Ar 2011

Bank Syariah Bukopin Annual Report 2011 1
contents
daftar isi
Visi, Misi, dan Nilai-Nilai Perusahaan

Vision, Mission, and Corporate Values 2
Strategi Korporasi
Corporate Strategy 2
Ikhtisar Keuangan
Financial Highlights 3
Pemegang Saham Bank Syariah Bukopin
The Shareholders of Bank Syariah Bukopin 4
Struktur Organisasi
Organization Structure 5
Profil Bank Syariah Bukopin
Bank Syariah Bukopin Profile 6
Peristiwa Penting 2011
Significant Event 2011 10
Prestasi Bank Syariah Bukopin
Bank Syariah Bukopin Achievements 14
Pengurus Bank Syariah Bukopin
The Management of Bank Syariah Bukopin 18
Sambutan Komisaris Utama
Message from The President Commissioner 24
Sambutan Direktur Utama
Message from The President Director 28
Sambutan Ketua Dewan Pengawas Syariah
Message from The Chairman of Sharia Supervisory Board 34
Tinjauan Makro Ekonomi dan Keuangan
Macro Economic & Financial Highlight 38
Tinjauan Bisnis
Business Highlight 48
Tata Kelola Perusahaan
Good Corporate Governance 56
Manajemen Risiko dan Kepatuhan
Compliance & Risk Management 74
Sumber Daya Insani
Human Resources 80
Teknologi dan Informasi
Information & Technology 88
Dukungan Divisi
Divisions Supporting 94
Tanggung Jawab Sosial Perusahaan
Corporate Social Responsibility 100
Pejabat Eksekutif
Executive Functionary 104
Kantor dan Delivery Channel
Delivery Channel & Office 105
Produk & Layanan
Product & Services 108
Laporan Keuangan
Financial Report 111
2 Bank Syariah Bukopin Annual Report 2011
vision, mission, and corporate values

visi, misi, dan nilai-nilai perusahaan
n Visi n Vision
Menjadi Bank Syariah Pilihan dengan Pelayanan Become the Preferenced Islamic Bank
Terbaik with the Best Services
n Misi n Mission
• Memberikan Pelayanan Terbaik Pada Nasabah • Deliver the Best Service To The Customer
• Membentuk Sumber Daya Insani (SDI) yang • Formalized Trustworthy & Professional Human
Profesional dan Amanah Resource
• Memfokuskan Pengembangan Usaha Pada • Focus On Developing Micro, Small, Medium,
Sektor Usaha Mikro, Kecil, dan Menengah Enterprises (MSMEs)
(UMKM)
• Develop Value Added to the Stakeholder
• Meningkatkan nilai tambah kepada stakeholder
n Nilai-Nilai Perusahaan Corporate Values

n
• Amanah • Trustworthy
• Integritas • Integrity
• Peduli • Concern
• Kerjasama • Cooperativeness
• Kualitas • Quality
corporate strategy
strategi korporasi
Untuk mencapai visi dan misi sesuai dengan arah kebijakan, To achieve vision and mission in accordance to policy direction,
PT Bank Syariah Bukopin menetapkan langkah-langkah strategis PT Bank Syariah Bukopin has determine some strategic steps as
sebagai berikut: follows:
1. Pengembangan Usaha dengan Fokus Pada Sektor UMKM 1. Business development with focus in MSMEs Sector
2. Mengembangkan Usaha Komersial 2. Develop Commercial Business
3. Mengembangkan Usaha Konsumer 3. Develop Consumer Business
4. Penyediaan Jasa-Jasa Fee-Based Kepada Nasabah 4. Provide Fee Based Services to Customer
5. Memperkuat Teknologi dan Jaringan Pelayanan (outlet) 5. Strengthen Technology and Services Network (Outlet)
6. Memperkuat SDI 6. Strengthen Human Resources
7. Peningkatan Kualitas Pengelolaan Risiko dan Kepatuhan 7. Improvement in Risk Management and Compliance Quality
financial highlight 2011

ikhtisar keuangan 2011
Dalam Rupiah / in Rupiah

KETERANGAN 2011 2010 Pertumbuhan ITEMS
(Audited) (Audited) Growth (%)
NERACA FINANCIAL STATEMENT

Aset Total 2.730.026.909.823 2.193.952.328.077 24,43 Total Assets
Pembiayaan 1.917.219.649.518 1.611.773.371.819 18,95 Financing
Dana Pihak Ketiga 2.291.737.724.902 1.621.913.387.702 41,30 Third Party Funds
Jumlah Ekuitas 255.774.212.271 143.565.377.065 78,16 Total Equity

LAPORAN LABA (RUGI) STATEMENT OF INCOME (LOSSES)
Jumlah Pendapatan 245.305.959.145 223.155.327.611 9,93 Total Income
Jumlah Beban Operasional 230.238.800.687 208.801.611.519 10,27 Total Operating Expenses
Laba (Rugi) Bersih 12.208.835.206 10.234.143.192 19,30 Net Income (Losses)
RASIO KEUANGAN (%) FINANCE RATIO (%)

Rasio Kecukupan Modal 15,29 11,51 Capital Adequacy Ratio (CAR)
Laba Bersih terhadap 0,52 0,74 Return on Assets (ROA)
Aktiva Rata-rata
Laba Bersih terhadap 6,19 9,65 Return on Equity (ROE)
Modal Rata-rata
Total Pembiayaan 83,66 99,37 Financing to Deposit Ratio (FDR)
terhadap Dana Pihak Ketiga
Pembiayaan Bermasalah 1,74 3,80 Non Performing Financing (NPF)
terhadap Total Pembiayaan
Beban Operasional 93,86 93,57 Operating Expenses to
terhadap Pendapatan Operasional Operating Income
1.917.219.649.518
1.611.773.371.819
5
9,6 9
6,1
2.730.026.909.823
Laba Bersih terhadap

2010 2011 Modal Rata-rata (ROE)
Pembiayaan
12.208.835.206
2010 2011 dalam % / in %

10.234.143.192
2.193.952.328.077
Financing
Laba (Rugi) Bersih

2010 2011
2.291.737.724.902
Net Income (Losses)

1.621.913.387.702
,29
Aset Total
2010 2011 Total Assets 15
,51
11
Rasio Kecukupan
2010 2011 Modal (CAR)
Dana Pihak Ketiga dalam % / in %
2010 2011 Third Party Funds
the shareholders of
bank syariah bukopin
pemegang saham
bank syariah bukopin
Para pemegang saham PT Bank Syariah PT Bank Syariah Bukopin's (the Company)
Bukopin (Perseroan) merupakan dari shareholders were part of national companies
perusahaan-perusahaan nasional dan para and figures from Muhammadiyah namely an
tokoh-tokoh dari kalangan unsur Muhammadiyah Islamic organization in Indonesia with the
yaitu sebuah organisasi kemasyarakatan Islam di biggest member.
Indonesia yang memiliki anggota sangat besar.
Modal Dasar Perseroan seluruhnya adalah The Company's capital based were
Rp1.000.000.000.000,- (satu triliun Rupiah), saat Rp1.000.000.000.000,- (one trillion rupiah), up
ini total modal Perseroan yang telah disetor para until now total capital that has been paid up by
pemegang saham sebesar Rp450.370.000.000,- the shareholders were Rp450,370,000,000,-
masing-masing rinciannya adalah: with details as follows:
Setelah Setoran Modal Rp100 Miliar/After Capital Deposit 100 Billion

Pemegang Saham Seri A Seri B Seri C Rp %
Shareholders 10,000 (Lbr/sheets) 100 (Lbr/sheets) 50 (Lbr/sheets)

DR. Hajriyanto Y. Thohari, M.A. 3.667.000 - - 36.670.000.000 0,064%

Emil Abeng 1.015.000 50.000.000 - 15.150.000.000 0,895%
Prof. DR. A.Munir Mulkhan 990.000 - - 9.900.000.000 0,017%
Prof. DR. Ir. M. Amin Aziz 710.000 - - 7.100.000.000 0,012%
Firman Noor, S.H. 490.000 - - 4.900.000.000 0,009%
Tee Suprapto 425.000 - - 4.250.000.000 0,007%
Prof. DR. Dawam Rahardjo 350.000 - - 3.500.000.000 0,006%
Ir. M. Dasron Hamid, M.Sc. 290.000 - - 2.900.000.000 0,005%
Drs. H. Sugeng 200.000 - - 2.000.000.000 0,004%
Prof. DR. Bambang Setiaji, M.Si. - 90.000.000 - 9.000.000.000 1,579%
PT Bank Bukopin, Tbk - 420.000.000 4.000.000.000 242.000.000.000 77,569%
PT Bakrie Capital Indonesia - 350.000.000 - 35.000.000.000 6,142%
PT Mega Capital Indonesia - 350.000.000 - 35.000.000.000 6,142%
PT Jamsostek (Persero) - 350.000.000 - 35.000.000.000 6,142%
PT Mitra Usaha Sarana - 80.000.000 - 8.000.000.000 1,404%
TOTAL 8.137.000 1.690.000.000 4.000.000.000 450.370.000.000 100,000%
organization structure
struktur organisasi
RUPS
AGMS*
Dewan Pengawas
Syariah Dewan Komisaris
SHARIA SUPERVISORY BOARD BOARD OF COMMISSIONERS
Komite Remunerasi
& Nominasi
NOMINATION &
REMUNERATION
COMMITTEE
Direktorat Utama
PRIME DIRECTORATE Komite Audit
AUDIT COMMITTEE
Komite
Pemantau Risiko
Direktorat Operasi Direktorat Kepatuhan RISK MONITORING
Direktorat Bisnis & Pelayanan COMMITTEE
& manajemen Risiko
BUSINESS DIRECTORATE Operation & SERVICE COMPLIANCE & RISK
DIRECTORATE MANAGEMENT DIRECTORATE
Divisi Operasi & Divisi Sumber

Divisi bisnis area Divisi Kepatuhan Daya Insani
area business Analisa Keuangan COMPLIANCE DIVISION
FINANCIal Analisys & HUMAN RESOURCES
DIVISION DIVISION
operation DIVISION
Divisi manajemen Satuan Kerja

Divisi institusi/ Risiko Audit Intern
Komersial Divisi Pelayanan RISK MANAGEMENT INTERNAl auDIT
commercial/institution service DIVISION DIVISION task force
divison
Divisi Restrukturisasi Sekretaris

Divisi Supervisi Divisi Support & PenyElesaian Perusahaan
bisnis & fee based Pembiayaan Pembiayaan CORPORATE SECRETARY
Fee Based & business FINANCING SUPPORT financing RESTRUCTURING
supervision DIVISION DIVISION & SETTLEMENT DIVISION
Bagian Treasury
Divisi pengembangan Divisi Teknologi TREASURY
produk Informasi
product developtment Information &
DIVISION Technology DIVISION
Cabang
Branch
*) Annual General Meeting of Shareholders

bank syariah bukopin profile

profil bank syariah bukopin
Wide. “The Company's continues to expand its business

and network services. The opening of Makassar and Solo
branch office has become a marker of development being
done. Hopefully, outreach services were able to facilitate
customers to acces banking services and open up new
business for the Company's”.
Perjalanan Perseroan bermula dari The journey of the Company started from a
sebuah bank umum, yakni PT Bank Persyari commercial bank namely PT Bank Persyarikatan
katan Indonesia yang diakuisisi oleh PT Bank Indonesia, which was acquired by PT Bank
Bukopin, Tbk, yang selanjutnya dikembangkan Bukopin, Tbk, which subsequently developed
dan dikonversikan menjadi bank syariah. PT and converted into Islamic banks. PT Bank
Bank Persyarikatan Indonesia didirikan berdasar Persyarikatan Indonesia was established by
kan Akta Nomor 102 Tanggal 29 Juli 1990 di Deed Number 102 On July 29, 1990 in front of
hadapan notaris Dr. Widjojo Wilami, S.H., di notary, Dr. Widjojo Wilami, S.H., in Samarinda,
Samarinda, Kalimantan Timur, dengan nama PT East Kalimantan, with the name PT Bank
Bank Swansarindo Internasional. Swansarindo Internasional.
Setelah memperoleh izin operasi syariah dari After acquiring the sharia operational permit
Bank Indonesia (BI) pada 27 Oktober 2008, pada from Central Bank of Indonesia on October 27,
9 Desember 2008 Perseroan resmi menjalankan 2008, on December 9, 2008, the Company
kegiatan operasional perbankan berdasarkan officially ran the operational banking activity
prinsip syariah. Selanjutnya, pada 11 Desember based on sharia principles. Furthermore, on
2008 Perseroan diresmikan oleh M. Jusuf Kalla, December 11, 2008, the Company is
Wakil Presiden Republik Indonesia periode 2004- inaugurated by M. Jusuf Kalla, Indonesia’s Vice
2009. President for the period of 2004-2009.
Selaku pemegang saham mayoritas, PT Bank As the majority shareholders, PT Bank Bukopin,
Bukopin, Tbk, senantiasa menunjukkan komit Tbk, always shows strong commitment, both in
men kuat, baik melalui penambahan modal capital increase and in other efforts. One of the
maupun upaya-upaya lain. Salah satunya melalui efforts was through the diversion of sharia
pengalihan hak dan kewajiban unit usaha syariah business unit of PT Bank Bukopin, Tbk’s rights
(UUS) PT Bank Bukopin, Tbk, ke dalam badan and obligations into the Company’s business
usaha Perseroan pada 10 Juli 2009. entities on July 10, 2009.
Untuk fokus bisnis di industri perbankan syariah, For business focus in the Islamic banking
Perseroan mengambil posisi pada sektor UMKM. industry, the Company took position in the
Sementara, bidang usaha yang menjadi micro, small, and medium enterprises (MSMEs).
segmentasi adalah bidang pendidikan, Meanwhile, the segmentation of the business
kesehatan, minyak dan gas (migas), field is education, health, oil and gas,
telekomunikasi, transportasi, pariwisata, telecommunication, transportation, tourism,
konstruksi, dan perdagangan umum. Mengingat construction, and general trading. Considering
fungsi intermediasi perbankan tidak hanya banking’s intermediating function was not just to
pembiayaan, Perseroan juga memperkuat sisi finance, the Company also strengthen its
pendanaan melalui penghimpunan dana dari funding side via fund accumulation from the
masyarakat, baik perorangan maupun community, both from individuals and
perusahaan-perusahaan yang ada di Tanah Air. companies in this country.
Terkait dengan perkembangan industri perbank In relation with the development of banking
an di Indonesia, Perseroan terus mengembang industry in Indonesia, the Company keep
kan bisnis dan memperluas jangkauan layanan. expand its business and broaden its service
Pada 2011 Perseroan menambah 2 (dua) kantor reach. In 2011, the Company added 2 (two) new
8 bank syariah bukopin profile
Profil Bank Syariah Bukopin Bank Syariah Bukopin Annual Report 2011
cabang baru, yakni Kantor Cabang Makassar dan branch offices, which are Makassar Branch
Solo, serta Cabang Pembantu Surabaya. Melalui Office and Solo Branch Office, and Surabaya
penambahan kantor cabang itu, Perseroan Sub-Branch Offices. With the addition of these
berharap bisa memberikan kemudahan bagi para new branch offices, hopefully the Company can
nasabah serta membuka bisnis baru bagi bring more convenience for the customers and
Perseroan. uncover new business for the Company.
Seiring dengan pengembangan itu, Perseroan Along with this expansion, the Company also
juga mengupayakan peningkatan kualitas SDI seek to improve the quality of human resources
yang notabene menjadi salah satu unsur which is one of the most important component
terpenting dalam peningkatan kualitas layanan in the improvement of service quality and
dan pengembangan bisnis. Perseroan meyakini, business development. The Company believes
SDI memegang peranan penting dalam that human resources hold an important role in
menghadapi persaingan bisnis yang makin ketat. facing a tougher business competition.
Terkait dengan hal itu, sepanjang 2011, Persero- So throughout 2011, the Company has held
an telah banyak menggelar training, workshop, trainings, workshops, and seminars. Some of
dan seminar. Training tersebut ada yang bersifat the training is mandatory because of jobs
mandatory, yakni karena tuntutan jabatan atau demand, such as risk management certification,
tugas seperti sertifikasi manajemen risiko, ada and some them was a special program with a
pula yang bersifat program khusus dengan jang- relatively longer period, such as basic training of
ka waktu relatif lebih lama, seperti training dasar- financing, operational basics, or Officer
dasar pembiayaan, dasar-dasar operasional, atau Development Program (ODP) training. Some of
training Officer Development Program (ODP). Ada the training are regular training, such as
juga yang bersifat reguler, seperti training teknis operational technical training and support
operasional dan training untuk support. training.
Untuk bidang teknologi informasi (TI), Perseroan For the information technology (IT) field, the
terus-menerus melakukan pengembangan guna Company develops continuously to give
memberikan kemudahan transaksi bagi para na- consumers easier transaction. The IT
sabah. Pengembangan TI tentu saja diselaraskan development was of course harmonized with
dengan pengembangan produk-produk e-banking e-banking and payment gateway product
dan payment gateway sesuai dengan prinsip sya- developments in accordance with sharia
riah. principles.
Walau usianya masih muda, Perseroan telah me- Though it's relatively young, the Company
miliki eksistensi yang cukup bagus di industri already has a pretty good existence in the
perbankan syariah Indonesia. Terbukti, selain pe- Islamic banking industry in Indonesia. Besides
ningkatan bisnis, Perseroan telah mendapatkan business improvement, this also been proved by
pengakuan berupa penghargaan dari lembaga acknowledgements in the form of awards from
lain, seperti penghargaan peringkat kedua untuk other institution, such as the second rank award
kategori Digital Islamic Bank Brand dalam “Digital for The Digital Islamic Bank Brand category in
Brand of The Year 2011” yang diselenggarakan “Digital Brand of The Year 2011” which is held
Majalah Infobank dan Twinkle Spin Indonesia by Infobank Magazine and Twinkle Spin
serta penghargaan “Indonesia Service to Care Indonesia, and also “Indonesian Service to Care
Award” dari Marketeers yang bekerja sama Award” from Marketeers in cooperation with
dengan MarkPlus Insight. MarkPlus Insight.
Hingga saat ini, Perseroan telah memiliki kantor Up until now, the Company has a head office
pusat yang beralamat di Jalan Salemba Raya located in Jl. Salemba Raya Number 55, Central
Nomor 55, Jakarta Pusat; 9 kantor cabang; 5 Jakarta; 9 branch offices, 5 sub-branch offices;
kantor cabang pembantu; 2 kantor kas; dan 29 2 cash offices; and 29 delivery channels, which
kantor layanan syariah, yang tersebar di seluruh are located all around Indonesia. With the
Indonesia. Dengan dukungan infrastruktur, yakni support of infrastructures such as IT,
TI dan jaringan yang memadai, serta SDI yang appropriate networking, and also professional
profesional dan dapat diandalkan, Perseroan and reliable human resources, the Company was
senantiasa optimistis mampu memberikan optimist that it will be able to give a prime
pelayanan prima dan memuaskan nasabah. service that satisfies customers, and also
Juga, mampu menjawab kebutuhan masyarakat answers the community’s needs that are closely
yang erat kaitannya dengan jasa dan layanan related with sharia based financial and banking
perbankan serta keuangan yang berdasarkan services.
prinsip syariah.
significant event 2011

peristiwa penting 2011
Januari
17 Januari 2011. Perseroan
menyelenggarakan kerjasama dengan PT Maret
Bank Bukopin, Tbk dan Koperasi 15 Maret 2011. Perseroan mengadakan
Swamitra Syariah mengenai Pengeloaan Investor Gathering di Hotel Bidakara,
kegiatan Simpan Pinjam Swamitra Jakarta Selatan.
Syariah di Gedung Bank Syariah 31 Januari 2011. Perseroan meraih
Bukopin, Jalan Salemba Raya Nomor 55, penghargaan “The Best of Indonesia March
Jakarta Pusat. Service to Care Award 2011” untuk March 15, 2011. The Company held an
kategori bank syariah yang Investor Gathering at Hotel Bidakara,
January diselenggarakan oleh MarkPlus Insight South Jakarta.
January 17, 2011. The Company held a bekerjasama Marketeers dengan pada 27
cooperation with PT Bank Bukopin, Tbk Februari 2011 di Hotel Four Season,
and Sharia Swamitra Cooperative for Jakarta Selatan.
Savings and Loan management activities
of Sharia Swamitra at Bank Syariah January 31, 2011. The Company was
Bukopin Head Office, Jalan Salemba awarded as “The Best of Indonesia
Raya Number 55, Central Jakarta. Service to Care Award 2011” for the
category of Islamic banks held by the
MarkPlus Insight in collaboration with
Marketeers on February 27, 2011 at the
Four Season Hotel, South Jakarta.
18 Maret 2011. Perseroan meraih
predikat “The Best Banking and Service
Award 2011” dalam acara ASEAN
Business Award 2011 yang
diselenggarakan di Hotel Le Meridien,
Jakarta Selatan.
26 Januari 2011. Perseroan March 18, 2011. The Company won the
menyelenggarakan Workshop title of “The Best Banking and Service
Operasional dalam rangka meningkatkan Award 2011” in the ASEAN Business
kualitas layanan dan efisiensi Perseroan. Award 2011 ceremony held at Hotel Le
Acara ini diselenggarakan pada 26-28 Februari Meridien, South Jakarta.
Januari 2011 di Hotel Banana Inn, 7 Februari 2011. Perseroan
Bandung. melaksanakan kegiatan Training of 24 Maret 2011. Perseroan
Trainers Perbankan Syariah bertempat di menyelenggarakan Rapat Umum
January 26, 2011. The Company held Lobby Kampus Universitas Az-Zahra, Pemegang Saham Tahunan dan Rapat
Operations Workshop in order to improve Jakarta. Umum Pemegang Saham Luar Biasa
service quality and efficiency of the yang diselenggarakan di Hotel Harris,
Company. The event was held on January February Tebet, Jakarta Selatan.
26 to 28, 2011 at Banana Inn Hotel, February 7, 2011. The Company
Bandung. conducts Training for Trainers for Islamic March 24, 2011. The Company held the
Banking held at Campus Lobby of Az- annual general meeting shareholders
31 Januari 2011. Perseroan Zahra University, Jakarta. (AGMS) and the extraordinary general
menandatangani kerjasama dengan PT meeting shareholders (EGMS) at the
Andalan Artha Advisindo Sekuritas (AAA Hotel Harris, Tebet, South Jakarta.
Securities) mengenai penunjukkan 23 Februari 2011. Perseroan
Perseroan sebagai Sub-Agen Penjual berpartisipasi dalam acara Try Out
Sukuk Negara Ritel SR-003 Tahun 2011 UASBN 2011, lomba mewarnai, dan
di Gedung Bank Syariah Bukopin Pusat, bazaar kuliner yang dilaksanakan pada
Jalan Salemba Raya Nomor 55 Jakarta 23-26 Februari 2011, di SDIT Az-Zahra,
Pusat. Citeureup, Bogor.
January 31, 2011. The Company signed February 23, 2011. The Company
an agreement with PT Andalan Artha participated in the Try Out UASBN 2011,
Advisindo Securities (Securities AAA) coloring contest, and culinary bazaar that
regarding the appointment of the was held on February 23 to 26 2011, at
Company as a Sub-Sales Agent of Retail SDIT Az-Zahra, Citeureup, Bogor.
State Sukuk SR-003 in 2011 at the Bank
Syariah Bukopin Head Office, Jalan
Salemba Raya Number 55, Central
Jakarta.
April 14 - 16 Mei 2011. Perseroan

5 April 2011. Perseroan melakukan berpartisipasi dalam Rapat Kerja
kegiatan Media Visit ke Kantor Redaksi Nasional (Rakernas) I Majelis Ekonomi
Harian Padang Ekpress di Padang, dan Kewirausahaan PP Muhammadiyah
Sumatera Barat. yang diselenggarakan di Universitas
Muhammadiyah Surakarta pada 14-16
April Mei 2011. Dalam kesempatan tersebut,
Mei Perseroan telah menandatangani
April 5, 2011. The Company conduct 2 Mei 2011. Perseroan diberi
Media Visit activity to the Editorial Office perjanjian kerjasama dengan Induk
kepercayaan sebagai nara sumber dalam
of Padang Ekpress Daily in Padang, West Koperasi Jasa Keuangan Syariah (Induk
Seminar yang diadakan oleh Dewan
Sumatera. KJKS) Baitul Tamwil Muhammadiyah
Koperasi Indonesia di Gedung SMESCo,
(BTM) untuk pemanfaatan jasa layanan
Jakarta.
syariah.
6 April 2011. Perseroan meresmikan
relokasi Kantor Cabang Pembantu May May 14 – 16, 2011. The Company
(Capem) Payakumbuh yang semula May 2, 2011 The Company gained the
participated in the National Work Meeting
berada di Jalan Jenderal Sudirman No. trust to be a guest speaker in a seminar
I Muhammadiyah Chamber of Economic
14A Payakumbuh, kini pindah lokasi ke held by Indonesia Cooperative Council in
and Entrepreneurship Center Leadership
Jalan Soekarno Hatta No. 136 SMESCo Building, Jakarta.
(PP) which was held at the University of
Payakumbuh Sumatera Barat. Muhammadiyah Surakarta (UMS),
Surakarta, Central Java. On that
April 6, 2011. The Company inaugurate occasion, the Company signed a
the relocation of Sub Branch Office of cooperation agreement with the holding
Payakumbuh which was located in Jalan of Islamic Financial Services Cooperative
Jenderal Sudirman No. 14A Payakumbuh, (KJKS Holding) Baitul Tamwil
and now relocated to Jalan Soekarno Muhammadiyah (BTM) for the use of
Hatta No. 136 Payakumbuh West sharia services.
Sumatera.
10 Mei 2011. Perseroan melakukan

Media Visit ke Kantor Redaksi Harian
Bisnis Indonesia di Gedung Bisnis
Indonesia, Jakarta.
May 10, 2011. The Company conduct

Media Visit to Editorial Office of Bisnis
Indonesia Daily in Bisnis Indonesia
Building, Jakarta.
25 Mei 2011. Perseroan berpartisipasi
8 April 2011. Perseroan melakukan 13 Mei 2011. Perseroan melakukan menandatangani Memorandum of
Media Visit ke Harian Republika di Jalan Media Visit ke Kantor Redaksi Harian Understanding (MoU) tentang
Mampang Prapatan Nomor 17, Jakarta Solo Pos di Gedung Griya Solo Pos, Pelaksanaan Fungsi Sosial Perbankan
Selatan. Solo. Syariah melalui Program Perbankan
Syariah Peduli (iB Peduli) dengan Badan
April 8, 2011. The Company conduct May 13, 2011. The Company conduct Amil Zakat Nasional di Gedung Bank
Media Visit to Republika Daily at Jalan Media Visit to the Editorial Office of Solo Indonesia, Jakarta.
Mampang Prapatan Number 17, South Pos Daily in Griya Solo Pos Building,
Jakarta. Solo. May 25, 2011. The Company has
participated in signing the memorandum
27 April 2011. Perseroan melakukan of understanding (MOU) regarding the
penandatanganan Memorandum of implementation of the Social Functions of
Understanding (MoU) dengan Pimpinan Islamic Banking Care Program (iB Care)
Pusat Muhammadiyah mengenai with the National Institution for Amil
“pemanfaatan jasa layanan perbankan Zakat (Baznas) at the Central Bank of
syariah” di Gedung Pusat Dakwah Indonesia (BI) building, Jakarta.
Muhammadiyah, Jakarta.
April 27, 2011. The Company signed a

memorandum of understanding (MOU)
with the central leadership (PP) of the
"utilization of Muhammadiyah Islamic
banking services" in Muhammadiyah
Da’wah Center Building, Jakarta.
12 Significant Event 2011
Peristiwa Penting 2011 Bank Syariah Bukopin Annual Report 2011
19 Juli 2011. Perseroan melakukan

penandatanganan kerjasama dengan PT
Indosat, Tbk mengenai penggunaan 8 Agustus 2011. Perseroan melakukan
Juni teknologi berbasis internet protocol (IP) pembukaan Kantor Cabang Makassar
3 Juni 2011. Perseroan berpartisipasi dengan teknologi multi protocol label yang berlokasi di Jl. DR Sam Ratulangi
dalam kegiatan Seminar “Developer switch (MPLS) di Gedung Bank Syariah No.98 Makasar, Sulawesi Selatan.
Business Property” yang diselenggarakan Bukopin Pusat, Jalan Salemba Raya
oleh Universitas Indonusa Esa Unggul di Nomor 55 Jakarta Pusat. August 8, 2011. The Company launched
Hotel Menara Peninsula, Jakarta. and open Makassar Branch Office which
July 19, 2011. The Company has signed located at Jalan DR. Sam Ratulangi,
June an agreement with PT Indosat, Tbk Number 98, Makassar, Sulawesi Selatan.
June 3, 2011. The Company participated regarding the use of internet protocol (IP)
on Developer Business Property Seminar technology with multi protocol label
activity held by Indonusa Esa Unggul switch (MPLS) in Bank Syariah Bukopin
University at Hotel Menara Peninsula, Head Office, Jalan Salemba Raya,
Jakarta. Number 55, Central Jakarta.
5 Juni 2011. Perseroan melakukan

penandatanganan Memorandum of
Understanding (MoU) dengan Amanah
Finance mengenai pembiayaan secara
channeling, di Gedung Bank Syariah
Bukopin Pusat, Jalan Salemba Raya
Nomor 55 Jakarta Pusat. 11 Agustus 2011. Perseroan
melaksanakan Business Gathering yang
June 5 2011. The Company has signed dilangsungkan di Hotel Best Western,
memorandum of understanding (MOU) Solo.
with Amanah Finance regarding financing 28 Juli 2011. Perseroan melakukan
with channeling program on Bank Syariah penandatanganan kerjasama dengan August 11, 2011. The Company conduct
Bukopin head office, at Jalan Salemba Yayasan Dompet Dhuafa Republika Business Gathering that was held at Best
Raya, Number 55, Central Jakarta. sebagai salah satu penyalur zakat Western Hotel, Solo.
Dompet Dhuafa di Gedung Bank Syariah
25 Juni 2011. Perseroan melakukan Bukopin Pusat, Jalan Salemba Raya No. 11 Agustus 2011. Kantor Cabang
Workshop dalam “Pameran Edukasi dan 55 Jakarta Pusat. Perseroan di Jl. Brigjen Slamet Riyadi,
Sosialisasi Perbankan Syariah” dengan Surakarta, Solo secara resmi dibuka.
Direktorat Perbankan Syariah Bank July 28, 2011. The Company signed an
Indonesia di Arena Pekan Raya Jakarta. agreement with Dompet Dhuafa August 11 2011. The Company launched
Republika Foundation as one of Dompet and open Solo Branch Office which
June 25, 2011. The Company conduct a Dhuafa Alms chanelling at Bank Syariah located at Jalan Brigjen Slamet Riyadi,
Workshop at“Education and Socialization Bukopin Head Office, Jalan Salemba Number 271, Surakarta, Central Java.
of Islamic Banking Exhibition” with Raya, No. 55, Central Jakarta.
Islamic Banking Directorate of Central
Bank of Indonesia at Arena Pekan Raya
Jakarta.
15 Agustus 2011. Perseroan menggelar

acara Buka Puasa Bersama dengan
Agustus media di Restoran Bumbu Desa, Cikini,
8 Agustus 2011. Perseroan melakukan Jakarta Pusat.
Juli Media Visit ke Kantor Redaksi Harian
6 Juli 2011. Perseroan mengadakan Fajar Makassar, di Makassar. August 15, 2011. The Company held
sosialisasi dan Photo Captions mengenai Break Fasting activity together with media
penyediaan jasa layanan Safe Deposit August at Bumbu Desa Restaurant, Cikini,
Box pada Kantor Cabang Melawai. August 8, 2011. The Company conduct Central Jakarta.
Media Visit to the Editorial Office of Fajar
July Makassar Daily, in Makassar. 19 Agustus 2011. Perseroan melakukan
July 6, 2011. The Company has conduct kegiatan Buka Puasa Bersama dengan
socialization and Photo Captions 8 Agustus 2011. Perseroan karyawan di Gedung Bank Syariah
regarding the Provision of Safe Deposit melaksanakan Business Gathering Bukopin Pusat, Jalan Salemba Raya 55
Box services at Melawai branch office. dengan Amal Usaha Muhammadiyah, Jakarta Pusat.
Makassar.
August 19, 2011. The Company held
August 8, 2011. The Company conduct Break Fasting activity together with all
Business Gathering with Muhammadiyah employee at Bank Syariah Bukopin Head
Charitable Effort, Makassar Office, Jalan Salemba Raya 55 Central
Jakarta.
September
7 September 2011. Perseroan
melaksanakan kegiatan Halal Bihalal
bersama seluruh karyawan Kantor Pusat
Desember
dan cabang Melawai Gedung Bank
7-9 Desember 2011. Perseroan
Syariah Bukopin Pusat, Jalan Salemba
melaksanakan kegiatan Rapat Kerja
Raya Nomor 55 Jakarta Pusat.
15 Oktober 2011. Perseroan melakukan Tahunan 2012 yang dilaksanakan di Hotel
penandantanganan Memorandum of Scarlet, Bandung, Jawa Barat.
September Understanding (MoU) antara Pimpinan
September 7, 2011. The Company held
Pusat Muhammadiyah dengan 7 (tujuh) December
Halal Bihalal activity together with all
bank syariah. December 7-9, 2011. The Company held
employee of Head Office and Melawai
Annual Meeting 2012 at Scarlet Hotel,
branch at Bank Syariah Bukopin Head
Oktober 15, 2011. The Company has Bandung, West Java.
Office, Jalan Salemba Raya Number 55
signed Memorandum of Understanding
Central Jakarta.
(MoU) between Head of Muhammadiyah
with 7 (seven) Islamic banks.
29 September 2011. Perseroan meraih
penghargaan sebagai “The Most
Favourite Service Quality & Product For
Syariah Banking” dalam acara “Indonesia
Property and Bank Award 2011” di Hotel
Borobudur, Jakarta Pusat.
September 29, 2011. the Company has

achieved an award as The Most Favourite
Service Quality & Product For Syariah 10 Desember 2011. Perseroan
Banking at the event of “Property & Bank menggelar acara Employee Gathering
Award 2011” at Hotel Borobudur, Central Millad yang dilaksanakan di Sari Ater
Jakarta.
17 Oktober 2011. Perseroan Hotel & Resort, Subang.
melaksanakan penandatanganan
Amandemen Perjanjian Kerjasama December 10, 2011. The Company held
dengan PT PLN (Persero) mengenai an Employee Gathering Millad, that was
Penerimaan Pembayaran Tagihan Listrik held at Sari Ater Hotel & Resort, Subang.
dan Tagihan Lainnya Secara Terpusat di
Ruang Auditorium Gedung Utama Lantai
3, Kantor Pusat PT PLN (Persero), Jalan
Trunojoyo Blok M I/135, Jakarta Selatan.
October 17, 2011. The Company has

signed an amendment agreement with PT
PLN (Persero) regarding Centralized
Oktober
Receipt of Payment on Electricity Bills
6 Oktober 2011. Perseroan melakukan
and other Bills at Auditorium Main Room
penandatanganan perjanjian kerjasama
building 3rd floor, PT PLN (Persero) Head
dengan Universitas Muhammadiyah
Office, Jalan Trunojoyo, Blok M I/135,
Tangerang (UMT) mengenai Pemanfaatan 12 Desember 2011. Perseroan
South Jakarta.
Produk & Jasa Syariah di Gedung UMT, berpartisipasi dalam Rapat Kerja
Tangerang, Banten. Nasional (Rakernas) Kebendaharaan
Pengurus Pusat Muhammadiyah dalam
October rangka menggali dana murah melalui iB
October 6, 2011. the Company has siAga yang dipresentasikan pada acara
signed an agreement with University of yang diselenggarakan di Asrama Pondok
Muhammadiyah Tangerang (UMT) Haji, Jakarta Timur.
regarding the use of Sharia Product and
Services at UMT building, Tangerang, December 12, 2011. The Company has
Banten. done a presentation regarding iB SiAga
saving to explore more on low cost fund
at Treasury National Work Meeting
(Rakernas) Muhammadiyah central board
that has been held at Asrama Pondok
Haji, Pondok Gede, East Jakarta.
bank syariah bukopin achievements

prestasi bank syariah bukopin
Reliable.“The service given by the Company has

a credibility that can be relied upon and has
prioritized hospitality, comfort, and good
relationships”.
Dari waktu ke waktu, Perseroan selalu berko From time to time, the Company always
mitmen untuk terus meningkatkan pelayanan commit to keep improve its service to the
kepada masyarakat, selain pencapaian bisnis. community, aside from business achievements.
Kepuasan nasabah menjadi tujuan utama Customer’s satisfaction is the main goal of the
Perseroan dalam menjalankan bisnis perbankan Company in implementing the Islamic banking
syariah di Tanah Air. Dengan komitmen dan business in the nation. With commitment and
pengembangan yang terus-menerus dilakukan, continuous development, the Company’s service
kualitas layanan Perseroan pun makin meningkat quality is increasing significantly.
signifikan.
Kualitas pelayanan yang diberikan Perseroan The quality of service that the Company gave is
terus meningkat jika dibandingkan dengan tahun increasing compared to the previous year.
sebelumnya. Hasil riset dan survei yang dilaku MarkPlus Insight has done a research and
kan MarkPlus Insight menunjukkan, pelayanan survey which showed that the service that is
yang diberikan Perseroan memiliki kredibilitas given by the Company is reliable, prioritizing
yang dapat diandalkan serta mengutamakan hospitality, comfort, and great relationship. It is
keramahan, kenyamanan, dan hubungan yang reflected in the Indonesia Service to Care Award
baik. Hal itu tercermin dalam penghargaan from Marketeers that cooperate with MarkPlus
Indonesia Service to Care Award dari Marketeers Insight.
yang bekerja sama dengan MarkPlus Insight.
Intinya, kesuksesan yang diraih Perseroan, baik The point is, the success that is achieved by the
dalam hal kinerja keuangan maupun pengakuan Company, both in the financial performance and
dari pihak eksternal, merupakan output dedikasi, in external recognition, is an output of
kerja keras, dan komitmen jajaran manajemen, dedication, hard work, and commitment from
karyawan, serta pemangku kepentingan yang the management, employee, and existing
ada. Walau usianya masih terbilang muda, stakeholders. Even though it’s still relatively
Perseroan mampu menunjukkan eksistensi young, the Company has been able to show its
dalam percaturan bisnis perbankan syariah di existence in the Islamic banking industry in
Indonesia. Indonesia.
Kesungguhan dan komitmen Perseroan dalam The Company’s sincerity and commitment in
hal pencapaian target usaha dan pelayanan terms of achieving business and service target
terhadap nasabah merupakan kata kunci towards the customers is the Company’s
Perseroan dalam menerjemahkan proses keyword in interpreting its business process. At
usahanya. Saat ini prestasi gemilang yang the moment, brilliant achievement that is
berhasil dicetak Perseroan dalam meningkatkan managed to be accomplished by the Company
performanya telah menjadi barometer bagi in improving its performance has been a
industri perbankan syariah di Tanah Air. barometer in the nation’s Islamic banking
industry.
Kendati demikian, Perseroan tidak lantas ber However, the Company won’t rest on its laurels.
puas diri. Perseroan terus-menerus meningkat The Company will keep improve the quality of
kan kualitas pelayanan kepada nasabah. Karena, service for the customers, because the
16 BANK SYARIAH BUKOPIN ACHIEVMENT
Prestasi Bank Syariah Bukopin Bank Syariah Bukopin Annual Report 2011
nasabah memiliki peranan penting dalam customer has a crucial role in the business
kemajuan dan perkembangan bisnis yang ada. improvement and development.
Kesinambungan dan konsistensi Perseroan The Company’s sustainability and consistency

dalam memberikan pelayanan terbaik kepada in giving the best service towards the customer
nasabah pada akhirnya berhasil mendapatkan eventually achieve high appreciation in various
apresiasi yang tinggi dari berbagai kalangan di circles in the national banking industry. The
industri perbankan nasional. Keseriusan Company’s seriousness in giving prime services
Perseroan dalam memberikan pelayanan prima also positive and constructive responds from all
tersebut juga direspons secara positif dan stakeholders in the Islamic banking industry. It
konstruktif oleh segenap stakeholder di industri is proven by various awards the Company
perbankan syariah. Hal itu dibuktikan dengan achieved throughout 2011. These are the
berbagai penghargaan yang diperoleh Perseroan awards the Company achieved in 2011:
sepanjang 2011. Berikut adalah penghargaan-
penghargaan yang berhasil diraih Perseroan
selama 2011:
1. 31 Januari 2011 Perseroan menerima 1. January 31, 2011 the Company received
penghargaan Indonesia Service to Care Indonesia Service to Care Award from
Award dari MarkPlus Insight. MarkPlus Insight.
2. 18 Maret 2011 di ajang “ASEAN Bisnis 2. March 18, 2011 in “ASEAN Business Award
Award 2011” Perseroan mendapatkan 2011” event, the Company achieved
penghargaan sebagai The Best Banking & recognition as The Best Banking & Service
Service Excellent of The Year. Excellent of The Year.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011 17
3. 21 Juli 2011 di ajang “Rekor Bisnis 2011” 3. July 21, 2011 in the “Business Record
Perseroan mendapatkan penghargaan 2011” event, the Company received
sebagai Bank Umum Syariah Pertama yang recognition as The First Commercial
Meluncurkan Tabungan Bisnis dengan Islamic Bank that Launches a Business
Sistem Syariah. Saving with Sharia System.
4. 3 Agustus 2011 di ajang “Investor Award 4. August 3, 2011 in the “Investor Award
2011” Perseroan mendapatkan 2011” event, the Company received
penghargaan sebagai Best Syariah Bank acknowledgment on the 5th rank on Best
2011 peringkat ke-5. Islamic Bank 2011.
5. 14 September 2011 di ajang “Annual 5. September 14, 2011 in the “Annual Report
Report Award 2010” Perseroan berhasil Award 2010” the Company manage to take
menduduki peringkat ke-10 untuk kategori the 10th rank on the Non Listed Private
Private Keuangan Non Listed. Financial category.
6. 29 September 2011 di ajang “Property & 6. September 29, 2011 in the “Property &
Bank Award 2011” Perseroan menerima Bank Award 2011” the Company achieve
penghargaan sebagai bank syariah predikat recognition as the best sharia bank in The
baik kategori The Most Favourite Service Most Favourite Service Quality & Product
Quality & Product for Shariah Banking. for Shariah Banking category.
7. 10 November 2011 di ajang “The 8th 7. November 10, 2011 in “The 8th Islamic
Islamic Finance Award Nite 2011” yang Finance Award Nite 2011” event which is
digelar Karim Business Konsulting, held by Karim Business Consulting, the
Perseroan mendapatkan penghargaan Company achieve recognition for these
untuk kategori-kategori berikut: next categories:
• 3rd Rank – The Best Quality Service • 3rd Rank – The Best Quality Service
• 3rd Rank – The Best Customer Service • 3rd Rank – The Best Customer Service
• 3rd The Most Efficient – Islamic Full • 3rd The Most Efficient – Islamic Full
Fledge Bank Fledge Bank
• 3rd Rank The Most Prudent–Islamic Full • 3rd Rank The Most Prudent–Islamic Full
Fledge Bank. Fledge Bank.
18 BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
pengurus bank
syariah bukopin
the management
of bank syariah bukopin
Berdasarkan hasil Keputusan

Rapat Umum Pemegang Saham
(RUPS) Perseroan, tanggal 12
Maret 2010, yang dituangkan
dalam Akta Nomor 11 tanggal 25
Maret 2010 dan dibuat oleh
Adrian Djuaini, S.H., notaris, di
Jakarta, susunan Dewan
Komisaris, Direksi, dan Dewan
Pengawas Syariah Perseroan
adalah sebagai berikut:
Based on the decision from General Meeting
of Shareholders (AGM) of the Company, dated
March,12, 2010, as outlined in Deed No. 11
dated March, 25, 2010 and made by Adrian
Djuaini, S.H., notary, in Jakarta, the
composition of the Board of Commissioners,
the Board of Directors, and Sharia Supervisory
Board of the Company are following:
THE MANAGEMENT OF BANK SYARIAH BUKOPIN
20 Pengurus Bank Syariah Bukopin BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Dewan Komisaris
Board of Commissioners
Komisaris Utama Komisaris Independen Komisaris Independen

Sudarmin Sjamsoe, S.E. DR. Hajriyanto Y. Thohari, M.A. Prof. DR. Bambang Setiaji, M.Si.
Terpilih menjadi Komisaris Utama Menjabat sebagai Komisaris Menjabat sebagai Komisaris
Perseroan sejak 12 Maret 2010. Independen Perseroan sejak Independen Perseroan sejak Maret
Kariernya di bidang perbankan September 2008. Sebelumnya ia 2008. Sebelumnya, sejak 2006, ia
dimulai sejak 1986. Sudarmin menjabat sebagai Komisaris PT merupakan Komisaris PT Bank
Sjamsoe merupakan alumnus Bank Persyarikatan Indonesia (BPI) Persyarikatan Indonesia (BPI). Gelar
Universitas Indonesia (UI), Depok, sejak 2001. Di bidang akademik, akademiknya adalah doktor ilmu
Jawa Barat, dengan gelar sarjana pria ini adalah peraih gelar doktor ekonomi yang didapat dari
ekonomi. ilmu antropologi dari Universitas Universitas Gadjah Mada (UGM),
Indonesia (UI), Depok. Yogyakarta.
Independent Commissioner Independent Commissioner

President Commissioner
DR. Hajriyanto Y. Thohari, M.A. Prof. DR. Bambang Setiaji, M.Si.
Sudarmin Sjamsoe, S.E.
Selected as President He assumed the post of Indepen- He has been in charge as an Inde-
Commissioner of the Company dent Commissioner of the Company pendent Commissioner at the
since March 12, 2010. His career since September 2008. Prior to that, Company since March 2008.
in banking industry started since since 2001, Hajriyanto was the Previously, since 2006, Bambang
1986. Sudarmin Sjamsoe is an Commissioner of PT Bank Setiaji assumed the post as a
alumni of University of Indonesia, Persyarikatan Indonesia (BPI). In Commissioner at the PT Bank
Depok, West Java, where he
academic area, he has completed Persyarikatan Indonesia (BPI). In
received his bachelor in
Economics. his doctoral degree from the academic area, he has completed
Department of Anthropology from study and received his doctoral
the University of Indonesia, Depok, degree in Economics from Gadjah
West Java. Mada University in Yogyakarta.
Direksi
Board of Directors
Direktur Utama Direktur Bisnis

Riyanto Harry Harmono Busiri
Menjabat sebagai Direktur Utama Perseroan Terpilih sebagai Direktur Bisnis Perseroan
sejak September 2008. Kariernya di industri pada 12 Maret 2010. Sebelumnya ia
perbankan dimulai sejak 1988, yaitu di PT Bank menjabat sebagai Komisaris Utama
Bukopin, Tbk. Ia merupakan sarjana akuntansi Perseroan sejak Desember 2008. Kariernya
lulusan Fakultas Ekonomi Universitas di bidang perbankan dimulai sejak 1986,
Padjadjaran (Unpad), Bandung. yaitu di PT Bank Bukopin, Tbk. Harry
merupakan alumnus Universitas Padjadjaran
President Director (Unpad), Bandung, dengan titel sarjana
Riyanto peternakan.
He has assumed the post as President Director
for the Company since September 2008. His Business Director
career as a banker began when he got a job Harry Harmono Busiri
with PT Bank Bukopin, Tbk. in 1988. Riyanto is Selected as Business Director of the
an alumni from the faculty of Economics from Company since March 12, 2010. Previously,
the Padjadjaran University in Bandung, West he assumed the post as President
Java, where he received his bachelor in Commissioner of the Company since
Accountancy. December 2008. His career in banking
industry started since 1986 when his first
worked in PT Bank Bukopin, Tbk. Harry
Harmono Busiri is an alumni and a graduate
of Animal Husbandary, Padjadjaran
University, Bandung, West Java.
THE MANAGEMENT OF BANK SYARIAH BUKOPIN
22 Pengurus Bank Syariah Bukopin BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Direktur Operasi dan Pelayanan Direktur Kepatuhan dan Manajemen Risiko

Ruddy Susatyo Eriandi
Terpilih sebagai Direktur Operasi dan Menjabat sebagai Direktur Kepatuhan dan
Pelayanan Perseroan pada 12 Maret 2010. Manajemen Risiko Perseroan pada 12 Maret
Karier lulusan Universitas Indonesia (UI) 2010. Sebelumnya ia menjabat sebagai Direktur
dengan gelar sarjana ekonomi di bidang Bisnis Perseroan sejak 2008. Kariernya di
perbankan ini dimulai sejak 1987, yaitu di PT bidang perbankan dimulai sejak 1991, yaitu di
Bank Bukopin, Tbk. PT Bank Bukopin, Tbk. Eriandi adalah lulusan
Institut Teknologi Bandung (ITB), Bandung,
Operation and Service Director dengan titel sarjana teknik industri.
Ruddy Susatyo
Appointed as Operation and Service Director Compliance and Risk Management Director
of the Company since March 12, 2010. He is Eriandi
an alumni and a graduate of Economy from He has been in charge as Compliance and Risk
University of Indonesia. His career in banking Management Director since March 12, 2010.
started when he joined PT Bank Bukopin, Previously, he assumed the post as Business
Tbk. in 1987. Director of the Company since March 2008. His
career in the banking industry started in 1991
when he first worked for Bank Bukopin. In
academic area, Eriandi received his bachelor
degree from Industrial Engineering from
Bandung Institute of Technology, Bandung,
West Java.
Dewan Pengawas Syariah

Sharia Supervisory Board
Ketua Dewan Pengawas Syariah Anggota

Prof. DR. H.M. Din Syamsudin, M.A. H. Ikhwan Abidin Basri, M.A.
Terpilih dan menjabat sebagai Ketua Dewan Terpilih dan menjabat sebagai Anggota
Pengawas Syariah Perseroan sejak Desember Dewan Pengawas Syariah Perseroan sejak
2008. Di bidang akademik, Din Syamsudin Desember 2008. Di bidang akademik, Ikhwan
merupakan peraih gelar doktor program Abidin merupakan peraih gelar master pada
interindepartemen dari University of California, International Institute of Islamic Economics,
Los Angeles, Amerika Serikat. Di samping International Islamic Unversity Islamabad,
jabatan tersebut, saat ini ia menjabat sebagai Pakistan. Saat ini Ikhwan Abidin aktif sebagai
Ketua Umum Pimpinan Pusat (PP) Anggota Kelompok Kerja (Pokja) Perbankan
Muhammadiyah dan sebagai Wakil Ketua Dewan Syariah Nasional Majelis Ulama
Umum Majelis Ulama Indonesia (MUI). Indonesia (DSN–MUI).
Sharia Supervisory Board Chairman Member

Prof. DR. H.M. Din Syamsudin, M.A. H. Ikhwan Abidin Basri, M.A.
He was chosen as The Chairman of Sharia He was elected as the member of Sharia
Supervisory Board of the Company since Supervisory Board at the Company since
December 2008. He's got his doctorate degree December 2008. In academic field, Ikhwan
from Interindepartment Program from Abidin is a master graduate on International
University of California, Los Angeles, USA. Institute of Islamic Economics, International
Aside from that position, right now he served Islamic University (IIU), Islamabad, Pakistan.
as General Chairman of the Central Executive Currently Ikhwan Abidin is an active Member
(PP) of Muhammadiyah and as Vice Chairman of the Banking Working Group of the National
of the Indonesian Ulama Council (MUI). Islamic Council of Ulama Indonesia (DSN-
MUI).
message from the

president commissioner
sambutan komisaris utama
Sustainability.”The Company sustainability has grow and run in

accordance with the existing rules, and continue to become a healthy Islamic
bank. This achievement in 2011 can not be separated from the commitment and
management that has been done by Board of Directors".
Assalamu’alaikum warahmatullahi Assalamu’alaikum warahmatullahi

wabarakatuh wabarakatuh
Salam sejahtera bagi kita semua Best wishes for us all
Puji dan syukur kita panjatkan kepada Allah Praise and gratitude we pray toward Allah
SWT, pemilik dan pemelihara alam semesta, SWT, the owner and caretaker of the universe,
karena atas segala rahmat dan karunia-Nya because for all His blessings and grace to this
jualah hingga saat ini nikmat yang kita rasakan step that we feel everlasting pleasure.
tidak pernah berhenti.
Di tengah lingkungan global yang masih diwarnai Amid the global environment which still marked
stagnasi dan ketidakpastian, perekonomian with stagnation and uncertainty, Indonesia's
Indonesia berkembang cukup baik dan economy developed quite well and showed the
menunjukkan ketahanannya terhadap kejutan resistance to external shocks, in which the
eksternal, di mana pertumbuhan mencapai 6,5% growth has achieved 6.5% with 3.79% inflation.
dengan inflasi 3,79%.
Selain itu, dengan naiknya peringkat utang In addition, the increase of Indonesia’s debt
Indonesia menjadi investment grade, akan rating has become investment grade, will
meningkatkan kepercayaan investor untuk increase investor confidence to invest in
berinvestasi di Indonesia. Sejalan dengan Indonesia. In line with domestic economic
kondisi ekonomi domestik, perkembangan conditions, the development of Islamic banking
industri perbankan syariah di Indonesia industry in Indonesia, growing rapidly or grew
berkembang pesat atau tumbuh sebesar 47,5%, by 47.5%, so the market share has rose to
sehingga pangsa pasarnya meningkat menjadi 3.7% from total national banking assets. This
3,7% dari total aset perbankan nasional. Hal ini has shown that the Islamic banking services
menunjukkan bahwa pelayanan perbankan has more widely spread throughout Indonesia.
syariah makin luas tersebar di seluruh Indonesia.
Walaupun Perseroan baru beroperasi belum Even though the Company has not yet
genap 3 (tiga) tahun, pertumbuhan bisnis operating for 3 (three) years, the Company’s
Perseroan pada 2011 dapat dikatakan cukup business growth in 2011 was quite good. Total
baik. Total aset Perseroan pada 2011 meningkat assets of the Company in 2011 increased by
sebesar 24,4% atau menjadi sebesar Rp 2,73 24.4% or become Rp2.73 trillion. Meanwhile,
triliun. Sedangkan, pembiayaan yang berhasil the successful financing given was Rp1.92
diberikan adalah sebesar Rp 1,92 triliun, tumbuh trillion, grew by 18.95%. Meanwhile, third-party
sebesar 18,95%. Sementara itu, dana pihak funds (DPK), which was collected, has reached
ketiga (DPK) yang berhasil dihimpun mencapai Rp 2.29 trillion, or grew by 41.30% compared
Rp 2,29 triliun, atau tumbuh sebesar 41,30% jika to 2010 which amounted to Rp1.62 trillion.
dibandingkan dengan 2010 yang sebesar Rp1,62
triliun.
Dewan Komisaris juga melaporkan bahwa The Board Of Commisioners has also reported
sepanjang 2011 telah berusaha that throughout 2011The Board Of
mengimplementasikan good corporate Commisioners has been trying to implement
governance (GCG) sesuai ketentuan dengan good corporate governance (GCG) in
MESSAGE FROM THE PRESIDENT COMMISSIONER
26 Sambutan Komisaris Utama BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
dukungan tiga komite. Hal tersebut bertujuan accordance with the support of three
untuk mengoptimalkan, memperbaiki, committees. It aims to optimize, repair, equip,
melengkapi, dan mengkoreksi berbagai and correcting various deficiencies in order to
kekurangan guna memenuhi prinsip-prinsip tata comply with the principles of good corporate
kelola perusahaan yang baik dapat governance that can be implemented, either by
terimplementasi, baik oleh Dewan Direksi the Board of Directors or employees.
ataupun karyawan.
Pada 2012, diperkirakan pertumbuhan yang In 2012, an estimated high growth in Islamic
tinggi pada perbankan syariah di Indonesia banking in Indonesia still continue, despite
masih akan berlanjut, walaupun perekonomian global economy, particularly in the United
global, khususnya Amerika Serikat (AS) dan States (U.S.) and Europe are still overshadowed
Eropa masih dibayangi oleh krisis dan by the crisis and slow economic growth. On the
perlambatan pertumbuhan ekonomi. Di lain other hand, competition in Islamic banking
pihak, persaingan industri perbankan syariah industry will be more competitive, so it takes
akan makin kompetitif, sehingga memerlukan the right business strategy and governance to
strategi yang tepat dan tata kelola bisnis yang achieved the agreed target.
lebih baik untuk mencapai target yang telah
disepakati.
Akhir kata, Dewan Komisaris mengucapkan Finally, the Board of Commissioners would like
terima kasih kepada manajemen Perseroan, to thank the management of the Company,
pejabat eksekutif, dan karyawan atas dedikasi executive officers, and employees for their
dan kerja samanya selama setahun ini sehingga dedication and cooperation during this year so
Perseroan bisa tumbuh seperti sekarang. Kami the Company can grow as it is now. We also
juga mengharapkan prestasi ini bisa ditingkatkan expect this achievement can be improved in
pada 2012 untuk mencapai target yang telah 2012 to achieve the agreed target. And, of
disepakati bersama. Dan, tentunya juga kami course we also thank all our customers,
berterima kasih kepada seluruh nasabah, shareholders and other stakeholders for their
pemegang saham, dan stakeholder lainnya atas support and trust given to the Company.
dukungan dan kepercayaan yang diberikan
kepada Perseroan.
Semoga, apa yang kita kerjakan mendapatkan Hopefully, what we do obtain the blessing from
ridho dari Allah SWT dan membawa kebaikan Allah SWT and good for us all. Amin
bagi kita semua. Amin
Wa billahit-taufiq wal hidayah Wa billahit-taufiq wal hidayah

Wassalamualaikum warahmatullahi wabara- Wassalamualaikum warahmatullahi
katuh wabarakatuh
Jakarta, 31 Desember 2011

Jakarta, December 31, 2011
Sudarmin Sjamsoe
Sjamsoe, S E
S.E.
Komisaris Utama
President Commissioner
message from
the president director
sambutan direktur utama
Optimal. “In the future the

Company will explore much more
opportunities and those market through
implementing business strategy
optimization, so the Company growth
will be more accelerative and higher
quality".
Assalamu’alaikum wa rahmatullahi Assalamu’alaikum wa rahmatullahi

wa barakatuh, wa barakatuh,
Puji syukur kami panjatkan kepada Allah Praise to Allah SWT the almighty for the
SWT atas kinerja Perseroan yang baik good performance of the Company throughout
sepanjang 2011. Di tengah guncangan krisis 2011. In the midst of crisis shocks from Europe
utang Eropa dan Amerika Serikat (AS), ekonomi and the United States (U.S.) debt, national
nasional sejauh ini tetap tumbuh positif. Di saat economy so far manages to grow positively. At
bersamaan, Perseroan juga berhasil mencapai the same time, the Company has also managed
kinerja baik, seperti harapan pemegang saham to achieve good performance, as hoped by
dan seluruh stakeholders. shareholder and stakeholders.
Makro-Ekonomi Macro-Economy
Jika dicermati, sepanjang 2011 ada semacam If observed, there’s a sort of dichotomy between
dikotomi antara kondisi makro-ekonomi global the state of global and national macro-economy
dan nasional, khususnya antara kondisi makro- throughout 2011, especially between the macro-
ekonomi di negara-negara maju, Eropa, dan AS economy condition in developed countries like
yang mengalami turbulensi ekonomi dengan in Europe and the US which are going through
negara-negara emerging market, yang justru economical turbulence, with emerging market
tetap mampu menjaga pertumbuhan ekonominya countries, which manage to keep their economy
dengan baik. grow positively.
Demikian juga dengan perekonomian Indonesia However, Indonesia’s economy keeps growing.
yang tetap tumbuh. Ekonomi Indonesia pada Indonesia’s economy in 2011 is relatively better
2011 relatif lebih baik daripada 2010. Ekonomi than in 2010. The national economy in 2011
nasional pada 2011 tumbuh 6,5%, lebih tinggi grows as much as 6.5%, a bit higher compared
dibandingkan dengan pertumbuhan tahun to Indonesia’s economy growth in 2010 that’s
sebelumnya yang 6,1%. only 6.1%.
Kondisi yang baik tersebut pada akhirnya That good record eventually impacted positively
berdampak positif pada industri perbankan to national banking industry. Until the end of
nasional. Sampai dengan akhir Desember 2011, December 2011, credit and accumulation of
kredit dan penghimpunan DPK secara year on third party funds by year on year individually
year (yoy) masing-masing mengalami grows as much as 24.59% and 19.07%
pertumbuhan sebesar 24,59% dan 19,07% compared to the same period in 2010.
dibandingkan dengan periode yang sama 2010.
Perbankan Syariah Nasional National Islamic Banking
Seiring dengan membaiknya kondisi ekonomi Along with the improvement of the national
nasional, kinerja perbankan syariah juga terus economy condition, Islamic banking
membaik. Beberapa indikator kinerja perbankan performance also manages to improve. This fact
syariah per Desember 2011 menunjukkan hal was indicated by Islamic banking performance
tersebut. Di antaranya, capital adequacy ratio indicator by December 2011, such as Islamic
(CAR) perbankan syariah mencapai 15,37%, non banking’s Capital Adequacy Ratio (CAR) reaches
MESSAGE FROM THE PRESIDENT DIRECTOR
30 Sambutan Direktur Utama BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
performing financing (NPF) 2,52%, dan financing 15.37%, non performing financing (NPF)
deposit ratio (FDR) 91,41%. reaches 2.52%, and financing deposit ratio
(FDR) reaches 91.41%.
Pada akhir 2011 terjadi kenaikan aset perbankan At the end of 2011, there’s an increase of
syariah sebesar 49,17%, dari Rp97,52 triliun Islamic banking asset as big as 49.17% from
pada 2010 menjadi Rp145,47 triliun pada 2011. Rp97.52 trillion in 2010 to Rp145.47 trillion in
Peningkatan aset tersebut pada akhirnya 2011. That asset enhancement eventually
meningkatkan pangsa pasar perbankan syariah increases national Islamic banking market share
nasional menjadi 3,98% pada akhir 2011. to 3.98% in the end of 2011. The increase of
Peningkatan aset perbankan syariah nasional national Islamic banking assets also followed
diikuti pula dengan pertumbuhan pembiayaan with the increase of financing and accumulation
dan penghimpunan DPK—masing-masing of DPK, which individually grow as much as
tumbuh sebesar 50,56% dan 51,79% atau 50.56% and 51.79%, or in nominal grows to
secara nominal jumlahnya menjadi Rp102,66 Rp102.66 trillion and Rp116.42 trillion.
triliun dan Rp116,42 triliun.
Pengelolaan risiko industri perbankan syariah The risk management of Islamic banking
juga makin baik. Hal itu tercermin dari rasio industry also improves. This can be indicated
pembiayaan bermasalah terhadap total from the decrease of problematic financing
pembiayaan atau NPF industri perbankan ratio towards the financing total or Islamic
syariah yang menurun dari 3,02% menjadi banking industry NPF, from 3.02% to 2.52% by
2,52% per Desember 2011. Selain karena December 2011. In addition to the improvement
perbaikan kualitas pembiayaan, kinerja industri of financing quality, the Islamic banking
perbankan syariah juga meningkat berkat industry performance also improves because of
peningkatan kepercayaan masyarakat terhadap higher community trust towards the sharia
sistem syariah yang dinilai makin baik. system that is getting better review.
Eksistensi Perseroan, di kancah industri The Company’s existence, in the national

perbankan syariah nasional yang relatif baru Islamic banking industry is relatively new. But
tidak menghalangi Perseroan untuk terus this doesn’t make the Company to stop
berkarya dan memberikan hasil terbaik. performing and giving the best result.
Perseroan terus melakukan penguatan di bidang The Company keeps on reinforcing themselves
TI, SDI, dan berbagai proses bisnis, baik di in the field of IT, HR, and other business
bidang manajemen internal maupun bidang process, whether in the field of internal
usaha, seperti penghimpunan dana, pembiayaan, management or in the business field, such as
dan bidang lain yang mendatangkan fee based fund accumulation, financing, and other fields
income. that brings in fee based income.
Seiring dengan meningkatnya kepercayaan Along with the increase of community’s and
masyarakat dan stakeholders industri perbankan stakeholder’s trust towards Islamic banking
syariah, Perseroan membuka dua cabang baru, industry, the Company is opening two new
yakni di Makassar dan Solo. Peningkatan branches, in Makassar and Solo. The increase
kepercayaan itu pada praktiknya tercermin dari of community’s trust can also be indicated from
penunjukan Perseroan sebagai Lembaga the designation of the Company as Sharia
Keuangan Syariah–Peserta Wakaf Uang (LKS- Financial Institution-Money Endowment
PWU) dan Bank Penerima Setoran–Biaya Participants (Lembaga Keuangan Syariah-
Penyelenggaraan Ibadah Haji (BPS-BPIH) oleh Peserta Wakaf Uang/LKS-PWU) and Beneficiary
Kementerian Agama Republik Indonesia serta Bank Deposit-Hajj Operation Costs by Ministry
dilakukannya kerja sama payment point online of Religious Affairs, and also by the cooperation
banking (PPOB) dengan PT PLN (Perusahaan with PT PLN for payment point online banking
Listrik Negara) dan kerja sama dengan Pimpinan (PPOB) and the cooperation with the Central
Pusat Muhammadiyah. Executive of Muhammadiyah.
Realisasi Pencapaian Achievement Realization
Pada 31 Desember 2011 secara year to year By December 31, 2011, by year to year, the
aset Perseroan tumbuh 24,43% menjadi Rp2,73 Company’s assets grows as much as 24.43%
triliun dari Rp2,19 triliun pada 31 Desember from Rp 2.19 trillion on December 31, 2010 to
2010. Pertumbuhan aset tersebut lebih baik Rp 2.73 trillion. This asset growth improve
dibandingkan dengan akhir 2010 yang tumbuh compared to the end of 2010 which grew as
11,09%. much as 11.09%.
Selain meningkat dari sisi aset, pada 2011 Per- In addition to asset growth, in 2011 the
seroan berhasil meningkatkan DPK menjadi Company also manages to increase DPK as
Rp2,29 triliun atau tumbuh 41,30% dibandingkan much as 41.30% from Rp 1.62 trillion at the
dengan akhir 2010 yang hanya Rp1,62 triliun. end of 2010 to Rp 2.29 trillion. The same thing
Hal yang sama juga terjadi di bidang also happens in financing. At the end of 2011
pembiayaan. Pada akhir 2011 pembiayaan yang the Company’s financing grow as much as
diberikan Perseroan tumbuh 18,95% menjadi 18.95% from Rp 1.61 trillion in the end of 2010
Rp1,92 triliun dari Rp1,61 triliun pada akhir to Rp 1.92 trillion. Meanwhile, in 2011 the
2010. Sementara, pada 2011 rasio pembiayaan problematic financing ratio towards the total
bermasalah terhadap total pembiayaan sebesar financing problem is 1.74% and financing total
1,74% dan total pembiayaan terhadap DPK towards DPK reaches 83,66%.
mencapai 83,66%.
Pencapaian usaha Perseroan makin lengkap The Company’s business achievement is even
dengan peningkatan laba bersih Perseroan. Pada more complete with the increase of the
31 Desember 2011 laba bersih Perseroan Company’s net income. In December 31, 2011,
mencapai Rp12,209 miliar atau tumbuh 19,30% the Company net income reaches Rp 12.209
dari tahun sebelumnya yang sebesar Rp10,23 billion or grew as much as 19.30% from the
miliar. Pada 2011 CAR Perseroan pun kian previous year which reached Rp10.23 billion. In
membaik, yakni 15,29%, jauh di atas ketentuan 2011, The Company CAR also improves as
CAR minimum yang ditetapkan pemangku much as 15.29%, way above the minimum CAR
otoritas perbankan yang sebesar 8%. provision determined by the banking
authorities, which is 8%.
Pencapaian usaha tersebut merupakan These Business Achievement has become the
keberhasilan dan kontribusi segenap pihak success and contribution from all division in
dalam menerapkan strategi usaha pasca-spin implementing the business strategy of post-
off. Strategi usaha yang ditempuh Perseroan spin off. The business strategy pursued by the
sepanjang 2011 adalah (1) pengembangan usaha Company during 2011 were (1) business
dengan fokus pada sektor UMKM, (2) development with focus on MSMEs sector, (2)
mengembangkan usaha komersial, (3) develop commercial business, (3) developed
mengembangkan usaha konsumer, (4) consumer business, (4) provided fee-based
menyediakan jasa-jasa fee based kepada services to customers, (5) reinforced the
nasabah, (5) memperkuat teknologi dan jaringan technology and network services, (6) strengthen
MESSAGE FROM THE PRESIDENT DIRECTOR
32 Sambutan Direktur Utama BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
pelayanan, (6) memperkuat SDI, (7) peningkatan human resources (HR), (7) improved the quality
kualitas pengelolaan risiko dan kepatuhan, (8) of risk management and compliance, (8)
penanganan pembiayaan bermasalah. handling non performing financing.
Momentum Tumbuh Growing Momentum
Perseroan menilai, peluang dan potensi pasar The Company asses that the opportunity and
perbankan syariah di Tanah Air masih terbuka potential of Islamic banking market in Indonesia
luas. Oleh karena itu, Perseroan ke depan akan is still wide open. So, in the future the
memanfaatkan peluang dan pasar tersebut Company will leverage that opportunity and
dengan sebaik-baiknya melalui optimalisasi market as much as possible through the
implementasi strategi usaha sehingga optimization of business strategy
pertumbuhan bisnis Perseroan makin akseleratif implementation so that the Company’s business
dan berkualitas. will grow in accelerative and in quality.
Pada 2012 hal-hal strategis yang akan menjadi In 2012, the strategic things that will be the
konsentrasi manajemen dan segenap pihak di focus of the management and all other party in
Perseroan dalam melakukan percepatan the Company in accelerating the Company’s
pencapaian usaha adalah (1) mempercepat business achievement were (1) accelerating
pertumbuhan bisnis, (2) memiliki portofolio business growth (2) having a good quality
pembiayaan yang berkualitas, (3) fokus terhadap financing portfolio (3) focusing on cheap/retail
sumber dana murah/ritel, (4) melakukan fund source, (4) doing outlet revitalization
revitalisasi outlet melalui pengembangan bisnis through development of business area, (5)
area, (5) meningkatkan fee based income, (6) increasing the fee based income, (6) increasing
melakukan efisiensi dalam pengelolaan the efficiency in managing the bank’s
operasional bank, (7) mengembangkan SDI yang operational, (7) developing quality human
berkualitas; dan (8) meningkatkan fungsi internal resources, and (8) increasing the function of
kontrol. internal control.
Direksi tak henti-hentinya berpesan agar semua The Board of Directors, keep remind all party in
pihak di Perseroan melakukan empat hal the Company to do four important things that
penting yang menjadi kata kunci dalam setiap has become the keyword in all business
proses usaha yang dilakukan, yakni bekerja attempt to be done, which is work hard,
keras, meningkatkan kompetensi, menjaga increase the competition, keeping the integrity,
integritas, dan selalu berdoa kepada Allah SWT. and keep on praying to Allah SWT.
Akhir kata, Direksi berharap, segenap karyawan In the end, the Board of Directors hopes that all
mampu meningkatkan etos kerja. Dengan employees can improve their work ethic. With
persaingan bisnis yang kian ketat, ke depan the business competition getting more and
Perseroan harus tetap mampu mencapai target more stiff, in the future the Company should
yang telah disepakati bersama. Selain itu, Per- always be able to achieve the target that we all
seroan harus mampu memberikan produk dan agree in. In addition, the Company must also
layanan terbaiknya kepada nasabah maupun gives the best products and services for the
stakeholders lainnya agar selalu menjadi bank customers and other stakeholders, so that it
syariah pilihan masyarakat. will always be the people's choice of islamic
banks.
Wa billahit-taufiq wal-hidayah Wa billahit-taufiq wal-hidayah

Wasalamu’alaikum warahmatullahi wa Wassalamualaikum wa rahmatullahi wa
barakatuh. barakatuh.

Ja
Riyanto
Direktur Utama
President Director
message from the chairman

of sharia supervisory board
sambutan ketua
dewan pengawas syariah
Trust.”Slowly but sure, the Company will be come

famous Islamic bank in this country. The growth that
continously to improve will become a good sign that level of
trust from customer of the Company have increased".
Assalamu’alaikum warahmatullahi Assalamu’alaikum warahmatullahi

wa barakatuh wa barakatuh
Bismillahirohmanirrohim Bismillahirohmanirrohim
Mari kita panjatkan puji syukur ke hadirat Praise is to Allah SWT, because of Allah’s
Allah SWT karena berkat rahmat dan hidayah- blesses, and we could still feel the joy and
Nya kita masih diberi karunia melimpah. Selawat pleasure of life. Shalawat and blessings to
serta salam kita tujukan kepada junjungan nabi prophet, Muhammad SAW, his family and
akhir zaman, Muhammad SAW, beserta keluarga friends.
dan sahabatnya.
Sepanjang 2011, situasi global dan domestik Throughout 2011, the global and domestic
masih diisi dengan suasana ketidakpastian situation was still hit with economical
ekonomi akibat krisis keuangan yang melanda uncertainty resulted by financial crisis that has
AS dan negara-negara di kawasan Eropa pada stricken United State (U.S) and countries in
kurun waktu tiga tahun terakhir. Namun Europe in the last three years. However, we are
demikian, kita bersyukur, dampak krisis grateful that the impact of that financial crisis
keuangan tersebut terhadap perekonomian towards Indonesia’s economy is still relatively
Indonesia relatif rendah. low.
Kendati demikian, peran perbankan syariah di Even though, the role of Islamic banking in this
negeri ini harus terus didorong, baik oleh country should always be supported, both by
pemerintah, regulator perbankan—dalam hal ini the government, banking regulator (in this case
Bank Indonesia (BI), Dewan Syariah Nasional- Central Bank of Indonesia), National Sharia
Majelis Ulama Indonesia (DSN-MUI), maupun Board-Indonesian Council of Ulema, and also by
para pelakunya. Regulasi yang diterbitkan its components. Regulations that were
sedapat mungkin bisa menciptakan suasana published should be able to create a truly
yang benar-benar kondusif bagi industri conducive situation for Islamic banking industry
perbankan syariah di Tanah Air. in the nation.
Secara umum, perkembangan perbankan syariah Generally, the development of Islamic banking in
pada 2011 cukup bagus. Keadaan tersebut 2011 was pretty good. This situation in practice
dalam praktiknya mampu dimanfaatkan dengan was able to be leveraged well by the Company,
baik oleh Perseroan sehingga dapat tumbuh so it could grow well too. In a relatively short
dengan baik pula. Dalam waktu yang relatif time, the Company manage to be exist in the
singkat, Perseroan dapat eksis di kancah industri national Islamic banking industry. That fact can
perbankan syariah nasional. Kenyataan tersebut be observed from the Company’s performance
dapat dilihat dari indikator kinerja Perseroan indicator that keeps improving and the
yang terus membaik dan meningkat serta achievement of several prestigious awards from
perolehan berbagai penghargaan prestisius dari credible parties in the national Islamic banking.
pihak-pihak yang kredibel di industri perbankan
syariah nasional.
Ke depan, kami selaku DPS Perseroan In the future, we, as the Sharia Supervisory
optimistis, Perseroan dapat menjadi salah satu Board of the Company is optimistic that the
pemain utama di industri perbankan syariah Company will be able to be one of the main
MESSAGE FROM THE CAHIRMAN OF SHARIA SUPERVISORY BOARD
36 Sambutan Ketua Dewan Pengawas Syariah
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
nasional. Perlahan tapi pasti, Perseroan akan players in the nation’s Islamic banking industry.
menjadi bank syariah terkemuka di negeri ini. Slowly but sure, the Company will be the
Pertumbuhan yang terus membaik dewasa ini leading Islamic bank in this country. The growth
dapat menjadi pertanda bahwa tingkat that keeps improving lately can be the indicator
kepercayaan segenap nasabah Perseroan that the level of trust of the Company’s
semakin meningkat. consumers is continuously increasing.
Di lain sisi, potensi dan perkembangan usaha On the other side, the potential and
Perseroan sangat terbuka. Apalagi dengan development of the Company’s business is
dukungan yang kuat dari seluruh pemilik modal wide open, especially with the strong support
dan para mitra usaha. Misalnya, dengan from the whole capital owners and partners.
terciptanya ikatan emosional yang kuat dengan For instance, with the creation of deep
Muhammadiyah yang notabene merupakan salah emotional bond with Muhammadiyah as one of
satu organisasi Islam yang besar di Tanah Air. the big Islamic organization in the country.
Selain adanya penempatan dana Besides the placement of Muhammadiyah
Muhammadiyah, ke depan tentu masih ada funds, in the future there are still opportunity to
potensi untuk memperbesar kerja sama di magnify the cooperation in other fields of
bidang ekonomi lainnya. economy.
Sebagai bagian dari perjalanan bisnis dan As part of the Company’s business journey and
pertumbuhan Perseroan, sepanjang 2011, kami growth, we as the Sharia Supervisory Board of
selaku DPS Perseroan telah menjalankan tugas the Company has done a pretty good job
dengan cukup baik. throughout 2011.
Sepanjang 2011, kami terus mendukung upaya Throughout 2011, we keep on supporting the
manajemen untuk mengembangkan usaha management efforts to expand the Company’s
Perseroan, seperti pendirian beberapa cabang business, for instance the establishment of
baru. Selain itu, kami sampaikan pula bahwa several new branches. In addition, we also
selama 2011 komunikasi yang dibangun antara convey that the communication that is built
DPS Perseroan dengan manajemen Perseroan between the Sharia Supervisory Board of the
berjalan baik. Company with the Company’s management
throughout 2011 was going pretty well.
Intinya, dari perspektif pengawasan tidak ada hal The point is, in the perspective of monitoring,
yang fundamental. Selama 2011, kami tetap there isn’t any fundamental trouble. Throughout
memantau dan memastikan praktik usaha dan 2011, we keep monitored and ensured that the
produk serta layanan yang diberikan Perseroan business practice and the products and
sesuai dengan fatwa DSN-MUI. Hal-hal yang services that were given by the Company was
demikian harus terus-menerus diperhatikan in accordance with the fatwa of National Sharia
secara saksama oleh manajemen dan segenap Board-Indonesian Council of Ulema. These
karyawan Perseroan. Tidak hanya di kantor principals need to be monitored carefully by the
pusat, tapi juga di kantor cabang yang tersebar management and all of the Company’s
di sejumlah wilayah. employees. Not only in the head office, but also
in the branch offices that are spread on several
areas.
Terkait dengan tidak adanya perangkat DPS Related to the absence of the Sharia
Perseroan hingga ke bawah dalam melakukan Supervisory Board downwards in doing the
pengawasan, dalam menjalankan tugasnya DPS monitoring, in doing its job the Sharia
Perseroan melakukan pengawasan secara Supervisory Board always did a random
random. Walau tidak ada permasalahan monitoring. Even though there are no
fundamental dari segi kepatuhan terhadap fundamental trouble from the side of obedience
kesyariatan, kami berharap, ada peningkatan to the sharia, we hope there will be work ethic
kinerja dari tahun ke tahun. improvement from year to year.
Akhir kata, kepada Dewan Komisaris, Direksi, In the end, to the Board of Commissioner, the
dan segenap karyawan Perseroan, kami Board of Directors, and all of the employees of
berpesan untuk bekerja lebih maksimal dan the Company, we instruct the Company to work
tunaikan kewajiban dengan sebaik-baiknya. Satu even harder and carry out their obligation well.
hal yang perlu terus dipahami adalah prinsip One thing that need to be understand is that
syariah tidak hanya diterapkan dalam produk the sharia principal is not only implemented in
dan layanan perbankan yang diberikan kepada the banking products and services we give to
nasabah, tapi juga dalam perilaku kita sehari- our consumers, but also in our daily behavior.
hari.
Dengan demikian, apa yang dikerjakan memiliki Thus, what we are doing have more valueable
nilai lebih dan menjadi amal yang akan and will be a good deed that will be accounted
diperhitungkan pada hari akhir nanti. Kami ingin, for on our last day. Hopefully, the Company’s
segenap keluarga besar Perseroan dapat terus big family can maintain its progress and its
memelihara momentum pertumbuhan bisnis dan business growth momentum that has been
kemajuan yang telah dicapai, dan terus made, and keep on trying to make continuous
mengupayakan peningkatan yang berkelanjutan. improvements.
Wabilahit-taufiq walhidayah Wa billahit-taufiq wal-hidayah

Wassalamu’alaikum warahmatullahi Wassalamualaikum wa rahmatullahi wa
wabarakatuh barakatuh.

Prof. DR. H.M. Din Syamsuddin, M.A.

Ketua Dewan Pengawas Syariah
Sharia Supervisory Board Chairman
macro economic & financial highlight

tinjauan makro ekonomi dan keuangan
Precise."Efforts conducted by the Company throughout 2011 has

precisely proved in encouraging the growth of assets, financing, fund
raising, and increased profits".
Kendati kondisi ekonomi global mengalami Despite the global economic situation that
tekanan akibat krisis utang Amerika Serikat (AS) face deep pressure due to the debt crisis of the
dan Eropa, perekonomian nasional tetap United States (U.S.) and Europe, the national
bergerak sesuai dengan harapan para pelaku economy continue to rise move along with the
industri keuangan di Tanah Air. Kinerja expectations of the financial industry in the
perekonomian nasional yang terus membaik country. The improvement of national economic
tersebut diakui oleh lembaga rating internasional. performance has been recognized by
Terbukti dengan dilakukannya upgrading international rating agencies. It was proven by
peringkat sovereign Indonesia dari BB+ menjadi the upgrading Indonesia’s sovereign rating from
BBB- oleh lembaga pemeringkat internasional, BB + to BBB- by the international rating
Fitch Rating, pada akhir 2011. agency, Fitch Ratings, at the end of 2011.
Upgrade yang dilakukan Fitch Rating Fitch Ratings upgrades was conducted based
berdasarkan pada peningkatan kinerja on improvement on economic performance, a
perekonomian, likuiditas eksternal yang lebih stronger external liquidity, the low ratio of
kuat, rasio public debt yang rendah dengan tren public debt with a trend that continues to
yang terus menurun, serta kebijakan makro yang decline, and the policy of prudent macro. The
berhati-hati. Kenaikan peringkat tersebut increase was led Indonesia ranked in the
mengantarkan Indonesia masuk dalam kategori category of investment grade. Thus, private or
investment grade. Dengan demikian, utang government debt is considered to have
pemerintah ataupun swasta dianggap memiliki relatively low risk of default.
risiko yang relatif rendah untuk gagal bayar.
Hasil pencapaian kinerja ekonomi nasional Achievement of national economic performance

tersebut semakin membuka peluang Indonesia raises the possibility that Indonesia become an
menjadi negara tujuan investasi. Apalagi, kinerja investment destination. Moreover, the
perekonomian nasional tersebut dicapai di performance of the national economy is
tengah upaya negara-negara maju melakukan achieved in the middle of an efforts in
perbaikan terhadap kondisi ekonomi mereka. improving economic condition in development
countries.
Sepanjang 2011, perekonomian Indonesia Throughout 2011, Indonesia’s economy grew

tumbuh cukup baik, yakni sebesar 6,5%; rasio quite well, namely by 6.5%, the ratio of debt to
utang terhadap produk domestik bruto (PDB) gross domestic product (GDP) stands at 26%
berada pada angka 26%; dan defisit anggaran and the budget deficit under 2.5% rate. Other
berada di bawah angka 2,5%. Indikator ekonomi economic indicators of the national economy
lainnya juga mendukung kinerja positif ekonomi also support the positive performance. Among
nasional. Di antaranya, laju inflasi yang cukup others are, the inflation rate is quite low, equal
rendah, yakni sebesar 3,79%, dengan nilai tukar to 3.79%, with the exchange rate which
rupiah yang terjaga pada kisaran Rp8.779 per maintained in the range of Rp8.779 per US$
US$ dan hanya mengalami depresiasi sebesar and only depreciated by 0.81% against the U.S.
0,81% terhadap dolar AS. dollar.
Kinerja positif juga berhasil dicetak pasar modal Positive performance also successfully
nasional. Meskipun Indeks Harga Saham achieved in the national capital market.
MACRO ECONOMIC & FINANCIAL HIGHLIGHT
40 Tinjauan Makro Ekonomi & Keuangan BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Gabungan (IHSG) sempat mengalami penurunan Although the Stock Exchange Index Composite
tajam pada Agustus dan September 2011, (SEIC) had declined sharply in August and
perlahan IHSG berhasil rebound dan pada akhir September 2011, SEIC slowly managed to
2011 ditutup pada angka 3.821. IHSG pada 2011 rebound by the end of 2011 and closed at
juga sempat mencapai titik tertinggi, yakni di 3,821 points. SEIC in 2011 had also reached its
atas 4.000. Pada 2011 Bursa Efek Indonesia highest point, which is above 4,000. In 2011
(BEI) pun tercatat sebagai salah satu bursa Indonesia Stock Exchange (IDX) was listed as
paling atraktif di Asia. one of the most attractive markets in Asia.
Sejalan dengan perbaikan pertumbuhan ekonomi In line with improved growth of the economy
dan pasar modal nasional, sektor perbankan juga and national capital markets, banking sector
mencatat pertumbuhan yang cukup baik. Hingga has also record good growth. Until the end of
akhir Desember 2011, pembiayaan dan December 2011, financing and the collection of
penghimpunan DPK secara year on year (yoy) third party funds (DPK) year-on-year (yoy)
masing-masing mengalami pertumbuhan sebesar respectively grew by 24.59% and 19.07%
24,59% dan 19,07% dibandingkan dengan compared to the same period in 2010. As of
periode yang sama 2010. Per Desember 2011 December 2011 the national banking had net
perbankan nasional berhasil membukukan laba profit of Rp97.07 trillion, or grew by 27.49%
bersih sebesar Rp97,07 triliun atau tumbuh from the same period on the previous year.
sebesar 27,49% dari periode yang sama tahun
sebelumnya.
Dari sisi permodalan, rasio kecukupan modal In terms of capitalization, capital adequacy ratio
atau CAR perbankan pada Desember 2011 masih or CAR on December 2011 was still in certitude
di atas ketentuan, yakni sebesar 16,05%. Pada position, which equal to 16.05%. In the same
periode yang sama, LDR perbankan cenderung period, loan to deposit ratio (LDR) banks tend
meningkat, yaitu menjadi 78,77% dari periode to increase, rise to become 78.77% from the
sebelumnya yang sebesar 75,21%. Rasio kredit previous period which is 75.21%. The ratio of
bermasalah NPL gross perbankan juga semakin banking nonperforming loans (NPL) gross also
membaik, yakni sebesar 2,17%. Pada periode improved, which equal to 2.17%. In the same
yang sama tahun sebelumnya, NPL perbankan period on the previous year, banking NPL stood
tercatat sebesar 2,56%. at 2.56%.
Perkembangan Industri The development of Islamic Banking

Perbankan Syariah Industry
Sejumlah kinerja positif berhasil diraih industri A number of positive performance achieved by
perbankan syariah. Hingga akhir 2011, jumlah the Islamic banking industry. By the end of
BUS mencapai 11 bank dan jumlah UUS 2011, the number of Islamic Commercial Bank
mencapai 24 UUS. Demikian pula dengan bank (BUS) has reached 11 banks and the number of
pembiayaan rakyat syariah (BPRS) yang Sharia Business Unit (UUS) has reached 24
jumlahnya mencapai 155. UUS. Not to mention Sharia Rural Bank (BPRS)
which reach an amount of 155.
Kontribusi positif ditunjukkan volume usaha Positive contribution was demonstrated by the
perbankan syariah. Pada 2011 volume usaha number of Islamic banking business volume. In
perbankan syariah mengalami pertumbuhan yang 2011 the Islamic banking business volume has
cukup tinggi, yakni 49,17% atau menjadi sebesar grown quite high, which has reached 49.17% or
Rp145,47 triliun dari Rp97,52 triliun pada akhir to become Rp145.47 trillion from Rp97.52
2010. Market share perbankan syariah nasional trillion by the end of 2010. National Islamic
pun meningkat menjadi 4% pada akhir 2011. banking market share was increased to become
4% by the end of 2011.
Tingginya pertumbuhan volume usaha tersebut The high growth in business volume was
diikuti dengan pertumbuhan positif pada pem- followed by positive growth in the financing and
biayaan dan DPK perbankan syariah nasional Islamic banking deposits nationwide respectively
yang pada 2011 masing-masing tumbuh sebesar in 2011 grew by 50.56% and 51.79% or in
50,56% dan 51,79% atau secara nominal nominal terms each of it has reached Rp102.66
masing-masing mencapai Rp102,66 triliun dan trillion and Rp115.42 trillion. From the
Rp115,42 triliun. Dari komposisinya, pembiayaan composition, murabahah financing still
akad murabahah masih mendominasi, yakni dominates, by 54.91%.
sebesar 54,91%.
Secara umum, beberapa indikator rasio In general, several indicators of financial ratios
keuangan perbankan syariah per Desember 2011 of Islamic banking per December 2011 has also
juga tergolong baik. Antara lain, CAR perbankan quite good. Among others, the Islamic banking's
syariah mencapai 15,37%, non performing CAR has reached 15.37%, non-performing
financing (NPF) 2,52%, dan financing deposit financing (NPF) 2.52%, and financing deposit
ratio (FDR) 91,41%. ratio (FDR) 91.41%.
Tinjauan Keuangan Financial Review
Kinerja Perseroan menunjukkan perkembangan The Company’s performance has shown

yang sejalan dengan pertumbuhan dan developments in line with the growth and
perkembangan industri perbankan syariah development of a national Islamic banking
nasional. Upaya-upaya yang dilakukan Perseroan industry. The efforts made by the Company has
terbukti tepat dalam mendorong pertumbuhan a proven track record to boost up asset growth,
aset, pembiayaan, penghimpunan dana, dan financing, fund raising, and increase profits.
peningkatan laba.
Kinerja Perseroan yang baik pada 2010 terus The Company’s good performance in 2010 still
berlanjut pada 2011. Pertumbuhan usaha continue in 2011. The Company’s business
Perseroan sangat pesat. Volume usaha, growth is very rapid throughout 2011. Volume of
pembiayaan, dan DPK masing-masing tumbuh business, financing, and third party fund has
sebesar 24,43%, 18,95%, dan 41,30%. CAR grew by 24.43%, 18.95% and 41.30%. The
Perseroan mencapai 15,29%, naik 3,78% dari Company’s CAR has reached 15.29%, up 3.78%
tahun sebelumnya yang 11,51%. Pada 2011 laba from 11.51% on the previous year. In 2011 net
bersih Perseroan mengalami pertumbuhan profit had grew significantly, which has reached
signifikan, yakni sebesar 19,30%. the amount of 19.30%.
Kinerja Perseroan yang semakin membaik Good performance of the Company’s was the
merupakan hasil kerja keras seluruh karyawan result of hard work from all employees with the
dengan dukungan penuh dari manajemen. Tak full support of management. But moreover, the
kalah penting, pencapaian usaha yang baik achievement of good business was not
tersebut tidak lepas dari dukungan dan separated from the support and trust from all
kepercayaan segenap nasabah dan stakeholders customers and stakeholders of the Company.
Perseroan.
Aset Asset
Pada 31 Desember 2011 Perseroan berhasil On December 31, 2011 the Company managed
membukukan kenaikan volume usaha sebesar to increase business volume by 24.43% to
24,43% menjadi Rp2,730 triliun dari Rp2,194 Rp2.730 trillion from Rp2.194 trillion at the same
triliun pada periode yang sama tahun period from the previous year. The increase in
sebelumnya. Kenaikan volume usaha tersebut volume of business could not be separated from
tidak lepas dari pencapaian laba bersih the achievement of the Company’s net income,
Perseroan, yang pada akhir 2011 mengalami which at the end of 2011 has grew by 19.30%,
pertumbuhan sebesar 19,30%, dari sebesar from Rp10.23 trillion to Rp12.21 trillion in 2011.
Rp10,23 triliun menjadi Rp12,21 triliun pada Compare with the whole business volume of
2011. Jika dibandingkan dengan volume usaha Islamic banking industry has reached Rp149
industri perbankan syariah secara keseluruhan trillion, the market share of the Company’s
yang mencapai Rp149 triliun, pangsa pasar aset assets to total assets of Islamic banking industry
Perseroan terhadap total aset industri perbankan in 2011 has reached 1.83%.
syariah pada 2011 mencapai 1,83%.
Perbandingan Aset PT Bank Syariah Bukopin (BSB) dan Aset Industri Perbankan Syariah
PT Bank Syariah Bukopin (BSB) Assets Compare to Islamic Banking Industry Assets
Aset BSB ∆ (%) Industri ∆(%) Pangsa terhadap industri (%)

Assets BSB Industry Market share againts to Industry (%)
2009 1,975 225,88 66,090 33,37 2,99
2010 2,194 11,09 97,519 47,55 2,25
2011 2,730 24,43 149,000 52,79 1,83
Sumber: diolah kembali dari berbagai sumber. Source: reprocess from other sources.
*Dalam triliun rupiah *In trillion rupiah
Peningkatan volume usaha tersebut tak lepas The increased of business volume was not
dari langkah strategis yang ditempuh Perseroan. separated from the strategic steps taken by the
Di antaranya, kerja sama PPOB dengan PT PLN, Company. Among other things, work together
optimalisasi dan perluasan jaringan outlet, dan with PT PLN by doing PPOB, network
penyempurnaan produk serta skim pembiayaan optimization and expansion of outlets, and
iB Mobil pola channeling melalui perusahaan improvement of products and financing
pembiayaan (multifinance). schemes of iB Car by channeling patterns
through finance companies (multifinance).
Strategi tersebut juga diikuti dengan penunjukan The strategy also followed by the appointment
Perseroan sebagai Lembaga Keuangan Syariah- of the Company as an Islamic Financial
Peserta Wakaf Uang (LKS-WU) dan penetapan Institutions-Endowments Money Participant
Perseroan sebagai Bank Penerima Setoran-Biaya (LKS-WU) and the Company appointment as
Penyelenggaraan Ibadah Haji (BPS-BPIH) oleh Bank Beneficiary on Deposit-Hajj Operation
Kementerian Agama Republik Indonesia. Costs (BPS-BPIH) by the Ministry of Religious
Affairs of the Republic of Indonesia.
Perbaikan secara signifikan terhadap kinerja Significant improvement on the performance of

Perseroan secara keseluruhan terbukti mampu the Company as a whole proved to cultivate an
menumbuhkan sikap optimistis seluruh karyawan optimistic attitude of the Company’s employees
dan jajaran direksi untuk dapat mencapai kinerja and the Board of Directors to be able achieved
yang baik pada 2011. good performance in 2011.
Pembiayaan Financing
Sebagai ujung tombak bisnis perbankan syariah, As the cutting edge of the Islamic banking
pembiayaan sangat diharapkan dapat business, financing was expected to contribute
memberikan kontribusi yang signifikan terhadap significantly to the sustainability of the
keberlanjutan usaha Perseroan. Pada 2011 Company’s business. In 2011 financing has
pembiayaan terbukti mampu tumbuh dengan proved to grow well. Financing provided by the
baik. Pembiayaan yang diberikan Perseroan Company has grew from 18.95% to Rp1.917
tumbuh 18,95% menjadi Rp1,917 triliun pada 31 trillion at December 31, 2011 from Rp1.612
Desember 2011 dari Rp1,612 triliun pada trillion at the same period last year.
periode yang sama tahun sebelumnya.
Peningkatan pembiayaan tersebut pada Financing improvement was basically a result

dasarnya merupakan hasil implementasi from the Company’s implementation of
sejumlah langkah strategis Perseroan dalam strategic measures in the field of finance.
bidang pembiayaan. Di antaranya, fokus pada Among others, focus on the development
pengembangan UMKM; penyaluran pembiayaan micro, small and medium enterprises (MSMEs);
ke sektor-sektor usaha potensial dan memiliki financing channel to potential business sectors
kinerja baik; pembiayaan kepada stakeholder and have a good performance; financing to
melalui club deal; pembiayaan khusus stakeholders through a club deal; special
multifinance. financing to multifinance.
Dari sisi pembiayaan, market share Perseroan In terms of financing, the Company’s market
terhadap industri perbankan syariah mencapai share of Islamic banking industry has reached
1,83%. Pada akhir 2011 total pembiayaan yang 1.83%. At the end of 2011, total financing
diberikan industri perbankan syariah sebesar provided by the Islamic banking industry was
Rp105 triliun, sementara pembiayaan yang Rp105 trillion, while financing provided by the
diberikan Perseroan sebesar Rp1,917 triliun. Company was Rp1. 917 trillion. With the
Dengan peluang dan pasar syariah yang masih opportunities and the market for sharia is still
terbuka lebar, ke depan Perseroan akan wide open, in the future the Company will seek
berupaya meningkatkan porsi pembiayaan to increase the share of financing through wider
melalui strategi dan penetrasi pasar yang lebih market penetration strategies.
luas lagi.
Perbandingan Pembiayaan PT Bank Syariah Bukopin (BSB) dan Pembiayaan

Industri Perbankan Syariah
PT Bank Syariah Bukopin (BSB)’s and Financing Compare
to Islamic Banking Industry’s Financing
Pembiayaan BSB ∆(%) Industri ∆(%) Pangsa terhadap industri (%)

Financing BSB Industry Market share againts to Industry (%)
2009 1,280 673,93 46,886 22,75 2,73
2010 1,612 25,94 68,181 45,42 2,36
2011 1,917 18,95 105,000 54,4 1,83
Pertumbuhan pembiayaan yang dicapai The financing growth of 18.95% achieved by

Perseroan sebesar 18,95% pada 2011 memang the Company in 2011 was lower than the growth
lebih rendah daripada pertumbuhan pembiayaan of financing in 2010 which amounted to 25.94%.
pada 2010 yang sebesar 25,94%. Namun, yang However, most importantly, in achieving those
terpenting, dalam mencapai pertumbuhan growth the Company’s continue to apply
tersebut Perseroan senantiasa menerapkan corporate governance principles, prudential
prinsip tata kelola perusahaan, asas kehati- banking principle, and risk management in every
hatian (prudential banking), dan manajemen operational technical and decision-making in the
risiko di setiap teknis operasional serta field of financing.
pengambilan keputusan di bidang pembiayaan.
Melalui pengelolaan risiko yang semakin baik Through better and scalable risk management,
dan terukur, Perseroan pada akhirnya berhasil the Company finally managed to improve the
meningkatkan kualitas pembiayaan yang quality of financing provided and also lowering
diberikan sekaligus menekan rasio pembiayaan the ratio of non performing financing or NPF. By
bermasalah terhadap total pembiayaan atau the end of 2011 the Company able to suppress
NPF. Pada akhir 2011 Perseroan mampu the NPF to become 1.74%.
menekan NPF hingga menjadi 1,74%.
Keterangan 2011 2010 Item
Berdasarkan Jenis By Tipe

Modal Kerja 840.518.453.769 708.175.056.575 Working capital
Investasi 704.956.726.014 710.332.695.189 Investment
Konsumsi 369.159.882.241 190.681.032.561 Consumption
Pembiayaan pihak lainnya 2.943.569.135 2.584.587.494 Financing to other party
Total pembiayaan 1.917.219.649.518 1.611.733.371.819 Total financing
Penyisihan penghapusan pembiayaan (26.441.761.919) (23.388.896.660) Allowance for possible losses
Total Pembiayaan bersih 1.917.219.649.518 1.588.384.475.159 Total financing-nett
Berdasarkan Sektor Ekonomi By Economic Sector

Pertanian 21.101.998.884 29.018.084.782 Agriculture
Pertambangan 445.200.000 2.262.974.636 Mining
Manufactur 20.738.575.869 22.725.798.652 Manufacture
Tenaga Listrik 21.379.996.854 33.503.309.822 Electricity
Konstruksi 288.069.025.487 198.374.683.436 Construction
Perdagangan 376.712.445.239 307.328.291.898 Trading
Transportasi 157.062.234.294 266.296.104.734 Transportation
Jasa Dunia Usaha 406.983.209.481 357.500.674.220 Business services
Jasa Sosial 227.984.665.048 204.824.299.343 Social services
Lain-lain 396.742.298.362 189.939.150.295 Others
Total Pembiayaan 1.917.219.649.518 1.611.773.371.819 Total financing
Penyisihan penghapusan pembiayaan (26.441.761.919) (23.388.896.660) Allowance for possible losses
Total Pembiayaan yang diberikan-bersih 1.917.219.649.518 1.588.384.475.159 Total financing -nett
Penghimpunan Dana Collecting Fund
Melalui sejumlah langkah strategis yang Through a number of strategic steps that has
ditempuh sepanjang 2011, DPK yang dihimpun been taken throughout 2011, third party funds
Perseroan mengalami pertumbuhan signifikan, that has been collected by the Company
yakni sebesar 41,30% dari Rp1,622 triliun pada experienced significant growth, which amounted
31 Desember 2010 menjadi Rp2,292 triliun pada to 41.30% from Rp. 1.622 trillion at December
31 Desember 2011. Hingga akhir 2011, market 31, 2010 to Rp2.292 trillion at December 31,
share total DPK Perseroan terhadap total DPK 2011. Until late 2011, the Company’s market
industri perbankan syariah nasional mencapai share of total deposits from total deposits of
1,94%. Ke depan Perseroan akan terus berusaha national Islamic banking industry has reached
memperbesar pangsa pasar DPK terhadap DPK 1.94%. In the future the Company will continue
industri perbankan syariah nasional. to enlarge the market share of deposits from the
national Islamic banking industry deposits.
Perbandingan DPK PT Bank Syariah Bukopin (BSB) dan Industri Perbankan Syariah
PT Bank Syariah Bukopin (BSB)’s Third Party Fund Compare to Islamic Banking Industry’s Third Party Fund
DPK BSB ∆(%) Industri ∆(%) Pangsa terhadap industri (%)

3rd Party Fund BSB Industry Market share againts to Industry (%)
2009 1,272 552,31 52,271 41,48 2,43

2010 1,622 27,52 76,036 45,46 2,13
2011 2,292 41,30 118,000 55,19 1,94
Kenaikan DPK secara signifikan tersebut, The significant rise of third party funds was
kontribusi terbesarnya dihasilkan dari giro contributed mostly from wadiah giro, wadiah
wadiah, tabungan wadiah, dan tabungan savings, and mudharabah savings, which in
mudhrabah, yang pada 2011 masing-masing 2011 each increased by 7.25%, 15.8%, and
mengalami kenaikan sebesar 7,25%, 15,8%, dan 99.7%. The significant increase from third party
99,7%. Peningkatan DPK yang signifikan itu funds was an expression of the success
merupakan wujud keberhasilan strategi, strategy, business breakthroughs, and improving
terobosan bisnis, dan membaiknya kualitas the quality of the Company’s services performed
layanan yang dilakukan Perseroan di bidang in the field of collecting public funds,
penghimpunan dana masyarakat, khususnya particularly in extracting the sources of
pada penggalian sumber-sumber dana murah. inexpensive funds. The Company's strategic
Langkah strategis yang dilakukan Perseroan dari move in terms of funding was the effort to
sisi funding di antaranya adalah upaya enlarge the low-cost funding sources and
memperbesar porsi sumber dana murah dan development of retail funding product (savings
pengembangan produk funding ritel (tabungan and time deposits), which among others was
dan deposito) yang antara lain dilakukan melalui done by promotion program saving products.
program promosi produk-produk simpanan.
Dana Pihak Ketiga

Third Party Funds
Giro Giro
Giro wadiah 102.965.714.420 95.501.632.957 Wadiah current accounts
Giro umum General current accounts
Pihak terkait - - Related parties
Pihak ketiga 86.159 592.504 Third parties
Tabungan Saving accounts
Tabungan wadiah Wadiah saving accounts
Pihak terkait 2.315.744.727 2.252.240.120 Related parties
Pihak ketiga 204.589.414.743 172.330.288.584 Third parties
Tabungan mudharabah Mudharabah saving accounts
Pihak terkait 461.086.656 17.074.881 Related parties
Deposito Time deposit
Deposito mudharabah Mudharabah time deposit
Pihak ketiga 1.914.814.265.702 1.304.348.046.771 Third parties
JUMLAH 2.291.737.724.902 1.621.913.387.703 Total
Permodalan Capital
Dari sisi permodalan, pada akhir 2011 posisi From the capital side, at the end of 2011 the
modal Perseroan mengalami peningkatan. Modal Company’s capital position increased. Core
inti Perseroan pada 31 Desember 2011 tercatat capital of the Company on December 31, 2011
sebesar Rp231,635 miliar atau meningkat amounted to Rp231.635 billion or increased by
sebesar 95,47% dari Rp118,498 miliar pada 31 95.47% from Rp118.498 billion as of December
Desember 2010. 31, 2010.

Modal Inti 231.635 118.498 Core capital
Modal Pelengkap 70.224 66.913 Complementary capital
Jumlah Modal 301.859 185.411 Total capital
Jumlah Aktiva Tertimbang Menurut Resiko (ATMR) 1.973.954 1.611.475 Total Risk Weighted Assets
Rasio Kewajiban Penyediaan Modal 15,29% 11,51% Capital Adequacy Ratio
Minimum yang Tersedia
Rasio Kewajiban Penyediaan Modal 8,00% 8,00% Required Capital Adequacy Ratio
Minimum yang Diwajibkan
Laba Rugi Profit and Loss
Pada akhir 2011 pendapatan Perseroan At the end of 2011 the Company’s revenue
mengalami peningkatan sebesar Rp22,15 miliar increased by Rp22.15 billion or grew 9.93% to
atau tumbuh 9,93% menjadi Rp 245,31 miliar become Rp245.31 billion from Rp223.16 billion
dari Rp223,16 miliar pada akhir 2010. Dari by the end of 2010. Of such income, in 2011,
peningkatan pendapatan tersebut, pada 2011 the Company has recorded a net profit increase
Perseroan berhasil membukukan kenaikan laba of Rp1.98 billion or an increase of 19.30% to
bersih sebesar Rp1,98 miliar atau mengalami become Rp12.209 billion from Rp10.234 billion
peningkatan sebesar 19,30% menjadi Rp12,209 by the end of 2010.
miliar dari Rp10,234 miliar pada akhir 2010.
Pencapaian tersebut tak lepas dari sejumlah The achievement was not separated from a
langkah strategis yang ditempuh Perseroan dari number of strategic steps taken by the
sisi bisnis pasca-spin-off UUS PT Bank Company from the business side of the post-
Bukopin, Tbk ke Perseroan dan implementasi spin-off Sharia Busines Unit of PT Bank
kebijakan-kebijakan strategis yang ditempuh Bukopin, Tbk into the Company and the
Perseroan, baik dari sisi kegiatan penghimpunan implementation of strategic policies pursued by
dana maupun pembiayaan. the Company, both in terms of fund raising and
financing activities.
Laporan Laba Rugi/Income Statement (Loss)

Dalam Rupiah/In Rupiah

Jumlah pendapatan operasi utama 211.711.438.841 198.406.443.095 Total main operating income
Jumlah beban operasi utama 143.623.128.044 127.572.221.386 Total main operating expenses
Jumlah pendapatan (beban) - bersih 68.088.310.797 70.834.221.709 Total income (expenses)-net
Pendapatan operasional lainnya 33.594.520.304 24.748.884.516 Other operating income
Jumlah beban operasional lainnya 86.615.672.643 81.229.390.133 Other operating expenses
Pendapatan (beban) operasional lainnya (53.021.152.339) (56.480.505.617) Other operating income (expenses)
Laba (rugi) operasional 15.067.158.458 14.353.716.092 Operating income (losses)
Pendapatan (beban) non operasional - bersih (45.439.150) 565.619.054 Non operating income (expenses)-net
Laba (rugi) sebelum pajak penghasilan badan 15.021.719.308 14.919.335.146 Income (losses) before company income tax
Pajak tangguhan (927.331.602) (4.685.191.954) Deferred taxes
Jumlah pajak (2.812.884.102) (4.685.191.954) Total taxes
Laba (rugi) bersih 12.208.835.206 10.234.143.192 Net income (losses)
business highlight
tinjauan bisnis
Potential. “A number of strategies and business

development programs were already implemented to
support achievement of business targets and
accelerate business growth of the Company in 2011”.
Iklim usaha sektor riil yang membaik selama The real sector of the business climate
2011 yang ditopang oleh kondisi makro-ekonomi improved during 2011, which is supported by the
nasional yang makin baik berdampak positif better national macro-economic conditions that
terhadap perkembangan industri perbankan has positive impact on the development of a
syariah nasional, khususnya Perseroan. national Islamic banking industry, particularly the
Company.
Dalam upaya mendukung pencapaian target In an effort to support the achievement of

bisnis dan mengakselerasi pertumbuhan bisnis business targets and accelerate the Company
Perseroan, pada 2011 telah diimplementasikan business growth, in 2011, the Company has
sejumlah strategi dan program pengembangan implemented a number of strategies and
bisnis. Akselerasi bisnis pembiayaan, penghim- business development programs. Acceleration of
punan dana, serta fee based income pada business financing, fund collection, and also fee-
sektor-sektor usaha potensial tetap menjadi based income on potential business sectors
fokus utama untuk mencapai sasaran dan target remaind the main focus to achieve business
bisnis yang telah ditetapkan Perseroan. objectives and targets established by the
Company.
Dari sisi penghimpunan dana, Perseroan terus From the fund collection side, the Company
berupaya melakukan inovasi produk dana dan continue to innovate funding products and
memperluas jaringan layanan, yang diutamakan expand the network service, the improvement
pada peningkatan sumber dana murah dan ritel. mostly to the source of inexpensive funds and
Sedangkan, untuk bisnis pembiayaan, selain retail. While, for financing business, besides
fokus pada pembiayaan sektor-sektor prospektif focusing on prospective sectors of financing and
serta potensial UMKM, Perseroan berperan aktif the potential of micro, small and medium
dalam mengembangkan sistem dan jaringan enterprises (MSMEs), the Company is actively
delivery channel dengan menjalin kerja sama involved in developing systems and network
dengan PT Bank Bukopin, Tbk. delivery channel to establish cooperation with PT
Bank Bukopin Tbk.
Perseroan juga sangat menyadari peran penting The Company has also very aware of the
dukungan bisnis cabang. Untuk mengakselerasi important role of business branch support. To
bisnis cabang, Perseroan mengubah struktur accelerate the branch business, the Company
organisasi pada Divisi Pengembangan dan has changed the organizational structure in the
Supervisi Bisnis. Kemudian dipecah menjadi dua Branch Supervision Business and Develpment
divisi yang berbeda yaitu Divisi Pengembangan Division. And then, has been dispart into two
Produk dan Divisi Supervisi Bisnis dan Fee distinct divisions, namely Product Development
Based. Perubahan struktur organisasi tersebut Division and Fee Based and Business
menegaskan posisi Divisi Pengembangan Produk Supervision Division. Changes in organizational
agar lebih fokus pada pengembangan produk structure confirms the position of Product
untuk mendukung kebijakan dan langkah Development Division in order to become more
strategis Direktorat Bisnis, serta Divisi Supervisi focus on product development to support policy
Bisnis melakukan supervisi dan monitoring and strategic steps of Business Directorate, and
kinerja bisnis Perseroan. Business Supervision Division to monitoring and
supervise the Company’s business performance.
BUSINESS HIGHLIGHT
50 Tinjauan Bisnis BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Bisnis Pembiayaan Financing Business
Pengembangan bisnis pembiayaan Perseroan, The development of the Company financing

baik dalam jangka pendek, menengah, maupun business, both in the short, medium and long
panjang, difokuskan ke sektor UMKM, non- term, focused on the MSMEs sector, non-
UMKM, dan konsumsi yang menyasar delapan MSMEs, and consumption which targeting to
segmen bisnis utama, yaitu telekomunikasi, eight major business segments, namely
pendidikan, kesehatan, minyak dan gas (migas), telecommunications, education, health, oil and
transportasi, pariwisata, konstruksi, serta gas, transport, tourism, construction, and
perdagangan umum. general trade.
Pembiayaan UMKM yang dilakukan Perseroan MSMEs financing has been done with more
lebih ditekankan pada pembiayaan bagi usaha- emphasis on financing for small business, both
usaha kecil, baik di lingkungan badan usaha within state owned enterprises (SOEs), private,
milik negara (BUMN), swasta, Amal Usaha Muhammadiyah Charity Enterprises (AUM), as
Muhammadiyah (AUM), maupun usaha kecil well as other small business with a particular
lainnya dengan segmen usaha tertentu yang measured risks business segment.
risikonya terukur.
Sedangkan, pembiayaan untuk non-UMKM Where as for financing non-MSMEs granted to

diberikan kepada institusi tertentu atau badan certain institutions or enterprises with a
usaha dengan mekanisme sindikasi atau club mechanism of syndicated or club deal.
deal. Pembiayaan konsumsi diberikan kepada Consumption financing provided to end users,
end user, baik individu maupun koperasi, secara to individual or cooperative, either directly or
langsung atau melalui channeling yang bekerja through channeling the work together with
sama dengan perusahaan pembiayaan. multifinance.
Di wilayah DKI Jakarta dan sekitarnya, Perseroan In the Jakarta area and its surroundings, the
menambah 3 (tiga) Divisi Bisnis baru, yaitu Divisi Company added 3 (three) new Business
Bisnis Area III (Jakarta Utara), Area IV (Bekasi Division, the Division of Business Area III (North
dan sekitarnya), dan Area V (Jakarta Barat dan Jakarta), Area IV (Bekasi and surrounding
Tangerang). Penambahan Divisi Bisnis tersebut areas), and Area V (West Jakarta and
dimaksudkan untuk menggali sekaligus Tangerang). The addition of Business Division
mengembangkan pembiayaan di wilayah DKI was intended to explore and develop financing
Jakarta dan sekitarnya yang notabene memiliki in Jakarta and surrounding areas which
potensi besar. Tidak hanya itu, penambahan incidentally has great potential. Not only that,
divisi tersebut juga ditujukan untuk the addition of the division was also intended
mengembangkan bisnis-bisnis yang terkait to develop businesses related to the business
dengan aktivitas usaha Muhammadiyah, activities of Muhammadiyah, especially
terutama bisnis pendidikan dan kesehatan. education and health business.
Sementara itu, Bisnis Cabang yang Meanwhile, the Company developed a Business
dikembangkan Perseroan diarahkan untuk Branch which was directed to develop and
mengembangkan dan memfasilitasi kebutuhan facilitate the financing needs in the sector of
pembiayaan di sektor UMKM dan sektor micro small and medium enterprises (MSMEs)
komersial dengan plafond pembiayaan sampai and commercial sectors to limit financing of up
dengan Rp25 miliar. Sedangkan, untuk to Rp25 billion. Whereas, for financing above
pembiayaan dengan plafond di atas Rp25 miliar, plafond of Rp25 billion, the evaluation process
proses evaluasi dan penyaluran pembiayaannya and the distribution of funding was handled
ditangani langsung oleh Kantor Pusat. directly by the Head Office.
Agar penyaluran pembiayaan yang dilakukan In order to financing distribution done by the
Perseroan lebih terarah dan dapat mengurangi Company could be more focused and could
risiko pembiayaan, pembiayaan kepada reduce the risk of financing, financing to
stakeholder ditempuh melalui kerjasama stakeholder was carried out through joint
pembiayaan club deal, sindikasi disalurkan financing club deal, sindicated channeled to
kepada nasabah-nasabah besar yang membu- large clients who need additional financing and
tuhkan tambahan pembiayaan dan memiliki track has a good track record; such as; to
record yang baik; kepada rekanan seperti; Muhammadiyah Charity Enterprises (AUM).
kepada AUM.
Sepanjang 2011, Perseroan telah Throughout 2011, the Company has developed
mengembangkan beberapa produk di antaranya: several products such as: car iB financing
penyempurnaan skim pembiayaan iB mobil pola scheme improvement channeling pattern to
channeling melalui multifinance, termasuk multifinance, including the development of
pengembangan aplikasi administrasinya. administrative applications.
Sejalan dengan nilai-nilai yang dikembangkan In line with the values developed by the
oleh Perseroan, proses pengembangan bisnis Company, business financing development
pembiayaan selalu dilakukan secara selektif, dan process has always carried out selectively and
prudent sesuai dengan manajemen risiko yang prudent in accordance with implemented risk
telah diimplementasikan. Dengan demikian, management. Thus, any given financing
setiap proses transaksi pembiayaan yang transaction process is always determined and
diberikan selalu terukur dan terarah. directed.
Untuk memperkuat dukungan terhadap bisnis To strengthen the support for the financing
pembiayaan, pada 2011 Perseroan telah business, in 2011, the Company has conducted
melakukan review terhadap Pedoman Kebijakan a review a Financing Policy for Guidelines and
Pembiayaan serta mengeluarkan Pedoman Collaterall Offset and Financing Restructuring
BUSINESS HIGHLIGHT
52 Tinjauan Bisnis BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Restrukturisasi Pembiayaan dan Offset Agunan. Guidelines. Below is the distribution of the
Di bawah ini merupakan distribusi pembiayaan Company's financing undertaken by the scale
yang dilakukan Perseroan berdasarkan skala of the business for two years up to December
bisnis selama dua tahun terakhir sampai dengan 31, 2011.
31 Desember 2011.
Distribusi Pembiayaan/Financing Distribution

(Dalam jutaan rupiah/In million rupiah)
Keterangan 31 Desember 31 Desember Remark

December 31, December 31,
2011 % 2010 %
UMKM (0-10) 1.621.265 84,56 1.319.728 81,88 MSMEs (0-10)

Non UMKM (>10 miliar) 292.955 15,44 292.045 18,12 Non MSMEs (>10 billion)
Total 1.917.220 100 1.611.773 100 Total
Untuk mendukung proses pengembangan bisnis To support the development of business

pembiayaan, Perseroan mengembangkan financing, the Company developed a number of
sejumlah strategi pada 2011, yaitu: strategies in 2011, following:
• Pengembangan usaha dengan fokus pada • Focus in business development MSMEs

sektor UMKM; sector;
• Mengembangkan usaha komersial; • Develop commercial business;
• Mengembangkan usaha konsumer; • Develop consumer business;
• Penyediaan jasa-jasa fee based kepada • Provide fee based services to consumer;
nasabah;
• Memperkuat teknologi dan jaringan • Strengthen technology and service network
pelayanan (outlet); (outlet);
• Memperkuat SDI; • Strengthen human resources;
• Peningkatan kualitas pengelolaan risiko dan • Develop quality of risk management and
kepatuhan. compliance.
Selain hal di atas, Perseroan telah melakukan In addition to the above, the Company has
pembenahan bisnis proses, seperti sistem dan conducted business process improvements,
prosedur dalam rangka meningkatkan pelayanan such as systems and procedures in order to
kepada nasabah yang dibiayai. Perseroan juga improve services to the customer financed. The
menyediakan produk yang disesuaikan dengan Company also provides products that are
kebutuhan pasar dan segmentasi nasabah, baik tailored to the needs of market and customer
produk pembiayaan modal kerja, investasi, segmentation, working capital, investment, and
maupun konsumsi. Produk-produk pembiayaan consumption. Financing products that have
yang telah disediakan dan dikembangkan been provided and developed by the company
Perseroan adalah: are:
• Pembiayaan iB Jual-Beli (murabahah); • iB Sell-Buy Financing (murabahah);

• Pembiayaan iB Kepemilikan Rumah; • iB Housing Financing;
• Pembiayaan iB Kepemilikan Mobil; • iB Car Ownership Financing;
• Pembiayaan iB Jual-Beli (istishna’); • iB Sale-Purchase Financing (istishna‘);
• Pembiayaan iB Bagi-Hasil (mudharabah); • iB Profit Sharing Financing (mudharabah);
• Pembiayaan iB Bagi-Hasil (musyarakah); • iB Profit Sharing Financing (musyarakah);

• Pembiayaan iB K3A; • iB K3A Financing;
• Pembiayaan iB Jaminan Tunai; • iB Cash Collateral Financing;
• Pembiayaan iB Mobil Pola Channeling • iB Car Financing Channeling Scheme
Melalui Multifinance; through Multifinance;
• Pembiayaan iB kepada Lembaga Keuangan • iB Financing for Islamic Microfinance
Mikro Syariah (LKMS). Institutions (LKMS).
Konsumer Consumer
Pada bisnis konsumer, Perseroan tetap fokus On consumer business, the Company remains
membiayai kepemilikan rumah dan kendaraan focused on financing home ownership and
roda empat (mobil). Dari sisi internal, Perseroan four-wheel vehicles (cars). From the internal
terus berupaya mengembangkan dan mema- side, the Company continues to develop and
tangkan sistem pembiayaan konsumer tersebut. finalize the system of consumer financing. The
Upaya itu ditempuh untuk memberikan effort were made by providing ease, lightness,
kemudahan, keringanan, dan fleksibilitas and flexibility to consumption financing, so the
terhadap pembiayaan konsumsi sehingga proses approval process can be faster.
persetujuan dapat menjadi lebih cepat.
Bisnis Penghimpunan Dana Fund-Raising Business
Dalam menghimpun dana masyarakat, Perseroan In raising public funds, the Company focus on
fokus mengembangkan sumber-sumber dana developing inexpensive funding sources or
murah atau ritel yang berasal dari giro dan derived from retail demand from deposits and
tabungan. Sedangkan, strategi yang savings. The strategy has been developed to
dikembangkan untuk meningkatkan improve the collection of DPK, among others
penghimpunan DPK, di antaranya: are:
BUSINESS HIGHLIGHT
54 Tinjauan bisnis BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
• Meningkatkan komposisi penghimpunan • Improve the composition of inexpensive

dana murah berupa giro dan tabungan fund-raising of demand deposits and savings
dengan cara: mewajibkan seluruh nasabah by: requiring all customers to conduct
untuk melakukan transaksi keuangan di Per- financial transactions in the Company and
seroan dan mengadakan beberapa program make some savings promotion program;
promosi tabungan;
• Mengembangkan fee based income melalui • Develop fee-based income through public
public service, cash management, dan service, cash management, and so on;
sebagainya;
• Melakukan promosi secara efisien; • Doing some promotion activity efficiently;
• Menggali sumber dana masyarakat yang • Explores sources of public funds derived
berasal dari Amal Usaha Muhammadiyah; from Muhammadiyah Charitable Enterprises;
• Memperluas jaringan layanan Perseroan; • Expanding the Company services network;
• Memperkuat peran Perseroan sebagai • Strengthen the role of the Company as the
Lembaga Keuangan Syariah-Peserta Wakaf Institution of Islamic Finance-Endowments
Uang (LKS-PWU) dan posisi sebagai Bank Money Participant (LKS-PWU) and a position
Penerima Setoran-Biaya Penyelenggaraan as Beneficiary Bank Deposit-Hajj Operation
Ibadah Haji (BPS-BPIH) oleh Kementerian Costs (BPS-BPIH) by the Ministry of
Agama Republik Indonesia; Religious Affairs of the Republic of
Indonesia;
Fee Based Income Fee Based Income
Sebagai upaya memperkuat lini-lini bisnis As an effort to strengthen lines of business and
sekaligus meningkatkan pendapatan yang also to increase revenues from fee-based
berasal dari fee based income, Perseroan telah income, the Company has been performing a
melakukan pengembangan di sejumlah produk number of products and services. Some
dan layanan. Beberapa produk dan layanan products and services that has been developed,
yang dikembangkan, antara lain produk dan among others are products and applications for
aplikasi wakaf uang, produk virtual account, endowments money, virtual accounts product,
aplikasi autodebet pembayaran PLN, autodebet application for electricity bills PLN,
pengembangan fitur fund transfer pada cash developing the features of fund transfer on cash
management dan aplikasi autodebet untuk management, and auto-debet application for
sekolah. Beberapa strategi yang dikembangkan school tuition payments. Some of the strategies
untuk meningkatkan fee based income adalah developed to increase fee based income are as
sebagai berikut: follows:
• Optimalisasi fee based income yang berasal • Optimization of fee based income derived
dari nasabah existing dalam kerja sama from existing customers in co-Point Online
Payment Point Online Banking (PPOB) Banking Payment (PPOB) with PT PLN;
dengan PT PLN; meningkatkan fee based increase fee based income from new
income dari nasabah baru PPOB dengan customers PPOB by increasing the number
cara menambah jumlah collecting agent; of collecting agent; develop PPOB in the
mengembangkan PPOB di cabang-cabang branches that has not yet handle PPOB.
yang belum menangani PPOB. • In the area of cash management
• Di bidang cash management melalui optimization fee based income through the
optimalisasi fee based income dari nasabah existing cash management customers;
existing cash management; meningkatkan increase cash management fee based
fee based income cash management di income at the branches of the Company to
cabang-cabang Perseroan yang belum customers that do not have cash

memiliki nasabah cash management; management; cash management marketing
pemasaran cash management kepada to deposit and giro owner who has not yet
deposan dan giran besar yang belum cash management.
memiliki cash management.
Tidak hanya cash management, upaya lain yang Not only cash management, other efforts that
juga dilakukan Perseroan untuk meningkatan also has been made to increase the Company
fee based income adalah melalui kerja sama fee-based income is through payroll and co-
payroll dan co-branding dengan sejumlah branded collaboration with a number of
perusahaan yang sudah established. established companies.
Pada tahun 2011, Perseroan juga telah menjalin In 2011, the Company also has established
kerjasama bisnis dengan sejumlah instansi, business cooperation with a number of
diantaranya: institutions, such as :
• Kerjasama dengan PT Andalan Artha • Join cooperation with PT Andalan Artha

Advisindo, sebagai sub-agen penjualan Advisindo as a sales sub agent of Sukuk
Sukuk Ritel SR-003; Retail SR-003;
• Kerjasama dengan Badan Wakaf Indonesia • Join cooperation with Indonesia
(BWI) sebagai LKS-PWU; Endowments Institute (BWI) as an Islamic
Financial Institutions-Money Recipients
Endowments (LKS-PWU);
• Kerjasama dengan PT PLN (Persero) • Join cooperation with PT PLN (Limited) as a
sebagai bank penerima pembayaran tagihan bank recipient for payment of electricity bills
listrik dan tagihan lainnya; and non-electricity bills;
• Kerjasama dengan Pimpinan Pusat • Join cooperation with Central Executive
Muhammadiyah dan Majelis Ekonomi Muhammadiyah and Muhammadiyah
Muhammadiyah; Economic Council;
• Kerjasama dengan PT Bank Bukopin Tbk. • Join cooperation with PT Bank Bukopin
dalam pemanfaatan outlet PT Bank Bukopin Tbk, in the utilization of some outlet PT
Tbk. sebagai Kantor Layanan Syariah Bank Bukopin, Tbk as Shariah Service
(delivery channel) Bank Syariah Bukopin; Office (delivery channel) of Bank Syariah
Bukopin;
• Kerjasama dengan Rumah Zakat sebagai • Join cooperation with the House of Alms as
bank penerima pembayaran Zakat, Infak, a recipient bank for Alms, infak, shodaqoh,
Shodaqoh, dan Qurban, dan; and Qurban;
• Kerjasama dengan Dompet Dhuafa dalam • Join cooperation with Dompet Dhuafa in a
program penerimaan Zakat, Infaq, program of Alms, Infaq, Shodaqoh and
Shodaqoh dan Wakaf bulan Ramadhan Endowments recipient on Ramadhan month
1432 H. 1432 H.
good corporate governance

tata kelola perusahaan
Transparency.“GCG practices implemented by the Company

was a series of the process of building a work culture based on the
principles of transparency, accountability, responsibility, independence,
and fairness. These five basic principles of GCG set forth in the GCG self
assessment was upheld by all the existing elements“.
Sesuai dengan Peraturan Bank Indonesia Based on the Bank Indonesia Regulation
(PBI) Nomor 11/33/PBI/2009 tentang Pelaksa- Number 11/33/PBI/2009 about the implementa-
naan GCG bagi BUS dan UUS, Perseroan telah tion of GCG for Sharia Commercial Bank and
melaksanakan self assessment GCG untuk Sharia Business Unit, the Company has done a
periode 2011. GCG self assessment for the period of 2011.
Selain untuk memenuhi ketentuan sebagaimana Other than to fulfill the regulation mentioned
yang dimaksud di atas, pengimplementasian dan above, the implementation and improvement of
penyempurnaan tata kelola perusahaan atau good corporate governance is a continously
GCG merupakan proses berkelanjutan yang process which is developed by the Company to
dikembangkan Perseroan untuk membangun build a culture that puts forward the principle of
budaya yang mengedepankan prinsip transparency, accountability, responsibility,
transparansi, akuntabilitas, responsibilitas, independency, and fairness.
independensi dan fairness.
Lima prinsip tersebut dijabarkan dalam Those five principles were described in the
pelaksanaan perangkat GCG yang tertuang implementation of GCG devices that were
dalam self assessment. Dengan demikian, nilai stated in the self assessment. So the
pemegang saham dalam jangka panjang dapat shareholder value in the long term will be
terwujud, dan Perseroan dapat menjaga manifested, and the Company can maintain the
kesinambungan bisnis dengan mengedepankan business sustainability by putting forward the
kepentingan seluruh stakeholder. whole stakeholder’s interest.
Implementasi Tata Kelola Governance Implementation
Tindak lanjut terhadap beberapa aspek The follow-up to several aspects of GCG
penerapan GCG pada Perseroan dilakukan implementation in the Company was done in the
dalam bentuk: form of:
• Pelaksanaan tugas dan tanggung jawab • Implementing the duty and responsibility of
Dewan Komisaris; the Board of Commissioners;
Direksi; the Board of Directors;
• Kelengkapan dan pelaksanaan tugas komite; • Comprehensively implementing the duty of
the committee;
Dewan Pengawas Syariah (DPS); the Sharia Supervisory Board;
• Pelaksanaan prinsip syariah dalam kegiatan • Implementing sharia principles in the
penghimpunan dana dan penyaluran dana activities of fund accumulation, fund
serta pelayanan jasa; distribution, and service attendance;
• Penanganan benturan kepentingan; • Handling conflict of interests;
• Penerapan fungsi kepatuhan; • The application of compliance function;
• Penerapan manajemen risiko; • The application of risk management;
• Penerapan fungsi audit intern; • The application of internal audit;
• Penerapan fungsi audit ekstern; • The application of external audit;
GOOD CORPORATE GOVERNANCE
58 Tata Kelola Perusahaan BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
• Penetapan batas maksimum penyaluran dana • The determination of maximum limit of fund
(BMPD); distribution;
• Transparansi kondisi keuangan bank, laporan • Transparency of bank’s financial condition,
pelaksanaan GCG, dan laporan internal. GCG implementation report, and internal
report.
Prinsip Tata Kelola Governance Principle
Praktik GCG yang diterapkan oleh Perseroan The practice of GCG which are implemented by
merupakan rangkaian proses dalam membangun the Company was a series of process in building
budaya kerja berdasarkan asas transparansi, a work ethic based on the principle of
akuntabilitas, responsibilitas, independensi, dan transparency, accountability, responsibility,
fairness. Kelima prinsip dasar GCG yang ditu- independency, and fairness. These five basic
angkan dalam self assessment GCG tersebut di- principle that were stated into GCG’s self
junjung tinggi oleh segenap elemen yang ada assessment was highly upheld by all element
dalam Perseroan. existed in the Company.
Melalui lima prinsip dasar tersebut, Perseroan Through these five principles, the Company
berupaya menumbuhkan budaya patuh terhadap intends to grow the culture of regulation
peraturan, budaya pengelolaan risiko dalam compliance, the culture of risk management in
rangka pengimplementasian prudential banking, implementing prudential banking, and loss risk
serta pencegahan risiko kerugian. Sehingga, prevention. Thus it can give optimum
dapat memberikan kontribusi optimal terhadap contribution to the Company’s performance and
kinerja Perseroan serta mewujudkan upaya untuk actualizing the effort to be a strong and solid
menjadi bank syariah yang kokoh dan tangguh. Islamic bank.
Struktur Tata Kelola Structure of Governance
Struktur kelembagaan sebagai perangkat Institutional structure as supporting device of

pendukung pengimplementasian GCG yang implementing GCG which formed in the
terbentuk pada Perseroan sepenuhnya didukung Company is fully backed up by the Board of
jajaran Dewan Komisaris, DPS, Direksi, dan juga Commissioners, Sharia Supervisory Board,
seluruh karyawan. Struktur GCG pada Perseroan Board of Directors, and the whole employee. The
berupa perangkat-perangkat kelembagaan yang GCG structure in the Company is in the
terdiri atas organ utama dan organ pendukung form of institutional devices which consists of
sebagai berikut: these main organs and supporting organs:
Organ Utama: Main organs:

1. Rapat umum pemegang saham (RUPS); 1. General Meeting of Shareholders;
2. Dewan Komisaris; 2. Board of Commissioners;
3. Dewan Pengawas Syariah (DPS); 3. Sharia Supervisory Board;
4. Direksi. 4. Board of Directors.
Organ Pendukung: Supporting Organs:

1. Komite-komite; 1. Committees;
2. Sekretaris perusahaan; 2. Corporate Secretary;
3. Satuan pengawas intern. 3. Internal unit supervisor.
Rapat Umum Pemegang Saham General Meeting of Shareholders
Sebagai perangkat penting dalam GCG, RUPS As an important device in GCG, General
dilakukan setiap tahun oleh Perseroan. RUPS Meeting of hareholders held annually by the
terdiri atas RUPS tahunan (RUPST) dalam Company. It consists of Annual General Meeting
rangka pengesahan Rencana Kerja dan of Shareholders held to the ratification of
Anggaran Perusahaan (RKAP), RUPST dalam Corporate Work Plan and Budget, Annual
rangka pengesahan Laporan Tahunan dan General Meeting of Shareholders for ratification
Perhitungan Tahunan, serta RUPS Luar Biasa of Yearly Report and Annual Calculation and
yang penyelenggarannya dapat dilakukan Extraordinary General Meeting of Shareholders
sewaktu-waktu. which can be held whenever needed.
Hasil keputusan yang dicapai dalam RUPST Decision made in Annual General Meeting of
diambil berdasarkan kepentingan perusahaan. Shareholders was concluded based on the
Agenda penting yang dibahas dalam RUPST Company’s interest. Important agenda
antara lain mengenai pertanggungjawaban discussed in Annual General Meeting of
Dewan Komisaris dan Direksi menyangkut Shareholders among others was about the
pengelolaan Perseroan, keputusan mengenai accountability of the Board of Commissioners
penetapan anggaran dasar, pengangkatan, dan and the Board of Directors related to the
pemberhentian Dewan Komisaris dan Direksi, Company’s management, decision of
serta pembagian tugas dan wewenang Dewan determination Corporate Articles of Association,
Komisaris dan Direksi. the appointment and the discharge of Board of
Commissioners and Board of Directors, and
division of tasks and authority of the Board of
Commissioners and the Board of Directors.
Dewan Komisaris Board of Commissioners
Sesuai dengan anggaran dasar Perseroan dan In accordance with the Company Corporate
berdasarkan ketentuan Bank Indonesia (BI) Articles of Association and based on the
mengenai GCG pada bank umum syariah (BUS) regulation of Central Bank of Indonesia (BI)
dan unit usaha syariah (UUS), Dewan Komisaris about GCG on Sharia Commercial Bank and
bertanggung jawab memonitor, mengevaluasi, Sharia Business Units, the Board of
serta memberikan nasihat kepada Direksi perihal Commissioner is responsible of monitoring,
kebijakan-kebijakan yang akan diambil evaluating, and giving advice to the Board of
Perseroan melalui subkomite. Directors regarding the policies that the
Company are going to take through the sub-
committee.
Setiap komisaris menjadi anggota-anggota Each commissioner become members of the

subkomite yang memiliki tugas dan tanggung sub-committee which have their own duty and
jawab masing-masing. Sedangkan, subkomite responsibility. While the sub-committee’s duty is
bertugas melakukan evaluasi mengenai aktivitas- to evaluate activities and give recommendation
aktivitas dan memberikan rekomendasi melalui through the discussion meeting with the board
rapat pembahasan bersama Dewan Komisaris of commissioners to get an approval.
untuk mendapatkan persetujuan.
Tugas dan Tanggung Jawab Duty and Responsibility

Pelaksanaan tugas dan tanggung jawab Dewan The Board of Commissioner’s duty and
Komisaris lebih diarahkan untuk mengoptimal- responsibility implementation is more directed
kan, memperbaiki, melengkapi, dan mengoreksi to optimizing, improving, completing, and
berbagai kekurangan yang ada pada Perseroan correcting various flaws that exist in the Com-
dalam rangka memenuhi prinsip-prinsip GCG. pany in order to fulfill the principles of GCG.
Independensi Dewan Komisaris Board of Commissioner’s Independence

Dalam rangka menjaga independensi Dewan In order to maintain the independence of the
Komisaris, sebagaimana ketentuan yang Board of Commissioners, consistent with the
termaktub dalam PBI Nomor 11/33/PBI/2009 clause in the Central Bank of Indonesia’s
tentang Pelaksanaan GCG bagi BUS dan UUS, Regulation number 11/33/PBI/2009 about the
pengangkatan dan/atau penggantian seluruh implementation of GCG for sharia commercial
anggota dewan komisaris dilakukan melalui bank and sharia business units, the appointment
RUPS. and/or discharge of all Board of Commissioners
is done through General Meeting of
Shareholders.
Pengangkatan dan/atau penggantian Dewan The appointment and/or discharge of board of

Komisaris tersebut ditetapkan berdasarkan per- commissioners are made based on the
timbangan integritas, kompetensi, profesionalis- consideration of integrity, competency,
me, serta reputasi keuangan. Setiap anggota De- professionalism, and financial reputation. Each
wan Komisaris membuat dan menandatangani member of the Board of Commissioner made
surat pernyataan bahwa mereka tidak boleh me- and signed a letter stating that they must not
miliki saham mencapai 5% atau lebih di Persero- own share as much as and more than 5% in the
an ataupun di bank dan perusahaan lain (di da- Company nor the bank and other company
lam dan luar negeri). (locally and internationally).
Susunan Dewan Komisaris The Structure of the Board of Commissioners

Dewan Komisaris beranggotakan tiga orang, The Board of Commissioners consists of three
yang terdiri atas satu komisaris utama dan dua person, which are the President commissioner
komisaris independen. Berikut susunan Dewan and two independent commissioner. Here is the
Komisaris Perseroan. structure of the Company’s Board of
Commissioners.
KOMPOSISI KOMISARIS PT BANK SYARIAH BUKOPIN PERIODE TAHUN 2011

COMMISSIONER COMPOSITION PT BANK SYARIAH BUKOPIN 2011 YEAR PERIOD
RUPS Bank Indonesia

General Meeting Central Bank of
of Shareholders Indonesia
1 Sudarmin Sjamsoe, S.E. Komisaris Utama 12 Maret 2010 7 Juni 2010 0%

President Commissioner March 12, 2010 June 7, 2010
2 DR. Hajriyanto Y. Thohari, M.A. Komisaris Independen 23 September 2008 27 Oktober 2008 0,064 %
Independent Commissioner September 23, 2008 October 27, 2008
3 Prof. DR. Bambang Setiaji, M.Si. Komisaris Independen 6 Maret 2008 27 Oktober 2008 1,579%
Independent Commissioner March 6, 2008 October 27, 2008
Sesuai dengan fungsi, Dewan Komisaris telah Consistent with its function, the Board of
memberikan arahan dan nasihat melalui rapat- Commissioner has given directions and advices
rapat koordinasi yang dilakukan dengan Direksi. trough coordination meetings done with the
Board of Directors.
Frekuensi Rapat Dewan Komisaris Board of Commissioners Meeting Frequency

Sesuai dengan ketentuan BI mengenai GCG Consistent with the regulation of the Central
pada BUS dan UUS, dalam pelaksanaan tugas Bank of Indonesia about GCG on Sharia
Dewan Komisaris dan Direksi, masing-masing Commercial Bank and Sharia Business Unit, in
dapat mengadakan rapat Dewan Komisaris, term of duty implementation of the Board of
rapat Direksi, rapat Dewan Komisaris dan Commissioners and the Board of Directors, each
Direksi, serta rapat DPS. one of them can held a Board of Commissioners
meeting, Board of Directors meeting, Board of
Directors and Board of Commissioners meeting,
and Sharia Supervisory Board meeting.
10 kali
10 times
Dewan Pengawas Syariah Sharia Supervisory Board
Perangkat kelembagaan GCG lain yang dimiliki Other institutional device of GCG that the Com-
Perseroan selaku entitas bisnis perbankan syari- pany has an entity of Islamic banking business is
ah adalah Dewan Pengawas Syariah (DPS). DPS the Sharia Supervisory Board. Sharia Supervisory
merupakan perwakilan Dewan Syariah Nasional Board is a representation of National Sharia
(DSN)-Majelis Ulama Indonesia (MUI) pada lem- Board-Indonesian Ulema Council in Islamic fi-
baga keuangan syariah dan memiliki indepen- nancial institution and has an independence.
densi.
Tugas dan Tanggung Jawab Duties and Responsibilities

Sesuai dengan anggaran dasar dan aturan Consistent with the corporate Articles of Associ-
mengenai GCG pada BUS dan UUS, DPS ation and regulation about GCG in Sharia Com-
bertanggung jawab memberikan saran dan mercial Bank and Sharia Business Unit, Sharia
nasihat kepada Direksi serta mengawasi Supervisory Board is responsible in giving sug-
kegiatan bank agar sesuai dengan prinsip gestion and advice to the Board of Directors and
syariah. Tugas dan tanggung jawab DPS monitoring bank’s activities in order for it to be
sebagai berikut: consistent with sharia principles. Here are Sharia
Supervisory Board’s duties and responsibilities:
• Melaksanakan tugas dan tanggung jawab • Implementing jobs and duties according to
sesuai dengan prinsip-prinsip GCG; GCG principles;
• Menilai dan memastikan pemenuhan prinsip • Reviewing and ensuring the fulfillment of
syariah terhadap pedoman operasional dan sharia principles in the operational guide and
produk yang dikeluarkan bank; the bank’s end product;
• Memberikan opini syariah terhadap proses • Giving sharia opinions in the process of
pengembangan produk baru; developing new products;
• Meminta fatwa DSN-MUI terhadap produk • Asking fatwa from National Sharia Board-In-
baru yang belum ada fatwanya; donesian Ulema Council for products which
have no fatwa yet;
• Melakukan review secara berkala terhadap • Reviewing in the fulfillment of sharia
pemenuhan prinsip syariah dalam principles in the fund and financing
mekanisme penghimpunan dana dan accumulation mechanism;
pembiayaan;
• Meminta data dan informasi yang terkait • Asking data and information related with
dengan aspek syariah satuan kerja (satker) bank’s sharia work unit in term of its work
bank dalam rangka pelaksanaan tugasnya. implementation.
Independensi Dewan Pengawas Syariah Sharia Supervisory Board Independence

DPS memiliki independensi dalam melaksanakan Sharia Supervisory Board has these
tugas dan tanggung jawabnya, sebagai berikut: independence in implementing its duties and
responsibilities:
1. Jumlah anggota DPS paling kurang dua 1. Total member of Sharia Supervisory Board is
orang atau paling banyak 50% dari jumlah at least two person or at most 50% of the
anggota Direksi; total the Board of Directors member;
2. Seluruh anggota DPS memiliki integritas, 2. Every member of Sharia Supervisory Board
kompetensi, dan reputasi keuangan yang has adequate integrity, competency, and
memadai; financial reputation;
3. Pengangkatan dan/atau penggantian anggo- 3. The appointment and/or replacement of
ta DPS telah mendapat rekomendasi dari Sharia Supervisory Board member has
DSN-MUI dan telah memperoleh persetujuan received recommendation from National
dari RUPS; Sharia Board-Indonesian Ulema Council and
received approval from General Meeting of
Shareholders;
4. Pengangkatan dan/atau penggantian anggo- 4. The appointment and/or replacement of
ta DPS dilakukan dengan memperhatikan Sharia Supervisory Board member is done
rekomendasi Komite Nominasi atau Komite by considering the recommendation of
Remunerasi dan Nominasi; Nomination Committee or the Remuneration
and Nomination Committee;
5. Masa jabatan anggota DPS tidak melebihi 5. The member of Sharia Supervisory Board’s
masa jabatan anggota Direksi atau Dewan term of office doesn’t exceed the term of
Komisaris; office of the Board of Commisioners and the
Board of Directors’ members;
6. Anggota DPS merangkap jabatan sebagai 6. Member of Sharia Supervisory Board can
anggota DPS paling banyak pada empat only concurrently as Sharia Supervisory
lembaga keuangan syariah lain. Board on at most other four Islamic financial
institution.
Susunan Dewan Pengawas Syariah Structure of Sharia Supervisory Board

DPS beranggotakan dua orang, serta terdapat Sharia Supervisory Board consist of two person,
rangkap jabatan pada lembaga keuangan syariah and concurrently on other Islamic financial insti-
lain. Pada 2011 peran DPS terus ditingkatkan, tution. In 2011, the role of Sharia Supervisory
terutama dalam hal pengawasan dan Board keep being improved, especially in terms
pelaksanaan prinsip-prinsip syariah, di antaranya of monitoring and implementing sharia
melakukan uji petik secara berkala. Berikut principles, among others was to do periodically
susunan DPS Perseroan. test quotes. Here are the structure of the
Company’s Sharia Supervisory Board
KOMPOSISI DEWAN PENGAWAS SYARIAH PT BANK SYARIAH BUKOPIN PERIODE TAHUN 2011
SHARIA SUPERVISORY BOARD COMPOSITION PT BANK SYARIAH BUKOPIN 2011 YEAR PERIOD
Tanggal Persetujuan/Date of Agreement
No. Nama Posisi RUPS Dewan Syariah Nasional MUI Rangkap Jabatan
Name Position Board of National Sharia MUI Double Position
1 Prof. DR. H.M. Din Syamsudin, M.A. Ketua 6 Maret 2008 24 April 2008 Bank Syariah Bukopin;
Chairman March 6, 2008 April 24, 2008 HSBC Amanah (Unit Usaha Syariah);
2 H. Ikhwan Abidin Basri, M.A. Anggota 6 Maret 2008 24 April 2008 Bank Syariah Bukopin;
Member March 6, 2008 April 24, 2008 HSBC Amanah (Unit Usaha Syariah);
Frekuensi Rapat Dewan Pengawas Syariah Sharia Supervisory Board Meeting Frequency
Dalam pelaksanaan tugas dewan komisaris dan In order to implement the duty of the Board of
dewan direksi, masing-masing dapat Commissioners and the Board of Directors,
mengadakan rapat Dewan Komisaris, rapat each one of them can held a Board of Commis-
Direksi, rapat Dewan Komisaris dan Direksi, sioners meeting, Board of Directors meeting,
serta rapat DPS. Board of Directors and Board of Commissioners
meeting, and Sharia Supervisory Board meeting.
10 kali
10 times
Pembentukan Komite Committee Establishment
Sesuai dengan PBI Nomor 11/33/PBI/2009 Consistent with the regulation of the Central
mengenai GCG bagi BUS dan UUS, sejak 2009 Bank of Indonesia number 11/33/PBI/2009
Perseroan sudah bisa melengkapi perangkat about GCG for Sharia Commercial Bank and
kelembagaan komisaris independen serta Sharia Business Units, since 2009 the Company
anggota independen pada jajaran Komite Audit, has managed to complete the set of
Komite Pemantau Risiko, serta Komite independent commissioner institutional, and
Remunerasi dan Nominasi. independent member in the range of Audit
Committee, Risk Monitoring Committee, and
Remuneration and Nomination Committee.
Kelengkapan dan Pelaksanaan Comprehensiveness and Implementation of

Tugas Komite Committee Duties
Guna memenuhi ketentuan mengenai GCG pada In order to fulfill the regulation about GCG on
BUS dan UUS, Dewan Komisaris telah memben- Sharia Commercial Bank and Sharia Business
tuk tiga komite untuk membantu pelaksanaan Unit, the Board of Commissioners has formed
tugas dan tanggung jawabnya. Mereka adalah three committees to help implementing its du-
Komite Audit, Komite Remunerasi dan Nomina- ties and responsibilities. They are the Audit
si, serta Komite Pemantau Risiko. Dewan Committee, Remuneration and Nomination
Komisaris dan anggota komite akan berusaha Committee, and Risk Monitoring Committee.
seoptimal mungkin untuk memperbaiki dan The Board of Commisioners and members of
melengkapi serta mengoreksi kekurangan- the commitee will try as optimal as possible to
kekurangan, di antaranya menetapkan pedoman improve, complete, and correct flaws, establish
dan tata tertib kerja. to determine work guidelines and order.
Independensi Anggota Komite Committee Member’s Independence

Dalam menjalankan tugas dan tanggung In implementing its duties and responsibilities,
jawabnya, anggota komite memiliki the member of the committees has
independensi. Independensi tersebut tercermin independence that is indicated on these things:
dari hal-hal sebagai berikut:
• Seluruh pihak independen anggota komite • All independent party of the committee
merupakan pihak di luar BUS dalam hal ini member is an external party outside Sharia
Perseroan yang tidak memiliki hubungan Commercial Bank. In this case, they don’t
keuangan, kepengurusan, kepemilikan have any financial relationship, stewardship,
saham, dan/atau hubungan keluarga dengan share ownership, and/or family relation with
pemegang saham pengendali, anggota controlling shareholders, members of the
Dewan Komisaris dan/atau anggota Direksi Board of Commissioners and/or Board of
atau hubungan keuangan dan/atau Directors, and financial relationship and/or
hubungan kepemilikan saham dengan Per- share ownership relationship with the
seroan. Sehingga, dapat mendukung Company. Thus, this will support its ability
kemampuannya untuk bertindak to be independent.
independen.
• Seluruh pihak independen yang berasal dari • Every independent party is an ex member of
mantan anggota direksi BUS dalam hal ini Sharia Commercial Bank Directors, in this
Perseroan yang tidak melakukan fungsi case the Company, which doesn’t do
pengawas telah menjalani masa tunggu monitoring function, has went through a
(cooling off) selama enam bulan. cooling off period for at least six months.
a. Komite Audit a. Audit Committee

Komite Audit memastikan independensi dan The Audit Committee ensure the independence
objektivitas akuntan publik ataupun auditor and objectivity of public accountant or internal
internal serta menyediakan forum diskusi yang auditor, and provide forum discussions that are
independen dari manajemen. Selain itu, Komite independent from the management. In addition,
Audit mengevaluasi kualitas audit yang the Audit Committee evaluated the quality of au-
dilakukan, baik oleh akuntan publik maupun dit that is done, both by public accountant and
auditor internal. the internal auditor.
Susunan Komite Audit Audit Committee Structure

Struktur, keanggotaan, keahlian, dan This is the structure, membership, expertise,
independensi anggota Komite Audit Perseroan and independence of the Audit Committee
pada 2011 adalah sebagai berikut. member of the Company on 2011:
No. Nama/Posisi Persetujuan

Name / Position Agreement
1 Prof. DR. Bambang Setiaji, M.Si. Hasil Keputusan Rapat Dewan Komisaris Tanggal 31 Mei 2010
(Ketua) Result of the Board of Commissioners Meeting on May 31, 2010
(Chairman) Surat Keputusan Direksi
No. 109/Skep-DIR/BSB-JKT/VI/2010 Tgl. 3 Juni 2010
2 Novin Bermansyah
(Anggota)
(Member)
3 Doddy Sutandar
(Anggota)
(Member)
Frekuensi Rapat Komite Audit Audit Committee Meeting Frequency
Rapat Komite Audit

Audit Commitee Meeting
10 kali kehadiran rapat

10 times meeting attendance
b. Komite Remunerasi dan Nominasi b. Remuneration and Nomination Committee

Sesuai dengan fungsinya, Komite Remunerasi Consistent to its function, the Remuneration
dan Nominasi memiliki tugas dan tanggung and Nomination Committee has jobs and re-
jawab yang terkait dengan evaluasi kebijakan sponsibilites related the evaluation of remune-
remunerasi dan rekomendasi kebijakan nominasi ration policy and recommendation Company’s
Perseroan kepada Dewan Komisaris serta Nomination policy to the Board of Commissio-
struktur, keanggotaan, keahlian, dan ners, and the structure, membership, expertise,
independensi anggota. independency of the members.
Susunan Komite Remunerasi dan Nominasi Structure of Remuneration and Nomination

Susunan Komite Remunerasi dan Nominasi Per- Committee
seroan pada 2011 adalah sebagai berikut: Here is the structure of remuneration and
nomination committee of the Company on
2011:

1 DR. Hajriyanto Y. Thohari, M.A. Hasil Keputusan Rapat Dewan Komisaris Tanggal 27 Mei 2011
(Ketua) Result of the Board of Commissioners Meeting on May 27, 2011
No. 082/SKEP-DIR/KP-JKT/V/2011 Tgl. 30 Mei 2011
2 Prof. DR. Bambang Setiaji, M.Si.
(Anggota)
(Member)
3 Sudarmin Sjamsoe, S.E.

(Anggota)
(Member)
4 Rismarini
(Anggota)
(Member)
Frekuensi Rapat Komite Remuneration and Nomination Committee

Renumerasi dan Nominasi Meeting Frequency
Rapat Komite Remunerasi dan Nominasi

Remuneration and Nomination
Commitee Meeting

c. Komite Pemantau Risiko c. Risk Monitoring Committee

Sesuai dengan fungsi dan tanggung jawabnya, Consistent to its function and responsibility, the
Komite Pemantau Risiko melakukan evaluasi Risk Monitoring Committee evaluates risk
terhadap kebijakan manajemen risiko, termasuk management policy, including the Risk
eveluasi pelaksanaan tugas Komite Manajemen Management Committee and Risk Management
Risiko dan Satuan Kerja Manajemen Risiko untuk Work Unit’s job implementation evaluation to
kemudian direkomendasikan kepada dewan furthermore be recommended to the Board of
komisaris. Commissioners.
Susunan Komite Pemantau Risiko Structure of Risk Monitoring Committee

Struktur, keanggotaan, keahlian dan Structure, membership, expertise, and
independensi anggota Komite Pemantau Risiko independence of the members of Risk
Perseroan adalah sebagai berikut. Monitoring Committee of the Company as
follows:

1 DR. Hajriyanto Y. Thohari, M.A. Hasil Keputusan Rapat Dewan Komisaris Tanggal 15 April 2009
(Ketua) Result of the Board of Commissioners Meeting on April 15, 2009
No. 029/SKEP-DIR/KP-BSB/V/2009 Tgl. 28 Mei 2009
2 Prof. DR. Bambang Setiaji, M.Si.
(Anggota)
(Member)
3 Betarto Fitriaji
(Anggota)
(Member)
Frekuensi Rapat Komite Pemantau Risiko Risk Monitoring Committee

Meeting Frequency
Rapat Komite Pemantau Resiko

Risk Monitoring Commitee Meeting

Direksi The Board of Directors
Direksi atau Board of Director (BoD) merupakan The Board of Directors (BoD) is the main
perangkat kelembagaan utama dalam institutional device in implementing GCG in the
pengimplementasian GCG pada Perseroan. Pe- Company. The appointment and/or replacement
ngangkatan dan/atau penggantian seluruh ang- of every member the Board of Directors are
gota Direksi, disetujui melalui forum RUPS dan approved through the General Meeting of
sejalan dengan kriteria utama, yaitu mempertim- Shareholders and consistent with the main
bangkan integritas, kompetensi, profesionalisme, criteria, which consider appropriate integrity,
dan reputasi keuangan yang memadai. competency, professionalism, and financial
reputation.
Tugas dan Tanggung Jawab Duties and Responsibility

Berdasarkan PBI Nomor 11/33/PBI/2009 menge- Based on Bank Indonesia regulations Number
nai GCG bagi BUS dan UUS, Direksi adalah or- 11/33/PBI/2009 about GCG on sharia commer-
gan Perseroan yang berwenang dan bertang- cial bank and sharia business units, Board of
gung jawab penuh atas pengurusan Perseroan Directors is a Company organ which has the full
sesuai dengan maksud dan tujuan Perseroan. authority and responsibility on managing the
Terkait dengan implementasi GCG, ke depan Company in accordance with the Company’s
dewan direksi akan lebih mengoptimalkan upaya aims and objectives. Related to the
menindaklanjuti temuan-temuan dari hasil implementation of GCC, in the future the board
pengawasan Bank Indonesia. of directors will optimize the effort of following-
up the findings from the results of the Central
Bank of Indonesia monitoring even more.
Independensi Direksi Board of Directors‘s independence

Direksi melaksanakan tugasnya secara indepen- The Board of Directors perform their duties in-
den dan tidak mendapat campur tangan dari pi- dependently without interference from other
hak-pihak lain yang bertentangan dengan aturan parties which contradictive with the regulation
yang berlaku. Untuk mencegah terjadinya bentu- applied. To avoid conflict of interests, members
ran kepentingan, anggota Direksi tak saling me- of Board of Directors must not have a family re-
miliki hubungan keluarga sampai dengan derajat lationship up until the second degree with fel-
kedua dengan sesama anggota Dewan low member Board of Commissioners and/or
Komisaris dan/atau Direksi. Anggota Direksi te- Board of Directors. The Board of Directors
lah membuat dan menandatangani surat pernya- members don’t have shares up to or more than
taan bahwa anggota Direksi tidak memiliki sa- 5% on the Company or on other banks and
ham yang mencapai 5% atau lebih pada Per- company (locally and internationally).
seroan maupun bank dan perusahaan lain (di da-
lam dan luar negeri).
Susunan Direksi Structure of Board of Directors

Keanggotaan direksi Perseroan berjumlah empat The Company‘s Board of Directors total mem-
orang, terdiri atas satu direktur utama dan tiga ber is four person, which consists of a presi-
direktur, serta tidak ada rangkap jabatan pada dent director and three directors, and concur-
bank lain. rently on other banks are not allowed.
KOMPOSISI DIREKSI PT. BANK SYARIAH BUKOPIN PERIODE TAHUN 2011

THE BOARD OF DIRECTOR COMPOSITION PT. BANK SYARIAH BUKOPIN 2011 YEAR PERIOD
Tanggal Persetujuan Komposisi

Approval Date Kepemilikan
No. Nama Posisi Saham
Name Position RUPS Bank Indonesia Shareholder
General Meeting Central Bank of Composition
of Shareholders Indonesia
1 Riyanto Direktur Utama 23 September 2008 27 Oktober 2008 0%
President Director BA RUPSLB no. 38 No.10/21/GBI/DPbS
2 Harry Harmono Busiri Direktur Bisnis 12 Maret 2010 7 Juni 2010 0%
Business Director
3 Ruddy Susatyo Direktur Operasi BA RUPS no. 8 No.12/8//DPbS/PADB 0%
dan Pelayanan
Service and Operations
Director
4 Eriandi Direktur Kepatuhan 0%
dan Manajemen
Risiko
Compliance and Risk
Management Director
Frekuensi Rapat Direksi Board of Directors Meeting Frequency

Dalam pelaksanaan tugas Dewan Komisaris dan In order to implement the duty of the Board of
Direksi, masing-masing dapat mengadakan rapat Commissioners and the Board of Directors,
Dewan Komisaris, rapat Direksi, rapat Dewan each one of them can held a Board of Commis-
Komisaris dan Direksi, serta rapat Dewan sioners meeting, Board of Directors meeting,
Pengawas Syariah. Board of Directors and Board of Commissio-
ners meeting, and Sharia Supervisory Board
meeting.
27 kali
27 times
Shares Option yang Dimiliki Komisaris, Shares Option Owned by the Board of
Direksi, dan Pejabat Eksekutif Commisioners, the Board of Directors,
and Executive Officers
Untuk buy back shares dan/atau buy back The option to buy back shares and/or buy back
obligasi Perseroan, hal itu tidak/belum ada atau bonds hasn’t been done by the Company.
dilakukan oleh Perseroan.
Satuan Kerja Audit Internal Internal Audit Task Force
Satuan Kerja Audit Internal (SKAI) merupakan Internal Audit Task Force (SKAI) is an
unit kerja independen yang langsung independent unit directly responsible to the
bertanggung jawab kepada Direktur Utama President Director of the Company. The
Perseroan. Pelaksanaan audit internal implementation of internal audit was one of the
merupakan salah satu pilar untuk menopang pillars to support the effectiveness of internal
efektivitas pengendalian internal, pengelolaan control, risk management and GCG at the
risiko, dan GCG pada Perseroan. Company.
Ketiga hal tersebut sangat dibutuhkan untuk Those three things were needed to increase the
meningkatkan kemungkinan pencapaian tujuan possibilities of achieving objectives and targets
dan target yang ditetapkan, namun dengan set, but with low risk. In an effort to support the
tingkat risiko yang rendah. Sebagai upaya untuk implementation of the GCG in the Company,
mendukung implementasi GCG di Perseroan, Internal Audit Task Force has carried out its
SKAI telah melaksanakan fungsi dan tugasnya functions and duties as follows:
sebagai berikut:
1. Melakukan evaluasi terhadap efektivitas, 1. Evaluating the effectiveness, efficiency, and

efisiensi, dan kepatuhan dalam proses compliance in the business of the Company
bisnis Perseroan melalui metodologi audit through the methodology of risk-based
berbasis risiko terhadap seluruh proses audit of all existing business processes in
bisnis yang ada di Perseroan; the Company;
2. Melakukan kegiatan monitoring kebenaran 2. Monitoring activities of truth and fairness of
dan kewajaran angka-angka dalam laporan the figures in the financial statements on an
keuangan secara berkelanjutan terutama ongoing basis, especially in the accounts
pada akun-akun (pos-pos neraca keuangan) (balance sheet items) which were sensitive
yang sensitif seperti pendapatan dan biaya, as to revenues and expenses, so that errors
sehingga kesalahan penyajian pada laporan in the presentation of financial statements
keuangan dapat diminimalisir; can be minimized;
3. Mengkoordinasikan aktivitas dengan proses 3. Coordinating activities with the risk

pengelolaan risiko untuk memperoleh input management process to obtain input and
maupun output mengenai penilaian risiko; output of the risk assessment;
4. Berperan serta sebagai konsultan atau 4. Participating as consultants or partners for
partner bagi pihak-pihak intern yang internal parties in need, such as providing
membutuhkan, seperti memberikan masukan input on the proposal / policies proposal or
atas usulan/ proposal kebijakan atau sistem system and procedures and ensure the
dan prosedur dan memastikan kecukupan adequacy of internal control aspects;
aspek-aspek pengendalian intern;
5. Melakukan audit atas aspek pembiayaan, 5. Auditing the financial aspects, operational,
operasional, dan juga kajian atas pengen- and also a review of internal control. The
dalian internal. Hasil dari proses pelaksanaan results of the audit process was
audit tersebut didokumentasikan di dalam documented in the Audit Report (LHA)
Laporan Hasil Audit (LHA) yang berisi which contains information about the
informasi mengenai temuan, kesimpulan hasil findings, the conclusion of the audit the
audit penerapan pengendalian internal, dan implementation of internal controls,
kesimpulan pengungkapan kondisi cabang- disclosure and the conclusion of the
cabang yang memerlukan perbaikan, branches of the conditions that repair,
kerangka acuan untuk tindakan-tindakan frame of reference for actions to be taken
yang harus diambil oleh manajemen by management based on the
berdasarkan rekomendasi dan penjelasan recommendations of audit objects views
pandangan objek audit. LHA disampaikan and explanations. LHA submitted to the
kepada Direktur Utama dan Dewan Komisaris Director and the Board of Commisioners
melalui Komite Audit, serta auditee terkait; President through the Audit Committee,
and also the relevant auditee;
6. Melakukan monitoring terhadap tindak lanjut 6. Conduct follow-up monitoring of the
temuan audit SKAI, sesuai dengan arahan Di- Internal Audit Task Force Unit findings,
reksi dan atau Komite Audit; according to the direction from the Board
of Directors and Audit Committee;
7. Menyusun pedoman audit dan program atau 7. Develop guidelines and program audits or
rencana kerja tahunan, sehingga pelaksanaan annual work plans, so the audit can be run
audit dapat berjalan efektif dan efisien serta effectively and efficiently and on target;
tepat sasaran;
8. Peningkatan kualitas aparat SKAI secara 8. Improvement the quality of Internal Audit
berkelanjutan melalui pelatihan-pelatihan. Task Force personnel on an ongoing basis
through training.
Penerapan Customer Due Diligence Implementation of Customer Due

Diligence
Secara berkelanjutan Perseroan melalui Direkto- On an ongoing basis the Company through the
rat Kepatuhan dan Manajemen Risiko, berupaya Compliance and Risk Management Directorate,
terus menerus memperbarui kebijakan dan pro- is constantly striving to update policies and
sedur prinsip pengenalan nasabah, termasuk procedures for the introduction of the principle
upaya mengembangkan sistem CDD yang ber- of customers, including efforts to develop the
landaskan pada peraturan dan perundang-un- CDD system based on rules and current
dangan terkini, mendeteksi transaksi yang men- legislation, to detect suspicious transactions,
curigakan, dan kemudian melaporkannya kepada and then report it to Indonesia Financial
Pusat Pelaporan dan Analisa Transaksi Keuangan Transactions Report and Analysis Centre
(PPATK). (PPATK).
Dalam mendukung fungsi tersebut, Perseroan te- To support these functions, the Company has
lah membentuk Unit Kerja Pengenalan Nasabah established a Know Your Customer Unit (KYC)
(UKPN) di bawah Direktorat Kepatuhan. Persero- under the Directorate of Compliance. The
an juga mengembangkan sistem operasional khu- Company has also developed a special
sus yang mendukung kemampuan UKPN untuk operating system that supports KYC’s ability to
menganalisis profil nasabah maupun profil tran- analyze customer profile and the profile of
saksi nasabah. Beberapa fasilitas yang terdapat customer transactions. Some of the facilities
dalam sistem tersebut di antaranya: contained in the system include:
• Mengidentifikasi dan menyaring nasabah; • Identifying and filtering the customer;

• Menelusuri transaksi keuangan bank • Tracing the financial bank transactions of
terhadap nasabah; the customer;
• Mendeteksi nasabah yang datanya belum • Detecting the customer whose data has not
diperbarui; been updated;
• Melakukan identifikasi terhadap transaksi • Identifying suspicious financial transactions.
keuangan yang mencurigakan.
Pengembangan sistem tersebut adalah bagian The development of such systems was the app-
penerapan CDD sebagaimana yang diwajibkan lication of CDD as required by Central Bank of
oleh Bank Indonesia. Indonesia.
Penyebarluasan dan pengembangan program Dissemination and development of CDD pro-

CDD secara lebih efektif dilakukan melalui sosia- gram more effectively done through socialization
lisasi kepada seluruh cabang mengenai pengapli- to all branches regarding application of CDD
kasian program CDD disertai pelatihan terhadap program with training related of the work unit,
unit kerja terkait, baik yang diselenggarakan oleh whether organized by PPATK or Central Bank of
PPATK maupun oleh Bank Indonesia. Indonesia.
Internal Fraud, Permasalahan Hukum, Internal Fraud, Legal Issues, and Sett-
dan Upaya Penyelesaian oleh Bank lement Efforts
Pada periode 2011 tidak terdapat permasalahan Throughout the 2011 period, there weren’t any
internal fraud. Sedangkan, untuk permasalahan internal fraud problems. While for legal issues,
hukum, sesuai dengan komitmen Perseroan, consistent with the Company’s commitment,
melalui manajemen baru telah ditindaklanjuti be- several legal issues towards several troubled
berapa permasalahan hukum terhadap nasabah consumers had been followed-up with the
bermasalah kepada pihak/instansi yang ber- authorities.
wenang.
Tabel Jumlah Kasus Internal Fraud

Table Number of Internal Fraud Case
Pengurus/ Pegawai Tetap/ Pegawai tidak Tetap/
Management Permanent Employee Non Permanent Employee
Internal Fraud dalam 1 tahun/
Internal Fraud in 1 Year Tahun Tahun Tahun Tahun Tahun Tahun
sebelumnya/ Berjalan/ sebelumnya/ Berjalan/ sebelumnya/ Berjalan/
Previous Current Previous Current Previous Current
Year Year Year Year Year Year
Total Fraud/Total Fraud - - - - - -
Telah diselesaikan/Have been settled - - - - - -
Dalam proses penyelesaian di internal - - - - - -
bank/In the Settlement proces from internal
bank - - - - - -
Belum diupayakan penyelesaian/Have not
yet in strive of settlement
- - - - - -
Telah ditindaklanjuti melalui proses
hukum/Have been follow up through the
legal process
Transaksi yang Mengandung Transaction Contain Conflict

Benturan Kepentingan of Interests
Dalam menjalankan operasionalnya, Perseroan In running its operations, the Company has poli-
memiliki kebijakan, pedoman sistem dan prose- cies, system guidelines, and procedures as in li-
dur seperti halnya limit Komite Pembiayaan, ke- mitations of Financing Committee, compliance
bijakan opini manajemen risiko dan kepatuhan, and risk management opinion policy, human re-
kebijakan SDI, serta kebijakan dan prosedur ope- sources policy, and other banking policy and
rasional bank lainnya yang senantiasa digunakan operational procedures which continuously used
oleh manajemen sebagai pertimbangan dalam by the management as a consideration in every
setiap pengambilan keputusan. decision making.
Secara keseluruhan pelaksanaan prinsip syariah In overall, the implementation of sharia

dalam kegiatan penghimpunan dana dan principles in the activities of fund accumulation
transaksi penyaluran dana serta pelayanan jasa and fund distribution transactions, and the
Perseroan telah sesuai dengan kriteria/indikator. Company’s service attendance has been in
Untuk lebih meningkatkan kesesuaian, Perseroan accordance with the criteria/indicator. To
melengkapinya dengan rekomendasi DPS increase the suitability, the Company completes
berdasarkan hasil review dan uji petik yang it with the recommendation from Sharia
dilakukan. Supervisory Board based on the review and
quote test done.
Nama dan Jabatan Nama dan Jabatan Jenis Nilai Transaksi Keterangan *)
yang Memiliki Pengambil Keputusan Transaksi (Jutaan Rp) Remark *)
No. Benturan Kepentingan Name and Position of Transaction Transaction Value
Name and Position that Decision Maker Type in Million Rp
Have Conflict Interest
- - - - - -
Sekretaris Perusahaan Corporate Secretary
Berdasarkan Surat Keputusan Direksi No. 122/ Based on Board of Director Decree No. 122/
SKEP-DIR/BSB-JKT/XII/2009 Tanggal 28 SKEP-DIR/BSB-JKT/XII/2009 On December 28,
Desember 2009, Perseroan menunjuk Evi Yulia 2009, the Company appointed Evi Yulia
Kurniawati sebagai Kepala Sekretaris Perusahaan Kurniawati as the Company's Head of Corporate
Perseroan. Secretary.
Tugas dan Tanggung Jawab Duties and Responsibilities

Sekretaris Perusahaan bertugas sebagai liaison The Corporate Secretary has served as liaison
officer (pejabat penghubung) dalam rangka officer in order to assist the Board of Directors
membantu Direksi Perseroan untuk of the Company to communicating and
mengomunikasikan dan menginformasikan informing important messages, including the
pesan-pesan penting, termasuk informasi Company’s financial information to all
keuangan Perseroan kepada segenap stakeholders. Communication and dissemination
stakeholders. Komunikasi dan penyebaran of financial information that is related to the
informasi keuangan yang dimaksud terkait performance of the Company and such other
dengan kinerja Perseroan maupun informasi- information, either to the government, Central
informasi lain, baik kepada pemerintah, BI, Bank of Indonesia (BI), shareholders, customers,
pemegang saham, nasabah, pelaku usaha, business, and society.
maupun masyarakat.
Selain tugas tersebut, Sekretaris Perusahaan In addition to carrying out this task, the
telah menjalankan peran dan fungsinya yang Corporate Secretary has perform the role and
berhubungan dengan kemasyarakatan dan function in the task that related to social and
aktivitas-aktivitas kesekretariatan. Dalam secretarial activities. In performing its duties and
menjalankan tugas dan tanggung jawabnya, responsibilities, the Corporate Secretary has
Sekretaris Perusahaan selalu mengedepankan always put forward the principle of transparency
prinsip transparansi sebagai referensi utama as the main reference of communication
kegiatan komunikasinya sehingga diharapkan activities to increase loyalty of the stakeholders
mampu meningkatkan loyalitas stakeholders to the existence and position of the Company
terhadap eksistensi dan posisi Perseroan pada on the present and the future.
masa sekarang dan yang akan datang.
Sepanjang 2011 secara rutin Sekretaris Throughout 2011, Corporate Secretary on a

Perusahaan telah mengakselerasi proses regular basis has accelerate the publishing
penerbitan majalah internal BSB NEWS yang process of BSB NEWS internal magazine that
diposisikan sebagai media komunikasi internal positioned as the medium for company’s
perusahaan dan pembuatan jejaring sosial untuk internal communications and creat of social
komunikasi pihak luar melalui Facebook networks for communication outside by the
Perseroan dengan account Bank Syariah facebook Company with Bank Syariah Bukopin
Bukopin. Sekretaris Perusahaan juga telah account. The Corporate Secretary has also
melaksanakan sejumlah kegiatan yang berkaitan implemented a number of activities related to
dengan tanggung jawab sosial perusahaan yang corporate social responsibility involving the
melibatkan masyarakat sekitar. surrounding community.
Terkait dengan penyebaran informasi perusahaan, Associated with the dissemination of corporate
seperti laporan tahunan, siaran pers, dan information, such as annual reports, press
informasi lain yang dibutuhkan nasabah, investor, releases, and other information needed by
serta masyarakat, Sekretaris Perusahaan telah customers, investors, and the public, the
mengelola www.syariahbukopin.co.id Corporate Secretary has been managing
www.syariahbukopin.co.id
compliance & risk management

manajemen risiko dan kepatuhan
Firm.”Throughout 2011, the Company in

concrete has confirm the potential risks that may
arise and provide an analysis of the relevant
divisions on how to mitigate risks that may arise
in the future”.
Sepanjang 2011, secara berkesinambungan, Throughout 2011, on an ongoing basis, the

implementasi manajemen risiko dan kepatuhan implementation of risk management and
telah berkontribusi dalam hal pencapaian target compliance has contributed in terms of the
bisnis Perseroan. Dalam praktiknya, kontribusi achievement of the Company business targets.
tersebut dilakukan antara lain dengan turut In practice, the contribution was made, among
memberikan opini-opini terhadap proses-proses others, to participate in providing the opinions
pembiayaan yang diberikan oleh Perseroan, baik of the processes of financing provided by the
untuk pembiayaan baru, penambahan, maupun Company, either to new financing, increase, as
perpanjangan dengan Service Level Agreement well as the extension of the good Service Level
(SLA) yang baik. Agreement (SLA).
Secara konkret, Perseroan telah mempertegas In concrete terms, the Company has emphasize
potensi-potensi risiko yang mungkin timbul dan the potential risks that may arise and provide an
memberikan analisis kepada divisi terkait analysis of the relevant divisions on how to
tentang bagaimana memitigasi risiko-risiko yang mitigate risks that may arise in the future. As an
mungkin timbul di kemudian hari. Sebagai affirmative step and also to accelerate the
langkah penguatan sekaligus mengakselerasi process and implementation of risk
proses dan implementasi manajemen risiko, management, throughout 2011, the Company
sepanjang 2011, Perseroan mengembangkan developed a number of the following important
sejumlah hal penting berikut ini: things:
Profil Risiko The Risk Profile

Perseroan secara berkesinambungan terus The Company continue to make sustainable
melakukan perbaikan-perbaikan dalam hal improvements in terms of risk management,
penerapan manajemen risiko terutama dalam hal especially in terms of monitoring and risk
pemantauan dan pengendalian risiko. Dalam control. In presenting the report risk profile,
penyajian Laporan Profil Risiko, seiring dengan along with the issuance of PBI No.13/23/
telah dikeluarkannya PBI No.13/23/PBI/2011 PBI/2011 dated November, 2, 2011 on the
tanggal 2 November 2011 tentang Penerapan Application of Risk Management for Sharia
Manajemen Risiko bagi Bank Umum Syariah dan Commercial Bank and Sharia Business Unit, and
Unit Usaha Syariah, dengan ini ke depan along with this, in the future the Company will
Perseroan akan menyampaikan 8 (delapan ) deliver eight (8) risk, namely: (1) Financing Risk,
risiko, yaitu: (1) Risiko Pembiayaan; (2) Risiko (2) Market Risk, (3) Liquidity Risk, (4) Operational
Pasar; (3) Risiko Likuiditas; (4) Risiko Risk, (5) Legal Risk, (6) Strategic Risk, (7)
Operasional; (5) Risiko Hukum; (6) Risiko Compliance Risk, and (8) Reputation Risk .
Strategik; (7) Risiko Kepatuhan; dan (8) Risiko
Reputasi.
Sehubungan dengan perubahan kondisi dan Due to changeover conditions and new
peraturan baru yang berhubungan dengan regulations relating to the risk management of
pengelolaan manajemen risiko untuk perbankan Islamic banking provided by the regulation
syariah seperti diatur dalam PBI di atas, maka above, the Company continue to make
Perseroan terus berupaya melakukan penye- adjustments to the rules and policies. The
suaian terhadap aturan dan kebijakan dimaksud. regulation explained, other than 8 (eight) risks
Dalam PBI tersebut dijelaskan, selain 8 (delapan) such as risks in the conventional banking system
risiko seperti risiko-risiko di perbankan konven- to be managed, there are 2 (two) additional risks
COMPLIANCE & RISK MANAGEMENT
76 Manajemen Resiko & Kepatuhan BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
sional yang harus dikelola, terdapat 2 (dua) risiko that should and must be well managed by the
tambahan yang harus dan wajib dikelola pula Islamic banking, rate of return risk and equity
oleh perbankan syariah, yakni risiko imbal hasil investment risk. In that context, although this
(rate of return risk) dan risiko investasi (equity two risk have not been included in risk
investment risk). Dalam konteks tersebut, assessment by the regulator, but the Company
meskipun kedua risiko dimaksud belum dimasuk- still has to consider this as a risk that have to
kan ke dalam penilaian risiko oleh regulator, be managed properly.
namun Perseroan tetap memperhitungkan
sebagai risiko yang harus dikelola dengan baik.
Terkait dengan eskalasi dan pengaruh krisis Associated with the escalation and the impact
global yang melanda negara-negara maju di of global crisis that hit developed countries in
kawasan Eropa dan AS terhadap perekonomian Europe and the United States (U.S.) to the
nasional, Perseroan telah menerapkan strategi national economy, the Company has
manajemen risiko terkait dengan penguatan implemented a risk management strategy to
fundamental Perseroan terhadap risiko yang strengthen the fundamentals of the Company
mungkin timbul, khususnya terhadap risiko against possible risks, particularly in risk
pembiayaan. Sebagai langkah mitigasi, Perseroan financing. As mitigation steps, the Company
telah melakukan evaluasi yang lebih mendalam has conducted a more in-depth evaluation of a
terhadap sejumlah proses-proses di bidang number of processes in the areas of financing
pembiayaan yang diberikan. Dalam praktiknya, provided. In practice, the Company avoid high-
Perseroan menghindari pembiayaan-pembiayaan risk financing and has substantial effect on the
yang berisiko tinggi dan berpengaruh cukup sustainable of the Company business .
besar terhadap kelangsungan bisnis Perseroan.
No Fungsi/Function Aktivitas/Activities
1 Melakukan pemantauan pelaksanaan strategi manajemen risiko yang Menghadiri pelaksanaan rapat-rapat yang diadakan internal Perseroan
telah disetujui oleh Direksi dan Komite Manajemen Risiko berdasarkan disposisi Direktur Kepatuhan dan Manajemen Risiko terutama
Monitoring the implementation of risk management strategies that have yang terkait dengan risiko dan kepatuhan bisnis
been approved by the Board of Directors and the Risk Management Attending implementation meetings held by internal company based
Committee on disposition of the compliance and risk management director which
primarily associated with business risk and compliance
2 Melakukan pemantauan posisi risiko secara keseluruhan (composite), per Mengumpulkan data internal terkait risiko pada setiap aktivitas fungsional
jenis risiko dan per jenis aktivitas fungsional terutama data pembiayaan, operasional dan treasury
Monitoring the overall risk position (composite) per type of risk and per Collecting internal data related to risk on each functional activity,
type of functional activity especially the data of financing, and treasury operations
Melakukan pengumpulan database dari eksternal sebagai bahan kajian
Collecting database from external as a suggested resources
3 Melakukan kaji ulang terhadap proses manajemen risiko secara berkala Melakukan review dan evaluasi internal terhadap program kerja dan
Conducting review of risk management processes on a regular basis pelaksanaan manajemen risiko secara berkala
Conducting an internal review and evaluation of work programs and
implementation of risk management on a regular basis
Melakukan pengembangan sistem manajemen risiko
Conducting risk management system development
4 Melakukan pengkajian usulan aktivitas dan/atau produk baru yang Memberikan opini atas draft usulan aktivitas dan/atau produk baru
diajukan Providing an opinion on the draft proposal activity and / or new products
Assessing the proposed activity and / or proposed new products Memberikan opini dan rekomendasi atas permohonan pembiayaan
Grant an opinion and recommendation on financing application
5 Memberikan rekomendasi kepada unit operasional (risk taking unit) dan Membuat dan menyampaikan Laporan Profil Risiko secara triwulanan
atau Komite Manajemen Risiko kepada Bank Indonesia (BI)
Providing recommendations to the operational unit (risk-taking unit) and Creating and submit a Risk Profile Report quarterly to Central Bank of
or a the Risk Management Committee Indonesia (BI)
6 Menyusun & menyampaikan Laporan Profil Risiko secara berkala kepada Membuat dan menyampaikan Laporan Risiko bulanan kepada Direktur
pihak-pihak yang terkait Utama, Dewan Komisaris dan Komite Pemantau Risiko
Preparing and submit a Risk Profile Report periodically to the relevant Creating and submit monthly Risk Reports to the President Director, Board
parties of Commissioners and the Risk Monitoring Committee
Kepatuhan Compliance
Selain melakukan pengelolaan manajemen risiko, Besides managing risk management, the
Perseroan juga menerapkan kepatuhan yang Company also implemented appropriate and
tepat dan benar sesuai dengan aturan dan correct compliance in accordance with the
kebijakan yang berlaku. Untuk memudahkan rules and policies. To facilitate its application,
penerapannya, Perseroan mengimplementasikan the Company implemented a variety of
berbagai mekanisme dan sistem sebagai berikut: mechanisms and systems as follows:
Pengawasan Supervision
Meningkatnya kinerja Perseroan secara otomatis The increased performance of the Company
menyebabkan terjadinya peningkatan kompleksi- automatically lead to an increase complexity of
tas kegiatan usaha. Kompleksitas kegiatan business activities. The increase of banking
usaha bank yang makin meningkat mengakibat- complexity operations also has the impact in
kan tantangan dan eksposur risiko yang dihada- enlarging exposure of the challenges and risks.
pi juga semakin besar. Melihat risiko inheren Looking at the inherent risk of the bank
bank saat ini, perkembangan tantangan, dan risi- nowadays, developmental challenges, and the
ko usaha bank yang makin besar, maka diperlu- growth of banking business risk, it require an
kan upaya untuk memitigasi risiko tersebut. effort to mitigate those risks.
COMPLIANCE & RISK MANAGEMENT
78 Manajemen Resiko & Kepatuhan BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Upaya-upaya tersebut dapat bersifat ex-ante These efforts can be ex-ante (preventive) and
(preventif) maupun ex-post (kuratif). Upaya yang ex-post (curative). The effort, which is ex-ante is
bersifat ex-ante sangat diperlukan untuk mengu- necessary to reduce or minimize the potential
rangi atau memperkecil potensi risiko kegiatan risk of banking operations that expected to
usaha bank yang diperkirakan akan terjadi. Pe- happen. Good risk management and a timely are
ngelolaan risiko yang baik dan tepat waktu diha- expected to minimize the impact of risk as early
rapkan dapat meminimalisir dampak risiko sedini as possible.
mungkin.
Sistem Prosedur Procedural System

Terkait dengan sistem dan prosedur yang ada, In relation with existing systems and
Perseroan selalu melakukan review terkait sistem procedures, the Company always review the
dan prosedur tersebut untuk disesuaikan dengan systems and procedures to conform with
peraturan-peraturan yang berlaku, antara lain applicable regulations, among others, Bank
Peraturan Bank Indonesia (PBI) maupun Surat Indonesia Regulation (PBI) and Circular Letter of
Edaran Bank Indonesia (SEBI), sehingga comply Bank Indonesia (SEBI), so it can be up to date
dan up date terhadap peraturan tersebut. and comply with those regulations.
Sistem Pengujian Testing System

Terkait sistem pengujian, Perseroan sedang In relation with testing systems, the Company is
membangun sistem (informasi) berbasis web yang building a system (information) web-based to be
akan digunakan untuk mengukur sejauh mana used to measure the extent of compliance with
tingkat kepatuhan atas pembiayaan yang the proposed financing of the applicable
diusulkan terhadap peraturan-peraturan yang regulations through the Compliance Self
berlaku melalui sistem Compliance Self Assessment (CSA).
Assesment (CSA).
Opini dan Catatan Opinions and Notes

Sebagai wujud penerapan kepatuhan, Perseroan As a form of compliance implementation, the
melalui Divisi Kepatuhan turut memberikan opini Company through the Compliance Division also
kepatuhan dimana tertuang dalam Pedoman gives compliance opinion which contained in
Kebijakan dan Pembiayaan, baik atas usulan the Policy and Funding Guidelines, both for the
pembiayaan, produk baru maupun aktivitas baru, proposed financing, new products or new
sehingga tetap comply dengan aturan yang activity, so it can comply with the applicable
berlaku. rules.
Kajian Regulasi Eksternal External Regulation Study

Terhadap regulasi/peraturan yang baru dari pihak Against the new regulation from external parties,
eksternal, dalam hal ini Bank Indonesia, in this case Central Bank of Indonesia, the
Perseroan melalui Divisi Kepatuhan selalu Company through the Division of Compliance is
melakukan sosialisasi dan kajian lebih mendalam always socializing and has more in-depth study
terhadap aturan tersebut kepada seluruh unit of the regulation to all relevant work units, and
kerja terkait, dan atas aturan tersebut juga the rules are also used as a data bank that can
dijadikan sebagai bank data yang dapat diakses be accessed directly through the compliance
secara langsung melalui web kepatuhan. web.
Sistem Informasi Kepatuhan Compliance Information Systems

Terkait sistem informasi kepatuhan, Perseroan In relation with compliance information
telah memiliki dan mengembangkan web yang di systems, the Company has owned and
dalamnya memuat peraturan-peraturan baik developed a web in which contain regulations
internal maupun eksternal yang dapat diakses both internally and externally that can be
oleh seluruh unit kerja/karyawan dengan portal accessed by all unit / employee at
http;//bsbkycp/dkpt/ http://bsbkycp/dkpt/
Monitoring dan Supporting Monitoring and Supporting

Monitoring yang dilakukan antara lain dengan Monitoring activity that has been done such as
menindaklanjuti hasil temuan Bank Indonesia by following up the findings from Central Bank
maupun LHA SKAI. of Indonesia or Audit Report from Internal Audit
Task Force.
human resources
sumber daya insani
Pengembangan.
“Guna memenangkan persaingan secara
sehat, Perseroan fokus terhadap
pengembangan sumber daya insani dengan
cara peningkatan kompetensi berlandaskan
pada nilai-nilai budaya Perseroan”.
Development.“To win healthy competition, the Company

has focused on human resource development by improving the
based on the values of corporate culture”.
Sumber daya insani (SDI) merupakan salah Human Resource (HR) has becoming one
satu aset dan kunci penting dalam menghadapi of the assets and important key in facing tight
persaingan bisnis yang makin ketat. Terkait de- business competition. Related to that, the
ngan hal itu, Perseroan meyakini bahwa untuk Company believe that to achieved business tar-
mencapai target bisnis yang telah ditentukan, get that has been determined, then the mana-
maka pengelolaan dan pengembangan SDI harus gement and development of HR must be done
dilakukan secara tepat dan kontinu, baik secara correctly and continuously, both quantitatively
kuantitatif maupun kualitatif. and qualitatively.
Untuk meningkatkan pengembangan dan pem- To enhance the development and

berdayaan SDI, pada 2011 Perseroan telah empowerment of HR, in 2011, the Company
banyak melakukan training, workshop, dan juga has conducted training, workshops, and
seminar. Training tersebut ada yang bersifat seminars. Some training are mandatory, namely
mandatory, yakni karena tuntutan jabatan atau because of the demands of the position or
tugas, seperti sertifikasi manajemen risiko. Ada duties, such as risk management certification.
pula training yang bersifat program khusus, den- There are also training programs that are
gan jangka waktu yang relatif lebih lama, seperti specific, with relatively long periods of time,
Officer Development Program (ODP), training da- such as the Officer Development Program
sar-dasar pembiayaan, atau dasar-dasar opera- (ODP), the basics of finance training, or
sional. Selain itu, ada yang bersifat reguler, operational basics. Aside of that, there are also
seperti training teknis operasional dan training a regular training, such as operational technical
untuk support. training and training for support.
Sedangkan, dari sisi rekrutmen, Perseroan Meanwhile, in terms of recruitment, the

merekrut beberapa level middle management Company has hired several middle management
dari berbagai bank syariah lainnya, yang siap level from various other Islamic banks, whose
untuk bersaing mengejar target. Special hire ready to compete to achieved target. Special
level officer atau manager juga sudah dilakukan hire level officer or manager has also been
dalam rangka mempercepat pencapaian target conducted in order to accelerate the
bisnis. achievement of business targets.
Selain mengadakan berbagai pelatihan, Beside holding on to various training,

pengembangan kualitas dan kompetensi SDI development of quality and HR competence
dilakukan dengan cara memaksimalkan peran has also done by maximizing the role of line
para line manager (LM). LM dianggap berperan manager (LM). LM is considered has an
penting dalam mendorong tiap karyawan untuk important role in encouraging each employee to
meningkatkan kemampuannya melalui proses improve its capabilities through the process
bimbingan (coaching), mentoring, shadowing, guidance (coaching), mentoring, shadowing,
dan on the job training. and on the job training.
Diharapkan, para LM dapat menyadari peran Hopefully LM could realize this important role
penting tersebut sehingga mampu mempercepat so could accelerate the achievement of target
pencapaian target yang diinginkan. Dibanding- achievement. Compared with 2010, number of
kan dengan 2010, jumlah LM sudah jauh lebih LM this year are more bigger. Thus, more
HUMAN RESOURCES
82 Sumber Daya Insani BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
banyak. Dengan demikian, lebih banyak pula superior could get involved in developing their
atasan yang dapat terlibat dalam pengembangan subordinates.
bawahannya.
Agar tercipta keselarasan proses di semua level, In order to create the alignment process at all
Perseroan juga terus melakukan upaya konkret levels, the Company has also continued to
yang ditujukan untuk membentuk budaya make concrete efforts aimed to establish a
perusahaan yang dapat dipahami, diinternalisasi, corporate culture that can be understood,
dan sekaligus dapat diimplementasikan oleh internalized, and also can be implemented by
seluruh karyawan. Berikut ini berbagai all employees. Following the Company’s
pencapaian Perseroan di bidang SDI: accomplishments in the field of HR:
Program Harmonisasi Karyawan Employee Harmonization Program

Pada Juni 2011 proses harmonisasi sistem On June 2011 the process of employee
kekaryawanan hampir 100% selesai dilakukan harmonization system was almost 100%
dengan bergabung menjadi satu dengan completed by joining together with former
karyawan eks UUS PT Bank Bukopin, Tbk yang employees into PT Bank Bukopin Tbk, Shariah
telah melewati masa penugasan di Perseroan Business Unit that have been through an
selama dua tahun. Praktiknya, Program assignment at the Company for two years. In
Harmonisasi Karyawan mencakup, antara lain practice, Employee Harmonization Program
kompensasi benefit, kedisiplinan karyawan, include, among other, compensation benefits,
penilaian kinerja, penerapan budaya perusahaan, employee discipline, performance appraisal, the
serta aturan-aturan lainnya. application of corporate culture, as well as
other rules.
Rekrutmen Karyawan Employee Recruitment

Sepanjang 2011, Perseroan telah melakukan Throughout 2011, the Company has been done
rekrutmen karyawan untuk memenuhi kebutuhan several employee recruitment to fill the need of
usaha (bisnis), operasional, dan support secara sustainability human resource in business,
berkesinambungan. Perseroan merekrut operational and support. The Company has
sejumlah pegawai di level middle management, recruited numbers of employee in middle
mulai dari level kepala divisi, manajer, dan officer management level, from head of division level,
dari berbagai bank syariah lainnya, yang siap manager and officer from other Islamic bank,
bersaing mengejar target Perseroan. whose ready to achieve the Company’s target.
Training Karyawan Employee Training

Selain melakukan training karyawan yang In addition to doing employee training program
bersifat program, seperti ODP, Program such as ODP, Branch Operational Program, and
Operasional Cabang, serta Program Dasar-Dasar also Basic Islamic Financing Program, the
Pembiayaan Syariah, Perseroan melakukan Company made a variety of training aimed at
berbagai pelatihan yang ditujukan untuk improving the technical competence in the
meningkatkan kompetensi teknikal di posisi position of account officer (AO)/relationship
account officer (AO)/Relationship officer (RO), officer (RO), and other function as well as
dan fungsi lainnya seperti pelayanan nasabah, customer service, marketing, IT, risk
marketing atau pemasaran, TI, manajemen risiko, management, compliance, and other operations
kepatuhan, dan bagian operasional lainnya yang that support the Company’s business.
mendukung usaha Perseroan.
Database Karyawan Employee Database

Selama 2011, Perseroan telah berhasil me- During 2011, the Company has successfully in-
lakukan peningkatan dan pengembangan data- creased and developed its employee database.
base karyawan. Pencapaian tersebut diharapkan The achievement was expected to help accele-
mampu mengakselerasi akses data menjadi lebih rate data access to becomes more accurate
akurat dan cepat. Pada 2011 juga telah disosiali- and faster. In 2011, web for human resources
sasikan web SDI yang memudahkan karyawan (HR) has also been socialized to facilitate em-
untuk mengakses secara real time absensi, uang ployees to access real-time attendance, meal,
makan, dan transport. Hal tersebut tentu sangat and transport allowance. It is certainly very
berguna untuk membantu proses monitoring ata- useful to assist in terms of monitoring from su-
san terhadap bawahannya. pervisor to his subordinates.
Berikut ini data dan komposisi karyawan Per- Following are data and the composition of the
seroan hingga posisi Desember 2011: Company’s employees up to December 2011:
Komposisi Karyawan Menurut Jenjang Jabatan

Employee Composition Based on Occupation Level
Jabatan/Occupation 31 Desember 2011/December 31, 2011

Assistant Vice President (AVP) 19
Manager (MGR) 19
Assistant Manager (AM) 39
Senior Clerk 195
Junior Clerk 169
Non Clerk 51
Jumlah/Total 492
Komposisi Karyawan Menurut Usia

Employee Composition Based On Age
Usia/Age 31 Desember 2011/December 31, 2011
> 20 Thn - < 25 Thn 95
> 25 Thn - < 30 Thn 168
> 30 Thn - < 35 Thn 88
> 35 Thn - < 40 Thn 43
> 40 Thn - < 45 Thn 45
> 45 Thn - < 50 Thn 33
> 50 Thn - < 55 Thn 15
> 55 Thn 5
Jumlah/Total 492
Komposisi Karyawan Menurut Jenjang Pendidikan

Employee Composition Based On Education Level
Jenjang Pendidikan/Education Level 31 Desember 2011/December 31, 2011
S2/Master Degree 10
S1/Bachelor Degree 315
D3/Diploma 97
< SMA/Senior High School 70
Jumlah/Total 492
HUMAN RESOURCES
Komposisi Karyawan Menurut Status Kantor

Employee Composition Based on Office Status
Status Kantor/Office Status 31 Desember 2011/December 31, 2011
Tetap/Permanent Kontrak/Contract Jumlah/Total
Kantor Pusat/Head Office 129 76 205
Kantor Cabang/Branch Office 113 142 255
Kantor Cabang Pembantu 14 18 32
/Sub Branch Office
Jumlah/Total 256 236 492
Officer Development Program (ODP) dan Ma- Officer Development Program (ODP) and
nagement Development Program Management Development Program
Setelah berhasil mencetak lulusan ODP I pada After graduated ODP I in June 2010, the
Juni 2010, Perseroan berhasil memaksimalkan Company managed to maximize the ability of
kemampuan para lulusan tersebut pada 2011. graduates in 2011. ODP I graduates already
Para lulusan ODP I tersebut sudah banyak ber- have involvement in supporting the
peran dalam mendukung pencapaian target Per- achievement of the company target. A number
seroan. Sejumlah lulusan ODP sudah ditugaskan of ODP graduates already assigned to the
ke cabang-cabang. Dengan berjalannya waktu branches. As time passes and needs of the
dan kebutuhan organisasi, terdapat 6 (enam) organization, there were six people who have
orang lulusan ODP yang sudah dipromosikan se- graduated from ODP was promoted to
bagai manajer. manager.
Untuk pengembangan selanjutnya, akan dise- For further development, talent management
lenggarakan program talent management yang program will be implemented in 2012. In the
rencananya diimplementasikan pada tahun 2012. program, each employee will be mapped to be
Pada program tersebut, setiap karyawan akan identified and categorized. Then, it will be
di-mapping untuk diidentifikasi dan dikelompok- developed customized based on their potential
kan. Kemudian, disesuaikan pengembangannya and the resulting performance.
dengan potensi yang dimiliki dan kinerja yang di-
hasilkan.
Program pelatihan untuk pengembangan karya- Training programs in 2012 for employee
wan pada 2012 adalah training Management De- development was Management Development
velopment Program. Secara umum hampir sama Program. In general, similar to the ODP, but
dengan ODP program, akan tetapi program train- this training program was tailored to improve
ing ini sudah disesuaikan dengan peningkatan the quality and training methods to meet future
kualitas dan metode training untuk memenuhi business demands
tuntutan bisnis mendatang.
Sertifikasi Manajemen Risiko Risk Management Certification

Perseroan sangat concern terhadap program The Company was very concerned about risk
sertifikasi manajemen risiko. Selain diwajibkan management certification program. In addition
oleh aturan dalam Peraturan Bank Indonesia to rules required by Bank Indonesia Regulation
(PBI) No.12/7/PBI/2010, program ini sangat pen- (PBI) No.12/7/PBI/2010, this program is
ting untuk menunjang kesinambungan bisnis essential to support sustainability business. To
yang sehat. Untuk itu, secara simultan Perseroan that end, the Company must continue to
harus terus melakukan training sertifikasi mana- simultaneously perform risk management
jemen risiko yang dilaporkan secara berkala ke- certification training which regularly reported to
pada Bank Indonesia (BI). Central Bank of Indonesia (BI).
TABEL REALISASI SERTIFIKASI MANAJEMEN RISIKO

PT BANK SYARIAH BUKOPIN 2011
Table Realization Risk Management Certification
PT Bank Syariah Bukopin 2011
No Jabatan/Occupation Keterangan/
Remarks
1 Komisaris/Commissioners 67%
2 Direksi/Directors 100%
3 Kepala Divisi/Head of Division 61%
4 Pimpinan Cabang/Branch Manager 50%
5 Manajer/Manager 59%
6 Staf Divisi Manajemen Resiko 100%
dan Kepatuhan/Risk Management
& Compliance Staff Division
Hingga saat ini untuk level Direksi seluruhnya Up to now for level Board of Directors has met all
sudah memenuhi ketentuan PBI, di mana pihak- the stipulation of PBI, in which the parties
pihak yang bersangkutan telah berhasil lulus uji concerned has successfully passed the
kompetensi manajemen risiko dan mendapatkan competency test and obtain a level four
sertifikat manajemen risiko level empat. Untuk certificate for risk management. For some
beberapa jabatan lainnya, seperti Kepala Divisi, position, such as head of department, branch
pemimpin cabang, dan manajer, beberapa di manager, and managers, some of which has
antaranya sudah ada yang memenuhi ketentuan already meet the requirements in this regulation.
dalam PBI. Tapi, ada juga yang sedang dalam But, some were in the process of the training
proses mengikuti training dan ujian untuk me- and exams to meet existing regulations.
menuhi ketentuan yang ada. Ekspektasinya, Hopefully, all employees in 2012 can the
pada 2012 semua karyawan dapat memenuhi certification as required by Central Bank of
sertifikasi sesuai dengan yang dipersyaratkan Indonesia.
oleh BI.
Strategi Strategy
Pencapaian-pencapaian tersebut merupakan Those achievements were the result from the
hasil konsistensi implementasi strategi Persero- consistency of the Company implementation
an dalam mengembangkan dan mengelola SDI. strategy in developing and managing the Human
Strategi utama Perseroan sepanjang 2011 Resources (HR). The main strategy of the
adalah pemenuhan jumlah karyawan dan pe- Company during 2011 was fulfillment of the
ningkatan kompetensi karyawan secara umum. number of employees and improving the
Mengingat, antara supply dan demand dalam competence of employees in general.
industri perbankan syariah di Indonesia belum Considering, between supply and demand in
seimbang. Karena itu, perbankan syariah masih Indonesia Islamic banking industry has not been
berkutat dalam ”war of talent”, di mana orang- balanced. Therefore, Islamic banking is still
orang yang bagus diperebutkan pelaku per- struggling in the “war of talent”, in which the
bankan syariah di negeri ini. Dukungan, arahan, fought between Islamic banking players still on
dan komitmen manajemen dalam hal ini sangat regarding good talent in the country. Support,
penting untuk pengembangan SDI saat ini dan guidance, and management commitment in this
masa mendatang. SDI tidak mungkin akan ber- regard is very good for the development of HR at
hasil tanpa dukungan seluruh manajemen dan this time and in the future. HR is not likely to
karyawan. succeed without the support of all management
and employees.
HUMAN RESOURCES
Target Target
Target, sasaran, dan proses yang akan dicapai Target, goal, and the process to be achieved by
Perseroan di bidang SDI pada tahun 2012 seca- the Company in 2012 generally were have to be
ra umum adalah mampu bersaing dengan bank able to compete with other Islamic banks, with a
syariah lainnya, dengan fokus pada tujuan kor- focus on corporate objectives,in which budget
porasi, yaitu target anggaran yang sudah dite- target has been set. HR has a supports for a
tapkan. SDI berperan mendukung Perseroan un- role in the company to always ready to achieve
tuk selalu siap untuk mencapai anggaran yang the specified budget. Those Support focus on
ditetapkan tersebut. Dukungan yang diberikan business needs and consider the other support
fokus terhadap kebutuhan bisnis dan tetap that impact on business.
memperhatikan bagian support lainnya yang ber-
dampak pada bisnis.
LAPORAN REALISASI TRAINING - BANK SYARIAH BUKOPIN TAHUN 2011

Training Realization Report – Bank Syariah Bukopin 2011
Tahun Bulan No Nama Training Tanggal
Year Month No Training Name Date
2011 Januari 1 Training Manajemen Risiko - SMR level 2 10 - 12 Januari 2011
January Risk Management Training – SMR Level 2 January 10th - 12th, 2011
2 Workshop Internal Kontrol -Bukopin 13 - 15 Januari 2011
Internal Control Workshop – Bukopin January 13th – 15th, 2011
3 Training PDPS 22 - 25 Januari 2011
PDPS Training January 22th – 25th, 2011
4 Workshop Operasional BSB 26 - 28 Januari 2011
BSB Operational Workshop January 26th – 28th, 2011
Februari 5 Training Call Center 12 - 19 Februari 2011
February Call Center Training February 12th – 19th, 2011
6 Rakor Pimpinan Cabang BSB 23 Februari 2011
Coordination Meeting for BSB Branch Manager February 23rd, 2011
7 Seminar FKDKP 23 - 25 Februari 2011
FKDKP Seminar February 23th – 25th, 2011
8 Ujian SMR 26 Februari 2011
SMR Examination February 26th, 2011
Maret 9 Sosialisasi Setor, Bayar transaksi Perbankan 09 Maret 2011
March Socialization of deposit, pay, banking transactions March 9th, 2011
10 Seminar Kontrak Kerja & PHK 24 Maret 2011
Seminar on Employment Contracts and Layoffs March 24th, 2011
April 11 Seminar IT & SOP Wakaf Uang 04 April 2011
April IT and SOP of Endowment Money Seminar April 4th, 2011
12 Training SID ver 6 18 - 22 April 2011
SID Ver 6 Training April 18th – 22nd, 2011
13 Training Selling Skill & Motivation 20 April 2011
Selling Skill & Motivation Seminar April 20th, 2011
14 Seminar Internasional Islamic Finance Bank Indonesia 20 - 21 April 2011
International Islamic Finance Bank Indonesia Seminar April 20th – 21th, 2011
15 Training Sharing Vision - IT 19 - 20 April 2011
Sharing Vision Training – IT April 19th – 20th, 2011
16 Training Operasional & Pelayanan 20 - 22 April 2011
Operational & Services Training April 20th – 22nd, 2011
Mei 17 Training Operasional & Pelayanan 10 Mei 2011
May Operational & Services Training May 10th, 2011
18 Seminar Operasional - alat pembayaran 11 - 12 Mei 2011
Operational Seminar – Payment Tools May 11th – 12th, 2011
19 Training Operasional & Pelayanan 14 Mei 2011
Operational & Services Training May 14th, 2011
20 Training Operasional & Pelayanan 25 - 28 Mei 2011
Operational & Services Training May 25 – 28, 2011
21 Seminar Prospek Perbankan 24 Mei 2011
Banking Prospect Seminar May 24th, 2011
22 Training BSMR level 3 20 Mei 2011
BSMR Level 3 Training May 20th, 2011
Juni 23 Training Keaslian Uang 18 Juni 2011
June Money Authenticity Training June 18th, 2011
24 Training Operasional & Pelayanan 11 Juni 2011
Operational & Services Training June 11th, 2011
25 Training PDPS batch 2 23 - 25 Juni 2011
PDPS Batch 2 Training June 23th – 25th, 2011
26 Seminar Operasional - alat pembayaran 24- 26 Juni 2011
Operational Seminar – Payment Tools June 24th – 26th, 2011
27 Sertifikasi Manajemen Risiko level 1 25 Juni 2011
Risk Management Certification Level 1 June 25th, 2011
Juli 28 Seminar FGD Pasar Syariah 7 - 9 Juli 2011
July FGD Syariah Market Seminar July 7th – 9th, 2011
29 Seminar IT Audit 18 Juli 2011
IT Audit Seminar July 18th, 2011
30 Training Delivery Channel 22 - 23 Juli 2011
Delivery Channel Training July 22nd – 23th, 2011
Agustus 31 Training ODP IT Agustus - Sept 2011
August ODP IT Training August – September 2011
32 Training SMR direksi 2 - 3 Agustus 2011
SMR for Directors Seminar August 2nd – 3rd, 2011
33 Training Kepribadian & Komunikasi 20 Agustus 2011
Personality & Communication Training August 20th, 2011
September 34 Raker Direktorat Bisnis 14 - 15 September 2011
September Work Meeting Business Directorate September 14 – 15, 2011
35 Sosialisai Penyetoran Uang 20 - 21 September 2011
Socialization of Money Deposit September 20th – 21th, 2011
36 Seminar SKN BI, Daftar Hitam 22 - 23 September 2011
SKN BI Seminar, Black List September 22nd – 23rd, 2011
37 Seminar Enterprise Data Warehouse 29-30 September 2011
Enterprise Data Warehouse Seminar September 29th – 30th, 2011
Oktober 38 Training Evaluasi Layanan Kas 01 Oktober 2011
Cash Services Training Evaluation October 1st, 2011
October 39 Kunjungan Kerja ke BI & PERURI dan Sosialisasi Penyetoran Uang cab. Bukit Tinggi 4 - 7 Oktober 2011
Working visit to BI and PERURI and Socialization of Money Deposit in Bukit Tinggi branch October 4th – 7th, 2011
40 Workshop Evaluasi Anggaran 15 - 17 Oktober 2011
Budget Evaluation Workshop October 15th – 17th, 2011
41 Training Dasar-dasar Pembiayaan Syariah 17 - 25 Oktober 2011
Basic Syariah Financing Training October 17th – 25th, 2011
42 Training Management Risiko level 1 untuk Komisaris BSB 20 - 22 Oktober 2011
Risk Management Training Level 1 for BSB Commissioners October 20th – 22nd, 2011
43 Sosialisasi Penyetoran Uang cabang Samarinda Oktober 2011
Money Deposit Socialization for Samarinda branch October 2011
44 Training Sharing Vision - IT 26 - 29 Oktober 2011
Sharing Vision Training - IT October 26th – 29th, 2011
45 Training Sistim Informasi Administrasi Pembiayaan 29 Oktober 2011
Training Payment Administration Information System October 29th, 2011
November 46 Seminar Payroll Administrasi System 09 - 10 November 2011
November Payroll Admionistration System Seminar November 9th – 10th, 2011
47 Training Kliring BI 11 - 13 November 2011
BI Clearing Training November 11st – 13rd, 2011
48 Seminar Jurus Mengatasi Hutang Bermasalah 11 November 2011
How To handle Bad Debt Seminar November 11st, 2011
49 Certified Telent Management Professional 22 - 24 November 2011
Certified Talent Management Professional November 22nd – 24th, 2011
Desember 50 Training Setor Bayar - Bank Indonesia 2 - 4 Desember 2011
December Pay Deposit Training – Bank Indonesia December 2nd – 4th, 2011
51 Seminar Itijma Sanawi 4 - 6 Desember 2011
Itijma Sanawi Training December 4th – 6th, 2011
52 Rapat Kerja anggaran 2012 7 - 10 Desember 2011
2012 Budget Work Meeting December 7th - 10th, 2011
53 Training Penyusunan Indeks MRO 22 Desember 2011
Indexing MRO Training December 22nd, 2011
information & technology

teknologi dan informasi
Cooperation.“IT development is always aligned with the focus of the

Company which emphasizes the urgency of business development. Involvement and
cooperation with various parties that become basis of business processes carried out to
support the target of increasing source of low cost and fee-based income”.
Dalam rangka mendukung proses In order to support the business development

pengembangan bisnis, Perseroan menyiapkan process, the Company set up a reliable system
sistem TI yang andal agar dapat memenuhi IT in order to meet future business demands.
tuntutan bisnis di masa depan. Hal itu sejalan This support is in line with the strategic plan of
dengan rencana strategis TI (information IT (information technology strategic plan or
technology strategic plan atau (ITSP)) yang (ITSP)), formulated by the Company.
dirumuskan oleh Perseroan.
Pada 2011 pengembangan TI diselaraskan In 2011, IT development has aligned with the
dengan fokus Perseroan yang lebih menekankan Company’s focus that was more emphasis on
pada urgensi pengembangan usaha. Dalam the urgency of business development. In the
proses tersebut, Perseroan bekerja sama dengan process, the Company has worked with various
berbagai pihak sehingga dapat mendukung parties to support the target of increasing
target peningkatan sumber dana murah dan fee source of low cost funds and fee-based income.
based income. Hal tersebut berbeda dengan This process different from the Direction of
arah pengembangan TI Perseroan pada 2010 Company IT development in 2010 that focused
yang lebih difokuskan pada pengembangan on the development of existing business before
bisnis yang sudah ada sebelum spin-off. the spin-off.
Beberapa proses kerja sama TI yang dilakukan Some of the IT process of cooperation
Perseroan sepanjang 2011 adalah sebagai undertaken during 2011 the Company were as
berikut: follows:
• Kerja sama teknologi dengan beberapa Amal • Technological cooperation with some of
Usaha Muhammadiyah untuk bidang rumah Muhammadiyah Charity Enterprises to
sakit dan pendidikan (sumbangan hospitals and education field (donations to
penyelenggaraan pendidikan, payroll); provide education, payroll);
• Kerja sama teknologi dengan Pengurus • Technological cooperation with Central
Pusat Muhammadiyah dalam mendukung Board of Muhammadiyah to support the
sistem monitoring aset dan liabilities Amal monitoring system of assets and liabilities
Usaha Muhammadiyah secara berjenjang, Muhammadiyah Charity Enterprises steps by
mulai dari tingkat pengurus pusat, pengurus steps, starting from the central board, the
wilayah, pengurus daerah, pengurus cabang, management area, local officials, branch
hingga pengurus ranting Muhammadiyah; managers, up to sub branch of
Muhammadiyah;
• Kerja sama dengan PT PLN (Perusahaan • Cooperation with PT PLN (State Electricity
Listrik Negara) dalam switching hulu, Company) the upstream switching, the
switching hilir, dan collecting agent PLN downstream switching, and the collecting
untuk pembayaran listrik postpaid, prepaid, agent for the payment of PLN electricity
maupun auto debet. Kerja sama dengan postpaid, prepaid, or auto debit.
collecting agent tersebut juga dikembangkan Cooperation with the collecting agent has
untuk pembayaran telepon/handphone; also developed for the payment of
telephone / mobile phone;
INFORMATION & TECHNOLOGY
90 Teknologi dan Informasi
• Kerja sama pengembangan aplikasi wakaf • Cooperation in endowments application

sebagai nazir dengan Badan Wakaf development as a nazir with National
Indonesia; Endowments Indonesia;
• Kerja sama dengan Kementerian Agama • Cooperation with the Ministry of Religious
dalam pengembangan sistem pembayaran Affairs in the development of online
Biaya Penyelenggaraan Ibadah Haji (BPIH) payment systems for Hajj Operation Costs
online secara host to host sebagai bank (BPIH) in host to host as the recipient bank
penerima setoran haji; for hajj deposit;
• Menyediakan layanan cash management • Provide cash management system service
system bagi beberapa rekanan/nasabah for some partner/corporate client to
korporat dalam memonitor aset, liabilities, monitor asset, liabilities, or partner’s
maupun transaksi keuangan rekanan; financial transaction;
• Mendukung pengembangan teknologi untuk • Support technology development for Solo
cabang Solo dan Makassar yang baru and Makassar branch that recently open.
dibuka. Terutama, untuk mendukung kerja Mostly to support the Company
sama antara Perseroan dengan perusahaan cooperation with Amanah Finance, a
multifinance Amanah Finance di cabang multifinance company in Makassar branch;
Makassar;
• Kerja sama dengan PT Bank Bukopin, Tbk, • Work closely with conventional PT Bank
konvensional untuk penerapan delivery Bukopin, Tbk, to implemet delivery channel
channel dalam rangka menambah nasabah in regard to add new customer in the area
baru di daerah yang belum terdapat outlet that do not have outlet in the Company and
Perseroan serta memberikan layanan kepada also to give services to customer through
nasabah melalui outlet PT Bank Bukopin, outlet of PT Bank Bukopin, Tbk.
Tbk.
Selain kerja sama tersebut, sepanjang 2011 In addition to those cooperation, throughout
Perseroan telah melakukan sejumlah inovasi 2011 the Company has conducted a number of
pengembangan TI. Di antaranya, penerapan ITSP innovative IT development. Among other things,
dan information technology service management the application of ITSP and information
(ITSM) dan Information Security Management technology service management (ITSM) and
System (ISMS); pengembangan aplikasi dan Information Security Management System
kerja sama bidang teknologi dengan rumah sakit (ISMS); application development and
maupun perguruan tinggi; serta pengembangan technology cooperation with hospitals and
aplikasi delivery channel, auto debet, sistem universities; and application development for
informasi jaminan dan asuransi, laporan kantor delivery channel, auto debit, guarantees and
pusat bank umum (LKPBU), kuis online, virtual insurance information systems, headquarters
account, interface sistem kliring nasional (SKN), commercial bank reports (LKPBU ), online
real time gross settlement (RTGS), dan quizzes, virtual account, the national clearing
reporting data warehouse. system interface (SKN), real time gross
settlement (RTGS), and reporting data
warehouse.
Pada periode yang sama, Perseroan juga telah In the same period, the Company has also
memiliki tata kelola TI dalam mendukung proses support IT governance processes to support
compliance sehingga pelaporan yang disusun compliance process so the report would be
telah memenuhi standar aturan perbankan prepared in accordance with the standard rules
syariah sesuai dengan aturan yang ditetapkan of Islamic banking stipulated by BI. The
BI. Perseroan menyadari bahwa ke depan Company realizes that in the future the
tantangan yang dihadapi dalam bisnis perbankan challenges for Islamic banking business will
syariah makin berat sehingga dibutuhkan increase heavily, in that case it will needed
dukungan teknologi perbankan syariah yang support from reliable technology for Islamic
andal dalam mendukung proses bisnis banking in supporting business processes of the
Perseroan. Company.
Terkait dengan hal itu, pengembangan TI Associated with it, IT development of the
Perseroan pada tahun mendatang lebih diarah- Company in the coming year is more focused on
kan pada kebutuhan dan perkembangan bisnis the needs and business development separate
dengan memisahkan diri secara teknologi dari themselves technologicaly from its holding
holding company-nya, yaitu PT Bank Bukopin, company, namely PT Bank Bukopin, Tbk. Thus,
Tbk. Dengan demikian, Perseroan dapat mandiri the Company could be independent in
di bidang implementasi dan inovasi TI. implementation and IT innovation.
Untuk mencapai kemandirian TI tersebut, ada To achieve IT independence, there were targets
target yang akan diwujudkan Perseroan pada that the Company has to be realized in the next
periode ke depan, yakni pembangunan switching period, the construction of a switching system
system yang merupakan salah satu bagian which has become one important part in the
penting dalam tahap awal pengembangan TI early stages of the Company's IT development
Perseroan untuk masa mendatang. Sejalan in the future. Related to that, in accordance with
dengan itu, sesuai dengan harapan regulator the expectations of the country’s banking
perbankan di negeri ini, pada 2013 Perseroan regulator, in 2013, the Company is expected to
diharapkan dapat memiliki card management have the card management itself and not be
sendiri dan tidak lagi bergantung pada PT Bank dependent on PT Bank Bukopin, Tbk.
Bukopin, Tbk.
INFORMATION & TECHNOLOGY
92 Teknologi dan Informasi
Sebagai bentuk upaya pengembangan TI ke As an IT development efforts in the future, here

depan, inilah sejumlah kerja sama dan inovasi are some collaboration and innovation that the
yang akan dilakukan Perseroan: Company will do:
• Membuka kantor cabang, kantor cabang • Open branch office, sub-branch office and
pembantu (capem), maupun kantor kas also cash office (outlet) as many as
(outlet) sebanyak mungkin, baik secara possible, independently or through delivery
mandiri maupun melalui kerja sama delivery channel cooperation with PT Bank Bukopin,
channel dengan PT Bank Bukopin, Tbk; Tbk;
• Mempererat kerjasama dengan organisasi • Strengthen the collaboration with Islamic
Islam yaitu Muhammadiyah, terutama terkait organization Muhammadiyah, specially
dengan teknologi, yakni berupa related to technology, namely application
pengembangan aplikasi pembayaran development of payment for education
sumbangan pembinaan pendidikan (SPP), development and contribution/education
cash management, rumah sakit, liquidity tuition fee (SPP), cash management,
management, dan aplikasi lainnya; hospital, liquidity management, and other
application;
• Melakukan pengadaan switching e-channel • Procurement for switching e-channel and
dan biller secara mandiri; biller independently;
• Mengimplementasikan aplikasi pembiayaan • Implement the application of consumptive

konsumtif pola channeling melalui kerja sama finance channeling scheme by join
dengan berbagai perusahaan multifinance; collaboration with various multifinance
company;
• Mengimplementasikan aplikasi scoring PRPI; • Implement the scoring PRPI application;
• Mengembangkan self assessment market risk • Develop self assessment market risk
operations (MRO); operations (MRO);
• Mengembangkan loan origination system; • Develop loan origination system;
• Mengembangkan aplikasi liquidity • Develop liquidity management application
management yang dapat dimanfaatkan that can be used by partnership company;
perusahaan rekanan;
• Mengembangkan aplikasi giro matic yang • Develop giro matic application that can be
dapat dimanfaatkan oleh perusahaan used by partnership company.
rekanan.
divisions supporting
dukungan divisi
Apresiasi.
”Kerja keras, kreativitas,
inovasi, dan koordinasi
antardivisi dan antarunit
mendukung peningkatan
kinerja Perseroan hingga
mendapatkan apresiasi
positif dari pihak-pihak yang
berkompeten di industri
perbankan syariah”.
Appreciation.“Hard work, creativity,

innovation, and coordination inter-divisional and
inter-units, support the improvement of the
performance of the Company to gain a positive
appreciation of the competent parties in the Islamic
banking industry”.
Pelayanan merupakan salah satu elemen Services among other are the most
penting untuk meningkatkan daya saing important element to enhance the
Perseroan dalam industri perbankan syariah competitiveness of the Company in the
nasional. Sepanjang 2011, Perseroan telah nationwide Islamic banking industry.
melakukan pengembangan sarana, prasarana, Throughout 2011, the Company has made the
dan program kerja pelayanan secara menyeluruh development in overall of facilities,
dalam rangka menjaga sekaligus meningkatkan infrastructure, services and work program in
loyalitas nasabah terhadap Perseroan. order to maintain while improving customer
loyalty towards the Company.
Beberapa upaya yang dilakukan Perseroan di Several efforts were made throughout the
bidang pelayanan sepanjang 2011, antara lain service area of the Company in 2011, including
meningkatkan kualitas layanan. Di antaranya, improve service quality. Among other things, by
dengan menyederhanakan dan mempercepat simplified and speed up the process of
proses layanan, monitoring atas pelaksanaan services, monitoring the implementation of the
standar layanan yang ada, mendorong campaign existing service standards, service campaign to
pelayanan agar menjadi budaya kerja dan encourage a culture of work and implemented
diimplementasikan dalam aktivitas sehari-hari, in daily activities, as well as draw up the
serta menyusun panduan layanan front office guidelines for front office services and The
dan buku saku produk Perseroan. Company's Manual Book Product.
Kerja keras, kreativitas, inovasi, dan koordinasi Hard work, creativity, innovation, and
divisi layanan dengan divisi maupun unit lain, coordination services division with other
baik langsung maupun tidak langsung, mendu- divisions and units, either directly or indirectly,
kung peningkatan kinerja Perseroan dan menda- to support improved performance of the
pat apresiasi dari pihak di luar Perseroan. Di Company and received appreciation from
antaranya, dengan terpilihnya Perseroan sebagai parties outside the Company. Among other
peraih penghargaan "Indonesia Service To Care things, with the election of the Company as
Award 2011", The Best Banking & Service Indonesia’s award-winning Service To Care
Excellent Of The Year dalam "Asean Bisnis Award 2011, The Best Banking & Service
Award 2011", The Most Favourite Service Quality Excellent Of The Year in Asean Business Award
& Product For Shariah Banking dalam "Property 2011, The Most Favourite Service Quality &
& Banks Award 2011", serta beberapa Products For Sharia Banking in Property &
penghargaan di beberapa kategori dalam "The Banks Award 2011, as well as several awards in
8th Islamic Finance Award Nite 2011" several categories in the 8th Islamic Finance
berdasarkan hasil penilaian Karim Business award Nite 2011 is based on the results of
Consulting. Karim Business Consulting.
Pencapaian dan peningkatan layanan yang Achievement and improvement of the Company
dilakukan Perseroan sepanjang 2011 cukup services undertaken during 2011 is quite
signifikan dibandingkan dengan tahun-tahun significant compared to previous years. Some
sebelumnya. Beberapa pencapaian penting di important achievements in the field of service in
bidang layanan pada 2011 sebagai berikut: 2011 as follows:
DIVISIONS SUPPORTING
96 Dukungan Divisi BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
• Membuat buku “Standar Layanan Front • Create the book of “Standard Service Front
Office” dan buku “Buku Saku Produk Office” and the book of “The Company's
Perseroan”; Manual Book Product”;
• Membangun quiz online yang disebut • Establish an online quiz called the
Customer Service Quiz (CSQ) sebagai Customer Service Quiz (CSQ) as a booster
aplikasi penguat pengetahuan produk dan application of knowledge and information
informasi bagi front office; products for the front office;
• Bersama divisi dan unit kerja lain membuat • Together with other divisions and work units
Service Level Agreement (SLA) agar proses to make Service Level Agreement (SLA) to
layanan menjadi lebih sederhana, cepat, dan allow the service to be more simple, fast,
terukur. and scalable.
Apresiasi yang telah diberikan oleh pihak luar Appreciation that has been provided by outside
menjadi faktor penting bagi Perseroan ke depan parties is an important factor for the Company
untuk terus meningkatkan dan memberikan in the future to continue to improve and provide
pelayanan terbaik kepada nasabah. Oleh karena the best service to customers. Therefore, inter-
itu, kerja sama antar-unit di dalam Perseroan unit cooperation within the Company to provide
untuk memberikan layanan yang terbaik bagi the best service for customers also continue to
nasabah juga terus diupayakan. attempted.
Untuk mencapai komitmen tersebut, Perseroan To achieve this commitment, the Company
pun terus berupaya meningkatkan kualitas dan continues to improve the quality and
profesionalitas sumber daya insani (SDI) serta professionalism of human resources (HR) as
menyediakan sistem informasi dan sarana well as providing information systems and
pendukung kerja yang memadai, termasuk adequate backup facilities work, including
menetapkan kebijakan dan prosedur kerja serta setting policies and procedures as well as
organisasi yang kondusif dalam rangka conducive organization in order to improve
meningkatkan pelayanan kepada nasabah. service to customers.
Restrukturisasi Financing Restructuring

Penyelesaian Pembiayaan Settlement
Sepanjang 2011, Perseroan telah melakukan Throughout 2011, the Company has conducted
sejumlah peran penting di bidang restrukturisasi a number of important roles in restructuring
penyelesaian pembiayaan. Tujuan utama dalam financing completion. The main purpose of
restrukturisasi penyelesaian pembiayaan adalah restructuring financing completion is to rescue
melakukan penyelamatan dan/atau penyelesaian and / or completion of financing problems a
terhadap pembiayaan bermasalah ataupun pem- bogged down by putting forward an acceptable
biayaan yang macet dengan mengedepankan solution to all parties.
solusi yang dapat diterima oleh semua pihak.
Bagi debitur yang masih memiliki sumber For debtors who still have a source of payment
pembayaran dan debitur kooperatif, diupayakan and they show cooperative attitude, will
untuk direstrukturisasi. Namun, untuk debitur attempted to be restructured. However, for
yang sudah tidak memiliki sumber pembayaran, debtors who have no source of payment, the
penyelesaiannya adalah dengan menyerahkan solution is to submit a voluntary collateral or
jaminan secara sukarela atau menjual jaminan sell their guarantee without causing new
dengan tanpa menimbulkan permasalahan baru problems as well as cause the new costs
serta sedapat mungkin tidak menimbulkan regarding the completion of this financial
biaya-biaya dalam upaya penyelesaian pembia- settlement.The final goal for this financial
yaan dimaksud. Tujuan akhir penyelesaian completion problems is to get all accounts
pembiayaan bermasalah adalah memperoleh receivable or minimize the risk of losses for
seluruh piutang atau memperkecil risiko kerugian banks.
bagi bank.
Support Pembiayaan Financing Support
Kecepatan dan keakuratan menjadi fokus utama Speed and accuracy is the main focus of the
Perseroan di bidang dukungan pembiayaan atau Company in the field of financing support.
support pembiayaan. Kedua hal tersebut menjadi These two things are important to support the
penting guna mendukung proses bisnis dan business process can be to run properly and
dengan demikian, proses bisnis yang ditargetkan optimally.
bisa berjalan dengan tepat dan optimal.
Dalam rangka mengakselerasi proses bisnis, In order to accelerate business process,

khususnya di bidang pembiayaan, Perseroan especially in the field of financing, the Company
telah melakukan sejumlah langkah-langkah yang has done several steps that became the focus
menjadi fokus usaha dalam bidang kerja of efforts in the financing work field, including:
pembiayaan, di antaranya:
• Membuat Pedoman Kegiatan Operasi Investi- • Create Guidelines for Funding Operations
gasi Pembiayaan (IP) yang disesuaikan dengan Investigation that are adapted with
ketentuan Standar Penilai Indonesia (SPI); Indonesia’s Appraisal Standard;
• Membangun Aplikasi Sistem Informasi Admi- • Build Financing Administration Information
nistrasi Pembiayaan (SIAP). System application.
Penetapan ketentuan Pedoman Kegiatan Opera- The establishment of Guidelines for Operations
si Investigasi Pembiayaan (IP), dapat menyera- Activities of Financing Investigation can
gamkan pandangan dan tindakan dalam pelak- homogenizes outlook and action in fulfilling
sanaan tugas dan fungsi Investigator Pembiaya- Financing Investigator job and function, and to
an serta terpenuhinya kewajiban ke Bank Indo- meet an obligation to Central Bank of Indonesia
nesia (BI) untuk penerbitan dan penyediaan (BI) in publishing a system and procedure that
suatu sistim dan prosedur yang secara khusus specifically regulate Financing Investigation’s
mengatur kegiatan operasi IP. operational.
Aplikasi SIAP dibangun untuk menyeragamkan The Financing Administration Information

dan memudahkan proses administrasi data System application is established to
jaminan debitur antarcabang Perseroan. Dengan homogenizes and facilitate debtor’s warranty
implementasi SIAP kesulitan untuk mendapatkan data administration process between the
informasi data jaminan dapat teratasi dan Company’s branches. With the implementation
keamanan data jaminan dari ancaman virus atau of Financing Administration Information System
kerusakan komputer kerja dapat terjaga. application, the complication of getting
warranty data information can be solved and
the security of warranty data from the threats of
virus or the breakdown of work computer can
be maintained.
DIVISIONS SUPPORTING
98 Dukungan Divisi BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
Berkat dukungan penuh dari manajemen dan Thanks to full support from the management and
kerja sama yang baik antar-divisi, peningkatan good cooperation across divisions, governance
tata kelola administrasi di bidang pembiayaan administration improvement in the field of
pada 2011 dapat berjalan dengan baik. Dengan financing ran greatly in 2011. With that support,
dukungan tersebut, implementasi pedoman the implementation of Guidelines for Financing
kegiatan operasi IP dan implementasi aplikasi Investigation Operational and Financing
SIAP dapat terlaksana sesuai waktu dan target Administration Information System application
yang ditetapkan. can be accomplished on time and on determined
target.
Treasury Treasury
Untuk memenuhi kebutuhan likuiditas dan ekses To meet liquidity needs and the excess funds,
dana, baik secara kuantitas maupun kualitas, both in quantity and quality, the Company made
Perseroan melakukan langkah-langkah sebagai the following steps:
berikut:
• Menjaga batas atau limit internal giro wajib • Keep internal limit or statutory reserve (GWM)
minimum (GWM) rupiah di atas ambang of rupiah above the threshold set by Central
batas yang ditetapkan oleh Bank Indonesia Bank of Indonesia (BI.
(BI).
• Memperluas hubungan dan jaringan kerja • Expanding relations and network of

sama dengan sebagian besar bank umum cooperation with the majority of Sharia
syariah (BUS) dan unit usaha syariah (UUS), Commercial Bank (BUS) and Sharia Business
khususnya kerja sama di bidang pasar uang Unit, especially cooperation in the interbank
antarbank (PUAB) yang menggunakan money market which use the interbank
sertifikat investasi mudharabah antarbank mudharabah investment certificates (SIMA).
(SIMA). Kerja sama tersebut sejalan dengan This join cooperation is in line with the
arah dan kebijakan Dewan Direksi Persero- direction and policies of the Board of
an untuk menggiatkan PUAB syariah. Directors of the Company to invigorate
sharia Interbank Money Market.
• Melakukan penempatan dana pada • Doing the funds placement in BI financial

instrumen keuangan BI dan instrumen instruments and other short-term financial
keuangan jangka pendek yang lain sebagai instrument as a liquidity reserve.
cadangan likuiditas.
• Memaksimalkan pemanfaatan ekses • Maximize the utilization of excess (surplus)

(kelebihan) dana pada penempatan yang funds to do placement of daily or long-term
bersifat harian ataupun jangka panjang, nature, such as the purchase of sharia
seperti pembelian instrumen surat berharga securities instruments, or sukuk.
syariah atau sukuk.
• Melakukan pengukuran terhadap kecukupan • Take measurements of the adequacy of

likuiditas melalui penyusunan proyeksi liquidity through the preparation of
cashflow dan liquidity gap secara rutin projected cash flow and liquidity gap on a
sehingga Perseroan dapat memanfaatkan regular basis so the Company can utilize
likuiditas secara tepat dan efisien sesuai liquidity appropriately and efficiently in
dengan kebutuhan. accordance with the requirements.
• Melakukan pemantauan rasio likuiditas, • Monitoring the liquidity ratio, among others,
antara lain dengan cara monitoring rasio by monitoring the ratio of financing of DPK,
pembiayaan terhadap DPK, rasio kewajiban the ratio of interbank liabilities, and cash to
antarbank, dan rasio kas terhadap DPK. deposits ratio.
corporate social responsibility

tanggung jawab sosial perusahaan
Bernilai Lebih.
“Tidak hanya meningkatkan kinerja secara ekonomi,
Perseroan juga selalu berupaya menciptakan nilai lebih
melalui kegiatan sosial dan kemanusiaan yang dibingkai
dalam aktivitas tanggung jawab sosial perusahaan”.
More Valuable.“Not only improve economic performance, the Company also always try to create more
value through social and humanitarian activities, framed in corporate social responsibility activities”.
Kepedulian dan keterlibatan perusahaan The Company concern and involvement in

secara intensif dan berkesinambungan dalam the intensive and continuous and also in the
dinamika dan kegiatan sosial masyarakat pada dynamics of social and community activities, at
titik tertentu akan memberikan nilai lebih dan some point will provide more value and impact
impact bagi perusahaan dalam jangka panjang. for the Company in the long run. Therefore, the
Karena itu, Perseroan menganggap penting Company considers that corporate social
tanggung jawab sosial perusahaan. Perseroan responsibility is important. The Company also
pun meyakini kegiatan tanggung jawab sosial believes corporate social responsibility activities
perusahaan akan memberikan pencitraan yang will provide good image for the Company.
baik bagi perusahaan.
Kegiatan tanggung jawab sosial perusahaan Corporate social responsibility is the Company’s
merupakan upaya Perseroan untuk mencapai efforts to achieve sustainability in the long run.
bisnis yang keberlanjutan dalam jangka The meaning of sustainable business is not only
panjang. Arti dari bisnis yang berkelanjutan seeking to maximize the Company’s economic
adalah Perseroan tidak hanya berupaya performance for shareholders, but also
memaksimalkan kinerja ekonomi untuk para throughly to contribute the maximum in the
pemegang saham, tapi juga secara menyeluruh social and environmental aspects.
berusaha memberikan kontribusi yang maksimal
dalam aspek sosial dan lingkungan.
Dengan pendekatan itu, yang berupa kinerja With this approach in a form of economic, social
ekonomi, sosial, dan lingkungan, diharapkan and environmental performance, where the
keberadaan Perseroan tidak hanya bermanfaat Company is expected to benefit not only to
bagi para pemegang saham, tapi juga untuk shareholders, but also for all stakeholders, more
segenap stakeholder yang lebih luas lagi, yakni broadly, the surrounding community. The
masyarakat sekitar. Perseroan meyakini, pende- Company believes this holistic approach will
katan menyeluruh seperti ini akan mendukung support the achievement of sustainable
tercapainya tujuan pembangunan yang development.
berkelanjutan.
CORPORATE SOCIAL RESPONSIBILITY
102 Tanggung Jawab Sosial Perusahaan BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
21 Juni 2011
Berikut ini kegiatan tanggung jawab Perseroan memberikan dana bantuan infak-
sosial perusahaan yang dilakukan sedekah untuk musholla di Bogor, Jawa Barat.
sepanjang 2011. June 21, 2011
Here's corporate social responsibility The Company provides financial assistance to
activities that has been held musholla infak-alms in Bogor, West Java.
throughout 2011.
25 Januari 2011 27 Juli 2011

Perseroan memberikan bantuan untuk Masjid Kantor Cabang Solo dan Makassar memberikan
An-Ni’mah, Cibubur. santunan terhadap yatim piatu. Pada tanggal
January 25, 2011 yang sama, Perseroan memberikan bantuan
The Company providing condolences fund to dana sarana penunjang mushola.
Masjid An-Ni’mah, Cibubur. July 27, 2011
Solo and Makassar Branch Offices provide
financial assistance to the orphans. On the
25 Februari 2011 same date, the Company also providing
Perseroan memberikan dana bantuan untuk financial assistance to support the mosque.
remaja Islam Ar-Ridho di Paseban, Jakarta
Pusat.
February 25, 2011
The Company provides financial assistance to
Ar-Ridho Muslim Youth in Paseban, Central
Jakarta.
20 April 2011
Perseroan memberikan dana bantuan zakat,
infak, dan sedekah (ZIS) untuk Kelurahan
Paseban, Jakarta Pusat. Tgl 1 - 26 Agustus 2011
20 April 2011 Perseroan memberikan takjil gratis kepada
The Company gives zakat funds, infak, and alms pengguna jalan di area Kantor Pusat Perseroan
(ZIS) for Paseban Village, Central Jakarta. dalam rangka Ramadhan 1432H.
August, 1 - 26, 2011
The Company gives free takjil to road user at
10 Mei 2011 the Company's Head Office area within the
Perseroan memberikan dana bantuan untuk framework or Ramadhan 1432H.
pembangunan masjid di Cengkareng, Jakarta
Barat.
May 10, 2011
The Company gives grants for the construction
of mosques in Cengkareng, West Jakarta.
25 Mei 2011
Perseroan memberikan dana bantuan bagi
program edukasi syariah di Solo, Jawa Tengah,
dan memberikan dana bantuan untuk Masjid
Darun Ni’mah di Lebak Bulus, Jakarta Selatan. 10 Agustus 2011
May 25, 2011 Perseroan memberikan dana bantuan zakat,
The Company provides financial assistance to infak, dan sedekah (ZIS) dalam acara GOZIS.
Islamic educational program in Solo, Central August 10, 2011
Java, and provide funds for the mosque Darun The Company gives zakat funds, infak, and
Ni’mah in Lebak Bulus, South Jakarta. alms (ZIS) in the event GOZIS.
13 Agustus 2011
Perseroan mengadakan Sahur On The Road
bulan Ramadhan 1432 H dengan rute Matraman
sampai Senen, Jakarta Pusat. 2 November 2011
August 13, 2011 Perseroan mengadakan kegiatan donor darah
The Company entered into Sahur On The Road dalam rangka Milad Perseroan ke-3.
to Ramadhan 1432 H with the dawn Matraman 2 November 2011
route until Senen, Central Jakarta. The Company held blood donation in
conjunction of 3rd Anniversary of the Company.
19 November 2011
Perseroan mengadakan kegiatan sunatan masal
dalam rangka Milad Perseroan ke-3.
19 November 2011
The Company held a mass circumcision
activities in conjunction of 3rd Anniversary of
the Company.
18 Agustus 2011
Perseroan memberikan dana santuan kepada 2
(dua) yayasan yatim piatu.
August 18, 2011
The Company provides funding for 2 (two)
orphanages.
9 Desember 2011
Perseroan memberikan santunan yatim piatu
dan sumbangan masjid.
December 9, 2011
The Company provides donation for orphans
and mosque.
24 Agustus 2011
Perseroan memberikan bantuan berupa sembilan
bahan pokok (sembako) kepada masjid-masjid di
sekitar Kantor Pusat Perseroan.
August 24, 2011
The Company donated nine basic (staple food)
to mosques around the Company's Head Office.
executive functionary
pejabat eksekutif
Evi Yulia Kurniawati

Menjabat sebagai Kepala
Sekretaris Perusahaan PT Bank Ade Chandra
Syariah Bukopin sejak 2009. Menjabat sebagai Kepala Divisi
Served as Head of Corporate Pelayanan PT Bank Syariah
Secretary of PT Bank Syariah Bukopin sejak 2009.
Bukopin since 2009. Served as Head of Service Trisna Surjatri
Division of PT Bank Syariah Menjabat sebagai Pemimpin
Rismarini Bukopin since 2009. Cabang Sidoarjo sejak 2009.
Menjabat sebagai Kepala Divisi Served as leader of Sidoarjo
Sumber Daya Insani PT Bank Donny Suwardono Branch since 2009.
Syariah Bukopin sejak 2008. Menjabat sebagai Kepala Divisi
Served as Head of Human Operasi PT Bank Syariah Bukopin Puji Lestari
Resource Development of PT sejak 2011. Menjabat sebagai Pemimpin
Bank Syariah Bukopin since 2008. Served as Head of Operational Cabang Samarinda sejak 2009.
Division of PT Bank Syariah Served as leader of Samarinda
Heru Haryanto Bukopin since 2011. Branch since 2009.
Menjabat sebagai Kepala Divisi
Restrukturisasi dan Penyelesaian Henky Hanggana Sukardi Hendriawan
Pembiayaan PT Bank Syariah Menjabat sebagai Kepala Divisi Menjabat sebagai Pemimpin
Bukopin sejak 2008. Bisnis Area III/Kelapa Gading PT cabang Melawai sejak 2011.
Served as Head of Restructure Bank Syariah Bukopin sejak 2011. Served as leader of Melawai
and Financing Settlement Division Head of Business of Area III/ Branch since 2011.
of PT Bank Syariah Bukopin since Kelapa Gading of PT Bank Syariah
2008. Bukopin since 2011. Suherli
Menjabat sebagai Pemimpin
Raymound Syahril Achmad Baradjak Cabang Bandung sejak 2011.
Menjabat sebagai Kepala Divisi Menjabat sebagai Kepala Divisi Served as leader of Bandung
Support Pembiayaan Bisnis Area IV/Bekasi PT Bank Branch since 2011.
PT Bank Syariah Bukopin sejak Syariah Bukopin sejak 2011.
2008. Head of Business of Area IV/ M. Ali Fauzi
Served as Head of Financing Bekasi of PT Bank Syariah Menjabat sebagai Pemimpin
Support Division PT Bank Syariah Bukopin since 2011. Cabang Medan sejak 2011.
Bukopin since 2008. Served as leader of Medan
Farhan Kamil Branch since 2011.
Elmar Maroza Menjabat sebagai Kepala Divisi
Menjabat sebagai Kepala SKAI Bisnis Area V PT Bank Syariah Dede Furkon
PT Bank Syariah Bukopin sejak Bukopin sejak 2011. Menjabat sebagai Pemimpin
2010. Head of Business of Area V of PT Cabang Solo sejak 2011.
Served as Head of SKAI of PT Bank Syariah Bukopin since 2011. Served as leader of Solo Branch
Bank Syariah Bukopin since 2010. since 2011.
Amir Salahudin
Mirza W. Hasan Menjabat sebagai Kepala Divisi Imdibkri.
Menjabat sebagai Kepala Divisi Supervisi Bisnis dan Fee Based Menjabat sebagai Pemimpin
Teknologi Informasi PT Bank PT Bank Syariah Bukopin sejak Cabang Bukittinggi sejak 2011.
Syariah Bukopin sejak 2006. 2011. Served as leader of Bukittinggi
Served as Head of Information Served as Head of Branch Branch since 2011.
Technology Division of PT Bank Business Supervision and Fee
Syariah Bukopin since 2006. Based of PT Bank Syariah Jufri H. Ahmad.
Bukopin since 2011. Menjabat sebagai Pemimpin
Noor Cholis Cabang Makassar sejak 2011
Menjabat sebagai Kepala Divisi Ersyam Fansuri Served as leader of Makassar
Pengembangan Produk PT Bank Menjabat sebagai Pemimpin Branch since 2011
Syariah Bukopin sejak 2009. Cabang Surabaya sejak 2004.
Served as Head of Product Served as leader of Surabaya
Development Division of PT Bank Branch since 2004.
Syariah Bukopin since 2009.
delivery channel & office

kantor & delivery channel
Dari waktu ke waktu, Perseroan terus From time to time, the Company keeps
melakukan pengembangan di berbagai aspek doing development in various aspects, including
termasuk di dalamnya adalah pengembangan the development of office network as one of
jaringan kantor sebagai salah satu langkah crucial step to improve business. Besides for
penting untuk meningkatkan usaha. Selain expanding market and business potential,
untuk mengembangkan potensi pasar dan establishing new network is intended to help
bisnis, pembukaan jaringan baru dimaksudkan make it easy for consumers to use the Company
untuk membantu memudahkan nasabah banking services and products. In the context of
menggunakan jasa dan produk perbankan yang expanding the office network, there is one thing
diberikan Perseroan. Dalam konteks that became the company’s major concern, that
pengembangan jaringan kantor, ada satu hal is to give a better experience to every consumer
yang menjadi concern Perseroan, yakni sedapat or potential consumer that came to the network
mungkin memberikan pengalaman yang lebih office of the Company as much as possible.
kepada setiap nasabah maupun calon nasabah
yang datang ke jaringan kantor Perseroan.
Pada 2011, Perseroan membuka 2 (dua) Kantor In 2011, the Company establish 2 (two) new
Cabang baru, yakni Kantor Cabang Makassar Branch Offices, that is Makassar Branch Office
yang diresmikan pada 9 Agustus 2011 dan that is inaugurated in the August 9, 2011, and
Kantor Cabang Solo yang diresmikan pada 11 Solo Branch Office that is inaugurated in August
Agustus 2011. Selain itu, Perseroan juga 11, 2011. In addition, the Company also
membuka Kantor Cabang Pembantu baru di establishes new Sub-Branch Office in Surabaya
Surabaya serta membuka Kantor Kas di Medan and establishes Cash Offices in Medan and
dan Bandung. Dengan penambahan jaringan Bandung. With the addition of those office
kantor tersebut, secara keseluruhan jaringan network, the Company’s office network in over
kantor Perseroan terdiri dari 1 (satu) Kantor all consists of 1 (one) Head Office, 9 (nine)
Pusat, 9 (sembilan ) Kantor Cabang, 5 (lima) Branch Offices, 5 (five) Sub-Branch Offices, 2
Kantor Cabang Pembantu, dan 2 (dua) Kantor (two) Cash Offices, 29 (twenty nine) Delivery
Kas, serta 29 (dua puluh sembilan) Kantor Channel.
Layanan Syariah/Delivery Channel.
DELIVERY CHANNEL & OFFICE
106 Kantor & Delivery Channel BANK SYARIAH BUKOPIN ANNUAL REPORT 2011
DAFTAR KANTOR CABANG/ Register Office

No. Kantor/Office Alamat/Address Telp/Telp Fax/Fax
Kantor Pusat/Head Office
Jakarta - Salemba Jl. Salemba Raya No.55 Jakarta Pusat 10440 (021) 2300912 (021) 3148401
Kantor Cabang/Branch Office
1 Melawai Jl. Melawai Raya No.5 Jakarta Selatan 12160 (021) 2700072 (021) 2702292
2 Bandung Jl. RE Martadinata No.142 Bandung Jawa Barat 40113 (022) 7213373 (022) 7213380
3 Surabaya Jl. Raya Darmo No.136 Surabaya jawa Timur 60241 (031) 5636485 (031) 5681274
4 Medan Jl. S. Parman No.77 Medan (061) 4523577 (061) 4523677
5 Samarinda Jl. Diponegoro No.40 Samarinda (0541) 732320 (0541) 732731
6 Bukittinggi Jl. Perintis Kemerdekaan No.16 Bukittinggi Sumatera Barat 26111 (0752) 627420 (0752) 627421
7 Sidoarjo Ruko Gateway A5-6 Jl. Raya Waru Sidoarjo Jawa Timur (031) 8537676 (031) 8537677
8 Solo Jl. Brigjen Slamet Riyadi No. 271 Surakarta (0271) 729 633 (0271) 720301
9 Makassar Jl. Sam Ratulangi No. 98AB Makassar 90133 (0411) 877 289 0411) 874809
Kantor Cabang Pembantu/
Sub-Branch Office
1 Kramat Jati Kokan Anggatra PP-6-A1 Jl. Raya Bogor Kramat Jati Jakarta Timur (021) 80877075 (021) 8093224
2 Payakumbuh Jl. Soekarno Hatta No.136 Payakumbuh (0752) 90844 (0752) 90847
3 UPI YPTK Jl. Raya Lubuk Begalung Padang (0751) 777610 (0751) 777610
4 Tenggarong Jl. Maduningrat, Kampung Melayu Tenggarong Kalimantan Timur (0541) 662116 (0541) 662116
5 HR Muhammad Jl. HR Muhammad No. 179 Komplek Surya Inti Permata II C-8 (031) 732 3545 (031) 732 3545
Kali Kendal, Dukuh Pakis Surabaya 60226
Kantor Kas/Cash Office
1 Yayasan Panca Budi Jl. Gatot Subroto KM 4,5 Sei Sikambing Medan (061) 8456743 (061) 845 6743
2 Rumah Sakit Jl. Banteng No. 53 Bandung 40264 (022) 732 3307 (022) 732 3307
Muhammadiyah Bandung
DAFTAR DELIVERY CHANNEL/Register Delivery Channel

No. Bukopin Alamat Kantor Layanan Syariah Telp Fax
Bukopin Jakarta
1 Kantor Pusat MT. Haryono Jl. MT. Haryono Kav. 50-51 Jakarta Selatan (021) 7988266 (021) 7980625
2 Capem Depkop Gd. Dep. Koperasi & UKM Lt. 1 (021) 5257903 (021) 5221579
Jl. HR. Rasuna Said Kav. 3-5, Jakarta Selatan
3 Capem Oil Centre Thamrin Gedung Oil Center Lt. Dasar (021) 31900612 (021) 31902356
Jl. M.H. Thamrin Kav. 55, Jakarta Pusat
4 Capem PTC Pulogadung Gedung PTC Ruko Blok A1 No. 10 (021) 46800017 (021) 46800201
Jl. Raya Bekasi Kawasan Industri
Pulo Gadung - Jakarta Timur
5 Capem Bulog II Gedung Diklat Bulog II (021) 520 4262, (021) 5204265
Jl. Kuningan Timur Blok M II No. 5, Jakarta Selatan (520) 4266, 5204285
6 Capem Tanjung Priok Jl. Enggano No. 28 , Tanjung Priok - Jakarta Utara (021) 4301915 (021) 4301917
7 Capem S. Parman Jl. S. Parman Kav. 80, Slipi - Jakarta Barat (021) 5604307 (021) 56957735
8 Capem Gunung Sahari Jl. Gunung Sahari Raya No. 86C, Jakarta Pusat (021) 4214755 (021) 4257791
9 Capem Pondok Gede Plaza Pondok Gede Ruko Blok H No.8 (021) 84990257 (021) 84995890
Jl. Raya Pondok Gede, Jatiwaringin - Bekasi
10 Capem Bintaro Komp. Rukan Bintaro Sektor 3 A - No.17 (021) 7375174, (021) 7375587
Jl. Bintaro Utama III A, Pondok Aren - Tangerang 7375176, 7375179
11 Capem Pondok Indah Plaza V Pondok Indah Kav. A11 (021) 7396863 (021) 7396882
Jl. Marga Guna Raya, Pondok Indah - Jakarta Selatan
12 Capem Depok Jl. Margonda Raya No.224C (021) 7761145 (021) 7760809
Kel. Kemiri Muka Kec.Beji Depok 16431
13 Capem Kebayoran Baru Jl. RS. Fatmawati No.7 Blok A (021) 7245577 (021) 7398600
Kebayoran Baru - Jakarta Selatan 12140
14 Capem ABDA Gedung Plaza ABDA Lt. GF No. 77 GF-D No. 20 (021) 51401082 (021) 51401083
Jl. Jend. Sudirman Kav. 59, Jakarta selatan
15 Capem Kebayoran Lama Jl. Raya Kebayoran Lama No. 10, Jakarta Selatan (021) 7393737 (021) 2700578
Bukopin Padang
16 Cabang Padang Jl. Jend. Sudirman No. 4 Padang - 25113 (0751) 31821, 31825, 31826 (0751) 32073
17 Cabang M. Yamin Jl. Prof. M. Yamin No. 129, Padang (0751) 39695, 38382 (031) 22544
Bukopin Bandung
18 Cabang Utama Bandung Jl. Asia Afrika No. 121 Bandung (022) 4234569 (022) 4235081
19 Capem Buah Batu Jl. Buah Batu No. 231-A, Bandung 40264 (022) 7317421, 7323190 (022) 7309440
20 Capem Caringin Pasar Induk Caringin Kav. A 1, 3-4 (022) 5413600 (022) 5413800
Jl. Soekarno-Hatta No. 234, Bandung 40286
21 Capem Setia Budi Jl. Setia Budi No. 170 B1, Bandung (022) 2034777 (022) 2033966
22 Capem Antapani Jl. Terusan Jakarta No. 53P, Blok Q Borma - Bandung (022) 7209006, 7206769 (022) 7205943
Bukopin Surabaya
23 Cabang Surabaya Gubeng Jl. Raya gubeng 11 Surabaya 60281 (031) 5013270 (031) 5013269
24 Capem Gresik Kompleks Pertokoan Multi Sarana Plaza (031) 3985571 (031) 3981562
Jl. Gubernur Suryo Blok A No. 4, Gresik 61118 329332
Bukopin Sidoarjo
25 Capem Sidoarjo Jl. A. Yani No. 27 Sidoarjo - 61212 (031) 8921091, 8921082 (031) 8921092
26 Capem Mojokerto Jl. Jaya Negara No. 17 Mojokerto 61321 (0321) 329331, (0321) 329330
Bukopin Medan
27 Capem Medan JL. Gajah Mada No. 23 B, Medan 20153 (061) 4152445, 4529266 (061) 4529228
28 Capem AR. Hakim Jl. Arif Rahman Hakim No. 92B, Medan (061) 7356447 (061) 7356463
29 Capem Golden Komplek Golden Trade Center (061) 4530412, 4524777 (061) 4530352
Jl. Gatot Subroto No. 17-18 Medan
product & services

produk dan layanan
Produk Pendanaan
• Tabungan iB SiAga
• TabunganKu iB
• Tabungan iB Rencana
• Tabungan iB SiAga Bisnis
• Tabungan iB Haji
• Deposito iB
• Giro iB
Produk Jasa
• Cash Management
• Payment Point
• Payroll
• RTGS
• SKN/Transfer
• Kliring
• SKBDN (L/C Lokal)
• Bank Garansi iB
• Safe Deposit Box
• SMS Banking
• Internet Banking
• Wakaf Uang
Produk Pembiayaan
• Pembiayaan iB Jual-beli
(Murabahah)
• Pembiayaan iB
Kepemilikan Rumah
• Pembiayaan iB
Kepemilikan Mobil
• Pembiayaan iB Jual-beli
(Istishna’)
• Pembiayaan iB Bagi-hasil
(Mudharabah)
• Pembiayaan iB Bagi-hasil
(Musyarakah)
• Pembiayaan iB K3A
Tanggung Jawab Atas Pelaporan Tahunan PT Bank Syariah Bukopin 2011
Responsibility Towards PT Bank Syariah Bukopin’s 2011 Annual Report
Laporan Tahunan PT Bank Syariah Bukopin 2011 ini serta Laporan Keuangan Audit dari Kantor
Akuntan Publik dan informasi-informasi lainnya yang terkait dengan Laporan Tahunan PT Bank
Syariah Bukopin 2011, merupakan tanggung jawab Manajemen PT Bank Syariah Bukopin dan telah
disetujui serta ditandatangani oleh Dewan Komisaris dan Direksi PT Bank Syariah Bukopin.
This 2011 Annual Report and Edited Financial Statements from the Public Accounting Firm of PT
Bank Syariah Bukopin and other informations that are relevant with the Annual Report of PT Bank
Syariah Bukopin 2011, is a responsibility of PT Bank Syariah Bukopin’s management and has been
approved and signed by the Board of Commissioners and Directors of PT Bank Syariah Bukopin.
Dewan Komisaris
Board of Commissioners
Suda
d rmin Sjamsoe
Sudarmin Sjamsoe, S E
S.E.
Komisaris Utamaa
Presi
President o er
on
Commissioner
DR. Hajriyanto Y. Thohari, M.A. Prof. DR. Bambang Setiaji, M.Si.

Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Dew Direksi
Dewan
Director
Board of Directors
Riyanto
Direktur Utama
Presidentt Director
Harry Harmono Busiri Ruddy Susatyo

Direktur Bisnis Direktur Operasi dan Pelayanan
Business Director Operation and Services Director
Ei
Eriandi
Direktur Kepatuhan dan Manajemen Risiko
Compliance and Risk Management Director
Laporan Keuangan
untuk tahun yang berakhir pada tanggal
31 Desember 2011 dan 2010
dan
Laporan Auditor Independen
Financial Statements
for the years ended December 31, 2011 and 2010
and
Independent Auditor’s Report
dbs&d
Doli, Bambang, Sudarmaji, & Dadang
Registered Public Accountants
Lisence no.: KEP - 007/KM.5/2006
Branch Office :
Jl. Raya kalimalang Blok - E No. 4F
Duren Sawit Jakarta Timur 13440
Phone (62-21) 8611 845, 8611 847, 866 10331, 866 10334
Fax. (62-21) 8611 708, 866 10401
E-mail basco@dnet.net.id
No: R.3/001.J/03/12 auditor_shs@yahoo.com
Laporan Auditor Independen Independent Auditor Report

Pemegang Saham, Dewan Komisaris dan Direksi The Shareholders, Board of Commissioners and
PT BANK SYARIAH BUKOPIN Board of Directors PT BANK SYARIAH BUKOPIN
Kami telah mengaudit laporan posisi keuangan PT Bank Syariah We have audited the accompanying statements of financial
Bukopin (d/h Bank Persyarikatan Indonesia) ("Bank") tanggal position of PT Bank Syariah Bukopin (d / h Bank Persyarikatan
31 Desember 2011 dan 2010, laporan laba rugi komprehensif, Indonesia) (“Bank”) dated December 31, 2011 and 2010,
laporan perubahan ekuitas serta laporan arus kas untuk tahun comprehensive income statement, change of equity report,
yang berakhir pada tanggal-tanggal tersebut. Laporan and cash flows statement for the years ended as per the said
keuangan adalah tanggung jawab Manajemen Bank. Tanggung that. The financial statements are the responsibility of the
jawab kami terletak pada pernyataan pendapat atas laporan Bank Management. Our responsibility is to express an
keuangan berdasarkan audit kami. opinion on these financial statements based on our audit.
Kami melaksanakan audit berdasarkan standar auditing yang We performed the audit according to the auditing standards
ditetapkan Institut Akuntan Publik Indonesia. Standar tersebut as stipulated by the Indonesian Public Accountant Institution.
mengharuskan kami untuk merencanakan dan melaksanakan The said standards require us to plan and perform audit as
audit agar memperoleh keyakinan memadai bahwa laporan to obtain appropriate belief that the financial statement is
keuangan bebas dari salah saji material. Suatu audit meliputi free from any material presentation error. An audit shall
pemeriksaan, atas dasar pengujian, bukti-bukti yang include reviews, based on examination, evidences supporting
mendukung jumlah-jumlah dan pengungkapan dalam laporan the totals and disclosure in the entire financial statement.
keuangan. Audit juga meliputi penilaian atas prinsip akuntansi Audit shall also include the evaluation of the applied
yang digunakan dan estimasi signifikan yang dibuat oleh accounting principles and significant estimation made by the
Manajemen Bank, serta penilaian terhadap penyajian laporan management, as well as the evaluation on the preparation
keuangan secara keseluruhan. Kami yakin bahwa audit kami of financial statement as a whole. We believe that our audit
memberikan dasar memadai untuk menyatakan pendapat. will provide an adequate base to put forward opinion.
Menurut pendapat kami, laporan keuangan yang kami sebut In our opinion, the financial statement' that we have
di atas menyajikan secara wajar, dalam semua hal yang described above present fairly, in terms of all material cases,
material, posisi keuangan PT Bank Syariah Bukopin tanggal 31 the financial position of PT Bank Syariah Bukopin dated
Desember 2011 dan 2010, hasil usaha, laporan perubahan December 31, 2011 and 2010, such as operating income,
ekuitas serta laporan arus kas untuk tahun yang berakhir pada change of equity report and cash flows statement for the
tanggal-tanggal tersebut, sesuai dengan akuntansi keuangan year ended on the said date, in accordance with financial
di Indonesia. accounting in Indonesia.
Catatan 36 Laporan keuangan berisi pengungkapan mengenai Note of 36 on the financial report contains the disclosure of
kelangsungan usaha Bank serta tindakan yang ditempuh dan the continual Bank business performance and the measures
rencana yang dibuat Manajemen Bank untuk mengantisipasi taken as well as the plan made by the Bank management to
kelangsungan usaha tersebut. Laporan keuangan tersebut anticipate the said business performance. The said financial
mencakup kelangsungan usaha sepanjang hal itu dapat report shall include the business performance in so far as it
ditentukan dan diperkirakan. may be predicted and determined.
05 Maret 2012 March 05th, 2012
Doli, Bambang, Sudharmaji & Dadang
Bambang Hariadi, MEc, CPA

NRAP: AP. 0413
An Independent member o BKR International,

with offices troughout the World
PT. BANK SYARIAH BUKOPIN PT. BANK SYARIAH BUKOPIN
LAPORAN POSISI KEUANGAN BALANCE SHEET
31 Desember 2011 dan 2010 December 31, 2011 and 2010
(Dalam Rupiah) (Expressed in Rupiah)
Catatan 31-Des-11 31-Des-10

(Notes)
Aset Assets
Kas 2a,3 19.566.163.450 19.087.661.150 Cash
Penempatan pada Bank Indonesia 2d,4 315.168.057.717 142.419.222.458 Placement in Bank Indonesia
Penempatan pada bank lain - setelah dikurangi 2b,2e,5 Current account in other banks after deducted with
penyisihan penghapusan giro pada bank lain provision for current accounts with other
sebesar Rp2.571.586.786 dan banks write-off amounting Rp2,571,586,786 and
Rp2.803.038.222 pada tanggal 31 Desember 2011 Rp2,803,038,222 on December 31, 2011
dan 31 Desember 2010 and December 31, 2010
Pihak hubungan istimewa 251.667.306.036 273.667.299.001 Related parties
Efek-efek 2g, 6 8.472.275.000 5.733.650.000 Marketable securities
Piutang Receivables
murabahah - setelah dikurangi penyisihan murabahah - after deducted by provision
penghapusan pada tanggal 31 Desember 2011 write-off on December 31, 2011
dan 31 Desember 2010 and December 31, 2010
masing-masing sebesar Rp26.280.970.864 each respectively Rp26,280,970,864
dan Rp23.219.710.785 2c,2h,2i,7 1.885.626.018.875 1.582.401.519.184 and Rp23,219,710,785
Kredit yang diberikan - setelah dikurangi penyisihan Credit Financing - after provision deduction
penghapusan pada tanggal 31 Desember 2011 write-off on December 31, 2011 and December 31, 2010
dan 31 Desember 2010 sebesar Rp. 133.510.332 2c,2f,8 2.451.077.163 2.451.077.163 each respectively Rp133,510,332
Pendapatan yang masih akan diterima 9 15.368.277.424 11.882.603.297 Receivable income
Pajak dibayar dimuka dan uang Muka 2t,10 11.783.403.905 15.187.605.502 Prepaid taxes and payment
Beban dibayar dimuka 2k,11 28.603.131.129 18.296.616.621 Prepaid expenses
Aset pajak tangguhan 2t,18d 24.139.396.752 25.066.728.354 Deferred assets taxes
Aset tetap - setelah dikurangi akumulasi Fixed asset - provision deducted
penyusutan pada tanggal 31 Desember 2011 depreciation on December 31, 2011
dan 31 Desember 2010 masing-masing sebesar and December 31, 2010 each respectively
Rp23.190.587.767 dan Rp19.760.313.427 2j,12 57.646.090.664 43.994.021.764 Rp23,190,587,767 and Rp19,760,313,427
Aset lain-lain 2l,13 106.615.925.920 49.930.838.683 Other assets
Jumlah aset 2.730.026.909.823 2.193.952.328.077 Total assets
Lihat catatan atas laporan keuangan yang merupakan bagian yang tidak The above financial statements notes is an unseparable parts
terpisahkan dari laporan keuangan secara keseluruhan from the whole financial statements.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011 |3

LAPORAN POSISI KEUANGAN BALANCE SHEET
31 Desember 2011 dan 2010 December 31, 2011 and 2010

(Notes)
Liabilitas dan ekuitas Liability and equity

Simpanan 2n,2o Deposits
Giro wadiah 14 102.965.714.420 95.501.632.957 Wadiah current accounts
Giro umum General current accounts
Pihak ketiga 86.159 592.504 Third parties
Tabungan 15 Saving deposits
Tabungan wadiah Wadiah saving deposits
Tabungan mudharabah Mudharabah saving deposits
Deposito mudharabah 16 Mudharabah time deposits
Liabilitas Liability
Liabilitas segera lainnya 2m,17 5.499.008.101 7.718.964.859 Other liabilities
Pajak yang masih harus dibayar 2t,18 4.979.284.385 1.738.554.117 Payable taxes
Pinjaman yang diterima 19 49.780.291.300 52.799.849.594 Funds borrowings
Penempatan dari bank lain 20 35.481.978.822 270.957.931.286 Placement with other banks
Beban yang masih harus dibayar 21 6.501.532.947 7.042.543.655 Payable expenses
Liabilitas lain-lain 2q,22 22.796.789.134 32.645.505.799 Other Liabilities
Pinjaman subordinasi 23 50.000.000.000 50.000.000.000 Subordinated funds
Liabilitas imbalan kerja 2s,24 7.476.087.963 5.570.214.000 Benefits liabilities
Jumlah liabilitas 2.474.252.697.553 2.050.386.951.012 Total Liability

Ekuitas Equity
Modal Saham - Stock capital
Nilai nominal Rp10.000,- per saham untuk Nominal value of Rp10,000,- per share
seri A Rp100,- per saham untuk seri B dan for A series, Rp100,- per share
Rp.50,- per saham untuk seri C. for B series and Rp50 per share for C series.
Modal dasar Capital

untuk seri A : 8.137.000 saham, untuk A series: 8,137,000 shares,
seri B : 9.186.300.000 saham dan untuk B series: 9,186,300,000 shares
seri C : 14.992.600.000 saham. and C series: 14,992,600,000 shares.
Ditempatkan dan disetor penuh Issued and fully paid

untuk seri A : 8.137.000 saham, untuk A series:8,137,000 shares,
seri B : 1.690.000.000 saham dan untuk B series:1,690,000,000 shares
seri C : 4.000.000.000 saham pada tanggal C series:4,000,000,000 shares
31 Desember 2011 dan 2010. 25 450.370.000.000 350.370.000.000 on December 31, 2011 and 2010.
Saldo defisit (194.595.787.729) (206.804.622.935) Deficite balance

Jumlah ekuitas 255.774.212.271 143.565.377.065 Total equity
Jumlah liabilitas dan ekuitas 2.730.026.909.823 2.193.952.328.077 Total Liability and equity
4 | LAPORAN TAHUNAN BANK SYARIAH BUKOPIN 2011

LAPORAN LABA RUGI KOMPREHENSIF STATEMENTS OF COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir pada Tanggal 31 Desember 2011 dan 2010 For the Years ended December 31, 2011 and 2010

(Notes)
Pendapatan (beban) operasional Operating Income (Expenses)

Pendapatan operasi utama Main Operating Income
Pendapatan syariah 2p,26 Sharia Income
Pendapatan dari jual beli 141.938.920.822 136.702.779.813 Sales Income
Pendapatan bagi hasil 63.570.104.671 56.622.094.541 Profit Sharing Income
Pendapatan lainnya 6.188.413.348 4.927.437.800 Other Income
Pendapatan konvensional 27 Conventional Income
Bunga - 1.741.570 Interest
Provisi dan komisi kredit 2r 14.000.000 152.389.371 Provision and Commisions credit
Jumlah pendapatan operasi utama 211.711.438.841 198.406.443.095 Total operating Income
Beban operasi utama Main Operating Expenses
Beban syariah 2q,28 Sharia Expenses
Hak pihak ketiga atas bagi Third Party share on unrestricted
hasil investasi tidak terikat 131.043.439.793 100.435.672.787 investment revenue sharing
Beban bagi hasil sertifikat investasi Inter banks Mudharabah investment
mudharabah antar bank syariah 3.668.543.906 16.216.371.322 certificates revenue sharing expenses
Beban bonus dan bagi hasil Inter banks bonus and revenue
antar bank 5.426.991.331 7.408.942.861 sharing expenses
Beban Pinjaman Yang Diterima - 3.103.958.472 Funds Borrowings Expenses
Beban konvensional 29 Conventional Expenses
Bunga 3.484.153.014 407.275.944 Interests
Jumlah beban operasi utama 143.623.128.044 127.572.221.386 Total Main Operating Expenses
Jumlah pendapatan (beban) - bersih 68.088.310.797 70.834.221.709 Total Income (Expenses) - Net
Pendapatan (beban) komprehensif lainnya Other comprehensive Income (Expenses)

Pendapatan operasional lainnya Other Operating Income
Pendapatan lain-lain 30 33.594.520.304 24.748.884.516 Other Incomes
Beban operasional lainnya 31 Other Operating Expenses
Umum dan operasional lainnya 38.017.339.620 33.205.284.361 General and other operationals
Tenaga kerja 42.362.712.377 40.147.311.217 Employees
Penyisihan penghapusan aset produktif 6.235.620.647 7.876.794.556 Provision of earning assets write-off
Jumlah beban operasional lainnya 86.615.672.643 81.229.390.134 Total of other Operating Expenses
Pendapatan (beban) komprehensif lainnya (53.021.152.339) (56.480.505.617) Other operating Income (expenses)
Laba operasional 15.067.158.458 14.353.716.092 Operating income
Pendapatan (beban) non operasional 32 Non Operating Income (Expenses)
Pendapatan (beban) non operasional - bersih (45.439.150) 565.619.054 Non operating Income (expenses) - Net
Laba (rugi) komprehensif Comprehensive Income (Loss) before
sebelum pajak penghasilan 15.021.719.308 14.919.335.146 company Income Tax
Pajak penghasilan Income Taxes
Pajak kini 18c (1.885.552.500) - Current Taxes
Pajak tangguhan 2t,18d (927.331.602) (4.685.191.954) Deferred Taxes
Jumlah pajak penghasilan (2.812.884.102) (4.685.191.954) Total Income Taxes
Laba bersih komprehensif setelah Net Comprehensive income after
Pajak penghasilan 12.208.835.206 10.234.143.192 company Income Tax

PT. Bank Syariah Bukopin PT. Bank Syariah Bukopin
LAPORAN PERUBAHAN EKUITAS STATEMENTS OF STOCKHOLDERS' EQUITY
Catatan Modal Saham Ditempatkan Saldo Laba (Rugi) Jumlah Ekuitas

dan Disetor Penuh (Defisiensi) Modal
(Notes) Issued and Fully Paid Stock Capital Income (Loses) Balance Capital Total Equity (Deficiency)
Saldo 31 Desember 2009 350.370.000.000 (217.038.766.128) 133.331.233.872 December 31, 2009 Balance
Laba bersih komprehensif Comprehensive net profit
tahun berjalan - 10.234.143.192 10.234.143.192 during the year
Tambahan Modal Disetor 25 100.000.000.000 100.000.000.000 Additional paid-in capital

Laba bersih komprehensif Comprehensive net profit
tahun berjalan - 12.208.835.206 12.208.835.206 during the year
Lihat catatan atas laporan keuangan yang merupakan bagian yang The above financial statements notes is an unseparable parts
tidak terpisahkan dari laporan keuangan secara keseluruhan. from the whole financial statements.

LAPORAN ARUS KAS STATEMENT OF CASH FLOW
Untuk Tahun Yang Berakhir 31 Desember 2011 dan 2010 For the Years ended December 31, 2011 and 2010
31-Des-11 31-Des-10
Arus kas dari aktivitas operasi Cash flow from operational activities
Penerimaan bunga dan provisi 211.711.438.841 198.406.443.095 Receivables interests and provisions
Pembayaran bunga (3.484.153.014) (3.511.234.416) Payable interests
Pembayaran Hak pihak ketiga atas bagi hasil Third party share of unrestricted
investasi tidak terikat (131.043.439.793) (100.435.672.787) investment return - Payable
Pembayaran bonus dan bagi hasil antar bank (5.426.991.331) (7.408.942.861) Bonus and Inter-bank revenue sharing - Payable
Penerimaan pendapatan (beban) operasional Other comprehensive operating
komprehensif lainnya 22.717.584.999 (3.463.854.261) income (expenses) - Receivables
Pembayaran kas pada karyawan dan pemasok (80.380.051.996) (73.352.595.578) Cash to employees and supplier - Payable
Laba operasi sebelum perubahan dalam aktiva operasi 14.094.387.706 10.234.143.192 Operating Income before changes in operating assets
(Kenaikan) penurunan dalam aset operasi (Decrease) Increase in operating assets

Penempatan surat-surat berharga (2.738.625.000) (5.733.650.000) Placement with other banks and bonds
Piutang murabahah (303.224.499.691) (321.504.470.642) Murabahah receivables
Kredit yang diberikan - 524.023.915 Credit financing
Pendapatan yang masih akan diterima (3.485.674.128) (4.494.274.973) Receivables
Uang muka, beban dibayar dimuka, pajak tangguhan (5.974.981.309) (10.298.734.925) Prepaid, prepaid expenses, deferred taxes
Aset lain-lain (56.685.087.237) (9.412.931.914) Other assets
Kenaikan (penurunan) dalam liabilitas operasi Increase (decrease) in operating liability

Giro wadiah dan umum Wadiah and general current accounts
Pihak ketiga 7.463.575.119 (2.957.693.292) Third parties
Tabungan wadiah dan umum 68.741.043.150 29.755.582.388 Wadiah and general deposits
Deposito Deposits
Pihak yang mempunyai hubungan istimewa (16.846.500.000) 18.524.693.796 Related parties
Liabilitas segera dibayar (2.219.956.758) 863.148.505 Payable Liabilities
Penempatan dari bank lain (235.475.952.464) (144.432.078.411) Placement with other banks
Beban yang masih harus dibayar (541.010.708) 5.963.248.918 Payable expenses
Hutang pajak 1.355.177.767 179.670.189 Payable taxes
Liabilitas imbalan kerja 1.905.873.963 940.607.000 Benefits Liabilities
Liabilitas lain-lain (9.848.716.665) (2.102.065.754) Other Liabilities
Kas bersih digunakan untuk aktivitas operasi 66.985.272.676 (129.215.343.698) Operating activities cash - Net
Arus kas dari aktivitas investasi Investment activities cash flow

(Perolehan) kelebihan nilai aktiva tetap (13.652.068.900) (6.571.570.845) Premises profit (income)
Kas bersih digunakan untuk aktivitas investasi (13.652.068.900) (6.571.570.845) Investment activities cash - Net

LAPORAN ARUS KAS STATEMENT OF CASH FLOW
Untuk Tahun Yang Berakhir 31 Desember 2011 dan 2010 For the Years ended December 31, 2011 and 2010
31-Des-11 31-Des-10
Arus kas dari aktivitas pendanaan Cash flow from funding activities
Penambahan setoran modal 100.000.000.000 - Additional paid-in capital
Penerimaan (pelunasan) pinjaman yang diterima (3.019.558.294) (2.700.000.000) Receivables (settlement) fund borrowings
Kas bersih diperoleh dari aktivitas pendanaan 96.980.441.706 (2.700.000.000) Funding activities cash - Net
Kenaikan (penurunan) bersih kas dan setara kas 150.313.645.482 (138.486.914.544) Increase (decrease) cash and cash equivalents - Net
Saldo kas dan setara kas pada awal tahun 439.007.667.510 577.494.582.054 Cash and cash equivalents balance in the beginning of the year
Saldo kas dan setara kas pada akhir tahun 589.321.312.992 439.007.667.510 Cash and cash equivalents balance in the end of the year
Komponen kas dan setara kas pada akhir tahun Cash and cash equivalents components in the end of year
Kas 19.566.163.450 19.087.661.150 Cash
Giro pada Bank Indonesia 315.168.057.717 142.419.222.458 Current account with Bank Indonesia
Giro pada Bank Lain 254.587.091.825 277.500.783.903 Current accounts with other banks
Jumlah 589.321.312.992 439.007.667.510 Total

CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENT
1. Umum 1. General
a. Pendirian Bank a. Company Establishment
PT. Bank Syariah Bukopin (“Bank”) dahulu bernama PT. Bank PT. Bank Syariah Bukopin (“Bank”) formerly known as PT. Bank
Persyarikatan Indonesia didirikan berdasarkan Akta No. 102 Persyarikatan Indonesia was established based on notarial deed
tertanggal 29 Juli 1990 dengan nama PT. Bank Swansarindo No. 102 dated July 29, 1990 was witnessed Dr. Widjojo Wilami,
Internasional yang dibuat dihadapan Dr. Widjojo Wilami, SH., SH., notary based in Samarinda, under the name PT. Bank Swan-
Notaris di Samarinda. Anggaran Dasar Bank ini telah mendapat sarindo Internasional. The bank’s articles was approved by the
persetujuan dari Menteri Kehakiman Republik Indonesia sesuai Ministry of Justice of the Republic of Indonesia in accordance
dengan Surat Keputusannya No. C2-5618.HT.01.01TH.90 tertanggal with the Letter of Decision No. C2-5618.HT.01.01TH.90 dated
11 September 1990 dan selanjutnya telah didaftarkan di Kantor September 11, 1990 and subsequently has been registered at
Pengadilan Negeri Samarinda dengan No. W13.26.HT.01.01-67 the Samarinda Court Office, No. W13.26.HT.01.01-67 dated
tertanggal 9 Oktober 1990. PT. Bank Swansarindo Internasional October 9, 1990. PT. Bank Swansarindo Internasional was a joint
merupakan hasil peleburan 2 (dua) Bank Pasar yaitu PT. Bank Pasar venture of 2 (two) Bank Pasar, which are PT. Bank Pasar Gunung
Gunung Sindoro di Samarinda dan PT. Bank Pasar Gunung Sindoro in Samarinda and PT. Bank Pasar Gunung Kendeng in
Kendeng di Surakarta. Persetujuan izin usaha dan peningkatan Surakarta. Its license to conduct business and change of
status menjadi Bank Umum telah diperoleh berdasarkan Surat business nature to commercial banking was granted in the
Keputusan Menteri Keuangan Republik Indonesia No. 1659/ Republic of Indonesia’s Minister of Finance decision letter No.
KMK.013/1990 tertanggal 31 Desember 1990. 1659/KMK.013/1990 dated Desember 31, 1990.
Akta pendirian Bank beberapa kali telah mengalami perubahan, The Bank establishment deed changed several times as follow:
yaitu:
1. Akta No. 42 tertanggal 6 April 1991 yang dibuat dihadapan Dr. 1. Deed No. 42 dated April 6, 1991 was witnessed by Dr.
Widjojo Wilami, SH., Notaris di Samarinda, Bank ini telah Widjojo Wilami, SH, a notary based in Samarinda. The bank
dipindahkan kedudukannya dari Samarinda ke Jakarta. Akta ini was then relocated from Samarinda to Jakarta. This deed
telah memperoleh pengesahan dari Menteri Kehakiman was approved by the Ministry of Justice of the Republic of
Republik Indonesia sesuai dengan Surat Keputusannya No. C2- Indonesia in its decision letter No. C2-1568.HT.01.04.TH.91
1568.HT.01.04.TH.91 tanggal 7 Mei 1991 dan selanjutnya telah dated May 7, 1991, and registered at the Samarinda Courts
didaftarkan di Kantor Pengadilan Negeri Samarinda dengan Office with No. W13.Db.HT.01.01-36 dated June 12, 1991.
No. W13.Db.HT.01.01-36 tertanggal 12 Juni 1991.
2. Akta No. 159, tertanggal 16 Desember 1998 , yang dibuat 2. Deed no. 159 dated December 16, 1998 was witnessed by
dihadapan Rd. Johanes Sarwono, SH. Notaris di Jakarta, yang Rd. Johanes Sarwono, SH. a notary based in Jakarta, and
telah mendapat pengesahan dari Menteri Kehakiman Republik approved by the Ministry of Justice of the Republic of
Indonesia, dengan Surat Keputusan tertanggal 17 Juni 1999 Indonesia in its decision letter No.C-11272.HT.01.04.TH.1999
No.C-11272.HT.01.04.TH.1999, kemudian diubah dengan akta- dated June 17, 1999, and was amended by the deeds the
akta berita acara rapat, Akta No. 72 tertanggal 29 Maret 1999 , minutes, deed No. 72 dated by March 29, 1999 and No. 22
dan Akta No. 22 tertanggal 07 Mei 1999 , keduanya dibuat dated May 7, 1999, both made witnessed by Rd. Johanes
dihadapan Notaris Rd. Johanes Sarwono, SH., yang kemudian Sarwono, SH., notary based in Jakarta were then changed
diubah lagi dengan akta pernyataan keputusan rapat No. 01, again with decision meeting statement deed No. 01, dated
tertanggal 01 Juli 1999 yang dibuat dihadapan I Nyoman July 1, 1999 made witnessed by I Nyoman Pageh, SH, a
Pageh, SH., Notaris di Jakarta. notary in Jakarta.
3. Akta No. 16 tertanggal 08 Januari 2003 yang dibuat dihadapan 3. Deed no. 16 dated January 8, 2003, was made witnessed by
Arry Supratno, SH., Notaris di Jakarta, juncto Surat Keputusan Arry Supratno, SH., a notary based in Jakarta, juncto letter of

1. Umum - lanjutan 1. General - continue
Deputi Senior Bank Indonesia, tertanggal 24 Januari 2003 No. decision of Senior Deputy of Bank Indonesia dated January
5/4/KEP-DGS/2003, Berita Negara Republik Indonesia, tertang- 24, 2003 No. 5/4/KEP-DGS/2003, the Republic of Indonesia
gal 13 Juni 2003 No.47, Akta No 26 dan No 27. Kemudian Modal official report dated June 13, 2003 No. 47, deed No. 26 and
Dasar Bank ditingkatkan dari Rp. 80.000.000.000,- menjadi Rp. No. 27. The initial paid up capital of Rp 80,000,000,000,-
300.000.000.000,- dan modal disetor bank dari Rp. was increased to Rp 300,000,000,000,- and the bank’s paid
23.900.000.000,- menjadi Rp. 81.370.000.000,- dengan Akta up capital from Rp 23,900,000,000,- to Rp 81,370,000,000,-
Berita Acara Rapat Umum Pemegang Saham Luar Biasa PT. Bank with the deed of PT Bank Persyarikatan Indonesia Extraor-
Persyarikatan Indonesia, tertanggal 02 Juni 2004 No.01, yang dinary General Meeting of Shareholders dated June 2, 2004
dibuat dihadapan H. Uyun Yudibrata, SH., Notaris di Jakarta, dan No. 01, made witnessed by H. Uyun Yudibrata, SH, a notary
telah mendapat pengesahan dari Menteri Kehakiman dan Hak based in Jakarta with the approval of the Ministry of Justice
Asasi Manusia Republik Indonesia, dengan Surat Keputusan of the Republic of Indonesia with decision letter dated
tertanggal 07 Desember 2004 No. C-29614.HT.01.04.TH.2004. December 7, 2004 No. C-29614.HT.01.04.TH.2004.
4. Akta no. 26 tanggal 29 Desember 2005 oleh Adrian Djuaini, 4. Deed no. 26 dated December 29, 2005 made witnessed by
S.H., notaris di Jakarta mengenai peningkatan modal dasar Adrian Djuaini SH, a notary based in Jakarta, concerns on
Bank dari Rp. 300.000.000.000,- menjadi Rp. 1.000.000.000.000,- the increase of paid up capital from Rp 300,000,000,000,-
Perubahan Anggaran Dasar Bank tersebut telah mendapat to Rp 1,000,000,000,000,-. The change of bank statutes had
persetujuan dari Menteri Hukum dan Hak Asasi Manusia an approval from the Ministry of Justice of the Republic of
Republik Indonesia dengan Surat Keputusannya No. C-01608 Indonesia with its decision letter No. C-01608 HT.01.04.
HT.01.04.TH.2006 tanggal 19 Januari 2006. TH.2006 dated January 19, 2006.
5. Akta no. 28 tanggal 31 Maret 2008 oleh Adrian Djuaini, S.H., 5. Deed no. 28 dated March 31, 2008 by Adrian Djuaini, SH., a
notaris di Jakarta mengenai perubahaan nama menjadi PT. notary based in Jakarta on the company’s change of name
Bank Syariah Bukopin (Bank) , maksud dan tujuan kegiatan into PT. Bank Syariah Bukopin (Bank), purpose and goals of
usaha serta perubahan jumlah modal ditempatkan dan disetor. the business and change of paid up capital. The change of
Perubahan Anggaran Dasar Bank tersebut telah mendapat Bank statutes approved by the Ministry of Justice of the
persetujuan dari Menteri Hukum dan Hak Asasi Manusia Republic of Indonesia with its decision letter No. AHU-
Republik Indonesia dengan Surat Keputusannya No. AHU- 22464.AH.01.02. Year 2008 dated May 2, 2008.
22464.AH.01.02. Tahun 2008 tanggal 02 Mei 2008.
Selanjutnya Bank mendapatkan ijin usaha dari Bank Indonesia The Bank then obtained business license from Bank Indonesia
berdasarkan Surat Keputusan Gubernur Bank Indonesia No. 10/69/ based on Bank Indonesia Governor decision letter No. 10/69/
KEP.GBI/DpG/2008 tanggal 27 Oktober 2008 sebagai bank umum KEP.GBI/DpG/2008 dated October 27, 2008 as a commercial
yang melaksanakan kegiatan usaha berdasarkan prinsip syariah bank that operates its business based on the principals of
dan mulai beroperasi sejak tanggal 9 Desember 2008. Sharia and started to operate since December 9, 2008.
Bank telah menerima pengalihan Unit Usaha Syariah (UUS) dari PT. The Bank accepted a transition of Sharia Business Unit from PT.
Bank Bukopin Tbk. pada tanggal 10 Juli 2009, yang diaktakan Bank Bukopin, Tbk. only on July 10, 2009, legalized by deed of
dengan Akta Pemisahan Unit Usaha Syariah No. 18 tanggal 18 Juni Sharia Business Unit Division No. 18 dated by June 18, 2009
2009 dari H. Rakhmat Syamsul Rizal, S.H., M.H. notaris di Jakarta. from H. Rakhmat Syamsul Rizal, S.H., M.H. The transition was
Pengalihan tersebut telah mendapat persetujuan dari Bank approved by Bank Indonesia with its letter No. 11/842/DPbS
Indonesia melalui surat No. 11/842/DPbS tanggal 30 Juni 2009. dated June 30, 2009.

1. Umum - lanjutan 1. General - continue
b. Dewan Komisaris, Direksi, Dewan Pengawas Syariah b. Board of Commisioners, Board of Directors, Sharia
dan Karyawan Supervisory Board, and Employees
Berdasarkan Rapat Umum Pemegang Saham Tahunan tanggal 12 Based on the Extraordinary General Meeting of Shareholders
Maret 2010, dengan akta No 11 tanggal 25 Maret 2010, Rapat dated March 12, 2010 with deed no. 11 dated March 25, 2010,
Umum Pemegang Saham Tahunan tanggal 26 Mei 2009,dengan General Meeting of Shareholders dated May 26, 2009, with
akta no. 07 tanggal 26 Mei 2009, Rapat Umum Pemegang Saham deed no. 7 dated May 26, 2009, Extraordinary General Meeting
Luar Biasa tanggal 6 Maret 2008, dengan akta No. 28 tanggal 31 of Shareholders dated March 6, 2008, with deed No. 28 dated
Maret 2008, Rapat Umum Pemegang Saham Luar Biasa tanggal 23 March 31, 2008, Extraordinary General Meeting of Share
September 2008, dengan akta No. 6 tanggal 20 Oktober 2008, Holders dated September 23, 2008 with deed No. 6 dated
Rapat Umum Pemegang Saham Luar Biasa tanggal 9 Desember October 20, 2008, Extraordinary General Meeting of
2008, dengan Akta No.4 tanggal 9 Desember 2008, Rapat Umum Shareholders dated December 9, 2008 with deed No. 4 dated
Pemegang Saham Tahunan dan Rapat Umum Pemegang Saham December 9, 2008, General Meeting of Shareholders and
Luar Biasa tanggal 24 Maret 2011, No. 23 dan No. 24 yang dibuat Extraordinary General Meeting of Shareholders dated March
dihadapan Adrian Djuaini, SH Notaris di Jakarta, susunan Dewan 24, 2011 with deed No. 23 and 24 was witnessed by Adrian
Komisaris, Direksi dan Dewan Pengawas Syariah pada tanggal 31 Djuaini, SH., a notary based in Jakarta, structure of Board of
Desember 2011 dan 31 Desember 2010 adalah sebagai berikut : Commisioners, Board of Directors and Sharia Supervisory Board
on December 31, 2011 and 2010 are as follow:
31 Desember 2011 31 Desember 2010

December 31, 2011 December 31, 2010
Dewan pengawas syariah Sharia Supervisory Board
Ketua: Prof. DR. H.M Sirajuddin Syamsudin, MA Prof. DR. H.M Sirajuddin Syamsudin, MA Chairman
Anggota: H. Ikhwan Abidin Basri, MA H. Ikhwan Abidin Basri, MA Member
Anggota: Dr. H. Anwar Abbas, MM Member
Dewan Komisaris Board of Commissioners

Komisaris Utama: Sudarmin Sjamsoe, SE Sudarmin Sjamsoe, SE Chief Commisioner
Komisaris Independen: Drs. Hajriyanto Y. Thohari, MA Drs. Hajriyanto Y. Thohari, MA Independent Commissioner
Komisaris Independen: Prof. DR. Bambang Setiaji, MSi Prof. DR. Bambang Setiaji, MSi Independent Commissioner
Direksi Board of Directors

Direktur Utama: H. Riyanto, SE Ak H. Riyanto, SE Ak President Director
Direktur: Ir. Eriandi Ir. Eriandi Director
Direktur : Ir. Harry Harmono Busiri Ir. Harry Harmono Busiri Director
Direktur : Ruddy Susatyo Sumpeno, SE Ruddy Susatyo Sumpeno, SE Director
Kantor pusat Bank berlokasi di Jakarta, saat ini bank beroperasi The Bank’s head office is located in Jakarta, which operates
melalui 10 (sepuluh) cabang, 5 (lima) cabang pembantu dan 2 through its 10 (ten) branch offices, 5 (five) sub branch offices,
(dua) kantor kas. and 2 (two) cash offices.
BANK SYARIAH BUKOPIN ANNUAL REPORT 2011 | 11

2. Ikhtisar Kebijakan Akuntansi 2. Accounting Policy Highlights
a. Penyajian laporan keuangan a. Presentation of Financial Statement

Laporan Keuangan disusun berdasarkan konsep nilai historis, The financial statement is composed based on a historic cost
kecuali untuk akun-akun tertentu yang disajikan berdasarkan concept, apart from certain accounts which are reported
kebijakan akuntansi masing-masing akun tersebut. according to accounting policy of the related accounts.
Laporan keuangan Bank disajikan sesuai dengan Pernyataan Bank’s financial statements presented in accordance with
Standar Akuntansi Keuangan (PSAK) No. 31 tentang “Akuntansi Statement of Financial Accounting Standards (SFAS) No. 31,
Perbankan” yang diterbitkan oleh Ikatan Akuntan Indonesia. PSAK “Accounting for the Banking Industry” issued by the Indonesian
tersebut telah direvisi menjadi “PSAK No. 31 (Revisi 2000)” dan Institute of Accountants. IAS has been revised to “SFAS No. 31
berlaku efektif sejak tanggal 1 Januari 2000. Pada tanggal 1 Januari (Revised 2000) “and is effective from the date of January 1,
2010 PSAK No. 31 telah dicabut dengan PPSAK No. 4 mengenai 2000. On January 1, 2010 SFAS No. 31 has been repealed by
pencabutan Pernyataan Standar Akuntansi Keuangan PSAK No.31. PPSAK No. 4 regarding the revocation of SFAS Statement of
Financial Accounting Standards No.31.
Mulai tanggal 9 Desember 2008, laporan keuangan Bank disajikan Starting on December 9, 2008, the Bank’s financial statements
sesuai dengan Pernyataan Standar Akuntansi Keuangan (PSAK) No. presented in accordance with Statement of Financial
101 tentang penyajian laporan keuangan syariah, PSAK No. 102 Accounting Standards (SFAS) No. 101 of the Islamic financial
tentang akuntansi murabahah, PSAK No. 104 tentang akuntansi statement presentation, SFAS No. 102 on murabahah
istishna, PSAK No. 105 tentang akuntansi musyarakah, PSAK No. accounting, SFAS No. 104 on istishna accounting, SFAS No. 105
107 tentang akuntansi ijarah, Pedoman Akuntansi Perbankan on Musyarakah accounting, SFAS No. 107 on ijarah accounting,
Syariah Indonesia (PAPSI) dan prinsip-prinsip akuntansi yang Accounting Guidelines for Islamic Banking Indonesia (PAPSI)
berlaku umum yang ditetapkan Ikatan Akuntan Indonesia, and accounting principles generally accepted set Indonesian
mencakup pula pedoman akuntansi dan pelaporan yang Institute of Accountants, also include accounting and reporting
ditetapkan oleh Bank Indonesia. guidelines set by central bank of Indonesia.
Untuk penyajian laporan arus kas, kas dan setara kas terdiri dari For the presentation of cash flow statement, cash and cash
kas, giro pada Bank Indonesia, giro dan penempatan pada bank equivalents consist of cash, demand deposits at central bank of
lain yang jatuh tempo dalam waktu 3 (tiga) bulan atau kurang Indonesia, demand deposits and placements with other banks
sejak tanggal perolehannya serta tidak ada pembatasan dalam maturing within 3 (three) months or less from the date of
pencairannya. Arus kas dari aktivitas operasi disajikan dalam acquisition and no restrictions on redemption. Cash flows from
laporan arus kas dengan menggunakan metode langsung. operating activities presented in the statement of cash flows
using the direct method.
Berdasarkan PSAK No. 101, laporan keuangan bank Syariah yang Under SFAS No. 101, the financial statements are complete
lengkap terdiri dari komponen-komponen sebagai berikut : Islamic bank consist of the following components:
(i) laporan posisi keuangan; (i) Balance sheets;

(ii) Laporan laba rugi komprehensif; (ii) Statements of cmprehensive income;
(iii) Laporan arus kas; (iii) Statements of cash flow;
(iv) Laporan perubahan ekuitas; (iv) Statements of changes in stockholders equity;
(v) Laporan perubahan dana investasi terikat; (v) Statements of changes in restricted investments;

2. Ikhtisar Kebijakan Akuntansi -lanjutan 2. Accounting Policy Highlights - continue
(vi) Laporan sumber dan penggunaan dana zakat, infaq dan (vi) Statements of sources and uses of zakat fund, infaq, and
shadaqah; alms;
(vii) Laporan sumber dan penggunaan dana qardhul hasan; (vii) Statements of sources and uses of qardhul hasan funds;
(viii) Catatan atas laporan keuangan. (viii) Notes to financial statements.
Laporan perubahan dana investasi terikat merupakan laporan yang Statements of restricted investment is a report that shows the
menunjukkan perubahan (mutasi) investasi terikat berikut changes of (mutation) restricted investments including profit
keuntungan dan beban yang terjadi selama jangka waktu tertentu. and expense within a certain period.
Investasi terikat adalah investasi yang bersumber dari pemilik dana Restricted investments are investments from owners of
investasi terikat dan sejenisnya yang dikelola oleh Bank sebagai restricted investment fund and alike that are managed by the
agen investasi berdasarkan akad Mudharabah Muqayyadah yang Bank as the investments agent based on the principles of
peruntukannya telah ditentukan oleh pemilik dana. Investasi Mudharabah Muqayyadah decided by the fund owner.
terikat bukan merupakan aktiva maupun kewajiban Bank karena Restricted investments are neither assets nor liabilites of the
Bank tidak mempunyai hak untuk menggunakan atau menge- Bank, because the Bank is not entitled to use or withdraw the
luarkan investasi tersebut dan Bank tidak memiliki kewajiban investments and the Bank has no liability of returning the
mengembalikan atau menanggung risiko investasi. Bank investments and does not share the risk involved in the
mendapatkan keuntungan sebesar nisbah atas keuntungan investment. The Bank receives a profit from the investment
investasi yang telah disepakati. Jika terjadi kerugian maka Bank based on the agreed gain. In the event of loss, the Bank is not
tidak memperoleh apapun. entitled to anything.
Bank tidak membuat laporan sumber dan penggunaan dana zakat, The Bank does not prepare a report of sources and uses of
infaq dan shadaqah dan laporan sumber dari penggunaan dana zakat fund, infaq, and alms as well as shadaqah and report of
Qardhul hasan karena Bank tidak secara langsung menjalankan sources from Qardhul hasan fund use because the Bank is not
fungsi penyaluran dana zakat, infaq dan shadaqah serta dana directly involved in the management of the zakah fund, infaq,
Qardhul hasan tersebut (Catatan 1a). shadaqah and Qardhul hasan fund distribution (note 1a).
b. Transaksi dan Saldo dengan Pihak-pihak Berelasi b. Transactions and Balance with Related Parties
Bank melakukan transaksi dengan pihak-pihak berelasi. Dalam Bank transactions with related parties. In this report, the term
laporan keuangan ini, istilah pihak berelasi sesuai dengan PSAK No. party in accordance with SFAS No. 7 (Revised 2010) on
7 (Revisi 2010) tentang “Pengungkapan Pihak-pihak Berelasi”. “Disclosure of the parties relate to”.
Semua transaksi dan saldo yang signifikan dengan pihak berelasi, All significant transactions and balances relate to the parties,
baik yang dilakukan dengan syarat normal sebagaimana dilakukan whether performed by the normal condition as is done with an
dengan pihak yang tidak berelasi, maupun tidak, telah unrelated party, or not, have been disclosed in the notes to the
diungkapkan pada catatan atas laporan keuangan. financial statements.
Transaksi antara Bank dengan Badan Usaha Milik Negara/Daerah Transactions between the Bank and State Owned / Regional
dan institusi lain yang terkait dengan Pemerintah Republik and other institutions associated with the Government of the
Indonesia, dan karyawan, kecuali komisaris, direksi, dan karyawan Republic of Indonesia, and employees, except board of
kunci, tidak diperhitungkan sebagai transaksi dengan pihak-pihak commissioners, directors, and key employees, are not

berelasi berdasarkan PSAK No. 7 (Revisi 2010) tentang accounted for as transactions with related parties under SFAS
“Pengungkapan Pihak-pihak Berelasi”. No. 7 (Revised 2010) on “Disclosure of the parties relate to”.
Semua transaksi dengan pihak yang mempunyai hubungan All significant transactions with related parties are disclosed in
istimewa telah diungkapkan pada catatan atas laporan keuangan the notes herein to each accounts.
masing-masing akun.
c. Penyisihan kerugian dan kualitas aktiva produktif, aktiva non c. Allowance for Possible Losses and Quality of Earning Assets,
produktif dan estimasi kerugian komitmen dan kontinjensi Non Earning Assets and Estimated Losses on Commitments
Aktiva produktif terdiri dari penempatan pada Bank Indonesia and Contingencies
dalam bentuk sertifikat wadiah Bank Indonesia, giro pada bank Earning assets consist of placements with central bank of
lain, penempatan pada bank lain, efek-efek, piutang, pinjaman Indonesia in the form of Bank Indonesia wadiah certificates,
Qardh, pembiayaan Mudharabah dan Musyarakah, penyertaan current accounts with other banks, placement with other
saham dan kewajiban komitmen dan kontinjensi yang memiliki banks, securities, receivables, funds of Qardh, Mudharabah and
risiko penanaman dana. Musyarakah financing facilities, investments in shares of stock
and commitments and contingencies bearing credit risks.
Aktiva non produktif adalah aktiva bank yang memiliki potensi Non Earning Assets represents Bank Assets which have
kerugian antara lain dalam bentuk agunan yang diambil alih - potential loss such as foreclosed assets, unused property, inter-
property terbengkalai, rekening antar kantor, dan suspense branches account, and suspense account.
account.
Penyisihan kerugian kualitas aktiva produktif serta estimasi Allowance for possible losses on earning assets and
kerugian komitmen dan kontinjensi dibentuk berdasarkan hasil commitments and contingencies is provided based on
penelaahan dan evaluasi terhadap kualitas dari masing-masing management’s review and evaluation of the quality of each
aktiva produktif dan aktiva non produktif serta komitmen dan earning assets and commitments and contingencies at the end
kontinjensi pada akhir tahun. Dalam menentukan jumlah of the year. In determining the required allowance for possible
keseluruhan penyisihan kerugian tersebut, Bank menggunakan losses, Bank applies the guidelines prescribed by Central Bank
ketentuan Bank Indonesia tentang pembentukan Penyisihan of Indonesia.
Penghapusan Aktiva sebagai pedoman.
Pedoman pembentukan penyisihan kerugian aktiva produktif dan The guidelines in determining the allowance for possible losses
kualitas aktiva sebagaimana ketentuan Bank Indonesia tersebut on earning assets and assests qualities in accordance with Bank
adalah sebagai berikut: Indonesia regulation are as follows:
Berdasarkan Peraturan Bank Indonesia No.13/13/PBI/2011 tentang Based on Bank Indonesia No.13/13/PBI/2011 about asset
penilaian kualitas aktiva bagi Bank Umum Syariah dan Unit Usaha quality assessment for Islamic Banks and Sharia revoke the
Syariah mencabut PBI sebelumnya yaitu Peraturan Bank Indonesia previous Bank Indonesia Regulation. 8/21/PBI/2006 dated
No. 8/21/PBI/2006 tanggal 5 Oktober 2006 sebagaimana telah October 5, 2006, as amended by Bank Indonesia Regulation
diubah dengan Peraturan Bank Indonesia No.9/9/PBI/2007 dan PBI No. No.9/9/PBI/2007 and PBI. 10/24/PBI/2008 on Asset Quality
No. 10/24/PBI/2008 tentang Penilaian Kualitas Aktiva Bagi Bank Rating for Sharia Banks.
Syariah.

1) Penyempurnaan beberapa ketentuan , diantaranya: 1) Completion of several provisions, including: changes

perubahan perubahan pembiayaan mudharabah dan mudharabah and Musyarakah, replacement types of
musyarakah, penggantian jenis penempatan dana BUS/UUS placements Sharia Commercial Bank/Sharia Business Unit
pada Bank Indonesia dari sertifikat wadiah Bank Indonesia at Bank Indonesia certificates from a certificate wadiah
menjadi sertifikat Indonesia syariah, perubahan pengaturan Bank Indonesia to Indonesia Sharia certificate, change
property terbengkalai, pengaturan agunan yang diambil alih settings abandoned property, foreclosed properties
dan perubahan pengaturan validitas hasil penilaian oleh settings and setting changes the validity of the results
penilai independen. assessment by an independent appraiser.
2) Pembentukan cadangan umum dan khusus aset produktif 2) Establishment of general and specific reserves of
adalah sebagai berikut: productive assets is as follows:
i) Umum, sekurang-kurangnya sebesar 1% dari aset i) General, at least 1% of earning assets and
produktif dan komitmen dan kontinjensi yang commitments and contingencies are classified as
digolongkan lancar, tidak termasuk Sertifikat Wadiah Bank current, not including Bank Indonesia Certificates
Indonesia dan Surat Utang Pemerintah. Wadiah and Government bonds.
ii) Khusus, sekurang-kurangnya sebesar: ii) Special, at least for:

a) 5% dari aset produktif yang digolongkan dalam a) 5% of the productive assets are classified as special
perhatian khusus setelah dikurangi agunan; net of collateral;
b) 15% dari aset produktif yang digolongkan kurang b) 15% of earning assets classified as substandard
lancar setelah dikurangi agunan; after deducting the collateral;
c) 50% dari aset produktif yang digolongkan diragukan c) 50% of earning assets classified as doubtful after
setelah dikurangi agunan; dan deducting the collateral; and
d) 100% dari aset produktif yang digolongkan macet d) 100% of the productive assets classified as loss
setelah dikurangi agunan. after deduction of collateral.
3) Pengelompokan golongan kualitas pembiayaan Mudharabah 3) Grouping class quality Mudharabah and Musyarakah
dan Musyarakah dilakukan berdasarkan kemampuan financing based on ability to pay that refers to the ratio of
membayar yang mengacu pada rasio RBH terhadap PBH dan the PBH and RBH or the timely payment of principal.
atau ketepatan pembayaran pokok.
4) Pengelompokan golongan kualitas surat berharga syariah 4) Grouping class quality of Islamic securities classified as
digolongkan menjadi lancar apabila memiliki peringkat current if it has a rank higher than the value of investments
investasi lebih tinggi dari nilai yang diterbitkan oleh lembaga issued by a rating agency recognized by Central Bank of
pemeringkat yang diakui oleh Bank Indoneisa, kurang lancar Indonesia, supplying, substandard if there is delay in
apabila terdapat penundaan pembayaran bagi hasil, macet payment for the results, if the traffic does not meet the
apabila tidak memenuhi kreteria lancar dan kurang lancar. criteria of current and less current.
5) Pengelompokan golongan kualitas aktiva produktif dalam 5) Grouping classes of asset quality in the form of Musyarakah
bentuk pembiayaan mudharabah dan musyarakah and Mudharabah classified into 5 (five) classes of quality
digolongkan menjadi 5 (lima) golongan kualitas yakni lancar, that is current, special mention, substandard, doubtful and
dalam perhatian khusus, kurang lancar, diragukan dan macet. loss. As for the foreclosed properties, inter-office
Sedangkan untuk agunan yang diambil alih, transaksi antar transactions and suspence account grouped into smooth,

kantor dan suspence account dikelompokkan menjadi lancar, substandard, doubtful and loss.
kurang lancar, diragukan dan macet.
Saldo aktiva produktif dikurangkan dari masing-masing penyisihan The outstanding balance of earning assets is written off against
kerugian pada saat manajemen berpendapat bahwa aktiva the respective allowance for possible losses when
produktif tersebut sulit untuk ditagih. Penerimaan kembali aktiva management believes that the assets previously written-off is
produktif yang telah dihapusbukukan dicatat sebagai penambahan credited to allowance for possible losses in the current period.
penyisihan kerugian selama tahun berjalan.
d. Penempatan pada Bank Indonesia d. Placement with Central Bank of Indonesia

Penempatan pada Bank Indonesia terdiri dari Giro wadiah pada Placement with Central Bank of Indonesia consist of wadiah
Bank Indonesia dan Sertifikat wadiah Bank Indonesia yang current accounts and wadiah certificates issued by Central
merupakan sertifikat yang diterbitkan Bank Indonesia sebagai bukti Bank of Indonesia as proof of short-term fund deposits based
penitipan dana berjangka pendek dengan prinsip wadiah. on wadiah principles.
e. Giro pada bank lain e. Current Accounts with Other Banks

Giro pada Bank lain dinyatakan sebesar saldo giro dikurangi Current accounts with other banks are stated at their out-
dengan penyisihan kerugian. Bonus yang diterima dari bank umum standing balances net of allowance for possible losses. Bonuses
Syariah diakui sebagai pendapatan operasi lainnya. Pendapatan received from Sharia banks are recognized as other operating
jasa giro dari bank umum konvensional tidak diakui sebagai income. Intereset from current accounts placed with con-
pendapatan Bank tetapi dicatat sebagai dan digunakan untuk dana ventional banks is not recognized as the Bank’s income but is
kebajikan (qardhul hasan). recorder as and used for part of a charity fund (Qardhul hasan).
f. Kredit yang diberikan f. Credit Financing

Kredit yang diberikan dinyatakan sebesar jumlah tagihan kepada Credit financings are stated with acceptance receivable from
nasabah dikurangi dengan penyisihan penghapusan yang the customers less allowance for possible losses formed based
dibentuk berdasarkan hasil penelaahan terhadap kolektibilitas dari on analysis on collectability of the financed credit.
kredit yang diberikan.
g. Efek-efek g. Marketable securities

Efek-efek diklasifikasikan berdasarkan tujuan manajemen pada saat Marketable securities are classified based on the management
perolehan sebagai berikut : intention at acquisition as follows:
* Investasi efek yang diperdagangkan disajikan sebesar nilai * Investments in trading securities are stated at a fair value.
wajar. Keuntungan atau kerugian yang belum direalisasi akibat Gains or losses resulted from the increase or decrease in
kenaikan atau penurunan nilai wajarnya disajikan dalam fair value and not yet manifested are reflected in the
laporan laba rugi tahun berjalan. income statement of the year.
* Investasi efek yang tersedia untuk dijual disajikan sebesar nilai * Investment securities available for sale are stated at fair
wajar. Keuntungan atau kerugian yang belum direalisasi akibat value. Gains or losses resulting from the increase or
kenaikan atau penurunan nilai wajarnya dicatat sebagai decrease in fair value are recorded as a component of
komponen ekuitas dan diakui sebagai penghasilan atau beban equity and recognized as income or expense in the profit
pada saat laba atau rugi tersebut direalisasi. or loss when it is realized.

2. Ikhtisar Kebijakan Akuntansi - lanjutan 2. Accounting Policy Highlights - continue
* Investasi dalam efek hutang yang dimiliki hingga jatuh tempo * Investment in debt securities held to maturity are stated at
disajikan sebesar biaya perolehan yang disesuaikan dengan cost, adjusted for amortization of premiums and/or the
amortisasi premi dan/atau diskonto yang belum diamortisasi. unamortized discount.
h. Piutang h. Receivables
Piutang adalah tagihan yang timbul dari transaksi jual beli Receivables represent claims arising from the sale and
berdasarkan akad Murabahah dan Istishna serta dari transaksi sewa purchase transactions conducted on the basis of Murabahah
dengan akad Ijarah. and Istishna contracts and from lease transactions conducted
on the basis of Ijarah contracts.
Murabahah adalah transaksi penjualan barang dengan menyatakan Murabahah is a sales contract for goods in which the purchase
harga perolehan dan keuntungan (margin) yang disepakati oleh price and the margin has been agreed by both the buyer and
penjual dan pembeli. Murabahah dapat dilakukan berdasarkan the seller and are made explicit. A murabahah may or may not
pesanan atau tanpa pesanan. Dalam Murabahah berdasarkan be based on an order for goods. When an order is in place, the
pesanan, bank melakukan pembelian barang setelah ada Bank purchases the goods once the customers has placed the
pemesanan dari nasabah. Pada saat akad Murabahah, piutang order. Upon entering into a Murabahah contract, a Murabahah
Murabahah diakui sebesar biaya perolehan aset Murabahah receivable is recognized equivalent to the acquisition cost of
ditambah keuntungan yang disepakati. Piutang Murabahah the Murabahah assets plus the agreed margin. Murabahah
disajikan sebesar nilai bersih yang dapat direalisasikan yakni saldo receivables are stated at net realizable value, that is, the
piutang dikurangi penyisihan kerugian. Margin Murabahah yang balance if the receivable less allowance for possible losses.
ditangguhkan disajikan sebagai pos lawan piutang Murabahah. Deferred Murabahah margin is presented as a contra account
of Murabahah receivables.
Istishna adalah akad penjualan antara al-mustashni (pembeli) dan Istishna is a purchase agreement between an al-mustashni
al-shani (produsen yang juga bertindak sebagai penjual). (buyer) and an al-shani (manufacturer acting as the seller).
Berdasarkan akad tersebut, pembeli menugasi produsen untuk Based on the contract, the buyer orders the manufacturer to
membuat atau mengadakan al-mashnu (barang pesanan) sesuai make or to supply al-mashnu (goods ordered) to the
spesifikasi yang diisyaratkan pembeli dan menjualnya dengan specifications recuired by the buyer and to sell to the buyer at
harga yang disepakati. Piutang Istishna disajikan sebesar tagihan an agreed price. Istishna receivables are presented based on
termin kepada pembeli akhir dikurangi penyisihan kerugian. the outstanding billing less allowance for possible losses.
Piutang pendapatan Ijarah merupakan piutang dari porsi Ijarah receivables represent the income portion of the
keuntungan transaksi Ijarah Muntahiyah Bittamlik dari angsuran following month’s installment of Ijarah Muntahiyah Bittamlik
nasabah pada bulan berikutnya yang diakui secara proporsional. facilities that are recognized proportionally.
Bank menetapkan penyisihan kerugian sesuai dengan kualitas piu- The Bank provides allowance for possible losses based on the
tang berdasarkan penelaahan atas masing-masing saldo piutang. quality of each receivable balance.
i. Pembiayaan i. Financing
Pembiayaan Mudharabah adalah akad kerjasama usaha antara Mudharabah financing is a commercial cooperation contract
Bank sebagai pemilik dana (shahibul maal) dan nasabah sebagai between the Bank as the owner of the funds (shahibul maal)
pengelola dana (mudharib) untuk melakukan kegiatan usaha and the customer as the fund manager (mudharib) to conduct

dengan nisbah pembagian hasil (keuntungan atau kerugian) a business activity with nisbah profit sharing (profit or loss)
menurut kesepakatan di muka. according to a predetermined agreement.
Pembiayaan Mudharabah dinyatakan sebesar saldo pembiayaan Mudharabah financing is stated at the outstanding balance of
dikurangi dengan penyisihan kerugian. Bank menetapkan penyi- the financing less allowance for possible losses. Allowance for
sihan kerugian sesuai dengan kualitas pembiayaan berdasarkan possible losses is provided based on the quality of the financ-
penelaahan atas masing-masing saldo pembiayaan. ing as determined by a review on each individual account.
Apabila sebagian pembiayaan Mudharabah hilang sebelum In the event that a portion of the financing is lost prior to the
dimulainya usaha karena adanya kerusakan atau sebab lainnya start up of operations owing to damage or any other reason,
tanpa adanya kelalaian atau kesalahan pihak pengelola dana, maka without negligence or error on the part of the fund manager,
rugi tersebut mengurangi saldo pembiayaan Mudharabah dan the said loss shall be deducted from the Mudharabah financing
diakui sebagai kerugian bank. Apabila sebagian pembiayaan balance and shall be recognized as a loss by the Bank. In the
Mudharabah hilang setelah dimulainya usaha tanpa adanya event that a portion of the financing is lost after the commence-
kelalaian atau kesalahan pengelola dana maka rugi tersebut ment of operations for reasons unrelated to negligence or
diperhitungkan pada saat bagi hasil. error on the part of the fund manager, the loss shall be
distributed between the parties upon the determinated of
profit sharing between the Bank and the fund manager.
Pembiayaan Musyarakah adalah akad kerjasama yang terjadi Musyarakah financing is a partnership contract between fund
diantara para pemilik modal (mitra Musyarakah) untuk owners (Musyarakah partners) to contribute funds and conduct
menggabungkan modal dan melakukan usaha secara bersama business through partnership. All parties share profits based on
dalam suatu kemitraan dengan nisbah pembagian hasil sesuai a predeterminated ratio, while the loss will be distributed
dengan kesepakatan, sedangkan kerugian ditanggung secara proportionally based on the capital contribution.
proporsional sesuai dengan kontribusi modal.
Pembiayaan Musyarakah dinyatakan sebesar saldo pembiayaan Musyarakah financing is stated at the outstanding balance of
dikurangi dengan saldo penyisihan kerugian. Bank menetapkan the financing less allowance for possible losses. The Bank pro-
penyisihan kerugian sesuai dengan kualitas pembiayaan vides allowance for possible losses based on the quality of the
berdasarkan penelaahan atas masing-masing saldo pembiayaan. financing as determined by a review of each individual account.
j. Aset tetap j. Fixed Asset

Aset tetap dinyatakan sebesar biaya perolehan setelah dikurangi Fixed asset are stated at cost less accumulated depreciation
akumulasi penyusutan kecuali aset tetap tertentu yang dinilai excluded specific premises re-evaluated based on government
kembali berdasarkan Peraturan Pemerintah dan aset tetap tanah regulation and land premises not depreciated. Depreciation is
tidak disusutkan. Penyusutan dihitung dengan menggunakan computed using the straight-line method based on the
metode garis lurus (straight line method) berdasarkan taksiran estimated useful lives of the assets as follows:
masa manfaat ekonomis aset tetap sebagai berikut :

Keterangan Tahun/Year Items

Bangunan 20 Buildings
Instalasi 8 Instalations
Kendaraan Bermotor 4-8 Vehicles
Komputer 8 Computers
Mesin-mesin 8 Machineries
Peralatan Kantor 4 Office Equipment
Biaya pemeliharaan dan perbaikan dibebankan pada laporan laba The cost of repairs and maintenance is charged to operations
rugi pada saat terjadinya; pemugaran dan penambahan dalam as incurred; significant renewals and betterments are
jumlah signifikan dikapitalisasi. Nilai buku aset tetap yang sudah capitalized. When assets are retired or otherwise disposed of,
tidak digunakan lagi atau yang dijual, dikeluarkan dari kelompok their cost and the related accumulated depreciation are
aset tetap yang bersangkutan dan laba atau rugi yang terjadi removed from the accounts and any resulting gain or loss is
dilaporkan dalam laporan laba rugi pada tahun yang bersangkutan. credited or charged to current operations.
k. Beban dibayar di muka k. Prepaid Expenses

Biaya dibayar dimuka (disajikan dalam akun “Aset Lain-lain”) di Prepaid expenses (included as part of “Other Assets”) are
amortisasi selama masa manfaat masing-masing biaya dengan amortized over their expected beneficial periods using the
menggunakan metode garis lurus (straight-line method). straight-line method.
l. Agunan yang diambil alih l. Foreclosed Assets

Agunan pembiayaan yang diambil alih sehubungan dengan Properties acquired in settlement of financing facilities
penyelesaian pembiayaan (disajikan dalam akun aset Lain-lain) (included as part of Other Assets) are recognized at their net
diakui sebesar nilai bersih yang dapat direalisasi. Nilai bersih yang realizable values. Net realizable value is the fair value of an
dapat direalisasi adalah nilai wajar aset setelah dikurangi estimasi asset after deducting estimated settlement expenses. If the
biaya pelepasan. Apabila nilai agunan yang diperoleh, baik melalui foreclosed asset’s value acquired from either auction or
lelang maupun penyerahan secara sukarela, lebih kecil daripada voluntary conveyance is less than the financing or receivable,
pembiayaan atau piutang, maka selisihnya dibebankan pada the difference is charged to the allowance for possible losses of
penyisihan kerugian pembiayaan atau piutang. Jika nilai agunan financing or receivable. If the foreclosed assets value acquierd
yang diperoleh, baik melalui lelang maupun penyerahan sukarela, from either auction or voluntary conveyance is more than the
lebih besar dari pada pembiayaan atau piutang maka selisihnya financing or receivable, the difference is returned to the
dikembalikan ke nasabah. customer.
Manajemen mengevaluasi nilai agunan yang diambil alih secara Management evaluates the value of foreclosed assets regularly.
berkala. Penyisihan kerugian agunan yang diambil alih dibentuk An allowance for possible losses on foreclosed asset is
atas penurunan nilai yang terjadi disajikan sebagai pengurangan provided based on the decline in value of foreclosed asset.
dari akun agunan yang diambil alih.
m. Liabilitas segera m. Current Liability

Liabilitas segera merupakan liabilitas Bank kepada pihak lain yang Current Liability represent Liability to third parties, based on
sifatnya wajib segera dibayarkan sesuai dengan perintah pemberi contract or orders by those having authority, which have to be

amanat perjanjian yang ditetapkan sebelumnya. Liabilitas segera settled immediately. Current Liability are stated at the amount
dinyatakan sebesar nilai Liabilitas Bank. of the Bank’s liability.
n. Simpanan n. Deposits
Simpanan merupakan titipan pihak lain berdasarkan prinsip Deposits represent other parties’ funds based on wadiah yadh-
wadiah yadh-adhdhamanah dalam bentuk giro wadiah dan adhdhamanah principle in the form of wadiah demand
tabungan wadiah. deposits and wadiah savings deposits.
Giro wadiah dapat ditarik setiap saat dan dapat mendapatkan Wadiah demand deposits are available for withdrawal at
bonus sesuai kebijaksanaan Bank. Giro wadiah dinyatakan sebesar anytime and may earn bonus based on the Bank’s policy.
titipan pemegang giro di Bank. Wadiah demand deposits are stated at the amount entrusted
by depositors.
Sertifikat Deposito : merupakan deposito berjangka yang Deposits Certificate : time deposits stated with certificates that
dinyatakan dengan sertifikat yang dapat diperdagangkan dan can be traded and recorder with nominal value less amortized
dicatat sebesar nilai nominal dikurangi dengan bunga yang belum interest.
diamortisasi.
o. Investasi tidak terikat o. Unrestricted Investments

Investasi tidak terikat merupakan investasi dengan akad Unrestricted investments represent investments from other
Mudharabah Mutlaqah yaitu pemilik dana (shahibul maal) parties conducted on the basis of Mudharabah Mutlaqah
memberikan kebebasan kepada pengelola dana (mudharib/Bank) contract in which the owners of the funds (shahibul maal)
dalam pengelolaan investasinya. Investasi tidak terikat terdiri dari entrust to the fund manager (mudharib/Bank) the
tabungan Mudharabah, deposito Mudharabah, dan obligasi management of their investments. Unrestricted investments
Syariah Mudharabah subordinasi. consist of Mudharabah saving deposits, Mudharabah time
deposits and subordinated Sharia Mudharabah bonds.
Tabungan Mudharabah merupakan investasi yang hanya bisa Mudharabah saving depostis represent other parties’ funds of
ditarik sesuai dengan persyaratan tertentu yang disepakati. which they are entitled to withdraw under certain conditions.
Tabungan Mudharabah dinyatakan sebesar nilai investasi Mudharabah savings deposits are stated at the amount
pemegang tabungan di Bank. deposited by depositors.
Deposito berjangka Mudharabah merupakan investasi yang hanya Mudharabah time deposits represent other parties’ funds of
bisa ditarik pada waktu tertentu sesuai dengan perjanjian antara which they are entitled to withdraw at specific maturity dates
pemegang deposito berjangka Mudharabah dengan Bank. based on agreement between other parties (depositors) and
Deposito berjangka Mudharabah dinyatakan sebesar nilai nominal the Bank. Mudharabah time deposits are stated at nominal
sesuai dengan perjanjian antara pemegang deposito berjangka value based on agreements between the depositors and the
dengan Bank. Bank.

p. Pendapatan operasi utama p. Main Operating Income

Pendapatan operasi utama terdiri dari pendapatan dari Murabahah Main operating income consists of income from Murabahah
dan Istishna; pendapatan bagi hasil dari pembiayaan Mudharabah and Istishna transactions, income from profit sharing of
dan Musyarakah; pendapatan dari transaksi Ijarah Muntahiyah Mudharabah and Musyarakah financing income from Ijarah
Bittamlik dan pendapatan lainnya. Muntahiyah Bittamlik (leasing) and others.
Pendapatan dari transaksi istishna diakui apabila telah terjadi Income from istishna is recognized upon the delivery of goods.
penyerahan barang. Bagi hasil dari pembiayaan Mudharabah dan Proft sharing from Mudharabah and Musyarakah financing is
Musyarakah diakui pada saat angsuran diterima secara tunai (cash recognized upon collection (cash basis).
basis).
Pendapatan operasi utama lainnya terdiri dari pendapatan dari Other main operating income consists of income derived from
Sertifikat Wadiah Bank Indonesia, pendapatan dari penempatan Bank Indonesia Wadiah certificates, placements with other
pada bank Syariah lain dan pendapatan bagi hasil surat berharga Islamic banks and revenue sharing from sharia securities. Other
Syariah. Pendapatan operasi utama lainnya diakui pada saat main operating income is recognized upon collection.
diterima.
q. Hak pihak ketiga atas investasi tidak terikat q. Third Parties’ Share on Returns of Unrestricted Investments
Hak pihak ketiga atas bagi hasil investasi tidak terikat merupakan The share of third parties on the returns of unrestricted
bagian bagi hasil milik pihak ketiga yang didasarkan pada prinsip investments represents their share in the revenues of the Bank
Mudharabah Mutlaqah atas hasil pengelolaan dana mereka oleh derived from the management of such funds under
Bank dengan menggunakan sistem revenue sharing. Mudharabah Mutlaqah principles using revenue sharing
system as a mean of distributing profits to fund owners.
Jumlah pendapatan margin dan bagi hasil atas pembiayaan yang Margin income and profit sharing on financing facilities and
diberikan dan dari aset produktif lainnya yang akan dibagikan other earning assets for the distribution to fund owners and
kepada nasabah penyimpan dana dan Bank, dihitung secara the Bank are computed proportionally based on the allocation
proporsional sesuai dengan alokasi dana nasabah dan Bank yang of fund from owners and the Bank to be used in financing
dipakai dalam pembiayaan yang diberikan dan aset produktif facilities and other earning assets to be distributed to
lainnya yang disalurkan. Dari jumlah pendapatan marjin dan bagi customers and depositors as shahibul maal and to the Bank as
hasil yang tersedia untuk nasabah tersebut kemudian dibagihasil- mudharib in accordance with a pre-determined ratio. Margin
kan ke nasabah penabung dan deposan sebagai shahibul maal dan income and profit sharing from financing facilities and other
Bank sebagai mudharib sesuai dengan porsi nisbah bagi hasil yang earning assets using the Bank’s funds entirely become the
telah disepakati bersama sebelumnya. Pendapatan margin dan property of the Bank including income from the Bank’s fee-
bagi hasil atas pembiayaan yang diberikan dan aset produktif based transactions.
lainnya yang memakai dana Bank, seluruhnya menjadi milik Bank,
termasuk pendapatan dari transaksi Bank berbasis imbalan.
r. Pendapatan provisi dan komisi r. Fee and Commision Income

Pendapatan provisi dan komisi yang berkaitan langsung dengan Fee income and commision income which are directly related
kegiatan pembiayaan diakui sebagai pendapatan pada saat to financing activities or loans are recognized as income upon
diterima. receipt.

s. Imbalan pasca kerja s. Employee Benefits

Bank harus menyediakan program pensiun sesuai dengan Undang- The Bank is obliged to provide a defined pension plan in
undang (UU) Ketenagakerjaan No. 13/2003 atau kebijakan internal accordance with Labor Law No. 13/2003 or the Bank internal
Bank. Karena UU Ketenagakerjaan menentukan rumus tertentu policy. Because labor law is using a certain method to calculate
untuk menghitung jumlah minimal imbalan pensiun pada dasar- a minimum amount of pension benefit, basically pension
nya program pensiun berdasarkan UU Ketenagakerjaan adalah program based on labor law is a defined benefit program.
program manfaat pasti. Program-program ini pada umumnya These programs generally funded through payment to the
didanai melalui pembayaran kepada pengelola dana pensiun pension fund management as stated in the actuarial
sebagaimana ditentukan dalam perhitungan aktuarial yang computation periodically. Defined pension plan program is a
dilakukan secara barkala. Program pensiun manfaat pasti adalah pension program which determined the amount of pension
program pensun yang menentukan jumlah imbalan pensiun yang benefit contribution which given based on one or more factors
akan diberikan, yang pemberiannya biasanya didasarkan pada satu such as age, working period of the participating employees or
faktor atau lebih seperti usia, masa kerja atau kompensasi. compensation.
Liabilitas program pensiun manfaat pasti yang diakui di necara Defined beneficial pension program liability in the balance
adalah nilai kini liabilitas manfaat pasti pada tanggal Laporan posisi sheet is the present value of defined benefit liability on the
keuangan dikurangi nilai wajar aset program. serta disesuaikan date of Financial Report less program assets and in accordance
dengan keuntungan/ kerugian aktuarial dan biaya jasa lalu yang with actuarial gain and losses and past service cost. Benefit
belum diakui. Liabilitas manfaat pasti dihitung setiap tahun oleh liability is computed yearly by independent actuary using the
aktuaris independen menggunakan metode projected unit credit. projected-unit-credit method. The present value of defined
Nilai kini liabilitas manfaat pasti ditentukan dengan benefit liability is determined by discounting future outcome
mendiskontokan estimasi arus kas keluar masa depan dengan cash flow estimation by using high quality corporate obligation
menggunakan tingkat bunga obligasi korporasi berkualitas tinggi interest rate in the same currency as the payable benefits and
dalam mata uang yang sama dengan mata yang imbalan yang within the same due date as the related benefit.
akan dibayarkan dan waktu jatuh tempo yang kurang lebih sama
dengan waktu jatuh tempo imbalan yang bersangkutan.
Keuntungan dan kerugian aktuarial dapat timbul dari penyesuaian The accumulated actuarial gains and losses may arise from
yang dibuat berdasarkan pengalaman, perubahan asumsi-asumsi adjustment of actuarial assumptions and changes on the
aktuarial dan perubahan pada program pensiun. Apabila jumlah pension program. In the event actuarial gains and losses
keuntungan atau kerugian aktuarial ini melebihi 10% dan nilai kini exceeds 10% of the present value of defined benefit liability or
liabilitas manfaat pasti atau 10% dari nilai wajar aset program maka program assets value then excess will be credited to the
kelebihannya dibebankan atau dikreditkan pada laporan laba rugi statements of income over period until the concerned
selama sisa masa kerja rata-rata para karyawan yang bersangkutan. benefactor becomes vested.
t. Taksiran pajak penghasilan t. Tax expenses Estimation

- Bank menghitung pajak penghasilan berdasarkan Pernyataan - The Bank estimates tax expenses in accordance with
Standar Akuntansi Keuangan (PSAK) No.46 tentang “Akuntansi Statements of Financial Accounting Standards No. 46 on
Pajak Penghasilan”. “Tax Expenses Accounting”.

- Beban Pajak kini ditentukan berdasarkan laba kena pajak - Current tax expenses is estimated based on the estimated
dalam periode yang bersangkutan yang dihitung berdasarkan taxable income for the year calculated at the tax rates
tarif pajak yang berlaku. applied to the period.
- Aset dan liabilitas pajak tangguhan diakui atas konsekuensi - Deferred tax assets and liabilites are recorded over future
pajak periode mendatang yang timbul dari perbedaan jumlah tax consequences arising from the recognized differences
tercatat aset dan liabilitas menurut Laporan Keuangan dengan between the financial and tax bases of assets and liabilities.
dasar pengenaan pajak aset dan liabilitas. Liabilitas pajak tang- Deferred tax liabilites is recognized for temporary
guhan diakui untuk semua perbedaan temporer kena pajak differences in condition that it can be used to deduct
dan aset pajak tangguhan diakui untuk perbedaan temporer future tax income. Unrecognized deferred tax assets and
yang boleh dikurangkan, sepanjang besar kemungkinan dapat liabilities based on temporary differences arising from
dimanfaatkan untuk mengurangi laba kena pajak pada masa goodwill (negative goodwill) or on the recognition date of
datang. Aset dan liabilitas pajak tangguhan tidak diakui atas assets and Liability from transactions that are not a joint
dasar perbedaan temporer yang timbul dari goodwill (goodwill venture and not influential to the accounting income or
negatif) atau pada saat pengakuan awal aset dan liabilitas dari fiscal income.
suatu transaksi yang bukan penggabungan usaha dan tidak
mempengaruhi baik laba akuntansi maupun laba fiskal.
- Pajak tangguhan diukur dengan menggunakan tarif pajak yang - Deferred tax is measured at the tax rates that have been
berlaku atau secara substansial telah berlaku pada tanggal enacted or substantively enacted at the balance sheet
neraca. Pajak tangguhan dibebankan atau dikreditkan dalam date. Deferred tax is realized or credited to the statements
laporan laba rugi, kecuali pajak tangguhan yang dibebankan of income unless deferred tax assets and liabilities are
atau dikreditkan langsung ke ekuitas. realized or credited directly to the equity.
- Aset dan liabilitas pajak tangguhan disajikan di neraca atas - Asset and liability of deferred tax are realized in the
dasar kompensasi sesuai dengan penyajian aset dan liabilitas balances sheet based on compensation in accordance with
pajak kini. present tax and liabilities.
3. Kas 3. Cash
Akun ini terdiri dari : This account consists as follow:

Saldo kas dalam mata uang rupiah 19.566.163.450 19.087.661.150 Cash balance in Rupiah

4. Penempatan pada Bank Indonesia 4. Placements with Bank Indonesia


Giro Current Accounts
Giro wadiah 114.168.057.717 73.819.222.458 Wadiah Current Accounts
Jumlah giro 114.168.057.717 73.819.222.458 Total accounts
Sertifikat Wadiah Bank Indonesia - Bank Indonesia Wadiah Certificates
Fasilitas Bank Indonesia 191.000.000.000 68.600.000.000 Bank Indonesia Facility
Sertifikat BI Syariah 10.000.000.000 - Bank Indonesia Sharia Certificate
Jumlah 315.168.057.717 142.419.222.458 Total
Sesuai dengan peraturan Bank Indonesia No.6/21/PBI/2004 tanggal In accordance with Bank Indonesia Regulation No.6/21/
3 Agustus 2004 serta perubahannya sesuai peraturan Bank PBI/2004 dated August 3, 2004 and its revision based on Bank
Indonesia No.8/23/PBI/2006 tanggal 5 Oktober 2006, setiap bank Indonesia regulation No.8/23/PBI/2006 dated October 5, 2006,
diwajibkan memelihara Giro Wajib Minimum (GWM) yang besarnya every bank has to maintain Statutory Reserves equivalent to
ditetapkan sebesar 5% dari dana pihak ketiga. Selain memenuhi 5% of its denominated third-parties deposits. Besides to fulfill
ketentuan tersebut, jika Bank yang memiliki rasio pembiayaan that regulation, if the bank liquidity to deposits ratio is less
terhadap dana pihak ketiga kurang dari 80% wajib memelihara than 80%, it has to maintain additional reserve equivalent to
tambahan GWM sebesar 1% dari dana pihak ketiga. GWM Bank 1% of its rupiah denominated third-parties deposits. The Bank’s
pada tanggal 31 Desember 2011 dan 2010 masing-masing sebesar statutory reserves on December 31, 2011, and December 31,
5,048% dan 5,049%. 2010 are each respectively 5.048% and 5.049%.
Tingkat bonus per tahun sertifikat syariah Bank Indonesia yang Bank Indonesia Sharia certificates annual bonus received is at
diperoleh Bank berkisar antara setara 5,038% dengan Jangka rates 5.038% with the maturity periods of Bank Indonesia
waktu sertifikat syariah Bank Indonesia 9 bulan dan 6,28% dengan Sharia certificates of 9 months and at rates 6.28% with the
untuk Jangka waktu sertifikat syariah Bank Indonesia 9 bulan untuk maturity periods of Bank Indonesia Sharia certificates of 9
periode pada tanggal 31 Desember 2011 dan 2010. months for the period of December 31, 2011, and December
31, 2010.

5. Penempatan pada bank lain 5. Placements in other banks:


Pihak hubungan istimewa Related Parties
PT. Bank Bukopin. Tbk 254.209.400.037 276.431.615.153 PT. Bank Bukopin, Tbk
Dikurangi penyisihan penghapusan (2.542.094.000) (2.764.316.152) Less allowance for possible losses
Jumlah pihak ketiga 251.667.306.036 273.667.299.001 Total third parties

Pihak ketiga Third Parties
PT. Bank Nagari 4.507.354 102.929.813 PT. Bank Nagari
PT. Bank Central Asia Tbk 86.747.632 85.857.515 PT. Bank Central Asia Tbk
PT. Bank Rakyat Indonesia (Persero) Tbk 58.741.825 54.296.412 PT. Bank Rakyat Indonesia (Persero) Tbk
PT. Bank Syariah Mandiri 21.044.396 21.107.333 PT. Bank Syariah Mandiri
PT. Bank Mandiri (Persero) Tbk 10.248.059 13.157.872 PT. Bank Mandiri (Persero) Tbk
PT. Bank Pembangunan Daerah - Kalimantan Timur 1.769.825 12.081.215 PT. Bank Pembangunan Daerah - Kalimantan Timur
PT. Bank Internasional Indonesia Tbk 4.714.429 7.334.111 PT. Bank Internasional Indonesia Tbk
PT. Bank Danamon Tbk 31.000.270 4.522.846 PT. Bank Danamon Tbk
PT. Bank Tabungan Negara (Persero) Tbk. 1.847.544 2.130.544 PT. Bank Tabungan Negara (Persero)
PT. Bank BNP 234.956 884.956 PT. Bank BNP
PT. Bank Muamalat Indonesia 350.000 350.000 PT. Bank Muamalat Indonesia
Pembiayaan Financing
BPRS 2.728.072.285 3.567.554.356 BPRS
Jumlah 2.949.278.574 3.872.206.972 Total
Dikurangi penyisihan penghapusan (29.492.786) (38.722.070) Less allowance for possible losses
Jumlah 2.919.785.788 3.833.484.902 Total
Jumlah Bersih 254.587.091.825 277.500.783.903 Net Total
Ikhtisar perubahan penyisihan kerugian giro pada bank lain Highlights of changes in allowance for losses in current
adalah sebagai berikut : accounts with other banks are as follow:

Saldo awal tahun 2.803.038.221 2.759.962.765 Balance at the beginning of the year
Penyisihan (pembalikan) selama tahun berjalan (231.451.435) 43.075.456 Provision (reverse) during the year
Saldo akhir tahun 2.571.586.786 2.803.038.221 Balance at the end of year
Berdasarkan hasil penelaahan dan evaluasi manajemen Bank, Based on management’s review and evaluation on the
kolektibilitas atas seluruh giro pada bank lain pada tanggal-tanggal collectability of the Bank’s current accounts with other banks
31 Desember 2011 dan 2010, digolongkan lancar. Manajemen Bank as of December 31, 2011, and December 31, 2010, all current
berpendapat bahwa jumlah penyisihan kerugian untuk menutup accounts with other banks are classified as current.
kemungkinan kerugian akibat tidak tertagihnya giro pada bank lain Management believes that the allowance established is
dan pembiayaan adalah cukup dan telah memenuhi ketentuan adequate to cover to cover possible losses on uncollectible
Bank Indonesia. current accounts with other banks and has complied with Bank
Indonesia regulations.

6. Efek-efek 6. Securities
Pihak ketiga 31 Desember 2011 31 Desember 2010 Third parties

Negara Republik Indonesia 8.472.275.000 5.733.650.000 Republic of Indonesia
Untuk obligasi Negara Republik Indonesia dengan peringkat AAA+ For Republic of Indonesia obligations rated AAA+ sy by PT
sy ditetapkan oleh PT Pemeringkat Efek Indonesia (Pefindo). Pemeringkat Efek Indonesia (Pefindo).
Berdasarkan tujuan manajemen pada saat perolehannya, Sukuk Based on the management’s intention at time of acquisition,
Mudharabah negara Republik Indonesia diklasifikasikan sebagai Sukuk Mudharabah Republic of Indonesia are classified as held
dimiliki hingga jatuh tempo. to maturity.
Tingkat bagi hasil per tahun untuk sukuk yang diterima Bank Yearly profit sharing rate for the Bank’s receivable Sukuk
berkisar antara 8,70% untuk jangka waktu tiga tahun yang dimulai ranging from 8.70% for a period of three years beginning on
pada tanggal 10 Februari 2010 dan berakhir pada tanggal 10 February 10, 2010 and ending on February 10, 2013.
Februari 2013.
7. Pembiayaan 7. Financing
a. Berdasarkan jenis a. Based on type
31 Desember 2011
Lancar Dalam perhatian Kurang lancar Diragukan Macet Jumlah
Khusus
Current Special Mention Substandard Doubtful Loss Total
Murabahah Murabahah
Modal kerja 141.537.117.484 71.940.097.015 1.621.287.223 1.300.808.571 2.294.890.342 218.694.200.635 Working Capital
Investasi 596.803.778.191 91.482.603.664 452.387.551 624.970.000 3.489.462.074 692.853.201.480 Investment
Konsumsi 351.977.683.663 8.588.001.220 2.410.204.293 2.095.551.516 3.729.459.909 368.800.900.600 Consumption
Mudharabah Mudharabah
Modal kerja 212.959.739.945 960.588.371 4.343.096.578 232.762.499 472.490.382 218.968.677.775 Working Capital
Investasi 9.225.872 - - - - 9.225.872 Investment
Musyarakah Musyarakah
Modal kerja 351.366.390.203 41.147.844.923 534.410.960 3.644.364.000 3.434.492.989 400.127.503.075 Working Capital
Investasi 12.094.298.662 - - - - 12.094.298.662 Investment
Pinjaman Qardh 358.981.641 - - - - 358.981.641 Qardh Loan
1.667.107.215.660 214.119.135.193 9.361.386.605 7.898.456.586 13.420.795.695 1.911.906.989.739
Dikurangi : Less:
Penyisihan Kerugian (16.671.072.157) (3.510.910.579) (1.844.193.222) (1.295.207.309) (2.959.587.598) (26.280.970.864) Allowance for possible losses
1.650.436.143.504 210.608.224.613 7.517.193.383 6.603.249.278 10.461.208.097 1.885.626.018.875

7. Pembiayaan - lanjutan 7. Financing - continue
b. Berdasarkan sektor ekonomi b. Based on Economic Sector
31 Desember 2011
Khusus
Current Special Mention Substandard Doubtful Loss Total Rupiah :
Rupiah : Agriculture
Pertanian 21.056.113.300 - - - 45.885.584 21.101.998.884 Mining
Pertambangan - 445.200.000 - - - 445.200.000 Manufacture
Manufaktur 19.583.851.430 976.249.089 - - 178.475.350 20.738.575.869 Electricity
Tenaga Listrik 21.379.996.854 - - - - 21.379.996.854 Construction
Konstruksi 115.713.738.071 166.078.010.477 - 3.258.400.000 3.018.876.939 288.069.025.487 Trading
Perdagangan 359.523.646.426 12.263.730.532 765.337.057 1.856.259.506 2.303.471.719 376.712.445.239 Transportation
Transportasi 152.702.247.202 3.651.341.157 534.410.960 - 174.234.975 157.062.234.294 Business Services
Jasa dunia usaha 374.983.892.704 19.584.112.427 5.710.640.616 698.395.575 3.278.095.874 404.255.137.196 Social Services
Jasa sosial 224.810.879.754 536.000.000 53.197.800 - - 225.400.077.554 Others
Lain-lain 377.352.849.920 10.584.491.511 2.297.800.172 2.085.401.505 4.421.755.255 396.742.298.362
1.667.107.215.660 214.119.135.193 9.361.386.605 7.898.456.586 13.420.795.695 1.911.906.989.739 Less:
Dikurangi : Allowance for possible losses
Penyisihan Kerugian (16.671.072.157) (3.510.910.579) (1.844.193.222) (1.295.207.309) (2.959.587.598) (26.280.970.864)
1.650.436.143.504 210.608.224.613 7.517.193.383 6.603.249.278 10.461.208.097 1.885.626.018.875
c. Pembiayaan Kepada Bank Lain c. Financing to other Banks

Murabahah Murabahah
Modal kerja - - - - - - Work Capital
Investasi - - - - - - Investment
Konsumsi - - - - - - Consumption
Modal kerja 978.072.285 - - - - 978.072.285 Work Capital
Modal kerja 1.750.000.000 - - - - 1.750.000.000 Work Capital
2.728.072.285 - - - - 2.728.072.285
Dikurangi : Less:
Penyisihan Kerugian (27.280.723) - - - - (27.280.723) Allowance for possible losses
2.700.791.562 - - - - 2.700.791.562

a. Berdasarkan jenis a. Based on type

31 Desember 2010
Khusus
Murabahah Murabahah
Modal kerja 131.145.232.536 79.944.665.237 563.130.100 44.442.850 5.528.260.168 217.225.730.891 Working Capital
Investasi 628.860.578.378 15.390.071.948 1.892.412.495 663.641.604 12.925.598.594 659.732.303.019 Investment
Konsumsi 172.537.718.011 8.103.391.556 2.704.302.163 1.156.513.773 5.607.395.759 190.109.321.261 Consumption
Modal kerja 111.552.478.658 2.086.931.895 1.328.206.889 - 430.355.497 115.397.972.939 Working Capital
Investasi 223.528.512 - - - - 223.528.512 Investment
Modal kerja 317.284.692.018 28.835.199.997 2.446.931.499 11.955.000.000 11.461.974.875 371.983.798.389 Working Capital
Investasi 9.206.022.642 41.170.841.016 - - - 50.376.863.658 Investment
Pinjaman Qardh 571.711.300 - - - - 571.711.300 Qardh Loan
1.371.381.962.054 175.531.101.649 8.934.983.146 13.819.598.227 35.953.584.893 1.605.621.229.969
Dikurangi : Less:
Penyisihan Kerugian (13.713.819.621) (3.454.991.754) (360.648.524) (2.547.770.361) (3.142.480.526) (23.219.710.785) Allowance for possible losses
1.357.668.142.434 172.076.109.895 8.574.334.622 11.271.827.866 32.811.104.367 1.582.401.519.184

Rupiah : Rupiah :
Pertanian 26.587.989.265 - 67.814.226 362.281.291 2.000.000.000 29.018.084.782 Agriculture
Pertambangan 445.200.000 - - - 1.817.774.636 2.262.974.636 Mining
Manufaktur 12.825.513.148 4.250.000.000 2.137.809.775 - 3.512.475.729 22.725.798.652 Manufacture
Tenaga Listrik 33.503.309.822 - - - - 33.503.309.822 Electricity
Konstruksi 129.696.601.852 50.530.570.493 - 11.955.000.000 6.192.511.091 198.374.683.436 Construction
Perdagangan 282.658.939.028 15.246.326.071 1.515.151.712 44.442.850 7.863.432.237 307.328.291.898 Trading
Transportasi 217.144.742.060 45.408.520.004 761.398.127 - 2.981.444.543 266.296.104.734 Transportation
Jasa dunia usaha 297.294.577.257 50.518.059.686 2.277.523.785 301.360.313 3.541.598.823 353.933.119.864 Business Services
Jasa sosial 199.643.825.430 640.920.450 48.998.713 - 1.905.967.256 202.239.711.849 Social Services
Lain-lain 171.581.264.192 8.936.704.945 2.126.286.808 1.156.513.773 6.138.380.578 189.939.150.295 Others
1.371.381.962.054 175.531.101.649 8.934.983.146 13.819.598.227 35.953.584.893 1.605.621.229.969
Dikurangi : Less:
Penyisihan Kerugian (13.713.819.621) (3.454.991.754) (360.648.524) (2.547.770.361) (3.142.480.526) (23.219.710.785) Allowance for possible losses
1.357.668.142.434 172.076.109.895 8.574.334.622 11.271.827.866 32.811.104.367 1.582.401.519.184
c. Pembiayaan Kepada Bank Lain c. Financing to other Banks

Murabahah Murabahah
3.567.554.356 - - - - 3.567.554.356
Dikurangi : Less:
Penyisihan Kerugian (35.675.544) - - - - (35.675.544) Allowance for possible losses
3.531.878.812 - - - - 3.531.878.812

c. Berdasarkan jangka waktu (sesuai dengan perjanjian) c. Based on Financing Period (based on agreement)

< 1 tahun 333.106.494.931 247.048.080.360 < 1 year
> 1 tahun - 2 tahun 119.675.740.472 128.495.388.211 > 1 year - 2 years
> 2 tahun - 5 tahun 881.355.616.306 840.837.047.167 > 2 years - 5 years
> 5 tahun 577.769.138.029 389.240.714.231 > 5 years
1.911.906.989.739 1.605.621.229.969
Dikurangi : Less:
Penyisihan Kerugian (26.280.970.864) (23.219.710.785) Allowance for possible losses
1.885.626.018.875 1.582.401.519.184
d. Berdasarkan sisa umur jatuh tempo d. By Remaining Period to Maturity

< 1 tahun 458.717.868.990 408.763.836.621 < 1 year
> 1 tahun - 2 tahun 307.903.488.164 174.660.055.571 > 1 year - 2 years
> 2 tahun - 5 tahun 855.850.332.310 773.561.524.056 > 2 years - 5 years
> 5 tahun 289.435.300.275 248.635.813.721 > 5 years
1.911.906.989.739 1.605.621.229.969
Dikurangi : Less:
Penyisihan Kerugian (26.280.970.864) (23.219.710.785) Allowance for possible losses
1.885.626.018.875 1.582.401.519.184
8. Kredit yang diberikan 8. Credit Financing

a. Berdasarkan jenis a. Based on Type
31 Desember 2011
Khusus
Modal kerja - - - - - Work Capital
Investasi - - - - 2.584.587.494 2.584.587.494 Investment
- - - - 2.584.587.494 2.584.587.494
Dikurangi : Less:
Penyisihan Kerugian - - - - (133.510.332) (133.510.332) Allowance for possible losses
- - - - 2.451.077.163 2.451.077.163

Jasa Sosial - - - - 2.584.587.494 2.584.587.494 Social services
Lain-lain - - - - - - Others
- - - - 2.584.587.494 2.584.587.494
Dikurangi : Less:
- - - - 2.451.077.163 2.451.077.163

8. Kredit yang diberikan - lanjutan 8. Credit Financing - continue
a. Berdasarkan jenis a. Based on Type
31 Desember 2010
Khusus
Investasi - - - - 2.584.587.494 2.584.587.494 Investment
- - - - 2.584.587.494 2.584.587.494
Dikurangi : Less:
- - - - 2.451.077.163 2.451.077.163
Jasa Sosial - - - - 2.584.587.494 2.584.587.494 Social services

Lain-lain - - - - - - Others
- - - - 2.584.587.494 2.584.587.494
Dikurangi : Less:
- - - - 2.451.077.163 2.451.077.163
c. Jumlah kredit yang diberikan berdasarkan jangka waktu kredit : c. Total Credit Financing based on financing period:

> 1 tahun 2.584.587.494 2.584.587.494 > 1 tahun
Jumlah kredit yang diberikan 2.584.587.494 2.584.587.494 Total credit financing
Dikurangi : Penyisihan penghapusan kredit
yang diberikan (133.510.332) (133.510.332) Less: credit write off provision
Jumlah kredit yang diberikan-bersih 2.451.077.163 2.451.077.163 Total credit financing - net
d. Jumlah kredit yang diberikan berdasarkan sisa umur jatuh tempo: d. Total credit by Remaining Period to Maturity:
< 1 tahun 2.584.587.494 2.584.587.494 < 1 tahun

Jumlah kredit yang diberikan 2.584.587.494 2.584.587.494 Total credit financing
Dikurangi : Penyisihan penghapusan kredit
yang diberikan (133.510.332) (133.510.332) Less: credit write off provision
Jumlah kredit yang diberikan-bersih 2.451.077.163 2.451.077.163 Total credit financing - net
a. Pada tanggal 31 Juli 2007, Bank telah melakukan penjualan a On July 31, 2007, the Bank has sold and hand over credit
dan pengalihan aset-aset kredit termasuk bunga kepada PT. assets including interests to PT Bank Bukopin Tbk worth of
Bank Bukopin, Tbk senilai Rp. 93.432.606.393,- . Rp 93,432,606,393,- .
b. Pada tanggal 10 Agustus 2005, Bank telah melakukan b On August 10, 2005, the Bank has sold and hand over
penjualan dan pengalihan aset-aset kredit termasuk bunga credit assets including interests to PT Bank Bukopin Tbk
kepada PT. Bank Bukopin, Tbk senilai Rp. 211.668.814.136,- worth of Rp 211,668,814,136,- or until the Capital
atau sampai dipenuhinya CAR (Capital Adequacy Ratio) Bank. Adequacy Ratio is fulfilled.

Hak atas Piutang dan Jaminan Rights of Receivable and Guarantee

PT. Bank Bukopin, Tbk telah membeli dan menerima hak atas The Bank has submitted guarantee in form of current accounts to
piutang yang timbul dari fasilitas kredit (Asset Sales) dari Bank PT Bank Bukopin Tbk as receivables payment guarantee. As of
dengan nilai sebesar Rp.252.775.804.726 dan Rp. 266.176.503.461 December 31, 2011 and December 31, 2010, total guarantee value
masing-masing pada tanggal 31 Desember 2011 dan 31 Desember is each respectively Rp 252,775,804,726 and Rp 266,176,503,461.
2010.
Bank telah menyerahkan jaminan dalam bentuk rekening giro PT Bank Bukopin Tbk has bought and received the rights of
kepada PT. Bank Bukopin Tbk sebagai penjamin pembayaran receivables arised from assets sales facilities from the bank at Rp
piutang, sampai dengan tanggal 31 Desember 2011 dan tanggal 252,775,804,726 and Rp 266,176,503,461 each respectively on
31 Desember 2010 jumlah jaminan tersebut sebesar December 31, 2011, and December 31, 2010.
Rp.252.775.804.726 dan Rp. 266.176.503.461.
Ketentuan Bank Indonesia Bank Indonesia Regulations

Piutang Murabahah kepada pihak yang mempunyai hubungan Murabahah receivables from related parties which are bank’s key
istimewa yaitu perusahaan serta individu-individu yang terkait personals, sister companies and individual persons related with
dengan Bank sebagaimana yang diatur dalam PSAK No.7 “tentang Bank as defined under statements of financial accounting standard
pengungkapan pihak-pihak yang mempunyai hubungan istimewa” No. 7 “related party disclosure” respectively were conducted at
yang dilaksanakan dengan syarat dan kondisi yang sama dengan terms and conditions similar to those granted to third parties as of
pihak ketiga pada tanggal 31 Desember 2011 dan tanggal 31 December 31, 2011 and December 31, 2010, amounting to Rp
Desember 2010 sebesar Rp. 28.013.523.204 dan Rp. 26.022.686.790. 28,013,523,204 and Rp 26,022,686,790.
Piutang dan pembiayaan yang dijamin dengan deposito Receivables and financing guaranteed by mudharabah time
mudharabah pada tanggal 31 Desember 2011 dan tanggal 31 deposits as of December 31, 2011, and December 31, 2010, each
Desember 2010 sebesar Rp.46.500.000.000 dan Rp. 32.923.295.700 respectively amounting to Rp 46,500,000,000 and Rp
32,923,295,700.
Piutang dan pembiayaan yang dijamin dengan giro wadiah pada Receivables and financing guaranteed by wadiah current account
tanggal 31 Desember 2011 dan tanggal 31 Desember 2010 sebesar as of December 31, 2011, and December 31, 2010, each
Rp. 46.750.000 dan Rp. 770.462.086. respectively amounting to Rp 46,750,000 and Rp 770,462,086.
Piutang dan pembiayaan yang dijamin dengan tabungan wadiah Receivables and financing guaranteed by wadiah saving deposits
pada tangaal 31 Desember 2011 dan tanggal 31 Desember 2010 as of December 31, 2011, and December 31, 2010, each
sebesar Rp. 9.766.000.000 dan Rp.5.820.000.000. respectively amounting to Rp 9,766,000,000 and Rp 5,820,000,000.
Marjin Murabahah Rupiah (Jual Beli) diputuskan margin minimal Rupiah Murabahah margin (Purchase and Sell) are decided to be at
adalah sebagai berikut : least as follows:

Pembiayaan UKM 15 - 20% 15 - 20% Small and Medium Business Financing
Pembiayaan Komersial 14 - 18% 14 - 18% Commercial Financing

Perubahan atas piutang adalah sebagai berikut : Changes on receivables are as follows:

Saldo awal 64.661.455.797 64.661.455.797 Beginning balance
Ikhtisar perubahan penyisihan kerugian Highlights of changes in allowance for possible

pembiayaan adalah sebagai berikut: financing losses are as follow:

Saldo awal tahun 23.219.710.785 15.436.709.908 Balance at the beginning of year
Penyisihan tahun berjalan 3.061.260.079 7.441.835.134 Current year provision
Reklasifikasi penyisihan tahun berjalan Reclassification of provision
dari penyisihan kredit yang diberikan - 341.165.744 current year credit financing provision
Ikhtisar perubahan penyisihan kerugian kredit Highlights of changes in allowance for possible
yang diberikan adalah sebagai berikut: financing losses are as follow:

Saldo awal tahun 133.510.332 474.676.076 Balance at the beginning of year
Penyisihan (pembalikan) konvensional tahun berjalan Current year conventional provision (reverse)
Reklasifikasi penyisihan Provision reclassification
tahun berjalan ke penyisihan pembiayaan syariah - (341.165.744) current year sharia financing provision
Saldo akhir tahun 133.510.332 133.510.332 Balance at the end of year
9. Pendapatan yang masih akan diterima 9. Receivable Income

Terdiri dari pendapatan margin dan bagi hasil atas : Consist of margin income and profit sharing from:

Piutang : Receivables:
Investasi 6.801.704.409 4.985.978.194 Investment
Modal kerja 807.523.069 1.088.116.485 Working Capital
Konsumtif 2.299.961.551 1.177.016.159 Consumption
Pembiayaan : Financing:
Modal kerja 5.252.991.501 2.699.171.140 Working Capital
Investasi 11.522.628 1.791.739.368 Investment
Lainnya 194.574.266 140.581.951 Others
Jumlah 15.368.277.424 11.882.603.297 Total

10. Pajak dibayar dimuka dan uang muka 10. Advance payment and Prepaid taxes
Akun ini terdiri dari : The account consist of:
Pajak dibayar dimuka: Prepaid taxes
Surat Ketetapan Pajak Lebih Bayar 82.045.707 82.045.707 Assesment of Tax Overpayment
Uang Muka: Advance Payment:
Sarana logistik 8.624.858.707 1.642.346.600 Logistics facilities
Pendirian 3.076.499.491 13.458.663.195 Establishment
Perjalanan dinas - 4.550.000 Work travel
Jumlah uang muka 11.701.358.198 15.105.559.795 Advance payment total
Jumlah 11.783.403.905 15.187.605.502 Total
11. Beban dibayar di muka 11. Prepaid expenses

Akun ini terdiri dari : This account consist of
Sewa 12.169.782.805 8.652.872.585 Rent
Pemeliharaan inventaris 6.393.188.096 3.103.502.913 Inventory maintenance
Personalia 2.430.001.205 1.091.200.000 Human resources
Persediaan barang cetakan dan alat tulis kantor 851.796.828 1.010.221.049 Printing and stationary supplies
Iklan dan promosi 707.736.048.57 575.797.515 Advertisement and promotion
Premi asuransi 2.295.320.857 342.031.474 Insurance premium
Persediaan meterai dan perangko 189.779.800 191.531.800 Supply of stamp
Pajak 141.410.904 85.319.744 Taxes
Pendirian 12.403.161 17.064.543 Establishment
Lainnya 3.411.711.423 3.227.075.000 Others
Jumlah beban dibayar di muka 28.603.131.129 18.296.616.621 Total of prepaid expenses
12. Aset tetap 12. Fixed assets

31 Desember 2011 / December 31, 2011
Saldo Awal Penambahan Pengurangan Saldo akhir
Balance at beginning Additional Less Balance at the end
Jenis aset tetap Rp. Rp. Rp. Rp. Type of fixed assets
Nilai tercatat Cost of acquisition
Pemilikan langsung Direct ownership
Hak atas tanah 15.025.600.000 3.789.000.000 656.500.000 18.158.100.000 Land rights
Bangunan 19.075.877.666 5.635.137.508 239.238.500 24.471.776.674 Buildings
Peralatan kantor 4.752.809.109 1.731.629.375 56.099.645 6.428.338.839 Office equipments
Kendaraan bermotor 7.371.096.415 5.285.117.000 707.350.000 11.948.863.415 Vehicles
Komputer 10.233.833.843 723.844.283 342.391.888 10.615.286.238 Computer
Mesin-mesin 7.295.118.160 1.998.153.957 78.958.850 9.214.313.267 Machineries
Jumlah nilai tercatat 63.754.335.192 19.162.882.123 2.080.538.883 80.836.678.432 Total cost of acquisition
Akumulasi penyusutan Accumulated depreciation

Pemilikan langsung Direct ownership
Bangunan 1.920.980.944 1.049.363.517 186.257.662 2.784.086.799 Buildings
Peralatan kantor 5.529.332.649 618.180.895 55.279.581 6.092.233.963 Office equipments
Komputer 6.740.902.708 830.976.153 324.140.513 7.247.738.349 Computer
Mesin-mesin 4.430.509.371 423.040.857 65.422.415 4.788.127.813 Machineries
Jumlah akumulasi penyusutan 19.760.313.427 4.246.902.455 816.628.115 23.190.587.767 Total of accumulated depreciation
Nilai buku 43.994.021.765 57.646.090.664 Book value

12. Aset tetap - Lanjutan 12. Fixed assets - continue
31 Desember 2010
Saldo Awal Penambahan Pengurangan Saldo akhir
Balance at beginning Additional Less Balance at the end
Jenis aset tetap Rp. Rp. Rp. Rp. Type of fixed assets
Nilai tercatat Cost of acquisition
Pemilikan langsung Direct Ownership
Hak atas tanah 15.025.600.000 - - 15.025.600.000 Land Rights
Bangunan 17.521.878.210 1.553.999.456 - 19.075.877.666 Buildings
Peralatan kantor 4.629.148.627 557.685.650 434.025.168 4.752.809.109 Office equipments
Komputer 9.158.063.119 1.589.977.424 514.206.700 10.233.833.843 Computer
Mesin-mesin 6.552.083.634 754.194.526 11.160.000 7.295.118.160 Machineries
Jumlah nilai tercatat 54.334.720.004 10.564.407.056 1.144.791.868 63.754.335.192 Total cost of acquisition
Accumulated depreciation
Akumulasi penyusutan Direct ownership
Pemilikan langsung Buildings
Bangunan 1.009.870.616 911.110.329 - 1.920.980.944 Office equipments
Peralatan kantor 5.178.691.915 752.291.723 401.650.989 5.529.332.649 Vehicles
Kendaraan bermotor 870.165.394 453.822.357 185.399.997 1.138.587.755 Computer
Komputer 6.139.134.428 1.115.974.891 11.159.999 6.740.902.708 Machineries
Mesin-mesin 3.714.406.732 727.262.638 514.206.611 4.430.509.371 Total of accumulated depreciation
Jumlah akumulasi penyusutan 16.912.269.085 3.960.461.939 1.112.417.596 19.760.313.427 Book value
Nilai buku 37.422.450.919 43.994.021.765
Beban penyusutan untuk periode duabelas bulan yang berakhir Depreciation expenses for the year that ended on December
pada tanggal 31 Desember 2011 dan tahun yang berakhir pada 31, 2011, and December 31, 2010 each respectively is
tanggal 31 Desember 2010 masing-masing sebesar Rp4,246,902,455,- and Rp3,960,461,939,- .
Rp4.246.902.455,- dan Rp3.960.461.939,- .
13. Aset Lain-lain 13. Other assets

Akun ini terdiri dari : This account consist of:

December 31, 2011 Desember 31, 2010
Agunan diambil Alih 91.581.982.144.33 30.506.382.082 Foreclosed assets
Aset dalam penyelesaian Assets in settlement
Umum dan pembiayaan 8.743.317.431.95 16.669.582.876 General and credit
Tagihan 7.405.356.326 3.145.714.317 Payable
Rupa-rupa aset lainnya 3.730.000 3.730.000 Other assets
Jumlah 107.734.385.903 50.325.409.275 Total
Dikurangi Less
Penyisihan atas penurunan nilai Depreciation provision
Agunan diambil Alih (983.847.350) (363.113.449) Foreclosed assets
Aset lainnya (134.612.633) (31.457.143) Other assets
Jumlah aset lain-lain 106.615.925.920 49.930.838.683 Total of other assets
Agunan yang diambil alih merupakan pengambil alihan jaminan Foreclosed a takeover of the customer to guarantee the loan
nasabah untuk penyelesaian transaksi pinjaman, dimana jaminan settlement, which was submitted as a guarantee of repayment
tersebut diserahkan sebagai pelunasan pinjaman berdasarkan of loans based on the owner voluntarily surrender the

13. Aset Lain-lain - lanjutan 13. Other assets - continue
penyerahan secara sukarela oleh pemilik agunan atau surat kuasa collateral or power of attorney to sell.
untuk menjual.
Aset dalam penyelesaian merupakan proses perpindahan Construction in progress is a process of transfer of ownership
kepemilikan jaminan dari nasabah ke bank sebagai pelunasan guarantees from the customer to the bank as loan repayment
pinjaman yang masih dalam proses legalitas. are still in the process of legality.
14. Giro 14. Current accounts

Akun ini terdiri dari : This account consists of:
Giro wadiah terdiri dari : Wadiah current account consists of:
Jumlah giro wadiah 102.965.714.420 95.501.632.957 Total wadiah current accounts
Giro umum terdiri dari : General current accounts consist of:
Giro Pihak ketiga 86.159 592.504 Third parties current account
Jumlah giro umum 86.159 592.504 Total general current accounts
Jumlah 102.965.800.580 95.502.225.461 Total
Suku bunga rata-rata atas giro umum dan nisbah Average interest rate of general current accounts and
bagi hasil giro wadiah adalah sebagai berikut : nisbah for wadiah current accounts profit sharing is as
follows:
Giro wadiah 2% 2% Wadiah current accounts
Giro umum 2% 2% General current accounts
15. Tabungan 15. Deposits

Tabungan terdiri dari : Deposits consists of:
Tabungan wadiah Wadiah deposits
Tabungan haji 1.458.521.048 1.828.227.002 Hajj deposits
Tabungan Mudharabah Mudharabah deposits
Jumlah tabungan 271.629.158.621 202.888.115.470 Total deposits
Suku bunga rata-rata atas tabungan umum dan nisbah Average interest rate on general deposits and nisbah for
bagi hasil tabungan wadiah adalah sebagai berikut : wadiah deposits profit sharing is as follows:
Tabungan wadiah 2,5% 3% Wadiah deposits

16. Deposito berjangka 16. Time deposits

1. Jenis Deposito Mudharabah 1. Type of Mudharabah time deposits
Deposito Mudharabah Mudharabah deposits
Jumlah deposito berjangka 1.917.142.765.702 1.323.523.046.771 Total time deposits
2. Jangka Waktu Deposito Mudharabah 2. Maturity of Mudharabah time deposits

1 bulan 1.471.350.353.317 999.891.880.111 1 month
3 bulan 290.140.862.385 197.642.416.360 3 months
6 bulan 98.248.700.000 76.141.900.300 6 months
12 bulan 57.402.850.000 49.846.850.000 12 months
Jumlah deposito berjangka 1.917.142.765.702 1.323.523.046.771 Total of time deposits
3. Rincian deposito berdasarkan sisa umur sampai dengan jatuh tempo 3. Time deposits detail based on remaining period to maturity time
< 1 bulan 1.627.684.030.716 1.097.636.762.209 < 1 month
> 1 - 3 bulan 186.966.684.986 147.019.983.562 > 1 - 3 months
> 3 - 6 bulan 71.701.100.000 51.666.851.000 > 3 - 6 months
> 6 - 12 bulan 30.790.950.000 27.199.450.000 > 6 - 12 months
1.917.142.765.702 1.323.523.046.771
Suku bunga rata-rata atas deposito berjangka dan nisbah Average interest rates over time deposits and nisbah profit
bagi hasil deposito mudharabah adalah sebagai berikut : sharing Mudharabah Time Deposits are as follow:
Deposito mudharabah 6,75% 8,75% Mudharabah time deposits
17. Liabilitas segera lainnya 17. Other Liability

Terdiri dari : Consists of:
Pembukaan rekening 72.250.298 112.056.395 Opening of accounts
Transfer 2.542.876.537 4.231.555.482 Transfer
Bagi hasil yang akan dibayar 2.280.609.922 3.035.106.479 Payable profit sharing
Sarana logistik dan personalia 328.465.154 281.145.567 Logistics facilities and personals
Lain-lain 274.806.189 59.100.937 Others
Jumlah Liabilitas segera lainnya 5.499.008.101 7.718.964.859 Total of other Liability
18. Perpajakan 18. Taxes

a. Pajak yang masih harus dibayar a. Payable taxes
Pajak penghasilan pasal 21 174.680.730 187.129.025 Article 21 of income taxes
Pajak deposito murabahah 2.238.038.899 1.441.948.871 Mudharabah time deposits taxes
Pajak tabungan wadiah 33.231.958 8.580.867 Wadiah deposits taxes
Pajak tabungan murabahah 28.749.138 12.325.554 Murabahah deposits taxes
Pajak giro wadiah 14.541.997 6.268.086 Wadiah current account taxes
Pajak Penghasilan Pasal 29 1.885.552.500 - Article 29 of Income Taxes
Lainnya 604.489.163 82.301.715 Others
Jumlah 4.979.284.385 1.738.554.117 Total

18. Perpajakan - lanjutan 18. Taxes - continue
b. Beban Pajak Penghasilan b. Income taxes expenses

Manfaat (beban) pajak perusahaan untuk yang berakhir pada Benefits (expenses) of Company taxes for that ended on
tanggal 31 Desember 2011 dan tahun yang berakhir pada December 31, 2011, and for the year that ended on
tanggal 31 Desember 2010, terdiri dari : December 31, 2010 consist of:

Pajak kini (1.885.552.500) Nihil / Nil Current taxes
Manfaat (Beban) pajak tangguhan (927.331.602) (4.685.191.954) Benefits (expenses) of deferred taxes
Jumlah (2.812.884.102) (4.685.191.954) Total
c. Pajak kini c. Current taxes

Rekonsiliasi antara laba rugi pajak penghasilan menurut Reconciliation between income and losses of income taxes in
laporan laba rugi dengan laba kena pajak untuk yang berakhir accordance with statements of income with taxable incomes
pada tanggal 31 Desember 2011 dan tahun yang berakhir pada for that ended on December 31, 2011, and for the year that
tanggal 31 Desember 2010, adalah sebagai berikut: ended as of December 31, 2010 are as follow:

Laba sebelum taksiran pajak penghasilan Income prior to taxes estimation according to
menurut laporan laba rugi 15.021.719.308 14.919.335.146 income and losses statement
Perbedaan temporer: Temporary differences
Penyusutan aset tetap - 474.718.651 Fixed assets depreciation
- Pesangon 612.039.963 1.022.904.000 - Employee benefits
Jumlah perbedaan temporer 612.039.963 1.497.622.651 Total temporary differences
Perbedaan permanen: Permanent differences
- Pengobatan 60.606.471 77.994.875 - Medical treatments
- Jamuan 490.577.978 541.409.408 - Entertaining
- Biaya pajak - - - Taxes
Jumlah perbedaan permanen 551.184.450 619.404.283 Total permanent differences
Jumlah koreksi fiskal 1.163.224.413 2.117.026.934 Total fiscal correction
Laba fiskal 16.184.943.721 17.036.362.080 Fiscal income
Kompensasi Kerugian Fiskal: Fiscal losses compensation
Akumulasi Kerugian Fiskal Tahun Lalu (79.813.985.783) (103.419.903.006) Accumulation of Last year’s fiscal losses
Kerugian Fiskal lebih dari 5 tahun fiskal 71.171.253.044 6.569.555.144 Losses exceeding than 5 years
Kompensasi Rugi (8.642.732.739) (96.850.347.862) Accumulation of fiscal losses
Penghasilan Kena Pajak (Rugi) Fiskal 7.542.210.982 (79.813.985.783) Fiscal taxable income (loss)
Taksiran Pajak Penghasilan Income tax estimation
25% x 7.542.210.000 1.885.552.500 - Article 29 of income tax estimation
Taksiran hutang PPh Pasal 29 1.885.552.500 -
d. Pajak tangguhan d. Deferred Taxes

Pajak tangguhan dihitung berdasarkan pengaruh dari perbedaan Deferred taxes are computed based on the influence of
temporer antara jumlah tercatat aset dan Liabilitas menurut temporary differences between total acquired assets and
laporan keuangan dengan dasar pengenaan pajak aset dan Liabilities in accordance with financial statements based on

Liabilitas. Rincian dari aset dan Liabilitas pajak tangguhan Bank per asset taxation and Liability. Details of assets and deferred taxes
31 Desember 2011 dan 31 Desember 2010 adalah sebagai berikut : Liability as of December 31, 2011 and December 31, 2010 are
as follow:

Taksiran pajak penghasilan - ditangguhkan Estimation of deferred income taxes
Penyusutan aset tetap - 118.679.663 Fixed assets depreciation
- Kerugian fiskal (1.080.341.592) (5.059.597.616) - Fiscal losses
- Imbalan kerja 153.009.991 255.726.000 - Work benefits
Jumlah (927.331.602) (4.685.191.954) Total
Aset (Liabilitas) pajak tangguhan - bersih Deferred taxes assets (liability) - Net
Saldo awal 25.066.728.354 29.751.920.307 Beginning balance
Penyusutan aset tetap Fixed assets depreciation
Kerugian fiskal yang telah dibukukan - 118.679.663 Fiscal losses written-on
Kerugian fiskal (1.080.341.592) (5.059.597.616) Fiscal losses
Pesangon 153.009.991 255.726.000 Benefits
Jumlah aset (Liabilitas) pajak tangguhan 24.139.396.752 25.066.728.354 Total deferred taxes assets (liability)
Bank melakukan penangguhan perhitungan beban pajak The Bank conducted a deferred estimation of deferred taxes
tangguhan atas kompensasi kerugian fiskal yang lebih dari 5 (lima) expenses over fiscal losses compensation of that exceeds 5
tahun untuk per tanggal 31 Desember 2011 dan 2010, dan Bank years as of dated December 31, 2011, and December 31, 2010,
Syariah Bukopin telah mendapat keputusan hasil pemeriksaan and Bank Syariah Bukopin has received the examination result
untuk tahun 2005 yaitu Surat Ketetapan Pajak Kurang Bayar for the year 2005, that is Underpaid Tax Assesment and Nil-tax
(SKPKB) dan surat ketetapan pajak nihil atas pajak penghasilan Assesment for the Income Tax with details as follow:
sebagai berikut dengan rincian sebagai berikut;
Masa pajak Objek pajak No hasil pemeriksaan Tanggal terbit Jumlah kurang bayar (SKPKB)
Tax period Tax object Number of result monitoring Date Total Underpaid Tax
2005 Surat Ketetapan Pajak PPh Badan 00014/506/05/073/11 30 Desember 2011 NIHIL
Tax Assessment Letter for Entity Income Tax December 30, 2011 NIL
2005 Surat Ketetapan Pajak PPh 23 00014/203/05/073/11 30 Desember 2011 (174.813.847)
Tax Assessment Letter for Income Tax No. 23 December 30, 2011 (174,813,847)
2005 Surat Ketetapan Pajak PPh 4 (2) Final 00003/240/05/073/11 30 Desember 2011 (131.376.461)
Tax Assessment Letter for Income Tax No 4 (2) Final December 30, 2011 (131,376,461)
2005 Surat Ketetapan Pajak PPh 21 00011/201/05/073/11 30 Desember 2011 (62.761.435)
Tax Assessment Letter for Income Tax No. 21 December 30, 2011 (62,761,435)
2005 Surat Ketetapan Pajak PPN 00023/207/05/073/11 30 Desember 2011 (8.850.030)
Tax Assessment Letter for Value Added Tax December 30, 2011 (8,850,030)
2005 Surat Tagihan Pajak PPN 00007/107/05/073/11 30 Desember 2011 (1.195.950)
Tax Collection Letters December 30, 2011 (1,195,950)

Untuk tahun pajak 2006, 2007 dan 2008 sampai dengan saat ini For the tax year of 2006, 2007, and 2008, up until now the bank
bank masih dalam proses pemeriksaan oleh Kantor Pelayanan is still in examination process by the Tax Office in accordance
Pajak sesuai dengan surat perintah pemeriksaan Nomor : PRIN- to inspection warrant No: PRIN-00223/WJP.06/KP.1205/RIK.
00223/WJP.06/KP.1205/RIK.SIS/2010 tertanggal 1 November 2010, SIS/2010 dated November 1, 2010, No: PRIN- 00239/WJP.06/
Nomor : PRIN- 00239/WJP.06/KP.1205/RIK.SIS/2010 tertanggal 1 KP.1205/RIK.SIS/2010 dated November 1, 2010, No: PRIN-
November 2010, Nomor PRIN-00240/WPJ.06/KP.1205/RIK.SIS/2010 00240/WPJ.06/KP.1205/RIK.SIS/2010 dated November 1, 2010,
tertanggal 1 November 2010, Nomor : PRIN-0231/WPJ.06/KP.1205/ and No: PRIN-0231/WPJ.06/KP.1205/RIK.SIS/2010 dated
RIK.SIS/2010 tertanggal 1 November 2010. November 1, 2010.
19. Pinjaman yang diterima 19. Funds borrowings

Kredit likuiditas KP-RS/RSS 49.780.291.300 49.780.291.300 Liquidity Credit of KP-RS/RSS
Bank Indonesia - 3.019.558.294 Bank Indonesia
Jumlah 49.780.291.300 52.799.849.594 Total
a. Berdasarkan Akta No.32/239/UK Indek No.0002-KPR tanggal 12 a. Based on Deed No.32/239/UK Index No.0002-KPR dated
Mei 1999 kredit yang diberikan untuk waktu maksimal 21 May 12, 1999, credit financing for the period of maximum
tahun sampai dengan 31 Maret 2020 dan dihitung sejak 21 years as of March 31, 2020 and estimated since date of
tanggal pelimpahan dana dengan plafon sebesar Rp. fund devolution with ceiling of Rp 20,222,000,000 (twenty
20.222.000.000 ( dua puluh milyar dua ratus dua puluh dua juta billion two hundred twenty two million rupiah) as stated in
rupiah ) seperti termaksud dalam pasal 32 ayat 2, 3, dan pasal article 32 point 2, 3, and article 35 Bank Indonesia
35 Undang-undang Bank Indonesia 1968. Pelunasan KL KPR regulation year 1968. Settlement of KL KPR year 1999 is
Tahun 1999 dilaksanakan per semester (setiap 30 Juni dan 31 conducted per semester (every June 30 and December 31)
Desember) yang dimulai sejak 30 Juni 2000 dan dibebankan started since June 30, 2000 and changed on the beginning
pada awal bulan Juli dan Januari dan mengenai syarat-syarat of July and January and other requirements are stated in BI
lainnya tercantum dalam SK Direksi BI No. 31/93/KEP/DIR, SE BI Directors decision letter No. 31/93/KEP/DIR, SE BI No.
No. 31/13/UK masing-masing tanggal 9 September 1998 31/13/UK respectively dated September 9, 1998 on KP-RS
perihal KP-RS dan KP-RSS. and KP-RSS.
b. Berdasarkan Surat Menteri Negara Perumahan dan Pemukiman b. Based on letter of the State Ministry of Housing and
Nomor. 253/UM.0101/A.III/10/1999 tanggal 18 Oktober 1999 Residential No. 253/UM.0101/A.III/10/1999 dated October
dan Surat Menteri Keuangan Nomor. S-351/MK-017/1999 18, 1999 and Ministry of Finance letter No.S-351/MK-
tanggal 21 September 1999 tentang persetujuan pembiayaan 017/1999 dated September 21, 1999 on approval of KP-RS/
KP-RS/RSS TA 1999/2000. Pelaksanaan lebih lanjut atas perse- RSS TA 1999/2000. Further conducts of this agreement
tujuan ini diterbitkan perjanjian Pinjaman antara pemerintah were the publication of loan agreement between
c.q. Departemen Keuangan dengan PT. Bank Tabungan Negara government: Finance Department with PT Bank Tabungan
(Persero) dan selanjutnya sebagai Bank koordinator segera Negara (Persero) and as Coordinator Bank further followed
menindaklanjuti dengan membuat surat perjanjian penerusan up by making a letter of agreement of loans with each
pinjaman dengan masing-masing Bank pelaksana penyalur. distribution Bank.

19. Pinjaman yang diterima - lanjutan 19. Funds borrowings - continue
c. Berdasarkan perjanjian penerusan pinjaman antara PT. Bank c. Based on loans agreement between PT Bank Tabungan
Tabungan Negara (pihak pertama) dan Bank (pihak kedua), Negara (first party) and Bank (second party) on loans
sehubungan dengan perjanjian pinjaman dalam rangka agreement in terms ownership credit of RS/RSS
pembiayaan kredit pemilikan RS/RSS TA.1999/2000 No. 07/PKS/ TA.1999/2000 No. 07/PKS/DIR/2000 dated February 8,
DIR/2000 Tanggal 08 Februari 2000, Pemerintah melalui pihak 2000, the government through first party provides fund
pertama menyediakan dana setinggi-tingginya sebesar Rp. with as high as of Rp16,960,481,512, secondly for TA.2000
16.960.481.512, yang kedua untuk TA.2000 No.21/PKS/ No.21/PKS/DIR/2001 dated February 22, 2001, as high of
DIR/2001 tanggal 22 Februari 2001 setinggi-tingginya sebesar Rp. 20.703.980.143, third for TA.2001 No.51/PKS/DIR/2001
Rp. 20.703.980.143, dan yang ketiga untuk TA.2001 No.51/PKS/ dated November 02, 2001 as high as of Rp19,575,642,000,
DIR/2001 tanggal 02 November 2001 setinggi-tingginya so total financing to second party used as loans by second
sebesar Rp. 19.575.642.000, sehingga total pinjaman yang party to meet the KP-RS/RSS credit as high as of
diberikan kepada pihak kedua untuk dipergunakan sebagai Rp60,240,103,655.
pinjaman oleh pihak kedua guna memenuhi kredit KP-RS/RSS
setinggi-tingginya sebesar Rp. 60.240.103.655.
20. Penempatan dari bank lain 20. Placements with other banks
Investasi mudharabah - 170.000.000.000 Mudharabah investment
Deposito mudharabah 24.895.793.500 93.449.100.000 Mudharabah time deposits
Tabungan bisnis mudharabah 6.614.440.028 3.159.906.777 Mudharabah business deposits
Giro Pada Bank Lain 3.971.745.294 4.348.924.509 Current accounts with other banks
Jumlah 35.481.978.822 270.957.931.286 Total
21. Beban yang masih harus dibayar 21. Payable expenses

Bunga kredit likuiditas KP-RS/RSS - Credit interests liquidity KP-RS/RSS
Tunjangan prestasi 5.188.320.618 6.248.708.303 Awards benefits
Dana pendidikan 510.096.261 174.169.841 Education fund
Tunjangan hari raya 803.116.068 619.665.511 Lebaran allowance
Jumlah 6.501.532.947 7.042.543.655 Total
22. Liabilitas lain-lain 22. Other Liability

Titipan asset sales 8.980.186.752 16.509.506.569 Assets sales deposits
Administrasi kredit 8.621.923.880 9.653.469.191 Credit administration
Rekening konversi pasiva lainnya - 1.313.447.610 Other liability conversion accounts
Setoran jaminan 311.051.000 886.080.884 Guarantee deposits
Lainnya 4.883.627.501 4.283.001.546 Others
Jumlah 22.796.789.134 32.645.505.799 Total

22. Liabilitas lain-lain - lanjutan 22. Other Liability - continue
Adminsitrasi kredit merupakan administrasi dari pembayaran Credit administration represents administration from
angsuran pokok dan bunga kredit KPR, KPRS dan KPRM dari aset settlement of principal installment and credit interest of KPR,
sales dan kredit. KPRS, and KPRM from assets sales and credit.
Pasiva lainnya merupakan rekening titipan atas angsuran pokok Other liabilities represent deposits account over principal
dan bunga bantuan uang muka (BUM) KPRS dan YKPP. installment and prepaid fund interest of KPRS and YKPP.
Titipan aset sales adalah titipan pembayaran angsuran pokok, Assets sales deposits represent principal installment settlement
pendapatan diterima dimuka dan bunga KPRS dan KPRS YKPP aset deposit, prepaid income, and KPRS YKPP assets sales interests
sales dari kredit yang telah dilakukan penjualan oleh Bank kepada from credit sales by the Bank to PT Bank Bukopin Tbk.
PT. Bank Bukopin Tbk.
Rekening konversi pasiva lainnya merupakan pendapatan diterima Other liabilities conversion account represents prepaid income
dimuka dari angsuran kredit yang secara pencatatan belum from credit installments that are unrecognized in sharia.
dimasukkan dalam bentuk syariah.
23. Pinjaman subordinasi 23. Subordinated loan

Berdasarkan surat perjanjian investasi mudharabah subordinasi, Based on subordinated mudharabah investments letter of
tanggal 15 Desember 2009, antara PT. Bank Bukopin Tbk. dengan agreement dated December 15, 2009 between PT Bank
Bank, disebutkan bahwa PT. Bank Bukopin Tbk.menyediakan dana Bukopin Tbk with the Bank, stated that PT Bank Bukopin Tbk
investasi kepada Bank sebesar Rp. 100.000.000.000., dengan provided investment fund to the Bank amounting
ketentuan sebagai berikut: Rp100,000,000,000, with requirements as follow:
1. Perjanjian ini dengan jangka waktu 6 (enam) tahun sejak 1. The agreement is valid for 6 (six) year since the date of the
tanggal penandatanganan perjanjian. agreement signed.
2. Pembayaran bagi hasil (mudharabah) sebesar 70% untuk PT. 2. Payment of earnings share (mudharabah) of 70% to PT
Bank Bukopin Tbk.dan 30% untuk Bank. Bank Bukopin Tbk and 30% to the Bank.
3. Bagi hasil berasal dari pendapatan operasional Bank. 3. Earnings shares from the Bank operational income.
4. Pembayaran kewajiban bagi hasil kepada PT. Bank Bukopin 4. Payment of earnings shares liability to PT Bank Bukopin
Tbk. dilaksanakan pada setiap awal bulan selambat-lambatnya Tbk is conducted on the 10th day of every month at the
pada tanggal 10. latest.
5. Pembayaran pokok investasi mudharabah subordinasi 5. Payment of subordinated mudharabah investments
dilaksanakan pada saat jatuh tempo. principal is conducted on due date.
Pencairan pertama pinjaman investasi mudharabah subordinasi First liquidation of subordinated mudharabah investments was
dilakukan pada tanggal 28 Desember 2009 sebesar Rp. conducted on December 28, 2009 amounting of
50.000.000.000. Rp50,000,000,000.
Perjanjian pinjaman investasi mudharabah subordinasi ini telah The subordinated mudharabah investments letter of
mendapat surat persetujuan dari Bank Indonesia dengan surat No. agreement was approved with approval letter from Central
11/1594/DPbS tanggal 24 November 2009. Bank of Indonesia with letter No. 11/1594/DPbS dated
November 24, 2009.

24. Liabilitas imbalan kerja 24. Benefits Liability

Perusahaan melakukan pencadangan estimasi Liabilitas untuk The Company conducted a reservation of Liability estimation
uang pesangon, uang penghargaan masa kerja dan ganti kerugian of benefits, working period reward benefits and losses
sesuai dengan UU No. 13/2003 tanggal 25 Maret 2003 tentang compensation in accordance with regulation No. 13/2003
Tenaga Kerja tentang “Penyelesaian Pemutusan Hubungan Kerja dated March 25, 2003 on labor on “Settlement of termination
dan Penetapan Uang Pesangon, Uang Penghargaan Masa Kerja of work and determination benefits, working period reward
dan Ganti Kerugian di Perusahaan”. Pencadangan ini dilakukan benefits and losses compensation in the company”. The
sesuai dengan PSAK No. 24 tentang “Imbalan Kerja”. reservation is conducted in accordance with PSAK No. 24 on
“work benefits”.
Beban imbalan pasca kerja yang diakui dilaporan laba rugi adalah: Post working benefits expenses recognized in statements of
income are:
Biaya jasa kini 694.920.000 671.322.000 Current services expenses
Biaya bunga 499.060.000 379.336.000 Interest expenses
Keuntungan aktuaria yang belum diakui - (68.664.000) Unrecognized actuarial profit
Biaya jasa lalu 40.909.333 40.910.000 Past services expenses
Jumlah 1.234.889.333 1.022.904.000 Total
Mutasi Liabilitas bersih di neraca adalah sebagai berikut : Balance sheets net liability mutations are as follow:
Saldo awal tahun 5.570.214.000 4.629.607.000 Balance in the beginning of year

Beban tahun berjalan 1.234.889.333 1.022.904.000 Expenses during the year
Pembayaran manfaat (622.849.370) (82.297.000) Benefits payment
Perbantuan 1.293.834.000 - Aiding
Saldo akhir tahun 7.476.087.963 5.570.214.000 Balance in the end of year
Liabilitas imbalan pasca kerja yang termasuk dalam neraca Liability of post work benefits included in the balance sheets
berdasarkan proyeksi selama sembilan bulan dari laporan aktuaria based on the latest actuarial statements from PT Eldridge
independen PT Eldridge Gunaprima Solution ditambah dengan Gunaprima Solution, added with the Bank’s estimation for the
estimasi dari Bank selama tiga (3) bulan sampai dengan akhir tahun period of three (3) months until the end of the year as of
sehingga untuk posisi 31 Desember 2011 dan 31 Desember 2010, December 31, 2011, and December 31, 2010, are as follow:
adalah sebagai berikut :
Nilai kini Liabilitas 6.595.888.889 5.907.148.000 Present value of Liability
Kerugian masa lalu (322.287.070) (274.846.000) Past losses
Kerugian aktuarial yang belum diakui 1.202.486.144 (62.088.000) Unrecognized actuarial losses
Liabilitas bersih 7.476.087.963 5.570.214.000 Net Liability
Asumsi utama yang digunakan dalam menentukan estimasi biaya Main assumption used in expenses and Liability of post work
dan Liabilitas imbalan kerja oleh manajemen dan PT Eldridge benefits estimation by the management and PT Eldridge
Gunaprima Solution, aktuaris independen,untuk posisi 31 Gunaprima Solution, independent actuary, as of December 31,
Desember 2011 dan 31 Desember 2010 adalah sebagai berikut: 2011, and December 31, 2010 are as follow:

24. Liabilitas imbalan kerja - lanjutan 24. Benefits Liability - continue

a. Tingkat proyeksi kenaikan gaji 8 % per tahun 8 % per tahun
b. Bunga Teknis 6,5 % per tahun 7 % per tahun
25. Modal saham 25. Capital Stock

a. Bank telah mendapat Surat Keputusan dari Direktorat Peng- a. The Bank received a letter of decision from Supervisory
awasan Bank Indonesia 1 No. 7/246/DPwBI/PWB16 tanggal 29 Directorate Central Bank of Indonesia 1 No. 7/246/DPwBI/
Juli 2005 tentang pengesahan Modal disetor Bank yang ter- PWB16 dated July 29, 2005 on the ratification of the
koreksi Rp 20.000.000 pada tahun 2004 ke setoran modal. corrected Bank’s issued capital of Rp 20,000,000 in year
2004 to the capital.
b. Berdasarkan akta No. 32 tertanggal 09 Desember 2005 yang b. Based on deed No. 32 dated December 9, 2005 by H. Arry
dibuat dihadapan H. Arry Supratno, SH., Notaris di Jakarta Supratno, S.H., a notary in Jakarta on capital of
tentang Modal Dasar Rp 300.000.000.000 terjadi perubahan Rp300,000,000,000 shares reclassification from general
klasifikasi saham dari saham biasa menjadi saham seri A dan shares into A and B series shares. Consisted of A series
seri B. Terbagi atas saham seri A sejumlah 8.137.000 lembar shares of 8,137,000 shares with nominal value of Rp10,000
saham dengan nilai nominal Rp 10.000 atau senilai Rp or amounting Rp 81,370,000,000 and B series shares of
81.370.000.000 dan seri B sejumlah 2.186.300.000 lembar 2,186,300,000 shares with nominal value of Rp100. The deed
saham dengan nilai nominal Rp 100. Akta ini telah mendapat was approved by the Ministry of Law and Human Rights of
pengesahan dari Menteri Kehakiman dan Hak Asasi Manusia the Republic of Indonesia with letter of decision dated
republik Indonesia, dengan Surat Keputusan tertanggal 15 December 15, 2005 No. C-33348.HT.01.04.TH.2005.
Desember 2005 No. C-33348.HT.01.04.TH.2005.
c. Sampai dengan tanggal 30 Desember 2005, Bank telah c. As of December 30, 2005, the Bank received issued capital
menerima setoran modal sebesar Rp 174.000.000.000 yang of Rp174,000,000,000 recognized in Escrow Account Bank.
dicatat dalam Escrow Account Bank. Sesuai dengan surat In accordance with letter from Bukopin No. 352/DOPS/
Bukopin No.352/DOPS/I/2006 tertanggal 17 Januari 2006 I/2006 dated January 17, 2006 on withdrawal of parts of the
mengenai penarikan sebagian setoran modal pada Bank senilai capital issued to the Bank amounting Rp8,000,000,000, the
Rp 8.000.000.000. Penarikan ini telah dilakukan pada tanggal withdrawal dated January 20, 2006 amounting
20 Januari 2006 senilai Rp 6.000.000.000 dan Rp 2.000.000.000 Rp6,000,000,000 and Rp2,000,000,000 dated January 25,
pada tanggal 25 Januari 2006, sehingga total setoran modal ke 2006 so that total capital issued to the Bank amounting
Bank menjadi Rp 42.000.000.000. Dan PT Mitra Usaha Sarana Rp42,000,000,000. And PT Mitra Usaha Sarana added its
menambahkan setoran modalnya pada tanggal 05 dan 11 capital issuance dated January 05 and 11, 2006 of
Januari 2006 senilai Rp 3.000.000.000, sehingga jumlah setoran Rp3,000,000,000, so the total issued capital amounting
modalnya menjadi Rp 8.000.000.000 Rp8,000,000,000.
d. Berdasarkan akta keputusan Rapat Umum Pemegang Saham d. Based on deed No. 26 decision of Extraordinary General
Luar Biasa No.26 tertanggal 29 Desember 2005, yang dibuat Meeting of Shareholders dated December 29, 2005 by
dihadapan Adrian Djuaini, SH., Notaris di Jakarta, mengenai Adrian Djuaini, S.H., a notary in Jakarta, on changes of
perubahan Modal Dasar Rp1.000.000.000.000 yang terbagi atas capital Rp1,000,000,000,000 consisted of A series shares of
saham seri A sejumlah 8.137.000 saham dengan nilai nominal 8,137,000 shares with nominal value of Rp10,000 or worth
Rp10.000 atau senilai Rp 81.370.000.000 dan saham seri B of Rp81,370,000,000 and B series shares of 9,186,300,000

25. Modal saham - lanjutan 25. Capital Stock - continue
sejumlah 9.186.300.000 saham dengan nilai nominal Rp100 shares with nominal value of Rp100 or worth of Rp
atau senilai Rp 918.630.000.000. Akta ini telah mendapat 918,630,000,000. The deed was approved by the Ministry
pengesahan dari Menteri Kehakiman dan Hak Asasi Manusia of Law and Human Rights of the Republic of Indonesia No.
Republik Indonesia No. C-01608.HT.01.04.TH.2006 tanggal 19 C-01608.HT.01.04.TH.2006 dated January 19, 2006.
Januari 2006.
e. Berdasarkan akta keputusan Rapat Umum Pemegang Saham e. Based on deed No. 27 of Extraordinary General Meeting of
Luar Biasa No. 27 tertanggal 31 Maret 2008, yang dibuat Shareholders dated March 31, 2008 by Adrian Djuaini, S.H.,
dihadapan Adrian Djuaini, SH., Notaris di Jakarta, mengenai a notary in Jakarta on acquisition of all new shares of
akuisisi seluruh saham baru sebesar 2.000.000.000 saham seri C 2,000,000,000 C series share with nominal value of Rp50,-
dengan nilai nominal Rp. 50,- yang dikeluarkan dari protepel issued by the Bank. The deed was approved by the Ministry
Bank. Akta ini telah mendapat pengesahan dari Menteri of Law and Human Rights of the Republic of Indonesia No.
Kehakiman dan Hak Asasi Manusia Republik Indonesia No. AHU-22464.AH.01.02 year 2008 dated May 2, 2008.
AHU-22464.AH.01.02 Tahun 2008 tanggal 2 Mei 2008.
f. Berdasarkan akta keputusan Rapat Umum Pemegang Saham f. Based on deed No. 24 of Extraordinary General Meeting of
Luar Biasa No. 24 tertanggal 24 Maret 2011, yang dibuat di Shareholders dated March 24, 2011 by Adrian Djuaini, S.H.,
hadapan Adrian Djuaini, SH., Notaris di Jakarta, mengenai a notary in Jakarta on capital addition placed on and paid
penambahan modal ditempatkan dan disetor sebesar of 2,000,000,000 C series share with nominal value of
2.000.000.000 saham seri C dengan nilai nominal Rp. 50,-. Akta Rp50,-. The deed was approved by the Ministry of Law and
ini telah mendapat pengesahan dari Menteri Kehakiman dan Human Rights of the Republic of Indonesia No. AHU-
Hak Asasi Manusia Republik Indonesia No. AHU-0044477. 0044477.AH.01.09 year 2011 dated June 1, 2011. Total
AH.01.09 Tahun 2011 tanggal 1 Juni 2011. Sehingga Modal capital stock issued and fully paid is as follow:
saham yang telah ditempatkan dan disetor penuh adalah
sebagai berikut :
Per 31 Desember 2011 As of December 31, 2011

Pemegang Saham Jumlah Saham / Total Share Shareholders
Seri Saham A Seri Saham B Seri Saham C % Kepemilikan Jumlah
A Series Share B Series Share C Series Share % Ownership Total
Drs. Hajriyanto Y Thohari. MA 3.667.000 - - 0,06% 36.670.000.000 Drs. Hajriyanto Y Thohari,MA
DR. Abdul Munir Mulkhan 990.000 - - 0,02% 9.900.000.000 DR. Abdul Munir Mulkhan
Prof. DR. Ir. M. Amin Azis 710.000 - - 0,01% 7.100.000.000 Prof. DR. Ir. M. Amin Azis
Firman Noor 490.000 - - 0,01% 4.900.000.000 Firman Noor
Tee Suprapto 425.000 - - 0,01% 4.250.000.000 Tee Suprapto
Prof. DR. H.M. Dawam Rahardjo. SE 350.000 - - 0,01% 3.500.000.000 Prof. DR. H.M. Dawam Rahardjo,SE
Ir. H.M. Dasron Hamid. M.Sc 290.000 - - 0,01% 2.900.000.000 Ir. H.M. Dasron Hamid,M.Sc
Drs. H. Sugeng 200.000 - - 0,00% 2.000.000.000 Drs. H. Sugeng
Emil Abeng 1.015.000 50.000.000 - 0,90% 15.150.000.000 Emil Abeng
Prof. DR. Bambang Setiaji. M.Si - 90.000.000 - 1,58% 9.000.000.000 Prof. DR. Bambang Setiaji, M.Si
PT Bank Bukopin. Tbk - 420.000.000 4.000.000.000 77,57% 242.000.000.000 PT Bank Bukopin,Tbk
PT Bakrie Capital Indonesia - 350.000.000 - 6,14% 35.000.000.000 PT Bakrie Capital Indonesia
PT Mega Capital Indonesia - 350.000.000 - 6,14% 35.000.000.000 PT Mega Capital Indonesia
PT Jamsostek (Persero) - 350.000.000 - 6,14% 35.000.000.000 PT Jamsostek (Persero)
PT Mitra Usaha Sarana - 80.000.000 - 1,40% 8.000.000.000 PT Mitra Usaha Sarana
Jumlah 8.137.000 1.690.000.000 4.000.000.000 100,00% 450.370.000.000 Total

25. Modal saham - lanjutan 25. Capital Stock - continue
Per 31 Desember 2010 As of December 31, 2010

Pemegang Saham Jumlah Saham / Total Share Shareholders
Seri Saham A Seri Saham B Seri Saham C % Kepemilikan Jumlah
A Series Share B Series Share C Series Share % Ownership Total
Drs. Hajriyanto Y Thohari. MA 3.667.000 - - 0,01% 36.670.000.000 Drs. Hajriyanto Y Thohari,MA
DR. Abdul Munir Mulkhan 990.000 - - 0,03% 9.900.000.000 DR. Abdul Munir Mulkhan
Prof. DR. Ir. M. Amin Azis 710.000 - - 0,02% 7.100.000.000 Prof. DR. Ir. M. Amin Azis
Firman Noor 490.000 - - 0,01% 4.900.000.000 Firman Noor
Tee Suprapto 425.000 - - 0,01% 4.250.000.000 Tee Suprapto
Prof. DR. H.M. Dawam Rahardjo. SE 350.000 - - 0,01% 3.500.000.000 Prof. DR. H.M. Dawam Rahardjo, SE
Ir. H.M. Dasron Hamid. M.Sc 290.000 - - 0,01% 2.900.000.000 Ir. H.M. Dasron Hamid, M.Sc
Drs. H. Sugeng 200.000 - - 0,01% 2.000.000.000 Drs. H. Sugeng
Emil Abeng 1.015.000 50.000.000 - 1,38% 15.150.000.000 Emil Abeng
Prof. DR. Bambang Setiaji. M.Si - 90.000.000 - 2,43% 9.000.000.000 Prof. DR. Bambang Setiaji, M.Si
PT Bank Bukopin.Tbk - 420.000.000 2.000.000.000 65,44% 142.000.000.000 PT Bank Bukopin,Tbk
PT Bakrie Capital Indonesia - 350.000.000 - 9,46% 35.000.000.000 PT Bakrie Capital Indonesia
PT Mega Capital Indonesia - 350.000.000 - 9,46% 35.000.000.000 PT Mega Capital Indonesia
PT Jamsostek (Persero) - 350.000.000 - 9,46% 35.000.000.000 PT Jamsostek (Persero)
PT Mitra Usaha Sarana - 80.000.000 - 2,16% 8.000.000.000 PT Mitra Usaha Sarana
Jumlah 8.137.000 1.690.000.000 2.000.000.000 100,00% 350.370.000.000 Total
26. Pendapatan syariah 26. Sharia Earnings

Pendapatan syariah diperoleh dari : Sharia earnings from:
Pendapatan dari jual beli Sales earnings
Murabahah 140.905.776.655 134.958.342.954 Murabahah
Isthisna 1.033.144.167 1.744.436.860 Isthisna
Jumlah pendapatan jual beli 141.938.920.822 136.702.779.813 Total sales earnings
Pendapatan bagi hasil Shares Earnings
Musyarakah 43.102.926.824 42.044.802.074 Musyarakah
Mudharabah 20.467.177.847 14.577.292.467 Mudharabah
Jumlah pendapatan bagi hasil 63.570.104.671 56.622.094.541 Total shares earnings
Lainnya Others
Sertifikat wadiah Indonesia 664.443.901 1.204.076.161 Bank Indonesia wadiah certificates
FASBI & Giro pada Bank Indonesia 5.246.043.750 3.574.327.211 FASBI & current account with Bank Indonesia
Pembiayaan pada Bank 102.955.099 - Bank financing
Investasi mudharabah antar bank 174.970.598 149.034.428 Inter-branches Mudharabah investments
Jumlah pendapatan lainnya 6.188.413.348 4.927.437.800 Total of other earnings
Jumlah pendapatan syariah 211.697.438.841 198.252.312.154 Total sharia earnings

27. Pendapatan bunga 27. Interest earnings

Pendapatan Bunga diperoleh dari : Interest income from:
Bunga dari Bank lain Interest from other banks
Jasa giro - 1.741.570 Current accounts services
Jumlah pendapatan bunga - 1.741.570 Total interest earnings
Pendapatan bunga pinjaman terdiri dari : Interest earnings from:

Modal kerja - 27.264.184 Working capital
Investasi 14.000.000 437.498 Investment
Konsumtif - 124.687.689 Consumption
Jumlah pendapatan bunga pinjaman 14.000.000 152.389.371 Total of loan interest earnings
Jumlah pendapatan bunga 14.000.000 154.130.941 Total interest earnings
28. Hak pihak ketiga atas bonus dan bagi hasil 28. Third parties’ share on bonus and revenue sharing

Akun ini merupakan distribusi bonus, marjin dan This account represents distribution of bonus,
bagi hasil untuk nasabah : margin, and revenue sharing for customers:
Giro wadiah 1.933.743.068 1.872.870.687 Wadiah current accounts
Tabungan mudharabah 5.572.511.376 4.194.405.455 Mudharabah deposits
Deposito mudharabah 123.537.185.349 94.368.396.645 Mudharabah time deposits
Jumlah hak pihak ketiga atas bagi hasil Total third parties’ share on returns of
investasi tidak terikat 131.043.439.793 100.435.672.787 unrestricted investments:
29. Beban bunga 29. Interest expenses

Beban bunga meliputi bunga atas : Interest expenses consists of interests of:
Pinjaman yang diterima 3.484.109.358 407.215.944 Funds borrowings
Bunga bukan bank Non-banking interests
Tabungan - 6.271 Saving deposits
Jasa giro 43.655 53.728 Current accounts services
Jumlah beban bunga 3.484.153.014 407.275.944 Total interest expenses
30. Pendapatan operasional lainnya 30. Other operating income

Administrasi 13.880.626.795 14.180.301.412 Administration
Lainnya 19.713.893.509 10.568.583.105 Others
Jumlah pendapatan operasional lainnya 33.594.520.304 24.748.884.517 Total other operating income

31. Beban operasional lainnya 31. Other operating expenses

Beban umum dan administrasi General and administration expenses
Barang dan jasa 15.862.108.102 11.360.479.421 Product and services
Sewa 4.076.312.322 4.227.329.088 Rent
Beban penyusutan aset tetap 4.249.948.328 3.960.461.938 Premises depreciation expenses
Asuransi 3.970.806.873 3.822.343.969 Insurance
Pemeliharaan dan perbaikan 2.436.365.898 2.862.285.260 Maintenance and improvement
Promosi 1.708.916.830 2.058.483.631 Promotion
Pendidikan dan pelatihan 1.865.687.796 1.695.942.122 Education and trailings
Perjalanan dinas 1.617.332.408 1.103.411.977 Work travel
Biaya collection pembiayaan 316.852.654 824.960.482 Financing collection expenses
Pengembangan dan pendirian 25.080.715 697.114.300 Development and establishment
Profesional 1.267.922.409 242.484.169 Professional
Rekening konversi lainnya 66.228.913 191.169.698 Other conversion accounts
Pajak 553.776.371 146.401.448 Taxes
Administrasi dari pinjaman pihak lain - 12.416.859 Administration of fund borrowings with other parties
Jumlah beban umum dan administrasi 38.017.339.620 33.205.284.361 Total general and administration expenses
Beban tenaga kerja Employee expenses

Gaji dan upah 22.050.187.164 20.890.211.436 Salary
Tunjangan transport dan makan 7.073.404.534 6.654.263.150 Transportation and meal allowance
Tunjangan prestasi 6.554.461.694 6.371.615.188 Awards benefits
Asuransi tenaga kerja 2.736.297.816 2.214.880.901 Insurance
THR/bonus 1.652.182.636 1.314.790.782 THR/bonus
Imbalan kerja 1.234.889.333 1.022.904.000 Work benefits
Lembur 762.335.664 984.288.825 Overtime
Pesangon 56.527.650 382.377.434 Pension benefits
Tunjangan kesehatan 242.425.885 311.979.501 Health benefits
Jumlah beban personalia 42.362.712.377 40.147.311.217 Total personal expenses
Beban (pembalikan) penyisihan penghapusan aktiva produktif Provision (Reversal of Allowance) for possible losses on earning assets
Antar bank 77.804.479 43.075.456 Inter-banks
Piutang dan pembiayaan 5.173.968.818 7.441.835.134 Receivables and payables
Aset lainnya - 28.770.517 Other assets
Agunan yang diambil alih 983.847.350 363.113.449 Foreclosed assets
Jumlah beban penyisihan penghapusan aktiva produktif 6.235.620.647 7.876.794.556 Total earning assets write off provision expenses
Jumlah beban operasional lainnya 86.615.672.643 81.229.390.134 Total of other operating expenses

32. Pendapatan (beban) non operasional 32. Non operating income (expenses)

Pendapatan non operasional Non operating income
Pendapatan sewa 3.900.000 36.159.448 Rent income
Keuntungan penjualan aset tetap dan agunan Profit from sales of acquired premises
yang diambil alih 1.539.511.704 838.369.818 and liabilities
Lainnya 399.272.262 1.614.811.097 Others
Jumlah pendapatan non operasional 1.942.683.966 2.489.340.363 Total non operating income
Beban non operasional Non operating expenses
Sumbangan (819.655.208) (855.525.811) Charity
Kerugian penjualan aset tetap dan agunan yang Losses from sales of acquired premises
diambil alih (27.649.300) (98.809.856) and liabilities
Denda / penalti (23.200.000) (63.076.465) Fine/penalty
Lainnya (1.117.618.608) (906.309.178) Others
Jumlah beban non operasional (1.988.123.116) (1.923.721.309) Total non operating expenses
Jumlah pendapatan (beban) non operasional-bersih (45.439.150) 565.619.054 Total non operating income (expenses) - net
33. Liabilitas penyediaan modal minimum 33. Liability on providing minimum capital
a. Berdasarkan Surat Keputusan Direksi Bank Indonesia No. a. Based on Director of Bank Indonesia letter of decision No.
26/20/KEP/DIR tanggal 29 Mei 1993 yang telah dirubah dengan 26/20/KEP/DIR dated May 29, 1993 revised with Director of
Surat Keputusan Direksi Bank Indonesia No. 31/146/KEP/DIR Bank Indonesia letter of decision No. 31/146/KEP/DIR dated
tanggal 12 November 1998 tentang Liabilitas Penyediaan November 12, 1998 on Liabilities in adequate provisions of
Modal Minimum Bank, yaitu bahwa bank umum wajib capital of the Bank, commercial banks are obliged to
menyediakan modal minimum sebesar 4% dari aktiva provide minimum capital of 4% from according to risk
Tertimbang Menurut Resiko, pada akhir tahun 1998 dan secara liabilities in the end of year 1998 and gradually changed
bertahap menjadi minimal 8% pada akhir tahun 2001, sesuai into a minimum of 8% in the end of year 2001 in
dengan peraturan Bank Indonesia No. 3/21/PBI/2001 tanggal accordance with Bank Indonesia regulation No. 3/21/
13 Desember 2001. PBI/2001 dated December 13, 2001.
b. Mengacu pada ketentuan di atas, rasio kecukupan modal Bank b. Refer to the above regulation, the Bank’s capital adequacy
untuk posisi 31 Desember 2011 dan 31 Desember 2010 adalah ratio as of December 31, 2011, and December 31, 2010 is as
sebagai berikut (dalam jutaan rupiah ) : follow:

33. Liabilitas penyediaan modal minimum - lanjutan 33. Liability on providing minimum capital - continue

Modal Inti (Tier I) Main capital (Tier I)
Modal disetor 450.370 350.370 Paid capital
Cadangan umum dan khusus 1.213 1.213 General and specific reserve
(Rugi) tahun-tahun sebelumnya (232.157) (243.319) (Losses) of prior years
Laba tahun berjalan 12.209 10.234 Income (Losses) during the year
Jumlah 231.635 118.498 Total
Modal Pelengkap (Tier II) Complimentary Capital (Tier II)

Penyisihan atas kemungkinan kerugian
pada aktiva produktif 20.224 16.913 Provision of possible losses on earning assets
Hutang subordinasi 50.000 50.000 Subordinated loan
Jumlah 70.224 66.913 Total
Jumlah Modal (Tier I dan Tier II) 301.859 185.411 Total capital (Tier I and Tier II)
Jumlah ATMR 1.973.954 1.611.475 Total ATMR
Rasio Liabilitas Penyediaan Modal Minimum
yang Tersedia 15,29% 11,51% Capital adequacy ratio
Rasio Liabilitas Penyediaan Modal Minimum
yang Diwajibkan 8,00% 8,00% Required capital adequacy ratio
34. Manajemen risiko 34. Risk Management

Dalam menjalankan kegiatannya, Bank senantiasa berhadapan In conducting its activites, the Bank always come face to face
dengan risiko yang merupakan risiko bawaan dalam setiap with risks that are in nature in every activities in form of credit
kegiatannya antara lain dalam bentuk risiko kredit, risiko likuiditas, risks, liquidity risks, and operational risks, therefore a good
risiko pasar dan risiko operasional sehingga diperlukan corporate governance, continuous and integrated risk
pengelolaan Bank yang baik (Good Corporate Governance) dan management is essential.
pengelolaan risiko yang terintegrasi dan berkesinambungan.
Sistem pengendalian risiko di PT. Bank Syariah Bukopin mulai Risk management system in PT Bank Syariah Bukopin is in
disesuaikan dengan mengacu pada ketentuan Bank Indonesia dan accordance with Bank Indonesia regulations and internal
ketentuan intern PT. Bank Syariah Bukopin, antara lain menyusun regulations of PT Bank Syariah Bukopin, which is composing a
Pedoman/Sistem Operasional Prosedur Manajemen risiko dan guidelines/Risk Management Procedure Operational System
melakukan secara berkesinambungan sosialisasi kepada seluruh and continuously socializing to every level of PT Bank Syariah
jajaran PT. Bank Syariah Bukopin agar manajemen risiko dapat Bukopin to ensure a well implementation of risk management
terimplementasi sebagaimana diharapkan, dan melakukan revisi and revising various manual book/operational procedure
berbagai buku Pedoman/Sistem Operasional Prosedur melalui system through cooperation with consultant.
kerjasama dengan pihak konsultan.
Risiko kredit Credit Risk

Dengan diterbitkannya peraturan Bank Indonesia mengenai With the publication of Bank Indonesia regulation on
Penerapan manajemen Risiko Bank Umum maka program kerja implementation of commercial banks risk management, the
bank dalam manajemen risiko diarahkan dan dikembangkan sesuai Bank programs in risk management are directed and
dengan pedoman Bank Indonesia tersebut. developed in accordance with the regulations.

34. Manajemen risiko - lanjutan 34. Risk Management - continue
Sebagai lembaga intermediary, PT. Bank Syariah Bukopin ikut As intermediaries’ institution, PT Bank Syariah Bukopin
menyalurkan fasilitaspembiayaan dan tidak dapat dipungkiri akan facilitates credit distribution and will surely face the risks due
berhadapan dengan risiko sebagai akibat kegagalan counterparty to failure of counterparty in settling its Liabilities. To eliminate
dalam memenuhi kewajibannya. Untuk mengeliminir risiko maka the risks, the Bank facilitates credit selectively and referring to
Bank dalam menyalurkan pembiayaan tetap selektif dan mengacu principles of a healthy credit financing and cautiousness,
pada prinsip pemberian kredit yang sehat dan prinsip kehati- consistently monitoring and evaluating progress in credit
hatian secara konsisten, memantau dan mengevaluasi collectability, credit redemption periodically according to the
perkembangan kolektibilitas pembiayaan, penyelamatan kredit regulations. Establishing provision of earning assets liabilities
berkala sesuai ketentuan. Membentuk Penyisihan Penghapusan write-off (PPAP) to cover troubled earning assets.
Aset Produktif (PPAP) untuk mengcover aktiva produktif Enhancement of human resources quality through trainings
bermasalah. Sebagai tindakan preventif dilakukan peningkatan and education in credit management internally and externally
kualitas sumber daya menusia melalui pelatihan dan pendidikan are taken as preventive action.
pengelola kredit baik secara intern maupun ekstern.
Risiko likuiditas Liquidity Risk

Bank sangat mementingkan penjagaan kecukupan likuiditas dalam The Bank is concerned over the importance of reservation of
memenuhi komitmennya kepada para nasabah dan pihak lainnya, liquidity adequacy in fulfilling its commitment to the
baik dalam rangka pemberian kredit, pembayaran kembali customers and other parties, in credit financing, return of
simpanan nasabah, maupun untuk memenuhi kebutuhan likuiditas customers’ deposits and to cater the need of operational
operasional. liquidity.
Bank menjaga likuiditas dengan mempertahankan jumlah aktiva The Bank reserve its liquidity by reservation of total adequate
likuid yang cukup untuk membayar simpanan para nasabah, dan assets to deliver the customers deposits and to maintain that
menjaga agar jumlah aset yang jatuh tempo pada setiap periode the number of assets due in every period cover the due
dapat menutupi jumlah kewajiban yang jatuh tempo. numbers of liability.
Aset likuid bank terutama terdiri dari penempatan pada bank-bank The Bank liquid assets consists of placement with other banks
lain dan lembaga keuangan lainnya, SBI, giro pada Bank Indonesia and other financial institution, SBI, current accounts with Bank
dan kas. Apabila Bank memerlukan likuiditas, dengan segera Bank Indonesia and cash. In the event Bank needs liquidity, the Bank
dapat menarik cadangan dana dalam giro pada Bank Indonesia, may withdraw fund reservation in current accounts with Bank
menjual SBI dengan perjanjian pembelian atau mencari pinjaman Indonesia, sales of SBI with a sales agreement or inter banks
di pasar uang antar bank di Indonesia. Cadangan utama Bank borrowings. The Bank’s main reservation consist of minimum
terdiri dari cadangan Giro Wajib Minimum dan kas di kantor-kantor obliged current account and cash in branch offices.
cabang.
Saat ini peraturan Bank Indonesia mewajibkan bank-bank di Currently Bank Indonesia regulations obligate banks in
Indonesia untuk menjaga (Giro Wajib Minimum) secara harian, Indonesia to reserve daily minimum obligated current
dalam bentuk simpanan tanpa bunga pada Bank Indonesia accounts, in form of no interest deposits in Central Bank of
sekurang-kurangnya sebesar 5% dari kewajiban pihak ketiga bukan Indonesia at least 5% of non banking third parties liabilitys in
bank dalam Rupiah. rupiah.

34. Manajemen risiko - lanjutan 34. Risk Management - continue
Pengendalian likuiditas senantiasa dilakukan dengan cara Liquidity management always conducted in a balance manner
melakukan keseimbangan antara sumber-sumber dana dan between fund resources and its use to keep within the
pemanfaatannya, sehingga benar-benar masih dalam limit risiko acceptable risk limit and contributed in profits managed by the
yang dapat diterima dan memberikan kontribusi berupa profit treasury division and assets liability committee.
yang wajar, yang pengelolaanya oleh Divisi Treasury dan Tim Alco
(Asset Liability Comitee).
Risiko pasar Market Risk

Risiko pasar merupakan risiko yang timbul dari pergerakan tingkat Market risk represents risk that arises from movement of
suku bunga maupun nilai tukar yang ada di pasar dari portofolio interest level and exchange rate in the market of the Bank’s
yang dimiliki oleh Bank, sehingga pengendalian risiko pasar hanya portfolio. Therefore market risk management is conducted
melalui mekanisme penempatan dana pada bank lain dengan only through mechanism of fund placements with other banks
mempertimbangkan tingkat suku bunga dan kesehatan bank yang by considering the interest level and the health of the
menawarkan. proposing bank.
Risiko operasional Operating Risk

Pengelolaan resiko operasional dilakukan dengan terus melakukan Operational risk management is conducted continuously
penyempurnaan atau penyesuaian sistem dan prosedur, pengem- through perfection of or adjustment of system and procedure,
bangan teknologi informasi secara kesinambungan dengan harap- development of information technology to meet the needs
an dapat memenuhi kebutuhan atau harapan nasabah. Untuk me- and expectation from the customers. The needs is supported
menuhi kebutuhan ini harus didukung oleh sumber daya manusia with qualified and high integrity human resources through
yang berkualitas dan mempunyai integritas yang tinggi melalui determination of authority program, education and trainings
program penetapan limit/otorisasi, pendidikan dan pelatihan yang held in house or external and continuously implement your
dilakukan baik inhouse training maupun eksternal dan berkesinam- customers principles to a well managed operational risk.
bungan serta menetapkan prinsip pengenalan nasabah dengan
harapan risiko operasional dapat terkelola dengan baik.
35. Laporan komitmen dan kontinjensi 35. Commitments and Contingencies Statements
Komitmen December 31, 2011 December 31, 2010 Commitments
Liabilitas komitmen Commitment Liability

Fasilitas kredit kepada nasabah
yang belum digunakan 5.718.500.000 10.964.000.000 Undisbursed credit facilities
Jumlah komitmen - bersih 5.718.500.000 10.964.000.000 Total commitment - net
Kontinjensi Contigencies
Tagihan kontinjensi Receivables contigencies
Pendapatan bunga dalam penyelesaian 8.984.148.606 16.280.794.537 Interest income in settlement
Liabilitas kontinjensi Contigencies Liability
Garansi bank 2.298.613.745 8.097.811.041 Bank guarantee
Aset produktif yang dihapusbukukan 7.896.112.687 73.598.817.445 Earning assets written-off
Jumlah Liabilitas kontinjensi 10.194.726.432 81.696.628.486 Total contigencies Liability
Tagihan (Liabilitas) kontinjensi - bersih 4.507.922.174 (54.451.833.948) Receivables (Liability) contigencies - net

36. Kelangsungan usaha 36. Business performance

Dengan ditetapkan arah kebijakan pengembangan perbankan With the developments of policy direction of sharia banking
syariah oleh Bank Indonesia serta adanya dukungan dari that has been set by Central Bank of Indonesia and with the
pemerintah dengan dikeluarkannya peraturan perpajakan yang support from the government by the issuance of more
lebih kondusif sepanjang tahun 2011, industri perbankan syariah favorable tax legislation during the year 2011, Islamic Banking
nasional tumbuh dengan volume usaha yang cukup tinggi yaitu Industry grew by a relatively high business volume that is
sebesar 48,50% dengan pertumbuhan dana yang dihimpun equal to 48.50% with growth in funds raised amounted to
sebesar 39,90% dan pembiayaan 34,90%. Pertumbuhan tersebut 39.90% and 34.90% of financing. Growth was also achieved by
juga dicapai oleh Bank dengan angka pertumbuhan aset sebesar the Bank with an asset growth rate of 24.43%, 18.95% of
24,43%, pembiayaan 18,95% dan dana pihak ketiga 41,30% hingga financing, and third parties funds up to 41.30% as of end
per akhir bulan Desember 2011. December 2011.
Sejalan dengan pencapaian kinerja 2011, Bank membuat rencana In line with achieving 2011 performance, the Bank made a
bisnis tahun 2012-2014 yang disusun dengan mempertimbangkan business plan for the year 2012-2014 prepared by considering
perkembangan usaha dan kondisi internal Bank serta faktor-faktor the development of business and internal conditions of the
eksernal seperti pertumbuhan perekonomian nasional tahun 2012 Bank and external factors such as national economic growth in
yang diproyeksikan sebesar 6,7%, tingkat inflasi 5,3%, serta 2011 is projected at 6.7%, 5.3% of inflation rate, as well as other
indikator-indikator ekonomi lainnya yang dapat mendukung economic indicators that can support the development of
perkembangan usaha perbankan syariah. sharia banking business.
Target jangka pendek Short Term Objective

- Dengan mempertimbangkan kinerja bank pada tahun 2011, - Considering the Bank’s performance in 2011, in 2012 the
pada tahun 2012 Bank menargetkan pertumbuhan aset Bank targeted asset growth of 24% or Rp628,550,000,000,
sebesar 24% atau tumbuh sebesar Rp. 628.550.000.000, 30% of financing or Rp603,530,000,000, third parties fund
pembiayaan 30% atau tumbuh sebesar Rp. 603.530.000.000, of 30% or Rp 621,360,000,000 and a profit of
dana pihak ketiga 30% atau tumbuh sebesar Rp. Rp26,230,000,000.
621.360.000.000 dan laba sebesar Rp. 26.230.000.000.
- Business development in the short term aimed at financing
- Pengembangan usaha dalam jangka pendek diarahkan untuk and business segments growth, especially MSMEs, to
pertumbuhan pembiayaan dan usaha terutama segmen increase the accumulation of public funds sources, to
UMKM, meningkatkan penghimpunan sumber dana strengthen the capital, to improve assets quality and
masyarakat, memperkuat permodalan, meningkatkan kualitas strengthening of human resources, outlets, services,
aktiva produktif serta perkuatan Sumber Daya Insani (SDI), information technology, and to improve quality control
outlet, pelayanan, TI, dan meningkatkan kualitas pengendalian and risk compliance.
resiko dan kepatuhan.
Target jangka menengah Mid Term Objective

Pengembangan usaha dalam jangka menengah diarahkan pada Business development in the medium term is aimed at
pengembangan usaha konsumer, mikro dan peningkatan fee consumer business development, micro, and increase of fee
based. based.
Untuk mencapai visi dan misi sesuai dengan arah kebijakan, Bank To achieve the vision and mission in accordance with the
menetapkan langkah-langkah strategis sebagai berikut : policy direction, the Bank establish strategic steps as follows:
- Pengembangan Usaha dengan Fokus Pada Sektor UMKM - Business development focusing on MSMEs sector

36. Kelangsungan usaha - lanjutan 36. Business performance - continue
- Mengembangkan Usaha Komersial - Development of Commercial Enterprises

- Mengembangkan Usaha Konsumer - Development of Consumer Business
- Penyediaan Jasa-jasa Fee-Based Kepada Nasabah - Provision of Fee-Based Services to the Customer
- Memperkuat Teknologi Informasi dan Pelayanan - Strengthening of Information Technology and Services
- Menambah Jaringan Outlet - Adding Network Outlets
- Memperkuat Sumber Daya Insani (SDI) - Strengthening of Human Resources Competency
- Meningkatkan Kualitas Pengelolaan Risiko dan Kepatuhan - Improving the Quality of Risk Management and Compliance
- Menyelesaikan Pembiayaan Bermasalah - Resolving Financing settlements
37. Opini Dewan Pengawas Syariah 37. Sharia Supervisory Board Opinion
Berdasarkan surat No.018/DIR/BSB-JKT/II/2012 tanggal 16 februari Based on letter No. 018/DIR/BSB-JKT/II/2012 dated February 16,
2012 mengenai penyampaian Laporan Hasil Pengawasan Dewan 2012 on delivering the Sharia Supervisory Board Monitoring
Pengawas Syariah semester II Tahun 2011 Bank Syariah Bukopin, Result Report on the second semester of the year 2011 of Bank
No. 01/DPS/BSB-JKT/II/2011 tanggal 3 Februari 2012. Dalam opini Syariah Bukopin, No. 01/DPS/BSB-JKT/II/2011 dated February 3,
tersebut Dewan Pengawas Syariah mengeluarken opini - opini 2012. In the opinion the Sharia Supervisory Board gives
terkait produk dan aktivitas bank. Dalam rangka memenuhi opinions on the Banks’ products and activities. In order to fulfill
ketentuan Bank Indonesia tentang pelaksanaan Good Corporate the Bank of Indonesia regulations on implementation of Good
Govermance (GCG), Dewan Pengawas Syariah juga melakukan uji Corporate Governance, the Sharia Supervisory Board also did a
petik atas transaksi bank dengan Hasil pemeriksaan. quote test on the bank’s transaction with the monitoring
result.

Ar 2011

Diunggah oleh

Informasi Dokumen

Judul Asli

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

Ar 2011

Diunggah oleh

Hak Cipta:

Format Tersedia

Bank Syariah Bukopin Annual Report 2011 1

Visi, Misi, dan Nilai-Nilai Perusahaan

vision, mission, and corporate values

n Nilai-Nilai Perusahaan Corporate Values

financial highlight 2011

Dalam Rupiah / in Rupiah

NERACA FINANCIAL STATEMENT

RASIO KEUANGAN (%) FINANCE RATIO (%)

Laba Bersih terhadap

2010 2011 dalam % / in %

Laba (Rugi) Bersih

Net Income (Losses)

Setelah Setoran Modal Rp100 Miliar/After Capital Deposit 100 Billion

DR. Hajriyanto Y. Thohari, M.A. 3.667.000 - - 36.670.000.000 0,064%

Divisi Operasi & Divisi Sumber

Divisi manajemen Satuan Kerja

Divisi Restrukturisasi Sekretaris

*) Annual General Meeting of Shareholders

bank syariah bukopin profile

Wide. “The Company's continues to expand its business

significant event 2011

April 14 - 16 Mei 2011. Perseroan

10 Mei 2011. Perseroan melakukan

May 10, 2011. The Company conduct

April 27, 2011. The Company signed a

19 Juli 2011. Perseroan melakukan

5 Juni 2011. Perseroan melakukan

15 Agustus 2011. Perseroan menggelar

September 29, 2011. the Company has

October 17, 2011. The Company has

bank syariah bukopin achievements

Reliable.“The service given by the Company has

Kesinambungan dan konsistensi Perseroan The Company’s sustainability and consistency

Berdasarkan hasil Keputusan

Komisaris Utama Komisaris Independen Komisaris Independen

Independent Commissioner Independent Commissioner

Direktur Utama Direktur Bisnis

Direktur Operasi dan Pelayanan Direktur Kepatuhan dan Manajemen Risiko

Dewan Pengawas Syariah

Ketua Dewan Pengawas Syariah Anggota

Sharia Supervisory Board Chairman Member

message from the

Sustainability.”The Company sustainability has grow and run in

Assalamu’alaikum warahmatullahi Assalamu’alaikum warahmatullahi

Wa billahit-taufiq wal hidayah Wa billahit-taufiq wal hidayah

Jakarta, 31 Desember 2011

Optimal. “In the future the

Assalamu’alaikum wa rahmatullahi Assalamu’alaikum wa rahmatullahi

Perbankan Syariah Nasional National Islamic Banking

Eksistensi Perseroan, di kancah industri The Company’s existence, in the national

Realisasi Pencapaian Achievement Realization

Momentum Tumbuh Growing Momentum

Wa billahit-taufiq wal-hidayah Wa billahit-taufiq wal-hidayah

Jakarta, 31 Desember 2011

message from the chairman

Trust.”Slowly but sure, the Company will be come

Assalamu’alaikum warahmatullahi Assalamu’alaikum warahmatullahi

Wabilahit-taufiq walhidayah Wa billahit-taufiq wal-hidayah

Jakarta, 31 Desember 2011

Prof. DR. H.M. Din Syamsuddin, M.A.

macro economic & financial highlight

Precise."Efforts conducted by the Company throughout 2011 has

Hasil pencapaian kinerja ekonomi nasional Achievement of national economic performance