlah nasabah (customer base) simpanan (funding) maupun nasabah debitur (lending). Serta terus mengembangkan komunikasi pemasaran dengan menggunakan media digital.
infrastruktur Melanjutkan pengembangan infrastruktur untuk mendukung akusisi dan layanan nasabah (business block) serta operasional Bank (support block). Pengembangan infrastruktur untuk business block akan difokuskan pada pengembangan platform secara End to End mulai dari proses akusisi sampai dengan proses atas transaksi. Sedangkan pengembangan infrastruktur support block dilakukan dengan melakukan proses otomasi dan digitalisasi untuk mendukung tercapainya bisnis proses yang berbiaya rendah dalam rangka meningkatkan efisiensi dan keakuratan.
jaringan distribusi • Jaringan Kantor MNC Bank akan melanjutkan penataan dan
pengembangan jaringan kantor (branch network) dilakukan sebagai kelanjutan dari evaluasi menyeluruh terhadap lokasi, SDM, infrastruktur dan kinerja cabang. Bank juga akan melanjutkan konsolidasi, pengembangan SDM dan peningkatan infrastruktur pendukung dengan memanfaatkan teknologi digital.
• Jaringan Elektronik Bank melanjutkan fokus pada upaya-upaya untuk
meningkatkan penggunaan mobile Banking untuk nasabah individu dan internet Banking untuk nasabah korporasi serta meningkatkan kemampuan layanan beberapa aplikasi mobile yang telah diluncurkan pada tahun 2018, yaitu punyakartu, aplikasi mobile kartu kredit yang ditujukan untuk para pengguna kartu kredit Bank dimana nasabah akan mendapatkan informasi dan penawaran spesial.
Sumber daya Manusia Melanjutkan evaluasi secara komprehensif terkait sumber daya manusia yang dilakukan secara berkesinambungan agar lebih fokus mendukung sasaran bisnis Bank.
Penanganan Kredit Bermasalah Fokus utama dari Special asset management unit semaksimal mungkin melakukan recovery dari kredit – kredit bermasalah dengan melakukan langkah – langkah penyelamatan atas kredit bermasalah melalui proses restrukturisasi. Meningkatkan Kualitas Penerapan Manajemen Risiko dan Tata Kelola yang baik.
the bank will develop online account opening, loyalty management services, transaction services through Electronic Data Capture (EDC) machines, co-branding with institutions, offering cooperation to become a deposit bank, and developing a Lady’s card credit card.
customer Acquisition strategyContinue to build strong synergies with companies, employees, partners and customers who are in the MNC Group and outside the MNC Group to increase the number of customers (customer base) deposits (debtors) and customers (lending). And continue to develop marketing communications using digital media.
infrastructureContinuing the development of infrastructure to support acquisition and customer service (business block) and bank operations (support block). Infrastructure development for the business block will be focused on developing the End to End platform starting from the acquisition process to the process of the transaction. While the development of infrastructure support blocks is carried out by carrying out automation and digitization processes to support the achievement of business processes that are low cost in order to improve efficiency and accuracy.
Distribution network• Office network MNC Bank will continue the arrangement and
development of office networks (branch network) carried out as a continuation of a comprehensive evaluation of location, HR, infrastructure and branch performance. The bank will also continue to consolidate, develop human resources and improve supporting infrastructure by utilizing digital technology.
• Electronic Network The Bank continues to focus on efforts to increase the
use of mobile banking for individual customers and internet banking for corporate customers and improve service capabilities of several mobile applications that were launched in 2018, i.e. the card, a credit card mobile application intended for Bank credit card users. where customers will get information and special offers.
human resourcesContinuing a comprehensive evaluation of human resources carried out on an ongoing basis to focus more on supporting the Bank’s business objectives.
handling of troubled loansThe main focus of the Special Asset Management Unit is as much as possible to recover from non-performing loans by taking steps to save non-performing loans through a restructuring process. Improving the Quality of Implementation of Good Risk Management and Governance.
120 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
ASPEK PEMASArAn Pada tahun 2018, MNC Bank melanjutkan strategi pemasaran yang disesuaikan dengan target segmen serta bersinergi dengan MNC Group untuk memaksimalkan paparan media.
Untuk lebih meningkatkan awareness produk dan platform digital sebagai bagian dari strategi pemasaran untuk mendukung produk serta produktivitas jaringan akuisisi yang telah dibangun, maka MNC Bank melakukan komunikasi pemasaran menyeluruh dan efektif melalui pemasaran media digital, cetak dan elektronik. MNC Bank terus meningkatkan sinergi dengan MNC Group, mengoptimalkan infrastruktur IT melalui mobile banking, pengembangan internet banking, peluncuran aplikasi finansial dan pengembangan fitur-fitur ATM serta melakukan co-branding dengan pihak ketiga. Pada sisi penghimpunan DPK, MNC Bank memfokuskan perolehan dana murah sebagai bagian dari upaya menurunkan biaya dana.
Pada 2018, MNC Bank terus mengembangkan penetrasi aplikasi E-Bizz Banking untuk sisi korporasi dan punyacelengan dengan konsep gamafikasi untuk edukasi keuangan sejak usia dini dan mendukung pemasaran menggunakan platform digital. Pada sisi penyaluran dana (Kredit) memfokuskan kepada peningkatan kualitas kredit dari kuantitas kredit konsumer dan retail. MNC Bank juga memperluas penetrasi aplikasi punyakartu dan punyarumah untuk mendukung pemasaran menggunakan platform digital.
Bank terus menggiatkan program-program promosi dengan suku bunga, kemudahan proses, jangka waktu dan biaya kredit yang kompetitif, baik secara sendiri maupun bekerjasama dengan agen pemasaran dan pengembang properti serta perusahaan atau koperasi karyawan yang memiliki kerjasama Employee Benefit Program. Untuk lebih meningkatkan penjualan, MNC Bank juga memperkuat metode direct sales, telesales dan cross selling antara produk Funding dengan produk Lending. Strategi tersebut dilengkapi dengan aktivitas promosi dan iklan serta pameran-pameran di pusat keramaian termasuk pada acara-acara yang diadakan MNC Group.
STrATEgi KOMuniKASi PEMASArAn 2018 Pada 2018, Bank melanjutkan strategi komunikasi pemasaran untuk mendukung pemasaran produk dan jasa. Secara garis besar, strategi Bank dalam komunikasi pemasaran sebagai berikut: 1. Visibilitas Merek Bank terus berupaya meningkatkan visibilitas merek yang
positif dengan menekankan konsep komunikasi yang efektif untuk setiap konten komunikasi yang dijalankan. Setiap konten dibuat dengan memperhatikan ketentuan POJK No. 1/ POJK.07/2013 tentang Perlindungan Konsumen Sektor Jasa Keuangan, SEOJK No.12/SEOJK.07/2014 tentang Penyampaian Informasi Dalam Rangka Pemasaran Produk dan/atau Layanan Jasa Keuangan.
mArketinG AsPectIn 2018, MNC Bank continued its marketing strategy tailored to the target segment and synergized with MNC Group to maximize media exposure.
To further increase awareness of digital products and platforms as part of a marketing strategy to support the product and productivity of the acquisition network that has been built, the MNC Bank conducts comprehensive and effective marketing communication through the marketing of digital, print and electronic media. MNC Bank continues to improve synergy with MNC Group, optimize IT infrastructure through mobile banking, develop internet banking, launch financial applications and develop ATM features and co-branding with third parties. On the side of collecting deposits, MNC Bank focuses on obtaining low-cost funds as part of efforts to reduce funding costs.
In 2018, MNC Bank continued to develop the penetration of the E-Bizz Banking application for the corporate side and coupled with the application concept for financial education from an early age and supported marketing using digital platforms. On the side of channeling funds (Credit), the focus is on improving credit quality from the quantity of consumer and retail loans. MNC Bank also extends the penetration of applications for cards and homes to support marketing using digital platforms.
The Bank continues to intensify promotional programs with interest rates, ease of process, competitive term and credit costs, both alone and in collaboration with marketing agents and property developers and companies or employee cooperatives that have Employee Benefit Cooperation programs. To further increase sales, MNC Bank also strengthens direct sales, telesales and cross selling methods between Funding products and Lending products. The strategy is complemented by promotional activities and advertisements as well as exhibitions in crowd centers including at events held by MNC Group.
mArketinG commUnicAtion strAteGy in 2018In 2018, the Bank continued its marketing communication strategy to support marketing of products and services. Generally speaking, the Bank’s strategy in marketing communication is as follows:1. Brand Visibility The Bank continues to increase positive brand visibility
by emphasizing the concept of effective communication for every communication content that is carried out. Each content is made in accordance with the provisions of POJK No. 1 / POJK.07 / 2013 concerning Consumer Protection of the Financial Services Sector, SEOJK No.12 / SEOJK.07 / 2014 concerning Submission of Information in the Context of Marketing of Financial Products and / or Services.
121Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
2. Kanal Komunikasi Bank secara efisien menggunakan kanal komunikasi
baik berbayar dan tidak berbayar untuk menyampaikan komunikasi pemasaran kepada masyarakat dan nasabah,
3. Aplikasi Mobile Selain memanfaatkan kanal komunikasi konvensional
dan digital, Bank juga memanfaatkan aplikasi mobile untuk memberikan nilai tambah pada target komunikasi.
2. Communication Channels Banks efficiently use both paid and unpaid
communication channels to deliver marketing communications to the public and customers,
3. Mobile Application In addition to utilizing conventional and digital
communication channels, the Bank also utilizes mobile applications to provide added value to the communication target.
MNC Bank berencana membayar dividen kas kepada seluruh pemegang saham sekurang-kurangnya satu kali dalam setahun sampai dengan 25% dari Laba Bersih mulai tahun buku 2018, dengan tetap memperhatikan peraturan perundang-undangan yang berlaku, posisi keuangan atau tingkat kesehatan Perseroan dan tanpa mengurangi hak dari RUPS.
PEnggunAAn dAnA hASiL PEnAwArAn uMuM Realisasi penggunaan dana hasil penawaran umum disajikan dalam tabel berikut :
MNC Bank plans to pay cash dividends to all shareholders at least once a year up to 25% of Net Profit starting in fiscal year 2018, due regard to the applicable laws and regulations, financial position or soundness of the Company and without prejudice to the rights of GMS.
Use of PUBlic offerinG fUnDsRealization use of the public offering funds is presented in the following table:
DIVIDen Dan keBIjakan dIVIdenDivident and Divident Policy
Jenis Penawaran Umum
Type of Public Offering
Tanggal Efektif
Effective date
Nilai Realisasi Penawaran UmumRealization Value of Public Offering
Rencana Penggunaan
Dana Menurut Prospektus
Use Plans of Funds According
to Prospectus
Realisasi Penggunaan
Dana Menurut Prospektus
Use Realization of Funds According to
Prospectus
Sisa Dana Hasil
Penawaran Umum
Remaining Funds from
Public Offering
Jumlah Hasil Penawaran
Umum Total of Public
Offering Results
Biaya Penawaran
Umum Public
Offering Fee
Hasil Bersih Net Profit
Penawaran Umum Dengan Hak Memesan Efek Terlebih Dahulu Public Offering With Preemptive Rights
28 Mei 2018 27.358.027.100 2.077.455.812 25.280.571.288 25.280.517.288 25.280.517.288 0
122 PT Bank MNC Internasional Tbk.
4
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
informAtion ABoUt inVestment, eXPAnsion, DiVestment thAt contAin conflict of interest
Throughout 2018, MNC Bank does not make investments, expansion and divestments that contain conflicts of interest.
transaksi Benturan kepentingan There are no transactions that contain conflicts of interest during the reporting year conducted by MNC Bank.
transactions with related PartiesIn carrying out business activities, MNC Bank conducts transactions with parties that are reasonably related and in accordance with applicable rules and regulations. Recording of related transactions has been carried out in accordance with the provisions in PSAK No. 7 (revised 2010) regarding “Related party disclosures”.
The complete material transactions with related parties during 2018 are contained in Note Number 35 in the Audited Financial Report.
UnDerstAnDinG chAnGes / reGUlAtion reGUlAtion thAt Affect siGnificAntly to the comPAny
There are no changes in laws and regulations that have a significant effect on MNC Bank’s business throughout 2018.
chAnGes in AccoUntinG Policies AnD its imPAct on finAnciAl stAtementsIn the current year, the Bank has implemented a number of amendments and interpretations of PSAK that are relevant to its operations and effective for the accounting period beginning on or after January 1, 2018, as follows:1. PSAK 2 (amendment): Presentation of the Cash Flow
Statement about the Disclosure Initiative2. PSAK 46 (amendment): Income Tax on Recognition of
Deferred Tax Assets for Unrealized Losses
BUsiness continUAtion informAtion (GoinG concern)Throughout 2018 there were no things that had the potential to have a significant / material effect on the business continuity of MNC Bank. This is based on an assessment by Management of the Bank’s ability to continue its business.
inFOrMASi MEngEnAi inVESTASi, EKSPAnSi, diVESTASi yAng MEngAndung BEnTurAn KEPEnTingAn Sepanjang tahun 2018, MNC Bank tidak melakukan investasi, ekspansi dan divestasi yang mengandung benturan kepentingan.
Transaksi Benturan Kepentingan Tidak ada transaksi yang mengandung benturan kepentingan selama tahun pelaporan yang dilakukan oleh MNC Bank.
Transaksi dengan Pihak Berelasi Dalam menjalankan kegiatan usaha, MNC Bank melakukan transaksi dengan pihak yang berelasi secara wajar dan sesuai dengan ketentuan dan peraturan yang berlaku. Pencatatan transaksi berelasi telah dilakukan sesuai dengan ketentuan dalam PSAK No. 7 (revisi tahun 2010) mengenai “Pengungkapan pihak-pihak berelasi”.
Selengkapnya transaksi material dengan pihak berelasi selama tahun 2018 terdapat pada Catatan Nomor 35 dalam Laporan Keuangan Audited.
PEruBAhAn/PErATurAn PErundAngundAngAn yAng BErPEngAruh SigniFiKAn TErhAdAP PEruSAhAAnTidak ada perubahan peraturan perundang-undangan yang berpengaruh signifikan terhadap usaha MNC Bank sepanjang tahun 2018.
PEruBAhAn KEBijAKAn AKunTAnSi dAn dAMPAKnyA TErhAdAP LAPOrAn KEuAngAn Dalam tahun berjalan, Bank telah menerapkan sejumlah amandemen dan interpretasi PSAK yang relevan dengan operasinya dan efektif untuk periode akuntansi yang dimulai pada atau setelah 1 Januari 2018, sebagai berikut:1. PSAK 2 (amandemen) : Penyajian Laporan Arus Kas
tentang Prakarsa Pengungkapan2. PSAK 46 (amandemen) : Pajak Penghasilan tentang
Pengakuan Aset Pajak Tangguhan untu Rugi yang Belum Direalisasi
inFOrMASi KEBErLAngSungAn uSAhA (gOing COnCErn)Sepanjang 2018 tidak terdapat hal-hal yang mempunyai potensi berpengaruh signifikan/material terhadap kelangsungan usaha MNC Bank. Hal ini berlandaskan pada penilaian yang dilakukan Manajemen atas kemampuan Bank untuk melanjutkan usahanya.
123Laporan Tahunan 2018 Annual Report
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Dalam melakukan penilaian kelangsungan usahanya, MNC Bank berlandaskan pada faktor-faktor berikut:1. Kinerja keuangan2. Solvabilitas3. Masalah internal4. Perkara hukum5. Asumsi bahwa kondisi ekonomi di Indonesia dan secara
global tidak tidak akan mengganggu jalannya bisnis secara alamiah pada industry perbankan.
MNC Bank memiliki sumber daya yang memadai untuk melanjutkan usahanya di masa mendatang. Manajemen juga tidak melihat adaya ketidakpastian yang material yang dapat menimbulkan keragu-raguan yang signifikan terhadap kemampuan Bank untuk mempertahankan kelangsungan usahanya. Oleh karenanya, laporan keuangan Bank telah disusun atas dasar usaha yang berkelanjutan.
In assessing the viability of its business, MNC Bank is based on the following factors:1. Financial performance2. Solvency3. Internal problems4. Legal cases5. The assumption that economic conditions in Indonesia
and globally will not naturally disrupt business operations in the banking industry.
MNC Bank has adequate resources to continue its business in the future. Management also does not see any material uncertainty that can cause significant doubt on the Bank’s ability to sustain its business. Therefore, the Bank’s financial statements have been prepared on the basis of a sustainable business.
tInjauan operaSIonalOperational Review
126 Sumber Daya ManusiaHuman Resources
134 Teknologi InformasiInformation Technology
05
126 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
suMber DayamanuSIaHuman Resources
KEBijAKAn PEngELOLAAn SuMBEr dAyA MAnuSiAMNC Bank memahami bahwa SDM dengan kapabilitas yang tinggi merupakan tulang punggung pengembangan usaha dan berperan penting dalam mendukung transformasi Bank dari entitas lama ke entitas baru. Sehubungan dengan itu, dalam rangka melakukan pembenahan dan pengembangan usaha, MNC Bank menetapkan tiga tahap pengembangan SDM, yaitu: (1) Foundation Building Stage; (2) Focusing the Business Stage; dan (3) Sustainability Growth Stage.
Sumber Daya Manusia yang kompeten dan produktif merupakan modal dasar bagi MNC Bank untuk untuk dapat bertransformasi menjadi Bank yang mampu memberikan layanan bintang 5 dengan menawarkan layanan keuangan yang sejalan dengan lifestyle untuk meningkatkan kualitas hidup tertuang dalam visi dan misi MNC Bank. Proses transformasi ini tentunya dapat tercapai jika dilalui dijalankan dengan tahapan yang jelas serta terukur milestone pencapaiannya dari setiap tahapan yang dimaksud sehingga transformasi memberikan hasil yang signifikan terhadap pertumbungan bisnis, proses bisnis, dan budaya kerja perusahaan. Tahapan yang telah berhasil dilalui MNC Bank dalam meletakkan dasar-dasar praktek bisnis yang sehat dan didukung oleh tata kelola yang baik (Good Corporate Governance) atau disebut sebagai tahap Foundation Building akan ditindak-lanjuti dengan tahap fokus pada bisnis/Focusing on the Business.
hUmAn resoUrces mAnAGement PolicyMNC Bank understands that HR with high capability is the backbone of business development and plays an important role in supporting the transformation of the Bank from old entities to new entities. In connection with that, in order to make improvements and business development, MNC Bank establishes three stages of HR development, namely: (1) Foundation Building Stage; (2) Focusing the Business Stage; and (3) Sustainability Growth Stage.
Competent and productive Human Resources are the basic asset for MNC Bank to be able to transform into a 5-star service Bank by offering financial services that are in line with lifestyle to improve the quality of life in the MNC Bank’s vision and mission. This transformation process can certainly be achieved, if it is carried out with a clear and measurable stage of achievement milestones from each of the stages, so that the transformation gives significant results to the growth of the business, business processes, and work culture of the company. The stages that have been successfully passed by MNC Bank in laying the foundations of sound business practices and supported by Good Corporate Governance or referred to as the Foundation Building stage will be followed up with a Focusing on the Business.
Peningkatan dalam proses dan teknologi tentunya tidak akan cukup tanpa dukungan dari Sumber Daya Manusia (SDM) yang kompeten dan beretos kerja baik. Atas dasar ini, MNC Bank berkomitmen untuk terus mengelola SDM secara komprehensif dan
berkesinambungan sehingga terbangun fondasi yang solid guna memperkuat bisnis dengan organisasi SDM yang lebih baik, kuat dan efisien.
Improvement in process and technology definitely will not be enough without the support of competent and well-working human resources (HR). On this basis, MNC Bank is committed to continuing to manage human resources comprehensively and sustainably so that a solid foundation is built to strengthen business with a better,
stronger and more efficient human resources organization.
127Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Pada tahun 2018, pengelolaan SDM juga difokuskan pada peningkatan capacity planning, penyusunan dan penyempurnaan kebijakan dan prosedur di bawah direktorat SDM, pemenuhan jumlah kebutuhan SDM sesuai MPP, penerapan manajemen kinerja secara konsisten serta penerapan pelatihan dan pengembangan. Untuk itu, Bank telah melakukan penyempurnaan proses bisnis (business process improvement), pemenuhan komitmen Bank kepada OJK dan regulator lain, evaluasi struktur organisasi secara berkala, evaluasi karyawan dan pemenuhan Man Power Planning (MPP) sesuai perkembangan bisnis. Pemenuhan kebutuhan SDM di MNC Bank disusun setiap tahun dalam Man Power Planning (MPP) yang disesuaikan dengan kebutuhan bisnis dan rencana jangka panjang Bank. Secara garis besar, MNC Bank telah berhasil memenuhi kebutuhan SDM tahun 2018 sebagamana tercemin dalam pengukuran risiko operasional terkait pemenuhan kebutuhan SDM yang menunjukkan indikator low to moderate. Dalam menyusun Man Power Planning dan rekruitmen karyawan terkait kebutuhan SDM, MNC Bank senantiasa memerhatikan efektivitas biaya (overhead cost) sebagai landasan, yang merupakan salah satu kontribusi SDM dalam mencapai profitabilitas perusahaan.
TAnTAngAn dAn STrATEgi Tantangan MNC Bank di tahun 2018 adalah untuk memperkuat budaya kerja dan meningkatkan kompetensi karyawan dalam rangka peningkatan efektivitas dan efisiensi poses kerja demi meningkatkan pencapaian
In 2018, HR management was also focused on increasing capacity planning, drafting and refining policies and procedures under the HR directorate, fulfilling the number of HR needs according to MPP, consistently implementing performance management and implementing training and development. For this reason, the Bank has perfected business processes (business process improvement), fulfilled the Bank’s commitment to the OJK and other regulators, regularly evaluated organizational structures, evaluated employees and fulfilled Man Power Planning (MPP) according to business development. Fulfillment of HR’s needs at MNC Bank is prepared annually in Man Power Planning (MPP) that is tailored to the business needs and long-term plans of the Bank. Broadly speaking, MNC Bank has succeeded in meeting HR needs in 2018 as well as reflected in the measurement of operational risk related to meeting HR needs that show low to moderate indicators. In compiling Man Power Planning and employee recruitment related to HR needs, MNC Bank always pays attention to cost effectiveness (overhead cost) as a foundation, which is one of HR’s contributions in achieving company profitability.
chAllenGes AnD strAteGiesThe challenges of MNC Bank in 2018 are to strengthen the work culture and improve employee competencies in order to increase the effectiveness and efficiency of work processes to improve the achievement of the company’s operational
128 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
target operasional perusahaan. Untuk menjawab tantangan tersebut, MNC Bank memulai dengan reshaping organisasi serta mengevaluasi proses kerja Core dan Non-Core bisnis Bank melalui perbaikan kebijakan dan prosedur yang ada dalam upaya untuk membentuk budaya kerja yang positif dan membangun, serta meningkatkan brand awareness, employee engagement dan hubungan industrial.
Sesuai fase yang tengah menjadi fokus organisasi Bank dimana pada tahun 2018 fokus organisasi adalah masih pada penataan infrastruktur (foundation building), maka fokus MNC Bank di area SDM pada tahun 2018 masih pada pemenuhan kecukupan SDM pada posisi-posisi kritikal serta pelaksanaan program pelatihan yang mendukung pencapaian target organisasi. MNC Bank melanjutkan identifikasi karyawan (talent) dan secara case by case menetapkan inisiatif-inisiatif untuk pengayaan kompetensi karyawan-karyawan tersebut. Untuk memastikan keberhasilan program pengelolaan dan pengembangan kompetensi SDM, strategi dan kebijakan rekruitmen juga memastikan setiap individu memiliki keahlian dan kompetensi yang dibutuhkan untuk mendukung implementasi strategi usaha. Pada tahun 2018 MNC Bank melanjutkan program penyiapan pimpinan masa depan yang merupakan program yang tersentralisasi pelaksanaannya di MNC Group (MNC Academy Program) dan telah dijalankan sejak 2016. Melalui program ini, MNC Group berkoordinasi dengan setiap lini bisnis dalam mengidentifikasi kebutuhan dan menyusun kurikulum program pengembangan. Melalui proses seleksi yang melibatkan Direksi dari semua lini bisnis, dipilih kandidat-kandidat dengan prestasi akademis terbaik untuk kemudian mengikuti program pengembangan selama kurang lebih satu tahun di setidaknya 1 (satu) lini bisnis sebelum penempatan. Sebagaimana halnya tahun 2017, upaya pengembangan selama 2018 tidak hanya melibatkan para Direksi yang menjadi project owners kandidat, tetapi juga mentors dan buddies.
PELATihAn dAn PEngEMBAngAn SdM 2018Sepanjang tahun 2018, peningkatan kompetensi SDM dilaksanakan melalui program pelatihan yang difokuskan pada tiga hal utama, yaitu:1. Mandatory (Wajib) Program pelatihan yang dirancang dan diselenggarakan
untuk memenuhi persyaratan regulator.2. Leadership (Kepemimpinan) Program pelatihan dirancang dan diselenggarakan untuk
memenuhi skill kepemimpinan karyawan, khususnya bagi karyawan yang mempunyai bawahan.
3. Product, technical & Soft skills Program pelatihan yang dirancang untuk mengenalkan
produk serta mengajarkan karyawan keahlian tehnis dan keterampilan untuk menjual produk.
Adapun realisasi pelaksanaan pelatihan dan pengembangan karyawan sepanjang tahun 2018 adalah sebagaimana tabel berikut:
targets. To answer this challenge, MNC Bank started with organizational reshaping and evaluated the Bank’s Core and Non-Core business processes through improving existing policies and procedures in an effort to establish a positive and constructive work culture, as well as increasing brand awareness, employee engagement and industrial relations.
In accordance with the phase that is currently the focus of the Bank’s organization, where in 2018, the organization’s focus is still on foundation building. MNC Bank’s focus in the HR area in 2018 is still on meeting the adequacy of HR in critical positions as well as supporting training programs achievement of organizational targets. MNC Bank continues to identify employees (talent) and in case by case establish initiatives to enrich the competencies of these employees. To ensure the success of the HR competency management and development program, strategies and recruitment policies also ensure that each individual has the expertise and competencies needed to support the implementation of business strategies. In 2018, MNC Bank continued its future leadership preparation program that is a centralized program implemented in the MNC Group (MNC Academy Program) and it has been implemented since 2016. Through this program, MNC Group coordinates with each business line in identifying needs and developing development program curriculum. . Through a selection process that involves Directors from all business lines, candidates are selected with the best academic achievements and then they enroll a development program for approximately one year in at least 1 (one) business line before placement. As in 2017, the development efforts during 2018 did not only involve the Directors who become the candidates’ project owners, but also mentors and buddies.
hr trAininG AnD DeVeloPment 2018Throughout 2018, improving HR competencies was carried out through a training program focused on three main things, namely:1. Mandatory Training programs designed and organized to meet
regulatory requirements.2. Leadership Training programs designed and organized to fulfill
employee leadership skills, especially for employees who have subordinates.
3. Product, technical & Soft skills Training program designed to introduce product and
teach employees technical expertise and skills to sell products
The realization of the implementation of training and development of employees throughout 2018 is as follows:
129Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No. Bulan Month
Aktivitas PelatihanTraining Activities
Jumlah PesertaNumber of Participants
1 JanuariJanuary
Program pelatihan wajib/mandatory trainningMandatory training program
30
Product, technical & soft skill 251
2 FebruariFebruary
Program pelatihan wajib/mandatory trainningMandatory training program
131
Product, technical & soft skill 343
3 MaretMarch
Program pelatihan wajib/mandatory trainningMandatory training program
21
Product, technical & soft skill 565
4 AprilApril
Program pelatihan wajib/mandatory trainningMandatory training program
46
Product, technical & soft skill 209
Leadership 81
5 MeiMay
Program pelatihan wajib/mandatory trainningMandatory training program
236
Product, technical & soft skill 194
6 JuniJune
Program pelatihan wajib/mandatory trainningMandatory training program
156
Product, technical & soft skill 75
7 JuliJuly
Program pelatihan wajib/mandatory trainningMandatory training program
97
Product, technical & soft skill 285
Leadership 100
8 AgustusAugust
Program pelatihan wajib/mandatory trainningMandatory training program
63
Product, technical & soft skill 185
9 SeptemberSeptember
Program pelatihan wajib/mandatory trainningMandatory training program
131
Product, technical & soft skill 498
10 OktoberOctober
Program pelatihan wajib/mandatory trainningMandatory training program
46
Product, technical & soft skill 110
Leadership 64
130 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No. Bulan Month
Aktivitas PelatihanTraining Activities
Jumlah PesertaNumber of Participants
11 November November
Program pelatihan wajib/mandatory trainningMandatory training program
64
Product, technical & soft skill 297
12 DesemberDecember
Program pelatihan wajib/mandatory trainningMandatory training program
216
Product, technical & soft skill 362
TOTAL 4.210
Tabel Sertifikasi Manajemen Risikorisk Management certification Table
Status Pemenuhan
Level Sertifikasi
Jumlah Personel
Status Pemenuhan
Status Pemenuhan Sertifikasi (Jumlah Karyawan)
Belum Memiliki Level 1 Level 2 Level 3 Level 4 Level 5 Total
Level 1 310 283 27 - - - - - 27
Level 2 85 85 - - - - - - -
Level 3 62 59 - 1 2 - - - 3
Level 4 19 19 - - - - - - -
Level 5 2 2 - - - - - - -
Total 478448 30
93,73% 6,27%
BiAyA PELATihAn dAn PEngEMBAngAn SdM 2018 Pada 2018, MNC Bank mengeluarkan biaya pelatihan sebesar Rp 9,903 miliar atau sebesar 4,56% dari staff cost.Jumlah peserta training mencapai 4.210 orang atau 3,08 training days per satu orang karyawan.
PEniLAiAn KinErjADalam hal penilaian kinerja, MNC Bank menyusun Performance Management pada awal tahun dan melakukan evaluasi pada pertengahan tahun (mid-year review) untuk memastikan KPI yang disusun pada awal tahun masih relevan dengan target bisnis. Selanjutnya, diterapkan metode penilaian berupa year-end-review setiap akhir tahun. Untuk mengelola jenjang karir, MNC Bank mengidentifikasi individu-individu berbakat yang sesuai dengan visi dan misi Bank serta berkinerja baik.
Kenaikan jenjang karir berupa promosi juga menimbulkan peningkatan peran dan tanggung jawab karyawan terkait.
hr trAininG AnD DeVeloPment cost 2018In 2018, MNC Bank issued training fees of Rp. 9.903 billion or 4.56% of staff costs. The number of training participants reached 4,210 people or 3.08 training days per one employee.
PerformAnce AssessmentIn terms of performance assessment, MNC Bank prepared Performance Management at the beginning of the year and conducted a mid-year review to ensure that compiled KPI at the beginning of the year was still relevant to the business target. Furthermore, the assessment method is implemented in the form of year-end-review at the end of each year. To manage career paths, MNC Bank identifies talented individuals who are in accordance with the Bank’s vision and mission and perform well.
Increasing career paths in the form of promotions also lead to increased roles and responsibilities of related employees.
131Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
emPloyee welfAreIn terms of employee welfare, MNC Bank always refers to the applicable Law in determining compensation and benefits for employees by using a total reward approach that includes salary and all facilities for employees.
The remuneration component for MNC Bank employees is determined to include fixed and variable remuneration. To ensure that the reward is competitive in the same industry, MNC Bank periodically benchmarks compensation and benefits with the market in line with increasingly fierce market competition.
remUnerAtion PolicyIn compensation policies, MNC Bank adheres to the following principles:1. Pay for Performance Employees with good performance
will get the appropriate remuneration return and vice versa.
2. Pay Differentiation Differences in compensation for Top Performers.
3. Total Compensation Consists of basic salary + benefits + incentives.
In determining employee benefits and remuneration, MNC Bank evaluates the assessment mechanism that has been systematically applied at the MNC Bank. To measure performance achievement, MNC Bank has implemented Performance Management assessments consistently and objectively. Performance Management consists of Shared Goals, or in the other word, MNC Bank targets and Key Performance Indicators (KPI) to measure individual performance and Core Values to measure the application of company values by each employee.
emPloyee ProfileTotal number of MNC Bank’s employees as of the end of 2018 was 955, a decrease of 13.3% from 2017 with 1,102 employees.
The decrease in the number of employees because the number of employees who resigned exceeded the number of new employees. This was due to the decrease in the number of contract employees.
KESEjAhTErAAn KAryAwAnDalam hal kesejahteraan karyawan, MNC Bank senantiasa mengacu ketentuan undang-undang (UU) yang berlaku dalam penetapan kompensasi dan benefits bagi karyawan dengan menggunakan pendekatan total reward yang mencakup gaji dan seluruh fasilitas bagi karyawan.
Komponen remunerasi untuk karyawan MNC Bank ditetapkan meliputi remunerasi yang bersifat tetap dan bersifat variabel. Untuk memastikan reward yang diberikan kompetitif pada industri yang sama, MNC Bank melakukan benchmarking kompensasi dan benefits dengan pasar secara berkala sejalan dengan persaingan pasar yang semakin ketat.
KEBijAKAn rEMunErASiDalam kebijakan kompensasi, MNC Bank menganut prinsip-prinsip sebagai berikut. 1. Pay for Performance: karyawan dengan kinerja yang baik
akan mendapatkan imbal balik remunerasi yang sesuai dan begitu juga sebaliknya.
2. Pay Differentiation: perbedaan dalam pemberian kompensasi bagi Top Performers.
3. Total Compensation: terdiri dari gaji pokok+tunjangan+insentif.
Dalam menentukan benefit dan remunerasi karyawan, MNC Bank melakukan penilaian dengan mekanisme penilaian yang telah diterapkan secara sistematis di MNC Bank. Untuk mengukur pencapaian kinerja, MNC Bank sudah menerapkan penilaian Performance Management (manajemen kinerja) secara konsisten dan obyektif. Performance Management terdiri dari Shared Goals yang merupakan target MNC Bank, Key Performance Indicators (KPI) untuk mengukur kinerja tiap individu dan Core Values untuk mengukur penerapan nilai-nilai perusahaan oleh tiap karyawan.
PrOFiL KAryAwAnJumlah karyawan MNC Bank hingga akhir tahun 2018 tercatat sejumlah 955 orang, mengalami penurunan 13,3% dari jumlah karyawan pada 2017 sejumlah 1.102 orang.
Penurunan jumlah karyawan ini karena jumlah karyawan yang keluar melebihi jumlah karyawan yang masuk (karyawan baru) sehubungan adanya pengurangan jumlah karyawan kontrak.
2016 2017 2018 Pertumbuhan (Orang) Growth (People)
Persentase Pertumbuhan (%)Growth Percentage (%)
1.060 1.102 955 (147) (13.3%)
Pertumbuhan Jumlah Karyawan 2017-2018growth in number of Employees 2017-2018
132 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
juMLAh dAn KOMPOSiSi KAryAwAn BErdASArKAn jEnjAng jABATAnKomposisi karyawan berdasarkan jenjang jabatan pada 2018 didominasi oleh level manager kebawah dengan porsi mencapai 95,1%. Sementara jumlah karyawan dengan level pejabat eksekutif ke atas porsinya mencapai 4,9%.
AmoUnt AnD comPosition of emPloyees BAseD on PositionEmployee composition based on the level of position in 2018 is dominated by the lower level manager with a portion reaching 95.1%. While the number of employees with executive level to the top portion reached 4.9%.
Tabel Jumlah dan Komposisi Karyawan Berdasarkan Jenjang JabatanTable of Total number and Employee composition based on position Level
Jenjang Jabatan 2017 2018 Pertumbuhan (%)Growth (%) Position
Komisaris 3 3 0.0% Commissioner
Komite Audit 2 2 0.0% Audit Committee
Komite Pemantau Risiko 2 2 0.0% Risk Monitoring Committee
Direksi 4 2 (50%) Director
Pejabat Eksekutif 37 38 2,7% Excecutive Officer
Manager 253 217 (14,2%) Manager
Officer 277 254 (8.3%) Officer
Staff 524 437 (16.6%) Staff
Jumlah 1.102 955 (13.3%) Total
juMLAh dAn KOMPOSiSi KAryAwAn BErdASArKAn jEnjAng PEndidiKAnKomposisi karyawan berdasarkan jenjang pendidikan pada 2018 masih didominasi oleh karyawan yang memiliki jenjang pendidikan Sarjana sebanyak 750 orang. Jumlah tersebut mengalami penurunan jika dibandingkan tahun 2017 yang mencapai 860 orang.
AmoUnt AnD comPosition of emPloyees BAseDeDUcAtionAl leVelThe composition of employees based on education levels in 2018 was still dominated by employees who have a Bachelor level of education as many as 750 people. This number has decreased compared to 2017 that reached 860 people.
Jenjang PendidikanEducational Level 2017 2018 Pertumbuhan (%)
Growth (%) Education Level
Non Diploma 37 38 2,7% Non Diploma
Diploma 205 167 (18,5%) Diploma
Sarjana 860 750 (12,8%) Bachelor
Jumlah 1.102 955 (13,3%) Total
Tabel Jumlah dan Komposisi Karyawan Berdasarkan Jenjang PendidikanTable of Total number and Employee composition Based on Education Level
juMLAh dAn KOMPOSiSi KAryAwAn BErdASArKAn STATuS KAryAwAnKomposisi karyawan pada 2018 didominasi oleh karyawan tetap sebanyak 794 orang. Jumlah ini mengalami peningkatan yang sangat signifikan sebesar 307,02% jika dibandingkan dengan jumlah karyawan tetap tahun 2017 sebanyak 195 orang. Sebaliknya, jumlah karyawan dengan status kontrak mengalami penurunan yang signifikan sebesar (82,2%) menjadi 161 orang di tahun 2018.
AmoUnt AnD comPosition of emPloyees BAseDemPloyee stAtUsThe composition of employees in 2018 was dominated by 794 permanent employees. This number experienced a very significant increase of 307.02% when compared to the number of permanent employees in 2017 as many as 195 people. In contrast, the number of employees with contract status has decreased significantly (82.2%) to 161 people in 2018.
133Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel Jumlah dan Komposisi Karyawan Berdasarkan Status KaryawanTable of Total number and Employee composition Based on Employee Status
Status KaryawanEmployee Status 2017 2018 Pertumbuhan (%)
Growth (%) Emplpyee Status
Tetap 907 794 307,2% Permanent
Kontrak 195 161 (82,2%) Contract
Jumlah 1.102 955 (13,3%) Total
juMLAh dAn KOMPOSiSi KAryAwAn BErdASArKAn jEnjAng uSiAKomposisi karyawan berdasarkan jenjang usia pada 2018 masih didominasi oleh karyawan dengan usia 40 tahun ke bawah dengan komposisi mencapai 72% dari total karyawan. Sedangkan jumlah karyawan di rentang usia lebih dari 40 tahun mencapai 28% dari total karyawan.
totAl nUmBer AnD comPosition of emPloyees BAseD on AGeThe composition of employees based on age levels in 2018 was still dominated by employees aged 40 years and under with a composition reaching 72% of total employees. While the number of employees in the age range of more than 40 years reached 28% of the total employees.
Tabel Jumlah dan Komposisi Karyawan Berdasarkan Jenjang UsiaTable of number and composition of Employees Based on Age
No. Jenjang UsiaAge Group 2017 2018 Pertumbuhan (%)
Growth (%)
1 <= 30 302 275 (8,9%)
2 >30 – 40 473 413 (12,7%)
3 >40 – 50 248 209 (15,7%)
4 >50 – 55 69 49 (29,0%)
5 > 55 10 9 (10,0%)
Total 1.102 955 (13,3%)
juMLAh dAn KOMPOSiSi KAryAwAn BErdASArKAn dirEKTOrATSesuai dengan fokus MNC Bank, komposisi penempatan karyawan mayoritas berada pada Direktorat Funding Business dengan jumlah 483 orang. Jumlah ini mengalami penurunan jika dibandingkan tahun 2017 yang mencapai 599 orang. Komposisi jumlah karyawan terbesar selanjutnya berada pada Direktorat Special Asset Management (SAM)& Recovery Business sebanyak 116 orang, meningkat signifikan (169,8%) jika dibandingkan tahun 2017 sebanyak 43 orang.
totAl nUmBer AnD comPosition of emPloyees BAseD on the DirectorAteIn accordance with MNC Bank’s focus, the composition of the majority of employee placements is in the Funding Business Directorate with a total of 483 people. This number has decreased compared to 2017 that reached 599 people. The composition of the largest number of employees is then in the Special Asset Management (SAM) Directorate & Recovery Business as many as 116 people, increased significantly (169.8%) compared to 2017 as many as 43 people.
134 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel Jumlah dan Komposisi Karyawan Berdasarkan Direktorat Table of Total number and composition of Employees by directorate
No Direktorat 2017 2018 PertumbuhanGrowth (%) Directorats
1 Wholesale & SME Banking 20 15 Wholesale & SME Banking
2 Consumer Lending 168 103 Consumer Lending
3 Funding Business 599 483 Funding Business
4 Special Asset Management (SAM) & Recovery Business
43 116 Special Asset Management (SAM) & Recovery Business
5 Commercial, Product & E-Channel 7 0 Commercial, Product & E-Channel
6 CEO 26 51 CEO
7 Compliance 33 28 Compliance
8 Finance 36 30 Finance
9 HR & GS 33 26 HR & GS
10 Operations & Technology 130 96 Operations & Technology
11 Komisaris dan Anggota Komite 7 7 Commissioners and Committee’s member
TOTAL 1.102 955
juMLAh dAn KOMPOSiSi KAryAwAn BErdASArKAn MASA KErjASementara, jika dilihat berdasarkan masa kerja, komposisi terbesar merupakan karyawan dengan masa kerja 10 tahun kebawah yakni mencapai 78,5% dari total karyawan. Sementara karyawan dengan masa kerja diatas 10 tahun hanya mencapai 21,5%.
totAl nUmBer AnD comPosition of emPloyees BAseD on emPloyment Meanwhile, based on the period of work, the largest employment composition consists of employees with less than ten years of service to 78.5% of the total employees. While employees with tenure over 10 years only reached 21.5%.
Tabel Jumlah dan Komposisi Karyawan Berdasarkan Masa Kerja Table of Amount and composition of Employees Based on Working period
No. Masa Kerja (Tahun)Work Period (Years) 2017 2018 Pertumbuhan (%)
Growth (%)
1 <=1 136 161 18,4%
2 >1 – 5 466 389 (16,5%)
3 >5 – 10 292 200 (31,5%)
4 >10 – 15 126 121 (4,0%)
5 >15 – 20 45 58 28,9%
6 >20 37 26 (29,7%)
Total 1.102 955 (13,3%)
TingKAT TurnOVEr KAryAwAnSelama tahun 2018, MNC Bank telah merekrut sebanyak 176 karyawan baru. Jumlah karyawan keluar sebanyak 324 orang karyawan dengan tingkat turnover 32.37%.
leVel of emPloyee tUrnoVerDuring 2018, MNC Bank recruited 176 new employees. The number of employees out was 324 employees with a turnover rate of 32.37%.
135Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Uraian Tahun 2018 (Orang)Year 2018 (People) Description
Jumlah Karyawan 955 Number of Employees
Jumlah Karyawan yang Masuk 176 Total Incoming Employees
Jumlah Karyawan yang Keluar 324 Total Resigned Employees
Tingkat Turnover 32,37% Turnover Level
Tabel Tingkat Turnover KaryawanTabel Employees Turnover rate
136 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Di tahun 2018 MNC Bank melanjutkan prioritas pada
pembangunan platform digital untuk menunjang
pertumbuhan kredit, pertumbuhan dana pihak
ketiga, pertumbuhan komisi transaksi serta menciptakan
keunggulan operasional
In 2018, MNC Bank continued its priority on
building digital platforms to support credit growth,
growth in third party funds, growth in transaction
commissions and creating operational excellence.
137Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KEBijAKAn TEKnOLOgi inFOrMASiTeknologi Informasi adalah sebuah komponen pemberdaya (“enabler”) yang harus hadir di setiap usaha Bank untuk memperbaiki dirinya dalam bersaing di industri perbankan dan mewujudkan visinya menjadi Bank masa depan yang memberikan layanan bintang lima, yang mengikuti gaya hidup nasabah dan membuat semua transaksi keuangan menjadi mudah.
Selanjutnya, digitalisasi bagi MNC Bank merupakan alat utama untuk bersaing dan mengembangkan bisnisnya di industri perbankan. Saat ini proyek-proyek berbasis TI difokuskan untuk mendigitalisasi produk (produk berbasis kartu, pinjaman, tabungan) dan juga proses bisnis (proses akuisisi, aktivasi, referal, retensi dan revenue) guna mencapai target pertumbuhan kredit, pertumbuhan dana pihak ketiga, pertumbuhan komisi transaksi dan menciptakan keunggulan operasional dalam melayani nasabah di segmen konsumer ritel dan komersial.
Digitalisasi produk dan proses bisnis dibagi ke dalam kelompok transformasi bisnis perbankan, bisnis kartu, bisnis treasury. Masing-masing kelompok bisnis diharapkan memberikan tidak hanya pendapatan bunga, tetapi juga pendapatan komisi transaksi. Digitalisasi juga diarahkan untuk menciptakan keunggulan operasional, karenanya setiap usaha digitalisasi di sektor bisnis harus ditunjang dengan perbaikan-perbaikan pada proses, infrastruktur penunjang dan pelatihan bagi para karyawan yang menjalankannya.
informAtion technoloGy PolicyInformation Technology is an empowering component (“enabler”) that must be present in every business of the Bank to improve itself in competing in the banking industry and realize its vision of becoming a future bank that provides five-star services, which follows the customer’s lifestyle and makes all financial transactions easy.
Furthermore, digitalization for MNC Banks is the main tool for competing and developing its business in the banking industry. Currently IT-based projects are focused on digitizing products (card-based products, loans, savings) as well as business processes (acquisition, activation, referral, retention and revenue processes) to achieve credit growth targets, growth in third party funds, transaction commission growth and creating operational excellence in serving customers in the retail and commercial consumer segments.
Digitizing products and business processes are divided into groups of banking, business card, treasury business transformation. Each business group is expected to provide not only interest income, but also transaction commission income. Digitalization is also directed at creating operational excellence, therefore every digitization business must be supported by improvements to the process, supporting infrastructure and training for the employees who run it.
teknologIInformaSIInformation Technology
138 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
STrATEgi TEKnOLOgi inFOrMASiKeseriusan MNC Bank dalam meningkatkan kemampuan digital ditunjukkan dengan terus meningkatkan kehandalan sistem-sistem infrastruktur maupun aplikasi yang telah diluncurkan sebelumnya. Selain itu, MNC Bank juga merencanakan berbagai peningkatan yang sesuai untuk menunjang pertumbuhan bisnis dan peningkatan rentabilitas bank.
rencana Ti untuk Menunjang Pertumbuhan Kartu KreditBank berusaha untuk menjadikan produk kartu kreditnya sebagai kartu kredit pilihan nasabah dalam bertransaksi e-Commerce. Karenanya Bank mengembangkan modul e-commerce acquiring pada aplikasi kartu kreditnya serta melakukan peningkatan fungsi dan fitur platform digital ‘punyakartu’ sehingga nasabah dapat memperoleh dan menebus voucher.
rencana Ti untuk Menunjang Pertumbuhan dPKTerkait aplikasi mobile banking setelah dilengkapi dengan fungsi informasi saldo dan transfer (SKN dan realtime), Bank berencana menambahkan fungsi pembayaran (payment) dan pembelian (purchase). Fungsi payment & purchase diperlukan oleh para nasabah guna membayar atau membeli tagihan/pulsa telepon, listrik, PAM, dll.
Terkait kebutuhan nasabah korporasi dan SME untuk menerima, merekonsiliasi pembayaran tagihan yang diterima dari para pelanggannya, Bank berencana mengembangkan aplikasi Virtual Account (VA). Aplikasi VA membantu nasabah untuk menerima pembayaran tagihan-tagihannya dari para pelanggan, karena aplikasi tersebut mencatat nama pengirim, nilai transaksi yang diterima, merekonsiliasinya terhadap tagihan pelanggan, dan menyajikannya dalam laporan. Pembayaran tagihan dapat diterima melalui transfer BI-SKN, BI-RTGS, ataupun transfer inhouse antar rekening melalui teller, ATM, atau aplikasi mobile banking. Nasabah sebagai penerima pembayaran pelanggan melalui VA, dapat mengetahui atau memonitor pembayaran yang diterima melalui aplikasi Internet Banking Corporate (MNC e-Bizz). Untuk aplikasi MNC e-Bizz sendiri, Bank berencana menambahkan fungsi dan fitur tambahan (enhancement) yaitu bulk transfer dan penerapan keamanan soft token.
rencana Ti untuk Menunjang Pertumbuhan Komisi TransaksiUntuk meningkatkan pendapatan dari komisi transaksi diawali dengan membenahi kemampuan bertransaksi di ATM. Hal tersebut dilakukan dengan menambahkan fitur Online ATM Payment (On Us dan Off Us) untuk pembayaran kartu kredit MNC Bank serta biller lainnya. Pembayaran kartu kredit melalui ATM akan diterima secara realtime, sehingga limit nasabah kartu kredit kembali ke limit semula hingga kartu kredit terkait dapat digunakan untuk berbelanja kembali.
informAtion strAteGy strAteGyThe solemnity of MNC Bank in improving digital capabilities is demonstrated by continuing to improve the reliability of infrastructure systems and applications that have been launched previously. In addition, the MNC Bank plans various appropriate improvements to support business growth and increase bank profitabilitydengan perbaikan-perbaikan pada proses, infrastruktur penunjang dan pelatihan bagi para karyawan yang menjalankannya.
it Plan to support credit card GrowthThe Bank strives to make its credit card products the preferred credit card for customers in e-Commerce transactions. Therefore, the Bank developed acquiring e-commerce modules on its credit card application as well as improving the functionality and features of the digital platform “also cards” so that customers can obtain and redeem vouchers.
it Plans to support Growth in DPkRegarding the mobile banking application after being equipped with the function of balance and transfer information (SKN and realtime), the Bank plans to add a payment and purchase function. The payment & purchase function is required by customers to pay or purchase telephone, electricity, PAM, etc. bills / pulses.
Regarding the needs of corporate customers and SMEs to receive and reconcile bill payments received from their customers, the Bank plans to develop a Virtual Account (VA) application. The VA application helps customers to receive billing payments from customers, because the application records the sender’s name, the value of the transaction received is reconciled to customer bills, and presented in the report. Bill payments can be received through BI-SKN, BI-RTGS, or inhouse transfers between accounts through tellers, ATMs, or mobile banking applications. Customers as recipients of customer payments through VA, can acknowledge or monitor payments received through the Corporate Internet Banking (MNC e-Bizz) application. For its own Corporate Internet Banking (MNC e-Bizz) application, the Bank plans to add additional functions and features, namely bulk transfers and the application of soft token security.
it Plan to support the Growth of the transaction commissionIncreasing revenue from commission transactions begins by fixing the ability to transact at the ATM. This is done by adding Online ATM Payment (On Us and Off Us) features for MNC Bank credit card payments and other billers. Credit card payments via ATM will be received in realtime, so the credit card customer limit returns to the original limit until the related credit card can be used to shop again.
139Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Setelah jaringan ATM terkoneksi ke ATM Bersama dan Prima melalui switching ProSwitch, selanjutnya Bank berencana untuk menambah jumlah biller dan memenuhi ketentuan regulasi Gerbang Pembayaran Nasional (GPN). Biller dimaksud tidak hanya terbatas pada PLN, PAM, atau Telkom, tetapi akan ditambahkan biller-biller lainnya seperti XL, Indosat, Telkomsel untuk membayar tagihan bulanan atau membeli pulsa. Penambahan biller bekerja sama dengan perusahaan penyedia jasa sistem dan aplikasi “payment gateway”.
Dalam hal peningkatan pendapatan dari komisi transaksi di kantor-kantor cabang, Bank berencana mengimplementasikan aplikasi FX One untuk mempermudah proses jual/beli valuta asing.
TAnTAngAn 2018Seperti halnya tahun 2017, tantangan utama terkait pengembangan dan strategi TI bagi MNC Bank di tahun 2018 adalah bahwa semua proyek/usaha/inisiatif digitalisasi di atas harus dilakukan bersamaan dengan pembenahan daya saing Bank terhadap kompetitor yang sudah jauh lebih mapan dan juga bersamaan dengan memperbaiki kualitas kredit.
Oleh karena itu, perlu dilakukan sinkronisasi proses bisnis pada seluruh di kantor cabang dengan aktivitas-aktivitas yang dilakukan melalui kanal digital/elektronik. Edukasi kepada karyawan, pengawasan terhadap hasil kerja dan risiko yang terjadi, harus dilakukan secara berkala. Temuan harus dievaluasi dan ditindaklanjuti untuk diperbaiki.
Perbaikan-perbaikan yang telah dilakukan MNC Bank adalah pembenahan kapasitas dan kehandalan dari perangkat keras (server) yang sudah berumur dan pembenahan jaringan komunikasi data dari Data Center ke seluruh kantor cabang. Pemanfaatan teknologi cloud secara private menghemat investasi penggantian server aplikasi bisnis yang sudah sangat berumur. Peningkatan kapasitas dan kehandalan jaringan komunikasi ditingkatkan dengan mendapatkan penawaran terbaik dari para penyedia jasa.
iMPLEMEnTASi 2018MNC Bank mampu menghadapi berbagai tantangan yang dihadapi pada 2018 secara positif dan menghasilkan efisiensi biaya investasi dan biaya operasional serta meningkatkan daya saing Bank. Selama 2018, MNC Bank berhasil melanjutkan implementasi berbagai proyek aplikasi dan sistem tersebut di atas. MNC Bank dengan bangga melaporkan bahwa semua aktivitas di atas ditangani langsung oleh tim TI Bank tanpa bantuan konsultan eksternal, diawasi dan dikontrol mengikuti proses manajemen risiko TI. Khususnya manajemen risiko proyek, masalah, perubahan dan keamanan informasi.
After the ATM network is connected to ATM Bersama and Prima through Proswitch switching, the Bank plans to increase the number of billers and complies with the provisions of the National Payment Gate regulation.(GPN). The billers to are not only limited to PLN, PAM, or Telkom, but other billers will be added such as XL, Indosat, Telkomsel to pay monthly bills or buy credit. Addition of billers is the result of collaboration with system service providers and “payment gateway” applications.
In terms of increasing revenue from transaction commissions at branch offices, the Bank plans to implement the FX One application to facilitate the processing / buying of foreign exchange
2018 chAllenGeAs with 2017, the main challenge related to IT development and strategy for MNC Bank in 2018 is that all of the above projects / businesses / initiatives should be carried out together with improving the Bank’s competitiveness towards competitors that are far more established and also simultaneously improving credit quality.
Therefore, it is necessary to synchronize business processes carried out in branch offices with activities carried out through digital / electronic channels. Education to employees, supervision of work results and risks that occur, must be done regularly. Findings must be evaluated and followed-up to be corrected.
The improvements that have been made by MNC Bank are improving the capacity and reliability of old hardware (server) and improving data communication networks from the Data Center to all branch offices. Private use of cloud technology saves investment in replacing very old business application servers. Increased capacity and reliability of communication networks is enhanced by getting the best offers from service providers.
imPlementAtion 2018MNC Bank is able to face various challenges faced in 2018 positively and produce efficiency in investment costs and operational costs and increase the Bank’s competitiveness. During 2018, MNC Bank managed to continue implementing the various application and system projects mentioned above. MNC Bank is proud to report that all of the above activities are handled directly by the Bank’s IT team without the assistance of external consultants, supervised and controlled following the IT risk management process, specifically project risk management, problems, changes and information security.
140 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Berikut adalah proyek 2018 dan sudah diimplementasikan: 1. Implementasi penambahan fitur ATM untuk pembayaran
kartu kredit MNC Bank secara realtime berlaku untuk kartu ATM on us dan off us.
2. Implementasi aplikasi FXOne untuk memudahkan transaksi valuta asing melalui cabang-cabang MNC Bank.
3. Implementasi peningkatan fungsi (upgrade) aplikasi Sanction Screening.
4. Implementasi peningkatan fungsi (upgrade) aplikasi Daftar Hitam Nasional (DHN) – Bank Indonesia.
Berikut adalah proyek 2018 dan sedang dalam proses implementasi: 1. Implementasi penambahan fitur Mobile Banking MNC
Bank untuk pembelian (purchase) dan pembayaran (payment) di mana saat ini sedang menunggu.
2. Pelaksanaan implementasi peningkatan fungsi (upgrade) Internet Banking Corporate MNC Bank (eBizz).
3. Pelaksanaan untuk implementasi aplikasi Virtual Account. 4. Pelaksanaan untuk implementasi perubahan aplikasi
akuntansi PSAK 55 menjadi PSAK 71 (IFRS 9). 5. Pelaksanaan untuk implementasi perubahan aplikasi
Mobile Banking MNC Bank dengan tampilan yang baru dan lebih terintegrasi.
6. Pelaksanaan untuk implementasi Gerbang Pembayaran Nasional (GPN) dan debit Mastercard.
7. Pelaksanaan untuk implementasi modul Acquiring (e-Commerce) untuk kartu kredit MNC Bank.
Selain fokus mengembangkan aplikasi yang mendukung aktivitas bisnis, MNC Bank melakukan implementasi aplikasi dan sistem yang mendukung peningkatan efisiensi dan efektifitas operasional seperti: 1. Aplikasi SLIK untuk melakukan konsolidasi dan integrasi
semua reporting perbankan, baik untuk pihak regulator maupun internal.
2. Optimalisasi dan efisiensi main dan backup link di cabang untuk meningkatkan pelayanan nasabah dengan respon transaksi yang lebih cepat tanpa ada gangguan.
3. Peningkatan pengelolaan Disaster Recovery untuk aplikasi Bank Indonesia seperti SKN dan RTGS,
4. Pengadaan Disaster Recovery untuk aplikasi Treasury dan Kartu Kredit sesuai kebutuhan bank.
MAnAjEMEn riSiKO dAn SuMBEr dAyA MAnuSiA TiBagi MNC Bank, teknologi informasi (TI) mempunyai peranan penting dalam melakukan transformasi secara digital dengan melakukan implementasi proyek dan inisiatif strategis dalam mengembangkan bisnis khususnya di segmen Konsumer, Ritel, dan Komersial. Transformasi tersebut harus didukung dengan kebijakan, proses, prosedur manajemen
Following is the 2018 project and already implemented:1. Implementation of additional ATM features for real-time
MNC Bank credit card payments applies to ATM cards on us and off us.
2. Implementation of the FXOne application to facilitate foreign exchange transactions through MNC branches Bank.
3. Implementation of application upgrades Sanction Screening.
4. Implementation of application upgrades National Black List (DHN) - Bank Indonesia.
The following is the 2018 project and is in the process of being implemented:1. Implementation of additional MNC Mobile Banking
features Bank for purchase and payment which is currently waiting
2. Implementation of the implementation of upgrading of Corporate MNC Bank Internet Banking (eBizz).
3. Implementation for the implementation of the Virtual Account application.
4. The implementation of the changes to the accounting application of PSAK 55 becomes PSAK 71 (IFRS 9).
5. Implementation for implementation of application changes MNC Banking Mobile Banking with a new and more integrated look.
6. Implementation for the implementation of Payment Gates National (GPN) and Mastercard debit
7. Implementation for the implementation of the Acquiring (e-Commerce) module for MNC Bank credit cards
MNC Bank implements applications and systems that support increased efficiency and operational effectiveness such as:
1. SLIK application to consolidate and integrate all banking reporting, both for regulators and internal parties.
2. Optimization and efficiency of playing and backup links in branches to improve customer service with faster transaction response without any interference.
3. Improved Disaster Recovery management for Bank Indonesia applications such as SKN and RTGS
4. Procurement of Disaster Recovery for Treasury and Credit Card applications according to bank requirements
risk mAnAGement AnD it hUmAn resoUrcesFor MNC Bank, information technology (IT) has an important role in digital transformation by implementing project and strategic initiatives in developing business, especially in the Consumer, Retail and Commercial segments. This transformation must be supported by reliable IT risk
141Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
risiko TI yang andal yang dijalankan oleh para staf TI yang profesional. Penerapan Kebijakan TI berdasarkan kepada POJK No.38/POJK.03/2016 tentang Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Bank Umum yang meliputi: 1. Kebijakan Manajemen 2. Kebijakan Pengembangan dan Pengadaan 3. Kebijakan Aktivitas Operasional TI 4. Kebijakan Jaringan Komunikasi 5. Kebijakan Rencana Pemulihan Bencana 6. Kebijakan Layanan Perbankan Elektronik 7. Kebijakan Penggunaan Pihak Penyedia Jasa TI 8. Kebijakan Penyediaan Jasa TI oleh Bank
Salah satu tantangan sejalan dengan kebutuhan digitalisasi perbankan guna menghadapi era digital adalah pemenuhan Sumber Daya Manusia (SDM) yang memiliki kompetensi yang sesuai untuk pengembangan TI yang dilakukan.
Di samping itu, SDM juga dituntut agar mampu beradaptasi dengan fitur-fitur produk layanan berbasis TI terbaru. Untuk itu, MNC Bank mempersiapkan kompetensi SDM baik internal TI dan karyawan secara keseluruhan. Karyawan TI harus diperlengkapi dengan pengetahuan teknis (hard skill) dan pengetahuan produk (product knowledge), proses bisnis dan perubahan itu sendiri (soft skill).
rEnCAnA Ti 2019Pengembangan Teknologi Informasi (TI) tetap difokuskan untuk menunjang pertumbuhan bisnis, memperbaiki efisiensi proses bisnis, menambah kapasitas, meningkatkan kehandalan, dan keamanan infrastruktur TI secara bertahap. Rencana menunjang pertumbuhan bisnis terbagi dalam pengembangan aplikasi untuk menunjang pertumbuhan kredit, menunjang pertumbuhan dana pihak ketiga, dan menunjang pertumbuhan komisi transaksi. Sedangkan perbaikan aplikasi penunjang bisnis difokuskan untuk memenuhi ketentuan regulasi dan pembenahan proses operasional.
management policies, processes and procedures carried out by professional IT staff. Implementation of IT Policy is based on POJK No.38 / POJK.03 / 2016 concerningApplication of Risk Management in the Use of Information Technology by Commercial Banks which includes:1. Management Policy2. Development and Procurement Policy3. Policy on IT Operational Activities4. Communication Network Policy5. Disaster Recovery Plan Policy6. Electronic Banking Service Policy7. Policy for Use of IT Service Providers8. Policy for Providing IT Services by Banks
One challenge in line with the need for banking digitalization to deal with the digital era is the fulfillment of human resources (HR) who have the appropriate competencies for implemented IT development.
Besides that, HR is also required to be able to adapt to the latest IT-based service product features. For this reason, MNC Bank prepares HR competencies both IT internally and employees as a whole. IT employees must be equipped with technical knowledge (hard skills) and product knowledge (product knowledge), business processes and changes themselves (soft skills).
2019 it PlAnThe development of Information Technology (IT) is still focused on supporting business growth, improving business process efficiency, increasing capacity, increasing reliability and security of IT infrastructure in stages. Plans to support business growth are divided into application development to support credit growth, support the growth of third party funds, and support the growth of transaction commissions.While improvements to business support applications are focused on meeting regulatory requirements and improving operational processes.
142 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 1.a. Pengungkapan Kuantitatif Struktur Permodalan Bank UmumTabel 1.a. quantitative disclosures capital Structure commercial Bank
KOMPONEN MODALCORE CAPITAL 2018 2017
(1) (2) (3) (4)
I Komponen ModalCapital Component
A Modal IntiCore Capital
1.104.750 937.809
1. Modal disetor1. Paid-in Capital
2.178.505 2.126.147
2. Cadangan Tambahan Modal2. Reserves of Additional Capital
(790.082) (886.926)
3. Modal Inovatif3. Innovative Capital
4. Faktor Pengurang Modal Inti4. Core Capital Deduction Factor
283.673 301.412
5. Kepentingan Non Pengendali5. Non-Controlling Interests
0 0
B Modal PelengkapSupplementary Capital
60.003 64.249
1. Level Atas (Upper Tier 2)1. Upper Tier 2
60.003 64.249
2. Level Bawah (Lower Tier 2) maksimum 50% Modal Inti2. Lower Tier 2, maximum 50% of Core Capital
3. Faktor Pengurang Modal Pelengkap3. Supplementary Capital Deduction Factor
C Faktor Pengurang Modal Inti dan Modal PelengkapCore Capital and Supplementary Capital Deduction Factor
Eksposure SekuritisasiSecuritization exposure
D Modal Pelengkap Tambahan yang Memenuhi Persyaratan (Tier 3)Eligible Additional Supplementary
E Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko PasarAnticipation Additional Supplementary Capital
II Total Modal Inti dan Modal Pelengkap (A+B-C)Total Core Capital and Supplementary Capital (A+B-C)
1.164.753 1.002.058
Dalam jutaan RupiahIn Million Rupiah
143Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KOMPONEN MODALCORE CAPITAL 2018 2017
(1) (2) (3) (4)
III Total Modal Inti, Modal Pelengkap, dan Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko Pasar (A+B-C+E)Total Core Capital, Supplementary Capital and Additional Supplementary Capital to Anticipate Market Risk (A+B-C+E)
1.164.753 1.002.058
IV Aset Tertimbang Menurut Risiko (ATMR) untuk Risiko KreditRisk Weighted Assets (RWA) for Credit Risk
6.257.297 7.060.407
V Aset Tertimbang Menurut Risiko (ATMR) untuk Risiko OperasionalRisk Weighted Assets (RWA) for Operational Risk
853.378 750.430
VI Aset Tertimbang Menurut Risiko (ATMR) untuk Risiko PasarRisk Weighted Assets (RWA) for Market Risk
46.753 151.845
A Metode StandarStandardized Method
46.753 151.845
B Model InternalInternal Method
VII Rasio Kewajban Penyediaan Modal Minimum untuk Risiko Kredit, Risiko Operasional dan Risiko Pasar [III : (IV+V+VI)]Capital Adequacy Ratio for Credit, Operational and Market Risks [III: (IV+V+VI)]
16,27% 12,58%
144 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 2.1.a. Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara IndividualTabel 2.1.a. net receivable Based on geography - Bank only
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan Bersih Berdasarkan WilayahNet Receivables Based on Region
Tagihan Bersih Berdasarkan WilayahNet Receivables Based on Region
JawaJava Sumatera Kalimantan &
SulawesiLainnyaOthers Total Jawa
Java Sumatera Kalimantan & Sulawesi LainnyaOthers Total
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7)
1 Tagihan Kepada PemerintahReceivables on Sovereigns - 1.786 465 1.992.375 1.994.627 - - - 2.498.393 2.498.393
2 Tagihan Kepada Enuitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 570 3.496 - 371.913 375.978 1.160 - 2.096 390.541 393.797
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property 678.961 74.553 193.901 - 947.415 15.818 943 6.800 - 23.561
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate 254.970 30.401 445.146 - 730.517 564.956 - 125.621 - 690.578
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 10.301 7.409 8.520 - 26.229 33.280 33.319 37.265 - 103.864
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio
1.319.726 369.812 409.087 2 2.098.627 1.537.251 272.392 395.994 - 2.205.636
9 Tagihan Kepada KorporasiReceivables on Corporate 3.008.593 81.110 353.435 130.187 3.573.326 3.116.144 180.483 594.494 144.176 4.035.298
10 Tagihan yang Telah Jatuh TempoPast Due Receivables 82.732 22.797 47.072 - 152.601 117.825 24.586 30.894 - 173.306
11 Aset LainnyaOther Assets 96.315 36.662 98.984 512.061 744.023 74.244 44.623 97.896 364.897 581.661
Total 5.452.168 628.025 1.556.611 3.006.538 10.643.343 5.460.678 556.347 1.291.062 3.398.007 10.706.094
145Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan Bersih Berdasarkan WilayahNet Receivables Based on Region
Tagihan Bersih Berdasarkan WilayahNet Receivables Based on Region
JawaJava Sumatera Kalimantan &
SulawesiLainnyaOthers Total Jawa
Java Sumatera Kalimantan & Sulawesi LainnyaOthers Total
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7)
1 Tagihan Kepada PemerintahReceivables on Sovereigns - 1.786 465 1.992.375 1.994.627 - - - 2.498.393 2.498.393
2 Tagihan Kepada Enuitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 570 3.496 - 371.913 375.978 1.160 - 2.096 390.541 393.797
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property 678.961 74.553 193.901 - 947.415 15.818 943 6.800 - 23.561
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate 254.970 30.401 445.146 - 730.517 564.956 - 125.621 - 690.578
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 10.301 7.409 8.520 - 26.229 33.280 33.319 37.265 - 103.864
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio
1.319.726 369.812 409.087 2 2.098.627 1.537.251 272.392 395.994 - 2.205.636
9 Tagihan Kepada KorporasiReceivables on Corporate 3.008.593 81.110 353.435 130.187 3.573.326 3.116.144 180.483 594.494 144.176 4.035.298
10 Tagihan yang Telah Jatuh TempoPast Due Receivables 82.732 22.797 47.072 - 152.601 117.825 24.586 30.894 - 173.306
11 Aset LainnyaOther Assets 96.315 36.662 98.984 512.061 744.023 74.244 44.623 97.896 364.897 581.661
Total 5.452.168 628.025 1.556.611 3.006.538 10.643.343 5.460.678 556.347 1.291.062 3.398.007 10.706.094
Dalam jutaan RupiahIn Million Rupiah
146 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 2.2.a. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara IndividualTabel 2.2.a. disclosure of net receivables Based on the remaining Term of contract-Bank only
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan Bersih Berdasarkan Sisa Jangka Waktu KontrakNet Receivables by Remaining Contractual Maturity
Tagihan Bersih Berdasarkan Sisa Jangka Waktu KontrakNet Receivables by Remaining Contractual Maturity
≤ 1 tahun≤ 1 year
>1 thn s.d. 3 thn>1-3 Years
>3 thn s.d. 5 thn>3-5 Years
> 5 thn>5 Years
Non-KontraktualNon Contractual Total ≤ 1 tahun
≤ 1 year>1 thn s.d. 3 thn
>1-3 Years>3 thn s.d. 5 thn
>3-5 Years> 5 thn
>5 YearsNon-KontraktualNon Contractual Total
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
1Tagihan Kepada PemerintahReceivables on Sovereigns
1.235.295 1.786 74.644 682.902 - 1.994.627 1.677.245 51.019 58.899 711.230 - 2.498.393
2
Tagihan Kepada Enuitas Sektor PublikReceivables on Public Sector Entities
- -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 327.524 48.454 - - - 375.978 393.777 - - - 20 393.797
5
Kredit Beragun Rumah TinggalLoans Secured by Residential Property
1.991 38.875 97.200 809.349 - 947.415 7 16 775 22.763 - 23.561
6
Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate
44.729 69.979 328.899 286.911 - 730.517 203.009 193.729 - 293.840 - 690.578
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 348 4.518 4.521 16.844 - 26.229 2.036 17.726 22.427 61.675 - 103.864
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio
262.851 1.004.456 548.474 282.846 - 2.098.627 219.753 944.448 255.744 785.692 - 2.205.636
9 Tagihan Kepada KorporasiReceivables on Corporate 2.095.189 752.309 198.994 526.834 - 3.573.326 2.029.308 497.870 423.685 1.084.435 - 4.035.298
10Tagihan yang Telah Jatuh TempoPast Due Receivables
44.823 16.644 27.708 63.426 - 152.601 95.879 19.964 13.469 43.993 - 173.306
11 Aset LainnyaOther Assets 298.287 - - - 445.735 744.023 265.794 - - - 315.867 581.661
Total 4.311.036 1.937.020 1.280.439 2.669.113 445.735 10.643.343 4.886.808 1.724.772 774.999 3.003.628 315.887 10.706.094
147Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan Bersih Berdasarkan Sisa Jangka Waktu KontrakNet Receivables by Remaining Contractual Maturity
Tagihan Bersih Berdasarkan Sisa Jangka Waktu KontrakNet Receivables by Remaining Contractual Maturity
≤ 1 tahun≤ 1 year
>1 thn s.d. 3 thn>1-3 Years
>3 thn s.d. 5 thn>3-5 Years
> 5 thn>5 Years
Non-KontraktualNon Contractual Total ≤ 1 tahun
≤ 1 year>1 thn s.d. 3 thn
>1-3 Years>3 thn s.d. 5 thn
>3-5 Years> 5 thn
>5 YearsNon-KontraktualNon Contractual Total
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
1Tagihan Kepada PemerintahReceivables on Sovereigns
1.235.295 1.786 74.644 682.902 - 1.994.627 1.677.245 51.019 58.899 711.230 - 2.498.393
2
Tagihan Kepada Enuitas Sektor PublikReceivables on Public Sector Entities
- -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 327.524 48.454 - - - 375.978 393.777 - - - 20 393.797
5
Kredit Beragun Rumah TinggalLoans Secured by Residential Property
1.991 38.875 97.200 809.349 - 947.415 7 16 775 22.763 - 23.561
6
Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate
44.729 69.979 328.899 286.911 - 730.517 203.009 193.729 - 293.840 - 690.578
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 348 4.518 4.521 16.844 - 26.229 2.036 17.726 22.427 61.675 - 103.864
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio
262.851 1.004.456 548.474 282.846 - 2.098.627 219.753 944.448 255.744 785.692 - 2.205.636
9 Tagihan Kepada KorporasiReceivables on Corporate 2.095.189 752.309 198.994 526.834 - 3.573.326 2.029.308 497.870 423.685 1.084.435 - 4.035.298
10Tagihan yang Telah Jatuh TempoPast Due Receivables
44.823 16.644 27.708 63.426 - 152.601 95.879 19.964 13.469 43.993 - 173.306
11 Aset LainnyaOther Assets 298.287 - - - 445.735 744.023 265.794 - - - 315.867 581.661
Total 4.311.036 1.937.020 1.280.439 2.669.113 445.735 10.643.343 4.886.808 1.724.772 774.999 3.003.628 315.887 10.706.094
Dalam jutaan RupiahIn Million Rupiah
148 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara IndividualTabel 2.3.a. disclosure of net receivables Based on Economic Sector-Bank only
No Sektor EkonomiEconomic Sectors
2018 2018
Tagihan Kepada PemerintahReceivables
on Sovereigns
Tagihan Kepada Entitas Sektor Publik
Receivables on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Receivables on Multilateral Development Banks and International Institutions
Tagihan Kepada Bank
Receivableson Banks
Kredit Beragun Rumah Tinggal
Loans Secured by Residential Property
Kredit Beragun Properti KomersialLoans Secured by
Commercial Real Estate
Kredit Pegawai/Pensiunan
Employee/Pensioner Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Receivables on Micro, SmallBusiness & Retail Portfolio
Tagihan Kepada Korporasi
Receivableson Corporate
Tagihan Yang Telah Jatuh Tempo
Past DueReceivables
Aset LainnyaOther Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
1 Pertanian, Perburuan dan KehutananAgriculture, Hunting and Forestry - - - - - 806 - 495 -
2 PerikananFishery - - - - - 390 - 141 -
3 Pertambangan dan PenggalianMining and Quarrying - - - - - 6.297 44.127 - -
4 Industri PengolahanManufacturing - - - 29.557 - 9.311 604.416 9.874 -
5 Listrik, Gas dan AirElectricity, Gas and Water - - - - - - - - -
6 KonstruksiConstruction - - - 8.581 - 4.990 120.333 6.964 -
7 Perdagangan Besar dan EceranWholesale and Retail Trading - - 4.730 2.700 - 10.356 152.570 22.609 -
8Penyediaan Akomodasi dan Penyediaan Makan MinumHotel and Food & Beverage
- - - 109.699 - 1.006 121.821 1.755 -
9Transportasi, Pergudangan dan KomunikasiTransportation, Warehousing andCommunications
- - - - - 11.449 124.060 16.556 -
10 Perantara KeuanganFinancial Intermediary - 4.065 - - - 3.878 393.502 440 -
11Real Estate, Usaha Persewaan dan Jasa PerusahaanReal Estate, Rental and Business Services
1.786 - - 482.275 - 13.547 975.271 150 -
12
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial WajibPublic Administration, Defense and Compulsory Social Security
- - - - - - - - -
13 Jasa PendidikanEducation Services - - - - - - 4.995 - -
14Jasa Kesehatan dan Kegiatan SosialHuman Health and Social Work Activities
- - - - - 2.299 13.028 - -
15
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan LainnyaPublic, Socio-Culture, Entertainment and Other Personal Services
- - 1.642 - - 527 37.179 2.348 -
16 Jasa Perorangan yang Melayani Rumah TanggaActivities of Households as Employers - - - - - - - - -
17
Badan Internasional dan Badan Ekstra Internasional LainnyaInternational Institution and Other ExtraInternational Agencies
- - - - - - - - -
18 Kegiatan yang Belum Jelas BatasannyaUndefined Activities - - - - - 982 254.644 - -
19 Bukan Lapangan UsahaNon Business Field - - 515.572 - - 1.719.475 184.306 71.466 -
20 LainnyaOthers 1.992.840 371.913 425.472 97.705 26.229 313.314 543.074 19.804 744.023
Total 1.994.627 - - 375.978 947.415 730.517 26.229 2.098.627 3.573.326 152.601 744.023
149Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Sektor EkonomiEconomic Sectors
2018 2018
Tagihan Kepada PemerintahReceivables
on Sovereigns
Tagihan Kepada Entitas Sektor Publik
Receivables on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Receivables on Multilateral Development Banks and International Institutions
Tagihan Kepada Bank
Receivableson Banks
Kredit Beragun Rumah Tinggal
Loans Secured by Residential Property
Kredit Beragun Properti KomersialLoans Secured by
Commercial Real Estate
Kredit Pegawai/Pensiunan
Employee/Pensioner Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Receivables on Micro, SmallBusiness & Retail Portfolio
Tagihan Kepada Korporasi
Receivableson Corporate
Tagihan Yang Telah Jatuh Tempo
Past DueReceivables
Aset LainnyaOther Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
1 Pertanian, Perburuan dan KehutananAgriculture, Hunting and Forestry - - - - - 806 - 495 -
2 PerikananFishery - - - - - 390 - 141 -
3 Pertambangan dan PenggalianMining and Quarrying - - - - - 6.297 44.127 - -
4 Industri PengolahanManufacturing - - - 29.557 - 9.311 604.416 9.874 -
5 Listrik, Gas dan AirElectricity, Gas and Water - - - - - - - - -
6 KonstruksiConstruction - - - 8.581 - 4.990 120.333 6.964 -
7 Perdagangan Besar dan EceranWholesale and Retail Trading - - 4.730 2.700 - 10.356 152.570 22.609 -
8Penyediaan Akomodasi dan Penyediaan Makan MinumHotel and Food & Beverage
- - - 109.699 - 1.006 121.821 1.755 -
9Transportasi, Pergudangan dan KomunikasiTransportation, Warehousing andCommunications
- - - - - 11.449 124.060 16.556 -
10 Perantara KeuanganFinancial Intermediary - 4.065 - - - 3.878 393.502 440 -
11Real Estate, Usaha Persewaan dan Jasa PerusahaanReal Estate, Rental and Business Services
1.786 - - 482.275 - 13.547 975.271 150 -
12
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial WajibPublic Administration, Defense and Compulsory Social Security
- - - - - - - - -
13 Jasa PendidikanEducation Services - - - - - - 4.995 - -
14Jasa Kesehatan dan Kegiatan SosialHuman Health and Social Work Activities
- - - - - 2.299 13.028 - -
15
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan LainnyaPublic, Socio-Culture, Entertainment and Other Personal Services
- - 1.642 - - 527 37.179 2.348 -
16 Jasa Perorangan yang Melayani Rumah TanggaActivities of Households as Employers - - - - - - - - -
17
Badan Internasional dan Badan Ekstra Internasional LainnyaInternational Institution and Other ExtraInternational Agencies
- - - - - - - - -
18 Kegiatan yang Belum Jelas BatasannyaUndefined Activities - - - - - 982 254.644 - -
19 Bukan Lapangan UsahaNon Business Field - - 515.572 - - 1.719.475 184.306 71.466 -
20 LainnyaOthers 1.992.840 371.913 425.472 97.705 26.229 313.314 543.074 19.804 744.023
Total 1.994.627 - - 375.978 947.415 730.517 26.229 2.098.627 3.573.326 152.601 744.023
Dalam jutaan RupiahIn Million Rupiah
150 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No Sektor EkonomiEconomic Sectors
2017 2017
Tagihan Kepada PemerintahReceivables
on Sovereigns
Tagihan Kepada Entitas Sektor Publik
Receivables on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Receivables on Multilateral Development Banks and International Institutions
Tagihan Kepada Bank
Receivableson Banks
Kredit Beragun Rumah Tinggal
Loans Secured by Residential Property
Kredit Beragun Properti KomersialLoans Secured by
Commercial Real Estate
Kredit Pegawai/Pensiunan
Employee/Pensioner Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Receivables on Micro, SmallBusiness & Retail Portfolio
Tagihan Kepada Korporasi
Receivableson Corporate
Tagihan Yang Telah Jatuh Tempo
Past DueReceivables
Aset LainnyaOther Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
1 Pertanian, Perburuan dan KehutananAgriculture, Hunting and Forestry - - - - - 194 - 490 -
2 PerikananFishery - - - - - 696 - 141 -
3 Pertambangan dan PenggalianMining and Quarrying - - - - - 1.620 3.855 - -
4 Industri PengolahanManufacturing - - - - - 17.278 614.620 60.145 -
5 Listrik, Gas dan AirElectricity, Gas and Water - - - - - 11 - - -
6 KonstruksiConstruction - - - - - 11.445 132.930 5.471 -
7 Perdagangan Besar dan EceranWholesale and Retail Trading - - - 8.089 - 13.784 137.523 23.765 -
8Penyediaan Akomodasi dan Penyediaan Makan MinumHotel and Food & Beverage
- - - 246.292 - 51.187 127.584 3.357 -
9Transportasi, Pergudangan dan KomunikasiTransportation, Warehousing andCommunications
- - - - - 6.835 105.929 2.352 -
10 Perantara KeuanganFinancial Intermediary - 3.256 - - - 150.241 784.876 1.371 -
11Real Estate, Usaha Persewaan dan Jasa PerusahaanReal Estate, Rental and Business Services
- - - 436.196 - 1.920 905.740 179 -
12
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial WajibPublic Administration, Defense and Compulsory Social Security
- - - - - - - - -
13 Jasa PendidikanEducation Services - - - - - - - - -
14Jasa Kesehatan dan Kegiatan SosialHuman Health and Social Work Activities
- - - - - 371 - 556 -
15
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan LainnyaPublic, Socio-Culture, Entertainment and Other Personal Services
- - - - - 1.286 7.221 3.301 -
16 Jasa Perorangan yang Melayani Rumah TanggaActivities of Households as Employers - - - - - 19 - - -
17
Badan Internasional dan Badan Ekstra Internasional LainnyaInternational Institution and Other ExtraInternational Agencies
- - - - - - - - -
18 Kegiatan yang Belum Jelas BatasannyaUndefined Activities - - - - - 1.383 - 1.412 -
19 Bukan Lapangan UsahaNon Business Field - - 20.044 - - 1.449.464 448.138 61.992 -
20 LainnyaOthers 2.498.393 390.541 3.517 - 103.864 497.902 766.882 8.775 581.661
Total 2.498.393 - - 393.797 23.561 690.578 103.864 2.205.636 4.035.298 173.306 581.661
151Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Sektor EkonomiEconomic Sectors
2017 2017
Tagihan Kepada PemerintahReceivables
on Sovereigns
Tagihan Kepada Entitas Sektor Publik
Receivables on Public Sector Entities
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Receivables on Multilateral Development Banks and International Institutions
Tagihan Kepada Bank
Receivableson Banks
Kredit Beragun Rumah Tinggal
Loans Secured by Residential Property
Kredit Beragun Properti KomersialLoans Secured by
Commercial Real Estate
Kredit Pegawai/Pensiunan
Employee/Pensioner Loans
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Receivables on Micro, SmallBusiness & Retail Portfolio
Tagihan Kepada Korporasi
Receivableson Corporate
Tagihan Yang Telah Jatuh Tempo
Past DueReceivables
Aset LainnyaOther Assets
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
1 Pertanian, Perburuan dan KehutananAgriculture, Hunting and Forestry - - - - - 194 - 490 -
2 PerikananFishery - - - - - 696 - 141 -
3 Pertambangan dan PenggalianMining and Quarrying - - - - - 1.620 3.855 - -
4 Industri PengolahanManufacturing - - - - - 17.278 614.620 60.145 -
5 Listrik, Gas dan AirElectricity, Gas and Water - - - - - 11 - - -
6 KonstruksiConstruction - - - - - 11.445 132.930 5.471 -
7 Perdagangan Besar dan EceranWholesale and Retail Trading - - - 8.089 - 13.784 137.523 23.765 -
8Penyediaan Akomodasi dan Penyediaan Makan MinumHotel and Food & Beverage
- - - 246.292 - 51.187 127.584 3.357 -
9Transportasi, Pergudangan dan KomunikasiTransportation, Warehousing andCommunications
- - - - - 6.835 105.929 2.352 -
10 Perantara KeuanganFinancial Intermediary - 3.256 - - - 150.241 784.876 1.371 -
11Real Estate, Usaha Persewaan dan Jasa PerusahaanReal Estate, Rental and Business Services
- - - 436.196 - 1.920 905.740 179 -
12
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial WajibPublic Administration, Defense and Compulsory Social Security
- - - - - - - - -
13 Jasa PendidikanEducation Services - - - - - - - - -
14Jasa Kesehatan dan Kegiatan SosialHuman Health and Social Work Activities
- - - - - 371 - 556 -
15
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan LainnyaPublic, Socio-Culture, Entertainment and Other Personal Services
- - - - - 1.286 7.221 3.301 -
16 Jasa Perorangan yang Melayani Rumah TanggaActivities of Households as Employers - - - - - 19 - - -
17
Badan Internasional dan Badan Ekstra Internasional LainnyaInternational Institution and Other ExtraInternational Agencies
- - - - - - - - -
18 Kegiatan yang Belum Jelas BatasannyaUndefined Activities - - - - - 1.383 - 1.412 -
19 Bukan Lapangan UsahaNon Business Field - - 20.044 - - 1.449.464 448.138 61.992 -
20 LainnyaOthers 2.498.393 390.541 3.517 - 103.864 497.902 766.882 8.775 581.661
Total 2.498.393 - - 393.797 23.561 690.578 103.864 2.205.636 4.035.298 173.306 581.661
152 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara IndividualTabel 2.4.a. disclosure of receivable and provision based on geography - Bank only
Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara IndividualTabel 2.5.a. disclosure of receivable and provision based on Economy Sector - Bank only
No Sektor EkonomiEconomic Sectors
2018 2017
TagihanReceivables
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
CKPN - Individual
Allowance for Impairment
Losses-Individual
CKPN - Kolektif
Allowance for Impairment
Losses-Collective
Tagihan Yang Dihapus Buku
Written Off Receivables
TagihanReceivables
Tagihan yang Mengalami Penurunan NilaiImpaired Receivables CKPN - Individual
Allowance for Impairment Losses-
Individual
CKPN - KolektifAllowance for
Impairment Losses-Collective
Tagihan Yang Dihapus Buku
Written Off ReceivablesBelum Jatuh Tempo
Non Past Due
Telah Jatuh Tempo
Past Due
Belum Jatuh TempoNon Past Due
Telah Jatuh TempoPast Due
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
1Pertanian, Perburuan dan KehutananAgriculture, Hunting and Forestry
806 - 735 - 241 - 194 - 760 - 271 28
2 PerikananFishery 390 - 176 36 - - 696 - 176 36 - -
3 Pertambangan dan PenggalianMining and Quarrying 50.280 - - - 92 - 5.476 - - - 1 9.693
4 Industri PengolahanManufacturing 599.730 64.464 31.507 44.308 1.350 2.638 597.577 42.759 71.320 27.089 2.075 80.097
5 Listrik, Gas dan AirElectricity, Gas and Water - - 763 763 - - 11 - 719 719 - 41.352
6 KonstruksiConstruction 138.554 - 58.597 51.562 405 251 139.768 - 75.334 69.303 694 62.470
7 Perdagangan Besar dan EceranWholesale and Retail Trading 165.550 - 40.023 13.896 4.150 24.029 155.217 - 107.543 78.792 5.601 55.972
No Kategori PortofolioPortfolio Category
2018 2017
WilayahGeography
WilayahGeography
JawaJava Sumatera Kalimantan &
SulawesiLainnyaOthers Total Jawa
Java Sumatera Kalimantan & Sulawesi LainnyaOthers Total
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7)
1 Tagihan (Non Impaired)Receivables 5.334.412 603.301 1.460.700 3.005.494 10.403.907 5.086.537 530.088 1.238.480 3.391.286 10.246.391
2 Tagihan Yang Mengalami Penurunan Nilai (Impaired)Impaired Receivables - -
a. Belum Jatuh Tempoa. Non Past Due 101.651 4.077 54.338 - 160.067 115.416 5.820 259 - 121.495
b. Telah Jatuh Tempob. Past Due 189.118 28.447 51.745 - 269.311 271.788 72.672 49.052 - 393.512
3Cadangan Kerugian Penurunan Nilai (CKPN) - IndividualAllowance for Impairment Losses- Individual
178.581 7.030 12.287 - 197.899 223.893 51.244 22.097 - 297.234
4 Cadangan Kerugian Penurunan Nilai (CKPN) - KolektifAllowance for Impairment Losses- Collective 32.848 4.307 3.611 - 40.766 27.119 4.292 2.471 - 33.882
5 Tagihan Yang Dihapus BukuWritten-Off Receivables 92.823 26.948 7.037 341 127.148 531.699 3.939 11.965 - 547.603
153Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Sektor EkonomiEconomic Sectors
2018 2017
TagihanReceivables
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
CKPN - Individual
Allowance for Impairment
Losses-Individual
CKPN - Kolektif
Allowance for Impairment
Losses-Collective
Tagihan Yang Dihapus Buku
Written Off Receivables
TagihanReceivables
Tagihan yang Mengalami Penurunan NilaiImpaired Receivables CKPN - Individual
Allowance for Impairment Losses-
Individual
CKPN - KolektifAllowance for
Impairment Losses-Collective
Tagihan Yang Dihapus Buku
Written Off ReceivablesBelum Jatuh Tempo
Non Past Due
Telah Jatuh Tempo
Past Due
Belum Jatuh TempoNon Past Due
Telah Jatuh TempoPast Due
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
1Pertanian, Perburuan dan KehutananAgriculture, Hunting and Forestry
806 - 735 - 241 - 194 - 760 - 271 28
2 PerikananFishery 390 - 176 36 - - 696 - 176 36 - -
3 Pertambangan dan PenggalianMining and Quarrying 50.280 - - - 92 - 5.476 - - - 1 9.693
4 Industri PengolahanManufacturing 599.730 64.464 31.507 44.308 1.350 2.638 597.577 42.759 71.320 27.089 2.075 80.097
5 Listrik, Gas dan AirElectricity, Gas and Water - - 763 763 - - 11 - 719 719 - 41.352
6 KonstruksiConstruction 138.554 - 58.597 51.562 405 251 139.768 - 75.334 69.303 694 62.470
7 Perdagangan Besar dan EceranWholesale and Retail Trading 165.550 - 40.023 13.896 4.150 24.029 155.217 - 107.543 78.792 5.601 55.972
No Kategori PortofolioPortfolio Category
2018 2017
WilayahGeography
WilayahGeography
JawaJava Sumatera Kalimantan &
SulawesiLainnyaOthers Total Jawa
Java Sumatera Kalimantan & Sulawesi LainnyaOthers Total
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7)
1 Tagihan (Non Impaired)Receivables 5.334.412 603.301 1.460.700 3.005.494 10.403.907 5.086.537 530.088 1.238.480 3.391.286 10.246.391
2 Tagihan Yang Mengalami Penurunan Nilai (Impaired)Impaired Receivables - -
a. Belum Jatuh Tempoa. Non Past Due 101.651 4.077 54.338 - 160.067 115.416 5.820 259 - 121.495
b. Telah Jatuh Tempob. Past Due 189.118 28.447 51.745 - 269.311 271.788 72.672 49.052 - 393.512
3Cadangan Kerugian Penurunan Nilai (CKPN) - IndividualAllowance for Impairment Losses- Individual
178.581 7.030 12.287 - 197.899 223.893 51.244 22.097 - 297.234
4 Cadangan Kerugian Penurunan Nilai (CKPN) - KolektifAllowance for Impairment Losses- Collective 32.848 4.307 3.611 - 40.766 27.119 4.292 2.471 - 33.882
5 Tagihan Yang Dihapus BukuWritten-Off Receivables 92.823 26.948 7.037 341 127.148 531.699 3.939 11.965 - 547.603
Dalam jutaan RupiahIn Million Rupiah
Dalam jutaan RupiahIn Million IDR
154 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No Sektor EkonomiEconomic Sectors
2018 2017
TagihanReceivables
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
CKPN - Individual
Allowance for Impairment
Losses-Individual
CKPN - Kolektif
Allowance for Impairment
Losses-Collective
Tagihan Yang Dihapus Buku
Written Off Receivables
TagihanReceivables
Tagihan yang Mengalami Penurunan NilaiImpaired Receivables CKPN - Individual
Allowance for Impairment Losses-
Individual
CKPN - KolektifAllowance for
Impairment Losses-Collective
Tagihan Yang Dihapus Buku
Written Off ReceivablesBelum Jatuh Tempo
Non Past Due
Telah Jatuh Tempo
Past Due
Belum Jatuh TempoNon Past Due
Telah Jatuh TempoPast Due
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
8Penyediaan Akomodasi dan Penyediaan Makan MinumHotel and Food & Beverage
232.158 - 2.089 240 107 1.128 374.504 - 3.847 369 275 -
9
Transportasi, Pergudangan dan KomunikasiTransportation, Warehousing andCommunications
134.546 - 18.677 1.978 224 2.270 113.993 - 4.855 3.916 306 56.352
10 Perantara KeuanganFinancial Intermediary 386.372 15.630 2.159 17.349 25 10.384 816.643 35.999 15.042 49.268 600 85.128
11
Real Estate, Usaha Persewaan dan Jasa PerusahaanReal Estate, Rental and Business Services
1.422.976 54.039 222 43.384 255 6.491 1.275.743 - 23.922 23.646 260 106.094
12
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial WajibPublic Administration, Defense and Compulsory Social Security
- - - - - - - - - - - -
13 Jasa PendidikanEducation Services 4.997 - - - 2 - - - - - - -
14
Jasa Kesehatan dan Kegiatan SosialHuman Health and Social Work Activities
15.343 - - - 15 640 371 - 640 - 84 -
15
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan LainnyaPublic, Socio-Culture, Entertainment and Other Personal Services
38.701 - 3.832 1.175 316 - 8.125 - 3.925 249 392 -
16
Jasa Perorangan yang Melayani Rumah TanggaActivities of Households as Employers
- - - - - - 20 - - - 1 -
17
Badan Internasional dan Badan Ekstra Internasional LainnyaInternational Institution and Other ExtraInternational Agencies
- - - - - 9.953 - - - - - 1.517
18Kegiatan yang Belum Jelas BatasannyaUndefined Activities
255.558 - - - 16 69.365 1.383 - 1.429 - 18 48.901
19 Bukan Lapangan UsahaNon Business Field 2.430.910 14.146 85.410 10.564 29.083 - 1.927.959 23.787 72.933 25.108 19.932 -
20 LainnyaOthers 4.527.034 11.788 25.120 12.644 4.482 - 4.828.711 18.950 11.064 18.738 3.373 -
Total 10.403.907 160.067 269.311 197.899 40.766 127.148 10.246.391 121.495 393.512 297.234 33.882 547.603
155Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Sektor EkonomiEconomic Sectors
2018 2017
TagihanReceivables
Tagihan yang Mengalami Penurunan Nilai
Impaired Receivables
CKPN - Individual
Allowance for Impairment
Losses-Individual
CKPN - Kolektif
Allowance for Impairment
Losses-Collective
Tagihan Yang Dihapus Buku
Written Off Receivables
TagihanReceivables
Tagihan yang Mengalami Penurunan NilaiImpaired Receivables CKPN - Individual
Allowance for Impairment Losses-
Individual
CKPN - KolektifAllowance for
Impairment Losses-Collective
Tagihan Yang Dihapus Buku
Written Off ReceivablesBelum Jatuh Tempo
Non Past Due
Telah Jatuh Tempo
Past Due
Belum Jatuh TempoNon Past Due
Telah Jatuh TempoPast Due
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
8Penyediaan Akomodasi dan Penyediaan Makan MinumHotel and Food & Beverage
232.158 - 2.089 240 107 1.128 374.504 - 3.847 369 275 -
9
Transportasi, Pergudangan dan KomunikasiTransportation, Warehousing andCommunications
134.546 - 18.677 1.978 224 2.270 113.993 - 4.855 3.916 306 56.352
10 Perantara KeuanganFinancial Intermediary 386.372 15.630 2.159 17.349 25 10.384 816.643 35.999 15.042 49.268 600 85.128
11
Real Estate, Usaha Persewaan dan Jasa PerusahaanReal Estate, Rental and Business Services
1.422.976 54.039 222 43.384 255 6.491 1.275.743 - 23.922 23.646 260 106.094
12
Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial WajibPublic Administration, Defense and Compulsory Social Security
- - - - - - - - - - - -
13 Jasa PendidikanEducation Services 4.997 - - - 2 - - - - - - -
14
Jasa Kesehatan dan Kegiatan SosialHuman Health and Social Work Activities
15.343 - - - 15 640 371 - 640 - 84 -
15
Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan LainnyaPublic, Socio-Culture, Entertainment and Other Personal Services
38.701 - 3.832 1.175 316 - 8.125 - 3.925 249 392 -
16
Jasa Perorangan yang Melayani Rumah TanggaActivities of Households as Employers
- - - - - - 20 - - - 1 -
17
Badan Internasional dan Badan Ekstra Internasional LainnyaInternational Institution and Other ExtraInternational Agencies
- - - - - 9.953 - - - - - 1.517
18Kegiatan yang Belum Jelas BatasannyaUndefined Activities
255.558 - - - 16 69.365 1.383 - 1.429 - 18 48.901
19 Bukan Lapangan UsahaNon Business Field 2.430.910 14.146 85.410 10.564 29.083 - 1.927.959 23.787 72.933 25.108 19.932 -
20 LainnyaOthers 4.527.034 11.788 25.120 12.644 4.482 - 4.828.711 18.950 11.064 18.738 3.373 -
Total 10.403.907 160.067 269.311 197.899 40.766 127.148 10.246.391 121.495 393.512 297.234 33.882 547.603
156 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 2.6.a. Pengungkapan Rincian Mutasi CKPN - Bank secara IndividualTabel 2.6.a. detail of impairment provision Movement - Bank only
Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara IndividualTabel 3.1.a. pengungkapan Tagihan Bersih Berdasarkan Kategori portofolio dan Skala peringkat - Bank secara individual
No Kategori PortofolioPortfolio Category
2018 2017
CKPN - IndividualAllowance for Impairment
Losses-Individual
CKPN - KolektifAllowance for Impairment
Losses-Collective
CKPN - IndividualAllowance for Impairment Losses-Individual
CKPN - KolektifAllowance for Impairment Losses-Collective
(1) (2) (3) (4) (3) (4)
1 Saldo Awal CKPNBeginning balance of impairment provision 297.234 33.882 24.922 27.600
2 Pembentukan (Pemulihan) CKPN Pada Periode Berjalan (Net)Charge/release of impairment provision for the current year (Net) (48.685) 83.018 774.274 51.907
2.a. Pembentukan CKPN Pada Periode Berjalan2.a. Charge of impairment provision for the current year
2.b. Pemulihan CKPN Pada Periode Berjalan2.b. Release of impairment provision for the current year (48.685) 83.018 774.274 51.907
3CKPN Yang Digunakan Untuk Melakukan Hapus Buku Atas Tagihan Pada Periode BerjalanImpairment provision for write-off
(51.013) (76.134) (501.979) (45.624)
4 Pembentukan (Pemulihan) Lainnya Pada Periode BerjalanOther charge/release for the current year 365 17
Saldo akhir CKPN 197.899 40.766 297.234 33.882
No Kategori PortofolioPortfolio Category
Lembaga Pemeringkat
Company Rating
2018
Tagihan BersihTagihan Bersih
Peringkat Jangka PanjangLong Term Rating
Peringkat Jangka PendekShort Term Rating Tanpa Peringkat
Unrated TotalStandard and Poor's AAA AA+ s.d AA-
AA+ to AA-A+ s.d A-A+ to A-
BBB+ s.d BBB-BBB+ to BBB-
BB+ s.d BB-BB+ to BB-
B+ s.d B-B+ to B-
Kurang dari B-Less than B-
A-1 A-2 A-3 Kurang dari A-3Less than A-3
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 Tagihan Kepada PemerintahReceivables on Sovereigns 1.994.627 1.994.627
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 375.978 375.978
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property 947.415 947.415
6Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate
730.517 730.517
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 26.229 26.229
157Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Dalam jutaan RupiahIn Million Rupiah
Dalam jutaan RupiahIn Million Rupiah
No Kategori PortofolioPortfolio Category
2018 2017
CKPN - IndividualAllowance for Impairment
Losses-Individual
CKPN - KolektifAllowance for Impairment
Losses-Collective
CKPN - IndividualAllowance for Impairment Losses-Individual
CKPN - KolektifAllowance for Impairment Losses-Collective
(1) (2) (3) (4) (3) (4)
1 Saldo Awal CKPNBeginning balance of impairment provision 297.234 33.882 24.922 27.600
2 Pembentukan (Pemulihan) CKPN Pada Periode Berjalan (Net)Charge/release of impairment provision for the current year (Net) (48.685) 83.018 774.274 51.907
2.a. Pembentukan CKPN Pada Periode Berjalan2.a. Charge of impairment provision for the current year
2.b. Pemulihan CKPN Pada Periode Berjalan2.b. Release of impairment provision for the current year (48.685) 83.018 774.274 51.907
3CKPN Yang Digunakan Untuk Melakukan Hapus Buku Atas Tagihan Pada Periode BerjalanImpairment provision for write-off
(51.013) (76.134) (501.979) (45.624)
4 Pembentukan (Pemulihan) Lainnya Pada Periode BerjalanOther charge/release for the current year 365 17
Saldo akhir CKPN 197.899 40.766 297.234 33.882
No Kategori PortofolioPortfolio Category
Lembaga Pemeringkat
Company Rating
2018
Tagihan BersihTagihan Bersih
Peringkat Jangka PanjangLong Term Rating
Peringkat Jangka PendekShort Term Rating Tanpa Peringkat
Unrated TotalStandard and Poor's AAA AA+ s.d AA-
AA+ to AA-A+ s.d A-A+ to A-
BBB+ s.d BBB-BBB+ to BBB-
BB+ s.d BB-BB+ to BB-
B+ s.d B-B+ to B-
Kurang dari B-Less than B-
A-1 A-2 A-3 Kurang dari A-3Less than A-3
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 Tagihan Kepada PemerintahReceivables on Sovereigns 1.994.627 1.994.627
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 375.978 375.978
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property 947.415 947.415
6Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate
730.517 730.517
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 26.229 26.229
158 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 3.2.a. Pengungkapan Risiko Kredit Pihak Lawan : Transaksi DerivatifTabel 3.2.a. disclosure of counterparty credit risk: derivative Transactions
No Kategori PortofolioPortfolio Category
Lembaga Pemeringkat
Company Rating
2018
Tagihan BersihTagihan Bersih
Peringkat Jangka PanjangLong Term Rating
Peringkat Jangka PendekShort Term Rating Tanpa Peringkat
Unrated TotalStandard and Poor's AAA AA+ s.d AA-
AA+ to AA-A+ s.d A-A+ to A-
BBB+ s.d BBB-BBB+ to BBB-
BB+ s.d BB-BB+ to BB-
B+ s.d B-B+ to B-
Kurang dari B-Less than B-
A-1 A-2 A-3 Kurang dari A-3Less than A-3
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio
2.098.627 2.098.627
9 Tagihan Kepada KorporasiReceivables on Corporate 88.938 40.875 3.443.513 3.573.326
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables 152.601 152.601
11 Aset LainnyaOther Assets 744.023 744.023
Total - 88.938 40.875 - - - - - - - - 10.513.530 10.643.343
No Kategori PortofolioPortfolio Category
2018 2018
Notional AmountNotional Amount Tagihan Derivatif
Derivative ReceivableKewajiban DerivatifDerivative Payable
Tagihan Bersih Sebelum MRK
Net Receivable Before CRM
MRK(Credit Risk Mitigation)
Tagihan Bersih Setelah MRKNet Receivable After CRM≤ 1 tahun
<1 Year> 1 thn - ≤ 5 thn> 1 Year < 5 Year
> 5 thn> 5 Years
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Suku BungaInterest Rate
2 Nilai TukarForeign Exchange 45.894 1.082 - (4) (4)
3 LainnyaOthers
TOTAL 45.894 - - 1.082 - - - -
2017 2017
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Suku BungaInterest Rate
2 Nilai TukarForeign Exchange 181.721 20 95 3.655 3.655
3 LainnyaOthers
TOTAL 181.721 - - 20 95 3.655 - 3.655
159Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
Lembaga Pemeringkat
Company Rating
2018
Tagihan BersihTagihan Bersih
Peringkat Jangka PanjangLong Term Rating
Peringkat Jangka PendekShort Term Rating Tanpa Peringkat
Unrated TotalStandard and Poor's AAA AA+ s.d AA-
AA+ to AA-A+ s.d A-A+ to A-
BBB+ s.d BBB-BBB+ to BBB-
BB+ s.d BB-BB+ to BB-
B+ s.d B-B+ to B-
Kurang dari B-Less than B-
A-1 A-2 A-3 Kurang dari A-3Less than A-3
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio
2.098.627 2.098.627
9 Tagihan Kepada KorporasiReceivables on Corporate 88.938 40.875 3.443.513 3.573.326
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables 152.601 152.601
11 Aset LainnyaOther Assets 744.023 744.023
Total - 88.938 40.875 - - - - - - - - 10.513.530 10.643.343
No Kategori PortofolioPortfolio Category
2018 2018
Notional AmountNotional Amount Tagihan Derivatif
Derivative ReceivableKewajiban DerivatifDerivative Payable
Tagihan Bersih Sebelum MRK
Net Receivable Before CRM
MRK(Credit Risk Mitigation)
Tagihan Bersih Setelah MRKNet Receivable After CRM≤ 1 tahun
<1 Year> 1 thn - ≤ 5 thn> 1 Year < 5 Year
> 5 thn> 5 Years
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Suku BungaInterest Rate
2 Nilai TukarForeign Exchange 45.894 1.082 - (4) (4)
3 LainnyaOthers
TOTAL 45.894 - - 1.082 - - - -
2017 2017
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Suku BungaInterest Rate
2 Nilai TukarForeign Exchange 181.721 20 95 3.655 3.655
3 LainnyaOthers
TOTAL 181.721 - - 20 95 3.655 - 3.655
Dalam jutaan RupiahIn Million Rupiah
160 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 3.2.b.1. Pengungkapan Risiko Kredit Pihak Lawan : Transaksi Repo - Bank secara IndividualTabel 3.2.b.1. disclosure of counterparty credit risk: repo transaction-Bank Stand Alone
Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan : Transaksi Reverse Repo - Bank secara IndividualTabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan : Transaksi Reverse Repo - Bank secara Individual
No Kategori PortofolioPortfolio Category
2018
ATMRRWA
2017
ATMRRWA
Nilai Wajar SSB RepoFair Value od Securities
Sold Under Repo Agreement
Kewajiban RepoRepo Liabilities
Tagihan BersihNet
Receivable
Nilai Wajar SSB RepoFair Value od Securities Sold
Under Repo Agreement
Kewajiban RepoRepo Liabilities
Tagihan BersihNet
Receivable
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada PemerintahClaims on Sovereign - - - - - - - -
2 Tagihan kepada Enuitas Sektor PublikClaims on Public Sector Entity - - - - - - - -
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions - - - - - - - -
4 Tagihan kepada BankClaims on Banks - - - - - - - -
5 Taguhan kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaims Secured by Residential Property - - - - - - - -
6 Tagihan kepada KorporasiClaims Secured by Corporate Real Estate - - - - - - - -
TOTAL - - - - - - - -
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihRWA Before CRM
Nilai MRKRWA After CRM
Tagihan Bersih setelah MRK
Net Receivable
ATMR setelah MRKRWA Before CRM
Tagihan BersihRWA Before CRM
Nilai MRKRWA After CRM
Tagihan Bersih setelah MRKNet Receivable
ATMR setelah MRKRWA Before CRM
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada PemerintahClaims on Sovereign - - - - - - - -
2 Tagihan kepada Enuitas Sektor PublikClaims on Public Sector Entity - - - - - - - -
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions - - - - - - - -
4 Tagihan kepada BankClaims on Banks - - - - - - - -
5 Taguhan kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaims Secured by Residential Property - - - - - - - -
6 Tagihan kepada KorporasiClaims Secured by Corporate Real Estate - - - - - - - -
TOTAL - - - - - - - -
161Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2018
ATMRRWA
2017
ATMRRWA
Nilai Wajar SSB RepoFair Value od Securities
Sold Under Repo Agreement
Kewajiban RepoRepo Liabilities
Tagihan BersihNet
Receivable
Nilai Wajar SSB RepoFair Value od Securities Sold
Under Repo Agreement
Kewajiban RepoRepo Liabilities
Tagihan BersihNet
Receivable
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada PemerintahClaims on Sovereign - - - - - - - -
2 Tagihan kepada Enuitas Sektor PublikClaims on Public Sector Entity - - - - - - - -
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions - - - - - - - -
4 Tagihan kepada BankClaims on Banks - - - - - - - -
5 Taguhan kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaims Secured by Residential Property - - - - - - - -
6 Tagihan kepada KorporasiClaims Secured by Corporate Real Estate - - - - - - - -
TOTAL - - - - - - - -
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihRWA Before CRM
Nilai MRKRWA After CRM
Tagihan Bersih setelah MRK
Net Receivable
ATMR setelah MRKRWA Before CRM
Tagihan BersihRWA Before CRM
Nilai MRKRWA After CRM
Tagihan Bersih setelah MRKNet Receivable
ATMR setelah MRKRWA Before CRM
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan kepada PemerintahClaims on Sovereign - - - - - - - -
2 Tagihan kepada Enuitas Sektor PublikClaims on Public Sector Entity - - - - - - - -
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions - - - - - - - -
4 Tagihan kepada BankClaims on Banks - - - - - - - -
5 Taguhan kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaims Secured by Residential Property - - - - - - - -
6 Tagihan kepada KorporasiClaims Secured by Corporate Real Estate - - - - - - - -
TOTAL - - - - - - - -
Dalam jutaan RupiahIn Million Rupiah
Dalam jutaan RupiahIn Million Rupiah
162 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara IndividualTabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual
No Kategori PortofolioPortfolio Category
2018 2018
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
A EKSPOSUR NERACAExPOSURE ON BALANCE SHEET
1 Tagihan Kepada PemerintahReceivables on Sovereigns 1.992.375 - - - - - - - 1.786 - 1.786 143
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 336.328 - - - - 38.621 - - - 86.576 6.926
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - 522.552 288.824 136.040 - - - - - - 224.330 17.946
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - 730.517 - 730.517 58.441
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - 26.229 - - - 13.115 1.049
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 2.097.995 - - 1.573.496 125.880
9 Tagihan Kepada KorporasiReceivables on Corporate - 88.938 - - - - 40.875 - 3.396.915 - 3.435.140 274.811
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - 50.035 102.566 203.884 16.311
11 Aset LainnyaOther Assets 173.207 - - - - - - - 389.961 180.855 661.243 52.899
Total Eksposur NeracaTotal Exposure on Balance Sheet 2.165.582 947.818 288.824 136.040 - - 105.726 2.097.995 4.569.214 283.421 - 6.930.088 554.407
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIFCOMMITMENTS/CONTINGENCIES ExPOSURE FOR OFF BALANCE SHEET TRANSACTIONS
1 Tagihan Kepada PemerintahReceivables on Sovereigns 465 - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - - - - - - 359 - - - 179 14
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - - - - - - - - - -
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - - - - -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 631 - - 474 38
9 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - 46.598 - 46.598 3.728
163Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2018 2018
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
A EKSPOSUR NERACAExPOSURE ON BALANCE SHEET
1 Tagihan Kepada PemerintahReceivables on Sovereigns 1.992.375 - - - - - - - 1.786 - 1.786 143
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 336.328 - - - - 38.621 - - - 86.576 6.926
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - 522.552 288.824 136.040 - - - - - - 224.330 17.946
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - 730.517 - 730.517 58.441
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - 26.229 - - - 13.115 1.049
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 2.097.995 - - 1.573.496 125.880
9 Tagihan Kepada KorporasiReceivables on Corporate - 88.938 - - - - 40.875 - 3.396.915 - 3.435.140 274.811
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - 50.035 102.566 203.884 16.311
11 Aset LainnyaOther Assets 173.207 - - - - - - - 389.961 180.855 661.243 52.899
Total Eksposur NeracaTotal Exposure on Balance Sheet 2.165.582 947.818 288.824 136.040 - - 105.726 2.097.995 4.569.214 283.421 - 6.930.088 554.407
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIFCOMMITMENTS/CONTINGENCIES ExPOSURE FOR OFF BALANCE SHEET TRANSACTIONS
1 Tagihan Kepada PemerintahReceivables on Sovereigns 465 - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - - - - - - 359 - - - 179 14
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - - - - - - - - - -
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - - - - -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 631 - - 474 38
9 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - 46.598 - 46.598 3.728
Dalam jutaan RupiahIn Million Rupiah
164 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No Kategori PortofolioPortfolio Category
2017 2017
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
A EKSPOSUR NERACAExPOSURE ON BALANCE SHEET
1 Tagihan Kepada PemerintahReceivables on Sovereigns 2.498.393 - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 342.562 - - - - 47.563 - - - 92.294 7.384
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - 23.561 - - - - - - 8.246 660
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - 690.578 - 690.578 55.246
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - 103.864 - - - 51.932 4.155
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 2.155.290 - - 1.616.468 129.317
9 Tagihan Kepada KorporasiReceivables on Corporate - 11.204 - - - - - - 3.906.637 - 3.908.878 312.710
No Kategori PortofolioPortfolio Category
2018 2018
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - - - - -
Total Eksposur TRATotal Commitments/ Contingencies Exposure for Off Balance Sheet Transactions 465 - - - - - 359 631 46.598 - - 47.251 3.780
C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)ExPOSURE ON COUNTERPARTY CREDIT RISK
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 670 - - - - - - - - 134 11
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - - - - - -
6 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - - - - -
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk Exposures - 670 - - - - - - - - 134 11
165Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2017 2017
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
A EKSPOSUR NERACAExPOSURE ON BALANCE SHEET
1 Tagihan Kepada PemerintahReceivables on Sovereigns 2.498.393 - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 342.562 - - - - 47.563 - - - 92.294 7.384
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - 23.561 - - - - - - 8.246 660
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - 690.578 - 690.578 55.246
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - 103.864 - - - 51.932 4.155
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 2.155.290 - - 1.616.468 129.317
9 Tagihan Kepada KorporasiReceivables on Corporate - 11.204 - - - - - - 3.906.637 - 3.908.878 312.710
No Kategori PortofolioPortfolio Category
2018 2018
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - - - - -
Total Eksposur TRATotal Commitments/ Contingencies Exposure for Off Balance Sheet Transactions 465 - - - - - 359 631 46.598 - - 47.251 3.780
C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)ExPOSURE ON COUNTERPARTY CREDIT RISK
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 670 - - - - - - - - 134 11
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - - - - - -
6 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - - - - -
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk Exposures - 670 - - - - - - - - 134 11
166 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No Kategori PortofolioPortfolio Category
2017 2017
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - 416 172.890 259.750 20.780
11 Aset LainnyaOther Assets 121.769 - - - - - - - 353.742 106.150 512.967 41.037
Total Eksposur NeracaTotal Exposure on Balance Sheet 2.620.162 353.765 - 23.561 - - 151.427 2.155.290 4.951.373 279.040 - 7.141.113 571.289
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIFCOMMITMENTS/CONTINGENCIES ExPOSURE FOR OFF BALANCE SHEET TRANSACTIONS
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - - - - - - 17 - - - 9 1
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - - - - - - - - - -
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - - - - -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 50.346 - - 37.760 3.021
9 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - 117.457 - 117.457 9.397
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - - - - -
Total Eksposur TRATotal Commitments/ Contingencies Exposure for Off Balance Sheet Transactions - - - - - - 17 50.346 117.457 - - 155.225 12.418
C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)ExPOSURE ON COUNTERPARTY CREDIT RISK
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 3.655 - - - - - - - - 731 58
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - - - - - -
6 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - - - - -
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk Exposures - 3.655 - - - - - - - - - 731 58
167Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2017 2017
ATMRRWA
Beban Modal (ATMR x 8%)Capital Charge (9% x RWA)
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables After Calculating Credit Risk Mitigation Impacts
-% 20% 25% 35% 40% 45% 50% 75% 100% 150% Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15)
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - 416 172.890 259.750 20.780
11 Aset LainnyaOther Assets 121.769 - - - - - - - 353.742 106.150 512.967 41.037
Total Eksposur NeracaTotal Exposure on Balance Sheet 2.620.162 353.765 - 23.561 - - 151.427 2.155.290 4.951.373 279.040 - 7.141.113 571.289
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIFCOMMITMENTS/CONTINGENCIES ExPOSURE FOR OFF BALANCE SHEET TRANSACTIONS
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - - - - - - 17 - - - 9 1
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - - - - - - - - - -
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - - - - - - - -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - - - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - 50.346 - - 37.760 3.021
9 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - 117.457 - 117.457 9.397
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - - - - - - - -
Total Eksposur TRATotal Commitments/ Contingencies Exposure for Off Balance Sheet Transactions - - - - - - 17 50.346 117.457 - - 155.225 12.418
C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)ExPOSURE ON COUNTERPARTY CREDIT RISK
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankReceivables on Banks - 3.655 - - - - - - - - 731 58
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - - - - - - - -
6 Tagihan Kepada KorporasiReceivables on Corporate - - - - - - - - - - - -
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk Exposures - 3.655 - - - - - - - - - 731 58
168 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara IndividualTabel 4.2.a. disclosure of net receivable and credit risk Mitigation
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet
Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Tagihan BersihNet Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Agunan Collateral
GaransiGuarantee
Asuransi KreditCredit
Insurance
LainnyaOthers Agunan Collateral Garansi
GuaranteeAsuransi KreditCredit Insurance Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)] (3) (4) (5) (6) (7) (8) = (3)-
[(4)+(5)+(6)+(7)]
A EKSPOSUR NERACAExPOSURE ON BALANCE SHEET
1 Tagihan Kepada PemerintahReceivables on Sovereigns 1.994.161 1.786 1.992.375 2.498.393 - 2.498.393
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 374.949 86.576 288.373 390.125 92.294 297.831
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property 947.415 224.330 723.085 23.561 8.246 15.315
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate 730.517 730.517 - 690.578 690.578 -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 26.229 13.115 13.114 103.864 51.932 51.932
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 2.097.995 1.573.496 524.499 2.155.290 1.616.468 538.822
9 Tagihan Kepada KorporasiReceivables on Corporate 3.526.728 3.435.140 91.588 3.917.841 3.908.878 8.963
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables 152.601 203.884 (51.283) 173.306 259.750 (86.444)
11 Aset LainnyaOther Assets 744.023 661.243 82.780 581.660 512.966 68.694
Total Eksposur NeracaTotal Exposure on Balance Sheet 10.594.618 6.930.087 - - - 3.664.531 10.534.618 7.141.112 - - - 3.393.506
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIFCOMMITMENTS/CONTINGENCIES ExPOSURE FOR OFF BALANCE SHEET TRANSACTIONS
1 Tagihan Kepada PemerintahReceivables on Sovereigns 465 - 465 - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 359 179 180 17 9 8
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - - - -
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - -
169Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet
Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Tagihan BersihNet Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Agunan Collateral
GaransiGuarantee
Asuransi KreditCredit
Insurance
LainnyaOthers Agunan Collateral Garansi
GuaranteeAsuransi KreditCredit Insurance Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)] (3) (4) (5) (6) (7) (8) = (3)-
[(4)+(5)+(6)+(7)]
A EKSPOSUR NERACAExPOSURE ON BALANCE SHEET
1 Tagihan Kepada PemerintahReceivables on Sovereigns 1.994.161 1.786 1.992.375 2.498.393 - 2.498.393
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 374.949 86.576 288.373 390.125 92.294 297.831
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property 947.415 224.330 723.085 23.561 8.246 15.315
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate 730.517 730.517 - 690.578 690.578 -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 26.229 13.115 13.114 103.864 51.932 51.932
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 2.097.995 1.573.496 524.499 2.155.290 1.616.468 538.822
9 Tagihan Kepada KorporasiReceivables on Corporate 3.526.728 3.435.140 91.588 3.917.841 3.908.878 8.963
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables 152.601 203.884 (51.283) 173.306 259.750 (86.444)
11 Aset LainnyaOther Assets 744.023 661.243 82.780 581.660 512.966 68.694
Total Eksposur NeracaTotal Exposure on Balance Sheet 10.594.618 6.930.087 - - - 3.664.531 10.534.618 7.141.112 - - - 3.393.506
B EKSPOSUR KEWAJIBAN KOMITMEN/KONTINJENSI PADA TRANSAKSI REKENING ADMINISTRATIFCOMMITMENTS/CONTINGENCIES ExPOSURE FOR OFF BALANCE SHEET TRANSACTIONS
1 Tagihan Kepada PemerintahReceivables on Sovereigns 465 - 465 - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 359 179 180 17 9 8
5 Kredit Beragun Rumah TinggalLoans Secured by Residential Property - - - - - -
6 Kredit Beragun Properti KomersialLoans Secured by Commercial Real Estate - - - - - -
Dalam jutaan RupiahIn Million Rupiah
170 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet
Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Tagihan BersihNet Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Agunan Collateral
GaransiGuarantee
Asuransi KreditCredit
Insurance
LainnyaOthers Agunan Collateral Garansi
GuaranteeAsuransi KreditCredit Insurance Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)] (3) (4) (5) (6) (7) (8) = (3)-
[(4)+(5)+(6)+(7)]
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 631 474 157 50.346 37.760 12.586
9 Tagihan Kepada KorporasiReceivables on Corporate 46.598 46.598 - 117.457 117.457 -
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - -
Total Eksposur TRATotal Commitments/ Contingencies Exposure for Off Balance Sheet Transactions
48.053 47.251 - - - 802 167.820 155.226 - - - 12.594
C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)ExPOSURE ON COUNTERPARTY CREDIT RISK
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 670 134 536 3.655 731 2.924
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - -
6 Tagihan Kepada KorporasiReceivables on Corporate - - - - - -
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk Exposures 670 134 - - - 536 3.655 731 - - - 2.924
Total (A+B+C) 10.643.341 6.977.472 - - - 3.665.869 10.706.093 7.297.069 - - - 3.409.024
171Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet
Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Tagihan BersihNet Receivables
Bagian Yang Dijamin DenganExposure which is Secured by Bagian Yang Tidak
DijaminUnsecuredExposure
Agunan Collateral
GaransiGuarantee
Asuransi KreditCredit
Insurance
LainnyaOthers Agunan Collateral Garansi
GuaranteeAsuransi KreditCredit Insurance Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) = (3)-[(4)+(5)+(6)+(7)] (3) (4) (5) (6) (7) (8) = (3)-
[(4)+(5)+(6)+(7)]
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 631 474 157 50.346 37.760 12.586
9 Tagihan Kepada KorporasiReceivables on Corporate 46.598 46.598 - 117.457 117.457 -
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - -
Total Eksposur TRATotal Commitments/ Contingencies Exposure for Off Balance Sheet Transactions
48.053 47.251 - - - 802 167.820 155.226 - - - 12.594
C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN (COUNTERPARTY CREDIT RISK)ExPOSURE ON COUNTERPARTY CREDIT RISK
1 Tagihan Kepada PemerintahReceivables on Sovereigns - - - - - -
2 Tagihan Kepada Entitas Sektor PublikReceivables on Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalReceivables on Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada BankReceivables on Banks 670 134 536 3.655 731 2.924
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio - - - - - -
6 Tagihan Kepada KorporasiReceivables on Corporate - - - - - -
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk Exposures 670 134 - - - 536 3.655 731 - - - 2.924
Total (A+B+C) 10.643.341 6.977.472 - - - 3.665.869 10.706.093 7.297.069 - - - 3.409.024
172 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
4.2.a.1 Tabel Jumlah Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual 4.2.a.1 disclosure of net receivable and credit risk Mitigation - Bank only
Tabel 6.1.1. Pengungkapan Eksposur Aset di Neraca - Bank secara IndividualTabel 6.1.1. disclosure of credit rWA under Standardized Approach – on Balance Sheet - Bank only
Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
Bagian Yang Dijamin DenganPart Secured By Bagian Yang Tidak
DijaminUnsecured Exposure
Tagihan BersihNet Receivable
Bagian Yang Dijamin DenganPart Secured By Bagian Yang Tidak
DijaminUnsecured ExposureAgunan
Cash CollateralGaransi
GuaranteeAsuransi KreditCredit Insurance
LainnyaOthers
AgunanCash Collateral
GaransiGuarantee
Asuransi KreditCredit Insurance
LainnyaOthers
Total Eksposur NeracaTotal On Balance Sheet 10.594.618 6.930.087 3.664.531 10.534.618 7.141.112 3.393.506
Total Eksposur TRATotal Off Balance Sheet 48.053 47.251 802 167.820 155.226 12.594
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk 670 134 536 3.655 731 2.924
Total (A+B+C) 10.643.341 6.977.472 - - - 3.665.869 10.706.093 7.297.069 - - - 3.409.024
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
(1) (2) (3) (4) (5) (3) (4) (5)
1 Tagihan Kepada PemerintahClaims on Sovereign 1.994.161 1.786 1.786 2.498.393 - -
2 Tagihan Kepada Entitas Sektor PublikClaims on Public Sector Entity
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankClaims on Banks 374.949 86.576 84.723 390.125 92.294 91.562
5 Kredit Beragun Rumah TinggalClaims Secured by Residential Property 947.415 224.330 224.312 23.561 8.246 8.246
6 Kredit Beragun Properti KomersialClaims Secured by Commercial Real Estate 730.517 730.517 730.517 690.578 690.578 690.578
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 26.229 13.115 13.115 103.864 51.932 51.932
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 2.097.995 1.573.496 1.572.386 2.155.290 1.616.468 1.610.279
9 Tagihan Kepada KorporasiReceivables on Corporate 3.526.728 3.435.140 2.736.719 3.917.840 3.804.623 3.726.662
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables 152.601 203.884 184.657 173.306 259.750 212.208
11 Aset LainnyaOther Assets 744.023 661.243 661.243 581.661 512.967 512.967
TOTAL 10.594.620 6.930.088 6.209.458 10.534.618 7.036.857 6.904.434
173Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
Bagian Yang Dijamin DenganPart Secured By Bagian Yang Tidak
DijaminUnsecured Exposure
Tagihan BersihNet Receivable
Bagian Yang Dijamin DenganPart Secured By Bagian Yang Tidak
DijaminUnsecured ExposureAgunan
Cash CollateralGaransi
GuaranteeAsuransi KreditCredit Insurance
LainnyaOthers
AgunanCash Collateral
GaransiGuarantee
Asuransi KreditCredit Insurance
LainnyaOthers
Total Eksposur NeracaTotal On Balance Sheet 10.594.618 6.930.087 3.664.531 10.534.618 7.141.112 3.393.506
Total Eksposur TRATotal Off Balance Sheet 48.053 47.251 802 167.820 155.226 12.594
Total Eksposur Counterparty Credit RiskTotal Counterparty Credit Risk 670 134 536 3.655 731 2.924
Total (A+B+C) 10.643.341 6.977.472 - - - 3.665.869 10.706.093 7.297.069 - - - 3.409.024
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
(1) (2) (3) (4) (5) (3) (4) (5)
1 Tagihan Kepada PemerintahClaims on Sovereign 1.994.161 1.786 1.786 2.498.393 - -
2 Tagihan Kepada Entitas Sektor PublikClaims on Public Sector Entity
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankClaims on Banks 374.949 86.576 84.723 390.125 92.294 91.562
5 Kredit Beragun Rumah TinggalClaims Secured by Residential Property 947.415 224.330 224.312 23.561 8.246 8.246
6 Kredit Beragun Properti KomersialClaims Secured by Commercial Real Estate 730.517 730.517 730.517 690.578 690.578 690.578
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans 26.229 13.115 13.115 103.864 51.932 51.932
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 2.097.995 1.573.496 1.572.386 2.155.290 1.616.468 1.610.279
9 Tagihan Kepada KorporasiReceivables on Corporate 3.526.728 3.435.140 2.736.719 3.917.840 3.804.623 3.726.662
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables 152.601 203.884 184.657 173.306 259.750 212.208
11 Aset LainnyaOther Assets 744.023 661.243 661.243 581.661 512.967 512.967
TOTAL 10.594.620 6.930.088 6.209.458 10.534.618 7.036.857 6.904.434
Dalam jutaan RupiahIn Million Rupiah
Dalam jutaan RupiahIn Million Rupiah
174 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 6.1.2. Pengungkapan Eksposur Kewajiban Komitmen/Kontijensi pada Transaksi Rekening Administratif - Bank secara IndividualTabel 6.1.2. disclosure of credit rWA under Standardized Approach – off Balance Sheet - Bank only
Tabel 6.1.3. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) - Bank secara IndividualTabel 6.1.3. disclosure of credit rWA under Standardized Approach – off Balance Sheet - Bank only
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
(1) (2) (3) (4) (5) (3) (4) (5)
1 Tagihan Kepada PemerintahClaims on Sovereign 465 - - - - -
2 Tagihan Kepada Entitas Sektor PublikClaims on Public Sector Entity
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankClaims on Banks 359 179 179 17 9 9
5 Kredit Beragun Rumah TinggalClaims Secured by Residential Property - - - - - -
6 Kredit Beragun Properti KomersialClaims Secured by Commercial Real Estate - - - - - -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 631 474 474 50.346 37.760 37.760
9 Tagihan Kepada KorporasiReceivables on Corporate 46.598 46.598 46.598 117.457 117.457 117.457
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - -
TOTAL 48.053 47.251 47.251 167.821 155.225 155.225
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
(1) (2) (3) (4) (5) (3) (4) (5)
1 Tagihan Kepada PemerintahClaims on Sovereign - - - - - -
2 Tagihan Kepada Entitas Sektor PublikClaims on Public Sector Entity
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankClaims on Banks 670 134 134 3.655 731 731
5Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaims on Micro and Small Enterprise and RetailPortfolio
- - - - - -
6 Tagihan Kepada KorporasiClaims on Corporate - - - - - -
TOTAL 670 134 134 3.655 731 731
175Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Dalam jutaan RupiahIn Million Rupiah
Dalam jutaan RupiahIn Million Rupiah
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
(1) (2) (3) (4) (5) (3) (4) (5)
1 Tagihan Kepada PemerintahClaims on Sovereign 465 - - - - -
2 Tagihan Kepada Entitas Sektor PublikClaims on Public Sector Entity
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankClaims on Banks 359 179 179 17 9 9
5 Kredit Beragun Rumah TinggalClaims Secured by Residential Property - - - - - -
6 Kredit Beragun Properti KomersialClaims Secured by Commercial Real Estate - - - - - -
7 Kredit Pegawai / PensiunanEmployee/Pensioner Loans - - - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelReceivables on Micro, Small Business & Retail Portfolio 631 474 474 50.346 37.760 37.760
9 Tagihan Kepada KorporasiReceivables on Corporate 46.598 46.598 46.598 117.457 117.457 117.457
10 Tagihan Yang Telah Jatuh TempoPast Due Receivables - - - - - -
TOTAL 48.053 47.251 47.251 167.821 155.225 155.225
No Kategori PortofolioPortfolio Category
2018 2017
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
Tagihan BersihNet Receivables
ATMR Sebelum MRKRWA Before CRM
ATMR Setelah MRKRWA After CRM
(1) (2) (3) (4) (5) (3) (4) (5)
1 Tagihan Kepada PemerintahClaims on Sovereign - - - - - -
2 Tagihan Kepada Entitas Sektor PublikClaims on Public Sector Entity
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaims on Multilateral Development Banks and International Institutions
4 Tagihan Kepada BankClaims on Banks 670 134 134 3.655 731 731
5Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaims on Micro and Small Enterprise and RetailPortfolio
- - - - - -
6 Tagihan Kepada KorporasiClaims on Corporate - - - - - -
TOTAL 670 134 134 3.655 731 731
176 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 6.1.7. Pengungkapan Total Pengukuran Risiko KreditTabel 6.1.7. Table disclosure of Total credit risk Measurement
Tabel 7.1. Pengungkapan Risiko Pasar Dengan Menggunakan Metode StandarTabel 7.1. presents Market rWA under the Standardized Approach
2018 2017
TOTAL ATMR RISIKO KREDITTOTAL CREDIT RISK WEIGHTED ASSET 6.257.297 7.060.407
TOTAL FAKTOR PENGURANG MODALTOTAL CAPITAL DEDUCTION FACTOR
No Jenis RisikoPortfolio Category
2018 2017
Beban ModalCapital Charge
ATMRRWA
Beban ModalCapital Charge
ATMRRWA
(1) (2) (3) (4) (3) (4)
1 Risiko Suku BungaInterest Rate Risk 2.846 35.570 6.573 82.164
a. Risiko Spesifika. Spesific Risk - - 160 2.004
b. Risiko Umumb. Risiko Umum 2.846 35.570 6.413 80.160
2 Risiko Nilai TukarForeign Exchange Risk 895 11.182 5.574 69.681
3 Risiko Ekuitas *)Equity Risk
4 Risiko Komoditas *)Commodity Risk
3 Risiko OptionOption Risk
TOTAL 3.740 46.753 12.148 151.845
Dalam jutaan RupiahIn Million Rupiah
Dalam jutaan RupiahIn Million Rupiah
177Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel 8.1.a Pengungkapan Kuantitatif Risiko Operasional - Bank secara IndividualTabel 8.1.a disclosure of operational rWA under Basic indicator Approach - Bank only
No Jenis Risiko
2018 2017
Pendapatan Bruto (Rata-rata 3 Tahun Terakhir)
Gross Income (AverageOf Last 3 Years)
Beban ModalCapital Charge
ATMRRWA
Pendapatan Bruto (Rata-rata 3 Tahun Terakhir)
Gross Income (AverageOf Last 3 Years)
Beban ModalCapital Charge
ATMRRWA
(1) (2) (3) (4) (5) (3) (4) (5)
1
Pendekatan Indikator DasarBasic Indicator Approach
505.363 75.804 853.378 400.229 60.034 750.430
TOTAL 505.363 75.804 853.378 400.229 60.034 750.430
Dalam jutaan RupiahIn Million Rupiah
178 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara IndividualTabel 9.1.a. disclosure of Maturity profile – rupiah - Bank only
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
I NERACAON BALANCE SHEET
A. AsetAssets
1 KasCash 169.261 169.261 - - - - 119.530 119.530 - - - -
2 Penempatan pada Bank IndonesiaPlacement to BI 949.753 949.753 - - - - 1.175.992 1.175.992 - - - -
3 Penempatan pada Bank LainPlacement to Other Bank 202.785 202.785 - - - - 221.281 221.281 - - - -
4 Surat BerhargaMarketable Securities 927.423 - 352 1.004 - 926.067 1.101.137 81.336 100.359 49.338 154 869.950
5 Kredit yang DiberikanLoan 6.990.757 113.129 174.711 215.339 1.277.725 5.209.853 6.497.979 234.303 443.924 208.037 847.719 4.763.996
6 Tagihan LainnyaOther Receivables 1.082 - 1.082 - - - 22 - 22 - - -
7 Lain-lainOthers 602.778 55.806 - - - 546.972 575.467 46.141 - - - 529.326
Total Aset 9.843.839 1.490.734 176.145 216.343 1.277.725 6.682.892 9.691.408 1.878.583 544.305 257.375 847.873 6.163.272
B. KewajibanLiabilities
1 Dana Pihak KetigaDeposit from Customer 7.806.098 956.049 - - - 6.850.049 8.238.813 939.671 - - - 7.299.142
2 Kewajiban pada Bank IndonesiaLiabilities to BI - - - - - - - - - - - -
3 Kewajiban pada bank LainLiabilities to Other Bank 740.092 - 740.092 - - - 197.257 - 197.257 - - -
4 Surat Berharga yang DiterbitkanIssued Marketable Securities - - - - - - - - - - - -
5 Pinjaman yang DiterimaBorrowing - - - - - - - - - - - -
6 Kewajiban LainnyaOther Liabilities 96.200 - 96.200 - - - 138.901 - 138.901 - - -
7 Lain-lainOthers 79.072 79.072 - - - - 84.971 84.971 - - - -
Total KewajibanTotal Liabilities 8.721.462 1.035.121 836.292 - - 6.850.049 8.659.942 1.024.642 336.158 - - 7.299.142
Selisih Aset dengan Kewajiban dalam NeracaAsset - Liabilities
1.122.377 455.613 (660.147) 216.343 1.277.725 (167.157) 1.031.466 853.941 208.147 257.375 847.873 (1.135.870)
179Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
I NERACAON BALANCE SHEET
A. AsetAssets
1 KasCash 169.261 169.261 - - - - 119.530 119.530 - - - -
2 Penempatan pada Bank IndonesiaPlacement to BI 949.753 949.753 - - - - 1.175.992 1.175.992 - - - -
3 Penempatan pada Bank LainPlacement to Other Bank 202.785 202.785 - - - - 221.281 221.281 - - - -
4 Surat BerhargaMarketable Securities 927.423 - 352 1.004 - 926.067 1.101.137 81.336 100.359 49.338 154 869.950
5 Kredit yang DiberikanLoan 6.990.757 113.129 174.711 215.339 1.277.725 5.209.853 6.497.979 234.303 443.924 208.037 847.719 4.763.996
6 Tagihan LainnyaOther Receivables 1.082 - 1.082 - - - 22 - 22 - - -
7 Lain-lainOthers 602.778 55.806 - - - 546.972 575.467 46.141 - - - 529.326
Total Aset 9.843.839 1.490.734 176.145 216.343 1.277.725 6.682.892 9.691.408 1.878.583 544.305 257.375 847.873 6.163.272
B. KewajibanLiabilities
1 Dana Pihak KetigaDeposit from Customer 7.806.098 956.049 - - - 6.850.049 8.238.813 939.671 - - - 7.299.142
2 Kewajiban pada Bank IndonesiaLiabilities to BI - - - - - - - - - - - -
3 Kewajiban pada bank LainLiabilities to Other Bank 740.092 - 740.092 - - - 197.257 - 197.257 - - -
4 Surat Berharga yang DiterbitkanIssued Marketable Securities - - - - - - - - - - - -
5 Pinjaman yang DiterimaBorrowing - - - - - - - - - - - -
6 Kewajiban LainnyaOther Liabilities 96.200 - 96.200 - - - 138.901 - 138.901 - - -
7 Lain-lainOthers 79.072 79.072 - - - - 84.971 84.971 - - - -
Total KewajibanTotal Liabilities 8.721.462 1.035.121 836.292 - - 6.850.049 8.659.942 1.024.642 336.158 - - 7.299.142
Selisih Aset dengan Kewajiban dalam NeracaAsset - Liabilities
1.122.377 455.613 (660.147) 216.343 1.277.725 (167.157) 1.031.466 853.941 208.147 257.375 847.873 (1.135.870)
Dalam jutaan RupiahIn Million Rupiah
180 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
II REKENING ADMINISTRATIFOFF BALANCE SHEET
A. Tagihan Rekening AdministratifDerivative Receivable
1 KomitmenCommitment 45.894 - 45.894 - - - 141.028 141.028 - - - -
2 KontinjensiContigent 109.564 109.564 117.360 117.360
Total Tagihan Rekening AdministratifTotal Derivative Receivable 155.458 109.564 45.894 - - - 258.388 258.388 - - - -
B. Kewajiban Rekening Administratif
1 KomitmenCommitment 110.774 110.774 - - - - 457.003 457.003 - - - -
2 KontinjensiContigent 1.678 1.678 11.533 11.533
Total Kewajiban Rekening AdministratifTotal Derivative Payable 112.452 112.452 - - - - 468.536 468.536 - - - -
Selisih Tagihan dan Kewajiban dalam Rekening Administratif 43.006 (2.888) 45.894 - - - (210.148) (210.148) - - - -
Selisih (IA-IB)+(IIA-IIB) 1.165.383 452.725 (614.253) 216.343 1.277.725 (167.157) 821.318 643.793 208.147 257.375 847.873 (1.135.870)
Selisih KumulatifCummulative Difference 452.725 (161.528) 54.815 1.332.540 1.165.383 643.793 851.940 1.109.315 1.957.188 821.318
181Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
II REKENING ADMINISTRATIFOFF BALANCE SHEET
A. Tagihan Rekening AdministratifDerivative Receivable
1 KomitmenCommitment 45.894 - 45.894 - - - 141.028 141.028 - - - -
2 KontinjensiContigent 109.564 109.564 117.360 117.360
Total Tagihan Rekening AdministratifTotal Derivative Receivable 155.458 109.564 45.894 - - - 258.388 258.388 - - - -
B. Kewajiban Rekening Administratif
1 KomitmenCommitment 110.774 110.774 - - - - 457.003 457.003 - - - -
2 KontinjensiContigent 1.678 1.678 11.533 11.533
Total Kewajiban Rekening AdministratifTotal Derivative Payable 112.452 112.452 - - - - 468.536 468.536 - - - -
Selisih Tagihan dan Kewajiban dalam Rekening Administratif 43.006 (2.888) 45.894 - - - (210.148) (210.148) - - - -
Selisih (IA-IB)+(IIA-IIB) 1.165.383 452.725 (614.253) 216.343 1.277.725 (167.157) 821.318 643.793 208.147 257.375 847.873 (1.135.870)
Selisih KumulatifCummulative Difference 452.725 (161.528) 54.815 1.332.540 1.165.383 643.793 851.940 1.109.315 1.957.188 821.318
182 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
Tabel 9.2.a. Pengungkapan Profil Maturitas Rupiah - Bank secara IndividualTabel 9.2.a. pengungkapan profil Maturitas rupiah - Bank secara individual
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
I NERACAON BALANCE SHEET
A. AsetAssets
1 KasCash 3.946 3.946 - - - - 2.239 2.239 - - - -
2 Penempatan pada Bank IndonesiaPlacement to BI 284.724 284.724 - - - - 351.398 351.398 - - - -
3 Penempatan pada Bank LainPlacement to Other Bank 127.194 127.194 - - - - 165.605 165.605 - - - -
4 Surat BerhargaMarketable Securities - - - - - - - - - - - -
5 Kredit yang DiberikanLoan 282.211 71.900 - 27.106 - 183.205 285.827 1.248 109.408 68.339 760 106.071
6 Tagihan LainnyaOther Receivables 36.419 36.419 - - - - 1.520 1.520 - - - -
7 Lain-lainOthers 22.965 762 - - - 22.203 22.264 692 - - - 21.572
Total Aset 757.459 524.945 - 27.106 - 205.408 828.852 522.702 109.408 68.339 760 127.643
B. KewajibanLiabilities
1 Dana Pihak KetigaDeposit from Customer 663.858 303.576 - - - 360.282 788.896 315.784 - - - 473.112
2 Kewajiban pada Bank IndonesiaLiabilities to BI - - - - - - - - - - - -
3 Kewajiban pada bank LainLiabilities to Other Bank - - - - - - - - - - - -
4 Surat Berharga yang DiterbitkanIssued Marketable Securities - - - - - - - - - - - -
5 Pinjaman yang DiterimaBorrowing - - - - - - - - - - - -
6 Kewajiban LainnyaOther Liabilities 37.057 - - - - 37.057 2.754 - - - - 2.754
7 Lain-lainOthers 2.488 2.488 - - - - 1.954 1.954 - - - -
Total KewajibanTotal Liabilities 703.403 306.064 - - - 397.339 793.604 317.737 - - - 475.866
Selisih Aset dengan Kewajiban dalam NeracaAsset - Liabilities
54.056 218.881 - 27.106 - (191.931) 35.248 204.964 109.408 68.339 760 (348.223)
183Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
I NERACAON BALANCE SHEET
A. AsetAssets
1 KasCash 3.946 3.946 - - - - 2.239 2.239 - - - -
2 Penempatan pada Bank IndonesiaPlacement to BI 284.724 284.724 - - - - 351.398 351.398 - - - -
3 Penempatan pada Bank LainPlacement to Other Bank 127.194 127.194 - - - - 165.605 165.605 - - - -
4 Surat BerhargaMarketable Securities - - - - - - - - - - - -
5 Kredit yang DiberikanLoan 282.211 71.900 - 27.106 - 183.205 285.827 1.248 109.408 68.339 760 106.071
6 Tagihan LainnyaOther Receivables 36.419 36.419 - - - - 1.520 1.520 - - - -
7 Lain-lainOthers 22.965 762 - - - 22.203 22.264 692 - - - 21.572
Total Aset 757.459 524.945 - 27.106 - 205.408 828.852 522.702 109.408 68.339 760 127.643
B. KewajibanLiabilities
1 Dana Pihak KetigaDeposit from Customer 663.858 303.576 - - - 360.282 788.896 315.784 - - - 473.112
2 Kewajiban pada Bank IndonesiaLiabilities to BI - - - - - - - - - - - -
3 Kewajiban pada bank LainLiabilities to Other Bank - - - - - - - - - - - -
4 Surat Berharga yang DiterbitkanIssued Marketable Securities - - - - - - - - - - - -
5 Pinjaman yang DiterimaBorrowing - - - - - - - - - - - -
6 Kewajiban LainnyaOther Liabilities 37.057 - - - - 37.057 2.754 - - - - 2.754
7 Lain-lainOthers 2.488 2.488 - - - - 1.954 1.954 - - - -
Total KewajibanTotal Liabilities 703.403 306.064 - - - 397.339 793.604 317.737 - - - 475.866
Selisih Aset dengan Kewajiban dalam NeracaAsset - Liabilities
54.056 218.881 - 27.106 - (191.931) 35.248 204.964 109.408 68.339 760 (348.223)
Dalam jutaan RupiahIn Million Rupiah
184 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion & Analysis
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
II REKENING ADMINISTRATIFOFF BALANCE SHEET
A. Tagihan Rekening AdministratifDerivative Receivable
1 KomitmenCommitment - - - - - - 40.703 40.703 - - - -
2 KontinjensiContigent 8.861 8.861 13.089 13.089
Total Tagihan Rekening AdministratifTotal Derivative Receivable 8.861 8.861 - - - - 53.791 53.791 - - - -
B. Kewajiban Rekening Administratif
1 KomitmenCommitment 105.400 105.400 146.505 146.505
2 KontinjensiContigent - - 8.141 8.141
Total Kewajiban Rekening AdministratifTotal Derivative Payable 105.400 105.400 - - - - 154.646 154.646 - - - -
Selisih Tagihan dan Kewajiban dalam Rekening Administratif (96.539) (96.539) - - - - (100.855) (100.855) - - - -
Selisih (IA-IB)+(IIA-IIB) (42.483) 122.342 - 27.106 - (191.931) (65.607) 104.109 109.408 68.339 760 (348.223)
Selisih KumulatifCummulative Difference 122.342 122.342 149.448 149.448 (42.483) 104.109 213.518 281.857 282.617 (65.607)
185Laporan Tahunan 2018 Annual Report
5
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No Pos-pos
2018 2017
SaldoNet
Receivable
Jatuh TempoMaturity
Saldo
Jatuh TempoMaturity
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln
> 6 months to 12 months
> 12 bln> 12 months
≤ 1 bulanup to 1 month
> 1 bln s.d. 3 bln> 1 month to 3
months
> 3 bln s.d. 6 bln> 3 monthsto 6 months
> 6 bln s.d. 12 bln> 6 months to 12
months
> 12 bln> 12 months
(1) (2) (3) (4) (5) (6) (7) (8) (3) (4) (5) (6) (7) (8)
II REKENING ADMINISTRATIFOFF BALANCE SHEET
A. Tagihan Rekening AdministratifDerivative Receivable
1 KomitmenCommitment - - - - - - 40.703 40.703 - - - -
2 KontinjensiContigent 8.861 8.861 13.089 13.089
Total Tagihan Rekening AdministratifTotal Derivative Receivable 8.861 8.861 - - - - 53.791 53.791 - - - -
B. Kewajiban Rekening Administratif
1 KomitmenCommitment 105.400 105.400 146.505 146.505
2 KontinjensiContigent - - 8.141 8.141
Total Kewajiban Rekening AdministratifTotal Derivative Payable 105.400 105.400 - - - - 154.646 154.646 - - - -
Selisih Tagihan dan Kewajiban dalam Rekening Administratif (96.539) (96.539) - - - - (100.855) (100.855) - - - -
Selisih (IA-IB)+(IIA-IIB) (42.483) 122.342 - 27.106 - (191.931) (65.607) 104.109 109.408 68.339 760 (348.223)
Selisih KumulatifCummulative Difference 122.342 122.342 149.448 149.448 (42.483) 104.109 213.518 281.857 282.617 (65.607)
tata kelola peruSahaanCorporate Governance
06
188 Pedoman Penerapan Tata KelolaGood Corporate Governance Guidelines
192 Roadmap Tata Kelola Perusahaan Yang BaikGood Corporate Governance Roadmap
198 Rapat Umum Pemegang SahamGeneral Meeting of Shareholders
217 Dewan KomisarisBoard of Commissioners
225 DireksiBoard of Directors
233 Penilaian Penerapan Tata Kelola 2018 Terhadap Dewan Komisaris dan Direksi2018 GCG Assessment for the Board of Commis-sioners and Directors
238 Rapat Dewan KomisarisMeetings of the Board of Commissioners
241 Rapat DireksiMeetings of the Board of Directors
251 Informasi Mengenai Pemegang Saham Utama dan PengendaliInformation on Ultimate Shareholders and Control-ing Shareholders
252 hubungan afiliasi antara anggota direksidewam komisaris dan pemegangsaham utama dan atau pengendaliMeetings of the Board of Commissioners
253 Komite Dewan Komisaris, Komite AuditThe Board of Commissioners Committees, Audit Committee
261 Komite Dewan Komisaris, Komite Nominasi dan RemunerasiThe Board of Commissioners Committees, Nomina-tion and Remuneration Committee
267 Komite Dewan Komisaris, Komite Pemantau RisikoThe Board of Commissioners Committees, Risk Oversight Committee
276 Komite Dewan Komisaris, Komite Tata Kelola Terin-tegrasiThe Board of Commissioners Committees, Integrat-ed Governance Committee
282 ALCOALCO
285 Komite di Bawah Direksi Manajemen risikoRisk management committee
286 Komite di Bawah Direksi Komite Spesial Aset Mana-jemenCommittee Under the Board of Directors Commit-tee of Special Asset Management
288 Komite di Bawah Direksi Pengarah Teknolog I InformasiInformation Technology Steering Committee
290 Komite di Bawah Direksi Special Aset ManajemenCommittee of Special Asset Management
292 Komite di Bawah Direksi Komite KreditCommittee of Special Asset Management
294 Komite di Bawah Direksi Komite Tata Kelola ProdukCommittee Under the Board of Directors Credit Committee
296 Sekretaris PerusahaanCorporate Secretary
306 Audit Internal Internal Audit
311 Akuntan PublikPublic Accountant
312 Fungsi KepatuhanCompliance Function
316 Managemen RisikoRisk Management
330 Sistem Pengendali InternalInternal Control System
333 Perkara Penting yang DihadapiPerseroanCompany Legal Cases
335 Kode EtikCode of Conduct
336 Budaya PerusahaanCorporate Culture
337 Sistem Whistleblowing Whistleblowing System
339 Kebijakan Mengenai Keberagaman Policy of Diversity of Board of Commissioners and Board of Directors
339 kebijakan & proseduranti korupsi Anti Corruption Policy & Procedures
342 pengadaan barang dan jasa Procrument
188 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tata Kelola Perusahaan pada dasarnya merupakan barometer dan struktur yang berfungsi sebagai motor penggerak untuk mengoptimalkan kinerja usaha sebuah perusahaan.
PEdOMAn PEnErAPAn TATA KELOLAPenerapan Tata Kelola Perusahaan memiliki aturan yang mengikat dengan hukum dan perundang-undangan yang berlaku, yang pada gilirannya memberikan manfaat tidak hanya untuk perusahaan tetapi juga untuk kepentingan pemegang saham, manajemen, karyawan, dan pemangku kepentingan lainnya.
dASAr huKuM PEnErAPAn TATA KELOLA PEruSAhAAn yAng BAiK 1. Undang-undang Republik Indonesia No.10 tahun 1998
tentang perubahan atas Undang-undang No. 7 tahun 1992 tentang Perbankan;
2. Undang-undang Republik Indonesia No.40 tahun 2007 tentang Perseroan Terbatas (“UUPT”);
3. Peraturan Otoritas Jasa Keuangan (POJK) No.55/POJK.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata Kelola Bagi Bank Umum;
4. Surat Edaran Otoritas Jasa Keuangan (SEOJK) No.13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola Bagi Bank Umum;
5. POJK No.18/POJK.03/2014 tanggal 18 November 2014 tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Keuangan;
6. SEOJK No. 15/SEOJK.03/2015 tanggal 25 Mei 2015 tentang Penerapan Tata Kelola Terintegrasi bagi Konglomerasi Keuangan;
7. POJK No.21/POJK.04/2015 tanggal 16 November 2015 tentang Penerapan Pedoman Tata Kelola Perusahaan Terbuka;
8. SEOJK No.32/ SEOJK.04/2015 tanggal 17 November 2015 tentang Pedoman Tata Kelola Perusahaan Terbuka.
Corporate Governance in essence is the barometer and structure that function as the driving force to optimize the business performance of a company.
GooD corPorAte GoVernAnce GUiDelinesThe implementation of Corporate Governance sets the rules that bind with the applicable laws and regulations, which in turn benefit for not only the company but also for the interests of shareholders, management, employee, and other stakeholders.
leGAl references of GooD corPorAteGoVernAnce (GcG) 1. Law of the Republic of Indonesia No.10 year 1998 on the
Amendment on Law No.7 year 1992 on Banking;
2. Law of the Republic of Indonesia No.40 year 2007 on Limited Liability Company (“Company Law”);
3. Financial Services Authority Regulation (POJK) No.55/POJK.03/2016 dated 7 December 2016 on the Implementation of Corporate Governance for Commercial Banks;
4. Circular Letter of Financial Services Authority Regulation (SEOJK) No.13/SEOJK.03/2017 dated 17 March 2017 regarding the Implementation of Corporate Governance for Commercial Banks;
5. POJK No.18/POJK.03/2014 dated 18 November 2014 on the Integrated Governance Implementation For Financial Conglomerate;
6. SEOJK No. 1515/SEOJK.03/2015 dated 25 May 2015 on the Integrated Governance Implementation For Financial Conglomerate;
7. POJK No.21/POJK.04/2015 dated 16 November 2015 on the implementation Good Corporate Governance Guidance of Public Company;
8. SEOJK No. 32/SEOJK.04/2015 dated 17 November 2014 on the Good Corporate Governance Guidance of Public Company.
Tata Kelola Perusahaan pada dasarnya merupakan barometer dan struktur yang berfungsi sebagai motor penggerak untuk mengoptimalkan kinerja usaha sebuah
perusahaan.
Corporate Governance in essence is the barometer and structure that function as the driving force to optimize the business performance of a company.
tata kelola peruSahaanCorporate Governance
189Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
GooD corPorAte GoVernAnce PrinciPlesThe Governance Principles implemented by MNC Bank refer to the Financial Services Authority Regulations number 55/POJK.03/2016 and SEOJK No.13/SEOJK.03/2017 respectively concerning Implementation of Governance for Commercial Banks. The purpose of implementing the principles of Governance is to create a balance of interests between shareholders, management and stakeholders including the community and government.
1. TransparencyAs a public company serving the community in the banking sector, MNC Bank applies the principle of Transparency to maintain its business objectivity and helps shareholders and other stakeholders in making decisions for MNC Bank’s business development.
All material financial and non-financial information is available in full and easily understood in annual reports, periodic financial reports and other relevant investor documents. In addition, the latest news and/or issues considered relevant and material are also disclosed to the public through press releases or reporting of material fact information disclosure to the Financial Services Authority which was also announced publicly through the Indonesia Stock Exchange website.
MNC Bank also uses the official website as an alternative media in applying the principle of Transparency. Through www.mncbank.co.id, shareholders, stakeholders and the general public can access all MNC Bank related information and documents regularly updated.
2. AccountabilityMNC Bank business activities must be managed accurately, measurably and in accordance with the interests of the company while noticing the interests of shareholders and other stakeholders. Hence, Accountability is the main requirement in developing a sustainable MNC Bank business where the results of MNC Bank’s performance and decisions made by the functions of the Company’s organs must be fairly accountable and transparent. The Accountability Principle is also supported by the existence of an Internal Audit Unit that performs the audit function on the implementation of GCG independently.
3. ResponsibilityResponsibility is actualized as a compliance with laws and regulations including the Articles of Association and MNC Bank internal policies. Further, in accordance with the MNC Limited Company Law (UUPT), the Bank is also compelled to conduct social and environmental responsibilities as a company commitment in building and improving the quality of life and environment that
PrinSiP TATA KELOLA PEruSAhAAn yAng BAiKPrinsip-prinsip Tata Kelola yang diimplementasikan oleh MNC Bank mengacu kepada Peraturan Otoritas Jasa Keuangan No.55/POJK.03/2016 dan SEOJK No.13/SEOJK.03/2017 masing-masing tentang Penerapan Tata Kelola bagi Bank Umum. Tujuan dari penerapan prinsip-prinsip Tata Kelola adalah untuk menciptakan keseimbangan kepentingan antara pemegang saham, manajemen dan para pemangku kepentingan termasuk masyarakat dan pemerintah.
1. TransparansiSebagai perusahaan publik yang melayani masyarakat di bidang perbankan, MNC Bank menerapkan prinsip Transparansi untuk menjaga objektivitas usahanya serta membantu pemegang saham dan pemangku kepentingan lainnya dalam mengambil keputusan demi perkembangan usaha MNC Bank.
Seluruh informasi finansial maupun non-finansial yang bersifat material tersedia secara lengkap dan mudah dipahami di dalam laporan tahunan, laporan keuangan berkala serta dokumen investor terkait lainnya. Selain itu, berbagai berita dan/atau isu terkini yang dianggap relevan dan material juga diungkapkan kepada masyarakat melalui siaran pers atau pelaporan keterbukaan informasi fakta material kepada Otoritas Jasa Keuangan yang juga diumumkan kepada publik melalui situs Bursa Efek Indonesia.
MNC Bank juga memanfaatkan situs web resmi sebagai media alternatif dalam menerapkan prinsip Transparansi. Melalui www.mncbank.co.id, pemegang saham, pemangku kepentingan dan masyarakat umum lainnya dapat mengakses seluruh informasi dan dokumen terkait MNC Bank yang diperbaharui secara berkala.
2. AkuntabilitasAktivitas bisnis MNC Bank wajib dikelola secara benar, terukur dan sesuai dengan kepentingan perusahaan dengan tetap memperhitungkan kepentingan pemegang saham dan pemangku kepentingan lainnya. Dengan demikian Akuntabilitas merupakan syarat utama dalam membangun usaha MNC Bank yang berkesinambungan di mana hasil kinerja MNC Bank dan keputusan yang dibuat oleh fungsi dari organ-organ Perseroan harus dapat dipertanggungjawabkan secara wajar dan transparan. Prinsip Akuntabilitas juga didukung oleh adanya Unit Audit Internal yang menjalankan fungsi pemeriksaan atas penerapan GCG secara independen.
3. Tanggung JawabTanggung jawab diwujudkan dalam bentuk kepatuhan atas peraturan perundang-undangan termasuk di dalamnya Anggaran Dasar dan kebijakan internal MNC Bank. Selain itu, sesuai dengan Undang-Undang Perusahaan Terbatas (UUPT) MNC Bank juga wajib melaksanakan tanggung jawab sosial dan lingkungan sebagai komitmen perusahaan dalam membangun dan
190 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
meningkatkan kualitas kehidupan dan lingkungan yang bermanfaat bagi perusahaan dan masyarakat. Aktivitas Tanggung Jawab Sosial (Corporate Social Responsibility, “CSR”) MNC Bank diungkapkan dalam Laporan Tahunan dan Laporan Keberlanjutan MNC Bank.
4. IndependensiPelaksanaan Tata Kelola di MNC Bank dilaksanakan secara independen sehingga tidak ada dominasi atau preferensi tertentu dari organ perusahaan. MNC Bank dikelola secara profesional berdasarkan Kode Etik sebagai pagar dalam mencegah terjadinya benturan kepentingan dan/atau penyalahgunaan kewenangan dalam pengambilan keputusan usaha.
5. KewajaranMNC Bank selalu menjunjung tinggi kesetaraan antara pemegang saham dan pemangku kepentingan lainnya sehingga tidak ada perlakuan eksklusif terhadap pihak tertentu. Prinsip Kewajaran dan Kesetaraan didukung oleh Prinsip Transparansi yang menjamin bahwa informasi yang diterima oleh pemegang saham dan pemangku kepentingan adalah sama dan setara.
urAiAn TEnTAng ASSESSMEnT gCg yAng MASih BErLAKuMengacu pada ketentuan POJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola bagi Bank Umum, SEOJK No.13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum, dan SEOJK No.14/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penilaian Tingkat Kesehatan Bank Umum, Bank wajib melakukan penilaian sendiri (self assessment) atas pelaksanaan Tata Kelola.
MNC Bank secara berkala telah melakukan penilaian sendiriterhadap pelaksanaan Tata Kelola yang ada di MNC Bank. Penilaian sendiri adalah bagian dari mekanisme check and balance sistematik untuk menghimpun dan mengolah data yang dapat dipercaya dan akurat untuk dapat digunakan sebagai landasan tindakan manajemen guna melaksanakan Tata Kelola yang efektif. Pencapaian hasil penilaian sendiri digunakan sebagai referensi untuk menentukan tindakan lebih lanjut dalam rangka memperbaiki pelaksanaan tata kelola.
benefits the company and society. Social Responsibility Activities (Corporate Social Responsibility, “CSR”) MNC Bank are disclosed in the Annual Report and MNC Bank Sustainability Report.
4. IndependenceGovernance Implementation at MNC Bank is carried out in an independent manner, so that there is no particular dominance or preference from the organ of the company. MNC Bank is managed professionally based on the Code of Ethics as a prevention from conflicts of interest and/or misuse of authority in making business decisions.
5. FairnessMNC Bank always upholds equality between shareholders and other stakeholders, so that there is no exclusive treatment of certain parties. The Principle of Fairness and Equality is supported by the Transparency Principle that provides guarantees that the information received by shareholders and stakeholders is equal and proportionate.
DescriPtion on APPlicABle GcG Assessment
Pursuant to POJK No.55/POJK.03/2016 concerning the Implementation of Governance for Commercial Banks, SEOJK No.13/SEOJK.03/2017 concerning Implementation of Governance for Commercial Banks, and SEOJK No.14/SEOJK.03/2017 on March 17, 2017 concerning the Evaluation of the Soundness of Commercial Banks, Banks are required to conduct self-assessment on the implementation of Governance.
MNC Bank has regularly conducted its own assessment of the implementation of Governance at the MNC Bank. Self-assessment is part of a systematic check and balances mechanism to collect and process reliable and accurate data used as a basis for management’s actions to implement effective Governance. Achieving the results of the assessment is used as a reference to determine further actions in order to improve the implementation of governance.
191Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Aspek Penilaian Sendiri ini meliputi governance structure, governance process dan governance outcome. Hasil Penilaian Sendiri untuk semester I dan II tahun 2018 adalah peringkat 3 (Cukup Baik) dengan definisi peringkat sebagai berikut:
Manajemen MNC Bank telah melakukan penerapan prinsip Tata Kelola, yang secara umum dinilai cukup baik. Hal ini tercermin dari pemenuhan yang cukup memadai atas prinsip-prinsip Tata Kelola. Apabila terdapat kelemahan dalam penerapan prinsip Tata Kelola, maka secara umum kelemahan tersebut cukup signifikan dan memerlukan perhatian yang cukup dari manajemen Bank.
This aspect of self-assessment includes governance structure, governance process and governance outcome. The results of the Self-Assessment for semester I and II of 2018 are ranked 3 (Sufficiently Good) with the ranking definition as follows:
MNC Bank Management has implemented the principles of Governance, which are generally considered to be quite good. This is reflected in the fulfillment of sufficiently adequate principles of Governance. If there are weaknesses in applying the principles of Governance, generally, these weaknesses are quite significant and require sufficient attention from the management of the Bank.
192 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
roADmAP TATA KELOLA PEruSAhAAn yAng BAiKGuna memastikan implementasi Tata Kelola yang konsisten dan berkualitas sesuai dengan peraturan perundang-undangan serta praktik-praktik terbaik di lingkup nasional maupun internasional, MNC Bank memiliki Roadmap Tata Kelola yang telah dibentuk sejak tahun 2015. Roadmap Tata Kelola MNC Bank mencakup inisiatif strategis dalam meningkatkan kualitas Tata Kelola dengan pencapaian sebagai berikut:
GooD corPorAte GoVernAnce roADmAPMNC Bank owns and operates a Governance Roadmap that has been established since 2015 in order to ensure consistent and quality implementation of governance in accordance with laws and regulations and best practices at national and international levels. MNC Bank’s Governance Roadmap includes strategic initiatives to improve quality Governance with achievement is as follows:
1. Sosialisasi Tata Kelola oleh Direksi dan Dewan Komisaris kepada seluruh karyawan untuk membangun kesadaran atas pentingnya penerapan Tata Kelola secara konsisten dengan berpedoman pada 5 prinsip Tata Kelola.
2. Melakukan pemenuhan struktur organisasi untuk mendukung pelaksanaan Tata Kelola.
3. Optimalisasi peran dan fungsi komite dalam menunjang pelaksanaan tugas Dewan Komisaris dan Direksi.
4. Komitmen dari seluruh organ Perseroan untuk menjalankan Tata Kelola.
5. Penyempurnaan Kebijakan Whistleblowing.6. Menetapkan adanya fungsi oversight dalam proses
pemberian kredit dari Satuan Kerja Manajemen Risiko, Kepatuhan dan Hukum.
7. Penerapan check and balance yang memadai di seluruh lini organisasi.
1. Komitmen dari seluruh manajemen dan karyawan untuk pelaksanaan Tata Kelola secara konsisten dalam menunjang kinerja MNC Bank.
2. Meningkatkan kinerja MNC Bank, melindungi kepentingan pemangku kepentingan.
3. Meningkatkan fungsi kepatuhan dan manajemen risiko.
4. Pemenuhan struktur dan komposisi Dewan Komisaris, Direksi dan pejabat eksekutif.
5. Pemenuhan dan penyesuaian kebijakan, sistem dan prosedur.
6. Mengoptimalkan peran dan fungsi komite dan satuan kerja dalam mendukung peningkatan kinerja MNC Bank.
7. Penerapan check and balance untuk memastikan seluruh proses kerja telah berpedoman pada ketentuan yang berlaku.
8. Penyempurnaan Kebijakan, Sistem dan Prosedur Kredit Konsumer.
9. Menetapkan dan melaksanakan training Tata Kelola kepada seluruh karyawan.
1. Socialization of Governance by the Board of Directors and the Board of Commissioners to all employees to build awareness of the importance of consistent implementation of Governance by adhering to the 5 principles of Governance.
2. Fulfilling the organizational structure to support the implementation of Governance.
3. Optimizing the roles and functions of the committee in supporting the implementation of the duties of the Board of Commissioners and Directors.
4. Commitments from all organs of the Company to run Governance.
5. Refinement of Whistleblowing Policy. 6. Establishing an oversight function in the crediting
process from the Risk Management, Compliance and Legal Unit.
7. Application of adequate check and balance throughout the organization.
1. Commitment from all management and employees for consistent implementation of Governance in supporting the performance of MNC Bank.
2. Improving the performance of MNC Bank, protect the interests of stakeholders.
3. Improving the function of compliance and risk management.
4. Fulfillment of the structure and composition of the Board of Commissioners, Directors and executive officers.
5. Fulfillment and adjustment of policies, systems and procedures.
6. Optimizing the roles and functions of committees and work units in supporting MNC Bank performance improvements.
7. Application of check and balance to ensure that all work processes are guided by applicable regulations.
8. Completion of Consumer Credit Policies, Systems and Procedures.
9. Establishing and implementing Governance training for all employees.
2015
2016
roaDMap tata kelolaperuSahaan yang BaIkGood Corporate Governance Roadmap
193Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
1. Penerapan prinsip-prinsip Tata Kelola secara konsisten.
2. Pemenuhan struktur dan komposisi Dewan Komisaris, Direksi termasuk komite-komite dan satuan kerja.
3. Pembuatan dan pengkinian Kebijakan, Sistem dan Prosedur Operasional MNC Bank yang disusun sesuai ketentuan undang-undang yang berlaku.
4. Memastikan ketersediaan sistem informasi manajemen yang memadai sesuai kompleksitas usaha MNC Bank.
5. Mengelola kualitas aset dalam mendukung kinerja/rentabilitas Bank.
6. Menjaga kemauan dan komitmen dari seluruh jajaran organisasi untuk melaksanakan Kebijakan, Sistem dan Prosedur yang berlaku secara konsisten.
7. Memastikan ketepatan waktu dan akurasi data terkait transparansi kondisi keuangan MNC Bank.
8. Komitmen dalam pelaksanaan perlindungan konsumen dan penanganan pengaduan nasabah sesuai ketentuan yang berlaku.
9. Penyempurnaan Kebijakan Manajemen Risiko.10. Penyempurnaan Kebijakan Komite Kredit
dan Pembentukan Komite Pengelolaan Aset Bermasalah.
11. Penyempurnaan Kebijakan dan pelaksanaan APU dan PPT.
12. Mengoptimalkan pelaksanaan Combine Assurance (second line of defense).
13. Fokus pada perkembangan Consumer Banking.
14. Fokus pada peningkatan pelayanan kepada nasabah melalui Digital Banking.
15. Melakukan evaluasi dan pemenuhan kewajiban sertifikasi manajemen risiko kepada pejabat MNC Bank.
16. Memastikan penerapan Tata Kelola di seluruh Lembaga Jasa Keuangan yang termasuk dalam Konglomerasi Keuangan PT MNC Kapital Indonesia Tbk.
17. Penilaian sendiri pelaksanaan Tata Kelola di MNC Bank.
1. Implementation of consistent principles of Governance.
2. Fulfillment of the structure and composition of the Board of Commissioners, Directors including committees and work units.
3. Preparation and updating of MNC Bank Policies, Systems and Operational Procedures prepared in accordance with applicable laws.
4. Ensuring the availability of adequate management information systems in accordance with the complexity of MNC Bank’s business.
5. Managing asset quality in supporting the Bank’s performance/profitability.
6. Maintaining the willingness and commitment of the entire organization to implement policies, systems and procedures that apply consistently.
7. Ensuring the timeliness and accuracy of data related to MNC Bank’s financial condition transparency.
8. Commitment in the implementation of consumer protection and handling of customer complaints in accordance with applicable regulations.
9. Completion of Risk Management Policies. 10. Refinement of the Credit Committee Policy and
Establishment of the Problem Asset Management Committee.
11. Improvement of Policies and implementation of AML and CFT.
12. Optimizing the implementation of Combine Assurance (second line of defense).
13. Focusing on the development of Consumer Banking.
14. Focusing on improving service to customers through Digital Banking.
15. Evaluating and fulfilling risk management certification obligations to MNC Bank officials.
16. Ensuring the implementation of Governance in all Financial Service Institutions included in the Financial Conglomerate of PT MNC Kapital Indonesia Tbk.
17. Self-assessment of the implementation of Governance at MNC Bank.
2017
194 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
1. Penerapan prinsip-prinsip Tata Kelola secara konsisten.
2. Pembuatan dan pengkinian Kebijakan, Sistem dan Prosedur Operasional MNC Bank yang disusun sesuai ketentuan undang-undangan.
3. Memastikan ketersediaan sistem informasi manajemen yang memadai sesuai kompleksitas usaha MNC Bank.
4. Mengelola kualitas aset dalam mendukung kinerja/rentabilitas Bank.
5. Menjaga kemauan dan komitmen dari seluruh jajaran organisasi untuk melaksanakan Kebijakan, Sistem dan Prosedur yang berlaku secara konsisten.
6. Memastikan ketersediaan, kelengkapan dan ketepatan waktu serta akurasi data/informasi terkait transparansi kondisi keuangan MNC Bank.
7. Komitmen dalam pelaksanaan perlindungan konsumen dan penanganan pengaduan nasabah sesuai ketentuan yang berlaku.
8. Penyempurnaan Kebijakan Manajemen Risiko Terintegrasi Konglomerasi Keuangan PT MNC Kapital Indonesia Tbk.
9. Pembuatan Kebijakan Strategi Anti Fraud.10. Pembuatan Prosedur Whistle Blowing dan
Investigasi Fraud. 11. Pembuatan Prosedur Penerapan Program APU dan
PPT.12. Pembentukan Komite Pemantau Fraud.13. Penyempurnaan Pedoman Tata Kelola Terintegrasi
Konglomerasi Keuangan PT MNC Kapital Indonesia Tbk.
14. Penyempurnaan Piagam Komite Tata Kelola Terintegrasi Konglomerasi Keuangan PT MNC Kapital Indonesia Tbk.
15. Pembuatan Kebijakan Kepatuhan Terintegrasi Konglomerasi Keuangan PT MNC Kapital Indonesia Tbk.
16. Pembuatan Prosedur Kepatuhan Terintegrasi Konglomerasi Keuangan PT MNC Kapital Indonesia Tbk.
1. Implementation of consistent principles of Governance.
2. Preparation and updating of MNC Bank Policies, Systems and Operational Procedures compiled according to the provisions of the law.
3. Ensuring the availability of adequate management information systems in accordance with the complexity of MNC Bank’s business.
4. Managing asset quality in supporting the Bank’s performance/profitability.
5. Maintaining the willingness and commitment of all levels of the organization to implement policies, systems and procedures that apply consistently.
6. Ensuring the availability, completeness and timeliness and accuracy of data/information related to MNC Bank’s financial condition transparency.
7. Commitment in the implementation of consumer protection and handling of customer complaints in accordance with applicable regulations.
8. Completion of the Integrated Financial Conglomerate Risk Management Policy of PT MNC Kapital Indonesia Tbk.
9. Making Anti-Fraud Strategy Policy. 10. Making Procedures for Whistle Blowing and Fraud
Investigation. 11. Making Procedures for Implementing the AML
and CFT Program. 12. Establishment of the Fraud Monitoring Committee. 13. Completion of the Integrated Governance
Guidelines for the Financial Conglomerate of PT MNC Kapital Indonesia Tbk.
14. Completion of the Charter of the Financial Conglomerate Integrated Governance Committee of PT MNC Kapital Indonesia Tbk.
15. Making Integrated Compliance Policy for Financial Conglomerates of PT MNC Kapital Indonesia Tbk.
16. Preparation of Integrated Financial Conglomerate Compliance Procedure of PT MNC Kapital Indonesia Tbk.
2018
195Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Berdasarkan penilaian pelaksanaan Tata Kelola terhadap aspek Governance Structure, Governance Process, Governance Outcome pada 11 (sebelas) faktor Penilaian Tata Kelola sebagaimana yang tertuang dalam Kertas Kerja Penilaian Sendiri (Self Assessment) Tata Kelola, maka dapat disimpulkan sebagai berikut:
Selama tahun 2018 terdapat pengunduran diri dari beberapa anggota Dewan Komisaris dan Direksi, serta kekosongan keanggotaan komite di MNC Bank dikarenakan adanya pengunduran diri tersebut. Untuk mengatasi hal tesebut maka segera diangkat anggota Dewan Komisaris dan Direksi serta anggota komite-di MNC Bank. Selama tahun 2018 MNC Bank terus berupaya meningkatkan Tata Kelola yang baik dalam setiap kegiatan usaha dan kesadaran akan pentingnya pelaksanaan Tata Kelola dari seluruh jajaran organisasi yang ada. Langkah-langkah perbaikan juga terus dilakukan oleh manajemen antara lain melalui penyesuaian kuantitas dan peningkatan kualitas SDM yang ada, penerapan kebijakan dan prosedur yang konsisten untuk mendukung peningkatan kualitas dan peningkatan budaya kepatuhan, risk awareness serta penerapan budaya kerja yang sesuai dengan visi dan misi Bank.
PEniLAiAn TATA KELOLA PEruSAhAAn yAng BAiK TAhun 2018Mengacu pada ketentuan POJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola Bagi Bank Umum, SEOJK No.13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum, dan SEOJK No.14/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penilaian Tingkat Kesehatan Bank Umum, Bank wajib melakukan penilaian sendiri (self assessment) atas pelaksanaan Tata Kelola.
MNC Bank secara berkala telah melakukan penilaian sendiriterhadap pelaksanaan Tata Kelola yang ada di MNC Bank. Penilaian sendiri adalah bagian dari mekanisme check and balances sistematik untuk menghimpun dan mengolah data yang dapat dipercaya dan akurat untuk dapat digunakan sebagai landasan tindakan manajemen untuk melaksanakan Tata Kelola yang efektif. Pencapaian hasil penilaian sendiri digunakan sebagai referensi untuk menentukan tindakan lebih lanjut dalam rangka memperbaiki pelaksanaan tata kelola.
Aspek Penilaian Sendiri ini meliputi governance structure, governance process dan governance outcome. Hasil Penilaian Sendiri untuk semester I dan II tahun 2018 adalah peringkat 3 (Cukup Baik) dengan definisi peringkat sebagai berikut: Manajemen MNC Bank telah melakukan penerapan prinsip Tata Kelola, yang secara umum dinilai cukup baik. Hal ini tercermin dari pemenuhan yang cukup memadai atas prinsip-prinsip Tata Kelola. Apabila terdapat kelemahan dalam penerapan prinsip Tata Kelola, maka secara umum kelemahan tersebut cukup signifikan dan memerlukan perhatian yang cukup dari manajemen Bank.
Based on the assessment of the implementation of Governance on the aspects of Governance Structure, Governance Process, Governance Outcome on 11 (eleven) Governance Assessment factors as stated in the Self Assessment Working Paper, it can be summarized as follows:
Throughout 2018, some of the Board of Commissioners and Directors members have resigned, and the committee membership was unavailable due to the resignation. To overcome the problem, the new members of the Board of Commissioners and Directors and committee were immediately appointed. During 2018, MNC Bank strived to develop Good Coprorate Governance in every business activity and develop the importance of GCG implementation on every existing organizational level. Management made improvement leaps through quantity adjustment and improvement of HR quality, implementation of consistent policy and procedure to support quality and compliance culture improvement, risk awareness and implementation of work culture that suits to the Bank’s vision and missions.
GcG Assesment in 2018
Pursuant to POJK No.55 /POJK.03/2016 concerning the Implementation of Governance for Commercial Banks, SEOJK No.13/SEOJK.03/2017 concerning Implementation of Governance for Commercial Banks, and SEOJK No.14/SEOJK.03/2017 on March 17, 2017 concerning the Evaluation of the Soundness of Commercial Banks, Banks are required to conduct self-assessment on the implementation of Governance.
MNC Bank has regularly conducted its own assessment of the implementation of Governance at the MNC Bank. Self-assessment is part of a systematic check and balances mechanism to collect and process reliable and accurate data used as a basis for management’s actions to implement effective Governance. Achieving the results of the assessment is used as a reference to determine further actions in order to improve the implementation of governance.
This aspect of self-assessment includes governance structure, governance process and governance outcome. The results of the Self-Assessment for semester I and II of 2018 are ranked 3 (Sufficiently Good) with the ranking definition as follows: MNC Bank Management has implemented the principles of Governance, which are generally considered to be quite good. This is reflected in the fulfillment of sufficiently adequate principles of Governance. If there are weaknesses in applying the principles of Governance, generally, these weaknesses are quite significant and require sufficient attention from the management of the Bank.
pelaksanaan tata kelola perusahaan yang BaIk tahun 2018Implementation of GCG in 2018
196 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
rEnCAnA PEningKATAn TATA KELOLA PEruSAhAAn yAng BAiK TAhun 2019 Dalam rangka mendukung perkembangan bisnis Bank, pada tahun 2019 Compliance Group akan fokus pada beberapa hal yaitu:1. Peningkatan kualitas dalam penerapan Tata Kelola dan
Manajemen Risiko di Bank. 2. Sebagai Entitas Utama, Bank juga akan meningkatkan
kualitas dalam penerapan Tata Kelola dan Manajemen Risiko Terintegrasi.
3. Peningkatan pengendalian internal. 4. Peningkatan budaya kepatuhan di setiap jenjang
organisasi. 5. Peningkatan penerapan prinsip Anti Pencucian Uang dan
Pencegahan Pendanaan Terorisme (APU-PPT), termasuk di dalamnya pengembangan pada sistem AML Solution.
6. Review dan pengkinian terhadap kebijakan dan prosedur internal.
7. Pemenuhan posisi-posisi yang strategis dan peningkatan kualitas Sumber Daya Manusia yang berkelanjutan.
Target Compliance Group pada tahun 2019 adalah: 1. Unit kerja Kepatuhan turut serta memberikan independent
review yang efektif, independen dan objektif terhadap kebijakan dan prosedur yang diusulkan.
2. Melakukan upaya peningkatan ketaatan dan kepatuhan SDM terhadap peraturan dan ketentuan yang berlaku, antara lain dengan membuat ringkasan terhadap peraturan/ketentuan yang baru untuk diinformasikan kepada seluruh karyawan.
3. Melakukan pemantauan terhadap pelaksanaan kebijakan, peraturan, dan ketentuan Bank, serta mengingatkan unit terkait apabila terjadi ketidakpatuhan.
4. Memastikan pelaksanaan Program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT), termasuk juga memberikan pelatihan kepada karyawan.
5. Memastikan penetapan limit oleh Bank telah sesuai dengan ketentuan yang berlaku, seperti monitoring BMPK, NPL, PDN, KPMM, dan GWM.
STruKTur TATA KELOLA PEruSAhAAn yAng BAiKBerdasarkan UUPT dan POJK No. 32/POJK.04/2014 tanggal 8 Desember 2014 sebagaimana diubah dengan POJK No. 10/POJK.04/2017 tentang Rencana dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka, Organ Perseroan telah terdiri dari Rapat Umum Pemegang Saham (RUPS), Dewan Komisaris dan Direksi.
GooD corPorAte GoVernAnce imProVement PlAn in 2019 In order to support the Bank’s business development, in 2019, Compliance Group will focus on several matters, namely: 1. Quality improvement in Good Corporate Governanve
and Risk Management of the Bank.2. As the Main Entity, the Bank will also improve quality
of Good Corporate Governance and Integrated Risk Management implementation.
3. Internal Control Improvement.4. Compliance culture improvement in every organizational
level. 5. Anti Money Laundering and Prevention of Terrorism
Funding improvement (APU-PPT), including improvement on AML Solution system.
6. Review and update on internal policy and procedure
7. Fullfillment of strategic positions and improvement of quality of continuous HR.
The targets of Compliance Group in 2019 are as follows:1. Compliance Work Unit has involber giving effective
independent review, independent and objective on proposed policy and procedures.
2. Carrying out increasing compliance of HR with applicable rules and regulations, among others, by summarizing new regulations / provisions to be informed to all employees.
3. Carrying out the review on the Bank’s policies, regulations, and provisions, as well as reminding relevant units in the event of non-compliance.
4. Assuring that the implementation if Anti Money Laundering (APU) and Prevention of Terrorism Funding (PPT), including distribution of trainings to employees.
5. that limit determination by the Bank has been aligned with the applicable provisions, such as monitoring of BMPK, NPL, PDN, KPMM, and GWM.
strUctUre of GooD corPorAte GoVernAnce Based on UUPT and POJK No. 32/POJK.04/2014 dated December 8, 2014, as changed into POJK No. 10/POJK.04/2017 concerning Plans and Implementation of Public Meeting of Shareholders of Public Companies, the Company’s Organ consists of General Meeting of Shareholders (GMS), the Board of Commissioners and Directors.
197Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
MNC Bank menganut sistem dua badan (two tier system), yaitu Dewan Komisaris dan Direksi, yang memiliki wewenang dan tanggung jawab yang jelas sesuai fungsinya masing-masing sebagaimana diamanahkan dalam Anggaran Dasar dan peraturan perundang-undangan. Namun demikian, keduanya mempunyai tanggung jawab untuk memelihara kesinambungan usaha MNC Bank dalam jangka panjang. Oleh karena itu, Dewan Komisaris dan Direksi harus memiliki kesamaan persepsi terhadap visi, misi dan nilai-nilai MNC Bank.
Dewan Komisaris memiliki tugas untuk melaksanakan pengawasan atas fungsi pengelolaan Perseroan oleh Direksi. Guna memenuhi peraturan di bidang pasar modal dan mendukung fungsi pengawasan yang efektif dan efisien, Dewan Komisaris didukung oleh fungsi atau komite yang bekerja secara independen dan bertanggung jawab langsung kepada Dewan Komisaris yaitu Komite Audit,Komite Nominasi dan Remunerasi serta Komite Pemantau Risiko.
Direksi, bertanggung jawab atas pengelolaan MNC Bank. Direksi didukung oleh struktur manajemen yang efisien dan efektif. Direksi juga dibantu oleh Komite komite dan fungsi yang bertanggung jawab kepada Direksi.
MNC Bank applies two tier system, such as the Board of Commissioners and Directors that have definite authorities and responsibilities according to each function as delegated in articles of Association and legislations. However, both of them are responsible for a continuous maintenance of MNC Bank’s long-term business. Therefore, the Board of Commissioners and Directors must have reciprocal perceptions on vision, missions, and values of MNC Bank.
The Board of Commissioners is assigned to monitor the Company’s management function run by the Board of Directors. In order to fulfill regulations in stock market and support effective and efficient monitoring function, the Board of Commissioners is supported by Audit Committee, Nomination and Remuneration Committee, and Risk Monitoring Committee that work independently and have direct responsibility to the Board of Commissioners.
The Board of Directors is responsible for MNC Bank management. Directors is supported by effective and efficient management structure and committees and functions that are responsible to Directors.
198 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
rapat uMuMpemegang SahamGeneral Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) adalah organ MNC Bank yang memegang segala kewenangan yang tidak dapat didelegasikan atau diserahkan kepada Direksi dan Dewan Komisaris.
RUPS merupakan wadah para pemegang saham untuk mengambil keputusan penting berkaitan dengan hal-hal strategis MNC Bank sesuai dengan batasan kewenangan yang diatur dalam ketentuan Anggaran Dasar dan Undangundang Perseroan Terbatas.
Selain sebagai wadah bagi para pemegang saham, RUPS juga berfungsi sebagai forum pertanggungjawaban kepengurusan Direksi dan Komisaris atas hasil kinerjanya dalam kurun waktu yang telah ditentukan.
RUPS MNC Bank terdiri dari RUPS Tahunan (RUPST) yang di selenggarakan 1 (satu) kali setiap tahun dan RUPS Luar Biasa (RUPSLB) yang dapat diadakan sewaktu-waktu berdasarkan kebutuhan. Baik RUPST maupun RUPSLB memiliki kewenangan tertinggi dalam struktur tata kelola Bank.
Dasar hukum mekanisme penyelenggaraan RUPS MNC Bank mengacu pada:1. Undang-undang No. 40 Tahun 2007 tentang Perseroan
Terbatas.2. Peraturan Otoritas Jasa Keuangan (OJK) No. 32/
POJK.04/2014 tanggal 8 Desember 2014 tentang Rencana dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka dan Peraturan OJK No. 10/POJK.04/2017 tanggal 14 Maret 2017 tentang Perubahan atas Peraturan OJK No. 32/POJK.04/2014.
3. Anggaran Dasar Bank.
hAK, wEwEnAng dAn TAnggung jAwAB PEMEgAng SAhAMSesuai dengan Anggaran Dasar, RUPS mempunyai kewenangan untuk memutuskan hal-hal berikut: 1. Menyetujui laporan tahunan yang disampaikan oleh
Direksi, laporan pengawasan Dewan Komisaris dan mengesahkan Laporan Keuangan audit MNC Bank diakhir tahun berjalan.
2. Menyetujui penggunaan laba bersih MNC Bank termasuk persetujuan pemberian dividen sesuai dengan ketentuan perundang-undangan yang berlaku.
3. Penunjukan Akuntan Publik yang terdaftar di Badan Pengawas Pasar Modal dan Lembaga Keuangan, Bank Indonesia untuk keperluan pemeriksaan tahun buku berjalan serta penetapan jumlah honorarium dan persyaratan penunjukkan lainnya.
4. Pengangkatan dan/ atau pemberhentian Direksi dan/ atau Dewan Komisaris.
5. Menyetujui perubahan dan pengesahan Anggaran Dasar MNC Bank.
The General Meeting of Shareholders (GMS) is an MNC Bank organ that holds all authority that cannot be delegated or submitted to the Board of Directors and Board of Commissioners.
The GMS is a forum for shareholders to make important decisions related to MNC Bank’s strategic matters in accordance with the authority limits stipulated in the provisions of the Articles of Association and the Law of Limited Liability Companies.
Aside from being a forum for shareholders, the GMS also functions as a forum for the management of the Directors and Commissioners for the results of their performance within a predetermined period of time.
MNC Bank’s GMS consists of Annual GMS (AGMS) that is held once a year and Extraordinary GMS (EGMS) that is held whenever needed. Either AGMS or EGMS has the highest authority in the Bank’s GCG structure.
The legal basis for the implementation mechanism of the MNC Bank GMS refers to:1. Law No. 40 of 2007 concerning Limited liability
company.2. Regulation of the Financial Services Authority (OJK) No.
32/POJK.04/2014 dated December 8, 2014 concerning Plans and Implementation of General Meetings Public Company Shareholders and OJK Regulation No.10/POJK.04/2017 dated March 14, 2017 concerning Amendments to OJK Regulations No. 32/POJK.04/2014.
3. The Bank’s Articles of Association.
riGhts, AUthorities AnD resPonsiBilities of shAreholDersIn accordance with Articles of Association, GMS has authorities to determines matters such as: 1. Approving annual report delivered by Directors,
monitoring report of the Board of Commissioners and ratifying Audit Financial report of MNC Bank at the end of the current year.
2. Approving the use of net income of MNC Bank, including the approval of dividend distribution in accordance with applicable laws and regulations.
3. The appointment of Public Accounting Firm that is registered in Capital Market and Financial Institution Supervisory Agency, Bank Indonesia for the purposes of auditing the current fiscal year and determining the amount of honorarium and other appointment requirements.
4. The appointment and/or dismissal of Directors and/or the Board of Commissioners.
5. Approving change and ratification of Articles of Association of MNC Bank.
199Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Selain itu, pemegang saham secara setara juga memiliki hak sebagai berikut:1. Meminta pengadaan RUPS apabila memenuhi syarat-
syarat sebagaimana ditentukan. 2. Mengajukan usul mata acara RUPS sesuai dengan
peraturan perundang-undangan. 3. Memperoleh seluruh bahan dan materi RUPS yang
tersedia di kantor MNC Bank sejak tanggal pemanggilan RUPS.
4. Menerima informasi mengenai Tata Tertib RUPS termasuk prosedur.
5. Berpartisipasi aktif dalam RUPS dan memberikan suara secara bertanggung jawab.
6. Risalah RUPS tersedia di kantor MNC Bank dan MNC Bank menyediakan fasilitas agar pemegang saham dapat membaca risalah tersebut.
7. Menerima dividen saham dengan syarat dan ketentuan sesuai dengan keputusan RUPS.
Secara rinci, hak, wewenang, dan tanggung jawab pemegang saham diatur dalam Anggaran Dasar MNC Bank yang dapat diakses melalui situs webBank (www.mncbank.co.id).
MEKAniSME PEnyELEnggArAAn ruPSSelama tahun 2018 MNC Bank telah menyelenggarakan 1 (satu) kali RUPS Tahunan dan 3 (tiga) kali RUPS Luar Biasa. RUPST diselenggarakan pada tanggal 31 Mei 2018 dan RUPSLB diselenggarakan pada tanggal 31 Mei 2018, 23 September 2018 dan 13 Desember 2018, dimana seluruh kegiatan tersebut diselenggarakan di INews Tower Lantai 3, Jalan Kebon Sirih No. 17-19 Jakarta.
MNC Bank menyelenggarakan RUPST dan RUPSLB Tahun 2018 sesuai mekanisme yang tercantum dalam ketentuan Anggaran Dasar MNC Bank dan POJK No. 32/POJK.04/2014 tanggal 8 Desember 2014 tentang Rencana dan Penyelenggaraan Rapat Umum Pemegang Saham Perusahaan Terbuka serta sebagaimana telah diubah dengan POJK No.10/POJK.04/2017 tanggal 14 Maret 2017.
PELAKSAnAAn ruPS TAhunAn 2018 & ruPS LuAr BiASAProses penyelenggaraan RUPS Tahunan dan Luar Biasa 31 Mei 2018 sebagai berikut:
In addition, shareholders are equally given rights as follows:
1. Requesting the procurement of GMS if fulfilling predetermined terms and conditions.
2. Proposing the proposal for the agenda of the GMS in accordance with the laws and regulations.
3. Obtaining all GMS materials available at MNC Bank office since date of calling of the GMS.
4. Receiving information concerning GMS Code of Conduct including procedures.
5. Actively participating in GMS and providing voting rights responsibly.
6. Minutes of GMS are available at MNC Bank offices and MNC Bank provides facilities so that shareholders can read the minutes.
7. Receiving stock dividends with terms and conditions in accordance with the resolutions of the GMS.
In detail, rights, authorities and responsibilitis of shareholders are regulated in Articles of Association of MNC Bank that can be accessed on the Bank’s webstite (www.mncbank.co.id).
mechAnism of Gms mAnAGementDuring 2018, MNC Bank has managed 1 (one) time of Annual GMS and 3 (three) times of Extraordinary GMS. AGMS was managed on May 31, 2018 and EGMS was held on May 31, 2018, September 23, 2018 and December 13, 2018, in which all activities were held at INews Tower Lantai 3, Kebon Sirih Street No. 17-19 Jakarta.
MNC Bank managed AGMS and EGMS in 2018, according to what is listed in Articles of Association of MNC Bank and POJK No. 32/POJK.04/2014 dated December 8, 2014 concerning Plans and Implementation of General MeetingsShareholders of the Public Company and as amended by POJK No. 10 /POJK.04 / 2017 March 14, 2017.
imPlementAtion of 2018 AnnUAl Gms & eXtrAorDinAry GmsThe process of holding the Annual and Extraordinary GMS May 31, 2018 is as follows:
Tanggal & WaktuTime & Date
31 Mei 2018 Pukul 11.11 s/d 12.12 WIBMay 31, 2018 at 11.11 until 12.12 WIB
TempatLocation
INews Tower Lantai 3Jl. Kebon Sirih No. 17-19 Jakarta
200 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
KuorumQuorum
RUPST dan RUPSLB dihadiri oleh pemegang saham dan/atau kuasanya yang mewakili 18.306.468.997saham atau 85,10% dari jumlah seluruh saham yang memiliki hak suara yang sah yang telah dikeluarkan Perseroan yaitu sejumlah 21.511.473.347.
The AGMS and EGMS are attended by shareholders and / or their proxies representing 18,306,468,997 shares or 85.10% of the total shares that have valid voting rights issued by the Company, amounting to 21,511,473,347.
Pimpinan RUPSTLeader of AGMS
Eko B. Supriyanto (Presiden Komisaris Independen/Independent President Commissioner)
Pimpinan RUPSLBLeader of EGMS
Widiatama Bunarto (Direktur/Director)
Kehadiran Anggota Dewan Komisaris RUPSTAttendance of AGMS Board of Commissioners Members
Eko B. Supriyanto (Presiden Komisaris Independen/Independent President Commissioner)Rusli Witjahjono (Komisaris Independen/Independent Commissioner)
Kehadiran Anggota Direksi RUPST dan RUPSLBAttendance of Members of the Board of Directors of the AGMS and EGMS
Widiatama Bunarto (Direktur Operasional & Teknologi/Operational & Technology Director)Chisca Mirawati (Direktur Kepatuhan/Compliance Director)
Pihak Independen Penghitung Suara Independent Counter Voice Counter
Aulia Taufani, S.H selaku NotarisAulia Taufani, S.H as a Notary
PT BSR Indonesia selaku Biro Administrasi EfekPT BSR Indonesia selaku Biro Administrasi Efek
Tahap Pelaksanaan RUPS Tahunan 2018 dan RUPS Luar Biasa2018 Annual and Extraordinary gMS implementation phase
KeteranganDescription
PelaksanaanImplementation
Pemberitahuan rencana RUPS kepada RegulatorNotification of RUPS plan to Regulator
Pemberitahuan rencana RUPS kepada Otoritas Jasa Keuangan (OJK) dan Bursa Efek Indonesia (BEI) pada tanggal 17 April 2018
Notification of the GMS plan to the Financial Services Authority (OJK) and the Indonesia Stock Exchange (BEI) on April 17, 2018
Pengumuman RUPS Tahunan dan Luar BiasaAnnouncement of Annual and Extraordinary GMS
Diumumkan di surat kabar harian Sindo tanggal 24 April 2018Bukti Iklan disampaikan kepada OJK (hardcopy dan e-Reporting SPE OJK) dan BEI (e-reporting IDXNet) pada hari yang sama.Diunggah pada situs web Bank www.mncbank.co.id di hari yang sama
Announced in the daily newspaper Sindo on April 24, 2018Proof of Advertisements submitted to OJK (hardcopy and e-Reporting SPE OJK) and BEI (e-reporting IDXNet) on the same day.Uploaded on the Bank’s website www.mncbank.co.id on the same day
Recording Date Daftar Pemegang Sahamyang berhak hadir dalam RUPS Tahunan dan RUPS Luar BiasaRecording the Date of Register of Shareholders those who are entitled to attend the Annual GMS and Extraordinary GMS
1 (satu) hari kerja sebelum pemanggilanRUPST yaitu tanggal 8 Mei 2018.1 (one) working day before the call ofThe AGMS is dated May 8, 2018.
Pangilan RUPS Tahunan dan Luar BiasaCall for Annual and Extraordinary GMS
1. Diumumkan di surat kabar harian Sindo tanggal 9 Mei 2018 2. Bukti Iklan disampaikan kepada OJK (hardcopy dan e-Reporting SPE OJK) dan BEI
(e-reporting IDXNet) pada hari yang sama. 3. Diunggah pada situs web Bank www.mncbank.co.id di hari yang sama
1. Announced in the daily newspaper Sindo on May 9, 20182. Proof of Advertisements submitted to OJK (hardcopy and e-Reporting SPE OJK) and BEI
(e-reporting IDXNet) on the same day.3. Uploaded on the Bank’s website www.mncbank.co.id on the same day
Pelaksanaan RUPS Tahunan dan Luar BiasaImplementation of AGMS and EGMS
31 Mei 2018May 31, 2018
201Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
MEKAniSME PEngAMBiLAn KEPuTuSAnMekanisme pengambilan keputusan dalam Rapat dilakukan secara musyawarah untuk mufakat. Namun apabila musyawarah untuk mufakat tidak tercapai, maka pengambilan keputusan dalam Rapat dilakukan dengan cara pemungutan suara. Pengungkapan prosedur pemungutan dan perhitungan suara pada RUPST dan RUPSLB telah secara lengkap dituangkan dalam Tata Tertib Rapat dibacakan sebelum RUPST dan RUPSLB dimulai.
mechAnism of Decision mAkinGMechanism of decision making in the Meeting is carried out through deliberation to reach consensus. However, if the deliberation is not achieved, so decision making in the Meeting is carried out through voting. Disclosure of the collection and vote counting procedures at the AGMS and EGMS has been fully stated in the Meeting Rules read before the AGMS and EGMS begin.
KeteranganDescription
PelaksanaanImplementation
Ringkasan Risalah RUPS Tahunan dan Luar BiasaSummary of Annual and Extraordinary GMS Minutes
Diumumkan di surat kabar harian Sindo tanggal 5 Juni 2018Laporan Hasil Keputusan dan bukti iklan Ringkasan Risalah (Hasil) RUPST disampaikan ke OJK (hardcopy dan e-Reporting SPE OJK) dan BEI (e-Reporting IDXNet) tanggal 5 Juni 2018 Pokok-pokok keputusan RUPST diunggah pada situs web Bank: www.mncbank.co.id tanggal 5 Juni 2018.
Announced in the daily newspaper Sindo on June 5, 2018Decision Report and advertising evidence Summary of Minutes (Results) of AGMS submitted to OJK (hardcopy and e-Reporting SPE OJK) and IDX (e-Reporting IDXNet) on June 5, 2018 The points of decision of the AGMS are uploaded on the Bank’s website: www.mncbank.co.id dated June 5, 2018.
Risalah RUPS Tahunan dan Luar BiasaMinutes of Annual and Extraordinary GMS
Disampaikan ke OJK pada tanggal 29 Juni 2018Submitted to OJK on June 29, 2018
KEPuTuSAn dAn rEALiSASi hASiL ruPS TAhunAn 2018
Decision AnD reAliZAtion of 2018 AnnUAl Gms resUlts
Agenda 1 Realisasi Realization
Laporan Tahunan Direksi Perseroan dan Laporan Tugas Pengawasan Dewan Komisaris untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2017Annual Report of the Company’s Board of Directors and Monitoring Duties Report of the Board of Commissioner of Fiscal Year ending on December 31, 2017
KEPUTUSAN :Menyetujui dan menerima baik Laporan Tahunan Direksi Perseroan termasuk Laporan Dewan Komisaris Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2017.
DECISION:Approving and accepting both the Annual Report of the Board of Directors of the Company including the Company’s Board of Commissioners Report for the Fiscal Year ending on 31 December 2017.
Telah direalisasikan pada tahun 2018Has been realized in 2018
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.301.988.997 saham atau 99,976%18.301.988.997 shares or 99,976%
4.480.000 saham atau 0,024%4.480.000 shares or 0,024%
0 Saham atau 0%0 shares or 0%
Total suara mayoritas dan suara setuju: 18.301.988.997 saham atau 99,976%Total majority of votes and agreeing votes: 18.301.988.997 shares or 99.976%
202 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Agenda 2 RealisasiRealization
Persetujuan dan Pengesahan Laporan Keuangan Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2017, serta memberikan pembebasan tanggung jawab sepenuhnya kepada Dewan Komisaris dan Direksi atas tindakan pengawasan dan pengurusan yang mereka lakukan dalam Tahun buku yang berakhir pada tanggal 31 Desember 2017 (acquit et de charge).
Approval and Ratification of the Company’s Financial Statements for the Book Year ending in December 31, 2017, and gives full release of responsibility to The Board of Commissioners and Directors for the supervision and management actions they carry out in The fiscal year ending on December 31, 2017 (acquit et de charge)
KEPUTUSAN : Menyetujui dan mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku yang berakhir pada tanggal 31 Desember 2017, serta memberikan pembebasan tanggung jawab sepenuhnya kepada Dewan Komisaris dan Direksi Perseroan atas tindakan pengawasan dan pengurusan yang mereka lakukan dalam Tahun Buku yang berakhir pada tanggal 31 Desember 2017 (acquit et de charge), sejauh tindakan tersebut tercermin dalam Laporan Tahunan dan Laporan Keuangan Perseroan tahun 2017.
DECISION: Approving and ratifying the Company’s Financial Statements for the Book Year ending on December 31, 2017, and gives full release of responsibility to The Board of Commissioners and Directors of the Company for their supervisory and management actions do in the Fiscal Year ending December 31, 2017 (acquit et de charge), to the extent of these actions are reflected in the 2017 Annual Report and Financial Statements of the Company.
Telah direalisasikan pada tahun 2018Has been realized in 2018
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.301.988.997 saham atau 99,976%18.301.988.997 shares or 99,976%
4.480.000 saham atau 0,024%4.480.000 shares or 0,024%
0 Saham atau 0%0 Shares or 0%
Total suara mayoritas dan suara setuju : 18.301.988.997 saham atau 99,976%The total majority of votes and votes agreed: 18,301,988,997 shares or 99.976%
Agenda 3 RealisasiRealization
Menyetujui untuk memberikan kuasa dan wewenang kepada Dewan Komisaris untuk menunjuk Akuntan Publik Independen untuk mengaudit buku- buku Perseroan untuk Tahun Buku yang akan berakhir pada tanggal 31 Desember 2018 dan untuk menetapkan honorarium Akuntan Publik Independen tersebut serta persyaratan lain penunjukannya
Approving to grant power and authority to the Board of Commissioners to appoint an Independent Public Accountant to audit the Company’s books for the fiscal year ending on December 31, 2018 and to determine the honorarium of the Independent Public Accountant
KEPUTUSAN :Menyetujui untuk memberikan kuasa dan wewenang kepada Dewan Komisaris untuk menunjuk AkuntanPublik Independen untuk mengaudit buku- buku Perseroan untuk Tahun Buku yang akan berakhir padatanggal 31 Desember 2018 dan untuk menetapkan honorarium Akuntan Publik Independen tersebutserta persyaratan lain penunjukannya
DECISION:Approving to give authorities to the Board of Commissioners to appoint Independent Public Accountant to audit the Company’s books for Fiscal Year ending on December 31, 2018, and to stipulate honorarium of the Independent Public Accountant and other regulation of the appointment.
Telah direalisasikan pada tahun 2018Has been realized in 2018
203Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Agenda 4 RealisasiRealization
Perubahan susunan Pengurus Perseroan.
Changes in the composition of the Company’s Management.
KEPUTUSAN/DECISIONS:1. Memberikan penghargaan kepada segenap anggota Dewan Komisaris Perseroan yang telah berakhir masa
jabatannya terhitung sejak ditutupnya Rapat ini, dengan ucapan terima kasih atas segala jasa dan pengabdian kepada Perseroan selama masa jabatannya.
Giving awards to all members of the Company’s Board of Commissioners whose term of office have expired as of the closing of this Meeting, with gratitude for all services and services to the Company during their tenure.
2. Menyetujui dan menerima dengan baik pengunduran diri:a. Bapak Eko Budi Supriyanto dari jabatannya selaku Presiden Komisaris Perseroan yang berlakuefektif terhitung
sejak ditutupnya Rapat ini;b. Bapak Benny Purnomo dari jabatanya selaku Presiden Direktur Perseroan yang berlaku efektifterhitung sejak
tanggal sejak ditutupnya Rapat ini;c. Ibu Nerfita Primasari dari jabatanya selaku Direktur Perseroan yang berlaku efektif terhitungsejak tanggal 16
Mei 2018; dand. Bapak Widiatama Bunarto dari jabatannya selaku Direktur Perseroan yang berlaku efektifterhitung sejak
tanggal 28 Agustus 2018; disertai dengan ucapan terima kasih dan memberikan penghargaan setinggi- tingginya atas pengabdian dan jasa jasanya kepada Perseroan selama masa baktinya.
Approving and accepting the resignation of:
a. Mr. Eko Budi Supriyanto from his position as the applicable President Commissioner of the Company effective as of the closing of this Meeting;
b. Mr. Benny Purnomo from his office as the President Director of the Company which is effective as from the date of the closing of this Meeting;
c. Ms. Nerfita Primasari from her position as the effective Director of the Company is counted since May 16, 2018; and
d. Mr. Widiatama Bunarto from his position as Director of the Company which is effective as of August 28, 2018; accompanied by gratitude and giving the highest appreciation for service and services to the Company during its tenure.
3. Mengangkat kembali Bapak Purnadi Harjono sebagai Komisaris Perseroan dan terkait pengunduran diri beliau akan diputuskan dalam Rapat Umum Pemegang Saham yang akan diselenggarakan setelah Rapat Umum Pemegang Saham Luar Biasa yang diadakan pada hari ini.
Reappointing Mr. Purnadi Harjono as Commissioner of the Company and his resignation will be decided at the General Meeting of Shareholders which will be held after the Extraordinary General Meeting of Shareholders held today.
4. Menegaskan kembali pengunduran diri Bapak Benny Helman dari jabatannya selaku Direktur Perseroan berlaku efektif terhitung sejak tanggal 11 Desember 2017.
Reaffirming the resignation of Mr. Benny Helman from his position as Director of the Company effective starting from 11 December 2017
Telah direalisasikan pada tahun 2018
Has been realized in 2018
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.301.988.997 saham atau 99,976%18.301.988.997 shares or 99,976%
4.480.000 saham atau 0,024%4.480.000 shares or 0,024%
0 Saham atau 0%0 Shares or 0%
Total suara mayoritas dan suara setuju: 18.301.988.997 saham atau 99,976%The total majority of votes and votes agreed: 18,301,988,997 shares or 99.976%
204 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Agenda 4 RealisasiRealization
5. Menyetujui pengangkatan Bapak Ponky Nayarana Pudijanto sebagai Presiden Komisaris (merangkap Komisaris Independen) Perseroan yang baru, Bapak Peter Fajar sebagai Komisaris Perseroan yang baru dan Ibu Jeny Gono sebagai Komisaris Independen Perseroan yang baru,terhitung akan berlaku efektif sejak tanggal yan ditetapkan dalam surat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat Otoritas Jasa Keuangan dimaksud, sampai dengan penutupan RUPS Tahunan Perseroan yang diselenggarakan pada tahun 2021, apabila persyaratan yang ditetapkan oleh Otoritas Jasa Keuanga sehubungan dengan pengangkatan seluruh atau salah satu anggota
Dewan Komisaris yang baru tersebut tidak terpenuhi atau Otoritas Jasa Keuangan tidak memberikan
persetujuannya, maka pengangkatan terhadap calon anggota Dewan Komisaris tersebut menjadi batal dengan sendirinya tanpa diperlukan persetujuan Rapat Umum Pemegang Saham.
Approving the appointment of Mr. Ponky Nayarana Pudijanto as the new President Commissioner (concurrently Independent Commissioner), Mr. Peter Fajar as the new Commissioner of the Company and Ms. Jeny Gono as the new Independent Commissioner of the Company. All of them effectively served from the date stated in the approval letter from the Authority Financial Services for the Capability and Compliance Assessment and / or fulfillment of the requirements stipulated in the Financial Services Authority letter, up to the closing of the Company’s Annual GMS held in 2021. If the requirements set by the Financial Services Authority are in connection with the appointment of all or one of the Board members The new Commissioner is not fulfilled or the Financial Services Authority does not give its approval, so the appointment of candidates for the Board of Commissioners members becomes null and void without the approval of the General Meeting of Shareholders.
6. Menyetujui pengangkatan Bapak Ageng Purwanto sebagai Presiden Direktur Perseroan yang baru,dan Ibu Rita Montagna Siahaan sebagai Direktur yang baru dengan masa jabatan yang akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat Otoritas Jasa Keuangan dimaksud, sampai dengan penutupan RUPS Tahunan Perseroan yang diselenggarakan pada tahun 2020, apabila persyaratan yang ditetapkan oleh Otoritas Jasa Keuangan sehubungan dengan pengangkatan Bapak Ageng Purwanto dan Ibu Rita Montagna Siahaan tidak terpenuhi atau Otoritas Jasa Keuangan tidak memberikan persetujuannya, maka pengangkatan tersebut menjadi batal dengan sendirinya tanpa diperlukan persetujuan Rapat Umum Pemegang Saham.
Approving the appointment of Mr. Ageng Purwanto as the new President Director of the Company, and Ms. Rita Montagna Siahaan as the new Director with a term of office that will be effective as of the date stipulated in the Financial Services Authority’s approval letter on Capability and Compliance Assessment and / or fulfillment of requirements stipulated in the said Financial Services Authority letter, until the closing of the Company’s Annual GMS held in 2020. If the requirements set by the Financial Services Authority in connection with the appointment of Mr. Ageng Purwanto and Ms. Rita Montagna Siahaan are not met or the Financial Services Authority does not give its approval, then the appointment will be canceled automatically without the need for approval of the General Meeting of Shareholders.
Sehingga dengan demikian terhitung sejak ditutupnya Rapat, susunan anggota Dewan Komisarisdan Direksi Perseroan adalah sebagai berikut:
DEWAN KOMISARIS Komisaris: Bapak Purnadi Harjono
DIREKSI Direktur Independen: Bapak Widiatama Bunarto Direktur membawahkan fungsi kepatuhan: Ibu Chisca Mirawati
Terhitung sejak diperolehnya persetujuan dan/atau terpenuhinya persyaratan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan atas pengangkatan Bapak Ponky Nayarana Pudijanto, Bapak Peter Fajar, Ibu Jeny Gono, Bapak Ageng Purwanto dan Ibu Rita Montagna Siahaan dan/ atau efektifnya pengunduran diri Bapak Widiatama Bunarto, susunan selengkapnya anggota Dewan Komisaris dan Direksi Perseroan adalah sebagai berikut:
205Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Agenda 4 RealisasiRealization
DEWAN KOMISARIS Presiden Komisaris Independen: Bapak Ponky Nayarana Pudijanto Komisaris: Bapak Purnadi Harjono Komisaris: Bapak Peter Fajar Komisaris Independen: Ibu Jeny Gono
DIREKSI Presiden Direktur: Bapak Ageng Purwanto Direktur membawahkan fungsi kepatuhan: Ibu Chisca Mirawati Direktur: Ibu Rita Montagna Siahaan
As of the closing of the Meeting, the composition of the members of the Board of Commissioners is calculated and the Directors of the Company are as follows:
BOARD OF COMMISSIONERS Commissioner: Mr. Purnadi Harjono
BOARD OF DIRECTORS Independent Director: Mr Widiatama Bunarto The director directs the compliance function: Ms. Chisca Mirawati
Since the approval and / or fulfillment of the requirements of the Capability Assessment obtained and the compliance of the Financial Services Authority for the appointment of Mr. Ponky Nayarana Pudijanto, Mr. Peter Fajar, Mrs. Jeny Gono, Mr. Ageng Purwanto and Ms. Rita Montagna Siahaan and / or the effective resignation of Mr. Widiatama Bunarto, the full composition of the Board members The Company’s Commissioners and Directors are as follows:
BOARD OF COMMISSIONERS Independent President Commissioner: Mr. Ponky Nayarana Pudijanto Commissioner: Mr. Purnadi Harjono Commissioner: Mr. Peter Fajar Independent Commissioner: Mrs. Jeny Gono
BOARD OF DIRECTORS President Director: Mr Ageng Purwanto The director directs the compliance function: Ms. Chisca Mirawati Director: Mrs. Rita Montagna Siahaan
7. Memberikan wewenang kepada Komite Nominasi dan Remunerasi Perseroan untuk menetapkan gaji dan tunjangan bagi anggota Dewan Komisaris dan Direksi Perseroan yang baru diangkat sehubungan dengan pengangkatannya.
Giving authority to the Nomination Committee and Remuneration of the Company to determine salaries and benefits for newly appointed members of the Board of Commissioners and Directors of the Company in connection with their appointment.
8. Memberikan kuasa dan wewenang dengan hak substitusi kepada Direksi Perseroan untuk melakukan segala tindakan sehubungan dengan perubahan susunan Direksi Perseroan tersebut di atas, termasuk tetapi tidak terbatas pada untuk membuat atau meminta untuk dibuatkan serta menandatangani segala akta yang berkaitan dengan itu dan untuk mendaftarkan susunan anggota Dewan Komisaris dan Direksi Perseroan dalam Daftar Perusahaan sesuai dengan ketentuan Undang- Undang Nomor 3 Tahun 1982 tentang Wajib Daftar Perusahaan.
Giving the power and authority with the right of substitution to the Directors of the Company to take all actions in connection with changes in the composition of the Board of Directors, including but not limited to making or requesting to make and sign any deeds related to it and to register the Board of Commissioners and the Board of Directors of the Company in the Company Register in accordance with the provisions of Law Number 3 of 1982 concerning Obligatory Registration of Companies.
206 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.306.468.997 saham atau 100,00%18,306,468,997 shares or 100.00%
0 saham atau 0%0 shares or 0%
0 Saham atau 0%0 shares or 0%
Total suara mayoritas dan suara setuju : 18.306.468.997 saham atau 100,00%The total majority of votes and votes agreed: 18,306,468,997 shares or 100.00%
Agenda 2 RealisasiRealization
Penegasan kembali pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris Perseroan tentang pelaksanaan Management and Employee Stock Option Program (MESOP) sebanyak- banyaknya sebesar 286.943.446 (dua ratus delapan puluh enam juta sembilan ratus empat puluh tiga ribu empat ratus empat puluh enam) saham yang telah diterbitkan Perseroan dengan memperhatikan ketentuan perundang- undangan yang berlaku di bidang pasar modal khususnya Peraturan Otoritas Jasa Keuangan Nomor 38/POJK.04/2014 Penambahan Modal Perusahaan Terbuka Tanpa Hak Memesan Efek Terlebih Dahulu (HMETD).
Reaffirming the authorization and power of attorney to the Board of Directors of the Company with the approval of the Board of Commissioners of the Company concerning the implementation of the Management and Employee Stock Option Program (MESOP) as much as possible totaling to 286,943,446 (two hundred eighty six million nine hundred forty three thousand four hundred forty six) shares that have been issued by the Company with due observance of the prevailing statutory provisions in the capital market sector, specifically the Financial Services Authority Regulation Number 38 / POJK.04 / 2014 Capital Increase of Public Companies without Preemptive Rights (HMETD).
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.301.988.997 Saham atau 99,976%18.301.988.997 Shares or 99,976%
4.480.000 Saham atau 0,024%4.480.000 Shares or 0,024%
0 Saham atau 0%0 Shares or 0%
Total suara mayoritas dan suara setuju: 18.301.988.997 saham atau 99,976%The total majority of votes and votes agreed: 18,301,988,997 shares or 99.976%
KEPuTuSAn dAn rEALiSASi hASiL ruPS LuAr BiASA 31 MEi 2018
dECiSiOn And rEALiZATiOn OF ThE EXTrAOrdinAry gMS rESuLTS On MAy 31, 2018
Agenda 1 RealisasiRealization
Penegasan kembali pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris Perseroan tentang pelaksanaan Waran Seri III yang telah diterbitkan Perseroan.Reaffirming a delegation of authorizations to the Company’s Board of Directors with the agreement of the Board of Commissioner of the Company concerning the implementation of Warrant Series III that have been published by the Company.
KEPUTUSAN :Menyetujui untuk menegaskan kembali pemberian wewenang dan kuasa kepada Direksi Perseroandengan persetujuan Dewan Komisaris Perseroan untuk mengeluarkan saham baru Perseroan terkait dengan pelaksanaan Waran Seri III yang diterbitkan Perseroan berdasarkan RUPSLB tanggal 15 Juli 2016 dan RUPSLB tanggal 30 Mei 2017.
DECISION:Approving to reaffirm the authorization and power of attorney to the Board of Directors of the Company with the approval of the Company’s Board of Commissioners to issue new shares of the Company related to the implementation of Series III Warrants issued by the Company based on the EGMS on 15 July 2016 and the EGMS on 30 May 2017.
Telah direalisasikan Has been realized
207Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.306.468.997 saham atau 100,00%18.306.468.997 Shares or 100,00%
0 saham atau 0%0 shares or 0%
0 Saham atau 0%0 shares or 0%
Total suara mayoritas dan suara setuju : 18.306.468.997 saham atau 100,00%The total majority of votes and votes agreed: 18,306,468,997 shares or 100.00%
Agenda 2 RealisasiRealization
KEPUTUSAN : Menyetujui untuk menegaskan kembali pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris Perseroan untuk pelaksanaan Management and Employee Stock Option Program (MESOP) sebanyak- banyaknya sebesar 286.943.446 (dua ratus delapan puluh enam juta sembilan ratus empat puluh tiga ribu empat ratus empat puluh enam) saham yang telah diterbitkan Perseroan sebagaimana yang diterbitkan Perseroan berdasarkan RUPSLB tanggal 3 Mei 2016 dan RUPSLB tanggal 30 Mei 2017
DECISION: Approved to reaffirm the authorization and power of attorney to the Board of Directors of the Company with the approval of the Company’s Board of Commissioners for the implementation of Management and Employee Stock Option Program (MESOP) of as many as 286,943,446 (two hundred eighty six million nine hundred forty-three thousand four hundred forty six) shares that have been issued by the Company as published by the Company based on the EGMS on May 3, 2016 and EGMS on May 30, 2017
Telah direalisasikan Has been realized
Agenda 3 RealisasiRealization
Persetujuan penambahan modal Perseroan sebanyak- banyaknya sebesar 8,67% (delapan koma enam puluh tujuh persen) dari modal disetor melalui mekanisme Penambahan Modal Tanpa Memberikan HMETD dengan memperhatikan ketentuan peraturan perundang- undangan dan peraturan yang berlaku dibidang pasar modal khususnya khususnya POJK Nomor 38/POJK.04/2014 tentang Penambahan Modal Perusahaan Terbuka Tanpa Memberikan HMETD.
Approval of increasing the Company’s capital by a maximum of 8.67% (eight point six seventy-seven percent) of paid-up capital through the mechanism of Capital Addition without Giving Preemptive Rights by taking into account the provisions of laws and regulations that apply in the capital market sector, especially in particular POJK Number 38 / POJK.04 / 2014 concerning Capital Increase of Public Companies without Preemptive Rights.
KEPUTUSAN :1. Menyetujui untuk penambahan modal Perseroan Tanpa Hak Memesan Efek Terlebih Dahulu sebanyak- banyaknya
8,67% (delapan koma enam puluh tujuh persen) dari modal disetor, dengan nilai nominal Rp.100,00 (seratus Rupiah) per saham, dengan memperhatikan ketentuan peraturan perundang- undangan dan peraturan yang berlaku dibidang pasar modal khususnya POJK Nomor 38/2014, jumlah mana tidak termasuk penambahan modal Perseroan Tanpa Hak Memesan Efek Terlebih Dahulu untuk MESOP.
2. Menyetujui pemberian wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk mengeluarkan saham baru Perseroan terkait dengan pelaksanaan penambahan modal Perseroan Tanpa Hak Memesan Efek Terlebih Dahulu.
3. Menyetujui untuk pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris untuk pelaksanaan peningkatan modal Tanpa Hak Memesan Efek Terlebih Dahulu tersebut di atas, termasuk tetapi tidak terbatas dalam menentukan harga pelaksanaan penambahan modal Tanpa Hak Memesan Efek Terlebih Dahulu yang dianggap baik oleh Direksi, membuat dan/atau meminta dibuatkan segala dokumen berkaitan dengan peningkatan modal tersebut serta meminta persetujuan dan/atau melaporkan serta melakukan pendaftaran yang diperlukan kepada pihak yang berwenang berkaitan dengan peningkatan modal Tanpa Hak Memesan Efek Terlebih Dahulu, satu dan lain hal tanpa ada pengecualian dengan mengingat ketentuan peraturan perundang- undangan yang berlaku termasuk peraturan di bidang Pasar Modal.
Belum direalisasikan Has been realized
208 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Perhitungan SuaraVote Counting
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.301.988.997 saham atau 99,976%18.301.988.997 Shares or 99,976%
4.480.000 saham atau 0,024%4.480.000 Shares or 0,024%
0 Saham atau 0%0 Shares or 0%
Total suara mayoritas dan suara setuju : 18.301.988.997saham atau 99,976%The total majority of votes and votes agreed: 18,301,988,997 shares or 99.976%
Agenda 4 RealisasiRealization
Persetujuan penambahan modal Perseroan melalui mekanisme Hak Memesan Efek Terlebih Dahulu (HMETD) sesuai POJK Nomor 32/POJK.04/2015 tentang Penambahan Modal Perusahaan Terbuka dengan Memberikan HMETD.
Approval of additional capital of the Company through the mechanism of Pre-emptive Rights (HMETD) pursuant to POJK Number 32 / POJK.04 / 2015 concerning Capital Increase of Public Companies by Giving Rights.
KEPUTUSAN :1. Penerbitan sebanyak- banyaknya 5.385.936.121 (lima miliar tiga ratus delapan puluh lima juta sembilan ratus
tiga puluh enam ribu seratus dua puluh satu) saham dengan nilai nominal Rp.100,00 (seratus Rupiah) setiap saham;
2. Pemberian wewenang dan kuasa kepada Dewan Komisaris Perseroan untuk mengeluarkan saham- saham baru Perseroan dan melakukan peningkatan modal disetor dan ditempatkan Perseroan melalui PUT VII serta untuk melakukan segala tindakan yang diperlukan sehubungan dengan pelaksanaan HMETD yang diterbitkan Perseroan dalam rangka pelaksanaan PUT VII tersebut; 3. Pemberian wewenang dan kuasa kepada Direksi Perseroan dengan persetujuan Dewan Komisaris Perseroan untuk menentukan rasio dan harga pelaksanaan HMETD dari PUT VII, penggunaan dana dan/atau melakukan penyesuaian atau tindakan- tindakan lainnya yang diperlukan terkait dengan pelaksanaan PUT VII sesuai dengan tanggapan dari otoritas dan regulator serta ketentuan perundangan yang berlaku.
DECISION:1. Issuance of a maximum of 5,385,936,121 (five billion three hundred eighty-five million nine hundred thirty-six
thousand one hundred and twenty) shares with a nominal value of Rp.100,00 (one hundred Rupiah) per share;2. Granting authority and power to the Board of Commissioners of the Company to issue shares new shares of
the Company and increase paid-in capital and place the Company through PUT VII and to take all necessary actions in connection with the implementation of Preemptive Rights issued by the Company in the context of implementing the LPO VII;
3. Granting authority and power of attorney to the Board of Directors of the Company with the approval of the Board of Commissioners of The Company to determine the ratio and price of the exercise of Rights from VII PUT, usage funds and / or make adjustments or other necessary actions related with the implementation of LPO VII in accordance with responses from the authorities and regulators and provisions applicable legislation.
Belum direalisasikan Has been realized
Agenda 3 RealisasiRealization
DECISION:1. Approving the addition of the Company’s capital without pre-emptive rights as much as 8.67% (eight-point sixty
seven percent) of paid-in capital, with nominal value of Rp.100.00 (one hundred Rupiah) per share, taking into account the provisions of laws and regulations applicable in the capital market sector, especially POJK Number 38/2014, which amount does not include the addition of the Company’s capital without pre-emptive rights to MESOP .
2. Approving the authorization and power of attorney to the Board of Commissioners of the Company to issue new shares of the Company related to the implementation of additional capital of the Company without pre-emptive rights.
3. Approving the authorization and power of attorney to the Board of Directors of the Company with the approval of the Board of Commissioners for the implementation of increasing capital without pre-emptive rights above, including but not limited to determining the implementation price of additional capital without pre-emptive rights which are considered good by the Board of Directors, making and / or requesting all documents to be made related to the increase in capital and requesting approval and / or reporting as well as registering as necessary to the competent authorities related to the increase of capital without pre-emptive rights, one thing or another without any exception given the regulation applicable legislation including regulations in the Capital Market sector.
209Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.301.988.997 saham atau 99,976%18.301.988.997 Shares or 99,976%
4.480.000 saham atau 0,024%4.480.000 Shares or 0,024%
0 Saham atau 0%0 Shares or 0%
Total suara mayoritas dan suara setuju : 18.301.988.997saham atau 99,976%The total majority of votes and votes agreed: 18,301,988,997 shares or 99.976%
PELAKSAnAAn ruPS LuAr BiASA 20 SEPTEMBEr 2018
Proses penyelenggaraan RUPS Luar Biasa 20 September 2018 sebagai berikut:
imPlementAtion of the eXtrAorDinAry Gms on sePtemBer 30, 2018The process of organizing the Extraordinary GMS on September 20, 2018 is as follows:
Tahap Pelaksanaan ruPS Luar Biasa 20 September 2018
stage of extraordinary Gms implementation on september 20, 2018
Tanggal & WaktuDate & Place
20 September 2018 Pukul 14.15 s/d 14.45 WIBSeptember 20, 2018 At 14.15 until 14.45 WIB
TempatLocation
INews Tower Lantai 3, Jl. Kebon Sirih No. 17-19 Jakarta
KuorumQuorum
RUPST dihadiri oleh pemegang saham dan/atau kuasanya yang mewakili 18.548.173.147saham atau 85,14% dari jumlah seluruh saham dengan hak suara yang sah yang telah dikeluarkan Perseroan yaitu sejumlah 21.785.053.618 The AGMS was attended by shareholders and / or their proxies representing 18,548,173,147 shares or 85.14% of the total shares with valid voting rights issued by the Company which amounted to 21,785,053,618
Pimpinan RUPS Luar BiasaLeader of EGMS
Ponky Nayarana Pudijanto (Presiden Komisaris Independen/ President Commissioner Independent)
Kehadiran Anggota Dewan KomisarisAttendance of members of the Board of Commissioners
Ponky Nayarana Pudijanto (Presiden Komisaris Independen/President Commissioner Independent)
Kehadiran Anggota DireksiAttendance of Members of the Board of Directors
Chisca Mirawati (Direktur Kepatuhan/Compliance Director)Chisca Mirawati (Compliance Director)
Pihak Independen Penghitung Suara Independent Counter Voice Counter
Aulia Taufani, S.H selaku NotarisPT BSR Indonesia selaku Biro Administrasi EfekAulia Taufani, S.H as Notary of PT BSR Indonesia as the Securities Administration Bureau
KeteranganDecription
PelaksanaanImplementation
Pemberitahuan rencana RUPS kepada RegulatorNotification of RUPS plan to Regulator
Pemberitahuan rencana RUPS kepada Otoritas Jasa Keuangan (OJK) dan Bursa Efek Indonesia (BEI) pada tanggal 6 Agustus 2018
Notification of the GMS plan to the Financial Service Authority (OJK) and the Indonesia Stock Exchange (BEI) on August 6, 2018
Pengumuman RUPS Luar BiasaAnnouncement of Extraordinary GMS
• Diumumkan di surat kabar harian Sindo tanggal 14 Agustus 2018• Bukti Iklan disampaikan kepada OJK (hardcopy dan e-Reporting SPE OJK) dan BEI
(e-reporting IDXNet) pada hari yang sama.• Diunggah pada situs web Bank www.mncbank.co.id di hari yang sama
• Announced in the Sindo daily newspaper on August 14, 2018• Proof of Advertisements submitted to OJK (hardcopy and e-Reporting SPE OJK) and BEI
(e-reporting IDXNet) on the same day.• Uploaded on the Bank’s website www.mncbank.co.id on the same day
210 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
MEKAniSME PEngAMBiLAn KEPuTuSAnMekanisme pengambilan keputusan dalam Rapat dilakukan secara musyawarah untuk mufakat. Namun apabila musyawarah untuk mufakat tidak tercapai, maka pengambilan keputusan dalam Rapat dilakukan dengan cara pemungutan suara. Pengungkapan prosedur pemungutan dan perhitungan suara pada RUPSLB telah secara lengkap dituangkan dalam Tata Tertib Rapat dibacakan sebelum RUPSLB dimulai.
mechAnism of Decision mAkinGMechanism of decision making in the Meeting is conducted through deliberation to reach consensus. However, if deliberation to reach consensus is not achieved, so the decision making in the Meeting is carried out by voting. The disclosure of collecting and counting votes procedures at EGMS has been completely stipulated on Code of Conduct read aloud before EGMS begins.
KeteranganDecription
PelaksanaanImplementation
Recording Date Daftar Pemegang Sahamyang berhak hadir dalam RUPSLBRecording the Date of List of Shareholders entitled to attend the AGMS
1 (satu) hari kerja sebelum pemanggilan RUPSLB tanggal 28 Agustus 2018. 1 (one) working day before the call The AGMS is dated August 28, 2018.
Panggilan RUPS Luar BiasaExtraordinary GMS Call
• Diumumkan di surat kabar harian Sindo tanggal 29 Agustus 2018• Bukti Iklan disampaikan kepada OJK (hardcopy dan e-Reporting SPE OJK) dan BEI
(e-reporting IDXNet) pada hari yang sama.• Diunggah pada situs web Bank www.mncbank.co.id di hari yang sama
• Announced in the daily newspaper Sindo on 29 August 2018• Proof of Advertisements submitted to OJK (hardcopy and e-Reporting SPE OJK) and BEI
(e-reporting IDXNet) on the same day.• Uploaded on the Bank’s website www.mncbank.co.id on the same day
Pelaksanaan RUPS Luar BiasaImplementation of Extraordinary GMS
20 September 2018September 20, 2018
Ringkasan Risalah RUPS Luar BiasaSummary of Minutes of Extraordinary GMS
• Diumumkan di surat kabar harian Sindo tanggal 24 September 2018• Laporan Hasil Keputusan dan bukti iklan Ringkasan Risalah (Hasil) RUPST disampaikan ke OJK
(hardcopy dan e-Reporting SPE OJK) dan BEI (e-Reporting IDXNet) tanggal 24 September 2018
• Pokok-pokok keputusan RUPST diunggah pada situs web Bank: www.mncbank.co.id tanggal 24 September 2018.
• Announced in the daily newspaper Sindo on September 24, 2018• Decision Results Report and advertisement evidence Summary of Minutes (Results) of AGMS
submitted to OJK (hardcopy and e-Reporting SPE OJK) and IDX (e-Reporting IDXNet) on September 24 2018
• The points of the AGMS decision are uploaded on the Bank’s website: www.mncbank.co.id September 24, 2018.
Risalah RUPS Luar BiasaMinutes of Extraordinary GMS
Disampaikan ke OJK pada tanggal 19 Oktober 2018Submitted to OJK on October 19, 2018
211Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Agenda 1 RealisasiRealization
Perubahan susunan Pengurus Perseroan.Changes in the composition of the Company’s Management.
KEPUTUSAN/DECISIONS:1. Menyetujui pengunduran diri Bapak Purnadi Harjono sebagai Komisaris Perseroan yang
berlaku efektif terhitung sejak ditutupnya Rapat ini disertai dengan ucapan terima kasih dan memberikan penghargaan setinggi- tingginya atas jasanya kepada Perseroan selama masa baktinya.
2. Menyetujui pengangkatan Bapak Mahdan sebagai Direktur Perseroan dan Bapak Hermawan sebagai Direktur Independen Perseroan yang baru, dengan masa jabatan yang akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat Otoritas Jasa Keuangan dimaksud, sampai dengan penutupan RUPS Tahunan Perseroan yang diselenggarakan pada tahun 2020. Apabila persyaratan yang ditetapkan oleh Otoritas Jasa Keuangan sehubungan dengan pengangkatan Bapak Mahdan dan Bapak Hermawan tidak terpenuhi atau Otoritas Jasa Keuangan tidak memberikan persetujuannya, maka pengangkatan tersebut menjadi batal dengan sendirinya tanpa diperlukan persetujuan Rapat Umum Pemegang Saham.
3. Sehubungan dengan Keputusan di atas, maka terhitung sejak ditutupnya Rapat ini, susunan Dewan Komisaris dan Direksi Perseroan adalah sebagai berikut:
DEWAN KOMISARIS Presiden Komisaris Independen : Bapak Ponky Nayarana Pudijanto DIREKSI Direktur membawahkan Fungsi kepatuhan : Ibu Chisca Mirawati
sebagaimana dinyatakan dalam Akta Pernyataan Keputusan Rapat no.72 tertanggal 31 Mei 2018 yang dibuat dihadapan Aulia Taufani, SH, notaris di Jakarta Selatan, yang pemberitahuan perubahan data perseroannya telah diterima oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan surat no.AHU- AH.01.03- 0214366 tertanggal 8 Juni 2018.
Terhitung sejak diperolehnya persetujuan dan/atau terpenuhinya persyaratan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan atas pengangkatan Ibu Jeny Gono dan Bapak Peter Fajar sebagai anggota Dewan Komisaris Perseroan serta Bapak Ageng Purwanto dan Ibu Rita Montagna Siahaan sebagai anggota Direksi Perseroan yang telah diangkat dalam RUPS Tahunan tanggal 31 Mei 2018, berikut dengan Bapak Mahdan dan Bapak Hermawan sebagai anggota Direksi Perseroan, susunan selengkapnya anggota Dewan Komisaris dan Direksi Perseroan adalah menjadi sebagai berikut:
DEWAN KOMISARIS Presiden Komisaris Independen : Bapak Ponky Nayarana Pudijanto Komisaris : Bapak Peter Fajar Komisaris Independen : Ibu Jeny Gono
DIREKSI Presiden Direktur : Bapak Ageng Purwanto Direktur membawahkan Fungsi kepatuhan : Ibu Chisca Mirawati Direktur : Ibu Rita Montagna Siahaan Direktur : Bapak Mahdan Direktur Independen : Bapak Hermawan
Untuk masa jabatan Dewan Komisaris sampai dengan penutupan RUPS Tahunan Perseroan yang diselenggarakan pada tahun 2021 dan untuk Direksi sampai dengan sampai dengan penutupan RUPS Tahunan Perseroan yang diselenggarakan pada tahun 2020, dengan tidak mengurangi hak Rapat Umum Pemegang Saham untuk memberhentikannya sewaktu- waktu sesuai dengan ketentuan Pasal 105 ayat 1 UUPT.
Terealisasi sebagian.• Bapak Mahdan telah efektif menjabat sebagai
Direktur MNC Bank terhitung sejak tanggal 14 Desember 2018 sebagaimana dinyatakan dalam Surat OJK No. SR-279/PB.12/2018 tanggal 14 Desember 2018 perihal Penyampaian Salinan Keputusan Hasil Penilaian Kemampuan dan Kepatutan atas Pengangkatan dan Pencalonan Pengurus PT Bank MNC Internasional Tbk dan Surat MNC Bank No.809/MNCB/DIR/XII/2018 tanggal 28 Desember 2018 tentang Laporan Pengangkatan Dewan Komisaris dan Direksi PT Bank MNC Internasional Tbk.
• Bapak Hermawan telah efektif menjabat sebagai Direktur Keuangan MNC Bank terhitung sejak tanggal 14 Februari 2019 sebagaimana dinyatakan dalam Surat OJK No. SR-47/PB.12/2019 tanggal 19 Februari 2019 perihal Penyampaian Salinan Keputusan Hasil Penilaian Kemampuan dan Kepatutan atas Pengangkatan Direktur Keuangan PT Bank MNC Internasional Tbk dan Surat MNC Bank No.68/MNCB/DIR/II/2019 tanggal 27 Februari 2019 tentang Laporan Pengangkatan Direktur Keuangan PT Bank MNC Internasional Tbk.
Partially realized.• Mr. Mahdan has effectively served as Director of
MNC Bank as of December 14, 2018 as stated in the OJK Letter No. SR-279 / PB.12 / 2018 dated 14 December 2018 concerning Submission of Copies of Decisions on the Capability and Compliance Assessment Results for Appointment and Nomination of Management of PT Bank MNC International Tbk and MNC Bank Letter No.809 / MNCB / DIR / XII / 2018 dated 28 December 2018 concerning the Appointment Report of the Board of Commissioners and Directors of PT Bank MNC Internasional Tbk. No.809 / MNCB / DIR / XII / 2018 dated 28 December 2018 concerning the Appointment Report of the Board of Commissioners and Directors of PT Bank MNC Internasional Tbk.
• Mr. Hermawan has effectively served as MNC Bank’s Finance Director as of February 14, 2019 as stated in the OJK Letter No. SR-47 / PB.12 / 2019 dated February 19, 2019 concerning Submission of Copies of Decision on the Capability and Compliance Assessment Result for Appointment of Finance Director of PT Bank MNC International Tbk and MNC Bank Letter No.68 / MNCB / DIR / II / 2019 dated February 27, 2019 concerning Report on Appointment of Finance Director of PT Bank MNC Internasional Tbk.
Decision AnD reAliZAtion of eXtrAorDinAry Gms resUlts on sePtemBer 20, 2018
KEPuTuSAn dAn rEALiSASi hASiL ruPS LuAr BiASA 20 SEPTEMBEr 2018
212 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Agenda 1 RealisasiRealization
1. To approve the resignation of Mr. Purnadi Harjono as Commissioner of the Company which became effective as of the closing of this Meeting accompanied by gratitude and the highest appreciation for his services to the Company during his tenure.
2. Approving the appointment of Mr. Mahdan as Director of the Company and Mr. Hermawan as the new Independent Director of the Company, with a term of office that will be effective as of the date stipulated in the approval letter from the Financial Services Authority on Capability and Compliance Assessment and / or fulfillment of stipulated requirements in the said Financial Services Authority letter, up to the closing of the Company’s Annual GMS held in 2020. If the requirements set by the Financial Services Authority in connection with the appointment of Mr. Mahdan and Mr Hermawan are not met or the Financial Services Authority does not give its approval, then the appointment becomes null and void. by itself without the need for approval of the General Meeting of Shareholders.
3. In connection with the above decision, as of the closing of this Meeting, the composition of the Board of Commissioners and Directors of the Company are as follows:
BOARD OF COMMISSIONERS Independent President Commissioner: Mr. Ponky Nayarana Pudijanto
BOARD OF DIRECTORS Director in charge Compliance function: Ms. Chisca Mirawati as stated in the Deed of Decision of the Meeting
No. 72 dated 31 May 2018 made before Aulia Taufani, SH, a notary in South Jakarta, the notification of changes in company data was received by the Minister of Law and Human Rights of the Republic of Indonesia with no.AHU-AH letter .01.03-0214366 dated June 8, 2018.
Since the approval and / or fulfillment of the Financial Services Authority’s Compliance and Compliance Assessment requirements for the appointment of Ms. Jeny Gono and Mr. Peter Fajar as members of the Company’s Board of Commissioners and Mr. Ageng Purwanto and Ms. Rita Montagna Siahaan as members of the Company’s Board of Directors who have been appointed at the Annual GMS May 31, 2018, following with Mr. Mahdan and Mr Hermawan as members of the Company’s Board of Directors, complete composition of members
The Board of Commissioners and Directors of the Company are as follows:
BOARD OF COMMISSIONERS President Commissioner (Independent) : Mr. Ponky Nayarana Pudijanto Commissioner : Mr. Peter Fajar Independent Commissioner : Mrs. Jeny Gono
BOARD OF DIRECTORS President Director : Mr Ageng Purwanto Director in charge Compliance function : Ms. Chisca Mirawati Director : Mrs. Rita Montagna Siahaan Director : Mr Mahdan Independent Director : Mr Hermawan
For the term of office of the Board of Commissioners up to the closing of the Company’s Annual GMS held in 2021 and for the Board of Directors up to the closing of the Company’s Annual GMS held in 2020, without reducing the right of the General Meeting of Shareholders to dismiss them at any time in accordance with the provisions of Article 105 paragraph 1 of the Company Law.
213Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.548.173.147 saham atau 100,00%18.548.173.147 Shares or 100,00%
0 saham atau 0%0 Shares or 0%
0 Saham atau 0%0 Shares or 0%
Total suara mayoritas dan suara setuju: 18.548.173.147 saham atau 100,00%The total majority of votes and votes agreed: 18,548,173,147 shares or 100.00%
PELAKSAnAAn ruPS LuAr BiASA 13 dESEMBEr 2018
Proses penyelenggaraan RUPS Luar Biasa 13 Desember 2018 sebagai berikut:
imPlementAtion of the eXtrAorDinAry Gms on DecemBer 13, 2018The process of organizing the Extraordinary GMS on December 13, 2018 is as follows:
Tanggal & WaktuDate & Place
13 Desember 2018 Pukul 14.27 s/d 14.42 WIBDecember 13, 2018 At 14:27 until 14.42 WIB
TempatLocation
INews Tower Lantai 3, Jl. Kebon Sirih No. 17-19 Jakarta
KuorumQuorum
RUPST dihadiri oleh pemegang saham dan/atau kuasanya yang mewakili 18.557.202.802 saham atau 85,18% dari jumlah seluruh saham dengan hak suara yang sah yang telah dikeluarkan Perseroan yaitu sejumlah 21.785.053.618 The AGMS was attended by shareholders and / or their proxies representing 18,557,202,802 shares or 85.18% of the total shares with valid voting rights issued by the Company which amounted to 21,785,053,618
Pimpinan RUPS Luar BiasaLeader of EGMS
Ponky Nayarana Pudijanto (Presiden Komisaris, Independen/President Commissioner, Independent)
Kehadiran Anggota Dewan KomisarisAttendance of members of the Board of Commissioners
Ponky Nayarana Pudijanto (Presiden Komisaris, Independen/President Commissioner, Independent)
Kehadiran Anggota DireksiAttendance of Members of the Board of Directors
Rita Montagna Siahaan (Direktur/Director)
Pihak Independen Penghitung SuaraIndependent Counter Voice Counter
Aulia Taufani, S.H selaku NotarisPT BSR Indonesia selaku Biro Administrasi EfekAulia Taufani, S.H as NotaryPT BSR Indonesia as the Securities Administration Bureau
Agenda 1 RealisasiRealization
4. Memberikan wewenang kepada Komite Nominasi dan Remunerasi Perseroan untuk menetapkan gaji dan tunjangan bagi anggota Direksi Perseroan yang baru diangkat sehubungan dengan pengangkatannya.
5. Memberikan kuasa dan wewenang dengan hak substitusi kepada Direksi Perseroan untuk melakukan segala tindakan sehubungan dengan perubahan susunan Dewan Komisaris dan Direksi Perseroan tersebut di atas, termasuk tetapi tidak terbatas pada untuk membuat atau meminta untuk dibuatkan serta menandatangani segala akta yang berkaitan dengan itu, dan untuk mendaftarkan susunan anggota Dewan Komisaris dan Direksi Perseroan dalam Daftar Perusahaan sesuai dengan ketentuan Undang- Undang No. 3 Tahun 1982 tentang Wajib Daftar Perusahaan.
4. Authorizing the Nomination and Remuneration Committee of the Company to determine salaries and benefits for newly appointed members of the Company’s Board of Directors in connection with their appointment.
5. Providing power and authority with the right of substitution to the Board of Directors of the Company to take all actions relating to changes in the composition of the Board of Commissioners and Directors of the Company, including but not limited to making or requesting to make and sign all deeds related to it, and to register the composition of the Company’s Board of Commissioners and Directors in the Company Register in accordance with the provisions of Law No. 3 of 1982 concerning Obligatory Registration of Companies.
214 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tahap Pelaksanaan RUPS Luar Biasa 13 Desember 2018Stage of implementation of Extraordinary gMS on december 13, 2018
KeteranganDescription
PelaksanaanImplementation
Pemberitahuan rencana RUPS kepada RegulatorNotification of RUPS plan to Regulator
Pemberitahuan rencana RUPS kepada Otoritas Jasa Keuangan (OJK) dan Bursa Efek Indonesia (BEI) pada tanggal 30 Oktober 2018Notification of the GMS plan to the Financial Services Authority (OJK) and the Indonesia Stock Exchange (BEI) on October 30, 2018
Pengumuman RUPS Luar BiasaAnnouncement of Extraordinary GMS
• Diumumkan di surat kabar harian Sindo tanggal 6 November 2018• Bukti Iklan disampaikan kepada OJK (hardcopy dan e-Reporting SPE OJK) dan BEI (e-reporting
IDXNet) pada hari yang sama.• Diunggah pada situs web Bank www.mncbank.co.id di hari yang sama
• Announced on the Sindo daily newspaper on November 6, 2018• Proof of Advertisements submitted to OJK (hardcopy and e-Reporting SPE OJK) and BEI
(e-reporting IDXNet) on the same day.• Uploaded on the Bank’s website www.mncbank.co.id on the same day
Recording Date Daftar Pemegang Sahamyang berhak hadir dalam RUPSLBRecording the Date of Register of Shareholderswho has the right to attend the EGMS
1 (satu) hari kerja sebelum pemanggilan RUPSLB yaitu tanggal 19 November 2018.1 (one) working day before the call The EGMS is November 19, 2018.
Panggilan RUPS Luar BiasaExtraordinary GMS Call
• Diumumkan di surat kabar harian Sindo tanggal 21 November 2018• Bukti Iklan disampaikan kepada OJK (hardcopy dan e-Reporting SPE OJK) dan BEI (e-reporting
IDXNet) pada hari yang sama.• Diunggah pada situs web Bank www.mncbank.co.id di hari yang sama
• Announced in the Sindo daily newspaper November 21, 2018• Proof of Advertisements submitted to OJK (hardcopy and e-Reporting SPE OJK) and BEI
(e-reporting IDXNet) on the same day.• Uploaded on the Bank’s website www.mncbank.co.id on the same day
Pelaksanaan RUPS Luar BiasaImplementation of Extraordinary EGMS
13 Desember 2018December 13, 2018
Ringkasan Risalah RUPS Luar BiasaSummary of Minutes of Extraordinary GMS
• Diumumkan di surat kabar harian Sindo tanggal 17 Desember 2018• Laporan Hasil Keputusan dan bukti iklan Ringkasan Risalah (Hasil) RUPST disampaikan ke OJK
(hardcopy dan e-Reporting SPE OJK) dan BEI (e-Reporting IDXNet) tanggal 17 Desember 2018• Pokok-pokok keputusan RUPST diunggah pada situs web Bank: www.mncbank.co.id tanggal 17
Desember 2018.
• Announced in the daily newspaper Sindo on December 17, 2018• Decision Reports and advertisement evidence Summary of Minutes (Results) of AGMS submitted
to OJK (hardcopy and e-Reporting SPE OJK) and IDX (e-Reporting IDXNet) on December 17 2018• The points of decision of the AGM are uploaded on the Bank’s website: www.mncbank.co.id dated
December 17, 2018.
Risalah RUPS Luar BiasaMinutes of Extraordinary GMS
Disampaikan ke OJK pada tanggal 7 Januari 2019Submitted to OJK on January 19, 2019
MEKAniSME PEngAMBiLAn KEPuTuSAnMekanisme pengambilan keputusan dalam Rapat dilakukan secara musyawarah untuk mufakat. Namun apabila musyawarah untuk mufakat tidak tercapai, maka pengambilan keputusan dalam Rapat dilakukan dengan cara pemungutan suara. Pengungkapan prosedur pemungutan dan perhitungan suara pada RUPSLB telah secara lengkap dituangkan dalam Tata Tertib Rapat dibacakan sebelum RUPSLB dimulai.
Decision mAkinG mechAnismMechanism of decision making in the Meeting is conducted through deliberation to reach consensus. However, if deliberation to reach consensus is not achieved, so the decision making in the Meeting is carried out by voting. The disclosure of collecting and counting votes procedures at EGMS has been completely stipulated on Code of Conduct read aloud before EGMS begins.
215Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Agenda 1 RealisasiRealization
Perubahan susunan Pengurus Perseroan.Changes in the composition of the Company’s Management.
KEPUTUSAN/DECISIONS:1. Menyetujui pengunduran diri Ibu Chisca Mirawati sebagai Direktur Perseroan yang membawahi Fungsi
Kepatuhan yang berlaku efektif terhitung sejak tanggal ditutupnya Rapat disertai dengan ucapan terima kasih dan memberikan penghargaan setinggi-tingginya atas jasanya kepada Perseroan selama masa baktinya.
1. Approving the resignation of Ms. Chisca Mirawati as Director of the Company in charge of the Compliance Function which is effective as of the closing date of the Meeting accompanied by gratitude and the highest appreciation for her services to the Company during her tenure.
2. Menetapkan Bapak Mahdan yang semula diangkat sebagai Direktur Perseroan untuk selanjutnya menjadi Direktur Perseroan yang membawahi Fungsi Kepatuhan yang baru, dengan masa jabatan yang akan berlaku efektif terhitung sejak tanggal yang ditetapkan dalam surat persetujuan dari Otoritas Jasa Keuangan atas Penilaian Kemampuan dan Kepatutan dan/atau terpenuhinya persyaratan yang ditetapkan dalam surat Otoritas Jasa Keuangan dimaksud, sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang diselenggarakan pada tahun 2020. Apabila persyaratan yang ditetapkan oleh Otoritas Jasa Keuangan tidak terpenuhi atau Otoritas Jasa Keuangan tidak memberikan persetujuannya, maka pengangkatan tersebut menjadi batal dengan sendirinya tanpa diperlukan persetujuan Rapat Umum Pemegang Saham.
2. Establish Mr. Mahdan who was originally appointed as Director of the Company to subsequently become Director of the Company in charge of the new Compliance Function, with a term that will be effective as of the date stipulated in the Financial Services Authority’s approval letter on Capability and Compliance Assessment and / or fulfillment of the requirements stipulated in the said Financial Services Authority letter, until the closing of the Company’s Annual General Meeting of Shareholders held in 2020. If the requirements set by the Financial Services Authority are not met or the Financial Services Authority does not give its approval, then the appointment becomes null and void. itself without the need for approval of the General Meeting of Shareholders.
3. Membatalkan pengangkatan Bapak Ageng Purwanto sebagai Presiden Direktur Perseroan yang telah diputuskan dalam RUPST 31 Mei 2018. Adapun keputusan lainnya yang diputuskan dalam RUPST 31 Mei 2018 tersebut tetap berlaku.
3. Revoking the appointment of Mr. Ageng Purwanto as the President Director of the Company which was decided at the AGM on May 31, 2018. The other decisions decided at the May 31, 2018 AGMS remain valid.
4. Sehubungan dengan Keputusan di atas, maka susunan Dewan Komisaris dan Direksi Perseroan adalah sebagai berikut:
DEWAN KOMISARIS Presiden Komisaris Independen : Bapak Ponky Nayarana Pudijanto Komisaris Independen : Ibu Jeny Gono Komisaris : Bapak Peter Fajar
DIREKSI Direktur : Ibu Rita Montagna Siahaan Direktur membawahi Fungsi Kepatuhan : Bapak Mahdan Direktur Independen : Bapak Hermwan
dengan ketentuan sebagai berikut:a. Pengangkatan
• Ibu Jeny Gono dan Bapak Peter Fajar sebagai anggota Dewan Komisaris Perseroan berdasarkan RUPST tanggal 31 Mei 2018; berikut,
• Bapak Hermawan sebagai Direktur Independen Perseroan berdasarkan RUPSLB 20 September 2018; serta,
• Bapak Mahdan sebagai Direktur Perseroan yang membawahi Fungsi Kepatuhan berdasarkan Rapat ini;
akan efektif berlaku sejak diperolehnya persetujuan dan/atau terpenuhinya persyaratan Penilaian Kemampuan dan Kepatutan dari Otoritas Jasa Keuangan.
Telah terealisasi.• Bapak Mahdan telah efektif
menjabat sebagai Direktur Kepatuhan MNC Bank terhitung sejak tanggal 14 Desember 2018 sebagaimana dinyatakan dalam Surat OJK No. SR-279/PB.12/2018 tanggal 14 Desember 2018 perihal Penyampaian Salinan Keputusan Hasil Penilaian Kemampuan dan Kepatutan atas Pengangkatan dan Pencalonan Pengurus PT Bank MNC Internasional Tbk dan Surat MNC Bank No.809/MNCB/DIR/XII/2018 tanggal 28 Desember 2018 tentang Laporan Pengangkatan Dewan Komisaris dan Direksi PT Bank MNC Internasional Tbk.
Has been realized.• Mr. Mahdan has effectively
served as the Compliance Director of MNC Bank as of December 14, 2018 as stated in the OJK Letter No. SR-279 / PB.12 / 2018 dated 14 December 2018 concerning Submission of Copies of Decisions on the Capability and Compliance Assessment Results for Appointment and Nomination of Management of PT Bank MNC International Tbk and MNC Bank Letter No.809 / MNCB / DIR / XII / 2018 dated 28 December 2018 concerning the Appointment Report of the Board of Commissioners and Directors of PT Bank MNC Internasional Tbk.
Decision AnD reAliZAtion of eXtrAorDinAry Gms resUlts on DecemBer 13, 2018
KEPuTuSAn dAn rEALiSASi hASiL ruPS LuAr BiASA 13 dESEMBEr 2018
216 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Perhitungan SuaraVotes
SetujuAgree
Tidak SetujuDisagree
Abstain/Tidak Memberikan SuaraAbstain
18.557.202.802 saham atau 100,00%8.557.202.802 shares or 100,00%
0 saham atau 0%0 Shares or 0%
0 Saham atau 0%0 Shares or 0%
Total suara mayoritas dan sura setuju : 18.557.202.802 saham atau 100,00%The total votes of the majority and sura agreed: 18,557,202,802 shares or 100.00%
Agenda 1 RealisasiRealization
b. Masa jabatan Dewan Komisaris sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang diselenggarakan pada tahun 2021 dan untuk Direksi sampai dengan sampai dengan penutupan Rapat Umum Pemegang Saham Tahunan Perseroan yang diselenggarakan pada tahun 2020, dengan tidak mengurangi hak Rapat Umum Pemegang Saham untuk memberhentikannya sewaktu-waktu sesuai dengan ketentuan Pasal 105 ayat 1 UUPT.
4. In connection with the above decision, the composition of the Board of Commissioners and Directors of the Company are as follows:
BOARD OF COMMISSIONERS President Commissioner (Independent): Mr. Ponky Nayarana Pudijanto Independent Commissioner: Mrs. Jeny Gono Commissioner: Mr. Peter Fajar
BOARD OF DIRECTORS Director: Mrs. Rita Montagna Siahaan Director in charge Compliance Function: Mr Mahdan Independent Director: Mr. Hermwan
with the following conditions:a. Appointment
• Ms. Jeny Gono and Mr. Peter Fajar as members of the Company’s Board of Commissioners based on the AGMS dated May 31, 2018; following,
• Mr. Hermawan as Independent Director of the Company based on the EGMS September 20, 2018; and,• Mr. Mahdan as Director of the Company in charge of the Compliance Function based on this Meeting;
will be effective as of the approval and / or fulfillment of the Requirements and Compliance Assessment requirements of the Financial Services Authority.
b. The term of office of the Board of Commissioners is up to the closing of the Company’s Annual General Meeting of Shareholders held in 2021 and the term of office of Directors is up to the closing of the Company’s Annual General Meeting of Shareholders held in 2020, without reducing the right of the General Meeting of Shareholders to terminate time in accordance with the provisions of Article 105 paragraph 1 of the Company Law.
5. Memberikan wewenang kepada Komite Nominasi dan Remunerasi Perseroan untuk menetapkan gaji dan tunjangan bagi anggota Dewan Komisaris dan Direksi Perseroan yang baru diangkat sehubungan dengan pengangkatannya.
5. Authorizing the Nomination and Remuneration Committee of the Company to determine salaries and benefits for newly appointed members of the Board of Commissioners and Directors of the Company in connection with their appointment.
6. Memberikan kuasa dan wewenang dengan hak substitusi kepada Direksi Perseroan untuk melakukan segala tindakan sehubungan dengan perubahan susunan Dewan Komisaris dan Direksi Perseroan tersebut di atas, termasuk tetapi tidak terbatas pada untuk membuat atau meminta untuk dibuatkan serta menandatangani segala akta yang berkaitan dengan itu, dan untuk mendaftarkan susunan anggota Dewan Komisaris dan Direksi Perseroan dalam Daftar Perusahaan sesuai dengan ketentuan Undang-Undang Nomor 3 Tahun 1982 tentang Wajib Daftar Perusahaan.
6. Providing power and authority with the right of substitution to the Directors of the Company to take all actions in connection with changes in the composition of the Board of Commissioners and Directors of the Company, including but not limited to making or requesting to make and sign all deeds related to it, and to register the composition of the Company’s Board of Commissioners and Directors in the Company Register in accordance with the provisions of Law Number 3 of 1982 concerning Obligatory Registration of Companies.
217Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
DewankomISarISBoard of Commissioners
Dewan Komisaris merupakan salah satu organ MNC Bank yang memiliki tanggung jawab dalam mengontrol jalannya tugas pengelolaan Perseroan oleh Direksi secara umum dan/atau khusus sesuai dengan Anggaran Dasar. Dewan Komisaris juga memiliki hak untuk memberi nasihat kepada Direksi sesuai dengan ketentuan peraturan perundang-undangan dan Anggaran Dasar.
dASAr huKuM 1. Undang-undang No.40 tahun 2007 tentang Perseroan
Terbatas. 2. Peraturan Otoritas Jasa Keuangan No.33/POJK.04/2014
Tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik (POJK 33/2014)
3. POJK No.55/POJK.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata Kelola bagi Bank Umum, berikut dengan ketentuan pelaksanaannya untuk industri perbankan sebagaimana diatur dalam SEOJK No.13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola bagi Bank Umum.
4. Anggaran Dasar Perseroan.
KriTEriA dEwAn KOMiSAriS Syarat yang ditetapkan oleh POJK 33/2014 telah dipenuhi oleh seluruh anggota Dewan Komisaris MNC Bank pada saat diangkat dan selama menjabat. Adapun syarat tersebut adalah sebagai berikut: a. Memiliki akhlak dan integritas; b. Cakap melakukan perbuatan hukum; c. Dalam 5 (lima) tahun sebelum pengangkatan:
1) Tidak pernah dinyatakan pailit;2) Tidak pernah menjadi anggota Direksi dan/atau
anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit;
3) Tidak pernah dihukum karena tindakan pidana yang merugikan keuangan negara dan/atau yang berkaitan dengan sektor keuangan; dan
4) Tidak pernah menjadi anggota Direksi dan/ atau anggota Dewan Komisaris yang selama menjabat:
a) Pernah tidak mengadakan Rapat Umum Pemegang Saham Tahunan;
b) Pertanggungjawabannya sebagai anggota Direksi dan/atau anggota Dewan Komisaris pernah tidak diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada RUPS; dan
c) Pernah menyebabkan perusahaan yang memiliki izin, persetujuan, atau pendaftaran dari Otoritas Jasa Keuangan tidak memenuhi kewajiban untuk memberikan laporan tahunan dan/atau laporan keuangan kepada Otoritas Jasa Keuangan.
The Board of Commissioners is one of the MNC Bank organs that is responsible for controlling the running of the Company’s management duties by the Board of Directors in general and/or specifically in accordance with the Articles of Association. The Board of Commissioners also has the right to give advice to the Board of Directors in accordance with the provisions of the legislation and the Articles of Association.
leGAl BAsis 1. Law No. 40 of 2007 concerning Limited Liability
Companies. 2. Financial Services Authority Regulation No.33/
POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies (POJK 33/2014)
3. POJK No.55 POJK.03/2016 dated 7 December 2016 concerning Implementation of Governance for Commercial Banks, along with the provisions for their implementation for the banking industry as stipulated in SEOJK No.13/SEOJK.03/2017 dated March 17, 2017 concerning Implementation of Governance for Commercial Banks.
4. The Company’s Articles of Association.
criteriA for BoArD of commissionersThe conditions set by POJK 33/2014 have been met by all members of the MNC Bank Board of Commissioners when appointed and during their tenure. The conditions are as follows: a. Having character and integrity; b. Able to do legal actions; c. Within 5 (five) years before appointment:
1) Never declared bankrupt;2) Never been a member of the Board of Directors
and/or members of the Board of Commissioners who were found guilty of causing a company to go bankrupt;
3) Never been convicted of a criminal offense that is detrimental to the country’s finances and/or related to the financial sector; and
4) Never been a member of the Board of Directors and/or members of the Board of Commissioners who during his tenure:a) Never organizing an Annual General Meeting
of Shareholders;b) Accountability as a member of the Board of
Directors and/or members of the Board of Commissioners has never been accepted by the GMS or has never given responsibility as a member of the Board of Directors and/or members of the Board of Commissioners to the GMS; and
c) Never causing a company that has permission, approval or registration from the Financial Services Authority not to fulfill the obligation to provide annual reports and/or financial reports to the Financial Services Authority.
218 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
d) Memiliki komitmen untuk mematuhi peraturan perundang-undangan; dan
e) Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perusahaan.
PEniLAiAn KEMAMPuAn dAn KEPATuTAnPeraturan Otoritas Jasa Keuangan No.27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan menjelaskan bahwa calon anggota Dewan Komisaris wajib memperoleh persetujuan dari OJK sebelum menjalankan tindakan, tugas dan fungsinya. Dalam memberikan persetujuan tersebut, OJK melakukan penilaian kemampuan dan kepatutan kepada calon anggota Dewan Komisaris.
Seluruh anggota Dewan Komisaris telah lulus Penilaian fit and proper tanpa catatan dan telah mendapat persetujuan dari Otoritas Jasa Keuangan, yang mengindikasikan bahwa setiap anggota Dewan Komisaris memiliki integritas, kompetensi dan reputasi keuangan yang memadai.
d) Having a commitment to comply with laws and regulations; and
e) Having knowledge and/or expertise in the fields needed by the Company.
Assessment of ABility AnD DecisionFinancial Services Authority Regulation No. 27/POJK.03/2016 concerning Capability and Compliance Assessment for Main Parties Financial Services Institution explains that prospective members of the Board of Commissioners must obtain approval from the OJK before carrying out their actions, duties and functions. In giving such approval, the OJK conducts capability and appropriateness assessments for candidates for the Board of Commissioners.
All members of the Board of Commissioners have passed fit and proper tests without records and have been approved by Financial Service Authority, which indicates that each member of the Board of Commissioners has adequate integrity, competence and financial reputation.
NamaName
JabatanPosition
PelaksanaOrganizers
Dasar PengangkatanAppointment Basis
Tanggal EfektifEffective Date
Ponky Nayarana Pudijanto Presiden Komisaris Independen
Independent President Commissioner
Otoritas Jasa KeuanganFinancial Service Authority
RUPS Tahunan tanggal 31 Mei 2018
Annual GMS dated May 31, 2018
18 September 2018September 18, 2018
Peter Fajar Komisaris Commissioner
Otoritas Jasa KeuanganFinancial Service Authority
RUPS Tahunan tanggal 31 Mei 2018
Annual GMS dated, May 31, 2018
14 Desember 2018December 14, 2018
Jeny Gono Komisaris IndependenIndependent Commissioner
Otoritas Jasa KeuanganFinancial Service Authority
RUPS Tahunan tanggal 31 Mei 2018
Annual GMS, dated May 31, 2018
14 Desember 2018December 14, 2018
Tabel Penilaian Kemampuan dan Kepatutan Dewan KomisarisBoard of commissioners’ capability and compliance Assessment Table
PEngAngKATAn dEwAn KOMiSAriS AnggOTA dEwAnRUPS mengangkat Komisaris MNC Bank dengan memperhitungkan hasil evaluasi dan rekomendasi dari Komite Nominasi dan Remunerasi MNC Bank.
Pesetujuan OJK terkait Penilaian Kemampuan dan Kepatuhan yang dilaksanakan menjadikan Keputusan RUPS atas Dewan Komisaris berlaku secara efektif. RUPS wajib memberhentikan calon yang tidak disetujui oleh OJK, meskipun calon tersebut telah diajukan persetujuan dan telah diangkat dalam RUPS.
Masa jabatan Anggota Dewan Komisaris ditunjuk untuk masa jabatan 1 (satu) periode yaitu terhitung sejak ditutupnya RUPS yang mengangkatnya sampai dengan ditutupnya RUPST yang ke-3 (ketiga) setelah tanggal pengangkatannya, dengan
BoArD of commissioners APPointment
The GMS appoints MNC Bank Commissioners by calculating the evaluation results and recommendations from the MNC Bank Nomination and Remuneration Committee.
The OJK’s approval regarding the Capability and Compliance Assessment carried out made the GMS decision on the Board of Commissioners effective. The GMS must dismiss candidates who have not been approved by the OJK, even though the candidate has been approved and has been appointed at the GMS.
terms of officeMembers of the Board of Commissioners are appointed for a term of 1 (one) period, starting from the closing of the GMS that appoints it to the closing of the third (third) AGM after the date of appointment, without prejudice to
219Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
tidak mengurangi hak RUPS untuk memberhentikan anggota Dewan Komisaris tersebut sewaktu-waktu. Sedangkan, masa jabatan Komisaris Independen berbeda dengan Dewan Komisaris, yakni paling banyak 2 (dua) periode berturutturut. Komisaris Independen yang telah menjabat selama 2 (dua) periode masa jabatan dapat diangkat kembali pada periode selanjutnya sepanjang Komisaris Independen tersebut menyatakan dirinya tetap independen sesuai Pasal 25 POJK 33/2014. Komisaris Independen tersebut hanya dapat diangkat kembali sebagai Komite Audit untuk 1 (satu) periode masa jabatan Audit berikutnya apabila Komisaris Independen menjabat sebagai Kepala Komite Audit
Pemberhentian dewan Komisaris Mengacu pada Anggaran Dasar, masa jabatan seorang anggota Dewan Komisaris berakhir melalui keputusan RUPS apabila:1. Meninggal dunia; 2. Masa jabatannya berakhir; 3. Tidak lagi memenuhi kriteria sebagai Dewan Komisaris
Seorang anggota Dewan Komisaris memiliki hak mengundurkan diri dari jabatannya dengan menginformasikan secara tertulis mengenai maksudnya tersebut kepada Perseroan. Oleh sebab itu, Perseroan wajib menyelenggarakan RUPS untuk memutuskan permohonan pengunduran diri anggota Dewan Komisaris dalam jangka waktu paling lambat 90 (sembilan puluh) hari setelah diterimanya surat pengunduran diri.
TugAS dAn TAnggung jAwAB Berdasarkan anggaran dasar dan wewenang yang diberikan oleh RUPS, Dewan Komisaris memiliki fungsi, tugas dan tanggung jawab yang jelas yang tertuang dalam Pedoman dan Tata Tertib Kerja Dewan Komisaris.
Dewan Komisaris memiliki tanggung jawab terhadap pemegang saham dalam hal mengontrol kebijakan Direksi terhadap operasional MNC Bank secara umum yang mengacu kepada rencana bisnis yang telah disetujui Dewan Komisaris dan Bank Indonesia serta memastikan kepatuhan terhadap seluruh peraturan dan perundang-undangan yang berlaku.
Secara detail, terdapat tugas pokok Dewan Komisaris yang berhubungan dengan pengawasan di antaranya: 1. Melaksanakan tugas dan tanggung jawab secara
independen. 2. Melakukan pengawasan atas kebijakan pengurusan dan
jalannya pengurusan perusahaan dan memberi nasihat kepada Direksi.
3. Melakukan fungsi pengawasan dengan cara mengarahkan, memantau dan mengevaluasi pelaksanaan kebijakan strategis Bank.
4. Memastikan terselenggaranya pelaksanaan Tata Kelola dalam setiap kegiatan usaha Bank pada seluruh tingkatan organisasi yang mencakup 11 (sebelas) aspek pelaksanaan Tata Kelola.
the right of the GMS at any time. Meanwhile, the term of office of the Independent Commissioner is different from the Board of Commissioners, which is a maximum of 2 (two) consecutive periods. An Independent Commissioner who has served for 2 (two) periods of his/her term of office may be reappointed in the following period insofar as the Independent Commissioner declares himself to be independent in accordance with Article 25 POJK 33/2014. The Independent Commissioner can only be reappointed as an Audit Committee for 1 (one) period of the next Audit term if the Independent Commissioner serves as the Head of the Audit Committee
Dismissal of Board of commissionersReferring to the Articles of Association, the term of office of a member of the Board of Commissioners ends through a GMS decision if: 1. Passed away; 2. The term of office ends; 3. No longer meets the criteria as a Board of Commissioners
A member of the Board of Commissioners has the right to resign from his position by informing written notification of the intention to the Company. Therefore, the Company must hold a GMS to decide on the application for resignation of a member of the Board of Commissioners within a maximum period of 90 (ninety) days after receipt of the resignation letter.
DUties AnD resPonsiBilitiesBased on the articles of association and authority granted by the GMS, the Board of Commissioners has clear functions, duties and responsibilities as stated in the Board of Commissioners Charter.
The Board of Commissioners has responsibility for shareholders in terms of controlling the Board of Directors’ policies towards MNC Bank operations in general which refers to business plans that have been approved by the Board of Commissioners and Bank Indonesia and ensure compliance with all applicable laws and regulations.
In detail, there are main duties of the Board of Commissioners related to supervision including: 1. Carry out duties and responsibilities independently.
2. Supervise the management policy and the running of the company’s management and advise the Board of Directors.
3. Conduct the supervisory function by directing, monitoring and evaluating the implementation of the Bank’s strategic policies.
4. Ensure the implementation of Governance in each of the Bank’s business activities at all organizational levels covering 11 (eleven) aspects of the implementation of Governance.
220 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
5. Tidak terlibat di dalam pengambilan keputusan kegiatan operasional Bank, kecuali hal-hal khusus yang telah diatur oleh Bank Indonesia dan Anggaran Dasar MNC Bank.
6. Melakukan pengawasan aktif atas penerapan manajemen risiko yang melekat pada seluruh aktivitas Bank yang mencakup:a. Menyetujui dan mengevaluasi kebijakan manajemen
risiko.b. Mengevaluasi pertanggungjawaban Direksi atas
pelaksanaan kebijakan menajemen risiko.
c. Mengevaluasi dan memutuskan permohonan Direksi yang berkaitan dengan transaksi yang memerlukan persetujuan Dewan Komisaris.
7. Memastikan bahwa Direksi telah menindaklanjuti temuan audit dan rekomendasi dari SKAI, auditor eksternal, hasil pengawasan Otoritas Jasa Keuangan dan/atau hasil pengawasan otoritas lainnya.
8. Memberitahukan kepada Otoritas Jasa Keuangan paling lambat 7 (tujuh) hari kerja sejak ditemukannya pelanggaran peraturan di bidang keuangan/ perbankan dan keadaan atau perkiraan keadaan yang dapat membahayakan kelangsungan usaha Bank.
9. Dewan Komisaris berdasarkan keputusan Rapat Dewan Komisaris berhak memberhentikan untuk sementara anggota Direksi sesuai ketentuan Pasal 106 UUPT dan dengan memperhatikan peraturan perundang-undangan di bidang Pasar Modal.
PEMBAgiAn TugAS AnggOTA dEwAn KOMiSAriS
Sesuai POJK No.55/POJK.33/2016 tentang Penerapan Tata Kelola Bagi Bank Umum, bahwa dalam rangka mendukung efektivitas pelaksanaan tugas dan tanggung jawab, Dewan Komisaris wajib membentuk paling sedikit: Komite Audit, Komite Pemantau Risiko serta Komite Remunerasi dan Nominasi. Selanjutnya dalam rangka pemenuhan POJK No. 18/POJK.03/2014 tanggal 18 November 2014 tentang Penerapan Tata Kelola Terintegrasi Bagi Konglomerasi Keuangan, Dewan Komisaris MNC Bank juga membentuk Komite Tata Kelola Terintegrasi.
Sesuai kompetensi dan bidangnya masing-masing, beberapa anggota Dewan Komisaris juga merangkap sebagai Ketua dan/atau anggota Komite-Komite yang dibentuk untuk membantu pelaksanaan tugas dan tanggung jawab Dewan Komisaris.
5. Not involved in making decisions on the Bank’s operational activities, except for specific matters that have been regulated by Bank Indonesia and MNC Bank’s Articles of Association.
6. Actively monitor the implementation of risk management inherent in all Bank activities which includes:
a. Approving and evaluating risk management policies.
b. Evaluating the Board of Directors’ accountability for the implementation of risk management policies.
c. Evaluating and deciding on the Board of Directors’ requests related to transactions that require Board of Commissioners approval.
7. Ensure that the Board of Directors has followed up on audit findings and recommendations from SKAI, external auditors, the results of supervision of the Financial Services Authority and/or the results of supervision by other authorities.
8. Notify the Financial Services Authority no later than 7 (seven) working days from the discovery of violations of regulations in the financial/banking sector and the circumstances or estimates of circumstances that could endanger the business continuity of the Bank.
9. The Board of Commissioners based on the decision of the Board of Commissioners’ Meeting has the right to temporarily dismiss members of the Board of Directors in accordance with Article 106 of the Company Law and by observing the laws and regulations in the Capital Market sector.
DUties clAssificAtion of BoArD of commissioners memBers According to POJK No.55/POJK.33/2016 concerning Implementation of Corporate Governance for Commercial Bank, in order to support the effectivity of duties and responsibilities implementation, the Board of Commissioners is obliged to establish, at least: Audit Committee, Risk Monitoring Committee and Remuneration and Nomination Committee. Moreover, in order to fulfill POJK No. 18/POJK.03/2014 dated November 18, 2014 concerning Implementation of Integrated Corporate Governance for Financial Conglomerates. The Board of Commissioners of MNC Bank also establishes Integrated Corporate Governance Committee.
According to every member’s competency and expertise, some of the Board of Commissioners’ members also concurrently hold positions such as Chairman and/or Committee’s member that is established to assist the implementation of the Board of Commissioners’ duties and responsibilities.
221Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PEniLAiAn ATAS KinErjA KOMiTE PEnunjAng dEwAn KOMiSAriS Dewan Komisaris menjalankan fungsi pengawasan dengan dibantu oleh Komite Audit, Komite Pemantau Risiko dan Komite Nominasi dan Remunerasi.
Sepanjang tahun 2018, Dewan Komisaris berpendapat bahwa komite-komite tersebut berhasil dalam menjalankan tugasnya dengan efisien dan sesuai dengan Pedoman Kerja masing-masing komite. Penilaian ini dilaksanakan berdasarkan laporan kinerja yang disampaikan kepada Dewan Komisaris.
PErnyATAAn KEPEMiLiKAn PEdOMAn dAn TATA TErTiB dEwAn KOMiSAriS Dewan Komisaris MNC Bank mencanangkan piagam kerja Dewan Komisaris dalam bentuk Pedoman dan Tata Tertib Kerja Dewan Komisaris yang ditetapkan oleh Dewan Komsaris pada tanggal 9 Juli 2018.
Pedoman dan Tata Tertib Kerja Dewan Komisaris tersebut memuat tentang petunjuk tata laksana kerja Dewan Komisaris dan menjelaskan struktur dan sistematis tahapan aktivitas yang mudah dipahami serta dapat dijalankan.
Tujuan pembuatan Pedoman dan Tata Tertib Kerja Dewan Komisaris adalah untuk membantu Dewan Komisaris dalam menjalankan tugas dan tanggung jawabnya sehingga dapat meningkatkan kualitas pengawasan terhadap kinerja Direksi MNC Bank dalam menjalankan pengurusan untuk kepentingan terbaik dan sesuai dengan maksud dan tujuan MNC Bank.
Assessment of PerformAnce of BoArD of commissioners’ sUPPortinG committeesThe Board of Commissioners carries out the supervisory function assisted by the Audit Committee, Risk Monitoring Committee and Nomination and Remuneration Committee.
Throughout 2018, the Board of Commissioners viewed that these committees managed to carry out their duties efficiently and in accordance with the Work Guidelines of each committee. This assessment is carried out based on the performance report submitted to the Board of Commissioners.
ownershiP stAtement of GUiDelines AnD rUles for BoArD of commissionersMNC Bank’s Board of Commissioners announces the Board of Commissioners work charter in the form of the Board of Commissioners’ Charter is determined by the Board of Commissioners on July 9, 2018.
The Board of Commissioners’ Charter consists rules and guidelines for the work of the Board of Commissioners and explains the structure and systematic stages of activities that are easy to understand and can be implemented.
The purpose of making the Board of Commissioners Charter is to assist the Board of Commissioners in carrying out their duties and responsibilities so that they can improve the quality of supervision of MNC Bank Directors’ performance in managing for the best interests and in accordance with the objectives and objectives of MNC Bank.
NamaName
JabatanPosition
Bidang TugasTask Field
Ponky Nayarana Pudijanto Presiden Komisaris IndependenIndependent President Commissioner
1. Ketua merangkap anggota Komite Audit2. Ketua merangkap anggota Komite Remunerasi dan Nominasi3. Anggota Komite Pemantau Risiko
1. Chairman concurrently member of the Audit Committee2. Chairman concurrently member of the Remuneration and
Nomination Committee3. Member of the Risk Monitoring Committee
Peter Fajar KomisarisCommissioner
1. Anggota Komite Remunerasi dan Nominasi2. Anggota Komite Pemantau Risiko
1. Member of the Remuneration and Nomination Committee2. Member of the Risk Monitoring Committee
Jeny Gono Komisaris IndependenIndependent Commissioner
1. Ketua meranggkap anggota Komite Pemantau Risiko2. Anggota Komte Audit
1. Chairman concurrently member of the Risk Monitoring Committee2. Member of the Audit Committee
Tabel Tugas Dewan KomisarisBoard of commissioners Table of duties
222 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tabel Peningkatan KompetensiTabel competency Enchancement Training
BoArD of commissioners inDePenDence The Bank’s Board of Commissioners is required to make effective, appropriate and fast decisions and is also required to be able to act independently, in the sense of having no conflict of interest which can disrupt their ability to carry out tasks independently and critically, both in relation with each other or with directors.
BoArD of commissioners comPetency enhAncement trAininGThroughout 2018, MNC Bank Board of Commissioners members have participated in various competency improvement programs in the form of training, workshops, conferences, seminars, as follows:
indEPEndEnSi dEwAn KOMiSAriS Dewan Komisaris Bank dituntut untuk mengambil keputusan yang efektif, tepat dan cepat dan juga dituntut untuk dapat bertindak secara independen, dalam arti tidak mempunyai benturan kepentingan (conflict of interest) yang dapat menganggu kemampuannya untuk melaksanakan tugas secara mandiri dan kritis, baik dalam hubungan satu sama lain maupun hubungan terhadap direksi.
PELATihAn PEningKATAn KOMPETEnSi dEwAn KOMiSAriS Sepanjang tahun 2018, anggota Dewan Komisaris MNC Bank telah mengikuti berbagai program peningkatan kompetensi berupa pelatihan, workshop, konferensi, seminar, sebagaimana tabel berikut ini:
SErTiFiKASi MAnAjEMEn riSiKO Selain program peningkatan kompetensi di atas, Dewan Komisaris juga mengikuti program Sertifikasi Manajemen Risiko. Pada tahun 2018, Dewan Komisaris yang telah lulus sertifikasi manajemen risiko sebagai berikut:
risk mAnAGement certificAtionIn addition to the above competency improvement program, the Board of Commissioners also participates in the Risk Management Certification program. In 2018, the Board of Commissioners that has passed risk management certification are as follows:
Nama KomisarisName of Commissioner Members
JabatanPositions
Ponky Nayaran Pudijanto Presiden Komisaris IndependenIndependent President Commissioner
Peter Fajar KomisarisCommissioner
Jeny Gono Komisaris IndependenIndependent Commissioner
No TanggalStart Date
Nama PelatihanTraining Title
InstitusiInstitution
NamaNames
1 5-Feb-2018 Sertifikasi Manajemen Risiko (level 1) Komisaris
Management risk Certification (level1) of Commissioner
GPS Peter Fajar
2 15-Aug-2018 Risk Management Refreshement Program : Enterprise Risk Management sebagai Upaya Meminimalisir Risiko Perusahaan secara Sistematid & Efektif
Risk Management Refreshment Program: Enterprise Risk Management as an Effort to Minimize the Company's Risk Systemically & Effectively
LSPP Ponky Nayarana Pudijanto
KOMPOSiSiKomposisi Anggota Dewan Komisaris MNC Bank per 31 Desember 2018 adalah sebagai berikut
comPositionBoard of Directors’ composition as of December 31, 2018 is as follows:
223Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel Rangkap Jabatan Dewan KomisarisTabel concurrent position of the Board of commissioners
Tabel Sertifikasi Manajemen RisikoTable risk Management certification
NamaName
JabatanPosition
Jabatan Pada PerusahaanInstansi Lain
Position in Another Company/Institution
Nama Perusahaan/Instansi LainName of other Company/ Institution
Ponky Nayarana Pudijanto Presiden Komisaris IndependenIndependent President Commissioner
NihilNil
NihilNil
Peter Fajar KomisarisCommissioner
SVP Head of Corporate Finance PT MNC Investama Tbk
Jeny Gono Komisaris IndependenIndependent Commissioner
NihilNil
NihilNil
rAngKAP jABATAn Dewan Komisaris telah mengungkapkan jabatan rangkap yang dimilikinya. Jabatan rangkap Dewan Komisaris dapat dilihat pada tabel di bawah ini:
concUrrent PositionThe Board of Commissioners has disclosed their concurrent positions. Their concurrent positions can be seen in the table below:
KEPEMiLiKAn SAhAM dEwAn KOMiSAriS Per tanggal 31 Desember 2018, masing-masing anggota Dewan Komisaris tidak memiliki saham dengan kepemilikan yang mencapai 5% dari modal disetor Bank MNC, Bank lain, lembaga keuangan bukan Bank dan perusahaan lainnya yang berkedudukan di dalam maupun luar negeri. Berikut adalah tabel kepemilikan saham anggota Dewan Komisaris:
BoArD of commissioners shAre ownershiP As of December 31, 2018, each member of the Board of Commissioners does not own shares with ownership reaching 5% of the paid-up capital of the MNC Bank, other banks, non-bank financial institutions and other companies domiciled within and abroad. The following is a table of share ownership of members of the Board of Commissioners:
JenjangJabatan Position
JumlahPejabat
Total Executives
Telah Lulus Sertifikasi Manajemen Risiko (Reguler)Has Passed Risk Management Certification (Regular)
Telah Lulus Sertifikasi Manajemen Risiko (untuk
Komisaris)*Has Passed Risk
Management Certification (for Commissioners)*
Level 5 Level 4 Level 3 Level 2 Level 1 Level2 Level 1
KomisarisBoard of Commissioners 3 2 - - - - - 1
*) Komisaris hanya diwajibkan Sertifikasi Manajemen Risiko (khusus Komisaris) yaitu level 1 dan Level 2
*) Commissioners are only obligated to take Risk Management Certification (specifically for Commissioners) which are level 1 and level 2
224 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
KOMiSAriS indEPEndEnPersentase Komisaris Independen Bank telah ditetapkan paling kurang 50% (lima puluh persen) dari jumlah anggota Dewan Komisaris. Komposisi Dewan Komisaris MNC Bank Per 31 Desember 2018 berjumlah 3 (tiga) Orang, 2 (dua) orang sebagai Komisaris Independen yang berarti 66,6% dari Komisaris yang ada dan telah memenuhi ketentuan Bank Indonesia/ Peraturan OJK.
KriTEriA KOMiSAriS indEPEndEn Kriteria anggota Dewan Komisaris yang juga merupakan Komisaris Independen harus merujuk SEOJK No.13/SEOJK.03/2017 tentang Penerapan Tata Kelola bagi Bank Umum di mana Komisaris Independen adalah anggota Dewan Komisaris yang tidak memiliki hubungan keuangan, hubungan kepengurusan, hubungan kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, Direksi dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, yang dapat mempengaruhi kemampuannya untuk bertindak independen.
Surat Pernyataan Independen telah ditandatangani masing-masing oleh Komisaris Independen MNC Bank pada saat pengangkatan dan didokumentasikan oleh Sekretaris Perusahaan.
inDePenDent commissionerThe percentage of Bank Independent Commissioners has been set at least 50% (fifty percent) of the total members of the Board of Commissioners. The composition of the MNC Bank Board of Commissioners. As of December 31, 2018 amounted to 3 (three) people, 2 (two) as Independent Commissioners which meant that 66.6% of the Commissioners existed and had complied with Bank Indonesia/OJK regulations.
criteriA of inDePenDent commissionerCriteria for members of the Board of Commissioners who are also Independent Commissioners must refer to SEOJK No.13/SEOJK.03/2017 concerning Governance Implementation for Commercial Banks where the Independent Commissioner is a member of the Board of Commissioners who does not have financial relations, management relations, share ownership relationships and/or family relations with other members of the Board of Commissioners, Directors and/or Shareholders Control or relationship with the Bank, which can affect its ability to act independently.
An Independent Statement has been signed by the MNC Bank Independent Commissioner at the time of appointment and documented by the Corporate Secretary.
NamaName
Kepemilikan Saham (dalam lembar) Share Ownership (in shares)
MNC Bank Bank LainOther Banks
Lembaga Keuangan Non Bank
Non Bank Financial Institutions
Perusahaan LainOther Companies
Ponky Nayarana Pudijanto
NihilNil
NihilNil
NihilNil
NihilNil
Peter Fajar NihilNil
NihilNil
NihilNil
NihilNil
Jeny Gono NihilNil
NihilNil
NihilNil
NihilNil
Tabel Kepemilikan Saham Dewan KomisarisTable of Board of commissioners’ Share ownership
225Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
dIrekSIBoard of Directors
Direksi memiliki wewenang dan tanggung jawab penuh terhadap pengurusan untuk kepentingan MNC Bank sesuai dengan maksud dan tujuan serta menjadi perwakilan MNC Bank, baik di dalam maupun di luar pengadilan sesuai dengan ketentuan Anggaran Dasar.
dASAr huKuMDalam melaksanakan tugasnya, MNC Bank memiliki rujukan sebagai berikut: 1. Undang-undang No.40 tahun 2007 tentang Perseroan
Terbatas. 2. Peraturan Otoritas Jasa Keuangan No.33/POJK.04/2014
Tentang Direksi dan Dewan Komisaris Emiten atau Perusahaan Publik (POJK 33/2014)
3. POJK No.55/POJK.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata Kelola bagi Bank Umum, berikut dengan ketentuan pelaksanaannya untuk industri perbankan sebagaimana diatur dalam SEOJK No.13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola bagi Bank Umum.
4. Anggaran Dasar Perseroan.
KriTEriA dirEKSi Sesuai dengan Anggaran Dasar MNC Bank, kriteria anggota Direksi adalah orang perseorangan yang memenuhi persyaratan berikut pada saat diangkat dan selama menjabat: 1. Memiliki akhlak dan integritas; 2. Cakap melakukan perbuatan hukum; 3. Dalam 5 (lima) tahun sebelum pengangkatan: a. Tidak pernah dinyatakan pailit; b. Tidak pernah menjadi anggota Direksi dan/ atau
anggota Dewan Komisaris yang dinyatakan bersalah menyebabkan suatu perusahaan dinyatakan pailit;
c. Tidak pernah dihukum karena tindakan pidana
yang merugikan keuangan negara dan/atau yang berkaitan dengan sektor keuangan; dan
d. Tidak pernah menjadi anggota Direksi dan/atau anggota Dewan Komisaris yang selama menjabat:
1) Pernah tidak mengadakan Rapat Umum Pemegang Saham Tahunan;
2) Pertanggungjawabannya sebagai anggota Direksi dan/atau anggota Dewan Komisaris pernah tidak diterima oleh RUPS atau pernah tidak memberikan pertanggungjawaban sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada RUPS; dan
3) Pernah menyebabkan perusahaan yang memiliki izin, persetujuan, atau pendaftaran dari OJK tidak memenuhi kewajiban untuk memberikan laporan tahunan dan/atau laporan keuangan kepada Otoritas Jasa Keuangan.
The Board of Directors has full authority and responsibility for the management of the interests of MNC Bank in accordance with the aims and objectives as well as being a representative of the MNC Bank, both inside and outside the court in accordance with the provisions of the Articles of Association.
leGAl BAsisIn carrying out its duties, MNC Bank has the following references: 1. Law No. 40 of 2007 concerning Limited Liability
Companies. 2. Financial Services Authority Regulation No.33/
POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies (POJK 33/2014)
3. POJK No.55/POJK.03/2016 dated 7 December 2016 concerning Implementation of Governance for Commercial Banks, along with the provisions for their implementation for the banking industry as stipulated in SEOJK No.13/SEOJK.03/2017 dated March 17, 2017 concerning Implementation of Governance for Commercial Banks.
4. The Company’s Articles of Association.
criteriA of BoArD of DirectorsIn accordance with MNC Bank’s Articles of Association, the criteria for members of the Board of Directors are individuals who meet the following requirements when appointed and during their tenure: 1. Having character and integrity; 2. Able to do legal actions; 3. Within 5 (five) years before appointment: a. Never declared bankrupt; b. Never been a member of the Board of Directors and/
or members of the Board of Commissioners who were found guilty of causing a company to go bankrupt;
c. Never been convicted of a criminal offense that is detrimental to the country’s finances and/or related to the financial sector; and
d. Never been a member of the Board of Directors and/or members of the Board of Commissioners who during his tenure:
1) Never held an Annual General Meeting of Shareholders;
2) Responsibility as a member of the Board of Directors and/or members of the Board of Commissioners has never been accepted by the GMS or has never given responsibility as a member of the Board of Directors and/or members of the Board of Commissioners to the GMS; and
3) Ever caused a company that has permission, approval, or registration from the OJK to not fulfill the obligation to provide annual reports and/or financial reports to the Financial Services Authority.
226 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
4) Memiliki komitmen untuk mematuhi peraturan perundang-undangan; dan
5) Memiliki pengetahuan dan/atau keahlian di bidang yang dibutuhkan Perusahaan.
PEngAngKATAn dAn MASA jABATAn RUPS, dengan wewenangnya, berhak untuk mengangkat Anggota Direksi, untuk jangka waktu 5 (lima) tahun terhitung sejak tanggal pengangkatan yang ditentukan oleh RUPS sampai penutupan RUPS tahunan yang kelima dengan tidak mengurangi hak RUPS untuk memberhentikannya sewaktu-waktu.
Pengangkatan Anggota Direksi oleh RUPS bersifat wajib dengan tetap mengindahkan hasil evaluasi dan rekomendasi dari Komite Nominasi dan Remunerasi MNC Bank. Keputusan RUPS atas pengangkatan anggota Direksi akan berlaku efektif setelah memperoleh persetujuan OJK terkait Penilaian Kemampuan dan Kepatutan yang dilaksanakan. RUPS wajib memberhentikan calon, jika calon yang dimintai persetujuan dan telah diangkat dalam RUPS dimaksud ternyata tidak disetujui oleh OJK, maka RUPS wajib memberhentikan yang bersangkutan. Pemberhentian Jabatan anggota Direksi berakhir, jika:
1. Mengundurkan diri dengan tata cara berdasarkan peraturan yang berlaku.
2. Tidak lagi memenuhi persyaratan peraturan perundang-undangan yang berlaku.
3. Meninggal dunia.
TugAS dAn TAnggung jAwAB 1. Mengoperasikan kepengurusan MNC Bank dengan tujuan
mulia dan penuh tanggung jawab demi kepentingan yang sesuai dengan maksud dan tujuan Perseroan serta menjadi representasi MNC Bank baik di dalam maupun di luar pengadilan sesuai Anggaran Dasar dan peraturan perundang undangan yang berlaku;
2. Setiap anggota Direksi memiliki tanggung jawab penuh secara personal atas kerugian MNC Bank apabila yang bersangkutan terbukti bersalah atau lalai menjalankan tugasnya dengan itikad baik dan penuh tanggung jawab sebagaimana diatur dalam pasal 97 UUPT;
3. Menjaga kesinambungan usaha MNC Bank, mengimplementasikan visi, misi, strategi, sasaran usaha serta rencana jangka panjang dan jangka pendek, memelihara kesehatan MNC Bank sesuai dengan prinsip kehati-hatian, memastikan terlaksananya pengendalian internal dan manajemen risiko, memastikan terlindunginya kepentingan pemangku kepentingan secara wajar dan terpenuhinya prinsip prinsip Tata Kelola dalam pengambilan keputusan dan pengurusan MNC Bank;
4. Menetapkan suatu sistem pengawasan internal yang efektif untuk tercapainya kepastian atas informasi keuangan, efektivitas dan efisiensi proses pengelolaan MNC Bank dan kepatuhan pada peraturan perundang undangan yang berlaku dengan tujuan mengamankan investasi dan aset MNC Bank;
4) Having a commitment to comply with laws and regulations; and
5) Having knowledge and/or expertise in the fields needed by the Company.
APPointment AnD term of officeThe GMS, with its authority, has the right to appoint Members of the Board of Directors, for 5 (five) years from the date of appointment determined by the GMS until the closing of the fifth annual GMS without prejudice to the right of the GMS at any time.
The appointment of members of the Board of Directors by the GMS is mandatory with due regard to the evaluation results and recommendations of the MNC Bank Nomination and Remuneration Committee. The GMS decision on the appointment of members of the Board of Directors will be effective after obtaining OJK approval regarding the Capability and Compliance Assessment carried out. The GMS must dismiss the candidate, if the candidate who is asked for approval and has been appointed in the GMS is apparently not approved by the OJK, the GMS must dismiss the person concerned. Dismissal of positions of members of the Board of Directors ends, if: 1. Resign with procedures based on applicable regulations.
2. No longer meets the requirements of applicable laws and regulations.
3. Passed away
DUties AnD resPonsiBilities 1. Operating the management of MNC Bank with noble and
responsible goals in the interests that are in accordance with the purposes and objectives of the Company and to represent MNC Bank both inside and outside the court in accordance with the Articles of Association and applicable laws and regulations;
2. Each member of the Board of Directors has personal responsibility for the loss of the MNC Bank if the person concerned is found guilty or negligent in carrying out his duties in good faith and responsibly as stipulated in Article 97 of the Company Law;
3. Maintaining MNC Bank’s business continuity, implementing the vision, mission, strategy, business objectives and long-term and short-term plans, maintaining MNC Bank’s health in accordance with the principle of prudence, ensuring the implementation of internal controls and risk management, ensuring the interests of stakeholders fair and fulfilled Governance principles in decision making and management of MNC Banks;
4. Establishing an effective internal supervision system to achieve certainty over financial information, effectiveness and efficiency of the MNC Bank management process and compliance with applicable laws and regulations with the aim of securing MNC Bank investments and assets;
227Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
5. Menindaklanjuti temuan audit dan rekomendasi Internal Audit Grup, auditor eksternal, hasil pengawasan Bank Indonesia dan atau hasil pengawasan otoritas lainnya;
6. Melakukan pengawasan aktif atas penerapan manajemen
risiko yang melekat pada seluruh aktivitas MNC Bank, yang mencakup:
a. Menyusun kebijakan dan strategi manajemen risiko dan eksposure risiko;
b. Bertanggung jawab atas pelaksanaan manajemen risiko dan eksposure risiko;
c. Mengevaluasi dan memutuskan transaksi yang memerlukan persetujuan Direksi.
d. Mengembangkan budaya paham risiko pada seluruh jenjang organisasi;
e. Memastikan peningkatan kompetensi SDM yang terkait dengan manajemen risiko;
f. Memastikan fungsi manajemen risiko telah beroperasi secara independen.
7. Menyusun Rencana Kerja dan Anggaran Tahunan (RKAT) setiap awal tahun sesuai peraturan perundang-undangan dan ditandatangani oleh semua anggota Direksi dan Dewan Komisaris;
8. Menyusun Laporan Keuangan tahunan sesuai peraturan perundang-undangan yang ditandatangani oleh semua anggota Direksi dan Dewan Komisaris untuk diajukan dan mendapat pengesahan dalam RUPS Tahunan;
9. Menyelenggarakan RUPS Tahunan paling lambat 6 (enam) bulan setelah tahun buku berakhir dan Rapat Umum Pemegang Saham Luar Biasa berdasarkan kebutuhan untuk kepentingan MNC Bank;
10. Menjalankan tugas Direksi dengan dibantu oleh komite-komite eksekutif yaitu Komite Manajemen Risiko, Komite ALCO, Komite Manajemen Risiko Terintegrasi, Komite Pengarah Teknologi Informasi, Komite Tata Kelola Produk, Komite Spesial Aset Manajemen, Komite Kredit dan Tim Penanganan Kasus Karyawan;
11. Direksi juga melakukan kunjungan kerja ke cabang-cabang guna memberi dukungan atas pencapaian rencana kerja MNC Bank, yang antara lain dalam bentuk bertemu dengan prospek nasabah di cabangcabang. Selain itu, Direksi juga melakukan internalalisasi/sosialisasi atas penerapan prinsip-prinsip tata kelola perusahaan dan nilai-nilai utama budaya kerja (core values) kepada jajaran karyawan.
Tugas dan tanggung jawab Direksi adalah sebagai berikut: 1. Menjadi representasi dari MNC Bank baik di dalam
maupun di luar pengadilan terkait segala hal dan kejadian yang mengikat MNC Bank dengan pihak lain dan pihak lain dengan MNC Bank, dengan pembatasan sebagai berikut:
a. Untuk melakukan tindakan tersebut dibawah ini disyaratkan persetujuan dari Dewan Komisaris, yakni:
5. Following up on audit findings and recommendations of the Group’s Internal Audit, external auditors, the results of Bank Indonesia’s supervision and or the results of supervision by other authorities;
6. Carrying out active supervision of the implementation of risk management inherent in all MNC Bank activities, including:
a. Developing risk management policies and strategies and risk exposure;
b. Responsible for implementing risk management and risk exposure;
c. Evaluating and decide on transactions that require Board of Directors approval.
d. Developing a culture of understanding risk at all organizational levels;
e. Ensuring improvement of HR competencies related to risk management;
f. Ensuring that the risk management function operates independently.
7. Preparing the Annual Work Plan and Budget (RKAT) at the beginning of each year in accordance with the laws and regulations and signed by all members of the Board of Directors and the Board of Commissioners;
8. Preparing annual financial reports in accordance with laws and regulations signed by all members of the Board of Directors and Board of Commissioners to be submitted and approved at the Annual GMS;
9. Organizing the Annual GMS no later than 6 (six) months after the fiscal year ends and the Extraordinary General Meeting of Shareholders is based on the needs for the benefit of MNC Bank; Ordinary based on needs for the benefit of MNC Bank;
10. Carrying out the duties of the Board of Directors assisted by executive committees, namely the Risk Management Committee, ALCO Committee, Integrated Risk Management Committee, Information Technology Steering Committee, Product Governance Committee, Special Asset Management Committee, Credit Committee and Employee Case Handling Team;
11. The Board of Directors also conducts work visits to branches in order to provide support for the achievement of MNC Bank’s work plan, which among others in the form of meeting customer prospects at branch offices. In addition, the Directors also internalize / socialize the implementation of the principles of corporate governance and the core values of the work culture (core values) to the ranks of employees.
The duties and responsibilities of the Directors are as follows: 1. Be a representative of MNC Bank both inside and outside
the court regarding all matters and events that bind the MNC Bank with other parties and other parties with MNC Bank, with the following restrictions:
a. Carry out the following actions, approval from the Board of Commissioners is required, namely:
228 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
b. Untuk meminjamkan uang atau memberikan fasilitas kredit atau fasilitas perbankan lainnya yang menyerupai atau mengakibatkan timbulnya hak penagihan pinjaman uang kepada pihak terkait/ terafiliasi sesuai ketentuan yang ditetapkan oleh Bank Indonesia.
c. Untuk membeli atau dengan cara lain memperoleh/mendapatkan barang tidak bergerak (termasuk hak atas tanah dan/ atau bangunan) dan/atau perusahaan.
d. Untuk menjual atau dengan cara lain memindahkan hak atas barang tidak bergerak (termasuk hak atas tanah dan/ atau bangunan) dan/atau perusahaan.
e. Untuk membebani hak tanggungan, menggadaikan atau dengan cara lain menjaminkan/mengagunkan kekayaan milik MNC Bank.
f. Mendirikan perusahaan baru, melakukan penyertaan modal atau penambahan penyertaan modal, termasuk menyetujui keputusan tentang dividen saham (stock dividen) yang menyebabkan penambahan penyertaan modal atau melepaskan penyertaan modal atau pengurangan penyertaan modal dalam perusahaan lain sesuai dengan peraturan perundang-undangan.
2. Untuk melakukan tindakan tersebut di bawah ini Direksi wajib mengacu pada ketentuan dan batas yang dari waktu ke waktu ditetapkan oleh Dewan Komisaris, yakni:
a. Untuk meminjamkan uang atau memberikan fasilitas kredit atu fasilitas perbankan lainnya yang menyerupai atau mengakibatkan timbulnya hak penagihan pinjaman uang kepada pihak lain, baik Bank, lembaga keuangan non-Bank perorangan atau pihak lainnya baik di dalam maupun di luar negeri.
b. Untuk mengeluarkan surat jaminan Bank atau dengan cara lain menjadi penjamin atau avalist untuk menjamin pembayaran hutang atau kewajiban keuangan pihak lain.
c. Menghapus bukukan/mengeluarkan piutang MNC Bank dari pembukuan dan melepaskan hak Perseroan untuk menagih piutang macet yang telah dihapuskan bukukan.
3. Direksi wajib meminta persetujuan RUPS untuk mengalihkan, melepaskan hak, atau menjadikan jaminan hutang kekayaan Perseroan yang merupakan lebih dari 50% (lima puluh persen) jumlah kekayaan bersih Perseroan sesuai ketentuan Pasal 102 UUPT dan peraturan perundang-undangan di bidang pasar modal.
4. Presiden Direktur bersama-sama dengan seorang Direktur; atau 2 orang Direktur secara bersama-sama; berhak dan berwenang bertindak untuk dan atau nama Direksi serta mewakili MNC Bank.
5. Pembagian tugas dan wewenang di antara anggota Direksi ditetapkan oleh RUPS. Dalam hal RUPS tidak menetapkan, pembagian tugas dan wewenang tersebut ditetapkan berdasarkan keputusan Direksi.
b. Lend money or provide credit facilities or other banking facilities that resemble or result in the arising of collection rights for loan money to related/affiliated parties in accordance with the provisions stipulated by Bank Indonesia.
c. Purchase or otherwise obtain/get immovable property (including rights to land and/or buildings) and/or companies.
d. Sell or in other ways move rights to immovable property (including rights to land and/or buildings) and/or companies.
e. Encumber mortgages, pawn or otherwise guarantee/guarantee the assets of MNC Bank.
f. Establish a new company, conduct equity participation or increase capital participation, including approving a decision on stock dividends (stock dividends) which causes additional capital participation or releases capital participation or reduces capital participation in other companies in accordance with the laws and regulations.
2. Carry out the actions below, the Board of Directors must refer to the provisions and limits which are determined from time to time by the Board of Commissioners, namely:
a. Lend money or provide credit facilities or other banking facilities that resemble or result in the emergence of collection rights to loan money to other parties, whether banks, non-bank financial institutions, individuals or other parties both at home and abroad.
b. Issue a guarantee letter from the Bank or by other means to become a guarantor or an avalist to guarantee the payment of debt or other party’s financial obligations.
c. Write off/issue MNC Bank receivables from bookkeeping and releasing the Company’s rights to collect bad debts that have been written off.
3. The Board of Directors must request the approval of the GMS to transfer, release rights, or make the guarantee of the Company’s debt payable which is more than 50% (50 per hundred) of the Company’s net assets in accordance with Article 102 of the Company Law and legislation in the capital market sector.
4. The President Director along with a Director; or 2 Directors together; has the right and authority to act for and or the name of the Board of Directors and represent the MNC Bank.
5. Distribution of duties and authority among members of the Board of Directors is determined by the GMS. In the event that the GMS does not stipulate, the division of tasks and authorities is determined based on the decision of the Board of Directors.
229Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
6. Untuk melakukan perbuatan hukum berupa transaksi yang memuat benturan kepentingan ekonomis pribadi anggota Direksi, Dewan Komisaris atau Pemegang Saham Utama, dengan kepentingan ekonomis MNC Bank, Direksi memerlukan persetujuan RUPS dan pemegang saham yang tidak mempunyai benturan kepentingan sebagaimana dimaksud dalam Pasal 12 ayat 8 huruf a, b, c dan Anggaran Dasar MNC Bank.
7. Dalam hal hanya ada seorang anggota Direksi maka segala tugas dan wewenang yang diberikan kepada Presiden Direktur atau anggota Direksi lainnya dalam Anggaran Dasar berlaku pula baginya.
ruAng LingKuP TugAS dirEKSi RUPS menetapkan ruang lingkup tugas setiap anggota Direksi. Direksi dapat memutuskan dalam keputusan Direksi mengenai delegasi wewenang dan tugas anggota Direksi, apabila hal ini tidak dinyatakan oleh RUPS.
Berikut adalah lingkup dan tanggung jawab masing-masing anggota Direksi MNC Bank sebagaimana ditetapkan berdasarkan keputusan Rapat Direksi tanggal 19 Desember 2018 sebagai berikut:
6. Carry out legal actions in the form of transactions containing a conflict of personal economic interests of members of the Board of Directors, Board of Commissioners or Major Shareholders, with MNC Bank’s economic interests, the Board of Directors requires approval from the GMS and shareholders who have no conflict of interest as referred to in Article 12 paragraph 8 letter a, b, c and MNC Bank’s Articles of Association.
7. In the event that there is only one member of the Board of Directors, all duties and authority given to the President Director or other members of the Board of Directors in the Articles of Association shall also apply to him.
scoPe of Directors’ DUtiesThe GMS determines the scope of duties of each member of the Board of Directors. The Board of Directors may decide in the decision-making process of the Board of Directors regarding the delegation of authority and duties of members of the Board of Directors, in the event that this is not stated by the GMS.
The following are the scope and responsibilities of each member of the MNC Bank Board of Directors as stipulated based on the decision of the Board of Directors Meeting on December 19, 2018 as follows:
NamaName
JabatanPosition
Bidang TugasTask Field
Ruang Lingkup TugasScopes of Duties
Mahdan Presiden Direktur*/Direktur KepatuhanPresident Director/Compliance Director
IT, Internal Audit, Corsec, Compliance, Legal
Rita Montagna DirekturDirector
Funding & Operation Funding, Operation
Hermawan DirekturDirector
Finance Finance, Treasury, Admin Credit
Tabel Lingkup dan tanggung Jawab DireksiTabel of Scope of directors’ duties
* Diangkat sebagai Presiden Direktur berdasarkan RUPSLB tanggal 8 Maret 2019 dan baru akan efektif menjabat setelah lulus penilaian kemampuan dan kepatutan OJK. Sampai dengan dinyatakan efektif, yang bersangkutan masih menjabat sebagai Direktur Kepatuhan.
* Appointed as President Director based on EGMS on March 8, 2019 and will effectively serve after passing OJK fit and proper test. Until stated effective, he/she is still a Compliance Director.
PEniLAiAn KinErjA KOMiTE dirEKSi
Sepanjang tahun 2018, Direksi menilai bahwa komite-komite tersebut telah menjalankan tugasnya dengan efisien dan sesuai dengan Pedoman Kerja masing-masing komite. Penilaian ini dilaksanakan berdasarkan laporan kinerja yang disampaikan kepada Direksi.
PerformAnce eVAlUAtion of BoArD of DirectorsThroughout 2018, the Board of Directors considers that these committees have carried out their duties efficiently and in accordance with the Work Guidelines of each committee. This assessment is carried out based on the performance report submitted to the Board of Directors.
230 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
KEPEMiLiKAn SAhAM dirEKSiKepemilikan Saham Direksi Per 31 Desember 2018 kepemilikan saham oleh Direksi MNC Bank adalah sebagai berikut:
Presiden Direktur*/Direktur Kepatuhan Bapak Mahdan
DirekturIbu Rita Montagna Siahaan
Direktur IndependenBapak Hermawan
Director’s shAre owmnershiPDirectors’ Share Ownership As of December 31, 2018 the share ownership of MNC Bank’s Directors is as follows:
President Director*/Compliance Director Bapak Mahdan
DirectorIbu Rita Montagna Siahaan
Independent DirectorBapak Hermawan
KOMPOSiSi Komposisi Direksi per 31 Desember 2018 adalah sebagai berikut:
comPositionBoard of Directors’ composition as of December 31, 2018 is as follows:
PEniLAiAn KEMAMPuAn dAn KEPATuTAn Sebagai pengurus Bank, Direksi diharuskan memenuhi persyaratan integritas, kompetensi dan reputasi keuangan serta memperoleh predikat lulus dalam penilaian kemampuan dan kepatutan yang diselenggarakan oleh OJK sebagaimana tercantum dalam POJK No.27/POJK.03/2016 tentang Penilaian Kemampuan dan Kepatutan bagi Pihak Utama Lembaga Jasa Keuangan (Fit and Proper Test).
Seluruh anggota Direksi MNC Bank telah menjalani rangkaian Penilaian fit and proper, dinyatakan lulus tanpa catatan dan telah mendapat persetujuan dari Bank Indonesia, yang mengindikasikan bahwa setiap anggota Direksi memiliki integritas, kompetensi dan reputasi keuangan yang memadai.
cAPABility AnD comPliAnce AssessmentAs the Bank’s management, the Board of Directors is required to fulfill the requirements of integrity, competence and financial reputation and obtain the title of graduation in the fit and proper test held by the OJK as stated in POJK No.27/POJK.03/2016 concerning Capability and Compliance Assessment for Main Parties of the Financial Services Institution (Fit and Proper Test).
All MNC Bank Directors have undergone a series of fit and proper tests, reportedly passed without records and have been approved by Bank Indonesia, which indicates that each member of the Board of Directors has adequate integrity, competence and financial reputation.
Tabel Penilaiian Kemampuan dan Kepatutan DireksiTable of Appraisal of directors’ capability and compliance
NamaName
JabatanPosition
Pelaksana PemeriksaanEvaluator
Tanggal Efektif PengangkatanEffective Date of Assignment
Mahdan Presiden Direktur*/Direktur KepatuhanPresident Director*/Compliance Director
Otoritas Jasa KeuanganFinancial Service Authority
14 Desember 2018**December 14, 2018**
Rita Montagna DirekturDirector
Otoritas Jasa KeuanganFinancial Service Authority
17 Oktober 2018October 17, 2018
Hermawan DirekturDirector
Otoritas Jasa KeuanganFinancial Service Authority
14 Februari 2019February 14, 2019
* Beliau diangkat sebagai Presiden Direktur PT Bank MNC Internasional Tbk berdasarkan RUPSLB tanggal 8 Maret 2019 dan baru akan efektif setelah dinyatakan lulus penilaian kelayakan dan kepatuhan dari OJK. Sampai dengan dinyatakan lulus penilaian kelayakan dan kepatutan dari OJK, beliau masih menjabat sebagai Direktur Kepatuhan.
** Efektif sebagai Direktur Kepatuhan
* He was appointed as President Director of PT MNC Bank Internasional tbk based on EGMS dated March 8, 2019 and will be effectively serving after passing through OJK fit and proper test. Up to passing the OJK fit and proper test, he is still a Compliance Director.
** Effectively serving as Compliance Director.
231Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
rAngKAP jABATAn dirEKSi Tidak terdapat anggota Direksi MNC Bank yang memiliki rangkap jabatan sebagai Komisaris, Direksi atau Pejabat Eksekutif pada Bank, perusahaan dan atau lembaga lain. Direksi tidak memangku jabatan rangkap sebagai Direktur Utama atau Direktur lainnya pada Badan Usaha Milik Negara, Daerah dan Swasta atau jabatan lain yang berhubungan dengan pengelolaan MNC Bank, maupun jabatan struktural dan jabatan fungsional lainnya pada instansi/lembaga pemerintah pusat dan pemerintah daerah serta jabatan lainnya sesuai dengan ketentuan Anggaran Dasar MNC Bank dan peraturan perundang-undangan lainnya yang berlaku.
PELATihAn PEningKATAn KOMPETEnSi dirEKSi Agar kompetensi dalam pelaksanaan tugas Direksi berkembang, anggota Direksi dapat mengikuti pelatihan atau program peningkatan kompetensi yang diselenggarakan baik internal maupun eksternal. Sepanjang tahun 2018, Direksi telah mengikuti program sebagai berikut:
concUrrent Position of DirectorsThere is no MNC Bank Director who holds concurrent positions as Commissioners, Directors or Executive Officers at Banks, companies and or other institutions. Members of the Board of Directors do not hold concurrent positions as the President Director or other Directors in State-Owned, Regional and Private Business Entities or other positions related to the management of MNC Banks, as well as structural positions and other functional positions in central government and regional government agencies and other positions in accordance with with the provisions of the MNC Bank’s Articles of Association and other applicable laws and regulations.
Directors comPetency enhAncement trAininGIn order for competencies in carrying out the duties of the Board of Directors to develop, members of the Board of Directors can attend training or competency improvement programs that are held both internally and externally. Throughout 2018, the Directors have participated in the program as follows:
Tabel Kepemilikan Saham DireksiTable of director’s Share ownership
Tabel Pelatihan Peningkata Kompetensi Direksitable of director’s competency Enchancement Trainning
NamaName
Kepemilikan Saham (dalam lembar) Share Ownership (in shares)
MNC Bank Bank LainOther Banks
Lembaga Keuangan Non BankNon Bank Financial Institutions
Perusahaan LainOther Companies
Mahdan NihilNil
NihilNil
NihilNil
NihilNil
Rita Montagna NihilNil
NihilNil
NihilNil
NihilNil
Hermawan NihilNil
NihilNil
NihilNil
NihilNil
No Tanggal MulaiStart Date
Nama PelatihanTraining Title
InstitusiInstitution
NamaName
1 19 April, 2018
April 19, 2018
Sosialisasi Program Tabungan Arisan Nasional 2018 (Area Jabodetabek)
Socialization of the National Arisan Savings Program 2018 (Jabodetabek Area)
MNC Bank Rita Montagna Siahaan
2 4 May 2018May 4, 2018
Manager Forum “Strategic Business Turnaround –Case Study 2”
MNC Group Rita Montagna Siahaan
3 7 Juni 2018June 7, 2018
Manager Forum “Strategic Business Turnaround –Case Study 3”
MNC Group Rita Montagna Siahaan
4 5 Juli 2018July 5, 2018
Sertifikasi Manajemen Risiko (level 5)Risk Management Certification (level 5)
GPS Rita Montagna Siahaan
5 27 Juli 2018July 27, 2018
Manager Forum “Strategic Business Turnaround –Case Study 4”
MNC Group Rita Montagna Siahaan
6 7 Februari 2018February 7, 2018
PSAK 71 Pricewaterhouse Coopers Hermawan
232 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
SErTiFiKASi MAnAjEMEn riSiKO Direksi juga berpartisipasi dalam program Sertifikasi Manajemen Risiko. Pada periode 2018, Direksi yang telah lulus sertifikasi manajemen risiko sebagai berikut.
risk mAnAGement certificAtionThe Directors also participate in the Risk Management Certification program. In 2018, the Directors who have passed risk management certification are as follows.
Level Sertifikasi/ Certificataion
Level Jumlah Personil / Total Personnel
Status Pemenuhan / Fulfillment
Status
Status Pemenuhan Sertifikasi (Jumlah Karyawan)/ Certification Fulfillment Status (Total Employees)
Belum Memiliki / Have not Obtained
Yet
Level 1 Level 2 Level 3 Level 4 Level 5 Total
Level 1 310 283 27 4 - - 1 - 27
Level 2 85 85 - - - - - - -
Level 3 62 59 - 1 2 - - - 3
Level 4 19 19 - - - - - - -
Level 5 2 2 - - - - - - -
Total 478448 30
93,73% 6,27%
No Tanggal MulaiStart Date
Nama PelatihanTraining Title
InstitusiInstitution
NamaName
7 20 Februari 2018February 20, 2018
Sertifikasi Manajemen Risiko (level 4) DireksiRisk Management Certification (level 4) of the Directors
GPS Hermawan
8 29 Maret 2018March 29, 2018
Manager Forum “Strategic Business Turnaround -GO PUBLIC”
MNC Group Hermawan
9 4 Mei 2018May 4 2018
Manager Forum “Strategic Business Turnaround –Case Study 2”
MNC Group Hermawan
10 7 Juni 2018June 7, 2018
Manager Forum “Strategic Business Turnaround –Case Study 3”
MNC Group Hermawan
11 27 Juli 2018July 27, 2018
Manager Forum “Strategic Business Turnaround –Case Study 4”
MNC Group Hermawan
12 30 Juli 2018July 20, 2018
Program Konversi CPAI ke CPACPAI Conversion Program to CPA
Institute Akuntan Publik Indonesia (IAPI)
Hermawan
13 1 September - 1 November 2018September 1 - November 1, 2018
Pelatihan Persiapan Ujian Sertifikasi CPMA ReviewTraining for CPMA Review Certification Exam Preparation
Pusat Pengembangan Akuntansi Fakultas Ekonomi
dan Bisnis Universitas Indonesia (PPA FFB)
Accounting Development Center, Faculty of Economics and Business, University of
Indonesia (PPA FFB)
Hermawan
14 25 Oktober 2018October 25, 2018
Manager Forum “Industry 4.0 – Get Ready to Disruptive Technology”
MNC Group Hermawan
233Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
penIlaIan penerapan tata kelola 2018terhadap deWan komISarIS dan dIrekSIGCG Assessment in 2018 for Board of Commissioners and Board of Directors
Sesuai dengan POJK No.55/POJK.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata Kelola bagi Bank Umum, salah satu refleksi dari penerapan prinsip-prinsip Tata Kelola adalah pelaksanaan tugas dan tanggung jawab Direksi dan Dewan Komisaris. Penilaian terhadap Penerapan Tata Kelola terhadap Dewan Komisaris dan Direksi dilakukan secara komprehensif dan terstruktur yang diintegrasikan menjadi 3 (tiga), di antaranya aspek governance yang terdiri dari governance structure, governance process dan governance outcome, sebagai suatu proses yang berkesinambungan.
KEBijAKAn PEniLAiAn KinErjA dEwAn KOMiSAriS dAn dirEKSi
Kebijakan POJK No.34/POJK.04/2014 tentang Komite Nominasi menjadi dasar kebijakan penilaian kinerja anggota Direksi dan Dewan Komisaris, di mana Komite Nominasi dan Remunerasi MNC Bank melakukan evaluasi atas Key Performance Indicators (KPI) dari Direksi dan Dewan Komisaris.
Penilaian Kinerja dewan Komisaris Pelaksanaan penilaian kinerja Dewan Komisaris mengacu pada pelaksanaan tugas dan tanggung jawab sebagaimana telah tercantum dalam Anggaran Dasar MNC Bank serta Pedoman dan Tata Kerja Dewan Komisaris, termasuk juga keselarasan kinerja dengan visi dan misi MNC Bank serta implementasi Tata Kelola.
Penilaian kinerja Dewan Komisaris dilaksanakan oleh RUPS.
Pihak yang Melakukan Penilaian Kinerja dewan Komisaris Dewan Komisaris melakukan penilaian kinerja Dewan Komisaris sendiri dan merupakan salah satu agenda rapat Komite Nominasi dan Remunerasi yang menentukan keputusan remunerasi yang diberikan. Selanjutnya, pemegang saham, melalui RUPST, mengevaluasi kinerja Dewan Komisaris. Evaluasi kinerja didasarkan pada keselarasan kinerja dengan visi dan misi Perseroan serta implementasi Tata Kelola.
PEniLAiAn KinErjA dirEKSi Secara umum, kinerja anggota Direksi dinilai berdasarkan pelaksanaan visi dan misi Bank serta prinsip-prinsip Tata Kelola. Dewan Komisaris melakukan evaluasi kinerja secara berkala atas pencapaian target Bank, terutama realisasi Rencana Bisnis Bank, pelaksanaan keputusan-keputusan RUPS dan implementasi rencana jangka panjang Bank, yang dituangkan dalam Key Performance Indicators (KPI) tahun berjalan.
Pursuant to POJK No.55/POJK.03/2016 dated December 7, 2016 concerning Implementation of Governance for Commercial Banks, one reflection of the application of the principles of Governance is the implementation of the duties and responsibilities of the Board of Directors and Commissioners. The assessment of the Implementation of Governance towards the Board of Commissioners and Directors is carried out comprehensively and structurally which is integrated into 3 (three), including aspects of governance which consist of governance structure, governance process and governance outcome, as a continuous process.
PerformAnce Assessment Policy of BoArDs of commissioners AnD Directors
PolicyPOJK No.34/POJK.04/2014 concerning the Nomination Committee is the basis of the policy for evaluating the performance of members of the Board of Directors and Board of Commissioners, in which the Nomination and Remuneration Committee of the MNC Bank evaluates the Key Performance Indicators (KPI) of the Directors and Board of Commissioners.
Performance evaluation of the Board of commissionersThe performance evaluation of the Board of Commissioners refers to the implementation of duties and responsibilities as stipulated in the MNC Bank’s Articles of Association as well as the Board of Commissioners Guidelines and Work Procedures, including the alignment of performance with MNC Bank’s vision and mission and implementation of Governance.
The performance evaluation of the Board of Commissioners is carried out by the GMS.
the party conducting the Board of commissioners’ Performance evaluationThe Board of Commissioners evaluates the performance of the Board of Commissioners themselves and is one of the Nomination and Remuneration Committee meeting agenda that determines the remuneration decisions given. Furthermore, shareholders, through the AGMS, evaluate the performance of the Board of Commissioners. Performance evaluation is based on alignment of performance with the Company’s vision and mission as well as the implementation of Governance.
Directors PerformAnce AssessmentIn general, the performance of members of the Board of Directors is assessed based on the implementation of the Bank’s vision and mission as well as the principles of Governance. The Board of Commissioners periodically evaluates performance for the achievement of the Bank’s targets, especially the realization of the Bank’s Business Plan, implementation of GMS decisions and implementation of the Bank’s long-term plans, which are outlined in the current Key Performance Indicators (KPI).
234 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Dengan dukungan rekomendasi Komite Nominasi dan Remunerasi, Dewan Komisaris melaksanakan penilaian terhadap kinerja anggota Direksi. Dewan Komisaris bertanggung jawab atas hasil penilaiannya yang kemudian menjadi bahan pertimbangan pemegang saham dalam pembuatan keputusan dalam RUPS.
Pihak yang Memberikan Penilaian Kinerja direksiPenilaian kinerja anggota Direksi dilaksanakan oleh Dewan Komisaris dengan didukung rekomendasi Komite Nominasi dan Remunerasi. Dasar evaluasi kinerja mengacu pada pencapaian target yang telah ditetapkan, keselarasan kinerja dengan visi dan misi Perseroan serta implementasi Tata Kelola. Dewan Komisaris bertanggung jawab atas hasil penilaiannya yang kemudian menjadi bahan pertimbangan pemegang saham dalam pembuatan keputusan dalam RUPS.
With the support of the Nomination and Remuneration Committee’s recommendations, the Board of Commissioners conducts an assessment of the performance of the members of the Board of Directors. The Board of Commissioners is responsible for the results of the assessment which then becomes the material consideration of the shareholders in making decisions at the GMS.
Parties Providing Directors Performance AssessmentThe performance evaluation of members of the Board of Directors is carried out by the Board of Commissioners supported by the recommendations of the Nomination and Remuneration Committee. The basis of performance evaluation refers to the achievement of predetermined targets, alignment of performance with the vision and mission of the Company and implementation of Governance. The Board of Commissioners is responsible for the results of the assessment which then becomes the material consideration of the shareholders in making decisions at the GMS.
kebIjakan reMunerasI DewankomISarIS dan dIrekSIRemuneration Policy of Board of Commissioners and Directors
KEBijAKAn dAn PrOSEdur rEMunErASi dEwAn KOMiSAriS MNC Bank memiliki Kebijakan Remunerasi bagi Dewan Komisaris. Dalam hal ini, Komite Nominasi dan Remunerasi memiliki peran untuk menilai dan mengevaluasi kebijakan remunerasi yang didasarkan atas kinerja, kewajaran dengan peer group, sasaran dan strategi jangka panjang Bank serta pemenuhan cadangan dan potensi pendapatan Bank pada masa yang akan datang.
Dewan Komisaris menerima hasil evaluasi dan rekomendasi dari Komite Nominasi dan Remunerasi mengenai kebijakan remunerasi Direksi dan Dewan Komisaris untuk disampaikan kepada RUPS.
STruKTur rEMunErASi Berdasarkan Anggaran Dasar MNC Bank dan Piagam Komite Nominasi dan Remunerasi, komponen remunerasi anggota Dewan Komisaris terdiri dari gaji, honorarium, insentif dan/atau tunjangan yang bersifat tetap dan/atau variabel.
remUnerAtion Policies AnD ProceDUres of BoArD of commissionersMNC Bank has a Remuneration Policy for the Board of Commissioners. In this case, the Nomination and Remuneration Committee has a role to assess and evaluate remuneration policies based on performance, fairness with the peer group, the Bank’s long-term goals and strategies and the fulfillment of the Bank’s future reserves and potential income.
The Board of Commissioners accepts the evaluation results and recommendations from the Nomination and Remuneration Committee regarding the remuneration policies of the Board of Directors and the Board of Commissioners to be submitted to the GMS.
remUnerAtion strUctUrePursuant to MNC Bank’s Articles of Association and the Nomination and Remuneration Committee Charter, the remuneration component of members of the Board of Commissioners consists of fixed and/or variable salaries, honorariums, incentives and/or benefits.
235Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel Struktur RemunerasiTable remuneration Structure
juMLAh rEMunErASi dEwAn KOMiSAriSDewan Komisaris menerima remunerasi dalam bentuk honorarium dan/atau tunjangan lainnya. Jumlah remunerasi dan tunjangan yang diberikan kepada anggota Dewan Komisaris pada tahun 2018 adalah sebesar Rp 1.830 juta .
Jenis remunerasi dan fasilitas lain bagi seluruh anggota Dewan Komisaris yang mencakup jumlah anggota dan jumlah seluruh paket/kebijakan remunerasi dan fasilitas lain, adalah:
totAl remUnerAtion of BoArD of commissionersThe Board of Commissioners receives remuneration in the form of honorarium and/or other benefits. The amount of remuneration and benefits given to members of the Board of Commissioners in 2018 amounted to Rp1,830 million
The types of remuneration and other facilities for all members of the Board of Commissioners that cover the number of members and the total number of remuneration packages/ policies and other facilities are:
No KomponenComponents
RincianDetail
1Remunerasi yang bersifat tetapFixed Remuneration
Diberikan dalam bentuk tunai yang dapat juga disertai dengan pemberian dalam bentuk tidak tunai.Given in a form of cash that can be accompanied with distribution in a non-cash form.
2 Remunerasi yang bersifat variabelVariable Remuneration
Diberikan dalam bentuk tunai dan/atau saham atau instrumen yang berbasis saham yang diterbitkan Bank.Given in a form of cas/shares or stock-based instruments issued by the Bank.
Jenis Remunerasi dan Fasilitas *)Types of Remuneration and Facilities *)
Jumlah Yang Diterima Dewan Komisaris Dalam 1 (Satu) TahunAmount Received by the Board of Commissioners in 1 (One) Year
KomisarisBoard of Commissioners
OrangPerson
JutaMillion (Rp)
Remunerasi dalam bentuk non-naturaRemuneration in non-natura 3 1,830
Fasilitas lain dalam bentuk natura yang:Other facilities in natura, which: -
1. Dapat dimilikiCan be owned
2. Tidak dapat dimilikiCannot be owned
JumlahTotal 3 1,830
Remunerasi dalam satu tahun dikelompokkan dalam kisaran tingkat penghasilan adalah sebagai berikut.
Remuneration in one year is grouped in the range of income levels as follows.
Jumlah Remunerasi per Orang dalam 1 (Satu) Tahun *)Total Remuneration per Person in 1 (One) Year *)
Jumlah Dewan KomisarisTotal Board of Commissioners
Di atas Rp2 miliarAbove Rp2 billion -
Di atas Rp1 miliar s.d. Rp2 miliarAbove Rp1 billion to Rp2 billion -
Di atas Rp500 juta s.d. Rp1 miliarAbove Rp500 million to Rp1 billion -
Rp500 juta ke bawahbelow Rp500 million 3
Keterangan:* Yang diterima secara tunai.
Description:* Received in cash.
236 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
KEBijAKAn dAn PrOSEdur rEMunErASi dirEKSi
MNC Bank memiliki kebijakan Remunerasi bagi Direksi Perseroan. Penetapan remunerasi kepada direksi didasarkan pada kinerja, yaitu kinerja Bank, kinerja unit, dan kinerja individu, serta tugas dan tanggung jawab dalam organisasi (pay for position).
Evaluasi kebijakan remunerasi Direksi dilaksanakan oleh Komite Nominasi dan Remunerasi dengan didasarkan atas, kinerja kewajaran dengan peer group, sasaran dan strategi jangka panjang Bank, serta pemenuhan cadangan dan potensi pendapatan Bank pada masa yang akan datang. Komite Nominasi dan Remunerasi juga menyampaikan hasil evaluasi dan rekomendasi kepada Dewan Komisaris mengenai kebijakan remunerasi Direksi dan Dewan Komisaris untuk disampaikan kepada RUPS.
STruKTur rEMunErASi Berdasarkan Anggaran Dasar MNC Bank dan Piagam Komite Nominasi dan Remunerasi, komponen remunerasi anggota Direks terdiri dari gaji, honorarium, insentif, dan/atau tunjangan yang bersifat tetap dan/atau variabel.
remUnerAtion Policies AnD ProceDUres of BoArD of DirectorsMNC Bank has a Remuneration policy for the Company’s Directors. Determination of remuneration to the Board of Directors refers to Bank, unit and individual performance as well as duties and responsibilities in the organization.
The Nomination and Remuneration Committee evaluates the remuneration policy of the Board of Directors based on the fairness performance of the peer group, the Bank’s long-term goals and strategies, the fulfillment of the Bank’s future reserves and potential income. The Nomination and Remuneration Committee also presents the results of evaluations and recommendations to the Board of Commissioners regarding the remuneration policies of the Board of Directors and the Board of Commissioners to be submitted to the GMS.
remUnerAtion strUctUreBased on MNC Bank’s Articles of Association and the Nomination and Remuneration Committee Charter, the components of remuneration for directors can consist of fixed and or variable salaries, honorariums, incentives and/or benefits.
Struktur remunerasi dan fasilitas lain bagi Direksi adalah sebagai berikut
The remuneration structure and other facilities for the Directors are be presented as follows:
Jenis Remunerasi dan FasilitasTypes of Remuneration and Facilities
Jumlah Yang Diterima Direksi Dalam 1 (Satu) TahunAmount Received by the Board of Directors in 1 (One) Year
DireksiBoard of Directors
Orang Person
JutaMillion (Rp)
Remunerasi dalam bentuk non-naturaRemuneration in non-natura 2 6,705
Fasilitas lain dalam bentuk natura yang:Other facilities in natura, which:
1. Dapat dimilikiCan be owned - -
2. Tidak dapat dimilikiCannot be owned - -
JumlahTotal 2 6,705
Tabel Struktur Remunerasi dan Fasilitas Lain DireksiTable Board of directors remuneration and other facilites Structure
No. KomponenComponent
RincianDetail
1Remunerasi yang bersifat tetapFixed Remuneration
Diberikan dalam bentuk tunai yang dapat juga disertai dengan pemberian dalam bentuk tidak tunai.Provided in cash which can also be accompanied by gifts in cash.
2 Remunerasi yang bersifat variableVariable Remuneration
Diberikan dalam bentuk tunai dan/atau saham atau instrumen yang berbasis saham yang diterbitkan Bank.Provided in the form of cash and/or shares or stock-based instruments issued by the Bank.
237Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
rEMunErASi dirEKSi Jumlah remunerasi dan tunjangan yang diberikan kepada anggota Direksi pada tahun 2018 adalah sebesar Rp705 juta
Remunerasi dalam satu tahun dikelompokkan dalam kisaran tingkat penghasilan adalah sebagai berikut
Directors remUnerAtion strUctUreBoard of Directors Remuneration The amount of remuneration and allowances given to members of the Board of Directors in 2018 is Rp705.
Remuneration in one year is grouped in the range of income levels as follows:
huBungAn AnTArA rEMunErASi dEngAn KinErjA PErSErOAnSelain mempertimbangkan tugas dan tanggung jawab dalam organisasi, kinerja Bank juga menjadi salah satu kriteria dalam penentuan remunerasi bagi anggota Direksi. Kinerja diukur berdasarkan kinerja Bank, kinerja unit dan kinerja individu.
relAtion Between remUnerAtion AnD comPAny PerformAnceIn addition to considering the duties and responsibilities in the organization, the Bank’s performance is also one of the criteria in determining remuneration for members of the Board of Directors. Performance is measured based on Bank performance, unit performance and individual performance.
Jumlah Remunerasi per Orang dalam 1 (Satu) Tahun *)Total Remuneration per Person in 1 (One) Year *)
Jumlah DireksiTotal Board of Directors
Di atas Rp2 miliarAbove Rp2 billion -
Di atas Rp1 miliar s.d. Rp2 miliarAbove Rp1 billion to Rp2 billion 1
Di atas Rp500 juta s.d. Rp1 miliarAbove Rp500 million to Rp1 billion -
Rp500 juta ke bawahbelow Rp500 million 1
Keterangan:* Yang diterima secara tunai | received in cash
Description:* Received in cash
238 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
rapat DewankomISarISMeetings of Board of Commissioners
KEBijAKAn rAPAT dEwAn KOMiSAriS Anggaran Dasar dan POJK 33/2014 merupakan acuan dalam Kebijakan Rapat Dewan Komisaris, di mana Dewan Komisaris wajib melaksanakan rapat Dewan Komisaris secara berkala paling kurang 1 (satu) kali dalam 2 (dua) bulan.
Rapat Dewan Komisaris dilaksanakan oleh anggota Dewan Komisaris sendiri ataupun dapat dihadiri oleh anggota Direksi sesuai undangan.
FrEKuEnSi dAn KEhAdirAn rAPAT dEwAn KOMiSAriSSelama tahun 2018, telah dilaksanakan sebanyak 2 (dua) kali rapat Dewan Komisaris dengan mata acara dan frekuensi kehadiran sebagai berikut:
Mata Acara rapat
BoArD of commissioners meetinG PolicyThe Articles of Association and POJK 33/2014 are the references in the Board of Commissioners’ Meeting Policy, in which the Board of Commissioners must conduct Board of Commissioners meetings at least 1 (one) time in 2 (two) months.
The Board of Commissioners’ meetings are held by members of the Board of Commissioners themselves or can be attended by members of the Board of Directors according to the invitation.
freQUency AnD AttenDAnce of BoArD of commissioners’ meetinGsThroughout 2018, there were 2 (two) Board of Commissioners meetings held with the agenda and frequency of attendance as follows:
meeting Agenda
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
1 Maret 2018March 1, 2018
Pesan dari Presiden KomisarisMessage from the President Commissioner
Laporan ManajemenManagement Report
1. Update dari Presiden DirekturUpdate from the President Director
2. NPL dan AYDA UpdateNPL and AYDA Update
Laporan Direksi Entitas Utama mengenai Tata Kelola Terintegrasasi Konglomerasi KeuanganReport of the Board of Directors of the Main Entity concerning Integrated Management of the Financial Conglomerate
29 Maret 2018March 28, 2018
Pesan dari Presiden KomisarisMessage from the President Commissioner
Laporan ManajemenManagement Report
1. Update BMPKUpdate on BMPK
2. Retail & Funding Business UpdateRetail & Funding Business Update
3. Consumer Lending Business UpdateConsumer Lending Business Update
4. NPL & AYDANPL & AYDA
No JabatanPosition
KehadiranAttendace
01-Mar 29-Mar Total
1 Eko B. Supriyanto * 1 1 2
2 Purnadi Harjono 0 0 0
3 Rusli Witjahjono * 1 1 2
Daftar Kehadiran Rapat Dewan Komisaris List of Attendance of the Board of commissioners’ Meeting
* efektif per 31 Mei 2018 sudah tidak menjabat * he was no longer serving effective as of May 31, 2018
239Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
rAPAT gABungAn dEwAn KOMiSAriS dAn dirEKSi
Kebijakan rapat Merujuk pada POJK 33/2014, Dewan Komisaris diwajibkan menggelar rapat gabungan dengan Direksi yang dilaksanakan setidaknya 1 (satu) kali dalam 4 (empat) bulan untuk memperoleh laporan evaluasi kinerja periode bulanan, pencapaian Rencana Bisnis Bank dan hal-hal lain yang memerlukan keputusan dari Dewan Komisaris dan/ atau arahan serta pandangan dari Dewan Komisaris.
Frekuensi dan Kehadiran Selama tahun 2018, Dewan Komisaris telah mengadakan Rapat Gabungan dengan Direksi sebanyak 3 kali dengan agenda rapat, frekuensi dan kehadiran sebagai berikut:
Mata Acara rapat
BoArD of commissioners AnD BoArD of Directors Joint meetinGsmeeting PolicyReferring to POJK 33/2014, the Board of Commissioners is required to hold joint meetings with the Board of Directors held at least 1 (one) time in 4 (four) months to obtain a monthly period performance evaluation report, achievement of the Bank’s Business Plan and other matters that require a decision from Board of Commissioners and/or direction and views from the Board of Commissioners.
frequency and Attendance Throughout 2018, the Board of Commissioners held 3 Joint Meetings with the Board of Directors, frequency and attendance as follows:
Agenda of the meeting
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
29 Januari 2018January 29, 2018
Pembahasan ManagementManagement Discussion
Flash Report Per Januari 2018Flash Report As of January 2018
Update Pelaksanaan Audit Laporan Keuangan TahunanAnnual Financial Report Audit Update
Business UpdateBusiness Update
Funding Business UpdateFunding Business Update
Consumer Lending Business UpdateConsumer Lending Business Update
Operation UpdateOperation Update
NPL & AYDA UpdateNPL & AYDA Update
HR UpdateHR Update
Laporan Direktur Entitas Utama mengenai Tata Kelola Terintegrasi KonglomerasiReport of the Main Entity Director on Conglomerate Integrated Governance
Rekomendasi Dewan KomisarisBoard of Commissioner Recommendation
14 Mei 2018May 14, 2018
Pembahasan ManajemenManagemen Discussion
Business UpdateBusiness Update
Funding Business UpdateFunding Business Update
Consumer Lending Business Update
SAM & Recovery UpdateSAM & Recovery Update
Operation UpdateOperation Update
Laporan Direktur Entitas Utama mengenai Tata Kelola Terintegrasi KonglomerasiReport of the Main Entity Director on Conglomerate Integrated Governance
240 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
31 Oktober 2018October 31, 2018
Pembahasan ManajemenManagemen Discussion
Flash ReportFlash Report
Business UpdateBusiness Update
Funding Business UpdateFunding Business Update
Consumer Lending Business UpdateConsumer Lending Business Update
Wholesale & SME Business UpdateWholesale & SME Business Update
SAM & Recovery UpdateSAM & Recovery Update
HR UpdateHR Update
Update mengenai Tata Kelola Terintegrasi KonglomerasiUpdate on Conglomerate Integrated Governance
Tabel Daftar Kehadiran Rapat Gabungan Dewan Komisaris dan DireksiTabel Attendance List of Joint Meetings of the Board of commissioners and directors
NamaName
JabatanPosition
Jumlah RapatNumber of Meetings
Jumlah KehadiranAttendance
Eko B. Supriyanto*Presiden Komisaris Independen
Independent President Commissioner 3 3
Rusli Witjahjono*Komisaris Independen
Independent Commissioner 3 3
Purnadi HarjonoKomisaris
Commissioner - -
Benny Purnomo*Presiden DirekturPresident Director 3 3
Nerfita Primasari*DirekturDirector 3 3
Widiatama Bunarto**DirekturDirector 3 3
Chisca Mirawati*** Direktur KepatuhanCompliance Director 3 3
* Efektif per 31 Mei 2018 sudah tidak menjabat** Efektif per 28 Agusutus sudah tidak menjabat*** Efektif per 13 Desember 2018 sudah tidak menjabat
* As of May 31, 2018, effectively not serving** As of August 28,2018 effectively not serving*** As of 13 Desember, 2018 effectively not serving
241Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Anggaran Dasar dan POJK 33/2014 merupakan acuan dalam Kebijakan Rapat Dewan Komisaris, di mana Direksi wajib melaksanakan rapat Direksi secara berkala paling kurang 1 (satu) kali dalam 1 (satu) bulan dan/atau dapat dilakukan setiap waktu sesuai dengan kebutuhan.
FrEKuEnSi dAn KEhAdirAn Selama tahun 2018, Rapat Direksi telah dilaksanakan sebanyak 32 (tiga puluh dua) kali dengan agenda rapat, frekuensi dan kehadiran sebagai berikut:
Mata Acara rapat
Article of Association and POJK 33/2014 is a a reference of the meeting policy of Board of Commissioners, in which Board of Directors is obliged to carry out meetings of Directors periodically for at least less than 1 (one) time in 1 (one) month and/or it can be carried out anytime as needed.
freQUency AnD AttenDAnce Throughout 2018, meetings of the Board of Directors have been carried out for 32 (thirty two) times with meeting agendas, frequency and attendance as follows:
Agenda of meetings
rapatdIrekSIMeetings of Board of Directors
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
8 Januari 2018January 8, 2018
Pesan dari Presiden DirekturPresiden Director’s Message
Consumer Lending Business Head up dateConsumer Lending Business Head up date
SAM & Recovery Business Head up dateSAM & Recovery Business Head up date
HR up dateHR up date
GS up date : Head Office SeatGS up date : Head Office Seat
Lain-lainOthers
15 Januari 2018January 15, 2018
Presiden Direktur UpdateThe Board of Director Update
Business update:Business update:
1. Funding BusinessFunding Business
2. Consumer Lending BusinessFunding Business
SAM & Recovery UpdateSAM & Recovery Update
Compliance Director UpdateCompliance Director Update
HR Director UpdateHR Director Update
22 Januari 2018January 22, 2018
Presiden Direktur UpdateThe Board of Director Update
Compliance Director UpdateCompliance Director Update
Business update:Business update:
1. Funding BusinessFunding Business
2. Lending BusinessLending Business
SAM & Recovery updateSAM & Recovery Update
242 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
Operation & IT Director UpdateOperation & IT Director Update
HR & General Services Director UpdateHR & General Services Director Update
5 Februari 2018February 5, 2018
Presiden Direktur UpdateThe Board of Director Update
Compliance Director UpdateCompliance Director Update
Business Update:Business Update:
1. Funding BusinessFunding Business
2. Lending BusinessLending Business
SAM & Recovery UpdateSAM & Recovery Update
Operation & IT Director UpdateOperation & IT Director Update
HR & General Services Director UpdateHR & General Services Director Update
12 Februari 2018February 12, 2018
Presiden Direktur UpdateThe Board of Director Update
Compliance Director UpdateCompliance Director Update
Business UpdateBusiness update
Funding Business UpdateFunding Business Update
Consumer Lending Business UpdateConsumer Lending Business Update
NPL UpdateNPL Update
Operation & IT Director UpdateOperation & IT Director Update
HR & General Services Director UpdateHR & General Services Director Update
19 Februari 2018February 19, 2018
Presiden Direktur UpdateThe Board of Director Update
Pengajuan Proposal Wholesale BankingSubmission of Wholesale Banking Proposal
Business UpdateBusiness Update:
1. Consumer Lending Business UpdateConsumer Lending Business Update
2. Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
Operation & IT Director UpdateOperation & IT Director Update
HR & General Services Director UpdateHR & General Services Director Update
243Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
26 Februari 2018February 26, 2018
Presiden Direktur UpdateThe Board of Director Update
Business Update:Business Update:
1. Funding Business Update – Branch NetworkFunding Business Update - Branch Network
SAM & Recovery UpdateSAM & Recovery Update
5 Maret 2018March 5, 2018
Presiden Direktur UpdateThe Board of Director Update
Business UpdateBusiness Update
Funding Business UpdateFunding Business Update
Consumer Lending Business UpdateConsumer Lending Business Update
Compliance Director UpdateCompliance Director Update
1. Update mengenai Tata Kelola Terintegrasi KonglomerasiUpdate on Conglomerate Integrated Governance
SAM & Recovery UpdateSAM & Recovery Update
Operation & IT Director UpdateOperation & IT Director Update
12 Maret 2018March 12, 2018
Presiden Direktur UpdateThe Board of Director Update
Flash Report Februari 2018February 2018 Flash Report
Business UpdateBusiness Update
Funding Business UpdateFunding Business Update
Wholesale & SME Banking UpdateWholesale & SME Banking Update
Consumer Lending Business UpdateConsumer Lending Business Update
SAM & Recovery UpdateSAM & Recovery Update
Operation & IT Director UpdateOperation & IT Director Update
19 Maret 2018Match 19, 2018
Presiden Direktur UpdateThe Board of Director Update
Persetujuan pelaksanaan Right IssueApproval of the implementation of Right Issue
Business UpdateBusiness Update:
1. Funding Business UpdateFunding Business Update
2. Consumer Lending Business UpdateConsumer Lending Business Update
244 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
SAM & Recovery UpdateSAM & Recovery Update
26 Maret 2018March 26, 2018
Presiden Direktur UpdateThe Board of Director Update
Flash Report Maret 2018March 2018 Flash Report
Business UpdateBusiness Update
Funding Business UpdateFunding Business Update
Consumer Lending Business UpdateConsumer Lending Business Update
SAM & Recovery UpdateSAM & Recovery Update
Compliance Director UpdateCompliance Director Update
2 April 2018April 2, 2018
Presiden Direktur UpdateThe Board of Director Update
Business Update:Business Update:
1. Lending Lending
2. FundingFunding
SAM & Recovery UpdateSAM & Recovery Update
Compliance UpdateCompliance Update
Operation & IT UpdateOperation & IT Update
HR & GS UpdateHR & GS Update
9 April 2018April 9, 2018
Presiden Direktur UpdateThe Board of Director Update
Business Update:Business Update:
1. Lending Lending
2. FundingFunding
SAM & Recovery UpdateSAM & Recovery Update
Compliance UpdateCompliance Update
Operation & IT UpdateOperation & IT Update
HR & GS UpdateHR & GS Update
245Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
23 April 2018April 23, 2018
Presiden Direktur UpdateThe Board of Director Update
Business Update:Business Update:
1. Lending Lending
2. FundingFunding
SAM & Recovery UpdateSAM & Recovery Update
Compliance UpdateCompliance Update
Operation & IT UpdateOperation & IT Update
HR & GS UpdateHR & GS Update
30 April 2018April 30, 2018
Diskusi ManajemenManagement Discussion
TreasuryTreasury
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
7 Mei 2018May 7, 2018
Diskusi ManajemenManagement Discussion
TreasuryTreasury
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
Operation & IT Director UpdateOperation & IT Director Update
Pengembangan system FXDevelopment of FX System
21 Mei 2018May 21, 2018
Diskusi ManajemenManagement Discussion
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
246 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
28 Mei 2018May 28, 2018
Diskusi ManajemenManagement Discussion
Update Pelaksanaan Right IssueUpdate Implementation of Right Issue
Update BMPKUpdate BMPK
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business updateFunding Business update
SAM & Recovery updateSAM & Recovery update
4 Juni 2018June 4, 2018
Presiden Direktur up dateThe Board of Director Update
Business Update:Business Update:
1. Lending Lending
2. FundingFunding
SAM & Recovery UpdateSAM & Recovery Update
25 Juni 2018June 25, 2018
Diskusi ManajemenManagement Discussion
Internal Audit Update
Business UpdateBusiness Update:
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
Wholesale & SME Business UpdateWholesale & SME Business Update
SAM & Recovery UpdateSAM & Recovery Update
9 Juli 2018July 9, 2018
Diskusi ManajemenManagement Discussion
Relokasi Ruang KerjaWorkspace Relocation
CFO Update - Flash ReportCFO Update - Flash Report
Business UpdateBusiness Update
247Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
17 Juli 2018July 17, 2018
Diskusi ManajemenManagement Discussion
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
HR UpdateHR Update
RekrutmenRecruitment
PelatihanTraining
23 Juli 2018July 23, 2018
Diskusi ManajemenManagement Discussion
Compliance UpdateCompliance Update
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
Lain-lainOthers
30 Juli 2018July 30, 2018
Compliance UpdateCompliance Update
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
Wholesale & SME Business UpdateWholesale & SME Business Update
SAM & Recovery UpdateSAM & Recovery Update
IT & Operation UpdateIT & Operation Update
248 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
Lain-lainOthers
6 Agustus 2018August 6, 2018
Diskusi ManajemenManagement Discussion
Compliance UpdateCompliance Update
Business UpdateBusiness Update:
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
Wholesale & SME Business UpdateWholesale & SME Business Update
Flash Report Flash Report
HR & S UpdateHR & S Update
Lain-lainOthers
20 Agustus 2018August 20, 2018
Diskusi ManajemenManagement Discussion
Compliance UpdateCompliance Update
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
26 September 2018September 26, 2018
Diskusi ManajemenManagement Discussion
Compliance UpdateCompliance Update
Business UpdateBusiness Update
Funding Business UpdateFunding Business Update
Consumer Lending Business UpdateConsumer Lending Business Update
SAM & Recovery UpdateSAM & Recovery Update
HR & S UpdateHR & S Update
Lain-lainOthers
249Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
24 Oktober 2018October 24, 2018
Diskusi ManajemenManagement Discussion
Compliance UpdateCompliance Update
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
SAM & Recovery UpdateSAM & Recovery Update
HR & GS UpdateHR & GS Update
7 Nopember 2018November 7, 2018
Diskusi ManajemenManagement Discussion
Business UpdateBusiness Update
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
Wholesale & SME Business UpdateWholesale & SME Business Update
SAM & Recovery UpdateSAM & Recovery Update
Flash ReportFlash Report
HR & GS UpdateHR & GS Update
Lain-lainOthers
14 Nopember 2018November 14, 2018
Diskusi ManajemenManagement Discussion
Business UpdateBusiness Update:
Consumer Lending Business UpdateConsumer Lending Business Update
Funding Business UpdateFunding Business Update
Wholesale & SME Business UpdateWholesale & SME Business Update
Lain-lainOthers
12 Desember 2018 December 12, 2018
Diskusi ManajemenManagement Discussion
Business Update:Business Update:
1. Funding Funding
250 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tangal RapatMeeting Date
Mata Acara RapatMeeting Agenda
2. Consumer Lending Consumer Lending
WB & SME WB & SME
SAM & Recovery UpdateSAM & Recovery Update
HR & GS UpdateHR & GS Update
20 Desember 2018December 20, 2018
Diskusi ManajemenManagement Discussion
Arahan singkat untuk Business Short Directives for Business
Risk Management update:Risk Management update:
1. Wewenang Pemutus KreditAuthority of Credit Termination
2. Audit Plan 20192019 Audit Plan
NamaName
JabatanPosition
Jumlah RapatNumber of Meetings
Jumlah KehadiranAttendance
Benny Purnomo* Presiden DirekturPresident Director
32 15
Nerfita Primasari* DirekturDirector
32 12
Widiatama Bunarto** DirekturDirector
32 27
Chisca Mirawati*** Direktur KepatuhanCompliance Director
32 26
Rita Montagna**** DirekturDirector
32 12
Hermawan***** DirekturDirector
32 10
Mahdan Ibrahim****** Presiden Direktur/Direktur KepatuhanPredient Director/Compliance Director
32 6
Daftar Kehadiran Rapat Direksi RegularAttendance List of regular Board of directors Meeting
* Efektif per 31 Mei 2018 sudah tidak menjabat** Efektif per 28 Agustus 2018 sudah tidak menjabat*** Efektif per 13 Desember 2018 sudah tidak menjabat**** Efektif per 17 Oktober 2018 menjabat sebagai Direktur***** Diangkat sebagai Direktur berdasarkan RUPSLB tanggal 20 September
2018 dan efektif menjabat sebagai Direktur per 14 Februari 2019****** Efektif per 14 Desember 2018 menjabat sebagai Direktur Kepatuhan
dan berdasarkan RUPSLB tanggal 8 Maret 2019 diangkat sebagai Presiden Direktur dan baru akan efektif setelah lulus penilaian kemempuan dan kepatutan dari OJK.
* As of May 31, 2018, effectively not serving** As of August 28, 2018 effectively not serving*** As of December 13, 2018 effectively not serving**** As of October 17, 2018 effectively not servingas Director***** Appointed as Director based on EGMS on September 20, 2018 and
effectively serving as Director as February 14, 2019****** As of December 14, 2018 effectively serving as Compliance Director
and based on EGMS on March 8, 2019, he was appointed as President Director and will be effectively serving after passing OJK fit and proper test.
251Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
STruKTur KELOMPOK uSAhA BAnK MnC PEr 31 dESEMBEr 2018
strUctUre of mnc BAnk BUsiness GroUP As of DecemBer 31, 2018
InforMasI MengenaI peMegang sahaMutama dan pengendalIInformation on Ultimate Shareholders and Controling Shareholders
PT HT Investama48,00%
PT Pratama Prima Investama20,00%
Harry Tanoesoedibjo32,00%
Charlton Group Holdings Ltd
7,67%
Publik
35,47%
Smart Empire Group Ltd
11,60%
Publik
12,68%
Publik
45,09%
PT Bank MNC Internasional Tbk
PT Bhakti Panjiwira
10,13%
UOB Kay Hian(Hong Kong) Ltd
9,19%
PT MNC Kapital Indonesia Tbk
42,73%
HT InvestmentDevelopment Ltd
25,49%
HT Investment Development Ltd
8,77%
Marco Prince Corp
12,18%
UOB Kay Hian(Hong Kong) Ltd
5,47%
4,17%PT MNCInvestama Tbk
69,36%
252 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
hubungan afIlIasI antara anggota DIreksI DewaM koMIsarIs Dan peMegangSaham utama dan atau pengendalIAffiliations Between Members of Board of Directors, Board of Commissioners and Ultimate and/or Controling Shareholders
Anggota Direksi dan Dewan Komisaris tidak memiliki hubungan keuangan, hubungan kepengurusan, kepemilikan saham dan/atau hubungan keluarga dengan anggota Dewan Komisaris lainnya, Direksi dan/atau Pemegang Saham Pengendali atau hubungan dengan Bank, sehingga dapat melaksanakan tugas dan tanggung jawabnya secara independen.
Members of the Board of Directors and the Board of Commissioners do not have financial and management relations, share ownership and/or family relations with other members of the Board of Commissioners, Directors and/or Controlling Shareholders or relations with the Bank, so that they can carry out their duties and responsibilities independently.
253Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
dASAr huKuM Komite Audit MNC Bank dibentuk dengan berdasarkan pada:1. POJK No. 33/POJK.04/2014 tentang Direksi dan Dewan
Komisaris Emiten atau Perusahan Publik2. Peraturan Otoritas Jasa Keuangan No. 55/ POJK.04/2015
Tentang Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit (“POJK55/2015”).
3. POJK No. 55/POJK.03/2016 tentang Penerapan Tata Kelola Bagi Bank Umum
4. SEOJK No.13/SEOJK.03/2017 tentang Penerapan Tata Kelola Bagi Bank Umum.
5. Peraturan Bursa Efek Indonesia No. I-A tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain Saham yang Diterbitkan oleh Perusahaan Tercatat.
PiAgAM KOMiTE AudiT Komite Audit MNC Bank telah memiliki Piagam Komite Audit yang disahkan oleh Dewan Komisaris pada tanggal 25 Oktober 2018. Isi dari Piagam Komite Audit telah sesuai dengan POJK 55/2015 yaitu antara lain sasaran kerja, struktur dan komposisi Komite Audit, syarat-syarat keanggotaan, tugas dan tanggung jawab, kewenangan, rapat, pelaporan dan evaluasi kinerja serta masa tugas dan honorarium. Selanjutnya, piagam Komite Audit senantiasa ditinjau kembali secara periodik agar sesuai dengan ketentuan yang berlaku.
STruKTur dAn KEAnggOTAAn KOMiTE AudiT Komite Audit paling kurang terdiri dari 3 (tiga) orang anggota yang berasal dari Komisaris Independen dan pihak dari luar MNC Bank. Anggota Komite Audit yang berasal dari Komisaris Independen berperan sebagai Ketua Komite Audit.
Susunan Komite Audit MNC Bank sebelum pelaksanaan RUPS Tahunan 2018 yang ditunjuk berdasarkan Surat Keputusan Direksi PT Bank MNC Internasional Tbk No. SKEP-008/MNCB/DIR/03-17 tanggal 1 Maret 2017 adalah sebagai berikut:
leGAl BAsis The MNC Bank Audit Committee is formed based on:
1. POJK No.33/POJK.04/2014 concerning Directors and Board of Commissioners of Issuers or Public Companies
2. Financial Services Authority Regulation No.55/POJK.04/2015 concerning the Establishment and Audit Committee Work Implementation Guidelines (“POJK55 / 2015”).
3. POJK No.55/POJK.03/2016 concerning Implementation of Governance for Commercial Banks
4. SEOJK No.13/SEOJK.03/2017 concerning Implementation of Governance for Commercial Banks.
5. Regulation of the Indonesia Stock Exchange No. I-A concerning Listing of Shares and Equity-Based Securities other than Shares Issued by the Listed Company.
AUDit committee chArterThe MNC Bank Audit Committee has an Audit Committee Charter which was ratified by the Board of Commissioners on October 5, 2016. The contents of the Audit Committee Charter are in accordance with POJK 55/2015, including work objectives, structure and composition of the Audit Committee, membership requirements, duties and responsibility, authority, meeting, reporting and evaluation of performance and the period of service and honorarium.
AUDit committee strUctUre AnD memBershiPThe Audit Committee consists of at least 3 (three) members from Independent Commissioners and parties from outside the MNC Bank. Audit Committee members from Independent Commissioners act as the Chair of the Audit Committee.
The structure of the MNC Bank’s Audit Committee before the implementation of 2018 AGMS that is appointed based on Decree of the Board of Directors of PT Bank MNC Internasional Tbk No. SKEP-008/MNCB/DIR/03-17 March 1, 2017, as follows:
koMIte Dewan komISarISBoard of Commissioners Committees
No AnggotaMember
Posisi di KomitePosition on the Committee
JabatanOffice
1 Rusli Witjahjono Ketua merangkap anggotaChairman concurrently as a Member
Komisaris IndependenIndependent Commissioner
2 Eko B. Supriyanto AnggotaMember
Komisaris IndependenIndependent Commissioner
3 H. Eddy Yantho Sofwan Anggota merangkap SekretarisMember concurrently Secretary
Pihak IndependenIndependent Member
4 Tri Restu Ramdhan Putra AnggotaMember
Pihak IndependenIndependent Member
Audit CommitteekomIte audIt
254 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Terhitung per 31 Desember 2018 susunan Komite Audit yang ditunjuk berdasarkan Surat Keputusan Direksi PT Bank MNC Internasional Tbk No. SKEP-002/MNCB/DIR/01-19 tanggal 17 Januari 2019 adalah sebagai berikut:
As of December 31, 2018, the structure of Audit Committee was appointed based on Decree of the Board of Directors of PT Bank MNC Internasional Tbk No. SKEP-002/MNCB/DIR/01-19 dated January 17, 2019 are as follows:
No AnggotaMember
Posisi di KomitePosition on the Committee
JabatanOffice
1 Ponky Nayarana Pudijanto Ketua merangkap anggotaMember concurrently as a Chairman
Presiden Komisaris IndependenIndependent President Commissioner
2 Jeny Gono AnggotaMember
Komisaris IndependenIndependent Commissioner
3 Peter Fajar AnggotaMember
KomisarisCommissioner
4 H. Eddy Yantho Sofwan Anggota merangkap SekretarisMember concurrently Secretary
Pihak IndependenIndependent Member
5 Tri Restu Ramadhan Putra AnggotaMember
Pihak IndependenIndependent Member
Tabel Profil Komite AuditTable of Audit committee profile
NamaName
Latar Belakang KarirCareer Background
PendidikanEducation
Ponky Nayarana Pudijanto Tersedia pada Profil Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini.
Available on the Board of Commissioners Profile on the page 64 This Annual Report.
Tersedia pada Profil Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini.
Available on the Board of Commissioners Profile on the page 64 This Annual Report.
Jeny Gono Tersedia pada Profil Dewan Komisaris yang terdapat pada halaman 66 Laporan Tahunan ini.
Available on the Board of Commissioners Profile on the page 66 This Annual Report.
Tersedia pada Profil Dewan Komisaris yang terdapat pada halaman 66 Laporan Tahunan ini.
Available on the Board of Commissioners Profile on the page 66 This Annual Report.
Peter Fajar Tersedia pada Profil Dewan Komisaris yang terdapat pada halaman 65 Laporan Tahunan ini.
Available on the Board of Commissioners Profile on the page 65 This Annual Report.
Tersedia pada Profil Dewan Komisaris yang terdapat pada halaman 65 Laporan Tahunan ini.
Available on the Board of Commissioners Profile on the page 65 This Annual Report.
H. Eddy Yantho Sofwan Menjabat sebagai anggota Komite Audit sejak 1 Oktober 2016. Perjalanan karir sebelumnya adalah menjadi Inspektur (Eselon I) PT Bank Rakyat Indonesia (Persero) Tbk Pekanbaru (1 Februari 2015 – 31 Mei 2016), sebagai Wakil Inspektur (Eselon II) BRI Manado (1 April 2007 – 31 Mei 2009), Wakil Inspektur (Eselon II) BRI Banjarmasin (1 Juni 2009 – 31 Maret 2011), Wakil Inspektur (Eselon II) BRI Yogyakarta (1 April – 31 Desember 2011) dan Wakil Inspektur (Eselon II) BRI Jakarta 3 (1 Januari 2012 – 31 Januari 2015)
Serving as a member of the Audit Committee since October 1, 2016. His previous career was to become Inspector (Echelon I) of PT Bank Rakyat Indonesia (Persero) Tbk Pekanbaru (1 February 2015 - 31 May 2016), as Deputy Inspector (Echelon II) BRI Manado (1 April 2007 - 31 May 2009), Deputy Inspector (Echelon II) BRI Banjarmasin (1 June 2009 - 31 March 2011), Deputy Inspector (Echelon II) BRI Yogyakarta (April 1 - December 31 2011) and Deputy Inspector (Echelon II) of BRI Jakarta 3 (January 1, 2012 - January 31, 2015)
Memperoleh gelar Sarjana Ekonomi dari Universitas Trisakti Jakarta pada tahun 1985 serta mendapatkan sertifikasi profesi Qualified Internal Auditor (QIA) dari Yayasan Pendidikan Internal Audit (YPIA), Sertifikasi Manajemen Risiko perbankan Level III dari Badan Sertifikasi Profesi perbankan.
Obtaining a Bachelor of Economics degree from Trisakti University Jakarta in 1985 and obtained professional certification of Qualified Internal Auditors (QIA) from the Foundation for Internal Audit Education (YPIA), Certification Banking Risk Management Level III from the Banking Professional Certification Agency.
255Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
indEPEndEnSi KOMiTE AudiT Seluruh anggota Komite Audit MNC Bank wajib bersifat independen dalam menjalankan tugasnya dan dalam pengambilan keputusan dan tidak diperkenankan memiliki hubungan afiliasi dengan anggota Dewan Komsaris, anggota Direksi atau pemegang saham utama MNC Bank.
Secara independent dan profesional, Komite Audit berhak menyampaikan pendapat kepada Dewan Komisaris mengenai integritas laporan keuangan, proses pelaporan keuangan, efektifitas sistem pengendalian internal, proses dan temuan audit internal dan eksternal yang independen, pemantauan manajemen risiko serta kepatuhan terhadap peraturan perundang-undangan dan penerapan prinsip Tata Kelola. Komite Audit dapat menjalankan tugas khusus atas permintaan Dewan Komisaris jika dibutuhkan, seperti mengunjungi Kantor Cabang yang rugi dan/atau diduga telah terjadi fraud.
Kemandirian anggota Komite Audit diatur dalam Piagam Komite Audit, yaitu: 1. Bukan merupakan karyawan kunci Perusahaan dalam waktu
6(enam) bulan sebelum diangkat oleh Dewan Komisaris. 2. Tidak mempunyai saham di Perusahaan bersangkutan,
baik langsung maupun tidak langsung. Jika anggota Komite Audit memperoleh saham akibat suatu peristiwa hukum maka dalam jangka waktu 6 (enam) bulan setelah diperolehnya saham tersebut wajib mengalihkan kepada pihak lain.
3. Tidak mempunyai hubungan afiliasi dengan Perusahaan, anggota Dewan Komisaris, anggota Dewan Direksi maupun Pemegang Saham Utama.
4. Tidak memiliki kepentingan/keterkaitan pribadi yang dapat menimbulkan dampak negatif dan konflik kepentingan terhadap Perusahaan.
PEngAngKATAn dAn PEMBErhEnTiAn Keanggotaan Komite Audit diangkat dan diberhentikan oleh Dewan Komisaris dalam rangka membantu pelaksanaan tugas dan tanggung jawab Dewan Komisaris.
inDePenDence of AUDit committeeAll MNC Bank’s Audit Committee members must be independent in carrying out their duties and decision-making and are not allowed to have affiliated relationships with members of the Board of Commissioners, members of the Board of Directors or MNC Bank’s main shareholders.
Independently and professionally, the Audit Committee has the right to express opinions to the Board of Commissioners regarding the integrity of financial reports, financial reporting processes, effectiveness of internal control systems, independent internal and external audit processes and findings, risk management monitoring and compliance with laws and regulations and the application of principles Governance. The Audit Committee can carry out special tasks at the request of the Board of Commissioners if needed, such as visiting a Branch Office that has lost and/or suspected fraud has occurred.
The independence of the Audit Committee members is regulated in the Audit Committee Charter, namely: 1. Not a key employee of the Company in the 6 (six) months
before being appointed by the Board of Commissioners. 2. Do not have shares in the relevant company, directly or
indirectly. If a member of the Audit Committee obtains shares due to a legal event then within 6 (six) months after the acquisition of such shares, it must transfer to another party or resign from the Audit Committee membership.
3. Not affiliated with the Company, members of the Board of Commissioners, members of the Board of Directors or Major Shareholders.
4. Not having personal interests/ relationships that can cause negative impacts and conflicts of interest with the Company.
APPointment AnD DismissAlAudit Committee Membership is appointed and dismissed by the Board of Commissioners in order to assist the implementation of the duties and responsibilities of the Board of Commissioners.
NamaName
Latar Belakang KarirCareer Background
PendidikanEducation
Tri Restu Ramadhan Putra Bekerja sebagai Auditor Pemerintah pada Badan Pengawasan Keuangan dan Pembangunan (BPKP) dari tahun 1987 sampai dengan tahun 2007, Sebagai Widyaiswara pada Pusdiklat BPKP dari tahun 2007 s/d tahun 2012 dan Menjabat sebagai Deputi Direktur Akademis YPIA (Yayasan Pendidikan Internal Auditor) dari tahun 2015 sampai dengan sekarang.
Working as Government Auditor for the Financial and Development Supervisory Agency (BPKP) of the year 1987 to 2007, as a lecturer at the BPKP Training Center from 2007 to 2012 and Served as Deputy Academic Director of YPIA (Internal Auditor Education Foundation) from 2015 up to now.
Memperoleh gelar Akuntan dari Sekolah Tinggi Akuntansi Negara tahun 1995 dan Magister Manajemen dari Sekolah Bisnis IPB tahun 2007 serta mendapatkan sertifikasi profesi Certified Internal Auditor (CIA) dan Certified Control Self Assessment (CCSA) dari The Institute of Internal Auditors (IIA).
Obtaining an Accountant from the State College of Accountancy in 1995 and a Masters in Management from the IPB Business School in 2007 and received the Certified Internal Auditor (CIA) professional certification Certified Control Self Assessment (CCSA) from The Institute of Internal Auditors (IIA).
256 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Masa tugas anggota Komite Audit tidak boleh lebih lama dari masa jabatan Dewan Komisaris sebagaimana diatur dalam Anggaran Dasar dan dapat dipilih kembali hanya untuk 1 (satu) periode berikutnya. Komisaris Independen menjabat sebagai Komite Audit, hanya dapat diangkat kembali sebagai Komite Audit untuk 1 (satu) periode masa jabatan Komite Audit berikutnya.
TugAS dAn TAnggung jAwAB Dalam menjalankan fungsinya, Komite Audit memiliki tugas dan tanggung jawab sebagai berikut: 1. Melakukan pengamatan atas informasi keuangan yang
akan dikeluarkan MNC Bank kepada publik dan/atau pihak otoritas, antara lain laporan keuangan, proyeksi dan laporan lainnya terkait dengan informasi keuangan MNC Bank, termasuk kepatuhan terhadap standar dan kebijakan akuntansi dalam proses penyusunannya;
2. Melakukan pengamatan atas kepatuhan terhadap peraturan perundang-undangan yang berhubungan dengan kegiatan MNC Bank;
3. Memberikan pendapat independen dalam hal terjadi perbedaan pendapat antara Manajemen dan Auditor Eksternal atas jasa yang diberikan oleh Auditor Eksternal;
4. Memberikan rekomendasi kepada Dewan Komisaris mengenai penunjukan Auditor Eksternal yang didasarkan pada independensi, ruang Iingkup penugasan/perikatan dan biaya jasa (fee);
5. Mendorong terbentuknya sistem pengendalian Internal yang memadai dalam pengelolaan MNC Bank, dengan melakukan evaluasi dan memberikan rekomendasi mengenai penyempurnaan sistem Pengendalian internal Perusahaan dan implementasinya;
6. Melakukan pengamatan atas kualitas pekerjaan dan independensi Auditor Internal dan Auditor Eksternal;
7. Melakukan pengamatan tingkat kecukupan upaya
Manajemen dalam menindaklanjuti rekomendasi dari hasil pengawasan oleh regulator seperti OJK atau pengawas lainnya;
8. Melakukan pengamatan terhadap aktivitas pengelolaan manajemen risiko dan implementasi Tata Kelola yang dilakukan MNC Bank;
9. Melakukan pengamatan atas pengaduan oleh pemangku kepentingan (stakeholders) terhadap MNC Bank, termasuk yang terkait dengan proses akuntansi dan pelaporan keuangan MNC Bank serta atas hal-hal lain yang dianggap penting oleh Dewan Komisaris;
10. Melakukan pengamatan dan memberikan saran kepada Dewan Komisaris terkait dengan adanya potensi benturan kepentingan MNC Bank;
11. Menjaga kerahasiaan dokumen, data dan informasi MNC Bank; dan
12. Melaksanakan tugas lain dari Dewan Komisaris terkait dengan peran dan tanggung jawab Dewan Komisaris.
The term of office of the Audit Committee members may not be longer than the term of office of the Board of Commissioners as stipulated in the Articles of Association and can be re-elected only for the next 1 (one) period. The Independent Commissioner serves as the Audit Committee, only can be reappointed as an Audit Committee for the next 1 (one) term of office of the Audit Committee.
DUties AnD resPonsiBilities In carrying out its functions, the Audit Committee has the following duties and responsibilities: 1. Observe the financial information that will be issued by
MNC Bank to the public and/or authorities, including financial reports, projections and other reports related to MNC Bank financial information, including compliance with accounting standards and policies in the preparation process;
2. Conduct observations on compliance with laws and regulations relating to MNC Bank activities;
3. Provide independent opinion in the event of disagreements between Management and the External Auditor for services provided by the External Auditor;
4. Provide recommendations to the Board of Commissioners regarding the appointment of External Auditors based on independence, assignment/engagement space and service fees (fees);
5. Encourage the formation of an adequate internal control system in the management of MNC Banks, by evaluating and providing recommendations on improving the Company’s internal control system and its implementation;
6. Conduct observations on the quality of work and the independence of the Internal Auditor and External Auditor;
7. Conduct an observation of the level of adequacy of Management’s efforts in following up on recommendations from the results of supervision by regulators such as the OJK or other supervisors;
8. Conducting observations on risk management management activities and the implementation of Governance by the MNC Bank;
9. Conduct observations of complaints by stakeholders against MNC Bank, including those related to the Bank’s accounting and financial reporting process and for other matters deemed important by the Board of Commissioners;
10. Conduct observations and provide advice to the Board of Commissioners regarding the potential conflict of interest of the MNC Bank;
11. Maintain the confidentiality of MNC Bank documents, data and information; and
12. Carry out other duties of the Board of Commissioners related to the roles and responsibilities of the Board of Commissioners.
257Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
wEwEnAng KOMiTE AudiT 1. Komite Audit berwenang untuk mengakses dokumen, data
dan informasi MNC Bank tentang karyawan dana, asset dan sumber daya MNC Bank yang berkaitan dengan pelaksanaan tugasnya.
2. Berkomunikasi langsung dengan karyawan termasuk Direksi dan pihak yang menjalankan audit internal, manajemen risiko dan Kantor Akuntan Publik terkait tugas dan tanggung jawab Komite Audit.
3. Melibatkan pihak independen di luar anggota Komite Audit yang diperlukan untuk membantu pelaksanaan tugasnya (jika diperlukan).
4. Melakukan kewenangan lain yang diberikan oleh Dewan Komisaris.
PELATihAn & wOrKShOP Sepanjang tahun 2018, anggota Komite Audit mengikuti pelatihan dan seminar untuk pengembangan kompetensi sebagai berikut:
AUDit committee AUthorities 1. The Audit Committee has the authority to access MNC
Bank documents, data and information about MNC Bank employees’ funds, assets and resources related to the implementation of their duties.
2. Communicate directly with employees including the Board of Directors and those who carry out internal audits, risk management and the Public Accounting Office regarding the duties and responsibilities of the Audit Committee.
3. Involve independent parties outside of the Audit Committee members who are needed to assist in carrying out their duties (if needed).
4. Perform other authorities granted by the Board of Commissioners.
trAininG & workshoPThroughout 2018, the Audit Committee members attended training and seminars for the development of competencies as follows:
KEBijAKAn, FrEKuEnSi & KEhAdirAn rAPAT KOMiTE AudiT
Kebijakan Merujuk pada Piagam Komite, Rapat Komite Audit dilaksanakan secara periodik secara internal serta menyelenggarakan rapat gabungan bersama Direksi dan/ atau Dewan Komisaris untuk membahas laporan auditor internal dan pemantauan tindak lanjutnya serta efektivitas pelaksanaan tugas auditor internal, hasil audit OJK/BI dan monitor pelaksanaan tindak lanjutnya, hasil audit dari Kantor Akuntan Publik dan kesesuaian pelaksanaan audit tersebut dengan standar audit yang berlaku, ketaatan kepada peraturan perundang-undangan, mengindentifikasi hal-hal yang memerlukan perhatian Dewan Komisaris, langkah-langkah peningkatan pengendalian dalam pencapaian kinerja serta implementasi Tata Kelola.Frekuensi dan Kehadiran Rapat Komite Audit
Frekuensi dan Kehadiran rapat Komite Audit Selama 2018, Komite Audit melaksanakan 10 (sepuluh) kali rapat, dengan frekuensi dan agenda sebagai berikut:
Policy, freQUency & AttenDAnce of AUDit committee meetinG
PolicyReferring to the Committee Charter, the Audit Committee Meetings are held periodically internally and hold joint meetings with the Board of Directors and/or the Board of Commissioners to discuss the internal auditor’s report and follow-up monitoring and the effectiveness of the internal auditor’s duties, the results of the OJK/BI audit and monitor the implementation of follow-up, audit results from the Public Accountant Firm and the suitability of the audit implementation with applicable audit standards, compliance with laws and regulations, identifying matters that require the attention of the Board of Commissioners, steps to increase control in achieving performance and implementation of Governance.
frequency and Attendance of Audit committee meetings Throughout 2018, the Audit Committee conducted 10 (ten) meetings, with the following frequency and agenda:
No TanggalStart Date
Nama PelatihanTraining Title
InstitusiInstitution
NamaName
1 7-Feb-18 PSAK 71 Pricewaterhouse Coopers (PwC)
EKO B. SUPRIYANTO
2 10-Jul-2018 Restrukturisasi & Penyelamatan Kredit yang Efektif Guna Meningkatkan Kinerja Bank
Badan Sertifikasi Manajemen Risiko
(BSMR)
JENY GONO
3 15-Aug-2018 Risk Management Refreshement Program : Enterprise Risk Management sebagai Upaya Meminimalisir Risiko Perusahaan secara Sistematid & Efektif
Lembaga Sertifikasi Profesi Perbankan
(LSPP)
PONKY NAYARANA PUDIJANTO
4 7-Feb-18 PSAK 71 Pricewaterhouse Coopers (PwC)
RUSLI WITJAHJONO
258 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Agenda Rapat Komite AuditAgenda of Audit committee Meetings
Tanggal RapatMeeting Date Mata Acara Agenda
30 Januari 2018January 30, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit 4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
26 Februari 2018February 26, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
27 Maret 2018March 27, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
2 Mei 2018May 2, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
23 Mei 2018May 23, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
1 Agustus 2018August 1, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
23 Agustus 2018August 23, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
25 September 2018September 25, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
259Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tabel Daftar Kehadiran Anggota Komite Table of committee Members Attendance
NamaName
Jabatan Dalam KomitePosition on Committee
Jumlah Rapat**Number of Meetings**
Jumlah KehadiranAttendance
Tingkat KehadiranAttendance Percentage
Rusli Witjahjono* Ketua merangkap anggotaChairman concurrently as Member
10 5 50%
Eko B. Supriyanto* AnggotaMember
10 4 40%
H. Eddy Yantho Sofwan Anggota merangkap sekretarisMember concurrently as a Secretary
10 10 100%
Tri Restu Ramadhan Putra AnggotaMember
10 10 100%
Ponky Nayarana Pudijanto* Ketua merangkap anggotaChairman concurrently as Member
10 5 50%
LAPOrAn KEgiATAn KOMiTE AudiT di TAhun 2018 1. Melaksanakan review rencana kerja tahunan Audit
Intern dan melakukan evaluasi terhadap kecukupan dan efektivitas pengendalian Internal Bank dengan memberikan input dan rekomendasi atas semua laporan hasil audit intern.
2. Melakukan pembinaan dan diskusi secara berkala dengan jajaran Audit Intern.
3. Setiap bulan melaksanakan rapat Komite Audit dengan Internal Audit beserta Direksi dan semua quorum dan sesuai rencana.
4. Melaksanakan pemantauan terhadap pelaksanaan fungsi audit eksternal termasuk juga pemantauan atas tindak lanjut temuan OJK.
5. Melaksanakan evaluasi kinerja dan laporan keuangan bank setiap triwulan.
AUDit committee ActiVity rePort in 2018 1. Carrying out review of Internal uadit’s annual work plan
and carrying out evaluation on the adequacy and effectiveness of the Bank’s internal control by providing input and recommendations on all internal audit reports.
2. Carrying out development and discussion periodically with Internal Audit members.
3. Audit Committee carries out meeting with Internal Audit and the Board of Directors and all quorum in every month.
4. Carrying out monitoring on the implementation of external audit’s function, including monitoring on the follow up of OJK’s findings.
5. Carrying out performance evaluations and bank financial statements every quarter.
Tanggal RapatMeeting Date Mata Acara Agenda
25 Oktober 2018October 25, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
27 November 2018November 27, 2018
1. Pengantar dari Ketua Komite Audit2. Tindak Lanjut dan Status Kemajuan dari Rapat
Sebelumnya3. Pemaparan Laporan Hasil Audit4. Status Tindak Lanjut Temuan Audit Internal5. Lain Lain
1. Introduction to the Chair of the Audit Committee2. Follow Up and Progress Status from the Previous
Meeting3. Presentation of Audit Report4. Status of Follow Up of Internal Audit Findings5. Others
*) Perubahan Susunan Anggota Komite Audit mengikuti aturan pada:
1. Surat Keputusan Direksi PT Bank MNC Internasional No SKEP-008/MNCB/DIR/03-17 tanggal 1 Maret 2017.
2. Surat Keputusan Direksi PT Bank MNC Internasional No SKEP-002/MNCB/DIR/01-19 Tanggal 17 Januari 2019 (Susunan Anggota Komite Audit terhitung sejak 31 Desember 2018).
**) Rapat Komite Audit yang diselenggarakan pada Semester 2 tahun 2018 merupakan rapat internal yang membahas aktivitas audit.
*) Changes in the composition of the Audit Committee Members to follow the rules in:1. Decree of the Board of Directors of PT Bank MNC International No
SKEP-008/MNCB/DIR/03-17 March 1, 2017.2. Decree of the Board of Directors of PT Bank MNC International
No SKEP-002/MNCB/DIR/01-19 January 17, 2019 (Composition of members of the Audit Committee as of December 31, 2018).
**) Audit Committee meetings held in Semester 2 of 2018 were meetings that discussed audit activities.
260 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
6. Melaksanakan evaluasi dan pemantauan terhadap kebijakan dan Rencana Usaha Bank
7. Setiap 3 (tiga) bulan menyampaikan laporan kegiatan sesuai dengan cakupan tugas dan tanggung jawab Komite Audit kepada Dewan Komisaris.
rEKOMEndASi Dalam rangka pencapaian tujuan Bank, Komite Audit menyampaikan beberapa rekomendasi kepada Dewan Komisaris sebagai berikut: 1. Upaya yang terstruktur, konsisten dan berkesinambungan
dari manajemen beserta jajarannya hendaknya dilakukan secara lebih kreatif dan inovatif guna menunjang perkembangan bisnis bank berdasarkan kondisi makro ekonomi Indonesia terkini dan pencapaian target RBB.
2. Penyaluran kredit baru khususnya segmen korporasi agar
dilaksanakan dengan memperhatikan saran / masukan OJK yaitu dengan tetap selektif dan prinsip kehati-hatian serta berdasarkan posisi permodalan bank yang aman dan sesuai tatanan regulator.
3. Manajemen agar melaksanakan pendekatan akuisisi kartu kredit secara lebih selektif lagi untuk meminimalkan biaya akuisisi dan meminimalkan risiko kredit serta meningkatkan aktivasi pemegang kartu yang telah ada.
4. Manajemen agar mereview seluruh Divisi di MNC Bank untuk memastikan seluruh Divisi dilengkapi dengan SOP sebagai pedoman kerja di Divisi tersebut.
5. IAG agar lebih meningkatkan kualitas hasil auditnya (tingkat kedalaman auditnya agar ditambah dan diperluas)
6. IAG agar lebih fokus dalam melaksanakan audit pada area-area yang memiliki risiko tinggi dan memberikan nilai tambah bagi manajemen/auditee, serta melakukan evaluasi dan memperbaiki metodologi auditnya secara berkala.
7. Pembinaan dan peningkatan pemahaman akan basic control serta aspek monitoring dalam perkreditan dan operasional bank agar mendapat perhatian dan tindak lanjut yang memadai. Dengan peningkatan pemahaman dan monitoring yang lebih baik, diharapkan akan meningkatkan awareness dan efektivitas proses layanan Bank sehingga dapat dicapai kualitas kredit dan operasional yang semakin baik.
8. Komitmen Manajemen untuk terus menjaga kualitas kredit, menjaga angka NIM & LFR sesuai RBB dengan tetap memperhatikan masukan masukan dari OJK, sehingga selanjutnya bank dapat menjalankan bisnisnya dengan lebih fokus dan lebih baik lagi dan bank dapat mencapai profit.
9. Dengan adanya komitmen dan upaya yang berkesinambungan yang didukung semua pihak, diharapkan kinerja Bank akan dapat dicapai dengan lebih baik lagi, di tengah situasi ekonomi dan perbankan nasional yang masih sangat menantang hingga saat ini.
6. Carrying out evaluation and monitoring of the Bank’s policies and Business Plans
7. Every 3 (three) months submits activity reports in accordance with the scope of the duties and responsibilities of the Audit Committee to the Board of Commissioners.
recommenDAtionIn order to achieve the Bank’s purpose, Audit Committee has delivered recommendations to the Board of Commissioners as follows; 1. Structured, consistent and continuous efforts from
management and its members should be conducted more creatively and innovatively in order to support the Bank’s business development based on recent Indonesia’s macroeconomy conditions and RBB target achievements.
2. The distribution of latest credit, particularly corporation segment in order to carryit out by considering OJK’s suggestions, namely by being selective, careful and based on the Bank’s safe capital position and in accordance with regulators’ order.
3. Managements should carry out approach of credit card acquisition more selectively to minimize acquisition cost, credit risk and improve activation of existing caedholders.
4. Management shold review all divisions of MNC Bank to make sure all Division equipped with SOP as a worl guideline in the Divisions.
5. IAG should improve the quality of audit results (the depth of the audit to be added and expanded).
6. IAG should focus more on auditing areas that have high risk and give added value for management/auditee, as well as conducting evaluation and periodically improving audit methodology
7. Understanding development and improvement on basic control and monitoring aspect on credit and bank operation should get sufficient attention and follow up. By the increasing of better understanding and monitoring, it is expected to be able to increase awareness and effectivity of the Bank’s service process so that better and improved quality of credit and operation can be achieved.
8. Management Commitment should maintain credit quality, NIM & LFR number according to RBB by considering suggesions from OJK, so that, in the future, the Bank can run its business better and more focused and the Bank can achieve profit.
9. With continuous commitment and efforts supported by all parties, it is expected that the Bank’s performance will be achieved better, in the midst of the national economic and banking situation which is still very challenging nowadays.
261Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
koMIte Dewan komISarISBoard of Commissioners Committees
dASAr huKuM Komite Nominasi dan Remunerasi (”KNR”) dibentuk berdasarkan peraturan-peraturan sebagai berikut : 1. Surat Edaran Otoritas Jasa Keuangan No.13/
SEOJK.03/2017 tanggal 17 Maret 2017 perihal Penerapan Tata Kelola Bagi Bank Umum.
2. POJK No. 55/POJK.03/2016 tanggal 7 Desember 2016 tentang Penerapan Tata Kelola bagi Bank Umum (“POJK 55/2016”). serta
3. POJK No. 34/POJK.04/2014 tanggal 8 Desember 2014 tentang Komite Nominasi dan Remunerasi Emiten atau Perusahaan Publik (“POJK 34/2014”).
KOMPOSiSi KOMiTE nOMinASi dAn rEMunErASi
Susunan Komite Nominasi dan Remunerasi MNC Bank sebelum pelaksanaan RUPS Tahunan 2018 yang ditunjuk berdasarkan Surat Keputusan Direksi PT Bank MNC Internasional Tbk No. SKEP-001/MNCB/DIR/01-18 tanggal 24 Januari 2018 adalah sebagai berikut:
leGAl BAsisThe Nomination and Remuneration Committee (“KNR”) was built based on regulations as follows:1. Circular of the Financial Services Authority No.13/
SEOJK.03/2017 dated March 17, 2017 concerning Implementation of Governance for Commercial Banks.
2. POJK No.55/POJK.03/2016 dated 7 December 2016 concerning Implementation of Governance for Commercial Banks (“POJK 55/2016”). and
3. POJK No.34/POJK.04/ 2014 dated 8 December 2014 concerning the Nomination and Remuneration Committee of Issuers or Public Companies (“POJK 34/2014”).
comPosition of nominAtion AnD remUnerAtion committeeThe composition of the Nomination and Remuneration Committee of the MNC Bank prior to the implementation of the 2018 Annual GMS appointed based on the Decree of the Board of Directors of PT Bank MNC Internasional Tbk No. SKEP-001/MNCB/DIR/01-18 January 24, 2018 are as follows:
No NamaName
Posisi pada KomitePosition on Committee
JabatanPosition
1 Eko B. Supriyanto Ketua merangkap AnggotaChairman concurrently as a Member
Presiden Komisaris IndependenIndependent President Commissioner
2 Rusli Witjahjono AnggotaMember
Komisaris IndependenIndependent Commissioner
3 Sari Wulandari Sekretaris merangkap AnggotaSecretary concurrently as a Member
HR Division Head
Per 31 Desember 2018, susunan Komite Remunerasi dan Nominasi berdasarkan Surat Keputusan Direksi PT Bank MNC Internasional Tbk No. SKEP-005/MNCB/DIR/12-18 tanggal 21 Desember 2018, Susunan Anggota Komite Komite Remunerasi dan Nominasi adalah sebagai berikut:
As of December 31, 2018, the composition of the Remuneration and Nomination Committee based on the Decree of the Board of Directors of PT Bank MNC Internasional Tbk No. SKEP-005/MNCB/DIR/12-18 dated December 21, 2018, the composition of the Remuneration and Nomination Committee Committee Members is as follows:
No NamaName
Posisi pada KomitePosition on Committee
JabatanPosition
1 Ponky Nayarana Pudijanto Ketua merangkap AnggotaChairman concurrently as a Member
Presiden Komisaris IndependenIndependent President Commissioner
2 Peter Fajar AnggotaMember
KomisarisCommissioner
3 Aris Palembangan Sekretaris merangkap anggotaSecretary concurrently as a Member
Chief Human Resources & General Services Officer
Nomination and Remuneration CommitteekomIte nomInaSI dan remuneraSI
262 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
PrOFiL KOMiTE nOMinASi dAn rEMunErASi Profile of nominAtion AnD remUnerAtion committee
PiAgAM KOMiTE nOMinASi dAn rEMunErASi
Komite Nominasi dan Remunerasi MNC Bank mengantongi Piagam Komite Nominasi dan Remunerasi yang diresmikan oleh Dewan Komisaris pada bulan Maret 2015.
Komite Nominasi dan Remunerasi merujuk piagam tersebut sebagai panduan dalam menjalankan fungsi dan kewajibannya. Piagam tersebut mengatur beberapa hal di antaranya keanggotaan, tugas dan tanggung jawab, rapat komite serta larangan.
STruKTur dAn KEAnggOTAAn Anggota Komite Nominasi dan Remunerasi dapat diangkat dan diberhentikan dengan merujuk pada keputusan Dewan Komisaris. Komite Nominasi dan Remunerasi terdiri dari paling kurang 3 (tiga) anggota dengan ketentuan: 1. 1 (satu) orang ketua yang merangkap anggota dan juga
seorang Komisaris Independen; dan 2. Anggota lainnya dapat berasal dari: a. Angota Dewan Komisaris; b. Pejabat eksekutif yang membidangi SDM.
indEPEndEnSi KOMiTE nOMinASi dAn rEMunErASi
Anggota Komite Nominasi dan Remunerasi MNC Bank yang ditunjuk telah memenuhi syarat independensi dengan kriteria sebagai berikut: 1. Anggota Komite Nominasi dan Remunerasi (selain ketua)
dapat berasal dari pihak yang menduduki jabatan manajerial di bawah Direksi yang membidangi SDM.
2. Anggota Komite Nominasi dan Remunerasi harus memiliki
pengalaman terkait Nominasi dan/atau Remunerasi.
chArter of nominAtion AnD remUnerAtion committee MNC Bank Nomination and Remuneration Committee has the Nomination and Remuneration Committee Charter, which was inaugurated by the Board of Commissioners in March 2015.
The Nomination and Remuneration Committee refers to the charter as a guide in carrying out its functions and obligations. The Charter regulates a number of things including membership, duties and responsibilities, committee meetings and prohibitions.
strUctUre AnD memBershiPMembers of the Nomination and Remuneration Committee can be appointed and dismissed by referring to the decision of the Board of Commissioners. The Nomination and Remuneration Committee consists of at least 3 (three) members with provisions: 1. 1 (one) chairperson who is also a member and also an
Independent Commissioner; and 2. Other members can come from: a. Member of the Board of Commissioners; b. Executive officer in charge of HR.
inDePenDence of nominAtion AnD remUnerAtion committeeThe Bank has fulfilled the independence requirements with the following criteria:
1. Members of the Nomination and Remuneration Committee (other than the chairman) may come from parties who hold managerial positions under the Directors in charge of HR.
2. Members of the Nomination and Remuneration Committee must have experience related to Nomination and/or Remuneration.
NamaName
Latar Belakang KarirCareer Background
PendidikanEducation
Ponky Nayarana Pudijanto Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 64 of this Annual Report
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 64 of this Annual Report
Peter Fajar Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 65 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 65 of this Annual Report
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 65 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 65 of this Annual Report
Aris Palembangan Tersedia pada profile Chief Officer yang terdapat pada halaman 71 Laporan Tahunan ini
Available on the profile of the Chief Oficers on page 71 of this Annual Report
Tersedia pada profile Chief Officer yang terdapat pada halaman 71 Laporan Tahunan ini
Available on the profile of the Chief Oficers on page 71 of this Annual Report
263Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PEngAngKATAn dAn PEMBErhEnTiAn Keanggotaan Komite Nominasi dan Remunerasi diangkat dan diberhentikan dengan merujuk pada keputusan Dewan Komisaris.
MASA jABATAn Masa jabatan anggota Komite Nominasi dan Remunerasi lebih singkat dari pada masa jabatan Dewan Komisaris sesuai dengan anggaran dasar.
TugAS dAn TAnggung jAwAB Sejalan dengan Piagam Komite Nominasi dan Remunerasi, Komite memiliki tugas dan tanggung jawab atas fungsi nominasi dan fungsi remunerasi sebagai berikut:
Tugas dan tanggung jawab Komite nominasi 1. Memberikan rekomendasi kepada Dewan Komisaris dan
Direksi kepada Dewan Komisaris mengenai: a. Formasi jabatan anggota Direksi dan/atau anggota
Dewan Komisaris.
b. Kebijakan dan kriteria yang dibutuhkan dalam proses nominasi.
c. Kebijakan evaluasi kinerja bagi anggota Direksi dan/atau anggota Dewan Komisaris.
2. Membantu Dewan Komisaris melakukan penilaian kinerja anggota Direksi dan/atau anggota Dewan Komisaris berdasarkan tolok ukur yang telah disusun sebagai bahan evaluasi.
3. Memberikan rekomendasi kepada Dewan Komisaris mengenai program pengembangan kemampuan anggota Direksi dan/atau anggota Dewan Komisaris
4. Memberikan usulan calon yang memenuhi syarat sebagai anggota Direksi dan/atau anggota Dewan Komisaris kepada Dewan Komisaris untuk disampaikan kepada RUPS.
5. Memberikan rekomendasi mengenai jumlah kandidat untuk calon anggota Dewan Komisaris dan/atau Direksi minimal dua orang.
Tugas dan Tanggung jawab Komite remunerisasi 1. Memberikan rekomendasi kepada Dewan Komisaris
mengenai: a. Struktur remunerasi. b. Kebijakan atas remunerasi. c. Besaran atas remunerasi. 2. Membantu Dewan Komisaris melakukan penilaian kinerja
dengan kesesuaian remunerasi yang diterima masing-masing anggota Direksi dan/atau anggota Dewan Komisaris.
3. Dalam memberikan rekomendasi terkait kebijakan remunerasi, Komite wajib memerhatikan:
a. Kinerja keuangan dan pemenuhan cadangan sebagaimana diatur dalam peraturan perundang-undangan yang berlaku.
APPointment AnD DismissAlMembership of the Nomination and Remuneration Committee is appointed and dismissed with reference to the decision of the Board of Commissioners.
term of office The term of office of members of the Nomination and Remuneration Committee is shorter than the term of office of the Board of Commissioners in accordance with the articles of association.
DUties AnD resPonsiBilitiesIn line with the Nomination and Remuneration Committee Charter, the Committee has the duties and responsibilities for the nomination and remuneration functions as follows:
nomination committee’s duties and responsibilities 1. Providing recommendations to the Board of Commissioners
and Directors to the Board of Commissioners regarding: a. Formation of positions for members of the Board
of Directors and/or members of the Board of Commissioners.
b. Policies and criteria needed in the nomination process.
c. Performance evaluation policies for members of the Board of Directors and/or members of the Board of Commissioners.
2. Assisting the Board of Commissioners in evaluating the performance of members of the Board of Directors and/or members of the Board of Commissioners based on benchmarks that have been prepared as evaluation material.
3. Providing recommendations to the Board of Commissioners regarding capacity building programs for members of the Board of Directors and/or members of the Board of Commissioners.
4. Proposing candidates who fulfill the requirements as members of the Board of Directors and/or members of the Board of Commissioners to the Board of Commissioners to be submitted to the GMS.
5. Providing recommendations on the number of candidates for candidates for the Board of Commissioners and/or Directors of at least two people.
Duties and responsibilities of remuneration committee 1. Providing recommendations to the Board of Commissioners
regarding: a. Remuneration structure. b. Policy on remuneration. c. Amount of remuneration. 2. Assisting the Board of Commissioners in assessing
performance with conformity to the remuneration received by each member of the Board of Directors and/or members of the Board of Commissioners.
3. In providing recommendations regarding remuneration policies, the Committee must pay attention to:
a. Financial performance and fulfillment of reserves as stipulated in the applicable laws and regulations.
264 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
b. Prestasi kerja individual. c. Kewajaran dengan peer group. d. Pertimbangan sasaran dan strategi jangka panjang
Bank.
PELATihAn & wOrKShOP Sepanjang tahun 2018, berikut adalah pelatihan serta seminar yang diikuti oleh anggota Komite Nominasi dan Remunerasi:
b. Individual work performance. c. Fairness with the peer group. d. Consideration of the Bank’s long-term goals and
strategies.
trAininG & workshoPThroughout 2018, the following are training sessions and seminars attended by members of the Nomination and Remuneration Committee:
No TanggalStart Date
Nama PelatihanTraining Title
InstitusiInstitution
NamaName
1 31-Aug-18 Manager Forum “Strategic Business Turnaround –Case Study 5” MNC Group Aris Palembangan
2 7-Feb-18 PSAK 71 Pricewaterhouse Coopers (PwC)
Eko B. Supriyanto
3 5-Feb-2018 Sertifikasi Manajemen Risiko (level 1) Komisaris GPS Peter Fajar
4 15-Aug-2018 Risk Management Refreshement Program : Enterprise Risk Management sebagai Upaya Meminimalisir Risiko Perusahaan secara Sistematid & Efektif
Lembaga Sertifikasi Profesi Perbankan (LSPP)
Ponky Nayarana Pudijanto
5 7-Feb-18 PSAK 71 Pricewaterhouse Coopers (PwC)
Rusli Witjahjono
6 03-Jul-18 Employee Engagement (soft Skill) MNC Group Sari Wulandari
7 19-Oct-18 Employee Engagement (soft Skill) MNC Bank Sari Wulandari
8 18-Jan-18 Manager Forum "Leading through Innovation" MNC Group Sari Wulandari
9 29-Mar-18 Manager Forum “Strategic Business Turnaround -GO PUBLIC” MNC Group Sari Wulandari
10 04-May-18 Manager Forum “Strategic Business Turnaround –Case Study 2” MNC Group Sari Wulandari
11 27-Jul-18 Manager Forum “Strategic Business Turnaround –Case Study 3” MNC Group Sari Wulandari
12 25-Oct-18 Manager Forum “Industry 4.0 – Get Ready to Disruptive Technology”
MNC Group Sari Wulandari
13 16-Nov-2018 TGIF: Self Healing to Increase Productivity MNC Group Sari Wulandari
rAPAT KOMiTE nOMinASi & rEMunErASi
Kebijakan Piagam Komite Nominasi dan Remunerasi menjadi dasar dari kebijakan Rapat Komite Nominasi dan Remunerasi yang menentukan hal-hal sebagai berikut:
1. Rapat Komite Nominasi dan Remunerasi diselenggarkan secara berkala paling sedikit 1 (satu) kali tiap 4 (empat) bulan.
2. Rapat Komite Nominasi dan Remunerasi hanya dapat dilakukan bila: a. Dihadiri oleh mayoritas dari jumlah Komite
Nominasi dan Remunerasi; dan b. Salah satu dari mayoritas Komite Nominasi dan
Remunerasi merupakan ketua Komite.
meetinG of nominAtion & remUnerAtion committee
PolicyThe Nomination and Remuneration Committee Charter forms the basis of the policies of the Nomination and Remuneration Committee Meeting which determine the following matters:1. Nomination and Remuneration Committee meetings
are held regularly at least 1 (one) time every 4 (four) months.
2. Nomination and Remuneration Committee meetings can only be held if:a. Attended by a majority of the total Nomination and
Remuneration Committee; andb. One of the majorities of the Nomination and
Remuneration Committees is the Chair of the Committee.
265Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
* Mengundurkan diri efektif tanggal 31 Mei 2018** Berakhir masa jabatannya pada penutupan RUPS Tahunan tanggal 31
Mei 2018*** Berakhir keanggotaannya sejak 18 September 2018**** Efektif menjabat sebagai Presiden Komisaris per tanggal 18 September
2018***** Efektif menjabat sebagai Komisaris per tanggal 14 Desember 2018****** Diangkat sebagai anggota Komite sejak 19 September 2018
* Resigning effectively on May 31, 2018** Ending his/her term of office at the closing of the Annual GMS on May
31, 2018*** Ending his/her membership since September 18, 2018**** Effectively serving as President Commissioner as of September 18, 2018***** Effectively serving as Commissioner as of December 14, 2018****** Appointed as a member of the Committee since September 19, 2018
daftar Kehadiran Anggota Komite list of committee members Attendance:
TanggalDate
PembahasanDiscussion
14 Mei 2018May 14, 2018
Penilaian dan rekomendasi Calon Presiden DirekturAssessment and Recommendation of President Directors Candidates
14 Mei 2018May 14, 2018
Penilaian dan rekomendasi calon anggota Dewan Komisaris (Calon Presiden Komisaris Independen, Calon Komisaris dan Calon Komisaris Independen)Assessment and recommendation of members of the Board of Commissioners Candidates (Independent President Commissioner Candidates, Commissioner Candidates and Independent Commissioner Candidates)
30 Mei 2018May 30, 2018
Penilaian dan rekomendasi Calon Direktur FundingAssessment and Recommendation of Funding Director Candidates
19 September 2018September 19, 2018
Penilaian dan rekomendasi Calon Drektur SDM dan Direktur KeuanganAssessment and Recommendation of HR Director and Finance Director Candidates
8 Oktober 2018October 8, 2018
Penilaian dan rekomendasi Calon Direktur KepatuhanAssessment and Recommendation of Compliance Director Candidate
NamaName
Jabatan Dalam KomitePositions in Committee
Jumlah RapatTotal Meeting
Jumlah KehadiranTotal Attendance
Tingkat KehadiranPercentage of Attendance
Eko B. Supriyanto1*Ketua merangkap anggotaChairman concurrently as a member
5 3 100%
Rusli Witjahjono2**AnggotaMember
5 3 100%
Sari Wulandari***Sekretaris merangkap anggotaSecretary concurrently as a member
5 3 100%
Ponky Nayarana Pudijanto****Ketua merangkap anggotaChairman concurrently as a member
5 2 100%
Peter Fajar*****AnggotaMember
5 0 0
Aris Palembangan*******Sekretaris merangkap anggotaSecretary concurrently as a member
5 2 100%
Frekuensi dan Kehadiran rapat Komite nominasi & remunerasi Selama tahun 2018, Komite Nominasi dan Remunerasi menyelenggarakan 5 (lima) kali rapat dengan agenda sebagai berikut:
frequency and Attendance of nomination & remuneration committee meetingsDuring 2018, the Nomination and Remuneration Committee held 5 (five) meetings with the following agenda:
266 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan Kegiatan Komite nominasi & remunerasi selama Tahun 2018 Selama tahun 2018, Komite Nominasi & Remunerasi membuat keputusan dalam rapat mengenai penilaian kinerja Bank dan Direksi tahun 2018, pedoman evaluasi kinerja karyawan tahun 2018, pedoman review gaji karyawan, metode distribusi salary karyawan, ketentuan promosi karyawan dan metode distribusi bonus kinerja karyawan. Komite juga memutuskan pedoman evaluasi kompensasi Direksi dan Dewan Komisaris tahun 2018 dan evaluasi kinerja Bank tengah tahun 2018.
rEKOMEndASi Dalam rangka pencapaian tujuan Bank, Komite Remunerasi dan Nominasi menyampaikan beberapa rekomendasi kepada Dewan Komisaris sebagai berikut:1. Fokus pada peningkatan efesiensi biaya di semua level
baik Kantor Pusat maupun Kantor Cabang2. Meningkatkan kontribusi kantor cabang terhadap
pendapatan Bank3. Mengembangkan sektor SME agar lebih baik.4. Memaksimalkan kekuatan MNC Group sebagai captive
market baik untuk produk lending maupun funding.5. Meningkatkakan rasa kepemilikan staff MNC Bank untu
membuat yang terbaik bagi Bank.
Pelaksanaan Tugas dan Frekuensi rapatSepanjang tahun 2018, Komite Special Asset Management telah mengadakan rapat sebanyak 13 kali rapat dan pelaksanaan tugas, sebagai berikut.
nomination & remuneration committee Activity report in 2018During 2018, the Nomination & Remuneration Committee made a decision at a meeting on bank and Directors performance appraisal in 2018, guidelines for employee performance evaluation in 2018, guidelines for reviewing employee salaries, employee salary distribution methods, employee promotion requirements and employee performance bonus distribution methods. The Committee also decided the guidelines for evaluating the compensation of the Board of Directors and the Board of Commissioners in 2018 and evaluating the performance of the middle bank in 2018.
recommenDAtionsIn order to achieve the Bank’s objectives, the Remuneration and Nomination Committee presents several recommendations to the Board of Commissioners as follows:1. Focusing on increasing cost efficiency at all levels, both
the Head Office and Branch Offices2. Increasing branch office contributions to the Bank’s
income3. Developing the SME sector to make it better.4. Maximizing the strength of MNC Group as a captive
market for both lending and funding products.5. Increasing the sense of ownership of MNC Bank staff to
make the best for the Bank.
implementation of Duties and frequency of meetingsThroughout 2018, the Special Asset Management Committee held 13 meetings and carried out the following duties.
No TanggalDate
Jumlah Debitur yang DiputusTotal Terminated Debtors
1 11 Januari 2018January 11, 2018 1
2 25 januari 2018January 25, 2018 2
3 7 February 2018February 7, 2018 1
4 14 February 2018February 14, 2018 5
5 28 Februari 2018February 28, 2018 1
6 28 Maret 2018March 28, 2018 3
7 30 April 2018April 30, 2018 1
No TanggalDate
Jumlah Debitur yang DiputusTotal Terminated Debtors
8 31 Mei 2018May 31, 2018 6
9 29 Juni 2018June 29, 2018 5
10 7 September 2018September 7, 2018 2
11 27 November 2018November 27, 2018 18
12 13 December 2018December 13, 2018 1
13 18 Desember 2018December 18, 2018
1
267Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
dASAr huKuM PEMBEnTuKAn Komite Pemantau Risiko dibentuk dengan mengacu kepada:
1. POJK No.18/POJK.03/2016 tanggal 16 Maret 2016 tentang Penerapan Manajemen Risiko bagi Bank Umum.
2. SEOJK No.34/SEOJK.03/2016 tanggal 1 September 2016 tentang Penerapan Manajemen Risiko bagi Bank Umum.
3. POJK No.55/POJK.03/2016 tentang Penerapan Tata Kelola bagi Bank Umum.
4. SEBI No.13/SEOJK.03/2017 tanggal 17 Maret 2017 tentang Penerapan Tata Kelola bagi Bank Umum.
KOMPOSiSi KOMiTE PEMAnTAu riSiKOSusunan Komite Pemantau Risiko MNC Bank sebelum pelaksanaan RUPS Tahunan 2018 yang ditunjuk berdasarkan Surat Keputusan Direksi PT Bank MNC Internasional Tbk No. SKEP-005/MNCB/DIR/05-16 tanggal 26 Mei 2016 adalah sebagai berikut:
leGAl BAsis formAtionThe Risk Monitoring Committee is established by referring to the following regulations:1. POJK No.18/POJK.03/2016 dated March 16, 2016
concerning Application of Risk Management for Commercial Banks.
2. SEOJK No.34/SEOJK.03/2016 dated September 1, 2016 concerning Application of Risk Management for Commercial Banks.
3. POJK No.55/POJK.03/2016 concerning Implementation of Governance for Commercial Banks.
4. SEBI No.13/SEOJK.03/2017 dated March 17, 2017 concerning Implementation of Governance for Commercial Banks.
comPosition of monitorinG risk committee The composition of the MNC Bank Risk Monitoring Committee prior to the implementation of the 2018 Annual GMS appointed based on the Decree of the Board of Directors of PT Bank MNC Internasional Tbk No. SKEP-005/MNCB/DIR/05-16 May 26, 2016 are as follows:
No NamaName
Posisi pada KomitePosition on Committee
JabatanOffice
1 Eko B. Supriyanto Ketua merangkap AnggotaChairman concurrently as a Member
Presiden Komisaris IndependenIndependent President Commissioner
2 Purnadi Harjono AnggotaMember
KomisarisCommissioner
3 Rusli Witjahjono AnggotaMember
Komisaris IndependenIndependent Commissioner
4 Arifin S. Haris Sekretaris merangkap AnggotaSecretary concurrently as a Member
Pihak IndependenIndependen Party
5 Mohammad Sumarsono AnggotaMember
Pihak IndependenIndependent Party
Susunan anggota Komite Pemantau Risiko posisi 31 Desember 2018 ditunjuk berdasarkan Surat Keputusan Direksi PT Bank MNC Internasional Tbk No. SKEP-005A/MNCB/DIR/12-18 tanggal 21 Desember 2018 adalah sebagai berikut :
The composition of the members of the Risk Monitoring Committee on December 31,2018 is based on the Decree of the Board of Directors of PT Bank MNC Internasional Tbk No. SKEP-005A/MNCB/DIR/12-18 December 21, 2018 are as follows:
No NamaName
Posisi pada KomitePosition on Committee
JabatanOffice
1 Jeny Gono Ketua merangkap AnggotaChairman concurrently as a Member
Komisaris IndependenIndependent Commissioner
2 Ponky Nayarana Pudijanto AnggotaMember
Presiden Komisaris IndependenIndependent President Commissioner
3 Peter Fajar AnggotaMember
KomisarisCommissioner
4 Arifin S. Haris Sekretaris merangkap AnggotaSecretary concurrently as a Member
Pihak IndependenIndependent Party
4 Mohammad Sumarsono Anggota Member
Pihak IndependenIndependent Party
koMIte Dewan komISarISBoard of Commissioners Committees
Risk Oversight CommitteekomIte pemantau rISIko
268 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tabel Profil Komite Pemantau RisikoTable risk oversight committee profile
NamaNames
Latar Belakang KarirCareer Backgrounds
PendidikanEducation
Jeny Gono Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 66 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 66 of this Annual Report
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 66 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 66 of this Annual Report
Ponky Nayarana Pudijanto
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 64 of this Annual Report
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 64 of this Annual Report
Peter Fajar Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 65 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 65 of this Annual Report
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 65 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 65 of this Annual Report
Arifin S. Haris Menjabat sebagai Anggota Komite Pemantau Risiko sejak 2007. Memiliki pengalaman bekerja lebih dari 15 tahundi bidang keuangan dan manajemen perbankan khususnya Manajemen Risiko, sebagai Assistant Manager BankAmerican Express (1986- 1988), Branch Manager di Bank BSB Jakarta (1988-1991), Direktur Manajemen Risiko PT.ING Bank Jakarta (1995-1998), Direktur Risk Management Bank BNN (1998-1999), Managing Director AAJ BataviaFinancial Consultant (2000-2002), Deputy Chief Risk Offcer di Bank Commonwealth Indonesia (2006- 2007). Memlikisertifikasi Instruktur Manajemen Risiko dan Manajemen Risiko dari BSMR (2006).
Served as a Member of the Risk Monitoring Committee since 2007. He has over 15 years of experience working in finance and banking management, especially Risk Management, as Assistant Manager of Bank American Express (1986- 1988), Branch Manager at Bank BSB Jakarta (1988-1991), Director of Risk Management PT. ING Bank Jakarta (1995-1998), Director of Risk Management at Bank BNN (1998-1999), Managing Director of AAJ Batavia Financial Consultants (2000-2002), Deputy Chief Risk Offcer at Commonwealth Bank Indonesia (2006-2007). Has a Risk Management Instructor and Risk Management certification from BSMR (2006).
Latar belakang pendidikan formal Baccaleureat I Universitas Gajah Mada dan Sarjana Ilmu Ekonomi dari UniversitasMuhammadiyah pada tahun 1972, berbagai pendidikan profesi perbankan dalam dan luar negeri.
Formal education background of Gajah Mada University Baccaleureat I and Bachelor of Economic Sciences from the University of Muhammadiyah in 1972, various domestic and foreign banking profession education.
Mohammad Sumarsono
Menjabat sebagai Komite Pemantau Risiko sejak 2018. Mengawali karir di perbankan sejak tahun 1985. Posisi yang pernah ditempati diantaranya bidang kredit, customer service (front office), Akuntansi (back office) dan Internal Control. Tahun 1999 dipercaya sebagai Tim Merger Bank Mandiri bidang Akuntansi. Tahun 2000 – 2013 bergabung dengan Kantor Akuntan Publik sebagai Senior Konsultan. Selain itu tahun 2000 telah memulai karir sebagai dosen dibeberapa peerguruan tinggi dan instruktur dibeberapa pelatihan public. Sejak tahun 2017 hingga saat ini menjadi Tim Pengajar di salah satu Bank BUMN. Tahun 2013 hingga 2017 masuk dalam jabatan structural di Perbanas Institute sebagai Kepala Biro.
Served as the Risk Oversight Committee since 2018. He began his career in banking since 1985. His previous positions included credit, front office, back office and internal control. In 1999, he was trusted as the Bank Mandiri Merger Team in Accounting. From 2000 - 2013, he joined the Public Accounting Office as a Senior Consultant. In addition, in 2000, he began his career as a lecturer in several colleges and instructors in several public training courses. Since 2017 until now it has become a Teaching Team in one of the BUMN Banks. 2013 to 2017, he held a structural position at Perbanas Institute as Head of Bureau.
Memiliki latar belakang pendidikan dibidang Akuntansi dan pada tahun 1985 sampai 1987 mendapatkan lebih lanjut pendidikan Akuntansi di Lembaga Manajemen Fakultas Ekonomi Universitas Indonesia. Pendidikan terakhir S2 (Magister Manajemen). Mengikuti beberapa pendidikan & pelatihan perbankan. Memiliki Sertifikasi Manajemen Risiko dan Sertifikasi Komite Audit.
Having an education background in Accounting and from 1985 to 1987, he obtained further Accounting education at the Management Institute of the Faculty of Economics, University of Indonesia. His latest education is S2 (Master of Management). Follow several banking education & training. Has Risk Management Certification and Audit Committee Certification.
269Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PiAgAM dAn TATA TErTiB KErjA KOMiTE PEMAnTAu riSiKO Komite Pemantau Risiko telah dilengkapi dengan pedoman kerja yang ditetapkan dalam Piagam dan Tata Tertib Kerja Komiter Pemantai Risiko yang telah disahkan pada tanggal 23 Oktober 2018 dalam melaksanakan tugas dan tanggung jawabnya. Piagam dan Tata Tertib Kerja Komite Pemantau Risiko memuat tugas dan tanggung jawab, rapat komite serta keanggotaan komite.
indEPEndEnSi KOMiTE PEMAnTAu riSiKO Seluruh anggota Komite Pemantau Risiko: 1. Tidak memiliki hubungan afiliasi dengan Bank,
Dewan komisaris, Direksi atau para Pemegang Saham Pengendali;
2. Tidak memiliki hubungan bisnis secara langsung atau tidak langsung yang terkait dengan kegiatan bisnis Bank;
3. Mantan Anggota Direksi atau Pejabat Eksekutif Bank atau pihak-pihak lain yang memiliki hubungan dengan Bank yang dapat mempengaruhi kemampuannya untuk bertindak independen, tidak dapat menjadi Pihak Independen sebagai anggota Komite Pemantau Risiko sebelum menjalani masa tunggu (cooling-off) selama 6 (enam) bulan.
4. Tidak mempunyai saham di Perusahaan bersangkutan, baik langsung maupun tidak langsung. Jika anggota Komite Pemantau Risiko memperoleh saham akibat suatu peristiwa hukum maka dalam jangka waktu 6 (enam) bulan setelah diperolehnya saham tersebut wajib mengalihkan kepada pihak lain
PEngAngKATAn dAn PEMBErhEnTiAn Dewan Komisaris memiliki hak untuk membentuk dan memberhentikan Komite Pemantau Risiko dalam rangka membantu pelaksanaan tugas dan tanggung jawab Dewan Komisaris sehubungan dengan pelaksanaan fungsi pengawasan aktif terhadap penerapan manajemen risiko di MNC Bank termasuk di dalamnya membantu Dewan Komisaris dalam melakukan pengawasan dan evaluasi terhadap pelaksanaan kebijakan strategis.
TugAS dAn TAnggung jAwAB 1. Mengevaluasi tentang kesesuaian antara kebijakan
manajemen risiko dengan pelaksanaan kebijakan dan memberikan rekomendasi kepada Dewan Komisaris mengenai kebijakan manajemen risiko untuk memastikan bahwa MNC Bank telah mengelola risiko-risiko secara memadai;
2. Memonitor dan mengevaluasi pelaksanaan tugas Komite Manajemen Risiko (KMR) dan Satuan Kerja Manajemen Risiko (SKMR) untuk selanjutnya memberikan rekomendasi kepada Dewan Komisaris guna meningkatkan efektivitas pelaksanaan manajemen risiko MNC Bank;
risk oVersiGht committee chArter AnD work GUiDelineThe Risk Monitoring Committee has been equipped with the work guideline set out in the Charter and Charterers of the Risk Slaughterer Work Rules, which was approved on October 23, 2018 in carrying out their duties and responsibilities. The Risk Oversight Committee Charter and Work Rules contain duties and responsibilities, committee meetings and committee membership.
inDePenDence of risk monitorinG committeeAll members of the Risk Monitoring Committee: 1. Not affiliated with the Bank, Board of Commissioners,
Directors or Controlling Shareholders;
2. Not having business relations directly or indirectly related to the Bank’s business activities;
3. Former members of the Board of Directors or Executive Officers of the Bank or other parties that have a relationship with the Bank that can influence their ability to act independently, cannot become an Independent Party as a member of the Risk Monitoring Committee before undergoing a cooling period of 6 (six) months.
4. Not having shares in related Company, both directly and
indirectly. If members of Risk Monitoring Committee obtain shares due to a legal event, so within 6 (six) months after obtaining the shares, they are required to divert it to other parties.
APPointment AnD DismissAlThe Board of Commissioners has the right to form and dismiss the Risk Monitoring Committee in order to assist the implementation of the duties and responsibilities of the Board of Commissioners in relation to the implementation of the active supervisory function on the implementation of risk management in MNC Bank including assisting the Board of Commissioners in monitoring and evaluating the implementation of strategic policies.
DUties AnD resPonsiBilities 1. Evaluate the conformity between risk management
policies and implementation of policies and provide recommendations to the Board of Commissioners regarding risk management policies to ensure that the MNC Bank has managed risks adequately;
2. Monitor and evaluating the implementation of the duties of the Risk Management Committee (KMR) and the Risk Management Unit (SKMR) to subsequently provide recommendations to the Board of Commissioners to improve the effectiveness of the implementation of MNC Bank risk management;
270 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tabel Pelatihan dan WorkshopTable of Training and Workshop
3. Memberikan rekomendasi kepada Dewan Komisaris atas kebijakan yang telah diambil oleh Direksi berkaitan dengan manajemen risiko, antara lain kebijakan-kebijakan yang terkait dengan Risiko Kredit, Risiko Pasar, Risiko Likuiditas, Risiko Operasional, Risiko Hukum, Risiko Stratejik, Risiko Kepatuhan dan Risiko Reputasi;
4. Melakukan penilaian atas situasi yang diperkirakan dapat membahayakan kelangsungan usaha MNC Bank, agar selanjutnya dapat dilaporkan oleh Dewan Komisaris kepada Otoritas Jasa Keuangan dalam kurun waktu yang ditetapkan.
PELATihAn & wOrKShOP Sepanjang tahun 2018, pelatihan serta seminar yang diikuti oleh anggota Komite Pemantau Risiko adalah:
3. Provide recommendations to the Board of Commissioners on the policies taken by the Board of Directors relating to risk management, including policies related to Credit Risk, Market Risk, Liquidity Risk, Operational Risk, Legal Risk, Strategic Risk, Compliance Risk and Reputation Risk;
4. Conduct an assessment of the situation that is expected to jeopardize the sustainability of the MNC Bank’s business, so that it can then be reported by the Board of Commissioners to the Financial Services Authority within the stipulated period.
trAininG & workshoPThroughout 2018, the training sessions and seminars attended by members of the Risk Monitoring Committee are:
No TanggalStart Date
Nama PelatihanTraining Title
InstitusiInstitution
NamaName
1 7-Feb-18 PSAK 71 Pricewaterhouse Coopers (PwC) Eko B. Supriyanto
2 7-Feb-18 PSAK 71 Pricewaterhouse Coopers (PwC) Rusli Witjahjono
3 5-Feb-2018 Sertifikasi Manajemen Risiko (level 1) Komisaris GPS Peter Fajar
4 10-Jul-2018 Restrukturisasi & Penyelamatan Kredit yang Efektif Guna Meningkatkan Kinerja Bank
Badan Sertifikasi Manajemen Risiko (BSMR)
Jeny Gono
5 15-Aug-2018Risk Management Refreshement Program : Enterprise Risk Management sebagai Upaya Meminimalisir Risiko Perusahaan secara Sistematid & Efektif
Lembaga Sertifikasi Profesi Perbankan (LSPP) Ponky Nayarana Pudijanto
271Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KEBijAKAn, FrEKuEnSi & KEhAdirAn rAPAT KOMiTEPEMAnTAu riSiKO Komite Pemantau Risiko menggelar rapat sekurang-kurangnya 4 (empat) kali dalam setahun dengan persyaratan korum dan tata cara pengambilan keputusan sesuai dengan Piagam dan Tata Kerja Komite Pemantau Risiko.
Direksi dan/atau Group Head, Pejabat Eksekutif yang terkait dengan masalah yang dibahas dalam rapat Komite Pemantau Risiko berhak diundang ke dalam rapat oleh Komite Pemantau Risiko.
Semua anggota Komite Pemantau Risiko menandatangani risalah rapat yang memuat hasil akhir rapat dan didokumentasikan oleh Sekretariat Komite Pemantau Risiko. Semua salinan risalah rapat disampaikan kepada anggota Komite Pemantau Risiko, Direksi dan Dewan Komisaris. Risalah Rapat juga wajib mencantumkan:
1. Perbedaan pendapat (dissenting opinion) yang terjadi secara jelas beserta alasan perbedaan pendapat tersebut
2. Pendapat dari berbagai pihak yang hadir antara lain mencakup pendapat terhadap laporan hasil “self assessment” yang dibuat oleh SKMR tentang Penilaian Tingkat Kesehatan Bank/RBBR dan pendapat lain terkait dengan pembahasan dalam agenda rapat.
Sepanjang tahun 2018, Komite Pemantau Risiko telah mengadakan Rapat sebanyak 10 (sepuluh kali dengan tingkat kehadiran anggota sebagai berikut:
Policy, freQUency & AttenDAnce of committee meetinGs PolicyThe Risk Oversight Committee holds a minimum of 4 (four) meetings a year with general requirements and decision-making procedures in accordance with the Charter and Work Procedure of the Risk Monitoring Committee.
The Board of Directors and/or Group Head, Executive Officers related to the issues discussed in the Risk Monitoring Committee meetings are entitled to be invited to the meeting by the Risk Monitoring Committee.
All members of the Risk Oversight Committee sign the minutes of meetings that contain the final results of the meeting and are documented by the Risk Monitoring Committee Secretariat. All copies of minutes of meetings are submitted to members of the Risk Monitoring Committee, Directors and Board of Commissioners. Minutes of Meeting must also include:1. Dissenting opinions that clearly occur along with the
reasons for such dissent
2. Opinions from various parties present included opinions on the report on the results of “self assessment” made by the SKMR on the Evaluation of Bank / RBBR Soundness Levels and other opinions related to the discussion on the agenda of the meeting.
Throughout 2018, the Risk Oversight Committee held 10 (ten) meetings with the following attendance:
Tabel Agenda Rapat Komite Pemantau RisikoTable of risk oversight committee Meetings Agenda
Tanggal RapatMeeting Date Mata Acara Agenda
30 Januari 2018January 30, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Konfirmasi MOM ROC 29 November 2017.1.2. Executive Summary.1.3. Enterprise Risk Dashboard (ERD).1.4. Tingkat Kesehatan Bank Komposit (RBBR) & Risk
Profile.1.5. Bankwide Loan Performance.1.6. Monitoring lainnya.1.7. Top Risk.
2. Additional Agenda:2.1. Compliance Report.
Opening by ROS Chairman 1. Fixed Agenda: 1.1. MOM ROC Confirmation on November 27, 2018 1.2. Executive Summary. 1.3. Enterprise Risk Dashboard (ERD). 1.4. Composite Bank Health Level (RBBR) & Risk Profile.
1.5. Bankwide Loan Performance. 1.6. Other Monitoring 1.7. Top Risk. 2. Additional Agenda: 2.1. Compliance Report.
272 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tanggal RapatMeeting Date Mata Acara Agenda
26 Februari 2018February 26, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Konfirmasi MOM ROC 31 Januari 2018.1.2. Executive Summary.1.3. Enterprise Risk Dashboard (ERD).1.4. Tingkat Kesehatan Bank Komposit (RBBR) & Risk
Profile.1.5. Bankwide Loan Performance.1.6. Monitoring lainnya.1.7. Top Risk.
2. Additional Agenda:2.1. Compliance Report.
Opening by ROS Chairman 1. Fixed Agenda: 1.1. MOM ROC Confirmation on January 31, 2018. 1.2. Executive Summary. 1.3. Enterprise Risk Dashboard (ERD). 1.4. Composite Bank Health Level (RBBR) & Risk Profile.
1.5. Bankwide Loan Performance. 1.6. Other Monitoring 1.7. Top Risk. 2. Additional Agenda: 2.1. Compliance Report.
27 Maret 2018March 27, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Konfirmasi MOM ROC 26 Februari 2018.1.2. Executive Summary.1.3. Enterprise Risk Dashboard (ERD).1.4. Tingkat Kesehatan Bank Komposit (RBBR) & Risk
Profile.1.5. Bankwide Loan Performance.1.6. Monitoring lainnya.1.7. Top Enterprise Risk.
2. Additional Agenda:2.1. Compliance Report.2.2. Status Terkini Kasus Litigasi yang Menimbulkan
Tuntutan Material.2.3. Credit at Risk posisi Februari 2018.2.4. Monitoring BMPK: Hasil Penelitian Terhadap 25
Debitur Inti, memastikan kelompok peminjam ‘grouping’.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. MOM ROC Confirmation on February 26, 2018. 1.2. Executive Summary. 1.3. Enterprise Risk Dashboard (ERD). 1.4. Composite Bank Health Level (RBBR) & Risk Profile. 1.5. Bankwide Loan Performance. 1.6. Other Monitoring 1.7. Top Enterprise Risk.
2. Additional Agenda: 2.1. Compliance Report. 2.2. Current Status of Litigation Cases Causing Material
Demands. 2.3. February 2018 Credit at Risk position. 2.4. Monitoring of LLL: Research Results Against
25 Core Debtors, ascertaining the ‘grouping’ borrowing group.
2 Mei 2018 (Untuk bulan April)May 2, 2018 (for April)
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Konfirmasi MOM ROC 27 Maret 2018.1.2. Executive Summary.1.3. Enterprise Risk Dashboard (ERD).1.4. Tingkat Kesehatan Bank Komposit (RBBR) & Risk
Profile.1.5. Bankwide Loan Performance.1.6. Monitoring lainnya.1.7. Top Enterprise Risk.
2. Additional Agenda:2.1. Compliance Report.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. MOM ROC Confirmation on March 27, 2018. 1.2. Executive Summary. 1.3. Enterprise Risk Dashboard (ERD). 1.4. Composite Bank Health Level (RBBR) & Risk Profile.
1.5. Bankwide Loan Performance. 1.6. Other Monitoring. 1.7. Top Enterprise Risk. 2. Additional Agenda: 2.1. Compliance Report.
23 Mei 2018May 23, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Konfirmasi MOM ROC 2 Mei 2018 (untuk bulan April).
1.2. Previous Matter(s) Arising.1.3. Executive Summary.1.4. Enterprise Risk Dashboard (ERD).1.5. Tingkat Kesehatan Bank Komposit (RBBR) & Risk
Profile.1.6. Bankwide Loan Performance.1.7. Monitoring lainnya.1.8. Top Enterprise Risk.
2. Additional Agenda:2.1. Compliance Report.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. MOM ROC Confirmation on May 2, 2018 (for April).
1.2. Previous Matter(s) Arising. 1.3. Executive Summary. 1.4. Enterprise Risk Dashboard (ERD). 1.5. Composite Bank Health Level (RBBR) & Risk Profile.
1.6. Bankwide Loan Performance. 1.7. Other Monitoring. 1.8. Top Enterprise Risk. 2. Additional Agenda: 2.1. Compliance Report.
273Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Tanggal RapatMeeting Date Mata Acara Agenda
26 Juli 2018July 26, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Konfirmasi MOM ROC 23 Mei 2018.1.2. Top Enterprise Risk.1.3. Executive Summary.1.4. Enterprise Risk Dashboard (ERD).1.5. Tingkat Kesehatan Bank Komposit (RBBR) & Risk
Profile.1.6. Bankwide Loan Performance.1.7. Monitoring lainnya.
2. Additional Agenda:2.1. Compliance Report.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. MOM ROC Confirmation on May 23, 2918. 1.2. Top Enterprise Risk. 1.3. Executive Summary. 1.4. Enterprise Risk Dashboard (ERD). 1.5. Composite Bank Health Level (RBBR) & Risk Profile.
1.6. Bankwide Loan Performance. 1.7. Other Monitoring. 2. Additional Agenda: 2.1. Compliance Report.
28 Agustus 2018August 28, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Konfirmasi MOM ROC 26 Juli 2018.1.2. Top Enterprise Risk.1.3. Executive Summary.1.4. Enterprise Risk Dashboard (ERD).1.5. Tingkat Kesehatan Bank Komposit (RBBR) & Risk
Profile.1.6. Bankwide Loan Performance.1.7. Monitoring lainnya.
2. Additional Agenda:2.1. Compliance Report.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. MOM ROC Confirmation on July 26, 2918. 1.2. Top Enterprise Risk. 1.3. Executive Summary. 1.4. Enterprise Risk Dashboard (ERD). 1.5. Composite Bank Health Level (RBBR) & Risk Profile.
1.6. Bankwide Loan Performance. 1.7. Other Monitoring. 2. Additional Agenda: 2.1. Compliance Report.
25 September 2018September 25, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Previous Matters Arising.1.2. Credit Portofolio.1.3. Summary ERD.1.4. Top Enterprise Risk.1.5. Review RA & RT.
2. Additional Agenda:2.1. Compliance Report.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. Previous Matters Arising. 1.2. Credit Portofolio. 1.3. Summary ERD. 1.4. Top Enterprise Risk. 1.5. Review RA & RT. 2. Additional Agenda: 2.1. Compliance Report.
23 Oktober 2018October 23, 2017=8
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Previous Matters Arising.1.2. Credit Portofolio.1.3. Summary ERD.1.4. Top Enterprise Risk.1.5. Review RA & RT, CKPN
2. Additional Agenda:2.1. Compliance Report.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. Previous Matters Arising. 1.2. Credit Portofolio. 1.3. Summary ERD. 1.4. Top Enterprise Risk. 1.5. Review RA & RT, CKPN 2. Additional Agenda: 2.1. Compliance Report.
27 November 2018November 27, 2018
Pembukaan oleh Ketua ROC1. Fixed Agenda:
1.1. Previous Matters Arising.1.2. Credit Portofolio.1.3. Summary ERD.1.4. Top Enterprise Risk.1.5. Review RA & RT, CKPN
2. Additional Agenda:2.1. Compliance Report.
Opening by ROC Chairman 1. Fixed Agenda: 1.1. Previous Matters Arising. 1.2. Credit Portofolio. 1.3. Summary ERD. 1.4. Top Enterprise Risk. 1.5. Review RA & RT, CKPN 2. Additional Agenda: 2.1. Compliance Report.
274 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
No NamaName
Posisi pada KomitePosition on Committee
Jumlah Rapat*Number of Meeting*
Jumlah KehadiranAttendance
Tingkat KehadiranAttendance Percentage
1 Eko B. Supriyanto Ketua merangkap anggota (sampai dengan bulan Mei 2018)
Chairman concurrently as Member (until May 2018)
10 5 100%
3 Rusli Witjahjono Anggota (sampai dengan bulan Mei 2018)Member (until May 2018)
10 5 100%
4 Arifin S. Haris Sekretaris merangkap AnggotaSecretary concurrently as Member
10 8 80%
5 Mohammad Sumarsono
AnggotaMember
10 10 100%
Keikutsertaan Ketua dan Anggota Komite dalam Rapat Komite Pemantau Risikoparticipation of chair and committee Members in the risk oversight committee Meeting
Keikutsertaan Direksi/Business Head dan Komite Audit dalam Rapat Komite Pemantau RisikoThe participation of the Board of directors/Business head and Audit committee at the risk Monitoring committee Meeting
Dihadiri oleh Direksi Business HeadAttended by Directors of Business Head
NamaName
BulanMonth
1 2 3 4 5 6 7 8 9 10 11 12
Benny Purnomo √ √
Chisca Mirawati √ √ √
Rita Montagna √ √ √
Budy Setiawan √
Vincentia Djuniwati √
Mahdan Ibrahim √ √Dihadiri oleh Audit CommitteeAttended by Audit Committee
Name1 2 3 4 5 6 7 8 9 10 11 12
Riva Abdillah √ √ √ √ √ √ √
Purna Senjaya √
Hermanto Sihombing √ √John Kornelius √ √
* Rapat Komite Pemantau Risiko yang diselenggarakan pada Semester II tahun 2018 merupakan rapat internal yang membahas aktivitas manajemen risiko
* Risk Monitoring Committee meetings held in Semester II of 2018 was internal meetings that discussed risk management activities
275Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PELAKSAnAAn TugAS dAn TAnggung jAwAB KOMiTE PEMAnTAu riSiKO di TAhun 2018 1. Memantau pelaksanaan tugas KMR-Komite Manajemen
Risiko dan SKMR- Satuan Kerja Manajemen Risiko
2. Memantau kebijakan manajemen risiko yang telah diambil oleh Direksi
3. Melakukan evaluasi atas situasi yang diperkirakan dapat membahayakan kelangsungan usaha Bank.
4. Sesuai dengan Piagam Komite Pemantau Risiko (‘ROC Charter’) PT Bank MNC Internasional, Tbk. (“Bank”).
rEKOMEndASi Dalam pelaksanaan tugasnya Komite Pemantau Risiko telah memberikan rekomendasi antara lain: 1. Monitoring secara ketat terhadap proses pemberian
fasilitas kepada debitur-debitur baru. 2. Monitoring rencana peningkatan modal melalui mekanisme
right issue. 3. Monitoring atas Action Plan debitur-debitur wholesale
banking yang terjadi pelampauan BMPK (posisi Desember 2017) akibat adanya penurunan Modal sebagai dampak beban pembentukan CKPN.
4. Untuk memenuhi ketentuan dari OJK maka pelaksanaan restrukturisasi kredit agar mengacu kepada tiga pilar
5. Kontrol dan monitoring terhadap kualitas kredit harus
ditingkatkan untuk menghindari munculnya NPL-NPL baru
6. NPL di Top 25 Borrowers agar dapat ditangani dengan baik.
7. Membangun dan terus meningkatkan budaya risiko (risk culture).
8. Monitor dan kontrol yang ketat atas perkembangan DPK khususnya pada beberapa nasabah/25 Deposan terbesar.
9. Menghindari pemberian fasilitas kredit dengan suku bunga (lending rate) di bawah loanable fund
10. Pemantauan terhadap akibat yang dapat timbul dari naiknya kurs USD
11. Meningkatkan portofolio kredit dengan tetap memperhatikan batasan-batasan ketentuan dari regulator
12. Pelaksanaan kaji ulang Risk Appetite & Risk Tolerance 13. Peningkatan kualitas kredit harus terus dilakukan sejalan
dengan upaya peningkatan NIM secara berkualitas. 14. Kredit-kredit komersial baru di atas Rp. 1 Milyar
dan suplesi/top up kredit di bawah 1 tahun, agar dipertimbangkan dan dijadikan obyek audit oleh Internal Audit Grup.
15. Kontrol yang lebih baik terhadap pelaksanaan input data Sandi LBU/LHBU untuk menghindari kesalahan yang berakibat adanya denda dari regulator.
16. Hasil stress test likuiditas agar dapat di antisipasi dengan baik
17. Harus ada supervisi yang baik atas pengisian (kelengkapan) data nasabah.
imPlementAtion of risk monitorinG committee DUties AnD resPonsiBilities in 2018 1. Monitoring the implementation of the tasks of the
KMR-Risk Management Committee and SKMR-Risk Management Work Unit
2. Monitoring risk management policies taken by the Directors
3. Evaluating the expected situation that could endanger the business continuity of the Bank.
4. In accordance with the Risk Monitoring Committee Charter (OC ROC Charter ’) PT Bank MNC International, Tbk. (“Bank”).
recommenDAtionsIn carrying out its duties the Risk Monitoring Committee has provided recommendations including: 1. Strict monitoring of the process of providing facilities to
new debtors. 2. Monitoring the plan to increase capital through a rights
issue mechanism. 3. Monitoring the Action Plan of wholesale banking debtors
that have exceeded the LLL (December 2017 position) due to a decrease in Capital as a result of the burden of forming the CKPN.
4. Complying with the provisions of the OJK, the implementation of credit restructuring must refer to three pillars
5. Controling and monitoring credit quality must be improved to avoid the emergence of new NPLs
6. NPLs in the Top 25 Borrowers to be handled properly.
7. Building and continuing to improve the risk culture.
8. Monitoring and strictly controlling over the development of deposits especially for some customers/25 biggest depositors.
9. Avoid giving credit facilities with a lending rate below the loanable fund
10. Monitoring of the consequences that can arise from rising USD rates
11. Increasing the loan portfolio while taking into account the limits of the provisions of the regulator
12. Risk Appetite & Risk Tolerance review 13. Credit quality improvement must be carried out in line
with efforts to improve NIM quality. 14. New commercial loans above Rp. 1 billion and supple/
top up of credit under 1 year, to be considered and used as an audit object by the Group’s Internal Audit.
15. Better control over the implementation of LBU / LHBU Password data input to avoid mistakes that result in fines from regulators.
16. Results of stress test liquidity so that it can be well anticipated
17. There must be good supervision of filling (completeness) of customer data.
276 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
koMIte Dewan komISarISBoard of Commissioners Committees
Integrated Governance CommitteedASAr PEMBEnTuKAn Susunan anggota Komite Tata Kelola Terintegrasi berdasarkan Surat Keputusan Direksi Entitas Utama No. SKEP-005B/MNCB/DIR/12-18 tanggal 21 Desember 2018 adalah sebagai berikut”.
BAsic formAtionThe composition of the Integrated Governance Committee members based on the Decree of the Parent Entity Directors No. SKEP-005B/MNCB/DIR/12-18 December 21, 2018 are as follows
No. NamaName
Jabatan dalam Komite TKTPosition on TKT Committee
PerusahaanCompany
1 Ponky Pudijanto Ketua merangkap AnggotaChairman concurrently as Member
PT Bank MNC Internasional Tbk
2 H. Eddy Yantho Sofwan Anggota merangkap SekretarisSecretary concurrently as Member
PT Bank MNC Internasional Tbk(Pihak Independen di Komite Entitas Utama)
3 Erdi Suriaherdadi Manan AnggotaMember
PT MNC Guna Usaha Indonesia
4 Inkes Lukman AnggotaMember
PT MNC Asuransi Indonesia & PT MNC Life Assurance
5 Drs. Christ Soepontjo AnggotaMember
PT MNC Sekuritas
6 Prof. DR. Hj. Uswatun Khasanah Anggota (Anggota DPS)Member
PT Finance dan PT MNC Asset Management
PrOFiL KOMiTE TATA KELOLA TErinTEgrASi Profile of inteGrAteD GoVernAnce committee
NamaName
Latar Belakang KarirCareer Background
PendidikanEducation
Ponky Nayarana Pudijanto
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini
Available on the profile of the Board of Commissioners oon page 64 of this Annual Report
Tersedia pada profile Dewan Komisaris yang terdapat pada halaman 64 Laporan Tahunan ini
Available on the profile of the Board of Commissioners on page 64 of this Annual Report
H. Eddy Yantho Sofwan Menjabat sebagai anggota Komite Audit sejak 1 Oktober 2016. Perjalanan karir sebelumnya adalah menjadi Inspektur (Eselon I) PT Bank Rakyat Indonesia (Persero) Tbk Pekanbaru (1 Februari 2015 – 31 Mei 2016), sebagai Wakil Inspektur (Eselon II) BRI Manado (1 April 2007 – 31 Mei 2009), Wakil Inspektur (Eselon II) BRI Banjarmasin (1 Juni 2009 – 31 Maret 2011), Wakil Inspektur (Eselon II) BRI Yogyakarta (1 April – 31 Desember 2011) dan Wakil Inspektur (Eselon II) BRI Jakarta 3 (1 Januari 2012 – 31 Januari 2015)
Serving as a member of the Audit Committee since October 1, 2016. His previous career was as Inspector (Echelon I) f PT Bank Rakyat Indonesia (Persero) Tbk Pekanbaru (1 February 2015 - 31 May 2016), as Deputy Inspector (Echelon II) BRI Manado (1 April 2007 - 31 May 2009), Deputy Inspector (Echelon II) BRI Banjarmasin (1 June 2009 - 31 March 2011), Deputy Inspector (Echelon II) BRI Yogyakarta (April 1 - December 31 2011) and Deputy Inspector (Echelon II) of BRI Jakarta 3 (January 1, 2012 - January 31, 2015)
Memperoleh gelar Sarjana Ekonomi dari Universitas Trisakti Jakarta pada tahun 1985 serta mendapatkan sertifikasi profesi Qualified Internal Auditor (QIA) dari Yayasan Pendidikan Internal Audit (YPIA), Sertifikasi Manajemen Risiko perbankan Level III dari Badan Sertifikasi Profesi perbankan.Obtain Bachelor of Economics Degree from Trisakti University in 1985 and obtained Qualified Internal Auditor(QIA) from Yayasan Pendidikan Internal Audit (YPIA), level III– Badan Sertifikasi Profesi perbankan.
Obtained a Bachelor of Economics degree from Trisakti University Jakarta in 1985 and obtained Professional certification of Qualified Internal Auditors (QIA) from the Internal Audit Education Foundation (YPIA), Level III banking Risk Management Certification from the Banking Professional Certification Agency. Obtain a Bachelor of Economics Degree from Trisakti University in 1985 and obtained a Qualified Internal Auditor (QIA) from the Internal Audit Education Foundation (YPIA), level III - Banking Professional Certification Agency.
komIte tata kelola terIntegraSI
277Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
NamaName
Latar Belakang KarirCareer Background
PendidikanEducation
Erdi Suriaherdadi Manan
• PT ORIX Indonesia Finance, dari tahun 1989 hingga 2009, dengan jabatan terakhir sebagai Vice Director.
• Menjabat sebagai Presiden Direktur ABN Amro Finance Indonesia pada tahun 2000 - 2002.
• Obtaining a degree in Electrical Engineering from the Bandung
Institute of Technology (ITB) in 1978.• Obtaining a Masters in Business Administration from IPMI
Business School Jakarta in 1988.
• Memperoleh gelar sarjana Electrical Engineering dari Institut Teknologi Bandung (ITB) pada tahun 1978.
• Melanjutkan pendidikan dan Memperoleh gelar Magister Business Administration dari IPMI Business School Jakarta pada tahun 1988.
• Obtaining a degree in Electrical Engineering from the Bandung Institute of Technology (ITB) in 1978.
• He continued his education and obtaining a Masters in Business Administration from IPMI Business School Jakarta in 1988.
Inkes Lukman • Menjabat di PT Asuransi Allianz Life dengan jabatan terakhir sebagai Chief Corporate Distribution Officer dari tahun 1998-2012.
• Menjabat sebagai Direktur Pemasaran di PT Asuransi Allianz Utama Indonesia dari tahun 2012-2017.
• Menjabat sebagai Komisaris Independen PT MNC Asuransi Indonesia sejak tanggal 9 April 2018.
• Serving at PT Asuransi Allianz Life as Chief Corporate Distribution Officer in 1998-2012.
• Serving as Marketing Director of PT Asuransi Allianz Utama Indonesia in 2012-2017
• Serving as Independent Commissioner of PT MNC Asuransi Indonesia since April 2018.
• Memperoleh gelar Sarjana Teknik Elektro dari Universitas Trisakti pada tahun 1991.
• Memperoleh gelar Master Of Business Administration (MBA) dari University of Melbourne, Australia pada tahun 1997.
• Memperoleh sertifikat profesi Asuransi antara lain AAAIK, AAAK, AAIJ, FLMI, ACS, CPLHI, QIP.
• Obtaining a Bachelor's degree in Electrical Engineering from Trisakti University in 1991.
• Obtaining a Master of Business Administration (MBA) from the University of Melbourne, Australia in 1997.
• Obtaining an insurance profession certificate, among others, AAAIK, AAAK, AAIJ, FLMI, ACS, CPLHI, QIP.
Drs. Christ Soepontjo Menjabat sebagai Komisaris PT MNC Land Tbk (2013 – sekarang), Komisaris Independen PT MNC Sekuritas (2009 - sekarang), Komisaris Independen PT MNC Finance (dahulu PT Bhakti Finance) pada periode tahun 2006-2009.Memulai karir profesionalnya di Kepolisian Republik Indonesia selaku Kasi Ops. Komtares Pare-Pare di Polda Sulawesi Selatan (1970), PA Koserse POLRI(1975), Dan Sat Serse Dak Riau (1982), Kapolresta Pekan Baru Dak Riau (1982), Kasat. Serse Polda Jabar dan Wakapoltabes Bandung Polda Jabar(1985), Wakapolwil Purwakarta Polda Jabar(1987), Kadit Diklat Polda Sulawesi Utara (1991),Kapolwiltabes Surabaya Jatim (1992), Kasubdit Tipikor Ditserse Polri (1993), Ses Ditserse Polri(1996), Wakil Gubernur PTIK (1997), Kapolda Kaltim(1998), Waaslog Kapolri (1999) dan Deputi Inspektur Jenderal Kepolisian RI tahun 2001 sebelum akhirnya memasuki masa purna bhakti di tahun 2002.Serving as Commissioner of PT MNC Land Tbk (2013 - present), Independent Commissioner of PT MNC Sekuritas (2009 - present), Independent Commissioner of PT MNC Finance (formerly PT Bhakti Finance) in the period 2006-2009.
Commencing his professional career at the Indonesian National Police as Kasi Ops. Pare-Pare staff in the South Sulawesi Regional Police (1970), PA Koserse POLRI (1975), and Sat Serse Dak Riau (1982), Kapolresta Pekan Baru Dak Riau (1982), Invisible. Serse the West Java Regional Police and the Deputy Chief of the Bandung Regional Police of West Java Regional Police (1985), West Java Regional Police Headquarters Regional Office (1987), North Sulawesi Regional Police Training Center (1991), Surabaya East Java Police Headquarters (1992), Ditserse Polri (1993), Ditserse Polri (1996) , Deputy Governor of PTIK (1997), East Kalimantan Regional Police Chief (1998), Waaslog National Police Chief (1999) and Deputy Inspector General of the Indonesian National Police in 2001 before finally entering full service in 2002.
Menyelesaikan pendidikan Kepolisian Republik Indonesia di AAK pada tahun 1968, PTIK pada tahun 1975, SESPIMPOL pada tahun 1981, SESKO ABRI pada tahun 1991 dan lulus LEMHANAS pada tahun 2000.
Completing education in the Republic of Indonesia Police at AAK in 1968, PTIK in 1975, SESPIMPOL in 1981, SESKO ABRI in 1991 and passed LEMHANAS in 2000.
278 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
TugAS dAn TAnggung jAwAB Komite Tata Kelola Terintegrasi mempunyai tugas dan tanggung jawab sebagai berikut: 1. Mengevaluasi pelaksanaan Tata Kelola Terintegrasi paling
sedikit melalui penilaian: a. Kecukupan pengendalian internal terintegrasi dengan
melakukan: 1) Evaluasi EU dan LJK memiliki sistem pengendalian
internal yang terintegrasi dan baku sesuai dengan praktik terbaik yang berlaku dan sesuai dengan Konglomerasi Keuangan.
2) Pemantauan (monitoring) dan evaluasi efektifitas penerapan pengendalian internal terintegrasi melalui kajian laporan berkala dan laporan audit internal terintegrasi yang dikeluarkan oleh Satuan Kerja Audit Internal Terintegrasi.
3) Pertemuan berkala dengan Satuan Kerja Audit Internal Terintegrasi untuk membahas pelaksanaan dan hal-hal terkait sistem pengendalian internal terintegrasi.
4) Pemantauan dan evaluasi pelaksanaan tindak lanjut oleh Direksi EU dan LJK atas hasil temuan Satuan Kerja Audit Internal Terintegrasi, Kantor Akuntan Publik dan hasil pengawasan Otoritas Jasa Keuangan terkait kelemahan dan/atau perbaikan sistem dan pelaksanaan pengendalian internal terintegrasi.
DUties AnD resPonsiBilities The Integrated Governance Committee has the following duties and responsibilities: 1. Evaluate the implementation of Integrated Governance at
least through assessment: a. Adequacy of integrated internal controls by doing:
1) Evaluate EU and LJK with an integrated and standard internal control system in accordance with the best practices that apply and are in accordance with the Financial Conglomerate.
2) Monitor and evaluate the effectiveness of the implementation of integrated internal controls through periodic review reports and integrated internal audit reports issued by the Integrated Internal Audit Work Unit.
3) Periodically organize meeting with the Integrated Internal Audit Work Unit to discuss implementation and matters related to the integrated internal control system.
4) Monitor and evaluate the implementation of follow-up actions by EU and LJK Directors on the findings of the Integrated Internal Audit Work Unit, Public Accounting Office and the results of supervision of the Financial Services Authority related to weaknesses and/or system improvements and implementation of integrated internal controls.
NamaName
Latar Belakang KarirCareer Background
PendidikanEducation
Prof. DR. Hj. Uswatun Khasanah
Menjabat sebagai Dewan Pengawas Syariah pada PT MNC Finance sejak tahun 2008 Berdasarkan surat rekomendasi dari Dewan Syariah Nasional – MUI No. U-305/DSN-MUI/IX/2008. Menjabat sebagai Dewan Pengawas Syariah pada PT MNC Asset Management sejak tahun 2004 Berdasarkan surat rekomendasi dari Dewan Syariah Nasional – MUI No. 310/DSN-MUI/IX/2012. Saat ini beliau juga menjabat sebagai Anggota Dewan Guru Besar Universitas Indonesia dan masih aktif sebagai staf pengajar di beberapa Perguruan Tinggi di Jakarta. Beliau juga merupakan Anggota Dewan Syariah Nasional, Anggota Komisi Fatwa Majelis Ulama Indonesia dan Sekretaris Dewan Penasehat Ikatan Ahli Ekonomi Islam Indonesia hingga saat ini.
Serving as Sharia Supervisory Board at PT MNC Finance since 2008 Based on a recommendation letter from the National Sharia Board - MUI No. U-305 / DSN-MUI / IX / 2008. Serving as Sharia Supervisory Board at PT MNC Asset Management since 2004 Based on the recommendation letter from the National Sharia Board - MUI No. 310 / DSN-MUI / IX / 2012. Currently he also serves as a Member of the Board of Professors of the University of Indonesia and is still active as a teaching staff in several Universities in Jakarta. He is also a Member of the National Sharia Council, Member of the Fatwa Commission of the Indonesian Ulema Council and Secretary of the Advisory Board of the Indonesian Islamic Economic Expert Association to date.
Memperoleh gelar sarjana dari IAIN Sunan Kalijaga dan lulus pada tahun 1980. Melanjutkan pendidikan S2 dan S3 di IAIN Syarif Hidayatullah dan lulus pada tahun 1990 dan 1997. Beliau memperoleh sertifikasi Ahli Syariah Pasar Modal pada 23 Juli 2016.
She obtained a bachelor's degree from IAIN Sunan Kalijaga and graduated in 1980. She continued her Masters and Doctoral degree at IAIN Syarif Hidayatullah and graduated in 1990 and 1997. He obtained a Capital Market Sharia Expert certification on July 23, 2016.
279Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
5) Pelaporan secara berkala atas hasil pemantauan dan memberikan rekomendasi/ masukan yang diperlukan dalam rangka perbaikan pengendalian internal terintegrasi dan perlu menjadi perhatian dari Dewan Komisaris EU dan LJK.
b. Pelaksanaan fungsi kepatuhan secara terintegrasi dengan melakukan:
1) Pemantauan dan evaluasi kepatuhan EU dan LJK terhadap peraturan perundang-undangan yang berlaku serta peraturan OJK, Bank Indonesia dan peraturan lainnya yang terkait dengan usaha bidang perbankan dan lembaga jasa keuangan lainnya (sekuritas, pembiayaan, manajer investasi dan perasuransian) melalui koordinasi dengan Satuan Kerja Kepatuhan Terintegrasi.
2) Pemantauan dan evaluasi laporan berkala dan laporan hasil pemeriksaan yang terkait dengan kepatuhan terhadap pengendalian internal dan ekstern yang dikeluarkan oleh Satuan Kerja Kepatuhan Terintegrasi dan auditor ekstern.
3) Pertemuan berkala dengan Satuan Kerja Kepatuhan Terintegrasi dengan membahas hal-hal terkait kepatuhan EU dan LJK terhadap peraturan internal dan ekstern.
4) Pemantauan dan evaluasi pelaksanaan tindak lanjut oleh Direksi EU dan LJK atas hasil temuan Satuan Kerja Kepatuhan Terintegrasi, Kantor Akuntan Publik dan hasil pengawas OJK terkait kelemahan dan/atau perbaikan sistem dan pelaksanaan fungsi kepatuhan.
5) Pelaporan secara berkala atas hasil pemantauan dan memberikan rekomendasi/masukan yang diperlukan dalam rangka perbaikan kepatuhan terintegrasi dan perlu menjadi perhatian dari Dewan Komisaris EU dan LJK.
2. Memberikan rekomendasi kepada Dewan Komisaris Entitas Utama untuk penyempurnaan Pedoman Tata Kelola Terintegrasi. Mekanisme pemberian rekomendasi dilakukan dengan cara sebagai berikut:
a. Pemberian rekomendasi disampaikan melalui rapat Komite Tata Kelola Terintegrasi;
b. Rekomendasi Komite Tata Kelola Terintegrasi dituangkan dalam risalah rapat dan didokumentasikan secara baik serta disampaikan kepada Dewan Komisaris Entitas Utama.
c. Sumber data/informasi mengenai penyempurnaan Pedoman Tata kelola Terintegrasi dapat berasal dari temuan Satuan Kerja Audit Internal Terintegrasi, Kantor Akuntan Publik, Hasil pemantauan, review dan/atau gap analysis dari Satuan Kerja Kepatuhan Terintegrasi dan hasil pengawasan Otoritas Jasa Keuangan mengenai kelemahan pada Pedoman Tata kelola Terintegrasi.
5) Periodically report the results of monitoring and providing recommendations/inputs needed in order to improve integrated internal control and need to be considered by the EU and LJK Board of Commissioners.
b. Implementation of the compliance function in an integrated manner by doing:
1) Monitoring and evaluation of EU and LJK compliance with applicable laws and regulations as well as OJK, Bank Indonesia regulations and other regulations related to banking business and other financial service institutions (securities, financing, investment managers and insurance) through coordination with the Compliance Unit Integrated.
2) Monitoring and evaluation of periodic reports and audit reports related to compliance with internal and external controls issued by the Integrated Compliance Unit and external auditors.
3) Periodic meetings with the Integrated Compliance Work Unit by discussing matters related to EU and LJK compliance with internal and external regulations.
4) Monitoring and evaluating the implementation of follow-up actions by the EU and LJK Directors on the findings of the Integrated Compliance Unit, the Public Accounting Office and the results of the OJK supervisors related to weaknesses and/or system improvements and implementation of the compliance function.
5) Periodic reporting of the results of monitoring and providing recommendations/inputs needed to improve integrated compliance and need to be addressed by the EU and LJK Board of Commissioners.
2. Providing recommendations to the Board of Commissioners of the Main Entity to improve the Integrated Governance Guidelines. The mechanism for giving recommendations is carried out in the following ways:
a. Provision of recommendations is submitted through the Integrated Governance Committee meeting;
b. Recommendations of the Integrated Governance Committee are included in the minutes of the meeting and is well documented and submitted to the Board of Commissioners of the Main Entity.
c. Sources of data/information regarding the improvement of the Integrated Governance Guidelines can come from the findings of the Integrated Internal Audit Work Unit, Public Accountant Office, Results of monitoring, review and/or gap analysis of the Integrated Compliance Unit and the results of supervision by the Financial Services Authority regarding weaknesses in the Governance Guidelines Integrated.
280 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
d. Dewan Komisaris Entitas Utama menyampaikan hasil rekomendasi Komite Tata Kelola Terintegrasi kepada Direksi Entitas Utama sebagai bentuk evaluasi Dewan Komisaris Entitas Utama atas Pedoman Tata kelola Terintegrasi.
3. Memberikan pendapat atas Laporan Self Assesment Pelaksanaan Tata Kelola Terintegrasi.
PELATihAn & wOrKShOPSepanjang tahun 2018, pelatihan serta seminar yang diikuti oleh anggota Komite Tata Kelola Terintegrasi adalah:
d. The Main Entity Board of Commissioners submits the results of the recommendations of the Integrated Governance Committee to the Directors of the Main Entity as a form of evaluation of the Main Entity Board of Commissioners for Integrated Governance Guidelines.
3. Give opinions on the Self Assessment Report on Integrated Governance Implementation.
trAininG & workshoPsThroughout 2018, the training and seminars attended by members of the Integrated Governance Committee are:
TanggalDate
AcaraEvent
LokasiLocation
Nama AnggotaMembers’ Names
8 Mei 2018May 8, 2018
Seminar Nasional 'Perusahaan Pembiayaan di Mata PerbankanNational Seminar on 'Banking Financing Companies'
Le Meridien Hotel, Jakarta Erdie S Manan
15 November 2018November 15, 2018
Seminar Nasional "Peluang & Tantangan Tahun 2019" (Seminar untuk Direksi, Komisaris, Pemegang Saham Pengendali dan Dewan Pengawas Syariah"National Seminar on "Opportunities & Challenges in 2019" (Seminar for Directors, Commissioners, Controlling Shareholders and Sharia Supervisory Board "
Ballroom The Ritz Carlton Hotel - Pacific Place, Jakarta SCBD, Jl. Jendral Sudirman
No. 52-53 - Jakarta
Erdie S Manan
12-13 September 2018September 12-13, 2018
Seminar "Risk Management Maturity Model""Risk Management Maturity Model" Seminar
PPM Manajemen, Jakarta Inkes Lukman
30 Mei 2018May 30, 2018
Sertifikasi Kompetensi Pengawas SyariahSharia Supervisor Competency Certification
Jakarta - Badan Nasional Sertifikasi Profesi & Lembaga Sertifikasi Profesi DSN-MUI
Prof DR. HJ Uswatun Khasanah
11 Oktober 2018October 11, 2018
Workshop Pra Ijtima' Sanawi (Annual Meeting) Dewan Pengawas Syariah (DPS) Lembaga Keuangan Syariah Tahun 2018Pre Ijtima Workshop 'Sanawi (Annual Meeting) Sharia Supervisory Board (DPS) of Islamic Financial Institutions in 2018
Jakarta - DSN-MUI Prof DR. HJ Uswatun Khasanah
13 November 2018November 13, 2018
Semiloka Ijtima' Sanawi (Annual Meeting) DPS Lembaga Keuangan Syariah Tahun 2018, Pendalaman Per-UU terkait Pasar Modal dan Pembahasan Kasus-Kasus Pengawas SyariahWorkshop Ijtima 'DPS Sanawi (Annual Meeting) of Islamic Financial Institutions in 2018, Law Deepening concerning Capital Markets and Discussion of Sharia Supervisory Cases
Jakarta - DSN-MUI Prof DR. HJ Uswatun Khasanah
15 Agustus 2018August 15, 2018
Risk Management Refreshement Program: Enterprise Risk Management sebagai Upaya Meminimalisir Risiko Perusahaan secara Sistematis & EfektifRisk Management Refreshment Program: Enterprise Risk Management as an Effort to Minimize Corporate Risk Systemically & Effectively
Lembaga Sertifikasi Profesi Perbankan (LSPP)Banking Professional Certification Agency
Ponky Nayarana Pudijanto
281Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KEBijAKAn, FrEKuEnSi & KEhAdirAn rAPAT KEBijAKAn Kebijakan yang terkait dengan Komite Tata Kelola Terintegrasi adalah: 1. Piagam Komite Tata Kelola Terintegrasi Konglomerasi
Keuangan PT MNC Kapital Indonesia Tbk.
2. Pedoman Tata Kelola Terintegrasi Konglomerasi Keuangan PT MNC Kapital Indonesia Tbk.
Frekuensi & Kehadiran rapatSepanjang tahun 2018, Komite Tata Kelola Terintegrasi telah mengadakan Rapat sebanyak 2 (dua) kali dengan tingkat kehadiran anggota sebagai berikut:
Policy, freQUency & Presence of Policy meetinGs
Policies related to the Integrated Governance Committee are:1. Charter of the Integrated Financial Conglomerate
Governance Committee of PT MNC Kapital Indonesia Tbk.
2. Guidelines for Integrated Governance of the Financial Conglomerate of PT MNC Kapital Indonesia Tbk.
frequency & Attendance of meetings Throughout 2018, the Integrated Governance Committee held 2 (two) Meetings with the following attendance rates:
NamaName
Jumlah pelaksanaan rapat tahun 20182018 Meeting Freqency
Jumlah Kehadiran dalam rapatAttendance
Ponky Nayarana Pudijanto* 2 2
Eddy Yantho Sofwan 2 2
Erdie S Manan** 2 2
Inkes Lukman*** 2 1
Christ Soepontjo 2 1
Prof. Dr. Hj. Uswatun Hasanah, M.A. 2 2
Tabel Frekuensi dan Kehadiran RapatTable of Meeting frequency and Attendance Level
Keterangan:* efektif tanggal 21 Desember 2018 menjabat sebagai Ketua Komite Tata
Kelola Terintegrasi berdasarkan Surat Keputusan Direksi Entitas Utama. ** efektif tanggal 21 Desember 2018 menjabat sebagai Anggota Komite Tata
Kelola Terintegrasi. berdasarkan Surat Keputusan Direksi Entitas Utama.*** efektif tanggal 21 Desember 2018 menjabat sebagai Anggota Komite Tata
Kelola Terintegrasi berdasarkan Surat Keputusan Direksi Entitas Utama.
Information* effectively serves as Chairman of the Integrated Governance Committee
since December 21, 2018 based on the Decree of the Parent Entity Directors.
** effectively serves as member of the Integrated Governance Committee since December 21, 2018 based on the Decree of the Parent Entity Directors.
*** effectively serves as member of the Integrated Governance Committee since December 21, 2018 based on the Decree of the Parent Entity Directors.
282 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
koMIte DI bawah dIrekSICommittees under the Board of Directors
ALCOKOMiTE ASET dAn LiABiLiTAS (ALCO)Komite Aset dan Liabilitis dibentuk berdasarkan Keputusan Direksi No. SKEP-005/MNCB/DIR/02/2017 tanggal 9 Februari 2017 guna memberikan arahan dan kebijakan terkait Pengelolaan aset dan liabilitis yang menjadi dasar operasional dan aktivitas MNC Bank, guna mencapai target pendapatan MNC Bank dan dalam rangka Pengelolaan risiko yang baik dan prudence.
PiAgAM ALCO Aktivitas ALCO termasuk di dalamnya organisasi komite, tugas dan tanggung jawab, kewenangan serta pengadaan Rapat berpedoman kepada Kebijakan dan ALCO Chartered yang dikeluarkan pada bulan Juni 2015.
Asset AnD liABility committee (Alco)The Asset and Liabilitis Committee was formed based on Directors Decree No.SKEP-005/MNCB/DIR/02/2017 dated February 9, 2017 to provide direction and policies related to the management of assets and liabilitis which are the basis for MNC Bank’s operations and activities, in order to achieve MNC Bank’s revenue targets and in order to manage good and prudence risks.
Alco chArterThe ALCO’s activities include the organization of committees, duties and responsibilities, authority and procurement of Meetings referring to the Policy and ALCO Chartered issued in June 2015.
alco
No. KedudukanPosition
JabatanTitle
1. KetuaChairman
Presiden DirekturPresident Director
2. AnggotaMember
Direktur KeuanganFinance Director
3. Anggota (Tanpa Hak Suara)Member (Without Voting Rights)
Direktur KepatuhanCompliance Director
4. AnggotaMember
Consumer Lending Business Head
5. AnggotaMember
Funding Business Head
6. AnggotaMember
Wholesale & SME Business Head
7. AnggotaMember
Risk Management Group Head
8 AnggotaMember
Treasury & Financial Institution Group Head
9. AnggotaMember
Financial Control Group Head
Tabel Daftar KeanggotaanTable of Membership
TugAS dAn TAnggung jAwAB 1. Mengawasi dan mencermati kondisi ekonomi dan pasar
keuangan, valuta asing, suku bunga serta pasar modal yang dapat mempengaruhi jalannya perencanaan dan skenario bisnis Bank.
2. Pengembangan, kaji ulang dan modifikasi strategi ALM, rencana permodalan dan dividen, termasuk dampak kondisi pasar terhadap Bank.
3. Mengevaluasi posisi risiko pasar dan strategi ALM guna memastikan bahwa hasil risk taking position Bank telah konsisten dengan tujuan pengelolaan risiko pasar (risiko suku bunga dan nilai tukar).
DUties AnD resPonsiBilities 1. Oversee and observe the economic conditions and
financial markets, foreign exchange, interest rates and capital markets thatcan affect the Bank’s business planning and scenario.
2. Develop, review and modify the ALM strategy, capital plans and dividends, including the impact of market conditions on the Bank.
3. Evaluate market risk positions and ALM strategies to ensure the results of the Bank’s risk taking position are consistent with the objectives of market risk management (interest rate and exchange rate risk).
283Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
4. Mengkaji ulang penetapan harga (pricing) aktiva dan pasiva untuk memastikan bahwa harga tersebut dapat mengoptimalkan hasil penanaman dana, meminimumkan biaya dana dan memelihara struktur neraca Bank, sesuai dengan strategi ALM Bank.
5. Mengkaji ulang deviasi antara hasil aktual dengan proyeksi anggaran dan rencana bisnis Bank.
6. Menetapkan batas minimum arus kas yang harus dijaga dalam rangka Pengelolaan risiko likuiditas.
7. Memberikan arahan, rekomendasi dan monitoring terhadap posisi assets dan liabilities dalam neraca Bank, termasuk target pencapaian dan perkembangan neraca, struktur penggunaan likuiditas, hutang dari pasar modal, tingkat pengembalian dari seluruh asset bisnis dan analisa kompetitif DPK pada seluruh segmen bisnis.
8. Menentukan dan menyetujui perencanaan likuiditas dan pendanaan Bank serta penggunaannya termasuk menetapkan limit kewenangan dan limit risiko serta target rasio likuiditas dan market triggers. ALCO melakukan review terhadap adanya proposal dan rencana perubahan terhadap parameter-parameter ini dan memutuskan langkah-langkah yang akan diambil terhadap adanya pelampauan limit.
9. Menetapkan pelaksanaan serta mengkaji hasil stress test yang dilakukan terhadap kondisi likuiditas Bank dan memasukkan hasilnya ke dalam perencanaan likuiditas dan pendanaan Bank.
10. Menetapkan business transfer pricing melalui penetapan tingkat pool rate atau funds transfer pricing.
11. Menetapkan dan mengkaji ulang kebijakan terkait ALM, termasuk kewenangan memutus, pengecualian atas kebijakan dan rencana contingency.
Sepanjang tahun 2018, ALCO telah mengadakan rapat sebanyak 11 kali Rapat, sbb:
4. Review the pricing of assets and liabilities to ensure these prices can optimize the yield of funds, minimize the cost of funds and maintain the structure of the Bank’s balance sheet, in accordance with the ALM Bank strategy.
5. Review the deviation between the actual results and the projected budget and the Bank’s business plan.
6. Establish minimum cash flow limits is required to be maintained to manage the liquidity risk.
7. Give direction, recommendation and monitoring of the position of assets and liabilities in the Bank’s balance sheet, including achievement targets and balance sheet development, structure of liquidity usage, capital market debt, rate of return on all business assets and competitive DPK analysis in all business segments.
8. Determine and approve the Bank liquidity and funding planning as well as their use including establishing authority limits and risk limits as well as targeting liquidity ratios and market triggers. ALCO reviews the proposal and plans for changes to these parameters and decides what steps will be taken against the limit.
9. Establish the implementation and reviewing the results of stress tests conducted on the Bank’s liquidity condition and using the results into Bank liquidity and funding planning.
10. Establish the business transfer pricing through the establishment of a pool rate or funds transfer pricing level.
11. Establish and review the policies related to ALM, including the authority to decide, exceptions to contingency policies and plans.
Throughout 2018, ALCO held 11 meetings, as follows:
Tanggal RapatMeeting Date
Agenda Agenda
21 Februari 2018 February 21, 2018
• Suku bunga deposito IDR karyawan turun • Suku bunga deposito USD karyawan naik• Special rate suku bunga giro turun, sesuai tiering
• IDR deposit interest rates of employees go down• USD employee deposit rates rise• Special rate of interest rate of current account goes
down, according to tiering
28 Maret 2018March 28, 2018
Tidak ada perubahan suku bunga There is no change in interest rates
20 April 2018April 20, 2018
• Penetapan susunan keanggotaan ALCO
• Pool rate IDR turun• Counter rate IDR turun• Special rate deposito IDR turun• Suku bunga Bung Aman dan Bung Putera turun
• Suku bunga special rate Giro turun• Suku bunga deposito karyawan turun
• Determination of the composition of ALCO membership
• IDR pool rate drops• Counter rate IDR drops• IDR deposit special rate down• Bung Aman and Bung Putera’s interest rates go down• Giro special rate rates go down• Employee deposit rates fall
284 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tanggal RapatMeeting Date
Agenda Agenda
18 Mei 2018May 18, 2018
• Special rate deposito IDR naik • Suku bunga deposito MNC Group turun• Suku bunga tabungan MNC Business dan MNC Bunga
Khusus naik
• IDR deposit rate increases• MNC Group’s deposit rates fell• Interest rates on MNC Business and MNC Interest
Special savings rose
28 Juni 2018June 28, 2018
• Penetapan susunan keanggotaan ALCO
• Special rate deposito IDR naik• Pool rate IDR naik
• Determination of the composition of ALCO membership
• Special IDR deposit rates rise• IDR pool rate rises
24 Juli 2018 July 24, 2018
• Penetapan susunan keanggotaan ALCO
• Counter rate IDR naik• Pool rate IDR naik• Suku bunga counter kredit naik• Rate deposito IDR karyawan naik
• Determination of the composition of ALCO membership
• IDR counter rate rises• IDR pool rate rises• Counter credit interest rates rise• The rate of deposit of IDR employees goes up
16 Agustus 2018August 16, 2018
• Tidak ada perubahan suku bunga• Penetapan LFR untuk pemantauan Risiko Likuiditas,
melengkapi RIM• Menjaga rasio ALDPK diatas threshold 10%• Unit Finance tetap mengirimkan perhitungan RIM
kepada Treasury Group, dalam rangka pemenuhan GWM RIM (sebelumnya GWM LFR)
• There is no change in interest rates• Determination of LFR for monitoring Liquidity Risk,
completing RIM• Maintain ALDPK ratio above the 10% threshold• The Finance Unit still sends RIM calculations to the
Treasury Group, in order to fulfill the RIM GWM (previously GWM LFR)
20 September 2018September 20, 2018
• Special rate deposito IDR naik• Pool rate IDR naik
• Special IDR deposit rates rise• IDR pool rate rises
23 Oktober 2018October 23, 2018
• Suku bunga counter rate kredit consumer naik• Perubahan penamaan titel pemberian special rate
deposito
• Consumer credit counter rate interest rates rise• Changes in naming titles giving special rate deposits
19 November 2018 November 19, 2018
• Pool rate IDR naik• Special rate deposito IDR naik
• IDR pool rate rises• Special IDR deposit rates rise
19 Desember 2018 December 19, 2018
• Pool rate USD naik • USD pool rate rises
285Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
No. KedudukanPosition
JabatanTitle
1 KETUAChairman
Presiden DirekturPresident Director
2 SekretarisSecretary
Risk Management Group (RMG)Risk Management Group (RMG)
3 AnggotaMember
Direksi dan Pejabat Eksekutif yang ditetapkan berdasarkan Piagam Komite Manajemen Risiko yang dikeluarkan sesuai dengan SKEP no- 004/MNCB/DIR/01/2017 tanggal 26 Januari 2017.Directors and Executive Officers determined based on the Risk Management Committee Charter issued in accordance with SKEP no-004/MNCB/IR/01/2017 dated January 26, 2017.
Komite Manajemen Risiko dibentuk oleh Direksi melalui Keputusan SKEP no.16/BABP/DIR/11-14 pada tanggal 30 April 2014 yang kemudian di perbaharui dengan dikeluarkan SKEP no.004/MNCB/DIR/01/2017 tanggal 26 Januari 2017. Dalam rangka pelaksanaan tata kelola perusahaan dan aktivitas fungsional Bank dibutuhkan sebuah sistem dan proses pengelolaan risiko yang akurat, terintegrasi, dan komprehensif. Bank juga dituntut untuk menerapkan manajemen risiko sejalan dengan prinsip Good Corporate Governance dan regulasi perbankan yang berlaku. STruKTur dAn KEAnggOTAAnSusunan anggota Komite Manajemen Risiko terdiri dari:
The Risk Management Committee is formed by the Directors through SKEP Decree No. 16/BABP/DIR/11-14 on 30 April 2014 which is updated by issuing SKEP no.004/MNCB/DIR/01/2017 on 26 January 2017. The implementation of corporate governance and functional activities of the Bank requires a system, accurate, integrated and comprehensive process of risk management. Banks are also required to implement risk management in line with the principles of Good Corporate Governance and applicable banking regulations.
strUctUre AnD memBershiPThe composition of the members of the Risk Management Committee consists of:
koMIte DI bawah dIrekSICommittees under the Board of Directors
Risk management committeekomIte manajemen rISIko
Tugas dan Tanggung jawabWewenang dan tanggung jawab Komite Manajemen Risiko adalah melakukan evaluasi dan memberikan rekomendasi kepada Presiden Direktur terkait Manajemen Risiko yang paling kurang meliputi: 1. Menyusun kebijakan Manajemen Risiko serta
perubahannya, termasuk strategi Manajemen Risiko, tingkat risiko yang diambil (risk appetite) dan toleransi risiko (risk tolerance), kerangka Manajemen Risiko, serta rencana contingency untuk mengantisipasi setiap perubahan sebagai akibat dari perkembangan usaha maupun adanya perubahan kondisi eksternal.
2. Menyempurnakan proses Manajemen Risiko secara berkala maupun bersifat insidentil sebagai akibat dari suatu perubahan kondisi eksternal dan internal Bank yang mempengaruhi kecukupan permodalan, profil risiko, dan tidak efektifnya penerapan Manajemen Risiko berdasarkan hasil evaluasi.
3. Menetapkan kebijakan dan/atau keputusan bisnis yang menyimpang dari prosedur normal, serta pelampauan ekspansi usaha yang signifikan dibandingkan dengan rencana bisnis Bank yang telah ditetapkan sebelumnya atau pengambilan posisi atau eksposur risiko yang melampaui limit yang telah ditetapkan.
4. Mengembangkan budaya Manajemen Risiko termasuk kesadaran risiko pada seluruh jenjang organisasi.
Sepanjang tahun 2018, Komite Manajemen Risiko telah menjalankan tugas sebagaimana telah dijabarkan dalam tugas dan tanggung jawab Komite Manajemen Risiko dan telah mengadakan rapat sebanyak 10 (sepuluh) kali rapat.
Duties and responsibilitiesThe authority and responsibility of the Risk Management Committee is to evaluate and provide recommendations to the President Director regarding Risk Management which at least includes: 1. Prepare Risk Management policies and their changes,
including Risk Management strategies, the level of risk taken (risk appetite) and risk tolerance (Risk tolerance), the Risk Management framework, and contingency plans to anticipate any changes as a result of business development and changes in conditions external.
2. Improve the Risk Management process periodically and incidentally as a result of a change in the external and internal conditions of the Bank that affect capital adequacy, risk profile, and ineffectiveness of the application of Risk Management based on the evaluation results.
3. Establish policies and/or business decisions that deviate from normal procedures, as well as exceeding significant business expansion compared to the Bank’s predetermined business plan or taking positions or risk exposures that exceed the prescribed limits.
4. Develop a Risk Management culture including risk awareness at all organizational levels.
Throughout 2018, the Risk Management Committee has carried out its duties as described in the duties and responsibilities of the Risk Management Committee and has held meetings of 10 (ten) meetings.
286 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
No. KedudukanPosition
JabatanTitle
1 KETUAChairman
Direktur yang membawahi Fungsi Kepatuhan dan Manajemen Risiko PT Bank MNC Internasional TbkDirector responsible for Compliance and Risk Management Function of PT Bank MNC Internasional Tbk
2 AnggotaMember
Presiden Direktur PT Bank MNC Internasional TbkRisk Management Group (RMG)
3 AnggotaMember
Direktur Utama PT MNC Kapital Indonesia TbkPresident Director of PT MNC Kapital Indonesia Tbk
4 AnggotaMember
Direktur Utama PT MNC SecuritiesAlternate : Direktur Keuangan PT MNC SecuritiesPresident Director of PT MNC SecuritiesAlternate : Finance Director of PT MNC Securities
5 AnggotaMember
Direktur Utama PT MNC Asset ManagementAlternate : Direktur Keuangan PT MNC Asset ManagementPresident Director of PT MNC Asset ManagementAlternate : Finance Director of PT MNC Asset Management
6 AnggotaMember
Direktur Utama PT MNC FinanceAlternate : Direktur Keuangan PT MNC FinancePresident Director of PT MNC FinanceAlternate : Finance Director of PT MNC Finance
7 AnggotaMember
Direktur Utama PT MNC Life AssuranceAlternate : Direktur Keuangan PT MNC Life AssurancePresident Director of PT MNC Life AssuranceAlternate : Finance Director of PT MNC Life Assurance
8 AnggotaMember
Direktur Utama PT MNC Asuransi IndonesiaAlternate : Direktur Keuangan PT MNC Asuransi IndonesiaPresident Director of PT MNC Asuransi IndonesiaAlternate : Finance Director of PT MNC Asuransi Indonesia
9 AnggotaMember
Direktur Utama PT MNC Guna Usaha IndonesiaAlternate : Direktur Keuangan PT MNC Guna Usaha IndonesiaPresident Director of PT MNC Guna Usaha IndonesiaAlternate : Finance Director of PT MNC Guna Usaha Indonesia
10 Executive/Executive Officer Level Member Risk Management Group Head PT Bank MNC Internasional Tbk.
11 Executive/Executive Officer Level Member Compliance and Business Process Improvement Head PT MNC Kapital Indonesia Tbk
12 Executive/Executive Officer Level Member Head Accounting PT MNC Kapital Indonesia Tbk
13 Executive/Executive Officer Level Member Operation Head PT MNC Securities
14 Executive/Executive Officer Level Member Compliance Head PT MNC Securities
15 Executive/Executive Officer Level Member Compliance Head PT MNC Asset Management
16 Executive/Executive Officer Level Member Finance Head PT MNC Asset Management
17 Executive/Executive Officer Level Member Finance Head PT MNC Finance
18 Executive/Executive Officer Level Member Compliance Head PT MNC Finance
Komite Manajemen Risiko Terintegrasi Konglomerasi Keuangan dibentuk berdasarkan Keputusan Direksi tanggal10 Desember 2015. TugAS dAn TAnggung jAwABKomite Manajemen Risiko Terintegrasi Konglomerasi Keuangan bertugas memberikan rekomendasi kepada Direksi terkait penyusunan kebijakan Manajemen Risiko Terintegrasi dan perbaikan atau penyempurnaan atas kebijakan tersebut berdasarkan hasil evaluasi pelaksanaan.
The Integrated Risk Management Committee of Financial Conglomeration is established based on the Board of Directors’ Decree dated 10 December 2015. tUGAs DAn tAnGGUnG JAwABThe Integrated Risk Management Committee of Financial Conglomeration is assigned to provide recommendation to the Board of Directors on the preparation of Integrated Risk Management policy and improvement or refinement of such policy based on the result of the implementation evaluation.
koMIte DI bawah dIrekSICommittees under the Board of Directors
Integrated Risk Management CommitteekomIte manajemen rISIko terIntegraSI
Tabel Daftar KeanggotaanTable of Membership
287Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PELAKSAnAAn TugAS dAn FrEKuEnSi rAPAT
Sampai dengan diterbitkannya laporan tahunan ini, Komite Manajemen Risiko Terintegrasi Konglomerasi Keuangan telah mengadakan rapat sebanyak 5 (lima) kali rapat dengan agenda sebagai berikut :
imPlementAtion of DUties AnD meetinG freQUencyAs of the issuance of this annual report, the Integrated Risk Management Committee of Financial Conglomeration has convened a total of 5 (five) meetings with the following agenda
AKTiViTAS KinErjA KOMiTE SEPAnjAng TAhun 2018Komite Manajemen Risiko Terintegrasi Konglomerasi Keuangan telah melaksanakan Penilaian Risiko Konglomerasi Keuangan PT MNC Kapital Indonesia posisi Desember 2015, Juni 2016, Juni 2017, Desember 2017 dan Desember 2018.
PerformAnce ActiVities of committee in 2018Throughout 2017, the Integrated Risk Management Committee of Financial Conglomeration has conducted Risk Assessment of PT MNC Kapital Indonesia as of December 2015, June 2016, June 2017, December 2017 and December 2018.
No. KedudukanPosition
JabatanTitle
19 Executive/Executive Officer Level Member Finance Head PT MNC Life Assurance
20 Executive/Executive Officer Level Member Strategy and Risk Head PT MNC Life Assurance
21 Executive/Executive Officer Level Member Compliance Head PT MNC Asuransi Indonesia
22 Executive/Executive Officer Level Member Finance Head PT MNC Asuransi Indonesia
23 Executive/Executive Officer Level Member Compliance Head PT MNC Guna Usaha Indonesia
24 Executive/Executive Officer Level Member Finance Head PT MNC Guna Usaha Indonesia
Tanggal RapatMeeting Date Agenda Agenda
02/02/2016 Pemaparan Penilaian Profil Risiko KK PT MNC Kapital Indonesia posisi bulan Desember 2015
Risk Profile Assessment of PT MNC Kapital Indonesia as of December 2015
09/08/2016 Pemaparan Penilaian Profil Risiko KK PT MNC Kapital Indonesia posisi bulan Juni 2016
Risk Profile Assessment of PT MNC Kapital Indonesia as of June 2016
10/02/2017 Pemaparan Penilaian Profil Risiko KK PT MNC Kapital Indonesia posisi bulan Desember 2016
Risk Profile Assessment of PT MNC Kapital Indonesia as of December 2016
11/08/2017 Pemaparan Penilaian Profil Risiko KK PT MNC Kapital Indonesia posisi bulan Juni 2017
Risk Profile Assessment of PT MNC Kapital Indonesia as of June 2017
09/02/2018 Pemaparan Penilaian Profil Risiko KK PT MNC Kapital Indonesia posisi bulan Desember 2017
Risk Profile Assessment of PT MNC Kapital Indonesia as of December 2017
11/02/2019 Pemaparan Penilaian Profil Risiko KK PT MNC Kapital Indonesia posisi bulan Desember 2018
Risk Profile Assessment of PT MNC Kapital Indonesia as of December 2018
288 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Tabel Daftar KeanggotaanTable of Membership
No KedudukanOffice
JabatanPosition
1 KetuaChairman
Direktur Operasional dan TeknologiOperation and Technology Director
2 AnggotaMember
Presiden DirekturPresident Director
3 AnggotaMember
Direktur KeuanganFinance Director
4 AnggotaMember
Direktur KepatuhanCompliance Director
5 AnggotaMember
Consumer Lending Business Head
6 AnggotaMember
Funding Business Head
7 AnggotaMember
Information & Technology Group Head
8 AnggotaMember
Credit Administration Group Head
9 AnggotaMember
Channels & Centralized Banking Operation Group Head
koMIte DI bawah dIrekSICommittees under the Board of Directors
Information Technology Steering CommitteekomIte pengarah teknologI InformaSI
Komite Pengarah Teknologi Informasi dibentuk oleh Direksi melalui Keputusan No. SKEP-014/MNCB/DIR/10/2017 tanggal 12 Oktober 2017 dengan tujuan untuk merumuskan rencana strategis teknologi informasi yang sesuai dengan Rencana Bisnis MNC Bank dan juga mengawasi implementasinya melalui proyek-proyek teknologi informasi agar sesuai dengan rumusan kebijakan, standar, prosedur dan sumber daya yang dialokasikan.
Tugas dan Tanggung Jawab1. Menyiapkan dan merekomendasikan kepada Direksi
proposal tentang IT Business Plan pada setiap tahun anggaran dan IT Blue Print minimal untuk 5 (tahun) ke depan.
2. Mengusulkan dan merekomendasikan kepada Direksi atas usulan suatu project atau kegiatan atau inisiatif Information Technology baru (baik perangkat keras, perangkat lunak dan pendukung Information Technology yang tepat guna bagi Bank) baik yang sudah dianggarkan maupun yang belum dianggarkan, untuk dilaksanakan dengan ketentuan batasan limit biaya yang berlaku.
3. Merumuskan kebijakan, standar dan prosedur IT.4. Mengusulkan dan merekomendasikan kecukupan dan
alokasi sumber daya yang dimiliki Bank.5. Mengevaluasi secara berkala seluruh pelaksanaan
rencana IT yang sudah ditetapkan dan biaya-biaya yang terealisasi berkenaan dengan IT serta memutuskan tindakan-tindakan yang diperlukan untuk pelaksanaan berikutnya.
6. Membahas current issue seputar IT terkini sehingga dapat dilakuan perubahan dimana perlu yang akan meningkatkan pertumbuhan bisnis.
The Information Technology Steering Committee was formed by the Directors through Decree No. SKEP-014 / MNCB / DIR / 10/2017 dated October 12, 2017 with the aim of formulating an information technology strategic plan that is in accordance with the MNC Bank Business Plan and also overseeing its implementation through information technology projects to conform to policy, standard, procedure and allocated resources.
Duties and Responsibilities1. Preparing and giving recommendation to the Board of
Directors proposals regarding the IT Business Plan in each budget year and minimum IT Blue Print for the next 5 (years).
2. Proposing and giving recommendation to the Board of Directors on the proposal of a new Information Technology project or activity (both appropriate hardware, software and Information Technology support for the Bank) whether budgeted or not budgeted, to be implemented with the limited provisions applicable fees.
3. Formulating IT policies, standards and procedures.4. Proposing and giving recommendation the adequacy
and allocation of resources owned by the Bank.5. Periodically evaluating the entire implementation
of a defined IT plan and realizing costs with regard to IT and decide on the actions needed for the next implementation.
6. Discussing current IT issues so that changes can be made where necessary which will increase business growth.
289Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PELAKSAnAAn TugAS dAn FrEKuEnSi rAPAT
Sepanjang tahun 2018, Komite Pengarah Teknologi Informasi telah mengadakan rapat sebanyak 4 kali rapat dan pelaksanaan tugas, sebagai berikut: Komite Pengarah Teknologi Informasi menyelenggarakan rapat berkala 3 bulanan sebanyak 4 kali yang dihadiri oleh Direktur yang membawahkan satuan kerja Teknologi Informasi, Direktur lain serta pejabat tertinggiyang membawahi satuan kerja penyelenggara TI dan satuankerja pengguna TI. Tiap rapat dibuat Risalah Rapat dan dirumuskan hal-hal penting dalam rapat yang perlu untuk segera ditindaklanjuti dengan menunjuk petugas penanggung jawab dan menetapkan target waktu penyelesaiannya. Hal-hal penting yang diidentifikasi dalam rapat tersebut ditindaklanjuti dan dipantau eksekusinya.
Komite Pengarah Teknologi Informasi menyampaikan beberapa rekomendasi:1. Menyetujui IT CAPEX 2018 untuk project-project terkait
regulatory, business expansion, process improvement, infrastructure.
2. Semua Business Project Manager (BPM) dari Business / User harus bertanggung jawab terhadap Scope / Requirement, Biaya / Budget dan Waktu / Time dari masing-masing.
3. Semua Business Project Manager (BPM) dari Business / User harus memantau biaya dari awal sampai dengan penutupan project dengan berkoordinasi ke Financial Control dan Accounting.
4. IT Group diharapkan terus melakukan efisiensi biaya IT untuk tahun 2018.
5. Mennyetujui pelaksanaan implementasi sistem Joint Finance (Modul Commercial) dengan melalukan open bidding.
6. Menyetujui pelaksanaan enhancement sistem AML (Anti Money Laundering) yangdiinisiasi oleh Business / Users dengan membuat Project Charter dan Business Requirementuntuk diserahkan dan ditindaklanjuti oleh pihak terkait
7. Menyetujui pelaksanaan implementasi sistem Loyalty Management dan Online Account Opening untuk tahun 2019.
8. Menyetujui Pelaksanaan Disaster Recovery Drill untuk Banking (8 Desember 2018) dan Credit Card (19 Januari 2019).
9. Melaksanakan Penetration Test (Pentest) untuk IT Infrastructure MNC Bank sebagai bagian antisipasi dan tindakan proaktif dalam melindungi keamanan informasi MNC Bank.
imPlementAtion of DUties AnD freQUency of meetinGsThroughout 2018, the Information Technology Steering Committee held 4 meetings and carried out the following duties: The Information Technology Steering Committee held 4 monthly periodic meetings attended by the Director in charge of the Information Technology work unit, another Director and the highest official which oversees the IT work unit and unit IT user work.
A minute of meeting is made on each meeting and important matters are formulated at the meetings which need to be followed up immediately by appointing responsible officers and setting the completion time target. The important things identified in the meeting are followed up and monitored.
The Information Technology Steering Committee made several recommendations:1. Approving IT CAPEX 2018 for projects related to
regulatory, business expansion, process improvement, infrastructure.
2. All Business Project Managers (BPM) of Business / Users must be responsible for the Scope / Requirement, Cost / Budget and Time / Time of each.
3. All Business Project Managers (BPM) of Business / Users must monitor costs from the beginning until the closing of the project in coordination with Financial Control and Accounting.
4. IT Group is expected to continue to make IT cost efficiency for 2018.
5. Approving the implementation of the Joint Finance system by carrying out open bidding.
6. Approving the implementation of AML (Anti Money Laundering) enhancement system initiated by Business / Users by making Project Charter and Business Requirements to be submitted and followed up by related parties
7. Approving the implementation of the Loyalty Management and Online Account Opening system for 2019.
8. Approving the Implementation of Disaster Recovery Drill for Banking (December 8, 2018) and Credit Card (January 19, 2019).
9. Carrying out the Penetration Test (Pentest) for the IT Infrastructure of the MNC Bank as part of anticipation and proactive actions in protecting MNC Bank’s information security.
290 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
KOMiTE SPECiAL ASSET MAnAgEMEnT Komite Special Asset Management dibentuk berdasarkan Surat Keputusan Direksi No. SKEP-001/MNCB/DIR/01/2017 tanggal 18 Januari 2017.
committee of sPeciAl Asset mAnAGementThe Special Asset Management Committee was formed by the Directors through Decree No.SKEP-001/MNCB/DIR/01/2017 dated January 18, 2017.
TugAS dAn TAnggung jAwAB 1. Mengevaluasi debitur yang masuk dalam watch list
atau early alert yang ditetapkan oleh Komite Kredit, khususnya terkait pelaksanaan butir 3.e. di bawah.
2. Menetapkan dan menyetujui strategi pemulihan kualitas kredit dengan cara penyelamatan dan/atau penyelesaian kredit bermasalah, termasuk hapus buku dan hapus tagih serta memastikan strategi tersebut tepat dan dapat dieksekusi.
3. Menetapkan dan memutus usulan terkait penanganan kredit bermasalah, termasuk namun tidak terbatas mengenai:
a. Akselerasi penurunan tingkat kualitas (kolektibilitas) kredit bermasalah;
b. Kolektibilitas kredit bermasalah, termasuk perbaikan tingkat kolektibilitas kredit bermasalah;
c. Penyelamatan dan/atau penyelesaian kredit bermasalah, termasuk restrukturisasi, hapus buku dan hapus tagih; Penyediaan cadangan kredit bermasalah, termasuk CKPN sesuai peraturan yang berlaku;
d. Menetapkan manajemen bersama (bantuan teknis) antara SAM Group dan tim bisnis terkait lending, khususnya untuk kualitas kredit kolektibilitas 2 yang masuk dalam kategori high priority watch list accounts;
e. AYDA dan pengelolaannya. 4. Menetapkan kebijakan dan/atau prosedur penanganan
kredit bermasalah, termasuk pengelolaan AYDA serta memastikan kebijakan dan prosedur tersebut diimplementasikan secara benar dan sesuai ketentuan.
5. Menetapkan debitur dan langkah litigasi atau jalur hukum yang akan ditempuh atas debitur dimaksud.
DUties AnD resPonsiBilities 1. Evaluate debtors who are included in the watch list or
early alerts set by the Credit Committee, specifically related to the implementation of item 3.e. under.
2. Establish and approve the credit quality recovery strategy by rescuing and/or resolving non-performing loans, including write off and collect off and ensure that the strategy is appropriate and executable.
3. Establish and decide on proposals related to handling non-performing loans, including but not limited to:
a. Acclerate of reduce the level of quality (collectibility) of non-performing loans;
b. Collect non-performing loans, including improving the level of collectibility of problem loans;
c. Rescue and/or settle non-performing loans, including restructuring, write off and collect off; Provision of reserves for problem loans, including CKPN in accordance with applicable regulations;
d. Establish joint management (technical assistance) between SAM Group and lending related business team, especially for collectable credit quality 2 which falls into the category of high priority watch list accounts;
e. AYDA and its management. 4. Set policies and/or procedures for handling non-
performing loans, including the management of OREO and ensuring that these policies and procedures are implemented correctly and in accordance with the provisions.
5. Determine the debtor and the litigation steps or legal channels that will be taken over the debtor.
Tabel Daftar KeanggotaanTable of Membership
No KedudukanOffice
JabatanPosition
1 KetuaChairman
Presiden DirekturPresident Director
2 AnggotaMember
Direktur Director
3 AnggotaMember
Direktur KeuanganFinance Director
4 Anggota (Tanpa Hak Suara)Member (without voting rights)
Direktur KepatuhanCompliance Director
5 AnggotaMember
SAM Business Head
6 Anggota merangkap sekretarisMember concurrently Secretary
SAM Group Head
koMIte DI bawah dIrekSICommittees under the Board of Directors
Committee of Special Asset ManagementkomIte SpeSIal aSet manajemen
291Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
6. Memantau proses litigasi tersebut di atas dan menetapkan langkah selanjutnya.
7. Memantau dan menetapkan pelaksanaan lelang atas agunan debitur.
8. Mengevaluasi hasil penanganan kredit bermasalah (recovery).
PELAKSAnAAn TugAS dAn FrEKuEnSi rAPAT
Sepanjang tahun 2018, Komite Special Asset Management telah mengadakan rapat sebanyak 13 (tiga belas) kali rapat dan pelaksanaan tugas, sebagai berikut:
6. Monitor the litigation process above and determine the next steps.
7. Monitor and determining the implementation of auctions on debtor collateral.
8. Evaluating the results of handling non-performing loans.
imPlementAtion of DUties AnD freQUency of meetinGsThroughout 2018, the Special Asset Management Committee held 13 (thirteen) meetings and carried out the following duties:
Tabel Pelaksanaan Tugas dan Frekuensi RapatTable of duties implementation and Meeting frequency
No TanggalDate
Jumlah Debitur yang DiputusNumber of Cut Off Debtors
1 11-Jan-18 1
2 25-Jan-18 2
3 07-Feb-18 1
4 14-Feb-18 5
5 28-Feb-18 1
6 28-Mar-18 3
7 30-Apr-18 1
8 31-May-18 6
9 29-Jun-18 5
10 07-Sep-18 2
11 27-Nov-18 18
12 13-des-18 1
13 18--des-18 1
292 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Komite Kredit dibentuk oleh Direksi melalui Keputusan No. SKEP-002/MNCB/DIR/04/2018 tanggal 19 April 2018 yang bertugas untuk memberikan keputusan kredit dalam batas Wewenang Persetujuan Kredit yang dimilikinya berdasarkan Kebijakan Kredit dan Pendegalasian Wewenang Limit Kredit yang berlaku dengan memperhatikan prinsip tata kelola perusahaan yang baik dan prinsip kehati-hatian.
The Credit Committee is formed by the Directors through Decree No.SKEP-002/MNCB/DIR/04/2018 dated April 19, 2018 which is tasked with giving credit decisions within the limits of their Credit Approval Authority based on the Credit Policy and the Applicability of Credit Limit Authority in accordance with the principles of good corporate governance and the principle of prudence be careful.
No KedudukanOffice
JabatanPosition
1 Ketua merangkap anggotaChairman concurrently as Member
Presiden DirekturPresident Director
2 AnggotaMember
Direktur Director
3 AnggotaMember
EVP Funding & Lending Business Head
4 Anggota (Tanpa Hak Suara)Member (without voting rights)
Direktur KepatuhanCompliance Director
5 AnggotaMember
Consumer Lending Business Head
6 Anggota Member
Business Strategy & Planning Group Head
7 SekretarisSecretary
Risk Management Group
Tabel Daftar KeanggotaanTable of Membership
TugAS dAn TAnggung jAwAB 1. Kewenangan terkait bidang perkreditan, termasuk dalam
proses pemberian kredit: a. Menetapkan batas kewenangan memutus kredit,
termasuk kewenangan memutus kredit di Kantor Cabang.
b. Menetapkan arah dan strategi serta kebijakan dan prosedur, termasuk risk tolerance dan risk appetite serta metodologi dalam bidang perkreditan dengan memperhatikan prinsip kehati-hatian, pengembangan bisnis dan profitabilitas.
c. Mengevaluasi pelaksanaan kebijakan, prosedur, pengelolaan risiko kredit dan peraturan perundang-undangan yang terkait bidang perkreditan.
d. Mengevaluasi dan memberikan persetujuan atas proposal kredit yang diajukan sesuai dengan batas kewenangan memutus kredit yang telah ditetapkan.
e. Mengevaluasi pengelolaan portofolio kredit yang diberikan dan kecukupan agunan atau jaminan bagi setiap debitur, termasuk tetapi tidak terbatas terhadap hal-hal berikut:
1) Pertumbuhan dan kualitas portofolio kredit yang diberikan secara keseluruhan maupun per jenis kredit dan target market;
2) efektivitas pelaksanaan kewenangan memutus kredit;
DUties AnD resPonsiBilities 1. Authority related to credit, including in the process of
granting credit: a. Establishing the authority to decide on credit,
including the authority to decide on credit at the Branch Office.
b. Establishing direction and strategy and policies and procedures, including risk tolerance and risk appetite and the methodology in the field of credit by taking into account the principle of prudence, business development and profitability.
c. Evaluating the implementation of policies, procedures, credit risk management and legislation related to credit.
d. Evaluating and approving credit proposals submitted in accordance with the limits of the authority to decide on credit that has been determined.
e. Evaluating the management of the loan portfolio provided and the adequacy of collateral or guarantees for each debtor, including but not limited to the following:
1) Growth and quality of the loan portfolio holistically or per credit type and target market;
2) Effectiveness of implementing the authority to decide on credit;
koMIte DI bawah dIrekSICommittees under the Board of Directors
Credit CommitteekomIte kredIt
293Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
3) kepatuhan pelaksanaan peraturan perundang-undangan yang berlaku antara lain peraturan BMPK (Batas Maksimum Pemberian Kredit) dan Penilaian Kualitas Aset.
f. Mengevaluasi watch list atau early alert dan menetapkan langkah penanganan atas kredit dalam watch list tersebut agar kualitas kredit tidak memburuk.
g. Menetapkan kualitas kredit (kolektibilitas) dari setiap debitur yang diajukan oleh unit bisnis, tidak termasuk kualitas kredit bermasalah.
h. Mengevaluasi dan menetapkan debitur yang harus direstrukturisasi serta memastikan restrukturisasi dilaksanakan oleh pejabat yang tidak terlibat dalam proses pemberian kredit.
2. Dalam agenda pemberian kredit: a. Credit Review Group harus mampu bersikap
independen dan menyampaikan pertimbangan serta mitigasi risiko kredit dengan jelas dan benar dalam menjalankan fungsinya sebagai pelaksanaan four eyes principle atau pemberi rekomendasi.
b. Anggota Komite dengan hak suara harus mempertimbangkan setiap masukan dari Anggota Komite tanpa hak suara, termasuk dari RMG Head.
PELAKSAnAAn TugAS dAn FrEKuEnSi rAPAT
Sepanjang tahun 2018, Komite Kredit telah mengadakan rapat sebanyak 29 (dua puluh sembilan) kali rapat dan pelaksanaan tugas, sebagai berikut:
3) Compliance with applicable laws and regulations, including the LLL (Legal Lending Limit) and Asset Quality Assessment.
f. Evaluate watch lists or early alerts and set steps for handling credit in the watch list so that credit quality does not deteriorate.
g. Determining the credit quality (collectibility) of each debtor submitted by the business unit, not including the quality of non-performing loans.
h. Evaluating and determining which debtors must be restructured and ensuring that restructuring is carried out by officials who are not involved in the lending process.
2. In the credit granting agenda: a. The Credit Review Group must be able to act
independently and deliver credit risk considerations and mitigation clearly and correctly in carrying out its functions as the implementation of the four eyes principle or the giver of recommendations.
b. Committee members with voting rights must consider any input from Committee Members without voting rights, including from the RMG Head.
imPlementAtion of DUties AnD freQUency of meetinGsThroughout 2018, the Credit Committee held 29 (twenty nine) meetings and carried out the following duties:
No Tanggal Pelaksanaan Implementation Date
1 19 Februari February 19
2 22 Februari February 22
3 12 Maret March 12
4 20 Maret March 20
5 5 April April 5
6 12 April April 12
7 19 April April 19
8 25 April April 25
9 3 Mei May 3
10 7 Mei May 7
11 24 Mei May 24
12 8 Juni June 8
13 2 Juli 2 July
14 16 Juli July 16
15 19 Juli July19
No Tanggal Pelaksanaan Implementation Date
16 13 Agustus August 13
17 23 Agustus August 23
18 31 Agustus August 31
19 10 September September 10
20 13 September September 13
21 20 September September 20
22 1 Oktover October 1
23 5 Oktober October 5
24 18 Oktober October 18
25 30 Oktober October 30
26 19 November October 19
27 5 Desember October 5
28 12 Desember December 12
29 30 Desember December 30
294 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
The Product Governance Committee is formed by the Directors through Decree No. SKEP-011/MNCB/DIR/IV/2017 April 25, 2017.
Komite Tata Kelola Produk dibentuk oleh Direksi melalui Keputusan No. SKEP- 011/MNCB/DIR/IV/2017 tanggal 25 April 2017.
No KedudukanOffice
JabatanPosition
1 Ketua/Chairman Presiden Direktur/President Director
2 Anggota/Member Direktur Operasional & Teknologi/Operational & Technology Director
3 Anggota/Member Direktur Keuangan/Finance Director
4 Anggota/Member Direktur Kepatuhan/Compliance Director
5 Anggota/Member Kepala Divisi/Business Head*
6 Anggota/Member Kepala Divisi Manajemen Risiko/Risk Management Group Head
7 Anggota/Member Kepada Divisi Kepatuhan/Compliance Group Head
8 Anggota/Member Kepada Divisi Cabang, Electronic Channel & Centralized Banking OperationBranch, Electronic Channel & Centralized Banking Operation Group Head
9 Anggota/Member Credit Review Group Head**
10 Sekretaris/Secretary Commercials, Product and Channels Group Head
Tabel Daftar KeanggotaanTable of Membership
* Sesuai produk dan aktivitas yang diajukan ** Sesuai segment (hanya untuk produk perkreditan)
* Based on the proposed Product and activities** Based on Segment (only for loan products)
koMIte DI bawah dIrekSICommittees under the Board of Directors
Product Governance CommitteekomIte tata kelola produk
TugAS dAn TAnggung jAwAB 1. Memberikan persetujuan atas Produk dan Aktivitas Baru,
Program Produk (PPD), kebijakan dan prosedur terkait Produk dan Aktivitas Baru, termasuk perubahannya, kecuali kebijakan dan prosedur perkreditan.
2. Menetapkan kecukupan PPD, kebijakan dan prosedur Produk dan Aktivitas Baru, collaterals, material pemasaran serta persetujuan internal dan eksternal yang diperlukan sebelum Produk dan Aktivitas Baru diluncurkan atau dipasarkan.
3. Menetapkan kewenangan dan proses terkait Produk dan Aktivitas Baru, termasuk infrastruktur yang diperlukan.
4. Memberikan persetujuan atas budget dan seluruh biaya yang dibutuhkan.
5. Menetapkan kesesuaian strategi bisnis dengan strategi Bank secara keseluruhan.
6. Memantau pelaksanaan penyusunan Produk dan Aktivitas Baru, pelaksanaannya serta mengevaluasi kinerja Produk dan Aktivitas Baru sesuai ketetapan Komite.
7. Menetapkan pengelolaan risiko dan kontrol sesuai standar pengelolaan risiko Bank, termasuk Key Risk Indicators (KRIs) untuk setiap Produk dan Aktivitas Baru.
DUties AnD resPonsiBilities 1. Approve New Products and Activities, Product Programs
(PPD), policies and procedures related to New Products and Activities, including changes, except credit policies and procedures.
2. Establish the adequacy of PPDs, policies and procedures for New Products and Activities, collaterals, marketing materials and internal and external agreements needed before New Products and Activities are launched or marketed.
3. Set the authority and process regarding New Products and Activities, including the infrastructure needed.
4. Give approval for the budget and all costs needed.
5. Establish the suitability of the business strategy with the Bank’s overall strategy.
6. Monitor the implementation of the preparation of New Products and Activities, implement them and evaluate the performance of New Products and Activities in accordance with the provisions of the Committee.
7. Establish risk management and control in accordance with Bank risk management standards, including Key Risk Indicators (KRIs) for each New Product and Activity.
295Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
TiM PEnAngAnAn KASuS KAryAwAn Tim Penanganan Kasus Karyawan (TPKK) dibentuk oleh Direksi melalui Keputusan No. SKEP-016D/BABP/DIR/11-14 tanggal 17 November 2014.
emPloyee cAse hAnDlinG teAmThe Employee Case Handling Team (TPKK) was formed by the Directors through Decree No. SKEP-016D/BABP/DIR/11-14 dated November 17, 2014.
Kewenangan dan Tanggung jawab Tim 1. Mengkaji dan menganalisis hasil penyidikan dan
penyelidikan dari penyelidik. 2. Membuat risalah atas pemerikasaan yang akan dipakai
sebagai dasar pertimbangan dalam penetapan sanksi.
3. Membuat keputusan sanksi kepada karyawan yang terbukti melakukan pelanggaran dan/atau kecurangan.
team Authorities and responsibilities1. Reviewing and analyzing the results of investigations
and investigations from investigators.2. Making minutes of examination that will be used as
the basis for consideration in the determination of sanctions.
3. Making decision on sanctions for employees who are proven to have committed violations and/or fraud.
No KedudukanPosition
JabatanTitle
1 Ketua/Chairman Direktur SDM & General ServicesDirector of Human Resources and General Services
2 Anggota/Member Presiden Direktur/President Director
3 Anggota/Member Direktur Kepatuhan/Director of Compliance
4 Anggota/Member Direktur Operasional & Teknologi/Director of Operational and Technology
5 Sekretaris/Secretary Human Resources Group Head
296 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
sekretarIsperuSahaanCorporate Secretary
Sesuai dengan Peraturan Otoritas Jasa Keuangan (POJK) Nomor 35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik, Sekretaris Perusahaan adalah orang perseorangan atau penanggung jawab dari unit kerja yang menjalankan fungsi sekretaris Perusahaan. Sekretaris Perusahaan merupakan organ pendukung Perusahaan yang bertindak sebagai penghubung antara MNC Bank dengan pemegang saham serta pemangku kepentingan lainya seperti regulator, investor dan masyarakat luas khususnya hal yang terkait dengan pasar modal di mana Sekretaris Perusahaan bertanggung jawab untuk memastikan kepatuhan Perusahaan terhadap undang-undang yang berlaku sebagai bagian dari implementasi Tata Kelola Perusahaan yang Baik (GCG). Selain itu Sekretaris Perusahaan bertanggung jawab menjaga Citra baik MNC Bank di mata pemangku kepentingan secara luas.
dASAr huKuM PEngAngKATAn SEKrETAriS PEruSAhAAnPembentukan, pengangkatan, dan pelaksanaan fungsi serta tugas Sekretaris Perusahaan mengacu kepada POJK Nomor 35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik serta Surat Keputusan Direksi PT Bursa Efek Indonesia No. Kep-00183/BEI/12-2018 perihal Perubahan Peraturan Nomor I-A Tentang Pencatatan Saham dan Efek Bersifat Ekuitas Selain Saham yang Diterbitkan oleh Perusahaan Tercatat.
In accordance with the Financial Services Authority Regulation (POJK) Number 35/POJK.04/2014 concerning Corporate Secretary of Issuers or Public Companies, the Corporate Secretary is an individual or person in charge of the work unit who performs the secretariat functions of the Corporate. The Corporate Secretary is a supporting organ of the Company that acts as a liaison between the MNC Bank and shareholders and other stakeholders such as regulators, investors and the wide community, especially those related to the capital market where the Corporate Secretary is responsible for ensuring the Company’s compliance with the laws that apply as part of an implementation of Good Corporate Governance (GCG). In addition, the Corporate Secretary is responsible for maintaining the good image of the MNC Bank in the eyes of stakeholders widely.
leGAl BAsis for APPointment of corPorAte secretAryEstablishment, appointment, implementation of functions and duties of the Corporate Secretary refers to POJK Number 35/POJK.04/2014 concerning Corporate Secretary of Issuers or Public Companies and Decree of Directors of PT Bursa Efek Indonesia No. Kep-00183/BEI/12-2018 concerning Amendment to Regulation Number I-A about Listing of Shares and Other Equity-Based Securities Issued by the Listed Company.
Memperoleh gelar Magister Hukum dari Fakultas Hukum Universitas Indonesia pada tahun 2009. Posisi yang pernah dijabat sebelumnya di dalam Bank adalah sebagai Corporate Legal and Corporate Affair Head Bank (Maret 2013 – Maret 2014); Corporate Legal Officer Bank (September 2012- Maret 2013); Treasury, Int’l Banking, Trade Finance and Non credit Transaction Legal (Desember 2011 – September 2012); Commercial Credit and Corporate Legal Business Department Head, Commercial and Corporate Business Legal Officer (Mei 2005 – Juni 2008).
Holds a Master of Law from the Faculty of Law, University of Indonesia in 2009. Positions held before in MNC Bank were as Corporate Legal & Corporate Affairs Head of the Bank (March 2013 – March 2014); Corporate Legal Officer of the Company (September 2012-March 2013); Treasury, Int’l Banking, Trade Finance & Non Credit Transaction Legal (December 2011 – September 2012); Commercial Credit & Corporate Legal Busines Department Head, Commercial & Corporate Business Legal Officer (May 2005 - June 2008).
ANDRI LATIFSekretaris Perusahaan
Corporate Secretary
46 tahun, Warga Negara Indonesia46 years old, Indonesian Citizen
297Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
STruKTur SEKrETAriS PEruSAhAAnSekretaris Perusahaan bertanggung jawab langsung kepada Presiden Direktur. Dalam pelaksanaan fungsi dan tugasnya, aktivitas Sekretaris Perusahaan terbagi dalam 4 (empat) bidang yaitu: 1. Aktivitas MNC Bank sebagai Perusahaan Terbuka yang
dilakukan oleh unit kerja Corporate Communication Division.
2. Aktivitas Komunikasi Korporasi yang dilakukan oleh unit kerja Corporate Communication Division.
3. Aktivitas Corporate Social Responsibility yang dilakukan oleh unit kerja Corporate Communication Division.
4. Aktivitas Kesekretariatan dan Corporate Legal yang dilakukan oleh unit kerja Corporate Legal & Corporate Affair Division.
Dalam pelaksanaan fungsi dan tugas masing-masing divisi berada di bawah koordinasi Sekretaris Perusahaan.
corPorAte secretAry strUctUreThe Corporate Secretary is directly responsible to the President Director. In carrying out its functions and duties, the activities of the Corporate Secretary are divided into 4 (four) fields, namely:1. MNC Bank activities as a Public Company conducted by
Corporate Communication Division work unit.
2. Corporate Communication Activities carried out by Corporate Communication Division work unit.
3. Corporate Social Responsibility activities carried out by Corporate Communication Division work unit.
4. Secretarial and Corporate Legal Activities carried out by the Corporate Legal & Corporate Affair Division work unit.
In carrying out the functions and duties each division is under the coordination of the Corporate Secretary.
Internal & external Communication
Corporate legal
regulator reporting
secretariate
presIDent DIreCtor
Corporate secretary
Corporate Communication Division head
Corporate legal secretaris Division head
Struktur Sekretaris Perusahaancorporate secretary structure
298 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
FungSi dAn TugAS SEKrETAriS PEruSAhAAnFungsi dan tugas Sekretaris Perusahaan MNC Bank mengacu pada Pasal 5 POJK Nomor 35/POJK.04/2014 tentang Sekretaris Perusahaan Emiten atau Perusahaan Publik. Fungsi Sekretaris Perusahaan paling kurang meliputi hal-hal sebagai berikut: 1. Mengikuti perkembangan pasar modal khususnya
peraturan perundang-undangan yang berlaku di bidang pasar modal.
2. Memberikan masukan kepada Direksi dan Dewan Komisaris untuk mematuhi ketentuan peraturan perundangan di bidang pasar modal.
3. Membantu Direksi dan Dewan Komisaris dalam pelaksanaan tata kelola perusahaan yang meliputi:
4. keterbukaan informasi kepada masyarakat, termasuk ketersediaan informasi pada Situs Web Emiten;
5. penyampaian laporan kepada Otoritas Jasa Keuangan tepat waktu;
6. penyelenggaraan dan dokumentasi Rapat Umum Pemegang Saham; dan
7. penyelenggaraan dan dokumentasi Rapat Direksi dan/atau Dewan Komisaris
8. Sebagai penghubung antara Emiten dengan pemegang saham, OJK dan pemangku kepentingan lainnya.
9.
Tugas dan tanggung jawab dalam organisasi yang terkait dengan pelaksanaan aktivitas Corporate Secretary Bank MNC adalah sebagai berikut: 1. Aktivitas Bank Sebagai Perusahaan Terbuka: a. Melaksanakan Keterbukaan Informasi termasuk
pelaporan-pelaporan kepada Regulator sehubungan status Bank sebagai perusahan terbuka.
b. Menyelenggarakan dan mendokumentasikan Rapat Umum Pemegang Saham.
c. Melaksanakan pelaporan-pelaporan sesuai ketentuan perundangan yang menjadi kewenangan unit kerja Corporate Secretary.
d. Mengelola administrasi pemegang saham Bank. e. Menyelenggarakan kegiatan lainnya yang berkaitan
dengan Aksi Korporasi dan/atau keterbukaan informasi lainnya.
f. Penghubung antara Bank dengan pemegang saham, OJK dan regulator lain, publik dan pemangku kepentingan lainnya.
2. Aktivitas Komunikasi Korporasi a. Menetapkan strategi penyelenggaraan komunikasi
termasuk menetapkan peraturan tentang penyelenggaraan komunikasi yang bersifat korporasi.
fUnctions AnD DUties of corPorAte secretAryFunctions and duties of MNC Bank Corporate Secretary refers to Article 5 POJK Number 35/POJK.04/2014 concerning Corporate Secretary of Issuers or Public Companies. The function of the Corporate Secretary includes at least the following: 1. Following updates of the capital market, especially the
applicable capital market laws and regulations;
2. Providing advices to the Board of Directors and Board of Commissioners to comply to the laws and regulations in the capital market.
3. Assisting the Board of Directors and Board of Commissioners on GCG implementation, including:
4. information disclosures to the public, including the availability of information on the website of MNC Bank.
5. submission of reports to the Financial Services Authority in a timely manner.
6. implementation and documentation of the GMS.
7. Implementation and documentation of the meetings of the Board of Directors and/or Board of Commissioners and
8. Acting as a liaison between MNC Bank and the Shareholders, Financial Services Authority and other Stakeholders;
Duties and responsibilities in the organization related to the implementation of MNC Bank’s Corporate Secretary activities are as follows: 1. Bank Activities as a Public Company: a. Carrying out Information Disclosure including
reporting to Regulators in relation to the status of the Bank as an open company.
b. Organizing and documenting the General Meeting of Shareholders.
c. Carrying out reporting according to the provisions of legislation that is under the authority of the Corporate Secretary work unit.
d. Managing administration of Bank shareholders. e. Organizing other activities related to Corporate
Action and/or other information disclosure.
f. As a liaison between the Bank and shareholders, OJK and other regulators, the public and other stakeholders.
2. Corporate Communication Activities a. Establishing a strategy for organizing communications
including establishing regulations regarding the implementation of corporate communications.
299Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
b. Melakukan aktivitas komunikasi yang bersifat korporasi kepada pemangku kepentingan internal maupun eksternal Bank.
c. Mengadakan dan melaksanakan kegiatan tertentu (e.g. event/acara/sponsorship) sebagai pelaksanaan strategi komunikasi yang bersifat korporasi serta pengelolaan reputasi/risiko reputasi.
d. Melaksanakan kegiatan pemantauan atas media terkait dengan berita, artikel, naskah berita atau iklan media massa. Pemantauan dilakukan terhadap pemberitaan tentang Bank, dengan tujuan untuk mendeteksi dan mengantisipasi secara dini isi dari sebuah berita.
e. Melaksanakan update informasi korporasi melalui situs web Bank dank kanal-kanal sosial media Bank.
f. Melakukan penanganan pengaduan nasabah yang disampaikan melalui media sosial.
g. Bersama-sama dengan Unit Kerja Marketing & Communication dalam menetapkan brand image dan menentukan brand positioning.
3. Aktivitas Kesekretariatan dan Corporate Legal a. Menyelenggarakan dan mendokumentasikan Rapat
Direksi dan Rapat Dewan Komisaris. b. Mengadministrasikan dokumen perusahaan termasuk
mengatur atau menetapkan peraturan tentang persuratan dan pengelolaan dokumen perusahaan.
c. Mendokumentasikan dan mengupdate dokumen legal Perusahaan.
d. Melaksanakan kegiatan-kegiatan untuk mendukung fungsi dan kegiatan kerja Dewan Komisaris dan Direksi.
e. Memastikan pengkinian penerapan regulasi dalam tata kelola perusahaan baik regulasi pasar modal maupun Perbankan.
4. Aktivitas Tanggung Jawab Sosial Perusahaan (Corporate Social Responsibility)
a. Menetapkan strategi dan melaksanakan kegiatan-kegiatan Aktivitas Corporate Social Responsiblity (CSR).
b. Melaksanakan kegiatan lainnya yang sejenis baik merupakan pelaksanaan program OJK berupa Edukasi dan Literasi maupun kegiatan lain yang dilaksanakan melalui kerjasama dengan pihak ketiga.
PELAKSAnAAn TugAS SEKrETAriS PEruSAhAAn TAhun 2018Selama tahun 2018, Sekretaris Perusahaan MNC Bank telah melaksanakan fungsi dan tugas yang berkaitan dengan pemangku kepentingan, antara lain:
b. Conducting corporate communication activities to internal and external stakeholders of the Bank.
c. Holding and carrying out certain activities (e.g. event/event/sponsorship) as the implementation of corporate communication strategies and reputation/reputation risk management.
d. Carrying out monitoring activities on the media related to news, articles, news scripts or mass media advertisements. Monitoring is carried out on reporting about the Bank, with the aim of early detection and anticipation of the contents of the news.
e. Carrying out corporate information updates through the Bank’s website and social media channels.
f. Handling customer complaints submitted through social media.
g. Together with the Marketing & Communication Work Unit in setting the brand image and brand positioning.
3. Secretariat and Corporate Legal Activities a. Organizing and documenting Board of Directors
Meetings and Board of Commissioners Meetings. b. Administering company documents including
regulating or stipulating regulations regarding letters and management of company documents.
c. Documenting and updating Company legal documents.
d. Carrying out activities to support the functions and work activities of the Board of Commissioners and Directors.
e. Ensuring the updating of the application of regulations in corporate governance, both capital market regulations and banking.
4. Corporate Social Responsibility Activities
a. Establishing strategies and carry out activities of Corporate Social Responsibility (CSR) Activities.
b. Carrying out other similar activities is the implementation of the OJK program in the form of Education and Literacy and other activities carried out in collaboration with third parties.
imPlementAtion of corPorAte secretAry DUties in 2018During 2018, the MNC Bank Corporate Secretary carried out functions and tasks related to stakeholders, including:
300 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
1. Mengikuti perkembangan peraturan Pasar Modal khususnya peraturan perundang-undangan yang berlaku di Pasar Modal, antara lain dengan memastikan kepatuhan atas peraturan baru yang dikeluarkan OJK, Bursa Efek Indonesia dan Regulator lain yang terkait dengan pasar modal.
2. Menyelenggarakan dan mendokumentasikan Rapat Umum Pemegang Saham Tahunan (RUPST) pada 31 Mei 2018 dan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) pada 20 September 2018 dan 13 Desember 2018 serta Paparan Publik tahunan pada 31 Mei 2018.
3. Menyelenggarakan dan menghadiri Rapat Direksi dan Rapat Dewan Komisaris serta membuat risalah rapatnya.
4. Melakukan perubahan/penyesuaian atas Anggaran Dasar
Perusahaan, Pedoman dan Tata Tertib Kerja Direksi dan Komisaris, Kebijakan Pelaporan Kepemilikan Saham Direksi dan Komisaris Perusahaan Terbuka, Kebijakan Transparansi Informasi Pengurus dan Pejabat Eksekutif, Kebijakan Klasifikasi dan Pengamanan Informasi Bank dan kebijakan lainnya sesuai dengan peraturan perundangan yang berlaku dan pelaksanaan tata kelola MNC Bank.
5. Melakukan keterbukaan informasi kepada masyarakat sesuai dengan peraturan perundangan yang belaku.
6. Melakukan keterbukaan informasi kepada pegawai internal MNC Bank melalui Portal dan email blast.
7. Menyediakan informasi yang up to date dan akurat pada website MNC Bank serta Pengelolaan social media MNC Bank.
8. Menyusun Laporan Tahunan 2017 MNC Bank serta menyampaikan kepada Regulator sesuai dengan ketentuan perundangan yang berlaku dan menyampaikan Laporan Tahunan 2017 perusahaan induk kepada regulator.
9. Pengurusan penilaian Kemampuan dan Kepatutan 3 (tiga) anggota Direksi dan 3 (tiga) anggota Dewan Komisaris.
10. Dokumentasi data legalitas Perusahaan, antara lain Akta
RUPS, Akta Perubahan Anggaran Dasar, Akta Perubahan Susunan Pengurus dan lainnya.
11. Menyelenggarakan kegiatan press conference, media briefing dan media visit.
12. Menjalin komunikasi dengan Otoritas Jasa Keuangan, Bursa Efek Indonesia, KSEI, BAE dan lembaga terkait lainnya.
13. Pelaporan hasil media monitoring kepada Direksi setiap terdapat pemberitaan terkait MNC Bank.
14. Melakukan liputan kegiatan internal maupun liputan media kegiatan korporasi sebanyak 40 liputan.
1. Following the development of Capital Market regulations, especially the applicable laws and regulations in the Capital Market, among others by ensuring compliance with new regulations issued by the OJK, the Indonesia Stock Exchange and other regulators related to the capital market.
2. Organizing and documenting the Annual General Meeting of Shareholders (AGMS) on May 31, 2018 and the Extraordinary General Meeting of Shareholders (EGM) on September 20, 2018 and December 13, 2018 and the annual Public Expose on May 31, 2018.
3. Organizing and attending Board of Directors and Board of Commissioners Meetings and making minutes of meetings.
4. Making changes / adjustments to the Company’s Articles of Association, Directors and Commissioners Charter, Code of Conduct Reporting Policy for Public Company Directors and Commissioners, Transparency Policy for Management Information and Executive Officers, Bank Information Classification and Safeguard Policies and other policies in accordance with regulations applicable laws and implementation of MNC Bank governance.
5. Conducting information disclosure to the public in
accordance with applicable laws and regulations. 6. Carrying out information disclosure to MNC Bank internal
employees through Portal and email blast. 7. Providing information that is up to date and accurate on
the MNC Bank website and Management of MNC Bank social media.
8. Compiling the MNC Bank 2017 Annual Report and submit it to the Regulator in accordance with the provisions of the applicable legislation and submit the 2017 Annual Report of the parent company to the regulator.
9. Managing the Compliance Test of 3 (three) members of the Board of Directors and 3 (three) members of the Board of Commissioners.
10. Documenting of Company legality data, including the Deed of GMS, Deed of Amendment to Articles of Association, Amendment Deed of Management and others.
11. Organizing press conferences, media briefings and media visits.
12. Establishing communication with the Financial Services Authority, the Indonesia Stock Exchange, KSEI, BAE and other related institutions.
13. Reporting on the results of media monitoring to the Board of Directors whenever there is news regarding the MNC Bank.
14. Conducting coverage of internal activities as well as media coverage on corporate activities for as many as
301Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
15. Mengeluarkan informasi kepada media melalui penerbitan press release sebanyak 47 release.
16. Berpartisipasi aktif dalam kegiatan Corporate Secretary yang diselenggarakan oleh Regulator dan Asosiasi Corporate Secretary (ICSA).
17. Menyelenggarakan kegiatan CSR sebanyak 12 kali, baik yang dilaksanakan sendiri maupun bekerja sama dengan MNC Group dan pihak ketiga.
18. Menyelenggaraan kegiatan edukasiliterasi sebanyak 22 kali, yang terdiridari 7 kegiatan dilaksanakan oleh Corporate Communication dan 15 kegiatan dilaksanakan oleh kantor cabang di seluruh wilayah operasional.
19. Menyelenggarakan dan mengkoordinir kegiatan internal MNC Bank antara lain Townhall awal tahun, buka pusa bersama manajemen dan karyawan MNC Bank, Halalbihalal, HUT MNC Bank dan Rapat Kerja Tahunan.
20. Mengadministrasikan dan mendistribusikan seluruh surat masuk yang ditujukan kepada MNC Bank atau kepada unit kerja terkait untuk ditindak lanjuti.
21. Sebagai penghubung antara MNC Bank dengan para pemegang saham, investor, regulator maupun pemangku kepentingan lainnya.
dAFTAr PELAPOrAn dAn/ATAu KETErBuKAAn inFOrMASi KEPAdA rEguLATOrSepanjang tahun 2018, Sekretaris Perusahaan telah menyampaikan informasi kepada masyarakat melalui media massa, situs WEB MNC Bank, OJK dan BEI serta menyampaikan laporan secara berkala ataupun insidentil kepada OJK dan BEI sebagai berikut:
40 coverage. 15. Issuing information to the media through publishing 47
press releases. 16. Actively participating in Corporate Secretary activities
organized by the Regulators and the Association of Corporate Secretary (ICSA).
17. Organizing CSR activities 12 times, both carried out alone and in collaboration with MNC Group and third parties.
18. Organizing educational activities 22 times, consisting of 7 activities carried out by Corporate Communication and 15 activities carried out by branch offices in all operational areas.
19. Organizing and coordinating MNC Bank’s internal activities, including Townhall at the beginning of the year, opening up with MNC Bank management and employees, Halalbihalal, MNC Bank Anniversary and Annual Work Meetings.
20. Administering and distribute all incoming letters addressed to the MNC Bank or to the relevant work units for follow-up.
21. As a liaison between MNC Bank and shareholders, investors, regulators and other stakeholders.
list of rePortinG AnD/or DisclosUre to reGUlAtorDuring 2018, the Corporate Secretary has submitted information to the public through mass media, the Bank’s website and IDX, including submitting periodical or incidental reports to OJK and IDX as follows:
Tabel Laporan BerkalaTable of periodical report
Jenis Laporan TujuanFor
PeriodePeriod
JumlahTotal Type of Report
Laporan Bulanan Registrasi Pemegang Saham OJK & BEI BulananMonthly 12 Shareholders Register Monthly Report
Laporan Keuangan Perseroan OJK & BEI TriwulananQuarterly 4 Bank Financial Statements
Laporan Keuangan Konsolidasian Pemegang Saham Utama OJK & BEI Semester
Mid Year 2 Ultimate Shareholders Consolidated Financial Statements
Laporan Tahunan OJK & BEI TahunanAnnual 1 Annual Report
Laporan Pihak Terkait OJK SemesterMid Year 2 Related Parties Report
Laporan Pihak Berelasi OJK TriwulananQuarterly 4 Related Parties Report
Laporan Publikasi SBDK OJK TriwulananQuarterly 4 LLL Publication Reports
Laporan Perubahan Jaringan Kantor BI BulananMonthly 12 Office Network Changes Reports
Laporan Keuangan Bulanan BI BulananMonthly 12 Monthly Financial Statements
Laporan Rencana dan Pelaksanaan Kegiatan Edukasi dan Literasi OJK Tahunan
Annual 2 Plan and Implementation of Education and Literacy Activities Report
302 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Laporan insidentil incidental report
TanggalDate
LaporanReport
12 Januari 2018January 12, 2018
Laporan Realisasi Penggunaan Dana Hasil Konversi Efek yang Dapat Dikonversi Menjadi Saham pada Penawaran Umum Terbatas III (PUT III) dan Hasil Konversi Efek yang Dapat Dikonversi menjadi Saham Penawaran Umum Terbatas V (PUT V) PT Bank MNC Internasional Tbk Periode Desember 2017
Realization of the Convertible Securities Conversion Fund Realization Report into Shares on Limited Public Offering III (PUT III) and Convertible Securities Conversion Results into PT (MN) V Limited Public Offering V (PUT V) Shares December 2017 Period
06 Februari 2018February 6, 2018
Penjelasan atas Volatilitas
Explanation of Volatility
20 Maret 2018March 20, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Permohonan Pengunduran Diri Direktur PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known Request for Resignation of Director of PT Bank MNC Internasional Tbk
22 Maret 2018March 22, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Laporan Rencana Periode Pelaksanaan MESOP PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known Implementation Plan Report MESOP PT Bank MNC International Tbk
29 Maret 2018March 29, 2018
Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan per 31 Desember 2017
Submission of Ad Proof of Annual Financial Statement Information as at 31 December 2017
12 April 2018April 12, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Informasi Penawaran Umum Terbatas VI (PUT VI) Kepada Para Pemegang Saham Perseroan Dalam Rangka Hak Memesan Efek Terlebih Dahulu (HMETD)
Information Disclosure Needed to Be Publicly Known Limited Public Offering VI (PUT VI) Information to the Company’s Shareholders in the Framework of Pre-emptive Rights (HMETD)
24 April 2018April 24, 2018
Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
Submission of Proof of Advertising Notification of Annual and Extraordinary General Meeting of Shareholders
24 April 2018April 24, 2018
Pemberitahuan Rencana Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
Notification of the Annual and Extraordinary General Meeting of Shareholders Plan
24 April 2018April 24, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Keterbukaan Informasi Rencana Penambahan Modal Tanpa HMETD dan Keterbukaan Informasi Rencana Penambahan Modal Dengan HMETD
Information Disclosure Needed to Be Publicly Known Information Disclosure of Capital Addition Plan without HMETD and Information Disclosure on Capital Addition Plan with HMETD
09 Mei 2018May 09, 2018
Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
Submission of Evidence of Calls to Advertisements for Annual and Extraordinary General Meeting of Shareholders
09 Mei 2018May 09, 2018
Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
Call of the Annual and Extraordinary General Meeting of Shareholders
15 Mei 2018May 15, 2018
Penyampaian Bukti Iklan Informasi Laporan Keuangan per 31 Maret 2018
Submission of Ad Proof of Financial Report Information as of March 31, 2018
16 Mei 2018May 16, 2018
Rencana Penyelenggaraan Public Expose Tahunan
Plan for the Annual Public Expose
17 Mei 2018May 17, 2018
Laporan Hasil Pelaksanaan Konversi ESOP/MSOP PT Bank MNC Internasional Tbk
Report on ESOP / MSOP Conversion Results of PT Bank MNC Internasional Tbk
303Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
TanggalDate
LaporanReport
25 Mei 2018May 25, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Permohonan Pengunduran Diri Komisaris PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known Request for Resignation of Commissioner of PT Bank MNC Internasional Tbk
25 Mei 2018May 25, 2018
Penyampaian Materi Public Expose Tahunan
Submission of Annual Public Expose Material
28 Mei 2018May 28, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Permohonan Pengunduran Diri Direktur PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known Request for Resignation of Director of PT Bank MNC Internasional Tbk
30 Mei 2018May 30, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Permohonan Pengunduran Diri Direktur PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known Request for Resignation of Director of PT Bank MNC Internasional Tbk
31 Mei 2018May 31, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Informasi Tambahan dan/atau Perbaikan Penawaran Umum Terbatas VI (PUT VI) Kepada Para Pemegang Saham Perseroan Dalam Rangka HMETD
Information Disclosure Needed to Be Publicly Known Additional Information and/or Repair of Limited Public Offering VI (PUT VI) to the Company’s Shareholders in the Rights Issue
05 Juni 2018June 05, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Informasi Tambahan dan/atau Perbaikan Penawaran Umum Terbatas VI (PUT VI) Kepada Para Pemegang Saham Perseroan Dalam Rangka HMETD (KOREKSI)
Information Disclosure Needed to Be Publicly Known Additional Information and/or Repair of Limited Public Offering VI (PUT VI) to the Company’s Shareholders in the Rights Issue (CORRECTION)
05 Juni 2018June 05, 2018
Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
Submission of Evidence of Advertisements from the Results of the Annual and Extraordinary General Meeting of Shareholders
05 Juni 2018June 05, 2018
Hasil Rapat Umum Para Pemegang Saham Tahunan dan Luar Biasa
Results of the Annual and Extraordinary General Meeting of Shareholders
05 Juni 2018June 05, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan Anggota Dewan Komisaris dan Direksi PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known Changes in the Members of the Board of Commissioners and Directors of PT Bank MNC Internasional Tbk
06 Juni 2018June 06, 2018
Hasil Rapat Umum Para Pemegang Saham Tahunan dan Luar Biasa (KOREKSI)
Results of the Annual and Extraordinary General Meeting of Shareholders (CORRECTION)
06 Juni 2018June 6, 2018
Laporan Hasil Public Expose – Tahunan
Report on The Results of the Annual Public Expose
06 Juni 2018June 6, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Pelaksanaan Perubahan Logo PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known the Implementation of Logo Change at PT Bank MNC Internasional Tbk
07 Juni 2018June 7, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Pelaksanaan Perubahan Logo PT Bank MNC Internasional Tbk (KOREKSI)
Information Disclosure Needed to Be Publicly Known the Implementation of Logo Change at PT Bank MNC Internasional Tbk (CORRECTION)
21 Juni 2018June 21, 2018
Penyampaian Buku Prospektus Penawaran Terbata Umum VI PT Bank MNC Internasional Tbk
Submission of Book of Prospectus for Public Offering VI PT Bank MNC Internasional Tbk
21 Juni 2018June 21, 2018
Hasil Rapat Umum Para Pemegang Saham Tahunan dan Luar Biasa (KOREKSI)
Results of the Annual and Extraordinary General Meeting of Shareholders (CORRECTION)
304 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
TanggalDate
LaporanReport
13 Juli 2018July 13, 2018
Laporan Pelaksanaan Penawaran Umum Terbatas VI PT Bank MNC Internasional Tbk Tahun 2018
Report on the Limited Public Offering VI of PT Bank MNC International Tbk in 2018
17 Juli 2018July 17, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Laporan Realisasi Penggunaan Dana Hasil Konversi Efek yang Dapat Dikonversi Menjadi Saham pada PUT V per Juni 2018
Information Disclosure Needed to Be Publicly Known Realization Report on the Use of Convertible Securities that Can Be Converted into Shares at PUT V as of June 2018
17 Juli 2018July 17, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Laporan Pelaksanaan Penawaran Umum Terbatas VI PT Bank MNC Internasional Tbk Tahun 2018
Information Disclosure Needed to Be Publicly Known Report of the Limited Public Offering VI of PT Bank MNC International Tbk in 2018
24 Juli 2018July 24, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Permohonan Pengunduran Diri Komisaris PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly Known Request for Resignation of Commissioner of PT Bank MNC Internasional Tbk
26 Juli 2018July 26, 2018
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim per 30 Juni 2018
Submission of Ad Proof for Information on Interim Financial Statements as of June 30, 2018
06 Agustus 2018August 6, 2018
Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa
Notification of Plan for Extraordinary General Meeting of Shareholders
14 Agustus 2018August 14, 2018
Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa
Submission of Ad Proof for Notification of the Extraordinary General Meeting of Shareholders
29 Agustus 2018August 29, 2018
Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Luar Biasa
Submission of Ad Proof for Calls of the Extraordinary General Meeting of Shareholders
29 Agustus 2018August 29, 2018
Panggilan Rapat Umum Pemegang Saham Luar Biasa
Call for Extraordinary General Meeting of Shareholders
30 Agustus 2018August 30, 2018
Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan Susunan Direksi PT Bank MNC Internasional Tbk
Information Disclosure Needed to Be Publicly known Changes in the composition of the Board of Directors of PT Bank MNC Internasional Tbk
24 September 2018September 24, 2018
Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham Luar Biasa
Submission of Ad Proof for Results of Extraordinary General Meeting of Shareholders
24 September 2018September 24, 2018
Hasil Rapat Umum Para Pemegang Saham Luar Biasa
Results of Extraordinary General Meeting of Shareholders
25 September 2018 September 25, 2018
Hasil Rapat Umum Para Pemegang Saham Luar Biasa (KOREKSI)
Results of Extraordinary General Meeting of Shareholders (CORRECTION)
29 Oktober 2018October 29, 2018
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim per 30 September 2018
Submission of Ad Proof for Information on Interim Financial Reports as of September 30, 2018
29 Oktober 2018October 29, 2018
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim per 30 September 2018 (KOREKSI)
Submission of Ad Proof for Information on Interim Financial Reports as of September 30, 2018 (CORRECTION)
02 November 2018November 2, 2018
Keterbukaan Informasi Permohonan Pengunduran Direktur PT Bank MNC Internasional Tbk
Information Disclosure of Requests for Resignation of Director of PT Bank MNC Internasional Tbk
305Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
PEngEMBAngAn PrOFESiSebagai pihak yang mewakili MNC Bank dengan pihak-pihak ekternal, Sekretaris Perusahaan harus selalu memperkaya kompetensi dan mengikuti perkembangan dunia pasar modal baik di bidang hukum, keuangan, komunikasi serta tata kelola Perusahaan. Untuk itu, Sekretaris Perusahaan MNC Bank secara rutin mengikuti berbagai pelatihan/workshop/seminar yang bermanfaat guna memaksimalkan perannya sebagai pihak yang memagng peran penting di Perusahaan. Sepanjang tahun 2018, Sekretaris Perusahaan MNC Bank telah mengikuti berbagai pelatihan/workshop/seminar antara lain:
TanggalDate
LaporanReport
06 November 2018November 6, 2018
Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa
Submission of Ad Proof for Notification of Extraordinary General Meeting of Shareholders
06 November 2018November 6, 2018
Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa
Notification of Plan for Extraordinary General Meeting of Shareholders
19 November 2018November 19, 2018
Laporan Hasil Pelaksanaan Konversi ESOP/MESOP
Report on ESOP / MESOP Conversion Implementation Results
21 November 2018November 21, 2018
Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Luar Biasa
Submission of Ad Proof for Calls of Extraordinary General Meeting of Shareholders
21 November 2018November 21, 2018
Panggilan Rapat Umum Pemegang Saham Luar Biasa
Call for Extraordinary General Meeting of Shareholders
17 Desember 2018December 17, 2018
Penyampaian Bukti Iklan Hasil Rapat Umum Pemegang Saham Luar Biasa
Submission of Ad Proof for Results of Extraordinary General Meeting of Shareholders
17 Desember 2018December 17, 2018
Hasil Rapat Umum Para Pemegang Saham Luar Biasa
Results of Extraordinary General Meeting of Shareholders
ProfessionAl DeVeloPmentAs a someone who represents MNC Bank with external parties, the Corporate Secretary must enrich competence and keep update of the world of capital markets both in the fields of law, finance, communication and corporate governance. For this reason, the Corporate Secretary of MNC Bank routinely participates in various training/workshops/seminars that are useful to maximize his role in the Company. Throughout 2018, MNC Bank Corporate Secretary has participated in various trainings/workshops/seminars including:
No TanggalDate
SeminarSeminar
PenyelenggaraOrganizers
1 12 Juni 2018June 12, 2018
Sosialisasi e-Proxy dan e-Voting Platform KSEI dan ICSA
e-Proxy and e-Voting Platform Socialization
2 23 Juli 2018July 23, 2018
Sosialisasi dan Awareness Road to T+2 Settlement Cycle BEI
Socialization and Awareness Road to T+2 Settlement Cycle
3 27 Juli 2018July 27, 2018
Menuju Pasar Modern di Era Ekonomi Digital OJK
Towards a Modern Market in the Digital Economy Era
4 20 September 2018September 20, 2018
Seminar POJK no.9/POJK.04/2018 tentang Pengambilalihan Perusahaan Terbuka dan POJK no.11/POJK Penawaran Umum Efek Bersifat Utang dan/atau Sukuk kepada Pemodal
ICSA
POJK Seminar no.9/POJK.04/2018 concerning Takeover of Public Companies and POJK no.11/POJK Debt Securities Public Offering and/or Sukuk to Investors
306 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
auDItInternalInternal Audit
FungSi AudiT inTErnAL Satuan Kerja Audit Internal (SKAI) atau Internal Audit Group (IAG) melaksanakan fungsi audit internal di MNC Bank dengan tujuan: 1. Memberikan keyakinan yang memadai kepada
manajemen bahwa proses tata kelola, manajemen risiko dan sistem pengendalian internal Bank telah berjalan dengan baik, dalam rangka membantu manajemen merealisasikan tujuan perusahaan.
2. Menjalankan fungsi konsultasi yang profesional, independen serta obyektif untuk meningkatkan nilai tambah bagi seluruh pihak internal Bank.
dASAr huKuM Dalam membentuk SKAI, MNC Bank merujuk kepada Peraturan Bank Indonesia No. 1/6/1999 tanggal 20 September 1999 perihal Penugasan Direktur Kepatuhan (Compliance Director) dan Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank (SPFAIB) dan POJK No.056/POJK.04/2015 tanggal 23 Desember 2015 yang antara lain mewajibkan Bank untuk membentuk SKAI, menyusun Piagam Audit Intern serta menyusun panduan audit intern.
KEPALA SATuAn KErjA AudiT inTErnAL Riva Yan Abdillah, Warga Negara Indonesia, 46 tahun. Bergabung dengan Bank MNC Internasional sebagai Kepala SKAI sejak Agustus 2017. Memiliki pengalaman kerja selama 20 tahun di bidang audit internal khususnya industri perbankan, seperti Bank Panin (1997–2003), Bank Mega (2003–2006), Bank Commonwealth (2006–2009) dan Bank ICBC Indonesia (2009–2017). Memperoleh gelar Sarjana Ekonomi (1996) dari STEKPI, dan sertifikasi profesi seperti Credit Skill Assessment Certification (CSAC), Certified Risk Management Professional (CRMP), dan Sertifikasi Manajemen Risiko level 4.
PEngAngKATAn dAn PEMBErhEnTiAn KEPALA SKAi
Peraturan Bank Indonesia No.1/6/PBI/1999 tanggal 20 September 1999 tentang Penugasan Kepala Direktur Kepatuhan (Compliance Director) dan Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank Umum menjadi rujukan dalam mengangkat dan memberhentikan Kepala SKAI yang dilakukan oleh Presiden Direktur dengan persetujuan Dewan Komisaris dan dilaporkan kepada Otoritas Jasa Keuangan (OJK). Pengangkatan Kepala SKAI telah dilaporkan kepada OJK Pengawasan Bank melalui surat no.251/MNCB/DIR/ VIII/2017 tanggal 3 Agustus 2017 perihal Pengangkatan Kepala Internal Audit Grup.
PiAgAM AudiT inTErnAL MNC Bank memiliki Piagam Audit Internal yang disahkan oleh Presiden Direktur, Dewan Komisaris dan Komite Audit. Dalam pedoman Piagam Audit Internal, termuat beberapa poin antara lain mengenai Tujuan, Ruang Lingkup, Visi, Misi, Kedudukan, Wewenang, Tugas dan Tanggung Jawab SKAI, yang dievaluasi secara berkala. Piagam Audit Internal telah sejalan dengan Peraturan Bank Indonesia (PBI) No. 1/6/PBI/1999 tentang Penugasan Direktur Kepatuhan dan
internAl AUDit fUnctionThe Internal Audit Unit (SKAI) or Internal Audit Group (IAG) carries out the internal audit function at the MNC Bank with the aim of:1. Providing adequate assurance to management that
the Bank’s governance, risk management and internal control systems are running well, in order to help management realize the company’s goals.
2. Carrying out a professional, independent and objective consultation function to increase added value for all internal parties of the Bank.
leGAl BAsisIn forming SKAI, MNC Bank refers to Bank Indonesia Regulation No. 1/6/1999 dated September 20, 1999 concerning Assignment of Compliance Director and Implementation of Standards for Implementation of Bank Internal Audit Functions (SPFAIB) and POJK No.056/POJK.04/2015 dated December 23, 2015 which oblige Banks to form SKAI, drafting the Internal Audit Charter and compiling internal audit guidelines.
heAD of internAl AUDit work UnitSKAI is headed by Riva Yan Abdillah, an Indonesian citizen, 45 years old. He joined MNC Bank International as Head of the Internal Audit Unit since August 2017. He has 20 years of work experience in the field of internal audit, especially the banking industry, such as Bank Panin (1997-2003), Bank Mega (2003– 2006), Commonwealth Bank (2006– 2009) and Bank ICBC Indonesia (2009-2017). He obtained a Bachelor of Economics (1996) from STEKPI and professional certification such as Credit Skill Assessment Certification (CSAC), Certified Risk Management Professional (CRMP) and Level 4 Risk Management Certification.
APPointment AnD DismissAl of heAD of internAl AUDit UnitBank Indonesia Regulation No.1/6/PBI/1999 dated September 20, 1999 concerning Assignment of Compliance Director and Implementation of Standards for Commercial Bank Internal Audit Function Implementation becomes a reference in appointing and dismissing the Head of Internal Audit Unit conducted by the President Director with Board approval Commissioner and reported to the Financial Services Authority (OJK). The appointment of the Head of the Internal Audit Unit has been reported to the OJK Bank Supervision through letter no.251/ MNCB/DIR/VIII/ 2017 dated August 3, 2017 regarding the Appointment of the Head of the Group’s Internal Audit.
internAl AUDit chArterMNC Bank has an Internal Audit Charter approved by the President Director, the Board of Commissioners and the Audit Committee. In the guidelines of the Internal Audit Charter, there are several points including the Objectives, Scope, Vision, Mission, Position, Authority, Duties and Responsibilities of the Internal Audit Unit, which are regularly evaluated. The Internal Audit Charter is in line with Bank Indonesia Regulation (PBI) No. 1/6 / PBI /
307Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Penerapan Standar Pelaksanaan Fungsi Audit Intern Bank (SPFAIB) dan Peraturan Otoritas Jasa Keuangan (POJK) No. 56/POJK.04/2015 tentang Pembentukan dan Pedoman Penyusunan Piagam Internal Audit.
KuALiFiKASi SATuAn KErjA AudiT inTErnAL (SKAi)
Seluruh personel SKAI MNC Bank telah memenuhi persyaratan auditor internal yang sebagaimana ditetapkan dalam POJK No.56/POJK.04/2015.
STruKTur & KOMPOSiSi inTErnAL AudiT gruP
Kepala SKAI melapor langsung kepada Presiden Direktur dan dapat berkomunikasi langsung dengan Dewan Komisaris melalui Komite Audit untuk menginformasikan hal-hal yang signifikan yang berhubungan dengan aktivitas audit. Kedudukan SKAI dalam Organisasi dapat dilihat pada diagram di bawah ini:
1999 concerning Assignment of Compliance Director and Implementation of Standards for Implementation of Bank Internal Audit Functions (SPFAIB) and Regulation of the Financial Services Authority (POJK) No. 56 / POJK.04 / 2015 concerning Establishment and Guidelines for Preparation of Internal Audit Charter.
QUAlificAtion of internAl AUDit work Unit (skAi)All MNC Bank SKAI personnel meet the internal auditor requirements as stipulated in POJK No.56/POJK.04/2015.
strUctUre & comPosition of the GroUP’s internAl AUDitThe Head of the Internal Audit Unit reports directly to the President Director and can communicate directly with the Board of Commissioners through the Audit Committee to inform significant matters related to audit activities. The position of the Internal Audit Unit in the Organization can be seen in the diagram below:
boarD of CoMMIssIoner
president Director
Director Compliance Director
Iag
audit Committee
Struktur & Komposisi SKAIStrukture & composition of the group internal Audit
308 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
OJK akan segera diinformasikan mengenai setiap pengangkatan, pergantian atau pemberhentian kepala SKAI.
KOMPOSiSi Per tanggal 31 Desember 2018, SKAI memiliki pegawai sebanyak 13 (tiga belas) orang termasuk Kepala SKAI yang dikelompokkan dalam 4 (empat) Divisi, yang disesuaikan dengan struktur organisasi dan kebutuhan kerja fungsi audit internal.
OJK will immediately be informed about each appointment, replacement or dismissal of the SKAI head.
comPositionAs of December 31, 2017, the Internal Audit Unit had 13 (thirteen) employees including the Head of the Internal Audit Unit grouped in 4 (four) Divisions, which were adjusted to the organizational structure and work requirements of the internal audit function.
auditor auditor auditor auditor
Internal auDItgroup heaD
operations audit Div. head It audit Div. head Quality assurance Div.
headCredit audit Div. head
KuALiFiKASi ATAu SErTiFiKASi PrOFESi AudiT inTErnAL Seiring dengan perkembangan bisnis Bank MNC yang pesat, menuntut tersedianya Sumber Daya Manusia/Auditor yang handal yang memiliki pengetahuan, keterampilan, dan kompetensi yang dibutuhkan dalam melaksanakan tanggung jawabnya. Dalam upaya untuk meningkatkan kompetensi auditor secara berkesinambungan, setiap auditor SKAI diwajibkan untuk mengikuti pelatihan internal maupun eksternal yang relevan dengan peran dan tanggung jawabnya. Untuk menunjang pelaksanaan audit, auditor SKAI juga direkomendasikan untuk mempunyai minimal 1 jenis sertifikasi profesi baik lokal maupun internasional.
Berikut adalah jenis sertifikasi yang dimiliki SKAI per 31 Desember 2018:
QUAlificAtion or ProfessionAl certificAtion of internAl AUDitThe growing business of the Bank will increasingly demand the availability of competent, reliable, knowledgeable, skillful and competent human resources to carry out their responsibilities. In an effort to create an increase in auditor competency continuously, each SKAI auditor must participate in internal and external training relevant to their roles and responsibilities. To support the implementation of the audit, SKAI auditors are also recommended to have at least 1 type of professional certification both locally and internationally.
Following are the types of certifications SKAI has as of December 31, 2018:
309Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Jenis SertifikasiCertification Type
JumlahTotal
Certified Risk Management Professional (CRMP)Certified Risk Management Professional (CRMP) 1
Credit Skill Assessment Certification (CSAC)Credit Skill Assessment Certification (CSAC) 1
Qualified Internal Audit (QIA)Qualified Internal Audit (QIA) 1
Certified Security Analyze (CSA)Certified Security Analyze (CSA) 1
Certified Security and Information Audit (CISA)Certified Security and Information Audit (CISA) 1
Cobit 5 FoundationCobit 5 Foundation 1
CISCO Certified Network Associate (CCNA)CISCO Certified Network Associate (CCNA) 1
Sertifikasi Manajemen Risiko Level 1Level 1 Risk Management Certification 12
Sertifikasi Manajemen Risiko Level 2Level 2 Risk Management Certification 12
Sertifikasi Manajemen Risiko Level 3Level 3 Risk Management Certification 6
Sertifikasi Manajemen Risiko Level 4Level 4 Risk Management Certification 1
Berikut adalah daftar pendidikan/pelatihan yang diikuti sepanjang tahun 2018:
The following is a list of education/training that is followed throughout 2018:
No Jenis TrainingType of Training
1. PSAK 71PSAK 71
2. Refreshment BSMR Level 2Refreshment BSMR Level 2
3. Refreshment BSMR Level 3Refreshment BSMR Level 3
4. Pembekalan dan ujian BMSR Level 3Debriefing and Examination of Level 3 BMSR
5. Seminar Teknologi Informasi “Striking Technology Efficiency for Business Growth”Information and Technology Seminar “Striking Technology Efficiency for Business Growth”
6. Effective Leadership FeedbackEffective Leadership Feedback
7. Pelatihan Pelaporan Transaksi Keuangan Bagi Managerial PerbankanFinancial Transaction Reporting Training for Banking Managers
8. Role of Internal Audit in Detecting and Preventing FraudRole of Internal Audit in Detecting and Preventing Fraud
9. Internal Auditor Masa Depan : “Trusted Advisor”Future Internal Auditors: “Trusted Advisor”
310 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
TugAS dAn TAnggung jAwAB inTErnAL AudiT gruP
Berdasarkan Piagam Audit Internal, tugas dan tanggung jawab Internal Audit Grup adalah sebagai berikut:1. Menyusun dan melaksanakan rencana audit internal
tahunan. 2. Menguji dan mengevaluasi pelaksanaan pengendalian
internal, sistem manajemen risiko dan tata kelola sesuai dengan kebijakan Bank.
3. Membuat analisis dan penilaian bidang Keuangan, Akuntansi, Operasional, Sumber Daya Manusia, Pemasaran, Teknologi Informasi dan kegiatan lainnya melalui pemeriksaan langsung dan pengawasan tidak langsung melalui aktivitas assurance dan konsultasi.
4. Mengidentifikasi segala kemungkinan untuk memperbaiki dan meningkatkan efisiensi penggunaan sumber daya.
5. Memberikan saran perbaikan dan informasi yang objektif tentang kegiatan yang diperiksa pada semua tingkatan manajemen.
6. Memberikan penilaian atas kualitas proses pengendalian internal, manajemen risiko dan tata kelola Bank untuk meyakinkan bahwa hal tersebut telah dilakukan secara memadai dan efektif di seluruh unit kerja Bank.
7. Melaksanakan audit di semua unit kerja Bank secara independen, objektif dan professional.
8. Membuat Laporan Hasil Audit (LHA) dan menyampaikan laporan tersebut kepada Presiden Direktur dan Dewan Komisaris dengan tembusan kepada Direktur Kepatuhan.
9. Memantau, menganalisis dan melaporkan pelaksanaan tindak lanjut perbaikan yang telah disarankan.
10. Menjalin kerja sama dengan Komite Audit. 11. Menyusun program untuk mengevaluasi mutu kegiatan
audit internal yang dilakukannya. 12. Melakukan audit khusus apabila diperlukan
LAPOrAn AKTiViTAS AudiT inTErnAL gruP Di tahun 2018, SKAI telah melakukan 26 penugasan audit baik reguler maupun adhoc, dengan fokus penilaian pada kecukupan dan efektifitas sistem pengendalian internal, manajemen risiko, dan tata kelola, serta kepatuhan terhadap peraturan yang ada. Penugasan tersebut meliputi audit pada Kantor Cabang, Unit Kerja Kantor Pusat, Teknologi Sistem Informasi, Aktivitas Perkreditan, serta beberapa penugasan khusus.
Sehubungan dengan POJK no.17/POJK.03/2014 tentang Penerapan Manajemen Risiko Terintegrasi bagi Konglomerasi Keuangan dan POJK no.18/POJK.03/2014 tentang Penerapan Tata Kelola Terintegrasi, maka Bank MNC Internasional telah ditunjuk sebagai Entitas Utama dalam Struktur Konglomerasi Keuangan MNC Group, sehingga secara otomatis Audit Internal Bank MNC Internasional menjadi Satuan Kerja Audit Internal (SKAI) terintegrasi yang melakukan koordinasi dengan SKAI pada Lembaga Jasa Keuangan lainnya di lingkungan MNC Group.
DUties AnD resPonsiBilities of GroUP’s internAl AUDit Based on the Internal Audit Charter, the Group’s duties and responsibilities are as follows:1. Develop and implement an annual internal audit plan.
2. Test and evaluate the implementation of internal controls, risk management systems and governance in accordance with Bank policies.
3. Make analysis and assessment in the fields of Finance, Accounting, Operations, Human Resources, Marketing, Information Technology and other activities through direct inspection and indirect supervision through assurance and consulting activities.
4. Identify all possibilities to improve and improve the efficiency of resource use.
5. Provide suggestions for improvements and objective information about the activities examined at all levels of management.
6. Provide an assessment of the quality of the internal control process, risk management and governance of the Bank to ensure that this has been done adequately and effectively in all Bank work units.
7. Carry out audits in all Bank work units independently, objectively and professionally.
8. Make an Audit Report (LHA) and submit the report to the President Director and the Board of Commissioners with a copy to the Compliance Director.
9. Monitor, analyze and report on the implementation of suggested improvements.
10. Establish cooperation with the Audit Committee.11. Develop a program to evaluate the quality of the
internal audit activities that it does.12. Conduct a special audit if needed
GroUP internAl AUDit ActiVity rePortIn 2018, SKAI conducted xx audit assignments that focus on assessing the adequacy and effectiveness of the internal control system, risk management and governance and compliance with existing regulations. The assignment included audits at Branch Offices, Head Office Work Units, Information System Technology and Credit Activities.
Related to POJK No.17/POJK.03/2014 concerning Application of Integrated Risk Management for Financial Conglomerates and POJK No.18/POJK.03/2014 concerning the Implementation of Integrated Governance, the MNC Bank is established as the Main Entity in the MNC Group Financial Conglomerate Structure, so that the Internal Audit MNC Bank becomes an integrated Internal Audit Unit (SKAI) which coordinates with the Internal Audit Unit at the Institution Other Financial Services in the MNC Group.
311Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
FOKuS dAn rEnCAnA AudiT 2019Rencana Audit Tahun 2019 akan tetap difokuskan pada penilaian kecukupan dan efektifitas sistem pengendalian internal, manajemen risiko, dan tata kelola, serta kepatuhan terhadap peraturan yang ada. Pemeriksaan SKAI akan dilakukan pada aktivitas yang berisiko tinggi berdasarkan hasil , yang meliputi aktivitas di Kantor Cabang, Unit Kerja Kantor Pusat (Bisnis dan Fungsi Pendukung), Aktivitas Perkreditan dan Teknologi Sistem Informasi.
AUDit focUs AnD PlAn 2018Rencana Audit Tahun 2019 akan tetap difokuskan pada penilaian kecukupan dan efektifitas sistem pengendalian internal, manajemen risiko, dan tata kelola, serta kepatuhan terhadap peraturan yang ada. Pemeriksaan SKAI akan dilakukan pada aktivitas yang berisiko tinggi berdasarkan hasil assessment, yang meliputi aktivitas di Kantor Cabang, Unit Kerja Kantor Pusat (Bisnis dan Fungsi Pendukung), Aktivitas Perkreditan dan Teknologi Sistem Informasi.
PrOSEdur PEnunjuKAn AKunTAn PuBLiK
Penunjukan Akuntan Publik Perseroan dilaksanakan melalui keputusan Rapat Umum Pemegang Saham atas rekomendasi dari Komite Audit MNC Bank.
Pada tahun 2018, Akuntan Publik MNC Bank adalah Kantor Akuntan Publik Kanaka Puradiredja, Suhartono (anggota Nexia International).
ProceDUre for APPlicAtion of PUBlic AccoUntAntsThe appointment of the Company’s Public Accountant is carried out through a decision of the General Meeting of Shareholders on the recommendation of the MNC Bank Audit Committee.
In 2018, the MNC Bank Public Accountant is the Satrio Bing Eny & Partners Public Accountant Office (member of Deloitte Touche Tohmatsu Limited) appointed by the Annual General Meeting of Shareholders on May 31, 2018.
akuntanpuBlIkPublic Accountant
Akuntan Publik yang Melakukan Audit MNC Bank Untuk 5 Tahun Terakhirpublic Accountants Who conduct Mnc Bank Audits for the Last 5 years
Tahun AuditAudit Year
Nama Akuntan PublikPublic Accountant Name
Kantor Akuntan PublikPublic Accounting Firms
Biaya Jasa AuditAudit Fees
2018 Kanaka Puradiredja Suhartono Rp237juta
2017 Riniek Winarsih Satrio Bing Enny & Rekan Rp999 juta
2016 Merliyana Syamsul Satrio Bing Enny & Rekan Rp783 juta
2015 Bing Harianto Osman Bing Satrio & Eny Rp675 juta
2014 Bing Harianto Osman Bing Satrio & Eny Rp594 juta
312 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
fungsI kepatuhankepatuhanComplience Function
MNC Bank melaksanakan Fungsi Kepatuhan dengan berpedoman pada POJK No.46/POJK.03/2017 tanggal 12 Juli 2017 tentang Pelaksanaan Fungsi Kepatuhan Bank Umum.
Dalam rangka melaksanakan Fungsi Kepatuhan, MNC Bank telah menunjuk salah satu anggota Direksi sebagai Direktur yang membawahkan fungsi kepatuhan (Direktur Kepatuhan). Untuk membantu pelaksanaan tugas Direktur Kepatuhan tersebut, telah dibentuk Satuan Kerja Kepatuhan. Satuan Kerja Kepatuhan bertanggung jawab langsung kepada Direktur Kepatuhan. Satuan Kerja Kepatuhan bersifat independen, yaitu dibentuk secara tersendiri dan bebas dari pengaruh satuan kerja lainnya, serta mempunyai akses langsung pada Direktur Kepatuhan.
Tingkat kepatuhan Bank terhadap ketentuan perundang-undangan secara terus menerus ditingkatkan dari waktu ke waktu, baik melalui pengkinian dan peningkatan kualitas kebijakan dan prosedur operasional Bank sesuai ketentuan perundang-undangan dan disesuaikan dengan karateristik dan model bisnis Bank, serta melalui pemantauan pelaksanaan setiap kebijakan dan prosedur yang berlaku oleh setiap satuan kerja Bank.
Pelaksanaan Kepatuhan MNC Bank sepanjang tahun 2018 dipaparkan dalam Laporan Kepatuhan yang dibuat secara berkala setiap semesteran dan dilaporkan kepada Otoritas Jasa Keuangan dengan mengacu kepada ketentuan yang berlaku.
Laporan Kepatuhan mencakup penilaian atas komponen sebagai berikut:
In implementing the Compliance Function, MNC Bank is guided by POJK No.46/POJK.03/2017 dated July 12, 2017 concerning Implementation of Compliance Function of Commercial Banks.
One member of the Board of Directors is appointed by the MNC Bank as the Director in charge of the compliance function (Compliance Director). The Compliance Unit is formed to assist in carrying out the duties of the Compliance Director. The Compliance Unit has direct responsibility to the Compliance Director. The Compliance Unit is independent, in other words formed separately and free from the influence of other work units and has direct access to the Compliance Director.
The Bank strives to improve the level of compliance with statutory provisions continuously from time to time, both through the rejuvenation and improvement of the quality of the Bank’s operational policies and procedures in accordance with statutory provisions and in line with the characteristics and business model of the Bank and through monitoring the implementation of each policy and procedure valid by each Bank work unit.
The Compliance Report describes the 2017 MNC Bank Compliance Implementation that is made periodically every semester. The implementation is then reported to the Financial Services Authority by referring to the applicable provisions.
The Compliance Report includes an assessment of the following components:
Komponen Laporan KepatuhanCompliance Report Components
Januari – Juni 2018January – June 2018
Juli – Desember 2018July – December 2018
Pemantauan Kepatuhan terhadap Rasio Keuangan Utama
Compliance Monitoring on Main FinancialRatios
Capital Adequacy Ratio (CAR)Berada diatas ketentuan minimal yang dipersyaratkan oleh OJK, yaitu paling rendah 10% sampai dengan < 11% dari ATMR untuk Bank dengan profil risiko peringkat 3 (tiga).
Capital Adequacy Ratio (CAR)Above minimum stipulation of OJK, which is the lowest of 10% up to < 11% from MNC Bank’s RWA for risk profile of level 3 (three).
Rasio NonPerforming Loan (NPL)Rasio NPL netto MNC Bank selalu berada dalam batas yang diperkenankan yaitu maksimal 5% dari Total Kredit.
Rasio NonPerforming Loan (NPL)The net NPL ratio of MNC Bank is always within the allowed limit at maximum of 5% of Total Loans
Rasio Giro Wajib Minimum (GWM) Rupiah dan Valas1. GWM Primer di atas batas minimum ketentuan Bank
Indonesia yang berlaku, yaitu sebesar 6,71% (30 Juni 2018).
2. GWM Sekunder dalam Rupiah selalu berada di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 9,20%. GWM Valas selama periode Januari – Juni 2018 selalu berada di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 8%.
Rasio Giro Wajib Minimum (GWM) Rupiah dan Valas1. GWM Primer di atas batas minimum ketentuan Bank
Indonesia yang berlaku, yaitu sebesar 6,61% (periode 31 Desember 2018).
2. GWM Sekunder dalam Rupiah selalu berada di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 8,44%. GWM Valas selama periode Juli–Desember 2018 selalu berada di atas batas minimum ketentuan Bank Indonesia yang berlaku, yaitu sebesar 8%.
313Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Komponen Laporan KepatuhanCompliance Report Components
Januari – Juni 2018January – June 2018
Juli – Desember 2018July – December 2018
Mandatory Minimum Clearing Ratio (MCR) of Rupiah and Forex1. Primary Statutory Reserves above the minimun
threshold based on prevailing rules ofBank Indonesia at 6,56% (30 June 2017).
2. Secondary Statutory Reserves in Rupiah remain above the minimum threshold based on rules of Bank Indonesia at 14,89%. Forex Statutory Reservesfrom period of January-June 2016 always remain above the minimum threshold based on prevailing rules of Bank Indonesia at 8%.
Mandatory Minimum Clearing Ratio (MCR) of Rupiah and Forex1. Primary Statutory Reserves above the minimun
threshold based on prevailing rules of Bank Indonesia at 6,86% (31 December 2017).
2. Secondary Statutory Reserves in Rupiah remain above the minimum threshold based on rules of Bank Indonesia at 14,85 %. Forex Statutory Reservesfrom period of January-June 2016 always remain above the minimum threshold based on prevailing rules of from Bank Indonesia at 8%.
Rasio Posisi Devisa Netto (PDN)Selalu berada dalam batas yang diperkenankan oleh Bank Indonesia, yaitu maksimal 20% dari Modal Bank.
Foreign Exchange RatioRemained within the limits allowed by Bank Indonesia, a maximum of 20% of Capital Bank
Loan to Funding Ratio (LFR)Selalu berada dalam kisaran batas atas dan batas bawah yang diperkenankan oleh Bank Indonesia, yaitu 80%-82%.
Loan to Funding Ratio (LFR)Smaller LFR from the minimum threshold of LFR target as stipulated by Bank Indonesia, hence MNC Bank shall establish GWM LFR in Rupiah at the amount of calculation between parameters.
Pemantauan Kepatuhan terhadap Rancangan Kebijakan, Prosedur, Produkdan/atau Aktivitas Bank
Compliance Monitoring of draft of Policy, Procedure, Product and/or Bank Activities
Terdapat kajian terhadap 49 rancangan kebijakan serta produk dan/atau aktivitas MNC Bank.
Review on 49 drafts of policies as well as product and/or MNC Bank activities
Terdapat kajian terhadap 37 rancangan kebijakan serta produk dan/atau aktivitas Bank.
Review on 37 drafts of policies as well as product and/or MNC Bank activities
Pemantauan Kepatuhan terhadap Proses Penyediaan Dana
Compliance Monitoring on provision of fund process
Berdasarkan kajian terhadap dokumen kredit dengan plafond di atas Rp25 Miliar:1. Sebagai dampak dari penurunan modal Bank pada
akhir tahun 2017, terdapat pelanggaran BMPK yang disebabkan adanya penambahan ekposur fasilitas kredit kepada debitur yang sebelumnya telah mengalami pelampauan Batas Maksimum Pemberian Kredit.
2. Tidak ditemukan pemberian kredit untuk tujuan pengadaan dan/atau pengolahan tanah kepada pengembang;
3. Tidak ditemukan pemberian kredit kepada Pihak Asing.
Based on review performed by SKK towards 52 credit proposals with threshold above Rp25 Billion:1. No credit was providedwith total amount more than
the Maximum Lending Limit.2. No credit was providedfor the purpose of procuring
and/or processing of land to developers;3. No credit was providedto Foreign Parties.
Berdasarkan kajian terhadap dokumen kredit dengan plafond di atas Rp25 Miliar: 1. Sebagai dampak dari penurunan modal Bank pada
31 Oktober 2018, terdapat pelampauan BMPK terhadap salah satu Debitur Bank. Di samping itu berdasarkan temuan OJK pada 2018, terdapat pemberian kredit terhadap debitur Multifinance Bank.
2. Tidak ditemukan pemberian kredit untuk tujuan pengadaan dan/atau pengolahan tanah kepada pengembang;
3. Tidak ditemukan pemberian kredit kepada Pihak Asing.
Based on review performed by SKK towards 52 credit proposal with threshold above Rp25 Billion: 1. As a result of the decrease in Bank capital, there is a
provision of credit that exceeds and/or violates the provisions of the Legal Lending Limit.
2. No credit was given for the purpose of procuring and/or processing of land to developers;
3. No credit was given to Foreign Parties.
Pemantauan Kepatuhan Lainnya
Other Compliance Monitoring
Melakukan pemantauan atas:1. Biaya Pendidikan dan Pelatihan Tenaga Kerja.2. Sertifikasi Manajemen Risiko.3. Sertifikasi Tresuri
Monitoring on:1. Tuition Fee and Human Resources Training2. Risk Management Certification3. Treasury Certification
314 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Komponen Laporan KepatuhanCompliance Report Components
Januari – Juni 2018January – June 2018
Juli – Desember 2018July – December 2018
Langkah - Langkah untuk Meningkatkan Budaya KepatuhanActions to develop Compliance Culture
Sosialisasi atas 23 peraturan dari Regulator yang baru diterbitkan melalui media email blast (Compliance News) dan melakukan aktivitas kepatuhan lain antara lain: 1. Sosialisasi ketentuan PBI no.19/8/PBI/2017 dan PADG
no.19/10/PADG/2017 mengenai Gerbang Pembayaran Nasional.
2. Sosialisasi ketentuan Dirjen Pajak no.PER-04/PJ/2018 terkait Pelaporan CRS dan Pelaporan untuk Kepentingan Perpajakan.
3. Sosialisasi ketentuan POJK no. 2/POJK.03/2018 tentang Penetapan Bank Sistemik dan Capital Surcharge.
4. Sosialisasi ketentuan PBI no. 20/4/PBI/2018 tentang Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas Makroprudensial bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah.
5. Sosialisasi ketentuan PBI no.20/3/PBI/2018 tentang Giro Wajib Minimum (GWM) Dalam Rupiah dan Valuta Asing Bagi Bank Umum Konvensional (BUK), Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS).
6. Melakukan langkah-langkah untuk memitigasi terjadinya keterlambatan pelaporan kepada Regulator elalui Compliance Report Monitoring.
7. Memastikan bahwa surat-surat pembinaan dari OJK /BI ditindaklanjuti dengan benar dan tepat waktu.
Sosialisasi atas 36 peraturan Regulator yang baru diterbitkan melalui media email blast (Compliance News) dan melakukan aktivitas kepatuhan lain yaitu:1. Sosialisasi ketentuan POJK no.16/POJK.03/2018
tentang Perubahan atas POJK no.44/POJK.03/2017 tentang Pembatasan Pemberian Kredit atau Pembiayaan oleh Bank Umum Untuk Pengadaan dan/atau Pengolahan Tanah.
2. Sosialisasi ketentuan PADG No 20/31/PADG/2018 tentang Perubahan atas PADG No 20/11/PADG/2018 tanggal 31 Mei 2018 tentang RIM dan PLM bagi Bank Umum Konvensional, BUS, dan UUS.
3. Sosialisasi ketentuan POJK no. 18/POJK.07/2018 tentang Layanan Pengaduan Konsumen di Sektor Jasa Keuangan dan SEOJK No. 17/SEOJK.07/2018 tentang Pedoman Pelaksanaan Layanan Pengaduan Konsumen di Sektor Jasa Keuangan.
4. Sosialisasi ketentuan PADG No. 20/30/PADG/2018 tentang Perubahan atas PADG No 20/6/PADG/2018 tentang Perubahan atas PADG Nomor 20/10/PADG/2018 tentang Giro Wajib Minimum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah.
5. Melakukan langkah-langkah untuk memitigasi terjadinya keterlambatan pelaporan kepada Regulator melalui Compliance Report Monitoring.
6. Memastikan bahwa surat-surat pembinaan dari OJK /BI ditindaklanjuti dengan benar dan tepat waktu.
Dissemination of 23 regulations from the new regulator published through email blast media (Compliance News) and other compliance activities between other:1. Dissemination of PBI provisions no.19 / 8 / PBI / 2017
and PADG no.19 / 10 / PADG / 2017 concerning the GateNational Payment.
2. Dissemination of the provisions of the Director General of Tax no. PER-04 / PJ / 2018 related to CRS Reporting and Reporting for Taxation Interest.
3. Dissemination of the provisions of POJK no. 2 / POJK.03 / 2018 concerning Determination of Systemic Banks and Capital Surcharge.
4. Dissemination of PBI provisions no. 20/4 / PBI / 2018 concerning Macroprudential and Buffer Intermediation Ratios Macroprudential Liquidity for Commercial Banks Conventional, Islamic Commercial Banks, and Business Units Sharia.
5. Dissemination of PBI provisions No. 20/3 / PBI / 2018 concerning Statutory Reserves (GWM) in Rupiah and Foreign Exchange for Conventional Commercial Banks (BUK), Sharia Commercial Bank (BUS) and Sharia Business Unit (UUS).
6. Carrying out steps to mitigate delay in reporting to Regulator through Compliance Report Monitoring.
7. Ensuring that guidance letters from the FSA / BI is followed up correctly and on time.
The socialization of 36 new Regulatory regulations was issued through Compliance News and other compliance activities, namely:1. Dissemination of POJK provisions no.16 / POJK.03
/ 2018 concerning Amendments to POJK no.44 / POJK.03 / 2017 concerning Limitation of Granting Credit or Financing by Commercial Banks for Procurement and / or Processing of Land.
2. Dissemination of the provisions of PADG No 20/31 / PADG / 2018 concerning Amendments to PADG No 20/11 / PADG / 2018 dated 31 May 2018 concerning RIM and PLM for Conventional Commercial Banks, BUS, and UUS.
3. Dissemination of the provisions of POJK no. 18 / POJK.07 / 2018 concerning Consumer Complaint Service in the Financial Services Sector and SEOJK No. 17 / SEOJK.07 / 2018 concerning Guidelines for the Implementation of Consumer Complaint Services in the Financial Services Sector.
4. Dissemination of the provisions of PADG No. 20/30 / PADG / 2018 concerning Amendments to PADG No 20/6 / PADG / 2018 concerning Amendments to PADG Number 20/10 / PADG / 2018 concerning Minimum Statutory Reserves in Rupiah and Foreign Exchange for Conventional Commercial Banks, Islamic Commercial Banks, and Sharia Business Units.
5. Taking leaps to mitigate the delay in reporting to the Regulator through Compliance Report Monitoring.
6. Ensuring that guidance letters from OJK / BI are followed up correctly and on time.
315Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Komponen Laporan KepatuhanCompliance Report Components
Januari – Juni 2018January – June 2018
Juli – Desember 2018July – December 2018
Sanksi Regulator
Regulators’ Sanctions
Selama Semester I/2018 terdapat pembebanan sanksi denda dari regulator sebesar Rp66.500.000,00 yang merupakan kesalahan yang bersifat administratif, human error, dan keterlambatan penyampaian laporan-laporan berkala kepada regulator sesuai peraturan. Perbaikan telah dilakukan oleh Bank.
During Semester I/2017 there is a penalty imposed from the regulator of Rp2.770.000,00 which is an administrative violation due to the existence of human error and has been repaired by the Bank
Selama Semester II/2018 terdapat pembebanan sanksi denda dari regulator sebesar Rp17.200.000,00. yang merupakan kesalahan yang bersifat administratif, human error, dan keterlambatan penyampaian laporan-laporan berkala kepada regulator sesuai peraturan. Perbaikan telah dilakukan oleh Bank.
During Semester II/2017 there is a penalty imposed from the regulator of Rp144.787.955,00. The biggest sanctions stem from administrative errors in the Debtor Information System (SID) reporting process. Improvements have been made by the Bank.
316 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
ManajeMenrISIkoRisk Management
Perkembangan bisnis perbankan terus berkembang sejalan dengan perkembangan kebutuhan nasabah. Dalam menjalankan kegiatan bisnis yang terus berkembang, MNC Bank senantiasa dihadapkan kepada berbagai risiko. Terkait hal tersebut, MNC Bank berupaya menerapkan pengelolaan dan manajemen risiko sesuai dengan ketentuan yang berlaku, serta meminimalisasi potensi risiko yang melekat pada bisnis MNC Bank.
Dalam menerapkan manajemen risiko, MNC Bank berpedoman pada POJK no.18/POJK.03/2016 tentang Penerapan Manajemen Risiko bagi Bank Umum serta dokumen-dokumen dari Basel Committee on Banking Supervision. MNC Bank juga telah melakukan perhitungan kecukupan modal dengan menggunakan pendekatan standar Basel II (Standardized Approach) untuk Risiko Kredit, metode standar (Standard Method) untuk risiko pasar dan pendekatan indikator dasar (Basic Indicator Approach) untuk risiko operasional. Selain itu, MNC Bank juga telah melakukan perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) sesuai dengan tingkat Profil Risiko dengan menerapkan proses perhitungan kecukupan modal secara internal atau disebut Internal Capital Adequacy Assessment Process (ICAAP) sesuai dengan POJK no.34/POJK.03/2016 tanggal 26 September 2016 (perubahan atas POJK no.11/POJK.03/2016).
Saat ini, pengelolaan risiko MNC Bank mencakup seluruh jenis risiko dari semua aktivitas fungsional berdasarkan kebutuhan akan keseimbangan antara pertumbuhan usaha dengan pengelolaan risikonya. Dengan kebijakan manajemen risiko yang berjalan efektif, manajemen risiko menjadi partner stratejik dari unit bisnis yang bertujuan mengoptimalkan pendapatan dan meminimalisir potensi kerugian dari aktivitas operasional MNC Bank.
Untuk menyesuaikan dengan perkembangan usaha sesuai dengan perubahan parameter risikonya, MNC Bank secara terus menerus melakukan evaluasi secara berkala dan mengembangkan serta meningkatkan kerangka sistem pengelolaan risiko perusahaan terpadu dan struktur pengendalian internal yang komprehensif. Hal itu dilakukan agar dapat memberikan informasi secara dini mengenai terdapatnya potensi risiko kepada manajemen, sehingga manajemen dapat mengambil langkah-langkah yang memadai untuk meminimalisasi dampak risiko tersebut.
Kerangka manajemen risiko MNC Bank terpadu tersebut dituangkan dalam kebijakan, prosedur, batas-batas transaksi, kewenangan dan ketentuan lain serta berbagai perangkat manajemen risiko, yang berlaku di seluruh lingkup aktivitas fungsional. Selain itu, MNC Bank juga menerapkan kerangka manajemen risiko terpadu yang merupakan sarana untuk menentukan strategi, organisasi, kebijakan dan pedoman untuk memastikan bahwa semua risiko yang dihadapi Bank dapat dikenali, diukur, diatasi dan dilaporkan dengan baik.
The development of the banking business continues to grow in line with the development of customer needs. In carrying out the growing business activities, MNC Bank always faces a variety of risks. In this regard, MNC Bank seeks to implement the risk management and management in accordance with the applicable regulations, and minimize the potential risks adhering the MNC Bank’s business.
In implementing risk management, MNC Bank refers to the POJK No. 18/POJK.03/2016 on the Implementation of Risk Management for Commercial Banks and the documents from the Basel Committee on Banking Supervision. MNC Bank has also calculated capital adequacy using the Basel II (Standardized Approach) standard approach for Credit Risk, Standard Method for market risk and the Basic Indicator Approach for operational risk. In addition, MNC Bank has also calculated the Minimum Capital Provision Obligation (KPMM) in accordance with the Risk Profile level by implementing an internal capital adequacy assessment process (ICAAP) in accordance with POJK no.34/POJK.03 /2016 dated 26 September 2016 (changes to POJK no.11/POJK.03/2016).
At present, MNC Bank’s risk management covers all types of risks from all functional activities based on the need to balance the business growth with risk management. Through an effective risk management policy, risk management is a strategic partner of a business unit that aims to optimize the revenue and minimize the potential losses resulting from the MNC Bank’s operational activities.
To adapt to the business developments in accordance with the changes in risk parameters, MNC Bank evaluates in regular and continuous manner. The Bank also develops and enhances the integrated corporate risk management system framework and a comprehensive internal control structure. These aim to give the prior information on the potential risks to management so as the management can take adequate steps to minimize the impact of these risks.
The integrated MNC Bank risk management framework is outlined in policies, procedures, transaction boundaries, authorities and other provisions as well as various risk management tools, applicable in the entire scope of functional activities. In addition, MNC Bank also implements an integrated risk management framework aiming to determine the strategies, organizations, policies and guidelines to ensure that all risks faced by the Bank can be recognized, measured, addressed and reported properly.
317Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Dalam mengimplementasikan manajemen risiko, MNC Bank didukung oleh Komite Manajemen Risiko untuk menentukan kebijakan dan membahas permasalahan risiko yang dihadapi MNC Bank secara keseluruhan. Selain komite tersebut, terdapat Komite Pemantau Risiko dan beberapa komite lain yang bertugas untuk mengelola risiko-risiko secara lebih spesifik, yaitu antara lain Komite Kredit dan Komite Manajemen Aset dan Kewajiban (Asset and Liability Management Committee /ALCO).
TugAS dAn TAnggung jAwAB riSK MAnAgEMEnT grOuPDalam melaksanakan pengelolaan manajemen risiko, MNC Bank telah membentuk grup manajemen risiko dengan tugas dan tanggung jawab sebagai berikut: 1. Memberikan masukan kepada Direksi dalam penyusunan
kebijakan, strategi, dan kerangka Manajemen Risiko.
2. Mengembangkan metodologi dan alat untuk identifikasi, pengukuran, pemantauan, dan pengendalian risiko.
3. Mendesain dan menerapkan perangkat yang dibutuhkan dalam penerapan Manajemen Risiko.
4. Memantau implementasi kebijakan, strategi, dan kerangka Manajemen Risiko yang direkomendasikan oleh Komite Manajemen Risiko dan yang telah disetujui oleh Direksi.
5. Memantau posisi/eksposur risiko secara keseluruhan, maupun per risiko termasuk pemantauan kepatuhan terhadap toleransi risiko dan limit yang ditetapkan.
6. Melakukan stress test guna mengetahui dampak dari implementasi kebijakan dan strategi Manajemen Risiko terhadap portofolio atau kinerja MNC Bank secara keseluruhan.
7. Mengkaji usulan aktivitas dan/atau produk baru yang dikembangkan oleh unit bisnis.
In implementing risk management, MNC Bank ges the support from the Risk Management Committee to determine the policies and discuss the risk issues faced by MNC Bank as a whole. In addition to these committees, Risk Monitoring Committees and several other committees are established is to manage risks more specifically which are the Credit Committee and the Asset and Liability Management Committee (ALCO).
DUties AnD resPonsiBilities of risk mAnAGement GroUPIn implementing risk management, MNC Bank has formed a risk management group with the following duties and responsibilities: 1. Provide the input to the Board of Directors in the
preparation of Risk Management policies, strategies and frameworks.
2. Develop the methodologies and tools for risk identification, measurement, monitoring and control.
3. Design and implementing the tools needed in implementing Risk Management.
4. Monitor the implementation of the Risk Management policies, strategies and framework recommended by the Risk Management Committee and which have been approved by the Board of Directors.
5. Monitor the overall risk position/exposure, as well as per risk including monitoring compliance with risk tolerance and set limits.
6. Conduct the stress tests to determine the impact of the implementation of Risk Management policies and strategies on the overall MNC Bank portfolio or performance.
7. Review the proposed activities and/or new products developed by the business unit.
Struktur Organisasi Satuan Kerja Manajemen Risikoorganizational Structure of the risk Management Work unit
rIsk ManageMent group heaD
operational risk Division head
Market & liquidity risk Division head
Credit policy & portfolio Division
head
enterprise & Integrated risk Division head
318 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
8. Memberikan rekomendasi kepada satuan kerja bisnis dan/atau kepada Komite Manajemen Risiko antara lain mengenai besaran atau maksimum eksposur risiko yang dapat dipelihara MNC Bank.
9. Menyusun dan menyampaikan laporan profil risiko kepada Presiden Direktur, Direktur Kepatuhan yang membawahi fungsi Manajemen Risiko, dan Komite Manajemen Risiko secara berkala atau paling kurang secara triwulanan.
10. Melaksanakan kaji ulang secara berkala dengan frekuensi yang disesuaikan dengan kebutuhan MNC Bank, untuk memastikan kecukupan kerangka Manajemen Risiko, keakuratan metodologi penilaian Risiko, dan kecukupan sistem informasi Manajemen Risiko.
PELAKSAnAAn MAnAjEMEn riSiKO Pengelolaan manajemen risiko dilaksanakan oleh Satuan Kerja Manajemen Risiko melalui tata cara pengelolaan yang sistematis, terintegrasi, optimal, dan berkesinambungan. Dalam pelaksanaan tugasnya, satuan kerja ini bertanggung jawab untuk pengembangan dan pengawasan kebijakan manajemen risiko MNC Bank di masing-masing area tertentu dan bertugas melaporkan kegiatan yang telah dilaksanakan kepada Direksi secara berkala.
PrOSES MAnAjEMEn riSiKOProses Manajemen Risiko terdiri dari aktifitas identifikasi, pemantauan, pengukuran dan pengendalian. Identifikasi risiko dilakukan dengan menganalisa seluruh jenis risiko yang mungkin timbul pada seluruh aktifitas fungsional MNC Bank, baik pada transaksi, portofolio, bisnis proses dan infrastruktur, yang dimulai dari sebelum MNC Bank memperkenalkan produk dan/atau aktivitas baru. Setiap faktor risiko yang mungkin muncul dan menghambat proses operasional ataupun manajerial perlu diidentifikasi. Untuk mengawasi penerapan manajemen risiko, dibentuklah Satuan Kerja Manajemen Risiko yang bertanggung jawab kepada Direktur yang membawahi fungsi Manajemen Risiko.
Setiap risiko yang teridentifikasi dipantau besaran eksposur, toleransi, kepatuhan terhadap limit internal, dan konsistensi pelaksanaannya terhadap kebijakan dan prosedur yang ditetapkan. Pemantauan dilakukan oleh unit pelaksana maupun oleh Satuan Kerja Manajemen Risiko yang nantinya akan disajikan dalam laporan berkala kepada Manajemen, sehingga Manajemen memahami potensi kerugian dimasa mendatang, besar kebutuhan modal yang diperlukan untuk menutup potensi kerugian di masa mendatang dibandingkan dengan potensi imbal hasil yang diharapkan.
MNC Bank melakukan pengukuran risiko secara berkala guna memastikan besaran risiko masih berada dalam batasan toleransi yang dapat diterima. Metode pengukuran risiko mengikuti metode pengukuran yang ditetapkan oleh Bank Indonesia ataupun oleh internal MNC Bank. Setelah risiko teridentifikasi, terpantau, dan terukur, maka risiko harus dikendalikan untuk meminimalisir kemungkinan terjadinya risiko tersebut, terutama risiko tertentu yang membahayakan kelangsungan usaha MNC Bank.
8. Provide the recommendation to the business work unit and/or the Risk Management Committee, regarding the amount or maximum risk exposure that the MNC Bank can maintain.
9. Arrange and submitting the risk profile reports to the President Director, Compliance Director who oversees the Risk Management function, and the Risk Management Committee periodically or at least quarterly.
10. Conduct the periodic reviews with frequencies tailored to the MNC Bank needs, to ensure the adequacy of the Risk Management framework, the accuracy of the Risk assessment methodology, and the adequacy of the Risk Management information system.
imPlementAtion of risk mAnAGementThe Risk Management Unit carries out the systematic, integrated, optimal, and sustainable management procedures. In carrying out its duties, this work unit has responsibility for the development and supervision of MNC Bank’s risk management policies in each specific area. The Risk Management also reports the activities to the Board of Directors on a regular basis.
risk mAnAGement ProcessThe Risk Management process consists of the identification, monitoring, measurement and control. Risk identification is analyzing all types of risks that may arise in all functional activities of MNC Bank, both in transactions, portfolios, business processes and infrastructure, which starts from before the MNC Bank introduces new products and/or activities. Every risk factor that might arise and hinder operational or managerial processes needs to be identified. To oversee the implementation of risk management, a Risk Management Unit is responsible to the Director in charge of Risk Management function.
Each identified risk is monitored the amount of exposure, tolerance, compliance with internal limits, and the consistency of its implementation of the specified policies and procedures. Monitoring is carried out by the implementing unit and the Risk Management Unit which will be presented in a periodic report to Management, so that Management understands the potential losses in the future, the large capital requirements needed to cover potential losses in the future compared to the expected potential returns.
MNC Bank regularly measures risk to ensure the risk level is within acceptable tolerance limits. The risk measurement method follows a measurement method set by Bank Indonesia or by an internal MNC Bank. After the risks are identified, monitored and measured, the risks must be controlled to minimize the possibility of such risks, especially certain risks that endanger the continuity of the business of MNC Bank.
319Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Adapun bentuk pengendalian risiko yang dilakukan dapat berupa mitigasi risiko berbentuk agunan kredit, penambahan modal MNC Bank untuk menyerap potensi kerugian, penetapan kebijakan, prosedur, dan pelatihan para karyawan MNC Bank agar memahami tugas dan kewajibannya dalam mengelola risiko.
Infrastruktur MNC Bank untuk mengelola risiko terdiri dari kebijakan, prosedur, pelaporan, kumpulan data, sistem informasi risiko, dan organisasi. MNC Bank mengorganisir tiga lini pertahanan dalam pengendalian risiko. Lini pertama adalah pemilik risiko yaitu Unit Kerja Bisnis yang bertanggung jawab untuk mengidentifikasi risiko sejak awal dan melakukan mitigasi atas risiko yang ada. Lini kedua yaitu Satuan Kerja Manajemen Risiko dan Satuan Kerja Kepatuhan. Lini ketiga adalah Satuan Kerja Audit Internal yang memastikan secara independen bahwa kerangka dan proses manajemen risiko telah berjalan dengan baik.
KEBijAKAn, PrOSEdur dAn PEnETAPAn LiMiT Pelaksanaan pengelolaan risiko MNC Bank mengacu kepada Kebijakan Manajemen Risiko. Untuk bidang yang lebih spesifik MNC Bank memiliki kebijakan dan prosedur pada masing-masing bidang, misalnya di bidang perkreditan, operasional, treasuri, teknologi informasi, dan lain-lain. Seluruh kebijakan dan prosedur yang ada, merupakan bentuk pengelolaan risiko yang melekat pada setiap aktivitas MNC Bank dan dikaji secara berkala. Limit risiko ditetapkan untuk berbagai macam jenis risiko dan disesuaikan dengan tingkat toleransi risiko MNC Bank.
PEngAwASAn AKTiF dEwAn KOMiSAriS dAn dirEKSi
Pemantau Risiko secara khusus mengkaji laporan profil risiko yang disajikan oleh Satuan Kerja Manajemen Risiko. Rapat Komite Pemantau Risiko diadakan setiap bulan dan dihadiri oleh para anggotanya yang berkeahlian dalam manajemen risiko di industri keuangan.
Di tingkat Direksi, manajemen risiko dikoordinasi melalui Komite Manajemen Risiko, Komite Aset dan Liabilitas, Komite Kredit, Komite Tata Kelola Produk, Komite Spesial Aset Manajemen, dan Komite Pengarah Teknologi Informasi.
jEniS-jEniS riSiKO
risiko KreditRisiko Kredit adalah risiko kerugian akibat kegagalan pihak lain dalam memenuhi kewajibannya. Termasuk dalam Risiko Kredit yaitu Risiko Kredit akibat kegagalan debitur, Risiko Kredit akibat terkonsentrasinya penyediaan dana (Risiko Konsentrasi Kredit), Risiko Kredit akibat kegagalan pihak lawan (counterparty credit risk), Risiko Kredit akibat kegagalan settlement (settlement risk), dan Risiko Kredit akibat country risk. Risiko kredit berasal dari berbagai kegiatan usaha MNC Bank, termasuk pemberian kredit, penempatan pada bank lain, pembelian efek, dan aktivitas
The forms of risk control carried out can be in risk mitigation of credit collateral, additional MNC Bank capital to absorb potential losses, stipulation of policies, procedures, and training for MNC Bank employees to understand their duties and obligations in managing risk.
MNC Bank’s infrastructure for managing risk consists of policies, procedures, reporting, data sets, risk information systems, and organizations. MNC Bank organizes three lines of defense in risk control. The first line is the risk owner, nthe Business Unit that is responsible for identifying risks from the start and mitigating the risks. The second line is the Risk Management Unit and the Compliance Unit. The third line is the Internal Audit Unit that ensures that the risk management framework and process are running independently.
Policies, ProceDUres AnD limit DeterminAtionsMNC Bank risk management implementation refers to the Risk Management Policies. For more specific fields MNC Bank has policies and procedures in each field, for example in the fields of credit, operations, treasury, information technology, and others. All existing policies and procedures are a form of risk management inherenting in each MNC Bank activity and are regularly reviewed. Risk limits are set for various types of risks and are adjusted to MNC Bank’s risk tolerance level.
ActiVe sUPerVision of the BoArD of commissioners AnD DirectorsThe Risk Monitor specifically reviews the risk profile reports presented by the Risk Management Unit. Risk Monitoring Committee meetings are held every month and are attended by the professionals in risk management of the financial industry.
At the Board of Directors level, the risk management is coordinated through the Risk Management Committee, Asset and Liability Committee, Credit Committee, Product Governance Committee, Special Asset Management Committee, and Information Technology Steering Committee.
tyPes of risk
credit riskCredit Risk is the type of loss risk due to the failure of other parties to fulfill their obligations. It is included in Credit Risk are Credit Risk due to the failure of the debtor, Credit Risk due to the concentration of the provision of funds (Credit Concentration Risk), Credit Risk due to the failure of counterparty credit, Credit Risk due to settlement failure, and Credit Risk due to country risk Credit risk originates from various MNC Bank business activities, including the provision of credit, placements with other banks, securities purchases, and other trading activities. Credit risk also
320 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
trading lainnya. Risiko kredit juga berasal dari kegiatan settlement dan kliring, serta dari komitmen dan kontinjensi dari pihak lain.
Pengawasan risiko kredit di tangani oleh divisi khusus di bawah manajemen Satuan Kerja Manajemen Risiko, dikerjakan bersama-sama dengan unit bisnis pemberi kredit, unit evaluasi kredit yang mengevaluasi kelayakan pemberian kredit, unit pemulihan kredit yang menangani kredit bermasalah, dan Satuan Kerja Audit Internal.
Risiko kredit dikelola melalui kebijakan kredit yang mengatur seluruh aktivitas kredit, antara lain pengaturan berdasarkan sasaran pasar, jenis kredit, lapangan usaha, wilayah geografis, mata uang, dan jangka waktu. Pengelolaan risiko kredit secara portfolio diatur dalam kebijakan Risk Appetite & Risk Tolerance yang menetapkan alokasi kredit maksimum pada tiap sektor konsentrasi, seperti konsentrasi pada debitur inti, ekonomi tertentu, mata uang asing tertentu, dan sektor-sektor lainnya. Untuk konsentrasi kredit per debitur atau grup debitur MNC Bank menetapkan batasan internal untuk penyediaan dana dengan berpedoman kepada Batas Maksimum Pemberian Kredit (BMPK) yang berlaku.
Pengungkapan Kuantitatif risiko Kredit
Pengungkapan Risiko Kredit dengan Pendekatan StandarKetentuan perihal penggunaan peringkat dalam perhitungan ATMR untuk risiko kredit mengacu kepada SEOJK no.42/SEOJK/2016 tanggal 28 September 2016. Peringkat yang digunakan adalah peringkat terkini yang dikeluarkan oleh lembaga pemeringkat yang diakui oleh Bank Indonesia sesuai ketentuan Bank Indonesia yang mengatur mengenai lembaga pemeringkat dan peringkat yang diakui Bank Indonesia yaitu SEBI no.13/31/DPNP/2011.
Kategori portofolio yang menggunakan peringkat adalah eksposur aset pada laporan posisi keuangan MNC Bank (neraca), antara lain tagihan kepada pemerintah negara lain, tagihan kepada entitas sektor publik, tagihan kepada bank pembangunan multilateral dan lembaga internasional, tagihan kepada bank jangka pendek, tagihan kepada bank jangka panjang dan tagihan kepada korporasi.
Lembaga pemeringkat yang digunakan oleh MNC Bank adalah lembaga pemeringkat yang diakui oleh Bank Indonesia.
Risiko kredit counterparty MNC Bank bersifat bersih tanpa jaminan untuk counterparty yang merupakan pemerintah, bank dan beberapa perusahaan yang kredibel. Untuk counterparty lainnya, mitigasi dikonsolidasi dalam fasilitas kreditnya masing-masing.
Pengungkapan Mitigasi risiko Kredit dengan Menggunakan Pendekatan StandarTeknik mitigasi risiko kredit yang diterapkan oleh MNC Bank adalah teknik mitigasi risiko berupa kecukupan agunan. Agunan yang diterima oleh MNC Bank berupa uang tunai
comes from settlement and clearing activities, as well as from commitments and contingencies from other parties.
Credit risk oversight is handled by a special division under the management of the Risk Management Unit, worked together with the lending business unit, credit evaluation unit that evaluates the feasibility of lending, the credit recovery unit that handles non-performing loans, and the Internal Audit Unit.
Credit risk is managed through a credit policy that regulates all credit activities, including arrangements based on market objectives, type of credit, business field, geographical area, currency, and time period. The management of credit risk in a portfolio is regulated in the Risk Appetite & Risk Tolerance policy which sets the maximum credit allocation in each concentration sector, such as concentration on core debtors, certain economies, certain foreign currencies, and other sectors. For credit concentrations per debtor or debtor group MNC, the Bank sets internal limits for the provision of funds based on the applicable Lending Limit (LLL).
Quantitative Disclosure of credit risk Disclosure of credit risk with a standard ApproachThe provision regarding the use of ratings in the calculation of RWA for credit risk refers to SEOJK No.42/SEOJK/2016 dated 28 September 2016. The rating used is the latest rating issued by a rating agency recognized by Bank Indonesia in accordance with Bank Indonesia regulations governing rating agencies and ratings recognized by Bank Indonesia, which is SEBI no.13/31/DPNP/2011.
The portfolio category that uses ratings is asset exposure in the MNC Bank’s financial position report (balance sheet), including bills to other governments, bills to public sector entities, bills to multilateral development banks and international institutions, short-term bank bills, bills to banks long term and bills to the corporation.
The rating agency used by MNC Bank is a rating agency recognized by Bank Indonesia.
MNC Bank counterparty credit risk is clean without collateral for counterparties which are government, banks and some credible companies. For other counterparties, mitigation is consolidated in their respective credit facilities.
credit risk mitigation Disclosures Using the standard ApproachThe credit risk mitigation techniques applied by MNC Bank are risk mitigation techniques of adequate collateral. The collaterals received by MNC Bank are in cash or can be
321Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
atau yang dapat dipersamakan dengan uang tunai dan memenuhi persyaratan sebagai agunan uang tunai sesuai ketentuan yang berlaku, serta tanah & bangunan, kendaraan bermotor, mesin dan agunan lainnya.
MNC Bank telah memiliki kebijakan dan prosedur terkait penerimaan dan pengelolaan agunan tersebut.
Sejauh ini MNC Bank tidak melakukan teknik mitigasi risiko kredit dengan menggunakan garansi, dan/atau penjaminan atau asuransi kredit, namun melalui teknik mitigasi risiko kredit berupa agunan.
riSiKO PASArRisiko Pasar adalah risiko pada posisi neraca dan rekening administratif termasuk transaksi derivatif, akibat perubahan dan fluktuasi secara keseluruhan dari kondisi pasar. Risiko pasar dapat berasal dari posisi trading book maupun banking book. Portofolio dari trading book terdiri dari semua instrumen keuangan yang dimiliki bank untuk periode jangka pendek dalam rangka memfasilitasi kegiatan perdagangan untuk mendapatkan keuntungan, atau untuk lindung nilai terhadap berbagai jenis risiko. Sedangkan banking book terdiri dari semua portofolio yang bukan bagian dari trading book.
Organisasi Manajemen risiko PasarDalam pelaksanaan pengelolaan risiko pasar, MNC Bank menerapkan prinsip Segregation of Duties front office (Treasury, melaksanakan transaksi trading), middle office (Risk Management, melaksanakan proses manajemen risiko, dan back office (Treasury Operation, melaksanakan proses settlement transaksi).
Mekanisme Pemantauan dan Pengukuran risiko PasarPengelolaan risiko pasar MNC Bank dilakukan melalui penetapan limit-limit, seperti limit counterparty, limit treasury group, limit dealer, dan limit kerugian. Untuk mempermudah proses pemantauan tersebut MNC Bank menggunakan OPICS Treasury System, yang meng-integrasikan front office (Treasury), middle office (Satuan Kerja Manajemen Risiko), dan back office (Treasury Operation).
MNC Bank menggunakan standar model untuk menghitung dan memantau risiko pasar yang meliputi risiko suku bunga dan risiko valuta asing sesuai POJK no.11/POJK.03/2016 tanggal 2 February 2016. Hasil perhitungan risiko pasar yang berdampak terhadap rasio permodalan, dilaporkan kepada Dewan Komisaris, Direksi dan manajemen senior secara berkala dalam rapat Komite Asset & Liabilitas.
Secara periodik RMG mengkaji ulang kebijakan risiko pasar agar sesuai dengan ketentuan perundangan yang berlaku, ketentuan internal, dan strategi bisnis MNC Bank, termasuk peninjauan kembali limit-limit yang diusulkan oleh Treasury Group dan dibahas dalam rapat Komite Asset & Liabilitas, Komite Manajemen Risiko dan Komite Pemantau Risiko. Untuk mengantisipasi bergejolaknya kondisi pasar yang
equated with cash and fulfills the requirements as collateral for cash in accordance with applicable regulations, as well as land & buildings, motorized vehicles, machinery and other collateral.
MNC Bank has policies and procedures related to the receipt and management of the collateral.
By far, the MNC Bank has not carried out credit risk mitigation techniques by using guarantees, and/or guarantees or credit insurance, but through credit risk mitigation techniques of collateral.
mArket riskMarket Risk is the type of risk in balance sheet and administrative account positions including derivative transactions, due to changes and overall fluctuations in market conditions. The market risk can come from trading book and banking book positions. The portfolio of the trading book consists of all financial instruments owned by banks for short-term periods in order to facilitate trading activities to obtain profits, or to hedge against various types of risks. Meanwhile, the banking book consists of all portfolios that are not part of the trading book.
market risk management organizationIn implementing the market risk management, MNC Bank applies the principle of segregation of duties front office (Treasury, carrying out trading transactions), middle office (Risk Management, carrying out risk management processes, and back office (Treasury Operation, carrying out transaction settlement processes).
market risk monitoring and measurement mechanismMNC Bank’s market risk management is carried out through the establishment of limits, such as counterparty limits, treasury group limits, dealer limits and loss limits. To facilitate the monitoring process, MNC Bank uses the OPICS Treasury System, which integrates front office (Treasury), middle office (Risk Management Work Unit), and back office (Treasury Operation).
MNC Bank uses a standard model to calculate and monitor market risk including the interest rate risk and foreign exchange risk in accordance with POJK No. 11/POJK.03/2016 dated 2 February 2016. The results of market risk calculations that have an impact on capital ratios are reported to the Board of Commissioners, Directors and senior management regularly at the Asset & Liability Committee meeting.
The RMG periodically reviews market risk policies in accordance with the applicable laws, internal regulations and MNC Bank’s business strategy, including a review of the limits proposed by the Treasury Group and discussed at the Asset & Liability Committee meeting, the Risk Management Committee and the Risk Monitor Committee. To anticipate volatility in market conditions that can have an impact on
322 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
dapat berdampak pada kecukupan modal Bank, MNC Bank secara rutin maupun ad-hoc melakukan stress test terhadap posisi terbuka sehingga dapat melakukan antisipasi lebih awal.
riSiKO OPErASiOnALRisiko Operasional adalah akibat ketidakcukupan dan/atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan sistem, dan/atau adanya kejadian-kejadian eksternal yang mempengaruhi operasional MNC Bank. Risiko ini melekat dalam semua proses bisnis, kegiatan operasional, sistem dan produk Bank, dari mulai Kantor Pusat sampai Kantor Kas. Kegagalan mengelola risiko operasional dapat menyebabkan kerugian keuangan, keselamatan karyawan dan reputasi MNC Bank.
Tujuan MNC Bank dalam mengelola risiko operasional adalah meminimalisasi dampak kegagalan/ ketidakcukupan proses internal, faktor manusia, sistem atau kejadian-kejadian eksternal yang dapat mempunyai dampak kerugian keuangan dan merusak reputasi MNC Bank.
Organisasi Manajemen risiko OperasionalDalam rangka penerapan manajemen risiko khususnya untuk risiko operasional, Satuan Kerja Manajemen Risiko memiliki divisi khusus yang mengelola risiko operasional melalui kebijakan dan perangkat risiko operasional.
Mekanisme indentifikasi dan Pengukuran risiko OperasionalMekanisme identifikasi risiko operasional yang dilakukan oleh MNC Bank antara lain dilakukan melalui perangkat risiko operasional.
Untuk pengukuran risiko operasional, MNC Bank melakukan dengan memanfaatkan pendekatan Basic Indicator Approach (BIA) untuk menghitung Aset Tertimbang Menurut Risiko (ATMR) Risiko Operasional yang kemudian digunakan dalam pengukuran Kecukupan Pemenuhan Modal Minimum (KPMM).
MEKAniSME unTuK MEMiTigASi riSiKO OPErASiOnALMitigasi risiko operasional dilakukan oleh Pemilik Risiko dan dipantau oleh Lini Kedua dan Ketiga. Hasil pemantauan risiko operasional disampaikan kepada Direksi maupun kepada Risk Taking Unit untuk diupayakan proses mitigasi bagi pengendalian dan perbaikan risiko operasional MNC Bank.
Menyadari SDM adalah aset yang berharga dan merupakan unsur kunci di dalam pengelolaan risiko operasional, MNC Bank telah melakukan rekrutmen tenaga kerja professional dari industri perbankan untuk membawa kontribusi di dalam penyempurnaan proses. MNC Bank juga telah melakukan banyak pelatihan untuk meningkatkan ketrampilan di dalam bekerja.
bank capital adequacy, MNC Bank routinely and ad-hoc conducts stress tests on open positions so that they can anticipate earlier.
oPerAtionAl riskThe operational Risk results from the insufficient and/or non-functioning of internal processes, human errors, system failures, and/or the presence of external events that affect the operations of MNC Bank. This risk is inherent in all business processes, operational activities, systems and products of the Bank, from the Head Office to the Cash Office. The failded attempt to manage operational risk can cause financial losses, employee safety and the reputation of the MNC Bank.
The aim of MNC Bank in managing operational risk is to minimize the impact of failure / insufficiency of internal processes, human factors, systems or external events that can have a financial loss impact and damage the reputation of the MNC Bank.
operational risk management organizationIn implementing the risk management, especially for operational risk, the Risk Management Unit has a special division that manages theoperational risk through policies and operational risk tools.
identification and measurement of operational risk mechanismsThe mechanism for identifying operational risks carried out by MNC Bank is through operational risk tools.
To measure operational risk, MNC Bank uses the Basic Indicator Approach (BIA) approach to calculate Risk Weighted Assets (RWA) for Operational Risk used to measure Minimum Capital Fulfillment Adequacy (KPMM).
mechAnism for mitiGAtinG oPerAtionAl riskThe operational risk mitigation is carried out by the Risk Owner and monitored by the Second and Third Lines. The results of operational risk monitoring are submitted to the Board of Directors as well as to Risk Taking Units for mitigation processes in controlling and improving the operational risk of MNC Bank.
Realizing that HR is a valuable asset and a key element in operational risk management, MNC Bank has recruited professionals from the banking industry to contribute to the process improvement. MNC Bank has also conducted a lot of training to improve skills in work.
323Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
riSiKO LiKuidiTASRisiko Likuiditas adalah akibat ketidakmampuan untuk memenuhi kewajiban yang jatuh tempo dari sumber pendanaan arus kas dan/atau dari aset likuid berkualitas tinggi yang dapat diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan Bank. Tujuan utama Manajemen Risiko untuk Risiko Likuiditas adalah untuk meminimalkan kemungkinan ketidakmampuan Bank dalam memperoleh sumber pendanaan arus kas.
Organisasi Manajemen risiko LikuiditasManajemen risiko likuiditas merupakan hal yang kritikal karena berdampak langsung terhadap keberlangsungan perusahaan, terutama apabila terjadi suatu krisis keuangan atau ekonomi. Untuk itu, MNC Bank berupaya memastikan bahwa kebutuhan pendanaan saat ini maupun masa depan dapat dipenuhi baik pada kondisi normal maupun dalam kondisi stres.
Pemantauan dan perhitungan risiko likuiditas yang dapat berdampak langsung terhadap keberlangsungan usaha MNC Bank dilakukan secara harian, mingguan dan bulanan serta dilaporkan kepada Dewan Komisaris, Direksi dan manajemen senior secara berkala maupun dalam rapat Komite Aset dan Liabilitias.
indikator Peringatan dini Permasalahan LikuiditasPemantauan dan perhitungan risiko likuiditas dilakukan dengan menggunakan indikator risiko likuiditas seperti Giro Wajib Minimum Primer dan Sekunder, Loan to Funding Ratio (LFR), rasio aset lancar terhadap dana pihak ketiga, konsentrasi 50 deposan terbesar serta maturity mismatch, dilaporkan kepada Dewan Komisaris, Direksi dan manajemen senior secara harian, mingguan dan bulanan maupun dalam rapat bulanan ALCO.
Secara berkala MNC Bank melakukan kaji ulang terhadap kebijakan dan limit risiko likuiditas. Untuk mengetahui dampak perubahan pasar maupun faktor internal pada kondisi ekstrim (krisis) terhadap kondisi likuiditas yang dapat berdampak pada kecukupan modal Bank, MNC Bank melakukan stress test terhadap posisi likuiditas Perseroan secara regular. Melalui stress test, MNC Bank dapat mengantisipasi lebih awal dan mengambil langkah-langkah pengendalian dan solusi yang paling optimal sebagai strategi jangka pendek maupun jangka panjang pemulihan likuiditas.
Mekanisme Pengukuran dan Pengendalian risiko LikuiditasUntuk memproyeksikan kondisi likuiditas di masa mendatang, Bank menggunakan alat ukur profil maturitas, yaitu pemetaan posisi aset, kewajiban, dan rekening administratif ke dalam kelompok berdasarkan sisa jangka waktu sampai dengan jatuh tempo, dan/atau berdasarkan asumsi untuk yang tidak memiliki jatuh tempo kontraktual.
liQUiDity riskLiquidity risk results from the inability to meet the maturing obligations from cash flow funding sources and/or high-quality liquid assets that can be pledged, without disrupting the Bank’s activities and financial condition. The main objective of Risk Management for Liquidity Risk is to minimize the possibility of the Bank’s inability to obtain cash flow funding sources.
liquidity risk management organizationLiquidity risk management is critical because it gives a direct impact on the sustainability of the company, especially if financial or economic crisis occurrs.For this reason, MNC Bank seeks to ensure that current and future funding needs can be met both under normal and stressful conditions.
The liquidity risk monitoring and calculation that can give a direct impact on MNC Bank’s business continuity are carried out on a daily, weekly and monthly basis and are reported to the Board of Commissioners, Directors and senior management periodically as well as at the Asset and Liability Committee meetings.
early warning indicators on liquidity ProblemsMonitoring and calculation of liquidity risk is carried out by using liquidity risk indicators such as Primary and Secondary Statutory Reserves, Loan to Funding Ratio (LFR), current assets to third party funds, the concentration of the 50 largest depositors and maturity mismatch, reported to the Board of Commissioners, Directors and senior management on a daily, weekly and monthly basis as well as at ALCO monthly meetings.
Periodically, MNC Bank reviews liquidity risk policies and limits. To find out the impact of market changes and internal factors on extreme conditions (crises) on liquidity conditions that can have an impact on bank capital adequacy, MNC Bank conducts the stress tests on the Company’s liquidity position on a regular basis. Through the stress tests, MNC Bank can anticipate early and take control measures and the most optimal solution as a short-term and long-term recovery strategy for liquidity.
mechanism for measurement and control of liquidity riskTo project the future liquidity condition, the Bank uses a measure of maturity profile, which are mapping the position of assets, liabilities, and administrative accounts into groups based on the remaining period up to maturity, and/or based on assumptions that do not have contractual maturity. The maturity profile aims to ensure the ability of the Bank to
324 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Profil maturitas bertujuan untuk memastikan kemampuan Bank dalam memenuhi kebutuhan likuiditas segera dan mengidentifikasi terjadinya maturity mismatch dalam skala waktu tertentu. Bank menetapkan limit maturity mismatch yang disesuaikan dengan risk appetite dan risk tolerance stakeholder utama.
riSiKO huKuMRisiko hukum adalah risiko akibat tuntutan hukum dan/ atau kelemahan aspek yuridis. Risiko Hukum timbul antara lain karena ketiadaan peraturan perundang-undangan yang mendukung atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak atau pengikatan agunan yang tidak sempurna.
Mekanisme identifikasi dan Pemantauan risiko hukumProses identifikasi risiko hukum dilakukan dengan menganalisis seluruh sumber risiko hukum yang sekurang-kurangnya dilakukan terhadap risiko hukum dari produk dan aktivitas usaha Bank serta risiko hukum dari produk dan aktivitas baru melalui proses pengendalian manajemen risiko hukum yang layak sebelum diperkenalkan atau dijalankan.
Proses identifikasi risiko hukum yang melekat pada Bank dilakukan dengan menggunakan indikator/parameter: 1. Faktor Litigasi. 2. Faktor Kelemahan Perikatan. 3. Faktor Ketiadaan/Perubahan Perundang-undangan.
Hasil pengukuran risiko hukum tercermin dalam Profil Risiko Hukum. Pemantauan risiko hukum dilakukan guna mengevaluasi eksposur risiko hukum yang melekat terutama yang bersifat material atau yang berdampak pada permodalan Bank. Hasil pemantauan yang mencakup evaluasi terhadap eksposur risiko hukum tersebut dilaporkan secara berkala termasuk tindak lanjut yang diperlukan.
riSiKO STrATEgiSRisiko Stratejik adalah risiko akibat ketidaktepatan dalam pengambilan dan/ atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis.
Ketidakmampuan MNC Bank dalam melakukan penyusunan strategi yang tepat dapat menimbulkan kegagalan bisnis MNC Bank di masa yang akan datang. Risiko ini juga mencakup kemampuan MNC Bank dalam mengembangkan daya saing dan menciptakan keunggulan kompetitif MNC Bank di tengah kompetisi perbankan yang semakin ketat.
Organisasi Manajemen risiko StratejikSeluruh satuan kerja unit Bisnis dan unit pendukung membantu Direksi dalam penyusunan RBB dan mengkomunikasikan kepada karyawan MNC Bank disetiap jenjang organisasi, dan juga memastikan praktek Manajemen Risiko Stratejik dan pengendalian di unit bisnis telah konsisten dengan kerangka Manajemen Risiko Stratejik secara keseluruhan.
meet immediate liquidity needs and identify the occurrence of maturity mismatches on certain time scales. The Bank sets a maturity mismatch limit that is adjusted to the risk appetite and risk tolerance of the main stakeholders.
leGAl riskLegal risk is the type of risk due to lawsuits and/or weaknesses in juridical aspects. Legal risk arises due to the absence of legislation that supports or weaknesses in the engagement, such as the failure to fulfill the requirements for the validity of contracts or the binding of collateral that is not perfect.
legal risk identification and monitoring mechanismThe legal risk identification process is carried out by analyzing all sources of legal risk of at least against legal risks of the Bank’s products and business activities and legal risks of new products and activities through a proper legal risk management control process before being introduced or implemented.
The process of identifying legal risks inherent in the Bank is carried out using the indicators/ parameters: 1. Litigation Factor. 2. Engagement Weakness Factors. 3. Factors of Absence / Amendment to Legislation.
The results of the legal risk measurement are reflected in the Legal Risk Profile. Legal risk monitoring is carried out to evaluate the legal risk exposures that are inherent the material legal risk or that give an impact on the Bank’s capital. The results of monitoring which includes an evaluation of legal risk exposures are reported regularly including the necessary follow-up.
strAteGic riskStrategic Risk is type of risk due to inaccuracy in making and/or implementing a strategic decision and failure to anticipate changes in the business environment.
The inability of the MNC Bank to make appropriate strategies can lead to future MNC Bank business failures. This risk also includes the ability of MNC Bank to develop competitiveness and create an MNC Bank competitive advantage in the midst of increasingly tighter banking competition.
strategic risk management organizationAll Business unit work units and supporting units assist the Directors in preparing RBB and communicate to MNC Bank employees at every organizational level, and also ensure that Strategic Risk Management practices and controls in business units are consistent with the overall Strategic Risk Management framework.
325Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
MNC Bank memiliki satuan kerja Business Strategy and Planning Group maupun Branch Management and Service Quality Group yang bertugas dan bertanggung jawab membantu Direksi memantau implementasi strategi yang ditetapkan termasuk melalui realisasi target-target yang ditetapkan oleh Senior Management Bank dalam rangka pengembangan perusahaan secara berkelanjutan.
Risiko stratejik juga berhubungan dengan perencanaan strategi yang baik untuk menghindari terjadinya kerugian atau dampak negatif lainnya dari adanya kesalahan dalam pengambilan keputusan yang berdampak luas dan jangka panjang dalam organisasi.
MNC Bank secara berkelanjutan memantau kondisi pasar dan mengumpulkan informasi penting sebagai bahan pertimbangan dalam pengambilan keputusan dan penetapan kebijakan strategi MNC Bank. Seiring dengan pemantauan kondisi pasar tersebut, MNC Bank memiliki beragam portofolio produk yang variatif agar rencana stratejik yang ditetapkan dapat tercapai.
Di satu sisi, MNC Bank memiliki proses mengidentifikasi dan merespon atas perubahan lingkungan bisnis eksternal maupun internal terhadap tahapan proses manajemen risiko stratejik dengan: 1. Analisa lingkungan bisnis; Menganalisa faktor internal
dan ekternal, menangkap peluang dan tantangan dari perubahan lingkungan bisnis serta menganalisa kelebihan internal dan kekurangannya.
2. Perencanaan; Menyusun sasaran yang ingin dicapai disesuaikan dengan kompleksitas bisnis, profil risiko maupun risk bearing capacity, serta Direksi menetapkan strategi dan kebijakan untuk dijadikan dasar keputusan.
3. Implementasi; Mengalokasikan sumber daya yang
dibutuhkan baik yang bersifat finansial maupun sumber daya manusia, menyelesaikan program kerja, dan komitmen Direksi untuk mengalokasikan sumber daya yang dibutuhkan.
4. Evaluasi; Evaluasi terhadap kondisi aktual dengan apa yang telah direncanakan, dan melakukan corrective action untuk perbaikan.
Mekanisme untuk mengukur kemajuan yangdicapai dari rencana stratejik yang ditetapkan dilakukan secara berkala terhadap pencapaian atas target yang ditetapkan yang dipantau dan dilaporkan melalui satuan kerja Business Strategy and Planning Group, dan Branch Management and Service Quality Group, dan Management Reporting kepada manajemen MNC Bank.
Secara triwulanan MNC Bank melakukan analisa risiko stratejik dengan menggunakan indikator atau parameter berupa tingkat kompleksitas strategi bisnis Bank, posisi bisnis MNC Bank di industri perbankan, pencapaian rencana bisnis, dan kesesuaian strategi dengan kondisi lingkungan bisnis.
MNC Bank has a Business Strategy and Planning Group work unit and a Branch Management and Service Quality Group whose duty and responsibility is to assist the Board of Directors in monitoring the implementation of the determined strategy including through the realization of targets set by the Bank’s Senior Management in order to develop the company in a sustainable manner.
Strategic risk is also related to good strategic planning to avoid the occurrence of losses or other negative impacts from errors in decision making that give a broad and long-term impact on the organization.
MNC Bank continuously monitors the market conditions and gathers the main information for consideration in decision making and MNC Bank strategy policy setting. Along with monitoring the market condition, MNC Bank has a variety of varied product portfolios so as the strategic plan can be achieved.
On the one hand, MNC Bank has a process of identifying and responding to changes in the external and internal business environment towards the stages of the strategic risk management process by: 1. Analysis of the business environment; Analyzing internal
and external factors, taking the opportunities and challenges from changes in the business environment and analyzing the internal strengths and weaknesses.
2. Planning; Arranging the goals to be achieved is adjusted to the complexity of the business, risk profile and risk bearing capacity, and the Board of Directors sets out strategies and policies to be used as the basis for decisions.
3. Implementation; Allocating the needed resources both financial and human resources, completing the work programs, and committing the Directors to allocate needed resources.
4. Evaluation; Evaluating the actual condition with what has been planned, and do corrective actions for improvement.
The mechanism to measure the progress achieved from the determined strategic plan is carried out periodically towards the achievement of the targets set which are monitored and reported through the Business Strategy and Planning Group work unit, and the Branch Management and Service Quality Group, and Management Reporting to MNC Bank management.
On a quarterly basis, MNC Bank conducts the strategic risk analysis using indicators or parameters in the form of complexity of the Bank’s business strategy, MNC Bank’s business position in the banking industry, achievement of business plans, and suitability of strategies with business environment conditions.
326 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
riSiKO KEPATuhAnRisiko Kepatuhan adalah risiko akibat tidak mematuhi dan/atau tidak melaksanakan peraturan perundang-undangan dan ketentuan yang berlaku.
Sumber dari Risiko Kepatuhan antara lain timbul karena kurangnya pemahaman atau kesadaran hukum terhadap ketentuan maupun standar bisnis yang berlaku umum.
Kegagalan dalam mengelola Risiko Kepatuhan dapat menyebabkan MNC Bank terkena sanksi dan denda dari regulator atau penurunan reputasi.
Organisasi Manajemen risiko KepatuhanUntuk mendukung penerapan manajemen Risiko Kepatuhan, Direksi terus berupaya untuk menumbuhkan dan mewujudkan terlaksananya Budaya Kepatuhan pada semua tingkatan organisasi serta memastikan efektivitas Fungsi Kepatuhan MNC Bank. Dewan Komisaris juga aktif melakukan pengawasan terhadap Fungsi Kepatuhan dan memberikan saran-saran terhadap peningkatan kualitas pelaksanaan fungsi kepatuhan.
Dalam rangka melaksanakan Fungsi Kepatuhan, Direktur Kepatuhan dibantu oleh 2 unit yaitu: Compliance Monitoring and Advisory, dan Anti Money Laundering and Fraud Management.
unit Compliance Monitoring & AdvisoryUpaya yang dilakukan MNC Bank terkait dalam strategi dan efektivitas penerapan risiko kepatuhan agar terciptanya budaya kepatuhan pada seluruh kegiatan usaha MNC Bank antara lain: 1. Mewujudkan terlaksananya budaya kepatuhan pada semua
tingkatan organisasi dan kegiatan usaha MNC Bank.
2. Melakukan identifikasi, pengukuran, pemantauan, dan pengendalian terhadap Risiko Kepatuhan dengan mengacu pada peraturan perundangan yang berlaku
3. Menilai dan mengevaluasi efektivitas, kecukupan, dan kesesuaian kebijakan, ketentuan, sistem maupun prosedur yang dimiliki oleh Bank dengan peraturan perundangan yang berlaku, melakukan pemeriksaan atas aktivitas Bank dalam rangka memastikan pemenuhan aspek kepatuhan sesuai dengan kebijakan, prosedur, dan ketentuan yang berlaku.
4. Memastikan kepatuhan MNC Bank terhadap komitmen yang dibuat oleh Bank kepada otoritas pengawas yang berwenang, dan
5. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi Kepatuhan, serta berperan sebagai penghubung antara Bank dengan OJK dan BI.
unit Anti-Money Laundering and Fraud ManagementUpaya yang dilakukan MNC Bank terkait dalam strategi dan efektivitas penerapan prinsip Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU PPT) serta pengelolaan terhadap risiko terjadinya Fraud antara lain:
comPliAnce riskCompliance Risk is the type of risk due to not complying with and/or not implementing the laws and regulations and applicable regulations.
Sources of Compliance Risk arises due to a lack of understanding or legal awareness of generally accepted provisions and business standards.
The failure to manage Compliance Risk can cause MNC Banks to be subject to sanctions and fines from regulators or decrease reputation.
compliance risk management organizationTo support the implementation of Compliance Risk management, the Directors continually strive to foster and realize the implementation of the Compliance Culture at all levels of the organization and ensure the effectiveness of the MNC Bank Compliance Function. The Board of Commissioners also actively supervises the Compliance Function and provides suggestions for improving the quality of implementation of the compliance function.
In order to carry out the Compliance Function, the Compliance Director is assisted by 2 units, which are: Compliance Monitoring and Advisory, and Anti Money Laundering and Fraud Management.
compliance monitoring & Advisory UnitThe attempts made by MNC Bank are related to the strategy and effectiveness of implementing compliance risk so as the creation of a compliance culture for all MNC Bank business activities includes: 1. Realizing the implementation of a culture of compliance at
all levels of the organization and business activities of MNC Bank.
2. Identifying, measuring, monitoring and controlling the Compliance Risk by referring to the applicable laws and regulations
3. Assessing and evaluating the effectiveness, adequacy and suitability of policies, regulations, systems and procedures that are owned by the Bank with the applicable laws and regulations, conducting an examination of the Bank’s activities in order to ensure compliance with the compliance aspects in accordance with applicable policies, procedures and conditions.
4. Ensuring MNC Bank compliance with commitments made by the Bank to the authorized supervisory authority, and
5. Performing other duties related to the Compliance
Function, and act as a liaison between the Bank and OJK and BI.
Anti-money laundering and fraud management UnitThe attempts carried out by MNC Bank related to the strategy and effectiveness of the application of the principles of Anti Money Laundering and Prevention of Terrorism Funding (APU PPT) and management of the risk of fraud include:
327Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
1. AML bertanggung jawab untuk melakukan pemantauan transaksi nasabah, memberikan rekomendasi untuk pelaporan transaksi keuangan mencurigakan kepada Direktur Kepatuhan, memelihara daftar watch list dan negative list MNC Bank untuk keperluan pemeriksaan pembukaan rekening dan pemantauan profil nasabah, memberikan advis kepada unit kerja terkait mengenai proses penilaian tuntas nasabah, menyampaikan pelaporan yang diwajibkan peraturan perundangan dan memberikan tanggapan terkait permintaan data oleh PPATK, KPK, dan atau otoritas lain yang berwenang
2. AML juga bertanggung jawab untuk mengkoordinasikan dan mengawasi kepatuhan dan pelaksanaan terhadap Kebijakan dan Prosedur Anti Pencucian Uang – Pencegahan Pendanaan Terorisme (APU PPT) untuk memastikan kepatuhan Bank terhadap Undang-Undang dan Peraturan APU- PPT yang berlaku, membantu Unit Bisnis dalam pengawasan dan pengembangan tindakan korektif untuk masalah APU yang telah diidentifikasi melalui audit internal, program pengendalian, dan pemeriksaan regulator, serta mengembangkan dan menyampaikan Program Pelatihan APU-PPT secara berkala kepada karyawan Bank.
3. Fraud Management bertanggung jawab untuk memberikan saran mengenai manajemen risiko fraud kepada Direksi, membantu unit kerja lainnya dalam membuat prosedur, proses dan kontrol minimum untuk memitigasi risiko adanya kecurangan (fraud), membuat pelatihan dan sosialisasi program kesadaran atas risiko fraud untuk para karyawan, serta memastikan pelaporan terkait dengan fraud dilaksanakan sesuai dengan ketentuan yang berlaku.
Mekanisme Pemantauan dan Pengendalian risiko KepatuhanMekanisme pemantauan dan pengendalian risiko kepatuhan yang dilakukan oleh satuan kerja Kepatuhan adalah dengan: 1. Melakukan pemantauan terhadap peraturan baru yang
diterbitkan serta melakukan sosialisasi melalui media sosialisasi e-mail blast atau compliance news.
2. Meninjau dan/atau merekomendasikan pengkinian dan penyempurnaan kebijakan, ketentuan, sistem yang dimiliki MNC Bank agar sesuai dengan ketentuan dan peraturan perundang-undangan yang berlaku.
3. Membuat Checklist Pemenuhan Ketentuan yang berisi daftar ketentuan yang berlaku untuk digunakan sebagai media kontrol risiko kepatuhan oleh Risk Taking Unit.
4. Berperan aktif dalam forum rapat Komite Manajemen Risiko dan Komite Pemantau Risiko bersama sama dengan satuan kerja Manajemen Risiko, satuan kerja operasional dan satuan kerja Audit Internal sebagai upaya mitigasi risiko, termasuk risiko kepatuhan MNC Bank.
5. Memberikan pelatihan pelaksanaan fungsi kepatuhan MNC Bank dan ketentuan Bank Indonesia dan/atau OJK kepada para karyawan untuk meningkatkan compliance awareness dan budaya kepatuhan di lingkungan kerja.
1. AML is responsible for monitoring customer transactions, providing recommendations for reporting suspicious financial transactions to the Compliance Director, maintaining a list of watch lists and MNC Bank’s negative list for checking account opening and monitoring customer profiles, providing advice to relevant work units regarding the customer’s due diligence process , submit mandatory reporting regulations and provide responses regarding data requests by the PPATK, KPK, and/or other competent authorities
2. AML is also responsible for coordinating and overseeing compliance and implementation of Anti Money Laundering - Prevention of Terrorism Funding (APU PPT) Policies and Procedures to ensure the Bank’s compliance with the APU-PPT Acts and Regulations that apply, assisting Business Units in monitoring and developing actions corrective for APU problems that have been identified through internal audits, control programs, and regulator checks, as well as developing and delivering APU-PPT Training Programs on a regular basis to Bank employees.
3. Fraud Management is responsible for providing advice on fraud risk management to the Board of Directors, assisting other work units in making procedures, processes and minimum controls to mitigate the risk of fraud, training and disseminating fraud risk awareness programs for employees, and ensuring reporting related to fraud is carried out in accordance with applicable regulations.
compliance risk monitoring and control mechanism
The compliance risk monitoring and control mechanism carried out by the Compliance work unit are by: 1. Monitoring the new regulations issued and conduct
socialization through media socialization of e-mail blasts or compliance news.
2. Reviewing and/or recommending updating and refinement of policies, provisions, systems owned by the MNC Bank to comply with applicable laws and regulations.
3. Making a Provision Fulfillment Checklist that lists the
applicable provisions to be used as a medium for risk control compliance by Risk Taking Units.
4. Taking an active role in the Risk Management Committee meeting forums and Risk Monitoring Committee together with the Risk Management work unit, operational work units and Internal Audit work units as risk mitigation efforts, including MNC Bank compliance risks.
5. Providing the training in the implementation of the MNC Bank compliance function and Bank Indonesia and/or OJK provisions to employees to increase compliance awareness and a culture of compliance in the work environment.
328 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
6. Dalam rangka penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme (APU & PPT), Bank memberikan pelatihan APU & PPT terhadap seluruh karyawan secara berkesinambungan.
Dalam hal pengelolaan risiko kepatuhan, satuan kerja Kepatuhan menyampaikan eksposur risiko kepatuhan kepada Direksi. Di dalam penyampaian eksposur risiko kepatuhan, turut melibatkan Lini Kedua sesuai skema Tiga Lini Pertahanan.
riSiKO rEPuTASiRisiko reputasi adalah risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari persepsi negatif terhadap MNC Bank. Risiko ini melekat dalam setiap kegiatan yang dilakukan oleh MNC Bank. Kegagalan MNC Bank dalam menjaga reputasinya di mata masyarakat dapat menimbulkan pandangan maupun persepsi negatif masyarakat terhadap MNC Bank.
Organisasi Manajemen risiko reputasiPelaksanaan manajemen risiko reputasi dilakukan oleh unit-unit terkait (Corporate Secretary, Sevice Quality, dan unit bisnis terkait).
Setiap bulan secara berkala Corporate Secretary melaporkan hasil evaluasi manajemen risiko reputasi melalui Laporan Profil Risiko Bank kepada unit satuan kerja Manajemen Risiko yang kemudian dilaporkan kepada Komite Manajemen Risiko, serta kepada Komite Pemantau Risiko.
Selain pelaksanaan tugas oleh Corporate Secretary dan Service Quality, untuk mendukung pengelolaan risiko reputasi, MNC Bank telah membentuk dan memiliki Call Center dan website sebagai media penyampaian informasi dan penanganan keluhan nasabah untuk kemudian ditindaklanjuti oleh unit-unit kerja terkait penyelesaiannya.
Pengelolaan risiko reputasi Pada Saat KrisisDalam hal pengelolaan risiko reputasi saat krisis, MNC Bank memiliki prosedur Business Continuity Plan (BCP) yang disusun berdasarkan POJK no.38/POJK.03/2016. Dalam organisasi BCP, Corporate Secretary memegang peranan sebagai koordinator kehumasan yang memiliki tugas yaitu memantau informasi terkait masalah yang timbul, menginformasikan kepada badan regulasi dan melakukan komunikasi dengan media dan masyarakat untuk mengelola risiko reputasi saat krisis.
Evaluasi Pelaksanaan Sistem Manajemen risiko
Fungsi pengawasan dan evaluasi manajemen risiko dilaksanakan melalui adanya berbagai komite terkait risiko dan unit kerja Audit Internal. Sebagai pelaksana pengendalian intern dan risk assurance, Audit Internal akan
6. In the framework of implementing the Anti Money Laundering and Prevention of Terrorism Funding (APU & PPT) Program, the Bank provides continuous APU & PPT training to all employees.
In the compliance risk management, the Compliance work unit submits compliance risk exposure to the Board of Directors. In submitting compliance risk exposures, it also involves the Second Line according to the Three Line of Defense scheme.
rePUtAtion riskReputational risk is a type of risk due to a decrease in stakeholder confidence that comes from the negative perceptions of MNC Bank. This risk is inherent in every activity carried out by the MNC Bank. MNC Bank’s failure to maintain its reputation in the eyes of the public can lead to negative views and perceptions of the community towards MNC Bank.
reputation risk management organizationThe implementation of reputation risk management is carried out by related units (Corporate Secretary, Sevice Quality, and related business units).
Monthly, the Corporate Secretary reports the results of evaluation of reputation risk management through the Bank’s Risk Profile Report to the Risk Management work unit which is reported to the Risk Management Committee and the Risk Monitoring Committee.
In addition to the implementation of tasks by the Corporate Secretary and Service Quality, to support reputation risk management, MNC Bank has established and has a Call Center and website as a medium for delivering information and handling customer complaints to be followed up by work units related to its resolution.
management of reputation risk at crisisIn managing the reputation risk during a crisis, MNC Bank has a Business Continuity Plan (BCP) procedure which is prepared based on POJK No.38/POJK.03/2016. In the BCP organization, the Corporate Secretary plays a role as a public relations coordinator in monitoring information related to issues that arise, informing regulatory bodies and communicating with the media and the public to manage reputation risk during crises.
evaluation of the implementation of the risk management systemThe function of monitoring and evaluating risk management is carried out through the existence of various risk-related committees and Internal Audit work units. As an executor of internal control and risk assurance, Internal Audit will actively
329Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
secara aktif melakukan evaluasi dan rekomendasi terhadap kualitas dan proses tata kelola risiko pada MNC Bank secara keseluruhan. Disamping evaluasi secara internal, evaluasi manajemen risiko secara independen juga diperoleh dari audit eksternal maupun pihak-pihak eksternal lainnya untuk terus meningkatkan kualitas tata kelola risiko.
Output dari penerapan sistem informasi manajemen risiko salah satunya adalah sistem perhitungan ATMR Kredit yang sudah efektif dipergunakan oleh Bank sejak Januari 2013. Output lainnya adalah laporan profil risiko yang disusun oleh MNC Bank dengan berdasarkan peraturan OJK yang dilaporkan oleh Satuan Kerja Manajemen Risiko setiap bulan kepada Komite Pemantau Risiko. Laporan ini meliputi laporan pengelolaan risiko antara lain risiko kredit, risiko pasar, risiko operasional, risiko likuiditas, risiko hukum, risiko stratejik, risiko kepatuhan, dan risiko reputasi. Laporan profil risiko tersebut mencakup parameter, indikator dan formula yang digunakan dalam menilai tingkat risiko dan sistem pengendalian risiko yang dilakukan oleh MNC Bank.
Kecukupan Proses identifikasi, Pengukuran, Pemantauan dan Pengendalian risikoProses identifikasi adalah langkah pertama yang dilakukan guna pengukuran, pemantauan dan pengendalian risiko. Identifikasi risiko bersifat proaktif dengan cakupan pada semua lini bisnis MNC Bank yang bermula dari lini pertama sampai dengan lini ketiga. Pengukuran eksposur risiko dilakukan sesuai dengan tipe bisnis, karakteristik yang mencakup seluruh kegiatan usaha dan kompleksitasnya.
Pemantauan dan pengendalian risiko didukung oleh sistem informasi manajemen risiko dan laporan berkala kepada Direksi, Komite pemantau Risko dan Komite Manajemen Risiko yang merupakan bagian dari penerapan sistem informasi manajemen yang efektif.
evaluates and recommends to the quality and processes of risk management at MNC Bank as a whole. In addition to the internal evaluation, it is also obtained from external audits and other external parties to continue improving the quality of risk governance.
One of the outputs in implementing risk management information systems is the Credit RWA calculation system that has been effectively used by the Bank since January 2013. Another output is the risk profile report prepared by MNC Bank based on OJK regulations reported monthly by the Risk Management Work Unit to the Committee Risk Monitor. This report includes risk management reports including credit risk, market risk, operational risk, liquidity risk, legal risk, strategic risk, compliance risk and reputation risk. The risk profile report includes parameters, indicators and formulas used in assessing the level of risk and risk control systems carried out by MNC Bank.
Adequacy of risk identification, measurement, monitoring and control ProcessesThe identification process is the first step taken to measure, monitor and control risk. Risk identification is done proactively scoping on all MNC Bank business lines starting from the first line to the third line. Measurement of risk exposure is carried out in accordance with the type of business, characteristics that cover all business activities and their complexity.
Risk monitoring and controlling are supported by a risk management information system and periodic reports to the Board of Directors, Risk monitoring committee and Risk Management Committee as part of the implementation of an effective management information system.
330 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Sistem pengendalian internal yang efektif merupakan bagian tidak terpisahkan dari penerapan GCG MNC Bank untuk melindungi seluruh kepentingan para pemangku kepentingan, terutama nasabah dan pemegang saham.
Melalui pelaksanaan pengendalian internal yang efektif, kepercayaan nasabah dan nilai perusahaan dapat tumbuh bersama dan terjaga pada tingkat yang optimal.
MNC Bank senantiasa melakukan upaya-upaya untuk mengelola dan mengendalikan risiko melalui fungsi pengendalian internal, dimana rencana pelaksanaan serta kajian dan evaluasinya dilaksanakan secara terintegrasi oleh seluruh elemen MNC Bank. Oleh karenanya, sistem pengendalian internal merupakan proses yang secara bersama-sama dan berkesinambungan dilaksanakan oleh:1. Direksi dan seluruh Pejabat MNC Bank, yang memberikan
arah, petunjuk dan pengawasan2. Komite Eksekutif3. Audit Internal4. Seluruh karyawan.
Aktivitas sistem pengendalian internal yang telah dijalankan mencakup tindakan-tindakan yang dilakukan dalam suatu proses pengendalian aktifitas finansial dan operasional MNC Bank pada setiap tingkatan dalam struktur organisasi. Untuk itu MNC Bank akan selalu mengembangkan ketentuan dan pelaksanaannya, kewenangan, otorisasi, verifikasi, rekonsiliasi, penilaian prestasi kerja, pembagian tugas serta upaya pengamanan aset MNC Bank.
Direksi bertanggung jawab untuk menerapkan sistem pengendalian internal yang baik untuk mencapai tujuan MNC Bank, sedangkan Dewan Komisaris dengan dibantu Komite Audit, bertanggung jawab untuk melakukan pengawasan atas terselenggaranya pengendalian internal secara umum, termasuk kebijakan Direksi yang menetapkan pengendalian internal tersebut. Kedua dewan ini adalah penanggung jawab tertinggi terlaksananya pengendalian internal di MNC Bank.
Sementara itu, Audit Internal bertanggung jawab untuk mengevaluasi, meninjau, menganalisa dan menilai penerapan pengendalian internal pada seluruh kegiatan dalam MNC Bank dan memberikan rekomendasi perbaikan dan peningkatan pengendalian yang diperlukan. Dalam menjalankan tugasnya, Audit Internal melaporkan seluruh kegiatannya kepada Presiden Direktur dan Dewan Komisaris melalui Komite Audit.
Guna melaksanakan fungsinya secara efektif, Audit Internal bekerjasama dengan seluruh unit kerja di dalam MNC Bank dalam melakukan penilaian, analisa, dan pemetaan risiko Bank. Selanjutnya, hasil-hasil kajian yang diperoleh diatas digunakan oleh Audit Internal sebagai dasar untuk merencanakan dan melaksanakan audit berbasis risiko.
Sistem pengendalian internal dirancang dengan tujuan untuk melakukan evaluasi, memantau, mengelola risiko yang mungkin dapat menyebabkan tujuan MNC Bank tidak
An effective internal control system is very closely related to the implementation of MNC Bank Governance to protect the interests of all stakeholders, especially customers and shareholders.
Customer trust and company value can grow together and be maintained at optimal levels through the implementation of effective internal controls.
MNC Bank always strives to manage and control risk through the internal control function, where the implementation plan and its review and evaluation are carried out in an integrated manner by all MNC Bank elements. Therefore, the internal control system is a process that is jointly and continuously carried out by:
1. Directors and all MNC Bank Officials, who provide direction, guidance and supervision
2. Executive Committee3. Internal Audit4. All employees
The activities of the internal control system that have been carried out include actions taken in a process of controlling MNC Bank’s financial and operational activities at every level in the organizational structure. For this reason, MNC Bank will always develop its provisions and implementation, competence, authorization, verification, reconciliation, work performance assessment, division of tasks and efforts to secure MNC Bank assets.
The Board of Directors has responsibility to apply a good internal control system to achieve the objectives of the MNC Bank, while the Board of Commissioners, with the assistance of the Audit Committee, is responsible for overseeing the implementation of general internal controls, including the Board of Directors’ policies which stipulate internal controls. The lead of this council carries the highest responsibility for the implementation of internal control at the MNC Bank.
Meanwhile, Internal Audit is given the task in evaluating, reviewing, analyzing and evaluating the implementation of internal controls in all activities in the MNC Bank and providing recommendations for improvementsin the controls required. In carrying out its duties, Internal Audit reports all of its activities to President Director and the Board of Commissioners through Audit Committee.
In order to carry out its functions effectively, Internal Audit collaborates with all work units within the MNC Bank in assessing, analyzing, and mapping the Bank’s risk. Furthermore, the results of the studies obtained above are used by Internal Audit as a basis for planning and implementing risk-based audits.
The internal control system is designed with the aim of evaluating, monitoring, managing risks which might cause the MNC Bank’s objectives not to be achieved and not
sIsteM pengenDalIanInternalInternal Control System
331Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
tercapai, dan bukan untuk menghilangkan risiko tersebut. Dengan demikian, sistem pengendalian internal hanya dapat memberikan keyakinan yang memadai dan tidak menjamin secara mutlak terhadap adanya salah saji yang material atau kerugian, atau terjadinya kondisi yang tidak terduga.
KESESuAiAn SiSTEM PEngEndALiAn inTErnAL dEngAn STAndAr inTErnASiOnAL Dalam pelaksanaan Sistem Pengendalian Internal, MNC Bank mengadopsi pendekatan kerangka pengendalian intern yang disusun oleh Committee of Sponsoring Organizations of Treadway Commission (COSO) dengan tujuan memberikan keyakinan yang memadai mengenai pencapaian tujuan organisasi.
PELAKSAnAAn SiSTEM PEngEndALiAn inTErnAL 2017 Beberapa prinsip pengendalian internal yang telah dijalankan oleh MNC Bank sejak tahun 2017 mencakup:
LingKungAn PEngEndALiAnDireksi berkomitmen melaksanakan kegiatan pengendalian operasional MNC Bank dengan menyusun struktur organisasi, menetapkan wewenang dan tanggung jawab, memberikan pelatihan dan pengembangan SDM dan secara rutin mengkomunikasikan misi, visi MNC Bank, seluruh strategi dan ukuran-ukuran penilaian keberhasilan sehingga seluruh organisasi harus memastikan bahwa pelaksana tugas memiliki integritas, kecukupan pengetahuan dan keahlian sesuai dengan tugas dan tanggung jawab.
PEniLAiAn riSiKOSeluruh risiko yang dihadapi dalam rangka merealisasikan misi dan visi MNC Bank, diidentifikasi, dinilai, dipantau dan dikendalikan secara terus menerus, serta secara berkala dievaluasi dan direspon dengan pengendalian internal yang memadai sehingga kondisikondisi yang tidak diharapkan bisa diminimalisasi.
KEgiATAn PEngEndALiAn & PEMiSAhAn TugASMerupakan aktivitas untuk meminimalisasi risiko baik dengan melakukan pemisahan tugas dan tanggung jawab, dual control, maupun pelaksanaan checklist (harian, mingguan, bulanan & tahunan) yang dilakukan untuk memastikan bahwa pelaksanaan pengendalian internal telah berjalan sesuai ketentuan yang berlaku.
MNC Bank telah membuat Management Control System (MCA) yang dapat digunakan sebagai alat oleh masing-masing Unit kerja untuk mengukur tingkat risiko yang dihadapi, sehingga potensi risiko yang mungkin muncul dapat diidentifikasi dan dikelola dengan baik. Pelaksanaan MCA dilakukan secara berkala dan hasilnya dikirimkan ke Risk Management Group untuk digabung secara nasional.
to eliminate these risks. Thus, the internal control system can only provide adequate confidence and cannot provide absolute guarantees for material misstatements or losses, or the occurrence of unexpected conditions.
conformity of the internAl control system with internAtionAl stAnDArDsIn implementing the Internal Control System, MNC Bank adopts an internal control framework approach prepared by the Committee of Sponsoring Organizations of Treadway Commission (COSO) with the aim of providing adequate confidence in achieving organizational goals.
imPlementAtion of 2017 internAl controllinG systemSome internal controlling systems that has been conducted by MNC Bank since 2017 are as follows:
control enVironmentThe Board of Directors is committed to carrying out MNC Bank’s operational control activities by arranging the organizational structure, establishing authority and responsibility, providing training and HR development and regularly communicating the mission, MNC Bank’s vision, all strategies and measures of success assessment so that the entire organization must ensure that have integrity, adequacy of knowledge and expertise in accordance with their duties and responsibilities.
risk AssessmentAll risks faced in order to realize MNC Bank’s mission and vision, are identified, assessed, monitored and controlled continuously, and are regularly evaluated and responded to with adequate internal controls so that conditions that are not expected can be minimized.
tAsk control & sePArAtion ActiVitiesIt is an activity to minimize risks both by separating duties and responsibilities, dual control, as well as implementing checklists (daily, weekly, monthly & annual) that are carried out to ensure that the implementation of internal controls has been carried out in accordance with applicable regulations.
MNC Bank has created a Management Control System (MCA) that can be used as a tool by each work unit to measure the level of risk faced, so that potential risks that may arise can be identified and managed properly. The MCA implementation is carried out regularly and the results are sent to the Risk Management Group to be merged nationally.
332 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
inFOrMASi & KOMuniKASiSaat ini MNC Bank sudah menyediakan media elektronik untuk meng-update perubahan kebijakan internal maupun eksternal. Mengacu pada hal tersebut, seluruh karyawan diharapkan dapat memahami dan tanggap akan tugas dan tanggung jawab yang mengacu pada ketentuan yang berlaku dan perubahan yang terjadi. Selain itu, masing-masing Risk Owner juga melaksanakan penilaian secara mandiri atas Risk level yang dihadapi.
PEMAnTAuAnDireksi, Pejabat eksekutif dan Audit Internal melakukan pemantauan secara terus menerus terhadap efektivitas keseluruhan pelaksanaan pengendalian intern.
Audit Internal sebagai pihak yang independen secara obyektif melakukan monitoring atas kecukupan dan pelaksanaan pengendalian internal berdasarkan rencana kerja tahunan. Hasil pemeriksaan dilaporkan kepada Presiden Direktur dan Dewan Komisaris melalui Komite Audit dengan tembusan Direktur Kepatuhan, Direktur dan departemen terkait yang menjadi objek pemeriksaan.
Setiap bulan dalam Rapat Komite Audit, Audit Internal juga melaporkan temuan-temuan yang signifikan dan hasil investigasi, termasuk progress tindak lanjut atas temuan hasil audit. Atas laporan Audit Internal kepada Komite Audit, selanjutnya Komite Audit melaporkan secara reguler kepada Dewan Komisaris.
EVALuASi PEngEndALiAn inTErnALPernyataan pengendalian internal menggambarkan elemen-elemen utama yang digunakan untuk mencapai tujuan pengendalian internal, yang meliputi:• Kegiatan-kegiatan operasional yang dijalankan secara
efektif & efisien;• laporan keuangan yang akurat dan dapat diandalkan;• Kepatuhan terhadap Undang-undang, peraturan, dan
kebijakan yang berlaku; dan• Pengamanan aset MNC Bank.
informAtion & commUnicAtionCurrently the MNC Bank has provided electronic media to update internal and external policy changes. Referring to this, all employees are expected to understand and be responsive to the duties and responsibilities that refer to the applicable provisions and changes that occur. In addition, each Risk Owner also carries out an independent assessment of the Risk level faced.
monitorinGThe Board of Directors, Executive Officers and Internal Audit carries out monitoring continuously on effectivity of all internal controlling implementation.
Internal Audit as an independent party, objectively carries out monitoring on the adequacy and implementation of internal controlling based on annual work plan. The results of the inspection are reported to the President Director and the Board of Commissioners through the Audit Committee with copies of the Compliance Director, the Director and the relevant departments that are the object of the examination.
Every month, in the Audit Committee Meeting, Internal Audit also reports significant findings and results of investigations, including progress on follow-up on audit findings. On the Internal Audit report to the Audit Committee, the Audit Committee then reports regularly to the Board of Commissioners.
internAl control eVAlUAtion Statement of the internal controlling depicts main elements used to achieve the purpose of internal controlling that includes: • Operational activities that is run effectively & Efficiently;
• Accurate and reliable financial report;• Compliance on applicable laws, regulations and policies;
and• Securing MNC Bank’s assets.
333Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Selama tahun 2018 jumlah permasalahan hukum yang dihadapi MNC Bank dan telah diajukan melalui proses hukum adalah sebagaimana tercantum dalam tabel berikut:
Adapun perkara yang sudah inkracht atau selesai di tahun 2018 total sebanyak 21 perkara, yaitu sebesar 16 perkara perdata dan 5 perkara pidana.
Permasalahan hukum yang umumnya dihadapi oleh Bank sebagian besar adalah perkara yang berkaitan dengan kredit macet, baik dari debitur, pemilik jaminan maupun kreditur lain.
Upaya penyelesaian permasalahan hukum oleh Bank adalah dengan melakukan penanganan perkara secara maksimal, baik yang dilakukan secara internal maupun melalui konsultan hukum.
SAnKSiPada tahun 2018 tidak terdapat perkara yang memiliki sanksi yang berdampak secara material terhadap Bank.
PEngungKAPAn PEnyiMPAngAn inTErnAL & EKSTErnALSelama periode tahun 2018 terdapat 12 (dua belas) pengaduan yang diterima oleh Komite Penyelesaian
During 2018, the number of legal problems was faced by MNC Bank and has been submitted through a legal process as stated in the following table:
As for cases that have been inkracht or completed in 2018 a total of 21 cases, amounting to 16 civil cases and 5 criminal cases.
Legal problems commonly faced by Most banks are cases related to bad credit, both from debtors, collateral owners and other creditors.
Efforts to resolve legal issues by the Bank is to carry out maximum case handling, both internally and through legal consultants.
sAnctionsIn 2018 there were no cases that had sanctions that had a material impact on the Bank.
DisclosUre of internAl AnD eXternAl DeViAtion
Throughout 2018, there were 12 (twelve) complaints received by the Complaint Settlement Committee both from
perkara pentIng yang DIhaDapIperSeroanCOMPANY LEGAL CASES
Tingkat Level
Jumlah Total
Pengadilan NegeriDistrict Court 16
BandingAppeal 11
KasasiCassation 6
Peninjauan KembaliJudicial Review 2
TOTAL 35
Tingkat Level
Jumlah Total
Penyelidikan Initial Investigation 6
Penyidikan Investigation 7
Pengadilan Trial 1
TOTAL 14
Perdatacivil Law
Pidanacriminal Law
334 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pemegang saham dan pemangku kepentingan diberikan keleluasaan dalam mengakses atau memperoleh data dan/atau Informasi material Perseroan melalui laporan tahunan, laporan keuangan maupun dokumen publik lainnya yang dikeluarkan Perseroan yang tersedia di:Kantor PusatGedung MNC Financial Center, Lantai 6,7,8. Jl. Kebon Sirih Raya No 27, Jakarta Pusat 10340Fax : +6221 3983 6700Telex. : 65068 [email protected]
Media SosialFacebook : http://www.facebook.com/mncbankTwitter : @MNCbankInstagram : officialmncbankYoutube : officialmncbankCall Center : 1500188
Shareholders and stakeholders are given the freedom to access or obtain data and / or material information of the Company through annual reports, financial reports and other public documents issued by the Company available at:
head officeMNC Financial Center, Floor 6,7,8. Jl. Kebon Sirih Raya No 27, Jakarta Pusat 10340 Fax : +6221 3983 6700 Telex. : 65068 JKTBPIA [email protected]
social media Facebook : http://www.facebook.com/mncbank Twitter : @MNCbank Instagram : officialmncbank Youtube : officialmncbank Call Center : 1500188
akses InforMasI Dandata peruSahaanInformation Access and Company Data
Pengaduan baik yang berasal dari internal maupun eksternal. Pengaduan-pengaduan tersebut telah selesai ditindaklanjuti oleh divisi terkait.
SAnKSi AdMiniSTrATiFSelama Semester I/2018 terdapat pembebanan sanksi denda dari regulator sebesar Rp66.500.000,00. Sanksi denda terbesar bersumber dari keterlambatan penyampaian Rencana Tindak atas Pelanggaran BMPK yaitu sebesar Rp40.000.000,-
Selama Semester II/2018 terdapat pembebanan sanksi denda dari regulator sebesar Rp17.200.000,00. Sanksi denda terbesar bersumber dari tidak menyampaikan Laporan Tahunan Entitas Induk Bank-PT. MNC Kapital Indonesia Tbk tahun 2017 selama 20 Hari kerja yaitu sebesar Rp10.000.000,-.
internal and external. These complaints have been followed up by the relevant division.
ADministrAtiVe sAnctionDuring Semester I/2018 there was imposition of sanctions from regulators of Rp66,500,000.00. The biggest penalty was the result from the delay in submitting the Action Plan for Violation of the BMPK, which amounted to Rp40,000,000.
During Semester II/2018 there was an imposition of sanctions from the regulator with total of Rp17,200,000.00. The biggest penalty was the result from not submitting the Bank’s Annual Entity-PT. MNC Kapital Indonesia Tbk in 2017 for 20 working days, namely Rp10,000,000.
335Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
POKOK-POKOK KOdE ETiK Dalam menjalankan kegiatan usahanya, MNC Bank memiliki Kode Etik dalam bentuk Standar Etik sebagai wujud komitemen MNC Bank terhadap integritas dan profesionalisme bekerja.
Hal-hal yang menyangkut pertentangan kepentingan diatur dalam Standar Etik MNC Bank:1. Hubungan dengan nasabah, calon nasabah dan/ atau
rekanan. 2. Pemberian dan penerimaan bingkisan dari nasabah, calon
nasabah dan/atau rekanan. 3. Pengadaan perlengkapan dan peralatan MNC Bank. 4. Hubungan keluarga. 5. Penggunaan fasilitas-fasilitas nasabah, calon nasabah
dan/atau rekanan maupun Bank. 6. Entertainment. 7. Melakukan kegiatan sebagai pengajar, pembicara,
penceramah di luar MNC Bank, terkecuali telah memperoleh ijin sebelumnya oleh manajemen.
8. Penyuapan. 9. Rahasia jabatan. 10. Rahasia Perusahaan. 11. Tidak melakukan perbuatan tercela.
Standar Kode Etik dan kebijakan pertentangan kepentingan MNC Bank dijadikan pedoman internal MNC Bank yang berisikan sistem nilai, etika bisnis, etika kerja, komitmen serta penegakan terhadap peraturan-peraturan MNC Bank bagi karyawan dalam menjalankan bisnis dan aktivitas lainnya serta dalam berinteraksi dengan para pemangku kepentingan.
KEBErLAKuAn KOdE ETiK Standar Kode Etik dan kebijakan pertentangan kepentingan MNC Bank berlaku untuk semua lapisan karyawan termasuk Direksi dan Dewan Komisaris Perseroan.
SOSiALiSASi KOdE ETiK Code of Conduct dipaparkan dan/atau disosialisasikan kepada semua karyawan MNC Bank melalui media internal Bank yang dapat diakses oleh semua karyawan dengan mudah setiap saat. Media Portal MNC Bank dan HR info dimanfaatkan sebagai media penyebaran standar etik.
SAnKSi ATAS PELAnggArAn KOdE ETiK Pelaku pelanggaran terhadap Kode Etik akan diganjar tindakan disiplin sesuai dengan peraturan perusahaan yang berlaku.
coDe of conDUct PrinciPlesIn carrying out its business activities, MNC Bank organizes a Code of Conduct in the form of Ethical Standards as MNC Bank’s commitment to work integrity and professionalism.
Matters related to conflicts of interest are regulated in the MNC Bank Ethical Standards:1. Relationship with customers, prospective customers and /
or partners.2. Giving and receiving gifts from customers, prospective
customers and / or partners.3. Procurement of MNC Bank equipment and equipment.4. Family relationships.5. Use of customer facilities, prospective customers and / or
partners or banks.6. Entertainment.7. Conducting activities as instructors, speakers, lecturers
outside the MNC Bank, unless they have obtained prior permission by management.
8. Bribery.9. Secret position.10. Company Secrets.11. Do not commit disgraceful deeds.
The standards of the Code of Conducts and MNC Bank’s conflict of interest policies are used as MNC Bank’s internal guidelines that contain the value system, business ethics, work ethics, commitment and enforcement of MNC Bank regulations for employees in conducting business and other activities and in interacting with stakeholders.
coDe of conDUct APPlicABilityThe Standard Code of Conducts and MNC Bank’s conflict of interest policies apply to all levels of employees including the Board of Directors and Board of Commissioners of the Company.
coDe of conDUct sociAliZAtionThe Code of Conduct is presented and / or socialized to all MNC Bank employees through Bank internal media that can be easily accessed by all employees at any time. The MNC Bank Media Portal and HR info are used as media for disseminating ethical standards.
sAnctions for ViolAtinG the coDe of conDUctPerpetrators of violations of the Code of Conduct will be disciplined in accordance with applicable company regulations.
koDeetIkCode of Conduct
336 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
buDayaperuSahaanCorporate Culture
Passion to Perform:Semangat untuk Memberikan Hasil Kerja yang terbaikPassion to Provide the Best Work Results
• PassiontoPerform tingkah laku karyawan dalam melakukan
pekerjaannya dengan antusias, kreatifitas, fokus, mengerti dan melakukan pekerjaan dengan sangat baik
Employees’ behavior in conducting their work with enthusiasm, creativity, focus, understanding and excellence
• RelationshipBuilding Bagaimana karyawan membina hubungan dengan
individu lainnya baik dalam tim maupun tidak. The way employees build relationship with other
individuals, both within the team and outside the team
• InnovationwithIntegrity Keinginan karyawan untuk berinovasi, memberikan
ide dan masukan The employees’ desire to innovate, deliver ideas and
inputs
• DeliverywithDelight Komitmen dan profesionalisme karyawan dalam
menjalankan tanggung jawab untuk menghasilkan layanan yang terbaik.
Employees’ commitment and professionalism in taking their responsibility in work to provide best services.
• EmpowermentforProgress Bagaimana karyawan dapat memberikan
perpanjangan tangan atas tanggung jawab yang diberikan dengan transparan, adil dan mudah dimengerti
The way employees can become an extension of responsibility with transparency, fairness and good understanding.
MnC Bank mempunyai satu core value yang terinternalisasi dalam setiap aktivitas karyawan yang dijelaskan dalam table di bawah ini MNC Bank has an internalized core value in every activity of the employees. The core value is further explained below
Relationship Building:Membangun Hubungan yang Harmonis dengan Seluruh StakeholderBuilding the harmonious relationships with all stakeholders
Innovation with Integrity:Melakukan inovasi dan terobosan- terobosan Baru yang terukur dengan penuh integritasInnovating and Measuring New Breakthroughs with Full Integrity
Delivery with Delight:Menghasilkan Kinerja yang Memuaskan para StakeholderProducing Satisfactory Performance for Stakeholders
Empowerment for Progress:Memberdayakan Sumber daya Secara Maksimal dan Bertanggung JawabEmpowering Resources Maximally and Responsibly
prIde
niLAi inTi / COrE VALuES
337Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KEBijAKAn MNC Bank telah memiliki Kebijakan Whistleblowing yang disahkan pada April 2015 untuk mendukung implementasi whistleblowing dilingkungan MNC Bank.
TujuAn 1. Menciptakan proses mekanisme pengaduan pelanggaran. 2. Meningkatkan kinerja kepatuhan MNC Bank dan
monitoring serta assessment terhadap pengendalian internal.
3. Memantau upaya perbaikan pengendalian internal oleh manajemen.
4. Memudahkan proses pengungkapan pelanggaran. 5. Memperjelas tanggungjawab atas tindak lanjut.6. Penyelesaian pelanggaran yang terjadi sehingga risiko
finansial dan risiko reputasi yang mungkin timbul dapat dicegah.
7. Mencegah timbulnya risiko finansial dan risiko reputasi, akibat kasus fraud, tindakan melanggar etika seperti menerima suap, hadiah serta pelanggaran lain.
8. Mendorong peran serta karyawan untuk ikut serta menciptakan suasana kerja yang kondusif sesuai dengan prinsip keterbukaan.
9. Melindungi aset MNC Bank. 10. Menerapkan pelaksanaan Tata Kelola dalam MNC Bank.
LAPOrAn PELAnggArAn Pengaduan disampaikan melalui media surat tertulis atau surat elektronik (e-mail). Surat tertulis dikirimkan melalui sarana kotak surat yang penempatannya diatur dan diumumkan oleh Komite Penyelesaian Pengaduan. Surat elektronik (e-mail) menggunakan e-mail khusus (pengadaan@mncBank. co.id) untuk menerima pengaduan dengan tujuan menjaga kerahasiaan dan mencegah keengganan karyawan untuk melaporkan.
Berkaitan dengan tindakan yang sifatnya umum, maka setiap pengaduan harus disertai dengan bukti dan/atau informasi yang jelas atas pelanggaran yang dilaporkan, sehingga dapat ditelusuri dan ditindaklanjuti.
Pengelolaan Whistleblowing System Komite Penyelesaian Pengaduan akan menindaklanjuti seluruh laporan yang diterima. Selanjutnya, Komite Penyelesaian Pengaduan akan menetapkan keputusan dan memberikan rekomendasi terkait laporan yang diterima dan hasil investigasi.
PolicyMNC Bank has a Whistleblowing Policy which was passed in April 2015 to support the implementation of whistleblowing within the MNC Bank.
Aims1. Creating a mechanism for complaint complaints.2. Improving the performance of MNC Bank compliance and
monitoring and assessment of internal controls.
3. Monitoring efforts to improve internal control by management.
4. Facilitating the disclosure process of violations.5. Clarifying responsibility for follow-up.6. Settlement of violations that occur so that financial risks
and reputational risks that may arise can be prevented.
7. Preventing the emergence of financial risks and reputation risks, due to fraud cases, acts that violate ethics such as accepting bribes, gifts and other violations.
8. Encouraging the participation of employees to participate in creating a conducive working atmosphere in accordance with the principle of openness.
9. Protecting MNC Bank assets.10. Implementing the implementation of Governance in the
MNC Bank.
comPlAint rePorts Complaints are submitted through written letters or e-mail. Written letters are sent by means of a mailbox whose placement is regulated and announced by the Complaint Settlement Committee. E-mail uses a special e-mail (procurement @ mncBank. Co.id) to receive complaints with the aim of maintaining confidentiality and preventing employee reluctance to report.
With regard to actions that are of a general nature, each complaint must be accompanied by clear evidence and / or information on reported violations so that they can be traced and followed up.
Whistleblowing System ManagementThe Complaints Resolution Committee will follow up on all reports received. Furthermore, the Complaints Settlement Committee will determine decisions and provide recommendations regarding the reports received and the results of the investigation.
sIsteMWhIStleBloWIngWhistleblowing System
338 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Komite Penyelesaian Pengaduan adalah komite yang terdiri atas: • Ketua: Direktur SDM • Sekretaris: Group Head SDM • Anggota: Presiden Direktur; Direktur Kepatuhan; Direktur
Operasi dan Teknologi
PErLindungAn BAgi whiSTLEBLOwEr Berikut adalah fasilitas dan perlindungan yang bisa diberikan kepada pelapor, di antaranya:a. Fasilitas media pelaporan yang menjamin kerahasiaan
identitas pelapor dan kasus yang dilaporkan.b. Perlindungan kerahasiaan identitas pelapor. Perlindungan
ini diberikan kepada Pelapor yang memberikan identitas dan informasi yang dapat digunakan untuk berkomunikasi mengenai kasus yang dilaporkan.
c. Perlindungan dari tindakan balasan oleh Terlapor. Perlindungan ini mencakup perlindungan dari tekanan, penundaan kenaikan pangkat, pemecatan, gugatan hukum, ancaman terhadap harta benda serta tindakan fisik dan catatan yang merugikan dalam file data pribadinya (personal file record). MNC Bank menjamin perlindungan sebagaimana yang bisa diberikan terhadap karyawan sebagai saksi Pelapor.
d. Informasi pelaksanaan tindak lanjut berupa kapan dan bagaimana serta kepada institusi mana tindak lanjut diserahkan.
The Complaints Settlement Committee is a committee consisting of:• Chair: HR Director• Secretary: HR Group Head• Members: President Director; Compliance Director;
Director of Operations and Technology
Protection for whistleBlowersThe following are facilities and protections that can be given to reporters, including:a. Media reporting facility that guarantees the confidentiality
of the reporter’s identity and reported cases.b. Protection of the confidentiality of the reporter’s identity.
This protection is given to the Rapporteur who provides identity and information that can be used to communicate about the reported case.
c. Protection from retaliation by the Reported Party. This protection includes protection from pressure, postponement of promotions, dismissals, lawsuits, threats to property as well as physical actions and adverse records in his personal data file (personal file record). MNC Bank guarantees protection as can be given to employees as a Reporting witness.
d. Information on the implementation of follow-up in the form of when and how and to the institution where the follow-up is submitted.
339Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Susunan Direksi dan Dewan Komisaris MNC Bank telah memenuhi keberagaman dan diwujudkan dalam bentuk keberagaman kompetensi, pengalaman serta latar belakang pendidikan Direksi dan Dewan Komisaris yang sebagaimana di paparkan pada bagian profil Direksi dan Dewan Komisaris.
The composition of the MNC Bank’s Board of Directors and Board of Commissioners has fulfilled diversity and is manifested in the form of diversity in competence, experience and educational background of the Directors and Board of Commissioners as described in the profile section of the Directors and Board of Commissioners.
kebIjakan MengenaI keberagaMan kompoSISI deWan komISarIS dan dIrekSIPolicy of Diversity of Board of Commissioners and Board of Directors
kebIjakan & proseDurantI korupSIAnti Corruption Policy & Procedures
Perbankan merupakan suatu bentuk usaha yang bertujuan untuk menghimpun dan menyalurkan dana masyarakat. Berdasarkan karakteristik tersebut kompleksitas produk dan aktifitas jasa perbankan yang ditawarkan akan meningkat sehingga dapat menimbulkan tingkat risiko MNC Bank sebagai media atau tujuan kegiatan tempat yang cukup strategis bagi para pelaku pencuci uang dan pendanaan terorisme.
Sebagai langkah preventif, maka MNC Bank tunduk pada:1. Undang-Undang Republik Indonesia No. 8 Tahun 2010
tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang;
2. Undang-Undang Republik Indonesia No. 9 Tahun 2013 tentang Pencegahan dan Pemberantasan Tindak Pidana Pendanaan Terorisme;
3. POJK No.12/POJK.01/2017 tanggal 21 Maret 2017 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di sektor Jasa Keuangan;
4. SEOJK NO.32/SEOJK.03/2017 tanggal 22 Juni 2017 tentang Penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme di sektor Jasa Keuangan.
Dalam pelaksanaan penerapan program anti pencucian uang dan pencegahan pendanaan terorisme agar berjalan dengan efektif, MNC Bank melakukan beberapa hal sebagai berikut: 1. Pengawasan Aktif Dewan Komisaris dan Direksi
a. Pengawasan Aktif Komisaris, meliputi: 1) Memberikan persetujuan atas kebijakan
penerapan program APU dan PPT; 2) Mengawasi pelaksanaan tanggung jawab
Direksi terhadap pelaksanaan penerapan APU dan PPT;
3) Memastikan adanya pembahasan terkait Pencucian Uang dan/atau Pendanaan Terorisme dalam rapat Direksi dan Dewan Komisaris.
Banking is a form of business that aims to collect and channel public funds. Based on these characteristics the complexity of the product and the activities of the offered banking services will increase so that it can lead to the level of risk of the MNC Bank as a medium or the objective of a strategic place for money laundering and terrorism financing.
As a preventive measure, the MNC Bank is subject to: 1. Law of the Republic of Indonesia No. 8 of 2010 concerning
Prevention and Eradication of Money Laundering Crimes;
2. Law of the Republic of Indonesia No. 9 of 2013 concerning Prevention and Eradication of Terrorism Funding Crimes;
3. POJK No.12/POJK.01/2017 dated March 21, 2017 concerning the Application of Anti Money Laundering and Prevention of Terrorism Funding Programs in the Financial Services sector;
4. SEOJK NO. 32 / SEOJK.03 / 2017 dated June 22, 2017 concerning the Implementation of the Anti-Money Laundering and Prevention of Terrorism Funding Program in the Financial Services sector.
In implementing the anti-money laundering and prevention of terrorism funding programs to run effectively, MNC Bank does the following: 1. Active Supervision of the Board of Commissioners and
Directors a. Active Commissioner Supervision, including: 1) Giving approval for the policies for implementing
the APU and PPT program; 2) Overseeing the implementation of the Board
of Directors’ responsibilities towards the implementation of APU and PPT;
3) Ensuring that there are discussions related to Money Laundering and/or Terrorism Funding at the Board of Directors and Board of Commissioners meetings.
340 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
b. Pengawasan Aktif Direksi, meliputi:
1) Memastikan MNC Bank telah memiliki kebijakan dan prosedur Program APU dan PPT;
2) Mengusulkan kebijakan tertulis Program APU dan PPT kepada Dewan Komisaris;
3) Memastikan penerapan Program APU dan PPT dilaksanakan sesuai dengan kebijakan dan prosedur tertulis yang telah ditetapkan;
4) Membentuk Unit Kerja Khusus (UKK) yang melaksanakan Program APU dan PPT dan/atau menunjuk pejabat yang bertanggung jawab terhadap Program APU dan PPT di Kantor Pusat;
5) Melakukan pengawasan atas kepatuhan satuan kerja dalam menerapkan Program APU dan PPT; f. Memastikan bahwa kantor cabang wajib memiliki karyawan atau pejabat yang menjalankan fungsi Unit Kerja Khusus atau pejabat yang mengawasi penerapan program APU dan PPT;
6) Memastikan bahwa kebijakan dan prosedur Program APU dan PPT sejalan dengan perubahan dan pengembangan produk, aktivitas dan teknologi serta sesuai dengan perkembangan modus pencucian uang atau pendanaan terorisme;
7) Memastikan bahwa seluruh karyawan, khususnya pegawai dari unit kerja terkait dan pegawai baru, telah mengikuti pelatihan yang berkaitan dengan Program APU dan PPT secara berkala.
2. Direktur Kepatuhan memiliki tugas dan tanggung jawab dalam melaksanakan pengawasan aktif Direksi sebagai berikut:a. Menetapkan langkah-langkah yang diperlukan
untuk memastikan MNC Bank telah memenuhi ketentuan Bank Indonesia mengenai Program APU dan PPT dan peraturan perundang-undangan lainnya yang terkait;
b. Memantau pelaksanaan tugas Unit Kerja Khusus dan/atau pejabat MNC Bank yang bertanggung jawab atas penerapan Program APU dan PPT;
c. Memberikan rekomendasi kepada Presiden Direktur mengenai pejabat yang akan memimpin Unit Kerja Khusus atau pejabat yang bertanggung jawab atas penerapan Program APU dan PPT;
d. Memberikan persetujuan terhadap Laporan Transaksi Keuangan Mencurigakan (LTKM/STR) dan
e. Menetapkan dan mengevaluasi transaksi yang memerlukan persetujuan pejabat senior.
f. Kebijakan dan Prosedur MNC Bank telah memiliki Kebijakan dan Prosedur yang meliputi: 1) Permintaan informasi dan dokumen Nasabah
(Customer Due Diligence/CDD dan Enhance Due Dilligence/EDD);
2) Beneficial Owner; 3) Verifikasi dokumen;
b. Active supervision by the Board of Directors, including:
1) Ensuring the MNC Bank has policies and procedures for the APU and PPT Program;
2) Proposing written policies of the APU and PPT Program to the Board of Commissioners;
3) Ensuring the implementation of the APU and PPT Program is implemented in accordance with the written policies and procedures that have been set;
4) Establishing a Special Work Unit (UKK) that implements the APU and PPT Program and/or appoints officials responsible for the APU and PPT Program at the Head Office;
5) Supervising the compliance of the work unit in implementing the APU and PPT Program; f. Ensure that branch offices are required to have employees or officials who carry out the functions of the Special Work Unit or officials who oversee the implementation of the APU and PPT program;
6) Ensuring that the policies and procedures of the APU and PPT Program are in line with changes and development of products, activities and technology and in accordance with the development of the mode of money laundering or terrorism funding;
7) Ensuring that all employees, especially employees of the related work units and new employees, have been regularly trained in the APU and PPT program.
2. The Compliance Director has the duties and responsibilities in carrying out the active supervision of the Directors as follows:
a. Establishing the steps needed to ensure MNC Bank complies with Bank Indonesia regulations regarding the APU and PPT Program and other relevant laws and regulations;
b. Monitoring the implementation of the duties of the Special Work Unit and/or MNC Bank officials responsible for the implementation of the APU and PPT Program;
c. Providing recommendations to tPPThe President Director regarding officials who will lead the Special Work Unit or officials responsible for implementing the APU and PPT Program;
d. Giving approval to Suspicious Financial Transaction Reports (LTKM/STR) and
e. Establishing and evaluate transactions that require the approval of senior officials.
f. MNC Policies and Procedures The Bank has policies and procedures which include:
1) Request customer information and documents (Customer Due Diligence/CDD and E nhance Due Dilligence/EDD);
2) Beneficial Owner; 3) Document verification;
341Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
4) CDD yang lebih sederhana; 5) Pelaksanaan CDD oleh pihak ketiga; 6) Penerapan Risk Based Approach (RBA); 7) Petentuan mengenai area berisiko tinggi dan
Politically Exposed Person (PEP); 8) Penanganan Walk in Customer; 9) Pengkinian data nasabah dan pemantauan
transaksi nasabah; 10) Cross Border Correspondent Banking (CBCB);11) Prosedur transfer dana; 12) Sistem informasi manajemen; 13) Pemberian data dan informasi; 14) Pemblokiran dan penyitaan simpanan; 15) Penutupan hubungan dan penolakan transaksi;16) Sumber Daya Manusia dan program pelatihan
karyawan; 17) Penatausahaan dokumen; 18) Pelaporan kepada pihak regulator; 19) Pengendalian Intern.
PEngEndALiAn inTErn Pemantauan oleh pihak independent diperlukan secara berkala oleh Internal Audir dan Eksternal Audit untuk menguji efektivitas bahwa pelaksanaan program APU dan PPT telah dilaksanakan sesuai dengan ketentuan yang berlaku.
SiSTEM MAnAjEMEn inFOrMASi MNC Bank membutuhkan sistem manajemen informasi untuk melakukan pelaksanaan penerapan program APU dan PPT secara efektif yang meliputi:1. Sistem pemantauan profil dan transaksi nasabah yang
dapat mengidentifikasi, menganalisa dan menyediakan laporan secara efektif mengenai karakteristik transaksi berdasarkan risiko yang dilakukan oleh Nasabah;
2. Sistem informasi yang dapat menelusuri setiap transaksi (individual transaction), baik untuk keperluan intern dan atau ototritas, maupun dalam kaitannya dengan kasus peradilan.
SuMBEr dAyA MAnuSiA dAn PELATihAn MNC Bank melaksanakan program pelatihan APU dan PPT bagi seluruh karyawannya secara berkesinambungan guna menghasilkan SDM yang mempunyai tingkat keahlian dan pengetahuan yang memadai di dalam menjalankan tugas-tugasnya. Adapun cakupan materi pelatihan diantaranya adalah sebagai berikut: 1. Pengertian APU dan PPT; 2. Mekanisme dan siklus pencucian uang; 3. Sanksi pidana atas tindakan APU dan PPT; 4. Penerapan prinsip mengenal nasabah (Customer Due
Diligence); 5. Pengertian Nasabah Risiko Tinggi dan Politically
Exposed Person (PEP); 6. Pemantauan transaksi nasabah untuk mengidentifikasikan
transaksi mencurigakan; 7. Pelaporan transaksi tunai dan transaksi mencurigakan
kepada Regulator.
4) Simpler CDD; 5) Implementation of CDD by third parties; 6) Implementation of Risk Based Approach (RBA); 7) Determination of high-risk areas and Politically
Exposed Person (PEP); 8) Handling Walk in Customers; 9) Updating customer data and monitoring customer
transactions; 10) Cross Border Correspondent Banking (CBCB); 11) Fund transfer procedure; 12) Management information System; 13) Providing data and information; 14) Blocking and confiscation of deposits; 15) Relationship closure and transaction rejection; 16) Human Resources and employee training
programs; 17) Administration of documents; 18) Reporting to regulators; 19) Internal Control.
internAl controlIndependent monitoring is essential to the Internal Auditor and External Audit to test the effectiveness that the implementation of the AML and CFT program has been carried out in accordance with applicable regulations.
informAtion mAnAGement systemMNC Bank requires an information management system to effectively implement the AML and CFT program which includes: 1. Customer profile and transaction monitoring system that
can identify, analyze and provide effective reports on the characteristics of transactions based on the risks carried out by the Customer;
2. An information system that can track each individual transaction, both for internal and/or institutional needs, as well as in relation to judicial cases.
hUmAn resoUrces AnD trAininGMNC Bank implements APU and PPT training programs for all its employees on an ongoing basis to produce human resources who have adequate levels of expertise and knowledge in carrying out their duties. The scope of the training material includes the following:
1. Definition of AML and PPT; 2. Mechanisms and cycles of money laundering; 3. Criminal sanctions for APU and PPT actions; 4. Application of the principle of knowing customers
(Customer Due Diligence); 5. Definition of High Risk Customers and Politically Exposed
Person (PEP); 6. Monitoring customer transactions to identify suspicious
transactions; 7. Reporting of cash transactions and suspicious transactions
to the Regulator.
342 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Pengadaan barang dan jasa menjadi salah satu aktifitas penting untuk mendukung kelancaran operasional Bank, seiring dengan semakin berkembangnya MNC Bank. Cakupan pengadaan barang dan jasa yang dilakukan oleh Bank meliputi barang dan jasa yang terkait teknologi dan non-teknologi.
Agar Bank memiliki posisi yang lebih strategis untuk mengoptimalkan manfaat yang dapat diperoleh Bank pada setiap kebutuhan barang dan jasa, maka pengelolaan pengadaan barang dan jasa di MNC Bank diatur secara terpusat.
KEBijAKAnKebijakan dibuat sebagai pedoman bagi Satuan Kerja terkait dalam hal proses pengadaan barang/Jasa dan juga menjadi dasar penyusunan Prosedur terkait pengadaan Barang/Jasa, penetapan rekanan sehingga terdapatnya mekanisme kontrol yang mencukupi.
Kebijakan ini mengatur syarat yang harus dipenuhi oleh satuan kerja untuk mengajukan proses pengadaan, calon rekanan tetap, pejabat yang berhak menyetujui, komite yang menentukan, dokumen yang harus dilengkapi oleh rekanan tetap, review berkala, dan administrasi kontrak kerjasama. Apabila ada kekhususan dalam proses pengadaan maka akan dikecualikan dari proses pengadaan oleh General Service Procurement untuk dikelola dan diatur oleh unit kerja terkait.
PrinSiP PEngAdAAn BArAng dAn jASAUnit Kerja Procurement, Satuan Kerja terkait dan SME (Subject Matter Expert) bertanggung jawab untuk mencapai hasil yang paling baik ketika melakukan proses pengadaan, diantaranya adalah memilih Rekanan yang sesuai dengan kebutuhan dan memastikan bahwa BANK mendapatkan harga yang kompetitif. Untuk mencapai hasil tersebut maka Unit Kerja Procurement bersama dengan Satuan Kerja terkait harus mengikuti proses pengadaan Barang/Jasa yang telah ditentukan.
Dasar pertimbangan dalam penyusunan kebijakan dan Prosedur terkait pengadaan barang/ jasa adalah sebagai berikut:1. POJK Nomor 9/POJK.03/2016 tentang Prinsip Kehati-hatian
Bagi Bank Umum yang Melakukan Penyerahan Sebagian Pelaksanaan Kerja Kepada Pihak Lain.
2. Surat Edaran Otoritas Jasa Keuangan Nomor 11/SEOJK.03/2017 tentang Prinsip Kehati-hatian bagi Bank Umum yang Melakukan Penyerahan Sebagian Pelaksanaan Pekerjaan kepada Pihak Lain.
3. PBI No.8/4/PBI/2006 tanggal 30 Januari 2006 yang telah disempurnakan melalui PBI No.8/14/PBI/2006 tanggal 5 Oktober 2006 tentang Pelaksanaan Good Corporate Governance (GCG) bagi Bank Umum,
4. PBI No.13/25/PBI/2011 tanggal 9 Desember 2011 tentang prinsip kehati-hatian bagi Bank Umum yang melakukan penyerahan sebagian pelaksanaan pekerjaan kepada pihak lain,
5. Standar Etika Bankir Indonesia versi Februari 2013, bahwa sebagai seorang yang berprofesi sebagai Bankir dan dalam rangka menjalin kerjasama yang sehat dan etis dengan berbagai pihak pemilik kepentingan serta lingkungan tempat bekerja, kode etik harus menjadi acuan yang dilakukan
Procurement of goods and services is one of the important activities to support the smooth operation of the Bank, along with the growing development of MNC Banks. The scope of goods and services procured by the Bank includes goods and services related to technology and non-technology.
In order for the Bank to have a more strategic position to optimize the benefits that the Bank can obtain for every need for goods and services, the management of the procurement of goods and services at the MNC Bank is regulated centrally.
PolicyBank made the policy as a guideline for the Work Units related to the procurement of goods/services and also as the basis for the procedure making related to the procurement of goods/services, the determination of partners so that the sufficient control mechanism occurred.
This policy regulates the required conditions for the work unit in submitting the procurement process, the permanent partner candidate, the authorized officer to approve, the committee that determines, documents that must be completed by the permanent partners, the periodic reviews, and the administration of cooperation contracts. If a specificity in the procurement process exists, it will be excluded from the procurement process by the General Service Procurement to be managed and regulated by the related work unit.
PrinciPles of GooDs AnD serVices ProcUrementProcurement Work Units, related Work Units and SMEs (Subject Matter Experts) have responsibility for achieving the best results in conducting the procurement process, including selecting a Partner that suits the needs and ensuring that the BANK gets the competitive prices. To achieve these results, the Procurement Work Unit jointly with the relevant Work Unit must follow the determined process of goods/services procurement.
The basis of consideration in the policies and procedures making related to the procurement of goods/services refers to as follows: 1. POJK Number 9/POJK.03/2016 on the Precautionary
Principle for Commercial Banks that Submitted Partial Work Implementation to Other Parties.
2. Financial Services Authority Circular No.11/SEOJK.03/2017 on the Precautionary Principle for Commercial Banks that Submitted Partial Work Implementation to Other Parties.
3. PBI No.8/4/PBI/2006 dated 30 January 2006 which was amended through PBI No.8/14/PBI/2006 dated 5 October 2006 on Implementation of Good Corporate Governance (GCG) for Commercial Banks,
4. PBI No.13/25/PBI/2011 dated 9 December 2011 on the prudence principle for Commercial Banks that Submitted Partial Work Implementation to Other Parties.
5. The February 2013 version of Indonesian Bankers Ethics, that as an individual working as a Banker and in order to establish the healthy and ethical cooperation with various stakeholders and the workplace, a code of ethics becomes a mandatory as the reference for working activities. This procedure is one
pengaDaan barangdan jaSaProcrument
343Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
dalam aktivitas bekerja. Prosedur ini adalah salah satu sistem pengendalian internal untuk melaksanakan prinsip – prinsip Good Corporate Governance (GCG) dalam setiap kegiatan usaha pada seluruh tingkatan organisasi di MNC Bank
PrOSEdur PEngAdAAn BArAng dAn jASAProsedur menguraikan prinsip panduan kegiatan yang harus dilakukan dan mengatur peranan tanggung jawab organisasi terkait selama proses pengadaan dan pemilihan Rekanan. Prosedur juga menetapkan ketentuan minimum yang terkait dengan pengelolaan fungsi Pengadaan Barang/Jasa di MNC BANK, diantaranya:
a. Proses pemilihan Rekanan hingga proses pembayaran,b. Pengelolaan Rekanan,c. Pengelompokan kategori Procurement,d. Metode penghitungan penghematan (savings) dari hasil
pemilihan Rekanan,e. Kepatuhan terhadap etika bisnis, perilaku, dan kerahasiaan
informasi yang terkait dengan kerjasama dengan Rekanan.
Satuan kerja terkait dan Rekanan Bisnis harus tunduk pada persyaratan prosedur ini, apabila terdapat pengecualian/deviasi terhadap prosedur yang telah disetujui maka harus mendapatkan persetujuan dari pemilik prosedur dan Direksi sesuai kebijakan yang berlaku dan didokumentasikan. Pengecualian/deviasi hanya akan diberikan untuk kondisi dimana risiko yang ditimbulkan terhadap Bank telah termitigasi sebagaimana mestinya.
PEngELOLAAn rEKAnAnPenentuan Rekanan harus didukung dengan persetujuan prinsip oleh pejabat MNC Bank sesuai batas kewenangan atas aktifitas yang membutuhkan Rekanan Tetap tersebut. Persetujuan yang diberikan harus memperhatikan terciptanya keseimbangan antara hal-hal yang harus dipertimbangkan dalam penentuan rekanan untuk mencegah konflik kepentingan (conflict of interest).
Guna mencegah ketergantungan pada 1 (satu) Rekanan maka Komite Penentu Rekanan/Vendor menentukan lebih dari 1 (satu) Rekanan dan diupayakan minimal 3 (tiga) Rekanan untuk kelompok Barang/Jasa tertentu. Kondisi ini tidak berlaku dalam hal Rekanan adalah satu-satunya penyedia Barang/Jasa yang ada di Indonesia.
Rekanan Tetap adalah rekanan yang bekerjasama dengan MNC Bank dari hasil proses pengadaan Barang/Jasa. Untuk menjadi Rekanan Tetap MNC Bank, calon rekanan harus memenuhi syarat-syarat yang diperlukan seperti profil administratif, referensi kinerja dan kemampuan finansial. Dalam pembuktian kebenaran data dan kemampuan calon Rekanan Tetap, Satuan Kerja yang ditugaskan sebagai penanggung jawab proses pengadaan diupayakan melakukan penilaian terhadap calon Rekanan Tetap. Sumber penilaian dapat berdasarkan dokumen, interview, maupun peninjauan langsung di lapangan yang dapat diperbantukan oleh cabang Bank di lokasi terdekat. Pihak independen MNC Bank juga harus dilibatkan untuk memberikan review terhadap pilihan calon Rekanan untuk kategori barang/ jasa tertentu misalnya terkait Risk Exposure & Financial Risk, Information Security dan terkait Regulatory,
of the internal control systems to implement the principles of Good Corporate Governance (GCG) in every business activity at all levels of the organization in MNC Bank
ProceDUre for GooDs AnD serVices ProcUrementThe procedure outlines the guiding principles of activities that must be carried out. The procedure also regulates the role of relevant organizational responsibilities during the procurement and selection process of the Partner. The procedure also stipulates the minimum provisions relating to the management of the goods/services procurement in MNC BANK, including:a. The process of selecting partners to the payment processb. Partner Management,c. Grouping of Procurement categories,d. Method of calculating savings (savings) from the results of the
selection of Associates,e. Compliance with the business ethics, behavior and
confidentiality of information related to cooperation with Partners.
The related work unit and Business Partner must be subject to the requirements of this procedure, if any exception/deviation from the agreed procedures occurred, it must obtain the approval from the procedure owner and the Board of Directors in accordance with the applicable and documented policies. Any exception/deviation will only be given for the condition when the risk caused to the Bank has been properly mitigated.
PArtner mAnAGementThe determination of Partner must be supported by the principle approval by MNC Bank officials in accordance with the authority limit for the activities that require the Permanent Partner. The given agreement must pay attention to the creation of a balance between the matters that must be considered in determining the partners to prevent the conflicts of interest.
In order to prevent the dependency on 1 (one) Partner, the Partner/Vendor Determination Committee determines more than 1 (one) Partner and seeks a minimum of 3 (three) Partners for certain groups of Goods/Services. This condition does not apply if the Partner is the only provider of goods/services in Indonesia.
The Permanent Partners are those who work with MNC Bank from the procurement of goods/services. To become a Permanent Partner of MNC Bank, the prospective partners must fulfill the necessary conditions such as administrative profiles, reference performance and financial capabilities. In proving the data validity and the ability of the Permanent Partner candidates, the Work Unit assigned as the person in charge of the procurement process attempts to make an assessment of the Permanent Partner candidates. The assessment can be sourced from the documents, interviews, and direct observations in the area that can be seconded by the Bank branch in the nearest location. An independent party of MNC Bank must also be in involvement to provide a review towards the choice of prospective partners for the certain categories of goods/services, for example in relation to Risk Exposure & Financial Risk, Information Security and related Regulatory.
344 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Management Discussion and Analysis
Sebagai komitmen kerjasama dan untuk melindungi terhadap risiko hukum, dokumen kontrak kerjasama dengan Rekanan Tetap harus dibuat untuk mengatur syarat dan ketentuan (perjanjian) yang menjadi dasar kerjasama dengan Rekanan Tetap. Syarat dan ketentuan diantaranya mencakup ruang lingkup yang telah disepakati. Setiap kali pembaharuan kerjasama, Satuan Kerja terkait bersama dengan PIC pengadaan harus melakukan review Rekanan untuk memastikan bahwa kinerja Rekanan telah memenuhi persyaratan yang diperlukan oleh MNC bank.
As a commitment in cooperation and to protect against the legal risk, a document of cooperation contract with a Permanent Partner must be formed to regulate the terms and conditions (agreements) as the basis of cooperation with a Permanent Partner. The terms and conditions include the approved scope. At any moment the collaboration is renewed, the Work Unit linked together with the procurement PIC must review the Partner to ensure that the Partner performance has met the requirements of MNC bank.
Vendor Name Category Total (Rupiah)
PT. Pelangi Fortuna Global Lending Services – Sales Agency 21.499.610.887
PT. Intrias Mandiri Sejati Lending Services – Sales & Collection Agency 20.590.175.527
PT. GLD Property Real Estate Landlord 13.325.038.442
PT. Global Jasa Sejahtera Security & Safety 10.584.819.380
PT. Permata Indo Sejahtera Lending Services – Sales Agency 9.090.479.954
PT. CSM Corporatama (Indorent) Fleet & Company Cars 8.298.183.972
PT. MNC Land, Tbk Real Estate Landlord 7.344.848.719
PT. Intercipta Jasa Indonesia (Interclean) Building, facility maintenance 7.326.431.773
PT. IBM Indonesia Core Infrastructure Technologies Product & Services 7.299.373.347
PT. Infomedia Nusantara Call Center 6.191.888.416
Laporan Pengadaan Barang dan Jasa 2018report of procurement of goods and Services in 2018
AudiT PEngAdAAn BArAng dAn jASAProses audit untuk pengadaan dilakukan untuk menilai kecukupan dan efektivitas dari pengendalian internal, manajemen risiko, dan tata kelola pada Divisi Procurement yang ada di General Service (GS) Group. Proses Audit untuk periode 1 Januari 2017 s.d 30 April 2018 telah selesai dengan hasil beberapa hal yang harus diperbaiki secara administratif untuk kontrol eksekusi pekerjaan.
Buy BACK ShArE dAn Buy BACK OBLigASi Sepanjang 2018, Bank tidak melaksanakan Buy Back Share dan Buy Back Obligasi.
PEngungKAPAn rASiO gAji TErTinggi dAn TErEndAhGaji adalah hak pegawai yang diterima dan dinyatakan dalam bentuk uang sebagai imbalan dari perusahaaan atau pemberi kerja, yang ditetapkan dan dibayarkan menurut suatu perjanjian kerja, kesepakatan, atau peraturan perundang-undangan. Sementara itu, yang dimaksud dengan pegawai adalah pegawai tetap Bank sampai batas pelaksana.
Berikut adalah rasio gaji tertinggi dan terendah Dewan Komisaris, Direksi dan pegawai Bank dalam skala perbandingan:
GooDs AnD serVices ProcUrement AUDitThe procurement audit process is conducted to assess the adequacy and effectiveness of internal control, risk management, and governance in the Procurement Division of the General Service (GS) Group. The auditing for 1 January 2017 to 30 April 2018 has been completed. It showed the result that several matters related to administration must be adjusted to control the work execution.
BUy BAck shAre AnD BonD BUy BAckThroughout 2018, the Bank did not implement a Buy Back Share and Bond Buy Back.
DisclosUre of the hiGhest AnD lowest sAlAry rAtioSalary is the employees’ right received and expressed in the form of money in return for the company or employer, which is determined and paid according to a work agreement, agreement, or statutory regulation. Meanwhile, what is meant by employees is a permanent employee of the Bank to the implementing limit.
The following is the ratio of the highest and lowest salaries of the Board of Commissioners, Directors and Bank employees on a comparative scale:
345Laporan Tahunan 2018 Annual Report
6
Tinjauan Operational Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Penyediaan dana Kepada Pihak Terkait (related Party) dan dana Besar (Large Exposure) Bank telah memiliki kebijakan, sistem dan prosedur tertulis untuk penyediaan dana kepada pihak terkait dan penyediaan dana besar, berikut monitoring dan penyelesaiannya. SKMR senantiasa melakukan evaluasi dan mengkinikan kebijakan, sistem dan prosedur untuk disesuaikan dengan ketentuan dan perundang-undangan yang berlaku.
Untuk pasokan dana besar, Bank mengaplikasikan manajemen risiko terkait dengan konsentrasi penyediaan dana, independensi pengambilan keputusan dan pembatasan penyediaan dana yang dapat diputuskan oleh Direksi maksimum sebesar Rp25 miliar kepada setiap debitur individu maupun kelompok peminjam, dengan tetap memperhatikan prinsip kehati-hatian dibidang perkreditan yang berpedoman pada PBI No.14/15/PBI/2012 tanggal 24 Oktober 2012, SEBI No.15/28/DPNP tanggal 31 Juli 2013 tentang Penilaian Kualitas Aset Bank Umum dan PBI No.7/3/PBI/2005 tanggal 20 Januari 2005 tentang Batas Maksimum Pemberian Kredit Bank Umum berikut perubahannya.
Pemberian dana untuk Kegiatan Sosial dan/atau Kegiatan Politik Selama Periode Laporan Bank tidak melakukan pemberian dana ataupun terlibat dengan aktivitas politik selama periode laporan. Untuk kegiatan sosial kemasyarakatan dilaksanakan sesuai dengan prinsip CSR.
PEruBAhAn PErATurAn PErundAng-undAngAn yAng BErPEngAruh SigniFiKAn TErhAdAP PEruSAhAAnTidak ada perubahan peraturan perundang-undangan yang berpengaruh signifikan terhadap usaha MNC Bank sepanjang tahun 2018.
Provision of funds to related Parties and large exposure
The Bank has written policies, systems and procedures for providing funds to related parties and the provision of large funds, along with monitoring and resolution. SKMR always evaluates and updates policies, systems and procedures to be adjusted to the applicable rules and regulations.
For large funds, the Bank applies risk management related to the concentration of funds provision, independence of decision making and restrictions on the provision of funds which can be decided by the Board of Directors at a maximum of Rp25 billion to individual debtors and borrowers, while paying attention to prudential principles in the field of credit in PBI No.14 / 15 / PBI / 2012 dated October 24, 2012, SEBI No.15 / 28 / DPNP dated July 31, 2013 concerning Assessment of Quality of Assets of Commercial Banks and PBI No.7 / 3 / PBI / 2005 dated January 20, 2005 concerning The Legal Lending Limit for Commercial Banks and their changes.
Provision of funds for social Activities and / or Political Activities During reporting PeriodThe bank does not provide funds or engage with political activities during the reporting period. For social activities carried out in accordance with the principles of CSR.
chAnGes in lAws AnD reGUlAtions thAt hAVe siGnificAnt effects on the comPAny
There were no changes in the regulations which have significant impact on MNC Bank’s business throughout 2018.
No.RasioRatio
Skala PerbandinganComparison Scale
1Gaji pegawai yang tertinggi dan terendah Highest and lowest employee salaries
44,24 1,00
2Gaji Direksi yang tertinggi dan terendah Highest and lowest salaries of the Board of Directors
1,18 1,00
3Gaji Komisaris yang tertinggi dan terendah Highest and lowest salaries of the Board of Commissioners
1,00 1,00
4Gaji Direksi tertinggi dan pegawai tertinggi Highest salary of the Board of Directors and highest employees
1,90 1,00
tanggung jawab SoSIal peruSahaanCorporate Social Responsibility
350 Kegiatan CSR 20182018 CSR Activities
352 CSR Terkait Ketenagakerjaan, & Kesehatan dan Kesela-matan KerjaCSR Related to Employement, Health and Safety
356 CSR Terkait Pengembangan Sosial KemasyarakatanCSR Related to Social Community Development
360 CSR Terkait Produk dan NasabahCSR Related to Products and Customers
07
348 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
tanggung jawab SoSIal peruSahaanCorporate Social Responsibility
MNC Bank menyadari bahwa Tanggung Jawab Sosial Perusahaan (Corporate Social Responsibility atau CSR) merupakan hal penting dalam mendukung tumbuh kembangnya Bank. Keberhasilan Bank dalam menjalankan Rencana Bisnis Bank tidak hanya dipengaruhi oleh faktor internal, melainkan juga oleh faktor eksternal, karena keberlangsungan bisnis Bank tidak terlepas dari partisipasi masyarakat dalam menyambut berbagai produk perbankan dan layanan yang ditawarkan oleh Bank.
MNC Bank realizes that Corporate Social Responsibility is essential in supporting the growth of the Bank. The Bank’s success in carrying out its Business Plan is not only influenced by internal, but also external factors, because the Bank’s business continuity is inseparable from public participation in welcoming various banking products and services offered by the Bank.
KOMITMEN TERHADAP IMPLEMENTASI CSRSebagai Bank yang telah tumbuh dan menghasilkan kinerja yang baik, MNC Bank berupaya untuk dapat memberikan kontribusi nyata secara langsung pada peningkatan kesejahteraan ekonomi, sosial dan lingkungan di masyarakat, dan khususnya masyarakat di wilayah operasional kami. Bank semakin meneguhkan komitmennya terhadap implementasi CSR, yang diyakini akan memberikan kontribusi dan nilai tambah positif bagi pertumbuhan Bank yang berkelanjutan serta menempatkannya dalam jajaran warga korporasi yang memiliki reputasi tanggung jawab sosial yang baik.
MNC Bank telah melaksanakan program-program CSR secara berkesinambungan dengan menyoroti tiga pilar utama yang dikenal dengan sebutan “Triple Bottom Line” yakni Profit, People dan Planet. Bagi MNC Bank, keberhasilan Bank dalam penerapan kebijakan “Three Pillars of CSR” atau Triple Bottom Line merupakan ukuran keberhasilan pengembangan perusahaan secara berkelanjutan.
commitment to csr imPlementAtion As a Bank that has grown and boasts good performance, MNC Bank strives to be able to make a real contribution directly to improve economic, social and environmental well-being in the communites, especially those in our operational areas. The Bank strengthens its commitment to the implementation of CSR, believed can contribute positive added value for the Bank’s sustainable growth, and position the Bank as one of the corporate citizens with good reputation for social responsibility.
MNC Bank has continuously implemented CSR programs by highlighting the three main pillars known as the “Triple Bottom Line” namely Profit, People and Planet. For MNC Bank, the success of the Bank in implementing the “Three Pillars of CSR” policy or the Triple Bottom Line is the measure of the success of the company’s sustainable development.
349Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
DASAR HUKUM Dasar hukum yang dijadikan sebagai landasan pelaksanaan program CSR di MNC Bank antara lain: 1. Undang-Undang RI Nomor 8 Tahun 1999 tentang
Perlindungan Konsumen; 2. Undang-Undang RI Nomor 13 Tahun 2003 tentang
Ketenagakerjaan;3. Undang-Undang RI Nomor 40 Tahun 2007 tentang
Perseroan Terbatas yang ditunjang oleh Peraturan Pemerintah RI Nomor 47 Tahun 2012 tentang Tanggung Jawab Sosial dan Lingkungan Perseroan Terbatas;
4. Undang-Undang RI Nomor 25 Tahun 2007 tentang Penanaman Modal;
5. Undang-Undang RI Nomor 13 Tahun 2011 tentang Penanganan Fakir Miskin;
6. Peraturan Otoritas Jasa Keuangan Indonesia No.1/POJK.07/2013 tentang Perlindungan Konsumen di Sektor Jasa Keuangan;
7. Peraturan Otoritas Jasa Keuangan No.51/POJK.03/2017 tentang Penerapan Keuangan Berkelanjutan bagi Lembaga Jasa Keuangan, Emiten dan Perusahaan Publik.
leGAl reference Legal references that are used as the basis for implementing CSR programs at MNC Bank are:1. Law No. 8 Year 1999 on Consumer Protection;
2. Law No. 13 Year 2003 on Manpower;
3. Law No. 40 Year 2007 on Limited Liability Companies supported by Government Regulation No.47 Year 2012 on Social and Environmental Responsibilities of Limited Liability Companies;
4. Law No. 25 Year 2007 on Capital Investment;
5. Law No. 13 Year 2011 on Handling the Poor;
6. Regulation of Financial Services Authority No.1/POJK.07/2013 on Consumer Protection in the Financial Services Sector;
7. Regulation of Financial Services Authority No.51/POJK.03/2017 concerning the Implementation of Sustainable Finance for Financial Service Institutions, Issuers and Public Companies.
350 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
8. Surat Edaran Otoritas Jasa Keuangan No.1/SEOJK.07/2014 tentang Kewajiban Penyelenggaraan Edukasi Keuangan bagi Pelaku Usaha Jasa Keuangan.
Pada lingkup pelaporan tahunan sesuai Peraturan Otoritas Jasa Keuangan (OJK) No.29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Perusahaan Publik serta Surat Edaran OJK No.30/SEOJK.04/2016 tentang Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan Publik, perihal CSR dibagi ke dalam 4 (empat) aspek, yaitu: aspek lingkungan hidup; praktik ketenagakerjaan, kesehatan, dan keselamatan kerja; pengembangan sosial dan kemasyarakatan; serta tanggung jawab barang dan/atau jasa.
STRUKTUR PENGELOLASebagai komitmen MNC Bank untuk bekontribusi positif kepada lingkungan dan masyarakat sekitar serta meningkatkan kesejahteraan masyarakat sebagai bentuk tanggung jawab sosial, MNC Bank telah memberikan tanggung jawab pelaksanaan kegiatan CSR kepada tim khusus. Tim khusus yang menangani pelaksanaan kegiatan CSR MNC Bank adalah Corporate Secretary Group di bawah Direktorat Presiden Direktur.
Berdasarkan dengan ketentuan SEOJK 30, kegiatan CSR MNC Bank dilaksanakan sesuai dengan empat program yang tercakup dalam ketentuan tersebut, sebagai berikut:1. CSR terkait pelestarian alam dan lingkungan hidup;2. CSR terkait ketenagakerjaan, kesehatan dan
keselamatan kerja;3. CSR terkait pengembangan sosial kemasyarakatan;4. CSR terkait produk dan nasabah. Berikut penjelasan dari masing masing program:
8. Circular Letter of Financial Services Authority No.1/SEOJK.07/2014 concerning Obligation on Organizing Financial Education for Financial Service Businesses.
In the scope of annual reporting according to the Financial Services Authority Regulation (OJK) No.29/POJK.04/2016 concerning the Annual Report of Issuers or Public Companies or Public Company and OJK Circular Letter No.30/SEOJK.04/2016 concerning the Form and Content of the Annual Report of the Issuer or Public Company, the subject of CSR is divided into 4 (four) aspects, namely: employment, health and safety practices; social and community development; and responsibility for goods and/or services.
mAnAGement strUctUreAs a commitment of MNC Bank to positively contributing to the environment and surrounding communities and improving community welfare as a form of its social responsibility, MNC Bank has assigned the responsibility for implementing CSR activities to a special team. The special team that handles the activities is the Corporate Secretary Group under the Directorate of President Director.
Pursuant to SEOJK 30, CSR MNC Bank’s activities are conducted in accordance with the four programs covered in such regulation, namely:1. CSR related to nature conservation and environment;2. CSR related to employment, health and safety;
3. CSR related to social community development;4. CSR related to products and customers.
Each program is elaborated as follows:
kegIatan cSr 20182018 CSR Activities
351Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
CSR TERKAIT PELESTARIAN ALAM DAN LINGKUNGAN HIDUP
KebijakanMNC Bank senantiasa ikut berpartisipasi dalam upaya pelestarian alam dan lingkungan hidup. Hal ini diwujudkan dalam kebijakan dan program yang relevan. Meskipun kegiatan operasional MNC Bank tidak berdampak langsung terhadap lingkungan, Bank tetap berupaya mengelola dan meminimalkan risiko/dampak operasional terhadap lingkungan dengan berpartisipasi dalam upaya pelestarian lingkungan hidup yang diimplementasikan di lingkungan internal Bank, misalnya dengan melakukan penghematan penggunaan kertas, penggunaan listrik maupun penggunaan bahan bakar. Kebijakan ini diterapkan mulai dari kantor pusat hingga kantor cabang. MNC Bank menyadari, kebijakan ini memberikan dampak positif tidak hanya terhadap lingkungan, tetapi juga terciptanya budaya efisiensi di MNC Bank.
KegiatanKomitmen MNC Bank untuk bertanggung jawab terhadap lingkungan, serta sebagai upaya pelestarian alam dan lingkungan hidup, diwujudkan dalam rutinitas bisnis sehari-hari, baik di kantor pusat maupun kantor-kantor cabang, seperti:1. Penghematan kertas dengan memakai kertas bekas dan
sistem operasional yang paperless dan sistem e-filing;2. Penghematan listrik di lingkungan kantor melalui
penggunaan fasilitas kantor dengan listrik hemat energi (termasuk komputer dan printer), mematikan lampu saat waktu istirahat, pembatasan penggunaan AC yang dinyalakan dan dimatikan pada jam-jam yang sudah ditentukan tiap hari;
3. Penghematan penggunaan air. Sosialisasi penghematan listrik dan air pun dilaksanakan guna menanamkan kesadaran kepada karyawan akan pentingnya melakukan efisiensi.
4. Penghematan penggunaan bahan bakar minyak (BBM) dengan melakukan pengendalian penggunaan BBM kendaraan operasional maupun kendaraan dinas jabatan. MNC Bank menyadari bahwa saat ini seluruh elemen masyarakat harus turut membantu mengurangi dan menanggulangi krisis energi.
Sertifikasi di Bidang LingkunganSampai saat ini MNC Bank belum memiliki sertifikasi terkait dengan lingkungan.
csr relAteD to nAtUre conserVAtion AnD enVironment
PolicyMNC Bank always participates in conserving nature and environment. This participation is implemented in the policy and the programs. Eventough MNC Bank’s operational activities have no direct impact on the environment, Bank strives to manage and minimize the operational risks/impacts on the environment by participating in environmental conservation efforts implemented within the Bank’s internal environment, such as reducing the consumption of paper, electricity and gasoline. This policy is applied from head office to branch offices. MNC Bank realizes that this policy has positive impacts not only on the environmnet but also the creation of an efficiency culture in MNC Bank.
ActivityMNC Bank’s commiment to environmental responsibility, and as an effort to preserve nature and the environment is implemented in daily bank operations, both at the head office and branch offices, such as:
1. Paper reduction by using used paper and paperless operational and e-filing systems.
2. Electricity savings, use the energy savings for most of the office electronic equipments including computers and printers, turn off the lights during break hours, limited use of AC.
3. Water use savings. Information dissemination of electricity and water savings is implemented to provide employees awareness on efficiency.
4. Fuel consumption savings by controlling the use of fuel on operational and official vehicles. MNC Bank acknowledges that everybody must help to reduce and overcome the energy crisis.
environmental certificationUntil now, MNC Bank has no certification related to the environment.
352 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
MNC Bank memiliki komitmen yang tinggi terkait dengan ketenagakerjaan, kesehatan dan keselamatan kerja. Uraian tentang CSR terkait ketenagakerjaan, kesehatan dan keselamatan kerja diuraikan sebagai berikut.
KETEnAgAKErjAAn
Kebijakan Bagi MNC Bank, karyawan sebagai modal insani merupakan salah satu aset utama yang sangat penting dan harus dijaga dan diperlakukan dengan baik. Oleh karenanya, Bank telah menyusun kebijakan dalam tanggung jawab sosial di bidang ketenagakerjaan yang dijalankan dengan mematuhi peraturan perundang-udangan yang berlaku terkait bidang ketenagakerjaan. Dari sisi internal, MNC Bank telah memiliki pedoman manajemen SDM yang menjadi acuan bagi pengembangan SDM di Bank. Sedangkan dari sisi eksternal, acuan kebijakan ketenagakerjaan mengacu pada Undang-Undang Nomor 13 Tahun 2003 tentang Ketenagakerjaan. Hal ini untuk memastikan kepatuhan terhadap perundang-undangan yang berlaku dan meminimalkan terjadinya pelanggaran terhadap hak asasi manusia dalam hubungan kerja.
KegiatanNon-DiskriminasiBank tidak memiliki kebijakan yang membedakan perlakuan berdasarkan suku, ras, agama dan gender. Seluruh peraturan diberlakukan setara kepada seluruh karyawan tanpa membedakan suku, ras, agama dan gender. Demikian pula dengan kesempatan kerja yang ditawarkan berlaku bagi seluruh karyawan. Dalam berkarier, setiap karyawan diberikan kesempatan yang sama tanpa adanya diskriminasi. Penerapan prinsip non-diskriminasi ini menjadi dasar Bank berinteraksi dengan pegawai dalam kerangka menciptakan hubungan industrial yang harmonis. Hal ini juga untuk mewujudkan tanggung jawab sosial MNC Bank terhadap karyawan sebagai salah satu pemangku kepentingan yang memiliki pengaruh langsung terhadap keberlanjutan Bank.
RekruitmenBank menjalankan proses rekrutmen pegawai secara transparan. Calon pegawai yang memiliki kompetensi yang diperlukan memiliki peluang yang sama untuk dapat diterima. Penerimaan pegawai dilakukan sesuai tingkat kebutuhan yang mendukung pencapaian sasaran dan tujuan Bank dalam jangka pendek maupun jangka panjang.
Pendidikan dan PelatihanDalam rangka meningkatkan skill dan kinerja karyawan, MNC Bank secara rutin memberikan berbagai program pendidikan dan pelatihan peningkatan skill dan kapasitas karyawan untuk menunjang operasional Perusahaan. Setiap karyawan memiliki kesempatan yang sama untuk mengikuti program pendidikan dan pelatihan. Dalam pelaksanaanya, keikutsertaan dalam program pendidikan dan pelatihan ini harus disesuaikan dengan kebutuhan dan rencana pengembangan Bank.
MNC Bank has a high commitment related to employment, health and safety. The description of CSR related to employment, health and safety is described as follows
emPloyment
PolicyFor MNC Bank, employees as human capital are one of the main assets that are very valuable and must be treated properly. Therefore, the Bank has compiled a policy in social responsibility in the field of manpower that is carried out by complying with all prevailing legislation in the manpower sector. Internally, MNC Bank has HR management guidelines that become a reference for HR development. And externally, the reference to manpower policy refers to Law No. 13 Year 2003 concerning Labor. This is to ensure compliance with the prevailing legislation and minimize the occurrence of violations of human rights in employment relations.
ActivityNon-DiscriminationThe bank does not have a policy that distinguishes treatment based on ethnicity, race, religion and gender. All regulations are applied equally to all employees regardless of ethnicity, race, religion and gender. This also applied to the employment opportunity. Every employee is given the same opportunity without discrimination in pursuing their career. The application of the non-discrimination principle is the basis for the Bank to interact with employees to create harmonious relations. This also become MNC Bank’s social responsibility towards employees as one of the stakeholders that has a direct influence on the sustainability of the Bank.
RecruitmentThe Bank runs the employee recruitment process transparently. Prospective employees who have the necessary skills have equal opportunities to be accepted. Employee acceptance is carried out according to the level of needs that supports the achievement of the Bank’s goals and objectives in short and long terms.
Education and TrainingIn order to improve employees’ skills and performance, MNC Bank routinely holds various education and training programs to improve the skills and capacity of employees to support the Company’s operations. Every employee has the same opportunity to participate in education and training programs. In its implementation, participation in this education and training programs must be tailored to the needs and development of the Bank.
Csr terkaIt ketenagakerjaan,keSehatan dan keSelamatan kerja CSR Related to Employement, Health and Safety
353Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
RenumerationMNC Bank provides renumeration to every employee based on applicable regulations. Renumeration policy applied by MNC Bank is based on merit system that prioritizes skill, competence and integrity of employees. MNC Bank also adheres to all prevailing rules regarding remuneration, in which the remuneration amount of all employees is in accordance with or above the Minimum Wage standard applicable in the operational area of MNC Bank.
Health ServiceMNC Bank provides adequate employee’s health facilities. Under the terms of employment, MNC Bank has also included all employees and their families in the Social Security Administor for Health (BPJS Kesehatan).
Turnover RateIn 2018 the number of MNC Bank employees who resigned was 324 employees, or reached 32.37% of the total of Bank employees at the end of the year which reached 955 employees.
Remunerasi MNC Bank memberikan remunerasi kepada setiap karyawan berdasarkan ketentuan yang berlaku. Kebijakan remunerasi yang diterapkan MNC Bank adalah dengan menggunakan merit system yang mengedepankan skill, kompetensi dan integritas karyawan. MNC Bank juga mentaati semua aturan yang berlaku terkait remunerasi, di mana besaran remunerasi seluruh karyawan telah sesuai atau berada di atas standar Upah Minimum yang berlaku di wilayah operasional MNC Bank.
Pelayanan Kesehatan MNC Bank menyediakan fasilitas kesehatan karyawan yang memadai. Sesuai dengan ketentuan ketenagakerjaan, MNC Bank juga telah megikutsertakan seluruh karyawan dan keluarganya dalam progran Badan Penyelenggara Jaminan Sosial Kesehatan (BPJS Kesehatan). Tingkat Perpindahan (Turnover) Karyawan Pada tahun 2018 tercatat 324 karyawan MNC Bank yang berhenti, atau mencapai 32,37% dari total karyawan akhir tahun yang mencapai 955 karyawan.
354 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Kegiatan Internal Karyawan MNC Bank juga memberi fasilitas kepada karyawan dalam berbagai kegiatan internal yang tentunya berdampak positif pada kesehatan jasmani dan rohani, antara lain olahraga, kegiatan keagamaan, gathering dan kegiatan lain baik rutin ataupun tidak rutin.
KESEhATAn KebijakanMNC Bank menyadari kesehatan karyawan merupakan salah satu faktor utama suksesnya kegiatan operasional Bank. Oleh karenanya, MNC Bank berkomitmen menjaga kesehatan karyawan dengan memberikan fasilitas kesehatan karyawan yang memadai, sebagaimana ditetapkan dalam Surat Keputusan Direksi No.063/SK.HRG/III/2015 tanggal 30 Maret 2015 tentang Penetapan Benefit dan Fasilitas Karyawan MNC Bank. Sesuai dengan ketentuan ketenagakerjaan, MNC Bank juga telah megikutsertakan seluruh karyawan dan keluarganya dalam program Badan Penyelenggara Jaminan Sosial Kesehatan (BPJS Kesehatan).
KegiatanMNC Bank menyediakan layanan kesehatan bagi karyawan beserta keluarga inti yang diharapkan dapat berdampak pada perbaikan produktivitas karyawan. Adapun layanan kesehatan yang menjadi tanggungan Perseroan diantaranya:1. Rawat inap2. Rawat jalan3. Penggantian kacamata4. Medical Check up5. Penggantian biaya persalinan hingga anak ke-3
Di samping itu, untuk meningkatkan kesehatan karyawan, MNC Bank bersama MNC Peduli dan unit bisnis lainnya menyelenggarakan berbagai kegiatan seperti donor darah dan pemeriksaan kesehatan.
KESELAMATAn KErjA
KebijakanMNC Bank menghormati hak karyawan untuk bekerja di lingkungan yang sehat dan aman. Oleh karenanya, Bank senantiasa berupaya menjaga suasana lingkungan kerja yang aman dan nyaman guna mendukung atmosfir positif bagi kesehatan dan keselamatan kerja karyawan yang diharapkan dapat meningkatkan kinerja. Di samping itu, Bank juga melakukan kegiatan operasional sesuai dengan kaidah yang berlaku dengan target zero accident. Selama 2018, tidak terdapat kecelakaan kerja yang menimpa karyawan MNC Bank.
Employee Internal ActivityMNC Bank also provides facilities to employees in various internal activities which of course have a positive impact on physical and spiritual health, including sports, religious activities, gatherings and other activities both routine and non-routine.
heAlthPolicyMNC Bank realizes that the health of employees is one of the main factors in the success of the Bank’s operational activities. Therefore, MNC Bank is committed to maintaining the health of employees by providing adequate employee health facilities, as stipulated in the Directors Decree No.063/SK.HRG/III/2015 dated March 30, 2015 on MNC Bank Employees Benefits and Facilities. Under the term of employment, MNC Bank has also included all employees and their families in the Social Security Administrator for Health (BPJS Kesehatan).
ActivityMNC Bank provided healthcare services for employees and their dependants which are expected to have impact on improving employee productivity. The health services covered by the Bank include:1. Inpatient care2. Outpatient care3. Prescription glasses4. Medical Check up5. Reimbursement of childbirth up to the third child
In addition, to improve employee health, MNC Bank, together with MNC Peduli and other business units, holds various activities such as blood drive and health checks.
work sAfety
PolicyMNC Bank respects the right of employees to work in a healthy and safe environment. Therefore, the Bank always strives to maintain a safe and comfortable working environment to support a positive atmosphere for employee health and safety which can improve performance. In addition, the Bank also conducts operational activities in accordance with applicable rules with zero accident targets. Throughout 2018, there were no work accidents affecting MNC Bank employees.
355Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
KegiatanMNC Bank senantiasa mengutamakan untuk menciptakan lingkungan kerja yang aman bagi seluruh karyawan dengan terus melakukan sosialisasi program keselamatan kerja. Untuk lokasi kantor, MNC Bank sudah menggunakan gedung yang telah memiliki standar keselamatan. Setiap gedung dilengkapi dengan perangkat keselamatan seperti apar, smoke detector, diesel pump dan tangga darurat.
Di samping itu, MNC Bank juga telah mengikutsertakan seluruh karyawan dalam program BPJS Ketenagakerjaan yang memberikan jaminan sosial sebagai berikut:1. Jaminan Hari Tua (JHT)2. Jaminan Kecelakaan Kerja (JKK)3. Jaminan Kematian (JK)
Terkait dengan program keselamatan kerja, MNC Bank secara rutin berpartisipasi aktif dalam melakukan kegiatan berikut yang diselenggarakan oleh pemilik bangunan di mana MNC Bank beroperasi. Kegiatan antara lain:1. Simulasi kebakaran dan gempa bumi;2. Simulasi P3K;3. Pendataan kelayakan fasilitas kantor.
ActivityCreating a safe working environment for all employees is a priority of MNC Bank and it is achived by continuing to disseminate information on safety program. For office premises, MNC Bank uses buildings that already have safety standards. Each building is equipped with safety devices such as fire extinguishers, smoke detectors, diesel pumps and emergency staircases.
In addition, MNC Bank has also included all employees in the BPJS program that provides social security as follows:
1. Retirement Insurance2. Work Accident Insurance3. Death Insurance
In relation to work safety program, MNC Bank routinely and actively carries out the following activities, which are held by the building owner where MNC Bank operates. These activities, among others, are: 1. Simulation of fire and earthquake;2. Simulation of First Aid;3. Data collection on the decency of office facilities.
356 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Csr terkaIt pengeMbangan SoSIal kemaSyarakatanCSR Related to Social Community Development
KEBijAKAnMasyarakat merupakan salah satu fokus utama MNC Bank dalam menjalankan kegiatan usaha. Bank menyadari bahwa keberadaan masyarakat yang sejahtera dengan kondisi kesehatan yang terjamin akan mempengaruhi kelangsungan bisnis Bank. Oleh karena itu, Bank menaruh perhatian terhadap masyarakat dengan menyelenggarakan beberapa kegiatan dengan mengedepankan pada 3 (tiga) bidang, yakni kesehatan, pendidikan dan keagamaan. Dalam beberapa tahun terakhir, kegiatan CSR Perusahaan pada bidang-bidang tersebut terus digiatkan dan ditingkatkan untuk dapat memberikan kontribusi yang positif, baik terhadap aspek kepedulian sosial Bank, maupun bagi masyarakat sendiri. Untuk mencapai tujuan tersebut dan memperluas jangkauan serta manfaat dari kegiatan CSR, MNC Bank semakin memperkuat sinergi dengan unit bisnis MNC Group di bawah bendera MNC Peduli.
KEgiATAnSepanjang 2018, total alokasi anggaran yang dipergunakan untuk mendukung kegiatan CSR MNC Bank adalah sebesar Rp191.401.255. Dana tersebut dipergunakan untuk kegiatan CSR yang diprioritaskan pada bidang kesehatan, pendidikan, keagamaan, dan bantuan korban bencana alam.
PolicyThe community is one of the main focuses of MNC Bank in carrying out business activities. The bank realizes that the existence of a prosperous community with good health condition will affect the Bank’s business continuity. Therefore, the Bank considers it is necessary to organize activities by prioritizing in 3 (three) areas, namely health, education and religious areas. In the past few years, the Company’s CSR activities in these fields have been intensified and enhanced to be able to make a positive contribution, both for the Bank’s social care, as well as for the community. To achieve these goals and to expand the reach and benefits of CSR activities, MNC Bank strengthens its synergy with MNC Group business units under the MNC Cares banner.
ActiVityThroughout 2018, the total budget allocated to support MNC Bank’s CSR activities was Rp191,401,255. The funds were used for CSR activities prioritized in the areas of health, education, religion, and to help the victims of natural disasters.
No Nama Kegiatan Name of Activity
LokasiLocation
1 Donor Darah MNC “Let’s Share the Love with Your Blood”MNC Blood Drive themed “Let’s Share the Love with Your Blood” iNews Tower, Jakarta
2 Edukasi Literasi Anak Zaman Now Literacy Education on Children in Today’s Era MNC Center, Jakarta
3 Santunan Anak Yatim dan Buka Puasa Bersama Ramadhan MNC BankDonation to Orphans and Breaking-the-Fast Gathering during Ramadhan at MNC Bank
Seluruh Daerah Operasional MNC BankAll of MNC Bank’s Operational Areas
4 Donasi Hewan Idul AdhaDonation of Livestock during Idul Adha
Masjid Bimantara, JakartaBimantara Mosque, Jakarta
5 Edukasi Literasi Anak Zaman Now (Bulan Inklusi)Literacy Education on Children in Today’s Era All of MNC Bank’s Operational Areas
6 Donasi Panti Sosial Tresna Werdha Budi MuliaDonation to Werdha Budi Mulia Tresna Social Homes PTSW Budi Mulia, Jakarta
7 Donasi Panti AsuhanDonation to Orphanage PA Dorkas, Jakarta
8 Donasi Panti DifabelDonation to Home of People with Disability Wisma Tuna Ganda Palsigunung, Depok
9 Sumbangan Bencana Sulteng dan NTB untuk Yayasan Jalinan KasihDonation to Central Sulawesi and NTB Victicms channeled to Jalinan Kasih Foundation iNews Tower, Jakarta
10 Kegiatan CSR Edukasi HUT MNC GroupCSR Education Activity in commemorating MNC Group Anniversary
Seluruh Daerah Operasional MNC GroupMNC Group’s All Operational Areas
11 Sumbangan Ibadah Perayaan Natal Bersama Pasar Modal Gedung Bursa Efek Indonesia Donation to Christmas Religious Festivity with Capital Market of Indonesia Stock Exchange
Gedung BEI, JakartaIDX Building, Jakarta
12 Perayaan Natal 2018 di MNC CenterChristmas Celebration 2018 at MNC Center iNews Tower, Jakarta
357Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Adapun ruang lingkup kegiatan CSR MNC Bank dapat diuraikan sebagai berikut:1. Bidang kesehatan Pelaksanaan program CSR terkait bidang kesehatan
antara lain: program pengobatan gratis dan program donor darah yang diadakan secara rutin oleh Bank baik sendiri maupun bekerja sama dengan unit bisnis lain di bawah naungan MNC Group. Kegiatan donor darah sudah menjadi bagian dari CSR di MNC Group yang diselenggarakan secara rutin, dengan harapan dapat memberikan manfaat yang sebesar-besarnya kepada mereka yang betul-betul membutuhkan. Di samping itu, kegiatan donor darah diyakini akan memberikan dampak positif bagi para peserta donor, yaitu pola hidup sehat.
2. Bidang Pendidikan/Edukasi Kepada Masyarakat Kegiatan CSR di bidang pendidikan meliputi pemberian
edukasi kepada masyarakat terkait edukasi dan literasi keuangan yang dilakukan di sekolah-sekolah sesuai dengan roadmap yang dikeluarkan oleh OJK. Kegiatan ini merupakan salah satu program tahunan MNC Bank dalam rangka mendukung program inklusi keuangan yang digalakkan oleh OJK. Tujuannya adalah untuk memberikan wawasan kepada masyarakat Indonesia mengenai pentingnya pemahaman terhadap aspek keuangan dan perbankan, serta menumbuhkan kesadaran di masyarakat Indonesia tentang pentingnya pengelolaan keuangan sejak usia dini melalui lingkungan rumah dan pendidikan formal.
Selama tahun 2018, MNC Bank menyelenggarakan kegiatan edukasi dan literasi bekerja sama dengan beberapa SD, SMP, SMA, SMK serta Universitas di seluruh daerah operasional MNC Bank. Kegiatan tersebut diikuti oleh ribuan peserta yang terdiri dari pelajar dan mahasiswa.
Adapun kegiatan edukasi dan literasi MNC Bank selama 2018 sebagai berikut:
The scope of MNC Bank’s CSR activities can be described as follows:1. Health Sector The implementation of CSR programs related to the
health sector includes: free medical treatment and blood donation programs that are routinely held by the Bank either alone or in collaboration with other business units under the MNC Group. Blood donation activities have become part of the CSR in MNC Group which is held regularly, with the hope that it can provide maximum benefit to those who really need it. Furthermore, blood donation are believed to have a positive impact on donor participants, which is a healthy lifestyle.
2. Education Sector CSR activities in the education sector which include
providing education in financial literacy to the community, carried out in schools in accordance with the roadmap issued by the OJK. This activity is one of MNC Bank’s annual programs in order to support financial inclusion programs promoted by the OJK.
The goal is to provide insight to Indonesians regarding the importance of understanding the financial and banking aspects, and to raise awareness in Indonesian society about the importance of financial management since early age through home environment and formal.
Throghout 2018, MNC Bank held education and literacy related activities with some primary, junior high, senior high and vocational schools, as well as with universities in MNC Bank’s all operational areas. The activities saw the participation of thousands of students and university students.
The following are MNC Bank’s education and literacy related activities held throughout 2018:
KotaCity
Nama SekolahName of School
Target PesertaTarget of Number of
Participants
RealisasiRealization
Jakarta SDN 01 GondangdiaGondangdia 01 Primary State School
30 Siswa 30 Students
30 Siswa30 Students
Jakarta Universitas Wira BuanaWira Buana University
30 Siswa30 Students
28 Siswa28 Students
Tangerang Sekolah Umum Surya BangsaSurya Bangsa School
50 Siswa50 Students
100 Siswa100 Students
Bogor SMP/SMK Wira BuanaWira Buana Junior High School and Vocational School
90 Siswa90 Students
80 Siswa80 Students
Jakarta STEI Indonesia – RawamangunEconomics Academy Indonesia - Rawamangun
50 Siswa50 Students
100 Siswa100 Students
Bogor SD PapandayanPapandayan Primary School
100 Siswa100 Students
130 Siswa130 Students
358 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
3. Bidang Keagamaan Dalam rangka kepedulian terhadap sesama umat beragama,
MNC Bank secara rutin memberikan sumbangan pada kegiatan hari besar keagamaan. Dalam rangka bulan Ramadhan 2018, MNC Bank menggelar acara buka puasa anak yatim sekaligus pemberian santunan kepada anak yatim di lingkungan kantor pusat MNC Bank.
Dalam pemberian santunan, Bank bekerja sama dengan Baznas. Selain itu MNC Bank juga berperan aktif dalam distribusi sumbangan hewan qurban pada perayaan Hari Raya Idul Adha bersama MNC Peduli. Bank juga berkontribusi pada kegiatan perayaan Natal para karyawan serta industri seperti penyelenggaraan kegiatan natal di Bursa Efek Indonesia.
3. Religious Event In order to expressing its care for fellow religious people,
MNC Bank regularly contributes to religious festivities. In celebrating Ramadhan 2018, MNC Bank holds a fasting break charity event with orphans in MNC head office.
In providing the donation, the Bank collaborated with Baznas. In addition, MNC Bank, together with MNC Peduli, also actively took role in distributing the donation of sacrifice animal in commemorating Idul Adha. The Bank also contributed to Christmas celebration for employees as well as with industry such as holding a Christmas celebration at Indonesia Stock Exchange.
KotaCity
Nama SekolahName of School
Target PesertaTarget of Number of
Participants
RealisasiRealization
Bogor Universitas Nusa BangsaNusa Bangsa University
100 Siswa100 Students
106 Siswa106 Students
Surakarta SMPN 1515 State Junior High School
50 Siswa50 Students
50 Siswa50 Students
Yogya SMA Budia WacanaBudia Wacana Senior High School
100 Siswa100 Students
109 Siswa109 Students
Semarang SMP Maria GorettiMaria Goretti Junior High School
100 Siswa 100 Students
101 Siswa101 Students
Surabaya Sekolah CiputraCiputra School
100 Siswa100 Students
97 Siswa97 Students
Pekalongan SDN 1 SampanganSampangan 1 Primary State School
100 Siswa100 Students
86 Siswa86 Students
Denpasar Sinar Cahaya BangsaSinar Cahaya Bangsa School
60 Siswa60 Students
51 Siswa51 Students
Medan SD Methodist 3Methodist 3 Primary School
100 Siswa100 Students
100 Siswa100 Students
Pekanbaru SD Dharmaloka & SD Multi TalentaDharmaloka Primary School & Multi Talenta Primary School
100 Siswa100 Students
100 Siswa100 Students
Batam SD BasicBasic Primary School
100 Siswa100 Students
200 Siswa200 Students
Jambi SMU N 6 KOTA JAMBIState Senior High School 6 Jambi City
40 Siswa40 Students
42 Siswa42 Students
Balikpapan TK/SD Islam Al-AzharIslamic Kindergarten/Primary School of Al-Azhar
50 Siswa50 Students
51 Siswa51 Students
Samarinda SD Multi TalentaMulti Talenta Primary School
50 Siswa50 Students
56 Siswa56 Students
Tarakan SMA Katolik Don BoscoDon Bosco Catholic Senior High School
100 Siswa100 Students
103 Siswa103 Students
Makassar SD Negeri Mangkura Mangkura Primary State School
50 Siswa50 Students
50 Siswa50 Students
359Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
4. Donasi Umum Bantuan kemanusiaan merupakan salah satu fokus
perhatian MNC Bank dalam mewujudkan aspek tanggung jawab sosial perusahaan, melalui uluran tangan untuk membantu meringankan penderitaan sesama yang sedang dilanda musibah atau kesulitan. Program ini memiliki tujuan mulia untuk membantu meringankan beban warga masyarakat yang menjadi korban termasuk bantuan untuk karyawan Bank yang turut terkena dampak bencana.
Dengan pertimbangan kemanusiaan, Bank juga melakukan kegiatan amal yang bersifat filantropi secara selektif yang dilaksanakan di bawah naungan MNC Group melalui “MNC Peduli”.
Adapun kegiatan amal dan bantuan bencana yang dilakukan Perusahaan selama 2018, antara lain:a. Bantuan sembako untuk peningkatan taraf hidup
warga di wilayah terdampak bencana di Lombok, Nusa Tenggara Barat.
b. Bantuan bagi korban bencana gempa dan tsunami di Sulawesi Tengah yang disalurkan melalui “MNC Peduli”.
c. Donasi Panti Sosial Tresna Werdha Budi Mulia
d. Donasi Panti Asuhan Dorkase. Donasi Panti Difabel Tuna Ganda Palsigunung
4. Public Donation Humanitarian aid is one of the focuses of MNC Bank’s
attention in realizing the corporate social responsibility by helping others who are hit by calamities or difficulties. This program is intended to help alleviating the burden on the society, including assistance for Bank employees who were also affected by the disaster.
With humanitarian considerations, the Bank also conducts selective philanthropic charitable activities carried out under the MNC Group through “MNC Peduli”.
The charity and disaster relief activities carried out by the Company during 2018, among others:a. Basic food assistance to improve the standard of
living of the residents in disaster-affected areas in Lombok, West Nusa Tenggara.
b. Assistance for victims of the earthquake and tsunami disaster in Central Sulawesi provided through “MNC Care”.
c. Donation to Social Home Care of Tresna Werdha Budi Mulia
d. Donation to Dorkas Orphanagee. Donation to Tuna Ganda Palsigunung, a social
home care for people with disability.
360 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Csr terkaIt produk dan naSaBah CSR Related to Products and Customers
KEBijAKAnSebagai salah satu stakeholder yang penting bagi MNC Bank, nasabah menjadi penentu dalam menghadapi persaingan yang semakin ketat di bisnis perbankan. Oleh karena itu, penting bagi MNC Bank untuk memberikan layanan yang terbaik kepada nasabah, mulai dari penyediaan produk, informasi, penanganan keluhan nasabah, hingga perlindungan nasabah.
Lahirnya Undang-undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen memberikan kepastian kepada konsumen terhadap mutu, jumlah, dan keamanan barang dan/atau jasa yang diperolehnya di pasar sehingga konsumen merasa nyaman dan aman dalam memakai suatu barang atau jasa yang diperolehnya. MNC Bank senantiasa mengutamakan keamanan, kenyamanan dan kepuasan konsumen dengan memberikan layanan terbaik. Bank tidak hanya menjual produk perbankan yang aman dan bermanfaat bagi masyarakat namun juga memberikan perlindungan maksimal kepada konsumen (product liability). Bentuk komitmen Bank terhadap perlindungan konsumen, mencakup antara lain: Jaminan Perlindungan Simpanan Nasabah dan Layanan Transaksi Perbankan MNC Bank (Call Center).
KEgiATAnMNC Bank berkomitmen untuk memberikan layanan terbaik kepada setiap nasabah. Bukan hanya dari segi produk tapi juga layanan yang terpercaya, konsisten, aman dan totalitas memenuhi seluruh kebutuhan masyarakat. Hal ini merupakan wujud dari pemenuhan tanggung jawab MNC Bank kepada nasabah. Beberapa langkah yang dilakukan untuk mewujudkan tersebut yaitu: 1. Memberikan produk yang lengkap dan terintegrasi. 2. Menjamin kerahasiaan nasabah. 3. Menyediakan layanan call center 24 jam sehari dan 7 hari
seminggu untuk memberikan informasi layanan hingga pengaduan atas layanan kepada nasabah.
4. Menyediakan informasi secara update pada website MNC Bank yang dapat diakses oleh seluruh pemangku kepentingan Bank.
5. Menyediakan media sosial yang dapat diakses oleh seluruh nasabah untuk memperoleh informasi dan memberikan aspirasinya terhadap MNC Bank.
Perlindungan nasabahSelain memberikan produk dan layanan yang terbaik, MNC Bank juga memperhatikan pengananan keluhan nasabah dan perlindungan nasabah. Saat ini, MNC Bank telah memiliki kebijakan di bidang perlindungan nasabah sebagai berikut:
1. Membuat kesepakatan penyelesaian (Service Level Agreement) atas setiap kasus yang ada.
2. Memiliki aplikasi COMMONE yang digunakan untuk mengadministrasikan, mengelola dan menyelesaikan pengaduan nasabah, dengan tujuan agar seluruh pengaduan nasabah yang masuk dapat diselesaikan tepat waktu sesuai Service Level Agreement (SLA) yang telah disepakati oleh masing-masing unit penyelesaian masalah.
PolicyThe customers are part of MNC Bank’s key stakeholders. Customers determine the Bank’s success in facing the increasingly fierce competition in the Banking business. As such, it is important for MNC Bank to provide the best service to customers, ranging form providing products, information, handling customer complaints, to customer protection. Since the Law No. 8 Year 1999 on Consumer Protection is in effect, it provides assurance to consumers about the quality, quantity and safety of goods and/or services they obtain in market. MNC Bank always puts the safety, comfort and customer satisfaction by providing the best service. The Bank is not only sells the banking products that are safe and beneficial to the community but also provides maximum protection to consumers (product liability). The Bank’s commitment to consumer protection includes, among others: Guaranteed Customer Deposit Protection and Banking Transaction Services MNC Bank (Call Center).
ActiVityMNC Bank is committed to providing the best service to every customer. Not only in terms of products but also trusted, consistent, secure and comprehensive service that meet the market needs. This is a manifestation of MNC Bank’s responsibility to customers. The steps taken to make it happen are:
1. Giving complete and integrated products. 2. Ensuring customer confidentiality. 3. Providing call center service 24 hours a day and 7 days
a week in order to deliver service information and responding to customer complaints on given services.
4. Providing updated information on the MNC Bank website.
5. Providing social media that can be accessed by all customers to obtain information and sharing their aspirations with MNC Bank.
consumer ProtectionIn addition to providing the best products and services, MNC Bank is also taking into great consideration the customer complaints and customer protection. Currently, MNC Bank already has the following policies in the customer protection:1. Developing Service Level Agreement for each case.
2. Having a COMMONE application that is used to administer, manage and resolve customer complaints. The aim is to resolve all customer complaints on time and in accordance with the Service Level Agreement (SLA) agreed upon by each unit.
361Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Jenis Pengaduan NasabahType of Customer Complaint
Jumlah Pengaduan 2017Number of Complaints in 2017
Jumlah Pengaduan 2018Number of Complaints in 2018
Bunga/Bagi Hasil/Margin KeuntunganInterest/Profit Sharing/Profit Margin 19 0
Denda/PenaltiFine/Penalty 31 0
Biaya Administrasi/Provisi TransaksiAdministration/Transaction Provision Fee 21 0
Kegagalan/Keterlambatan Transaksi Transaction Failure/Delay 622 574
Jumlah Tagihan/Saldo RekeningAmout Of Charge/Account Balance 30 100
Lain-LainOthers 134 450
JumlahTotal 857 124
3. Membuat saluran “contact us” pada website untuk memudahkan nasabah menyampaikan keluhan dan masukannya kepada Bank.
4. Sosialisasi nomor telepon MNC Bank Call Center melalui seluruh saluran penyampaian informasi.
Berikut adalah kasus keluhan nasabah yang masuk dan dapat diselesaikan sepanjang 2018:
3. Creating a “contact us” channel on the website to make it easier for customers to submit their complaints and feedback to the Bank.
4. Information dissemination of MNC Bank Call Center telephone number through all information delivery channels.
The customer complaints submitted and completed throughout 2018:
KategoriCatagory 2017
2018
JumlahTotal
Kasus Selesai s.d Desember
2018%
Kasus Belum Selesai s.d Desember
2018
% Kasus Belum Selesai SLA
KartuCredit Card 423 528 494 94% 34 7%
Sanggah Transaksi &
Fraud
122 HK & 32 HK
PerbankanBanking 434 596 596 100% 0 0% - -
DiselesaikanCompleted 857 1124 1090 97% 34 3%
Kasus pengaduan yang belum dapat diselesaikan hingga akhir Desember 2018, dikarenakan pengaduan masuk pada paruh kedua dari bulan Desember. Untuk seluruh pengaduan yang belum terselesaikan hingga akhir tahun, telah diselesaikan pada bulan Januari di tahun berikutnya.
Some complaints had not been resolved by the end of December 2018 because the complaint was submitted in the second half of December. All complaints unresolved untill the end of the year have been completed in January the following year.
362 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
KErAhASiAAn nASABAhMNC Bank merupakan lembaga keuangan yang mengutamakan kepercayaan nasabah. Untuk itu, MNC Bank berkomitmen untuk menjaga kepercayaan dan kerahasiaan nasabah yang mengacu pada ketentuan berikut:1. Undang-Undang Nomor 7 Tahun 1992 tentang
Perbankan.2. Undang-Undang Republik Indonesia Nomor 10 Tahun
1998 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992.
3. PBI No.2/19/PBI/2000 tentang Persyaratan dan Tata Cara Pemberian Perintah atau Izin Tertulis Membuka Rahasia Bank Terkait kebijakan kerahasiaan Nasabah, yang dimaksud rahasia Bank menurut Pasal 1 Angka 28 Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 tentang Perubahan atas Undang-Undang Nomor 7 Tahun 1992 tentang perbankan bahwa Rahasia Bank adalah segala sesuatu yang berhubungan dengan keterangan mengenai nasabah penyimpanan dan simpanannya. Keterangan mengenai nasabah selain sebagai Nasabah Penyimpan, bukan merupakan keterangan yang wajib dirahasiakan Bank. Akan tetapi, terdapat beberapa pengecualian bagi Bank untuk memberikan rahasia Bank sejalan dengan Pasal 40 ayat 1 Undang-undang perbankan bahwa Bank wajib merahasiakan keterangan mengenai nasabah penyimpan dan simpanannya, kecuali dalam hal sebagaimana dimaksud dalam Pasal 41, Pasal 41A, Pasal 42, Pasal 43, Pasal 44 dan Pasal 44A. Beberapa pengecualian bagi Bank untuk memberikan rahasia Bank itu, yaitu dalam hal-hal berikut:a. Untuk kepentingan perpajakan Pimpinan Bank
Indonesia atas permintaan Menteri Keuangan berwenang mengeluarkan perintah tertulis kepada Bank agar memberikan keterangan dan memperlihatkan bukti-bukti tertulis serta surat-surat mengenai keadaan keuangan Nasabah Penyimpan tertentu kepada pejabat pajak (Pasal 41 ayat (1) UU Perbankan).
b. Untuk penyelesaian piutang Bank yang sudah diserahkan kepada Badan Urusan Piutang dan Lelang Negara/Panitia Urusan Piutang Negara. Pimpinan Bank Indonesia memberikan izin kepada pejabat Badan Urusan Piutang dan Lelang Negara/ Panitia Urusan Piutang Negara untuk memperoleh keterangan mengenai simpanan nasabah debitur (Pasal 41A ayat (1) UU Perbankan).
c. Untuk kepentingan peradilan dalam perkara pidana. Pimpinan Bank Indonesia dapat memberikan izin kepada Polisi, Jaksa atau Hakim untuk memperoleh keterangan dari Bank mengenai simpanan tersangka atau terdakwa pada Bank (Pasal 42A ayat (1) UU Perbankan).
d. Dalam perkara perdata antara Bank dengan nasabahnya. Direksi Bank yang bersangkutan dapat menginformasikan kepada pengadilan tentang keadaan keuangan nasabah yang bersangkutan dan
cUstomer confiDentiAlityMNC Bank is a financial institution that prioritizes customer trust. Hence, MNC Bank is committed to maintaining the trust and confidentiality of its customers in accordance with the following regulations:1. Law No. 7/1992 on Financial Sector.
2. Law of Republic of Indonesia No. 10/1998 on amendment of Law No. 7/1992
3. Regulation of Bank Indonesa (PBI) No.2/19/PBI/2000 regarding the Requirements and Procedures to Administer Written Order and Authorization to Disclose the Bank’s Confidential Information on Customers. The definition of Bank’s confidential information according to the Law of the Republic of Indonesia No. 7/1992 Article 1 No. 28 on Bank concerning amendment to Law No. 7/1992 on Banking that the Bank’s Confidentiality is any information about deposit customers and their account. The Bank is not mandatorily required to be secretive on the information on customers other than as Depositing Customer. However, there are some exceptions for the Banks to provide confidential data in line with Banking Law Article 10 paragraph 1 that states the Banks are required to keep confidential information about depositors and their deposits, except in the case or Article 41, Article 41A, Article 42, Article 43, Article 44 and Article 44A. Some exception for the Banks to provide Bank confidentials are, in the following cases:
a. For taxation purposes, the Chairman of Bank Indonesia at the request of the Minister of Finance is autorized to issue a written order to the Bank to provide information and show written evidence and letters regarding the financial condition of a particular Depositor to the tax official (Article 41 paragraph (1) of the Banking Law).
b. To settle Bank receivables that have been submitted to State Receivables Committee, the leadership of Bank Receivables Committee to obtain information on the deposits of a debtor (Article 41A paragraph(1) of the Banking Law).
c. In case of the judiciary in a criminal proceedings, Bank Indonesia leadership may grant permission to the Police, Prosecutor or Judge to obtain information from the Bank regarding Bank deposit of a suspect or defendant (Article 42A paragraph (1) of the Banking Law)
d. In a civil case between the Bank and its customers, the concerned Bank’s Board of Directors may notify the court of the financial condition of the concerned customer and provide other information relevant to
363Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
memberikan keterangan lain yang relevan dengan perkara tersebut (Pasal 43 Undang-Undang no.7 Tahun 1992 tentang perbankan).
e. Dalam rangka tukar menukar informasi antar Bank Direksi Bank dapat memberitahukan keadaan keuangan nasabahnya kepada Bank lain (Pasal 44 Undang-Undang No.7 Tahun 1992 tentang Perbankan).
f. Atas permintaan, persetujuan atau kuasa dari nasabah penyimpan yang dibuat secara tertulis, Bank wajib memberikan keterangan mengenai simpanan nasabah penyimpan pada Bank yang bersangkutan kepada pihak yang ditunjuk oleh nasabah penyimpan tersebut (Pasal 44A ayat (1) UU Perbankan).
g. Dalam hal nasabah penyimpan telah meninggal dunia. Ahli waris yang sah dari nasabah penyimpan yang bersangkutan berhak memperoleh keterangan mengenai simpanan nasabah penyimpan tersebut (Pasal 44A ayat (2) UU Perbankan). Terkait kebijakan agar Bank merahasiakan keterangan mengenai nasabah penyimpan dan simpanannya juga diatur dalam Pasal 2 ayat (1) PBI Nomor 2/19/PBI/2000 tentang Persyaratan dan Tata Cara Pemberian Perintah atau Izin Tertulis Membuka Rahasia Bank: “Bank wajib merahasiakan segala sesuatu yang berhubungan dengan keterangan mengenai Nasabah Penyimpan dan Simpanan Nasabah”.
4. Namun kewajiban untuk menjaga kerahasiaan nasabah tidak berlaku untuk [Pasal 2 ayat (4) PBI 2/19/2000]:
a. Kepentingan perpajakan;b. Penyelesaian piutang Bank yang sudah diserahkan
kepada Badan Urusan Piutang dan Lelang Negara/Panitia Urusan Piutang Negara;
c. Kepentingan peradilan dalam perkara pidana;d. Kepentingan peradilan dalam perkara perdata
antara Bank dengan Nasabahnya;e. Tukar menukar informasi antar Bank;f. Permintaan persetujuan atau kuasa dari Nasabah
Penyimpan yang dibuat secara tertulis;g. Permintaan ahli waris yang sah dari Nasabah
Penyimpan yang telah meninggal dunia.
CALL CEnTEr 1500188MNC Bank selalu berusaha untuk mengimplementasikan program-program yang dapat memenuhi harapan maupun kepuasan nasabah. Salah satunya adalah dengan menyediakan fasilitas dan media komunikasi agar nasabah dapat menyampaikan keluhan ataupun masukan terkait dengan produk dan/atau jasa yang diberikan oleh MNC Bank. Nasabah dapat menyampaikan keluhan maupun masukan tersebut melalui Call Center MNC Bank yang memberikan layanan perbankan 24 jam sehari dan 7 hari seminggu dan dapat diakses dengan menghubungi nomor 1500188. Melalui layanan ini nasabah dapat memperoleh informasi produk, informasi transaksi dan pelayanan sekaligus menyampaikan pengaduan atas layanan kepada nasabah.
the case (Article 43 of Law No. 7/ 1992 concerning Banking).
e. In order to exchange information between Banks, Bank Directors may notify the financial condition of their customers to other Banks (Article 44 of Law No. 7 of 1992 on Banking).
f. Upon request, approval or authorization of depositor made in writing, the Bank is required to provide information concerning the savings of depositor in the Bank to the party appointed by the depositor (Article 44A paragraph (1) of the Banking Law).
g. In the event of death of the depositor, the legitimate heirs of the depositor in concern are entitled to obtain information about the depositor and his/her savings (Article 44A paragraph (2) of the Banking Law). The policy for Banks to keep confidential information on depositors and his/her savings is also stipulated in Regulation of Bank Indonesia No. 2/19/PBI/2000 Article 2 paragraph (1) concerning Written Orders and Authorization to Disclose Banking Confidential Information: “Banks are required to disclose all matters relating to information concerning the Depositing Customer and his/her savings”.
4. However, the obligation to maintain customer confidentiality does not apply to [Article 2 paragraph (4) of PBI 2/19/2000]:a. Taxation interest;b. Settlement of Bank receivables already submitted
to State; Receivables and Auction Agency/State Receivables Committee;
c. The judiciary interests in a criminal case;d. The court interests in a civil case between the Bank
and its Client;e. Exchange of information between Banks;f. Request of consent or authorization of the Depositor
made in writing;g. Request of the legitimate heirs of a late Depositor.
cAll center 1500188MNC Bank strives to implement programs to meet customers’ expectations and satisfaction. One of them is by providing facilities and communication media so that customers can sumbit complaints or input related to products and/or services provided by MNC Bank. Customers may submit complaints or feedback through MNC Bank Call Center that provides Banking service 24 hours a day and 7 days a week and can be accessed by calling 1500188. Through this hotline any customer can obtain product information, transaction and service information as well as submit complaints regarding the Bank’s services.
364 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
pengeloMpokan juMlah Dan kualItas aSet produktIf Serta ckpn Quantity and Quality of Earning Assets and Provision for Loan Impairment Losses (CKPN)
365Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
366 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
referensI Seojk no. 30/Seojk.04/2016 REFERENCE SEOJK NO. 30/SEOJK.04/2016
Materi & Penjelasan HalamanPage Subject & Explanation
I. Ikhtisar Data Keuangan Penting I. Highlights of Key Financial Information
1. Ikhtisar Data Keuangan Penting memuat informasi keuangan yang disajikan dalam bentuk perbandingan selama 3 (tiga) tahun buku atau sejak memulai usahanya jika Emiten atau Perusahaan Publik tersebut menjalankan kegiatan usahanya kurang dari 3 (tiga) tahun, paling sedikit memuat:
a. Pendapatan/penjualan;b. Laba bruto;c. Laba (rugi);d. Jumlah laba (rugi) yang dapat diatribusikan
kepada pemilik entitas induk dan kepentingan non pengendali;
e. Total laba (rugi) komprehensif;f. Jumlah laba (rugi) komprehensif yang dapat
diatribusikan kepada pemilik entitas induk dan kepentingan non pengendali;
g. Laba (rugi) per saham;h. Jumlah aset;i. Jumlah liabilitas;j. Jumlah ekuitas;k. Rasio laba (rugi) terhadap jumlah aset;l. Rasio laba (rugi) terhadap ekuitas;m. Rasio laba (rugi) terhadap pendapatan/
penjualan;n. Rasio lancar;o. Rasio liabilitas terhadap ekuitas;p. Rasio liabilitas terhadap jumlah aset; danq. Informasi dan rasio keuangan lainnya yang
relevan dengan Emiten atau Perusahaan Publik dan jenis industrinya.
8 - 121. Highlights of Key Financial Information contains financial
information in comparative form over a period of 3 (three) fiscal years or since the commencement of business if the Issuer or Listed Company has been running its business activities for less than 3 (three) years, at least contains:
a. Operating sales/revenue;b. Gross profit (loss);c. Profit (loss)d. Net profit attributable to owners of the parent
and non-controlling interest;
e. Net comprehensive profit;f. Net comprehensive profit attributable to owners
of the parent and non-controlling interest;
g. Profit (loss) per share;h. Total assets;i. Total liabilities;j. Total equity;k. Profit (loss) ratio to total assets;l. Profit (loss) ratio to equity;m. Profit (loss) ratio to revenue;
n. Current ratio;o. Liabilities ratio to equity;p. Liabilities ratio to total assets; andq. Other relevant financial ratio and information
about the Issuer or Listed Company or its industry.
II. Informasi SahamInformasi saham (jika ada) paling sedikit memuat:
I. Shares InformationShares information (if any) shall include at least:
1. Saham yang telah diterbitkan untuk setiap masa triwulan (jika ada) yang disajikan dalam bentuk perbandingan selama 2 (dua) tahun buku terakhir, paling sedikit meliputi:
a. Jumlah saham yang beredar;b. Kapitalisasi pasar berdasarkan harga pada
Bursa Efek tempat saham ditempatkan;c. Harga saham tertinggi, terendah, dan
penutupan berdasarkan harga pada Bursa Efek tempat saham dicatatkan; dan
d. Volume perdagangan pada Bursa Efek tempat saham dicatatkan.
Informasi pada huruf a diungkapkan oleh Emiten yang merupakan Perusahaan Terbuka yang sahamnya tercatat maupun tidak tercatat di Bursa Efek.Informasi pada huruf b, huruf c, dan huruf d hanya diungkapkan jika Emiten merupakan Perusahaan Terbuka dan sahamnya tercatat di Bursa Efek.
141. Shares published for every quarter (if any) presented in
the comparison of latest 2 (two) fiscal years (if any), at least include:
a. Number of issued shares;b. Market capitalization based on the price on the
Stock Exchange where shares are listed;c. Highest, lowest, and closing price based on the
price on the Stock Exchange where shares are listed; and
d. Transaction volume on the Stock Exchange where shares are listed.
Information in the letter a is disclosed by the Issuer which is a Listed Company whose shares are listed or not listed on the Stock Exchange.Information in the letter b, letter c, and letter d are only disclosed if the Issuer is a Listed Company and its shares are listed on the Stock Exchange.
367Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Materi & Penjelasan HalamanPage Subject & Explanation
2. Dalam hal terjadi aksi korporasi, seperti pemecahan saham (stock split), penggabungan saham (reverse stock), dividen saham, saham bonus, dan penurunan nilai nominal saham, informasi saham sebagaimana dimaksud pada angka 2 ditambahkan penjelasan paling sedikit mengenai:
a. Tanggal pelaksanaan aksi korporasi;b. Rasio pemecahan saham (stock split),
penggabungan saham (reverse stock), dividen saham, saham bonus, dan penurunan nilai nominal saham;
c. Jumlah saham beredar sebelum dan sesudah aksi korporasi; dan
d. Harga saham sebelum dan sesudah aksi korporasi.
152. In case of corporate actions, such as stock split, reverse
stock, shares dividend, bonus shares, and reduction in nominal share prices, the share information referred in point 2 shall be added explanations which included at least:
a. The execution date of corporate action;b. Ratio of stock split, reverse stock, share
dividend, bonus share, and reduction in share price;
c. Shares volume issued before and after corporate actions; and
d. Shares price before and after corporate actions.
3. Dalam hal terjadi penghentian sementara perdagangan saham (suspension), dan/atau penghapusan pencatatan saham (delisting) dalam tahun buku, Emiten atau Perusahaan Publik menjelaskan alasan penghentian sementara perdagangan saham (suspension) dan/atau penghapusan pencatatan saham (delisting) tersebut.
153. In case of suspended stock trading, and/or delisting in
the fiscal year, the Issuer or Listed Company explains the reason for such suspension and/or delisting.
4. Dalam hal penghentian sementara perdagangan saham (suspension) dan/atau penghapusan pencatatan saham (delisting) sebagaimana dimaksud pada angka 3 masih berlangsung hingga akhir periode Laporan Tahunan, Emiten atau Perusahaan Publik menjelaskan tindakan yang dilakukan untuk menyelesaikan penghentian sementara perdagangan saham (suspension) dan/atau penghapusan pencatatan saham (delisting) tersebut.
154. In case of stock suspension and/or delisting as referred to
point 3 still continue until the end of Annual Report period, the Issuer or Listed Company shall explain the actions of the company to resolve such stock suspension and/or delisting.
III. Laporan DireksiLaporan Direksi paling sedikit memuat:
III. Board of Directors’ ReportBoard of Directors’ Report shall include at least:
1. Uraian singkat mengenai kinerja Emiten atau Perusahaan Publik, paling sedikit meliputi:
a. Strategi dan kebijakan strategis Emiten atau Perusahaan Publik;
b. Perbandingan antara hasil yang dicapai dengan yang ditargetkan; dan
c. Kendala yang dihadapi Emiten atau Perusahaan Publik.
32 - 341. A brief description of the Issuer’s or Listed Company’s
performance, at least include:a. Strategy and strategic policy of Issuer or Listed
Company;b. Comparison between achievement of results
and targets; andc. Challenges faced by the Issuer or Listed
Company.
2. Gambaran tentang prospek usaha. 34 2. An overview of business prospects.
3. Penerapan tata kelola Emiten atau Perusahaan Publik; dan 35 3. Implementation of Good Corporate Governance by the Issuer or Listed Company; and
4. Perubahan komposisi anggota Direksi dan alasan perubahannya (jika ada).
35 4. Changes in the composition of the Board of Directors’ members and the reason of such changes (if any).
IV. Laporan Dewan KomisarisLaporan Dewan Komisaris paling sedikit memuat:
IV. Board of Commissioners’ ReportBoard of Commissioner’s Report shall include at least:
1. Penilaian terhadap kinerja Direksi mengenai pengelolaan Emiten atau Perusahaan Publik.
24 - 25 1. Assessment on the performance of the Board of Directors in managing the company;
2. Pengawasan terhadap implementasi strategi Emiten atau Perusahaan Publik.
24 - 25 2. Supervision of strategy implementation of Issuer or Listed Company.
3. Pandangan atas prospek usaha Emiten atau Perusahaan Publik yang disusun oleh Direksi.
26 3. View on the prospects of the Issuer or Listed Company as established by the Board of Directors.
4. Pandangan atas penerapan tata kelola Emiten atau Perusahaan Publik.
27 4. View on the implementation of Issuer’s or Listed Company’s governance.
5. Perubahan komposisi anggota Dewan Komisaris dan alasan perubahannya (jika ada); dan
27 5. Changes in the composition of the Board of Commissioners’s members and the reason of such changes (if any); and
6. Frekuensi dan cara pemberian nasihat kepada anggota Direksi.
24 - 25 6. Frequency and means of providing advice to the members of the Board of Directors.
368 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Materi & Penjelasan HalamanPage Subject & Explanation
V. Profil Emiten atau Perusahaan PublikProfil Emiten atau Perusahaan Publik paling sedikit memuat:
IV. Company ProfileProfile of Issuer or Listed Company shall include at least:
1. Nama Emiten atau Perusahaan Publik termasuk apabila terdapat perubahan nama, alasan perubahan, dan tanggal efektif perubahan nama pada tahun buku.
46 - 47 1. Name of the Issuer or Listed Company including if there is a change of name, the reason for the change, and the effective date of the name change in the fiscal year.
2. Akses terhadap Emiten atau Perusahaan Publik termasuk kantor cabang atau kantor perwakilan yang memungkinkan masyarakat dapat memperoleh informasi mengenai Emiten atau Perusahaan Publik, meliputi:
a. Alamat;b. Nomor telepon;c. Nomor faksimile;d. Alamat surat elektronik; dane. Alamat Situs Web;
462. Access to the Issuer or Listed Company including branch
office or representative office which allows the public to obtain information about the Issuer or Listed Company, including:
a. Address;b. Phone number;c. Facsimile number;d. E-mail address; ande. Website address;
3. Riwayat singkat Emiten atau Perusahaan Publik. 48 - 51 3. Brief history of Issuer or Listed Company.
4. Visi dan misi Emiten atau Perusahaan Publik. 62 4. Vision and mission of the Issuer or Listed Company.
5. Kegiatan usaha menurut anggaran dasar terakhir, kegiatan usaha yang dijalankan pada tahun buku, serta jenis barang dan/atau jasa yang dihasilkan.
52 - 53 5. The business activities according to the latest articles of association, business activities carried on in the fiscal year, and type of products and/or services provided.
6. Struktur organisasi Emiten atau Perusahaan Publik dalam bentuk bagan, paling sedikit sampai dengan struktur 1 (satu) tingkat di bawah Direksi, disertai dengan nama dan jabatan.
60 - 61 6. Organizational structure of Issuer or Listed Company in the form of a chart, giving the names and titles and at least up to the one level below the Board of Directors.
7. Profil Direksi, paling sedikit memuat:a. Nama dan jabatan yang sesuai dengan tugas
dan tanggung jawab;b. Foto terbaru;c. Usia;d. Kewarganegaraan;e. Riwayat pendidikan;f. Riwayat jabatan, meliputi informasi:
1) dasar hukum penunjukan sebagai anggota Direksi pada Emiten atau Perusahaan Publik yang bersangkutan;
2) rangkap jabatan, baik sebagai anggota Direksi, anggota Dewan Komisaris, dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan Publik;
g. Pendidikan dan/atau pelatihan yang telah diikuti anggota Direksi dalam meningkatkan kompetensi dalam tahun buku (jika ada); dan
h. Hubungan afiliasi dengan anggota Direksi lainnya, anggota Dewan Komisaris, dan pemegang saham utama (jika ada) meliputi nama pihak yang terafiliasi;
67 - 697. Profile of the Board of Directors, at least includes:
a. Name and position in accordance with the duties and responsibilities;
b. Latest picture;c. Age;d. Citizenship;e. Educational history;f. Work experience, includes information as
follows:1) legal basis of appointment of Board of
Directors’ members in the Issuer or Listed Company;
2) concurrent position, both as members of the Board of Directors, members of the Board of Commissioners, and/or members of the committee as well as other position (if any); and
3) work experience as well as the working period both inside or outside the Issuer or Listed Company;
g. Training attended by the Board of Directors’ members to improve the competence in the fiscal year (if any), and
h. Affiliate relationships with another member of the Board of Directors, Board of Commissioners’ members, and ultimate shareholders (if any) including the name of affiliated parties;
369Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Materi & Penjelasan HalamanPage Subject & Explanation
8. Profil Dewan Komisaris, paling sedikit memuat:a. Nama;b. Foto terbaru;c. Usia;d. Kewarganegaraan;e. Riwayat pendidikan;f. Riwayat jabatan, meliputi informasi:
1) dasar hukum penunjukan sebagai anggota Dewan Komisaris yang bukan merupakan Komisaris Independen pada Emiten atau Perusahaan Publik yang bersangkutan;
2) dasar hukum penunjukan pertama kali sebagai anggota Dewan Komisaris yang merupakan Komisaris Independen pada Emiten atau Perusahaan Publik yang bersangkutan;
3) rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau anggota komite serta jabatan lainnya (jika ada); dan
4) pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan Publik;
g. Pendidikan dan/atau pelatihan yang telah diikuti anggota Dewan Komisaris dalam meningkatkan kompetensi dalam tahun buku (jika ada);
h. Hubungan afiliasi dengan anggota Dewan Komisaris lainnya dan pemegang saham utama (jika ada) meliputi nama pihak yang terafiliasi; dan
i. Pernyataan independensi Komisaris Independen dalam hal Komisaris Independen telah menjabat lebih dari 2 (dua) periode (jika ada);
64 - 668. Profile of the Board of Commissioners, at least includes:
a. Name;b. Latest picture;c. Age;d. Citizenship;e. Educational history;f. Work experience, includes information as
follows:1) legal basis of appointment of Board of
Commissioners’ members excluding the Independent Commissioner in the Issuer or Listed Company;
2) legal basis of appointment of Board of Commissioners’ members as Independent Commissioner in the Issuer or Listed Company;
3) concurrent position, both as members of the Board of Commissioners, members of the Board of Directors, and/or members of the committee as well as other position (if any); and
4) work experience as well as the working period both inside or outside the Issuer or Listed Company;
g. Training attended by the Board of Commissioners’ members to improve the competence in the fiscal year (if any), and
h. Affiliate relationships with another member of the Board of Commissioners and ultimate shareholders (if any) including the name of affiliated parties; and
i. Independence statement of Independent Commissioner in the event of the Independent Commissioner has served more than 2 (two) periods (if any);
9. Dalam hal terdapat perubahan susunan anggota Direksi dan/atau anggota Dewan Komisaris yang terjadi setelah tahun buku berakhir sampai dengan batas waktu penyampaian Laporan Tahunan, susunan yang dicantumkan dalam Laporan Tahunan adalah susunan anggota Direksi dan/atau anggota Dewan Komisaris yang terakhir dan sebelumnya.
√9. In case of a change in the composition of the Board
of Directors and/or the Board of Commissioners that occurred after the fiscal year ends until the deadline for submission of the Annual Report, then the structure sets out in the Annual Report is the recent and previous composition of the Board of Directors’s members and/or Board of Commissioners’ members.
10. Jumlah karyawan dan deskripsi sebaran tingkat pendidikan dan usia karyawan dalam tahun buku.
73 10. The number of employees and a description of the distribution of educational level and age of employees during the fiscal year.
370 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Materi & Penjelasan HalamanPage Subject & Explanation
11. Nama pemegang saham dan persentase kepemilikan pada akhir tahun buku, yang terdiri dari:
a. Pemegang saham yang memiliki 5% (lima persen) atau lebih saham Emiten atau Perusahaan Publik;
b. Anggota Direksi dan anggota Dewan Komisaris yang memiliki saham Emiten atau Perusahaan Publik; dan
c. Kelompok pemegang saham masyarakat, yaitu kelompok pemegang saham yang masing-masing memiliki kurang dari 5% (lima persen) saham Emiten atau Perusahaan Publik;
75 - 76 11. The names of shareholders and percentage of ownership at the end of the fiscal year, which consists of:
a. Shareholders owning 5% (five percent) or more shares of the Issuer or Listed Company;
b. Member of Board of Directors and Board of Commissioners who hold shares of the Issuer or Listed Company; and
c. Public shareholders, a group of shareholders who each own less than 5% (five percent) of the shares of Issuer or Listed Company;
12. Jumlah pemegang saham dan persentase kepemilikan per akhir tahun buku berdasarkan klasifikasi:
a. Kepemilikan institusi lokal;b. Kepemilikan institusi asing;c. Kepemilikan individu lokal; dand. Kepemilikan individu asing;
76 12. The number of shareholders and the percentage of ownership as of the end of fiscal year based on the classification:
a. Local institution ownership;b. Foreign institution ownership;c. Local individual ownership; andd. Foreign individual ownership;
13. Informasi mengenai pemegang saham utama dan pengendali Emiten atau Perusahaan Publik, baik langsung maupun tidak langsung, sampai kepada pemilik individu, yang disajikan dalam bentuk skema atau bagan.
77 13. Information on the major and controlling shareholder of the Issuer or Listed Company, either directly or indirectly, to the individual owners, presented in the form of schemes or charts.
14. Nama entitas anak, perusahaan asosiasi, perusahaan ventura bersama dimana Emiten atau Perusahaan Publik memiliki pengendalian bersama entitas, beserta persentase kepemilikan saham, bidang usaha, total aset, dan status operasi Emiten atau Perusahaan Publik tersebut (jika ada);
Untuk entitas anak, ditambahkan informasi mengenai alamat entitas anak tersebut.
77 14. Name of subsidiaries entities, associates, joint venture company in which the Issuer or Listed Company has joint controlled entities, along with shareholding percentage, line of bussiness and status of such Issuer or Listed Company (if any).
For subsidiary entities, please add information about the address.
15. Kronologi pencatatan saham, jumlah saham, nilai nominal, dan harga penawaran dari awal pencatatan hingga akhir tahun buku serta nama Bursa Efek di mana saham Emiten atau Perusahaan Publik dicatatkan (jika ada).
80 - 81 15. Chronology of share listing, number of shares, nominal value, and the offering pricefrom the beginning of listing until the end of fiscal year and name of stock exchange where the Issuer’s or Listed Company’s share is listed (if any).
16. Kronologi pencatatan Efek lainnya selain Efek sebagaimana dimaksud pada angka 15, yang paling sedikit memuat nama Efek, tahun penerbitan, tanggal jatuh tempo, nilai penawaran, dan peringkat Efek (jika ada).
82 16. Chronology of other Securities listing other than Securities referred in point 15, which at least includes the name of Securities, year of issuance, maturity date, offering value, and Securities rating (if any).
17. Nama dan alamat lembaga dan/atau profesi penunjang pasar modal.
82 17. Name and address of capital market institutions and/or supporting professions.
18. Dalam hal terdapat profesi penunjang pasar modal yang memberikan jasa secara berkala kepada Emiten atau Perusahaan Publik, diungkapkan informasi mengenai jasa yang diberikan, komisi (fee), dan periode penugasan; dan
82 In the event of capital market supporting professions that provide periodic service to the Issuer or Listed Company, the information about the service provided, fee, and assignment period shall be disclosed; and
19. Penghargaan dan/atau sertifikasi yang diterima Emiten atau Perusahaan Publik baik yang berskala nasional maupun internasional dalam tahun buku terakhir (jika ada), yang memuat:
a. Nama penghargaan dan/atau sertifikasi;b. Badan atau lembaga yang memberikan; danc. Masa berlaku penghargaan dan/atau sertifikasi
(jika ada).
84 Award and certification received by the Issuer or Listed Company, both on a national and international scale during the recent fiscal year (if any), which contains:
a. Name of award and/or certification;b. Agency or institution that provides the award;
andc. The validity period of award and/or certification
(if any).
371Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Materi & Penjelasan HalamanPage Subject & Explanation
VI. Analisis dan Pembahasan ManajemenAnalisis dan pembahasan manajemen memuat analisis dan pembahasan mengenai laporan keuangan dan informasi penting lainnya dengan penekanan pada perubahan material yang terjadi dalam tahun buku, yaitu paling sedikit memuat:
VI. Management Discussion and AnalysisManagement discussion and analysis contains the analysis and discussion of financial statements and other important information with an emphasis on material changes that occurred during the fiscal year, which at least contain:
1. Tinjauan operasi per segmen operasi sesuai dengan jenis industri Emiten atau Perusahaan Publik, paling sedikit mengenai:
a. Produksi, yang meliputi proses, kapasitas, dan perkembangannya;
b. Pendapatan/penjualan; danc. Profitabilitas.
95 - 103 1. Operational review per business segment in accordance with the type of industry of the Issuer or Listed Company, contains at least:
a. Production,which includes the process, capacity, and development;
b. Revenue/sales; andc. Profitability.
2. Kinerja keuangan komprehensif yang mencakup perbandingan kinerja keuangan dalam 2 (dua) tahun buku terakhir, penjelasan tentang penyebab adanya perubahan dan dampak perubahan tersebut, paling sedikit mengenai:
a. Aset lancar, aset tidak lancar, dan total aset;
b. Liabilitas jangka pendek, liabilitas jangka panjang, dan total liabilitas;
c. Ekuitas;d. Pendapatan/penjualan, beban, laba (rugi),
penghasilan komprehensif lain, dan total laba (rugi) komprehensif; dan
e. Arus kas.
104 - 115 2. Comprehensive financial performance analysis which includes a comparison between the last 2 (two) fiscal year, explanation about the cause of changes and the impact, among others concerning:
a. Current assets, non-current assets, and total assets;
b. Short-term liabilities, long-term liabilities, and total liabilities;
c. Equity;d. Revenue/sales, expense, profit/loss, other
comprehensive income, and total of comprehensive income/loss; and
e. Cash flow.
3. Kemampuan membayar utang dengan menyajikan perhitungan rasio yang relevan.
115 3. Ability to pay debt by presenting relevant ratio calculation.
4. Tingkat kolektibilitas piutang Emiten atau Perusahaan Publik dengan menyajikan perhitungan rasio yang relevan.
115 4. Issuer’s or Listed Company’s collectability by presenting relevant ratio calculation.
5. Struktur modal (capital structure) dan kebijakan manajemen atas struktur modal (capital structure) tersebut disertai dasar penentuan kebijakan dimaksud.
116 - 117 5. Capital structure and management policy on such capital structure with the basis for determining such policy.
6. Bahasan mengenai ikatan yang material untuk investasi barang modal dengan penjelasan paling sedikit meliputi:
a. Tujuan dari ikatan tersebut;b. Sumber dana yang diharapkan untuk
memenuhi ikatan tersebut;c. Mata uang yang menjadi denominasi; dand. Langkah yang direncanakan Emiten atau
Perusahaan Publik untuk melindungi risiko dari posisi mata uang asing yang terkait.
117 6. Discussion on material ties for the investment of capital goods with description includes at least:
a. The purpose of the ties;b. Source of funds expected to fulfill the said ties;
c. Currency of denomination; andd. Steps taken by the Issuer or Listed Company to
protect the risk against the position of related foreign currency.
7. Bahasan mengenai investasi barang modal yang direalisasikan dalam tahun buku terakhir, paling sedikit meliputi:
a. Jenis investasi barang modal;b. Tujuan investasi barang modal; danc. Nilai investasi barang modal yang dikeluarkan;
117 7. Discussion on capital goods investment realized in the last fiscal year, at least includes:
a. Type of capital goods investment;b. Objective of capital goods investment; andc. The investment value of capital goods
8. Informasi dan fakta material yang terjadi setelah tanggal laporan akuntan (jika ada).
117 8. Significant information and fact subsequent to the accountant’s report date (if any).
9. Prospek usaha dari Emiten atau Perusahaan Publik dikaitkan dengan kondisi industri, ekonomi secara umum dan pasar internasional disertai data pendukung kuantitatif dari sumber data yang layak dipercaya.
117 - 119 9. Business prospects of the Issuer of Listed Company in connection with the condition of industry, economy in general, and the international market supported by quantitative data from a reliable data source.
372 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Materi & Penjelasan HalamanPage Subject & Explanation
10. Perbandingan antara target/proyeksi pada awal tahun buku dengan hasil yang dicapai (realisasi), mengenai:
a. Pendapatan/penjualan;b. Laba (rugi);c. Struktur modal (capital structure); ataud. Hal lainnya yang dianggap penting bagi
Emiten atau Perusahaan Publik.
118 10. Comparison between target/projection in the beginning of fiscal year and the achieved result (realization), which includes:
a. Revenue/sales;b. Income (loss);c. Capital structure; or d. Other matters that considered important for
the Issuer or Listed Company.
11. Target/proyeksi yang ingin dicapai Emiten atau Perusahaan Publik untuk 1 (satu) tahun mendatang, mengenai:
a. Pendapatan/penjualan;b. Laba (rugi);c. Struktur modal (capital structure);d. Kebijakan dividen; ataue. Hal lainnya yang dianggap penting bagi
Emiten atau Perusahaan Publik.
118 11. Issuer’s or Listed Company’s target/projection in 1 (one) year, which includes:
a. Revenue/sales;b. Income (loss);c. Capital structure; d. Dividend policy; or e. Other matters that considered important for
the Issuer or Listed Company.
12. Aspek pemasaran atas barang dan/atau jasa Emiten atau Perusahaan Publik, paling sedikit mengenai strategi pemasaran dan pangsa pasar.
120 - 121 12. Marketing aspect for the product and service of Issuer or Listed Company, such as: marketing strategy and market share.
13. Uraian mengenai dividen selama 2 (dua) tahun buku terakhir (jika ada), paling sedikit:
a. Kebijakan dividen;b. Tanggal pembayaran dividen kas dan/atau
tanggal distribusi dividen non kas;c. Jumlah dividen per saham (kas dan/atau non
kas); dand. Jumlah dividen per tahun yang dibayar.
121 13. Description of the dividend for 2 (two) last fiscal years (if any), which at least includes:
a. Dividend policy;b. Date of cash dividend payment and/or date of
non-cash dividend distribution;c. Amount of dividend per share (cash/non-cash);
and d. Amount of paid dividend per year.
14. Realisasi penggunaan dana hasil Penawaran Umum, dengan ketentuan:
a. Dalam hal selama tahun buku, Emiten memiliki kewajiban menyampaikan laporan realisasi penggunaan dana, maka diungkapkan realisasi penggunaan dana hasil Penawaran Umum secara kumulatif sampai dengan akhir tahun buku; dan
b. Dalam hal terdapat perubahan penggunaan dana sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan tentang Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum, maka Emiten menjelaskan perubahan tersebut.
121 14. Actual use of proceeds from the Public Offering, provided that:
a. In the event that during fiscal year, the Issuer has the obligation to report realization of the use of proceeds, thus the cumulative use of the proceeds from the Public Offering shall be disclosed until the last fiscal year; and
b. In the event of any changes the in use of proceeds as stipulated in the Regulation of Financial Services Authority on Report on Realization of the Use of Proceeds from Public Offerings, Issuers shall explain such changes.
15. informasi material (jika ada), antara lain mengenai investasi, ekspansi, divestasi, penggabungan/peleburan usaha, akuisisi, restrukturisasi utang/modal, transaksi Afiliasi, dan transaksi yang mengandung benturan kepentingan, yang terjadi pada tahun buku, antara lain memuat:
a. Tanggal, nilai, dan objek transaksi;b. Nama pihak yang bertransaksi;c. Sifat hubungan afiliasi (jika ada);d. Penjelasan mengenai kewajaran transaksi; dane. Pemenuhan ketentuan terkait
122 15. Significant information (if any) about investation, expansion, divestment, business merger/takeover, acquisition, debt/equity restructuring, affiliated transaction, and transaction that contains conflict of interest occurred in fiscal year, among others includes:
a. Date, value, and transaction object;b. Name of the parties conducting transaction;c. Nature of affiliation (if any);d. Description about transaction fairness; ande. Relevant regulation compliance
16. Perubahan ketentuan peraturan perundang-undangan yang berpengaruh signifikan terhadap Emiten atau Perusahaan Publik dan dampaknya terhadap laporan keuangan (jika ada); dan
122 16. Changes in regulation which have a significant impact on the Issuer and Listed Company and the impact on financial statements (if any); and
17. Perubahan kebijakan akuntansi, alasan dan dampaknya terhadap laporan keuangan (jika ada).
122 17. Changes in the accounting policy, reason and its impact on financial statements (if any).
373Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Materi & Penjelasan HalamanPage Subject & Explanation
VII. Tata Kelola Emiten atau Perusahaan PublikTata kelola Emiten atau Perusahaan Publik paling sedikit memuat uraian singkat mengenai:
VII. Corporate GovernanceGovernance of Issuer or Listed Company shall contain at least a brief description about:
1. Direksi, mencakup antara lain:a. Tugas dan tanggung jawab masing-masing
anggota Direksi;b. Pernyataan bahwa Direksi memiliki pedoman
atau piagam (charter) Direksi; c. Prosedur, dasar penetapan, struktur, dan
besarnya remunerasi masing-masing anggota Direksi, serta hubungan antara remunerasi dengan kinerja Emiten atau Perusahaan Publik;
d. Kebijakan dan pelaksanaan tentang frekuensi rapat Direksi, termasuk rapat bersama Dewan Komisaris, dan tingkat kehadiran anggota Direksi dalam rapat tersebut;
e. Informasi mengenai keputusan RUPS 1 (satu) tahun sebelumnya, meliputi:1) keputusan RUPS yang direalisasikan pada
tahun buku; dan2) alasan dalam hal terdapat keputusan
yang belum direalisasikan;f. Informasi mengenai keputusan RUPS pada
tahun buku, meliputi:1) keputusan RUPS yang direalisasikan pada
tahun buku; dan2) alasan dalam hal terdapat keputusan
yang belum direalisasikan; dang. Penilaian terhadap kinerja komite yang
mendukung pelaksanaan tugas Direksi;
225 - 232 1. The Board of Directors, among others includes:a. The duties and responsibilities of each member
of the Board of Directors;b. Statement that the Board of Directors has the
Board of Directors’ guidelines or charter;c. Procedure, basis of stipulation, structure, and
the amount of remuneration for each member of the Board of Directors, as well as the relation between remuneration and the Issuer’s or Listed Company’s performance;
d. Policy and the implementation of the Board of Directors meeting frequency, including meeting with Board of Commissioners, and attendance of the Board of Directors in such meeting;
e. Information on previous GMS resolution, which includes:1) GMS resolution realized in the fiscal year;
and2) the reason in the event of a resolution
that has not been realized; f. Information on the GMS resolution in the fiscal
year, which includes:1) GMS resolution realized in the fiscal year;
and2) the reason in the event of a resolution
that has not been realized; andg. The assessment on the performance of
committee which supports the implementation of the Board of Directors’ duties;
2. Dewan Komisaris, mencakup antara lain:a. Tugas dan tanggung jawab Dewan Komisaris;
b. Pernyataan bahwa Dewan Komisaris memiliki pedoman atau piagam (charter) Dewan Komisaris;
c. Prosedur, dasar penetapan, struktur, dan besarnya remunerasi masing-masing anggota Dewan Komisaris;
d. Kebijakan dan pelaksanaan tentang frekuensi rapat Dewan Komisaris, termasuk rapat bersama Direksi, dan tingkat kehadiran anggota Dewan Komisaris dalam rapat tersebut;
e. kebijakan Emiten atau Perusahaan Publik tentang penilaian terhadap kinerja anggota Direksi dan anggota Dewan Komisaris dan pelaksanaannya, paling sedikit meliputi:
1) prosedur pelaksanaan penilaian kinerja;2) Kriteria yang digunakan; dan3) Pihak yang melakukan penilaian;
217 - 224 2. The Board of Commissioners, among others includes:a. The duties and responsibilities of each member
of the Board of Commissioners;b. Statement that the Board of Commissioners
has the Board of Commissioners’ guidelines or charter;
c. Procedure, basis of stipulation, structure, and the amount of remuneration for each member of the Board of Commissioners;
d. Policy and the implementation of the Board of Commissioners meeting frequency, including meeting with Board of Directors, and level of attendance of the members of the Board of Commissioners in such meeting;
e. Issuer’s or Listed Company’s policy on the assessment of the performance of the Board of Directors’ and Board of Commissioners’ members and its implementation, which includes at least:1) procedure of performance assessment;2) the criteria used; and3) the party carrying out the assessment;
374 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Materi & Penjelasan HalamanPage Subject & Explanation
f. Penilaian terhadap kinerja komite yang mendukung pelaksanaan tugas Dewan Komisaris; dan
g. Dalam hal Dewan Komisaris tidak membentuk Komite Nominasi dan Remunerasi, dimuat informasi paling sedikit mengenai:Alasan tidak dibentuknya komite; dan1) Prosedur nominasi dan remunerasi yang
dilakukan dalam tahun buku;2) Prosedur nominasi dan remunerasi yang
dilakukan dalam tahun buku;
233 - 224 f. The assessment on the performance of committee which supports the implementation of the Board of Commissioners’ duties; and
g. In the event that the Board of Commissioners does not establish a Nomination and Remuneration Committee, shall publish information at least about:1) The reason why such committee is not
established; and2) Procedure of nomination and
remuneration carried out in the fiscal year;
3. Dewan Pengawas Syariah, bagi Emiten atau Perusahaan Publik yang menjalankan kegiatan usaha berdasarkan prinsip syariah sebagaimana tertuang dalam anggaran dasar, paling sedikit memuat:
a. Nama;b. Tugas dan tanggung jawab Dewan Pengawas
Syariah; danc. Frekuensi dan cara pemberian nasihat dan
saran serta pengawasan pemenuhan Prinsip Syariah di Pasar Modal terhadap Emiten atau Perusahaan Publik;
N/A 3. Sharia Supervisory Board, for Issuer or Listed Company which carries out business activity based on sharia principle as stated in the article of association, which includes at least:
a. Name;b. Duties and responsibilities of the Sharia
Supervisory Board; andc. Frequency and means of providing advice
and suggestion as well as the supervision on the fulfillment of Sharia Principle in the Capital Market for the Issuer of Listed Company;
4. Komite Audit, mencakup antara lain:a. Nama dan jabatannya dalam keanggotaan
komite;b. Usia;c. Kewarganegaraan;d. Riwayat pendidikan;e. Riwayat jabatan, meliputi informasi:
1) dasar hukum penunjukan sebagai anggota komite;
2) rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan Publik;
f. Periode dan masa jabatan anggota Komite Audit;
g. Pernyataan independensi Komite Audit;
h. Kebijakan dan pelaksanaan tentang frekuensi rapat Komite Audit dan tingkat kehadiran anggota Komite Audit dalam rapat tersebut;
i. Pendidikan dan/atau pelatihan yang telah diikuti dalam tahun buku (jika ada); dan
j. Pelaksanaan kegiatan Komite Audit pada tahun buku sesuai dengan yang dicantumkan dalam pedoman atau piagam (charter) Komite Audit;
253 - 260 4. Audit Committee, among others includes:a. Name and position in the committee;b. Agec. Citizenship;d. Educational history;e. Work experience, which includes information:
1) basis of appointment as the member of the committee;
2) concurrent position, both as the member of the Board of Commissioners, member of the Board of Directors, and/or member of committee as well as other position (if any); and
3) work experience and working period both inside and outside the Issuer or Listed Company;
f. Working period and term of service of the member of Audit Committee;
g. Independence statement of the Audit Committee;
h. Policy and implementation of Audit Committee meeting frequency and level of attendance of the member of Audit Committee in such meeting;
i. Training attended in the fiscal year (if any); and
j. Implementation of Audit Committee’s activity in the fiscal year in accordance with the Audit Committee guideline or charter;
375Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Materi & Penjelasan HalamanPage Subject & Explanation
5. Komite lain yang dimiliki Emiten atau Perusahaan Publik dalam rangka mendukung fungsi dan tugas Direksi dan/atau Dewan Komisaris, seperti Komite Nominasi dan Remunerasi, yang mencakup antara lain:
a. Nama dan jabatannya dalam keanggotaan komite;
b. Usia;c. Kewarganegaraan;d. Riwayat pendidikan;e. Riwayat jabatan, meliputi informasi:
1) dasar hukum penunjukan sebagai anggota komite:
2) rangkap jabatan, baik sebagai anggota Dewan Komisaris, anggota Direksi, dan/atau anggota komite serta jabatan lainnya (jika ada); dan
3) pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan Publik;
f. Periode dan masa jabatan anggota komite;
g. Uraian tugas dan tanggung jawab;h. Pernyataan bahwa telah memiliki pedoman
atau piagam (charter) komite; i. Pernyataan independensi komite;j. Kebijakan dan pelaksanaan tentang frekuensi
rapat komite dan tingkat kehadiran anggota komite dalam rapat tersebut;
k. Pendidikan dan/atau pelatihan yang telah diikuti dalam tahun buku (jika ada); dan
l. Uraian singkat pelaksanaan kegiatan komite pada tahun buku;
261 - 281 5. Other commitees that the Issuer or Listed Company have in order to support the function and duties of the Board of Directors and/or Board of Commissioners, such as Nomination and Remuneration Commitee, which includes:
a. Name and position in the committee;b. Age;c. Citizenship;d. Educational history;e. Work experience, which includes information:
1) basis of appointment as the member of the committee;
2) concurrent position, both as the member of the Board of Commissioners, member of the Board of Directors, and/or member of committee as well as other position (if any); and
3) work experience and working period both inside and outside the Issuer or Listed Company;
f. Working period and term of service of the member of committee;
g. Description of duties and responsibilities;h. Statement of the committee’s guidelines or
charter;i. Independency statement of the committee;j. Policy and implementation of committee
meeting frequency and level of attendance of the member of committee in such meeting;
k. Training attended in the fiscal year (if any); and
l. Brief description of the implementation of committee’s activity in the fiscal year;
6. Sekretaris Perusahaan, mencakup antara lain;a. Nama;b. Domisili;c. Riwayat jabatan, meliputi informasi:
1) dasar hukum penunjukan sebagai Sekretaris Perusahaan; dan
2) pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan Publik;
d. Riwayat pendidikan;e. Pendidikan dan/atau pelatihan yang diikuti
dalam tahun buku; danf. Uraian singkat pelaksanaan tugas Sekretaris
Perusahaan pada tahun buku;
296 - 305 6. Corporate Secretary, among others includes;a. Name;b. Domicile;c. Work experience, which includes information:
1) basis of appointment as the Corporate Secretary;
2) work experience and working period both inside and outside the Issuer or Listed Company;
d. Educational history;e. Training attended in the fiscal year (if any); and
f. Brief description of the duties implementation of Corporate Secretary in the fiscal year;
376 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Materi & Penjelasan HalamanPage Subject & Explanation
7. Unit Audit Internal, mencakup antara lain:a. Nama kepala Unit Audit Internal;b. Riwayat jabatan, meliputi informasi;
1) dasar hukum penunjukan sebagai kepala Unit Audit Internal; dan
2) pengalaman kerja beserta periode waktunya baik di dalam maupun di luar Emiten atau Perusahaan Publik;
c. Kualifikasi atau sertifikasi sebagai profesi audit internal (jika ada);
d. Pendidikan dan/atau pelatihan yang diikuti dalam tahun buku;
e. Struktur dan kedudukan Unit Audit Internal;f. Uraian tugas dan tanggung jawab; g. Pernyataan bahwa telah memiliki pedoman
atau piagam (charter) Unit Audit Internal; danh. Uraian singkat pelaksanaan tugas Unit Audit
Internal pada tahun buku;
306 - 311 7. Internal Audit Unit, among others includes:a. Name of head of Internal Audit Unit;b. Work experience, which includes information:
1) Basis of appointment as the head of Internal Audit Unit; and
2) Work experience and working period both inside and outside the Issuer or Listed Company;
c. Qualification and certification as internal auditor (if any);
d. Training attended in the fiscal year;e. Structure and position of the Internal Audit
Unit;f. Description of duties and responsibilities;g. Statement of Internal Audit Unit’s guidelines or
charter; andh. Brief description about the duties
implementation of Internal Audit Unit in the fiscal year;
8. Uraian mengenai sistem pengendalian internal (internal control) yang diterapkan oleh Emiten atau Perusahaan Publik, paling sedikit mengenai:
a. Pengendalian keuangan dan operasional, serta kepatuhan terhadap peraturan perundang-undangan lainnya; dan
b. Tinjauan atas efektivitas sistem pengendalian internal;
330 - 332 8. Description about internal control system implemented by the Issuer or Listed Company, at least includes:
a. Financial and operational control, as well as compliance towards other regulations; and
b. Review on the effectiveness of internal control system;
9. Sistem manajemen risiko yang diterapkan oleh Emiten atau Perusahaan Publik, paling sedikit mengenai:
a. Gambaran umum mengenai sistem manajemen risiko Emiten atau Perusahaan Publik;
b. Jenis risiko dan cara pengelolaannya; danc. Tinjauan atas efektivitas sistem manajemen
risiko Emiten atau Perusahaan Publik;
316 - 329 9. Risk management system implemented by the Issuer or Listed Company, at least includes:
a. General description about the Issuer’s or Listed Company’s risk management system;
b. Type of risk and its management; andc. Review on the effectiveness of Issuer’s or Listed
Company’s risk management;
10. Perkara penting yang dihadapi oleh Emiten atau Perusahaan Publik, entitas anak, anggota Direksi dan anggota Dewan Komisaris (jika ada), antara lain meliputi:
a. Pokok perkara/gugatan;b. Status penyelesaian perkara/gugatan; danc. Pengaruhnya terhadap kondisi Emiten atau
Perusahaan Publik;
333 - 334 10. Important case encountered by Issuer or Listed Company, subsidiary entities, member of Board of Directors and Board of Commissioners, among others includes:
a. Subject of the case/claim;b. Status of settlement of case/claim; andc. Potential impacts on the condition of the Issuer
or Listed Company;
11. Informasi tentang sanksi administratif yang dikenakan kepada Emiten atau Perusahaan Publik, anggota Dewan Komisaris dan Direksi, oleh otoritas Pasar Modal dan otoritas lainnya pada tahun buku terakhir (jika ada);
333 - 334 11. Information about administrative sanctions imposed on the Issuer or Listed Company, member of the Board of Commissioners and Board of Directors, by the Capital Market authority and others in the last fiscal year (if any);
12. Informasi mengenai kode etik Emiten atau Perusahaan Publik meliputi:
a. Pokok-pokok kode etik;b. Bentuk sosialisasi kode etik dan upaya
penegakannya; danc. Pernyataan bahwa kode etik berlaku bagi
anggota Direksi, anggota Dewan Komisaris, dan karyawan Emiten atau Perusahaan Publik;
335 12. Information about Issuer’s or Listed Company’s code of conduct which includes:
a. Principles of the code of conduct;b. Form of dissemination of code of conduct and
its enforcement attempt; andc. Statement that the code of conduct is
applicable to the members of the Board of Directors, Board of Commissioners, and employees of the Issuer or Listed Company;
13. Informasi mengenai budaya perusahaan (corporate culture) atau nilai-nilai perusahaan (jika ada);
336 13. Information on corporate culture or corporate values (if any);
377Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Materi & Penjelasan HalamanPage Subject & Explanation
14. Uraian mengenai program kepemilikan saham oleh karyawan dan/atau manajemen yang dilaksanakan Emiten atau Perusahaan Publik (jika ada), antara lain mengenai:
a. Jumlah saham dan/atau opsi;b. Jangka waktu pelaksanaan;c. Persyaratan karyawan dan/atau manajemen
yang berhak; dand. Harga pelaksanaan;
N/A 14. Description of share ownership program by employee and/or management that implemented by the Issuer or Listed Company (if any), among others includes:
a. Number of shares and/or share options;b. Exercise period;c. Requirement of eligible employee and/or
management; and d. Exercise price
15. Uraian mengenai sistem pelaporan pelanggaran (whistleblowing system) di Emiten atau Perusahaan Publik (jika ada), antara lain meliputi:
a. Cara penyampaian laporan pelanggaran;b. Perlindungan bagi pelapor;c. Penanganan pengaduan;d. Pihak yang mengelola pengaduan; dane. Hasil dari penanganan pengaduan, paling
sedikit meliputi:1) Jumlah pengaduan yang masuk dan
diproses dalam tahun buku; dan2) Tindak lanjut pengaduan;
337 - 338 15. Description of whistleblowing system in the Issuer and Listed Company (if any), among others includes:
a. Mechanism of whistleblowing system;b. Protection for the whistleblower;c. Complaint handling;d. Party that manages the complaint; ande. Result of complaint handling, at least includes:
1) Number of incoming and processed complaints in the fiscal year; and
2) Complaint follow-up;
16. Penerapan atas Pedoman Tata Kelola Perusahaan Terbuka bagi Emiten yang menerbitkan Efek Bersifat Ekuitas atau Perusahaan Publik, meliputi:
a. Pernyataan mengenai rekomendasi yang telah dilaksanakan; dan/atau
b. Penjelasan atas rekomendasi yang belum dilaksanakan, disertai alasan dan alternatif pelaksanaannya (jika ada);
195 - 197 16. Implementation Corporate Governance Guidelines for the Issuer or Listed Company which issues Equity-type Shares, which includes:
a. Statement regarding the recommendations that have been implemented; and/or
b. Explanation of recommendations that have not been implemented, as well as the reason and implementation alternatives (if any);
VIII. Tanggung Jawab Sosial dan Lingkungan Emiten atau Perusahaan Publik
VIII. Social and Environmental Responsibility of Issuer or Listed Company
1. Informasi mengenai tanggung jawab sosial dan lingkungan Emiten atau Perusahaan Publik meliputi kebijakan, jenis program, dan biaya yang dikeluarkan, antara lain terkait aspek:
a. Lingkungan hidup, antara lain:1) penggunaan material dan energi yang
ramah lingkungan dan dapat didaur ulang;
2) sistem pengolahan limbah Emiten atau Perusahaan Publik;
3) mekanisme pengaduan masalah lingkungan; dan
4) sertifikasi di bidang lingkungan yang dimiliki;
b. Praktik ketenagakerjaan, kesehatan, dan keselamatan kerja, antara lain:1) kesetaraan gender dan kesempatan
kerja;2) sarana dan keselamatan kerja;3) tingkat perpindahan (turnover) karyawan;4) tingkat kecelakaan kerja;5) pendidikan dan/atau pelatihan;6) remunerasi; dan7) mekanisme pengaduan masalah
ketenagakerjaan;
351 - 363 1. Information of social and environmental responsibility of Issuer or Listed Company including policy, kind of program, and cost incurred, among others covering the aspects of:
a. Environmental, among others:1) use of environmentally friendly material
and energy that could be recycled;2) issuer’s or Listed Company’s waste
treatment system;3) complaint mechanism of environmental
issue; and4) certificate on environmental;
b. Practice of employment, occupational health and safety, among others:1) equality of gender and work opportunity;2) facility and work safety;3) employee turnover rate;4) occupational accident rate5) training;6) remuneration;7) complaint mechanism of employment
issue;
378 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Materi & Penjelasan HalamanPage Subject & Explanation
c. Pengembangan sosial dan kemasyarakatan, antara lain:1) penggunaan tenaga kerja lokal;2) pemberdayaan masyarakat sekitar
Emiten atau Perusahaan Publik antara lain melalui penggunaan bahan baku yang dihasilkan oleh masyarakat atau pemberian edukasi;
3) perbaikan sarana dan prasarana sosial;4) bentuk donasi lainnya; dan5) komunikasi mengenai kebijakan dan
prosedur anti korupsi di Emiten atau Perusahaan Publik, serta pelatihan mengenai anti korupsi (jika ada);
d. Tanggung jawab barang dan/atau jasa, antara lain:1) kesehatan dan keselamatan konsumen;2) informasi barang dan/atau jasa; dan3) sarana, jumlah, dan penanggulangan
atas pengaduan konsumen.
c. Community and social development, among others:1) local worker recruitment;2) community empowerment around the
Issuer or Listed Company, among others, through the use of raw material produced by the community or educational training;
3) social facility repairement;4) other donations; and5) socialization of the policy and procedure
of anti-corruption in the Issuer or Listed Company, and training of anti-corruption (if any);
d. Product and/or service responsibility, among others:
1) customer’s health and safety;2) product and/or service information;3) facility, total, and customer complaint
handling.
2. Dalam hal Emiten atau Perusahaan Publik menyajikan informasi mengenai tanggung jawab sosial dan lingkungan sebagaimana dimaksud pada angka 1) pada laporan tersendiri seperti laporan tanggung jawab sosial dan lingkungan atau laporan keberlanjutan (sustainability report), Emiten atau Perusahaan Publik dikecualikan untuk mengungkapkan informasi mengenai tanggung jawab sosial dan lingkungan dalam Laporan Tahunan; dan
N/A 2. In the event that Issuer or Listed Company presents information of social and environmental responsibility as stated in point 1) in separated report such as in the form of corporate social responsibility report or sustainability report, Issuer or Listed Company is excluded to disclose information on social and environmental responsibility in the Annual Report; and
3. Laporan sebagaimana dimaksud pada angka 2) disampaikan kepada Otoritas Jasa Keuangan bersamaan dengan penyampaian Laporan Tahunan.
N/A 3. Such report referred in point 2) is submitted to the Financial Services Authority in conjunction with submission of Annual Report.
IX. Laporan Keuangan Tahunan yang Telah Diaudit IX. Audited Financial Statements
1. Laporan keuangan tahunan yang dimuat dalam Laporan Tahunan disusun sesuai dengan Standar Akuntansi Keuangan di Indonesia dan telah diaudit oleh Akuntan. Laporan keuangan dimaksud memuat pernyataan mengenai pertanggungjawaban atas laporan keuangan sebagaimana diatur dalam peraturan perundang-undangan di sektor Pasar Modal yang mengatur mengenai tanggung jawab Direksi atas laporan keuangan atau peraturan perundang-undangan di sektor Pasar Modal yang mengatur mengenai laporan berkala Perusahaan Efek dalam hal Emiten merupakan Perusahaan Efek; dan
√ 1. The annual financial statements contained in the Annual Report shall compiled in accordance with Financial Accounting Standard in Indonesia and has been audited by Accountant. Such financial statements shall contained statement about financial statements accountability as set out in Capital Market regulation which governing the Board of Directors’ responsibility upon the financial statements or the legislation in the Capital Market sector which governing the periodic report of Securities Company in terms of the aforementioned is Securities Company; and
X. Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan
IX. Statements of the Members of Board of Directors and Board of Commissioners on Responsibility for the Annual Report
1. Surat pernyataan anggota Direksi dan anggota Dewan Komisaris tentang tanggung jawab atas Laporan Tahunan disusun sesuai dengan format Surat Pernyataan Anggota Direksi dan Anggota Dewan Komisaris tentang Tanggung Jawab atas Laporan Tahunan sebagaimana tercantum dalam Lampiran yang merupakan bagian tidak terpisahkan dari Surat Edaran Otoritas Jasa Keuangan ini.
√ 1. Statement of the members of Board of Commissioners on the responsibility for the Annual Report is prepared in accordance with the format of the Statement of the Members of Board of Directors and Board of Commissioners on Responsibility for the Annual Report as stated in the Appendix which is an integral part of this Circular Letter of Financial Services Authority.
379Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
referensI Seojk no. 43/Seojk.03/2016 REFERENCE SEOJK NO. 43/SEOJK.03/2016
Keterangan HalamanPage Description
IV. LAPORAN PUBLIKASI TAHUNAN IV. ANNUAL REPORT PUBLICATION
1. Pedoman Umum 1. General Provision
a. Laporan keuangan pada Laporan Publikasi Tahunan disajikan secara individu dan konsolidasi dengan Entitas Anak yang disusun untuk 1 (satu) Tahun Buku.
a. Financial statements in the Annual Report should be presented both individually and consolidated with Subsidiaries for 1 (one) Fiscal Year.
b. Bank yang tidak memiliki Entitas Anak, kolom konsolidasian dapat ditiadakan.
b. In the event the bank has no Subsidiary the consolidation column can be dispensed.
c. Laporan keuangan pada Laporan Publikasi Tahunan disajikan dalam bentuk perbandingan sesuai standar akuntansi keuangan.
c. Financial statements in the Annual Report is presented in the form of comparison, in accordance with financial accounting standards.
d. Apabila terdapat perlakuan akuntansi yang baru berlaku dalam posisi laporan, penyajian posisi pembanding mengacu pada standar akuntansi keuangan mengenai kebijakan akuntansi, perubahan estimasi akuntansi, dan kesalahan.
d. If there is a new accounting standard in reporting position, the comparison position refer to finacial accounting standard accounting standard about accounting policy, accounting estimation changes, and errors.
e. Laporan Publikasi Tahunan harus disusun dalam Bahasa Indonesia. Dalam hal Laporan Publikasi Tahunan disusun dalam Bahasa Indonesia dan bahasa asing, baik dalam dokumen yang sama maupun terpisah, Laporan Publikasi Tahunan harus memuat informasi yang sama. Dalam hal terdapat perbedaan penafsiran informasi dalam bahasa asing dengan informasi dalam Bahasa Indonesia pada Laporan Publikasi Tahunan, informasi yang digunakan sebagai acuan adalah informasi dalam Bahasa Indonesia.
e. The Bank’s Annual Report should be prepared in Bahasa Indonesia. In the event that the Annual Report is also made in a language other than in Bahasa Indonesia, either on the same or a separate document, then the Annual Report referred to should contain the same information. In cases where there is any different interpretation due to the transfer of language, the financial statement in the indonesian language shall become the reference.
f. Laporan keuangan pada Laporan Publikasi Tahunan diaudit oleh Akuntan Publik. Dalam penyajian laporan keuangan dicantumkan nama Kantor Akuntan Publik, nama Akuntan Publik yang bertanggung jawab (partner in charge), dan opini yang diberikan.
f. Financial statements in annual report must be audited by public accountant. The financial statements must state the public accountant office name, auditor’s name (partner in charge), and auditor’s opinion.
g. Laporan Publikasi Tahunan diumumkan pada Situs Web Bank dan disampaikan oleh Bank kepada Otoritas Jasa Keuangan.
g. Annual Report should be presented in the Bank’s website and reported to Financial Services Authorities.
2. Ruang Lingkup Laporan Publikasi Tahunan 2. Scope of Annual Report
Laporan Publikasi Tahunan meliputi: Annual Publication Report include:
a. Informasi Umum a. General Information
Informasi Umum dalam Laporan Publikasi Tahunan, paling sedikit meliputi:
General Information in Annual Report should at least include:
1) susunan Direksi, Dewan Komisaris, dan Pejabat Eksekutif beserta jabatan, dan ringkasan riwayat hidupnya;
64-721) composition of the Board of Directors, the Board of
Commissioner, and Executive officer including their positions and CV;
2) susunan dan komposisi Pemegang Saham, yaitu nama Pemegang Saham dan persentase kepemilikan saham;
75-772) composition of Shareholders, including the names
and the number of shares;
3) perkembangan usaha Bank dan kelompok usaha Bank, termasuk apabila ada pengembangan usaha UUS, yang memuat data mengenai:
3) Bank business development and Bank business group including Sharia Business Unit (if any) among other:
a) ikhtisar data keuangan penting, paling sedikit meliputi pendapatan bunga bersih, laba operasional, laba sebelum pajak, laba bersih, laba bersih per saham, aset produktif, dana pihak ketiga, pinjaman diterima, total biaya dana (cost of fund), modal sendiri, jumlah lembar dan nilai nominal saham yang ditempatkan dan disetor; dan
6-15
a) summary on important financial data should at least include net interest income, Operating income, profit before tax, net profit, earning per share, earning assets, third party funds, fund borrowings, total cost of funds, capital, number of shares of issued and fully paid up capital; and
b) informasi kinerja keuangan yang cakupannya sebagaimana dimaksud dalam butir III.2.b.
b) Performance and financial ratios, the coverage of which mentioned in point III.2.b.
380 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Keterangan HalamanPage Description
4) strategi dan kebijakan yang ditetapkan oleh manajemen Bank, termasuk untuk UUS apabila Bank memiliki UUS;
8 - 134) strategy and management policy used by the Bank’s
management, include Sharia Business Unit (if any);
5) laporan manajemen yang memuat informasi mengenai pengelolaan Bank, termasuk untuk UUS apabila Bank memiliki UUS, paling sedikit mencakup:
32 - 335) management report providing information regarding
Bank management include Sharia Business Unit (if any), at least include:
a) struktur organisasi; a) organization structure
b) aktivitas utama; 60 - 61 b) main activities;
c) teknologi informasi; 49 - 51 c) information technology;
d) jenis produk dan jasa yang ditawarkan, termasuk penyaluran kredit kepada debitur Usaha Mikro, Kecil, dan Menengah (UMKM);
52 - 5395 - 103
d) type of product and services offered including micro, small and medium enterprise lending (UMKM);
e) tingkat suku bunga penghimpunan dan penyediaan dana; 102 e) interest rates of funds and provision of funds;
f) perkembangan perekonomian dan target pasar; 88 - 94 f) economic development and market target;
g) jaringan kerja dan mitra usaha di dalam dan/atau di luar negeri; 54 - 55 g) local and foreign network and business partners;
h) jumlah, jenis, dan lokasi kantor; 14, 56 - 57 h) number, type, and location of ofice
i) kepemilikan Direksi, Dewan Komisaris, dan Pemegang Saham dalam kelompok usaha Bank; 223 - 224
230 - 231
i) ownership of the Board of Directors, Commissioners and shareholders in the bank business group;
j) perubahan-perubahan penting yang terjadi pada Bank dan kelompok usaha Bank dalam tahun yang bersangkutan;
59j) important changes occurring in the bank and
bank business group during the year under review;
k) hal-hal penting yang diperkirakan terjadi pada masa mendatang; dan 117 - 118 k) forecasted important; and
l) sumber daya manusia meliputi jumlah, tingkat pendidikan, pelatihan, dan pengembangan sumber daya manusia.
73 - 74l) human resources, including the number,
educational structure, training and development.
b. Laporan Keuangan KAP Audited 2018 391 b. Annual Financial Statements
1) Laporan Keuangan, paling sedikit mencakup: 1) Financial Report, at least consists of:
a) Laporan Posisi Keuangan (Neraca); a) Statement of Financial Position (Balance Sheet );
b) Laporan Laba Rugi dan Penghasilan Komprehensif Lain;
b) Statement of Income and Other Comprehensive Income;
c) Laporan Perubahan Ekuitas; c) Statement of Changes in Equity;
d) Laporan Arus Kas; dan d) Statement of Cash Flows; and
e) Catatan atas Laporan Keuangan, termasuk informasi mengenai komitmen dan kontinjensi.
e) Notes to the Financial Statements, including information on commitments and contingencies.
2) Penambahan Pengungkapan Informasi bagi Bank yang Merupakan Bagian dari Suatu Kelompok Usaha
2) Additional Disclosure for Bank that is a Part of a Business Group
a) Bank menambahkan informasi pada Laporan Publikasi Tahunan mengenai:
a) Bank should add information in Annual Publication Report regarding:
(1) Laporan keuangan konsolidasian Entitas Induk yang meliputi laporan keuangan seluruh entitas dalam kelompok usaha di bidang keuangan; atau
(1) consolidated financial statements of the parent entity which include the financial statements of all entities of the business group in financial sector; or
(2) Laporan keuangan konsolidasian Entitas Induk yang meliputi laporan keuangan seluruh entitas dalam kelompok usaha di bidang keuangan dan non keuangan, dalam hal tidak terdapat laporan keuangan konsolidasian sebagaimana dimaksud pada angka (1).
(2) Consolidated financial statement of the parent entity which include the financial statements of all entities of the business group in financial and non-financial sector, in the event that there is no consolidated financial statements mentioned in point (1).
381Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Keterangan HalamanPage Description
b) Laporan keuangan konsolidasian Entitas Induk sebagaimana dimaksud pada huruf a) paling sedikit terdiri atas:
b) Consolidated financial statements of the parent entity as mentioned in point a) should at least contain:
(1) Laporan Posisi Keuangan (Neraca); (1) Statement of Financial Position (BalanceSheet );
(2) Laporan Laba Rugi dan Penghasilan Komprehensif Lain;
(2) Statement of Income and Other Comprehensive Income;
(3) Laporan Perubahan Ekuitas; dan (3) Statement of Changes in Equity; and
(4) Laporan Komitmen dan Kontinjensi. (4) Commitment and Contingency Report.
3) Opini dari Akuntan Publik yang memuat pendapat atas laporan keuangan tahunan.
3) Public Accountant’s opinion which contains opinion of financial statements
c. Informasi kinerja keuangan, meliputi: c. Financial performance, consisting of:
1) perhitungan Kewajiban Penyediaan Modal Minimum (KPMM); 116 - 117 1) calculation of Capital Adequacy Ratio (CAR);
2) jumlah dan kualitas aset produktif serta Cadangan Kerugian Penurunan Nilai (CKPN) yang paling sedikit memberikan informasi berdasarkan pengelompokan:
364 - 365
2) quantity and quality of Earning Assets and Allowance for Impairment Losses (CKPN), which at least information grouping:
a) instrumen keuangan; a) financial instrument
b) penyediaan dana kepada Pihak Terkait; b) provision of funds to Related Parties;
c) kredit kepada debitur Usaha Mikro, Kecil, dan Menengah (UMKM);
c) loans to Micro, Small and Medium Enterprises (SMEs) debtors;
d) kredit yang memerlukan perhatian khusus (antara lain kredit yang direstrukturisasi dan kredit properti); dan
d) restructured loans and property loans); and
e) Penyisihan Penghapusan Aset (PPA) yang wajib dibentuk berdasarkan instrumen keuangan.
e) Allowance for Losses on Assets (PPA) that should be maintained based on financial instrument
3) rasio keuangan, paling sedikit mencakup: 111 - 112 3) bank financial ratio, at least include:
a) rasio KPMM; a) Capital Adequacy Ratio (CAR);
b) Return on Asset (ROA); b) Return on Asset (ROA);
c) Return on Equity (ROE); c) Return on Equity (ROE);
d) Rasio Beban Operasional terhadap Pendapatan Operasional (BOPO);
d) Operating Expenses to Operating Income ratio;
e) persentase pelanggaran dan pelampauan Batas Maksimum Pemberian Kredit (BMPK);
e) Percentage of violation and lending in Excess ofLegal Lending Limit;
f) Rasio Posisi Devisa Neto (PDN); dan f) Net Open Position ratio (NOP); and
g) nilai Liquidity Coverage Ratio (LCR) secara individu dan konsolidasi.
g) Liquidity Coverage Ratio (LCR) individual and consolidated.
4) transaksi spot dan transaksi derivatif. 113 - 114 4) spot and derivative transactions.
d. Pengungkapan permodalan dan praktik manajemen risiko
d. Capital disclosure and risk management implementation
1) Pengungkapan permodalan dan praktik manajemen risiko yang diterapkan Bank paling sedikit meliputi uraian jenis risiko, potensi kerugian yang dihadapi Bank, dan mitigasi risiko sebagaimana dimaksud dalam ketentuan yang mengatur mengenai permodalan dan manajemen risiko.
1) Capital disclosure and risk management implementation by the bank at least include information about risk profile and possible loss faced by the Bank, and risk management as stated in the regulation on capital and risk management.
382 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Keterangan HalamanPage Description
2) Tujuan pengungkapan permodalan, pengungkapan eksposur risiko dan penerapan manajemen risiko adalah untuk meningkatkan transparansi kepada masyarakat sehingga masyarakat dapat menilai kecukupan permodalanBank dan profil risiko Bank
320 - 329
2) Capital disclosure and risk exposure disclosure and risk management implementation aims to enhance transparency to the public by determining minimum requirements of disclosure, so that the public can assess the risk profile and capital adequacy of the Bank.
3) Bank memiliki kebijakan tertulis yang disetujui oleh Direksi, antara lain mengenai cakupan pengungkapan dan pengendalian intern dalam proses pengungkapan.
-
3) The Bank should have written policy approved by the Board of Directors regarding the disclosures to be reported and internal controls in the disclosure process.
4) Pengungkapan permodalan dan praktik manajemen risiko, paling sedikit mencakup: 319 4) Disclosure of capital and risk management
implementation, among others:
a) Pengungkapan permodalan, terdiri atas: a) Capital disclosure, at least cover:
(1) Pengungkapan kualitatif mengenai: 116 - 117 (1) Qualitative disclosures, among others information about:
(a) struktur permodalan yang memuat penjelasan mengenai instrumen modal yang diterbitkan oleh Bank antara lain: karakteristik, jangka waktu instrumen, fitur opsi beli, fitur step-up, tinngkat imbal hasil, dan peringkat, jika tersedia; dan
(a) capital structure, covering explanation on the equity instruments issued by the bank including: characteristics, duration of instrument, callable feature, features step-up, yield rate, and rating (if available); and
(b) kecukupan permodalan yang berisi penjelasan mengenai pendekatan yang digunakan Bank dalam menilai kecukupan modal untuk mendukung aktivitas yang dilakukan, baik saat ini maupun yang akan datang.
(b) capital adequacy, covering explanations on the approach used by the Bank in assessing capital adequacy to support current and future activities.
(2) Pengungkapan kuantitatif m e n g e n a i struktur permodalan Bank. 142 - 143 (2) Quantitative disclosures covering capital
structure of the Bank.
b) Pengungkapan eksposur risiko dan penerapan manajemen risiko, paling sedikit mencakup:
b) Risk exposure and risk management disclosure, at least include:
(1) Pengungkapan mengenai penerapan manajemen risiko Bank secara umum yang terdiri atas informasi mengenai:
316 - 332(1) Disclosure on the Bank’s Risk Management in
general, including:
(a) pengawasan aktif Direksi dan Dewan Komisaris;
(a) active supervision of the Board of Commissioners and the Board of Directors;
(b) kecukupan kebijakan dan prosedur manajemen risiko, serta penetapan limit risiko;
(b) adequacy of risk management policies and procedures, and determination of risk management limits;
(c) Kecukupan proses identifikasi pengukuran, pemantauan, dan pengendalian risiko, serta sistem informasi manajemen risiko; dan
(c) adequacy of risk identification, measurement, monitoring and mitigation processes as well as risk management information system; and
(d) sistem pengendalian intern yang menyeluruh. 330 - 332 (d) comprehensive internal control system.
(2) Pengungkapan mengenai eksposur risiko dan penerapan manajemen risiko Bank secara khusus yang terdiri atas:
142 - 185(2) Disclosure on risk exposure and
implementation of Bank risk management in particular, covering:
(a) Risiko Kredit; (a) Credit Risk;
(b) Risiko Pasar; (b) Market Risk;
(c) Risiko Likuiditas; (c) Liquidity Risk;
(d) Risiko Operasional; (d) Operational Risk;
(e) Risiko Hukum; (e) Legal Risk;
(f) Risiko Reputasi; (f) Reputation Risk;
383Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Keterangan HalamanPage Description
(g) Risiko Stratejik; dan (g) Strategic Risk; and
(h) Risiko Kepatuhan. (h) Compliance Risk.
(3) Pengungkapan Risiko Kredit sebagaimana dimaksud dalam butir IV.2.d.4).b).(2).(a) tersebut di atas, meliputi:
319 - 321142 - 185
(3) Disclosure of Credit Risk as referred to in point IV.2.d.4).b).(2).(a) above, which includes:
(a) pengungkapan umum, terdiri atas: (a) general disclosure, consist of:
i. pengungkapan kualitatif: i. qualitative disclosure:
i) informasi mengenai penerapan manajemen risiko untuk Risiko Kredit, termasuk organisasi manajemen Risiko Kredit, strategi manajemen Risiko Kredit untuk aktivitas yang memiliki eksposur Risiko Kredit yang signifikan, Kebijakan pengelolaan risiko konsentrasi kredit, serta mekanisme pengukuran dan pengendalian Risiko Kredit;
i) information regarding the application of Credit Risk management including Credit risk management organization, Credit Risk management strategies for activities that have a significant credit risk exposure, credit concentration risk management policies and Mechanism for Credit Risk measurement and control;
ii) difinisi tagihan yang telah jatuh tempo dan tagihan yang mengalami penurunan nilai (impairment); dan
ii) difinition of overdue receiveables and impaired receivables, and
iii) penjelasan mengenai pendekatan yang digunakan untuk pembentukan Cadangan Kerugian Penurunan Nilai (CKPN) individual dan kolektif, serta metode statistik yang digunakan dalam perhitungan CKPN.
iii) Description on the approach used for the Allowance for Loan Impairment Losses (CKPN), individually and collectively, as well as the statistical methods used in the calculation of CKPN.
ii. pengungkapan kuantitatif: ii. quantitative disclosure:
i) pengungkapan Tagihan Bersih Berdasarkan Wilayah;
i) disclosure on Net Receivables byRegion;
ii) pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak;
ii) disclosure on Net Receivables byContractual Maturity;
iii) pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi;
iii) disclosure on Net Receivables byEconomic Sector;
iv) pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah;
iv) disclosure on Receivables andProvisioning by Region;
v) pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi; dan
v) disclosure on Receivables and Provisioning by Economic Sectors; and
vi) pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai.
vi) details on Movements of Allowances for Impairment Losses.
(b) pengungkapan Risiko Kredit dengan pendekatan standar, terdiri atas:
(b) disclosure of Credit Risk using the standarized approach, which consis of:
i. pengungkapan kualitatif: i. qualitative disclosure:
i) informasi mengenai kebijakan penggunaan peringkat dalam perhitungan Aset Tertimbang Menurut Risiko (ATMR) untuk Risiko Kredit;
i) information regarding the use rating in the calculation of Risk Weighted Assets (RWA) for credit risk;
ii) kategori portofolio yang menggunakan peringkat;
ii) category of portfolios that use the rating;
384 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Keterangan HalamanPage Description
iii) lembaga pemeringkat yang digunakan; dan
iii) rating agency; and
iv) pengungkapan Risiko Kredit pihak lawan (counterparty Credit Risk), termasuk:
iv) disclosure of counterparty CreditRisk, including:
– jenis i n s t r u m e n mitigasi yang lazim diterima atau diserahkan oleh Bank;
– types of mitigation instruments commonly accepted/delivered by the Bank;
– metodologi perhitungan kecukupan modal secara intern terkait counterparty credit risk secara intern Bank; dan
– methodology of calculating internal capital adequacy related to counterparty credit risk in the internal of the Bank; and
– metodologi penentuan credit limit terkait counterparty credit risk sebagaimana diatur dalam ketentuan mengenai penerapan manajemen risiko bagi Bank Umum.
– methodology of determining credit limits related to counterparty credit risk as stipulated in the application of risk management for commercial Banks.
ii. pengungkapan kuantitatif: ii. quantitative disclosure:
i) pengungkapan Tagihan Bersih berdasarkan Kategori Portofolio dan Skala Peringkat; dan
i) disclosure of net receivables by Portfolio and Rating Category; and
ii) pengungkapan Risiko Kredit Pihak Lawan (counterparty Credit Risk), antara lain terdiri dari tagihan bersih yang berasal dari eksposur:
ii) disclosure on counterparty Credit Risk, among others consist of net receivables arising from the exposure of:
– transaksi derivatif over the counter;
– over the counter derivative transactions;
– transaksi repo; dan – repo transactions; and
– transaksi reverse repo, – reverse repo transactions,
sebagaimana diatur dalam ketentuan mengenai pedoman perhitungan Aset Tertimbang Menurut Risiko (ATMR) untuk Risiko Kredit dengan menggunakan pendekatan standar.
as stipulated in the guidelines for the calculation of Risk Weighted Assets (RWA) for Credit Risk
(c) pengungkapan mitigasi Risiko Kredit dengan menggunakan pendekatan standar, terdiri atas:
(c) disclosure on Credit Risk mitigation using the standarized approach comprimising
i. pengungkapan kualitatif: i. qualitative disclosure:
i) informasi mengenai kebijakan Bank untuk jenis agunan utama yang diterima;
i) information regarding the bank’s policy for the main types of collateral accepted;
ii) kebijakan, prosedur, dan proses untuk menilai dan mengelola agunan;
ii) policies, procedures, and processes to assess and manage collateral;
iii) pihak-pihak utama pemberi jaminan atau garansi dan kelayakan kredit (creditworthiness) dari pihak- pihak tersebut; dan
iii) main warrantors/guarantors and their credit worthiness; and
385Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Keterangan HalamanPage Description
iv) informasi tingkat konsentrasi yang ditimbulkan dari penggunaan teknik mitigasi Risiko Kredit.
iv) information on concentration level arising from the use of Credit Risk mitigation techniques.
ii. pengungkapan kuantitatif: ii. quantitative disclosure:
i) pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko setelah Memperhitungkan Dampak Mitigasi Risiko Kredit; dan
i) disclosure of Net Receivables based on Risk Weighting after Credit Risk Mitigation; and
ii) pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit.
ii) disclosure of Net Receivables and Credit Risk Mitigation Techniques.
(d) pengungkapan sekuritisasi aset, terdiri atas:
(d) disclosure of asset securization, which consists of:
i. pengungkapan kualitatif: i. qualitative disclosure:
i) pengungkapan umum manajemen risiko, meliputi hal-hal seperti tujuan Bank melakukan aktivitas sekuritisasi aset, efektivitas aktivitas sekuritisasi aset yang dilakukan untuk memindahkan Risiko Kredit dari Bank kepada pihak lain atas transaksi yang menjadi underlying aktivitas sekuritisasi aset, fungsi yang dijalankan Bank dalam aktivitas sekuritisasi aset, dan penjelasan mengenai keterlibatan Bank dalam setiap fungsi;
i) general disclosure of risk management, which includes objective of asset securization, the effectivity of securization activities in transfering the Bank’s credit risk to other party’s over any transaction that underlay the asset securization activities, the Bank’s functions in asset securization activity, and an explanation of the Bank’s involvement in those functions;
ii) ringkasan kebijakan akuntansi untuk aktivitas sekuritisasi aset, antara lain transaksi yang diperlakukan sebagai penjualan atau pendanaan, pengakuan keuntungan dari aktivitas sekuritisasi, dan asumsi yang digunakan untuk menilai ada tidaknya keterlibatan berkelanjutan dari aktivitas sekuritisasi, termasuk perubahan dari periode sebelumnya dan dampak dari perubahan tersebut; dan
ii) summary of accounting policies for asset securization activities, which include, transactions treated as sales or funding, recognition of gains from securization activities, and assumptions used to assess the presence or absence of on going involment in the securization activity, including changes from the previous period and the impact of those changes; and
iii) nama lembaga pemeringkat yang digunakan dalam aktivitas sekuritisasi aset dan eksposur sekuritisasi aset yang diperingkat oleh lembaga pemeringkat dimaksud.
iii) names of the rating used in asset securization activities and asset securization exsposure rated by the said agency.
ii. pengungkapan kuantitatif: ii. quantitative disclosure:
i) pengungkapan T r a n s a k s i Sekuritisasi Aset; dan
i) Securization transaction disclosure, and
ii) pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Aset dalam hal Bank Bertindak sebagai Kreditur Asal.
ii) securization transaction Activity Summary in which the Bank Acts as the Originator.
(e) pengungkapan kuantitatif perhitungan ATMR untuk Risiko Kredit dengan menggunakan pendekatan standar.
(e) quantitative disclosure of Credit Risk RWA calculation using standardized approach
386 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Keterangan HalamanPage Description
(4) Pengungkapan Risiko Pasar sebagaimana dimaksud pada butir IV.2.d.4).b).(2).(b) tersebut di atas dengan menggunakan metode standar, meliputi:
321 - 332176
(4) Disclosure of Market Risk as referred to in point IV.2.d.4).b).(2).(b), above using standardized, comprised of
(a) Pengungkapan kualitatif: (a) Qualitative disclosure:
i. informasi mengenai penerapan manajemen risiko termasuk:
i. information regarding the application of risk management, including:
i) organisasi manajemen Risiko Pasar;
i) Market risk management organization
ii) pengelolaan portofolio trading book dan banking book, serta metodologi valuasi yang digunakan; dan
ii) trading book and banking book portfolio management, as well as the valuation methodology used; and
iii) mekanisme pengukuran Risiko Pasar untuk keperluan pemantauan risiko secara periodik maupun untuk perhitungan kecukupan modal, baik pada trading book maupun banking book.
iii) market risk measurement mechanism for monitoring and periodic risk and for capital adequacy calculations, both on banking book and on trading book.
ii. portofolio trading book dan banking book yang diperhitungkan dalam KPMM;
ii. trading book and banking book portfolio which were taken into account in the Capital Adequacy Ratio (CAR);
iii. pengungkapan informasi mengenai Interest Rate Risk in Banking Book (IRRBB), termasuk asumsi yang digunakan dalam pemantauan IRRBB seperti perilaku non maturity deposit dan informasi prepayment serta frekuensi pengukuran IRRBB sebagaimana diatur dalam ketentuan mengenai penerapan manajemen risiko bagi Bank Umum; dan
iii. disclosure of information on Interest Rate Risk in Banking Book (IRRBB) including the assumptions used in the monitoring of IRRBB, such as non-maturity deposits and the prepayment information, as well as the frequency of measurement of IRRBB, as stipulated in the provisions regarding the application of risk management for Commercial Banks; and
iv. langkah-langkah dan rencana dalam mengantisipasi Risiko Pasar atas transaksi valuta asing baik karena
ƎĚƎƎċîĺîŠ ŒƎƎƎ ŞîƎƎƎŠ ƎƎŒƎƎîƎĿ suku bunga, termasuk penjelasan mengenai semua penyediaan dana dan ikatan tanpa proteksi atau lindung nilai, serta utang yang suku
ċƎŠijîŠƎî ċĚƎƎƎŒƎƎîƎĿ îƎîƎ ƎîŠijtidak ditentukan terlebih dahulu.
iv. measures and plans to anticipate Market Risk on foreign currency transactions, because of changes in exchange rates and of fluctuations of interest rates, including descriptions of all fundings and contracts without protection or hedging, and debts with floating rate or not determined in advance.
(b) Pengungkapan kuantitatif: (b) Quantitative disclosure:
i. Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
i. Market Risk Disclosures using standardized measuremnet methods
Pengungkapan dimaksud sebagaimana diatur dalam ketentuan mengenai pedoman penggunaan metode standar dalam perhitungan KPMM Bank Umum dengan memperhitungkan Risiko Pasar.
The disclosure referred to as stipulated in the guidelines for the use of a standard method in the calculation of CAR for Commercial Bank, taking into account the Market Risk.
ii. Pengungkapan Eksposur Interest Rate Risk in Banking Book (IRRBB)
ii. Disclosure of Interest Rate Risk in the Banking Book (IRRBB) Exposure
387Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Keterangan HalamanPage Description
Pengungkapan eksposur IRRBB yaitu peningkatan atau penurunan economic value dan earnings terhadap pergerakan suku bunga berdasarkan format gap report yang disusun Bank dalam rangka pemenuhan ketentuan mengenai penilaian tingkat kesehatan Bank Umum dan penerapan manajemen risiko bagi Bank Umum.
The disclosure of IRRBB exposure, namely the increase or decrease in economic value and earnings against the movements in interest rates based on the gap report format prepared by the Bank to meet the provisions concerning the assessment on the soundness of commercial banks and the application of risk management for Commercial Banks.
(5) Pengungkapan Risiko Likuiditas sebagaimana dimaksud dalam butir IV.2.d.4).b).(2).(c) tersebut di atas, meliputi:
323178
(5) Disclosure of Liquidity Risk as referred to in point IV.2.d.4).b).(2).(c) above include:
(a) Pengungkapan kualitatif: (a) Qualitative disclosures:
i. informasi mengenai penerapan manajemen risiko untuk Risiko Likuiditas, termasuk:
i. information on the implementation of risk management for liquidity risk, including:
i) organisasi manajemen Risiko Likuiditas;
i) liquidity risk management organization
ii) strategi pendanaan; ii) funding strategy;
iii) teknik mitigasi Risiko Likuiditas termasuk indikator peringatan dini permasalahan likuiditas, dan rencana pendanaan darurat; dan
iii) Liquidity Risk mitigation techniques including early warning indicators of liquidity problems, and emergency funding plan; and
iv) mekanisme pengukuran dan stress testing serta pengendalian Risiko Likuiditas;
iv) the mechanisms of measurement and stress testing and control liquidity risk;
ii. gambaran umum mengenai kondisi likuiditas Bank berdasarkan perhitungan LCR selama setahun, bagi Bank yang diwajibkan untuk menyusun dan mempublikasikan laporan LCR sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan mengenai kewajiban pemenuhan rasio kecukupan likuiditas (liquidity coverage ratio) bagi Bank Umum.
ii. general overview of the Bank’s liquidity conditions, based on the calculation of the LCR during the year under review, for banks that are required to prepare and publish LCR report, as stipulated in the Financial Services Authority Regulation on liquidity coverage ratio for Commercial Bank.
(b) Pengungkapan kuantitatif: (b) Quantitative disclosure:
i. Pengungkapan Profil Maturitas Rupiah dan Valuta Asing; dan
i. Disclosure of Rupiah and Forex Maturity profile; and
ii. Pengungkapan Nilai LCR; ii. Disclosure of LCR;
Pengungkapan dimaksud hanya berlaku bagi Bank yang diwajibkan menyusun dan mempublikasikan laporan LCR sebagaimana diatur dalam Peraturan Otoritas Jasa Keuangan mengenai kewajiban pemenuhan rasio kecukupan likuiditas (liquidity coverage ratio) bagi Bank Umum.
The said disclosure is applied only for Banks that are required to prepare and publish LCR report, as stipulated in the Financial Services Authority Regulation on liquidity coverage ratio for Commercial Bank.
(6) Pengungkapan Risiko Operasional sebagaimana dimaksud dalam butir IV.2.d.4).b).(2).(d) tersebut di atas, meliputi:
177, 322(6) Disclosure of Operational Risk as mentioned
in point IV.2.d.4).b).(2).(d) above, include:
(a) Pengungkapan kualitatif, meliputi informasi mengenai penerapan manajemen risiko untuk Risiko Operasional, termasuk:
(a) Qualitative disclosure, which include information regarding the application of risk management for Operational Risk, including:
388 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Keterangan HalamanPage Description
i. organisasi manajemen Risiko Operasional;
i. Operational R i s k management organization
ii. mekanisme yang digunakan bank untuk mengidentifikasi dan mengukur Risiko Operasional; dan
ii. mechanism used by the Bank for identifying and measuring operational risk; and
iii. mekanisme untuk memitigasi Risiko Operasional.
iii. mechanism for operational risk mitigation.
(b) Pengungkapan kuantitatif yang cakupannya mengacu pada ketentuan mengenai perhitungan ATMR untuk Risiko Operasional dengan menggunakan Pendekatan Indikator Dasar (PID)
(b) Quantitative disclosure with coverage refer to provisions on the calculation of ATMR for Operational Risk using Basic Indicator Approach (BIA)
(7) Pengungkapan Risiko Hukum sebagaimana dimaksud dalam butir IV.2.d.4).b).(2).(e) tersebut di atas memuat pengungkapan kualitatif mengenai penerapan manajemen risiko untuk Risiko Hukum, termasuk:
324
(7) Disclosure of Legal Risk as referred to in point IV.2.d.4).b).(2).(e) above includes qualitative disclosure on risk management for Legal Risks which include:
(a) organisasi manajemen Risiko Hukum; dan (a) Legal risk management organization, and
(b) mekanisme pengendalian Risiko Hukum. (b) Legal Risk control mechanism.
(8) Pengungkapan Risiko Reputasi sebagaimana dimaksud dalam butir IV.2.d.4).b).(2).(f) tersebut di atas memuat pengungkapan kualitatif mengenai penerapan manajemen risiko untuk Risiko Reputasi, termasuk:
328
(8) Disclosure of Reputation Risk as referred to in point IV.2.d.4).b).(2).(f) above includes qualitative disclosure on risk management for Reputation Risks which include:
(a) organisasi manajemen Risiko Reputasi, termasuk pelaksanaan manajemen risiko untuk Risiko Reputasi oleh unit-unit terkait (Corporate Secretary, Humas, dan unit bisnis terkait );
(a) Reputation Risk management organization, including the implementation of risk management for Reputation Risk by related units (Corporate Secretary, Public Relation, and related Business units);
(b) kebijakan dan mekanisme dalam rangka meningkatkan kualitas pelayanan kepada nasabah dan pemangku kepentingan (stakeholder) lainnya untuk mengendalikan Risiko Reputasi; dan
(b) policies and mechanisms to improve the quality of services to customers and other stakeholders to control Reputation Risk; and
(c) pengelolaan Risiko Reputasi pada saat krisis.
(c) Risk Reputation management under critical situation.
(9) Pengungkapan Risiko Stratejik sebagaimana dimaksud dalam butir IV.2.d.4).b).(2).(g) tersebut di atas memuat pengungkapan kualitatif mengenai penerapan manajemen risiko untuk Risiko Stratejik, termasuk:
324 - 325
(9) Disclosure of Strategic Risk as referred to in point IV.2.d.4).b).(2).(g) above includes qualitative disclosure on risk management for Strategic Risks which include:
(a) organisasi manajemen Risiko Stratejik; (a) strategic risk management organization
(b) kebijakan yang memungkinkan Bank untuk dapat dan mengidentifikasi dan merespon perubahan lingkungan bisnis, baik ekstern maupun intern; dan
(b) policies that allow the Bank to identify and respond the changes in external and internal business environment; and
(c) mekanisme untuk mengukur kemajuan yang dicapai dari rencana bisnis yang ditetapkan.
(c) mechanist to measure the progress of the business plan.
(10)Pengungkapan Risiko Kepatuhan sebagaimana dimaksud dalam butir IV.2.d.4).b).(2).(h) tersebut di atas memuat pengungkapan kualitatif mengenai penerapan manajemen risiko untuk Risiko Kepatuhan, termasuk:
326 - 328
(10) Disclosure of Compliance Risk as referred to in point IV.2.d.4).b).(2).(h) above includes qualitative disclosure on risk management for compliance risks which include:
(a) organisasi manajemen Risiko Kepatuhan; (a) Compliance Risk management organization;
389Laporan Tahunan 2018 Annual Report
7
Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan
Operational Review Corporate Governance Corporate Social Responsibility
Keterangan HalamanPage Description
(b) strategi manajemen risiko dan efektivitas penerapan manajemen risiko untuk Risiko Kepatuhan, terutama dalam rangka memastikan penyusunan kebijakan dan prosedur telah sesuai dengan standar yang berlaku secara umum, ketentuan, dan/atau peraturan perundang-undangan yang berlaku; dan
(b) risk management strategies and effectiveness of risk management implementation for Compliance Risk, particularly in order to ensure the policies and procedures are in compliance with the applicable standards in general, applicable rules and/or legislation; and
(c) mekanisme pemantauan d a n pengendalian Risiko Kepatuhan.
(c) mechanism for monitoring a n d controlling Compliance Risk.
5) Dalam hal terdapat perubahan informasi yang cenderung bersifat cepat (prone to rapid change) antara lain terkait perubahan kondisi ekonomi, teknologi, regulasi, dan kebijakan intern Bank/ kelompok usaha, Bank harus mengungkapkan eksposur risiko dan hal terkait lainnya yang diterapkan Bank sebagaimana dimaksud pada butir IV.2.d.4).b) dalam Situs Web Bank secara triwulanan.
5) In the event of change in information that is prone to rapid change, among others, related to changes in economic conditions, technology, regulations, and internal policies of the Bank/business group, then the Bank should disclose the risk exposure and other related matters that are applied by the Bank as referred to in point IV. 2.d.4).b) in the Bank’s website on a quarterly basis.
e. Pengungkapan khusus bagi Bank yang merupakan bagian dari suatu kelompok usaha dan/atau memiliki Entitas Anak, paling sedikit memuat informasi sebagai berikut:
e. specific disclosure of bank which become the part of Business Group and/or its Subsidiaries, at least consisting of;
1) Struktur kelompok usaha Bank yang meliputi: 251 1) structure of the Bank business group, consisting of:
a) struktur kelompok usaha Bank, yang antara lain terdiri dari Bank, Entitas Anak, Perusahaan Terelasi, Entitas Induk sampai dengan ultimate shareholder;
a) business group structure, among other include the bank, subsidiaries, affliates, finacial holding company, and/or parent company to the ultimate shareholder;
b) struktur keterkaitan kepengurusan dalam kelompok usaha Bank; dan
b) structure of the management relationship in the Bank’s business; and
c) Pemegang Saham yang bertindak atas nama Pemegang Saham lain (shareholders acting in concert). Pengertian Pemegang Saham yang bertindak atas nama Pemegang Saham lain adalah Pemegang Saham perorangan atau entitas yang memiliki tujuan bersama yaitu mengendalikan Bank, berdasarkan atau tidak berdasarkan suatu perjanjian.
c) Shareholders acting on behalf of other shareholders (shareholders acting in concert ). The definition of a shareholder acting on behalf of other shareholders is individual shareholders or companies/legal entities who have the common goal of controlling the Bank, based or not based on agreement.
2) Transaksi antara Bank dengan Pihak-pihak Berelasi dalam kelompok usaha Bank, memperhatikan hal- hal sebagai berikut:
342 - 3442) Transactions between the bank and related
parties in the Bank’s business group, taking into account the following matters:
a) informasi transaksi dengan Pihak-pihak Berelasi, baik yang dilakukan Bank maupun yang dilakukan oleh setiap entitas di dalam kelompok usaha Bank yang bergerak di bidang keuangan;
a) information of transactions with Related Parties conducted by the Bank or any company or legal entity in the Bank business group working in the field of finance;
b) Pihak-pihak Berelasi adalah pihak-pihak sebagaimana diatur dalam standar akuntansi keuangan;
b) Related Party is party as stipulated in the applicable statement of Financial accountancy standard;
c) jenis transaksi dengan Pihak-pihak Berelasi, antara lain:
c) types of transactions with Related Party are, among others:
(1) kepemilikan silang (cross shareholding);
(1) cross shareholding;
(2) transaksi dari suatu kelompok usaha yang bertindak untuk kepentingan kelompok usaha yang lain;
(2) transactions from one business group acting for the interest of other business groups;
(3) pengelolaan likuiditas jangka pendek dalam kelompok usaha;
(3) management of short term liquidity in business group;
390 PT Bank MNC Internasional Tbk.
Ikhtisar Kinerja Laporan Manajemen Profil PerusahaanAnalisa & Pembahasan
Manajemen
Performance Highlights Management Report Company Profile Managemenet Discussion & Analysis
Keterangan HalamanPage Description
(4) penyediaan dana yang diberikan atau diterima oleh entitas lain dalam satu kelompok usaha;
(4) provision of funds distributed or received by another company in one business group;
(5) eksposur kepada Pemegang Saham mayoritas antara lain dalam bentuk pinjaman, komitmen dan kontinjensi; dan
(5) exposure to majority shareholder in the form of loans, commitments and contingency; and
(6) pembelian, penjualan dan/atau penyewaan aset dengan entitas lain dalam suatu kelompok usaha, termasuk yang dilakukan dengan repurchase agreement (repo).
(6) buying or selling of assets with another company in a business group, including repurchase agreements (repo).
3) Transaksi dengan Pihak-pihak Berelasi yang dilakukan oleh setiap entitas dalam kelompok usaha Bank yang bergerak di bidang keuangan;
342 - 344
3) Transactions with Related Parties which conduct by every entities in the Bank’s business group working in the field of finance;
4) Penyediaan dana, komitmen maupun fasilitas lain yang dapat dipersamakan dengan itu dari setiap entitas yang berada dalam satu kelompok usaha dengan Bank kepada debitur dan/atau pihak-pihak yang telah memperoleh penyediaan dana dari Bank;
-
4) Funds provision, commitment or other equal facilities of each company or legal entity belonging to one business group with the Bank on a debtor already obtaining fund provisions from the bank;
5) Pengungkapan secara konsolidasi mengenai permodalan dan praktik manajemen risiko yang diterapkan Bank, paling sedikit meliputi uraian jenis risiko, potensi kerugian yang dihadapi Bank, dan mitigasi risiko sebagaimana dimaksud dalam butir IV.2.d.; dan
-
5) Consolidated capital disclosure, risk management applied by the Bank, at least include description on type of risk, potential loss and risk mitigation, as referred in point IV.2.d.; and
6) Adanya larangan, batasan dan/atau hambatan signifikan lainnya untuk melakukan transfer dana atau dalam rangka pemenuhan modal yang dipersyaratkan oleh Otoritas (regulatory capital) antara Bank dengan entitas lain dalam satu kelompok usaha.
-
6) Prohibition, restriction and/or other significant barriers to transfer funds or in order to meet the required capital by the Authority (regulatory capital) between the Bank and other entities in the group.
f. Pengungkapan lain sesuai standar akuntansi keuangan, apabila belum tercakup dalam huruf a sampai dengan huruf e.
f. Other disclosures in accordance with other Financial Accounting Standards which has not been included in point a through e.
laporan keuangan audItAudited Financial Statement
08
PT BANK MNC INTERNASIONAL TBKlaporan Keuanganpada dan untuk tahun Yang Berakhir tanggal31 desember 2018Beserta laporan auditor independen
Financial StatementsAs Of And For The Year EndedDecember 31, 2018With Independent Auditors’ Report
laporan auditor independen/Independent Auditors’ Report
laporan posisi Keuangan/Statement Of Financial Position
laporan laba rugi dan penghasilan Komprehensif lain/Statement Of Profit Or Loss And Other Comprehensive Income
laporan perubahan ekuitas/Statement Of Changes In Equity
laporan arus Kas/Statement Of Cash Flows
Catatan atas laporan Keuangan/Notes To Financial Statements
i - ii
1 - 2
3 - 4
5
6 - 7
8 - 105
daftar isiTable of Contents
MN<@bank
SURAT PERNYATAAN DIREKSITENTANG TANGGUNG JAWAB ATAS
LAPORAN KEUANGAN TANGGAL31 DESEMBER 2018
DAN UNTUK TAHUN YANG BERAKHIRPADA TANGGAL TERSEBUT
PT BANK MNC INTERNASIONAL TBK
Kami yang bertandatangan dibawah ini :
NamaAlamat Kantor
Alamat Domisili
Nomor TeleponJabatan
NamaAlamat Kantor
Alamat Domisili
Nomor TeleponJabatan
Rita MontagnaGedung MNC Financial Center Lantai 8Jl. Kebon Sirih No 21-27 Jakarla 10340
Jl. Tebet Barat 62 RT/RW 010/005Tebet Barat, Tebet, Jakarta Selatan
62-21-2980 5555Direktur / Director
HermawanGedung MNC Financial Center Lantai 8Jl. Kebon Sirih No 21-27 Jakafta 10340
Jl. Dr. Nurdin ll Gg lll 5C RT/RW 010/007Grogol, Grogol Petamburan, Jakarta Barat
62-21-2980 5555Direktur/ Director
Jakarta, 26 Maret 2019 | March 26,2019
Declare that:We are responsible for the preparation and thepresentation of the financial statements of PTBank MNC lnternasional Tbk (Bank);The Bank's financial statements have beenprepared and presented in accordance withlndonesian Financial Accounting Standards;a. All information in the Bank's financial
statements has been fully and correctlydlsc/osed
b. The Bank's financial sfafemenfs do notcontain any material inconect information orfacts, and do not omit materialinformation or facts;
4. We are responsible for the Banks's internalcontrol system.
This statement has been made truthfully.
BOARD OF DIRECTORS STATEMENTREGARDING RESPONSIBILITY
FO R T H E FI N ANCIAL SIA TEME'I.TSAS OF DECEMBER 31, 2018
AND FOR THE YEAR THEN ENDED
PT BANK MNC INTERNASIONAL TBK
We, the undersigned:
NameOffice Address
Residential Address
Phone NumberTitle
NameOffice Address
Residential Address
Phone NumberTitle
Menyatakan bahwa :
1. Kami bertanggung jawab atas penyusunan danpenyajian laporan keuangan PT Bank MNCInternasional Tbk (Bank);
2. Laporan keuangan Bank telah disusun dandisajikan sesuai Standar Akuntansi Keuangan diIndonesia:
3. a. Semua informasi dalam laporan keuanganBank telah diungkapkan secaralengkap dan benar;
b. Laporan keuangan Bank tidak mengandunginformasi atau fakta material yang tidak benardan tidak menghilangkan informasi atau faktamaterial;
4. Kami bertanggung jawab atas sistempengendalian intern Bank.
Demikian pernyataan ini dibuat dengan sebenarnya.
Rita MontaqnaDirektur / Director
HermawanDirektur / Director
PT Bank MNC lnternasional Tbk, MNC Financial Center Lantai 8 Jl. Kebon Sirih No. 21-27 Jakaria 1O34O
T. + 6221 2980 5555 F. + 6221 3983 6700 W. w.mncbank co. id
@ I KANAKA PURADIREDJA, SUHARTONOPublic Accountants, Tax and Business Advisory Services
Laporan Auditor Independen
Kepada Yth,Para Pemegang Saham, Komisaris dan DireksiPT Bank MNC Internasional Tbk
Kami tetah mengaudit [aporan keuangan PT Bank MNC
Internasional lbk ("Bank") tertampir, yang terdiri dari laporanposisi keuangan tanggal 31 Desember 2018, serta [aporan [aba-
rugi dan penghasilan komprehensif [ain, [aporan perubahan
ekuitas, dan laporan arus kas untuk tahun yang berakhir pada
tanggaI tersebut, dan suatu ikhtisar kebijakan akuntansisignifikan dan informasi penjetasan lainnya.
Tanggung jawab manajemen atas [aporan keuangan
Manajemen bertanggung jawab atas penyusunan dan penyajian
wajar [aporan keuangan ini sesuai dengan Standar AkuntansiKeuangan di Indonesia, dan atas pengendalian internal yang
dianggap perlu oteh manajemen untuk memungkinkanpenyusunan [aporan keuangan yang bebas dari kesatahanpenyajian materiat, baik yang disebabkan oleh kecurangan
maupun kesatahan.
Tanggung jawab auditor
Tanggung jawab kami adalah untuk menyatakan suatu opiniatas [aporan keuangan ini berdasarkan audit kami. Kami
metaksanakan audit kami berdasarkan Standar Audit yang
ditetapkan oteh Institut Akuntan Pubtik Indonesia. Standartersebut mengharuskan kami untuk mematuhi ketentuan etikaserta merencanakan dan metaksanakan audit untuk memperoteh
keyakinan memadai tentang apakah laporan keuangan bebas
darj kesalahan penyajian materiat.
Suatu audit metibatkan petaksanaan prosedur untukmemperoteh bukti audit tentang angka-angka dan
pengungkapan dalam Laporan keuangan. Prosedur yang dipitihbergantung pada pertimbangan auditor, termasuk penitaian
atas risiko kesatahan penyajian materiaI dalam laporankeuangan, baik yang disebabkan oteh kecurangan maupun
kesalahan. Datam metakukan penitaian risiko tersebut, auditormemperfimbangkan pengendatian internaI yang relevan dengan
penyusunan dan penyajian wajar [aporan keuangan entitasuntuk merancang prosedur audit yang tepat sesuai dengan
kondisinya, tetapi bukan untuk tujuan menyatakan opini atas
keefektivitasan pengendatian internaI entitas. Suatu audit juga
mencakup pengevatuasian atas ketepatan kebijakan akuntansiyang digunakan dan kewajaran estimasi akuntansi yang dibuatoteh manajemen, serta pengevatuasian atas penyajian laporan
keuangan secara keseluruhan.
Kami yakin bahwa bukti audit yang tetah kami peroteh adatah
cukup dan tepat untuk menyediakan suatu basis bagi opini auditkami.
0pini
Menurut opini kami, Laporan keuangan tertampir menyajikan
secara wajar, dalam semua hal yang materjal, posisi keuangan
PT Bank MNC Internasiona[ Tbk tanggal 31 Desember 2018. serta
kinerja keuangan dan arus kas untuk tahun yang berakhir pada
tanggaI tersebut, sesuai dengan Standar Akuntansi Keuangan di
In donesia.
To:The Shareholders, Commissioners and Directors of
PT Bank MNC lnternasionalTbk
We have audited the acconpanying ftnancial statements ofPT Bank MNC Internasional Tbk (the "Bank"), which compisethe statement of financial position as of December il, 2018,and the statement of profit or loss and other comprehensiveincome, statement of changes in equity, and statement of cash
flows for the year then ended, and a summary of significantaccounting policies and other explanatory information.
Management's responsibility for the financial statements
Management is responsible for the preparation and fairpresentation of these financial statements in accordance withfinancial Accounting Standards in Indonesia, and for such
internal control as management determines is necessaryr toenable the preparation of financial statenents that are freefrom material misstatement, whether due to fraud or error.
Au dito r s' r e s p o n si b i li ty
1ur responsibility is to express an opinion on these financialstatements based on our audit. We conducted our audit inaccordance with Standards on Auditing established by theIndonesian Institute of Certified Public Accountants. Those
standards require that we comply with ethical requirements andplan and perform the audit to obtain reasonable assurance
about whether the financial statements are free from naterialmisstatement.
An audit involves perfoming procedures to obtain auditevidence about the amounts and disclosures in the financialstatements. The procedures selected depend on the auditors'judgement, including the assessmenf of the risks of material
misstatement of the financial statements, whether due to fraudor error. In making those risk assessmentt the auditorsconsider internal control relevant to the entity's preparation
and fair presentation of the financial statements in order todesign audit procedures that are appropriate in thecircumstances, but not for the purpose of expressing an
opinion on the effectiveness of the entity's internal control. An
audit also includes evaluating the appropiteness of accountingpolicies used and the reasonableness of accounting estimatesmade by management, as well as evaluating the overallpresentation of the financiaL statenents.
We believe that the audit evidence we have obtained issufficient and appropriate to provide a basis for our auditopinion.
0pinion
In our opinion, the accompanying financial statements present
fairly, in all mateial respects, the financial position of PT Bank
MNC Internasional Tbk as of December 31, 2018, and theirfinancial performance and cash flows for the year then ended,
in accordance with Indonesian Financial Accountinq Standards.
18 Office Park, Tower A 20th tloor
Jl. TB Simatupang No. 18. Pasar Minggu
Jakarta 12520 - Indonesia
Tel: 62-21 2270 8292 . Fat: 62-21 2270 82gg
I n de pen d ent Auditors' Reoo rt
Ref: 001 6413.0357 / AU.1 /07 / 0126 /1 /fi1/207e
Ffm Licen*: 1 165/KN4.1/2017 - I November 2017
Kanaka Puradiredja, Suhadono is a memb€r of Nexia International, a woddwide netuoft of independent ac@unling ad consulting fims
!l. A member of(s)NexiaV lnternational Email: officel [email protected]
& | TGNAKA PURADTREDJA, SUHARTONOPublic Accountants, Tax and Business Advisory Services
Ha[ lain
Laporan keuangan PT Bank MNC Internasional Tbk tanggal31 Desember 2077 dan untuk tahun yang berakhir pada tanggaltersebut, disajikan sebagai angka responding terhadap laporankeuangan tanggat 31 Desember 2018 dan untuk tahun yangberakhir pada tanggaI tersebut, diaudit oleh auditor independenlain dengan No. GA118 0117 BMNC RW pada tanggal 14 Februari2018 dengan opini wajar tanpa modifikasian atas laporankeuangan.
KANAKA PURADIREDJA, SUHARTOI{O
Ftorus Daeli, MM., CPA.
Nomor Ijin Akuntan Pubtik No. AP.0126License of Public Accountant No. AP.0126
Jakarta, 26 Maret 20L9 / March 26,2019
Ref: 00164/3.0357 / AU.7 /07 /0726/7fiI1/2otg
0ther matter
The financial stafements of PT Bank MNC Internasional Tbk asof December 31, 2017 and for the year then ended werepresented as a number responding to the financial statementsas of December 31, 2018 and for the year then ended, auditedby other independent auditors with No. GA118 0117 BMNC RW
on February 14, 2018 which expressed an unnodified opinionon such financial statements.
-|l-
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan
dari Laporan Keuangan secara keseluruhan
See accompanying Notes to Financial Statements which are an integral part of the Financial
Statements taken as a whole
- 1 -
PT BANK MNC INTERNASIONAL Tbk PT BANK MNC INTERNASIONAL Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 Desember 2018 December 31, 2018
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/
Notes 2018 2017
ASET ASSETS
Kas 5 173.207 121.769 Cash
Giro pada Bank Indonesia 6 408.893 603.840 Demand deposits with Bank Indonesia
Giro pada bank lain – pihak ketiga 7 257.890 192.564 Demand deposits with other banks
– third parties
Penempatan pada Bank Indonesia dan
bank lain – pihak ketiga
8 890.483 1.117.872 Placements with Bank Indonesia and
other banks – third parties
Efek-efek – pihak ketiga 9 927.423 1.101.137 Securities – third parties
Tagihan derivatif – pihak ketiga 10 1.082 20 Derivative receivables – third parties
Kredit 11 Loans
- Pihak berelasi 35 129.110 98.465 - Related parties
- Pihak ketiga 7.382.523 7.016.457 - Third parties
7.511.633 7.114.922
Cadangan kerugian penurunan nilai (238.665) (331.116) Allowance for impairment losses
Jumlah 7.272.968 6.783.806 Total
Tagihan akseptasi – pihak ketiga 12 36.419 1.522 Acceptances receivable – third parties
Biaya dibayar dimuka 13 178.879 150.968 Prepaid expenses
Aset tetap – bersih 14 48.137 55.113 Premises and equipment - net
Aset pajak tangguhan – bersih 32 259.109 276.842 Deferred tax assets – net
Aset takberwujud – bersih 15 24.565 24.570 Intangible assets – net
Aset lain-lain – bersih 16 375.800 276.071 Other assets – net
JUMLAH ASET 10.854.855 10.706.094 TOTAL ASSETS
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan
dari Laporan Keuangan secara keseluruhan
See accompanying Notes to Financial Statements which are an integral part of the Financial
Statements taken as a whole
- 2 -
PT BANK MNC INTERNASIONAL Tbk PT BANK MNC INTERNASIONAL Tbk
LAPORAN POSISI KEUANGAN (lanjutan) STATEMENT OF FINANCIAL POSITION (continued)
31 Desember 2018 December 31, 2018
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/
Notes 2018 2017
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
Liabilitas Liabilities
Liabilitas segera 37.937 39.585 Liabilities payable immediately
Simpanan 17 Deposits
- Pihak berelasi 35 865.162 584.194 - Related parties
- Pihak ketiga 7.604.794 8.443.515 - Third parties
Jumlah 8.469.956 9.027.709 Total
Simpanan dari bank lain – pihak ketiga 18 740.092 197.257 Deposits from other banks – third parties
Liabilitas derivatif – pihak ketiga 10 - 95 Derivative payables – third parties
Liabilitas akseptasi – pihak ketiga 12 36.419 1.522 Acceptances payable – third parties
Utang pajak 19,32 10.131 12.462 Taxes payable
Liabilitas imbalan pasca kerja 34 42.184 53.355 Employee benefits obligation
Beban yang masih harus dibayar 20 74.608 110.878 Accrual expenses
Liabilitas lain-lain 21 13.538 10.683 Other liabilities
JUMLAH LIABILITAS 9.424.865 9.453.546 TOTAL LIABILITIES
EKUITAS EQUITY
Modal saham - nilai nominal Rp100 per saham
Modal dasar – 60.000.000.000 saham
Modal ditempatkan dan disetor penuh -
21.785.053.618 saham pada tahun 2018
dan 21.261.473.347 saham pada tahun
2017
22 2.178.505 2.126.147 Capital stock - Rp100 per share authorized
60,000,000,000 shares
Subscribed and paid-up -21,785,053,618
shares in 2018 and 21,261,473,347 shares
in 2017
Tambahan modal disetor – bersih 23 82.722 722 Additional paid-in capital – net
Penghasilan (rugi) komprehensif lain 24 (11.323) 2.614 Other comprehensive income (loss)
Defisit (819.914) (876.935) Deficits
JUMLAH EKUITAS 1.429.990 1.252.548 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 10.854.855 10.706.094 TOTAL LIABILITIES AND EQUITY
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan
dari Laporan Keuangan secara keseluruhan
See accompanying Notes to Financial Statements which are an integral part of the Financial
Statements taken as a whole
- 3 -
PT BANK MNC INTERNASIONAL Tbk PT BANK MNC INTERNASIONAL Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir Tanggal 31 Desember 2018 For the Year Ended December 31, 2018
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/
Notes 2018 2017
Pendapatan dan beban operasional Operating revenues and expenses
Pendapatan bunga Interest revenues
Bunga yang diperoleh 25 920.171 993.639 Interest earned
Provisi dan komisi kredit 40.085 27.908 Loan commissions and fees
Jumlah pendapatan bunga 960.256 1.021.547 Total interest revenues
Beban bunga Interest expenses
Bunga 26 556.290 656.070 Interest expense
Premi penjaminan 39 16.495 20.788 Guarantee premium
Jumlah beban bunga 572.785 676.858 Total interest expenses
Pendapatan bunga – bersih 387.471 344.689 Interest revenues – net
Pendapatan operasional lainnya Other operating revenues
Pendapatan transaksi valuta asing – bersih 5.680 8.437 Gain on foreign exchange transactions – net
Keuntungan bersih penjualan efek 9 3.285 18.806 Net gain on sale of securities
Provisi dan komisi selain kredit – bersih 27 46.295 35.134 Commissions and fees from transactions other
than loans – net
Penerimaan kembali kredit yang dihapus buku 11 82.746 3.183 Recovery of loans previously written-off
Keuntungan (kerugian) yang belum direalisasi
dari efek yang diperdagangkan
(1.608) 1.478 Unrealized gain (loss) from trading securities
Lainnya 28 101.399 48.361 Others
Jumlah pendapatan operasional lainnya 237.797 115.399 Total other operating revenues
Beban kerugian penurunan nilai Provision for impairment losses
Aset keuangan 29 34.333 826.180 Financial assets
Aset non-keuangan - 13.996 Non-financial assets
Jumlah beban kerugian penurunan nilai 34.333 840.176 Total provision for imparment losses
Beban operasional lainnya Other operating expenses
Umum dan administrasi 30 237.197 253.088 General and administrative
Tenaga kerja 31 224.922 228.264 Personnel
Beban pensiun dan imbalan pasca kerja 34 9.609 17.629 Pension and employee benefits
Lainnya 39.010 37.931 Others
Jumlah beban operasional lainnya 510.738 536.912 Total other operating expenses
Beban operasional lainnya – bersih (307.274) (1.261.689) Other operating expenses – net
Laba (rugi) operasional 80.197 (917.000) Income (loss) from operations
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan
dari Laporan Keuangan secara keseluruhan
See accompanying Notes to Financial Statements which are an integral part of the Financial
Statements taken as a whole
- 4 -
PT BANK MNC INTERNASIONAL Tbk PT BANK MNC INTERNASIONAL, Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN (lanjutan) OTHER COMPREHENSIVE INCOME (continued)
Untuk Tahun yang Berakhir Tanggal 31 Desember 2018 For the Year Ended December 31, 2018
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/
Notes 2018 2017
Laba (rugi) operasional (saldo pindahan) 80.197 (917.000) Income (loss) from operations
(Balance brought forward)
Pendapatan (beban) non operasional Non-operating revenues (expenses)
Hasil sewa 16 536 365 Rental revenues
Keuntungan penjualan aset tetap 14 547 16.274 Gain on sale of premises and equipment
Rugi penjualan agunan yang diambil alih (105) (548) Loss on sale of foreclosed properties
Lainnya – bersih (1.775) (5.161) Others – net
Pendapatan (beban) non operasional –
bersih
(797) 10.930 Non-operating revenues (expenses) – net
Laba (rugi) sebelum manfaat (beban)
pajak
79.400 (906.070) Income (loss) before tax benefit (expenses)
Manfaat (beban) pajak tangguhan 32 (22.379) 220.877 Deferred income tax (expense) benefit
Laba (rugi) bersih tahun berjalan 57.021 (685.193) Net income (loss) for the year
Penghasilan komprehensif lain Other comprehensive income
Pos yang tidak akan direklasifikasi ke
laba rugi :
Item that will not be reclassified
subsequently to profit or loss :
Pengukuran kembali atas kewajiban
imbalan pasti
34 9.752 736 Remeasurement of defined benefits
obligation
Pajak penghasilan terkait pos yang tidak
akan direklasifikasi ke laba rugi
32 (2.438) (183) Income tax relating to item that will not
be reclassified subsequently to profit
or loss
Sub jumlah 7.314 553 Sub total
Pos yang akan direklasifikasi ke laba rugi Item that will be reclassified subsequently to
profit or loss
Perubahan nilai wajar efek tersedia untuk
dijual
9 (28.335) 11.708 Changes in fair value of available for
sale (AFS) securities
Pajak penghasilan terkait pos yang akan
direklasifikasi ke laba rugi
32 7.084 (2.927) Income tax relating to item that will be
reclassified subsequently to profit or loss
Sub jumlah (21.251) 8.781 Sub total
Jumlah penghasilan (rugi) komprehensif
lain tahun berjalan setelah pajak
(13.937) 9.334 Total other comprehensive income (loss) for
the current year net of tax
Jumlah laba (rugi) komprehensif 43.084 (675.859) Total comprehensive income (loss)
Laba (rugi) per saham
(dalam Rupiah penuh)
Earnings (loss) per share
(in full Rupiah amount)
Dasar 33 2,66 (33,19) Basic
Dilusian 2,66 (33,19) Diluted
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan dari Laporan Keuangan secara keseluruhan See accompanying Notes to Financial Statements which are an integral part of the Financial Statements taken as a whole
- 5 -
PT BANK MNC INTERNASIONAL Tbk PT BANK MNC INTERNASIONAL Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir Tanggal 31 Desember 2018 For the Year Ended December 31, 2018
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Penghasilan (rugi)
komprehensif lain/
Other comprehensive income
(loss)
Tambahan Perubahan
Pengukuran
kembali
modal nilai wajar atas kewajiban Saldo laba (Defisit)/
disetor – efek tersedia imbalan pasti/ Retained earnings (Deficit)
bersih/ untuk dijual/ Remeasurement Tidak
Catatan/
Notes
Modal saham/
Capital stock
Additional
paid-in capital
- net
Changes in
fair value of
AFS securities
of defined
benefits
obligation
Ditentukan
penggunaannya/
Appropriated
ditentukan
penggunaannya/
Unappropriated
Jumlah
ekuitas/
Total equity
Saldo per 1 Januari 2017 2.058.147 720 (6.363) (357) 17.940 (209.682) 1.860.405 Balance as of January 1, 2017
Rugi bersih tahun berjalan - - - - - (685.193) (685.193) Net loss for the year
Penghasilan komprehensif lain –
setelah pajak
- - 8.781 553 - - 9.334 Other comprehensive income –
net of tax
Pelaksanaan waran seri II dan III 22 68.000 2 - - - - 68.002 Exercise of series II and III warrants
Saldo per 31 Desember 2017 2.126.147 722 2.418 196 17.940 (894.875) 1.252.548 Balance as of December 31, 2017
Laba bersih tahun berjalan - - - - - 57.021 57.021 Net income for the year
Penghasilan (rugi) komprehensif
lain – setelah pajak
- - (21.251) 7.314 - - (13.937) Other comprehensive income (loss) –
net of tax
Pelaksanaan waran seri III 22 25.000 - - - - - 25.000 Exercise of series III warrants
Penawaran umum terbatas VI 22 27.358 - - - - - 27.358 Limited public offering VI
Uang muka setoran modal 23 - 82.000 - - - - 82.000 Deposits for future stock subscription
Saldo per 31 Desember 2018 2.178.505 82.722 (18.833) 7.510 17.940 (837.854) 1.429.990 Balance as of December 31, 2018
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan
dari Laporan Keuangan secara keseluruhan
See accompanying Notes to Financial Statements which are an integral part of the Financial
Statements taken as a whole,
- 6 -
PT BANK MNC INTERNASIONAL Tbk PT BANK MNC INTERNASIONAL Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
Untuk Tahun-Tahun yang Berakhir Tanggal For the Years Ended
31 Desember 2018 December 31, 2018
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/
Notes 2018 2017
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM OPERATING
OPERASI ACTIVITIES
Bunga, provisi dan komisi kredit yang diterima 950.231 1.043.099 Interest, loan commissions and fees received
Bunga dan premi penjamin yang dibayar (577.961) (677.207) Interest and guarantee premium paid
Penerimaan pendapatan operasional lainnya 245.261 92.290 Other operating revenues received
Pembayaran gaji dan tunjangan karyawan (254.662) (231.499) Salaries and employee benefits paid
Pembayaran beban operasional lainnya (270.362) (284.446) Other operating expenses paid
Penerimaan pendapatan non operasional 1.275 524 Non-operating revenues received
Pembayaran beban non operasional (2.514) (5.320) Non-operating expenses paid
Arus kas operasi sebelum perubahan dalam
aset dan liabilitas operasi
91.268 (62.559) Operating cash flows before changes in
operating assets and liabilities
Penurunan (kenaikan) aset operasi Decrease (increase) in operating assets
Penempatan pada Bank Indonesia
dan bank lain
501.638 (390.613) Placements with Bank Indonesia and other
Banks
Efek-efek 48.350 (96.598) Securities
Kredit (523.860) 331.791 Loans
Tagihan derivatif (1.062) 4.822 Derivative receivables
Tagihan akseptasi (34.897) 87.754 Acceptances receivable
Aset lain-lain (118.008) (72.742) Other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilities
Liabilitas segera (1.648) 7.567 Liabilities payable immediately
Simpanan (557.753) (1.311.698) Deposits
Simpanan dari bank lain 542.835 (310.059) Deposits from other banks
Liabilitas derivatif (95) (3.481) Derivative payables
Liabilitas akseptasi 34.897 (87.754) Acceptances payable
Efek yang dijual dengan janji dibeli
kembali
- (89.941) Securities sold with agreements to
repurchase
Liabilitas lain-lain 1.154 817 Other liabilities
Kas Bersih Digunakan untuk
Aktivitas Operasi
(17.181) (1.992.694) Net Cash Used in Operating Activities
ARUS KAS DARI AKTIVITAS
INVESTASI
CASH FLOWS FROM INVESTING
ACTIVITIES
Hasil penjualan aset tidak lancar yang
dimiliki untuk dijual
- 18.413 Proceeds from sale of non-current assets held
for sale
Hasil penjualan aset tetap 14 967 331 Proceeds from sale of premises and equipment
Perolehan aset tetap 14 (8.857) (16.188) Acquisitions of premises and equipment
Perolehan aset tak berwujud 15 (10.128) (11.399) Acquisitions of intangible assets
Perolehan efek tersedia untuk dijual (491.500) (963.112) Purchase of available-for-sale securities
Penjualan efek tersedia untuk dijual 592.647 1.348.693 Proceeds from available-for-sale securities
Kas Bersih Diperoleh dari Aktivitas
Investasi
83.129 376.738 Net Cash Provided by Investing Activities
Lihat Catatan atas Laporan Keuangan terlampir yang merupakan bagian yang tidak terpisahkan
dari Laporan Keuangan secara keseluruhan
See accompanying Notes to Financial Statements which are an integral part of the Financial
Statements taken as a whole,
- 7 -
PT BANK MNC INTERNASIONAL Tbk PT BANK MNC INTERNASIONAL Tbk
LAPORAN ARUS KAS (lanjutan) STATEMENT OF CASH FLOWS (continued)
Untuk Tahun yang Berakhir Tanggal 31 Desember 2018 For the Year Ended December 31, 2018
(Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) (Expressed in million Rupiah, unless otherwise specified)
Catatan/
Notes 2018 2017
ARUS KAS DARI AKTIVITAS
PENDANAAN
CASH FLOWS FROM FINANCING
ACTIVITIES
Penambahan modal saham 134.358 68.002 Issuance of capital stock
Kas Bersih Diperoleh dari
Aktivitas Pendanaan
134.358 68.002 Net Cash Provided by Financing Activities
KENAIKAN (PENURUNAN) BERSIH
KAS DAN SETARA KAS
200.306 (1.547.954) NET INCREASE (DECREASE) IN CASH
AND CASH EQUIVALENTS
KAS DAN SETARA KAS AWAL
TAHUN
1.499.507 3.037.683 CASH AND CASH EQUIVALENTS AT
BEGINNING OF YEAR
Pengaruh perubahan kurs valuta asing (4.239) 9.778 Effect of foreign exchange rate changes
KAS DAN SETARA KAS AKHIR
TAHUN
1.695.574 1.499.507 CASH AND CASH EQUIVALENTS AT
END OF YEAR
PENGUNGKAPAN TAMBAHAN SUPPLEMENTAL DISCLOSURES
Kas dan setara kas terdiri dari: Cash and cash equivalents consist of:
Kas 173.207 121.769 Cash
Giro pada Bank Indonesia 408.893 603.840 Demand deposits with Bank Indonesia
Giro pada bank lain 257.890 192.564 Demand deposits with other banks
Penempatan pada Bank Indonesia dan
bank lain 855.584 581.334 Placements with Bank Indonesia and
other banks
Jumlah 1.695.574 1.499.507 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 8 -
1. UMUM 1. GENERAL
a. Pendirian dan Informasi Umum a. Establishment and General Information
PT Bank MNC Internasional Tbk (selanjutnya disebut "Bank") didirikan di Indonesia dengan nama PT Bank Bumiputera Indonesia berdasarkan akta No 49 tanggal 31 Juli 1989 dari notaris Sri Rahayu, SH. Akta pendirian ini disahkan oleh Menteri Kehakiman dalam Surat Keputusan No. C-2.7223.HT.01.01.TH.89 tanggal 9 Agustus 1989 serta diumumkan dalam tambahan No. 1917 dari Berita Negara Republik Indonesia No. 75 tanggal 19 September 1989. Nama Bank telah mengalami beberapa kali perubahan, yang terakhir menjadi PT Bank MNC Internasional Tbk, berdasarkan akta No. 57 tanggal 16 Juli 2014 yang dibuat dihadapan Notaris Aryanti Artisari, S.H.,M.Kn dan telah disetujui oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat Keputusan No. AHU-06038.40.20.2014 tanggal 24 Juli 2014. Anggaran Dasar Bank telah mengalami beberapa kali perubahan, yang terakhir dengan akta No.34 yang dibuat dihadapan Notaris Aulia Taufani S.H dan telah diterima dan dicatat oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat No. AHU-AH.01.03-0236298 tanggal 28 Agustus 2018, dan perubahan susunan pengurus terakhir sebagaimana dimuat dalam akta No.64 tanggal 21 Desember 2018 yang dibuat dihadapan Notaris Aulia Taufani S.H notaris di Jakarta, mengenai pernyataan Keputusan Rapat PT Bank MNC Internasional Tbk. Akta perubahan ini telah diterima dan dicatat oleh Menteri Hukum dan Hak Asasi Manusia Republik Indonesia dengan Surat No. AHU-AH.01.03-0001891 tanggal 03 Januari 2019.
PT Bank MNC Internasional Tbk (the “Bank”) was established in Indonesia under the name PT Bank Bumiputera Indonesia based on notarial Deed No. 49 dated July 31, 1989 of notary Sri Rahayu, SH. The Deed of Establishment was approved by the Minister of Justice in his Decision Letter No. C-2.7223.HT.01.01.TH.89 dated August 9, 1989 and was published in Supplement No. 1917 of the State Gazette of the Republic of Indonesia No. 75 dated September 19, 1989. The Bank’s name has been changed several times, most recently to PT Bank MNC Internasional Tbk, based on the Deed of Minutes of the General Shareholders’ Meeting No. 57 dated July 16, 2014. This amendment was approved by the Minister of Law and Human Rights of the Republic of Indonesia in his Decision Letter No. AHU-06038.40.20.2014 dated July 24, 2014. The Bank’s Articles of Association has been amended several times most recently by Deed No. 34 of Aulia Taufani, S.H., and and has been received and recorded by Minister of Law and Human Rights of the Republic of Indonesia in his Decision Letter No. AHU-AH.01.03-0236298 dated August 28, 2018, and changes in the composition of the latest management as contained in deed No.64 dated December 21, 2018 of Aulia Taufani S.H notary in Jakarta, regarding the Decision of the Meeting of PT Bank MNC Internasional Tbk. This amendment has been received and recorded by the Minister of Law and Human Rights of the Republic of Indonesia with Letter No. AHU-AH.01.03-0001891 dated January 3, 2019.
Bank berkedudukan di Jakarta dan memiliki 16 kantor cabang, 28 kantor cabang pembantu, 14 kantor kas dan 83 ATM per tanggal 31 Desember 2018. Kantor pusat Bank beralamat di Gedung MNC Financial Center Lantai 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 12930, Indonesia. Jumlah karyawan Bank masing-masing 948 dan 1.102 karyawan pada tanggal 31 Desember 2018 dan 31 Desember 2017 (tidak diaudit).
The Bank is domiciled in Jakarta and has 16 main branch offices, 28 supporting branch office, 14 cash office and 83 ATMs as of December 31, 2018. The Bank’s head office is located at Gedung MNC Financial Center levels 6, 7 & 8, Jl. Kebon Sirih Raya No. 27, Jakarta 10340, Indonesia. The Bank had average total number of employees in 2018 and 2017 of 948 and 1,102, respectively (unaudited).
Sesuai dengan pasal 3 anggaran dasar Bank, ruang lingkup kegiatan Bank adalah menjalankan usaha di bidang perbankan sesuai dengan undang-undang dan peraturan perundang-undangan yang berlaku.
In accordance with article 3 of the Bank’s Articles of Association, the scope of its activities is to engage in the banking industry in accordance with the prevailing laws and regulations.
Bank mulai beroperasi secara komersial pada tanggal 12 Januari 1990, sesuai dengan izin usaha yang diberikan oleh Menteri Keuangan Republik Indonesia dalam Surat Keputusan No. 10/KMK.013/1990 tanggal 4 Januari 1990. Sesuai dengan Surat Keputusan Bank Indonesia No. 30/146/KEP/DIR tanggal 5 Desember 1997, Bank telah mendapat persetujuan menjadi bank devisa.
The Bank started its commercial operations on January 12, 1990 when it obtained its business license based on the Decision Letter No. 10/KMK.013/1990 dated January 4, 1990 from the Minister of Finance of the Republic of Indonesia. In accordance with Bank Indonesia’s Decision Letter No. 30/146/KEP/DIR dated December 5, 1997, the Bank is authorized to be a foreign exchange bank.
Bank tergabung dalam kelompok usaha MNC Group dengan entitas induk terakhir adalah PT MNC Investama Tbk.
The Bank is part of MNC Group whose ultimate parent is PT MNC Investama Tbk.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 9 -
1. UMUM (lanjutan) 1. GENERAL (continued)
a. Pendirian dan Informasi Umum (lanjutan) a. Establishment and General Information (continued)
Susunan pengurus dan Komite Audit Bank pada tanggal 31 Desember 2018 dan 2017 adalah sebagai berikut:
As of December 31, 2018 and 2017, the Bank’s management and Audit Committee consist of the following:
2018 2017
Dewan komisaris Board Of Commissioners Presiden komisaris (Independen) Ponky N. Pudijanto Eko B. Supriyanto President Commissioner (Independent) Komisaris Peter Fajar Purnadi Harjono Commissioner Komisaris Independen Jeny Gono Rusli Witjahjono Independent Commissioner
Direksi Board Of Directors Presiden Direktur - Benny Purnomo President Director Direktur Rita Montagna Nerfita Primasari Director Direktur Mahdan Chisca Mirawati Director Direktur Hermawan*) Widiatama Bunarto Director
Komite Audit Audit Committee Ketua Ponky N. Pudijanto Rusli Withjahjono Chairman Anggota Jeny Gono Eko B. Supriyanto Members Tri Restu Ramadhan Tri Restu Ramadhan H. Eddy Yantho
Sofwan H. Eddy Yantho
Sofwan
Komite Pemantau Risiko Risk Monitoring Committee Ketua Jeny Gono Eko B. Supriyanto Chairman Anggota Ponky N. Pudijanto Purnadi Harjono Members Peter Fajar Rusli Witjahjono Arifin S. Haris Arifin S. Haris Muhammad
Suharsono Muhammad Suharsono
Komite Remunerasi dan Nominasi
Remuneration and Nomination Committee
Ketua Ponky N. Pudijanto Eko B. Supriyanto Chairman Anggota Peter Fajar Purnadi Harjono Members Aris Palembangan Budi Satrio
Kepala Audit Internal Riva Yan Abdillah Riva Yan Abdillah Internal Audit Head Sekretaris Perusahaan Andri Latif Andri Latif Corporate Secretary
*) Hermawan diangkat sebagai Direktur PT Bank MNC Internasional Tbk berdasarkan RUPSLB tanggal 20 September 2018 dan per 14 Februari 2019 efektif menjabat setelah dinyatakan lulus uji kelayakan dan kepatutan OJK melalui surat No. SR-47/PB.12/2019 tanggal 19 Februari 2019.
*) Hermawan was appointed as Director of PT Bank MNC Internasional Tbk based on the
EGMS on September 20, 2018 and effective February 14, 2019 after being declared to have
passed the OJK fit and proper test by letter No. SR-47 / PB.12 / 2019 dated 19 February 2019.
Pembentukan Komite Audit telah sesuai dengan POJK No. 55/POJK.04/2015 tanggal 23 Desember 2015 tentang “Pembentukan dan Pedoman Pelaksanaan Kerja Komite Audit”.
The establishment of the Audit Committee was based on POJK No. 55/POJK.04/2015 dated December 23, 2015 “The Establishment and the Implementation Guidelines of Audit Committee”.
b. Penawaran Umum Efek Bank b. Public Offering of Shares and Bonds of the Bank
Penawaran Umum Perdana Saham Initial Public Offering of Shares
Pada tanggal 27 Juni 2002, Bank memperoleh pernyataan efektif dari Ketua BAPEPAM dengan surat No. S-1402/PM/2002 untuk melakukan penawaran umum saham atas 500.000.000 (nilai penuh) saham Bank kepada masyarakat. Nilai nominal per saham adalah sebesar Rp 100 (nilai penuh) dan harga penawaran adalah sebesar Rp 120 (nilai penuh) per saham. Pada tanggal 15 Juli 2002, saham Bank telah dicatatkan pada Bursa Efek Indonesia.
On June 27, 2002, the Bank obtained the notice of effectivity from the Chairman of BAPEPAM in his letter No. S-1402/PM/2002 for the Bank’s public offering of 500,000,000 (full amount) shares. The par value was Rp 100 (full amount) per share and offering price was Rp 120 (full amount) per share. On July 15, 2002, the Bank’s shares were listed in the Indonesia Stock Exchange.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 10 -
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Efek Bank (lanjutan) b. Public Offering of Shares and Bonds of the Bank (continued)
Penawaran Umum Saham Terbatas I Limited Public Offering of Shares I
Pada tanggal 23 November 2005, Bank memperoleh pernyataan efektif dari Ketua BAPEPAM dengan surat No. S-3278/PM/2005 untuk melakukan Penawaran Umum Terbatas I atas 3.000.000.000 (nilai penuh) saham Bank dengan harga penawaran sama dengan nilai nominal sebesar Rp 100 (nilai penuh) per saham, disertai dengan penerbitan 666.666.654 (nilai penuh) Waran Seri I yang memberikan hak pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 120 (nilai penuh) per saham. Pembelian dilakukan selama masa pelaksanaan yaitu mulai tanggal 30 Juni 2006 sampai dengan 29 Desember 2010. Saham-saham tersebut telah dicatatkan pada Bursa Efek Indonesia pada tanggal 2 Januari 2006.
On November 23, 2005, the Bank obtained the notice of effectivity from the Chairman of BAPEPAM in his letter No. S-3278/PM/2005 for the Bank’s limited Public Offering of shares I of 3,000,000,000 (full amount) shares at an offering price that is equal to the par value of Rp 100 (full amount) per share, together with 666,666,654 (full amount) Series I Warrants that entitles the holder to buy new shares at an exercise price of Rp 120 (full amount) per share. The holders can exercise the right to purchase the share from June 30, 2006 until December 29, 2010. These shares were listed in the Indonesia Stock Exchange on January 2, 2006.
Penawaran Umum Saham Terbatas II Limited Public Offering of Shares II
Pada tanggal 22 Juni 2010, Bank memperoleh penyertaan efektif dari Ketua BAPEPAM-LK melalui surat No. S-5539/BL/2010 untuk melakukan Penawaran Umum Terbatas II (“PUT II”) kepada para pemegang saham perseroan dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) dengan penerbitan obligasi wajib konversi yang diberi nama obligasi wajib konversi Bank ICB Bumiputera tahun 2010 (“OWK”) dengan jumlah pokok sebesar Rp 150.000.000.000 (nilai penuh).
On June 22, 2010, the Bank obtained a notice of effectivity from the Chairman of BAPEPAM-LK in his letter No. S-5539/BL/2010 for the Bank’s Limited Public Offering II (“PUT II”) to its shareholders in relation to Rights Issue (“HMETD”) with mandatory convertible bonds, namely Mandatory Convertible Bonds of Bank ICB Bumiputera 2010 (“OWK”), with a principal amount of Rp 150,000,000,000 (full amount).
Setiap pemegang 10 (sepuluh) saham Bank yang namanya tercatat dalam Daftar Pemegang Saham Bank pada tanggal 2 Juli 2010 pukul 16.00 WIB berhak atas 3 (tiga) HMETD dimana setiap 1 (satu) HMETD berhak untuk membeli 1 (satu) satuan OWK, dengan harga penawaran sebesar Rp 100 (nilai penuh) setiap 1 (satu) satuan OWK yang harus dibayar penuh pada saat mengajukan pemesanan OWK.
For every 10 (ten) Bank shares held by the shareholder whose name is recorded in the Bank Shareholder’s List as of July 2, 2010 at 4:00 pm, is entitled to 3 (three) HMETD, where each 1 (one) HMETD has a right to purchase 1 (one) unit of OWK, with an offering price of Rp 100 (full amount) for each OWK which should be fully paid at the time of OWK subscription.
Penawaran Umum Saham Terbatas III Limited Public Offering of Shares III
Pada tanggal 20 Juni 2014, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-291/D.04/2014 untuk melakukan Penawaran Umum Terbatas III (“PUT III”) dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) sebanyak 8.046.248.527 (nilai penuh) lembar saham dengan harga penawaran Rp 100 (nilai penuh) per saham yang disertai dengan penerbitan Waran Seri II sebanyak 1.828.692.847 (nilai penuh) waran, dimana setiap 22 (dua puluh dua) saham hasil pelaksanaan HMETD tersebut melekat 5 (lima) Waran Seri II yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 150 (nilai penuh) per saham. Pelaksanaan Waran Seri II dapat dilaksanakan mulai tanggal 4 Februari 2015 sampai dengan tanggal 3 Juli 2017 dimana setiap pemegang 1 (satu) waran berhak untuk membeli 1 (satu) saham Bank. Sampai dengan akhir periode pelaksanaan, jumlah waran yang kadaluarsa sebanyak 1.828.683.290 (nilai penuh) waran.
On June 20, 2014, the Bank obtained the notice of effectivity from the Chairman of Financial Service Authority (OJK) in his Letter No. S-291/D.04/2014 for the Bank’s Limited Public Offering of Shares III in relation to Rights Issue (“HMETD”) of 8,046,248,527 (full amount) shares with an offering price of Rp 100 (full amount) per share, together with 1,828,692,847 (full amount) Series II warrants, where 5 (five) Series II warrants are embedded in every 22 (twenty two) stocks from HMETD which gives the shareholders the right to purchase new shares at an exercise price of Rp 150 (full amount) per share. The holders can exercise the right to purchase the share from February 4, 2015 until July 3, 2017 wherein the holders of 1 (one) warrant are entitled to purchase 1 (one) share of the Bank. At the end of the exercise period, a total of 1,828,683,290 (full amount) warrants were not exercised.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 11 -
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Efek Bank (lanjutan) b. Public Offering of Shares and Bonds of the Bank (continued)
Penawaran Umum Saham Terbatas IV Limited Public Offering of Shares IV
Pada tanggal 25 September 2015, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No.S-437/D.04/2015 untuk melakukan Penawaran Umum Terbatas IV (“PUT IV”) dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) sebanyak 6.744.407.924 (nilai penuh) lembar saham dengan harga penawaran Rp 100 (nilai penuh) per saham. Hasil pelaksanaan PUT IV yang diterima Bank sebanyak 4.097.235.004 (nilai penuh) lembar saham dan sisanya dikembalikan ke portepel.
On September 25, 2015, the Bank obtained the notice of effectivity from the Chairman of Financial Service Authority (OJK) in his Letter No. S-437/D.04/2015 for the Bank’s Limited Public Offering of Shares IV in relation to Rights Issue (“HMETD”) of 6,744,407,924 (full amount) shares with an offering price of Rp 100 per share. The exercise of Limited Public Offering of Shares IV that the Bank received is 4,097,235,004 (full amount) shares and the rest of the offering shares were returned to the portfolio.
Penawaran Umum Saham Terbatas V Limited Public Offering of Shares V
Pada tanggal 23 September 2016, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-531/D.04/2016 untuk melakukan Penawaran Umum Terbatas V (“PUT V”) dalam rangka penerbitan hak memesan efek terlebih dahulu (“HMETD”) sebanyak 4.782.390.768 (nilai penuh) lembar saham dengan harga penawaran Rp 100 (nilai penuh) per saham yang disertai dengan penerbitan Waran Seri III sebanyak 4.782.390.768 (nilai penuh) waran dimana setiap 1 (satu) saham hasil pelaksanaan HMETD tersebut melekat 1 (satu) Waran Seri III yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 100 (nilai penuh) per saham. Pelaksanaan Waran Seri III dapat dilaksanakan mulai tanggal 7 April 2017 sampai dengan tanggal 4 Oktober 2019 dimana setiap pemegang 1 (satu) waran berhak untuk membeli 1 (satu) saham Bank. Hasil pelaksanaan PUT V yang diterima Bank sebanyak 1.451.901.709 (nilai penuh) lembar saham dan sisanya dikembalikan ke portepel. Pada tanggal 31 Desember 2018, jumlah Waran Seri III yang belum dilaksanakan adalah 521.901.700 (nilai penuh).
On September 23, 2016 the Bank obtained the notice of effectivity from the Chairman of Financial Service Authority (OJK) in his Letter No. S-531/D.04/2016 for the Bank’s Limited Public Offering of Shares V in relation to Rights Issue (“HMETD”) of 4,782,390,768 (full amount) shares with an offering price of Rp 100 per share, together with 4,782,390,768 (full amount) Series III warrants, where 1 (one) Series III warrants is embedded in every 1 (one) stock from HMETD which gives the right to shareholders to purchase new shares at an exercise price of Rp 100 (full amount) per share. The holders can exercise the right to purchase the share from April 7, 2017 until October 4, 2019 wherein the holders of 1 (one) warrant are entitled to purchase 1 (one) share of the Bank. The exercise of Limited Public Offering of Shares V that the Bank received is 1,451,901,709 (full amount) shares and the rest of the offering shares were returned to the portfolio. As of December 31, 2018, a total of 521,901,700 (full amount) Series III warrants have not been exercised.
Penawaran Umum Saham Terbatas VI Limited Public Offering of Shares VI
Pada tanggal 28 Mei 2018, Bank memperoleh surat pernyataan efektif dari Dewan Komisioner Otoritas Jasa Keuangan No. S-58/D.04/2018 untuk melakukan Penawaran Umum Terbatas VI dalam rangka penerbitan hak memesan efek terlebih dahulu (HMETD). Jumlah saham yang diterbitkan sebanyak – banyaknya 4.780.327.410 (nilai penuh) lembar saham dengan harga penawaran Rp 100 (nilai penuh) per saham yang disertai dengan penerbitan Waran Seri IV sebanyak banyaknya 4.780.327.410 (nilai penuh) saham, dimana setiap 1 (satu) saham hasil pelaksanaan HMETD tersebut melekat 1 Waran Seri IV yang memberikan hak kepada pemegang saham untuk membeli saham baru dengan harga pelaksanaan Rp 100 (nilai penuh) per saham.
On May 28, 2018, The Bank obtained the notice of
effectivity from the Chairman of Financial Servicce
Authority (OJK) ih his letter No. S-58/D.04/2018
for the Bank’s Limited Public Offering of Shares VI
in relation to Rights Issue (“HMETD”). Number of
shares issued of 4,780,327,410 (full amount)
shares with an offering price of Rp 100 (full
amount) per share, together with 4,780,327,410
(full amount) Series IV warrants, where 1 (one)
Series IV warrants is embedded in every 1 (one)
stock from HMETD which gives the right to
shareholders to purchase new shares at an exercise
price of Rp 100 (full amount) per share.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 12 -
1. UMUM (lanjutan) 1. GENERAL (continued)
b. Penawaran Umum Efek Bank (lanjutan) b. Public Offering of Shares and Bonds of the Bank
(continued)
Penawaran Umum Saham Terbatas VI (lanjutan) Limited Public Offering of Shares VI (continued)
Pelaksanaan Waran Seri IV dapat dilaksanakan mulai tanggal 21 Desember 2018 sampai dengan tanggal 20 Juni 2023 dimana setiap pemegang 1 (satu) waran berhak untuk membeli 1 (satu) saham Bank. Pada tanggal 31 Desember 2018 Hasil Pelaksanaan PUT VI yang diterima Bank sebanyak 273.580.271 (nilai penuh) dan sisanya dikembalikan ke portepel. Pada tanggal 31 Desember 2018, jumlah Waran Seri IV yang belum dilaksanakan adalah 273.580.271 (nilai penuh).
The holders can exercise the right to purchase the
share from December 21, 2018 until June 20, 2023
wherein the holders of 1 (one) warrant are entitled
to purchase 1 (one) share of the Bank. On
December 31, 2018 The exercise of Limited Public
Offering of Shares VI that the Bank received is
273,580,271 (full amount) shares and the rest of
the offering shares were returned to the portfolio.
As of December 31, 2018, a total of 273,580,271
(full amount) Series IV warrants have not been
exercised.
Pada tanggal 31 Desember 2018, sejumlah 21.567.203.082 (nilai penuh) saham Bank telah dicatatkan pada Bursa Efek Indonesia dan sejumlah 217.850.536 (nilai penuh) lembar saham yang merupakan saham perseroan tidak dicatatkan di Bursa sebesar 1% sebagai pemenuhan ketentuan Peraturan Pemerintah no. 29 tahun 1999 tentang pembelian saham Bank Umum.
On December 31, 2018, a number of 21,567,203,082 (full amount) shares of Bank has been listed on the Indonesian Stock Exchange and a number of 217,850,536 (full amount) shares which are the company's shares not listed on the Exchange amounting 1% as meeting the needs of Government Regulation no. 29 of 1999 concerning the purchase of shares of Commercial Banks
2. PENERAPAN STANDAR AKUNTANSI
KEUANGAN BARU DAN REVISI (PSAK) DAN INTERPRETASI STANDAR AKUNTANSI KEUANGAN (ISAK)
2. ADOPTION OF NEW AND REVISED STATEMENTS OF FINANCIAL ACCOUNTING STANDARDS (“PSAK”) AND INTERPRETATIONS OF PSAK (“ISAK”)
a. Amendemen/penyesuaian dan interpretasi standar yang berlaku efektif pada tahun berjalan
a. Amendments/improvements and interpretations to standards effective in the current year
Dalam tahun berjalan, Bank telah menerapkan sejumlah amandemen dan interpretasi PSAK yang relevan dengan operasinya dan efektif untuk periode akuntansi yang dimulai pada atau setelah 1 Januari 2018.
In the current year, the Bank has applied a number of amendments and interpretations to PSAK that are relevant to its operations and effective for accounting period beginning on or after January 1, 2018.
PSAK 2 (amandemen), Laporan Arus Kas
tentang Prakarsa Pengungkapan
PSAK 2 (amendment), Statement of Cash
Flows about Disclosure Initiative
Amandemen ini mensyaratkan entitas untuk
menyediakan pengungkapan yang
memungkinkan pengguna laporan keuangan
untuk mengevaluasi perubahan pada liabilitas
yang timbul dari aktivitas pendanaan, termasuk
perubahan yang timbul dari arus kas maupun
perubahan nonkas. Amandemen tersebut tidak
menentukan format spesifik untuk
mengungkapkan aktivitas pendanaan namun,
suatu entitas dapat memenuhi tujuan
pengungkapan dengan menyediakan rekonsiliasi
antara saldo awal dan akhir liabilitas yang
timbul dari aktivitas pendanaan dalam laporan
posisi keuangan.
The amendments require an entity to provide
disclosures that enable users of financial
statements to evaluate changes in liabilities
arising from financing activities, including
both changes arising from cash flows and
non-cash changes. The amendments do not
prescribe a specific format to disclose
financing activities however, an entity may
fulfill the disclosure objective by providing a
reconciliation between the opening and
closing balances in the statement of financial
position for liabilities arising from financing
activities.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 13 -
2. PENERAPAN STANDAR AKUNTANSI KEUANGAN BARU DAN REVISI (PSAK) DAN INTERPRETASI STANDAR AKUNTANSI KEUANGAN (ISAK) (lanjutan)
2. ADOPTION OF NEW AND REVISED STATEMENTS OF FINANCIAL ACCOUNTING STANDARDS (“PSAK”) AND INTERPRETATIONS OF PSAK (“ISAK”) (continued)
a. Amendemen/penyesuaian dan interpretasi standar yang berlaku efektif pada tahun berjalan (lanjutan)
a. Amendments/improvements and interpretations to standards effective in the current year (continued)
PSAK 46 (amandemen), Pajak Penghasilan
tentang Pengakuan Aset Pajak Tangguhan untuk
Rugi yang Belum Direalisasi.
PSAK 46 (amendment), Income Tax:
Recognition on Deferred Tax Assets for
Unrealized Losses.
Amandemen tersebut mengklarifikasi hal
berikut:
The amendments clarify the following:
1. Bila nilai tercatat dari instrumen utang
dengan tingkat suku bunga tetap diukur
pada nilai wajar yang lebih rendah dari
biaya perolehan dimana dasar pengenaan
pajaknya sebesar biaya perolehan sehingga
timbul perbedaan temporer yang dapat
dikurangkan tanpa mempertimbangkan
apakah pemegang instrumen utang tersebut
memperkirakan untuk memulihkan jumlah
tercatat instrumen utang melalui penjualan
atau penggunaan, atau apakah besar
kemungkinan penerbit akan membayar
semua arus kas kontraktual;
1. When the carrying amount of fixed -rate
debt instrument measured at fair value is
less than cost for which the tax base
remains at cost give rise to a deductible
temporary difference, irrespective of
whether the debt instrument’s holder
expects to recover the carrying amount of
the debt instrument by sale or by use, or
whether it is probable that the issuer will
pay all the contractual cash flows;
2. Ketika suatu entitas menilai apakah laba kena pajak akan tersedia sehingga perbedaan temporer yang dapat dikurangkan dapat dimanfaatkan, dan peraturan perpajakan membatasi penggunaan kerugian untuk pengurangan terhadap jenis penghasilan tertentu (misalnya, kerugian modal hanya dapat dilakukan terhadap keuntungan modal), entitas menilai perbedaan temporer yang dapat dikurangkan secara gabungan dengan perbedaan temporer yang dapat dikurangkan dari jenis penghasilan tersebut, tetapi terpisah dari jenis perbedaan temporer yang dapat dikurangkan lainnya;
2. When an entity assesses whether taxable profits will be available against which it can utilize a deductible temporary difference, and the tax law restricts the utilization of losses to deduction against income of a specific type (e.g. capital losses can only be set off against capital gains), an entity assesses a deductible temporary difference in combination with other deductible temporary differences of that type, but separately from other types of deductible temporary differences;
3. Estimasi kemungkinan besar laba kena pajak di masa depan dapat mencakup pemulihan beberapa aset entitas yang lebih dari jumlah tercatatnya jika ada cukup bukti bahwa kemungkinan besar entitas tersebut akan memenuhinya, dan
3. The estimate of probable future taxable profit may include the recovery of some of an entity’s assets for more than their carrying amount if there is sufficient evidence that it is probable that the entity will achieve this, and
4. Dalam mengevaluasi apakah laba kena pajak di masa depan tersedia secara memadai, entitas harus membandingkan perbedaan temporer yang dapat dikurangkan dengan laba kena pajak di masa depan yang tidak mencakup pengurangan pajak yang dihasilkan dari pembalikan perbedaan temporer yang dapat dikurangkan tersebut.
4. In evaluating whether sufficient future taxable profits are available, an entity should compare the deductible temporary differences with future taxable profits excluding tax deductions resulting from the reversal of those deductible temporary differences.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 14 -
2. PENERAPAN STANDAR AKUNTANSI KEUANGAN BARU DAN REVISI (PSAK) DAN INTERPRETASI STANDAR AKUNTANSI KEUANGAN (ISAK) (lanjutan)
2. ADOPTION OF NEW AND REVISED STATEMENTS OF FINANCIAL ACCOUNTING STANDARDS (“PSAK”) AND INTERPRETATIONS OF PSAK (“ISAK”) (continued)
b. Standar dan amandemen standar telah diterbitkan tapi belum diterapkan
b. Standards and amendments to standards issued not yet adopted
Berikut ini ringkasan revisi dan amandemen PSAK dan ISAK yang diterbitkan oleh Dewan Standar Akuntansi Keuangan (DSAK) - IAI yang relevan untuk Bank, namun belum berlaku efektif untuk laporan keuangan pada tanggal 31 Desember 2018:
The following summarizes the revised and amended SFAS and the IFAS which were issued by the Financial Accounting Standards Board (FASB) are relevant to the Bank, but not yet effective to the Bank on financial statements as of December 31, 2018:
Efektif berlaku pada atau setelah tanggal 1 Januari 2019:
Effective on or after January 1, 2019:
a. PSAK No. 24 (Amandemen 2018), ”Imbalan
Kerja tentang Amendemen, Kurtailmen atau Penyelesaian Program”, memberikan panduan yang lebih jelas bagi entitas dalam mengakui biaya jasa lalu, keuntungan dan kerugian penyelesaian, biaya jasa kini dan bunga neto setelah adanya amendemen, kurtailmen atau penyelesaian program karena menggunakan asumsi aktuarial terbaru (sebelumnya menggunakan asumsi aktuarial pada saat awal pelaporan tahunan). Selain itu, Amendemen PSAK No.24 juga mengklarifikasi bagaimana persyaratan akuntansi untuk amendemen, kurtailmen atau penyelesaian program dapat mempengaruhi persyaratan batas atas aset yang terlibat dari pengurangan surplus yang menyebabkan dampak atas aset berubah.
a. SFAS No. 24 (2018 Amendment), "Employee Benefits of Amendments, Curtailment or Programs Settlements", provides clearer guidance for entities in recognizing past service costs, settlement gains and losses, current service costs and net interest after amendments, curtailments or program settlement because it uses the latest actuarial assumptions (previously using actuarial assumptions at the beginning of annual reporting). In addition, the Amendment to PSAK No.24 also clarifies how the accounting requirements for amendments, curtailments or programs settlement can affect the boundary requirements of the assets involved from reducing surpluses that cause the impact on assets’s change.
Efektif berlaku pada atau setelah tanggal 1 Januari 2020:
Effective on or after January 1, 2020:
a. PSAK No. 71, “Instrumen Keuangan”,
mengatur klasifikasi dan pengukuran instrumen keuangan berdasarkan karakteristik dari arus kas kontraktual dan model bisnis entitas; metode kerugian kredit ekspektasian untuk penurunan nilai yang menghasilkan informasi yang lebih tepat waktu, relevan dan dimengerti oleh pemakai laporan keuangan; akuntansi untuk lindung nilai yang merefleksikan manajemen risiko entitas lebih baik dengan memperkenalkan persyaratan yang lebih umum berdasarkan pertimbangan manajemen. PSAK ini juga mengatur bahwa aset keuangan dengan fitur pelunasan dipercepat yang dapat menghasilkan kompensasi negatif memenuhi kualifikasi sebagai arus kas kontraktual yang berasal dari pembayaran pokok dan bunga dari jumlah terutang.
a. SFAS No. 71, “Financial Instruments”, provides for classification and measurement of financial instrument based on the characteristics of contractual cash flows and business model of the entity; expected credit loss impairment model that resulting information more timely, relevant and understandable to users of financial statements; accounting for hedging that reflect the entity’s risk management better by introduce a more general requirements based on management’s judgment. This SFAS also provides that a financial asset with prepayment features that may result in negative compensation qualifies as a contractual cash flow derived solely from the principal and interest of the principal amount owed.
b. PSAK No. 72, ”Pendapatan dari kontrak
dengan pelanggan”, yang diadopsi dari IFRS 15 yang mengatur model pengakuan pendapatan dari kontrak dengan pelanggan, sehingga entitas diharapkan dapat melakukan analisis sebelum mengakui pendapatan.
b. SFAS No. 72, "Revenues from contracts with customers", adopted from IFRS 15 governing the model of revenue recognition from contracts with customers, so that the entity is expected to conduct an analysis before acknowledging revenue.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 15 -
2. PENERAPAN STANDAR AKUNTANSI KEUANGAN BARU DAN REVISI (PSAK) DAN INTERPRETASI STANDAR AKUNTANSI KEUANGAN (ISAK) (lanjutan)
2. ADOPTION OF NEW AND REVISED STATEMENTS OF FINANCIAL ACCOUNTING STANDARDS (“PSAK”) AND INTERPRETATIONS OF PSAK (“ISAK”) (continued)
b. Standar dan amandemen standar telah diterbitkan tapi belum diterapkan (lanjutan)
b. Standards and amendments to standards issued not yet adopted (continued)
Efektif berlaku pada atau setelah tanggal 1 Januari 2020: (lanjutan)
Effective on or after January 1, 2020: (continued)
c. PSAK No. 73, “Sewa”, menetapkan prinsip
pengakuan, pengukuran, penyajian dan pengungkapan atas sewa dengan memperkenalkan model akuntansi tunggal dengan mensyaratkan untuk mengakui aset hak-guna (right-of-use assets) dan liabilitas sewa. Terdapat 2 pengecualian opsional dalam pengakuan aset dan liabilitas sewa, yakni untuk: (1) sewa jangka pendek dan (2) sewa yang aset pendasarnya (underlying assets) bernilai rendah.
c. SFAS No. 73, “Lease”, establishes the principles of recognition, measurement, presentation and disclosure of leases by introducing a single accounting model with requiring to recognize right-of-use assets and lease liabilities. There are two optional exclusions in the recognition of the lease assets and liabilities, namely: (1) short term lease and (2) lease with low value underlying assets.
Saat ini, Bank sedang mengevaluasi dan belum menetapkan dampak dari PSAK yang dikeluarkan dan direvisi tersebut terhadap laporan keuangannya.
The Bank is presently evaluating and has not yet determined the effects of these issued and revised SFAS on its financial statements.
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
a. Pernyataan Kepatuhan a. Statement of Compliance
Laporan keuangan Bank disusun dan disajikan sesuai dengan Standar Akuntansi Keuangan di Indonesia yang terdiri dari PSAK yang dikeluarkan oleh DSAK dari Ikatan Akuntansi Indonesia serta Peraturan Otoritas Jasa Keuangan terkait penyajian laporan keuangan.
The financial statements of the Bank have been prepared and presented in accordance with Indonesian Financial Accounting Standards which consist of PSAK issued by DSAK of the Indonesian Institute of Accountants and the Financial Services Authority regulations related to presentations of financial statements.
b. Dasar Penyusunan b. Basis of Preparation
Dasar penyusunan laporan keuangan adalah biaya
historis, kecuali instrumen keuangan tertentu yang
diukur pada nilai wajar pada setiap akhir periode
pelaporan, yang dijelaskan dalam kebijakan
akuntansi di bawah ini.
The financial statements have been prepared on
the historical cost basis except for certain
financial instruments that are measured at fair
values at the end of each reporting period, as
explained in the accounting policies below.
Biaya historis umumnya didasarkan pada nilai
wajar dari imbalan yang diberikan dalam
pertukaran barang dan jasa.
Historical cost is generally based on the fair
value of the consideration given in exchange for
goods and services.
Nilai wajar adalah harga yang akan diterima untuk
menjual suatu aset atau harga yang akan dibayar
untuk mengalihkan suatu liabilitas dalam suatu
transaksi teratur antara pelaku pasar pada tanggal
pengukuran.
Fair value is the price that would be received to
sell an asset or paid to transfer a liability in an
orderly transaction between market participants
at the measurement date.
Laporan arus kas disusun dengan menggunakan
metode langsung yang dimodifikasi dengan
mengelompokkan arus kas dalam aktivitas operasi,
investasi dan pendanaan. Kas dan setara kas terdiri
dari kas, giro pada Bank Indonesia, giro pada bank
lain, penempatan pada Bank Indonesia dan bank
lain dan Sertifikat Bank Indonesia yang jatuh
tempo dalam waktu tiga bulan atau kurang dari
tanggal perolehannya dan yang tidak dijaminkan
serta tidak dibatasi penggunaannya.
The statement of cash flows are prepared using
the modified direct method with classifications of
cash flows into operating, investing and
financing activities. Cash and cash equivalents
consist of cash on hand, demand deposits with
Bank Indonesia, demand deposits with other
banks, placements with Bank Indonesia and
other banks and Bank Indonesia Certificates
(SBI) with maturities of three months or less
from the date of placement and not pledged or
restricted.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 16 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
c. Transaksi dan Saldo Dalam Mata Uang Asing c. Foreign Currency Transactions and Balance
Laporan keuangan diukur dan disajikan dalam
mata uang dari lingkungan ekonomi utama dimana
entitas beroperasi (mata uang fungsional). Laporan
keuangan Bank disajikan dalam mata uang Rupiah
yang merupakan mata uang fungsional Bank dan
mata uang untuk penyajian laporan keuangan.
The financial statements are measured and
presented in the currency of the primary
economic environtment in which the entity
operates (its functional currency). The Bank
financial statements are presented in Indonesian
Rupiah, which is the functional currency of the
Bank and the presentation currency for the
financial statements.
Dalam penyusunan laporan keuangan Bank,
transaksi dalam mata uang asing selain mata uang
fungsional entitas (mata uang asing) diakui pada
kurs yang berlaku pada tanggal transaksi. Pada
setiap akhir periode pelaporan, pos moneter dalam
valuta asing dijabarkan kembali dengan
menggunakan kurs laporan (penutupan) yang
ditetapkan oleh Bank Indonesia, yaitu kurs spot
Reuters pada pukul 16.00 WIB untuk
mencerminkan kurs yang berlaku pada tanggal
tersebut. Pos non-moneter yang diukur dalam
biaya historis dalam valuta asing tidak dijabarkan
kembali. Selisih kurs atas pos moneter diakui
dalam laba rugi pada periode saat terjadinya.
In preparing the financial statements of the Bank,
transactions in currencies other than the entity’s
functional currency (foreign currencies) are
recognized at the rates of exchange prevailing at
the dates of the transactions. At the end of each
reporting period, monetary items denominated in
foreign currencies are retranslated using
reporting (closing) exchange rate set by Bank
Indonesia, which is Reuters’ spot rate at 4.00
P.M. Western Indonesia Time to reflect the rate
of exchange prevailing at that date. Non-
monetary items that are measured in terms of
historical cost in a foreign currency are not
retranslated. Exchange differences on monetary
items are recognized in profit or loss in the
period in which they arise.
d. Transaksi Pihak-pihak Berelasi d. Transactions with Related Parties Pihak-pihak berelasi adalah orang atau entitas yang terkait dengan Bank (entitas pelapor):
A related party is a person or entity that is related to the Bank (the reporting entity):
a. Orang atau anggota keluarga dekatnya
mempunyai relasi dengan entitas pelapor jika orang tersebut:
a. A person or a close member of that person’s family is related to the reporting entity if that person:
i. memiliki pengendalian atau pengendalian
bersama atas entitas pelapor; i. has control or joint control over the
reporting entity;
ii. memiliki pengaruh signifikan atas entitas pelapor; atau
ii. has significant influence over the reporting entity; or
iii. merupakan personil manajemen kunci
entitas pelapor atau entitas induk dari entitas pelapor.
iii. is a member of the key management personnel of the reporting entity or of a parent of the reporting entity.
b. Suatu entitas berelasi dengan entitas pelapor
jika memenuhi salah satu hal berikut: b. An entity is related to the reporting entity if
any of the following conditions applies: i. entitas dan entitas pelapor adalah anggota
dari kelompok usaha yang sama (artinya entitas induk, entitas anak, dan entitas anak berikutnya saling berelasi dengan entitas lainnya).
i. the entity, and the reporting entity are members of the same group (which means that each parent, subsidiary and fellow subsidiary is related to the others).
ii. satu entitas adalah entitas asosiasi atau
ventura bersama dari entitas lain (atau entitas asosiasi atau ventura bersama yang merupakan anggota suatu kelompok usaha, yang mana entitas lain tersebut adalah anggotanya).
ii. one entity is an associate or joint venture of the other entity (or an associate or joint venture of a member of a group of which the other entity is a member).
iii. kedua entitas tersebut adalah ventura bersama dari pihak ketiga yang sama.
iii. both entities are joint ventures of the same third party.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 17 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
d. Transaksi Pihak-pihak Berelasi (lanjutan) d. Transactions with Related Parties (continued)
Pihak-pihak berelasi adalah orang atau entitas yang terkait dengan Bank (entitas pelapor): (lanjutan)
A related party is a person or entity that is related to the Bank (the reporting entity): (continued)
iv. satu entitas adalah ventura bersama dari entitas ketiga dan entitas yang lain adalah entitas asosiasi dari entitas ketiga.
iv. one entity is a joint venture of a third entity and the other entity is an associate of the third entity.
v. Entitas tersebut adalah suatu program
imbalan pasca kerja untuk imbalan kerja dari salah satu entitas pelapor atau entitas yang terkait dengan entitas pelapor. Jika entitas pelapor adalah entitas yang menyelenggarakan program tersebut, maka entitas sponsor juga berelasi dengan entitas pelapor.
v. the entity is a post-employment benefit plan for the benefit of employees of either the reporting entity, or an entity related to the reporting entity. If the reporting entity is itself such a plan, the sponsoring employers are also related to the reporting entity.
vi. entitas yang dikendalikan atau dikendalikan bersama oleh orang yang diidentifikasi dalam huruf (a).
vi. the entity is controlled or jointly controlled by a person identified in (a).
vii. orang yang diidentifikasi dalam huruf (a)
(i) memiliki pengaruh signifikan atas entitas atau merupakan personil manajemen kunci entitas (atau entitas induk dari entitas).
vii. a person identified in (a) (i) has significant influence over the entity or is a member of the key management personnel of the entity (or a parent of the entity).
viii. Entitas, atau anggota dari kelompok yang
mana entitas merupakan bagian dari kelompok tersebut, menyediakan jasa personil manajemen kunci kepada entitas pelapor atau kepada entitas induk dari entitas pelapor.
viii. The entity, or any member of a group of which it is a part, provides key management personnel services to the reporting entity or to the parent of the reporting entity.
Transaksi signifikan yang dilakukan dengan pihak-pihak berelasi, baik dilakukan dengan kondisi dan persyaratan yang sama dengan pihak ketiga maupun tidak, diungkapkan pada laporan keuangan.
Significant transactions with related parties, whether or not made at similar terms and conditions as those done with third parties, are disclosed in the financial statements.
e. Aset Keuangan e. Financial Assets
Seluruh aset keuangan diakui dan dihentikan pengakuannya pada tanggal diperdagangkan dimana pembelian atau penjualan aset keuangan berdasarkan kontrak yang mensyaratkan penyerahan aset keuangan dalam kurun waktu yang ditetapkan oleh kebiasaan pasar yang berlaku, dan awalnya diukur sebesar nilai wajar ditambah biaya transaksi, kecuali untuk aset keuangan yang diukur pada nilai wajar melalui laba rugi, yang awalnya diukur sebesar nilai wajar.
All financial assets are recognized and derecognized on trade date where the purchase or sale of a financial asset is under a contract whose terms require delivery of the financial asset within the time frame established by the market concerned, and are initially measured at fair value plus transaction costs, except for those financial assets classified as at fair value through profit or loss, which are initially measured at fair value.
Aset keuangan Bank diklasifikasikan sebagai berikut:
The Bank’s financial assets are classified as follows:
Aset keuangan pada nilai wajar melalui laba rugi – diperdagangkan
Investasi dimiliki hingga jatuh tempo
Aset keuangan tersedia untuk dijual
Pinjaman yang diberikan dan piutang
Financial assets of fair value through profit or loss (FVTPL) - trading
Held-to-maturity investments
Available-for-sale financial assets
Loans and receivable
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 18 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
e. Aset Keuangan (lanjutan) e. Financial Assets (continued)
Metode suku bunga efektif Effective interest method
Metode suku bunga efektif adalah metode yang
digunakan untuk menghitung biaya perolehan
diamortisasi dari instrumen keuangan dan metode
untuk mengalokasikan pendapatan bunga dan
beban bunga selama periode yang relevan. Suku
bunga efektif adalah suku bunga yang secara tepat
mendiskontokan estimasi penerimaan atau
pembayaran kas masa depan (mencakup seluruh
komisi dan bentuk lain yang dibayarkan dan
diterima oleh para pihak dalam kontrak yang
merupakan bagian yang tak terpisahkan dari suku
bunga efektif, biaya transaksi dan premium dan
diskonto lainnya) selama perkiraan umur
instrumen keuangan, atau, jika lebih tepat,
digunakan periode yang lebih singkat untuk
memperoleh nilai tercatat bersih dari aset
keuangan pada saat pengakuan awal.
The effective interest method is a method of
calculating the amortized cost of a financial
instrument and of allocating interest income and
interest expense over the relevant period. The
effective interest rate is the rate that exactly
discounts estimated future cash receipts or
payments (including all fees and points paid or
received that form an integral part of the effective
interest rate, transaction costs and other
premiums or discounts) through the expected life
of the financial instrument, or where appropriate,
a shorter period to the net carrying amount on
initial recognition.
Pendapatan diakui berdasarkan suku bunga efektif
untuk instrumen keuangan selain dari instrumen
keuangan FVTPL.
Income is recognized on an effective interest
basis for financial instruments other than those
financial instruments at FVTPL.
Aset keuangan pada nilai wajar melalui laba rugi (FVTPL) – diperdagangkan
Financial assets at FVTPL – trading
Aset keuangan diklasifikasi dalam FVTPL - diperdagangkan, jika aset keuangan sebagai kelompok diperdagangkan atau pada saat pengakuan awal ditetapkan untuk diukur pada FVTPL.
Financial assets are classified as at FVTPL - trading where the financial asset is either held for trading or it is designated as at FVTPL.
Aset keuangan diklasifikasi sebagai kelompok diperdagangkan, jika:
A financial asset is classified as held for trading if:
diperoleh atau dimiliki terutama untuk tujuan dijual kembali dalam waktu dekat; atau
it has been acquired principally for the purpose of selling in the near term; or
pada pengakuan awal merupakan bagian dari portofolio instrumen keuangan tertentu yang dikelola secara bersama dan mempunyai pola ambil untung dalam jangka pendek aktual saat ini; atau
on initial recognition it is a part of a portfolio of identified financial instruments that the Bank manages together and has a recent actual pattern of short-term profit-taking; or
merupakan derivatif yang tidak ditetapkan dan tidak efektif sebagai instrumen lindung nilai.
it is a derivative that is not designated and effective as a hedging instrument.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 19 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
e. Aset Keuangan (lanjutan) e. Financial Assets (continued)
Aset keuangan selain aset keuangan yang diperdagangkan, dapat ditetapkan sebagai FVTPL pada saat pengakuan awal, jika:
A financial asset other than a financial asset held for trading may be designated as at FVTPL upon initial recognition if:
penetapan tersebut mengeliminasi atau mengurangi secara signifikan inkonsistensi pengukuran dan pengakuan yang dapat timbul; atau
such designation eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise; or
kelompok aset keuangan, liabilitas keuangan atau keduanya, dikelola dan kinerjanya dievaluasi berdasarkan nilai wajar, sesuai dengan manajemen risiko atau strategi investasi yang didokumentasikan, dan informasi tentang Bank disediakan secara internal kepada manajemen kunci entitas, misalnya direksi dan CEO.
a group of financial assets, financial liabilities or both is managed and its performance is evaluated on a fair value basis, in accordance with a documented risk management or investment strategy, and information about the Bank is provided internally on that basis to the entity’s key management personnel, for example the board of directors and chief executive officer.
Aset keuangan FVTPL disajikan sebesar nilai wajar, keuntungan atau kerugian yang timbul diakui dalam laba rugi. Keuntungan atau kerugian bersih yang diakui dalam laba rugi mencakup dividen atau bunga yang diperoleh dari aset keuangan. Nilai wajar ditentukan dengan cara seperti dijelaskan pada Catatan 3i.
Financial assets at FVTPL are stated at fair value, with any resultant gain or loss recognized in profit or loss. The net gain or loss recognized in profit or loss incorporates any dividend or interest earned on the financial asset. Fair value is determined in the manner described in Note 3i.
Investasi dimiliki hingga jatuh tempo Held-to-maturity investment
Aset keuangan diklasifikasikan sebagai investasi dimiliki hingga jatuh tempo hanya jika investasi tersebut memiliki pembayaran yang tetap atau telah ditentukan dan jatuh temponya telah ditetapkan serta Bank mempunyai intensi positif dan kemampuan untuk memiliki aset keuangan tersebut hingga jatuh tempo. Pada saat pengakuan awal, investasi dimiliki hingga jatuh tempo diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung dengan perolehan aset keuangan. Setelah pengakuan awal, investasi dimiliki hingga jatuh tempo diukur pada biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif dikurangi kerugian penurunan nilai.
Financial assets are classified as held-to-maturity investment only if these investments have fixed or determinable payments and their maturity date has been determined and the Bank has the positive intention and ability to hold such financial assets to maturity. Held-to-maturity investments are initially measured at fair value plus transaction costs which are attributable directly to the acquisition of the financial assets. Subsequent to initial recognition, held-to-maturity investments are measured at amortized cost, using effective interest method less impairment.
Pinjaman yang diberikan dan piutang Loans and receivables
Aset keuangan dengan pembayaran tetap atau telah
ditentukan dan tidak mempunyai kuotasi di pasar
aktif diklasifikasi sebagai pinjaman yang diberikan
dan piutang, yang diukur pada biaya perolehan
diamortisasi dengan menggunakan metode suku
bunga efektif dikurangi penurunan nilai. Bunga
diakui dengan menggunakan metode suku bunga
efektif, kecuali piutang jangka pendek dimana
pengakuan bunga tidak material.
Financial assets that have fixed or determinable
payments that are not quoted in an active market
are classified as loans and receivables. Loans
and receivables are measured at amortized cost
using the effective interest method less
impairment. Interest is recognized by applying
the effective interest method, except for short-
term receivables when the recognition of interest
would be immaterial.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 20 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
e. Aset Keuangan (lanjutan) e. Financial Assets (continued)
Aset keuangan tersedia untuk dijual (AFS) Available-for-sale financial assets (AFS)
AFS aset keuangan adalah aset keuangan non-derivatif yang ditetapkan baik sebagai AFS atau yang tidak diklasifikasikan sebagai (a) pinjaman yang diberikan dan piutang, (b) dimiliki hingga jatuh tempo atau (c) aset keuangan pada nilai wajar melalui laba rugi (FVTPL). Pada saat pengakuan awal, aset keuangan yang tersedia untuk dijual diukur pada nilai wajar ditambah dengan biaya transaksi yang dapat diatribusikan secara langsung. Setelah itu, aset keuangan tersedia untuk dijual diukur dan dicatat pada nilai wajar.
AFS financial assets are non-derivative financial assets that are either designated as AFS or are not classified as (a) loans and receivables, (b) held-to-maturity investments or (c) financial assets at fair value through profit or loss. AFS financial assets are initially measured at fair value plus any directly attributable transaction costs. Subsequently, they are measured at fair value.
Keuntungan atau kerugian yang timbul dari perubahan nilai wajar diakui dalam penghasilan komprehensif lain di ekuitas sebagai akumulasi revaluasi investasi AFS kecuali untuk kerugian penurunan nilai, pendapatan/beban yang dihitung dengan metode suku bunga efektif dan laba rugi selisih kurs atas aset moneter yang diakui pada laba rugi. Jika investasi keuangan dilepas atau mengalami penurunan nilai, akumulasi laba atau rugi yang sebelumnya diakui pada revaluasi investasi AFS, direklas ke laba rugi.
Gains and losses arising from changes in fair value are recognized in other comprehensive income and in equity as accumulated in AFS investment revaluation, with the exception of impairment losses, revenue/expense calculated using the effective interest method, and foreign exchange gains and losses on monetary assets, which are recognized in profit or loss. When the investment is disposed of or is determined to be impaired, the cumulative gain or loss previously accumulated in AFS investment revaluation reserve is reclassified to profit or loss.
Dividen atas instrumen AFS, jika ada, diakui pada
laba rugi pada saat hak Bank untuk memperoleh
pembayaran dividen ditetapkan.
Dividend on AFS equity instrument, if any, are
recognized in profit or loss when the Bank’s right
to receive the dividends are established.
Penurunan nilai aset keuangan Impairment of financial assets
Aset keuangan, selain aset keuangan FVTPL, dievaluasi terhadap indikator penurunan nilai pada setiap akhir periode pelaporan. Aset keuangan diturunkan nilainya bila terdapat bukti obyektif, sebagai akibat dari satu atau lebih peristiwa yang terjadi setelah pengakuan awal aset keuangan, dan peristiwa yang merugikan tersebut berdampak pada estimasi arus kas masa depan atas aset keuangan yang dapat diestimasi secara andal.
Financial assets, other than those at FVTPL, are assessed for indicators of impairment at the end of each reporting period. Financial assets are considered to be impaired when there is objective evidence that, as a result of one or more events that occurred after the initial recognition of the financial asset, the estimated future cash flows of the investment have been affected.
Untuk investasi ekuitas AFS yang tercatat dan tidak tercatat di bursa, penurunan yang signifikan atau jangka panjang dalam nilai wajar dari instrumen ekuitas di bawah biaya perolehannya dianggap sebagai bukti obyektif terjadinya penurunan nilai.
For listed and unlisted equity investments classified as AFS, a significant or prolonged decline in the fair value of the security below its cost is considered to be objective evidence of impairment.
Untuk aset keuangan lainnya, bukti obyektif penurunan nilai termasuk sebagai berikut:
For all other financial assets, the objective evidence of impairment could include:
kesulitan keuangan signifikan yang dialami penerbit atau pihak peminjam; atau
significant financial difficulty of the issuer or counterparty; or
pelanggaran kontrak, seperti terjadinya wanprestasi atau tunggakan pembayaran pokok atau bunga; atau
breach of contract, such as default or delinquency in interest or principal payments; or
terdapat kemungkinan bahwa pihak peminjam akan dinyatakan pailit atau melakukan reorganisasi keuangan; atau
it becoming probable that the borrower will enter bankruptcy or financial re-organization; or
hilangnya pasar aktif dari aset keuangan akibat kesulitan keuangan.
the disappearance of an active market for that financial asset because of financial difficulties.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 21 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
e. Aset Keuangan (lanjutan) e. Financial Assets (continued)
Untuk aset keuangan yang diukur pada biaya perolehan diamortisasi, jumlah kerugian penurunan nilai merupakan selisih antara jumlah tercatat aset keuangan dengan nilai kini dari estimasi arus kas masa depan yang didiskontokan menggunakan suku bunga efektif awal dari aset keuangan.
For financial assets carried at amortized cost, the amount of the impairment loss is measured as the difference between the asset’s carrying amount and the present value of estimated future cash flows, discounted at the financial asset’s original effective interest rate.
Kerugian penurunan nilai dihitung secara individual untuk aset keuangan yang signifikan secara individual serta kolektif untuk aset yang secara individual tidak signifikan dan secara individual signifikan namun tidak terdapat bukti obyektif penurunan nilai. Di dalam menentukan penurunan nilai kolektif, aset keuangan dikelompokkan pada kelompok aset keuangan berdasarkan karakteristik risiko kredit yang serupa. Arus kas masa depan dari kelompok aset keuangan ini diestimasi berdasarkan arus kas kontraktual dan pengalaman kerugian historis untuk aset yang memiliki karakteristik risiko kredit yang serupa. Pengalaman historis kerugian disesuaikan berdasarkan hasil pengamatan data pada masa kini, untuk merefleksikan efek dari kondisi masa kini yang tidak mempengaruhi periode dari pengalaman historis.
Impairment loss is calculated individually for financial assets that are individually significant and collectively for assets that are individually not significant or individually significant but there is no objective evidence of impairment when assessed individually. In determining collective impairment, financial assets are grouped into groups of financial assets based on similar credit risk characteristics. Future cash flow from a group of financial assets is estimated based on contractual cash flows and historical loss experience for assets that have similar credit risk characteristics. Historical loss experience is adjusted based on data observations in the present, to reflect the effects of current conditions that do not affect the period of historical experience.
Dalam melakukan penilaian secara kolektif, Bank
harus menghitung:
In conducting collective assessment, the Bank
must calculate:
Probability of default (”PD”) – model ini
menilai probabilitas konsumen gagal
melakukan pembayaran kembali secara
penuh dan tepat waktu.
Probability of default (“PD”) – these
models assess the probability of customers
failing to repay fully and on time.
Recoverable amount – didasarkan pada
identifikasi arus kas masa depan dan estimasi
nilai kini dari arus kas tersebut (discounted
cash flow).
Recoverable amount – based on
identification of future cash flows and
estimation of the present value of those cash
flows (discounted cash flow).
Loss given default (”LGD”) – Bank
mengestimasi kerugian ekonomis yang
mungkin akan diderita Bank apabila terjadi
tunggakan fasilitas kredit. LGD
menggambarkan jumlah utang yang tidak
dapat diperoleh kembali dan umumnya
ditunjukkan dalam persentase dari exposure
at default (EAD). Model perhitungan LGD
mempertimbangkan jenis peminjam, fasilitas
dan mitigasi risiko, misalnya ketersediaan
agunan.
Loss given default (“LGD”) – the Bank
estimates economic losses that may be
suffered by the Bank if there are arrears in
credit facility. LGD describes the amount of
debt that may not be recovered and is
generally expressed as a percentage of the
exposure at default (EAD). The LGD
calculation model considers the type of
borrower, facility and any risk mitigation
such as availability of collateral.
Exposure at default (”EAD”) – Bank
mengestimasi tingkat utilisasi yang
diharapkan dari fasilitas kredit pada saat
terjadi tunggakan.
Exposure at default (“EAD”) – the Bank
estimates the expected utilization level of
credit facilities in the event of arrears.
PD dan LGD diperoleh dari observasi data
fasilitas kredit selama minimal empat tahun.
PD and LGD are derived from observation of
credit facility data for at least four years.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 22 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
e. Aset Keuangan (lanjutan) e. Financial Assets (continued)
Cadangan kerugian penurunan nilai yang dinilai
secara kolektif dilakukan dengan mengkalikan
nilai baki debet fasilitas kredit pada posisi laporan
dengan probability default (PD) dan loss given
default (LGD).
Allowance for impairment losses collectively
assessed is performed by multiplying the
outstanding credit facility at report date by the
probability of default (PD) and loss given default
(LGD).
Kerugian penurunan nilai diakui pada laba rugi
dan nilai tercatat dari aset keuangan atau
kelompok aset keuangan dikurangi dengan
cadangan kerugian penurunan nilai yang
terbentuk. Pada saat penurunan nilai diakui dalam
aset keuangan atau kelompok aset keuangan,
pendapatan bunga diakui berdasarkan nilai tercatat
setelah penurunan nilai menggunakan tarif bunga
yang digunakan untuk mendiskontokan estimasi
arus kas masa depan pada saat menghitung
penurunan nilai.
The impairment loss is recognized in profit or
loss and the carrying amount of the financial
asset or group of financial assets are presented
net of allowance for impairment losses. When
impairment losses are recognized in the financial
asset or group of financial assets, interest
income is recognized based on the carrying
amount after impairment using the interest rate
used for discounting the estimated future cash
flow when calculating impairment.
Jika aset keuangan AFS dianggap menurun
nilainya, keuntungan atau kerugian kumulatif yang
sebelumnya telah diakui dalam ekuitas
direklasifikasi ke laba rugi.
When an AFS financial asset is considered to be
impaired, cumulative gains or losses previously
recognized in equity are reclassified to profit or
loss.
Kecuali instrumen ekuitas AFS, jika, pada periode
berikutnya, jumlah kerugian penurunan nilai
berkurang dan pengurangan tersebut dapat
dikaitkan secara obyektif dengan peristiwa yang
terjadi setelah penurunan nilai diakui, kerugian
penurunan nilai yang diakui sebelumnya
dipulihkan melalui laba rugi hingga nilai tercatat
investasi pada tanggal pemulihan penurunan nilai,
sepanjang nilainya tidak melebihi biaya perolehan
diamortisasi sebelum pengakuan kerugian
penurunan nilai dilakukan.
With the exception of AFS equity instruments, if,
in a subsequent period, the amount of the
impairment loss decreases and the decrease can
be related objectively to an event occurring after
the impairment was recognized, the previously
recognized impairment loss is reversed through
profit or loss to the extent that the carrying
amount of the investment at the date the
impairment is reversed does not exceed what the
amortized cost would have been had the
impairment not been recognized.
Dalam hal efek ekuitas AFS, kerugian penurunan nilai yang sebelumnya diakui dalam laba rugi tidak boleh dipulihkan melalui laba rugi. Setiap kenaikan nilai wajar setelah penurunan nilai diakui secara langsung ke penghasilan komprehensif lain. Sehubungan dengan efek utang AFS, kerugian penurunan nilai yang dipulihkan melalui laba rugi jika kenaikan nilai wajar investasi dapat dikaitkan secara obyektif dengan peristiwa yang terjadi setelah pengakuan kerugian penurunan nilai.
In respect of AFS equity investments, impairment losses previously recognized in profit or loss are not reversed through profit or loss. Any increase in fair value subsequent to an impairment loss is recognized directly in other comprehensive income. In respect of AFS debt securities, impairment losses are subsequently reversed through profit or loss if an increase in the fair value of the investment can be objectively related to an event occurring after the recognition of the impairment loss.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 23 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
e. Aset Keuangan (lanjutan) e. Financial Assets (continued)
Penghentian pengakuan aset keuangan Derecognition of financial assets
Bank menghentikan pengakuan aset keuangan jika dan hanya jika hak kontraktual atas arus kas yang berasal dari aset keuangan berakhir, atau Bank mentransfer aset keuangan dan secara substansial mentransfer seluruh risiko dan manfaat atas kepemilikan aset kepada entitas lain. Jika Bank tidak mentransfer serta tidak memiliki secara substansial atas seluruh risiko dan manfaat kepemilikan serta masih mengendalikan aset yang ditransfer, maka Bank mengakui keterlibatan berkelanjutan atas aset yang ditransfer dan liabilitas terkait sebesar jumlah yang mungkin harus dibayar. Jika Bank memiliki secara substansial seluruh risiko dan manfaat kepemilikan aset keuangan yang ditransfer, Bank masih mengakui aset keuangan dan juga mengakui pinjaman yang dijamin sebesar pinjaman yang diterima.
The Bank derecognizes a financial asset only when the contractual rights to the cash flows from the asset expire, or when it transfers the financial asset and substantially all the risks and rewards of ownership of the asset to another entity. If the Bank neither transfers nor retains substantially all the risks and rewards of ownership and continues to control the transferred asset, the Bank recognizes its retained interest in the asset and an associated liability for amounts it may have to pay. If the Bank retains substantially all the risks and rewards of ownership of a transferred financial asset, the Bank continues to recognize the financial asset and also recognizes a collateralized borrowing for the proceeds received.
Penghentian pengakuan aset keuangan secara keseluruhan, selisih antara jumlah tercatat aset dan jumlah pembayaran dan piutang yang diterima dan keuntungan atau kerugian kumulatif yang telah diakui dalam penghasilan komprehensif lain dan terakumulasi dalam ekuitas diakui dalam laba rugi.
On derecognition of financial asset in its entirety, the difference between the asset’s carrying amount and the sum of the consideration received and receivable and the cumulative gain or loss that had been recognized in other comprehensive income and accumulated in equity is recognized in profit or loss.
Penghentian pengakuan aset keuangan terhadap satu bagian saja (misalnya ketika Bank masih memiliki hak untuk membeli kembali bagian aset yang ditransfer), Bank mengalokasikan jumlah tercatat sebelumnya dari aset keuangan tersebut pada bagian yang tetap diakui berdasarkan keterlibatan berkelanjutan dan bagian yang tidak lagi diakui berdasarkan nilai wajar relatif dari kedua bagian tersebut pada tanggal transfer. Selisih antara jumlah tercatat yang dialokasikan pada bagian yang tidak lagi diakui dan jumlah dari pembayaran yang diterima untuk bagian yang tidak lagi diakui dan setiap keuntungan atau kerugian kumulatif yang dialokasikan pada bagian yang tidak lagi diakui tersebut yang sebelumnya telah diakui dalam penghasilan komprehensif lain diakui pada laba rugi. Keuntungan dan kerugian kumulatif yang sebelumnya diakui dalam penghasilan komprehensif lain dialokasikan pada bagian yang tetap diakui dan bagian yang dihentikan pengakuannya, berdasarkan nilai wajar relatif kedua bagian tersebut.
On derecognition of financial asset other than its entirety (e.g., when the Bank retains an option to repurchase part of a transferred asset), the Bank allocates the previous carrying amount of the financial asset between the part it continues to recognize under continuing involvement, and the part it no longer recognizes on the basis of the relative fair values of those parts on the date of the transfer. The difference between the carrying amount allocated to the part that is no longer recognized and the sum of the consideration received for the part no longer recognized and any cumulative gain or loss allocated to it that had been recognized in other comprehensive income is recognized in profit or loss. A cumulative gain or loss that had been recognized in other comprehensive income is allocated between the part that continues to be recognized and the part that is no longer recognized on the basis of the relative fair values of those parts.
Aset dihapusbukukan dari cadangan kerugian
penurunan nilai pada saat manajemen berpendapat
bahwa aset tersebut harus dihapuskan karena
secara operasional debitur sudah tidak mampu
membayar dan/atau sulit untuk ditagih.
Penerimaan kembali aset yang telah dihapuskan
pada tahun berjalan dicatat sebagai penambahan
cadangan kerugian penurunan nilai yang
bersangkutan selama tahun berjalan. Penerimaan
kembali aset yang telah dihapuskan pada tahun-
tahun sebelumnya dicatat sebagai pendapatan
operasional tahun berjalan.
Assets written off are charged to the allowance for
impairment losses when management believes that
they are definitely uncollectible. Recovery of assets
previously written off in the current year is
recorded as an addition to the allowance for
impairment losses during the year of credit
recovery. Recovery of assets previously written off
in the previous years is recorded as operating
income during the year.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 24 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
f. Liabilitas Keuangan dan Instrumen Ekuitas f. Financial Liabilities and Equity Instruments
Liabilitas keuangan awalnya diukur sebesar nilai
wajarnya. Biaya transaksi yang dapat
diatribusikan secara langsung dengan perolehan
atau penerbitan liabilitas keuangan (selain
liabilitas keuangan yang diukur pada nilai wajar
melalui laba rugi) ditambahkan atau dikurangkan
dari nilai wajar liabilitas keuangan, yang sesuai,
pada pengakuan awal. Biaya transaksi yang dapat
diatribusikan secara langsung dengan perolehan
liabilitas keuangan yang diukur pada nilai wajar
melalui laba rugi langsung diakui dalam laba
rugi.
Financial liabilities are initially measured at fair
value. Transaction costs that are directly
attributable to the acquisition or issue of financial
liabilities (other than financial liabilities at fair
value through profit or loss) are added to or
deducted from the fair value of the financial
liabilities, as appropriate, on initial recognition.
Transaction costs directly attributable to the
acquisition of financial liabilities at fair value
through profit or loss are recognized immediately
in profit or loss.
Klasifikasi sebagai liabilitas atau ekuitas Classification as debt or equity
Instrumen utang dan ekuitas yang diterbitkan oleh
Bank diklasifikasi sebagai liabilitas keuangan atau
ekuitas sesuai dengan substansi perjanjian
kontraktual dan definisi liabilitas keuangan dan
instrumen ekuitas.
Debt and equity instruments issued by the Bank
are classified as either financial liabilities or as
equity in accordance with the substance of the
contractual arrangements entered into and the
definitions of a financial liability and an equity
instrument.
Instrumen ekuitas Equity instruments
Instrumen ekuitas adalah setiap kontrak yang
memberikan hak residual atas aset Bank setelah
dikurangi dengan seluruh liabilitasnya. Instrumen
ekuitas yang diterbitkan oleh Bank dicatat sebesar
hasil penerimaan bersih setelah dikurangi biaya
penerbitan langsung.
An equity instrument is any contract that
evidences a residual interest in the assets of the
Bank after deducting all of its liabilities. Equity
instruments issued by the Bank are recorded at the
proceeds received, net of direct issue costs.
Biaya emisi saham yang menambah dan
beratribusi secara langsung terhadap penerbitan
saham baru disajikan sebagai bagian dari
tambahan modal disetor dan tidak diamortisasi.
Share issuance costs that are incremental and
directly attributable to issuance of new shares are
deducted from additional paid-in capital and are
not amortized.
Liabilitas keuangan Financial liabilities
Liabilitas keuangan diklasifikasikan sebagai
FVTPL atau pada biaya perolehan diamortisasi.
Financial liabilities are classified as either “at
FVTPL” or “at amortized cost”.
Liabilitas keuangan yang Diukur pada Nilai Wajar melalui Laba Rugi (FVTPL)
Financial liabilities at FVTPL
Liabilitas keuangan diklasifikasi sebagai FVTPL pada saat liabilitas keuangan baik dimiliki untuk diperdagangkan atau ditetapkan pada FVTPL.
Financial liabilities are classified as at FVTPL when the financial liability is either held for trading or designated as at FVTPL.
Liabilitas keuangan dimiliki untuk diperdagangkan jika:
A financial liability is classified as held for trading if:
diperoleh terutama untuk tujuan dibeli kembali
dalam waktu dekat; atau
it has been acquired principally for the purpose of repurchasing in the near term; or
pada pengakuan awal merupakan bagian dari
portofolio instrumen keuangan tertentu yang
dikelola secara bersama dan terdapat bukti
mengenai pola ambil untung dalam jangka
pendek aktual terkini; atau
on initial recognition it is part of an identified
portfolio of financial instruments that the
Bank manages together and has a recent
actual pattern of short-term profit-taking; or
merupakan derivatif yang tidak ditetapkan dan tidak efektif sebagai instrumen lindung nilai.
it is a derivative that is not designated and effective as a hedging instrument.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 25 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
f. Liabilitas Keuangan dan Instrumen Ekuitas
(lanjutan)
f. Financial Liabilities and Equity Instruments
(continued)
Liabilitas keuangan yang Diukur pada Nilai Wajar melalui Laba Rugi (FVTPL) (lanjutan)
Financial liabilities at FVTPL (continued)
Liabilitas keuangan selain liabilitas keuangan yang diperdagangkan, dapat ditetapkan sebagai FVTPL pada saat pengakuan awal, jika:
A financial liability other than a financial liability held for trading may be designated as at FVTPL upon initial recognition, if:
mengeliminasi atau mengurangi secara
signifikan inkonsistensi pengukuran dan pengakuan yang dapat timbul; atau
such designation eliminates or significantly reduces a measurement or recognition inconsistency that would otherwise arise; or
kelompok aset keuangan, liabilitas keuangan atau keduanya, dikelola dan kinerjanya dievaluasi berdasarkan nilai wajar, sesuai dengan manajemen risiko atau strategi investasi yang didokumentasikan, dan informasi tentang kelompok tersebut disediakan secara internal kepada manajemen kunci Bank, misalnya direksi dan CEO.
a group of financial assets, financial
liabilities or both is managed and its
performance is evaluated on a fair value
basis, in accordance with a documented risk
management or investment strategy, and
information about the group is provided
internally on that basis to the entity's key
management personnel, for example the
Bank's board of directors and chief executive
officer.
Liabilitas keuangan sebagai FVTPL yang diukur pada nilai wajar, keuntungan atau kerugian yang timbul diakui dalam laba rugi. Keuntungan atau kerugian bersih yang diakui dalam laba rugi mencakup setiap bunga yang dibayar dari liabilitas keuangan. Nilai wajar ditentukan dengan cara yang dijelaskan dalam Catatan 3i.
Financial liabilities at FVTPL are stated at fair value, with any resultant gain or loss recognized in profit or loss. The net gain or loss recognized in profit or loss incorporates any interest paid on the financial liability. Fair value is determined in the manner described in Note 3i.
Liabilitas keuangan pada biaya perolehan diamortisasi
Financial liabilities at amortized costs
Pada saat pengakuan awal, liabilitas keuangan yang diukur pada biaya perolehan diamortisasi, diakui pada nilai wajarnya, setelah dikurangi biaya transaksi yang dapat diatribusikan secara langsung dengan penerbitan liabilitas keuangan tersebut, dan selanjutnya diukur pada biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif, dimana beban bunga diakui berdasarkan tingkat pengembalian yang efektif, kecuali untuk liabilitas jangka pendek dimana pengakuan bunganya tidak material.
At initial recognition, financial liabilities measured at amortized cost are recognized at fair value, net of transaction costs which are directly attributable to the issuance of such financial liabilities, and subsequently measured at amortized cost using the effective interest method, where interest expense is recognized based on the rate of effective return, except for short-term liabilities when the recognition of interest would be immaterial.
Penghentian pengakuan liabilitas keuangan Derecognition of financial liabilities Bank menghentikan pengakuan liabilitas keuangan, jika dan hanya jika, kewajiban Bank telah dilepaskan, dibatalkan atau kadaluarsa. Selisih antara jumlah tercatat liabilitas keuangan yang dihentikan pengakuannya dan imbalan yang dibayarkan dan utang diakui dalam laba rugi.
The Bank derecognizes financial liabilities when, and only when, the Bank’s obligations are discharged, cancelled or have expired. The difference between the carrying amount of the financial liability derecognized and the consideration paid and payable is recognized in profit or loss.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 26 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
g. Reklasifikasi Instrumen Keuangan g. Reclassifications of Financial Instruments
Reklasifikasi Aset Keuangan Reclassification of Financial Assets
Bank tidak diperkenankan untuk melakukan reklasifikasi aset keuangan ke kelompok aset keuangan FVTPL. Bank hanya dapat melakukan reklasifikasi aset keuangan ke kelompok pinjaman yang diberikan dan piutang jika aset keuangan tersebut memenuhi definisi pinjaman yang diberikan dan piutang dan Bank memiliki intensi dan kemampuan memiliki aset keuangan untuk masa depan yang dapat diperkirakan atau hingga jatuh tempo dari kelompok aset keuangan FVTPL atau dari kelompok tersedia untuk dijual. Aset keuangan tersebut direklasifikasi pada nilai wajar pada tanggal reklasifikasi yang menjadi biaya perolehan diamortisasi yang baru. Setiap keuntungan dan kerugian yang sudah diakui dalam laba rugi tidak boleh dipulihkan. Setiap keuntungan dan kerugian yang sudah diakui dalam penghasilan komprehensif lain diamortisasi ke laba rugi selama sisa umur aset keuangan (jika aset keuangan memiliki jatuh tempo tetap) atau tetap diakui dalam penghasilan komprehensif lain sampai aset keuangan tersebut dilepas atau dijual (jika aset keuangan tidak memiliki jatuh tempo tetap).
The Bank shall not reclassify any financial assets into FVTPL after initial recognition. The Bank only reclassifies financial assets classified as at FVTPL or available-for-sale into loans and receivables if the financial assets meet the definition of loans and receivables and the Bank has the intention and ability to hold the financial assets for the foreseeable future or until maturity. The financial assets are reclassified at fair value, on the date of reclassification which becomes its new amortized cost. Any gains or losses already recognized in profit or loss are not reversed. Any gains or losses that have been recognized in other comprehensive income are amortized through profit or loss over the remaining life of the financial assets (for financial assets that have fixed maturities) or continue to be recognized in other comprehensive income until the financial assets are sold or other wise disposed (for financial assets that do not have fixed maturities).
Reklasifikasi Liabilitas Keuangan Reclassification of Financial Liabilities
Bank tidak diperkenankan untuk mereklasifikasi
liabilitas keuangan dari atau ke kelompok liabilitas
keuangan FVTPL.
The Bank is not allowed to reclassify any financial
liabilities from or to a group of FVTPL financial
liabilities.
h. Saling Hapus Antar Aset Keuangan dan
Liabilitas Keuangan
h. Netting of Financial Assets and Financial
Liabilities
Aset keuangan dan liabilitas keuangan disalinghapuskan dan nilai netonya disajikan dalam laporan poisisi keuangan jika Bank memiliki hak yang dapat dipaksakan secara hukum untuk melakukan saling hapus atas jumlah yang telah diakui; dan berintensi untuk menyelesaikan secara neto atau untuk merealisasikan aset dan menyelesaikan liabilitasnya secara simultan. Hak saling hapus harus dapat ada pada saat ini dari pada bersifat kontinjen atas terjadinya suatu peristiwa di masa depan dan harus dieksekusi oleh pihak lawan, baik dalam situasi bisnis normal dan dalam peristiwa gagal bayar, peristiwa kepailitan atau kebangkrutan.
Financial assets and financial liabilities are offset
and the net amount presented in the statement of
financial position when the Bank has a legally
enforceable right to set off the recognized
amounts; and intends either to settle on a net
basis, or to realise the asset and settle the liability
simultaneously. A right to set-off must be
available today rather than being contingent on a
future event and must be exercisable by any of the
counterparties, both in the normal course of
business and in the event of default, insolvency or
bankruptcy.
i. Nilai Wajar i. Fair Value
Nilai wajar adalah harga yang akan diterima untuk
menjual suatu aset atau harga yang akan dibayar
untuk mengalihkan suatu liabilitas dalam transaksi
teratur antara pelaku pasar pada tanggal
pengukuran tanpa memperhatikan apakah harga
tersebut dapat diobservasi secara langsung atau
diestimasi menggunakan teknik penilaian lain.
Fair value is the price that would be received to sell
an asset or paid to transfer a liability in an orderly
transaction between market participants at the
measurement date, regardless of whether that price
is directly observable or estimated using another
valuation technique.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 27 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
i. Nilai Wajar (lanjutan) i. Fair Value (continued)
Dalam mengukur nilai wajar atas suatu aset atau
liabilitas pada tanggal pengukuran, Bank
memperhitungkan karakteristik suatu aset atau
liabilitas jika pelaku pasar akan memperhitungkan
karakteristik tersebut ketika menentukan harga
aset atau liabilitas pada tanggal pengukuran.
In estimating the fair value of an asset or a liability,
the Bank takes into account the characteristics of
the asset or a liability if market participants would
take those characteristics into account when pricing
the asset or liability at the measurement date.
Dalam rangka konsistensi dan perbandingan dalam
pengukuran nilai wajar dan pengungkapan terkait,
Bank melakukan pengukuran nilai wajar atas
instrumen keuangan yang dimiliki dengan hirarki
berikut:
In order to increase consistency and comparability
in fair value measurements and related disclosures,
the Bank measures the fair value of the financial
instruments held based on the following hierarchy
that categorized into three levels the inputs to
valuation techniques:
Pengukuran nilai wajar level 1 adalah yang
berasal dari harga kuotasian (tanpa
penyesuaian) dalam pasar aktif untuk aset atau
liabilitas yang identik; dimana Bank dapat
mengakses pada tanggal pengukuran;
Level 1 fair value measurements are those
derived from quoted prices (unadjusted) in active
markets for identical assets or liabilities, that the
Bank can access at the measurement data;
Pengukuran nilai wajar level 2 adalah yang
berasal dari input selain harga kuotasian yang
termasuk dalam level 1 yang dapat diobservasi
untuk aset atau liabilitas, baik secara langsung
(misalnya harga) atau secara tidak langsung
(misalnya deviasi dari harga); dan
Level 2 fair value measurements are those
derived from inputs other than quoted prices
included within Level 1 that are observable for
the assets or liability, either directly (i.e. as
prices) or indirectly (i.e. derived from prices);
and
Pengukuran nilai wajar level 3 adalah yang
berasal dari teknik penilaian yang mencakup
input untuk aset atau liabilitas yang bukan
berdasarkan data pasar yang dapat diobservasi
(input yang tidak dapat diobservasi).
Level 3 fair value measurements are those
derived from valuation techniques that include
inputs for the asset or liability that are not based
on observable market data (unobservable
inputs).
j. Giro pada Bank Indonesia dan Bank Lain j. Demand Deposits with Bank Indonesia and Other
Banks
Giro pada Bank Indonesia dan bank lain
diklasifikasikan dalam kategori pinjaman yang
diberikan dan piutang.
Demand deposits with Bank Indonesia and other
banks are classified as loans and receivable.
Pengakuan, pengukuran awal, pengukuran setelah
pengakuan awal, reklasifikasi, penentuan nilai
wajar, penurunan nilai dan penghentian pengakuan
giro pada Bank Indonesia dan bank lain mengacu
pada Catatan 3e, 3g dan 3i terkait aset keuangan.
Recognition, initial measurement, subsequent
measurement, reclassification, fair value
measurement, impairment and derecognition of
demand deposits with Bank Indonesia and other
banks are discussed in Notes 3e, 3g and 3i related to
financial assets.
k. Penempatan pada Bank Indonesia dan Bank
Lain
k. Placements with Bank Indonesia and Other Banks
Penempatan pada Bank Indonesia dan bank lain
diklasifikasikan dalam kategori pinjaman yang
diberikan dan piutang.
Placements with Bank Indonesia and other banks
are classified as loans and receivable.
Pengakuan, pengukuran awal, pengukuran setelah
pengakuan awal, reklasifikasi, penentuan nilai
wajar, penurunan nilai dan penghentian pengakuan
penempatan pada Bank Indonesia dan bank lain
mengacu pada Catatan 3e, 3g dan 3i terkait aset
keuangan.
Recognition, initial measurement, subsequent
measurement, reclassification, fair value
measurement, impairment and derecognition of
placements with Bank Indonesia and other banks
are discussed in Notes 3e, 3g and 3i related to
financial assets.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 28 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
l. Efek-efek l. Securities
Efek-efek diklasifikasikan dalam kategori
diperdagangkan, tersedia untuk dijual dan dimiliki
hingga jatuh tempo.
Securities are classified as held-for-trading,
available-for-sale and held-to-maturity.
Pengakuan, pengukuran awal, pengukuran setelah
pengukuran awal, reklasifikasi, penentuan nilai
wajar, penurunan nilai dan penghentian pengakuan
efek-efek mengacu pada Catatan 3e, 3g dan 3i
terkait aset keuangan.
Recognition, initial measurement, subsequent
measurement, reclassification, fair value
measurement, impairment and derecognition of
securities are discussed in Notes 3e, 3g and 3i
related to financial assets.
m. Tagihan dan Liabilitas Derivatif m. Derivative Receivables and Payables
Tagihan dan liabilitas derivatif diklasifikasikan
dalam kategori diukur pada nilai wajar melalui
laba rugi (FVTPL).
Derivative receivables and payables are
classified as at fair value through profit or loss
(FVTPL).
Pengakuan, pengukuran awal, pengukuran setelah
pengakuan awal, reklasifikasi, penentuan nilai
wajar, penurunan nilai dan penghentian pengakuan
tagihan dan liabilitas derivatif mengacu pada
Catatan 3e, 3f, 3g dan 3i terkait aset keuangan dan
liabilitas keuangan.
Recognition, initial measurement, subsequent
measurement, reclassification, fair value
measurement, impairment and derecognition of
derivative receivables and payables are discussed in
Notes 3e, 3f, 3g and 3i related to financial assets
and financial liabilities.
n. Kredit n. Loans
Kredit diklasifikasikan dalam kategori pinjaman
yang diberikan dan piutang.
Loans are classified as loans and receivable.
Pengakuan, pengukuran awal, pengukuran setelah
pengakuan awal, reklasifikasi, penentuan nilai
wajar, penurunan nilai dan penghentian pengakuan
kredit mengacu pada Catatan 3e, 3g dan 3i terkait
aset keuangan.
Recognition, initial measurement, subsequent
measurement, reclassification, fair value
measurement, impairment and derecognition of
loans are discussed in Notes 3e, 3g and 3i related to
financial assets.
o. Restrukturisasi Kredit Bermasalah o. Non Performing Loans Restructuring
Restrukturisasi kredit dilakukan terhadap debitur
yang tidak dapat atau diperkirakan tidak dapat
memenuhi kewajiban pembayaran angsuran pokok
dan/atau bunga sesuai dengan jadwal yang
diperjanjikan.
Loans restructuring performed to the debtors that
are unable or are predicted to be unable to fulfill
its principal payment installment responsibilities
or interest according to contractual schedule.
Kerugian yang timbul dari restrukturisasi kredit
yang berkaitan dengan modifikasi persyaratan
kredit diakui bila nilai sekarang dari jumlah
penerimaan kas yang akan datang yang telah
ditentukan dalam persyaratan kredit yang baru,
termasuk penerimaan yang diperuntukkan sebagai
bunga maupun pokok, adalah lebih kecil dari nilai
kredit yang diberikan yang tercatat sebelum
restrukturisasi seperti yang dibahas pada Catatan
3n.
Losses resulting from loan restructuring related
to modification of credit terms are recognized if
the present value of future cash receipts which
have been determined in new loan terms,
including receipts designated as interest or
principal, is less than the amount of the
outstanding loan before the restructuring as
discussed in Note 3n.
p. Tagihan dan Liabilitas Akseptasi p. Acceptances Receivable and Payable
Tagihan akseptasi diklasifikasikan dalam kategori
pinjaman yang diberikan dan piutang. Liabilitas
akseptasi dikategorikan sebagai liabilitas keuangan
diukur pada biaya perolehan diamortisasi.
Acceptances receivable are classified as loans
and receivable. Acceptances liabilities are
classified as financial liabilities at amortized
costs.
Pengakuan, pengukuran awal, pengukuran setelah
pengakuan awal, reklasifikasi, penentuan nilai
wajar, penurunan nilai dan penghentian pengakuan
tagihan dan liabilitas akseptasi mengacu pada
Catatan 3e, 3f, 3g dan 3i terkait aset keuangan dan
liabilitas keuangan.
Recognition, initial measurement, subsequent
measurement, reclassification, fair value
measurement, impairment and derecognition of
acceptances receivable and payable are discussed in
Notes 3e, 3f, 3g and 3i related to financial assets and
financial liabilities.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 29 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
q. Sewa q. Leases
Sewa merupakan suatu perjanjian yang mana lessor
memberikan kepada lessee hak untuk
menggunakan aset selama periode waktu yang
disepakati. Sebagai imbalannya, lessee melakukan
pembayaran atau serangkaian pembayaran kepada
lessor.
A lease is an agreement whereby the lessor
conveys to the lessee in return for a payment or
series of payments the right to use an asset for an
agreed period of time.
Sewa diklasifikasikan sebagai sewa pembiayaan
jika sewa tersebut mengalihkan secara substantial
seluruh risiko dan manfaat yang terkait dengan
kepemilikan aset. Sewa lainnya, yang tidak
memenuhi kriteria tersebut, diklasifikasikan
sebagai sewa operasi.
Leases are classified as finance leases whenever
the terms of the lease transfer substantially all the
risks and rewards of ownership to the lessee. All
other leases are classified as operating leases.
Sebagai Lessor As Lessor
Pendapatan sewa dari sewa operasi diakui sebagai
pendapatan dengan dasar garis lurus selama masa
sewa. Biaya langsung awal yang terjadi dalam
proses negosiasi dan pengaturan sewa operasi
ditambahkan dalam jumlah tercatat dari aset
sewaan dan diakui dengan dasar garis lurus selama
masa sewa.
Rental income from operating leases is
recognized on a straight-line basis over the term
of the relevant lease. Initial direct costs incurred
in negotiating and arranging an operating lease
are added to the carrying amount of the leased
asset and recognized on a straight-line basis over
the lease term.
Sebagai Lessee As Lessee
Pembayaran sewa operasi diakui sebagai beban
dengan dasar garis lurus (straight-line basis)
selama masa sewa, kecuali terdapat dasar
sistematis lain yang dapat lebih mencerminkan
pola waktu dari manfaat aset yang dinikmati
pengguna. Rental kontijen diakui sebagai beban
didalam periode terjadinya.
Operating lease payments are recognized as an
expense on a straight-line basis over the lease
term, except where another systematic basis is
more representative of the time pattern in which
economic benefits from the leased asset are
consumed. Contingent rentals arising under
operating leases are recognized as an expense in
the period in which they are incurred.
Dalam hal insentif diperoleh dalam sewa operasi, insentif tersebut diakui sebagai liabilitas. Keseluruhan manfaat dari insentif diakui sebagai pengurangan dari biaya sewa dengan dasar garis lurus kecuali terdapat dasar sistematis lain yang lebih mencerminkan pola waktu dari manfaat yang dinikmati pengguna.
In the event that lease incentives are received to enter into operating leases, such incentives are recognized as a liability. The aggregate benefit of incentives is recognized as a reduction of rental expense on a straight-line basis, except where another systematic basis is more representative of the time pattern in which economic benefits from the leased asset are consumed.
r. Biaya Dibayar Dimuka r. Prepaid Expenses
Biaya dibayar dimuka diamortisasi selama masa manfaat masing-masing biaya dengan menggunakan metode garis lurus.
Prepaid expenses are amortized over their beneficial periods using the straight-line method.
s. Aset Tidak Lancar yang Dimiliki Untuk Dijual s. Non-current Assets Held for Sale
Aset tidak lancar yang dimiliki untuk dijual (atau kelompok lepasan) diklasifikasi sebagai dimiliki untuk dijual jika jumlah tercatatnya akan dipulihkan terutama melalui transaksi penjualan dari pada melalui pemakaian berlanjut. Kondisi ini dianggap memenuhi hanya ketika aset (atau kelompok lepasan) berada dalam keadaan segera dapat dijual dengan syarat-syarat yang biasa dan umum yang diperlukan dalam penjualan aset (atau kelompok lepasan) tersebut dan penjualannya
Non-current assets (or disposal groups) are classified as held for sale if their carrying amount will be recovered principally through a sale transaction rather than through continuing use. This condition is regarded as met only when the asset (or disposal group) is available for immediate sale in its present condition subject only to terms that are usual and customary for sales of such asset (or disposal group) and its sale is highly probable. Management must be committed to the sale, which
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 30 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
s. Aset Tidak Lancar yang Dimiliki Untuk Dijual (lanjutan)
s. Non-current Assets Held for Sale (continued)
harus sangat mungkin terjadi. Manajemen harus memiliki komitmen untuk menjual dan penjualan diharapkan untuk diselesaikan dalam waktu satu tahun sejak tanggal reklasifikasi.
should be expected to qualify for recognition as a completed sale within one year from the date of classification..
Aset tidak lancar (atau kelompok lepasan) diklasifikasi sebagai yang dimiliki untuk dijual diukur pada nilai yang lebih rendah antara jumlah tercatat dan nilai wajar setelah dikurangi biaya untuk menjual.
Non-current assets (or disposal groups) classified as held for sale are measured at the lower of their previous carrying amount and fair value less cost to sell.
t. Aset Tetap t. Premises and Equipment
Aset tetap yang dimiliki dicatat berdasarkan biaya perolehan setelah dikurangi akumulasi penyusutan dan akumulasi kerugian penurunan nilai.
Premises and equipment are stated at cost, less accumulated depreciation and any accumulated impairment losses.
Penyusutan diakui sebagai penghapusan biaya perolehan aset dengan menggunakan metode garis lurus (straight-line method) masing-masing dengan estimasi masa manfaat sebagai berikut:
Depreciation is recognized so as to write-off the cost of assets using the straight-line method. The estimated useful lives of the assets are as follows:
Tahun/
Years
Persentase/
Percentage
Bangunan 20 5% Buildings Prasarana kantor (partisi dan renovasi
kantor) 5 20% Leasehold improvements (partition and
office renovation) Kendaraan bermotor 5 20% Motor vehicles Perabotan kantor 5 20% Office furniture Peralatan kantor 5 20% Office equipment Perangkat keras komputer 5 20% Computer hardware
Masa manfaat ekonomis, nilai residu dan metode penyusutan di-review setiap akhir periode dan pengaruh dari setiap perubahan estimasi tersebut berlaku prospektif.
The estimated useful lives, residual values and depreciation method are reviewed at each period end, with the effect of any changes in estimate accounted for on a prospective basis.
Tanah dinyatakan berdasarkan biaya perolehan dan tidak disusutkan.
Land is stated at cost and is not depreciated.
Beban pemeliharaan dan perbaikan dibebankan pada laba rugi pada saat terjadinya. Biaya-biaya lain yang terjadi selanjutnya yang timbul untuk menambah, mengganti atau memperbaiki aset tetap dicatat sebagai biaya perolehan aset jika dan hanya jika besar kemungkinan manfaat ekonomis di masa depan berkenaan dengan aset tersebut akan mengalir ke entitas dan biaya perolehan aset dapat diukur secara andal.
The cost of maintenance and repairs is charged to operations as incurred. Other costs incurred subsequently to add to, replace part of, or service an item of premises and equipment, are recognized as asset if, and only if, it is probable that future economic benefits associated with the item will flow to the entity and the cost of the item can be measured reliably.
Aset tetap dihentikan pengakuannya pada saat pelepasan atau ketika tidak ada manfaat ekonomik masa depan yang diharapkan timbul dari penggunaan aset secara berkelanjutan. Keuntungan atau kerugian yang timbul dari pelepasan atau penghentian pengakuan suatu aset tetap ditentukan sebagai selisih antara hasil penjualan dan nilai tercatat aset dan diakui dalam laba rugi.
An item of premises and equipment is derecognized upon disposal or when no future economic benefits are expected to arise from the continued use of the asset. Any gain or loss arising on the disposal or retirement of an item of premises and equipment is determined as the difference between the sales proceeds and the carrying amount of the asset and is recognised in profit or loss.
Aset dalam penyelesaian dinyatakan sebesar biaya perolehan dipindahkan ke masing-masing aset tetap yang bersangkutan pada saat selesai dan siap digunakan.
Construction in progress is stated at cost and transferred to the respective premises and equipment account when completed and ready for use.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 31 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (continued)
u. Aset Tak Berwujud u. Intangible Assets
Aset tak berwujud merupakan perangkat lunak yang dibeli oleh Bank dan dicatat sebesar biaya perolehan dikurangi akumulasi amortisasi.
Intangible assets consist of software acquired by the Bank and stated at cost less accumulated amortization.
Amortisasi diakui dalam laba rugi dengan menggunakan metode garis lurus (straight-line method) berdasarkan taksiran masa manfaat ekonomis selama 5 tahun.
Amortization is recognized in profit or loss using the straight line method based on its estimated useful life of 5 years.
Masa manfaat ekonomis, nilai residu dan metode amortisasi direview setiap akhir periode.
The estimated useful lives, residual values and amortization method are reviewed at each period end.
v. Penurunan Nilai Aset Non-keuangan kecuali Goodwill
v. Impairment of Non-financial Asset except Goodwill
Pada setiap akhir periode pelaporan, Bank menelaah nilai tercatat aset non-keuangan untuk menentukan apakah terdapat indikasi bahwa aset tersebut telah mengalami penurunan nilai. Jika terdapat indikasi tersebut, jumlah perpulihkan dari aset diestimasi untuk menentukan tingkat kerugian penurunan nilai (jika ada). Bila tidak memungkinkan untuk mengestimasi jumlah terpulihkan atas suatu aset individual, Bank mengestimasi jumlah terpulihkan dari unit penghasil kas atas aset.
At the end of each reporting period, the Bank reviews the carrying amounts of non-financial assets to determine whether there is any indication that those assets have suffered an impairment loss. If any such indication exists, the recoverable amount of the asset is estimated in order to determine the extent of the impairment loss (if any). When it is not possible to estimate the recoverable amount of an individual asset, the Bank estimates the recoverable amount of the cash generating unit to which the asset belongs.
Estimasi jumlah terpulihkan adalah nilai tertinggi
antara nilai wajar dikurangi biaya untuk pelepasan
dan nilai pakai. Dalam menilai nilai pakainya,
estimasi arus kas masa depan didiskontokan ke
nilai kini menggunakan tingkat diskonto sebelum
pajak yang menggambarkan penilaian pasar kini
dari nilai waktu uang dan risiko spesifik atas aset
yang mana estimasi arus kas masa depan belum
disesuaikan.
Estimated recoverable amount is the higher of
fair value less cost to sell and value in use. In
assessing value in use, the estimated future cash
flows are discounted to their present value using
a pre-tax discount rate that reflects current
market assessments of the time value of money
and the risks specific to the asset for which the
estimates of future cash flows have not been
adjusted.
Jika jumlah yang terpulihkan dari aset non-
keuangan (unit penghasil kas) lebih kecil dari nilai
tercatatnya, nilai tercatat aset (unit penghasil kas)
diturunkan menjadi sebesar jumlah terpulihkan dan
rugi penurunan nilai segera diakui dalam laba rugi.
If the recoverable amount of the non-financial
asset (cash generating unit) is less than its
carrying amount, the carrying amount of the
asset (cash generating unit) is reduced to its
recoverable amount and an impairment loss is
recognized immediately in profit or loss.
Apabila penurunan nilai selanjutnya dipulihkan,
jumlah tercatat aset (atau unit penghasil kas)
ditingkatkan ke estimasi yang direvisi dari jumlah
terpulihkannya, namun kenaikan jumlah tercatat
tidak boleh melebihi jumlah tercatat yang tidak
ada kerugian penurunan nilai yang diakui untuk
aset (atau unit penghasil kas) pada tahun-tahun
sebelumnya. Pemulihan rugi penurunan nilai
diakui segera dalam laba rugi.
When an impairment loss subsequently reverses,
the carrying amount of the asset (or a cash-
generating unit) is increased to the revised
estimate of its recoverable amount, such that the
increased carrying amount does not exceed the
carrying amount that would have been
determined had no impairment loss been
recognized for the asset (or cash-generating unit)
in prior years. A reversal of an impairment loss is
recognized immediately in profit or loss.
w. Agunan yang Diambil Alih w. Foreclosed Collateral
Tanah dan aset lainnya (jaminan kredit yang telah
diambil alih oleh Bank) disajikan dalam akun
Agunan yang Diambil Alih dalam kelompok “Aset
lain-lain”.
Land and other assets (collateral foreclosed by
the Bank) are presented in the Foreclosed
Collateral account under “Other assets”.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 32 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
w. Agunan yang Diambil Alih (lanjutan) w. Foreclosed Collateral (continued)
Agunan yang diambil alih diakui sebesar nilai
realisasi bersih. Selisih lebih saldo kredit di atas
nilai realisasi bersih dari agunan yang diambil alih,
dibebankan ke dalam akun cadangan kerugian
penurunan nilai.
Foreclosed collateral are stated at net realizable
value. The excess of loan receivable over the net
realizable value of the foreclosed collateral is
charged against allowance for impairment losses.
Selisih antara nilai agunan yang telah diambil alih
dan hasil penjualannya diakui sebagai keuntungan
atau kerugian pada saat penjualan agunan.
The difference between the carrying amount of
foreclosed collateral and the proceeds from the
sale of such collateral is recorded as gain or loss
at the time of sale.
Menajemen mengevaluasi nilai agunan yang
diambil alih secara berkala. Cadangan kerugian
penurunan nilai agunan yang diambil alih dibentuk
atas penurunan nilai agunan yang diambil alih.
Management evaluates the value of foreclosed
collateral periodically. Allowance for impairment
losses on foreclosed collateral is presented as a
reduction of foreclosed collateral.
Bila terjadi penurunan nilai yang bersifat
permanen, maka nilai tercatatnya dikurangi untuk
mengakui penurunan tersebut dan kerugiannya
dibebankan pada laba rugi.
The carrying amount of foreclosed collateral is
written down to recognize a permanent decline in
the value of the foreclosed collateral, which is
charged to current operations.
x. Liabilitias Segera x. Liabilities Payable Immediately
Liabilitas segera merupakan liabilitas Bank kepada pihak lain yang sifatnya wajib segera dibayarkan sesuai dengan perintah pemberi amanat perjanjian yang ditetapkan sebelumnya. Liabilitas segera diklasifikasikan sebagai liabilitas keuangan dengan biaya perolehan diamortisasi.
Liabilities payable immediately represent obligation to third parties, based on contract or orders by those having authority that should be settled immediately. These are classified as financial liabilities at amortized cost.
Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan liabilitas segera mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.
Recognition, initial measurement, subsequent measurement, reclassification, fair value measurement and derecognition of liabilities payable immediately are discussed in Notes 3f, 3g and 3i related to financial liabilities.
y. Simpanan y. Deposits
Simpanan diklasifikasikan dalam kategori liabilitas keuangan diukur pada biaya perolehan diamortisasi.
Deposits are classified as financial liabiities at amortized cost.
Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan simpanan mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.
Recognition, initial measurement, subsequent measurement, reclassification, fair value measurement and derecognition of deposits are discussed in Notes 3f, 3g and 3i related to financial liabilities.
z. Simpanan dari Bank Lain z. Deposits from Other Banks
Simpanan dari bank lain diklasifikasikan dalam kategori liabilitas keuangan diukur pada biaya perolehan diamortisasi.
Deposits from other banks are classified as financial liabilities at amortized cost.
Simpanan dari bank lain terdiri dari liabilitas terhadap bank lain, baik local maupun luar negeri, dalam bentuk giro, inter-bank call money dengan periode jatuh tempo menurut perjanjian kurang dari atau 90 hari, tabungan dan deposito berjangka.
Deposits from other banks represent liabilities to domestic and overseas banks, in the form of demand deposits, inter-bank call money deposits with original maturities of 90 days or less, savings deposits and time deposits.
Pengakuan, pengukuran awal, pengukuran setelah pengakuan awal, reklasifikasi, penentuan nilai wajar dan penghentian pengakuan simpanan dari bank lain mengacu pada Catatan 3f, 3g dan 3i terkait liabilitas keuangan.
Recognition, initial measurement, subsequent measurement, reclassification, fair value measurement and derecognition of deposits from other banks are discussed in Notes 3f, 3g and 3i related to financial liabilities.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 33 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
aa. Efek yang Dijual dengan Janji Dibeli Kembali aa. Securities Sold with Agreements to Repurchase
Efek yang dijual dengan janji dibeli kembali (repo) diklasifikasikan dalam kategori liabililtas keuangan diukur pada biaya perolehan diamortisasi.
Securities sold with agreements to repurchase (repo) are classified as financial liabilities at amortized costs.
Efek-efek yang dijual dengan janji dibeli kembali (repo) disajikan sebagai liabilitas sebesar harga pembelian kembali yang disepakati dikurangi selisih antara harga jual dan harga pembelian kembali yang disepakati. Selisih antara harga jual dan harga pembelian kembali yang disepakati tersebut diamortisasi dengan menggunakan metode suku bunga efektif sebagai beban bunga selama jangka waktu sejak efek-efek tersebut dijual hingga saat dibeli kembali.
Securities sold under repurchase agreements (repo) are presented as liabilities and stated at the agreed repurchase price less the difference between the selling price and agreed repurchase price. The difference between the selling price and agreed repurchase price is amortized using effective interest method as interest expense over the year commencing from the selling date to the repurchase date.
Pengakuan, pengukuran awal, pengukuran setelah
pengakuan awal, reklasifikasi, penentuan nilai
wajar dan penghentian pengakuan efek yang dijual
dengan janji dibeli kembali mengacu pada Catatan
3f, 3g dan 3i terkait liabilitas keuangan.
Recognition, initial measurement, subsequent
measurement, reclassification, fair value
measurement and derecognition of securities sold
with agreements to repurchase refer to Notes 3f, 3g
and 3i related to financial liabilities.
bb. Pengakuan Pendapatan dan Beban Bunga bb. Recognition of Interest Revenues and Expenses
Pendapatan dan beban bunga diakui secara akrual
menggunakan metode suku bunga efektif (Catatan
3e).
Interest income and expenses are recognized on
an accrual basis using the effective interest
method (Note 3e).
Pendapatan kredit yang mengalami penurunan nilai
dihitung menggunakan suku bunga efektif atas
dasar nilai kredit setelah memperhitungkan
kerugian penurunan nilai.
Interest income from impaired loans are
computed using the effective interest method
based on the amount of loan, net of impairment
loss.
Pendapatan dan beban bunga yang diakui dalam
laporan keuangan termasuk:
Interest income and expense recognized in the
financial statements include:
Bunga pada aset dan liabilitas keuangan pada
biaya perolehan diamortisasi yang dihitung
menggunakan suku bunga efektif.
Interest on financial assets and liabilities
measured at amortized cost using the effective
interest method.
Bunga pada instrumen sekuritas investasi
tersedia untuk dijual dihitung menggunakan
suku bunga efektif.
Interest on available-for-sale investment
securities computed using the effective
interest method.
Perubahan nilai wajar pada efek-efek yang
diklasifikasikan sebagai diperdagangkan diukur
pada nilai wajar pada laba rugi dan derivatif
lainnya yang digunakan untuk kepentingan
manajemen risiko, dan aset dan liabilitas keuangan
lainnya yang diukur pada nilai wajar melalui laba
rugi, akan mempengaruhi laporan laba rugi dan
penghasilan komprehensif lain.
Changes in fair value of trading securities
measured at fair value through profit or loss and
other derivatives used for risk management
purposes, and other financial assets and
liabilities measured at fair value through profit
and loss will affect the statement of profit loss
and other comprehensive income.
cc. Pengakuan Pendapatan dan Beban Provisi dan
Komisi
cc. Recognition of Revenues and Expenses on
Commissions and Fees
Pendapatan provisi dan komisi yang berkaitan
langsung dengan kegiatan perkreditan atau jangka
waktu tertentu yang jumlahnya signifikan
ditangguhkan dan diamortisasi sesuai dengan
jangka waktunya dengan menggunakan metode
suku bunga efektif.
Commissions and fees income related to loan
activities or specific terms and with significant
amounts are treated as deferred transaction costs
which are directly attributable to the financial
instruments and amortized over the periods of the
related financial instruments using the effective
interest method.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 34 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
cc. Pengakuan Pendapatan dan Beban Provisi dan
Komisi (lanjutan)
cc. Recognition of Revenues and Expenses on
Commissions and Fees (continued)
Provisi dan komisi yang tidak berkaitan dengan
kegiatan perkreditan dan jangka waktu tertentu
atau nilainya tidak material menurut Bank diakui
sebagai pendapatan atau beban pada saat terjadinya
transaksi.
Commissions and fees, which are not related to
loan activities and terms of the loan or whose
amount is not material according to the Bank’s
policies are recognized as revenues or expenses at
the time the transactions are made.
dd. Program Pensiun dan Imbalan Pasca Kerja
Lainnya
dd. Pension plan and Other Post- employment
Benefits
Program Iuran Pasti Defined Contribution Plan
Pembayaran kepada program dana pensiun pasti
dibebankan pada saat jatuh tempo. Pembayaran
kepada program dana pensiun didasarkan pada
iuran pasti tertentu yang ditentukan program.
Payments made to defined contribution plan are
charged as an expense as they fall due. Payments
made to pension plan are dealt with as payments
to defined contribution plan.
Program Imbalan Pasti Defined Benefits Plan
Bank juga memberikan imbalan pasca kerja
imbalan pasti untuk karyawan sesuai dengan
Undang-undang Ketenagakerjaan No. 13/2003.
Tidak terdapat pendanaan yang disisihkan
sehubungan dengan imbalan pasca-kerja ini.
In addition, the Bank provides defined benefit
post-employment benefits to its employees in
accordance with Labor Law No. 13/2003. No
funding has been made to this post-employment
benefits.
Biaya penyediaan imbalan ditentukan dengan
menggunakan metode Projected Unit Credit
dengan penilaian aktuaria yang dilakukan pada
setiap akhir periode pelaporan tahunan.
Pengukuran kembali, terdiri dari keuntungan dan
kerugian aktuarial, perubahan dampak batas atas
aset (jika ada) dan dari imbal hasil atas aset
program (tidak termasuk bunga), yang tercermin
langsung dalam laporan posisi keuangan yang
dibebankan atau dikreditkan dalam penghasilan
komprehensif lain periode terjadinya. Pengukuran
kembali diakui dalam penghasilan komprehensif
lain dan disajikan sebagai pos terpisah pada ekuitas
dan tidak akan direklas ke laba rugi. Biaya jasa lalu
diakui dalam laba rugi pada periode amandemen
program. Bunga neto dihitung dengan mengalikan
tingkat diskonto pada awal periode imbalan pasti
dengan liabilitas atau aset imbalan pasti neto.
Biaya imbalan pasti dikategorikan sebagai berikut:
The cost of providing benefits is determined using
the projected unit credit method, with actuarial
valuations being carried out at the end of each
annual reporting period. Remeasurement,
comprising actuarial gains and losses, the effect
of the changes to the asset ceiling (if applicable)
and the return on plan assets (excluding interest),
is reflected immediately in the statement of
financial position with a charge or credit
recognized in other comprehensive income in the
period in which they occur. Remeasurement
recognised in other comprehensive income is
reflected as a separate item under other
comprehensive income in equity and will not
reclassified to profit or loss. Past service cost is
recognised in profit or loss in the period of a plan
amendment. Net interest is calculated by applying
the discount rate at the beginning of the period to
the net defined benefit liability or asset. Defined
benefit costs are categorised as follows:
Biaya jasa (termasuk biaya jasa kini, biaya
jasa lalu serta keuntungan dan kerugian
kurtailmen dan penyelesaian)
Service cost (including current service cost,
past service cost, as well as gains and losses
on curtailments and settlements)
Beban atau pendapatan bunga neto Net interest expense or income
Pengukuran kembali Remeasurement
Bank menyajikan dua komponen pertama dari
biaya imbalan pasti di laba rugi. Keuntungan dan
kerugian kurtailmen dicatat sebagai biaya jasa lalu.
The Bank presents the first two components of
defined benefit costs in profit or loss. Curtailment
gains and losses are accounted for as past service
costs.
Liabilitas imbalan pensiun yang diakui pada
laporan posisi keuangan merupakan defisit aktual
dalam program imbalan pasti Bank.
The retirement benefit obligation recognised in
the statements of financial position represents the
actual deficit in the Bank’s defined benefit plan.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 35 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
dd. Program Pensiun dan Imbalan Pasca Kerja
Lainnya (lanjutan)
dd. Pension plan and Other Post- employment
Benefits (continued)
Program Imbalan Pasti (lanjutan) Defined Benefits Plan (continued)
Liabilitas untuk pesangon diakui mana yang terjadi
lebih dulu ketika entitas tidak dapat lagi menarik
tawaran imbalan tersebut dan ketika entitas
mengakui biaya restrukturisasi terkait.
A liability for a termination benefit is recognised
at the earlier of when the entity can no longer
withdraw the offer of the termination benefit and
when the entity recognises any related
restructuring costs.
Imbalan kerja jangka panjang lainnya Other long-term benefits
Bank memberikan penghargaan masa kerja kepada
karyawan yang memenuhi persyaratan.
The Bank also provides long service award for all
qualified employees.
Perhitungan imbalan kerja jangka panjang lainnya
ditentukan dengan menggunakan metode Projected
Unit Credit. Jumlah diakui sebagai provisi untuk
imbalan kerja jangka panjang lainnya di laporan
posisi keuangan adalah nilai kini kewajiban
imbalan pasti.
The cost of providing other long-term benefits is
determined using the Projected Unit Credit
Method. The provision for long-term employee
benefits recognized in the statements of financial
position represents the present value of the
defined benefits obligation.
ee. Pajak Penghasilan ee. Income Tax
Beban pajak penghasilan merupakan jumlah pajak
yang terutang dan pajak tangguhan.
Income tax expense represents the sum of the tax
currently payable and deferred tax.
Pajak kini terutang berdasarkan laba kena pajak
untuk suatu tahun. Laba kena pajak berbeda dari
laba sebelum pajak seperti yang dilaporkan dalam
laporan laba rugi dan penghasilan komprehensif
lain karena pos pendapatan atau beban yang
dikenakan pajak atau dikurangkan pada tahun
berbeda dan pos-pos yang tidak pernah dikenakan
pajak atau tidak dapat dikurangkan.
The tax currently payable is based on taxable
profit for the year. Taxable profit differs from
profit before tax as reported in the statements of
profit or loss and other comprehensive income
because of items of income or expense that are
taxable or deductible in other years and items that
are never taxable or deductible.
Beban pajak kini ditentukan berdasarkan laba kena
pajak dalam periode yang bersangkutan yang
dihitung berdasarkan tarif pajak yang berlaku.
Current tax expense is determined based on the
taxable income for the year computed using
prevailing tax rates.
Pajak tangguhan diakui atas perbedaan temporer
antara jumlah tercatat aset dan liabilitas dalam
laporan keuangan dengan dasar pengenaan pajak
yang digunakan dalam perhitungan laba kena
pajak. Liabilitas pajak tangguhan umumnya diakui
untuk seluruh perbedaan temporer kena pajak. Aset
pajak tangguhan umumnya diakui untuk seluruh
perbedaan temporer yang dapat dikurangkan
sepanjang kemungkinan besar bahwa laba kena
pajak akan tersedia sehingga perbedaan temporer
dapat dimanfaatkan. Aset dan liabilitas pajak
tangguhan tidak diakui jika perbedaan temporer
timbul dari pengakuan awal (selain dari kombinasi
bisnis) dari aset dan liabilitas suatu transaksi yang
tidak mempengaruhi laba kena pajak atau laba
akuntansi. Selain itu, liabilitas pajak tangguhan
tidak diakui jika perbedaan temporer timbul dari
pengakuan awal goodwill.
Deferred tax is recognized on temporary
differences between the carrying amounts of
assets and liabilities in the financial statements
and the corresponding tax bases used in the
computation of taxable profit. Deferred tax
liabilities are generally recognized for all taxable
temporary differences. Deferred tax assets are
generally recognized for all deductible temporary
differences to the extent that is probable that
taxable profits will be available against which
those deductible temporary differences can be
utilized. Such deferred tax assets and liabilities
are not recognized if the temporary differences
arises from the initial recognition (other than in
business combination) of assets and liabilities in a
transaction that affects neither the taxable profit
nor the accounting profit. In addition, deferred
tax liabilities are not recognized if the temporary
differences arises from the initial recognition of
goodwill.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 36 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
ee. Pajak Penghasilan (lanjutan) ee. Income Tax (continued)
Aset dan liabilitas pajak tangguhan diukur dengan
menggunakan tarif pajak yang diharapkan berlaku
dalam periode ketika liabilitas diselesaikan atau
aset dipulihkan dengan tarif pajak (dan peraturan
pajak) yang telah berlaku atau secara substantif
telah berlaku pada akhir periode pelaporan.
Deferred tax assets and liabilities are measured at
the tax rates that are expected to apply in the
period in which the liability is settled or the asset
realized, based on the tax rates (and tax laws) that
have been enacted, or substantively enacted, by
the end of the reporting period.
Pengukuran aset dan liabilitas pajak tangguhan
mencerminkan konsekuensi pajak yang sesuai
dengan cara Bank memperkirakan, pada akhir
periode pelaporan, untuk memulihkan atau
menyelesaikan jumlah tercatat aset dan
liabilitasnya.
The measurement of deferred tax assets and
liabilities reflects the consequences that would
follow from the manner in which the Bank
expects, at the end of the reporting period, to
recover or settle the carrying amount of their
assets and liabilities
Jumlah tercatat aset pajak tangguhan ditelaah ulang
pada akhir periode pelaporan dan dikurangi jumlah
tercatatnya jika kemungkinan besar laba kena
pajak tidak lagi tersedia dalam jumlah yang
memadai untuk mengkompensasikan sebagian atau
seluruh aset pajak tangguhan tersebut.
The carrying amount of deferred tax asset is
reviewed at the end of each reporting period and
reduced to the extent that it is no longer probable
that sufficient taxable profits will be available to
allow all or part of the asset to be recovered.
Pajak kini dan pajak tangguhan diakui sebagai
beban atau penghasilan dalam laba rugi periode
berjalan, kecuali sepanjang pajak penghasilan yang
timbul dari transaksi atau peristiwa yang diakui,
diluar laba rugi (baik dalam penghasilan
komprehensif lain maupun secara langsung di
ekuitas), dalam hal tersebut pajak juga diakui di
luar laba rugi atau yang timbul dari akuntansi awal
kombinasi bisnis. Dalam hal kombinasi bisnis,
pengaruh pajak termasuk dalam akuntansi
kombinasi bisnis.
Current and deferred tax are recognized as an
expense or income in profit or loss, except when
they relate to items that are recognized outside of
profit or loss (whether in other comprehensive
income or directly in equity), in which case the tax
is also recognized outside of profit or loss, or
where they arise from the initial accounting for a
business combination. In the case of a business
combination, the tax effect is included in the
accounting for the business combination.
Aset dan liabilitas pajak tangguhan saling hapus
ketika entitas memiliki hak yang dapat dipaksakan
secara hukum untuk melakukan saling hapus aset
pajak kini terhadap liabilitas pajak kini dan ketika
aset pajak tangguhan dan liabilitas pajak
tangguhan terkait dengan pajak penghasilan yang
dikenakan oleh otoritas perpajakan yang sama atas
entitas kena pajak yang sama atau entitas kena
pajak yang berbeda yang memiliki intensi untuk
memulihkan aset dan liabilitas pajak kini dengan
dasar neto, atau merealisasikan aset dan
menyelesaikan liabilitas secara bersamaan, pada
setiap periode masa depan dimana jumlah
signifikan atas aset atau liabilitas pajak tangguhan
diharapkan untuk diselesaikan atau dipulihkan.
Deferred tax assets and liabilities are offset when
there is legally enforceable right to set off current
tax assets against current tax liabilities and when
they relate to income taxes levied by the same
taxation authority on either the same taxable
entity or different taxable entities when there is an
intention to settle its current tax assets and
current tax liabilities on a net basis, or to realize
the assets and settle the liabilities simultaneously,
in each future period in which significant amounts
of deferred tax liabilities or assets are expected to
be settled or recovered.
ff. Laba (Rugi) per Saham ff. Earnings (Loss) per Share
Laba (rugi) per saham dasar dihitung dengan
membagi laba (rugi) bersih yang diatribusikan
kepada pemilik entitas induk dengan jumlah rata-
rata tertimbang saham yang beredar pada periode
yang bersangkutan.
Basic earnings (loss) per share is computed by
dividing net income (loss) attributable to the
owners of the Bank by the weighted average
number of shares outstanding during the period.
Laba (rugi) per saham dilusian dihitung dengan
membagi laba (rugi) bersih yang diatribusikan
kepada pemilik entitas induk dengan jumlah rata-
rata tertimbang saham biasa yang telah disesuaikan
dengan dampak dari semua efek berpotensi saham
biasa yang dilutif.
Diluted earnings (loss) per share is computed by
dividing net income (loss) attributable to the
owners of the Bank by the weighted average
number of shares outstanding as adjusted for the
effects of all dilutive potential ordinary shares.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 37 -
3. IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING (lanjutan)
3. SUMMARY OF SIGNIFICANT ACCOUNTING
POLICIES (continued)
gg. Informasi Segmen gg. Segment Information
Segmen operasi diidentifikasi berdasarkan laporan
internal mengenai komponen dari Bank yang
secara regular di-riview oleh “pengambil
keputusan operasional” dalam rangka
mengalokasikan sumber daya dan menilai kinerja
segmen operasi.
Operating segments are identified on the basis of
internal reports about components of the Bank
that are regularly reviewed by the chief operating
decision maker in order to allocate resources to
the segments and to assess their performances.
Segmen operasi adalah suatu komponen dari
entitas:
An operating segments is a component of an
entity:
a) yang terlibat dalam aktivitas bisnis yang mana
memperoleh pendapatan dan menimbulkan
beban (termasuk pendapatan dan beban terkait
dengan transaksi dengan komponen lain dari
entitas yang sama);
a) that engages in business activities from
which it may earn revenues and incur
expenses (including revenues and expenses
relating to the transactions with other
components of the same entity);
b) yang hasil operasinya dikaji ulang secara
regular oleh pengambil keputusan operasional
untuk membuat keputusan tentang sumber
daya yang dialokasikan pada segmen tersebut
dan menilai kinerjanya; dan
b) whose operating results are reviewed
regularly by the entity’s chief operating
decision maker to make decision about
resources to be allocated to the segments
and assess its performance; and
c) dimana tersedia informasi keuangan yang
dapat dipisahkan.
c) for which discrete financial information is
available.
Informasi yang digunakan oleh pengambil
keputusan operasional dalam rangka alokasi
sumber daya dan penilaian kinerja mereka
terfokus pada kategori dari setiap produk.
Information reported to the chief operating
decision maker for the purpose of resources
allocation and assessment of performance is
more specifically focused on the category of each
product.
4. PERTIMBANGAN KRITIKAL AKUNTANSI DAN
SUMBER ESTIMASI KETIDAKPASTIAN 4. CRITICAL ACCOUNTING JUDGMENTS AND KEY
SOURCES OF ESTIMATION UNCERTAINTY
Dalam penerapan kebijakan akuntansi Bank, yang
dijelaskan dalam Catatan 3, manajemen diwajibkan
untuk membuat pertimbangan, estimasi dan asumsi
tentang jumlah tercatat aset dan liabilitas yang tidak
tersedia dari sumber lain. Estimasi dan asumsi yang
terkait didasarkan pada pengalaman historis dan faktor-
faktor lain yang dianggap relevan. Hasil aktualnya
mungkin berbeda dari estimasi tersebut.
In the application of the Bank accounting policies,
which are described in Note 3, the management is
required to make judgments, estimates and assumptions
about the carrying amounts of assets and liabilities that
are not readily apparent from other sources. The
estimates and associated assumptions are based on
historical experience and other factors that are
considered to be relevant. Actual results may differ from
these estimates.
Estimasi dan asumsi yang mendasari ditelaah secara
berkelanjutan. Revisi estimasi akuntansi diakui dalam
periode dimana estimasi tersebut direvisi jika revisi
hanya mempengaruhi periode tersebut, atau pada periode
revisi dan periode masa depan jika revisi mempengaruhi
periode saat ini dan masa depan.
The estimates and underlying assumptions are reviewed
on an ongoing basis. Revisions to accounting estimates
are recognized in the period in which the estimates are
revised if the revision affects only that period, or in the
period of the revision and future periods if the revision
affects both current and future periods.
Pertimbangan Kritikal dalam Penerapan Kebijakan Akuntansi
Critical Judgments in Applying Accounting Policies
Di bawah ini adalah pertimbangan kritikal, selain dari estimasi yang telah diatur, dimana manajemen telah membuat suatu proses penerapan kebijakan akuntansi Bank dan memiliki pengaruh paling signifikan terhadap jumlah yang diakui dalam laporan keuangan.
Below are the critical judgments, apart from those involving estimations, that the management has made in the process of applying the Bank’s accounting policies and that have the most significant effect on the amounts recognized in the financial statements.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 38 -
4. PERTIMBANGAN KRITIKAL AKUNTANSI DAN SUMBER ESTIMASI KETIDAKPASTIAN (lanjutan)
4. CRITICAL ACCOUNTING JUDGMENTS AND KEY SOURCES OF ESTIMATION UNCERTAINTY (continued)
Aset Keuangan Dimiliki hingga Jatuh Tempo Held-to-maturity (HTM) Financial Assets
Klasifikasi atas aset keuangan dimiliki hingga jatuh tempo memerlukan pertimbangan yang signifikan. Dalam membuat pertimbangan tersebut, Bank mengevaluasi tujuan dan kemampuan untuk memiliki suatu investasi hingga jatuh tempo. Jika Bank tidak dapat menjaga investasinya hingga jatuh tempo selain dalam kondisi tertentu - contohnya, menjual sekuritas dengan nilai tidak signifikan pada waktu yang mendekati jatuh tempo - hal ini mengharuskan reklasifikasi seluruh portofolio menjadi investasi tersedia untuk dijual. Investasi tersebut selanjutnya akan diukur pada nilai wajar dan bukan pada biaya perolehan diamortisasi.
The classificiation to HTM financial assets requires significant judgment. In making this judgment, the Bank evaluates its intention and ability to hold such investments to maturity. If the Bank fails to keep these investments to maturity other than in certain specific circumstances - for example, selling an insignificant amount close to maturity - it will be required to reclasify the entire portfolio as AFS investments. The investments would therefore be measured at fair value and not at amortized cost.
Jumlah tercatat atas sekuritas dimiliki hingga jatuh tempo diungkapkan dalam Catatan 9.
The carrying amount of HTM is disclosed in Note 9.
Sumber Estimasi Ketidakpastian Key Sources of Estimation Uncertainty
Asumsi utama mengenai masa depan dan sumber estimasi ketidakpastian utama lainnya pada akhir periode pelaporan, yang memiliki risiko signifikan yang mengakibatkan penyesuaian material terhadap jumlah tercatat aset dan liabilitas dalam periode pelaporan berikutnya dijelaskan dibawah ini:
The key assumptions concerning future and other key sources of estimation uncertainty at the end of the reporting period, that may have a significant risk of causing a material adjustment to the carrying amounts of assets and liabilities within the next financial period are discussed below:
Rugi penurunan nilai aset keuangan Impairment loss on financial assets
Bank menilai penurunan nilai aset keuangan pada setiap tanggal pelaporan. Dalam menentukan apakah rugi penurunan nilai harus dicatat dalam laba rugi, manajemen membuat penilaian, apakah terdapat bukti obyektif bahwa kerugian telah terjadi. Suatu aset keuangan dinyatakan mengalami penurunan nilai bila ada bukti obyektif terjadinya peristiwa yang berdampak pada estimasi arus kas atas aset keuangan. Bukti tersebut meliputi data yang dapat diobservasi yang menunjukkan bahwa telah terjadi peristiwa yang merugikan dalam status pembayaran debitur atau kondisi ekonomi nasional atau lokal yang berkorelasi dengan kelalaian membayar piutang.
The Bank assesses its financial assets at each reporting date. In determining whether the impairment loss should be recorded in profit or loss, management makes judgement as to whether there is objective evidence that loss event has occured. Financial assets are considered to be impaired when there is objective evidence that, as a result of one or more events that occurred after the initial recognition of the financial asset, the estimated future cash flows of the financial assets have been affected. The evidence includes observable data which indicates that an adverse event has occurred in the payment status of borrowers or in the national or local economic conditions that correlate with the omission of payment of receivables.
Cadangan kerugian penurunan nilai akan dibentuk untuk mengakui kerugian penurunan nilai yang terjadi dalam portofolio aset keuangan. Manajemen menggunakan perkiraan berdasarkan pengalaman kerugian historis untuk aset dengan karakteristik risiko kredit dan bukti obyektif adanya penurunan nilai yang serupa dengan yang ada dalam portofolio pada saat penjadwalan arus kas masa depan.
Provision for loss on impairment will be set up to recognize the impairment loss that occurs in a portfolio of financial assets. Management uses estimates based on historical loss experience for assets with credit risk characteristics and objective evidence of impairment similar to those in the portfolio when scheduling the future cash flows.
Manajemen juga membuat penilaian atas metodologi dan
asumsi untuk memperkirakan jumlah dan waktu arus kas
masa depan yang di-review secara berkala untuk
mengurangi perbedaan antara estimasi kerugian dan
kerugian aktualnya.
Management also makes judgement as to the
methodology and assumptions for estimating the amount
and timing of future cash flows which are reviewed
regularly to reduce any difference between loss estimate
and actual loss.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 39 -
4. PERTIMBANGAN KRITIKAL AKUNTANSI DAN SUMBER ESTIMASI KETIDAKPASTIAN (lanjutan)
4. CRITICAL ACCOUNTING JUDGMENTS AND KEY SOURCES OF ESTIMATION UNCERTAINTY (continued)
Rugi penurunan nilai aset keuangan (lanjutan) Impairment loss on financial assets (continued)
Bank melakukan penilaian terhadap penurunan nilai
dalam dua cara, yaitu:
The Bank performs assessment of the impairment
amounts in two ways, namely:
a. Individual, dilakukan untuk jumlah aset keuangan
yang melebihi ambang batas (threshold) tertentu
dan aset keuangan yang memiliki bukti obyektif
penurunan nilai yang telah teridentifikasi secara
terpisah pada tanggal laporan posisi keuangan.
Kerugian penurunan nilai adalah selisih antara nilai
tercatat dan nilai kini dari estimasi terbaik atas arus
kas masa depan dan realisasi agunan pada tingkat
suku bunga efektif awal dari aset keuangan
tersebut. Estimasi ini dilakukan dengan
mempertimbangkan kapasitas utang dan
fleksibilitas keuangan debitur, kualitas pendapatan
debitur, jumlah dan sumber arus kas, industri di
mana debitur beroperasi dan nilai realisasi agunan.
Estimasi jumlah dan waktu pemulihan masa depan
akan membutuhkan banyak pertimbangan. Jumlah
penerimaan tergantung pada kinerja debitur pada
masa mendatang dan nilai agunan, keduanya akan
dipengaruhi oleh kondisi ekonomi di masa depan,
di samping itu agunan mungkin tidak mudah
dijual. Nilai aktual arus kas masa depan dan
tanggal penerimaan mungkin berbeda dari estimasi
tersebut dan akibatnya kerugian aktual yang terjadi
mungkin berbeda dengan yang diakui dalam
laporan keuangan.
a. Individually, made to the amount of financial
assets that exceed certain threshold and to
certain financial assets that have objective
evidence that impairment has been identified
separately on the date of statement of financial
position. Impairment loss is the difference
between the carrying amount and the present
value of the best estimated future cash flows and
realization of collateral at the initial effective
interest rates of financial assets. The estimates
are made by considering the debt capacity and
financial flexibility of the debtor, debtor's
earnings quality, quantity and source of cash
flows, industry in which the debtor operates and
realizable value of collateral. Estimating the
amount and timing of future recovery will require
a lot of considerations. The amount of revenue
depends on the performance of the debtor in the
future and the value of collateral, both of which
will be affected by future economic conditions, in
addition to the fact that the collateral may not be
easily sold. The actual value and date of receipt
of future cash flows may differ from the estimates
and as a result, actual loss which occurs may be
different from the amount recognized in the
financial statements.
b. Kolektif, dilakukan untuk jumlah aset keuangan
yang tidak melebihi ambang batas (threshold)
tertentu, tidak memiliki bukti obyektif penurunan
nilai dan aset keuangan yang memiliki bukti
obyektif penurunan nilai, namun belum
diidentifikasi secara terpisah pada tanggal laporan
posisi keuangan. Pembentukan kerugian penurunan
nilai dilakukan secara kolektif dengan antara lain
memperhitungkan jumlah dan lamanya tunggakan,
agunan dan pengalaman kerugian masa lalu. Faktor
paling penting dalam pembentukan cadangan
adalah probability of default dan loss given default.
Kualitas aset keuangan pada masa mendatang
dipengaruhi oleh ketidakpastian yang dapat
menyebabkan kerugian aktual aset keuangan dapat
berbeda secara material dari cadangan kerugian
penurunan nilai yang telah dibentuk.
Ketidakpastian ini termasuk lingkungan ekonomi,
suku bunga dan pengaruhnya terhadap
pembelanjaan debitur, tingkat pengangguran dan
perilaku pembayaran.
b. Collectively, made to the amount of financial
assets that do not exceed certain threshold and do
not have objective evidence of impairment when
assessed individually, and to the financial assets
that have objective evidence of impairment but
has not been identified separately on the date of
statement of financial position. Establishment of
collective impairment loss is made by, among
others, taking into account the number and
duration of arrears, collateral and past loss
experience. The most important factors in
establishing reserves are the probability of
default and the loss given default. The quality of
financial assets in the future is affected by
uncertainties that could cause actual loss on
financial assets, which may differ materially from
the impairment loss reserves that have been
established. These uncertainties include the
economic environment, interest rates and the
effect on spending of the debtor, unemployment
rate and payment behavior.
Manfaat Karyawan Employee Benefits
Penentuan liabilitas imbalan kerja tergantung pada
pemilihan asumsi tertentu yang digunakan oleh aktuaris
dalam menghitung jumlah liabilitas tersebut. Asumsi
tersebut termasuk antara lain tingkat diskonto dan tingkat
kenaikan gaji.
Determination of liability for employee benefits depends
on the selection of certain assumptions used by
actuaries in calculating the amount of such liability.
These assumptions include, among others, the discount
rate and the rate of increase in salaries.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 40 -
4. PERTIMBANGAN KRITIKAL AKUNTANSI DAN SUMBER ESTIMASI KETIDAKPASTIAN (lanjutan)
4. CRITICAL ACCOUNTING JUDGMENTS AND KEY SOURCES OF ESTIMATION UNCERTAINTY (continued)
Manfaat Karyawan (lanjutan) Employee Benefits (continued)
Realisasi yang berbeda dari asumsi Bank diakui langsung dalam penghasilan komprehensif lain dan akibatnya akan berpengaruh terhadap jumlah penghasilan komprehensif lain serta liabilitas yang diakui di tahun berjalan. Walaupun asumsi Bank dianggap tepat dan wajar, namun perubahan signifikan pada kenyataannya atau perubahan signifikan dalam asumsi yang digunakan dapat berpengaruh secara signifikan terhadap liabilitas imbalan pasca kerja Bank.
Different realization of the Bank’s assumptions is directly recognized in other comprehensive income and therefore, generally recognized amount of other comprehensive income and recorded obligation in the period in which they occur. Although the assumptions used by the Bank are assessed to be appropriate and fair, significant changes in the assumptions used can significantly affect the Bank's employee benefits liability.
Taksiran Masa Manfaat Ekonomis Aset Tetap Estimated Useful Lives of Premises and Equipment
Masa manfaat setiap aset tetap Bank ditentukan
berdasarkan kegunaan yang diharapkan dari aset
tersebut. Estimasi ini ditentukan berdasarkan evaluasi
teknis internal dan pengalaman atas aset sejenis. Masa
manfaat setiap aset di-review secara periodik dan
disesuaikan apabila perkiraan berbeda dengan estimasi
sebelumnya karena keausan, keusangan teknis dan
komersial, hukum atau keterbatasan lainnya atas
pemakaian aset. Namun terdapat kemungkinan bahwa
hasil operasi dimasa mendatang dapat dipengaruhi secara
signifikan oleh perubahan atas jumlah serta periode
pencatatan biaya yang diakibatkan karena perubahan
faktor yang disebutkan di atas.
The useful life of each item of the Bank’s premises and
equipment are estimated based on the period over which
the asset is expected to be available for use. Such
estimation is based on internal technical evaluation and
experience with similar assets. The estimated useful life
of each asset is reviewed periodically and updated if
expectations differ from previous estimates due to
physical wear and tear, technical or commercial
obsolescence and legal or other limits on the use of the
asset. It is possible, however, that future results of
operations could be materially affected by changes in
the amounts and timing of recorded expenses brought
about by changes in the factors mentioned above.
Perubahan masa manfaat aset tetap dapat mempengaruhi
jumlah biaya penyusutan yang diakui dan penurunan
nilai tercatat aset tersebut.
A change in the estimated useful life of any item of
premises and equipment would affect the recorded
depreciation expense and decrease in the carrying
values of these assets.
Nilai tercatat aset tetap diungkapkan dalam
Catatan 14.
The carrying amounts of premises and equipment are
disclosed in Note 14.
Aset Pajak Tangguhan yang Dapat Direalisasikan Realizability of Deferred Tax Assets
Nilai tercatat aset pajak tangguhan di-riview pada setiap
akhir periode pelaporan dan berkurang sepanjang tidak
terdapat kemungkinan bahwa laba kena pajak yang
memadai dan tersedia yang memungkinkan seluruh atau
sebagian aset pajak tangguhan dapat digunakan. Aset
pajak tangguhan tergantung pada ekspektasi manajemen
bahwa laba kena pajak di masa mendatang akan tersedia
sehingga rugi fiskal tersebut dapat digunakan. Hasil dari
penggunaan aktual mungkin berbeda. Namun tidak ada
jaminan bahwa laba kena pajak yang memadai akan
dihasilkan yang memungkinkan seluruh atau sebagian
aset pajak tangguhan dapat digunakan. Nilai tercatat aset
pajak tangguhan diungkapkan pada Catatan 32.
The carrying amount of deferred tax assets is reviewed
at end of each reporting period and reduced to the
extent that it is no longger probable that sufficient
taxable profit will be available to allow all or part of the
deferred tax assets to be utilized. The deferred tax assets
depend on management’s expectation of future taxable
profit that losses can be utilized. The outcome of their
actual utilization may be different. However, there is no
assurance that sufficient taxable profit will be generated
to allow all or part of the deferred tax assets to be
utilized. The carrying amounts of deferred tax assets are
disclosed in Note 32.
5. KAS 5. CASH
2018 2017
Rupiah 169.261 119.530 Rupiah
Dollar Amerika Serikat 2.993 1.809 United States Dollar
Dollar Singapura 953 430 Singapore Dollar
Jumlah 173.207 121.769 Total
Saldo kas termasuk uang pada mesin ATM (Automated Teller Machines) sejumlah Rp 13.095 dan Rp 16.827 masing-masing pada tanggal 31 Desember 2018 dan 2017.
Cash includes cash in ATMs (Automated Teller Machines) amounting to Rp 13,095 and Rp 16,827 as of December 31, 2018 and 2017, respectively.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 41 -
6. GIRO PADA BANK INDONESIA 6. DEMAND DEPOSITS WITH BANK INDONESIA
2018 2017
Rupiah 339.869 523.792 Rupiah
Dollar Amerika Serikat 69.024 80.048 United States Dollar
Jumlah 408.893 603.840 Total
Rasio GWM pada tanggal 31 Desember 2018 dihitung berdasarkan Peraturan Anggota Dewan Gubernur No. 20/30/PADG/2018 tanggal 30 November 2018 tentang “Perubahan atas peraturan anggota dewan gubernur No. 20/10/PADG/2018 tentang Giro Wajib Minimum dalam rupiah dan valuta asing bagi Bank Umum Konvensional, Bank Umum Syariah dan Unit Usaha Syariah”, sedangkan rasio Penyangga Likuiditas Makroprudensial (PLM) dihitung berdasarkan Peraturan Bank Indonesia (PBI) No. 20/4/PBI/2018 tangal 29 Maret 2018 tentang “Rasio Intermediasi Makroprudensial dan Penyangga Likuiditas Makroprudensial bagi Bank Umum Konvensional, Bank Umum Syariah, dan Unit Usaha Syariah”, yang mengatur perubahan istilah GWM sekunder menjadi PLM dan GWM Loan to Funding Ratio (LFR) menjadi Rasio Intermediasi Makroprudensial (RIM). Rasio GWM pada tanggal 31 Desember 2017 dihitung berdasarkan Peraturan Bank Indonesia (PBI) No. 19/6/PBI/2017 tanggal 17 April 2017 tentang “Perubahan Kelima atas Peraturan Bank Indonesia No. 15/15/PBI/2013 tentang GiroWajib Minimum Bank Umum dalam Rupiah dan Valuta Asing bagi Bank Umum Konvensional”.
The calculation of the GWM ratios as of December 31, 2018 is based on Governor council member’s regulation No. 20/30/PADG/2018 dated November 30, 2018, regarding “Amandment to Governor council member’s regulation No. 20/10/PADG/2018 regarding reserves requirement in Rupiah and Foreign Currencies for Conventional Commercial Banks, Sharia Commercial Bank, and Sharia Business Unit”, whereas the calculation of the Macroprudential Liquidty Buffer ratio (PLM) is based on Bank Indonesia’s regulation (PBI No. 20/4/PBI/2018 dated March 29, 2018, regarding “Macroprudential Intermediation Ratio and Macroprudential Liquidity Buffer for Conventional Commercial Bank, Sharia Commercia Bank, and Sharia Business Unit”, which regulates the change of Secondary GWM to PLM and GWM Loan to Funding Ratio (LFR) to Macroprudential Intermediation Ratio (RIM). GWM ratios as of December 31, 2017 is based on Bank Indonesia’s regulation (PBI) No. 19/6/PBI/2017 dated April 17, 2017, regarding “Fifth Amendment to Bank Indonesia Regulation No. 15/15/PBI/2013 on Reserves Requirement in Rupiah and Foreign Currencies for Conventional Commercial Banks”.
Pada tanggal-tanggal 31 Desember 2018 dan 2017, sesuai dengan ketentuan Bank Indonesia tersebut di atas, Bank harus memenuhi persyaratan GWM Primer rata-rata sebesar 6,5%, GWM Primer harian 3,5%, dan untuk mata uang asing masing-masing sebesar 8%. Untuk PLM dan GWM sekunder dalam Rupiah masing-masing sebesar 4%.
As of December 31, 2018 and 2017, based on the above mention Bank Indonesia Regulations, the Bank is required to maintain Primary GWM for Rupiah currency with Primary Average of 6.5%, Primary GWM Daily of 3.5%, and Primary GWM for foreign currency of 8%, respectively. For PLM and Secondary GWM in Rupiah of 4%, respectively.
Pada tanggal 31 Desember 2018 dan 2017, rincian giro wajib minimum Bank adalah sebagai berikut:
As of December 31, 2018 and 2017, the Bank’s minimum statutory reserves are as follows:
2018 2017
% %
Rupiah Rupiah
GWM primer Primary GWM
Harian 4,20 5,61 Daily
Rata-rata 6,71 6,86 Average
GWM sekunder - 14,85 Secondary GWM
PLM 8,44 - PLMs
Dollar Amerika Serikat United States Dollar
GWM primer 9,97 8,29 Primary GWM
Pada tanggal-tanggal 31 Desember 2018 dan 2017 Bank juga harus memenuhi RIM dan GWM LFR, jika RIM dan GWM LFR Bank kurang dari batas bawah Bank Indonesia (BI) yaitu sebesar 80% atau melebihi batas atas BI yaitu 92% dengan KPMM Bank lebih kecil dari KPMM insentif BI yang sebesar 14%.
As of December 31, 2018 and 2017 Bank maintained RIM and GWM LFR if the RIM and GWM LFR of Bank is less than the Bank Indonesia (BI) lower limit of 80% or exceeds the BI upper limit of 92% with Bank Capital Adequacy Ratio (CAR) is lower than BI CAR incentives of 14%.
Pada tanggal 31 Desember 2018 dan 2017, Bank telah memenuhi giro wajib minimum yang harus disediakan sesuai dengan ketentuan Bank Indonesia.
As of December 31, 2018 and 2017, the Bank has complied with the minimum reserve requirements under the Bank Indonesia regulation.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 42 -
7. GIRO PADA BANK LAIN 7. DEMAND DEPOSITS WITH OTHER BANKS
Rincian giro pada bank lain berdasarkan pihak dimana Bank menempatkan dananya dan jenis mata uang adalah sebagai berikut:
Demand deposits with other banks by counterparty and by currency are as follows:
2018 2017
Pihak ketiga Third parties Rupiah Rupiah
PT Bank Central Asia Tbk 137.797 26.875 PT Bank Central Asia Tbk
PT Bank Mandiri (Persero) Tbk 44 46 PT Bank Mandiri (Persero) Tbk
Standard Chartered Bank, Indonesia 28 28 Standard Chartered Bank, Indonesia
PT Bank Maybank Indonesia Tbk 16 4 PT Bank Maybank Indonesia Tbk
PT Bank CIMB Niaga Tbk 1 1 PT Bank CIMB Niaga Tbk
Sub jumlah 137.886 26.954 Sub total
Dollar Amerika Serikat United States Dollar
Standard Chartered Bank, New York 96.413 134.354 Standard Chartered Bank, New York
PT Bank Mandiri (Persero) Tbk 8.867 8.731 PT Bank Mandiri (Persero) Tbk
PT Bank Central Asia Tbk 6.175 13.207 PT Bank Central Asia Tbk
Standard Chartered Bank, Indonesia 197 2 Standard Chartered Bank, Indonesia
Sub jumlah 111.652 156.294 Sub total
Dollar Singapura Singapore Dollar
United Overseas Bank Ltd., Singapura 4.462 4.203 United Overseas Bank Ltd., Singapore
Yen Jepang Japanese Yen
Standard Chartered Bank, Tokyo 607 1.512 Standard Chartered Bank, Tokyo
Euro Euro
Standard Chartered Bank, Frankurt 793 1.454 Standard Chartered Bank, Frankfurt
Dollar Hongkong Hongkong Dollar
Standard Chartered Bank, Hongkong 1.230 1.228 Standard Chartered Bank, Hongkong
Dollar Australia Australian Dollar
PT Bank Central Asia (Persero) Tbk 1.125 - PT Bank Central Asia (Persero) Tbk
Commonwealth Bank, Sydney - 781 Commonwealth Bank, Sydney
Sub jumlah 1.125 781 Sub total
Renminbi Chinese Yuan
PT Bank ICBC Indonesia 135 138 PT Bank ICBC Indonesia
Jumlah Giro pada Bank Lain 257.890 192.564 Total Demand Deposit with Other Banks
Tingkat suku bunga efektif rata-rata per tahun giro pada bank lain untuk mata uang Rupiah dan valuta asing masing-masing sebesar 0,00% dan 0,02% pada tahun 2018 dan 0,07% dan 0,01% pada tahun 2017
The average annual effective interest rates of demand deposits with other banks in Rupiah and foreign currencies are, 0.00% and 0.02% in 2018 and 0.07% and 0.01% in 2017, respectively.
Pada tanggal 31 Desember 2018 dan 2017, tidak terdapat giro pada bank lain yang dijadikan agunan oleh Bank.
As of December 31, 2018 and 2017, there are no demand deposits from other banks which are used as collateral by the Bank.
Tidak terdapat cadangan kerugian penurunan nilai yang diakui karena manajemen berpendapat bahwa seluruh giro pada bank lain dapat ditagih.
No allowance for impairment losses has been recognized since management believes that all demand deposits with other bank are collectible.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 43 -
8. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN
8. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
Penempatan pada Bank Indonesia dan bank lain
berdasarkan jenis penempatan adalah sebagai berikut:
Placements with Bank Indonesia and other banks by
types of placements are as follows:
2018
Jangka waktu/ Period
Tingkat bunga efektif
rata-rata per tahun/
Average annual effective interest
rate Jumlah/
Total
Pihak ketiga Third parties Rupiah Rupiah
Fasilitas Simpanan Bank
Indonesia
2 – 5 hari/days
5,60% 609.884 Bank Indonesia Deposit Facility
Call money 7 hari/days 6,63% 30.000 Call money
Sertifikat Deposito 274 hari/days
6,10% 34.899 Certificate of Deposit
Sub jumlah 674.783 Sub total
Dollar Amerika Serikat United States Dollar
Term Deposit Bank Indonesia 2 hari/days 2,33% 215.700 Bank Indonesia Term Deposit
Jumlah Penempatan pada Bank
Indonesia dan Bank Lain
890.483 Total Placements with Bank Indonesia and
Other Banks
2017
Jangka waktu/
Period
Tingkat bunga efektif
rata-rata per tahun/
Average annual effective interest
rate
Jumlah/
Total
Pihak ketiga Third parties Rupiah Rupiah
Sertifikat Deposito Bank
Indonesia
182 - 364 hari/days
5,67% 492.216 Bank Indonesia Certificate of Deposit
Fasilitas Simpanan Bank
Indonesia
3 hari/days 3,91% 159.984 Bank Indonesia Deposit Facility
Call money 14 - 15 hari/days
4,37% 150.000 Call money
Sertifikat Deposito 370 hari/days
7,36% 44.322 Certificate of Deposit
Sub jumlah 846.522 Sub total
Dollar Amerika Serikat United States Dollar
Term Deposit Bank Indonesia 4 hari/days 1,01% 271.350 Bank Indonesia Term Deposit
Jumlah Penempatan pada Bank
Indonesia dan Bank Lain
1.117.872 Total Placements with Bank Indonesia
and Other Banks
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 44 -
8. PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN (lanjutan)
8. PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS (continued)
Rincian penempatan pada Bank Indonesia dan bank lain
berdasarkan pihak dimana Bank menempatkan dananya
adalah sebagai berikut:
Placements with Bank Indonesia and other banks by
counterparty are as follows:
2018 2017
Pihak ketiga Third parties
Rupiah Rupiah
Bank Indonesia 609.884 652.200 Bank Indonesia
Lembaga Pembiayaan Ekspor Indonesia - 100.000 Lembaga Pembiayaan Ekspor Indonesia
PT Bank Pembangunan Daerah Jawa
Barat dan Banten Tbk
- 50.000 PT Bank Pembangunan Daerah Jawa
Barat dan Banten Tbk
PT Bank Negara Indonesia (Persero) Tbk 34.899 44.322 PT Bank Negara Indonesia (Persero) Tbk
PT Bank Oke Indonesia 30.000 - PT Bank Oke Indonesia
Sub jumlah 674.783 846.522 Sub total
Dollar Amerika Serikat United States Dollar
Bank Indonesia 215.700 271.350 Bank Indonesia
Jumlah 890.483 1.117.872 Total
Nilai tercatat biaya perolehan diamortisasi dari
penempatan pada Bank Indonesia dan bank lain adalah
sebagai berikut:
The carrying amount of placements with Bank
Indonesia and other banks at amortized cost are as
follows:
2018 2017
Penempatan pada Bank Indonesia dan bank lain 890.483 1.117.872 Placements with Bank Indonesia and other banks
Pendapatan bunga yang masih akan diterima
(Catatan 16)
42 283 Accrued interest receivable (Note 16)
Jumlah 890.525 1.118.155 Total
Tidak terdapat cadangan kerugian penurunan nilai yang
diakui karena manajemen berpendapat bahwa seluruh
penempatan pada bank lain dapat ditagih.
No allowance for impairment losses has been
recognized since management believes that all
placements with other banks are collectible.
9. EFEK – EFEK 9. SECURITIES
Seluruh efek-efek dilakukan dengan pihak ketiga dan
dalam mata uang Rupiah.
All of the securities were made with third parties and
denominated in Indonesian Rupiah.
Berdasarkan jenis dan tujuan investasi, efek-efek adalah
sebagai berikut:
Securities classified according to type and purpose are
as follows:
2018 2017
Dimiliki hingga jatuh tempo Held-to-maturity Obligasi Pemerintah Indonesia 476.251 476.251 Indonesian Government bonds
Tersedia untuk dijual Available-for-sale Obligasi Pemerintah Indonesia 189.838 306.005 Indonesian Government bonds
Obligasi lainnya 176.545 102.799 Other bonds
Reksadana - 81.336 Mutual funds
Jumlah efek tersedia untuk dijual 366.383 490.140 Total available-for-sale securities
Diperdagangkan Trading Obligasi Pemerintah Indonesia 84.789 124.725 Indonesian Government bonds
Obligasi lainnya - 10.021 Other bonds
Jumlah efek diperdagangkan 84.789 134.746 Total trading securities
Jumlah Efek-Efek 927.423 1.101.137 Total Securities
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 45 -
9. EFEK – EFEK (lanjutan) 9. SECURITIES (continued)
Tingkat bunga rata-rata per tahun untuk efek-efek adalah
sebagai berikut:
Average annual interest rates of the above securities
are as follows:
2018 2017
Obligasi Pemerintah Indonesia 6,98% 6,38% Indonesian Government bonds
Obligasi lainnya 8,44% 8,12% Other bonds
Jangka waktu efek-efek sejak tanggal pembelian hingga
tanggal jatuh tempo adalah sebagai berikut:
The terms of the above securities from acquisition dates
to maturity dates are as follows:
2018 2017
Obligasi Pemerintah Indonesia 12 bulan – 27 tahun/ 12 months – 27 years
8 bulan - 28 tahun/
8 months - 28 years
Indonesian Government bonds
Obligasi lainnya 24 – 36 bulan/months
26 – 61
bulan/ months
Other bonds
Rincian efek-efek berdasarkan penerbit dan peringkat obligasi berdasarkan beberapa perusahaan pemeringkat pada tanggal 31 Desember 2018 dan 2017 adalah sebagai berikut :
Securities classified according to issuers and rating of bonds from various rating companies as of December 31, 2018 and 2017 are as follows:
2018 2017 Rp Juta/ Peringkat/ Rp Juta/ Peringkat/
Rp Milion Rating Rp Milion Rating
Obligasi Bonds
Pemerintah Republik Indonesia
750.878 idAAA 906.981 idBBB Government of Republic Indonesia
Perusahaan Lainnya Other companies
PT Pegadaian (Persero) 75.729 idAAA - PT Pegadaian (Persero)
Lembaga Pembiayaan Ekspor Indonesia
48.039 idAAA - Lembaga Pembiayaan Ekspor Indonesia
PT Medco Energi Internasional Tbk
20.700 idA+ - PT Medco Energi Internasional Tbk
PT Pembangunan Perumahan (Persero) Tbk
19.309 idA+ - PT Pembangunan Perumahan (Persero) Tbk
PT Tower Bersama Infrastructure Tbk
9.755 idAA- - PT Tower Bersama Infrastructure Tbk
PT AKR Corporindo Tbk 2.010 idAA- - PT AKR Corporindo Tbk
PT Surya Artha Nusantara Finance
1.003 idAA- 1.020 idAA- PT Surya Artha Nusantara Finance
PT Pupuk Indonesia (Persero)
- 50.114 idAAA PT Pupuk Indonesia (Persero)
PT Hutama Karya (Persero) - 45.665 idAAA PT Hutama Karya (Persero)
PT Sarana Multigriya Finansial (Persero)
- 10.021 idAAA PT Sarana Multigirya Finansial (Persero)
PT Aneka Tambang (Persero) Tbk
- 6.000 idBBB+ PT Aneka Tambang (Persero) Tbk
Sub total 927.423 1.019.801 Sub total
Reksadana Mutual Funds
Dana Reksa Seruni Pasar Uang - 81.336 Dana Reksa Seruni Pasar uang II
Jumlah Efek-efek 927.423 1.101.137 Total Securities
Efek-efek telah diperingkat oleh PT Pemeringkat Efek
Indonesia (Pefindo) dan Fitch Rating Indonesia.
Securities are rated by PT Pemeringkat Efek Indonesia
(Pefindo) and Fitch Rating Indonesia.
Biaya perolehan efek yang dimiliki hingga jatuh tempo
pada tanggal 31 Desember 2018 dan 2017 sebesar
Rp 476.251.
Cost of held-to-maturity securities as of
December 31, 2018 and 2017 amounted to
Rp 476,251.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 46 -
9. EFEK – EFEK (lanjutan) 9. SECURITIES (continued)
Perubahan keuntungan (kerugian) yang belum direalisasi
atas efek-efek yang tersedia untuk dijual untuk tahun
2018 dan 2017 adalah sebagai berikut:
The movement of unrealized gain (loss) from changes
in fair value of available-for-sale securities for 2018
and 2017 are as follows:
2018 2017
Saldo awal tahun sebelum 3.224 (8.484) Balance at beginning of year before deferred
pajak penghasilan tangguhan tax income
Penambahan tahun berjalan (10.683) 3.335 Additions during the year
Keuntungan (kerugian) yang direalisasi (9.848) 3.262 Realized gain (loss) on sale during the year
atas penjualan selama tahun berjalan
Perubahan nilai efek tahun berjalan (7.804) 5.111 Changes in value of outstanding securities
during the year
Jumlah sebelum pajak penghasilan
Tangguhan (25.111) 3.224 Balance at ending of year before deferred tax
income
Aset (liabilitas) pajak tangguhan – bersih 6.278 (806) Deferred tax asset (liabilities) – net
Saldo akhir tahun (18.833) 2.418 Balance at ending of year
Nilai wajar pada saat perolehan awal atas efek diperdagangkan pada tanggal 31 Desember 2018 dan 2017 masing-masing sebesar Rp 84.423 dan Rp 133.504. Rugi yang belum direalisasi akibat penurunan nilai wajar efek yang diperdagangkan untuk tahun 2018 sebesar Rp 366 dan laba yang belum direalisasi akibat kenaikan nilai wajar efek yang diperdagangkan untuk tahun 2017 sebesar Rp 1.242 diakui dalam laba rugi tahun berjalan.
Initial fair value of held-for-trading securities as of December 31, 2018 and 2017 amounted to Rp 84,423 and Rp 133,504, respectively. Unrealized loss on decrease in fair values of held-for-trading securities in 2018 amounted to Rp 366 and unrealized gain from on increase in fair value of held-for-trading securities in 2017 amounted to Rp 1,242 which are charged to profit or loss.
Pada tanggal 31 Desember 2018 dan 2017, tidak terdapat efek-efek yang dijadikan agunan oleh Bank.
As of December 31, 2018 and 2017, there are no securities which are used as collateral by the Bank.
Tidak terdapat cadangan kerugian penurunan nilai yang diakui untuk efek-efek karena Bank melakukan transaksi dengan pihak yang memiliki reputasi yang baik.
No allowance for impairment losses on securities has been recognized since the Bank’s counterparties have a good reputation.
Keuntungan (kerugian) bersih dari penjualan efek adalah sebagai berikut:
Net gain (loss) on sale of securities are as follows:
2018 2017
Tersedia untuk dijual 9.396 11.853 Available-for-sale Diperdagangkan (6.111) 6.953 Trading
Jumlah 3.285 18.806 Total
Nilai tercatat biaya perolehan diamortisasi dari efek-efek dimiliki hingga jatuh tempo adalah sebagai berikut:
The carrying amount of held-to-maturities securities at amortized cost is as follows:
2018 2017
Efek-efek 476.251 476.251 Securities Pendapatan yang masih akan diterima
(catatan 16) 4.357 4.357 Accrued interest receivable (Note 16)
Jumlah 480.608 480.608 Total
10. TAGIHAN DAN LIABILITAS DERIVATIF 10. DERIVATIVE RECEIVABLES AND PAYABLES
Bank melakukan transaksi derivatif dalam bentuk pembelian dan penjualan berjangka valuta asing (forward) dan swap untuk tujuan trading.
The Bank’s derivative instruments, principally consist of forward foreign exchange contracts and swap contracts for trading purposes.
Transaksi swap terdiri dari kontrak swap mata uang asing. Transaksi tersebut merupakan komitmen untuk melunasi liabilitas dalam mata uang asing dengan kurs yang ditentukan terlebih dahulu.
Swap transactions consists of foreign currency swap contracts. Such currency swap transactions are commitments to settle in cash on a future date an obligation in foreign currency at a predetermined rate of exchange.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 47 -
10. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan)
10. DERIVATIVE RECEIVABLES AND PAYABLES (continued)
Risiko pasar dari transaksi derivative timbul sebagai akibat dari adanya perubahan nilai potensial fluktuasi kurs mata uang, sedangkan risiko kredit timbul dalam hal pihak lain tidak dapat memenuhi liabilitasnya kepada Bank. Jangka waktu dari pembelian dan penjualan berjangka valuta asing pada tanggal 31 Desember 2018 dan 2017 masing-masing berkisar antara 94 sampai 97 hari dan 5 sampai 31 hari.
The market risk of derivative transaction arise from potential changesin value due to fluctuations in foreign exchange rates, while credit risk is the possibility that a loss may occur due to the failure of a counterparty to fulfill its obligations. According to the term of the contract as of December 31, 2018 and 2017, the Bank’s derivative instruments have term ranging from 94 to 97 days and 5 to 31 days, respectively.
Rincian tagihan dan liabilitas derivatif pada tanggal
31 Desember 2018 dan 2017 adalah sebagai berikut:
The details of derivative receivables and payables as of
December 31, 2018 and 2017 are as follows:
2018
Jumlah Nasional/
National Amount
Nilai Wajar/
Fair Value
Beli/
Buy
Jual/
Sell
Tagihan/
Receivables
Liabilitas/
Payables
Forward Forward
Dollar Amerika Serikat United States Dollar
PT Bank Syariah
Mandiri
- 45.894 1.082 - PT Bank Syariah
Mandiri
Jumlah - 45.894 1.082 - Total
2017
Jumlah Nasional/
National Amount
Nilai Wajar/
Fair Value
Beli/
Buy
Jual/
Sell
Tagihan/
Receivables
Liabilitas/
Payables
Forward Forward
Dollar Amerika Serikat United States Dollar
PT Bank Pan
Indonesia Tbk
- 67.790 - 53 PT Bank Pan
Indonesia Tbk
Sub Jumlah - 67.790 - 53 Sub Total
Spot Spot
Dollar Amerika Serikat United States Dollar
PT Bank Jtrust
Indonesia Tbk
27.128 - 14 - PT Bank Jtrust
Indonesia Tbk
PT Bank Central
Asia Tbk
13.565 - 6 - PT Bank Central
Asia Tbk
PT Bank Pan
Indonesia Tbk
- 27.126 - 16 PT Bank Pan
Indonesia Tbk
PT Bank Victoria
International Tbk
- 27.124 - 18 PT Bank Victoria
International Tbk
PT Bank ICBC
Indonesia
- 13.562 - 6 PT Bank ICBC
Indonesia
PT Bank KEB Hana
Indonesia
- 5.426 - 2 PT Bank KEB Hana
Indonesia
Sub Jumlah 40.693 73.238 20 42 Sub Total
Jumlah 40.693 141.028 20 95 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 48 -
11. KREDIT 11. LOANS
Kredit memiliki suku bunga tetap maupun mengambang,
sehingga Bank terpapar risiko suku bunga atas nilai
wajar (fair value interest rate risk) dan risiko suku bunga
atas arus kas (cash flow interest rate risk).
Loans are arranged at both fixed and floating interest
rates, thus exposing the Bank to fair value interest rate
risk and cash flow interest rate risk.
a. Jenis Pinjaman a. By Type of Loan
2018 2017
Rupiah Rupiah
Kredit Konsumsi 3.373.303 2.905.601 Consumer loans
Kredit Modal Kerja 2.585.086 2.690.695 Working Capital Loans
Kredit Investasi 1.236.898 1.185.460 Investment Loans
Pinjaman Karyawan 27.216 40.798 Employee Loans
Jumlah – Rupiah 7.222.503 6.822.554 Total – Rupiah
Dollar Amerika Serikat United States Dollar
Kredit Modal Kerja 259.603 239.800 Working Capital Loans
Kredit Investasi 29.527 52.568 Investment Loans
Jumlah – Dollar Amerika Serikat 289.130 292.368 Total – United States Dollar
Jumlah 7.511.633 7.114.922 Total
Cadangan kerugian penurunan nilai (238.665) (331.116) Allowance for impairment losses
Jumlah Kredit – bersih 7.272.968 6.783.806 Total Loans – net
b. Sektor Ekonomi b. By Economic Sector
2018 2017
Rupiah Rupiah Rumah Tangga 2.816.712 2.513.788 Household Jasa-jasa dunia usaha 1.977.854 2.326.275 Business Services Perindustrian 604.387 611.105 Manufacturing Perdagangan, restoran, dan hotel 460.825 652.467 Trading, retaurant and hotel Konstruksi 203.448 214.360 Construction Transportasi pergudangan dan 193.440 63.476 Transportation, warehouses, and
komunikasi communication Jasa sosial/ masyarakat 62.669 13.066 Social/ public services Pertambangan 55.261 5.436 Mining Pertanian dan perhutanan 8.549 2.693 Agriculture and forestry Listrik, gas dan air - 893 Electricity, gas and water Lainnya 839.358 418.995 Others
Jumlah - Rupiah 7.222.503 6.822.554 Total - Rupiah
Dollar Amerika Serikat United States Dollar Perindustrian 231.481 236.565 Manufacturing Transportasi, pergudangan dan 56.887 55.084 Transportation, warehouses, and
komunikasi communication Listrik, gas dan air 762 719 Electricity, gas, and water Jumlah - Dollar Amerika Serikat 289.130 292.368 Total – United States Dollar
Jumlah 7.511.633 7.114.922 Total
Cadangan kerugian penurunan nilai (238.665) (331.116) Allowance for impairment losses Jumlah kredit- bersih 7.272.968 6.783.806 Total Loans – Net
c. Berdasarkan kolektibilitas Otoritas Jasa Keuangan (Bank Indonesia)
c. Based on Financial Service Authority’s (Bank Indonesia) collectability
2018 2017
Lancar 6.233.108 5.954.011 Current Dalam perhatian khusus 849.147 646.319 Special mention Kurang lancar 26.619 90.968 Substandart Diragukan 115.482 110.573 Doubtful Macet 287.277 313.051 Loss
Jumlah 7.511.633 7.114.922 Total Cadangan kerugian penurunan nilai (238.665) (331.116) Allowance for impairment losses
Jumlah kredit - bersih 7.272.968 6.783.806 Total loans – Net
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 49 -
11. KREDIT (lanjutan) 11. LOANS (continued)
d. Berdasarkan penilaian internal Bank d. Based on Bank’s internal assessment
2018 2017
Kredit yang dinilai secara individual Loans assessed individually Baki debet 546.087 520.807 Outstanding Cadangan kerugian penurunan (197.899) (297.234) Allowance for impairment
nilai losses Jumlah 348.188 223.573 Total
Kredit yang dinilai secara kolektif Loans assessed collectively Baki debet 6.965.546 6.594.115 Outstanding Cadangan kerugian penurunan (40.766) (33.882) Allowance for impairment
nilai losses
Jumlah 6.924.780 6.560.233 Total
Jumlah kredit - Bersih 7.272.968 6.783.806 Total Loans – Net
e. Jangka Waktu e. By Period
Jangka waktu pinjaman diklasifikasikan berdasarkan periode pinjaman dalam perjanjian kredit adalah sebagai berikut:
Loans classified based on the term of the loan agreements are as follows:
2018 2017
≤ 1 tahun 1.889.358 1.489.641 ≤ 1 Year >1 – 2 tahun 240.057 656.492 >1 -2 years >2 – 5 tahun 2.463.609 2.126.120 >2 -5 years >5 tahun 2.918.609 2.842.669 >5 years
Jumlah 7.511.633 7.114.922 Total Cadangan kerugian penurunan nilai (238.665) (331.116) Allowance for impairment losses
Jumlah kredit - bersih 7.272.968 6.783.806 Total loans - Net
f. Tingkat bunga efektif rata-rata per tahun f. Average annual effective interest rates
2018 2017
Rupiah Rupiah Kredit investasi 14,49% 17,77% Investment Loans Kredit modal kerja 13,93% 13,73% Working capital loans Kredit konsumsi 12,74% 13,22% Customer loans Kartu kredit 26,83% 30,25% Credit card
Dolar Amerika Serikat United States Dollar Kredit investasi 6,99% 7,39% Investment Loans Kredit modal kerja 6,74% 7,07% Working capital loans
g. Informasi pokok lainnya sehubungan dengan kredit
g. Other major information on loans
1) Kredit dijamin dengan agunan yang diikat dengan hak tanggungan atau surat kuasa untuk menjual dan jaminan lain yang umumnya diterima oleh perbankan. Kredit juga dijamin dengan jaminan tunai berupa giro, tabungan dan deposito berjangka (Catatan 17). Manajemen berkeyakinan agunan yang diterima tersebut cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit yang diberikan.
1) Loans are secured by collateral, which are legalized by deed of encumbrance, power of attorney to sell and other collaterals that are generally accepted in the banking industry. Loans are also secured by cash collateral, in the form of demand deposits, savings deposits and time deposits (Note 17). Management believes that collateral received from debtor is adequate to cover possible losses on uncollectible loan
2) Kredit untuk modal kerja dan investasi terdiri
dari pinjaman jangka panjang, tetap dan berulang, sedangkan kredit konsumsi terdiri dari kredit pemilikan rumah, kredit kendaraan bermotor dan kredit konsumsi lain.
2) Loans for working capital and investments include long-term, fixed and revolving loans, while consumer loans include housing, car and other consumer loans.
3) Kredit dalam Rupiah berjangka waktu 6 bulan sampai 25 tahun, sedangkan kredit dalam valuta asing berjangka waktu antara 1 tahun sampai 8 tahun.
3) Loans in Rupiah have terms ranging from 6 months to 25 years, while those in foreign currencies have terms ranging from 1 year to 8 years.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 50 -
11. KREDIT (lanjutan) 11. LOANS (continued)
g. Informasi pokok lainnya sehubungan dengan
kredit (lanjutan) g. Other major information on loans (continued)
4) Kredit yang diberikan kepada karyawan Bank
merupakan kredit yang diberikan untuk membeli rumah, kendaraan dan keperluan lainnya dengan jangka waktu 1 sampai 20 tahun dan dibayar kembali melalui pemotongan gaji setiap bulan. Kredit yang diberikan kepada karyawan dibebani tingkat bunga efektif rata-rata per tahun sebesar 5,43% dan 5,49% masing-masing pada tanggal 31 Desember 2018 dan 2017.
4) Employee loans for the purchase of houses, cars and other necessities with terms of 1 to 20 years are payable through salary deduction. Employee loans earn average annual effective interest rate of 5.43% and 5.49% as of December 31, 2018 and 2017, respectively.
5) Dalam jumlah kredit termasuk kredit yang
diberikan kepada pihak yang berelasi sebesar Rp 128.980 dan Rp 98.383 setelah dikurangi cadangan kerugian penurunan nilai (berdasarkan penurunan nilai secara kolektif) sebesar Rp 130 dan Rp 82 masing-masing pada tanggal 31 Desember 2018 dan 2017 (Catatan 35).
5) Total loans include loans to related parties amounting to Rp 128,980 and Rp 98,383 net of allowance for impairment losses (based on collective impairment) of Rp 130 and Rp 82 as of December 31, 2018 and 2017, respectively (Note 35).
Seluruh kredit yang diberikan kepada pihak
yang berelasi pada tanggal 31 Desember 2018
dan 2017 tidak lewat jatuh tempo dan tidak
mengalami penurunan nilai.
All of loans to related parties as of
December 31, 2018 and 2017 are neither
past due nor impaired.
6) Rasio kredit usaha mikro dan kecil terhadap
kredit yang diberikan adalah sebesar 2,98%
dan 5,88% masing-masing pada tanggal
31 Desember 2018 dan 2017.
6) The ratio of micro and of small business loans
to total loans as of December 31, 2018 and
2017 is 2.98% and 5.88%, respectively.
7) Pada tanggal 31 Desember 2018 dan 2017,
tidak terdapat kredit yang dijadikan agunan oleh Bank.
7) As of December 31, 2018 and 2017, there are no loans pledged as collateral by the Bank.
8) Pada tanggal 31 Desember 2018 dan 2017,
rincian kredit yang direstrukturisasi menurut jenis pinjaman sebelum cadangan kerugian penurunan nilai adalah sebagai berikut:
8) As of December 31, 2018 and 2017, the details of restructured loans classified based on types of loans, gross of allowance of impairment losses are as follows:
2018 2017
Rupiah Rupiah Kredit modal kerja 220.587 250.716 Working capital loans Kredit investasi 212.713 82.101 Investment Loans Kredit konsumsi 20.353 2.624 Consomer loans Jumlah – Rupiah 453.653 335.441 Total – Rupiah
Dolar Amerika Serikat United States Dollar
Kredit modal kerja 160.590 26.067 Working capital loans Jumlah Kredit 614.243 361.508 Total Loans
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 51 -
11. KREDIT (lanjutan) 11. LOANS (continued)
g. Informasi pokok lainnya sehubungan dengan
kredit (lanjutan) g. Other major information on loans (continued)
9) Pada tahun 2018 dan 2017, rincian kredit yang direstrukturisasi berdasarkan kolektibilitas Otoritas Jasa Keuangan (Bank Indonesia) sebelum cadangan kerugian penurunan nilai adalah sebagai berikut:
9) In 2018 and 2017, the details of restructured loans based on Financial Services Autrhority’s (Bank Indonesia) collectibility gross of allowance of impairment losses are as follows:
2018 2017
Lancar 169.331 162.538 Current Dalam perhatian khusus 261.804 30.443 Special mention Kurang lancar 16.091 64.083 Substandart Diragukan 89.976 81.190 Doubtful Macet 77.041 23.254 Loss
Jumlah 614.243 361.508 Total
10) Pada tanggal 31 Desember 2018 dan 2017,
fasilitas kredit yang disalurkan dengan sistem pembiayaan bersama (joint financing) dan penyaluran kredit melalui lembaga pembiayaan untuk menyalurkan kredit kendaraan bermotor, mobil dan rumah masing-masing sebesar Rp1.359.202 dan Rp632.933.
10) As of December 31, 2018 and 2017, loan facilities with joint financing arrangements and credits chanelled through financing companies in granting motorcycle, car and housing loan amounted to Rp1,359,202 and Rp632,933, respectively.
11) Rasio non-performing loan (NPL) yang
dihitung berdasarkan Surat Edaran Otoritas Jasa Keuangan No. 43/SEOJK.03/2016 tanggal 28 September 2016 adalah sebagai berikut:
11) Non-performing loan (NPL) ratio calculated based on Circular Letter of Financial Services Authority No. 43/SEOJK.03/2016 dated September 28, 2016 are as follows:
2018 2017
NPL Bruto 5,72% 7,23% Gross NPL NPL Neto 3,43% 2,82% Net NPL
12) Dalam laporan Batas Maksimum Pemberian
Kredit (BMPK) per tanggal 31 Desember 2018 kepada Bank Indonesia, Bank tidak memiliki debitur, baik pihak terkait maupun pihak tidak terkait yang melanggar atau melampaui ketentuan BMPK.
12) In its report on legal lending limit (BMPK) to Bank Indonesia as of December 31, 2018, the Bank indicated that there is no debitor either related party or third party who has not complied with or exceeded the BMPK.
Pada tanggal 31 Desember 2017, Bank mengalami pelampauan dan pelanggaran Batas Maksimum Pemberian Kredit (BMPK) yang disebabkan karena penurunan modal inti Bank sebagai dampak dari kenaikan signifikan cadangan kerugian penurunan nilai kredit pada akhir tahun 2017. Sehubungan dengan pelampauan dan pelanggaran BMPK tersebut, Bank telah melakukan langkah-langkah penyelesaian, antara lain menjamin penyediaan dana kepada debitur dengan agunan tunai sebesar nilai nominal pelanggaran dan melakukan penambahan modal pada tahun 2018.
As of December 31, 2017, there are loans that exceeded the legal lending limit (BMPK) due to the decrease on the Bank’s core capital as a result of a significant increase in allowance for impairment losses on loans at end of 2017. To address this, the Bank will take measures among others, Bank was require cash collateral equal to the amount of the loans that exceeded BMPK and increase its capital in 2018 through limited public offering.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 52 -
11. KREDIT (lanjutan) 11. LOANS (continued)
g. Informasi pokok lainnya sehubungan dengan
kredit (lanjutan) g. Other major information on loans (continued)
13) Pada tanggal 31 Desember 2018 dan 2017,
rincian kredit bermasalah menurut sektor ekonomi adalah sebagai berikut:
13) As of December 31, 2018 and 2017, the details of non-performing loans based on economic sector are as follows:
2018 2017
Penyisihan Penyisihan penurunan penurunan Kredit nilai/ Kredit nilai/ bermasalah/ Allowance bermasalah/ Allowance non- for Non- for performing impairment performing impairment loans losses loans losses
Rupiah Rupiah Jasa-jasa dunia usaha 72.050 25.796 74.963 73.494 Business services Konstruksi 58.597 51.633 75.334 69.864 Construction Perdagangan, restoran 42.112 17.748 111.390 84.268 Trading, restaurant
dan hotel and hotel Perindustrian 34.248 23.647 52.738 23.249 Manufacturing Transportasi
pergudangan dan komunikasi
18.677 2.121 4.855 2.504 Transportation, warehouses and communication
Jasa sosial/masyarakat 3.832 1.484 4.565 708 Social/ public services Pertanian dan
perhutanan 1.780 558 1.805 588 Agriculture and forestry
Lainnya 132.856 41.863 127.295 52.984 Others Jumlah – Rupiah 364.152 164.850 452.945 307.659 Total – Rupiah
Dollar Amerika Serikat United States Dollar
Perindustrian 64.464 6.138 60.928 5.791 Manufacturing Listrik, gas dan air 762 762 719 719 Electricity, gas and water
Jumlah – Dollar Amerika Serikat
65.226 6.900 61.647 6.510 Total – United States Dollar
Jumlah 429.378 171.750 514.592 314.169 Total
14) Mutasi cadangan kerugian penurunan nilai
adalah sebagai berikut: 14) The changes in allowance for impairment
losses are as follows:
2018 2017
Rupiah
Foreign
currencies
Jumlah/
Total
Rupiah
Foreign
currencies
Jumlah/
Total
Saldo awal tahun 324.576 6.540 331.116 52.008 513 52.521 Balance at beginning
of year
Penyisihan (pemulihan) tahun
berjalan
(Catatan 29)
Provision (reversal of provision) during
the year (Note 29)
Individual (48.699) 14 (48.685) 757.066 17.208 774.274 Individual
Kolektif 83.018 - 83.018 51.945 (39) 51.906 Collective
Penghapusan (127.148) - (127.148) (536.443) (11.161) (547.604) Write-off
Selisih kurs - 364 364 - 19 19 Exchange rate
differences
Saldo akhir tahun 231.747 6.918 238.665 324.576 6.540 331.116 Balance at end of
year
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 53 -
11. KREDIT (lanjutan) 11. LOANS (continued)
g. Informasi pokok lainnya sehubungan dengan kredit (lanjutan)
g. Other major information on loans (continued)
14) Mutasi cadangan kerugian penurunan nilai adalah sebagai berikut: (lanjutan)
14) The changes in allowance for impairment losses are as follows :(continued)
Nilai baki debet atas debitur-debitur yang cadangan kerugian penurunan nilai dihitung secara individual sebesar Rp 546.087 dan Rp 520.807 masing-masing pada tanggal 31 Desember 2018 dan 2017. Debitur-debitur tersebut termasuk dalam sektor ekonomi perindustrian, konstruksi, perdagangan, restoran dan hotel, angkutan, gudang dan komunikasi, jasa-jasa dunia usaha, jasa sosial/masyarakat dan lainnya.
The outstanding amount of debtors whose allowance for impairment losses are calculated individually amounted to Rp 546,087 and Rp 520,807 as of December, 31 2018 and 2017, respectively. The economic sector in which the debtors belong to include manufacturing, construction, trading, restaurant and hotel, transportation, warehouses and communication, business services, social/public services and others.
Manajemen berpendapat bahwa cadangan kerugian penurunan nilai kredit adalah cukup untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit
Management believes that the allowance for impairment losses on loans is adequate to cover the losses which might arise from uncollectible loans.
15) Mutasi kredit yang dihapus buku adalah sebagai berikut:
15) The changes in the loans written-off are as follows:
2018 2017
Valuta Valuta asing/ asing/
Foreign Jumlah/ Foreign Jumlah/ Rupiah currencies Total Rupiah currencies Total
Saldo awal tahun
893.799 98.589 992.388 362.101 87.428 449.529 Balance at beginning of year
Penambahan dalam tahun berjalan
127.148 - 127.148 536.443 11.161 547.604 Additions during the Year
Penerimaan kembali
(80.449) (2.297) (82.746) (3.183) - (3.183) Recovery
Hapus tagih (5.129) (5.129) (1.562) - (1.562) Write-off
Saldo akhir tahun 935.369 96.292 1.031.661 893.799 98.589 992.388
Balance at and of year
Kredit yang dihapus buku dicatat dalam rekening administratif. Bank terus melakukan upaya penagihan atas kredit yang telah dihapus buku tersebut.
Loans written-off is recorded in administrative account. The Bank is continuously collecting these loans written-off.
16) Nilai tercatat biaya perolehan diamortisasi dari kredit yang diberikan adalah sebagai berikut:
17) 16) The carrying amount of loans at amortised cost is as follows:
2018 2017
Kredit 7.511.633 7.114.922 Loans Pendapatan bunga yang masih akan Accrued interest receivable
diterima (Catatan 16) 47.778 38.426 (Note 16) Cadangan kerugian penurunan nilai (238.665) (331.116) Allowance for impairment losses Jumlah 7.320.746 6.822.232 Total
12. TAGIHAN DAN LIABILITAS AKSEPTASI 12. ACCEPTANCES RECEIVABLE AND PAYABLE
Seluruh tagihan dan liabilitas akseptasi dilakukan dengan
pihak ketiga dan dalam mata uang Dollar Amerika
Serikat, sebesar Rp 36.419 dan Rp 1.522 masing-masing
pada tanggal 31 Desember 2018 dan 2017.
All of the acceptances receivable and payable were
made with third parties and denominated in United
States Dollar, amounting to Rp 36,419 and Rp 1,522 as
of December 31, 2018 and 2017, respectively.
Jangka waktu perjanjian tagihan dan liabilitas akseptasi
pada tanggal 31 Desember 2018 dan 2017 masing-
masing berkisar antara 72 hari dan 161 hari.
The Bank’s acceptances receivable and payable as of
December 31, 2018 and 2017 have terms of 72 days
and 161 days, respectively.
Tidak terdapat cadangan kerugian penurunan nilai yang
dibukukan untuk tagihan akseptasi untuk tahun 2018 dan
2017.
No allowance for impairment losses on acceptances
receivable has been booked for 2018 and 2017.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 54 -
13. BIAYA DIBAYAR DIMUKA 13. PREPAID EXPENSES
2018 2017
Akuisisi kartu kredit 134.122 104.350 Credit card acquisitions Sewa dibayar dimuka 30.266 34.010 Prepaid rent Pemeliharaan 5.947 7.372 Maintenance Beban promosi dibayar dimuka 4.091 1.086 Prepaid promotional expense Lainnya 4.453 4.150 Others
Jumlah 178.879 150.968 Total
Akuisisi kartu kredit Credit card acquisitions
Merupakan biaya dibayar dimuka untuk meningkatkan
penerbitan kartu kredit yang akan diamortisasi
menggunakan metode garis lurus pada tanggal 31
Desember 2018 dan 2017 masing-masing sebesar
Rp 134.122 dan Rp 104.350.
This account represents credit card acquisitions costs
incurred by the Bank to increase issuance of credit
card and will be amortized using straight line method
as of December 31, 2018 and 2017 amounting Rp
134,122 and Rp 104,350, respectively.
14. ASET TETAP 14. PREMISES AND EQUIPMENT
2018 Saldo awal/ Saldo akhir/ Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
balance Additions Deductions Reclassification balance Biaya perolehan Cost Bangunan dan 75.092 3.326 4.533 - 73.885 Building and leasehold
prasarana kantor improvements Kendaraan bermotor 2.814 500 1.360 - 1.954 Motor vehicles Perabotan kantor 17.722 289 1.058 - 16.953 Office furniture Peralatan kantor 19.382 920 1.371 - 18.931 Office equipment Perangkat keras 36.107 3.822 2.110 5.700 43.519 Computer hardware
komputer Aset tetap dalam 45 - - - 45 Construction in
penyelesaian progress Jumlah 151.162 8.857 10.432 5.700 155.287 Total
Akumulasi Penyusutan
Accumulated depreciation
Bangunan dan 48.420 7.667 4.030 - 52.057 Building and leasehold prasarana kantor Improvements
Kendaraan bermotor 1.782 419 982 - 1.219 Motor vehicles
Perabotan kantor 10.336 2.314 1.031 - 11.619 Office furniture
Peralatan kantor 11.905 2.204 1.365 12.744 Office equipment
Perangkat keras 23.606 4.342 2.108 3.671 29.511 Computer hardware komputer
Jumlah 96.049 16.946 9.516 3.671 107.150 Total
Nilai buku bersih 55.113 48.137 Net book value
2017 Saldo awal/ Saldo akhir/ Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
Balance Additions Deductions Reclassification balance Biaya perolehan Cost Bangunan dan 73.443 3.997 3.823 1.475 75.092 Building and leasehold
prasarana kantor Improvements Kendaraan bermotor 3.322 - 508 - 2.814 Motor vehicles Perabotan kantor 17.576 1.474 1.414 86 17.722 Office furniture Peralatan kantor 17.338 3.167 1.264 141 19.382 Office equipment Perangkat keras 31.125 6.043 1.521 460 36.107 Computer hardware
komputer Aset tetap dalam 700 1.507 - (2.162) 45 Construction in
Penyelesaian progress Jumlah 143.504 16.188 8.530 - 151.162 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 55 -
14. ASET TETAP (lanjutan) 14. PREMISES AND EQUIPMENT (continued)
2017 Saldo awal/ Saldo akhir/ Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
Balance Additions Deductions Reclassification balance Akumulasi
Penyusutan Accumulated depreciation
Bangunan dan 44.901 7.301 3.782 - 48.420 Building and leasehold prasarana kantor improvements
Kendaraan bermotor 1.797 493 508 - 1.782 Motor vehicles Perabotan kantor 9.578 2.161 1.403 - 10.336 Office furniture Peralatan kantor 11.384 1.773 1.252 - 11.905 Office equipment Perangkat keras 21.693 3.435 1.522 - 23.606 Computer hardware
komputer Jumlah 89.353 15.163 8.467 - 96.049 Total
Nilai buku bersih 54.151 55.113 Net book value
Rincian keuntungan penjualan aset tetap adalah sebagai
berikut:
Details of gain on sale of premises and equipment are
as follows:
2018 2017
Nilai buku 420 63 Net book value Harga jual 967 331 Selling price Laba penjualan aset
tetap – bersih 547 268 Gain on sale of premises and
equipment – net
Pada tahun 2018, pengurangan aset tetap termasuk
penghapusbukuan aset tetap berupa prasarana kantor
dengan nilai buku sebesar Rp 496.
In 2018, deductions premises and equipment include
the write-off leasehold improvements with book value
of Rp 496.
Manajemen berpendapat bahwa nilai tercatat semua aset
tetap masih lebih rendah dari pada nilai yang dapat
dipulihkan, oleh karena itu tidak diperlukan penurunan
nilai aset tetap.
Management believes that the net book value of
premises and equipment is lower than the recoverable
value, as such there is no impairment in value of
premises and equipment.
Aset tetap dalam penyelesaian merupakan prasarana
kantor yang diperkirakan akan selesai pada tahun 2019.
Construction in progress represents leasehold
improvements which are estimated to be completed in
2019.
Aset tetap telah diasuransikan terhadap risiko kebakaran,
kecurian dan risiko lainnya kepada
PT MNC Asuransi Indonesia, pihak berelasi dengan
jumlah pertanggungan sebesar Rp 73.989 dan
Rp 101.400 masing-masing pada tanggal 31 Desember
2018 dan 2017. Manajemen berpendapat bahwa nilai
pertanggungan tersebut cukup untuk menutupi
kemungkinan kerugian atas aset yang dipertanggungkan.
Premises and equipment, are insured against fire, theft,
and other possible risks with PT MNC Asuransi
Indonesia, related party for Rp 73,989 and Rp 101,400
as of December 31, 2018 and 2017, respectively.
Management believes that the insurance coverage is
adequate to cover possible losses on the assets insured.
Jumlah aset tetap yang sudah didepresiasi
penuh dan masih digunakan adalah sebesar
Rp 61.025 dan Rp 65.492 masing-masing pada tanggal
31 Desember 2018 dan 2017.
The gross carrying amount of fully depreciated
premises and equipment that are still in use amounted
to Rp 61,025 and Rp 65,492 as of December 31, 2018
and 2017, respectively.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 56 -
15. ASET TAKBERWUJUD 15. INTANGIBLE ASSETS
Perincian perangkat lunak adalah sebagai berikut: The details of software are as follows:
2018 Saldo awal/ Saldo akhir/ Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
Balance Additions Deductions Reclassification balance Biaya perolehan Cost Perangkat lunak
komputer 98.738 9.378 1.740 (5.016) 101.360 Computer software
Aset takberwujud Intangible assets in dalam penyelesaian 995 750 - (684) 1.061 Progress
Jumlah 99.733 10.128 1.740 (5.700) 102.421 Total
Akumulasi
Amortisasi Accumulated
Amortizaztion Perangkat lunak
komputer 75.163 7.114 750 (3.671) 77.856 Computer software
Jumlah 75.163 7.114 750 (3.671) 77.856 Total
Jumlah tercatat 24.570 24.565 Net book value
2017 Saldo awal/ Saldo akhir/ Beginning Penambahan/ Pengurangan/ Reklasifikasi/ Ending
Balance Additions Deductions Reclassification balance Biaya perolehan Cost Perangkat lunak
komputer 85.106 8.681 46 4.997 98.738
Computer software
Aset takberwujud 3.274 2.718 - (4.997) 995 Intangible assets in dalam penyelesaian Progress Jumlah 88.380 11.399 46 - 99.733 Total
Akumulasi
Amortisasi Accumulated
Amortizaztion Perangkat lunak
komputer 69.053 6.156 46 - 75.163 Computer software
Jumlah 69.053 6.156 46 - 75.163 Total
Jumlah tercatat 19.327 24.570 Net book value
Amortisasi untuk aset takberwujud adalah 5 tahun. Amortization period for intangible assets is 5 years.
16. ASET LAIN-LAIN 16. OTHER ASSETS
2018 2017
Agunan yang diambil alih 204.028 129.323 Foreclosed collaterals Pendapatan yang masih akan diterima 56.566 46.830 Accrued interest receivable Biaya yang ditangguhkan 49.286 46.843 Deferred charges Setoran jaminan 43.204 35.135 Security deposits Lainnya 45.889 41.113 Others
Sub jumlah 398.973 299.244 Sub total
Cadangan kerugian penurunan Allowance for impairment losses Nilai aset non-keuangan (23.173) (23.173) On non – financial assets
Jumlah aset lain-lain – bersih 375.800 276.071 Total Other Assets – Net
Agunan yang Diambil Alih Foreclosed Collaterals
Agunan yang diambil alih merupakan jaminan kredit
dalam bentuk tanah dan bangunan yang telah diambil
alih oleh Bank.
Foreclosed collaterals represent collaterals on loans in
the form of land and buildings that have been
foreclosed by the Bank.
Untuk memenuhi Peraturan Bank Indonesia
No. 14/15/PBI/2012 tanggal 24 Oktober 2012, Bank
telah melakukan upaya penyelesaian atas agunan yang
diambil alih.
The Bank has taken actions for the resolution of
foreclosed collaterals as required by Bank Indonesia
under regulation No. 14/15/PBI/2012 dated October
24, 2012.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 57 -
16. ASET LAIN-LAIN (lanjutan) 16. OTHER ASSETS (continued)
Bank telah menyewakan sementara sebagian agunan
yang diambil alih kepada pihak ketiga. Pendapatan sewa
yang diperoleh Bank selama tahun 2018 dan 2017
masing-masing sebesar Rp 536 dan Rp 365. Agunan
yang diambil alih dan disewakan berupa kios-kios yang
terletak di ITC Cipulir.
The Bank has rented out temporarily some of its
foreclosed collaterals to third parties. Total rental
revenue obtained by the Bank during 2018 and 2017
amounted to Rp 536 and Rp 365, respectively. The
foreclosed collaterals rented out consisted of kiosks
located at ITC Cipulir.
Mutasi cadangan kerugian penurunan nilai agunan yang
diambil alih adalah sebagai berikut:
The changes in the allowance for impairment losses on
foreclosed collaterals are as follows:
2018 2017
Saldo awal tahun 23.173 9.177 Balance at beginning of year Penyisihan (Pemulihan) tahun berjalan Provision (reversal of provision)
(Catatan 29) - 13.996 During the year (Note 29)
Saldo akhir tahun 23.173 23.173 Balance at and of year
Manajemen berpendapat bahwa cadangan kerugian
penurunan nilai agunan yang diambil alih adalah cukup
untuk menutupi kerugian yang mungkin timbul.
Management believes that the allowance for
impairment losses on foreclosed collaterals is adequate
to cover potential losses.
Biaya yang Ditangguhkan Deferred Charges
Merupakan biaya-biaya yang telah dikeluarkan oleh
Bank untuk melakukan pengembangan sistem dan
aplikasi, yang akan diselesaikan ketika proses pekerjaan
telah selesai.
Represent costs incurred by the Bank for the system
and application development, and it will be reversed
when the work has been completed.
Pendapatan yang Masih Akan Diterima Accrued Interest Receivable Merupakan bunga yang masih akan diterima atas penempatan pada Bank Indonesia dan bank lain, efek-efek dan kredit, dengan rincian sebagai berikut :
This account represents interest receivables on placements with Bank Indonesia and other banks, securities and loans.
2018 2017
Penempatan pada Bank Indonesia dan Bank Lain
42 283 Placements with Bank Indonesia and other Banks
Efek-efek Securities Diperdagangkan 894 1.743 Trading Tersedia untuk dijual 3.495 2.021 Available –for-sale Dimiliki hingga jatuh tempo 4.357 4.357 Held to maturity
Kredit 47.778 38.426 Credit 56.566 46.830
Setoran Jaminan Security Deposit
Merupakan setoran jaminan atas sewa gedung dan
jaminan setoran terkait kartu kredit (Visa International
Service Association) yang dijaminkan di Standard
Chartered Bank, Singapura.
This account represents marginal deposits on building
rentals and deposits related to credit card (Visa
International Service Association), pledged to Standard
Chartered Bank, Singapore.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 58 -
17. SIMPANAN 17. DEPOSITS Simpanan memiliki suku bunga tetap maupun mengambang, sehingga Bank terpapar risiko suku bunga atas nilai wajar (fair value interest rate risk) dan risiko suku bunga atas arus kas (cash flow interest rate risk).
Deposits are arranged at both fixed and floating interest rates, thus exposing the Bank to fair value interest rate risk and cash flow interest rate risk.
Simpanan terdiri dari: Deposits consist of:
2018 2017
Pihak Pihak Pihak Pihak Berelasi/ Ketiga Berelasi/ Ketiga Related Third Jumlah/ Related Third Jumlah/ Parties Parties Total Parties Parties Total
Giro 193.115 697.617 890.732 369.317 490.174 859.491 Demand Deposits Tabungan 34.989 605.628 640.617 15.881 591.080 606.961 Savings Deposits Deposito berjangka 637.058 6.301.549 6.938.607 198.996 7.362.261 7.561.257 Time Deposits
Jumlah 865.162 7.604.794 8.469.956 584.194 8.443.515 9.027.709 Total
Nilai tercatat biaya perolehan diamortisasi dari simpanan adalah sebagai berikut:
The carrying amount of deposits at amortized cost are as follows:
2018 2017
Simpanan Deposits Giro 890.732 859.491 Demand deposits Tabungan 640.617 606.961 Saving deposits Deposito berjangka 6.938.607 7.561.257 Time deposits
8.469.956 9.027.709 Beban bunga yang masih Accrued interest (Note 20)
harus dibayar (Catatan 20) Deposito berjangka 28.152 33.275 Time deposits
Jumlah 8.498.108 9.060.984 Total
a. Giro terdiri atas: a. Demand deposits consist of:
2018 2017
Pihak berelasi Related Parties Rupiah 158.277 298.886 Rupiah Dollar Amerika Serikat 34.777 70.409 United States Dollar Lainnya 61 22 Other
193.115 369.317
Pihak ketiga Third Parties Rupiah 410.823 418.560 Rupiah Dollar Amerika Serikat 281.159 64.967 United States Dollar Dollar Singapura 3.024 3.271 Singapore Dollar Euro 1.093 1.953 Euro Lain-lain 1.518 1.423 Others
697.617 490.174 Jumlah 890.732 859.491 Total
Tingkat bunga efektif rata-rata Per
tahun
Average annual effective Interest rate
Rupiah 2,73% 2,74% Rupiah Valuta asing 0,25% 0,88% Foreign Currencies
Jumlah giro yang diblokir dan dijadikan jaminan
kredit pada tanggal 31 Desember 2018 dan 2017
masing-masing sebesar Rp 18.133 dan
Rp 32.262.
As of December 31, 2018 and 2017, demand
deposits which are earmarked and pledged as loan
collaterals amounted to Rp 18,133 and Rp 32,262,
respectively.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 59 -
17. SIMPANAN (lanjutan) 17. DEPOSITS (continued)
b. Tabungan terdiri atas: b. Savings deposits consist of:
2018 2017
Rupiah Rupiah Tabungan MNC 477.226 434.709 Tabungan MNC Tabungan MNC Bisnis 45.222 34.666 Tabungan MNC Bisnis Tabungan MNC Junior 19.813 20.690 Tabungan MNC Junior Tabungan Rencana MNC 14.963 19.685 Tabungan Rencana MNC Tabunganku 10.110 13.813 Tabunganku Tabungan MNC Program Hadiah 5.917 9.799 Tabungan MNC Program Hadiah Tabungan MNC Bunga Khusus 1.798 1.936 Tabungan MNC Bunga Khusus Lainnya 65.568 71.663 Others
Jumlah 640.617 606.961 Total
Tingkat bunga efektif rata-rata 2,23% 2,16% Average annual effective per tahun interest rates
Jumlah tabungan yang diblokir dan dijadikan
jaminan kredit pada tanggal 31 Desember 2018 dan
2017 masing-masing sebesar Rp 206.872 dan
Rp 141.342.
As of December 31, 2018 and 2017, savings
deposits which are earmarked and pledged as loan
collaterals amounted to Rp 206,872 and Rp
141,342, respectively.
c. Deposito berjangka terdiri atas: c. Time deposits consist of:
2018 2017
Pihak berelasi Related Parties Rupiah 631.871 193.830 Rupiah Dollar Amerika Serikat 5.187 5.166 United States Dollar 637.058 198.996
Pihak ketiga Third Parties Rupiah 5.964.510 6.720.582 Rupiah Dollar Amerika Serikat 334.274 639.301 United States Dollar Lain-lain 2.765 2.378 Others
6.301.549 7.362.261
Jumlah 6.938.607 7.561.257 Total
Tingkat bunga efektif rata-rata Average annual effective per tahun interest rates Rupiah 6,89% 7,61% Rupiah Valuta asing 1,70% 2,24% Foreign Currencies
Klasifikasi deposito berjangka berdasarkan periode adalah sebagai berikut:
Time deposits classified based on the term are as follows:
2018 2017
Valuta Valuta Asing/ Asing/ Foreign Jumlah/ Foreign Jumlah/ Rupiah currencies Total Rupiah currencies Total
1 bulan 3.291.735 189.926 3.481.661 2.797.323 467.389 3.264.712 1 month 3 bulan 2.504.898 123.110 2.628.008 3.304.988 162.569 3.467.557 3 month 6 bulan 389.620 25.150 414.770 560.338 13.075 573.413 6 month 12 bulan 410.128 4.040 414.168 251.763 3.812 255.575 12 month Jumlah 6.596.381 342.226 6.938.607 6.914.412 646.845 7.561.257 Total
Jumlah deposito berjangka yang diblokir dan dijadikan jaminan kredit pada tanggal 31 Desember 2018 dan 2017 masing-masing sebesar Rp 130.774 dan Rp 62.604.
As of December 31, 2018 and 2017, time deposits which are earmarked and pledged as loan collaterals amounted to Rp 130,774 and Rp 62,604, respectively.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 60 -
18. SIMPANAN DARI BANK LAIN 18. DEPOSITS FROM OTHER BANKS
Simpanan dari bank lain memiliki suku bunga tetap maupun mengambang, sehingga Bank terpapar risiko suku bunga atas nilai wajar (fair value interest rate risk) dan risiko suku bunga atas arus kas (cash flow interest rate risk).
Deposits from other banks are arranged at both fixed and floating interest rates, thus exposing the Bank to fair value interest rate risk and cash flow interest rate risk.
Simpanan dari bank lain terdiri dari: Deposits from other banks consist of:
2018 2017
Pihak ketiga Third parties Giro 337.443 120.208 Demand deposits Tabungan 37.204 51.999 Savings deposits Deposito berjangka 35.445 25.050 Time deposits Call money 330.000 - Call money
Jumlah 740.092 197.257 Total
Tingat bunga efektif rata-rata per tahun Average annual effective interest rates
Giro 1,74% 2,04% Demand deposits Tabungan 1,59% 2,40% Savings deposits Deposito berjangka 6,51% 4,92% Time deposits Call money 7,08% 5,36% Call money
Nilai tercatat biaya perolehan diamortisasi dari simpanan dari bank lain adalah sebagai berikut:
Carrying amounts at amortized cost of the deposits from other banks are as follows:
2018 2017
Simpanan dari Bank lain 740.092 197.257 Deposits from other Bank Beban bunga yang masih harus dibayar 295 6 Accrued interest
(Catatan 20) (Note 20) Jumlah 740.387 197.263 Total
Deposito Berjangka Time Deposits
Klasifikasi deposito berjangka berdasarkan periode
adalah sebagai berikut:
Time deposits classified based on the term are as
follows:
2018 2017
1 bulan 22.995 20.598 1 month 3 bulan 5.500 2.000 3 month 6 bulan 1.000 - 6 month 12 bulan 5.950 2.452 12 month
Jumlah 35.445 25.050 Total
Call Money Call Money
Pada tanggal 31 Desember 2018 jangka waktu call
money Rupiah adalah 7 sampai dengan 14 hari.
As of December 31, 2018, the terms of call money in
Rupiah are 7 to 14 days.
19. UTANG PAJAK 19. TAXES PAYABLE
2018 2017
Pajak penghasilan Income tax Pasal 21 1.410 1.732 Article 21 Pasal 23/26 243 238 Articles 23/26 Pasal 4 ayat 2 8.334 10.140 Article 4(2)
Pajak pertambahan nilai – bersih 144 352 Value added tax – Net
Jumlah 10.131 12.462 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 61 -
20. BEBAN YANG MASIH HARUS DIBAYAR 20. ACCRUAL EXPENSES
2018 2017
Bunga yang masih harus dibayar Accrued interest Simpanan (Catatan 17) 28.152 33.275 Deposits (Note 17) Simpanan dari bank lain (Catatan 18) 295 6 Deposits from other bank (Note 18)
Sub jumlah 28.447 33.281 Sub total
Beban yang masih harus dibayar lainnya Other Accrued expenses Tunjangan Karyawan 8.613 27.324 Employee Benefits Jasa pihak ketiga 11.612 12.803 Third Party Services Promosi 3.729 12.295 Promotions Komunikasi 13.950 5.713 Communication Sewa 1.803 2.537 Rent Lainnya 6.454 16.925 Others
Sub jumlah 46.161 77.597 Sub total
Jumlah 74.608 110.878 Total
21. LIABILITAS LAIN-LAIN 21. OTHER LIABILITIES
2018 2017
Pendapatan diterima dimuka 6.029 6.319 Income received in advance Setoran jaminan 367 933 Margin deposits Lainnya 7.142 3.431 Others
Jumlah 13.538 10.683 Total
Pendapatan Diterima di Muka Income Received in Advance
Merupakan pendapatan diterima dimuka atas kredit yang diberikan dan pendapatan sewa atas agunan yang diambil alih.
This account represents income received in advance for loans and rental of foreclosed properties.
Setoran Jaminan Margin Deposits
Merupakan setoran jaminan yang diterima dari nasabah untuk keperluan transaksi luar negeri, bank garansi dan safe deposit box.
This account represents margin deposits received from customer for the purpose of overseas money transfer, bank guarantee and safe deposit box.
22. MODAL SAHAM 22. CAPITAL STOCK
Berdasarkan laporan Biro Administrasi Efek, rincian pemegang saham Bank pada tanggal 31 Desember 2018 dan 2017 adalah sebagai berikut:
Based on report from the Securities’ Administration Bureau, the Bank’s stockholders as of December 31, 2018 and 2017 are as follows:
2018
Jumlah Persentase Jumlah saham/ pemilikan/ modal/ Number of Percentage Total paid-up Nama Pemegang Saham shares of ownership capital stock Name of Stockhoders
PT MNC Kapital indonesia Tbk 9.309.678.241 42,73% 930.968 PT MNC Kapital Indonesia Tbk Marco Prince Corp 2.654.374.881 12,18% 265.437 Marco Prince Corp Masyarakat (masing-masing 9.821.000.496 45,09% 982.100 Public (below 5% )
dibawah 5% )
Jumlah 21.785.053.618 100,00% 2.178.505 Total
2017
Jumlah Persentase Jumlah saham/ pemilikan/ modal/ Number of Percentage Total paid-up Nama Pemegang Saham shares of ownership capital stock Name of Stockhoders
PT MNC Kapital indonesia Tbk 8.809.678.241 41,43% 880.968 PT MNC Kapital Indonesia Tbk Marco Prince Corp 2.654.374.881 12,48% 265.437 Marco Prince Corp Masyarakat (masing-masing 9.797.420.225 46,09% 979.742 Public (below 5% )
dibawah 5% )
Jumlah 21.261.473.347 100,00% 2.126.147 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 62 -
22. MODAL SAHAM (lanjutan) 22. CAPITAL STOCK (continued)
Perubahan jumlah saham beredar Bank adalah sebagai
berikut (nilai penuh) :
The changes in the shares outstanding of the Bank are
as follows (full amount):
Lembar/ Shares
Saldo 1 Januari 2017 20.581.465.247 Balance as of January 1, 2017 Pelaksanaan waran seri II 8.091 Excercise of Warrants II Pelaksanaan waran seri III 680.000.009 Excercise of Warrants III
Saldo 31 Desember 2017 21.261.473.347 Balance as of December 31, 2017 Pelaksanaan waran seri III 250.000.000 Excercise of Warrants III
Penawaran umum terbatas VI 273.580.271 Limited public offering VI Saldo 31 Desember 2018 21.785.053.618 Balance as of December 31, 2018
23. TAMBAHAN MODAL DISETOR 23. ADDITIONAL PAID IN CAPITAL
2018 2017
Uang muka setoran modal 82.000 - Deposits for future stock subscription
Agio saham 722 722 Premium on shares issuance
Jumlah 82.722 722 Total
Agio saham merupakan kelebihan di atas nominal dari
penjualan saham perdana, penawaran umum terbatas
(right issue) dan pelaksanaan waran dengan perincian
sebagai berikut:
The additional paid-in-capital represents the excess of
the total proceeds over the total par value of shares
arising from the sale of shares through public offering,
rights issue and exercise of warrants, with details as
follows:
Saldo 1 Januari 2017 720 Balance as of January 1, 2017 Pelaksanaan waran seri II 2 Excercise of Warrants II
Saldo 31 Desember 2018 dan 2017 722 Balance as of December 31, 2018 and 2017
Uang muka setoran modal adalah setoran sebesar
Rp 82.000 yang dilakukan oleh PT MNC Kapital
Indonesia Tbk.
Deposit for future stock subscription represents
contribution of Rp 82,000 made by PT MNC Kapital
Indonesia Tbk.
24. PENGHASILAN (RUGI) KOMPREHENSIF LAIN 24. OTHER COMPREHENSIVE INCOME (LOSS)
Akun ini meliputi penghasilan (rugi) komprehensif lain
yang diakumulasi dalam ekuitas.
This account comprises other comprehensive income
(loss) that are accumulated in equity.
2018 2017
Perubahan nilai wajar efek tersedia untuk dijual (Catatan 9)
(18.833) 2.418 Changes in fair value of AFS securities (Note 9)
Pengukuran kembali atas kewajiban imbalan pasti (Catatan 34)
7.510 196 Remeasurement of defined benefits obligation (Note 34)
Jumlah penghasilan (rugi) komprehensif lain
(11.323) 2.614 Total other comprehensive income (loss)
25. PENDAPATAN BUNGA 25. INTEREST REVENUES
2018 2017
Rupiah Rupiah Dimiliki hingga jatuh tempo Held-to-maturity
Efek-efek Securities Obligasi 29.513 29.513 Bonds
Tersedia untuk dijual Available-for-sale
Efek-efek Securites Obligasi 23.504 36.339 Bonds Surat utang jangka menengah - 2.311 Medium term notes
Sub jumlah – Tersedia untuk dijual 23.504 38.650 Sub total-Available-For-Sale
Diperdagangkan Trading
Efek-efek Securities Obligasi 10.583 9.624 Bonds
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 63 -
25. PENDAPATAN BUNGA (lanjutan) 25. INTEREST REVENUES (continued)
2018 2017 Rupiah (lanjuatan) Rupiah (continued)
Pinjaman yang diberikan dan piutang Loans and receivable Giro pada Bank Indonesia 364 803 Demand deposits with Bank Indonesia Penempatan pada Bank Indonesia dan
bank lain
Placement with Bank Indonesia and other bank
Sertifikat Deposito Bank Indonesia 12.385 20.831 Bank Indonesia Certificate of Deposit Fasilitas Simpanan Bank Indonesia 7.299 13.937 Bank Indonesia Deposit Facility Call Money 5.211 13.134 Call Money Sertifikat Deposito 2.131 5.679 Certificate of deposit
Efek yang dibeli dengan janji dijual Kembali
- 136 Securities purchased with agreements to resell
Kredit Loans Kredit konsumsi 391.659 350.887 Consumer loans Kredit modal kerja 269.580 338.927 Working capital loans Kredit Investasi 142.341 139.460 Investment loans Pinjaman Karyawan 7.491 6.405 Employee loans
Sub jumlah-Pinjaman yang diberikan dan piutang
838.461 890.199 Sub total-Loans and receivable
Jumlah Pendapatan Bunga - Rupiah 902.061 967.986 Total Interest Earned-Rupiah
Dollar Amerika Serikat United States Dollar Tersedia untuk dijual Available for sale
Efek-efek Securities Obligasi 325 161 Bonds
Diperdagangkan Trading Efek-efek Securities
Obligasi - 4.279 Bonds
Pinjaman yang diberikan dan piutang Loans and receivable Giro pada bank lain 36 41 Demand deposits with other banks Penempatan pada Bank Indonesia
dan bank lain
Placements with Bank Indonesia and other Banks
Fasilitas Simpanan Bank Indonesia 2.726 4.220 Bank Indonesia Deposit Facility Call money 655 617 Call money
Kredit Loans Kredit modal kerja 11.596 11.694 Working capital loans Kredit investasi 2.772 4.641 Investment loans
Sub jumlah-Pinjaman yang diberikan dan piutang
17.785 21.213 Sub total-Loans and receivable
Jumlah Pendapatan Bunga – Dollar Amerika Serikat
18.110 25.653 Total Interest Earned - United States Dollar
Jumlah Pendapatan Bunga 920.171 993.639 Total Interest Earned
26. BEBAN BUNGA 26. INTEREST EXPENSES
2018 2017
Liabilitas keuangan diukur pada biaya perolehan diamortisasi
Financial liabilities measured at amortized cost
Rupiah Rupiah Simpanan 511.621 594.270 Deposits Simpanan dari bank lain 23.968 22.210 Deposits from other banks Lainnya 7.564 20.574 Others
Sub jumlah 543.153 637.054 Sub total
Valuta Asing Foreign currencies Simpanan 13.137 19.016 Deposits
Jumlah Beban Bunga 556.290 656.070 Total Interest Expense
27. PROVISI DAN KOMISI SELAIN KREDIT – BERSIH
27. COMMISSIONS AND FEES FROM TRANSACTIONS OTHER THAN LOANS – NET
2018 2017
Kartu kredit 30.681 20.329 Credit card Komisi ATM bersama 9.176 6.714 Interbank ATM commission Asuransi 2.738 4.071 Insurance Kiriman uang 2.259 2.347 Money transfers Lainnya - bersih 1.441 1.673 Others – Net Jumlah 46.295 35.134 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 64 -
28. PENDAPATAN OPERASIONAL LAIN – LAINNYA 28. OTHER OPERATING REVENUES - OTHERS
2018 2017
Pendapatan denda 30.394 21.382 Penalties Pendapatan administrasi 17.356 21.188 Administrative income Lainnya 53.649 5.791 Others Jumlah 101.399 48.361 Total
29. BEBAN KERUGIAN PENURUNAN NILAI 29. PROVISION FOR IMPAIRMENT LOSSES
2018 2017
Aset keuangan Financial Assets Pinjaman yang diberikan dan piutang Loans and receivable
Kredit (Catatan 11) 34.333 826.180 Loans (Note 11) Aset Non-keuangan Non-financial Assets
Agunan yang diambil alih (Catatan 16) - 13.996 Foreclosed collaterals (Note 16) Jumlah 34.333 840.176 Total
30. BEBAN UMUM DAN ADMINISTRASI 30. GENERAL AND ADMINISTRATIVE EXPENSES
2018 2017
Pengembangan kartu kredit 51.008 54.369 Credit card development Data komunikasi dan sewa komputer 49.152 40.563 Data communication and computer rental Biaya sewa gedung dan pemeliharaan 42.163 42.578 Office rental and maintenance Penyusutan dan amortisasi (Catatan 14
dan 15) 24.060 21.319 Depreciation and amortization (Notes 14
and 15) Transportasi dan sewa kendaraan 14.969 15.875 Transportation and vehicle rental Keamanan 10.855 10.170 Security Outsourcing 8.909 9.773 Outsourcing Jasa tenaga ahli 7.205 4.060 Professional fees Listrik dan air 6.165 6.236 Electricity and water Promosi dan iklan 5.817 18.610 Advertising and promotion Pemeliharaan dan perbaikan 4.652 3.533 Repairs and maintenance Cetakan dan alat tulis 3.399 4.643 Printing and stationery Telepon, teleks dan fax 2.204 2.917 Telephone, telex and fax Administrasi bank 1.972 2.726 Bank administration Pengiriman 821 1.394 Courier Lainnya 3.846 14.322 Others Jumlah 237.197 253.088 Total
31. BEBAN TENAGA KERJA 31. PERSONNEL EXPENSES
2018 2017
Gaji 152.813 155.464 Salaries Tunjangan 54.361 47.780 Allowances Beban pelatihan karyawan 9.772 10.498 Employee training Honorarium dan bonus 3.448 8.551 Honorarium and bonuses Lainnya 4.528 5.971 Others Jumlah 224.922 228.264 Total
Rincian gaji dan tunjangan atas kelompok Direksi,
Dewan Komisaris, Komite Audit dan pejabat eksekutif
adalah sebagai berikut:
Details of salaries and benefits of Directors,
Commissioners, Audit Committee and executive officers
are as follows:
2018
Beban manfaat Jumlah Gaji dan Karyawan/ Pejabat/ Tunjangan/ Post- Number of Salaries and Employment Jumlah/
Officers Benefits Benefits Total Komisaris 2 1.518 - 1.518 Commissioners Direksi 3 6.098 - 6.098 Directors Anggota Komite Audit 2 321 - 321 Audit Committee Members Pejabat Eksekutif 38 36.414 7.948 44.362 Executive officers Jumlah 45 44.351 7.948 52.299 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 65 -
31. BEBAN TENAGA KERJA (lanjutan) 31. PERSONNEL EXPENSES (continued)
2017
Beban manfaat Jumlah Gaji dan Karyawan/ Pejabat/ Tunjangan/ Post- Number of Salaries and Employment Jumlah/
Officers Benefits Benefits Total Komisaris 3 2.202 - 2.202 Commissioners Direksi 5 13.003 - 13.003 Directors Anggota Komite Audit 4 912 - 912 Audit Committee Members Pejabat Eksekutif 37 37.293 7.595 44.888 Executive officers
Jumlah 49 53.410 7.595 61.005 Total
32. PAJAK PENGHASILAN 32. INCOME TAX
Beban (manfaat) pajak Bank terdiri dari: Tax expense (benefit) of the Bank consists of the
following:
2018 2017
Beban (manfaat) pajak tangguhan 22.379 (220.877) Deferred tax expense (benefit)
Pajak Kini Current Tax
Rekonsiliasi antara laba (rugi) sebelum pajak menurut laporan laba rugi dan penghasilan komprehensif lain dengan laba (rugi) kena pajak adalah sebagai berikut:
A reconciliation between income (loss) before tax per statement of profit or loss and other comprehensive income and taxable income (loss) is as follows:
2018 2017
Laba (rugi) sebelum pajak penghasilan menurut laporan laba rugi dan penghasilan komprehensif lain
79.400 (906.070) Income (loss) before tax expense per statements of profit or loss and
other comprehensive income
Perbedaan temporer: Cadangan manfaat pensiun karyawan (1.420) 6.094
Temporary differences: Provision for employee benefits
Cadangan kerugian penurunan nilai aset keuangan dan non-keuangan
112.027 307.483 Allowance for impairment losses on financial and non-financial assets
Penyusutan aset tetap dan aset tak berwujud
3.146 61 Depreciation of premises and equipment and intangible assets
Lainnya (15.267) 4.138 Others
Jumlah 98.486 317.776 Total
Beban yang tidak dapat diperhitungkan menurut fiskal:
Non deductible expenses:
Sanksi administrasi 807 391 Penalties Natura 715 4.056 Benefit in kind Lainnya 8.594 14.632 Others Jumlah 10.116 19.079 Total
Laba (rugi) kena pajak Bank sebelum kompensasi kerugian fiskal
188.002 (569.215) Bank's taxable income (loss) before fiscal loss carryforward
Penyesuaian atas pajak kini yang berasal dari periode lalu
- 1.416 Adjustment for current tax of prior period
Rugi fikal yang tidak dapat dimanfaatkan
- 2.068 Expired fiscal loss
Rugi fiskal Fiscal loss 2012 - (3.484) 2012 2014 (108.154) (108.154) 2014 2015 (91.809) (91.809) 2015 2017 (569.215) - 2017
Akumulasi Rugi Fiskal (581.176) (769.178) Accumulated Fiscal Losses
Laba kena pajak hasil rekonsiliasi menjadi dasar dalam pengisian Surat Pemberitahuan Pajak Tahunan (SPT) Pajak Penghasilan Badan.
Taxable income reconciliation serves as the basis for the preparation of Annual Corporate Income Tax.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 66 -
32. PAJAK PENGHASILAN (lanjutan) 32. INCOME TAX (continued)
Bank telah menerima surat ketetapan pajak nihil pajak penghasilan untuk tahun 2012 dari Direktorat Jenderal Pajak No. 00003/506/12/054/17 tanggal 5 Desember 2017 atas rugi fiskal yang sebelumnya Rp 6.129 menjadi laba fiskal sebesar Rp 15.347. Bank telah menyesuaikan hasil pemeriksaan tersebut pada tahun berjalan.
The Bank received corporate income tax nil assesment letter for year 2012 from the Directorate General of Taxation No. 00003/506/12/054/17 dated December 5, 2017 regarding fiscal loss previously recorded amounting to Rp 6,129 to taxable income amounting to Rp 15,347. The Bank has adjusted in accordance with the results of tax assessment in the current year.
Pajak Tangguhan Deffered Tax
Rincian dari aset dan liabilitas pajak tangguhan Bank
adalah sebagai berikut:
The details of the Bank’s deferred tax assets
(liabilities) are as follows:
1 Januari/
January 1,
2017
Dikreditkan
(dibebankan)
ke laba rugi Credited
(charged) to
profit or
loss
Dikreditkan (dibebankan)
ke
penghasilan komprehensif
lain/
Credited (charged)
to other
comprehensive
income
31 Desember/
December 31,
2017
Dikreditkan
(dibebankan)
ke laba rugi Credited
(charged) to
profit or
loss
Dikreditkan
(dibebankan) ke penghasilan
komprehensif lain/
Credited (charged) to
other
comprehensive
income
31 Desember/
December 31,
2018
Aset (liabilitas) pajak tangguhan
Deferred tax assets (liabilities)
Cadangan kerugian penurunan nilai kredit
(12.580) 73.372 - 60.792 28.007 - 88.799 Allowance for impaiment losses On
loans Penyusutan aset tetap
dan aset tak berwujud
2.832 15 - 2.847 786 - 3.633 Depreciation of premises and
equipment and intangible assets
Liabilitas imbalan pasca kerja
11.999 1.523 (183) 13.339 (355) (2.438) 10.546 Post-employment benefit
Obligation Cadangan kerugian
selain kredit yang diberikan
2.295 3.499 - 5.794 - - 5.794 Allowance for impaiment losses-
other than loans Kerugian
(keuntungan) yang belum direalisasi atas perubahan nilai wajar efek tersedia untuk dijual
2.121 - (2.927) (806) - 7.084 6.278 Unrealized loss (gain) on changes in fair
value of available-for-sale securities
Lainnya 1.545 1.035 - 2.580 (3.817) - (1.237) Others
Rugi fiskal 50.863 141.433 - 192.296 (47.000) - 145.296 Fiscal loss
Jumlah Aset Pajak Tangguhan
59.075 220.877 (3.110) 276.842 (22.379) 4.646 259.109 Total Deferred Tax Assets
Rugi fiskal dapat dikompensasi dengan laba fiskal pada
masa lima tahun mendatang sejak kerugian fiskal terjadi.
Manajemen memperkirakan bahwa akumulasi kerugian
fiskal dapat dikompensasikan dengan laba fiskal masa
mendatang.
The fiscal loss can be utilized against the taxable
income for a period of five years subsequent to the year
the fiscal loss was incurred. Management believes that
probable future taxable profits will be available to
utilize accumulated fiscal losses.
Rekonsiliasi antara beban (manfaat) pajak dan hasil
perkalian laba (rugi) akuntansi sebelum pajak dengan
tarif pajak efektif yang berlaku adalah sebagai berikut:
A reconciliation between the total tax expense (benefit)
and the amount computed by applying the effective tax
rates to income (loss) before tax is as follows:
2018 2017
Laba (rugi) sebelum beban pajak
penghasilan menurut laporan laba rugi
dan penghasilan komprehensif lain
79.400 (906.070) Income (loss) before tax expense
per statements of profit or
loss and other comprehensive income
Tarif pajak yang berlaku 19.850 (226.518) Tax expense at effective tax rates
Pengaruh pajak atas perbedaan yang
tidak dapat diperhitungkan
menurut fiskal
2.529 4.770 Tax effect on non-deductible expenses
Penyesuaian atas pajak kini yang
berasal dari periode lalu
- 354 Adjustment for current tax of
prior period
Rugi fiskal yang tidak dapat dimanfaatkan - 517 Expired fiscal loss
Beban (Manfaat) Pajak 22.379 (220.877) Tax Expense (Benefit)
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 67 -
33. LABA (RUGI) PER SAHAM 33. EARNINGS (LOSS) PER SHARE
Berikut ini adalah data yang digunakan untuk perhitungan laba per saham dasar/dilusian:
The computation of basic/diluted earnings per share attributable to the owners of the Bank is based on the following data:
2018 2017
Laba (rugi) untuk perhitungan laba
(rugi) per saham dasar/dilusian
57.021 (685.193) Earnings (loss) for computation of
basic/diluted earnings (loss) per share
Jumlah rata-rata tertimbang saham
biasa untuk perhitungan laba (rugi)
bersih per saham dasar/dilusian (nilai
penuh)
21.455.062.758 20.644.985.782 Weighted average number of ordinary
shares for computation of basic/
diluted earnings (loss) per share
(full amount)
Laba (rugi) per saham dasar dan
dilusian (nilai penuh)
2,66 (33,19) Earnings (loss) per share and diluted
(full amount)
Waran seri III yang diterbitkan tanggal 23 September 2016 berpotensi mendilusi rugi per saham dasar di masa depan, namun tidak dimasukkan dalam perhitungan laba (rugi) per saham dilusian karena waran tersebut bersifat anti dilutif untuk tahun yang berakhir 31 Desember 2018 dan 2017.
The warrants series III issued on September 23, 2016. potentially dilute basic earning (loss) per share in the future. but not included in the calculation of diluted loss per share because the warrants are anti-dilutive for the year ended December 31, 2018 and 2017.
Waran seri IV yang diterbitkan tanggal 28 Mei 2018 berpotensi mendilusi rugi per saham dasar di masa depan, namun tidak dimasukkan dalam perhitungan laba per saham dilusian karena waran tersebut bersifat anti dilutif untuk tahun yang berakhir 31 Desember 2018.
The warrants series IV issued on May 28, 2018. potentially dilute basic loss per share in the future. but not included in the calculation of diluted earning per share because the warrants are anti-dilutive for the year ended December 31, 2018.
34. LIABILITAS IMBALAN PASCA KERJA 34. EMPLOYEE BENEFITS OBLIGATION
a. Program Iuran Pasti a. Defined Contribution Plan
Bank menyelenggarakan program iuran pasti untuk seluruh karyawan tetap yang dikelola oleh DPLK Manulife Indonesia. Iuran ini berasal dari 2% gaji pokok yang dibayarkan karyawan. sedangkan sisanya sebesar 3,5% sampai 10% dibayarkan oleh Bank per bulan.
The Bank provides defined contribution plan for all of its permanent employees. which is managed by DPLK Manulife Indonesia. Contribution to the pension plan consists of a payment of 2% of basic salary paid by the employee. and 3.5% up to 10% contributed by the Bank per month.
Beban pensiun Bank yang timbul dari program iuran pasti adalah sebesar Rp 1.930 dan Rp 2.339 masing-masing pada tanggal 31 Desember 2018 dan 2017.
The Bank’s pension expense arising from the defined contribution plan amounted to Rp 1,930 and Rp 2,339 as of December 31, 2018 and 2017, respectively.
b. Program Imbalan Pasti b. Defined Benefits Plan
Bank juga menghitung imbalan pasca kerja imbalan pasti untuk karyawan sesuai dengan Undang-undang Ketenagakerjaan No. 13/2003. Jumlah karyawan yang berhak memperoleh manfaat tersebut sebanyak 734 dan 801 masing-masing pada tahun 2018 dan 2017.
The Bank also calculates defined post-employment benefits for its employees in accordance with Labor Law No. 13/2003. The number of employees entitled to the benefits are 734 and 801 in 2018 and 2017, respectively.
Bank mengakui tambahan liabilitas imbalan pasca kerja berupa kekurangan antara liabilitas imbalan pasca kerja berdasarkan program iuran pasti dengan manfaat minimum yang dipersyaratkan undang-undang tenaga kerja.
The Bank recognized the cost of providing post-employement benefits as shortage of benefits provided by the defined contribution plan against the minimum benefits required in accordance with the labor law.
Program pensiun imbalan pasti memberikan eksposur Bank terhadap risiko aktuarial seperti risiko tingkat bunga, risiko harapan hidup dan risiko gaji.
The defined benefit pension plan typically exposes the Bank to actuarial risks such as: interest rate risk, longevity risk and salary risk.
Risiko tingkat bunga Interest risk Penurunan suku bunga obligasi akan meningkatkan liabilitas program.
A decrease in the bond interest rate will increase the plan liability.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 68 -
34. LIABILITAS IMBALAN PASCA KERJA (lanjutan) 34. EMPLOYEE BENEFITS OBLIGATION (continued)
b. Program Imbalan Pasti (lanjutan) b. Defined Benefits Plan (continued)
Risiko harapan hidup Longevity risk Nilai kini kewajiban imbalan pasti dihitung dengan mengacu pada estimasi terbaik dari mortalitas peserta program baik selama dan setelah kontrak kerja. Peningkatan harapan hidup peserta program akan meningkatkan liabilitas program.
The present value of the defined benefit plan liability is calculated by reference to the best estimate of the mortality of plan participants both during and after their employment. An increase in the life expectancy of the plan participants will increase the plan’s liability.
Risiko gaji Salary risk Nilai kini kewajiban imbalan pasti dihitung dengan mengacu pada gaji masa depan peserta program. Dengan demikian, kenaikan gaji peserta program akan meningkatkan liabilitas program itu.
The present value of the defined benefit plan liability is calculated by reference to the future salaries of plan participants. As such, an increase in the salary of the plan participants will increase the plan’s liability.
c. Imbalan Kerja Jangka Panjang Lain c. Other Long Term Employee Benefits
Bank memberikan imbalan kerja jangka panjang lain berupa cuti besar kepada karyawan yang memenuhi persyaratan ditentukan berdasarkan pada masa kerja.
The Bank provides other long term benefits such as grand leaves to qualifying employees determined based on years of service.
Beban imbalan pasca kerja dan imbalan kerja jangka panjang lainnya yang diakui di laba rugi komprehensif adalah sebagai berikut:
Amounts recognized in comprehensive income in respect of the defined benefit plan and other long term employee benefits are a follows:
2018
Imbalan
pasca-kerja/
Post-
employment
benefits
Imbalan
kerja jangka
panjang
lainnya/
Other long
term
benefits
Jumlah/
Total
Biaya jasa: Service cost:
Biaya jasa kini 10.131 1.441 11.572 Current service cost
Biaya jasa lalu (6.281) (390) (6.671) Past service cost Biaya bunga neto 3.040 174 3.214 Net interest cost
Keuntungan aktuarial bersih - (436) (436) Net actuarial gains
Komponen dari biaya imbalan pasti
yang diakui dalam laba rugi
6.890 789 7.679 Components of defined benefit costs
recognised in profit or loss
Pengukuran kembali liabilitas
imbalan pasti - neto:
Remeasurement on the net defined
benefit liability:
Keuntungan aktuarial yang
timbul dari perubahan asumsi keuangan
(7.050) - (7.050) Actuarial gains arising from changes in
financial assumptions
Keuntungan aktuarial yang timbul dari penyesuaian
(2.702) - (2.702) Actuarial gains arising from adjustments
Komponen beban imbalan pasti yang
diakui dalam penghasilan komprehensif lain
(9.752) - (9.752) Components of defined benefit costs
recognised in other comprehensive income
Jumlah (2.862) 789 (2.073) Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 69 -
34. LIABILITAS IMBALAN PASCA KERJA (lanjutan) 34. EMPLOYEE BENEFITS OBLIGATION (continued)
Beban imbalan pasca kerja dan imbalan kerja jangka panjang lainnya yang diakui di laba rugi komprehensif adalah sebagai berikut : (lanjutan)
Amounts recognized in comprehensive income in respect of the defined benefit plan and other long term employee benefits are a follows: (continued)
2017
Imbalan
pasca-kerja/
Post-
employment
benefits
Imbalan
kerja jangka
panjang
lainnya/
Other long
term
Benefits
Jumlah/
Total
Biaya jasa: Service cost:
Biaya jasa kini 10.233 1.443 11.676 Current service cost
Biaya jasa lalu (203) - (203) Past service cost Biaya bunga neto 4.052 186 4.238 Net interest cost
Keuntungan aktuarial bersih - (421) ( 421) Net actuarial gains
Komponen dari biaya imbalan pasti
yang diakui dalam laba rugi 14.082 1.208 15.290 Components of defined benefit costs
recognised in profit or loss
Pengukuran kembali liabilitas imbalan pasti - neto:
- Remeasurement on the net defined benefit liability:
Kerugian aktuarial yang timbul
dari perubahan asumsi keuangan
4.629 - 4.629 Actuarial loss arising from changes
in financial assumptions Keuntungan aktuarial yang timbul dari
Penyesuaian (5.365) - (5.365) Actuarial gains arising from
Adjustments
Komponen beban imbalan pasti yang diakui dalam penghasilan
komprehensif lain
(736) - (736) Components of defined benefit costs recognised in other comprehensive
income
Jumlah 13.346 1.208 14.554 Total
Jumlah tercatat di laporan posisi keuangan yang timbul dari liabilitas terkait dengan imbalan kerja selain pensiun iuran pasti adalah sebagai berikut:
The amounts included in the statements of financial position arising from the obligation in respect of the employee benefits other than defined contributions are as follows:
2018 2017
Imbalan pasca-kerja 38.989 50.302 Post-employment benefits
Imbalan kerja jangka panjang lainnya 3.195 3.053 Other long term benefits
Jumlah 42.184 53.355 Total
Mutasi nilai kini kewajiban imbalan pasca kerja pada tahun berjalan adalah sebagai berikut:
Movements in the present values of employee benefits obligation in the current year are as follows:
2018
Imbalan
pasca-kerja/
Post-
employment
benefits
Imbalan
kerja
jangka
panjang
lainnya/
Other long
term
Benefits
Jumlah/
Total
Saldo awal 50.302 3.053 53.355 Beginning balance
Biaya jasa kini 10.131 1.441 11.627 Current service cost
Biaya jasa lalu (6.281) (390) (6.456) Post service cost
Biaya bunga 3.040 174 3.215 Interest cost
Keuntungan aktuarial bersih - (436) (707) Net actuarial gains
Pengukuran kembali
keuntungan (kerugian):
Remeasurement gains (losses):
Kerugian aktuarial yang timbul dari
perubahan asumsi keuangan
(7.050) - (7.050) Actuarial loss arising from changes in
financial assumptions
Keuntungan aktuarial yang
timbul dari penyesuaian
(2.702) - (2.702) Actuarial gains arising
from adjustments
Pembayaran manfaat (8.451) (647) (9.098) Benefits paid
Saldo akhir 38.989 3.195 42.184 Ending balance
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 70 -
34. LIABILITAS IMBALAN PASCA KERJA (lanjutan) 34. EMPLOYEE BENEFITS OBLIGATION (continued)
Mutasi nilai kini kewajiban imbalan pasca kerja pada tahun berjalan adalah sebagai berikut: (lanjutan)
Movements in the present values of employee benefits obligation in the current year are as follows: (continued)
2017
Imbalan
pasca-kerja/
Post-
employment
benefits
Imbalan
kerja jangka panjang
lainnya/
Other long
term
Benefits
Jumlah/
Total
Saldo awal 45.282 2.715 47.997 Beginning balance
Biaya jasa kini 10.233 1.443 11.676 Current service cost
Biaya jasa lalu (203) - (203) Post service cost
Biaya bunga 4.052 186 4.238 Interest cost
Keuntungan aktuarial bersih - (421) (421) Net actuarial gains
Pengukuran kembali
keuntungan (kerugian):
Remeasurement gains (losses):
Kerugian aktuarial yang
timbul dari perubahan
asumsi keuangan
4.629 - 4.629 Actuarial loss arising
from changes in
financial assumptions
Keuntungan aktuarial yang
timbul dari penyesuaian
(5.365) - (5.365) Actuarial gains arising
from adjustments
Pembayaran manfaat (8.326) (870) (9.196) Benefits paid
Saldo akhir 50.302 3.053 53.355 Ending balance
Asumsi aktuarial yang signifikan untuk penentuan
liabilitas imbalan pasti adalah tingkat diskonto dan
kenaikkan gaji yang diharapkan dan mortalitas.
Sensitivitas analisis di bawah ini ditentukan berdasarkan
masing-masing perubahan asumsi yang mungkin terjadi
pada akhir periode pelaporan, dengan semua asumsi lain
konstan.
Significant actuarial assumptions for the determination
of the defined benefits obligation are discount rate and
expected salary increase rate. The sensitivity analysis
below have been determined based on reasonably
possible changes of the respective assumptions
occuring at the end of the reporting period, while
holding all other assumptions constant.
Dampak dari perubahan asumsi tingkat diskonto dan
tingkat kenaikan gaji terhadap nilai kini kewajiban
imbalan pasti adalah sebagai berikut:
The effects of movement in assumed discount rate and
salary incremental rate on present value of defined
benefits obligation are as follows:
Jika tingkat diskonto lebih tinggi (lebih rendah) 1%,
kewajiban imbalan pasti akan berkurang sebesar
Rp 2.643 (meningkat sebesar Rp 2.268 pada tanggal
31 Desember 2018 dan berkurang sebesar Rp 3.688
(meningkat sebesar Rp 3.290) pada tanggal
31 Desember 2017.
If the discount rate is 1% higher (lower), the
defined benefits obligation would decrease by
Rp 2,643 (increase by Rp 2,268) as of
December 31, 2018 and decrease by Rp 3,688
(increase by Rp 3,290) as of December 31, 2017.
Jika pertumbuhan gaji yang diharapkan naik (turun)
sebesar 1%, kewajiban imbalan pasti akan naik
sebesar Rp 1.422 (turun sebesar Rp 3.861) pada
tanggal 31 Desember 2018 dan naik sebesar
Rp 2.630 (turun sebesar Rp 4.692) pada tanggal
31 Desember 2017.
If the expected salary growth rate increases
(decreases) by 1%, the defined benefits obligation
would increase by Rp 1,422 (decrease by
Rp 3,861) as of December 31, 2018 and inrease
by Rp 2,630 (decrease by Rp 4,692) as of
December 31, 2017.
Analisis sensitivitas yang disajikan di atas mungkin tidak
mewakili perubahan yang sebenarnya dalam kewajiban
imbalan pasti mengingat bahwa perubahan asumsi
terjadinya tidak terisolasi satu sama lain karena beberapa
asumsi tersebut mungkin berkorelasi.
The sensitivity analysis presented above may not be
representative of the actual change in the defined
benefits obligation as it is unlikely that the change in
assumptions would occur in isolation of one another
as some of the assumptions may be correlated.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 71 -
34. LIABILITAS IMBALAN PASCA KERJA (lanjutan) 34. EMPLOYEE BENEFITS OBLIGATION (continued)
Selanjutnya, dalam menyajikan analisis sensitivitas di atas, nilai kini kewajiban imbalan pasti dihitung dengan menggunakan metode projected unit credit pada akhir periode pelaporan, yang sama dengan yang diterapkan dalam menghitung liabilitas manfaat pasti yang diakui dalam laporan posisi keuangan.
Furthermore, in presenting the above sensitivity analysis, the present value of the defined benefits obligation has been calculated using the projected unit credit method at the end of the reporting period, which is the same as that applied in calculating the defined benefits obligation recognized in the statement of financial position.
Tidak ada perubahan dalam metode dan asumsi yang digunakan dalam penyusunan analisis sensitivitas dari
tahun sebelumnya.
There was no change in the methods and assumptions used in preparing the sensitivity analysis from prior years.
Durasi rata-rata dari kewajian imbalan pada tanggal 31 Desember 2018 adalah 10 tahun (2017: 10,11 tahun).
The average duration of the benefit obligation at December 31, 2018 is 10 years (2017: 10.11 years).
Perhitungan imbalan pasca kerja untuk periode 31 Desember 2018 dan 2017 dihitung oleh PT Padma Raya Aktuaria, aktuaris independen dengan menggunakan asumsi utama sebagai berikut:
The cost of providing employee benefits as of December 31, 2018 and 2017 was calculated by an independent actuary, PT Padma Raya Aktuaria, respectively, using the following key assumptions:
2018 2017
Usia pensiun normal 55 tahun/years 55 tahun/years Normal pension age
Tingkat pengunduran diri 18% p.a. sampai usia 35
kemudian secara linier menurun
sampai 0% di usia 55/
18% p.a. at age 35 and decreases linearly
to 0% at age 55
18% p.a. sampai usia 35
kemudian secara linier menurun
sampai 0% di usia 55/
18% p.a. at age 35 and decreases linearly
to 0% at age 55
Resignation rate
Porsi dari pengunduran diri dipercepat 1,3% 1,3% Proportion of early retirement Tingkat diskonto per tahun 8,75% 6,75% Annual discount rate
Tingkat kenaikan gaji 5% 6% Future salary increment rate
Porsi pengambilan pensiun normal 100% 100% Normal retirement portion Tingkat kecacatan 5% TMI3 5% TMI3 Disability rate
35. SIFAT DAN TRANSAKSI BERELASI 35. NATURE OF RELATIONSHIP AND
TRANSACTIONS WITH RELATED PARTIES
Sifat Berelasi Nature of Relationship
a. PT MNC Investama Tbk adalah entitas induk
terakhir Bank a. PT MNC Investama Tbk is the ultimate parent of
the Bank
b. PT MNC Kapital Indonesia Tbk merupakan pemegang saham Bank
b. PT MNC Kapital Indonesia Tbk is a shareholder of the Bank
c. Pihak berelasi yang pemegang saham utamanya
sama dengan Bank: c. Related parties with the same majority stockholder
as the Bank:
PT MNC Asset Management PT MNC Asset Management
PT MNC Finance PT MNC Finance
PT MNC Sekuritas PT MNC Sekuritas
PT MNC Life Assurance PT MNC Life Assurance
PT MNC Asuransi Indonesia PT MNC Asuransi Indonesia
PT MNC Guna Usaha Indonesia PT MNC Guna Usaha Indonesia
PT Medan Nusantara Propertindo PT Medan Nusantara Propertindo
PT Riau Nusantara Propertindo PT Riau Nusantara Propertindo
PT Bandung Nusantara Propertindo PT Bandung Nusantara Propertindo
PT Semarang Nusantara Propertindo PT Semarang Nusantara Propertindo
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 72 -
35. SIFAT DAN TRANSAKSI BERELASI (lanjutan) 35. NATURE OF RELATIONSHIP AND
TRANSACTIONS WITH RELATED PARTIES
(continued)
Sifat Berelasi (lanjutan) Nature of Relationship (continued)
c. Pihak berelasi yang pemegang saham utamanya
sama dengan Bank: c. Related parties with the same majority stockholder
as the Bank:
PT Makasar Nusantara Propertindo PT Makasar Nusantara Propertindo
PT Jakarta Nusantara Propertindo PT Jakarta Nusantara Propertindo
PT Surabaya Nusantara Propertindo PT Surabaya Nusantara Propertindo
PT Palembang Nusantara Propertindo PT Palembang Nusantara Propertindo
PT Yogyakarta Nusantara Propertindo PT Yogyakarta Nusantara Propertindo
d. Pihak berelasi yang merupakan entitas dalam grup
yang sama:
d. Related parties which are entities that are
members of the same group:
Innoform Media Pte Ltd Innoform Media Pte Ltd
MNC International Ltd MNC International Ltd
PT MNC Lisensi Internasional PT MNC Lisensi Internasional
PT MNC Sekuritas PT MNC Sekuritas
PT MNC Televeisi Network PT MNC Televeisi Network
PT Bali Nirwana Resort PT Bali Nirwana Resort
PT Cipta Televisi Pendidikan Indonesia PT Cipta Televisi Pendidikan Indonesia
PT Flash Mobile Indonesia PT Flash Mobile Indonesia
PT GLD Property PT GLD Property
PT Global Informasi Bermutu PT Global Informasi Bermutu
PT Global Jasa Sejahtera PT Global Jasa Sejahtera
PT Infokom Elektrindo PT Infokom Elektrindo
PT Linktone Indonesia PT Linktone Indonesia
PT Media Nusantara Citra PT Media Nusantara Citra
PT Media Nusantara Informasi PT Media Nusantara Informasi
PT Mediate Indonesia PT Mediate Indonesia
PT MNC Energi PT MNC Energi
PT MNC GS Home Shopping PT MNC GS Home Shopping
PT MNC Infotainment Indonesia PT MNC Infotainment Indonesia
PT MNC Kabel Mediacom PT MNC Kabel Mediacom
PT MNC Land Tbk PT MNC Land Tbk
PT MNC Pictures PT MNC Pictures
PT MNC Sky Vision Tbk PT MNC Sky Vision Tbk
PT MNC Studios International PT MNC Studios International
PT Nuansa Cipta Coal Investama PT Nuansa Cipta Coal Investama
PT Nusadua Graha International PT Nusadua Graha International
PT Putra Muba Coal PT Putra Muba Coal
PT Rajawali Citra Televisi Indonesia PT Rajawali Citra Televisi Indonesia
PT Star Media Nusantara PT Star Media Nusantara
PT Global Mediacom Tbk PT Global Mediacom Tbk
Transaksi Berelasi Transactions with Related Parties
Dalam kegiatan usahanya, Bank juga mengadakan transaksi tertentu dengan pihak-pihak berelasi. Transaksi-transaksi tersebut meliputi antara lain:
In the course of business, the Bank entered into certain transactions with related parties. These transactions included, among others, the following:
1. Pemberian kredit dan penerimaan bunga (Catatan 11 dan 25).
1. Granting of loans and receipts of interest (Notes 11 and 25).
2. Penempatan dana dari pihak-pihak berelasi dalam bentuk simpanan dan pembayaran bunga (Catatan 17 dan 26).
2. Placements of funds by related parties in the form of deposits and payments of interest (Notes 17 and 26).
3. Pembelian kendaraan bermotor kepada PT MNC Finance (Catatan 21).
3. Purchase of motor vehicles from PT MNC Finance (Note 21).
4. Bank menyewa ruang kantor dari PT MNC Land Tbk dan PT GLD Property (Catatan 30).
4. The Bank rents office spaces from PT MNC Land Tbk and PT GLD Property (Note 30).
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 73 -
35. SIFAT DAN TRANSAKSI BERELASI (lanjutan) 35. NATURE OF RELATIONSHIP AND
TRANSACTIONS WITH RELATED PARTIES
(continued)
Transaksi Berelasi (lanjutan) Transactions with Related Parties (continued)
5. Aset tetap Bank, cash-in safe dan kesehatan
diasuransikan pada PT MNC Asuransi Indonesia dan PT MNC Life Assurance (Catatan 30).
5. The Bank’s premises, equipment, cash-in safe and health are insured with PT MNC Asuransi Indonesia dan PT MNC Life Assurance (Note 30).
6. Bank melakukan kegiatan promosi menggunakan jasa PT MNC Pictures, PT Mediate Indonesia dan PT
Media Nusantara Citra (Catatan 13 dan 30).
6. The Bank’s promotion activities used services from PT MNC Pictures, PT Mediate Indonesia and PT Media Nusantara Citra (Notes 13 and 30).
Persentase kredit, biaya dibayar dimuka dan setoran
jaminan dari pihak yang berelasi terhadap jumlah aset
adalah sebagai berikut:
The percentage of loans, prepaid expense and security
deposits from related parties to total assets are as
follows:
2018 2017
Nominal % Nominal %
Kredit-sebelum dikurangi
cadangan kerugian penurunan
nilai (Catatan 11)
Loans-gross of allowance
for impairment losses
(Note 11)
PT MNC Land Tbk 47.386 0,44 - - PT MNC Land Tbk
PT Global Mediacom Tbk 23.874 0,22 - - PT Global Mediacom Tbk
PT MNC Guna Usaha Indonesia 14.204 0,13 36.587 0,34 PT MNC Guna Usaha
Indonesia
Manajemen kunci 29.269 0,27 35.606 0,33 Manajemen kunci
PT MNC Finance 10.912 0,10 22.263 0,21 PT MNC Finance
PT Infokom Elektrindo 3.465 0,03 4.009 0,04 PT Infokom Elektrindo
Biaya dibayar dimuka (Catatan 13) Prepaid expenses (Note 13)
PT MNC Land Tbk 1.405 0,01 2.937 0,03 PT MNC Land Tbk
PT MNC Investama Tbk 746 0,01 1.114 0,01 PT MNC Investama Tbk
PT MNC Life Assurance 503 0,00 551 0,01 PT MNC Life Assurance
PT MNC Asuransi Indonesia 67 0,00 138 - PT MNC Asuransi Indonesia
PT GLD Property - - 5 - PT GLD Property
Setoran jaminan (Catatan 16) Security deposits (Note 16)
PT Mediate Indonesia 3.838 0,04 4.198 0,04 PT Mediate Indonesia
Medan Nusantara Propertindo 2.671 0,02 2.738 0,02 Medan Nusantara Propertindo
PT GLD Property 1.935 0,02 1.896 0,02 PT GLD Property
PT MNC Sky Vision Tbk 74 0,00 58 - PT MNC Sky Vision Tbk
PT MNC Investama Tbk 40 0,00 40 - PT MNC Investama Tbk
Jumlah 140.389 1,29 112.140 1,05 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 74 -
35. SIFAT DAN TRANSAKSI BERELASI (lanjutan) 35. NATURE OF RELATIONSHIP AND
TRANSACTIONS WITH RELATED PARTIES
(continued)
Transaksi Berelasi (lanjutan) Transactions with Related Parties (continued)
Persentase simpanan dan utang pembelian kendaraan
bermotor kepada pihak yang berelasi terhadap jumlah
liabilitas adalah sebagai berikut:
The percentage of deposits and purchase of motor
vehicles to related parties to total liabilities are as
follows:
2018 2017
Nominal % Nominal %
Simpanan (Catatan 17) 865.162 9,18 584.194 6,18 Deposits (Note 17)
Beban yang masih harus
dibayar (Catatan 20)
Accruals (Note 20)
PT GLD Property 507 0,01 152 - PT GLD Property
PT Infokom Elektrindo 89 0,00 208 - PT Infokom Elektrindo
PT Mediate Indonesia - - 3.264 0,03 PT Mediate Indonesia
PT Linktone Indonesia - - 1.000 0,01 PT Linktone Indonesia
PT MNC Land Tbk - - 809 0,01 PT MNC Land Tbk
PT MNC Sky Vision Tbk - - 15 - PT MNC Sky Vision Tbk
Utang pembelian kendaraan
bermotor (Catatan 21)
Payables for purchase of
motor vehicles (Note21)
PT MNC Finance 423 0,00 713 0,01 PT MNC Finance
Jumlah 866.181 9,19 590.355 6,24 Total
Persentase pendapatan bunga, beban bunga dan beban umum dan administrasi kepada pihak yang berelasi terhadap jumlah pendapatan bunga, beban bunga serta beban umum dan administrasi adalah sebagai berikut:
The percentage of interest income, interest expense and general administrative expense from related parties to total interest income, total interest expense and total general and administrative expense are as follows:
2018 2017
Rp % Rp %
Beban bunga 28.338 5,09 27.987 4,27 Interest expense
Beban sewa 18.156 7,65 18.038 7,13 Rental expense
Beban pengamanan 10.855 4,58 7.881 3,11 Security expense
Pendapatan bunga 7.646 0,83 10.855 1,09 Interest income
Beban listrik 2.034 0,86 1.889 0,75 Electricity expense
Beban transportasi dan sewa
kendaraan
1.302 0,55 594 0,23 Transportation and vehicle
rental expense
Beban asuranasi 830 0,35 942 0,37 Insurance expense
Beban Promosi 447 0,19 628 0,25 Promotion expense
Beban komunikasi data 398 0,17 275 0,11 Data communication expense
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 75 -
36. KOMITMEN DAN KONTINJENSI 36. COMMITMENTS AND CONTINGENCIES
2018 2017
Komitmen Commitments
Tagihan Komitmen Commitment Receivables
Pembelian berjangka valuta asing 45.894 181.731 Forwards foreign currencies purchased
Liabilitas Komitmen Commitment Liabilities
Fasilitas kredit kepada nasabah yang
belum digunakan
(106.224) (420.381) Unused facilities
L/C yang irrevocable dan masih
berjalan dalam rangka ekspor dan
impor
(65.372) (1.333) Outstanding irrevocable Letters of
Credit (L/C) for export and import
Penjualan tunai valuta asing yang
belum diselesaikan
(44.578) (181.795) Unsettled spot foreign currencies
sold
Jumlah Liabilitas Komitmen (216.174) (603.509) Total Commitment Liabilities
Jumlah Liabilitas Komitmen –bersih (170.280) (421.778) Total Commitment Liabilities – Net
Kontinjensi Contingencies
Tagihan Kontinjensi Contingent Receivables
Bank garansi - 8.141 Bank guarantee
Pendapatan bunga dalam penyelesaian 118.425 122.308 Past due interest revenues
Jumlah tagihan kontinjensi 118.425 130.449 Total contingent receivables
Liabilitas Kontinjensi Contingent Liabilities
Bank garansi (1.678) (11.533) Bank guarantee
Stand-by L/C - (8.141) Stand-by L/C
Jumlah liabilitas kontinjensi (1.678) (19.674) Total contingent liabilities
Jumlah Tagihan Kontinjensi -bersih 116.747 110.775 Total Contingent Receivables – Net
lainnya others
Kredit hapus buku (Catatan 11) 1.031.661 992.388 Loans written - off (Note 11)
37. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING
37. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES
Posisi aset dan liabilitas moneter dalam mata uang asing adalah sebagai berikut:
The balance of monetary assets and liabilities
denominated in foreign currencies are as follows:
2018 2017
Aset Assets
Kas 3.946 2.239 Cash
Giro pada Bank Indonesia 69.024 80.048 Demand deposits with Bank
Indonesia
Giro pada bank lain 120.004 165.610 Demand deposits with other
banks
Penempatan pada Bank Indonesia
dan bank lain
215.700 271.350 Placements with Bank Indonesia
and other banks
Kredit 289.130 292.368 Loans
Tagihan akseptasi 36.419 1.522 Acceptances receivable
Aset lain-lain 30.151 22.260 Other assets
Jumlah 764.374 835.397 Total
Cadangan kerugian penurunan nilai (6.918) (6.540) Allowance for impairment losses
Jumlah 757.456 828.857 Total
Liabilitas Liabilities
Liabilitas segera 1.578 798 Liabilities payable immediately
Simpanan 663.858 788.890 Deposits
Liabilitas akseptasi 36.419 1.522 Acceptances payable
Liabilitas lain-lain 1.534 2.390 Other liabilities
Jumlah 703.389 793.600 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 76 -
37. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING (lanjutan)
37. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES (continued)
Rincian aset dan liabilitas moneter dalam mata uang
asing pada tanggal 31 Desember 2018 dan 2017 adalah
sebagai berikut:
As of December 31, 2018 and 2017, the details of
monetary assets and liabilities denominated in foreign
currencies are as follows:
2018
Mata uang asing
(Nilai penuh)/
Foreign currency
(Full Amount)
Ekuivalen dalam Rp/
Equivalent in Rp
Aset Assets
Kas USD 208.140 2.993 Cash
SGD 90.246 953
Giro pada Bank Indonesia USD 4.800.000 69.024 Demand deposits with Bank
Indonesia
Giro pada Bank lain USD 7.764.426 111.652 Demand deposits with other
Banks
EUR 48.223 793
SGD 422.776 4.462
JPY 4.644.341 607
HKD 669.713 1.230
AUD 110.693 1.125
CNY 64.465 135
Penempatan pada Bank
Indonesia dan Bank lain
USD 15.000.000 215.700 Placement with Bank
Indonesia and Other Banks
Kredit USD 20.106.383 289.130 Loans
Tagihan akseptasi USD 2.532.627 36.419 Acceptances receivable
Aset lain-lain USD 2.096.732 30.151 Other assets
Jumlah 764.374 Total
Cadangan kerugian penurunan
nilai
USD (481.237) (6.918) Allow ance for impairment
losses
Jumlah aset 757.456 Total assets
Liabilitas Liabilities
Liabilitas segera USD 109.298 1.572 Liabilities payable immediately
SGD 140 1
AUD 530 5
Simpanan USD 45.576.960 655.396 Deposits
AUD 118.852 1.208
EUR 66.501 1.093
SGD 553.840 5.846
JPY 1.589.649 208
CNY 50.994 107
Liabilitas akseptasi USD 2.532.627 36.419 Acceptance payable
Liabilitas lain-lain USD 106.676 1.470 Other liabilities
JPY 60.000 7
EUR 72 1
AUD 83 1
SGD 551 6
HKD 1.600 3
CNY 21.889 46
Jumlah liabilitas 703.389 Total liabilities
Jumlah aset – bersih 54.067 Total assets – net
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 77 -
37. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING (lanjutan)
37. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES (continued)
2017
Mata uang asing
(Nilai penuh)/
Foreign currency
(Full Amount)
Ekuivalen dalam Rp/
Equivalent in Rp
Aset Assets
Kas USD 133.331 1.809 Cash
SGD 42.351 430
Giro pada Bank Indonesia USD 5.900.000 80.048 Demand deposits with Bank
Indonesia
Giro pada Bank lain USD 11.519.761 156.294 Demand deposits with other
Banks
SGD 413.935 4.203
JPY 12.541.922 1.512
EUR 89.581 1.454
HKD 707.274 1.228
AUD 73.720 781
CNY 60.388 138
Penempatan pada Bank
Indonesia dan Bank lain
USD 20.000.000 271.350 Placement with Bank
Indonesia and Other Banks
Kredit USD 21.549.187 292.368 Loans
Tagihan akseptasi USD 112.173 1.522 Acceptances receivable
Aset lain-lain USD 1.640.651 22.260 Other assets
Jumlah 835.397 Total
Cadangan kerugian penurunan
nilai
USD (482.338) (6.540) Allow ance for impairment
losses
Jumlah aset 828.857 Total assets
Liabilitas Liabilities
Liabilitas segera USD 58.824 798 Liabilities payable immediately
JPY 500 -
Simpanan USD 57.478.721 779.843 Deposits
SGD 557.595 5.662
EUR 120.296 1.953
AUD 79.015 837
JPY 4.947.137 595
Liabilitas akseptasi USD 112.173 1.522 Acceptance payable
Liabilitas lain-lain USD 174.522 2.368 Other liabilities
Lainnya/ 99.374 22
Other
Jumlah liabilitas 793.600 Total liabilities
Jumlah aset – bersih 35.257 Total assets – net
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 78 -
37. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING (lanjutan)
37. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES (continued)
Jumlah aset dan liabilitas moneter pada tanggal 31 Desember 2018 dengan menggunakan kurs 22 Februari 2019 masing-masing sebesar Rp 740.504 dan Rp 787.723.
The total monetary assets and liabilities on December 31, 2018 using the exchange rate on February 22, 2019 amounted to Rp 740,504 and Rp 787,723, respectively.
Kurs yang digunakan oleh Bank untuk menjabarkan aset dan liabilitas dalam mata uang asing adalah kurs Reuters jam 16.00 WIB dengan rincian sebagai berikut:
The foreign exchange rates used for assets and liabilities of the Bank denominated in foreign currencies were Reuters rates at 4:00 P.M. Western Indonesian Time as follows:
22 Februari/ 31 Desember/ December 31,
Foreign currencies Valuta asing February 22, 2019 2018 2017
Rp Rp Rp
1 Dollar Amerika Serikat 14.057,50 14.380,00 13.567,50 1 United States Dollar
1 Dollar Singapura 10.395,64 10.554,90 10.154,54 1 Singapore Dollar 1 Yen Jepang 126,90 130,62 120,52 1 Japanese Yen 1 Euro 15.954,56 16.440,66 16.236,22 1 Euro 1 Dollar Hongkong 1.791,05 1.836,28 1.736,21 1 Hongkong Dollar 1 Dollar Australia 10.002,62 10.162,35 10.594,19 1 Australian Dollar 1 Renminbi 2.092,50 2.090,00 2.081,00 1 Chinese Yuan
38. INFORMASI SEGMEN 38. SEGMENT INFORMATION
Bank melaporkan segmen-segmen sesuai kegiatan usaha berikut:
The Bank’s reportable segments based on the following business segments:
Segmen Operasi Operating Segments Segmen operasi Bank dibagi berdasarkan produk dan jasa sebagai berikut:
The Bank’s operating segment classified based on products and services, with details as follows:
Bisnis
Produk dan jasa yang diberkan kepada nasabah dan debitur korporasi.
Business Products and services provided to corporate customers and debtors.
Konsumer
Produk dan jasa yang diberikan kepada nasabah dan debitur perorangan.
Consumer Products and services provided to individual customers and debtors.
Treasuri Menyediakan layanan pasar uang, perdagangan, dan transaksi treasuri lainnya.
Treasury Providing money market, trading and treasury services.
Lainnya Merupakan transaksi yang tidak dapat dikelompokkan dalam kategori di atas.
Others Transactions that cannot be grouped in the above categories.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 79 -
38. INFORMASI SEGMEN (lanjutan) 38. SEGMENT INFORMATION (continued)
Segmen Operasi (lanjutan) Operating Segments (lanjutan)
Berikut ini adalah informasi segmen berdasarkan segmen
operasi:
The operating segment information is as follows:
2018
Bisnis/
Business
Konsumer/
Consumer
Treasuri/
Treasury
Lainnya/
Others
Jumlah/
Total
PENDAPATAN REVENUES Pendapatan bunga 526.619 311.437 79.815 42.385 960.256 Interest revenues
Pendapatan
operasional lainnya
41.861 16.916 5.042 173.978 237.797 Other operating
revenues
Jumlah 568.480 328.353 84.857 216.363 1.198.053 Total
BEBAN EXPENSES
Beban bunga (299.145) (240.615) (14.784) (18.241) (572.785) Interest expenses
Beban operasional 5.800 4.776 - (555.647) (545.071) Operating expenses
Jumlah (293.345) (235.839) (14.784) (573.888) (1.117.856) Total
Pendapatan (beban) non
operasional
- - - (797) (797) Non-operating revenues
(expenses)
Laba sebelum manfaat pajak
275.135 92.514 70.073 (358.322) 79.400 Income before tax benefit
Laba bersih
tahun berjalan
57.021 Net income for the
year Jumlah laba
komprehensif
43.084 Total comprehensive
income
INFORMASI
LAINNYA
OTHER
INFORMATION
ASET ASSETS
Penempatan pada Bank Indonesia
dan bank lain
- - - 890.483 890.483 Placements with Bank Indonesia
Efek-efek - - 927.423 - 927.423 Securities
Kredit - bersih 3.926.797 3.346.171 - - 7.272.968 Loans – net
Aset tetap – bersih - - - 48.137 48.137 Premises and
equipment – net
Aset lainnya 26.651 21.132 1.082 1.666.979 1.715.844 Other assets
Jumlah Aset 3.953.448 3.367.303 928.505 2.605.599 10.854.855 Total Assets
LIABILITAS LIABILITIES
Simpanan 7.824.340 645.616 - - 8.469.956 Deposits
Simpanan dari
bank lain
410.092 - - 330.000 740.092 Deposits from other
Banks
Liabilitas lainnya 42.008 287 3.393 169.129 214.817 Other liabilities
Jumlah
Liabilitas 8.276.440 645.903 3.393 499.129 9.424.865 Securities
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 80 -
38. INFORMASI SEGMEN (lanjutan) 38. SEGMENT INFORMATION (continued)
Segmen Operasi (lanjutan) Operating Segments (continued)
2017
Bisnis/
Business
Konsumer/
Consumer
Treasuri/
Treasury
Lainnya/
Others
Jumlah/
Total
PENDAPATAN REVENUES
Pendapatan bunga 570.351 298.471 114.270 38.455 1.021.547 Interest revenues
Pendapatan
operasional
lainnya
22.845 12.204 23.877 56.473 115.399 Other operating
revenues
Jumlah 593.196 310.675 138.147 94.928 1.136.946 Total
BEBAN EXPENSES
Beban bunga (336.283) (295.277) (22.000) (23.298) (676.858) Interest expenses
Beban
Operasional
(769.805) (50.883) (8.212) (548.188) (1.377.088) Operating expenses
Jumlah (1.106.088) (346.160) (30.212) (571.486) (2.053.946) Total
Pendapatan
(beban) non
operasional
2 1 - 10.927 10.930 Non-operating
revenues
(expenses) Rugi sebelum
manfaat pajak
(786.805) 238.431 116.147 (473.843) (906.070) Loss before tax
benefit
Rugi bersih tahun berjalan
(685.193) Net loss for the year
Jumlah rugi
Komprehensif
(675.859) Total comprehensive
loss
INFORMASI
LAINNYA
OTHER
INFORMATION
ASET ASSETS
Penempatan pada
Bank Indonesia
dan bank lain
- - 492.216 625.656 1.117.872 Placements with
Bank Indonesia
Efek-efek - - 1.101.137 - 1.101.137 Securities
Kredit – bersih 3.852.248 2.931.558 - - 6.783.806 Loans – net
Aset tetap – bersih - - - 55.113 55.113 Premises and equipment – net
Aset lainnya 24.038 14.353 20 1.609.755 1.648.166 Other assets
Jumlah Aset 3.876.286 2.945.911 1.593.373 2.290.524 10.706.094 Total Assets
LIABILITAS LIABILITIES
Simpanan 4.797.882 4.229.827 - - 9.027.709 Deposits
Simpanan dari
bank lain
197.257 - - - 197.257 Deposits from other
Banks Liabilitas lainnya 47.701 264 9.127 171.488 228.580 Other liabilities
Jumlah
Liabilitas 5.042.840 4.230.091 9.127 171.488 9.453.546 Securities
Informasi Wilayah Geografis Geographical Information
Seluruh kegiatan operasional Bank berada di wilayah negara Indonesia.
The Bank conducts its operational activities in Indonesia.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 81 -
39. JAMINAN PEMERINTAH TERHADAP KEWAJIBAN PEMBAYARAN BANK UMUM
39. GOVERNMENT GUARANTEE ON OBLIGATIONS
OF PRIVATE BANKS
Berdasarkan Salinan Peraturan Lembaga Penjamin Simpanan No. 2/PLPS/2014 pada tanggal 26 September 2005 tentang Program Penjaminan Simpanan yang menyatakan bahwa sejak tanggal 24 September 2014, Lembaga Penjamin Simpanan menjamin simpanan yang meliputi giro, deposito berjangka, sertifikat deposito, tabungan dan atau bentuk lain yang dipersamakan dengan itu yang merupakan simpanan yang berasal dari masyarakat termasuk yang berasal dari bank lain.
Based on “Lembaga Penjamin Simpanan” Regulation No. 2/PLPS/2014 dated September 26, 2005 regarding Deposit Guarantee Program, since September 24, 2014, the “Lembaga Penjamin Simpanan” will guarantee bank deposits including demand deposits, time deposits, certificate of deposits, savings deposit and other forms of deposits, including deposits from other banks.
Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66 tahun 2008 tanggal 13 Oktober 2008, yang menyatakan bahwa sejak tanggal 13 Oktober 2008 besaran nilai simpanan yang dijamin Lembaga Penjamin Simpanan untuk setiap nasabah pada satu bank yang semula maksimal Rp100 diubah menjadi maksimal Rp 2.000.
In accordance with Government Regulation No. 66 year 2008 dated October 13, 2008, starting October 13, 2008 the “Lembaga Penjamin Simpanan” will guarantee deposits of each customer in a bank which was previously set at a maximum of Rp100 and was changed to a maximum of Rp 2,000.
Beban premi penjaminan Pemerintah yang dibayar pada tahun 2018 dan 2017 masing-masing sebesar Rp 16.495 dan Rp 20.788.
The Government guarantee premium paid in 2018 and 2017 amounted to Rp 16,495 and Rp 20,788, respectively.
40. KLASIFIKASI DAN NILAI WAJAR ATAS ASET DAN LIABILITAS
40. CLASIFICATION AND FAIR VALUE OF ASSETS
AND LIABILITIES
Selain daripada yang disebutkan dalam tabel dibawah
ini, manajemen menilai bahwa nilai tercatat dari aset dan
liabilitas keuangan adalah hampir sama dengan nilai
wajarnya.
Except as detailed in the following table, the
management considers that the carrying amount of
financial assets and liabilities approximate their fair
values.
2018 2017
Catatan/
Notes
Nilai
tercatat/
Carrying
Amount
Nilai wajar/
Fair value
Nilai tercatat/
Carrying
Amount
Nilai wajar/
Fair value
Aset keuangan
Financial assets
Dimiliki hingga jatuh
tempo
Held-to-
maturity
Efek-efek 9 476.251 454.810 476.251 454.810 Securities
Pinjaman yang
diberikan dan
piutang
Loans and
receivable
Kredit – Bersih 11 7.272.968 7.320.746 6.783.806 6.822.231 Loans – Net
Jumlah Aset
Keuangan
7.749.219 7.775.556 7.260.057 7.277.041 Total Financial
Assets
Liabilitas keuangan Financial
liabilities
Biaya perolehan
diamortisasi
Amortized cost
Simpanan 17 8.469.956 8.441.804 9.027.709 9.060.986 Deposits
Simpanan dari bank
Lain
18 740.092 739.798 197.257 197.264 Deposits from
other banks
Jumlah Liabilitas
Keuangan
9.210.048 9.181.602 9.224.966 9.258.250 Total Financial
Liabilities
Selisih
(1.460.829) (1.406.046) (1.964.909) (1.981.209) Difference
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 82 -
40. KLASIFIKASI DAN NILAI WAJAR ATAS ASET DAN LIABILITAS (lanjutan)
40. CLASIFICATION AND FAIR VALUE OF ASSETS
AND LIABILITIES (continued)
Teknik penilaian dan asumsi yang diterapkan untuk
tujuan pengukuran nilai wajar
Valuation techniques and assumptions applied for the
purposes of measuring fair value
Nilai wajar aset keuangan dan non keuangan dan
liabilitas keuangan ditentukan sebagai berikut:
The fair value of financial assets and non financial
asset and financial liabilities are determined as
follows:
Manajemen menganggap bahwa nilai tercatat kas,
giro pada Bank Indonesia, giro pada bank lain,
penempatan pada Bank Indonesia dan bank lain,
pendapatan yang masih akan diterima, setoran
jaminan, simpanan, simpanan dari bank lain, bunga
yang masih harus dibayar, setoran jaminan dan
liabilitas keuangan lainnya dengan suku bunga tetap
yang diakui dalam laporan keuangan mendekati nilai
wajarnya karena jatuh tempo dalam jangka pendek
atau yang memiliki tingkat suku bunga pasar.
Management considers that the carrying amount of
cash, demand deposits with Bank Indonesia,
demand deposits with other banks, placements with
Bank Indonesia and other banks, accrued interest
receivable, security deposits, deposits, deposits
from other banks, accrued interest, margin deposits
and other financial instruments with floating
interest recognized in the financial statements
approximate their fair values either because of
their short-term maturities or they carry market
rates of interest.
Nilai wajar efek-efek dengan syarat dan kondisi
standar dan diperdagangkan di pasar aktif ditentukan
dengan mengacu pada kuotasi harga pasar.
Fair value of securities with standard terms and
conditions and traded on active markets are
determined with reference to quoted market prices.
Nilai wajar tagihan dan liabilitas derivatif diukur
dengan menggunakan kurs kuotasi dan kurva yield
yang berasal dari suku bunga kuotasi mencocokkan
jatuh tempo kontrak.
Fair value of derivative receivables and payables
are measured using quoted forward exchange rates
and yield curves derived from quoted interest rates
matching maturities of the contracts.
Nilai wajar aset keuangan dan liabilitas keuangan
lainnya (tidak termasuk yang dijelaskan di atas)
ditentukan sesuai dengan model penentuan harga
yang berlaku umum berdasarkan analisis discounted
cash flow menggunakan harga dari transaksi pasar
yang dapat diamati saat ini dan kutipan dealer untuk
instrumen sejenis.
Fair value of other financial assets and financial
liabilities (excluding those described above) are
determined in accordance with generally accepted
pricing models on discounted cash flow analysis
using prices from observable current market
transactions and dealer quotes for similar
instruments.
Tabel berikut ini memberikan kondisi dari nilai wajar
dari aset dan liabilitas yang dikelompokkan ke Level 1
sampai 3 didasarkan pada sejauh mana nilai wajar
diamati.
The following tables provide an analysis of fair value
of assets and liabilities, grouped into Levels 1 to 3
based on the degree to which the fair value is
observable.
2018
Level 1 Level 2 Level 3
Jumlah/
Total
Aset diukur pada nilai wajar Assets measured at fair value
Aset keuangan Financial assets
Tersedia untuk dijual Available-for-sale
Efek-efek 366.383 - - 366.383 Securities
Diperdagangkan Trading
Efek-efek 84.789 - - 84.789 Securities
Tagihan derivatif - 1.082 - 1.082 Derivative receivables
Sub jumlah 84.789 1.082 - 85.871 Sub total
Aset yang nilai wajarnya
diungkapkan
Assets for which fair
values are disclosed
Aset keuangan Financial assets
Dimiliki hingga jatuh tempo Held-to-maturity
Efek-efek 454.810 - - 454.810 Securities
Pinjaman yang diberikan dan
piutang Loans and receivable
Kredit – Bersih - - 7.320.746 7.320.746 Loans – Net
Jumlah Aset 905.982 1.082 7.320.746 8.227.810 Total Assets
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 83 -
40. KLASIFIKASI DAN NILAI WAJAR ATAS ASET DAN LIABILITAS (lanjutan)
40. CLASIFICATION AND FAIR VALUE OF ASSETS
AND LIABILITIES (continued)
2018
Level 1 Level 2 Level 3
Jumlah/
Total
Liabilitas diukur pada nilai
wajar
Liabilities measured at fair value
Liabilitas keuangan Financial liabilities
Diperdagangkan Trading
Liabilitas derivatif - - - - Derivative payables
Liabilitas yang nilai wajarnya
diungkapkan
Liabilities for which
fair value are disclosed
Liabilitas keuangan Financial liabilities
Biaya perolehan diamortisasi Amortized cost Simpanan - - 8.441.804 8.441.804 Deposits
Simpanan dari bank lain - - 739.798 739.798 Deposits from other banks
Jumlah Liabilitas - - 9.181.602 9.181.602 Total Liabilities
Selisih 905.982 1.082 (1.860.856) (953.792) Difference
2017
Level 1 Level 2 Level 3
Jumlah/
Total
Aset diukur pada nilai wajar Assets measured at fair value
Aset keuangan Financial assets Tersedia untuk dijual Available-for-sale
Efek-efek 490.140 - - 490.140 Securities
Diperdagangkan Trading
Efek-efek 134.746 - - 134.746 Securities
Tagihan derivatif - 20 - 20 Derivative receivables
Sub jumlah 134.746 20 - 134.766 Sub total
Aset yang nilai wajarnya
diungkapkan
Assets for which fair values are
disclosed
Aset keuangan Financial assets
Dimiliki hingga jatuh tempo Held-to-maturity
Efek-efek 454.810 - - 454.810 Securities
Pinjaman yang diberikan dan
Piutang Loans and receivable Kredit – Bersih - - 6.822.231 6.822.231 Loans – Net
Jumlah Aset 1.079.696 20 6.822.231 7.901.947 Total Assets
Liabilitas diukur pada nilai
wajar Liabilities measured at fair value
Liabilitas keuangan Financial liabilities
Diperdagangkan Trading
Liabilitas derivatif - 95 - 95 Derivative payables
Liabilitas yang
nilai wajarnya diungkapkan
Liabilities for which
fair value are disclosed
Liabilitas keuangan Financial liabilities
Biaya perolehan Diamortisasi Amortized cost
Simpanan - 9.060.986 9.060.986 Deposits
Simpanan dari bank lain - 197.264 197.264 Deposits from other banks
Jumlah Liabilitas - 95 9.258.250 9.258.345 Total Liabilities
Selisih 1.079.696 (75) (2.436.019) (1.356.398) Difference
Pada tahun 2018 dan 2017, tidak terdapat perpindahan
metode pengukuran nilai wajar dari level 1 menjadi level
2, dan sebaliknya.
In 2018 and 2017, there is no movement in fair value
measurement method from level 1 to level 2, and vice
versa.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 84 -
41. INFORMASI LAINNYA 41. OTHER INFORMATION
a. Rasio Kewajiban Penyediaan Modal Minimum a. Capital Adequacy Ratio
Kewajiban Penyediaan Modal Minimum pada tanggal
31 Desember 2018 dan 2017 dihitung berdasarkan
Peraturan Otoritas Jasa Keuangan (POJK) No.
11/POJK.03/2016 tanggal 26 Januari 2016 dan
perubahannya POJK No. 34/POJK.03/2016 tanggal
22 September 2016, tentang Kewajiban Penyediaan
Modal Minimum Bank Umum dimana bank wajib
membentuk tambahan modal minimum sesuai profil
risiko yang berfungsi sebagai penyangga (buffer)
yaitu Capital Conservation Buffer, Countercyclical
Buffer dan Capital Surcharge untuk Domestic
Systematically Important Bank.
Capital Adequacy Ratio (CAR) on
December 31, 2018 and 2017 is calculated based
on Financial Services Authority Regulation (POJK)
No. 11/POJK.03/2016 dated January 26, 2016 and
its amendment No. 34/POJK.03/2016 dated
September 22, 2016 regarding Capital Adequacy
Ratio of General Banks whereas banks should
establish additional minimum capital based on risk
profile which serves as a buffer, namely, Capital
Conservation Buffer, Countercyclical Buffer and
Capital Surcharge for Domestic Systemically
Important Bank.
Berdasarkan profil risiko Bank pada tanggal
31 Desember 2018 dan 2017, yaitu peringkat 3 (tiga),
maka KPMM minimum per 31 Desember 2018 dan
2017 ditetapkan masing-masing sebesar 10% sampai
dengan kurang dari 11%.
Based on the Bank’s risk profile, which is level 3
(three), as of December 31, 2018 and 2017, the
minimum CAR as of December 31, 2018 and 2017is
set to 10% to less than 11%.
Rasio kewajiban penyediaan modal Bank dengan
memperhatikan risiko kredit, risiko operasional dan
risiko pasar pada tanggal 31 Desember 2018 dan
2017 masing-masing dihitung sebagai berikut:
The Bank’s capital adequacy ratio with
consideration for credit, operational and market
risks as of December 31, 2018 and 2017, are as
follows:
2018 2017
Modal Capital
Modal Inti (Tier 1) 1.104.750 937.809 Core Capital (Tier 1)
Modal Pelengkap (Tier 2) 60.003 64.249 Supplementary Capital (Tier 2)
Jumlah Modal 1.164.753 1.002.058 Total Capital
Aset Tertimbang Menurut Risiko: Risk Weighted Assets:
untuk risiko kredit *) 6.257.297 7.060.407 *) for credit risk
untuk risiko operasional **) 853.378 750.430 **) for operational risk
untuk risiko pasar ***) 46.753 151.845 ***) for market risk
Jumlah ATMR 7.157.428 7.962.682 Total risk weighted assets
Rasio Kewajiban Penyediaan Modal Minimum Capital Adequacy Ratio for:
dengan memperhitungkan: Rasio CET 1 15,43% 11,78% Ratio CET 1
Rasio Tier 1 15,43% 11,78% Ratio Tier 1
Rasio Tier 2 0,84% 0,81% Ratio Tier 2
Rasio Total 16,27% 12,58% Total Ratio
Rasio Minimum Tier 1 6,00% 6,00% Minimum Ratio Tier 1
Rasio Minimum CET 1 4,50% 4,50% Minimum Ratio CET 1
KPMM minimum berdasarkan profil risiko 10,00%-11,00% 10,00%-11,00% Minimum CAR based on risk profile
CET 1 untuk Buffer 6,27% 2,58% CET 1 for buffer
Persentase buffer yang wajib dipenuhi oleh
bank The percentage of the buffer that must be
fulfilled by the Bank :
Capital Conservation Buffer 0,00% 0,00% Capital Conservation Buffer
Countercyclical Buffer 0,00% 0,00% Countercyclical Buffer
Capital Surcharge untuk Domestic Capital Surcharge for Domestic
Systemically Important Bank 0,00% 0,00% Systemically Important Bank
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 85 -
41. INFORMASI LAINNYA (lanjutan) 41. OTHER INFORMATION (continued)
a. Rasio Kewajiban Penyediaan Modal Minimum
(lanjutan)
a. Capital Adequacy Ratio (continued)
Pada tanggal 31 Desember 2018 dan 2017, Bank
telah memenuhi rasio sesuai yang disyaratkan oleh
Bank Indonesia untuk rasio kecukupan modal.
On December 31 2018 and 2017, the Bank has
complied with the requerements set by Bank
Indonesia for capital adequacy ratio.
*) Rasio ATMR untuk risiko kredit dihitung
berdasarkan Surat Edaran Otoritas Jasa
Keuangan No.42/SEOJK.03/2016 tanggal
29 September 2016.
*) Risk weighted assets ratio for credit risk
is calculated based on Surat
Edaran Otoritas Jasa Keuangan
No. 42/SEOJK.03/2016 dated
September 29, 2016.
**) Rasio ATMR untuk risiko pasar dihitung
berdasarkan Surat Edaran Otoritas Jasa
Keuangan No.38/SEOJK.03/2016 tanggal
8 September 2016.
**) Risk weighted assets ratio for market risk is
calculated based on Surat
Edaran Otoritas Jasa Keuangan
No. 38/SEOJK.03/2016 dated
September 8, 2016.
***) Rasio ATMR untuk risiko operasional dihitung
berdasarkan Surat Edaran Otoritas Jasa
Keuangan No.24/SEOJK.03/2016 tanggal
14 Juli 2016.
***) Risk weighted assets ratio for operational
risk is calculated based on Surat
Edaran Otoritas Jasa Keuangan
No.24/SEOJK.03/2016 dated July 14, 2016.
b. Rasio aset produktif yang diklasifikasikan terhadap
total aset produktif pada tanggal 31 Desember 2018
dan 2017 masing-masing sebesar 7,79% dan 5,08%.
b. The ratio of classified earning assets to total
earning assets as of December 31, 2018 and 2017
are 7.79% and 5.08%, respectively.
c. Berikut ini adalah informasi saldo penyediaan dana
kepada pihak berelasi per tanggal 31 Desember 2018
dan 2017 :
c. The following are the information of loans to
related parties as of December 31, 2018 and 2017 :
2018 2017
Kredit 129.110 98.465 Loans
Agunan deposito (back to back loans) (71.260) - Time deposits collateral (back to back loans)
Rekening administrative 7.715 1.801 Administrative accounts
Jumlah 65.565 100.266 Total
d. Batas maksimum pemberian kredit kepada pihak
berelasi per tanggal 31 Desember 2018 dan 2017
masing-masing sebesar Rp 116.475 dan Rp 100.206
(10% dari modal Bank).
d. Maximum legal lending limit for affiliates as of
December 31, 2018 and 2017 amounted to
Rp 116,475 and Rp 100,206 (10% of the Bank’s
capital), respectively.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 86 -
42. MANAJEMEN RISIKO 42. RISK MANAGEMENT
Kerangka Manajemen Risiko Risk Management Framework
Penerapan manajemen risiko di Bank berpedoman pada peraturan Bank Indonesia tentang Penerapan Manajemen Risiko bagi Bank Umum berikut perubahannya serta dokumen-dokumen dari Basel Committee on Banking Supervision, terutama konsep Basel Accord II.
The implementation of risk management of the Bank is guided by Bank Indonesia regulation on the Application of Risk Management for Commercial Banks and the changes as well as documents from the Basel Committee on Banking Supervision, particularly the concept of Basel Accord II.
Pengelolaan risiko di Bank mencakup seluruh jenis risiko dari semua aktivitas fungsional Bank berdasarkan kebutuhan akan keseimbangan antara pertumbuhan usaha dengan pengelolaan risikonya.
Risk management within the Bank covers all types of risks in all functional activities of the Bank, based on demand to stabilize between the growth of the Bank’s business and risk management.
Untuk mengakomodasi tren perbankan dan pertumbuhan bisnis, Bank secara terus menerus melakukan evaluasi secara berkala dan mengembangkan serta meningkatkan kerangka sistem pengelolaan risiko perusahaan terpadu dan struktur pengendalian internal yang komprehensif, agar dapat memberikan informasi secara dini mengenai terdapatnya potensi risiko kepada manajemen, sehingga manajemen dapat mengambil langkah-langkah yang memadai untuk meminimalisasi dampak risiko tersebut. Kerangka manajemen risiko perusahaan terpadu tersebut dituangkan dalam kebijakan, prosedur, batas-batas transaksi, kewenangan dan ketentuan lain serta berbagai perangkat manajemen risiko, yang berlaku di seluruh lingkup aktivitas fungsional.
To accomodate the growing trend of banking and business growth, the Bank continually evaluates on a regular basis, develops and also improves the framework of integrated enterprise risk management system and a comprehensive internal control structure, in order to give management a precaution of potential risk and to take an appropriate action to minimize the impact of the risk. The integrated enterprise risk management framework stated in the policies, procedures, transaction limits, authority and other provisions, and risk management tools, apply within the functional activities.
Selain itu Bank juga menerapkan kerangka manajemen risiko perusahaan terpadu yang merupakan sarana untuk menentukan strategi, organisasi, kebijakan dan pedoman untuk memastikan bahwa semua risiko yang dihadapi Bank dapat dikenali, diukur, diatasi dan dilaporkan dengan baik.
Furthermore, the Bank uses the integrated enterprise risk management framework as a tool to determine strategy, organization, policies and guidelines to ensure that all risks faced by the Bank can be identified, measured, mitigated and reported properly.
Bank memiliki Komite Manajemen Risiko di level Direksi dan Komite Pemantau Risiko di level Dewan Komisaris untuk menentukan kebijakan dan membahas permasalahan risiko yang dihadapi Bank secara keseluruhan.
The Bank has a Risk Management Committee under the Board of Directors and Risk Oversight Committee under the Board of Commissioners to determine the overall policies and discuss the risk faced by the Bank.
Selain komite-komite tersebut, terdapat komite-komite lain yang bertugas untuk menangani risiko-risiko secara lebih spesifik, antara lain: komite kredit, komite manajemen aset dan kewajiban (ALCO), komite tata kelola produk, komite spesial aset manajemen dan komite pengarah teknologi informasi.
In addition to those committees, there are several other committees responsible for handling the risks that are more specific, among others: credit committee, asset and liability management committee (ALCO), product committee, special assets management committee and information technology steering committee.
Terkait dengan produk atau aktivitas bisnis baru, penilaian risiko dilakukan untuk memastikan bahwa semua risiko telah diidentifikasi, dinilai dan dimitigasi secara tepat.
In relation to new product or business activity, risk assessment is conducted to ensure that all risks have been identified, assessed and mitigated appropriately.
Secara berkala, Bank membuat profil risiko yang mencerminkan tingkat risiko yang dimiliki Bank berdasarkan 8 (delapan) jenis risiko yang ditetapkan Otoritas Jasa Keuangan.
On a regular basis, the Bank prepares a risk profile that reflects the Bank’s 8 (eight) types of risks set by Financial Services Authority.
Manajemen Risiko Kredit Credit Risk Management
Risiko kredit diartikan sebagai risiko kerugian akibat kegagalan debitur atau pihak lain dalam memenuhi kewajibannya pada saat jatuh tempo. Risiko kredit dikelola baik pada tingkat transaksi maupun portofolio. Pengelolaan risiko kredit dirancang untuk menjaga independensi dan integritas proses penilaian risiko, serta diversifikasi risiko kredit.
Credit risk is defined as the risk of suffering losses due to failure of debtors or other parties to fulfill their obligations at the maturity date. This risk is managed both at the transaction and portfolio levels. Credit risk management are designed to preserve the independence and integrity of the risk assessment process, and also to avoid risk concentration.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 87 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Manajemen Risiko Kredit (lanjutan) Credit Risk Management (continued)
Kebijakan manajemen dalam pemberian kredit didasarkan pada prinsip kehati-hatian, yang meliputi:
The Bank’s lending policy is governed by prudent principles, consisting of:
a. Menghindari pemberian kredit pada debitur yang mengandung risiko tinggi, tujuan usaha yang bersifat spekulatif atau usaha dimana Bank tidak memiliki pengalaman atau keahlian signifikan dalam menilai dan menghindari pemberian kredit pada debitur yang bermasalah, tidak terbatas pada debitur yang namanya tercantum dalam daftar hitam Otoritas Jasa Keuangan.
a. Avoid granting of loans to debtors who are assessed as high risk, speculative, or businesses which the Bank is not familiar with or does not have significant knowledge, and avoid granting of loans to troubled debtors, in addition to those registered in Financial Services Authority’s black list.
b. Menghindari konsentrasi pemberian kredit hanya di satu sektor ekonomi.
b. Avoid concentration of loans to specific economic sectors.
c. Melakukan pemantauan dan pemeriksaan yang ketat, berkala dan terus menerus pada kredit yang telah disalurkan.
c. Thoroughly, regularly and continuously review and evaluate loans granted.
Bank telah mengimplementasikan manajemen risiko kredit yang mencakup penetapan prosedur dan kebijakan kredit, pengaturan limit dan mengevaluasinya secara berkala untuk memastikan bahwa seluruh risiko yang mungkin timbul dari kegiatan pemberian kredit telah tercakup, serta menerapkan prinsip “Four Eyes Principle” secara konsisten. Bank telah melaksanakan pengelolaan portofolio kredit secara konsisten dan berkelanjutan serta melaporkannya kepada manajemen senior dan Dewan Komisaris secara berkala.
The Bank has implemented credit risk management which covers setting up procedures and credit policies, determining limit and conducting regular evaluation to ensure that all potential risks have been covered, and apply the “Four Eyes Principle” consistently. The Bank has managed its credit portfolio continuously in a consistent basis and reports to the senior management and Board of Commissioners regularly.
Agunan Collateral
Bank menerapkan kebijakan untuk memitigasi risiko kredit, antara lain dengan meminta agunan sebagai jaminan pelunasan kredit jika jaminan berupa sumber pembayaran utama debitur berdasarkan arus kas tidak terpenuhi. Jenis agunan yang dapat diterima dalam rangka memitigasi risiko meliputi kas, tanah dan/atau bangunan, mesin, kendaraan bermotor, piutang dagang, persediaan, dan kapal.
The Bank applies policies to mitigate credit risk by taking collateral to secure the repayment of loan if the primary source of debtor’s payment is no longer available. Collateral types that can be used to mitigate the risk include cash, land and/or buildings, machineries, vehicles, accounts receivable, inventories, and vessels.
Untuk meminimalisir kerugian kredit, Bank akan meminta tambahan agunan dari debitur ketika terdapat penurunan nilai atas agunan untuk pinjaman yang terkait. Perkiraan nilai wajar dari agunan yang digunakan oleh Bank didasarkan pada nilai agunan yang dinilai oleh penilai internal maupun eksternal.
In order to minimize the credit loss, the Bank will require additional collaterals from the debtor when lower value in the collaterals are identified for the related loans. The fair value of collateral is assessed based on internal and/or external appraisals.
2018
Korporasi/
Corporate
Ritel/
Retail
Mikro/
Micro
Kredit
pemilikan
rumah/
Mortgage
Lainnya/
Others
Jumlah/
Total
Eksposur kredit 3.747.338 162.604 134.631 1.648.765 1.818.295 7.511.633 Credit exposure
Nilai agunan *) 11.495.995 451.069 36.366 3.784.943 2.572.351 18.340.724 Collateral value *)
Jumlah
eksposur kredit
tanpa agunan
- - - - 689.842 689.842 Total unsecured
credit exposure
Porsi eksposur kredit tanpa
agunan (%)
- - - - 37,94% 9,18% Unsecured portion of
credit exposure
(%)
Jenis agunan: Types of
collateral
Kas (deposito
dan
tabungan)
660.355 38.558 - 162 1.000 700.075 Cash (time
deposits and
saving deposits)
Tanah
dan/atau bangunan
5.699.563 353.896 36.366 3.781.280 200.833 10.071.938 Land and/or
building
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 88 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Manajemen Risiko Kredit (lanjutan) Credit Risk Management (continued)
2018
Korporasi/
Corporate
Ritel/
Retail
Mikro/
Micro
Kredit
pemilikan
rumah/
Mortgage
Lainnya/
Others
Jumlah/
Total
Mesin-mesin 496.053 5.109 - - - 501.162 Machineries
Kendaraan 581.391 - - - 2.369.519 2.950.910 Vehicles
Piutang usaha 2.633.135 46.439 - - - 2.679.574 Accounts
Receivable Persediaan 422.993 6.167 - - - 429.160 Inventories
Kapal 18.250 - - - - 18.250 Vessels
Lainnya 984.255 900 - 3.500 1.000 989.655 Others
Jumlah 11.495.995 451.069 36.366 3.784.942 2.572.352 18.340.724 Total
*) Berdasarkan penilaian yang dilakukan Bank/Based on Bank's assessment
2017
Korporasi/
Corporate
Ritel/
Retail
Mikro/
Micro
Kredit
pemilikan
rumah/
Mortgage
Lainnya/
Others
Jumlah/
Total
Eksposur kredit 3.924.688 181.504 20.063 1.712.609 1.276.058 7.114.922 Credit exposure Nilai agunan *) 12.125.271 499.575 60.547 3.475.104 1.734.021 17.894.518 Collateral value *)
Jumlah
eksposur kredit
tanpa agunan
- - - - 637.659 637.659 Total unsecured
credit exposure
Porsi eksposur
kredit tanpa
agunan (%)
49,97% 8,96% Unsecured
portion of
credit exposure (%)
Jenis agunan: Types of
Collateral
Kas (deposito
dan tabungan)
82.683 17.966 - 197 1.500 102.346 Cash (time
deposits and
saving deposits)
Tanah
dan/atau
bangunan
6.778.995 378.782 60.337 3.474.907 131.576 10.824.597 Land and/or
Building
Mesin-mesin 541.289 7.331 - - - 548.620 Machineries
Kendaraan 69.012 315 210 - 1.599.422 1.668.959 Vehicles
Piutang usaha 3.697.190 89.388 - - - 3.786.578 Accounts
receivable
Persediaan 343.649 5.793 - - - 349.442 Inventories
Kapal 19.870 - - - - 19.870 Vessels
Lainnya 592.583 - - - 1.523 594.106 Others
Jumlah 12.125.271 499.575 60.547 3.475.104 1.734.021 17.894.518 Total
*) Berdasarkan penilaian yang dilakukan Bank/Based on Bank's assessment
Eksposur Maksimum Risiko Kredit Maximum Exposure to Credit Risk
Tabel berikut menyajikan eksposur maksimum Bank
terhadap risiko kredit (sebelum dikurangi cadangan
kerugian penurunan nilai) untuk instrumen keuangan
pada laporan posisi keuangan maupun rekening
administratif dengan memperhitungkan agunan yang
dimiliki atau perlindungan kredit lainnya.
The following table presents the Bank’s maximum
exposure to credit risk (before deducting allowance for
impairment losses) on statements of financial position
and administrative accounts, taking into account any
collateral held or other credit enhancement.
2018 2017
Laporan posisi keuangan Statements of financial position
Giro pada Bank Indonesia 408.893 603.840 Demand deposits with Bank Indonesia
Giro pada bank lain 257.890 192.564 Demand deposits with other banks
Penempatan pada Bank
Indonesia dan bank lain
890.483 1.117.872 Placements with Bank Indonesia and
other banks
Efek-efek 927.423 1.101.137 Securities
Tagihan derivatif 1.082 20 Derivative receivables
Kredit yang diberikan 7.511.633 7.114.922 Loans
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 89 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Eksposur Maksimum Risiko Kredit (lanjutan) Maximum Exposure to Credit Risk (continued)
2018 2017
Laporan posisi keuangan
(lanjutan) Statements of financial position
(continued)
Tagihan akseptasi 36.419 1.522 Acceptances receivable
Aset lain-lain 99.770 81.965 Other assets
Jumlah 10.133.593 10.213.842 Total
Komitmen dan kontinjensi Commitments and contingencies
Fasilitas kredit kepada nasabah
yang belum digunakan
106.224 420.381
Unused loan facilities granted
L/C yang irrevocable dan masih
berjalan
65.372 1.333 Outstanding irrevocable letters of
Credit
Bank garansi yang diterbitkan 1.678 11.533 Bank guarantees issued
Jumlah 173.274 433.247 Total
Risiko konsentrasi kredit Credit risk concentration
Risiko konsentrasi kredit timbul ketika sejumlah nasabah
yang memiliki aktivitas usaha yang serupa atau memiliki
kemiripan karakteristik yang akan menyebabkan
kemampuan nasabah dalam memenuhi kewajiban
kontraktualnya dipengaruhi oleh perubahan kondisi
ekonomi dan kondisi lainnya.
Credit risk concentration arises when several customers
have similar business activities or similar
characteristics wherein the customers’ ability to meet
their contractual obligation is affected by the change of
economic other conditions.
Berikut ini adalah tabel dari konsentrasi aset keuangan
dan rekening administratif berdasarkan jenis
counterparty (sebelum dikurangi cadangan kerugian
penurunan nilai):
The following tables present the financial assets and
administrative account concentration by type of
counterparty (before deducting allowance for
impairment losses):
2018
Pemerintah dan
Bank Indonesia/
Government and
Bank Indonesia
Bank lain/
Other banks
Korporasi dan
perseorangan/
Corporate and
Personal Jumlah/Total
Giro pada Bank Indonesia
408.893 - - 408.893 Demand deposits with Bank Indonesia
Giro pada bank lain - 257.890 - 257.890 Demand deposits with
other banks Penempatan pada
Bank Indonesia
dan bank lain
825.583 64.900 - 890.483 Placements with Bank
Indonesia and other
banks
Efek-efek 750.878 48.039 128.506 927.423 Securities
Tagihan derivatif - - 1.082 1.082 Derivative receivables
Kredit - 3.707 7.507.926 7.511.633 Loans Tagihan akseptasi - - 36.419 36.419 Acceptances receivable
Aset lain-lain 8.760 54.996 36.014 99.770 Other assets
Komitmen dan kontinjensi
- 1.793 171.481 173.274 Commitments and contingencies
Jumlah 1.994.114 431.325 7.881.428 10.306.867 Total
2017
Pemerintah dan
Bank Indonesia/
Government and
Bank Indonesia
Bank lain/
Other banks
Korporasi dan
perseorangan/
Corporate and
Personal Jumlah/Total
Giro pada Bank
Indonesia
603.840 - - 603.840 Demand deposits with
Bank Indonesia Giro pada bank lain - 192.564 - 192.564 Demand deposits with
other banks
Penempatan pada Bank Indonesia
dan bank lain
923.550 194.322 - 1.117.872 Placements with Bank Indonesia and other
banks
Efek-efek 906.981 - 194.156 1.101.137 Securities
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 90 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko konsentrasi kredit (lanjutan) Credit risk concentration (continued)
Berikut ini adalah tabel dari konsentrasi aset keuangan
dan rekening administratif berdasarkan jenis
counterparty (sebelum dikurangi cadangan kerugian
penurunan nilai) (lanjutan):
The following tables present the financial assets and
administrative account concentration by type of
counterparty (before deducting allowance for
impairment losses) (continued):
2017
Pemerintah dan
Bank Indonesia/
Government and
Bank Indonesia
Bank lain/
Other banks
Korporasi dan
perseorangan/
Corporate and
Personal Jumlah/Total
Tagihan derivatif - 20 - 20 Derivative receivables
Kredit - 3.226 7.111.696 7.114.922 Loans
Tagihan akseptasi - - 1.522 1.522 Acceptances receivable Aset lain-lain 7.313 265 74.387 81.965 Other assets
Komitmen dan
kontinjensi - 86 433.161 433.247
Commitments and
contingencies
Jumlah 2.441.684 390.483 7.814.922 10.647.089 Total
Berikut ini adalah konsentrasi risiko kredit maksimum
berdasarkan wilayah geografis adalah sebagai berikut:
The following table presents the maximum credit risk
concentration by geographical area are as follows:
2018
Jakarta
Jawa
Barat/
West Java
Jawa Tengah
dan
Jogjakarta/
Central Java
and
Jogjakarta
Jawa Timur dan
Bali/ East Java
and Bali Sumatera
Indonesia
Timur/ East
Indonesia Jumlah/Total
Giro pada
Bank
Indonesia
408.893 - - - - - 408.893 Demand
deposits with
Bank
Indonesia
Giro pada
bank lain
257.890 - - - - - 257.890 Demand
deposits with
other
banks
Penempatan
pada Bank
Indonesia
dan bank
lain
890.483 - - - - - 890.483 Placements
with Bank
Indonesia
and
other banks
Efek-efek 927.423 - - - - - 927.423 Securities
Tagihan
derivatif
1.082
- - - - - 1.082 Derivative
Receivables
Kredit 5.053.762 159.472 763.079 1.106.919 214.500 213.901 7.511.633 Loans
Tagihan
akseptasi
- - 36.419 - - - 36.419 Acceptances
receivable
Aset lain-lain 75.976 1.229 5.669 15.185 944 767 99.770 Other assets
Fasilitas
kredit
kepada
nasabah
yang
belum
digunakan
66.671 1.098 18.203 5.524 11.984 2.744 106.224 Unused loan
facilities
granted
L/C yang
irrevocable
dan masih
berjalan
- - 65.372 - - - 65.372 Outstanding
irrevocable
letters of
credit
Bank garansi
yang
diterbitkan
748 - - - - 930 1.678 Bank
guarantees
issued
Jumlah 7.682.928 161.799 888.742 1.127.628 227.428 218.342 10.306.867 Total
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 91 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko konsentrasi kredit (lanjutan) Credit risk concentration (continued)
2017
Jakarta
Jawa
Barat/
West Java
Jawa Tengah
dan
Jogjakarta/
Central Java
and
Jogjakarta
Jawa Timur dan
Bali/ East Java
and Bali Sumatera
Indonesia
Timur/ East
Indonesia Jumlah/Total
Giro pada
Bank
Indonesia
603.840 - - - - - 603.840 Demand
deposits with
Bank
Indonesia
Giro pada
bank lain
192.564 - - - - - 192.564 Demand
deposits with
other
banks
Penempatan
pada Bank
Indonesia
dan bank
lain
1.117.872 - - - - - 1.117.872 Placements
with Bank
Indonesia
and
other banks
Efek-efek 1.101.137 - - - - - 1.101.137 Securities
Tagihan
derivatif
20 - - - - - 20 Derivative
receivables
Kredit 4.521.832 164.453 712.443 1.163.637 355.795 196.762 7.114.922 Loans
Tagihan
akseptasi
1.522 - - - - - 1.522 Acceptances
receivable
Aset lain-lain 67.259 618 5.003 7.207 1.197 681 81.965 Other assets
Fasilitas
kredit
kepada
nasabah
yang belum
digunakan
191.092 113.104 48.274 57.757 4.771 5.383 420.381 Unused loan
facilities
granted
L/C yang
irrevocable
dan masih
berjalan
1.333 - - - - - 1.333 Outstanding
irrevocable
letters of
credit
Bank garansi
yang
diterbitkan
5.598 85 - - 4.500 1.350 11.533 Bank
guarantees
issued
Jumlah 7.804.069 278.260 765.720 1.228.601 366.263 204.176 10.647.089 Total
Kualitas Kredit Berdasarkan Kelas Aset Keuangan Credit Quality by Class of Financial Assets
Sebagai bagian dari manajemen risiko kredit, Bank
mengadopsi bobot risiko dalam perhitungan aset
tertimbang menurut risiko untuk mengukur kualitas
kredit dari aset keuangan. Pedoman perhitungan bobot
risiko dalam ATMR risiko kredit mengacu kepada Surat
Edaran Otoritas Jasa Keuangan No. 42/SEOJK-03/2016.
As part of its credit risk management, the Bank adopts a
risk weighting in the calculation of credit risk weighted
assets to measure the credit quality of financial assets.
Guidelines for the calculation of risk weight in the
credit risk weighted assets are stated in Otoritas Jasa
Keuangan Circular Letter No. 42/SEOJK-03/2016.
Kualitas kredit aset keuangan berdasarkan bobot risiko
diklasifikasikan sebagai berikut:
Credit quality of financial assets classified by risk
weights is as follows:
Grade A = bobot risiko 0% Grade A = risk weight 0%
Grade B = bobot risiko 20% Grade B = risk weight 20%
Grade C = bobot risiko 35% Grade C = risk weight 35%
Grade D = bobot risiko 50% Grade D = risk weight 50%
Grade E = bobot risiko 75% Grade E = risk weight 75%
Grade F = bobot risiko 100% Grade F = risk weight 100%
Grade G = bobot risiko 150% Grade G = risk weight 150%
Kelas aset keuangan di atas adalah untuk aset keuangan
yang belum jatuh tempo dan tidak mengalami penurunan
nilai.
The above credit quality classification are for neither
past due nor impaired financial assets.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 92 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Kualitas Kredit Berdasarkan Kelas Aset Keuangan
(lanjutan)
Credit Quality by Class of Financial Assets (continued)
Untuk aset keuangan yang sudah jatuh tempo dibagi
menjadi dua bagian yaitu:
Overdue financial assets are segregated into two
groups, which are:
a. Telah jatuh tempo tetapi tidak mengalami penurunan
nilai
a. Past due but not impaired
b. Mengalami penurunan nilai b. Impaired
Tabel di bawah ini menyajikan kualitas aset keuangan
berdasarkan kelas risiko kredit, jumlah yang disajikan
adalah sebelum dikurangi cadangan kerugian penurunan
nilai.
The tables below show the quality of financial assets
with credit risk by class. The amounts presented are
gross of allowance for impairment losses.
2018
Belum jatuh tempo dan tidak mengalami penurunan nilai/
Neither past due nor impaired
Telah
jatuh
tempo
tetapi tidak
mengalami
penurunan
nilai/ Past
due but not
impaired
Mengalami
penurunan
nilai/
Impaired
Jumlah/
Total
A B C D E F
Aset
keuangan
Financial
Assets
Kas 173.207 - - - - - - - 173.207 Cash
Giro pada
Bank
Indonesia
408.893 - - - - - - - 408.893 Demand
deposits
with Bank
Indonesia
Giro pada
bank lain
- 257.875 - 15 - - - - 257.890 Demand
deposits with
other banks
Penempatan
pada Bank
Indonesia dan
bank lain
825.584 30.000 - 34.899 - - - - 890.483 Placements
with Bank
Indonesia
and other
banks
Efek-efek 750.877 136.537 - 40.009 - - - - 927.423 Securities
Tagihan
derivatif
1.082 - - - - - - -
1.082 Derivatives
receivable
Kredit yang
diberikan
- 805.459 135.116 29.859 2.098.357 4.013.465 - 429.377 7.511.633 Loans
Tagihan
akseptasi
- - - - - 36.419 - - 36.419 Acceptances
receivable
Aset
lain-lain
- - - 7.190 - 92.580 - - 99.770 Other assets
Jumlah 2.159.643 1.229.871 135.116 111.972 2.098.357 4.142.464 - 429.377 10.306.800 Total
2017
Belum jatuh tempo dan tidak mengalami penurunan nilai/
Neither past due nor impaired
Telah jatuh
tempo
tetapi tidak
mengalami
penurunan
nilai/ Past
due but not
impaired
Mengalami
penurunan
nilai/
Impaired
Jumlah/
Total
A B C D E F
Aset
keuangan Financial
Assets
Kas 121.769 - - - - - - - 121.769 Cash
Giro pada
Bank
Indonesia
603.840 - - - - - - - 603.840 Demand
deposits
with Bank
Indonesia
Giro pada
bank lain
- 192.562 - 2 - - - - 192.564 Demand
deposits with
other banks
Penempatan
pada Bank
Indonesia dan
bank lain
923.550 150.000 - 44.322 - - - - 1.117.872 Placements
with Bank
Indonesia
and other
banks
Efek-efek 963.095 11.041 - - - 127.001 - - 1.101.137 Securities
Tagihan
derivatif
20 - - - - - - - 20 Derivatives
receivable
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 93 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Kualitas Kredit Berdasarkan Kelas Aset Keuangan
(lanjutan)
Credit Quality by Class of Financial Assets (continued)
2017
Belum jatuh tempo dan tidak mengalami penurunan nilai/
Neither past due nor impaired
Telah jatuh
tempo
tetapi tidak
mengalami
penurunan
nilai/ Past
due but not
impaired
Mengalami
penurunan
nilai/
Impaired
Jumlah/
Total
A B C D E F
Aset keuangan
(lanjutan)
Financial
assets
(continued)
Kredit yang
diberikan
- - 23.532 106.775 2.209.477 4.260.546 - 514.592 7.114.922 Loans
Tagihan
akseptasi
- - - - - 1.522 - - 1.522 Acceptances
receivable
Aset
lain-lain
- - - - - 81.965 - - 81.965 Other assets
Jumlah 2.612.274 353.603 23.532 151.099 2.209.477 4.471.034 - 514.592 10.335.611 Total
Risiko Pasar Market Risk
Risiko pasar adalah risiko pada posisi neraca dan
rekening administratif termasuk transaksi derivatif, akibat
perubahan secara keseluruhan dari kondisi pasar,
termasuk risiko perubahan harga option.
Market risk is the risk on the balance sheet and off
balance sheet position including derivative transactions
due to the overall changes of the market condition,
including the option price risk changes.
Bank menggunakan standar model untuk menghitung dan
memantau risiko pasar sesuai Peraturan Otoritas Jasa
Keuangan No. 11/POJK.03/2016 tentang kewajiban
penyediaan modal minimum. Hasil perhitungan risiko
pasar yang berdampak terhadap rasio kewajiban
penyediaan modal minimum dilaporkan kepada Dewan
Komisaris, Direksi dan manajemen senior secara berkala.
The Bank employs the standard model to calculate and
monitor its market risks in line with OJK regulation No.
11/POJK.03/2016 concerning capital adequacy ratio.
The result of calculation of market risk affecting its
capital adequacy ratio are reported to the Board of
Commissioners, Board of Directors and senior
management in the regular meetings
Tujuan utama manajemen risiko untuk risiko pasar adalah
untuk meminimalkan kemungkinan dampak negatif
akibat perubahan kondisi pasar terhadap aset dan
permodalan Bank.
The main purpose of risk management for market risk is to minimize the possibility of negative impact due to the changes of market condition on Bank’s assets and equity.
Pengelolaan risiko pasar Managing market risk
Bank mengelola risiko pasar yang inheren pada portofolio
trading book dan banking book menggunakan
pengukuran sebagai berikut:
The Bank manages market risk inherent in the trading book and banking book through:
Sensitivitas dari posisi atau portofolio terhadap perubahan faktor risiko pasar yang mempengaruhinya;
The sensitivity of the position or portfolio to a movement in the market risk factor to which it is exposed;
Maksimal perubahan dari faktor risiko pasar dalam horison waktu tertentu dengan tingkat keyakinan tertentu; pengukuran yang dimaksud ini adalah volatilitas.
The maximum expected movement in the market risk factor for a given time horizon at a specified level of confidence; a measure referred to as factor volatility.
Sebagai tambahan dari pendekatan tersebut, Bank juga
melakukan stress testing analysis untuk mengetahui
kemampuan Bank dalam menghadapi pergerakan atau
kondisi pasar yang tidak normal.
Supplementary to the above approach, the Bank also performs stress testing analysis, a proactive measure of the Bank’s capability to withstand abnormal market volatility or condition.
Risiko suku bunga Interest rate risk
Pengelolaan risiko pasar dilakukan dengan berbagai
analisa risiko dan limit.
Managing market risk is performed through various risk analysis and limits.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 94 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko suku bunga (lanjutan) Interest rate risk (continued)
Sementara itu, pengelolaan risiko pasar pada posisi non
trading (banking book) difokuskan pada pengelolaan
risiko suku bunga melalui analisis imbal hasil suku
bunga bulanan untuk penelaahan dampak dari perubahan
suku bunga aktual terhadap aset dan liabilitas yang
sensitif terhadap perubahan suku bunga dan pengukuran
dengan menggunakan analisis repricing gap, dalam
analisis ini aset yang akan di-reprice dalam suatu periode
tertentu akan dikurangi dengan pasiva yang akan di-
reprice dalam periode yang sama untuk menghasilkan
net repricing gap untuk periode waktu tersebut.
Meanwhile, market risk for non trading (banking book)
is focused on interest rate risk exposure as shown by
monthly interest rate yield analysis to review the actual
interest rate changes for all interest rate sensitive
assets and liabilities and also by repricing gap analysis
wherein assets that would be repriced over a certain
time interval are subtracted from the liabilities that
would reprice in the same period to produce the net
repricing gap.
Tabel berikut merangkum aset dan liabilitas Bank yang
sensitif terhadap perubahan tingkat suku bunga:
The following tables below summarize the Bank’s
sensitivity of financial assets and financial liabilities to
interest rate changes:
2018
Sampai dengan 1
bulan /
1 month or less
>1 bulan -
3 bulan / >
1 month -
3 months
>3 bulan -
12 bulan / >
3 months -
12 months
>1 tahun -
5 tahun / >
1 year -
5 years
>5 tahun / >
5 years
Jumlah /
Total
Aset keuangan Financial assets
Giro pada Bank
Indonesia
408.893 - - - - 408.893 Demand deposits
with Bank
Indonesia
Giro pada bank
Lain
257.890 - - - - 257.890 Demand deposits
with other banks
Penempatan
pada Bank Indonesia
dan bank lain
890.483 - - - - 890.483 Placements with
Bank Indonesia
and other banks
Efek-efek - 352 3.013 247.586 676.472 927.423 Securities
Kredit 3.745.832 20.126 683.994 2.219.793 841.888 7.511.633 Loans
Jumlah aset
keuangan 5.303.098 20.478 687.007 2.467.379 1.518.360 9.996.322 Total financial
Assets
Liabilitas
keuangan
Financial
liabilities
Simpanan 5.905.809 1.896.238 657.859 8.874 1.176 8.469.956 Deposits
Simpanan dari
bank lain
728.642 9.800 1.650 - - 740.092 Deposits from
other banks
Jumlah liabilitas
keuangan
6.634.451 1.906.038 659.509 8.874 1.176 9.210.048 Total financial
Liabilities
Jumlah aset
(liabilitas) – bersih
(1.331.353) (1.885.560) 27.498 2.458.505 1.517.184 786.274 Total assets
(liabilities) – net
2017
Sampai dengan 1
bulan /
1 month or less
>1 bulan -
3 bulan / >
1 month -
3 months
>3 bulan -
12 bulan / >
3 months -
12 months
>1 tahun -
5 tahun / >
1 year -
5 years
>5 tahun / >
5 years
Jumlah /
Total
Aset keuangan Financial assets
Giro pada Bank
Indonesia
603.840 - - - - 603.840 Demand deposits
with Bank
Indonesia
Giro pada bank
Lain
192.564 - - - - 192.564 Demand deposits
with other banks
Penempatan pada
Bank Indonesia dan
bank lain
681.147 143.289 293.436 - - 1.117.872 Placements with
Bank Indonesia
and other banks
Efek-efek 81.336 100.359 49.492 165.596 704.354 1.101.137 Securities
Kredit 3.367.288 216.153 436.948 1.804.494 1.290.039 7.114.922 Loans
Jumlah aset
keuangan
4.926.175 459.801 779.876 1.970.090 1.994.393 10.130.335 Total financial
Assets
Liabilitas
keuangan
Financial
liabilities
Simpanan 5.718.560 2.736.234 556.775 14.420 1.720 9.027.709 Deposits
Simpanan dari
bank lain
193.815 2.550 892 - - 197.257 Deposits from
other banks
Jumlah liabilitas
keuangan
5.912.375 2.738.784 557.667 14.420 1.720 9.224.966 Total financial
liabilities
Jumlah aset
(liabilitas) – bersih
(986.200) (2.278.983) 222.209 1.955.670 1.992.673 905.369 Total assets
(liabilities) - net
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 95 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko suku bunga (lanjutan) Interest rate risk (continued)
Jika terjadi perubahan suku bunga yang mungkin dapat
mempengaruhi kinerja Bank, maka Bank dapat segera
merestruktur aset dan liabilitas yang dimiliki, baik
tanggal repricing date-nya ataupun jenis suku bunganya
(tetap atau variabel).
If there is change in interest rate that may affect the
Bank’s performance, the Bank can immediately
restructure its assets and liabilities, their repricing date
or type of interest rate (i.e. fixed or variable).
Risiko mata uang Currency risk
Risiko mata uang adalah risiko-risiko dimana nilai
instrumen keuangan akan berfluktuasi karena perubahan
dalam nilai tukar mata uang asing. Bank telah
menetapkan limit posisi berdasarkan mata uang. Posisi
tersebut dimonitor harian dan strategi lindung nilai akan
digunakan untuk meyakinkan bahwa posisi dijaga agar
dalam batasan yang telah ditetapkan.
Currency risk is the risk that the value of a financial
instrument will fluctuate due to changes in foreign
exchange rates. The Bank has set limits on positions by
currency. Positions are monitored on a daily basis and
hedging strategies will be used to ensure positions are
maintained within established limits.
Sesuai Peraturan Bank Indonesia No. 5/13/PBI/2003,
sebagaimana telah diubah terakhir dengan Peraturan
Bank Indonesia No. 17/05/PBI/2015, Bank wajib
mengelola dan memelihara Posisi Devisa Neto (PDN)
pada akhir hari kerja secara keseluruhan paling tinggi
20% dari modal. Bank menetapkan limit internal PDN
sebesar 17% dari modal dalam rangka mencegah
terjadinya pelampauan terhadap limit yang ditetapkan
oleh regulator.
In accordance with Bank Indonesia Regulation
No. 5/13/PBI/2003 which was amended by Regulation
No. 17/05/PBI/2015, the Bank is required to manage
and maintain the end of day Net Open Position (NOP)
up to 20% of its capital. The Bank has set internal limit
for maximum NOP of 17% in order to prevent a breach
of the limit set by regulator.
Rasio PDN pada tanggal 31 Desember 2018 dan 2017,
adalah sebagai berikut:
NOP ratios as of December 31, 2018 and 2017, are as
follows:
2018
Aset/
Assets
Liabilitas/
Liabilities
Nilai bersih/
Net value
Nilai bersih
absolut/
Absolute Value
Laporan posisi
keuangan
Statement of financial
position
Dollar Amerika
Serikat
748.152 694.857 53.295 53.295 United States Dollar
Dollar Hongkong 1.230 3 1.227 1.227 Hongkong Dollar Dollar Singapura 5.414 5.852 (438) 438 Singapore Dollar
Yen Jepang 607 215 392 392 Japanese Yen
Euro 793 1.095 ( 302) 302 Euro
Renminbi 135 153 (18) 18 Chinese Yuan
Dollar Australia 1.125 1.214 (89) 89 Australian Dollar
Jumlah 757.456 703.389 54.067 55.761 Total
Rekening administratif
Dollar Amerika
Serikat
60.822 105.400 (44.578) 44.578 Administrative account United States Dollar
Jumlah 818.278 808.789 9.489 100.339 Total
Persentase PDN 0,95% NOP ratio
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 96 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko mata uang (lanjutan) Currency risk (continued)
2017
Aset/
Assets
Liabilitas/
Liabilities
Nilai bersih/
Net value
Nilai bersih
absolut/
Absolute Value
Laporan posisi
Keuangan
Statement of financial
position
Dollar Amerika
Serikat
819.111 784.531 34.580 34.580 United States Dollar
Dollar Hongkong 1.228 2 1.226 1.226 Hongkong Dollar
Dollar Singapura 4.633 5.664 (1.031) 1.031 Singapore Dollar
Yen Jepang 1.512 608 904 904 Japanese Yen
Euro 1.454 1.953 ( 499) 499 Euro
Renminbi 138 - 138 138 Chinese Yuan
Dollar Australia 781 842 ( 61) 61 Australian Dollar
Jumlah 828.857 793.600 35.257 38.439 Total
Rekening
administratif
Dollar Amerika
Serikat
50.176 150.576 (100.400) 100.400 Administrative account
United States Dollar
Jumlah 879.033 944.176 (65.143) 138.839 Total
Persentase PDN 6,95% NOP ratio
Tabel di bawah menggambarkan analisa sensitivitas 10 basis poin kenaikan atau penurunan dalam nilai tukar terhadap PDN Bank per tanggal 31 Desember 2018 dan 2017.
The table below shows sensitivity analysis of 10 basis point increase or decrease in the foreign exchange rates on Bank’s NOP per December 31, 2018 and 2017.
Risiko Likuiditas Liquidity Risk
Risiko likuiditas adalah risiko akibat ketidakmampuan Bank untuk memenuhi kewajiban yang jatuh tempo dari sumber pendanaan arus kas dan/ atau dari aset likuid berkualitas tinggi yang dapat diagunkan, tanpa mengganggu aktivitas dan kondisi keuangan Bank. Likuiditas Bank dipengaruhi oleh struktur pendanaan, likuiditas aset, liabilitas kepada counterparty dan komitmen kredit kepada debitur. Risiko likuiditas juga disebabkan oleh ketidakmampuan Bank untuk menyediakan likuiditas dengan harga wajar yang akan berdampak pada profitabilitas dan modal Bank.
Liquidity risk is the risk which is caused by Bank’s inability to meet its obligation from cash flow funding sources and/or the high quality liquid assets which can be pledged, without disturbing the activity and financial condition of the Bank. The Bank’s liquidity affected by funding structure, assets liquidity, liability to counterparty and loan commitments to debtors. Liquidity risk also caused by the Bank’s inability to provide liquidity with fair value which will be affected to the Bank’s profitability and capital.
Tujuan utama manajemen risiko untuk risiko likuiditas adalah untuk meminimalkan kemungkinan ketidakmampuan Bank dalam memperoleh sumber pendanaan arus kas.
The main purpose of the risk management for the liquidity risk is to minimize the possibility of the Bank’s inability to obtain cash flow funding source.
Mata Uang
Kenaikan
(penurunan)
dalam basis poin /
Increase
(decrease) in basis
point
Sensivitas dalam posisi mata uang/
Sensitivity of open position
2018 2017 Currencies
Dollar Amerika
Serikat
10/(10) 8.726 8.709 (65.888) 65.757 United States
Dollar
Yen Jepang 10/(10) 392 391 904 903 Japanese Yen
Euro 10/(10) (302) (301) (500) (499) Euro
Dollar
Singapura
10/(10) (438) ( 437) (1.032) (1.030) Singapore Dollar
Dollar Hongkong
10/(10) 1.228 1226 1.227 1.224 Hongkong Dollar
Dollar
Australia
10/(10) (89) (89) ( 61) (61) Australian
Dollar
Renminbi 10/(10) (18) (18) 138 138 Chinese Yuan
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 97 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
Pemantauan dan perhitungan risiko likuiditas dilakukan dengan menggunakan indikator risiko likuiditas seperti Giro Wajib Minimum, Primer dan Sekunder, Loan to Funding Ratio (LFR), rasio aset lancar terhadap dana pihak ketiga, konsentrasi 50 nasabah terbesar serta maturity mismatch, dilaporkan kepada Dewan Komisaris, Direksi dan manajemen senior secara harian, mingguan dan bulanan maupun dalam rapat bulanan ALCO.
Monitoring and calculation of liquidity risk is conducted by using liquidity risk indicators such as reserve requirement, both primary and secondary, Loan to Funding Ratio (LFR), liquid assets to third party funds ratio, concentration of 50 biggest customers and maturity mismatch, reported to the Board of Commissioners, Directors and senior management on a daily, weekly and monthly basis as well as during the monthly meeting of ALCO.
Secara berkala Bank melakukan kaji ulang terhadap kebijakan dan limit risiko likuiditas. Selain itu, Bank memiliki kebijakan contingency funding plan sebagai pedoman bagi Bank untuk mengantisipasi situasi krisis likuiditas. Untuk mengetahui dampak perubahan pasar maupun faktor internal pada kondisi ekstrim (krisis) terhadap kondisi likuiditas yang dapat berdampak pada kecukupan modal Bank, Bank melakukan stress test terhadap posisi likuiditas Bank secara regular Melalui stress test, Bank dapat mengantisipasi lebih awal dan mengambil langkah-langkah pengendalian dan solusi yang paling optimal sebagai strategi jangka pendek maupun jangka panjang pemulihan likuiditas.
The Bank on a regular basis reviews the liquidity risk management policy and its limits. Furthermore, the Bank has contingency funding plan policy as a guidance for the Bank to overcome the situation of liquidity crisis. In determining impact of changes in market and internal factors in extreme conditions (crisis) to the liquidity conditions that could impact the Bank's capital adequacy, the Bank performs stress test on Bank’s funding liquidity position on a regular basis. By applying stress test, the Bank can anticipate early and take control measures as well as calculate the most optimal solution per short-term strategy and long-term recovery of liquidity.
Tabel berikut menggambarkan profil maturitas aset dan liabilitas Bank (sebelum dikurangi penyisihan cadangan kerugian penurunan nilai) berdasarkan behavioral dana pihak ketiga dan sisa jatuh tempo:
The following tables below show the maturity profile of the Bank’s financial assets (before deducting allowance for impairment losses) and financial liabilities based on behavior of third party funds:
2018
Sampai
dengan 1
bulan/
1 month
or less
>1 bulan -
3 bulan /
>1 month -
3 months
>3 bulan –
12 bulan /
>3 months –
12 months
>1 tahun -
5 tahun /
>1 year - 5
years
>5 tahun /
>5 years
Jumlah /
Total
Aset Keuangan Financial Assets
Tanpa suku Bunga Non-interest bearing
Kas 173.207 - - - - 173.207 Cash
Giro pada Bank Indonesia
408.893 - - - - 408.893 Demand deposits with Bank Indonesia
Tagihan derivatif 1.082 - - - - 1.082 Derivative receivables
Tagihan akseptasi - 2.817 33.602 - - 36.419 Acceptances receivable
Aset lain-lain 54.639 - - 45.131 - 99.770 Other assets
Suku bunga variabel kredit 289.401 52.876 1.254.144 765.658 1.209.721 3.571.800 Variable interest rate loans
Suku bunga tetap Fixed interest rate
Giro pada bank lain 257.890 - - - - 257.890 Demand deposits with other
Banks
Penempatan pada Bank
Indonesia dan bank lain
890.483 - - - - 890.483 Placements with Bank
Indonesia and other Banks
Efek-efek - 352 3.014 247.586 676.471 927.423 Securities
Kredit 174.032 20.126 683.994 2.219.793 841.888 3.939.833 Loans
Jumlah Aset Keuangan 2.249.627 76.171 1.974.754 3.278.168 2.728.080 10.306.800 Total Financial Assets
Liabilitas Keuangan Financial liabilities Tanpa suku bunga Non-interest bearing
Liabilitas segera 37.937 - - - - 37.937 Liabilities payable immediately
Liabilitas akseptasi - 2.817 33.602 - - 36.419 Acceptances payable
Beban yang masih harus
dibayar
20.841 11.541 42.226 - - 74.608 Accrual expenses
Liabilitas lain-lain 6.396 - - - - 6.396 Other liabilities
Suku bunga variabel - - - - - - Variable interest rate
Simpanan 456.633 88.637 117.433 800.847 - 1.463.550 Deposits
Simpanan dari bank lain 353.033 - - - - 353.033 Deposits from other banks
Suku bunga tetap - - - - - - Fixed interest rate
Simpanan 4.442.259 1.896.238 657.859 8.874 1.176 7.006.406 Deposits
Simpanan dari bank lain 375.609 9.800 1.650 - - 387.059 Deposits from other banks
Jumlah Liabilitas
Keuangan 5.692.708 2.009.033 852.770 809.721 1.176 9.365.408 Total Financial Liabilities
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 98 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
2017
Lain-lain/
Others
Sampai
dengan 1
bulan/
1 month
or less
>1 bulan
-
3 bulan /
>
1 month -
3 months
>3 bulan
-
12 bulan /
>
3 months
-
12
months
>1 tahun
- 5 tahun
/ >1 year -
5 years
>5 tahun
/ >5 years
Jumlah /
Total
Aset Keuangan Financial Assets
Tanpa suku bunga Non-interest bearing
Kas - 121.769 - - - - 121.769 Cash
Giro pada Bank
Indonesia
- 603.840 - - - - 603.840 Demand deposits with
Bank Indonesia
Efek-efek 81.336 - - - - - 81.336 Securities
Tagihan derivatif - 20 - - - - 20 Derivative receivables
Tagihan akseptasi - - - 1.522 - - 1.522 Acceptances receivable Aset lain-lain - 46.830 - - 35.135 - 81.965 Other assets
Suku bunga variable
kredit
- 330.420 181.592 1.035.986 728.836 908.802 3.185.636 Variable interest rate loans
Suku bunga tetap Fixed interest rate
Giro pada bank lain
- 192.564 - - - - 192.564 Demand deposits with other banks
Penempatan pada
Bank Indonesia
dan bank lain
- 681.147 143.289 293.436 - - 1.117.872 Placements with Bank
Indonesia and other
banks
Efek-efek - - 100.359 49.492 165.596 704.354 1.019.801 Securities
Kredit - 181.652 216.153 436.948 1.804.494 1.290.039 3.929.286 Loans
Jumlah Aset
Keuangan 81.336 2.158.242 641.393 1.817.384 2.734.061 2.903.195 10.335.611 Total Financial Assets
Liabilitas Keuangan Financial liabilities
Tanpa suku bunga Non-interest bearing
Liabilitas segera - 39.585 - - - - 39.585 Liabilities payable
Immediately
Liabilitas derivatif - 95 - - - - 95 Derivative payables
Liabilitas akseptasi - - - 1.522 - - 1.522 Acceptances payable
Beban yang masih harus dibayar
- 18.925 12.010 79.943 - - 110.878 Accrual expenses
Liabilitas lain-lain - 7.252 - - - 7.252 Other liabilities
Suku bunga variabel Variable interest rate
Simpanan - 393.064 45.324 24.131 1.003.932 - 1.466.451 Deposits
Simpanan dari
bank lain
- 144.209 - - - - 144.209 Deposits from other banks
Suku bunga tetap Fixed interest rate
Simpanan - 862.358 428.053 154.915 6.115.932 - 7.561.258 Deposits
Simpanan dari
bank lain
- 49.606 2.550 892 - - 53.048 Deposits from other banks
Jumlah Liabilitas
Keuangan - 1.515.094 487.937 261.403 7.119.864 - 9.384.298 Total Financial Liabilities
Analisa Jatuh Tempo untuk Liabilitas Keuangan Maturity Analysis for Financial Liabilities
Tabel di bawah menunjukkan arus kas kontraktual tidak
terdiskonto dari liabilitas keuangan dan rekening
admisnitratif Bank didasarkan pada sisa jatuh tempo
kontrak dari tanggal pelaporan.
The tables below show the contractual undiscounted
cash flows of the Bank’s financial liabilities and off
balance sheet based on the remaining contractual
maturity from the reporting date.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 99 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
Analisa Jatuh Tempo untuk Liabilitas Keuangan
(lanjutan)
Maturity Analysis for Financial Liabilities (continued)
2018
Sampai
dengan 1
bulan/
1 month or
less
>1 bulan –
3 bulan /
>1 month –
3 months
>3 bulan -
12 bulan /
>3 months -
12 months
>1 tahun –
5 tahun /
>1 year –
5 years
>5 tahun /
>5 years
Jumlah /
Total
Liabilitas Keuangan Financial liabilities
Tanpa suku bunga Non-interest bearing
Liabilitas segera 37.937 - - - - 37.937 Liabilities payable
immediately
Liabilitas akseptasi - 2.817 33.602 - - 36.419 Acceptances payable
Beban yang masih harus dibayar
- - 46.162 - - 46.162 Accrual expenses
Liabilitas lain-lain 6.396 - - - - 6.396 Other liabilities
Suku bunga variabel Variable interest rate
Simpanan 1.466.339 - - - - 1.466.339 Deposits
Simpanan dan
Bank lain
355.063 - - - - 355.063 Deposits from other Bank
Suku bunga tetap Fixed interest rate
Simpanan 4.459.792 1.902.544 660.837 8.874 1.177 7.033.224 Deposits
Simpanan dan
Bank lain
375.740 9.843 1.651 - - 387.234 Seposits from other Bank
Sub jumlah 6.701.267 1.915.204 742.252 8.874 1.177 9.368.774 Sub total
Liabilitas komitmen Commitment liabilities
Fasilitas kredit
kepada nasabah
yang belum
digunakan
7.532 7.672 53.682 37.339 - 106.225 Unused loan facilities
Granted
L/C yang
irrevocable dan
masih berjalan
9.588 7.816 47.968 - - 65.372 Outstanding irrevocable
letters of credit
Sub jumlah 17.120 15.488 101.650 37.339 - 171.597 Sub total
Liabilitas kontinjensi Contingent liabilities
Bank garansi
yang diterbitkan
1.027 - 651 - - 1.678 Bank guarantees issued
Jumlah 6.719.414 1.930.692 844.553 46.213 1.177 9.542.049 Total
2017
Sampai
dengan 1
bulan/
1 month or
less
>1 bulan –
3 bulan /
>1 month -3
months
>3 bulan -
12 bulan /
>3 months -
12 months
>1 tahun –
5 tahun /
>1 year –
5 years
>5 tahun /
>5 years
Jumlah /
Total
Liabilitas Keuangan Financial liabilities
Tanpa suku bunga Non-interest bearing
Liabilitas segera 39.585 - - - - 39.585 Liabilities payable
Immediately
Liabiitas derivatif 95 - - - - 95 Derivative payables
Liabilitas akseptasi - - 1.522 - - 1.522 Acceptances payable Beban yang masih
harus dibayar
- - 77.597 - - 77.597 Accrual expenses
Liabilitas lain-lain 7.252 - - - - 7.252 Other liabilities
Suku bunga variabel Variable interest rate
Simpanan 1.392.529 - - - - 1.392.529 Deposits
Simpanan dan bank
lain
144.776 - - - - 144.776 Deposits from other Bank
Suku bunga tetap Fixed interest rate
Simpanan 2.135.418 5.078.943 1.084.011 - - 8.298.372 Deposits
Simpanan dan bank
lain
36.217 16.149 918 - - 53.284 Seposits from other Bank
Sub jumlah (saldo
dipindahkan) 3.755.872 5.095.092 1.164.048 - - 10.015.012 Sub total (Balance carried
forward
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 100 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued) Risiko Likuiditas (lanjutan) Liquidity Risk (continued)
Analisa Jatuh Tempo untuk Liabilitas Keuangan
(lanjutan)
Maturity Analysis for Financial Liabilities (continued)
2017
Sampai
dengan 1
bulan/
1 month or
less
>1 bulan –
3 bulan /
>1 month –
3 months
>3 bulan -
12 bulan /
>3 months -
12 months
>1 tahun –
5 tahun /
>1 year –
5 years
>5 tahun /
>5 years
Jumlah /
Total
Sub jumlah (saldo
pindahan)
3.755.872 5.095.092 1.164.048 - - 10.015.012 Sub total (Balance
brought forward
Liabilitas komitmen Commitment liabilities
Fasilitas kredit
kepada nasabah yang belum
digunakan
53.715 19.242 97.466 34.404 215.554 420.381 Unused loan facilities
granted
L/C yang
irrevocable dan
masih berjalan
- - 1.333 - - 1.333 Outstanding irrevocable
letters of credit
Sub jumlah
liabilitas komitmen 53.715 19.242 98.799 34.404 215.554 421.714 Sub total commitment
liabilities
Liabilitas kontinjensi Contingent liabilities
Bank garansi
yang diterbitkan
6.159 1.100 3.623 651 - 11.533 Bank guarantees issued
Jumlah 3.815.746 5.115.434 1.266.470 35.055 215.554 10.448.259 Total
Risiko Operasional Operational Risk
Risiko operasional adalah potensi timbulnya kerugian
sebagai akibat dari kejadian-kejadian yang melibatkan
manusia, proses, sistem dan kejadian-kejadian di luar
Bank.
Operational risk is the potential for loss resulting from
events involving people, processes, systems and
external events.
Dalam rangka menjaga pengelolaan risiko Bank, Risk
Taking Unit bertanggung jawab atas seluruh risiko yang
terjadi di unitnya masing-masing termasuk risiko
operasional. Cara pengendalian risiko-risiko tersebut
telah diatur melalui kebijakan Bank secara menyeluruh,
kebijakan dan prosedur pada masing-masing unit, serta
metode-metode pengendalian dan pemantauan yang ada.
In keeping with the Bank’s risk management
governance, the Risk Taking Unit are responsible for
all the risks within the business, including operational
risks. Such risks are managed through Bank-wide
policies, risk taking unit specific policies and
procedures, controls and monitoring tools.
Manajemen risiko operasional, bekerjasama dengan Risk
Taking Unit, telah mengembangkan tiga metode utama
untuk membantu mengelola, memantau dan
mengikhtisarkan risiko operasional, yaitu:
The operational risk management, working in
conjunction with the Risk Taking Unit has developed
three key methods to help manage, monitor and
summarize operational risks as follows:
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 101 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Operasional (lanjutan) Operational Risk (continued)
Manajemen risiko operasional, bekerjasama dengan Risk
Taking Unit, telah mengembangkan tiga metode utama
untuk membantu mengelola, memantau dan
mengikhtisarkan risiko operasional, yaitu (lanjutan):
The operational risk management, working in
conjunction with the Risk Taking Unit has developed
three key methods to help manage, monitor and
summarize operational risks as follows (continued):
1. Risk Control and Self Assessment, yaitu sarana yang
digunakan oleh unit-unit kerja untuk
mengidentifikasi, mengukur dan merencanakan
mitigasi risiko. Metode ini juga digunakan sebagai
sarana untuk memperbaiki pemahaman kepada
personil kantor cabang akan pentingnya
manajemen risiko serta menegaskan bahwa
aktivitas mereka akan selalu dipantau oleh
manajemen.
1. Risk Control and Self Assessment, which is a
medium used by working units to identify, measure
and plan to mitigate the risk. This method is also
used as a medium to improve the understanding
of the branch’s office personnel on the
importance of risk management and also affirm
that their activities will always be monitored
by the management.
2. Loss Event Database, merupakan metode yang digunakan untuk mencatat setiap peristiwa risiko operasional yang menimbulkan dampak finansial secara langsung maupun tidak langsung. Setiap kali Risk Taking Unit mengalami kejadian risiko operasional, maka unit tersebut harus melaporkan dengan menggunakan formulir Laporan Kejadian Risiko Sekitar Kita (LKS). Dari formulir LKS ini akan diketahui tipe risiko yang terjadi, penyebab kejadian tersebut, lokasi (lini bisnis) tempat terjadinya risiko serta besarnya kerugian yang terjadi atau kewajiban hukum yang terjadi serta pemulihan (bila ada). Sarana ini sangat penting untuk memonitor profil risiko operasional secara teratur, serta data yang diperoleh merupakan data utama bila Bank akan mengaplikasikan pendekatan maju (advance) dalam pengukuran kecukupan modal minimumnya.
2. Loss Event Database, a method used to record every event of operational risk with direct and indirect financial impact. Each time the Risk Taking Unit experience operational risk events, the event should be reported using the incident report form, Risk Around Us Incident Report (LKS). Through LKS, the type of the risk, the cause, location (business line), the place it occurred and also the legal obligation together with the recovery time (if any), are indentified. This means it is very important to monitor the operational risk portfolio on a regular basis, and the data obtained is the main data input when the Bank is going to apply the advanced approach (advance) on the minimum adequacy measurement.
3. Key Risk Indicators, yang merupakan serangkaian parameter pengukuran kuantitatif risiko operasional yang mengindikasikan tingkat risiko pada suatu fungsi/proses/bisnis dengan tujuan agar potensi risiko dapat teridentifikasi melalui analisa dari trend statistic individual, juga melalui pengendalian lingkungan yang tercermin dari data. Diharapkan penyimpangan-penyimpangan dapat teridentifikasi secara dini, serta dapat diperbaiki sebelum permasalahan tersebut berkembang menjadi lebih buruk.
3. Key Risk Indicators, are quantitative operational risk measures that indicate the level of risk in a particular area of a function/process/ business, with the purpose of identifying potential risks through analysis of trend in individual statistics as well as the environment control implied by all data. Any deficiency is identified at an early stage and appropriate remedial action is taken before the issue becomes worse.
Hasil dari penggunaan metode tersebut diatas telah disampaikan kepada departemen dan divisi terkait, senior manajemen, manajemen eksekutif dan Direksi melalui Operational Risk Management Highlight Report, Risk Management Committee (RMC) Meeting dan Risk Oversight Committee (ROC) untuk memantau dan mengantisipasi risiko operasional yang mungkin timbul.
The results from the application of methods above are submitted to the related departments and divisions, senior management, executive management and Directors through Operational Risk Management Highlight Report, Risk Management Committee (RMC) Meeting and Risk Oversight Committee (ROC) to monitor and anticipate the operational risks which may arise.
Risiko Reputasi Reputation Risk
Risiko reputasi adalah risiko akibat menurunnya tingkat kepercayaan stakeholder yang bersumber dari persepsi negatif terhadap Bank. Risiko ini melekat dalam setiap kegiatan yang dilakukan oleh Bank. Kegagalan Bank dalam menjaga reputasinya dimata masyarakat dapat menimbulkan pandangan maupun persepsi negatif masyarakat terhadap Bank. Apabila risiko ini dihadapi oleh Bank, maka dalam waktu singkat dapat terjadi penurunan atau hilangnya kepercayaan nasabah terhadap Bank yang pada akhirnya akan memberikan dampak negatif terhadap pendapatan dan volume aktivitas Bank.
Reputation risk is the risk related to the decreasing level of stakeholders’ confidence arising from the negative perception on the Bank. Reputation risk is inherent in every activity conducted by the Bank. The Bank’s failure to protect its reputation in the public’s eye may result in negative view as well as perception by the public towards the Bank. Once the Bank encounters such risk, the Bank may lose the customer’s trust that will ultimately result in a negative impact to the Bank’s income and volume of activities.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 102 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Reputasi (lanjutan) Reputation Risk (continued)
Untuk memitigasi risiko reputasi, Bank telah menunjuk divisi corporate secretary untuk melakukan pengamatan terhadap pemberitaan media untuk memantau publikasi negatif atau keluhan nasabah yang muncul di media. Untuk pemberitaan negatif dan keluhan nasabah yang muncul di media selanjutnya dibuatkan klarifikasi dan tanggapan sesuai dengan langkah yang ditempuh Bank. Pemantauan atas keluhan nasabah, Bank memiliki fasilitas seperti call center dan website, sedangkan keluhan yang datang dari cabang Bank diakomodasi dengan sistem COMONE (Comunication One) yang disampaikan langsung ke Bank melalui unit kerja Quality Service untuk kemudian ditindaklanjuti penyelesaiannya.
To mitigate reputation risk, the Bank has appointed the corporate secretary division to monitor the media to check on customer complaints or negative publicity that appeared in the media. In response to negative publicity and customer complaints that appear in the media, the Bank issues clarification as well as responses according to actions taken by the Bank. To monitor customer complaints, Bank has facilities such as call center and website, complaints coming from branches of the Bank are accommodated by COMONE (Customer Desk Solution) system delivered directly to the Bank through Quality Service unit until followed up by the related work units.
Risiko Hukum Legal Risk
Risiko hukum adalah risiko akibat tuntutan hukum dan/ atau kelemahan aspek yuridis. Risiko hukum timbul antara lain karena ketiadaan peraturan perundang-undangan yang mendukung atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak atau pengikatan agunan yang tidak sempurna.
Legal risk is the risk related to legal claims and/or weakness in the legal aspect. Such weakness in legal aspect is caused, among others, by the lack of the supporting legislation or weakness of the contracts such as incomplete requirements for a valid contract and imperfect document contract.
Proses identifikasi risiko hukum dilakukan dengan menganalisis seluruh sumber risiko hukum yang sekurang-kurangnya dilakukan terhadap risiko hukum dari produk dan aktivitas usaha Bank serta risiko hukum dari produk dan aktivitas baru melalui proses pengendalian manajemen risiko hukum yang layak sebelum diperkenalkan atau dijalankan.
The process of identifying legal risks is undertaken by analyzing all legal risk sources there are at least made against the legal risks of the Bank's products and business activities and legal risks of new products and activities through appropriate legal risk management process prior to introduction or operation.
Proses identifikasi risiko hukum yang melekat pada Bank dilakukan dengan menggunakan indikator/parameter:
The process of identifying legal risks attached to the Bank is performed using indicators / parameters:
a. faktor litigasi. a. litigation factor. b. faktor kelemahan perikatan. b. engagement weakness factor. c. faktor ketiadaan/perubahan perundang-undangan. c. absence or alteration of legislation factor.
Hasil pengukuran risiko hukum tercermin dalam profil risiko hukum. Pemantauan risiko hukum dilakukan guna mengevaluasi eksposur risiko hukum yang melekat terutama yang bersifat material atau yang berdampak pada permodalan Bank. Hasil pemantauan yang mencakup evaluasi terhadap eksposur risiko hukum tersebut dilaporkan secara berkala termasuk tindak lanjut yang diperlukan.
The results of legal risk measurement are reflected in the legal risk profile. Legal risk monitoring is undertaken to evaluate the inherent exposure of legal risks, particularly those of a material nature or affecting the Bank's capital. Monitoring results that include an evaluation of such legal risk exposures are reported on a regular basis including its required follow-up.
Risiko Kepatuhan Compliance Risk
Risiko kepatuhan merupakan risiko akibat Bank tidak mematuhi dan/atau tidak melaksanakan peraturan perundang-undangan. Dalam menjalankan kegiatan usaha pada industri perbankan, Bank diwajibkan untuk selalu tunduk terhadap peraturan perbankan yang diterbitkan baik oleh Pemerintah maupun Bank Indonesia. Selain itu, Bank juga wajib tunduk kepada beberapa ketentuan lainnya, seperti peraturan yang mengatur penjaminan simpanan, perseroan terbatas, perpajakan dan peraturan di bidang pasar modal Otoritas Jasa Keuangan (“OJK”) dan Bursa Efek Indonesia.
Compliance risk is the risk resulting from the failure of the Bank in fulfilling and/or implementing the prevailing laws and regulations. In engaging in the banking industry services, the Bank is required to always comply with the banking regulations issued by the Government and Bank Indonesia. In addition, the Bank is also required to comply with several other rules, such as regulation on Deposit guarantee program, limited liability company, taxation and capital market Financial Services Authority (“OJK”) and Indonesian Stock Exchange.
Bank memiliki satuan kerja divisi kepatuhan yang bertanggung jawab secara langsung kepada direktur kepatuhan.
The Bank has a compliance unit division which is directly responsible to compliance director.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 103 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Kepatuhan (lanjutan) Compliance Risk (continued)
Tugas utama pada satuan kerja divisi kepatuhan adalah melakukan koordinasi atas pelaksanaan fungsi kepatuhan Bank yaitu :
The main task of the Compliance Unit Division is to coordinate the implementation of the Bank's compliance function:
1. Mewujudkan terlaksananya budaya kepatuhan pada semua tingkatan organisasi dan kegiatan usaha Bank.
1. Implementation of the culture of compliance at all levels of the organization and business activities of the Bank.
2. Mengelola risiko kepatuhan yang dihadapi oleh Bank.
2. Management of the compliance risks faced by the Bank.
3. Memastikan agar kebijakan, ketentuan, sistem dan prosedur serta kegiatan usaha yang dilakukan oleh Bank telah sesuai dengan ketentuan yang berlaku.
3. Ensuring that policies, regulations, systems and procedures and activities undertaken by the Bank is in accordance with applicable regulations.
4. Memastikan kepatuhan Bank terhadap komitmen yang dibuat oleh Bank kepada otoritas pengawas yang berwenang.
4. Ensuring the Bank’s compliance with the commitments made by the Bank to the supervisory authority.
Mitigasi risiko kepatuhan dilakukan dalam rangka
pengendalian aspek kepatuhan yang setidaknya meliputi:
The Bank mitigates compliance risk by at least:
1. Menerbitkan kebijakan terkait dengan penetapan limit risiko, konsistensi kebijakan manajemen risiko, penerapan kepatuhan pada jenjang organisasi, kebijakan penyimpangan dalam pengambilan keputusan guna menyelaraskan dengan struktur organisasi yang berlaku, kebijakan pemantauan kepatuhan, kebijakan whistleblowing dan kebijakan pelaporan kepada Bank Indonesia atau Otoritas Jasa Keuangan sesuai ketentuan yang berlaku.
1. Establishing policy related to determination of limit risk, consistency of risk management policy, implementation of compliance towards organizational hierarchy, deviation policy in making decisions to harmonize with the prevailing organizational structure, compliance monitoring policy, whistleblowing policy and policy of reporting to Bank Indonesia or Financial Services Authority as required based on prevailing regulation.
2. Menerbitkan prosedur terkait dengan ketepatan waktu pengkomunikasian kebijakan kepada seluruh pegawai, pengendalian dan analisa terhadap produk dan aktivitas baru, kewajiban pelaporan dan sistem data, kecukupan pengawasan komisaris dan direksi, pemisahan fungsi dan lain-lain.
2. Establishing procedures related to timely communication policy to all employees, control and analysis towards new products and activities, obligations of reporting and data system, adequacy in control from commissioners and directors, segregation of duties, etc.
3. Melakukan analisa kepatuhan untuk memberikan saran, masukan serta rekomendasi atas draft kebijakan internal Bank termasuk review terhadap produk dan aktivitas baru yang akan diterbitkan untuk memastikan bahwa kebijakan internal yang dikeluarkan oleh manajemen dan produk/aktivitas baru tersebut telah sesuai dengan peraturan perundang-undangan yang berlaku.
3. Perform compliance analysis to provide advice, inputs, and also recommendations for the Bank’s draft internal policy including review on new products and activities that will be launched to ensure that the internal policies established by the management and new products/activities already comply with the prevailing laws and regulations.
4. Melakukan pengawasan (monitoring) dan memastikan kepatuhan terhadap perjanjian dan komitmen yang dibuat dengan Bank Indonesia dan Otoritas Jasa Keuangan, serta bertanggung jawab untuk mengirimkan semua laporan perkembangan atas temuan dan tindakan perbaikan kepada Bank Indonesia dan Otoritas Jasa Keuangan sekaligus bertindak sebagai pejabat perantara antara Bank Indonesia dan Otoritas Jasa Keuangan dengan Bank.
4. Perform monitoring and ensure the compliance with the agreements and commitments made with Bank Indonesia and Financial Services Authority, also responsible to submit all progress reports of the findings and corrective actions to Bank Indonesia and Financial Services Authority, and also act as liaison officer between Bank Indonesia and Financial Services Authority and the Bank.
5. Memberikan pelatihan tentang pelaksanaan fungsi
kepatuhan Bank dan ketentuan Bank Indonesia
kepada karyawan baru, karyawan frontliner,
karyawan yang sedang mengikuti pelatihan internal
dan juga karyawan di kantor cabang.
5. Providing training on the Bank’s implementation
of the compliance function with Bank Indonesia
regulatory for new employees, front line
employees, employees under internal training and
employees in the branch office.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 104 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Kepatuhan (lanjutan) Compliance Risk (continued)
Mitigasi risiko kepatuhan dilakukan dalam rangka pengendalian aspek kepatuhan yang setidaknya meliputi (lanjutan):
The Bank mitigates compliance risk by at least (continued):
6. Menerapkan kebijakan program Anti Pencucian
Uang dan Pencegahan Pendanaan Terorisme (APU-
PPT) sebagaimana diatur dalam Surat Edaran
Otoritas Jasa Keuangan No. 32/SEOJK.03/2017
perihal Penerapan Program Anti Pencucian Uang
dan Pencegahan Pendanaan Terorisme di Sektor
Perbankan.
6. Implement a policy of anti-money laundering and
combating the financing of terrorism as regulated
in Otoritas Jasa Keuangan Circular Letter No.
32/SEOJK.03/2017 on Implementation of Anti-
Money Laundering and Combating the Financing
of Terrorism for Banking Industry.
7. Dalam rangka untuk memperkuat sistem pengendalian internal, khususnya dalam mengendalikan fraud, maka telah diterapkan dan diterbitkan kebijakan dan prosedur penerapan strategi anti fraud, sebagai salah satu bentuk kepatuhan terhadap Surat Edaran Bank Indonesia No. 13/28/DPNP perihal Penerapan Strategi Anti Fraud Bagi Bank Umum.
7. To strengthen the internal control system,
especially in controlling fraud, policies and
procedures of Anti-Fraud Strategy Implementation
have been applied and issued, as one of
compliance form with the Circular Letter of Bank
Indonesia No. 13/28/DPNP concerning Anti
Fraud Strategy Implementation for Commercial
Bank.
Risiko Stratejik Strategic Risk
Risiko stratejik adalah risiko akibat ketidaktepatan dalam pengambilan dan/atau pelaksanaan suatu keputusan stratejik serta kegagalan dalam mengantisipasi perubahan lingkungan bisnis. Untuk dapat tumbuh dan berkembang menjadi sebuah institusi keuangan terdepan di Indonesia, Bank membutuhkan serangkaian strategi untuk mencapai tujuan tersebut. Ketidakmampuan Bank dalam melakukan penyusunan strategi yang tepat dapat menimbulkan kegagalan bisnis Bank di masa yang akan datang.
Strategic risk is the risk due to inadequacy in
deciding and/or implementing a strategic decision
as well as the failure in anticipating the changes in the
business environment. In order to grow and develop
as one of the leading financial institutions in
Indonesia, the Bank needs to adopt certain
strategies to achieve such goals. Failure in
formulating the right strategy may deteriorate the
Bank’s business in the future.
Risiko stratejik berhubungan dengan perencanaan strategi yang baik untuk menghindari terjadinya kerugian atau dampak negatif lainnya dari adanya kesalahan dalam pengambilan keputusan yang berpotensi untuk berdampak luas atau berjangka panjang yang kurang baik di dalam organisasi.
Strategic risks are associated with sound strategic
planning to avoid losses or other negative impacts
resulting from errors in decision making that may have
widespread or long-term implications within the
organization.
Bank secara berkelanjutan memantau kondisi pasar dan mengumpulkan informasi penting sebagai bahan pertimbangan dalam pengambilan keputusan dan penetapan kebijakan strategi Bank. Seiring dengan pemantauan kondisi pasar tersebut, Bank memiliki portofolio ragam produk yang variatif agar rencana stratejik yang ditetapkan dapat tercapai.
The Bank continuously monitors market conditions and
gather important information to be taken into account
during the decision-making and Bank’s strategic
policy-setting. Along with monitoring market
conditions, the Bank also has a diverse portfolio of
products and services in order to achieve its strategic
plan.
Bank memiliki kebijakan mengidentifikasi dan merespon
atas perubahan lingkungan yaitu: The Bank has a policy to identify and respond to the
changes in the external business environment as
follows:
1. Analisa lingkungan bisnis 1. Business environment analysis
Menganalisa faktor internal dan eksternal,
menangkap peluang dan tantangan dari perubahan
lingkungan bisnis dan menganalisa kelebihan
internal dan kekurangan.
Analyze internal and external factors, seize
opportunities and meet challenges of the changing
business environment and analyze internal
strengths and weaknesses.
PT BANK MNC INTERNASIONAL Tbk
CATATAN ATAS LAPORAN KEUANGAN (lanjutan)
Pada dan Untuk Tahun yang Berakhir Tanggal
31 Desember 2018 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain)
PT BANK MNC INTERNASIONAL Tbk
NOTES TO FINANCIAL STATEMENTS (continued)
As of and For the Year Ended
December 31, 2018 (Expressed in million Rupiah, unless otherwise specified)
- 105 -
42. MANAJEMEN RISIKO (lanjutan) 42. RISK MANAGEMENT (continued)
Risiko Stratejik (lanjutan) Strategic Risk (continued)
Bank memiliki kebijakan mengidentifikasi dan merespon
atas perubahan lingkungan yaitu (lanjutan): The Bank has a policy to identify and respond to the
changes in the external business environment as follows
(continued):
2. Perencanaan 2. Plannings
Menyusun sasaran yang ingin dicapai disesuaikan
dengan kompleksitas, profil risiko maupun risk
bearing capacity, menetapkan strategi dan direksi
menetapkan kebijakan untuk dijadikan dasar
keputusan.
Set goals to be achieved tailored to the complexity of
business, risk profile and risk bearing capacity, set
the policies and strategies on which to base
subsequent decisions.
3. Implementasi 3. Implementation
Mengalokasikan sumber daya berupa keuangan
maupun manusia, menyelesaikan program kerja, dan
komitmen Direksi untuk mengalokasikan sumber
daya yang dibutuhkan.
Allocated necessary resources, financial and human
capital, complete work programs, and the
commitment of Board of Directors to allocate the
resources needed.
4. Evaluasi 4. Evaluation
Evaluasi terhadap kondisi aktual dengan apa yang
telah direncanakan, dan melakukan corrective action
untuk perbaikan.
Evaluation of the actual condition of what has been
planned, and corrective actions for improvement.
Secara triwulanan melalui pengukuran profil risiko, Bank
melakukan pengukuran risiko stratejik dengan
menggunakan indikator atau parameter berupa tingkat
kompleksitas strategi bisnis Bank, posisi bisnis Bank di
industri perbankan, pencapaian rencana bisnis, dan
kesesuaian strategi dengan kondisi lingkungan bisnis.
On a quarterly basis through the risk profile assessment,
the Bank measures strategic risk using indicators or
parameters such as the level of complexity of the
business strategy of the Bank, the Bank's business
position in the banking industry, the achievement of the
business plan, strategy and compliance with the
conditions of the business environment.
43. TANGGUNG JAWAB MANAJEMEN DAN PERSETUJUAN LAPORAN KEUANGAN
43. MANAGEMENT RESPONSIBILITY AND
APPROVAL OF FINANCIAL STATEMENTS
Penyusunan dan penyajian wajar laporan keuangan
merupakan tanggung jawab manajemen, dan telah
disetujui oleh Direksi untuk diterbitkan pada tanggal
26 Maret 2019.
The preparation and fair presentation of the financial
statements are the responsibilities of the management
and, are approved and authorized for issue by the
Directors on March 26, 2019.
La
po
ran
Tah
un
an
20
18
An
nu
al R
ep
ort
Laporan TahunanAnnual Report2018
Laporan TahunanAnnual Report2018
Sharper Focus to Step Further
Jl. Kebon Sirih Raya No. 27Jakarta Pusat 10340Tel. (021) 2980 5555- Fax. (021) 3983 6700Telex. 65068 JKTBPIA - Swift: BUMIIDJA
PT
Ba
nk M
NC
Inte
rna
sion
al T
bk