Annual Report 2012 Bank Bukopin Syariah

A c h i e v i n g Q u a l i t y G r o w t hl a p o r a n t a h u n a n 2 0 1 2 a n n u a l r e p o r t

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Ikhtisar KeuanganFinancial Highlights

Visi, Misi, dan Nilai-Nilai PerusahaanVision, Mission, and Corporate Values

Strategi KorporasiCorporate Strategy

Pemegang Saham PT Bank Syariah BukopinThe shareholders of PT Bank Syariah Bukopin

Struktur Organisasi PT Bank Syariah BukopinOrganization Structure PT Bank Syariah Bukopin

Profi l PT Bank Syariah BukopinPT Bank Syariah Bukopin Profi le

Peristiwa Penting 2012Signifi cant Event 2012

Prestasi PT Bank Syariah BukopinPT Bank Syariah Bukopin Achievement

Pengurus PT Bank Syariah BukopinThe Management of PT Bank Syariah Bukopin

Sambutan Komisaris UtamaMessage from the President Commissioner

Laporan Direktur UtamaReport from the President Director

Sambutan Ketua Dewan Pengawas SyariahMessage from the Chairman of Sharia Supervisory Board

Analisis Manajemen atas Kinerja PerseroanManagement Analysis of Company Performance

Tata Kelola PerusahaanGood Corporate Governance

Kepatuhan dan Manajemen ResikoCompliance and Risk Management

Sumber Daya InsaniHuman Resources

Teknologi InformasiInformation Technology

Tanggung Jawab Sosial PerusahaanCorporate Social Responsibility

Pejabat EksekutifExecutive Functionary

Kantor dan Delivery ChannelOffi ce and Delivery Channel

Produk dan LayananProduct and Services

Laporan KeuanganFinancial Report

Deskripsi coverCover description

Achieving Quality Growth

Gerak bankir-bankir muda yang gesit dan optimistik adalah simbol dari dinamika Perseroan yang peduli terhadap pembentukan SDI yang profesional, berkompeten, dan berintegritas. Kepedulian tersebut diyakini akan menjalar ke segala aktivitas bisnis Perseroan termasuk dalam hal pelayanan, baik secara eksternal maupun internal. Melalui kontribusi SDI yang dapat diandalkan, Perseroan optimistis pertumbuhan bisnis yang berkualitas dapat diraih dalam waktu yang relatif cepat.

The optimistic and nimble motion young bankers is a symbol of the dynamics of the Company who concerned with the formation of human resources who have a professional, competence, and integrity. This concern is believed will spread to all the business activities of the Company, included in the terms of service, both externally and internally. Through the contribution of reliable human resources, the Company optimistic that quality business growth can be achieved in a relatively rapid.

1BANK SYARIAH BUKOPIN ANNUAL REPORT 2012

financial highlight 2009 - 2012ikhtisar keuangan 2009 - 2012

PembiayaanFinancing

1.27

9.783

.535.6

04

1.61

1.773

.371.8

19

1.9

17.2

19.6

49.5

19

2.63

1.020

.754.7

05

1.974

.947.6

33.23

7

2.193

.952.3

28.07

7

2.7

30.0

26.9

09.8

23

3.616

.107.5

12.47

2

Total AsetAssets Total

Dana Pihak KetigaThird Party Fund

1.27

1.855

.366.5

01

1.62

1.913

.387.7

02

2.2

91.7

37.7

24.9

02

2.85

0.783

.990.6

58

Laba (Rugi) BersihNet Profit (Losses)

831.0

00.95

7

10.23

4.143

.192

12.

208.

835.

206

17.29

7.940

.859

Laba Bersih terhadap Modal Rata-rata (ROE)

0,87

%

9,65

%

6,19

% 7,32%

12,78

%

Rasio KecukupanModal (CAR)

13,06

%

11,51

%

15,2

9%

2009 2010 2011 2012

(In Rupiah)(Dalam Rupiah)

: pertumbuhan/growth

KETERANGAN 2009 2010 2011 2012 (%) ITEMS

Total Aset 1.974.947.633.237 2.193.952.328.077 2.730.026.909.823 3.616.107.512.472 32,46 Asset Total

Pembiayaan 1.279.783.535.604 1.611.773.371.819 1.917.219.649.519 2.631.020.754.705 37,23 Financing

Dana Pihak Ketiga 1.271.855.366.501 1.621.913.387.702 2.291.737.724.902 2.850.783.990.658 24,39 Third PartyFund

Ekuitas 133.331.233.872 143.565.377.065 255.774.212.271 273.072.153.130 6,76 Equity

Jumlah Pendapatan Operasional 131.417.646.431 223.155.327.611 245.305.959.145 311.220.062.756 26,87 Operating Income

Jumlah Beban Operasional 128.178.714.112 208.801.611.519 230.238.800.687 285.058.189.923 23,81 Operating Expenses

Laba Rugi Tahun Berjalan setelah pajak 831.000.957 10.234.143.192 12.208.835.206 17.297.940.859 41,68 Current Year Loss (Profit) after Tax

Rasio-rasio (%) Ratio (%)Rasio Kecukupan Modal 13,06 11,51 15,29 12,78 Capital Adequacy Ratio (CAR)

Laba Bersih terhadap Rata-rata Aset 0,06 0,74 0,52 0,55 Return on Asset (ROA)

Laba Bersih terhadap Rata-rata Modal 0,87 9,65 6,19 7,32 Return on Equity (ROE)

Total Pembiayaan terhadap Dana Pihak Ketiga 100,62 99,37 83,66 92,29 Financing to Deposit Ratio(FDR)

Pembiayaan Bermasalah Terhadap Total Pembiayaan 3,25 3,80 1,74 4,57 Non Performing Financing (NPF)

Beban Operasional terhadap Pendapatan Operasional 97,54 93,57 93,86 91,59 Operating Expenses to Operating Income

BANK SYARIAH BUKOPIN ANNUAL REPORT 2012 2

Q VisiMenjadi Bank Syariah Pilihandengan Pelayanan Terbaik

Q Misi

Memberikan pelayanan terbaik pada nasabah

Membentuk sumber daya insani (SDI) yang profesional dan amanah

Memfokuskan pengembangan usaha pada sektor UMKM (Usaha Mikro, Kecil,

& Menengah) Meningkatkan nilai tambah

kepada stakeholder

Q Nilai-Nilai Perusahaan Trustworthy Responsibility Excellence Caring Teamwork

Q VisionBecome the Preferred Islamic Bankwith the Best Services

Q Mission Deliver the Best Service To The

Customer Formalized Trustworthy &

Professional Human Resources Focus on Developing Micro,

Small, Medium Enterprises (MSME's)

Develop value added to the Stakeholder

Q Corporate Values Trustworthy Responsibility Excellence Caring Teamwork

vision, mission, and corporate values

visi, misi, dan nilai-nilai perusahaan


corporate strategystrategi korporasi

To achieve vision and mission in accordance to policy direction, PT Bank Syariah Bukopin has determine some strategic steps as follows:

1. Business development with focus in Micro, Small, Medium Enterprises (MSME's) sector

2. Developing Commercial Business3. Developing Consumer Business4. Provide Fee Based Services to Customer5. Strengthen Technology and Services

Network (Outlet)6. Strengthen Human Resources 7. Improvement in Risk Management and

Compliance Quality

Untuk mencapai visi dan misi sesuai dengan arah kebijakan, PT Bank Syariah Bukopin menetapkan langkah-langkah strategis sebagai berikut:

1. Pengembangan Usaha dengan Fokus pada Sektor UMKM

2. Mengembangkan Usaha Komersial3. Mengembangkan Usaha Konsumer4. Penyediaan Jasa-Jasa Fee-Based

kepada Nasabah5. Memperkuat Teknologi dan Jaringan

Pelayanan (outlet)6. Memperkuat SDI7. Peningkatan Kualitas Pengelolaan Risiko

dan Kepatuhan


Pemegang saham PT Bank Syariah Bukopin (selanjutnya disebut Perseroan) merupakan perusahaan nasional dan perorangan yang beberapa di antaranya adalah tokoh Muhammadiyah, salah satu organisasi kemasyarakatan Islam yang kegiatan dan keanggotaannya cukup diperhitungkan di Indonesia. Perseroan yang didirikan dengan modal dasar Rp1.000.000.000.000 (satu triliun rupiah) ini, pada 2012 memiliki modal disetor sebesar Rp450.370.000.000 (empat ratus lima puluh miliar tiga ratus tujuh puluh juta rupiah). Pemegang saham terbesar adalah PT Bank Bukopin, Tbk., dengan kepemilikan 77,57%. Komposisi kepemilikan saham Perseroan sebagai berikut:

PT Bank Syariah Bukopins (hereinafter referred as the Company) shareholders were part of national and individual companies, which some of them are figures from Muhammadiyah, an Islamic organization which activity and membership is quite respected in Indonesia. The Company was established with total of capital of Rp 1.000.000.000.000 (one trillion rupiah), in 2012, the Companys total of paid in capital is Rp450.370.000.000 (four hundred fifty billion and three hundred seventy million rupiah). The biggest shareholder is PT Bank Bukopin, Tbk., with 77.57% ownership. The composition of the Companys stock ownership is as follow:

No. Pemegang Saham Modal Disetor Saham Seri A Saham Seri B Saham Seri C Total Saham Komposisi No. Shareholders Paid in Capital Share of A Serie Share of B Serie Share of C Serie Share Total Composition (Lembar/Sheets) (Lembar/Sheets) (Lembar/Sheets) (Lembar/Sheets) 1 Emil Abeng Rp15.150.000.000 1,015.000 50.000.000 - 0,895%2 Tee Suprapto Rp4.250.000.000 425.000 - - 0,007%3 DR. Hajriyanto Y.Thohari, M.A. Rp36.670.000.000 3,667.000 - - 0,064%4 Dr. A. Munir Mulkhan Rp9.900.000.000 990.000 - - 0,017%5 Prof. Dr. HM Amin Aziz Rp7.100.000.000 710.000 - - 0,012%6 Firman Noor, S.H. Rp4.900.000.000 490.000 - - 0,009%7 Prof. Dr. M. Dawam Rahardjo Rp3.500.000.000 350.000 - - 0,006%8 Ir. HM Dasron Hamid, M.Sc. Rp2.900.000.000 290.000 - - 0,005%9 Drs. H. Sugeng Rp2.000.000.000 200.000 - - 0,004%10 Prof. DR Bambang Setiaji, M.Si. Rp9.000.000.000 - 90.000.000 - 1,579%11 PT Bank Bukopin, Tbk Rp242.000.000.000 - 420.000.000 4.000.000.000 77,569%12 PT Mitra Usaha Sarana Rp8.000.000.000 - 80.000.000 - 1,404%13 PT Jamsostek (Persero) Rp35.000.000.000 - 350.000.000 - 6,142%14 PT Bakrie Capital Indonesia Rp35.000.000.000 - 350.000.000 - 6,142%15 PT Mega Capital Indonesia Rp35.000.000.000 - 350.000.000 - 6,142% Rp450.370.000.000 8.137.000 1.690.000.000 4.000.000.000 5.698.137.000 100,00%

the shareholders ofpt bank syariah bukopin

pemegang saham pt bank syariah bukopin


organization structure of pt bank syariah bukopinstruktur organisasipt bank syariah bukopin

DIVISI SUPPORT PEMBIAYAAN

FINANCING SUPPORT DIVISION

DIREKTORAT BISNISBUSINESS DIRECTORATE

DIVISI MANAJEMEN RISIKO

RISK MANAGEMENT DIVISION

DIVISI KEPATUHAN COMPLIANCE DIVISION

SEKRETARIS PERUSAHAAN

CORPORATESECRETARY

SATUAN KERJA AUDIT INTERNINTERNAL AUDIT

TASK FORCE

DIVISI SUMBER DAYA INSANI

HUMAN RESOURCES DIVISION

KOMITE AUDITAUDIT COMMITTEE

KOMITE REMUNERASI& NOMINASI

NOMINATION & REMUNERATION

COMMITTEE

DEWAN KOMISARISBOARD OF COMMISSIONERS

DEWAN PENGAWAS SYARIAH

SHARIA SUPERVISORY BOARD

DIREKTORAT UTAMAPRIME DIRECTORATE

R U P SAGMS*

KOMITE PEMANTAU RISIKO

RISK MONITORING COMMITTEE

BAGIAN TREASURYTREASURY

DIVISI OPERASI & ANALISA KEUANGANFINANCIAL ANALISYS & OPERATION DIVISION

DIVISI PELAYANANSERVICE DIVISION

DIVISI SUPERVISI BISNIS & FEE BASED

FEE BASED & BUSINESS SUPERVISION DIVISION

DIVISI PENGEMBANGAN PRODUK

PRODUCT DEVELOPTMENT DIVISION

DIVISI RESTRUKTURISASI & PENYELESAIAN

PEMBIAYAANFINANCING RESTRUCTURING

& SETTLEMENT DIVISION

DIVISI BISNIS AREAAREA BUSINESS

DIVISION

DIREKTORAT OPERASI & PELAYANAN

OPERATION & SERVICE DIRECTORATE

DIVISI INSTITUSI/KOMERSIAL

COMMERCIAL/INSTITUTION DIVISON

DIVISI TEKNOLOGI INFORMASI

INFORMATION & TECHNOLOGY DIVISION

DIREKTORAT KEPATUHAN & MANAJEMEN RISIKO

COMPLIANCE & RISK MANAGEMENT DIRECTORATE

BISNIS CABANGBRANCH BUSINESS

*) Annual General Meeting of Shareholders

pt bank syariah bukopin profi le profil pt bank syariah bukopin

Ekspansi. Seiring upaya ekspansi usaha yang dilakukan, pada 2012, Perseroan terus berupaya

memperkuat permodalan dan memperluas jaringan melalui penambahan sejumlah delivery

channel baru di sejumlah wilayah.

Expansion. As expansion eff orts undertaken, in 2012, the Company continues to strengthen the capital and expand the

network by adding new delivery channels in some areas.


Keberadaan PT Bank Syariah Bukopin (selanjutnya disebut Perseroan) sebagai bank yang beroperasi dengan prinsip syariah bermula dari diakuisisinya PT Bank Persyarikatan Indonesia (sebuah bank umum konvensional) oleh PT Bank Bukopin, Tbk. Proses akuisisi tersebut berlangsung secara bertahap sejak 2005 hingga 2008. PT Bank Persyarikatan Indonesia sebagai cikal bakal Perseroan, sebelumnya bernama PT Bank Swansarindo Internasional, didirikan berdasarkan Akta Nomor 102 tanggal 29 Juli 1990, di hadapan Notaris Dr. Widjojo Wilami, S.H., di Samarinda, Kalimantan Timur.

Pendirian PT Bank Swansarindo Internasional sebagai bank umum tersebut sesuai dengan Surat Keputusan Menteri Keuangan Nomor 1659/KMK.013/1990 tanggal 31 Desember 1990 tentang Pemberian Izin Peleburan Usaha 2 (dua) Bank Pasar dan Peningkatan Status Menjadi Bank Umum. Selanjutnya, PT Bank Swansarindo Internasional memperoleh izin operasional berdasarkan surat Bank Indonesia Nomor 24/1/UPBD/PBD2/Smr tanggal 1 Mei 1991 tentang Pemberian Izin Usaha Bank Umum dan Pemindahan Alamat Kantor Bank.

Setelah diakuisisi oleh Organisasi Muhammadiyah pada akhir 2002, PT Bank Swansarindo Internasional mengalami perubahan nama menjadi PT Bank Persyarikatan Indonesia sesuai dengan Surat Bank Indonesia Nomor 5/4/KEP.DGS/2003 tanggal 24 Januari 2003 yang dituangkan ke dalam Akta Nomor 109 Tanggal 31 Januari 2003.

Pada perkembangannya kemudian, dalam proses penyehatan PT Bank Persyarikatan Indonesia (2005- 2008), PT Bank Bukopin, Tbk. melakukan akuisisi dengan memberikan tambahan modal dan asistensi kepada PT Bank Persyarikatan Indonesia. Selanjutnya, pada

The existence of PT Bank Syariah Bukopin (hereinafter referred to as the Company) as a bank that is operating with sharia principles started from the acquisition of PT Bank Persyarikatan Indonesia (a conventional commercial bank) by PT Bank Bukopin, Tbk. This acquisition took place gradually from 2005 to 2008. PT Bank Persyarikatan Indonesia as the forerunner of the Company, previously named PT Bank Swansarindo Internasional, was established based on Deed No. 102 dated 29th of July 1990, in front of notary Dr. Widjojo Wilami, SH., in Samarinda, East Kalimantan.

The establishment of PT Bank Swansarindo Internasional as a commercial bank is in accordance with the Decree of Finance Minister No. 1659/KMK.013/1990 dated 31st of December 1990 about Permission Granting for a Merger of 2 (two) Market Bank and Status Enhancement to Commercial Bank. Subsequently, PT Bank Swansarindo Internasional obtains its operational permit based on Letter of Bank Indonesia No. 24/1/UPBD/PBD2/Smr dated 1st of May 1991 about Grant for Commercial Bank Business Permission and Banks Office Relocation.

After being acquired by Muhammadiyah Organization on late 2002, PT Bank Swansarindo Internasional changed its name to PT Bank Persyarikatan Indonesia in accordance to Letter of Bank Indonesia No. 5/4/KEP.DGS/2003 dated 24th of January 2003 which is outlined in Deed No. 109 dated 31st of January 2003.

On the next development, in the process of restructurization of PT Bank Persyarikatan Indonesia (2005-2008), PT Bank Bukopin, Tbk. acquired PT Bank Persyarikatan Indonesia and provided with additional capital and assistance. Subsequently, on 2008, PT Bank Persyarikatan


2008, PT Bank Persyarikatan Indonesia berubah nama menjadi PT Bank Syariah Bukopin. Perubahan nama tersebut sekaligus menjadi penanda perubahan kegiatan usaha bank, dari bank konvensional menjadi bank syariah. Secara legal dan formal, perubahan kegiatan usaha bank tersebut berdasarkan Surat Keputusan Gubernur Bank Indonesia Nomor 10/69/KEP.GBI/DpG/2008 tanggal 27 Oktober 2008.

Secara efektif, Perseroan baru menjalankan kegiatan usaha sebagai bank dengan prinsip syariah pada 9 Desember 2008. Selanjutnya, kegiatan operasional Perseroan secara resmi dibuka oleh M. Jusuf Kalla, Wakil Presiden Republik Indonesia (periode 2004-2009),pada 11 Desember 2008.

Indonesia changed its name to PT Bank Syariah Bukopin. This change of name also acts as a sign of the banks business activity alteration, from conventional bank to sharia bank. Legally and formally, the banks business activity alteration is based on Decree of the Governor of Bank Indonesia No. 10/69/KEP.GBI/DpG/2008 dated 27th of October 2008.

Effectively, the new Company implemented its business activity as a bank with sharia principles on 9th of December 2008. Subsequently, the operational activity of the Company is officially inaugurated by M. Jusuf Kalla, Vice President of the Republic of Indonesia (2004-2009 periods) on 11th of December 2008.

BANK SYARIAH BUKOPIN PROFILEProfil Bank Syariah Bukopin

Mile Stone PT Bank Syariah Bukopin


Sebagai bentuk komitmen kuat pemegang saham mayoritas untuk menjadikan Perseroan sebagai bank syariah dengan pelayanan terbaik, pada 10 Juli 2009 PT Bank Bukopin, Tbk. selanjutnya mengalihkan Hak dan Kewajiban Unit Usaha Syariah (UUS) PT Bank Bukopin, Tbk. ke dalam badan usaha Perseroan. Sejak saat itu, PT Bank Bukopin, Tbk. selaku pemegang saham mayoritas senantiasa menunjukkan dukungannya terhadap Perseroan, khususnya dalam pengembangan usaha dan jaringan. Salah satu bentuk dukungan tersebut diwujudkan melalui penambahan modal dan sejumlah upaya penguatan usaha bagi Perseroan.

Dalam kancah industri perbankan syariah nasional, Perseroan mengambil posisi sebagai bank yang fokus pada pembiayaan UMKM. Segmentasi usaha Perseroan yaitu pada bidang pendidikan, kesehatan, minyak dan gas (migas), telekomunikasi, transportasi, pariwisata, konstruksi, dan perdagangan umum. Selain terus berinovasi di bidang usaha pembiayaan, Perseroan senantiasa memperkuat bidang usaha penghimpunan dana yang bersumber dari individu (perorangan) maupun perusahaan-perusahaan di Tanah Air.

Seiring dengan dinamika bisnis perbankan syariah yang semakin berkembang, Perseroan juga terus melakukan upaya penguatan usaha

As a form of a strong commitment from the majority of the shareholder to make the Company as a sharia bank with the best service, on 10th of July 2009, PT Bank Bukopin, Tbk. subsequently divert the Rights and Obligations of Islamic Business Unit of PT Bank Bukopin, Tbk. into the business entity of the Company. From that moment, PT Bank Bukopin, Tbk., as the majority shareholder, continues to show its support to the Company, especially in the business and network development. One form of support that it shows is realized through addition of capital and several efforts of business reinforcement for the Company.

In the national Islamic banking industry, the Company is positioning itself as a bank that is focusing in business financing for Micro, Small and Medium Enterprises Financing (MSME's). While the segmentation of the Companys business is in the field of education, health, oil and gas, telecommunication, transportation, tourism, construction, and general trading. Aside from continually inovating in the business field of financing, the Company also try to strengthen the business field of fund collecting which are derived from both individual (personal) and corporation in Indonesia.

Along with the dynamic growth of Islamic banking business, the Company also continually strive to strengthen its business and institutional

Dalam kancah industri perbankan syariah nasional, Perseroan mengambil posisi sebagai

bank yang fokus pada UMKM.

In the national Islamic banking industry, the Company is positioning itself as a bank that is focusing in business financing for Micro, Small, and Medium Enterprises (MSME's).


dan kelembagaan melalui peningkatan kualitas produk dan layanan. Salah satunya melalui perluasan jaringan kantor. Perseroan saat ini telah memiliki 10 (sepuluh) Kantor Cabang, 7 (tujuh) Kantor Cabang Pembantu, dan 4 (empat) Kantor Kas di sejumlah wilayah di Tanah Air, serta 53 (lima puluh tiga) Layanan Syariah PT Bank Bukopin, Tbk.

Dari waktu ke waktu, penguatan usaha tersebut juga diimbangi dengan penguatan di bidang SDI, baik secara kualitas (kompetensi dan integritas) maupun kuantitas. Pada 2012, Perseroan melakukan rekrutmen dan melaksanakan training Management Development Program (MDP) II (sebelumnya Officer Development Program atau ODP). Lulusan ODP I, pada 2011, sebagian berhasil menduduki posisi sebagai Kepala Cabang, Manajer Pelayanan dan Operasi, serta Manajer Bisnis.

Secara berkelanjutan, Perseroan juga terus melaksanakan training-training yang bersifat mandatory (seperti manajemen risiko dan pendidikan dasar perbankan syariah) dan training yang bersifat program (seperti program account officer), maupun training-training peningkatan kemampuan khusus lainnya. Demi kenyamanan dan kemudahan layanan transaksi bagi nasabah, Perseroan juga melakukan pengembangan Teknologi Informasi (TI) yang memadai sesuai dengan kebutuhan nasabah.

Dengan kinerja yang terus meningkat, eksistensi Perseroan dalam industri perbankan syariah Tanah Air semakin diakui oleh banyak pihak. Sejumlah penghargaan dari lembaga yang berkompeten di bidangnya pun diraih Perseroan sejak 2009-2012. Pada 2012, penghargaan yang diraih Perseroan antara lain (1) The Best Phone Handling untuk kelompok Bank Syariah dan Unit Usaha Syariah (UUS) dalam "Banking Service Excellent Award 2012" yang diselenggarakan oleh Majalah Infobank dan Marketing Research Indonesia (MRI); (2) Peringkat 2 Digital Islamic Bank Brand dalam Infobank Digital Brand of the Year 2011 yang diselenggarakan oleh Majalah Infobank dan Twinkle Spin Pingfans Group; (3) Predikat Bagus untuk Bank Syariah yang Fokus dalam Pembiayaan UMKM dalam 7th

by increasing the quality of its products and services. One way to do that is by expanding its office networking. In 2012, the Company has own 10 (Ten) Branch Offices, 7 (Seven) Sub-Branch Offices, and 4 (Four) Cash Offices at several areas in Indonesia, also 53 (fifty three) delivery channels at PT Bank Bukopin, Tbk.

From time to time, that business strengthening effort is also balanced with a reinforcement of Human Resources (HR), both by quality (competency and integrity) and quantity. In 2012, the Company recruited and implemented of Management Development Program (MDP) II training (previously called Officer Development Program or ODP). Meanwhile, some employee who graduated from ODP I in 2011 manage to occupy positions as Head of Branch, Operation and Service Manager, and Business Manager.

Continually, the Company also keep implementing mandatory trainings (such as risk management and basic education of Islamic banking) and program trainings, (such as account officer program), and other training that aims to improve other special skills. In order to give a convenient and easy service for customers, the Company also develop appropriate Information Technology in accordance with the customer's needs.

With improving performance, the existence of the Company in Islamic banking industri in Indonesia is getting more recognition from many people. Several awards from competent institution have been achieved by the Company since 2009-2012. In 2012, several awards that are achieved by the Company are as follows: (1) The Best Phone Handling for Islamic Bank and Islamic Business Unit of Conventional Bank Category in Banking Service Excellent Award 2012 by Infobank Magazine and Marketing Research Indonesia; (2) The 2nd Digital Islamic Bank Brand in Infobank Digital Brand of The Year 2011 by Infobank Magazine and Twinkle Spin Pingfans Group; (3) Predicate Good for Islamic Bank focused on MSME's in 7th Anniversary Indonesia Property & Bank Award

BANK SYARIAH BUKOPIN PROFILEProfil Bank Syariah Bukopin


No Subjek/Subject Keterangan/Information

1 Nama Bank/Name of the Bank PT Bank Syariah Bukopin/PT Bank Syariah Bukopin2 Alamat/Address Jalan Salemba Raya Nomor 55, Salemba, Jakarta Pusat 104403 Telepon/Telephone 021-23009124 Fax/Fax 021-31484015 Homepage/Homepage www.syariahbukopin.co.id6 Email/Email [email protected] Tanggal Berdiri/Date of Establishment 29 Juli 1990/29th of July 19908 Mulai Beroperasi/Operation Started 9 Desember 2008/9th of December 20089 Modal Dasar/Capital Rp1.000.000.000.000,- 10 Modal Disetor/Paid in Capital Rp450.370.000.000,-11 Ekuitas/Equity Rp273.072.153.13012 Kantor Layanan/Office 21 kantor layanan di seluruh Indonesia/ 21 service offices all around Indonesia13 Kantor Layanan Syariah/ 53 kantor layanan syariah/ Delivery Channel 53 Delivery channel14 Jaringan ATM/ATM Network Jaringan ATM meliputi: ATM Network consist of: ATM Syariah Bukopin,/ATM Syariah Bukopin, ATM Bukopin,/ATM Bukopin, ATM Bersama,/ATM Bersama, ATM Prima/ATM Prima 15 Jumlah Pegawai/Number of Employee 539 orang/539 person

Data-data PT Bank Syariah Bukopin/Data of PT Bank Syariah Bukopin

2012 by Property & Bank Magazine; (4) Service to Care Award for Saving Account Islamic Banking Category in Indonesia Service to Care Champion 2012 by Markplus Inc.; (5) The Best Bank in Corporate Social Responsibility category, The 2nd Rank in Good Corporate Governance category, The 3rd Rank in Corporate Communication category and The 3rd Rank in Financial Aspects category in Anugerah Perbankan Indonesia for category of Bank of Rp1 trillion to Rp10 trillion in Asset by Perbanas Institute, Business Review Magazine dan Women Review Magazine.

In dealing with business competition and economical challenges nowadays, the Company is optimistic that it is able to keep developing and giving a prime service to the entire customer and community that really needs banking and financial services that are based on sharia system in Indonesia.

Anniversary Indonesia Property & Bank Award 2012 yang diselenggarakan oleh Majalah Property & Bank; (4) Service to Care Award kategori Saving Account Islamic Banking dalam Indonesia Service to Care Champion 2012 yang diselenggarakan oleh Markplus Inc.; (5) The Best Bank untuk Corporate Social Responsibility, Peringkat 2 Good Corporate Governance, Peringkat 3 Corporate Communication dan Peringkat 3 Financial Aspects untuk Bank dengan aset Rp1 trililun sampai Rp10 triliun dalam Anugerah Perbankan Indonesia yang diselenggarakan oleh Perbanas Institute, Majalah Business Review dan Majalah Women Review.

Menghadapi persaingan usaha dan tantangan ekonomi dewasa ini, Perseroan tetap optimistis dapat terus berkembang dan mampu memberikan pelayanan yang prima kepada segenap nasabah dan masyarakat yang sangat membu tuhkan jasa-jasa perbankan dan keuangan berdasarkan sistem syariah di negeri ini.


Januari25 Januari 2012. Menerima penghargaan Indonesia Service to Care Champions 2012 dari Markplus Insight dengan kategori Saving Account, Islamic Banking di Four Seasons Hotel, Jakarta.

JanuaryJanuary 25, 2012. Awarded Indonesia Service to Care Champions 2012 from Markplus Insight in the category of Saving Account, Islamic Banking at Four Seasons Hotel, Jakarta.

26 Januari 2012. Meraih penghargaan Infobank Digital of The Year 2012 pering kat kedua untuk kategori Digital Islamic Bank Brand yang diselenggarakan oleh Majalah Infobank di Hotel Le Meridien, Jakarta.

January 26, 2012. Awarded second rank Infobank Digital of The Year 2012 for the category of Digital Islamic Bank Brand held by Infobank Magazine at Le Meridien Hotel, Jakarta

Maret22 Maret 2012. Penan datanganan perjanjian kerja sama tentang Penerimaan Setoran Investasi Wakaf Uang dengan Yayasan Haji Sepan jang Hayat di bawah pengawasan Ikatan Persaudaraan Haji Indonesia (IPHI) di Kantor Pusat.

MarchMarch 22, 2012. Signing of the agreement regarding the acceptance of deposit investment of Endowment/Waqf money with Sepanjang Hayat Hajj Foun dation, under the supervision of The Fra te rnity of Indonesian Hajj Association (IPHI) at the Head Office.

23 April 2012. Peresmian Kantor Cabang Pembantu (KCP) Bank Syariah Bukopin Kelapa Gading di lakukan secara simbolis oleh Koordinator Koperasi dan Industri Wilayah Jakarta Utara, Made Winada dengan membuka rekening perdana di KCP Kelapa Gading.

April 23, 2012. The inauguration of Bank Syariah Bukopin Kelapa Gading Sub Branch held in symbolic ceremony by Made Winada, acting as Coordinator of Cooperation and Industry of North Jakarta, by opening the first account at Kelapa Gading Sub Branch.

Februari27 Februari 2012. Penandatanganan Perjanjian Kerjasama dengan PT AAA Securities tentang Sub Agen Penjualan Sukuk Negara Ritel Republik Indonesia Seri SR-004 Tahun 2012 di Kantor Pusat.

FebruaryFebruary 27, 2012. Signing of the cooperation agreement with PT AAA Securities regarding Sukuk Sub Agent for the Indonesia Sukuk retail selling Series of SR-004 year 2012 at the Head Office.

Mei16 Mei 2012. Talk show business matching International Franchise License & Business Concept Expo & Conference (IFRA) 2012 di Bank Indonesia.

MayMay 16, 2012. Talk show of International Franchise License & Business Concept Expo & Conference (IFRA) 2012 business matching at the Central Bank of Indonesia.

26 April 2012. Peresmian Kantor Cabang Pembantu (KCP) Bank Syariah Bukopin Bekasi di KCP Bekasi oleh Walikota Bekasi didampingi oleh Direktur Utama, Riyanto.

April 26, 2012. The Inauguration of Bank Syariah Bukopin Bekasi Sub Branch at Bekasi Sub Branch by Bekasi Mayor accompanied by Riyanto, President Director.

28 Maret 2012. Rapat Umum Pemegang Saham Tahunan (RUPST) PT Bank Syariah Bukopin di Hotel Puri Denpasar, Jakarta Selatan.

March 28, 2012. The Annual General Meeting of Shareholders of PT Bank Syariah Bukopin at Hotel Puri Denpasar, South Jakarta.

April6-11 April 2012. Berpartisipasi dalam acara peringatan ulang tahun ke-22 dan Rapat Kerja Nasional (Rakernas) ke-10 Ikatan Persaudaraan Haji Indonesia ( IPHI) di Solo Diamond Convention Center.

AprilApril 6-11, 2012. Participated in the 22nd Anniversary and the 10th national working meeting of Indonesian Hajj Fraternal Bond at Solo Diamond Convention Center.

significantevent 2012

peristiwa penting 2012


29 Mei 2012. Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) Bank Syariah Bukopin di Kantor Pusat.

May 29, 2012. Extraordinary General Meeting of Shareholders of Bank Syariah Bukopin at the Head Office.

Juni1-3 Juni 2012. Mendukung iB campaign dengan berpartisipasi pada acara International Franchise License & Business Concept Expo & Conference (IFRA) 2012 di Jakarta Convention Center.

JuneJune 1-3, 2012. Supporting the iB campaign by participating in the International Franchise License & Business Concept Expo & Conference (IFRA) 2012 at Jakarta Convention Center.

27 Juni 1 Juli 2012. Berpartisipasi dalam Indonesia Banking Expo (IBEX) 2012 di Jakarta Convention Center yang diseleng garakan oleh Perhimpunan Bank-Bank Nasional (Perbanas) dan Bank Indonesia.

June 27 July 1, 2012. Participated in Indonesia Banking Expo (IBEX) 2012 at Jakarta Convention Center held by Indonesia Banking Association (Perbanas) and Central Bank of Indonesia.

22 Juni 2012. Tasyakuran pembukaan Kantor Kas Universitas Muham madi yah Surakarta di Solo.

June 22, 2012. Tasyakuran of the opening Universitas Muhammadiyah Sura kar ta Cash Office in Solo.

16 Juni 2012. Berpartisipasi memperingati HUT Bhayangkara ke-66 dalam acara sepeda santai Bhayangkara Gowes di Depok, Jawa Barat. Acara tersebut dihadiri oleh Riyanto, Direktur Utama.

Juni 16, 2012. Participated in 66th Bhayangkara Anniversary by cycling at Bhayangkara Gowes event, Depok, West Java. President Director attended the event.

28 Juni 2012. Menerima Banking Service Excellence Award 2012 dari Majalah Infobank yang bekerja sama dengan Marketing Research Indonesia (MRI) di Hotel Mulia, Senayan, Jakarta.

June 28, 2012. Awarded Banking Service Excellence Award 2012 from Infobank Magazine cooporate with Marketing Research Indonesia (MRI) at Mulia Hotel, Senayan, Jakarta.

Juli3 Juli 2012. Penan datanganan perjanjian kerja sama dengan Dompet Dhuafa dalam rangka kampanye sosialisasi Zakat, Infaq, Wakaf, dan ban tuan sosial dari masyarakat selama Ramadhan 1433 H di Kantor Pusat.

JulyJuly 3, 2012. Signing the agreement with Dompet Dhuafa in regards of socialization campaign on Zakat, Infaq, Waqf/Endowment and social grant from the community during Ramadhan 1433 H, at the Head Office.

5 Juli 2012. Menerima penghargaan sebagai Bank Syariah yang Fokus dalam Pembiayaan Usaha Mikro, Kecil, dan Menengah (UMKM) dengan predikat Bagus dalam 7th Indonesia Property and Bank Award 2012 yang diseleng-garakan oleh Majalah Property and Bank di Hotel Mulia, Senayan, Jakarta.

July 5, 2012. Awarded as Sharia Bank Focus on Micro, Small and Medium Enterprises Financing with Good predicate in 7th Indonesia Property and Bank Award 2012 held by Property and Bank Magazine at Mulia Hotel, Senayan, Jakarta.

BANK SYARIAH BUKOPIN ANNUAL REPORT 2012 14SIGNIFICANT EVENT 2012Peristiwa Penting 2012

Agustus9 Agustus 2012. Buka puasa bersama dengan media mas sa di restoran Warung Daun, Jakarta. Aca ra ini rutin diseleng garakan setiap tahun.

AugustAugust 9, 2012. Breaking fast with mass media at Warung Daun restaurant, Jakarta. The event is annual event.

10 Agustus 2012. Menyelenggarakan Buka Puasa Bersama Karyawan PT Bank Syariah Bukopin dengan tema Menjadikan Ramadhan sebagai Sarana Pengembangan Diri Menuju Insan yang Bertakwa di Kantor Pusat.

August 10, 2012. Held The Employee of PT Bank Syariah Bukopin Breaking Fast with the theme of Reflecting Ramadhan as the Implementation of Self Development Toward a Righteous Human at the Head Office.

Oktober1 Oktober 2012. Pembukaan kelas training Management Development Pro gram II (MDP II) di Pelangi Resort, Sentul , Bogor.

OctoberOctober 1, 2012. Opening Manage ment Development Program II (MDP II) trai ning class at Pelangi Resort, Sentul, Bogor.

30 Oktober 2012. Tasyakuran pembukaan Kantor Kas Universitas Muhammad i yah Makassar (Unismuh) di Makassar.

October 30, 2012. Tasyakuran the opening of Makassar Muhammadiyah University Cash Office at Makassar

29 Oktober 2012. Pelantikan dan Sumpah Jabatan Pejabat Eksekutif Bank Syariah Bukopin di Kantor Pusat.

October 29, 2012. Inauguration and Oath of the Executive Officers of Bank Syariah Bukopin at the Head Office.

27 Agustus 2012. Halalbihala l antara manajemen dengan karyawan area Jakarta di ruang meeting Kantor Pusat.

August 27, 2012. Hala lb ihala l among management with Jakarta area employees at the meeting room of the Head Office.

September26 September 2012. Tasyakuran re-launching Kantor Cabang Pembantu (KCP) Kramat jati. Acara tersebut ditandai dengan pembukaan rekening iB SiAga Bisnis oleh nasabah prioritas KCP Kramat Jati yang disaksikan oleh Direktur Bisnis, Harry Harmono Busiri.

SeptemberSeptember 26, 2012. Tasyakuran regards of the re-launching of Kramat Jati Sub Branch Jakarta. Those event was marked by the opening of iB SiAga Business by priority customer of Kramat Jati Sub Branch, witnessed by Business Director, Harry Harmono Busiri.


Desember9 Desember 2012. Syukuran Milad ke-4 BSB dengan menyelenggarakan fun bike dari Kantor Pusat menuju Pantai Indah Ancol Jakarta Utara.

DecemberDecember 9, 2012. Commemorate 4th anniversary of BSB with Fun Bike event from Head Office to Pantai Indah Ancol, Jakarta.

17-19 Desember 2012. Berpar tisipasi dalam iB Vaganza: Serunya Ber-Bank Syariah yang digelar Bank Indonesia bekerja sama dengan bank umum syariah (BUS) dan unit usaha syariah (UUS) di lobby Bank Indonesia. Acara meliputi open table, corporate social responsibility (CSR), dan kegiatan yang melibatkan pelaku usaha kecil dan menengah (UKM).

December 17-19, 2012. Participating in iB Vaganza: The Fun of Sharia Bank held by the Central Bank of Indonesia that cooperate with Islamic commercial bank and Islamic business unit of conventional bank (BUS) at the lobby of Central Bank of Indonesia. The event includes open table, corporate social responsibility (CSR), and activities that involved entrepreneurs of small and medium enterprises (SMEs).

13 Desember 2012. Menerima peng hargaan Peringkat 1 kategori The Best Bank 2012 in Best Corporate for Corporate Socia l Responsibility serta beberapa kategori lainnya dalam Anugerah Perbankan Indonesia dari Perbanas Institute, Majalah Business Review dan Majalah Women Review di Tiara Ballroom, Crown Plaza Hotel, Jakarta.

December 13, 2012. Awarded as the first rank for the category of The Best Bank 2012 in Best Corporate Social Responsibility and also some categories in Anugerah Perbankan Indonesia from Perbanas Institute, Business Review Magazine and Women Review Magazine at Tiara Ballroom, Crowne Plaza Hotel, Jakarta.

11 Desember 2012. Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) di Kantor Pusat.

December 11, 2012. Extraordinary General Meeting of Share holders at the Head Office.

pt bank syariahbukopin achievement

prestasi pt bank syariah bukopin

Konsisten dan Komitmen. Konsistensi dan komitmen yang kuat untuk memberikan layanan terbaik kepada nasabah merupakan

spirit yang mengilhami seluruh pihak di lingkungan internal Perseroan. Dari hal yang demikian, Perseroan mampu meraih

simpati dan kepercayaan publik perbankan di Tanah Air.

Consistency and Commitment. Consistency and a strong commitment to providing the best service to customers is the spirit that inspires all stakeholders in the Companys internal

environment. Of such things, the Company was able to gain the sympathy and banking public trust in the country .


Menjadi bank syariah dengan layanan terbaik di negeri ini merupakan spirit seluruh jajaran karyawan dan pengurus Perseroan. Upaya ke arah tersebut tentu harus ditopang dengan peningkatan pelayanan kepada nasabah, selain pencapaian kinerja Perseroan yang baik.

Kendati baru menapak tahun keempat dalam kancah bisnis perbankan syariah Tanah Air, komitmen Perseroan untuk memberikan layanan terbaik kepada masyarakat secara luas tidak kalah dengan bank umum syariah lain yang telah lebih dulu hadir.

Kepuasan nasabah merupakan hal utama bagi Perseroan dalam menjalankan bisnis perbankan syariah. Upaya keras yang dilakukan secara terus-menerus dan berkesinambungan untuk meningkatkan kualitas layanan melalui pengem-bangan produk dan layanan, baik di bidang pembiayaan maupun simpanan, mendapat pengakuan secara luas dari masyarakat.

Seperti tahun-tahun sebelumnya, pada 2012 sejumlah lembaga yang berkompeten melakukan penilaian terhadap kinerja industri perbankan syariah, menganugerahi sejumlah penghargaan yang prestisius kepada Perseroan. Hal tersebut menunjukkan bahwa konsistensi dan komitmen kuat Perseroan untuk memberikan layanan terbaik kepada nasabah tak sekadar slogan dan pemanis, tetapi telah mengakar kuat pada setiap insan Perseroan. Berikut sejumlah penghargaan yang disematkan kepada Perseroan pada 2012:

1. 25 Januari 2012, Perseroan menerima penghargaan dalam Indonesia Service to Care Champions 2012 dari Marketeers;

2. 26 Januari 2012, Perseroan meraih peringkat kedua untuk kategori Digital Islamic Bank Brand dari Majalah Infobank dalam Infobank Digital of The Year 2012;

To be the islamic bank with the best service in this country is the spirit of the entire employee and management of the Company. Efforts in that direction is certainly must be supported with a service improvement towards the company, and a good Company work achievement.

Eventhough the Company has been around for only 4 years in the national Islamic banking business, the Companys commitment to give the best service to the community is no less than the other Islamic commercial banks that was established sooner.

Customer satisfaction is the main thing for the Company in running Islamic banking business. Continuous and sustainable efforts to improve service quality through product and service development, both in financing and deposit, have received widespread recognition from the community.

Like in previous years, in 2012 several institutions that are competent in evaluating Islamic banking industry performance have bestowed the Company with several prestigious awards. This shows that the Companys consistency and strong commitment to give the best service to the customer is not just a slogan, but have rooted deeply in every person in the Company. Here are several awards that the Company got in 2012:

1. 25th of January 2012, The Company receive

an award in Indonesia Service to Care Champions 2012 from the Marketeers;

2. 26th of January 2012, The Company seized the second rank for the category of Digital Islamic Bank Brand from Infobank Magazine in Infobank Digital of The Year 2012;

BANK SYARIAH BUKOPIN ANNUAL REPORT 2012 18BANK SYARIAH BUKOPIN ACHIEVMENTPrestasi Bank Syariah Bukopin

3. 28 Juni 2012, Perseroan mendapat penghargaan dalam Banking Service Excellence Award 2012 dari Majalah Infobank;

4. 5 Juli 2012, Perseroan meraih penghargaan sebagai Bank Syariah Berpredikat Bagus dari Majalah Property and Bank dalam ajang 7th Indonesia Property and Bank Award 2012;

5. 13 Desember 2012, dalam ajang Anugerah Perbankan Indonesia yang digelar oleh Perbanas Institute, Majalah Business Review dan Majalah Women Review, Perseroan meraih beberapa penghargaan sebagai berikut:

Peringkat pertama kategori The Best Bank 2012 in Best Corporate for Corporate Social Responsibility;

3. 28th of June 2012, The Company receive an award in Banking Service Excellence Award 2012 from Infobank Magazine;

4. 5th of July 2012, The Company receive an award as the Islamic Bank with Good predicate from Property and Bank Magazine in 7th Property and Bank Award 2012;

5. 13th of December 2012, in Indonesian Banking Award (Anugerah Perbankan Indonesia) that was held by Perbanas Institute, Business Review Magazine and Women Review Magazine, the Company received these following awards:

1st Rank for the category of The Best Bank 2012 in Best Corporate for Corporate Social Responsibility;


Peringkat kedua kategori The Best Bank 2012 in Best Corporate for Good Corporate Governance;

Peringkat ketiga kategori The Best Bank 2012 in Best Corporate for Corporate Communication;

Peringkat ketiga The Best Bank 2012 in Financial Aspects untuk kategori bank syariah beraset Rp1 triliun sampai dengan Rp10 triliun.

2nd Rank for the category of The Best Bank 2012 in Best Corporate for Good Corporate Governance;

3rd Rank for the category of The Best Bank 2012 in Best Corporate for Corporate Communication;

3rd Rank for The Best Bank 2012 in Financial Aspects for the category of Islamic bank with assets between

Rp1 trillion up to Rp10 trillion.

pengurus pt bank syariah bukopin

the management ofpt bank syariah bukopin

In 2012, there was a turn of the Management of PT Bank Syariah Bukopin, id est the turn of President Commissioner of Sudarmin Sjamsoe, SE, to Mulyana, SH. Meanwhile, the Shariah Supervisory Board of PT Bank Syariah Bukopin still consists of 2 (two) supervisors, namely Prof. DR. H.M. Din Syamsudin, MA, as Sharia Supervisory Board Chairman and H. Ikhwan Basrie Abidin, MA, Member of Sharia Supervisory Board. It was because DR. H. Anwar Abbas, MM, M.Ag, Sharia Supervisory Board member, withdrew since 2011. Nonetheless, the duties and functions of Sharia Supervisory Board are still doing optimal. Next, based on the results of the Extra Ordinary General Meeting of Shareholders Company, dated December 11, 2012, as outlined in numbers 15 Notary Act, the order of the Board of Commissioners, Board of Directors, and the Shariah Supervisory Board of PT Bank Syariah Bukopin is as follows:

Pada 2012, terjadi pergantian pengurus di PT Bank Syariah Bukopin, yakni pergantian Komisaris Utama dari Sudarmin Sjamsoe, S.E., kepada Mulyana, S.H. Sementara itu, Dewan Pengawas Syariah (DPS) PT Bank Syariah Bukopin tetap terdiri dari 2 (dua) pengawas, yakni Prof. DR. H.M. Din Syamsudin, M.A. sebagai Ketua DPS dan H. Ikhwan Abidin Basrie, M.A. sebagai Anggota DPS. Hal tersebut dikarenakan DR. H. Anwar Abbas, M.M., M.Ag, anggota DPS mengundurkan diri sejak 2011. Walau demikian, tugas dan fungsi DPS masih berjalan dengan optimal. Selanjutnya, Berdasarkan hasil keputusan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB) Perseroan, tanggal 11 Desember 2012, yang dituangkan dalam Akta Notaris Nomor 15, maka susunan Dewan Komisaris, Direksi, dan Dewan Pengawas Syariah PT Bank Syariah Bukopin adalah sebagai berikut:


Komisaris IndependenDR. Hajriyanto Y. Thohari, M.A.

Berusia 53 tahun, lahir di Karanganyar (Jawa Tengah), dan meraih gelar master of art dari Universitas Indonesia. Menduduki jabatan Komisaris Independen sejak September 2008. Sebelumnya menjabat sebagai komisaris Bank Persyarikatan Indonesia (BPI) pada 2001. Saat ini menjadi anggota Dewan Perwakilan Rakyat (DPR)-Majelis Permusyawaratan Rakyat (MPR) Republik Indonesia (RI) selama empat periode sejak 1997 dan juga menjabat sebagai Wakil Ketua MPR RI.

Komisaris IndependenProf. DR. Bambang Setiaji, M.Si.

Berusia 55 tahun, lahir di Pacitan (Jawa Timur), dan mendapat gelar doktor ekonomi dari Universitas Gadjah Mada. Menjabat sebagai Komisaris Independen sejak Maret 2008. Sempat menduduki jabatan Komisaris Bank Persyarikatan Indonesia (BPI) pada 2006. Saat ini menjabat sebagai Rektor Universitas Muhammadiyah Surakarta. Selain itu, bertanggung jawab sebagai Wakil Ketua Majelis Ekonomi Pimpinan Pusat (PP) Muhammadiyah.

Independent CommissionerDR. Hajriyanto Y. Thohari, M.A.

Aged 53 years old, he was born in Karanganyar (Central Java), and achieved the Master of Art from University of Indonesia. He assumed the post of Independent Commissioner since September 2008. Prior to that, he served as the Commissioner of Bank Persyarikatan Indonesia (BPI) on 2001. He is also a member of Indonesian House of Representatives and Peoples Consultative Assembly for 4 periods since 1997 and also as the Vice Chairman of Indonesian Peoples Consultative Assembly.

Independent CommissionerProf. DR. Bambang Setiaji, M.Si.

Aged 55 years old, he was born in Pacitan (East Java), and earns his doctoral degree in Economics from Gadjah Mada University. He served as the Independent Commissioner since March 2008. Previously, he served as the Commissioner Bank Persyarikatan Indonesia (BPI) on 2006. Currently, he is also the Rector of Muhammadiyah University in Surakarta. Besides that, he is also responsible as Vice Chairman Economic Panel of Muhammadiyah Central Executive.

Komisaris UtamaMulyana, S.H.

Berusia 56 tahun, lahir di Bandung (Jawa Barat), dan lulusan Fakultas Hukum Universitas Indonesia. Menjabat sebagai Komisaris Utama sejak Desember 2012. Sebelumnya berkarier di PT Bank Bukopin, Tbk. sejak 1986. Pernah menjabat sebagai Kepala Bagian Credit Management, Kepala Bagian Credit Support, Kepala Urusan Credit Support, Kepala Urusan Legal & Credit Investigation, Sekretaris Perusahaan, Kepala Divisi Pengembangan SDM, dan terakhir sebagai Kepala Divisi Hukum Perusahaan. Saat ini juga menjabat sebagai Direktur PT Mitra Usaha Sarana.

President CommissionerMulyana, S.H.

Aged 56 years old, he was born in Bandung (West Java) and graduated from the Law Faculty of University of Indonesia. He served as the President Commissioner since December 2012. Previously, he has served PT Bank Bukopin, Tbk. since 1986 as the Head of Credit Management, Head of Credit Support, Chief Affairs of Credit Support, Chief Affairs of Legal & Credit Investigation, Corporate Secretary, Head of Human Resources Division, and the last position as Head of Companys Legal Division. Currently he is also working as Director of PT Mitra Usaha Sarana.

Dewan KomisarisBoard of Commissioners


Direktur UtamaRiyanto

Berusia 52 tahun, lahir di Bandung (Jawa Barat), dan alumnus Fakultas Ekonomi Akuntansi Universitas Padjadjaran, Bandung. Menjabat sebagai Direktur Utama sejak September 2008. Sebelumnya berkarier di PT Bank Bukopin, Tbk sejak 1988. Sedangkan, jabatan yang pernah diembannya antara lain sebagai Pemimpin Cabang Pembantu, Kepala Urusan Risk Management Compliance, Head Division Servicing Agent, Kepala Urusan Restrukturisasi & Penyaluran Kredit, Kepala Urusan Perencanaan dan Analisa Keuangan, serta Sekretaris Perusahaan di PT Bank Bukopin, Tbk.

Direktur BisnisHarry Harmono Busiri

Berusia 59 tahun, kelahiran Malang (Jawa Timur), dan lulusan Universitas Padjadjaran, Bandung. Menjabat sebagai Direktur Bisnis sejak Maret 2010. Sebelumnya menjabat sebagai komisaris utama sejak Desember 2008. Kariernya di PT Bank Bukopin, Tbk. bermula pada 1991. Jabatan yang pernah diduduki adalah Pemimpin Cabang Pembantu, Kepala Bidang/Head Group Urusan Kredit & Marketing, Kepala Divisi Agrobisnis.

President DirectorRiyanto

Aged 52 years old, he was born in Bandung (West Java). He is also an alumnus of the Faculty of Accounting Economics Padjadjaran University, Bandung. He served as a President Director since September 2008. Previously, he served as Head of Sub Branch, Chief Affairs of Risk Management Compliance, Head Division Servicing Agent, Chief Affairs of Restructuring and Credit Distribution, Chief Affairs of Finance Planning and Analyzing, and as Corporate Secretary at PT Bank Bukopin, Tbk.

Business DirectorHarry Harmono Busiri

Aged 59 years old, he was born in Malang (East Java) and graduated from Padjadjaran University in Bandung. He served as Business Director since March 2010. His career in PT Bank Bukopin, Tbk. started on 1991. He worked as Head of Sub Branch, Head Group of Credit and Marketing Affairs, Head of Agrobusiness Division.

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DireksiBoard of Directors


Direktur Operasi dan PelayananRuddy Susatyo

Berusia 58 tahun, lahir di Jakarta, dan alumnus Fakultas Ekonomi Universitas Indonesia. Menjabat sebagai Direktur Operasi dan Pelayanan sejak Maret 2010. Sebelumnya berkarier di PT Bank Bukopin, Tbk. pada 1987. Jabatan yang pernah diembannya antara lain Manajer Operasi, Kepala Kantor Pusat Operasi, Kepala Urusan Operasi, dan General Manager Teknologi Informasi.

Direktur Kepatuhan dan Manajemen RisikoEriandi

Berusia 51 tahun, kelahiran Air Molek (Riau), dan lulusan Institut Teknologi Bandung. Menjabat sebagai Direktur Kepatuhan dan manajemen risiko sejak Maret 2010. Sedangkan, jabatan Direktur Bisnis diembannya sejak Maret 2008. Pernah berkarier di PT Bank Bukopin, Tbk. pada 1991. Sejumlah posisi penting yang pernah didudukinya di PT Bank Bukopin, Tbk. adalah Manager Group Usaha Mikro, Manajer Bisnis UKM dan Mikro, serta Pemimpin Cabang Syariah.

Operation and Service DirectorRuddy Susatyo

Aged 58 years old, he was born in Jakarta, and an alumnus the Faculty of Economics of University of Indonesia. He served as Operation and Services Director since March 2010. Previously he worked at PT Bank Bukopin, Tbk on 1987. He served as Operational Manager, Chief of Head Office Operational, Head of Operational Affairs, and General Manager of Information Technology.

Compliance and Risk Management DirectorEriandi

Aged 51 years old, he was born in Air Molek (Riau), and graduated from Bandung Institute of Technology. He served as Compliance and Risk Management Director since March 2010, while he officiates as the Business Director since March 2008. Previously, he served at PT Bank Bukopin, Tbk. on 1991 as Group Manager of Micro Business, Business Manager of Micro, Small, and Medium Enterprises, and Head of Sharia Branches.


Ketua Dewan Pengawas SyariahProf. DR. H.M. Din Syamsudin, M.A.

Berusia 55 tahun, lahir di Sumbawa (Nusa Tenggara Barat), dan meraih gelar doktor dari University of California, Los Angeles, Amerika Serikat. Menjabat sebagai Ketua Dewan Pengawas Syariah sejak Maret 2008. Saat ini juga berprofesi sebagai dosen di beberapa lembaga perguruan tinggi. Selain itu, pernah menjadi anggota MPR RI, Dirjen Pembinaan Penempatan Tenaga Kerja Kementerian Tenaga Kerja dan Transmigrasi, serta Dewan Pakar Ikatan Cendekiawan Muslim Indonesia (ICMI). Hingga kini masih menjabat Indonesian Committee on Religion & Peace, Executive Council Asian Conference on Religion & Peace, Wakil Ketua Majelis Ulama Indonesia (MUI), dan Ketua Umum PP Muhammadiyah.

Anggota Dewan Pengawas SyariahH. Ikhwan Abidin Basri, M.A.

Berusia 48 tahun, lahir di Lamongan (Jawa Timur), dan meraih gelar master dari International Institute of Islamic Economics Islamabad, Pakistan. Menjabat sebagai anggota Dewan Pengawas Syariah sejak Maret 2008. Selain itu, menjadi pengajar dan konsultan di lembaga keuangan syariah. Hingga saat ini masih menjabat sebagai anggota kelompok kerja perbankan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI).

Sharia Supervisory Board ChairmanProf. DR. H.M. Din Syamsudin, M.A.

Aged 55 years old, he was born in Sumbawa (East Nusa Tenggara), and earns his doctorate from the University of California, Los Angeles, United States of America. He served as Sharia Supervisory Board Chairman since March 2008. Currently, he also teaches in several universities. Furthermore, previously he served as a member of Indonesian Peoples Consultative Assembly, Directorate General for Labor Placement and Development of the Ministry of Labor and Transmigration, and Expert Council of Indonesian Muslim Intellectuals Association. Up until now, he still served as Indonesian Committee on Religion and Peace, Executive Council of Asian Conference on Religion and Peace, Vice Chairman of the Indonesian Ulama Council (MUI), and General Chairman of the Central Executive (PP) of Muhammadiyah.

Member of Sharia Supervisory BoardH. Ikhwan Abidin Basri, M.A.

Aged 48 years old, he was born in Lamongan (East Java), and earns his master degree from the International Institute of Islamic Economics of Islamabad, Pakistan. He served as the member of Sharia Supervisory Board since March 2008. He is also a lecturer and a consultant in sharia financial institution. Currently he still officiates as a member of the banking working group of National Sharia Council of the Indonesian Ulama Council (DSN-MUI).

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Dewan Pengawas SyariahSharia Supervisory Board


message from the president commissionersambutan komisaris utama

Makin Berkualitas. Direksi dan karyawan Perseroan telah

mengimplementasikan tata kelola perusahaan dengan baik sesuai dengan etika bisnis dan prinsip syariah. Implementasi tata kelola perusahaan juga semakin berkualitas dengan dukungan sistem pengendalian

intern dan SKAI yang berjalan dengan baik, efektif, dan efisien.

More quality.Directors and employees of the Company have implemented good

corporate governance in accordance with Shariah principles and business ethics. Implementation of good corporate governance are

also more qualifi ed to support the internal control system and a well-functioning Internal Audit, eff ective, and effi cient


Assalamualaikum warahmatullahi wabarakatuhSalam sejahtera bagi kita semua

Puji dan syukur kami panjatkan kepada Allah SWT atas segala rahmat dan karunia-Nya yang tidak pernah berhenti dilimpahkan kepada kita semua. Kami juga memanjatkan puji syukur atas pencapaian kinerja Perseroan yang pada 2012 berhasil menunjukkan kinerja dan perkembangan yang semakin baik dibandingkan periode-periode sebelumnya.

Dinamika ekonomi global sepanjang 2012 diwarnai dengan proses pemulihan ekonomi Amerika Serikat (AS) dan Uni Eropa. Dalam situasi tersebut, ekonomi domestik justru seolah tidak mendapatkan tekanan yang dalam. Seiring dengan proses penguatan ekonomi domestik, daya tahan ekonomi nasional tetap baik. Hal ini ditandai dengan pertumbuhan ekonomi yang mencapai 6,3% pada 2012. Pertumbuhan tersebut menjadi salah satu yang tertinggi di dunia. Selain itu, laju inflasi sesuai dengan harapan seluruh pemangku kepentingan di sektor ekonomi, yakni terjaga pada level 4,3%.

Tinjauan Usaha 2012Meskipun sempat mengalami tekanan defisit neraca pembayaran pada semester I 2012, namun sejumlah pengakuan internasional terus mengalir secara positif terhadap kinerja ekonomi nasional. Pada 2012, kemampuan Indonesia mempertahankan kinerjanya selama beberapa tahun terakhir mengantarkannya masuk dalam jajaran negara investment grade. Selain itu, Indonesia menyandang gelar sebagai negara berpenghasilan ekonomi menengah.

Kinerja perekonomian nasional yang positif tersebut dalam dinamikanya kemudian menjadi stimulus yang baik bagi pertumbuhan kinerja industri perbankan syariah nasional. Pada 2012, volume usaha perbankan syariah di Tanah Air tumbuh 34,06% dari tahun sebelumnya.

Assalamualaikum warahmatullahi wabarakatuhBest wishes for all of us.

Praise and gratitude we pray toward Allah SWT, for all His blessings and grace that he overflows to all of us. We also prayed our gratitude for all the work achievement of the Company that successfully showed better performance and development in 2012, compared to previous periods.

Global economic dynamics throughout 2012 is highlighted with economic recovery process by the United States of America and the European Union. In that situation, domestic economy actually didnt get a significant pressure. Along with domestic economic strengthening process, the durability of national economic remains good. This is characterized with economic growth that reached 6.3% in 2012, and one of the highest growths in the world. Furthermore, inflation rate is also consistent with the expectation of the entire stakeholders in the economic sector, which is stable at the level of 4.3%.

2012 Business ReviewEven though national economic performance had a balance of payments deficit pressure in the first semester of 2012, but a number of international recognition keeps on pouring positively. In 2012, Indonesias ability to maintain its performance throughout the last few years drove it to the range of investment grade countries. Furthermore, Indonesia also holds the title of middle income countries.

The positive performance of the national economic later on developed into a good stimulus for the growth of the performance of national Islamic banking industry. In 2012, Islamic banking business volume in the nation had grown as much as 34.06% from the

BANK SYARIAH BUKOPIN ANNUAL REPORT 2012 28MESSAGE FROM THE PRESIDENT COMMISSIONERSambutan Komisaris Utama

Pertumbuhan yang terus membaik tersebut hakikatnya mencerminkan bahwasanya pelayanan perbankan syariah di negeri ini semakin berkualitas dan dapat diterima secara luas oleh masyarakat Indonesia.

Tinjauan Kinerja PerseroanDari sisi proses usaha yang dilakukan Perseroan sepanjang 2012, pencapaian kinerja yang berhasil dibukukan oleh Perseroan juga sejalan dengan tren yang terjadi pada industri perbankan syariah nasional. Sepanjang 4 (empat) tahun terakhir, pertumbuhan bisnis Perseroan mengindikasikan perbaikan kinerja secara positif. Pada 2012, Perseroan berhasil mencapai pertumbuhan aset total sebesar 32,46% dari Rp2,73 triliun pada 2011 menjadi Rp3,62 triliun. Demikian juga dengan pembiayaan dan DPK. Pada 2012, masing-masing tumbuh secara signifikan sebesar 37,23% dan 24,39% menjadi Rp2,63 triliun dan Rp2,85 triliun.

Dewan Komisaris juga memberikan apresiasi terhadap kinerja Perseroan dan manajemen Perseroan terhadap pencapaian kinerja sepanjang 2012. Salah satu yang terpenting yaitu pencapaian pertumbuhan laba secara signifikan. Pada 2012, Perseroan berhasil meningkatkan laba sebesar 41,68% atau naik menjadi Rp17,30 miliar dari tahun sebelumnya yang sebesar Rp12,21 miliar.

previous year. This improving growth essentially reflects that Islamic banking service in this country is getting even more qualified and more acceptable widely by the people of Indonesia.

The Companys Performance ReviewFrom the side of the business process that had been done by the Company throughout 2012, performance achievements that managed to be booked by the Company is also in line with national Islamic banking industry trend. Throughout the last 4 (four) years, the Companys business growth indicates a positive performance improvement. In 2012, the Company managed to reach total asset growth as much as 32.46% from Rp2.73 trillion in 2011 to Rp3.62 trillion. Financing and Third-Party Fund also grow significantly as much as 37.23% and 24.39% to Rp2.63 trillion and Rp2.85 trillion.

Board of Commissioners also appreciates the performance of the Company and the Companys management towards the performance achievements throughout 2012. One of the most important achievements is significant profit growth. In 2012, the Company successfully increase profit as much as 41.68% or rising to Rp17.30 billion from the previous year, which is as much as Rp12.21 billion.

Dari sisi profil risiko, Dewan Komisaris menilai bahwa pengelolaan risiko yang

dilakukan Perseroan pada 2012 juga semakin membaik.

From the risk profile side, the Board of Commissioners assesses that the risk

management that had been done by the Company in 2012 have also improved.


Dari sisi profil risiko, Dewan Komisaris menilai bahwa pengelolaan risiko yang dilakukan Perseroan pada 2012 juga semakin membaik. Selain tingkat rasio non performing financing (NPF) yang terjaga di bawah 5%, Perseroan juga berhasil meningkatkan sumber dana murah dengan peningkatan signifikan pada dana murah, yakni tabungan dan giro. Pada 2012, tabungan dan giro yang dihimpun Perseroan mengalami pertumbuhan masing-masing 27,20% dan 77,75%.

Laporan PertanggungjawabanDewan KomisarisDewan Komisaris menilai, Direksi Perseroan telah melaksanakan pengelolaan Perseroan secara baik dan sesuai dengan ketentuan dan aturan industri perbankan syariah, serta tidak melanggar ketentuan perundang-undangan yang berlaku.

Selain hal-hal tersebut di atas, sepanjang 2012, Direksi juga telah melakukan komunikasi dan koordinasi dengan Dewan Komisaris secara baik dan intensif. Pada 2012, Dewan Komisaris dan Direksi Perseroan telah melaksanakan rapat bersama dengan frekuensi rapat sebanyak 12 (dua belas) kali.

Dewan Komisaris juga melaporkan, pada 2012 telah terjadi perubahan komposisi Dewan Komisaris Perseroan. Berdasarkan hasil Rapat Umum Pemegang Saham (RUPS) Luar Biasa yang dilakukan Perseroan pada 11 Desember 2012, Komisaris Utama Perseroan mengalami pergantian, yakni dari sebelumnya yang dijabat oleh Saudara Sudarmin Sjamsoe digantikan oleh saya, Mulyana.

Saran dan RekomendasiWalaupun Dewan Komisaris menilai bahwa kinerja usaha Perseroan pada 2012 sudah semakin baik, namun dalam rangka mendukung pertumbuhan yang semakin berkualitas dan berkelanjutan, Dewan Komisaris menilai ada beberapa hal yang perlu mendapat perhatian segenap manajemen sebagai upaya perbaikan dan peningkatan kinerja Perseroan.

From the risk profile side, the Board of Commissioners assesses that the risk management that had been done by the Company in 2012 have also improved. Besides maintaining Non Performing Financing (NPF) ratio level below 5%, the Company also managed to increase the low cost of fund sources with significant increase in cheap fund, which are savings and current accounts. In 2012, the number of savings and current accounts collected by the Company each grew as much as 27.20% and 77.75%.

Accountability Reports of the Board of CommissionersThe Board Commissioners judges that the Companys Board of Directors have carry out the Companys management properly, in accordance with applied rules and regulation of Islamic banking industry, and without any violation towards applied legislation.

Other than those mentioned above, throughout 2012, the Board of Directors also did communication and coordination with the Board of Commissioners properly and intensively. In 2012, the Board of Commissioners and the Board of Directors have carry out joint meetings as much as 12 (twelve) times.

The Board of Commissioners also report that there have been a change in the composition of the Companys Board of Commissioners in 2012. Based on Extraordinary the General Meeting of Shareholders that the Company held in December 11th 2012, the position of the Companys President Commissioners have changed, previously served by Sudarmin Sjamsoe replaced by me, Mulyana.

Suggestion and RecommendationEven though the Board of Commissioners assesses that the Companys performance in 2012 has improve, but in order to support more qualified and sustainable growth, the Board of Commissioners assess that there are several things that still needs attention from the entire management as an effort to improve and increase the Companys performance.


Beberapa hal tersebut diantaranya mengenai permodalan Perseroan yang cukup guna mendukung ekspansi usaha dan pertumbuhan bisnis secara berkelanjutan. Meskipun permodalan Perseroan berada dalam kondisi aman, namun Perseroan harus tetap mengupayakan rencana penambahan modal.

Selanjutnya, guna meningkatkan pertumbuhan pembiayaan secara berkesinambungan dan perbaikan pada kualitas aktiva produktif, Perseroan harus melanjutkan langkah-langkah secara lebih konkret dan berkesinambungan. Diantaranya dengan; (1) meningkatkan ekspansi kepada nasabah pembiayaan yang memiliki track record usaha dan hubungan perusahaan yang baik; (2) monitoring dan deteksi dini terhadap nasabah pembiayaan lancar yang berpotensi mengalami penurunan kolektibilitas; serta (3) melakukan peningkatan kualitas SDI pembiayaan.

Dewan Komisaris juga menyarankan agar Perseroan meningkatkan rentabilitas, diantaranya melalui pembiayaan/piutang secara prudent dan mengendalikan overhead dengan menjaga disiplin anggaran dan efisiensi pada seluruh aktivitas tanpa mengurangi kualitas layanan dan kelancaran operasional Perseroan. Selain itu Perseroan juga harus fokus menyiapkan mitigasi atas seluruh risiko yang dapat timbul dari semua pelaku bisnis Perseroan.

Akhir kata, Dewan Komisaris mengucapkan terima kasih kepada manajemen Perseroan, pengurus dan pejabat eksekutif, seluruh jajaran dan karyawan atas dedikasi dan kerja samanya, sehingga kinerja Perseroan dapat tumbuh dengan baik. Pada kesempatan yang baik ini, Dewan Komisaris juga mengucapkan terima kasih dan apresiasi yang setinggi-tingginya kepada seluruh nasabah, pemegang saham, dan segenap stakeholders lainnya atas dukungan dan kepercayaan kepada Perseroan.

Dewan Komisaris mengharapkan, pada tahun-tahun mendatang, prestasi yang berhasil diraih pada 2012 dapat lebih ditingkatkan sesuai dengan target-target yang telah disepakati

MESSAGE FROM THE PRESIDENT COMMISSIONERSambutan Komisaris Utama

Some of them are about the Companys capital that is adequate to support sustainable business growth and expansion. Even though the Companys capital is in a safe condition, the Company must still pursue the plan for capital increase.

Furthermore, in order to increase sustainable financing growth and to improve to quality of productive asset, the Company must continue these steps more concretely and sustainably. Among others are by; (1) Carefully increase financing expansion to financing debtor who has a good business track record and company relationship; (2) monitor and detect current financing customer who has the potential to experience a decrease in collectability at an early stage; and (3) increase the quality of financing human resources.

The Board of Commissioners also suggest the Company to increase profitability, among others are through prudent financing/credit and overhead control by maintaining budget discipline and efficiency on every activity, without diminishing service quality and the Companys operational fluency. In addition the Company should also focus on preparing mitigation on the risks that can arise from all the business Company.

Finally, the Board of Commissioners thanks the Companys management, executive officers, and the entire employee for their dedication and cooperation, so that the Companys performance has grown well. In this wonderful occasion, the Board of Commissioners also thank and gives the highest appreciation to the entire customer, other shareholders, and stakeholders for their support and trust towards the Company.

The Board of Commissioners wishes that in the upcoming years the Company would increase the accomplishments achieved in 2012, consistent with the targets that have been


bersama. Semoga, apa yang kita kerjakan mendapatkan ridho dari Allah SWT dan membawa kebaikan bagi kita semua. Aamiin

Wa billahittaufiq wal hidayahWassalamu'alaikum warahmatullahi wabarakatuh

agreed mutually. Hopefully what we do get a blessing from Allah SWT and bring goodness to us all. Amin.

Wa billahittaufiq wal hidayahWassalamualaikum warahmatullahi wabarakatuh

Jakarta, 31 Desember 2012

Mulyana,Komisaris Utama

President Commissioner

Mulyana,


report from the president director laporan direktur utama

Momentum Pertumbuhan. Pada 2012, DPK dan pembiayaan Perseroan terus meningkat sesuai dengan target yang ditetapkan. DPK

Perseroan tumbuh 24,39% menjadi Rp2,85 triliun dari Rp2,29 triliun pada 2011. Pembiayaan tumbuh 37,23% menjadi Rp2,63 triliun dari Rp1,92 triliun pada 2011. Pencapaian tersebut membuktikan bahwa fungsi intermediasi

yang dijalankan Perseroan semakin menemukan momentumnya untuk mendukung pertumbuhan berkualitas pada

tahun-tahun mendatang.

Growth Momentum.In 2012, deposits and fi nancing of the Company continues to increase in

accordance with the targets set. Company deposits grew 24.39% to Rp2,85 trillion from Rp2,29 trillion in 2011. Financing grew 37.23% to Rp2,63 trillion

from Rp1, 92 trillion in 2011. The achievement was to prove that the Company carried intermediation is increasingly fi nding its momentum to support quality

growth in the coming years.


Assalamualaikum wa rahmatullahi wa barakatuh,Alhamdulillahirobbilalamin.

Puji syukur kami panjatkan kepada Allah SWT atas berlanjutnya pencapaian positif kinerja Perseroan sepanjang 2012. Di tengah belum pulihnya ekonomi Uni Eropa dan Amerika Serikat (AS) yang menghambat ekspor dan perdagangan Indonesia ke negara-negara tersebut, ekonomi Indonesia seolah tidak terpengaruh dan mampu melanjutkan kinerja positifnya.

Kinerja baik perekonomian nasional tersebut didukung upaya penguatan ekonomi dalam negeri melalui dukungan sejumlah pembangunan infrastruktur dan kebijakan yang mendukung pembangunan sektor riil dan keuangan. Dukungan kebijakan dan iklim bisnis dalam negeri yang kondusif tersebut pada akhirnya turut memberi dampak positif terhadap kinerja Perseroan sebagaimana harapan seluruh pemegang saham dan stakeholders.

Pencapaian kinerja positif Perseroan pada 2012 tentu mendukung upaya penguatan ekonomi domestik. Yang terpenting, pencapaian tersebut merupakan upaya dan kerja keras bersama seluruh jajaran karyawan dan pengurus Perseroan yang didukung oleh Dewan Komisaris dan Dewan Pengawas Syariah (DPS) di Perseroan, termasuk Komite-Komite yang ada, serta para pemegang saham Perseroan.

Kondisi Makro-EkonomiSepanjang 2012, dikotomi antara kondisi makro-ekonomi global dan nasional masih tetap berlanjut. Di satu sisi, kondisi ekonomi makro di negara-negara Uni Eropa dan AS mengalami turbulensi. Sementara, di sisi lain, ekonomi negara-negara emerging market, termasuk Indonesia, justru mampu mendorong pertumbuhan ekonominya secara positif.

Assalamualaikum wa rahmatullahi wa barakatuh,Alhamdulillahirobbilalamin.

Praise to Allah SWT the almighty for the continuity of positive performance achievement of the Company throughout 2012. In the midst of the recovery process of the United States of America and the European Union economy that obstruct Indonesias trading and export to those countries, Indonesias economy seem to be not affected and still able to continue its positive performance.

This great performance of national economy is supported by domestic economy strengthening effort through the support of several infra structure establishment and policies that support the establishment of real and financial sector. This support of domestic policies and business climate is conducive and eventually give positive impact towards the Companys performance, as expected by the entire shareholders and stakeholders.

The positive performance achieved by the Company in 2012 certainly support the domestic economy strengthening effort. Most importantly, that achievement is an effort and hardwork of the entire employee and management of the Company, supported by the Board of Commissioners and Sharia Supervisory Board of the Company, including existing commitees, and full support from the Companys shareholders.

Macro-Economy ConditionThroughout 2012, the dichotomy between global and national macro economy condition still continues. On one side, macro economy condition in the European Union countries and in the United States is in a turbulence. However, on the other side, the economy of emerging countries including Indonesia, is still able to encourage positive economy growth.


Salah satu tantangan besar sepanjang 2012 adalah hambatan ekspor ke negara Uni Eropa yang masih berjuang dengan pemulihan ekonominya. Demikian pula dengan kebijakan Fiscal Cliff AS yang dapat menghambat laju ekspor produk-produk Indonesia ke negara tersebut.

Di tengah tekanan ekonomi global tersebut, perekonomian Indonesia sepanjang 2012 tetap mengalami perkembangan yang baik, kendati sempat mengalami defisit pada neraca pembayaran Indonesia semester pertama 2012, tapi mulai membaik pada semester kedua. Indonesia juga telah masuk dalam kategori negara berpenghasilan ekonomi menengah.

Dengan pertumbuhan ekonomi 2012 sebesar 6,3%, Indonesia tercatat sebagai salah satu negara dengan pertumbuhan ekonomi tertinggi di dunia dan mampu mempertahankan pertumbuhan ekonomi yang stabil, rata-rata di kisaran 6%-6,1% selama 20 triwulan terakhir.

Selain pencapaian pertumbuhan tersebut, sejumlah indikator makro-ekonomi pada 2012 mengindikasikan pencapaian yang positif. Pada 2012 (Januari-Desember) Indonesia mampu menjaga laju inflasi nasional pada level rendah, yakni sebesar 4,30%. Demikian pula dengan nilai tukar rupiah yang pada akhir 2012 (28 Desember 2012) terjaga pada level Rp9.637 per US$1.

Perkembangan Industri Perbankan Syariah Catatan positif perekonomian Indonesia tersebut akhirnya berdampak positif pada industri perbankan syariah nasional. Hingga akhir 2012, pembiayaan dan penghimpunan Dana Pihak Ketiga (DPK) secara year on year (yoy) masing-masing tumbuh 43,69% dan 27,81% dibandingkan dengan periode yang sama 2011. Pada periode tersebut, perbankan syariah nasional juga berhasil membukukan laba bersih sebesar Rp2,47 triliun atau tumbuh 70,94% dari tahun sebelumnya.

Pertumbuhan pembiayaan dan DPK tersebut diikuti dengan perkembangan positif sejumlah

MESSAGE FROM THE PRESIDENT DIRECTOR Sambutan Direktur Utama

One of the major challenges that happened throughout 2012 is export obstacle in European Union countries that is still struggling with economy recovery. This is similar with the United States with its Fiscal Cliff policy that can obstruct export rate of Indonesian products to those countries.

Amidst these global economy pressure, Indonesias economy throughout 2012 still experience a good development, even after going through a deficit in the balance of payments through the first semester of 2012. But in the second semester, Indonesias balance of payments had started to recover. Indonesia also has been included in the category of middle income country.

With an economic growth as much as 6.3% in 2012, Indonesia is listed as one of the countries with the highest economic growth in the world, and succesfully maintain a stable economic growth in the average range of 6% - 6.1% in the last 20 quarter.

Aside from the growth achievements mentioned above, several macro economy indicator in 2012 also indicates positive achievements. Indonesia successfully maintain national inflation rate in 2012 (from January to December) in low level, which is 4.3%. Rupiah exchange rate is also stable at the level of Rp9.637 per US Dollar at the end of 2012 (28th of December 2012).

Development of Islamic Banking Industry This positive note in Indonesias economy eventually gives a positive impact towards national Islamic banking industry. Until the end of 2012, financing and third-party fund collecting by year on year each grow as much as 43.69% and 27.81% compared to the same period in 2011. In that period, national Islamic banking also successfully booked net profit as much as Rp2.47 trillion, or grew as much as 70.94% compare to the previous year.

The growth of financing and third-party fund also followed by positive development on


indikator kinerja perbankan syariah. Di antaranya, capital adequacy ratio (CAR) perbankan syariah yang mencapai 14,13%, rasio non performing financing (NPF) 2,22%, rasio biaya operasional terhadap pendapatan operasional (BO/PO) sebesar 74,75%, rasio return on asset (ROA) sebesar 2,14%, return on equity (ROE) sebesar 24,06%, dan financing to deposit ratio (FDR) sebesar 100,00%. Pada periode yang sama terjadi kenaikan aset perbankan syariah sebesar 34,06% menjadi Rp195,02 triliun pada 2012.

Secara keseluruhan, pada akhir 2012, jumlah bank umum syariah (BUS) mencapai 11 BUS. Sementara, jumlah unit usaha syariah (UUS) ada 24 UUS dan bank pembiayaan rakyat syariah (BPRS) ada 158 BPRS. Jumlah rekening di industri perbankan syariah pun meningkat menjadi 13.360.157 rekening dari 9.586.758 rekening pada tahun sebelumnya.

Pengelolaan risiko di industri perbankan syariah juga semakin membaik. Hal itu tercermin dari rasio pembiayaan bermasalah terhadap total pembiayaan atau non performing financing (NPF) industri perbankan syariah yang turun menjadi 2,22% dari 2,52% pada tahun sebelumnya.

Selain didorong perbaikan kualitas para pelaku industri perbankan syariah, kinerja industri perbankan syariah meningkat berkat peningkatan kepercayaan masyarakat terhadap sistem syariah. Selain itu, beberapa kebijakan industri perbankan konvensional, seperti aturan peningkatan uang muka kredit (loan to value) kredit kendaraan bermotor (KKB), kredit pemilikan rumah (KPR), dan apartemen, berimbas positif pada industri perbankan syariah.

Peningkatan Kinerja dan LayananSejalan dengan catatan positif industri perbankan syariah, kinerja positif juga berhasil dicapai Perseroan pada 2012. Walaupun keberadaan Perseroan di kancah industri perbankan syariah nasional terhitung relatif muda, hal itu tidak menghambat Perseroan

several Islamic banking performance indicator. Among others are Capital Adequacy Ratio (CAR) of Islamic banking that reaches 14.13%; non performing financing (NPF) that reaches 2.22%; ratio of operational cost to operational revenue as much as 74.75%; return on asset (ROA) ratio as much as 2.14%; return on equity (ROE) as much as 24.06%; and financing to deposit ratio (FDR) as much as 100.00%. In the same periode, sharia banking asset have increased as much as 34.06% to Rp195.02 trillion in 2012.

In general, at the end of 2012, there are 11 Islamic Commercial Banks and 24 Islamic Business Unit of Conventional Bank. The same thing happened with Islamic rural banks which number has reach 158. The account number of Islamic banking industry has also increased to 13,360,157 account from as much as 9,586,758 account units on the previous year.

Furthermore, risk management of Islamic banking industry also improves. This is reflected in the ratio of problematic financing towards the total financing or the non performing financing (NPF) in the Islamic banking industry that decreased to 2.22% from 2.52% in the previous year.

Besides the encouragement from the quality improvement of Islamic banking industry players, the increase of Islamic banking industry performance also caused by the increase of the communitys trust in sharia system that is considered to be improving. Furthermore, several policies in the conventional banking industry, such as the policy that increases of requirement down payment (loan to value) of vehicle loan and housing and apartment credit (mortgage), affected islamic banking industry positively.

Performance and Service ImprovementAlong with the positive note on Islamic banking industry, the Company also managed to achieve a positive performance in 2012. Even though the Companys existence in the national Islamic banking industry scene is relatively young, but it hasnt been an obstacle for the Company to


Sepanjang 2012, Perseroan terus berupaya menjalankan fungsi

intermediasi perbankan berdasarkan Prinsip Syariah, baik melalui

penghimpunan dana maupun pembiayaan.

Throughout 2012, the Company keeps struggling to run banking intermediation

function based on Sharia Principles, both through fund collecting and financing

untuk memberikan kinerja dan layanan terbaik dalam rangka mendukung perekonomian nasional.

Sepanjang 2012, Perseroan terus berupaya menjalankan fungsi intermediasi perbankan berdasarkan Prinsip Syariah, baik melalui penghimpunan dana maupun financing. Dalam rangka memperluas pasar dan memperkenalkan Perseroan secara lebih luas kepada masyarakat, Perseroan juga bersinergi dengan media massa dan melakukan sejumlah aktivitas promosi secara intens.

Upaya penguatan fungsi intermediasi tersebut dilakukan secara simultan dengan meningkatkan kualitas layanan kepada nasabah melalui peningkatan fitur pelayanan, di antaranya melalui pemanfaatan automatic teller machine (ATM). Kini, seluruh jaringan ATM PT Bank Bukopin, Tbk. dan ATM Bersama sudah dapat dipergunakan oleh nasabah Perseroan. Pengembangan produk dan layanan lain pun terus dilakukan, seperti jasa pembayaran dan pemanfaatan semua fitur layanan yang ada di PT Bank Bukopin, Tbk untuk dapat dinikmati nasabah Perseroan. Termasuk, upaya penyediaan jasa-jasa fee based dan perluasan jaringan outlet.

MESSAGE FROM THE PRESIDENT DIRECTOR Sambutan Direktur Utama

give the best performance and service in order to support the national economy.

Throughout 2012, the Company keeps struggling to run banking intermediation function based on sharia principles, both through fund collecting and financing. In order to broaden market and to introduce the Company to a wider community, the Company also synergize with the media and done some promotion activities intensely.

The strengthening effort of that intermediation function is done simultaneously with the improvement of service quality towards the company through service feature improvement, among others are through the use of automatic teller machine (ATM). Now, the entire network of PT Bank Bukopins, Tbk. ATM and ATM Bersama can be used by the Companys customer. Other product and service developments also remain to be done, such as payment service and the utilization of all service feature existing in PT Bank Bukopin, Tbk. to be enjoyed by the Companys customer. This includes the effort to provide fee based services and to broaden outlet network.


Melalui pengembangan budaya layanan yang "CEPAT, MUDAH, AMAN dan NYAMAN", Perseroan berupaya menciptakan dimensi credibility (kepastian nasabah mendapatkan layanan yang baik), dependability (memberikan solusi dan tidak hanya mengacu pada prosedur operasional standar), courtesy (jujur dan empati, tidak hanya ramah dan hangat), comfortability (kenyamanan), dan connectivity (aksesibilitas), sehingga tercipta layanan prima kepada nasabah.

Sejalan dengan upaya-upaya tersebut, kami selaku manajemen merasa bahwa pasca-spin off, positioning Perseroan di pasar semakin kuat. Posisi service level agreement (SLA) dewasa ini sudah sama dengan PT Bank Bukopin, Tbk. Selain perluasan produk dan layanan, Perseroan berupaya memperkuat bidang Teknologi Informasi (TI), SDI, dan infrastruktur untuk menghasilkan pertumbuhan dan kinerja terbaik pada 2012.

Peningkatan kinerja dan layanan yang dilakukan Perseroan pada akhirnya mendapat pengakuan dari pihak lain di luar Perseroan. Di antaranya, melalui penghargaan yang diraih Perseroan dalam Indonesia Service to Care Champions 2012 dari Marketeers pada 25 Januari 2012. Perseroan juga mendapat penghargaan dari Majalah Infobank dalam Banking Service Excellence Award 2012.

Pencapaian Bisnis Seperti telah disampaikan di atas, kami selaku manajemen merasa bersyukur atas pencapaian kinerja Perseroan pada 2012. Pencapaian positif pada volume usaha, DPK, pembiayaan, dan sejumlah indikator usaha lainnya kami sampaikan sebagai berikut:

Volume UsahaVolume usaha (aset) Perseroan sampai dengan akhir 2012 secara tahunan tumbuh 32,46% dibandingkan dengan akhir 2011, dari Rp2,73 triliun menjadi Rp3,62 triliun. Pertumbuhan volume usaha tersebut lebih baik dibandingkan dengan pertumbuhan aset Perseroan pada 2011 yang sebesar 24,43%.

Through developing fast, easy, safe and comfort service culture, the Company tries to create a dimension of credibility (ensuring the customer to get a good service), dependability (giving solution that doesnt only refer to standard operation procedure), courtesy (honesty and empathy thats not only warm and friendly), comfortability and connectivity (accesability), in order to create a premium service for the customer.

In line with those efforts, we as the management of the Company feels that the Companys positioning is getting stronger after the spin off. The Service Level Agreement (SLA) position nowadays is the same with PT Bank Bukopin, Tbk. Other then product and service expansion, the Company also attempted to strengthen the area of information technology, human resources, and infrastructure to get the best performance and growth in 2012.

Service and performance improvement that was done by the Company eventually got a recognition from another party outside the Company. Among others are by an award that was achieved by the Company in Indonesia Service to Care Champions 2012 from Marketeers in January 25th, 2012. The Company also got an award from Infobank Magazine in Banking Service Excellence Award 2012.

Business Achievements As mentioned above, we as the management of the Company are grateful for the Companys performance in 2012. We report some of the positive accomplishments in business volume, third party funds, financing, and several other business indicator as follows:

Business VolumeCompared to the end of 2011, the Companys annual business volume (asset) until the

Documents

Annual Report 2012 Bank Bukopin Syariah