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PT BANK MAYBANK INDONESIA TBK

Dedicated to Grow with the Nation


Negeri

Humanising Financial Services Laporan Tahunan


Annual Report 2016
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Dedicated to Grow with the Nation

Dalam dunia pewayangan, sosok Bima atau Raden Werkudara dikenal sebagai ksatria bertubuh
besar yang sangat kuat dan memiliki watak berani, jujur, egaliter, selalu berterus terang, tegas,
berpendirian kuat, serta teguh iman. Bima yang merupakan anak dari Dewi Kunti dan Prabu
Pandudewanata, menjadi simbol bagaimana sebaiknya menjalani kehidupan.

Diceritakan, pada saat lahirnya Bima berwujud bungkusan, tubuhnya diselubungi selaput tipis
yang tidak dapat disobek oleh senjata apapun. Hal ini membuat orangtuanya sangat sedih. Atas
anjuran Begawan Abiyasa, sang ayah kemudian membuang bayi bungkus tersebut di hutan dan
selama delapan tahun bungkus tersebut tidak pecah-pecah dan berguling kesana kemari sehingga
hutan yang tadinya rimbun menjadi rata dengan tanah. Bungkus tubuhnya itu akhirnya berhasil
disobek oleh seekor gajah sakti yang didatangkan dari kahyangan, bernama Gajah Sena. Setelah
dikeluarkan dari bungkusnya, Bima langsung mengalahkan gajah tersebut yang kemudian hilang
dan manunggal (bersatu) dengan dirinya.

Sejak remaja, Bima berguru kepada beberapa orang yaitu Resi Bisma dan Resi Drona untuk olah
batin dan keprajuritan, Begawan Krepa dan Prabu Baladewa untuk ketangkasan menggunakan
gada. Selama menuntut ilmu, semua perintah guru selalu dijalankan dengan patuh meski terkadang
membahayakan dirinya. Misalnya, ketika Bima diperintah oleh Resi Drona untuk mencari air
kehidupan, dimana ia harus pergi ke dalam hutan dan menyelam ke dasar samudera.

Dalam perjalanannya tersebut, ia harus menghadapi raksasa-raksasa dan naga sakti yang
menghalanginya. Namun dengan ilmu yang dimilikinya dan keteguhan hatinya, Bima berhasil
mengatasi semua tantangan tersebut dan bahkan mendapat pelajaran kehidupan yang berharga
dan menemukan jati dirinya.

Lakon Bima Suci tersebut sarat dengan amanat nilai universal dan ajaran moral antara lain
kewajiban untuk terus menuntut ilmu, terus berusaha namun berpasrah diri secara total kepada
Tuhan dan berpihak pada kebenaran , apapun risiko yang dihadapinya.

Laporan Tahunan 2016 Annual Report


5 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Maybank Indonesia telah menjalankan fungsi


intermediasi dengan meningkatkan penyaluran
pembiayaan ke sektor infrastruktur yang menjadi
salah satu prioritas program kerja pemerintah untuk
memacu pertumbuhan ekonomi. Selain itu, kami
membangun sinergi dengan entitas bisnis grup
dalam melayani kebutuhan nasabah. Sejalan dengan
itu, pemberdayaan komunitas terus dilakukan untuk
memperkuat pembangunan inklusif sebagai wujud
komitmen kami dalam mendorong kemajuan negeri.
Dengan menjalankan strategi tersebut, kinerja
bisnis kami terus tumbuh di tengah perkembangan
industri perbankan yang stagnan. Pencapaian laba
bersih setelah pajak dan kepentingan non pengendali
sebesar Rp1,9 triliun, naik 71.0% dibandingkan periode
sebelumnya.
The infrastructure sector has become one of the government work
program priorities to accelerate the economic growth, as such Maybank
Indonesia tap this opportunity through intermediation of prudent
financing disbursement to this sector. Moreover, synergy with the group’s
business entities is developed to meet the needs of our customers.
Subsequently, inclusive development is strengthened accompanied by
community empowerment efforts to bring this nation forward. Hence,
whilst the industry recorded flat growth, Maybank Indonesia’s business
performance grew significantly and we delivered total net profit after
tax and minority interest of Rp1.9 trillion, or up by 71.0% year on year.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
1
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Daftar Isi
Table of Contents

Kesinambungan Tema
6 Theme Journey

8 IKHTISAR UTAMA 133 INFORMASI PEMEGANG SAHAM


Shareholders Information
Highlights
STRUKTUR PEMEGANG SAHAM
10 RINGKASAN KINERJA 2016 134 Shareholders Structure
Performance Summary 2016
TENTANG MAYBANK
12 IKHTISAR KEUANGAN 135 Maybank Group in Brief
Financial Highlights
Informasi Entitas Anak, Asosiasi, &
Informasi Saham
16 Shares Information 140 Perusahaan Ventura
Subsidiaries, Associates & Joint Ventures
Ikhtisar Obligasi
18 Bonds Highlights 141 Tentang Entitas Anak
Subsidiaries in Brief
AKSI KORPORASI
19 Corporate Actions 147 KRONOLOGIS PENCATATAN SAHAM
Shares Listing Chronology
SUSPENSION DAN/ATAU DELISTING
19 Suspension and/or Delisting 150 KRONOLOGIS PENCATATAN EFEK LAIN
Other Shares Listing Chronology
SUSPENSION DAN/ATAU DELISTING
20 Suspension and/or Delisting 161 LEMBAGA/PROFESI PENUNJANG PASAR MODAL
Capital Market Supporting Institutions/Professions
PERISTIWA PENTING
21 Event Highlight 162 PENGHARGAAN & SERTIFIKASI
Awards & Certifications
ALAMAT KANTOR CABANG
164 Branch Offices Address
26 LAPORAN MANAJEMEN
Management Reports
28 LAPORAN DIREKSI
Board of Directors’ Report 176 ANALISA & PEMBAHASAN
46 LAPORAN DEWAN KOMISARIS MANAJEMEN
Board of Commissioners’ Report Management Discussion & Analysis
LAPORAN DEWAN PENGAWAS SYARIAH
54 Report from the Shariah Supervisory Board 180 TINJAUAN MAKRO EKONOMI
Macroeconomic Overview
STRATEGI PENGEMBANGAN USAHA
58 Business Development Strategy 190 TINJAUAN SEGMEN BISNIS
Business Segment Review
Perbankan Global
194 Global Banking
64 PROFIL PERUSAHAAN Community Financial Services
Company Profile 204 Community Financial Services
IDENTITAS PERUSAHAAN Perbankan Syariah
66 Company Identity 222 Shariah Banking
SEKILAS MAYBANK INDONESIA TINJAUAN KEUANGAN
67 Maybank Indonesia In Brief 232 Financial Overview
KEGIATAN USAHA Ekuitas
69 Core Business 243 Equity
PRODUK DAN LAYANAN Laporan Laba Rugi Dan Penghasilan Komprehensif
72 Product and Services Lain Konsolidasian
244 Consolidated Statement Of Profit Or Loss And Other
VISI & MISI Comprehensive Income
98 Vision & Mission
Rasio Profitabilitas
PERJALANAN KAMI 249 Profitability Ratio
100 Our Journey
Arus Kas Konsolidasian
STRUKTUR ORGANISASI 251 Consolidated Cashflow
102 Organization Structure
Rasio Keuangan
AREA OPERASIONAL 252 Financial Ratio
104 Operational Area
Kemampuan Membayar Kewajiban Dan Tingkat
PROFIL DIREKSI 253 Kolektibilitas
106 Board of Directors’ Profile Solvency And Level Of Collectibility
PROFIL DEWAN KOMISARIS Struktur Permodalan Dan Kebijakan Struktur Modal
115 Board of Commissioners’ Profile 254 Capital Structure And Capital Structure Policy
PROFIL PEJABAT SENIOR Ikatan Yang Material Untuk Investasi Barang Modal
121 Senior Management 2016
256 Material Commitments For Investment Expenditures
JUMLAH KARYAWAN
132 Total Employees In 2016

Laporan Tahunan 2016 Annual Report


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Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
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Daftar Isi
Table of Contents

Investasi Barang Modal, Komitmen Belanja Modal, Maybank Finance


Dan Komitmen Lainnya 306 Lorem
256 Investment Expenditures, Capital Expenditures
Commitments And Other Commitments
Program Dan Kinerja
Informasi Dan Fakta Material Yang Terjadi Setelah 307 Programs And Performance
Tanggal Laporan Akuntan
256 Material Information And Facts Occuring After Date
Of Accountant’s Statement Kinerja Pembiayaan
308 Financing Performance
Prospek Usaha
257 Business Prospects
Produk Dan Layanan
Target Dan Realisasi 2016 Serta Proyeksi 2017 308 Products And Services
258 Targets And Realization In 2016 And Projections For
2017
Wom Finance
Aspek Pemasaran 312 Lorem
259 Marketing Aspects
Inisiatif Program Dan Kinerja Perusahaan
260 Dividen Dan Kebijakan Dividen 261 Corporate Performance, Programs And Initiatives
Dividends And Dividend Policy
Program Kepemilikan Saham Bagi Karyawan Dan/
Atau Manajemen
261 Shareownership Program For Employees And/Or
Management
Informasi Mengenai Investasi, Ekspansi, Divestasi
Yang Mengandung Benturan Kepentingan
261 Information On Investment, Expansion, Divestment
Representing A Conflict Of Interest
Perubahan/Peraturan Perundang-Undangan Yang
261 Berpengaruh Signifikan Terhadap Perusahaan
Lorem
Perubahan/Peraturan Perundang-Undangan Yang
Berpengaruh Signifikan Terhadap Perusahaan
263 Changes To Laws And Regulations With A Significant
Impact On The Company
Perubahan Kebijakan Akuntansi Dan Dampaknya
Terhadap Laporan Keuangan
292 Changes To Accounting Policy And Effect On Financial
Reporting

Informasi Kelangsungan Usaha


298 Business Sustainability Information
Rencana Kelangsungan Usaha
298 Business Sustainability Plan

Hal-Hal Yang Berpotensi Berpengaruh Signifikan


Terhadap Keberlangsungan Usaha Perusahaan Pada
298 Tahun Buku Terakhir
Potential And Significant Influence To The Company’s
Sustainability Business In The Last Financial Year
Assessment Manajemen Atas Kelangsungan Usaha
Management Assessment Related To Business
298 Sustainability

Asumsi Yang Digunakan Manajemen Dalam


Melakukan Assessment
299 The Assumptions Used By The Management In
Developing Their Assessment

Ikhtisar Keberlanjutan Usaha Maybank Grup


301 Business Sustainability Highlights Of Maybank Group

Hasil Dan Perkembangan Yang Telah Dicapai


302 Maybank Indonesia
Lorem
Progres Perkembangan Program Keberlanjutan
305 Usaha Hingga Tahun 2016
Summary Of 2016 Business Sustainability

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IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Daftar Isi
Table of Contents

318 Tinjauan Fungsional 765 Sistem pengendalian Intern


Internal Control System
Functional Review Permasalahan Hukum/Litigasi
MANAJEMEN RISIKO
772 Legal Matters/Litigation
320 Risk Management Transparansi Kondisi Keuangan dan Non-
SUMBER DAYA MANUSIA Keuangan Yang Belum Diungkap Dalam
436 Human Capital Laporan Lainnya
774 Transparency of Financial and Non-Financial
TEKNOLOGI INFORMASI & OPERASIONAL Conditions That Have Not Been Disclosed in Other
456 Information Technology & Operations Reports
LAYANAN Penyediaan Dana Kepada Pihak Terkait
466 Services Dengan Penyediaan Dana Besar
777 Provision of Funds to Related Parties and Large
PEMASARAN & JARINGAN
478 Marketing & Network Exposures
Pemberian Dana Untuk Kegiatan Sosial
780 dan Politik
490 TATA KELOLA PERUSAHAAN Provision of Funds for Social and Political Activities

Corporate Governance 781 ESOP dan MSOP


ESOP And MSOP
IKHTISAR TATA KELOLA PERUSAHAAN
492 Corporate Governance Highlights LOREM
781 Lorem
PRINSIP TATA KELOLA PERUSAHAAN
495 Principles of Corporate Governance Buy Back Saham dan Obligasi
781 Shares and Obligation Buy Back
Komitmen Penerapan Tata Kelola
497 Perusahaan RASIO GAJI TERTINGGI DAN TERENDAH serta
Commitment of Corporate Governance remunerasi variabel yang diterima
782 pegawai
ROADMAP PENERAPAN TATA KELOLA Maximum and Minimum Salary Ratio
499 PERUSAHAAN
Kode Etik dan Pedoman Tingkah Laku
GCG Implementation Roadmap 784 Code of Ethics and Code of Conduct
Struktur TATA KELOLA PERUSAHAAN
506 Principles of Corporate Governance Whistleblowing & Anti Fraud
786 Whistleblowing & Anti Fraud
KEBIJAKAN TATA KELOLA PERUSAHAAN
509 Corporate Governance Policy Pedoman Tata Kelola Perusahaan
786 GCG Guidelines
Direksi
556 Board of DIrectors Rencana Strategis Bank
794 Bank’s Strategic Plan
Rapat umum pemegang saham
590 General Meeting of Shareholders Akses Informasi Bank
799 Corporate Information Access
Komite Direksi
618 Board of Directors Committee Laporan GCG Unit Usaha Syariah
804 GCG Report Shariah Business Unit
Komite Pendukung Direksi
641 Board of Directors Supprorting Committee
Dewan Komisaris
672 Board of Commissioners
Komite Dibawah Dewan Komisaris
698 Committee Under the Board of Commissioners
Tata Kelola Remunerasi
730 Remuneration Governance
Unit Audit Internal
740 Internal Audit Unit
Unit Kerja Kepatuhan
745 Compliance Unit
Anti Money Laundering & Assurance
759 Anti Money Laundering & Assurance
Eksternal Audit
762 Audit Eksternal

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Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Daftar Isi
Table of Contents

846 TANGGUNG JAWAB SOSIAL


PERUSAHAAN
Corporate Social Responsibility
Pendekatan Kami
849 Our Approach
LINGKUNGAN
851 Environment
TANGGUNG JAWAB KETENAGAKERJAAN,
852 KESEHATAN DAN KESELAMATAN KERJA
Employment, Health And Safety Responsibility
TANGGUNG JAWAB TERHADAP PENGEMBANGAN
852 SOSIAL DAN KEMASYARAKATAN
Community Empowerment
PELESTARIAN SENI DAN BUDAYA
854 Preserving Arts & Culture
PROGRAM BANTUAN BENCANA
854 Disaster Relief
EDUKASI MASYARAKAT DI BIDANG PERBANKAN
854 Banking Education
TANGGUNG JAWAB SOSIAL TERHADAP
855 PELANGGAN
Responsibility To Customers

Surat Pernyataan Anggota Direksi dan


Anggota Dewan Komisaris tentang
Tanggung Jawab atas Laporan Tahunan
856 2016
Board of Directors and Board of Commissioners’
Statement on The Responsibility for the 2016 Annual
Report

858 Laporan Keuangan


Financial Report

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IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Kesinambungan Tema
Theme Journey

2010
Serving You Better 2011
Dengan jaringan yang semakin luas, Sinergi internasional, Humanizing
Produk-produk Inovatif, Pertumbuhan Bisnis yang Dinamis,
Infrastruktur bisnis yang semakin kuat, dan Layanan yang Financial Services
berkualitas. Dengan mengenal nasabah, kami hadir di tengah
With Expansive network, International Synergy, Innovative masyarakat yang kami layani. Dengan mengenal
Products, Dynamic Business Growth, Strong Business masyarakat, kami dapat memberikan kontribusi kepada
Infrastructure, and Quality services. masyarakat melalui berbagai program kegiatan sosial.
By taking the time to know who our customers are, we
remain in the heart of all the communities we serve.
By taking the time to know communities, we can make
valuable contributions through our wide range of social
responsibility programs.

2012
Transforming to be the
Leading Relationship
Bank by Truly Being in the 2013
Community Breakthrough by
Dengan dukungan nasabah dan usaha untuk memberikan Strengthening Fundamentals
yang terbaik, Maybank Indonesia menjadi pelopor untuk Kami berkomitmen penuh memperkuat fondasi kokoh yang
humanizing financial services, menjadi relationship bank telah terbangun untuk memberi solusi bisnis dan layanan
terkemuka di Indonesia yang senantiasa berada ditengah- terbaik di atas ekspektasi seluruh nasabah – Mitra Kami –
tengah komunitas. dalam menuju pertumbuhan berkelanjutan.
Through the support of our customers and by giving
We are fully committed to continue to strengthen the solid
back the best we can, Maybank Indonesia is leading the
foundations built to provide business solutions and best
move to humanize financial services and to be the leading
services above the expectation of all our customers – our
relationship bank in Indonesia by truly being in the
Partners – in pursuing sustainable growth.
community.

Laporan Tahunan 2016 Annual Report


6 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
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Kesinambungan Tema
Theme Journey

PT BANK MAYBANK INDONESIA TBK

Bersama Membangun Negeri

Bersama Membangun Negeri


Negeri
Dedicated to Grow with the Nation

2014
At the Heart of Community
PT Bank Maybank Indonesia Tbk
Sentral Senayan III
Jl. Asia Afrika No. 8

Laporan Tahunan 2016 Annual Report


Gelora Bung Karno - Senayan

PT BANK MAYBANK INDONESIA TBK


Jakarta Pusat 10270 Indonesia

Relationships
T: +62 21 2922 8888
F: +62 21 2922 8914
www.maybank.co.id

Laporan Tahunan 2016 Annual Report Humanising Financial Services Laporan Tahunan
Annual Report 2016

Kami senantiasa siap memberikan layanan perbankan yang


dapat membantu nasabah mengembangkan relasi personal
maupun relasi usaha untuk mendukung kemajuan nasabah.
We are at all times ready to provide banking services to
help our customers progress and develop their personal
and business relationships. 2016
Bersama
Membangun Negeri
Maybank Indonesia telah menjalankan fungsi
intermediasi dengan meningkatkan penyaluran
pembiayaan ke sektor infrastruktur yang menjadi salah
satu prioritas program kerja pemerintah untuk memacu
pertumbuhan ekonomi. Selain itu, kami membangun
sinergi dengan entitas bisnis grup dalam melayani
kebutuhan nasabah. Sejalan dengan itu, pemberdayaan
komunitas terus dilakukan untuk memperkuat
pembangunan inklusif sebagai wujud komitmen
2015 kami dalam mendorong kemajuan negeri. Dengan
menjalankan strategi tersebut, kinerja bisnis kami terus
Journey to the Next Level tumbuh di tengah perkembangan industri perbankan
Pergantian nama dari Bank Internasional Indonesia menjadi yang stagnan.
Maybank Indonesia secara resmi pada tahun 2015 telah Dedicated to Grow with the Nation
menjadi titik balik Maybank Indonesia untuk memulai The infrastructure sector has become one of the
perjalanan menuju tahapan baru. Semangat “Journey to government work program priorities to accelerate the
the Next Level” akan menjadikan Maybank Indonesia economic growth, as such Maybank Indonesia tap this
terus berupaya menjadi penyedia layanan keuangan yang opportunity through intermediation of prudent financing
terpercaya bagi masyarakat dan sekaligus membawa Bank disbursement to this sector. Moreover, synergy with the
melangkah ke tingkat regional. group’s business entities is developed to meet the needs
The change of name from PT Bank Internasional Indonesia of our customers. Subsequently, inclusive development is
Tbk (BII) to PT Bank Maybank Indonesia Tbk (Maybank strengthened accompanied by community empowerment
Indonesia) in 2015 has become a turning point for Maybank efforts to bring this nation forward. Hence, whilst the
Indonesia to begin the journey to the next level. The spirit industry recorded flat growth, Maybank Indonesia’s
of “Journey to the Next Level” will drive Maybank Indonesia business performance grew significantly.
to be a trustworthy financial service provider for the
community and also usher the Bank into the regional level.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
7
Menjalin
Sinergi
IKHTISAR UTAMA
Highlights
RINGKASAN KINERJA 2016
Performance Summary 2016 10
IKHTISAR KEUANGAN
Financial Highlights 12
Informasi Saham
Shares Information 16
Ikhtisar Obligasi
Bonds Highlights 18
AKSI KORPORASI
Corporate Actions 19
SUSPENSION DAN/ATAU DELISTING
Suspension and/or Delisting 19
SUSPENSION DAN/ATAU DELISTING
Suspension and/or Delisting 20
PERISTIWA PENTING
Event Highlight 21
IKHTISAR
IKHTISAR UTAMA
UTAMA LAPORAN MANAJEMEN PROFIL PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Ringkasan Kinerja 2016


Performance Summary 2016

Laba bersih setelah pajak dan


kepentingan non pengendali (PATAMI-
profit after tax & minority interest)

71,0
melesat % Pendapatan bunga bersih (NII)

menjadi
10,8%
naik
Rp
1,9daritriliun menjadi

6,6 triliun
Rp1.1 Trillion
Rp
Profit After Tax and Minority Interest
(“PATAMI”) increased by 71.0% to
Net Interest Income increased by
Rp1.9 trillion from Rp1.1 trillion
5.1% to Rp6.6 trillion

Pendapatan Non Bunga Marjin bunga bersih (NIM)


(Fee Based Income) naik menjadi
4,2
naik
menjadi
%
4,61 % dari
4,45%
Net Interest Margin (NIM)
Rp
2,1 triliun
Fee Based Income increased
improved to 4.61% from 4.45%

by 4.2% to Rp2.1 trillion

Total Aset Syariah dengan laba bersih


tumbuh
45,3 menjadi
61,9% % naik
menjadi Total Sharia Banking

triliun Rp466 miliar


Assets grew by 45,3%
Rp
23,2 to Rp23.2 trillion;
making up 14.0% of

sebesar 14,0
berkontribusi

dari total aset Bank


% the Bank total assets
with net profit surged
61.9% to Rp466
billion

Laporan Tahunan 2016 Annual Report


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Ringkasan Kinerja 2016


Performance Summary 2016

Loan-to-Deposit Ratio (Bank


saja) tetap terkelola dengan
sehat pada
88,92%
Loan-to-Deposit Ratio (Bank only)
remained healthy at 88.92%

Cost to Income Ratio (CIR)


turun signifikan dari

55,70% menjadi

52,02%
Cost to Income Ratio (CIR) improved
significantly from 55.70% to 52.02%

Total Capital Adequacy


Ratio (CAR) naik menjadi

16,77%
dengan total modal
Rp
21,8 triliun
Total Capital Adequacy Ratio
(CAR) increased to 16.77% with
total capital of Rp21.8 trillion

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IKHTISAR
IKHTISAR UTAMA
UTAMA LAPORAN MANAJEMEN PROFIL PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Ikhtisar Keuangan
Financial Highlights

dalam jutaan Rupiah in million Rupiah


Neraca Konsolidasian 2016 2015 2014 2013 2012 Consolidated Balance Sheets
Jumlah aset 166,678,902 157,619,013 143,365,211 140,600,863 115,904,262 Total assets
Kredit yang diberikan 1)
115,735,906 112,528,763 106,301,567 102,029,615 80,948,717 Loans
Kredit yang diberikan - 113,735,765 110,489,907 104,903,697 100,977,345 79,827,388 Loans - net
bersih 1)

Investasi keuangan - bersih Financial investments - net


Efek-efek 12,324,975 6,087,743 7,527,443 9,615,953 4,952,645 Marketable securities
O
 bligasi rekapitalisasi 3,557,817 3,579,368 3,580,884 3,596,832 3,664,794 Government recapitalization
pemerintah bonds
Penyertaan saham 4,552 4,552 4,552 4,552 4,552 Investment in shares
P
 enyisihan kerugian (198,100) (204,789) (239,775) (234,249) (259,907) Allowance for impairment
penurunan nilai losses
Total keuangan - bersih 15,689,244 9,466,874 10,873,104 12,983,088 8,362,084 Total financial asets - net
Aset produktif - bersih 142,382,712 139,320,620 125,721,642 123,935,703 102,024,012 Earning assets - net
Simpanan nasabah 118,931,951 115,486,436 101,863,992 107,239,558 85,946,647 Deposits from customers
Simpanan bank lain 2,790,608 2,898,462 2,949,291 1,055,508 1,724,095 Deposits from other banks
Pinjaman diterima 2,350,380 4,275,496 3,984,540 2,588,020 2,419,621 Borrowings
Jumlah kewajiban (tidak 147,406,296 141,875,745 128,870,064 128,370,015 106,646,375 Total liabilities (excluding
termasuk hak minoritas) minority interest)

Jumlah ekuitas 19,272,606 15,743,268 14,495,147 12,230,848 9,257,887 Total equity


Saldo Rata-rata Laporan Average Balance
Posisi Keuangan Konsolidasian Consolidated Balance Sheets
Jumlah aset 162,148,958 150,492,112 141,983,037 128,252,563 105,411,687 Total assets
Kredit yang diberikan 1)
114,132,335 109,415,165 104,165,591 91,489,166 74,067,305 Loans
Kredit yang diberikan - 112,112,836 107,696,802 102,940,521 90,402,367 72,911,405 Loans - net
bersih 1)

Investasi kuangan - bersih Financial investments - net


E
 fek-efek 9,206,359 6,807,593 8,571,698 7,284,299 4,222,543 Marketable securities
O
 bligasi rekapitalisasi 3,568,593 3,580,126 3,588,858 3,630,813 3,659,650 Government recapitalization
pemerintah bonds
P
 enyertaan saham 4,552 4,552 4,552 4,552 4,552 Investment in shares
P
 enyisihan kerugian (201,445) (222,282) (237,012) (247,078) (233,299) Allowance for impairment
penurunan nilai losses
Total keuangan - bersih 12,578,059 10,169,989 11,928,096 10,672,586 7,653,446 Total financial asets - net
Aset produktif - bersih 140,851,666 132,521,131 124,828,673 112,979,858 92,624,985 Earning assets - net
Simpanan nasabah 117,209,194 108,675,214 104,551,775 96,593,103 78,134,782 Deposits from customers
Simpanan bank lain 2,844,53 2,923,877 5 2,002,400 1,389,802 1,564,868 Deposits from other banks
Pinjaman diterima 3,312,938 4,130,018 3,286,280 2,503,821 2,362,025 Borrowings
Jumlah kewajiban (tidak 144,641,02 135,372,905 1 128,620,040 117,508,195 96,805,742 Total liabilities (excluding
termasuk hak minoritas) minority interest)
Jumlah ekuitas 17,507,937 15,119,208 13,362,998 10,744,368 8,605,945 Total equity
Keterangan | Notes:
1) Termasuk piutang pembiayaan konsumen | Including consumer financing receivables

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Ikhtisar Keuangan
Financial Highlights

Jumlah aset Kredit yang diberikan


Total assets Loan

dalam miliar / in billion dalam miliar / in billion

166,679

115,736
157,619

112,529
143,365

106,302
140,600

102,030
80,949
115,904

2012 2013 2014 2015 2016


2012 2013 2014 2015 2016

Simpanan nasabah LABA bersih


Deposits from customers Net Profit

dalam miliar / in billion dalam miliar / in billion


117,209

1.948
108,675
104,552
96,593

1.570
78,135

1.227

1.139
708

2012 2013 2014 2015 2016 2012 2013 2014 2015 2016

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Ikhtisar Keuangan
Financial Highlights

dalam jutaan Rupiah in million Rupiah


Laporan Laba Rugi Consolidated Statements of
2016 2015 2014 2013 2012
Konsolidasian Income
Pendapatan bunga bersih 6,607,543 5,961,376 5,481,129 4,989,225 4,632,288 Net interest income
Pendapatan operasional 2,103,853 2,020,018 1,188,714 1,506,679 1,296,646 Other operating income
lainnya
Penyisihan kerugian (1,594,888) (1,979,328) (1,568,902) (640,175) (942,573) Allowance for impairment
penurunan nilai atas losses on financial instruments
instrumen keuangan neto and provision for possible
dan penyisihan kerugian losses on non-earning assets
atas aset non-produktif
Beban operasional - bersih (6,126,213) (6,424,665) (5,682,711) (4,300,758) (4,425,200) Other operating expenses
Pendapatan operasional 2,585,183 1,556,729 987,132 2,195,146 1,503,734 Operating income - net
- bersih
Pendapatan/(beban) non 25,457 87,311 (4,408) (102,213) 28,923 Non operating income/
operasional - bersih (expenses) - net
Laba sebelum beban pajak 2,610,640 1,644,040 982,724 2,092,933 1,532,657 Income before tax expense
Beban pajak - bersih (676,452) (398,378) (236,840) (599,087) (470,532) Tax expense - net
Laba/(rugi) tahun 1,934,188 1,245,662 745,884 1,493,846 1,062,125 Income/(loss) for the year
berjalan dari operasi yang from continuing operations
dilanjutkan
Laba/(rugi) tahun berjalan 33,088 (102,100) (23,743) 101,689 168,453 Income/(loss) for the year
dari operasi yang dihentikan from discontinuing operations

Laba/(rugi) yang diatribusikan kepada: Income/(loss) for the year attributable to:
Pemilik entitas induk: Equity holders ot the parent company:
Laba tahun berjalan dari 1,934,188 1,245,662 745,884 1,493,846 1,062,125 Income for the year from
operasi yang dilanjutkan continuing operations
Laba tahun berjalan dari 14,124 (106,592) (37,876) 76,109 165,315 Income for the year from
operasi yang dihentikan discontinuing operations
Kepentingan non-pengendali Non-controlling interest
Laba tahun berjalan dari 18,964 4,492 14,133 25,580 3,138 Income for the year from
operasi yang dilanjutkan continuing operations
Total comprehensive 3,529,338 1,204,995 775,333 1,476,809 1,302,203 Total comprehensive income/
income/(loss) for the year - (loss) for the year - net of tax
net of tax

Total comprehensive income/ Total comprehensive income/


(loss) for the year attributable to: (loss) for the year attributable to:
Pemilik entitas induk: Equity holders ot the parent company:
Laba tahun berjalan dari 3,496,846 1,297,403 799,380 1,375,753 1,148,660 Income for the year from
operasi yang dilanjutkan continuing operations
Laba tahun berjalan dari 13,715 (100,986) (38,064) 75,717 156,071 Income for the year from
operasi yang dihentikan discontinuing operations
Kepentingan non-pengendali Non-controlling interest
Laba tahun berjalan dari 18,777 8,578 14,017 25,339 (2,528) Income for the year from
operasi yang dilanjutkan continuing operations
Laba per saham dasar Basic earings/(loss) per share
Dari operasi yang 28.55 18.39 12.21 25.45 18.87 From continuing operations
dilanjutkan
Dari operasi yang 0.21 (1.57) (0.62) 1.30 2.94 From discontinuing operations
dihentikan
Data saham: Shares data:
Jumlah saham yang 67,746,841 67,746,841 67,746,841 60,972,157 56,281,991 The amount of shares issued
ditempatkan dan disetor and paid-up (thousands)
penuh (ribuan)

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Ikhtisar Keuangan
Financial Highlights

dalam jutaan Rupiah in million Rupiah


Rasio Keuangan 2016 2015 2014 2013 2012 Financial Ratios
Permodalan Capital
CAR (Ratio Total) 16.77% 15.17% 15.76% 12.74% 12.83% CAR (Total Rasio )
Aset tetap terhadap modal 17.93% 14.57% 13.53% 15.27% 16.58% Fixed assets to capital
Kualitas aset Asset Quality
Aset produktif bermasalah 2.82% 3.00% 2.14% 2.01% 1.64% Non performing earnings
terhadap total aset assets to earnings assets
produktif
Kredit bermasalah 1)
3.42% 3.67% 2.23% 2.11% 1.70% Non performing loan (NPL)
Kredit bermasalah - bersih 1)
2.28% 2.42% 1.48% 1.55% 0.81% Non performing loan - net
(NPL - net)
CKPN aset keuangan 1.58% 1.60% 1.32% 1.05% 1.35% Allowance for impairment
terhadap aset produktif losses on financial assets to
earning assets

Pemenuhan PPA Produktif 60.61% 55.02% 68.94% 59.97% 68.38% Fullfillment of required
allowance for possible losses

Rentabilitas Rentability

Tingkat pengembalian aset 1.60% 1.08% 0.69% 1.64% 1.46% Return on assets (ROA)
(ROA) 3)
Tingkat pengembalian 11.85% 8.47% 6.10% 16.42% 16.04% Return on equity (ROE)
ekuitas (ROE)
Marjin bunga bersih (NIM) 3) 4.61% 4.45% 4.40% 4.47% 5.00% Net interest margin (NIM)
Beban operasional terhadap 84.36% 89.18% 92.13% 83.06% 87.06% Operating expenses to
pendapatan operasional operating revenues (BOPO)
(BOPO) 3)
Kewajiban bersih antar bank -4.43% -81.02% -19.88% -51.37% -93.40% Net interbank taking to Tier
terhadap modal inti I Capital
Liabilitas terhadap ekuitas 7.65 9.01 8.89 10.50 11.52 Liabilities to total equity
Liabilitas terhadap jumlah 0.88 0.90 0.90 0.91 0.92 Liabilities to total assets
aset
Liabilitas Liability

Kredit yang diberikan 88.92% 86.14% 92.67% 87.04% 87.34% Loans to Deposits (LDR)
terhadap simpanan (LDR) 2)
Kepatuhan Compliance

Persentase Pelampauan 0.00% 0.00% 0.00% 0.00% 0.00% Percentage of Legal Lending
Batas Maksimum Pemberian Limit (LLL) violation
Kredit (BMPK)
Giro Wajib Minimum Minimum Statutory Reserves
(GWM) Rupiah (GWM) Rupiah
Utama 2) 7.06% 8.11% 8.17% 8.12% 8.15% Primary
Sekunder 2) 6.67% 10.25% 7.78% 10.09% 11.31% Secondary
Giro Wajib Minimum 8.40% 8.33% 8.14% 8.15% 8.34% Minimum Statutory Reserves
(GWM) Mata Uang Asing 2) (GWM) Foreign Currency

Posisi Devisa Neto (PDN) 2) 5.63% 4.69% 0.88% 4.41% 9.61% Net Open Position (NOP)

Keterangan : Description:

1) Termasuk piutang pembiayaan konsumen Include consumer financing


2) Bank saja Bank only
3) Untuk tujuan perbandingan, angka tahun 2012, 2013, 2014, dan For comparison objective, 2012, 2013, 2014, and 2015 amount
2015 telah direklasifikasi agar sesuai dengan penyajian dalam laporan is reclassified to be alligned with presentation of consolidated
keuangan konsolidasian per tanggal 31 Desember 2016. financial statement as per 31 December 2016

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Informasi Saham
Shares Information

Kinerja Harga Saham 2016


2016 Share Price Performance

Volume Harga / Price

200.000.000 500

160.000.000 400

120.000.000 300

80.000.000 200

40.000.000 100

- 0
January February March April May June July August September October November December

Volume Harga Penutupan / Closing Price

Kinerja Harga Saham 2015


2015 Share Price Performance

Volume Harga / Price

2.500.000 250

2.000.000 200

1.500.000 150

1.000.000 100

500.000 50

0 0
January February March April May June July August September October November December

Volume Harga Penutupan / Closing Price

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Informasi Saham
Shares Information

Kinerja Saham Maybank Indonesia Tahun 2015-2016


Maybank Indonesia Share Performance 2015-2016
2016 2015
Harga Tertinggi (dalam Rupiah) 452 220 Highest price (in Rupiah)
Harga Terendah (dalam Rupiah) 155 145 Lowest Price (in Rupiah)
Harga Penutupan (dalam Rupiah) 340 171 Closing Price (in Rupiah)
Kapitalisasi Pasar (dalam miliar Rupiah) 23.034 11.585 Market Capitalization (in billion Rupiah)
Laba Bersih per Saham (dalam Rupiah) 29 17 Net Earnings per Share (in Rupiah)
Nilai Buku per Saham (dalam Rupiah) 274 216 Book Value per Share (in Rupiah)
P/E (x) 13,69 19,39 P/E (x)
P/BV (x) 1,28 0,93 P/BV (x)

Harga, Volume Transaksi, Jumlah Saham Beredar, dan Kapitalisasi Pasar


Per Triwulan Tahun 2015-2016
Quarterly Price, Volume of Transaction, Number of Oustanding Shares and Market Capitalization in 2015-2016
Jumlah Saham
Terendah Volume Kapitalisasi Pasar
Tertinggi Penutupan Beredar
Triwulan Lowest Transaksi Market
Highest Closing Number of
Quarter (Rupiah) Volume of Capitalization
(Rupiah) (Rupiah) Outstanding
Transaction (Rupiah)
Shares
2016
I 191 155 163 29.333.700 67.746.840.730 11.042.735.038.990
II 266 163 266 152.432.700 67.746.840.730 18.020.659.634.180
III 452 266 340 1.271.395.000 67.746.840.730 23.033.925.848.200
IV 434 308 340 774.099.500 67.746.840.730 23.033.925.848.200
2015
I 220 191 195 22.776.300 67.746.840.730 13.210.633.942.350
II 205 180 182 14.122.800 67.746.840.730 12.329.925.012.860
III 213 145 152 10.606.700 67.746.840.730 10.297.519.790.960
IV 189 146 171 13.668.200 67.746.840.730 11.584.709.764.830

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Ikhtisar Obligasi
Bonds Highlights

Jumlah
Nominal Tingkat
Tanggal Tanggal
(dalam Bunga/ Tanggal
Tenor Penerbitan Pencatatan Status
Jutaan Bagi Hasil Peringkat Jatuh
Nama Obligasi (tahun) Issuance di Bursa Pembayaran
Rupiah) Interest saat ini Tempo Bonds
Tenor Date Listing Payment
Nominal Rate/Profit Current Rating Maturity
(year) Listing Date in the Status
Amount Sharing Date
Exchange
(in million
Rupiah)
Sukuk
Shelf Registered
Mudharabah
Sukuk
Berkelanjutan I 8,25% idAAA(sy)
Belum Lunas Mudharabah I
Bank Maybank 700.000 (indikatif| 3 (Pefindo) & 10 Juni 2016 13 Juni 2016 10 Juni 2019
Outstanding Bank Maybank
Indonesia indicative) AAA(idn) (Fitch)
Indonesia Tranche
Tahap II Tahun
II Year 2016
2016
Obligasi
Shelf Registered
Subordinasi
Subordinated
Berkelanjutan II idAA
Belum Lunas Bonds II Bank
Bank Maybank 800.000 9,625% 7 (Pefindo) & 10 Juni 2016 13 Juni 2016 10 Juni 2023
Outstanding Maybank
Indonesia AA(idn) (Fitch)
Indonesia Tranche
Tahap II Tahun
II Year 2016
2016
Sukuk Shelf Registered
Mudharabah 9,35% idAAA(sy) Sukuk
Belum Lunas
Berkelanjutan I 300.000 (indikatif| 3 (Pefindo) & 8 Juli 2014 10 Juli 2014 8 Juli 2017 Mudharabah I
Outstanding
Bank BII Tahap I indicative) AAA(idn) (Fitch) Bank BII Tranche I
Tahun 2014 Year 2014
Obligasi Shelf Registered
Subordinasi idAA Subordinated
Belum Lunas
Berkelanjutan II 1.500.000 11,35% 7 (Pefindo) & 8 Juli 2014 10 Juli 2014 8 Juli 2021 Bonds II Bank BII
Outstanding
Bank BII Tahap I AA(idn) (Fitch) Tranche I Year
Tahun 2014 2014
Obligasi Berkelanjutan I Bank BII Tahap II Tahun 2012:
Shelf Registered Bonds I Bank BII Tranche II Year 2012:
31 Oktober 1 November 31 Oktober Lunas
- Seri A 980.000 7,60% 3 - Series A
idAAA (Pefindo) 2012 2012 2015 Fully repaid
& AAA(idn)
(Fitch) 31 Oktober 1 November 31 Oktober Belum Lunas
- Seri B 1.020.000 8,00% 5 - Series B
2012 2012 2017 Outstanding
Obligasi Shelf Registered
Subordinasi idAA+ (Pefindo) Subordinated
31 Oktober 1 November 31 Oktober Belum Lunas
Berkelanjutan I 1.000.000 9,25% 7 & Bonds I Bank BII
2012 2012 2019 Outstanding
Bank BII Tahap AA(idn) (Fitch) Tranche II Year
II Tahun 2012 2012
Obligasi Berkelanjutan I Bank BII Tahap I Tahun 2011:
Shelf Registered Bonds I Bank BII Tranche I Year 2011:

6 Desember 7 Desember 6 Desember Lunas


- Seri A 440.000 7,75% 3 - Series A
idAAA (Pefindo) 2011 2011 2014 Fully repaid
& AAA(idn)
(Fitch) 6 Desember 7 Desember 6 Desember Lunas
- Seri B 1.560.000 8,75% 5 - Series B
2011 2011 2016 Fully repaid

Obligasi Shelf Registered


Subordinasi Subordinated
idAA+(Pefindo) & 6 Desember 7 Desember 6 Desember Belum Lunas
Berkelanjutan I 500.000 10,00% 7 Bonds I Bank BII
AA(idn) (Fitch) 2011 2011 2018 Outstanding
Bank BII Tahap I Tranche I Year
Tahun 2011 2011
Obligasi
idAA+ (Pefindo) Subordinated
Subordinasi I Belum Lunas
1.500.000 10,75% & 19 Mei 2011 20 Mei 2011 19 Mei 2018 Bonds I Bank BII
Bank BII Tahun 7 Outstanding
AA(idn) (Fitch) Year 2011
2011

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Aksi Korporasi
Corporate Actions

• Maybank Indonesia menerbitkan Sukuk Mudharabah • Maybank Indonesia has issued Shelf Registered Sukuk
Berkelanjutan I Bank Maybank Indonesia Tahap II Tahun Mudharabah I Bank Maybank Indonesia Tranche II Year
2016 pada tanggal 10 Juni 2016 dengan jumlah nominal 2016 on 10 June 2016 with a nominal amount of Rp700
sebesar Rp700 miliar, tingkat pendapatan bagi hasil billion, 8.25% profit sharing rate and a 3-year tenor. The
sebesar 8,25% dan tenor selama 3 tahun. Penerbitan ini bonds has been listed on the Stock Exchange on 13 June
telah dicatatkan di Bursa pada tanggal 13 Juni 2016. 2016.

• Maybank Indonesia menerbitkan Obligasi Subordinasi • Maybank Indonesia has issued Shelf Registered
Berkelanjutan II Bank Maybank Indonesia Tahap II Subordinated Bonds II Bank Maybank Indonesia
Tahun 2016 pada tanggal 10 Juni 2016 dengan jumlah Tranche II Year 2016 on 10 June 2016 with a nominal
nominal sebesar Rp800 miliar, tingkat bunga sebesar amount of Rp800 billion, 9.625% interest rate and a
9,625% dan tenor selama 7 tahun. Penerbitan ini telah 7-year tenor. The bonds has been listed on the Stock
dicatatkan di Bursa pada tanggal 13 Juni 2016. Exchange on 13 June 2016.

Suspension dan/atau Delisting


Suspension and/or Delisting

Maybank Indonesia tidak mengalami suspense ataupun No suspension or delisting for Maybank Indonesia during
delisting selama tahun buku 2016. financial year 2016.

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Pemeringkatan
Rating

Sebagai bagian dari kebijakan Perusahaan untuk As part of the Company’s policy of providing information to
menyediakan informasi bagi pemegang saham dan both shareholders and public, the Company conducts rating
masyarakat, Bank melakukan pemeringkatan untuk menilai to assess the Company’s performance and condition through
kinerja dan kondisi Perusahaan melalui pihak independen, independent rating agencies, namely, PT Pemeringkat Efek
yaitu PT Pemeringkat Efek Indonesia (Pefindo) dan PT Fitch Indonesia (Pefindo) and PT Fitch Ratings Indonesia (Fitch).
Ratings Indonesia (Fitch).

PEFINDO
 April 2016
Rating Perusahaan idAAA/Stable Corporate Rating
Obligasi Berkelanjutan I Tahap I/2011 idAAA Shelf Reg. Bond I Phase I/2011
Obligasi Berkelanjutan I Tahap II/2012 idAAA Shelf Reg. Bond I Phase II/2012
Sukuk Mudharabah Berkelanjutan I Tahap I/2014 idAAA(sy) Shelf Reg. Sukuk Mudharabah I Phase I/2014
Sukuk Mudharabah Berkelanjutan I Tahap II/2016 idAAA(sy) Shelf Reg. Sukuk Mudharabah I Phase II/2016
Obligasi Subordinasi I/2011 idAA+ Subordinated Debt I/2011
Obligasi Subordinasi Berkelanjutan I Tahap I/2011 idAA+ Shelf Reg. Subordinated Debt I Phase I/2011
Obligasi Subordinasi Berkelanjutan I Tahap II/2012 idAA+ Shelf Reg. Subordinated Debt I Phase II/2012
Obligasi Subordinasi Berkelanjutan II Tahap I/2014 idAA Shelf Reg. Subordinated Bond II Phase I/2014
Obligasi Subordinasi Berkelanjutan II Tahap II/2016 idAA Shelf Reg. Subordinated Bond II Phase I/2016

FITCH
 April 2016
Peringkat Jangka Panjang Perusahaan BBB, Outlook Long Term Issuer Default Rating
Stabil
Peringkat Jangka Pendek Perusahaan F3 Short Term Issuer Default Rating
Peringkat Nasional Jangka Panjang AAA(idn), National Long-Term Rating
Outlook Stabil
Peringkat Nasional Jangka Pendek F1+(idn) National Short-Term Rating
Peringkat Viabilitas bb Viability Rating
Peringkat Dukungan 2 Support Rating
Peringkat Obligasi Subordinasi Rupiah I / 2011 AA(idn) Rupiah subordinated debt I/2011

Peringkat Program Obligasi Senior Rupiah I/2011 dan AAA(idn) Rupiah senior debt programme I/2011 and tranches
tahap-tahap di bawah program tersebut under the programme
Peringkat Program Obligasi Subordinasi Rupiah AA(idn) Rupiah subordinated debt programme I/2011 and
I/2011 dan tahap-tahap di bawah program tersebut tranches under the programme
Peringkat Program Obligasi Senior Rupiah Syariah AAA(idn) Rupiah sharia senior debt programme I/2014 and
I/2014 dan tahap-tahap di bawah program tersebut tranches under the programme
Peringkat Program Obligasi Subordinasi Rupiah AA(idn) Basel III compliant rupiah subordinated debt
I/2014 berdasar kerangka Basel III dan tahap-tahap di programme I/2014 and tranches under the
bawah program tersebut programme

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Peristiwa Penting
Event Highlights
Januari | January
Grand Launching Pembukaan
Maybank Indonesia, Perdagangan
Semangat Baru menjadi Saham Bursa
Lebih Besar, Lebih Baik, Efek Indonesia
Lebih Kuat
Opening the
The Grand Launching Indonesia
of Maybank Indonesia, Stock Exchange
New Spirit to be Bigger, Trading
Better, Stronger

Setelah memperoleh persetujuan dari Regulator atas pergantian nama


dari PT Bank Internasional Indonesia Tbk (BII) menjadi PT Bank Maybank
Indonesia Tbk (Maybank Indonesia), Grand Launching Maybank Indonesia
digelar di Jakarta, Medan, dan Surabaya dengan melibatkan Maybankers,
para nasabah dan stakeholder penting lainnya. (22, 27, dan 29 Januari 2016)
Maybank Indonesia mendapat kehormatan melakukan
After obtaining approval from the regulator regarding the change of the penekanan tombol sebagai tanda dibukanya perdagangan
Company’s name from PT Bank Internasional Indonesia Tbk (BII) into PT saham di Bursa Efek Indonesia (BEI). (25 Januari 2016)
Bank Maybank Indonesia Tbk (Maybank Indonesia), the Grand Launching
of Maybank Indonesia was held in 3 cities, Jakarta, Medan, and Surabaya, Maybank Indonesia was honored to push the IDX button as
involving all Maybankers, customers, and stakeholders. (22, 27, and 29 a symbolic sign to open the stock trading in Indonesia Stock
January 2016) Exchange. (25 January 2016)

Februari | February
Press Maybank Indonesia mengumumkan
Conference kinerja untuk selama tahun 2015 melalui
press conference dan analyst briefing.
dan Analyst
Acara tersebut dihadiri oleh para media
Briefing dan analis dari dalam negeri maupun
Maybank luar negeri melalui conference call. (23
Indonesia Februari 2016)
Press Maybank Indonesia announced the
Conference and Full Year 2015 Results through Press
Analyst Briefing Conference and Analyst Briefing. The
Maybank participants of this event were media,
Indonesia local and international analysts through
conference call facility. (23 February
2016)

Maret | March
Kerjasama Maybank Penerbitan USD
Indonesia dengan MTN – PT SMI
PT Usaha Bersama (USD MTN On
Indonesia (UBI) shore Pertama
Maybank Indonesia di Indonesia)
Cooperation with USD MTN – PT
PT Usaha Bersama SMI Issuance
Indonesia (UBI) (The First USD
MTN On shore
in Indonesia)

Sebagai bentuk dukungan Maybank Indonesia pada pelayanan transportasi


Maybank Indonesia mendapat kepercayaan dari PT Sarana Multi
yang lebih mudah dan efisien untuk masyarakat, Maybank Finance
Infrastruktur (Persero) (PT SMI) untuk membantu penerbitan
melakukan seremoni penandatanganan Memorandum of Understanding
surat utang jangka menengah atau medium terms notes (MTN)
(MoU) dalam Pendanaan Mobil dengan PT Usaha Bersama Indonesia (UBI)
dalam mata uang USD pertama mereka. (28 Maret 2016)
sebagai salah satu rekanan UBER. (17 Maret 2016)
Maybank Indonesia was trusted by PT Sarana Multi Infrastruktur
As a form of Maybank Indonesia’s support on transportation services
(Persero) (PT SMI) to assist the issuance of their first medium
to become easier and more efficient for society, Maybank Finance held
terms notes (MTN) in USD currency. (28 March 2016)
a signing ceremony of Memorandum of Understanding (MoU) in Car
Financing with PT Usaha Bersama Indonesia (UBI) as one of UBER partners.
(March 17, 2016)

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Peristiwa Penting
Event Highlights
April | April
RUPST dan Kerja Sama
Paparan Publik Maybank –
Maybank Sigur Ros
Indonesia Cooperation
Maybank of Maybank -
Indonesia Sigur Ros
AGMS and
Public Expose

PT Bank Maybank Indonesia Tbk menggelar Rapat Umum Pemegang Saham PT Bank Maybank Indonesia Tbk, melalui Unit Usaha Syariah
Tahunan (RUPST) di Sentral Senayan 3, Jakarta. Dalam RUPST dihadiri para dan Agency Services, ditunjuk sebagai Security Agent dan
BOD dan Presiden Komisaris Maybank Indonesia, Tan Sri Dato’ Megat Escrow Agent, mewakili Maybank Islamic Berhad. Hal ini
Zaharuddin bin Megat Mohd Nor, ini memiliki tujuh mata agenda acara. menunjukkan adanya sinergi diantara group Maybank. (April
Sementara itu, di hari dan tempat yang sama, Maybank Indonesia juga 2016)
menyelenggarakan Paparan Publik yang mengumumkan hasil kinerja
Maybank Indonesia selama tahun 2015. (22 April 2016) PT Bank Maybank Indonesia Tbk, through Sharia Business Unit
(UUS) and Agency Services, was appointed as the Security
PT Bank Maybank Indonesia Tbk held Annual General Meeting of Agent and the Escrow Agent, on behalf of Maybank Islamic
Shareholders (AGMS) on Sentral Senayan 3, Jakarta. The AGMS was Berhad. This shows the synergy between Maybank Group. (April
attended by the BOD and President Commisioner of Maybank Indonesia, 2016)
Tan Sri Dato ‘Megat Zaharuddin bin Megat Mohd Nor, and this AGMS has
seven agendas. Meanwhile, on the same day and place, Maybank Indonesia
also held a Public Expose to announced performance results for 2015 (22
April 2016)

Juli | July
Tax MAYBANK
Amnesty GO AHEAD.
Forum CHALLENGE
2016
Tax
Amnesty MAYBANK
Forum GO AHEAD.
CHALLENGE
2016

Maybank Indonesia menjadi tuan rumah dalam acara Tax Amnesty Forum Sebanyak 60 finalis hadir dalam pembukaan program Maybank
yang diselenggarakan oleh Bank Swasta Nasional & Bank Asing (Gateway) Go Ahead Challenge 2016 di Menara Maybank, Malaysia. (15
dan bekerja sama dengan OJK, PPATK dan Direktorat Jenderal Pajak. Agustus 2016)
Acara dibuka oleh Bapak Muliaman D. Hadad, Komisaris Utama OJK, 60 finalists attended the opening program of Maybank Go
yang dilanjutkan dengan penjelasan tax amnesty oleh Bapak Sigit Priadi Ahead Challenge 2016 at Menara Maybank, Malaysia. (August
Pramudito dan Bapak Agus Santoso. (27 Juli 2016) 15, 2016)
Maybank Indonesia hosted Tax Amnesty Forum organized by the National
Private Bank & Foreign Bank (Gateway) in cooperation with FSA, INTRAC
Maybank Indonesia bersama Maybank Foundation melakukan
and Directorate General of Taxation. Keynote speaker was Muliaman D.
pemberdayaan ekonomi bagi komunitas penyandang disabilitas
Hadad, Chief Commissioner of the FSA, followed by explanation about tax
dengan nama program Reach Independence & Sustainable
amnesty by Sigit Priadi Pramudito and Agus Santoso. (27 July 2016)
Entrepreneurship (RISE). Program ini merupakan program
pendampingan kewirausahaan dan pengelolaan keuangan yang
Maybank Indonesia terencana bagi masyarakat penyandang disabilitas. Program ini
Luncurkan Program diluncurkan di Hotel Fairmont Jakarta dengan tajuk “Maybank
Pemberdayaan Increases Confidence & Income of Disabled Community”. (26
Ekonomi Komunitas Juli 2016)
Penyandang Maybank Indonesia with Maybank Foundation did the economic
Disabilitas empowerment of persons with disabilities community program
called Reach Independence & Sustainable Entrepreneurship
Launch Event of (RISE). This program is a mentoring entrepreneurship and
Reach Independence financial management for people with disabilities. The program
& Sustainable was launched at the Fairmont Hotel Jakarta, with the headline
Entrepreneurship “Maybank Increases Confidence and Income of Disabled
(RISE Program) Community”. (26 July 2016)

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Peristiwa Penting
Event Highlights
Agustus | August
Maybank Bali Marathon (MBM) pada tahun
Maybank Bali 2016 diselenggarakan untuk kelima kalinya.
Marathon 2016 Dengan jumlah total peserta lebih dari
7.000, MBM adalah satu-satunya lomba
maraton di Indonesia yang menawarkan
pengalaman budaya Bali yang unik dengan
mempertahankan standar internasional.
Selain termasuk sebagai direktori resmi
lomba Boston Marathon, MBM 2016
telah dipilih oleh Persatuan Atletik
Seluruh Indonesia (PASI) sebagai lomba
yang telah memenuhi syarat untuk acara
Pekan Olahraga Nasional (PON). Sebagai
rangkaian dari Maybank Bali Marathon
2016, Maybank mengundang 50 atlet kursi
roda dari PUSPADI Bali bergabung untuk
kategori 10K. Tujuan dari kegiatan ini
adalah untuk memberikan kesempatan bagi
para atlet penyandang cacat untuk menjadi
bagian dari Maybank Bali Marathon. (28
Agustus 2016)

Maybank Bali Marathon (MBM) 2016 was held for the fifth time. With total number of participants more than 7,000, MBM is the only marathon
race in Indonesia that offers Balinese unique cultural experience while maintaining its international standard. Aside from being included as
the official race directory of Boston Marathon, MBM 2016 has been selected by Indonesia Athletic Association (PASI) as the qualifying race for
National Sport event (PON). As a series of Maybank Bali Marathon 2016, Maybank invited 50 wheelchair athletes from PUSPADI Bali join the
10K category. The objective of this activity was to provide opportunity for the disabled athletes to be part of Maybank Bali Marathon.
(28 August 2016)

Kemitraan Global Day


Strategis CR 2016
Maybank-Allianz
Global Day
Strategic CR 2016
Partnership
Maybank-Allianz

Maybank Indonesia menandatangani kemitraan untuk Maybank Global CR Day yang ketujuh dihadiri oleh lebih dari
10 tahun dengan Allianz Life Indonesia sebagai penyedia 18.000 karyawan Maybank di seluruh dunia. Di Indonesia, 2.000
asuransi jiwa untuk para nasabah. Ketiga produk unit link yang karyawan memberikan pendidikan keuangan untuk beberapa
dikembangkan adalah MyProtection Bijak, MyProtection Prima Sekolah Dasar Negeri (SDN) yaitu SDN Tebet Barat 08 Pagi, SDN
dan MyProtection Investa. (23 Agustus 2016) Tebet Barat 03 Pagi dan SDN Tebet Timur 11 Pagi, Jakarta, 20
Maybank Indonesia signed a 10-year partnership with Allianz Agustus.
Life Indonesia as the life insurance provider to the bank’s The seventh Maybank Global CR Day was attended by more
customers. The three unit-linked products developed were than 18,000 bank’s employees worldwide. In Indonesia, 2,000
MyProtection Bijak, MyProtection Prima and MyProtection employees provided financial education for several state-
Investa. (23 August 2016) elementary schools (SDN) namely SDN Tebet Barat 08 Pagi, SDN
Tebet Barat 03 Pagi and SDN Tebet Timur 11 Pagi, Jakarta. (20
August)

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Peristiwa Penting
Event Highlights

September | September
Maybank Indonesia dan Mendukung
JETRO Gelar Japanese- Maybank Invest
Indonesian SME ASEAN 2016
Exchange Workshop Support
Japanese-Indonesian Maybank Invest
SME Exchange ASEAN 2016
Workshop organized by
Maybank Indonesia and
JETRO

Maybank Indonesia dan Japan External Trade Organization (JETRO) bekerja Rangkaian ketujuh dan terakhir dari konferensi Invest ASEAN
sama dengan Small & Medium Enterprises of Japan (SMEJ) dan Kamar 2016 diselenggarakan di Grand Hyatt Hotel, Jakarta. Dengan
Dagang & Industri Indonesia (KADIN) menggelar seminar bisnis bertajuk tema “ ASEAN’s Next Wave: Building the Infrastructure of
Japanese-Indonesian SME Exchange Workshop yang bertujuan untuk Opportunity”, Maybank memprediksi bahwa Indonesia akan
menghasilkan bisnis-bisnis baru. Sampai saat ini, Maybank Indonesia telah membutuhkan US $ 264 miliar belanja modal (capex) untuk
memberikan layanan perbankan kepada 485 perusahaan Jepang. (5 Sept pembangunan infrastruktur antara tahun 2016 dan 2020. (14
2016) September 2016)
Maybank Indonesia and the Japan External Trade Organization (JETRO), The 7th and final installment of the Invest ASEAN 2016
Small and Medium Enterprises of Japan (SMEJ), and the Indonesian conference series was successfully held in Grand Hyatt
Chamber of Commerce and Industry (Kadin) conducted SME Exchange Hotel, Jakarta. Themed “ASEAN’s Next Wave: Building the
Workshop between Japanese companies and the bank’s customers in Infrastructure of Opportunity”, Maybank predicted that
Indonesia. The workshop was aimed to create new businesses. Per date, Indonesia would need US$264 billion in capital expenditure
Maybank Indonesia served 485 Japanese companies. (5 Sept 2016) (capex) for infrastructure development between 2016 and 2020.
(14 September 2016)

Oktober | October
Kerja Sama Maybank Indonesia mendukung pembangunan infrastruktur
Maybank nasional dengan menyediakan fasilitas pembiayaan Syariah
Musyarakah sebesar Rp950 miliar kepada PT Waskita Karya
Indonesia
(Persero) Tbk (Waskita) untuk membiayai modal kerja
dengan pembangunan proyek infrastruktur strategis. (20 Oktober
Waskita Karya 2016)
Cooperation Maybank Indonesia supported the national infrastructure
of Maybank development by providing Musharakah Islamic Financing of
Indonesia and Rp950 billion to PT Waskita Karya (Persero) Tbk (Waskita)
Waskita to finance the working capital fund for the strategic
infrastructure project development. (20 October 2016)

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Peristiwa Penting
Event Highlights

November | November
Peluncuran Maybank Group melalui Maybank Foundation meluncurkan “Maybank Women
“Maybank Eco Weaver”, merupakan program pemberdayaan ekonomi regional untuk para
Women Eco penenun di Lombok. Program ini merupakan salah satu program unggulan
Maybank Foundation yang dirancang untuk mempromosikan kesetaraan di
Weavers”
negara-negara ASEAN dengan memperkaya dan mempromosikan tekstil tenun
“Maybank tradisional secara berkelanjutan bagi perempuan untuk menjadi mandiri secara
Women Eco ekonomi juga secara bersamaan mendukung inklusi keuangan. Di Indonesia,
Weavers” bersama dengan Asosiasi Pendamping Perempuan Usaha Kecil (ASPPUK),
program ini dilaksanakan di empat lokasi, yaitu Lombok Timur dan Lombok
Launching
Tengah di Nusa Tenggara Barat, dan Sawahlunto dan Tanah Datar di Sumatera
Barat. (2 November 2016)

Maybank Group through Maybank Foundation launched “Maybank Women Eco Weaver”, carried out a regional economic empowerment
program for female eco weavers at Lombok. This program is one of Maybank Foundation’s flagship programs designed to promote
commonalities in ASEAN countries by enriching and promoting traditional woven textiles in a sustainable manner for women to become
economically independent whilst advocating financial inclusion at the same time. In Indonesia, Together with the Asosiasi Pendamping
Perempuan Usaha Kecil (ASPPUK), the program is carried out in four locations, namely East Lombok and Central Lombok in West Nusa
Tenggara, and Sawahlunto and Tanah Datar in West Sumatra. (2 November 2016)

Desember | December
Kemitraan Kemitraan
strategis strategis
Maybank Maybank
Indonesia – Indonesia – PLN
Jasa Marga Strategic
Strategic Partnership
Partnership Maybank
Maybank Indonesia –
Indonesia – PLN
Jasa Marga

Maybank Indonesia memberikan fasilitas pembiayaan Musyarakah Jalur iB Perusahaan Listrik Negara (PLN) memperoleh Rp12 triliun
(Syariah) dengan skema senilai Rp1,1 triliun untuk Jasa Marga. Komitmen pinjaman untuk membiayai pengembangan kapasitas daya
tersebut diklaim sebagai fasilitas pembiayaan syariah bilateral terbesar 35.000 MW tambahan. Pinjaman tersebut berasal dari Bank
(rupiah) di Indonesia untuk proyek infrastruktur. Kemitraan strategis Mandiri, Bank Central Asia (BCA), Bank Rakyat Indonesia (BRI),
dengan Jasa Marga ini merupakan keterlibatan bank untuk berpartisipasi Maybank Indonesia, Sarana Multi Infrastruktur, dan Indonesia
dalam pembangunan infrastruktur serta mengembangkan perbankan Eximbank yang akan jatuh tempo dalam 10 tahun. Pinjaman
syariah di Indonesia. (8 Desember 2016) akan digunakan untuk investasi pembangkit listrik, transmisi,
Maybank Indonesia provided financing facility under Musyarakah Line distribusi dan fasilitas lainnya di Indonesia. (20 Desember 2016)
iB (Sharia) scheme valuing Rp1.1 trillion to Jasa Marga. The commitment State electricity company PLN gained Rp12 trillion worth of
is claimed as the biggest rupiah-denominated bilateral sharia financing loans to finance the development of an additional 35,000 MW
facility in Indonesia for infrastructure projects. This strategic partnership power capacity. The loans were derived from Bank Mandiri,
with Jasa Marga was the bank’s involvement to participate in infrastructure Bank Central Asia (BCA), Bank Rakyat Indonesia (BRI), Maybank
development as well as develop sharia banking in Indonesia. (8 December Indonesia, Sarana Multi Infrastruktur, and Indonesia Eximbank
2016) that will due in 10 years. The loans will be used for investment
in power plant, transmission, distribution and facilities in
Indonesia. (20 December 2016)

RUPSLB Maybank Indonesia mengadakan Rapat Umum Pemegang


menyetujui Saham Luar Biasa (RUPSLB) untuk menyetujui struktur
Direksi dan menyetujui pengunduran diri Pak Henky
Direksi
Sulistyo dari jabatannya sebagai Direktur Manajemen
Maybank Risiko. (23 Desember 2016)
Indonesia
Maybank Indonesia held an Extraordinary General Meeting
EGMS to of Shareholders (EGMS) to approve the Board of Directors
approve structure and approve the resignation of Pak Henky
Maybank Sulistyo from his post as the Director of Risk Management.
Indonesia’s (23 December 2016)
Board of
Directors

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Meraih
Prestasi
LAPORAN DIREKSI
Board of Directors’ Report 28
LAPORAN DEWAN KOMISARIS
Board of Commissioners’ Report 46
LAPORAN DEWAN PENGAWAS SYARIAH
Report from the Shariah Supervisory Board 54
STRATEGI PENGEMBANGAN USAHA
Business Development Strategy 58

LAPORAN
MANAJEMEN
Management Reports
LABA BERSIH meningkat 71,0% menjadi
Rp1,9 triliun akhir tahun 2016
PATAMI increased by 71.0% to Rp1.9 trillion by the end of 2016
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Di tengah perkembangan industri


perbankan yang stagnan, kinerja
Maybank Indonesia tumbuh signifikan
dengan capaian laba bersih setelah pajak
dan kepentingan non pengendali sebesar
Rp1,9 triliun, naik 71,0% dibandingkan
periode sebelumnya. Pencapaian ini
berkat sinergi dengan entitas bisnis grup
dalam melayani kebutuhan nasabah di
Indonesia. Selain itu, Maybank turut
berkontribusi dalam pembangunan
infrastruktur yang menjadi salah satu
program kerja prioritas pemerintah untuk
memacu pertumbuhan ekonomi. Sejalan
dengan hasil kinerja positif tersebut,
pemberdayaan komunitas terus dilakukan
untuk memperkuat relasi sosial sebagai
wujud komitmen kami dalam mendorong
kemajuan negeri.”
Amid stagnant development in the banking industry, Maybank
Indonesia’s business performance grew significantly, with
net profits after tax and minority interests of Rp 1.9 trillion, a
71.0% increase from the preceding period. This achievement
demonstrated our continued ability to execute our strategy
well, supported by commitment, teamwork and improved
organizational capabilities. We were also able to use the
synergy between business entities within the group to serve
the requirements of clients in Indonesia. Maybank Indonesia
furthermore contributed to infrastructure development, a priority
government work program to spur economic growth. Alongside
these positive performances, community empowerment was
continued, aiming to strengthen social relations as part of our
commitment to aiding the nation’s progress.”

Taswin Zakaria
Presiden Direktur
President Director

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Pemegang Saham Yang Terhormat, Dear Respected Shareholders,

Tahun 2016 merupakan tahun transformasi bagi Maybank The year 2016 was for Maybank Indonesia a year of
Indonesia untuk terintegrasi menjadi bank regional. Hal transformation towards becoming an integrated regional
ini merupakan kontinuitas setelah sebelumnya berhasil bank. A continuity of our endeavor starting from re-profiling
melakukan reprofiling atas target client dari Perbankan the Global Banking customers target that was embarked
Global yang dimulai tahun 2014. Keberhasilan ini salah since 2014. The proof of our success was Maybank
satunya ditandai dengan partisipasi Maybank Indonesia Indonesia’s participation in several syndicated financing for
dalam berbagai pembiayaan sindikasi untuk pembangunan the infrastructure development (amongst others).
infrastruktur.

Setelah tiga tahun manjalankan program transformasi dan Following three years of carrying out this transformation
berganti nama menjadi PT Bank Maybank Indonesia Tbk, program and changing our name to PT Bank Maybank
kami memantapkan inisiatif merealisasikan integrasi dua lini Indonesia Tbk, we strengthened the Indonesian Regional
usaha dan memulai tahapan transformasi budaya sebagai Transformation (IRT) initiative, realized the integration of
bagian dari beberapa inisiatif strategis yang kami jalankan two business lines and began the first stages of a cultural
untuk memperkuat fondasi usaha. Sejalan dengan hal ini, transformation as part of several initiatives aiming to
kami pun terus meningkatkan kualitas produk dan layanan, reinforce our business foundations. In harmony, we also
terutama yang menunjang pembangunan dan infrastruktur continuously increased our product and services quality,
sebagai bagian dari komitmen tumbuh bersama negeri. aiming at supporting the infrastructure and construction
industry as part of our commitment to grow with the nation.

Kami menargetkan diperolehnya sinergi seluruh jajaran dari We targeted the attainment of synergy between all channels
realisasi inisiatif strategis, sekaligus fleksibilitas yang optimal in the realization of these strategic initiatives, as well as
dalam melayani berbagai segmen nasabah yang kini semakin optimal flexibility in serving a range of client segments,
koheren sebagai dampak kemajuan di bidang teknologi now increasingly coherent thanks to increased internal
informasi. Dengan strategi yang mengedepankan nasabah, coordination and supported by enhancement in information
kami menyediakan produk dan layanan yang mendukung technology. With our customer-centric strategy, we provided
kebutuhan nasabah untuk berkembang. Kami bertindak product and services for our customers to support their
cepat dengan mengikuti ritme perubahan para nasabah growth, manage risk and enhance efficiency continuously. We
dan nasabah potensial sebagai dampak digitalisasi yang acted in a timely fashion to adapt to changes in clients and
merambah seluruh sisi kehidupan masyarakat Indonesia. potential clients resulting from digitalization, which affects
Hal ini ditujukan untuk meningkatkan pengalaman nasabah all aspects of life for the Indonesian public. This is intended
dengan kami, salah satu bentuk konkretnya terlihat dari to enhance the customer experience journey with us, as also
pelayanan di kantor cabang dan regional yang serba digital seen from digital services provided throughout our branch
untuk mempersingkat waktu transaksi. Ini merupakan and regional offices – aiming at streamlining customers’
bagian dari upaya meningkatkan kepuasan nasabah. transactions hence improving customer satisfaction.

Kami juga memberi otonomi yang lebih besar kepada Kepala As the embodiment of Indonesia Regional Transformation
Wilayah Regional agar dapat mengoptimalkan peluang (IRT) initiative, we also provided ample autonomies for the
pertumbuhan usaha sebagai wujud dari inisiatif Indonesia Regional Head to optimize business growth opportunities
Regional Transformation (IRT). Hal ini dilakukan karena by using their deep knowledge on the economic potential in
Kepala Wilayah Regional lebih memahami potensi ekonomi their designated regions.
di wilayahnya.

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Kami menilai perubahan yang kami jalankan memberi hasil These changes, in our view, were a success, as evidenced in
yang menggembirakan, sebagaimana ditunjukkan oleh Maybank Indonesia’s financial performance improvement,
raihan kinerja keuangan Maybank Indonesia yang membaik despite tight conditions in the banking industry throughout
ditengah ketatnya kondisi perbankan sepanjang tahun 2016 2016.
lalu.

KONDISI PEREKONOMIAN DAN ECONOMIC AND BANKING


PERBANKAN INDONESIA 2016 CONDITIONS IN INDONESIA IN 2016
Perekonomian global di tahun 2016 masih belum In 2016, the global economy was not reached the level of
menunjukan tingkat pertumbuhan sebagaimana diharapkan. growth as we hoped for. However, while growth was below
Sekalipun tumbuh dibawah ekspektasi, mulai akhir kuartal expectations, positive developments did begin to appear
III 2016, terjadi perkembangan positif. Stimulus ekonomi in third quarter of 2016. Economic stimulus in a number
di beberapa negara besar di Asia, seperti China, Jepang of large Asian countries, such as China, Japan and India
dan India, membuat kondisi perekonomian Asia Pasifik enhanced specific economic conditions in the Asia-Pacific,
membaik, demikian pula beberapa komoditas primer seperti as did rising prices for primary commodities such as coal,
batubara, nikel, timah dan CPO juga mulai membaik. Hal ini nickel, tin and CPO. This led to beginning of recovery in
membuat kinerja ekspor Indonesia mulai pulih di kuartal Indonesian export performance in fourth quarter of 2016, as
IV 2016, ditunjukkan oleh data Badan Pusat Statistik, yang can be seen in data from the Central Statistics Agency (BPS),
menyebutkan total nilai ekspor sebesar USD144,43 miliar which showed that total export value was USD144.43 billion
walaupun lebih rendah dari nilai sebesar USD150,25 miliar in 2016, although 4% lower than USD150.25 billion in 2015.
di tahun 2015.

PDB Indonesia mulai membaik, menjadi 5,02% dari 4,88%, The Indonesian GDP began to improve, growing 5.02%
salah satunya didorong oleh realisasi belanja infrastruktur from 4.88%, driven by factors including the realization of
Pemerintah terlebih setelah program tax amnesty yang Government infrastructure spending, and complemented by
berhasil mengoptimalkan penerimaan pajak dan mulai the tax amnesty, which managed to optimize tax receipts.
pulihnya konsumsi domestik dengan tingkat inflasi 3,02% The economy also saw a recovery in domestic consumption,
dari 3,35% di tahun sebelumnya. Indikator positif lainnya with an inflation rate of 3.02% from 3.35% the previous year
adalah Indeks Keyakinan Konsumen naik menjadi sebesar and the Consumer Confidence Index, which grew to 116.0
116,0 dari 103,5 di akhir tahun 2015. Indeks financial from 103.5 at the end of 2015. The financial inclusion index
inclusive sudah bertumbuh menjadi 67,8% berkat layanan has grown to 67.8% in connection with the Laku Pandai
Laku Pandai (Layanan Keuangan Tanpa Kantor dalam Rangka (Branchless Financial Services aiming at Inclusive Finance)
Keuangan Inklusif), didukung meningkatnya aplikasi mobile program, supported by mobile banking applications capable
banking yang bisa menjangkau seluruh wilayah Indonesia. of reaching every part of Indonesia. Growth in this index
Peningkatan indeks ini juga menunjukkan semakin demonstrates the increasing access to finance for Micro and
terbukanya akses keuangan bagi pelaku bisnis Mikro dan Small business players.
Kecil.

Terdapat perbaikan harga komoditas primer di awal kuartal There were improvements in the prices of primary
ke III dan pertumbuhan ekonomi yang masih terbatas commodities at the beginning of the third quarter; however
tersebut, namun belum berhasil memberi dampak nyata economic growth was still limited and there was no major
pada realisasi investasi. Hal ini pada akhirnya membuat impact on investment realization. This has tended to
kinerja industri perbankan nasional cenderung tertekan. pressurize performance in the national banking industry.

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Data Otoritas Jasa Keuangan (OJK) menunjukan Data from the Financial Services Authority show that yoy
pertumbuhan kredit industri perbankan secara yoy pada banking industry loan growth fell to 7.9% from 10.4%, while
level 7,9% turun dari 10,4%, penghimpunan dana tumbuh fund accumulation grew to 9.6% from 7.3%. Net profits grew
sebesar 9,6% dari 7,3%. Laba bersih tumbuh 1,8% dari to 1.8% from -6.7% the previous year. Banking net profits
-6,7% di tahun sebelumnya. Laba bersih perbankan tumbuh, grew mainly due to reduced cost of funds as yet unmatched
diantaranya karena turunnya biaya dana yang belum diikuti by reduced interest rates on credit which were reducing
penurunan suku bunga kredit dalam rangka menutup risiko on the back of the government’s push towards the single
kredit macet. Secara umum perbankan nasional ditahun lending rate and tighter competition on the banking industry.
2016 terbebani penurunan kualitas kredit, dengan tingkat Overall, the national banking industry in 2016 was burdened
NPL-gross naik menjadi 2,93% dari 2,49%. Untuk mendorong by falling loan quality, with gross NPL climbing to 2.93%
peran intermediasi, BI yang telah menerapkan kebijakan from 2.49%. In order to reinforce its role as an intermediary,
suku bunga rujukan berdasarkan RR 7 hari dikisaran 4,75%, BI, which set its reference interest rate based on the 7-Day
dan melonggarkan ketentuan perhitungan GWM. RR at a level of 4.75%, also eased its stipulations on Foreign
Currency Statutory Reserve Requirements.

INISIATIF STRATEGI BANK DI TAHUN BANK STRATEGIC INITIATIVES IN 2016


2016
Menghadapi kondisi perekonomian dan perbankan yang To address these challenging banking and economic
penuh tantangan tersebut, kami menerapkan beberapa conditions, we put in place several strategic initiatives,
inisiatif strategis. Kami mengintegrasikan 2 lini usaha covering: Integration of two Bank business lines, namely
Bank, yakni Perbankan Bisnis dan Perbankan Ritel menjadi Business Banking and Retail Banking, into Community
Community Financial Services (CFS) dan merampingkan Financial Services (CFS) and Streamlining the number of
jumlah wilayah operasi Bank melalui Indonesian Regional regions in which the Bank operates through the Indonesian
Transformation (IRT) dari 12 wilayah menjadi 9 wilayah Regional Transformation (IRT) from 12 (twelve) regions to 9
termasuk memberikan kewenangan kepada Kepala Wilayah (nine) regions. The latter including to delegate authority to
Regional, untuk memutuskan pemberian kredit, melakukan the Regional Head to make decisions on loan disbursements,
rekrutmen, dan menggalang dana pembiayaan serta recruitment, and funding as well as managing bank
mengelola segmen bank yang relevan dengan potensi segments relevant to local economic potential, operational
ekonomi setempat, menjalankan kegiatan operasional dan management and risk mitigation in each designated region.
memitigasi risiko di wilayah masing-masing.

Kami tetap berfokus menjalankan 4 pilar aspirasi strategis We remained focus in implementing 4 pillars of Bank’s
Bank, yang mencakup: 1) Memberikan layanan berkualitas strategic aspirations, which are 1) High Quality Service;
tinggi (High Quality Service); 2) Mengembangkan 2) Product Innovation; 3) Process Simplification; and 4)
inovasi produk yang menarik (Product Innovation); 3) Regional Connectivity.
Penyederhanaan proses (Process Simplification), dan 4)
Konektivitas secara regional (Regional Connectivity).

Dalam pemberian kredit, kami fokus pada lini bisnis CFS In terms of loan disbursement, we focused on CFS (for
(untuk sektor produktif dan konsumtif) yaitu Perbankan productive and consumptive sectors) namely CFS Non
CFS Non Ritel (termasuk didalamnya kredit UMKM) dan Retail (including MSME loans) and CFS Retail. Meanwhile,
Perbankan CFS Ritel. Sementara pada Lini Global Banking customer acquisition was the key priority in Global Banking
kami fokus pada akuisisi prospek nasabah (pipeline) aiming at pipeline customers from large corporates
segmen korporasi skala besar dan Badan Usaha Milik and State-Owned Enterprises (SOEs) segment. We also
Negara (BUMN). Kami juga mengintensifkan pelaksanaan intensified early alert mechanism and watch-list policy to
peringatan dini (Early Alert Mechanism and Watchlist Policy) maintain credit quality.
untuk menjaga kualitas kredit.

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Dalam penggalangan dana, kami berfokus pada perolehan On funding, we focused on obtaining CASA growth by
dana murah (CASA) dengan menargetkan porsi dana murah targeting optimum low cost funds through the Bank’s
yang optimal melalui fokus terus menerus dalam perbankan continuous focus on its transactional banking, strong
transaksional, solusi rantai pasokan keuangan yang kuat, financial supply chain solutions, and its electronic channels
dan saluran elektronik yang mencakup fasilitas mobile which include its internet-based mobile banking facility
banking berbasis internet, Maybank M2U. Maybank M2U.

Kami berupaya meningkatkan porsi pendapatan non-bunga We strove to improve non-interest income through
melalui intensifikasi penjualan produk bancassurance, bancassurance product sales intensification, treasury and
aktivitas tresuri dan transctional banking. Sementara transactional banking activities. Meanwhile in managing
dalam rangka mengelola biaya overhad, kami melanjutkan overhead, we continued the Strategic Cost Management
penerapan Strategic Cost Management Program (SCMP) dan Program (SCMP) application and initiation of the Culture
menginisiasi program Culture Transformationdan disaat Transformation program, and at the same time, we
bersamaan, kami juga semakin intens mengedepankan increasingly intensified service excellence in order to boost
upaya peningkatan kualitas layanan guna mendukung customer acquisitions.
perluasan nasabah.

Pada tanggal 11 Januari 2017, kami telah menandatangani On 11 January 2017, we have signed a conditional share
perjanjian jual beli saham bersyarat untuk melakukan purchase agreement to divest the entire 68.55% stake in
divestasi seluruh saham 68,55% di anak perusahaan PT our subsidiary PT Wahana Ottomitra Multiartha Tbk (WOM
Wahana Ottomitra Multiartha Tbk (WOM Finance) ke PT Finance) to PT Reliance Capital Management (RCM). We
Reliance Capital Management (RCM). Kami mengambil took this strategic initiative in order to maximize our capital
inisiatif strategis ini untuk memaksimalkan alokasi modal allocation and to streamline our customer segmentation,
dan guna merampingkan segmentasi pelanggan kami, which will contribute to the optimization of our resources
sehingga akan mengoptimalisasikan sumber daya kami in the most efficient manner. This is in line with our renewed
dengan cara yang paling efisien. Hal ini sejalan dengan perspective on the different customer segments of the Bank,
perspektif baru segmen pelanggan yang berbeda dari Bank, particularly the retail segment, as we continue to sharpen
khususnya segmen retail, dengan terus mempertajam their definitions and approach.
definisi dan pendekatannya.

KINERJA MAYBANK INDONESIA DI PERFORMANCE OF MAYBANK


TAHUN 2016 INDONESIA IN 2016
Memperhatikan dengan seksama kondisi terkini, Maybank With a careful eye on the latest conditions, Maybank
Indonesia memfokuskan pemasaran pada dua segmen utama, Indonesia focused in 2016 on two main segments, namely
yakni Korporasi Besar BUMN dan Segmen UMKM. Sejalan Large State-Owned Enterprises and the Micro, Small and
dengan program prioritas Pemerintah, kami semakin fokus Medium Enterprises segment. In line with the government’s
membidik pasar pembiayaan proyek-proyek infrastruktur, priority programs, we placed a greater focus on developing
seperti jalan tol, ketenagalistrikan dan sebagainya. Kami the market for infrastructure project financing, including
mendukung secara langsung melalui pembiayaan sindikasi for toll roads, electrical infrastructure and similar projects.
maupun tak langsung, dengan mendukung penggalangan We offered both direct support, in the form of syndicated
dana bagi pembangunan infrastruktur nasional. financing, and indirect support, in the form of offering funds
for the development of national infrastructure.

Kami juga terus menunjukkan komitmen tinggi untuk We also continue to demonstrate the firmest commitment to
mendukung pertumbuhan sektor UMKM, dengan supporting growth in the SME sector by offering integrated
menyediakan produk-produk perbankan terintegrasi yang banking products tailored to clients in this segment.
sesuai untuk nasabah di segmen ini. Kami memandang We believe that this segment, whose products are more
segmen yang produknya lebih banyak tertuju di pasar anchored to the domestic market, is a major contributor to
domestik ini menjadi salah satu kontributor utama domestic economic resilience and to increasing Indonesia’s
kokohnya perekonomian domestik dan naiknya kembali GDP.
GDP Indonesia.

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Dengan membidik pasar yang tepat tersebut, Maybank With a focus on this market, Maybank Indonesia continues
Indonesia tetap membukukan pertumbuhan kredit yang to record strong loan growth in the CFS Non Retail Banking
kuat di segmen Perbankan CFS Non Ritel sebagai motor segment as a motor of Bank growth, with a 12.3% increase
penggerak pertumbuhan Bank dengan kenaikan 12,3% to Rp 51.5 trillion, and contributions from the Business
menjadi Rp51,5 triliun, dikontribusikan oleh subsegmen and SMS sub segments, which grew respectively at 13.4%
Bisnis dan UKM, yang masing-masing tumbuh 13,4% dan and 14.1%. We excelled despite the challenging economic
14,1%. Kami berhasil mengatasi kondisi ekonomi yang conditions by recording total overall loan growth of 2.9% to
kurang kondusif dengan mencatatkan pertumbuhan kredit Rp 115.7 trillion.
sebesar 2,9%, selaras dengan pertumbuhan kredit perbankan
nasional, menjadi sebesar Rp115,7 triliun.

Komposisi kredit Maybank Indonesia untuk kedua lini bisnis Maybank Indonesia’s loan composition for its two business
menjadi 78% CFS dan 22% Perbankan Global. Sementara lines stood at 78% for CFS and 22% for Global Banking.
kualitas aset tetap terjaga dan membaik menjadi 3,4% Meanwhile, asset quality was well maintained and improved
(gross NPL – konsolidasian) dibandingkan 3,7% di tahun to 3.4% (gross NPL – consolidated) from 3.7% in the previous
sebelumnya. year.

Selain keunggulan di Financial Supply Chain Management In addition to excellent financial supply chain management
(FSCM), yang menjadi salah satu kekuatan Bank dalam (FCSM), which helped to strengthen the Bank’s ability
menjaring kebutuhan end-to-end dari ekosistem bisnis, to address end-to-end requirements from the business
dukungan pembiayaan mikro khusus bernama “PIJAR” ecosystem, support for SME and micro-financing programs
(Pilihan Bijak Mitra Usaha) yang mengedepankan prioritizing a quality community empowerment approach
pendekatan pemberdayaan komunitas yang berkualitas in the form of financial literacy education programs for
berupa program literasi keuangan bagi komunitas, the public allowed the Business Banking segment to
membuat segmen Perbankan Bisnis mampu berkontribusi contribute positively, in line with MSME business conditions
positif, sejalan dengan kondisi usaha UMKM yang tetap continuing to offer a positive contribution to the Indonesian
menunjukkan kontribusi positif terhadap perekonomian economy. We believe the positive results of CFS most part
Indonesia. Kami meyakini hasil positif dari lini bisnis CFS are attributed by realization of IRT initiatives that enabled
ini sebagian besar dikontribusikan oleh realisasi inisiatif every Regional Director to realized the economic potential,
IRT yang memungkinkan masing-masing kepala Wilayah with good insight on important economic players and key
Regional, mengenali potensi ekonomi, mengetahui para industry segments in their respective regions and able to
pelaku ekonomi yang berperan dan mampu melakukan carry out best approach, in accordance with their authority.
pendekatan terbaik, sesuai kewenangan yang diberikan.

Lini Bisnis Perbankan Global menunjukkan pertumbuhan Global Banking recorded a positive contribution of 20.0% yoy
sebesar 20,0% yoy seiring dengan pencapaian beberapa growth in line with the conversion of a number of significant
transaksi signifikan dari segmen Large Corporates dan transactions from the Large Corporates and State-Owned
BUMN. Reprofiling atas target client dari Perbankan Enterprises segment. Re-profiling of target clients at Global
Global yang dimulai tahun 2014 mulai menunjukkan Banking, which began in 2014, has started to show positive
perkembangan positif dengan semakin besarnya partisipasi developments, with the Bank participating more heavily in
pembiayaan Bank dalam segmen tersebut. Salah satu bukti financing for this corporate segment. One of the notable
keberhasilan kami adalah partisipasi Bank dalam sindikasi achievements was Bank’s participation in Rp12 trillion
senilai Rp12 triliun dalam rangka mendukung pembangunan syndication to support PLN infrastructure construction.
infrastruktur PLN.

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Karena menurunnya konsumsi nasabah, pertumbuhan CFS Due to soft consumers spending, CFS Retail Banking shrank
Retail Banking menurun 14,9% yoy. Di tengah rendahnya by 14.9% yoy growth. In the midst of low consumption
pertumbuhan konsumsi tersebut, kinerja otomotif dan KPR growth our auto and mortgage were both down by 25.6%
turun masing-masing 25,6% yoy menjadi Rp 17,1 triliun dan yoy to Rp 17.1 trillion and 1.9% yoy to Rp 17.8 trillion
1,9% yoy menjadi Rp 17,8 triliun. Segmen perumahan di respectively. Nation-wide, the housing segment in 2016
tahun 2016 secara nasional memang masih dalam tekanan. remained under pressure.

Unit Usaha Syariah Maybank Indonesia (UUS) terus Maybank Indonesia’s Sharia Banking Unit (UUS) continued to
menunjukkan kinerja yang menggembirakan melalui show an impressive performance thanks to implementation
implementasi strategi Sharia First di seluruh cabang dan of the Sharia First strategy at all branches and continuous
perbaikan model bisnis yang terus dilakukan sejak 2014. improvements to the business model since 2014. Total sharia
Total pembiayaan shariah tumbuh 61,2% yoy menjadi financing grew 61.2% yoy to Rp14.0 trillion in 2016 with
Rp14,0 triliun di 2016 dengan kualitas pembiayaan syariah sharia financing quality maintained at a good quality. Total
yang terjaga dengan baik. Total aset Syariah tumbuh sebesar sharia assets grew 45.3% yoy to Rp23.2 trillion, contributing
45,3% yoy menjadi Rp23,2 trillion, berkontribusi 14% around 14% of the Bank’s total assets. Total sharia deposits
terhadap total aset Bank. Total simpanan shariah meningkat increased by 70.9% to Rp10.9 trillion from Rp6.4 trillion in
70,9% menjadi Rp10,9 triliun dari Rp6,4 triliun di tahun 2015.
2015.

Terjaganya kualitas aset membuat pendapatan bunga With asset quality maintained at a good level and pricing
bersih Bank naik 10,8%% menjadi Rp6,6 triliun dari Rp6,0 discipline in loans and deposits, the Bank’s net interest
triliun di tahun sebelumnya. Sementara pendapatan non income grew 10.8% to Rp6.6 trillion from Rp6.0 trillion in
bunga berkontribusi terhadap pendapatan konsolidasi the previous year, while non-interest income contributed
Bank sebesar Rp2,1 triliun dari peningkatan kegiatan to Bank consolidated revenue of Rp2.1 trillion driven by
bancassurance,kegiatan treasury dan kartu kredit. Bancassurance and treasury activity.

Implementasi inisiatif Strategic Cost Management Program Implementation of the Strategic Cost Management Program
(SCPM) dilain pihak membuat Bank mampu mengendalikan (SCPM) allowed the Bank to control its operational cost
komponen biaya operasional, yakni biaya personalia dan components, namely personnel and GA costs, which grew
GA, sehingga hanya naik sebesar 1,9% saja, sekalipun at only 1.9% at a time of increasing costs of supporting
terjadi kenaikan harga pada berbagai produk pendukung products for operational activities. For the first time we
kegiatan operasional. Untuk pertama kalinya kami mampu managed Cost to Income Ratio (CIR) below 55% at 52.02%
mencatat Rasio Biaya terhadap Pendapatan (CIR) di bawah which we hope to be sustainable going forward. Limiting
55% yaitu 52,02% yang selanjutnya kami harap untuk terus the operating expense growth to a single digit whilst
dipertahankan. Membatasi pertumbuhan beban usaha operating income and transaction volumes continued to
dalam satu digit sementara pendapatan operasional dan grow in double-digits was not easily achieved without the
volume transaksi terus tumbuh dalam dua digit, suatu hal commitment and discipline of the implementation of SCMP.
yang tidak gampang diraih tanpa komitmen dan disiplin
dalam implementasi program manajemen biaya (SCMP).

Pengelolaan aset NPL yang semakin baik membuat Bank Improved control of NPL assets allowed the Bank to reduce
mampu meningkatkan pertumbuhan biaya provisi sebesar provision expenses by 19.4% yoy growth. All of these
19,4% yoy, sehingga Bank mampu mencatatkan kenaikan enabled the Bank to record a substantial increase in profits
laba sebelum pajak (PBT) yang substansial, sebesar 58,8% before tax at 58.8%, reaching Rp 2,611 billion. Taking into
mencapai Rp2.611 miliar. Setelah memperhitungkan bunga account tax and minority interest, the Bank recorded a fairly
minoritas dan pajak, Bank membukukan kenaikan laba significant increase in net profit at 71.0%, reaching Rp 1,948
bersih cukup signifikan sebesar 71,0% menjadi sebesar billion.
Rp1.948 miliar.

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Peningkatan perolehan laba tersebut, membuat ROE Increased profits allowed Maybank Indonesia’s ROE to reach
Maybank Indonesia menjadi sebesar 11,9% naik dari 8,5% 11.9%, increasing from 8.5% in 2015, while ROA increased
di tahun 2015 sementara ROA naik menjadi sebesar 1,6% to 1.6% from 1.1% in the previous year.
dari 1,1% di tahun sebelumnya.

Pertumbuhan kontribusi pendapatan dari kantor cabang Increasing contributions in revenue from regional branch
regional yang terus meningkat serta PBT yang naik sebesar offices, as well as PBT growth of 58.8% yoy, achieved
58,8% YoY yang dapat dicapai di tengah-tengah perlambatan amid economic downturn in many parts of Indonesia,
ekonomi di sebagian wilayah utama di Indonesia, merupakan demonstrates positive developments and initiatives from the
perkembangan positif dari inisiatif Indonesia Regional Indonesia Regional Transformation (IRT), which prioritizes
Transformation (IRT) yang mengedepankan pengelolaan greater autonomy in regional business management.
bisnis regional secara lebih otonom.

Maybank Indonesia juga mencatatkan kinerja penghimpunan Maybank Indonesia also recorded fund accumulation to
dana untuk mendukung pertumbuhan kredit, yakni naik 3,0% boost loan growth, increasing 3.0% to Rp 118.9 trillion, with
menjadi sebesar Rp118,9 triliun, dengan CASA rasio berada CASA ratio at a level of 38.71% and the LDR Bank (only) was
pada angka sebesar 38,71%. Pertumbuhan penghimpunan at a sound level of 88.9%, while consolidated LDR was at a
dana yang berada dibawah pertumbuhan kredit membuat level of 94.1%.
LDR Bank (saja) cukup sehat di posisi 88,9% sementara LDR
Konsolidasi pada angka 94,1%.

Realisasi laba bersih tahun berjalan dan obligasi subordinasi Realization of profit of the year and subordinated bonds
sebesar Rp800 miliar, yang dapat dicatatkan sebagai modal amounted to Rp 800 billion, recorded as Tier 2 model to
Tier 2 untuk memperkuat struktur modal, membuat rasio strengthen capital structure, has increased the capital
kecukupan modal meningkat menjadi 16,8% dari 15,2%. adequacy ratio to 16.8% from 15.2%.

Pencapaian Vs Target 2016 Achievements Vs. Targets 2016


Dengan hasil kinerja keuangan yang baik ditengah ketatnya With a positive financial performance amid tight economic
kondisi perbankan, beberapa target pada rencana kerja conditions, a number of targets set by work plans and KPIs
dan KPI yang ditetapkan berhasil dicapai, namun beberapa were successfully achieved as shown in the following table
lainnya belum dapat dicapai, seperti ditunjukkan dalam with the one exception being on the total loans growth.
tabel ringkas berikut.

Komponen Realisasi 2016 Keterangan


Target 2016
Component Realization 2016 Remarks
Pertumbuhan 11.0% - 13.0% 2.9%* Perbankan Global dan Perbankan CFS Non Ritel tumbuh
Kredit masing-masing sebesar 20,0% dan 12,3%. Namun
Loans Growth Perbankan CFS Retail menurun 14,9% yoy akibat
rendahnya tingkat konsumsi nasabah

Global Banking and CFS Non Retail Banking grew 20.0%


and 12.3% yoy respectively. CFS Retail Banking, however,
shrank by 14.9% yoy growth due to low consumption
spending
Laba Bersih Rp1.220 miliar Rp1.948 miliar Pencapaian laba bersih tertinggi yang didorong oleh
peningkatan pendapatan

PATAMI Rp1,220 billion Rp1,948 billion The net profit was the highest the Bank ever recorded and
was driven by robust income growth

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Komponen Realisasi 2016 Keterangan


Target 2016
Component Realization 2016 Remarks
ROE 11.0% - 12.0% 11.9% Sejalan dengan peningkatan laba bersih, tingkat ROE turut
membaik

In line with improvement in net profit, ROE subsequently


improved
NIM 4.2% 4.6% NIM dicapai dengan disiplin dalam startegi pricing dan
ulitlisasi pendanaan yang optimal

NIM was achieved on the back of discipline pricing


strategy and optimized funds utilization
* Sehubungan dengan proposal divestasi WOM Finance (Perjanjian Jual Beli Saham Bersyarat ditandatangani pada 11 Januari
2017), penyajian laporan keuangan konsolidasi 2016 (diaudit) adalah sesuai dengan PSAK 58 atau setara dengan IFRS 9 :
Aset Tidak Lancar yang Dimiliki Untuk Dijual dan Operasi yang Dihentikan

* Due to the proposed disposal of WOM Finance (CSPA signed on 11 January 2017), the presentation of the 2016 audited
consolidated financial statements is accordance with PSAK 58 equivalent to IFRS 5 : Non-current Assets Held for Sale and
Discontinued Operations

KENDALA YANG DIHADAPI Challenges


Kendala umum yang dihadapi perbankan di tahun 2016 General challenges encountered by the banking industry
adalah masih belum signifikannya pertumbuhan konsumsi, in 2016 included underwhelming consumption growth,
yang pada akhirnya membuat kegiatan investasi masih and similarly low investment activity. Corporate clients,
belum tumbuh secara signifikan. Nasabah-nasabah korporasi especially in sectors relating to mining and forestry, were
terutama di sektor yang berkaitan dengan kegiatan forced to deal with continued weakness in the export
penambangan dan perkebunan, masih harus menghadapi market for many of their products, affecting the business
lemahnya pasar ekspor dari berbagai produknya, sehingga performance of major clients and supporting sectors. The
mempengaruhi kinerja usaha nasabah besar dan sektor consumer sector, especially the property and automobile
pendukungnya. Sektor konsumer, utamanya pasar properti markets, which had yet to recover, also weakened this sector.
dan otomotif yang belum pulih juga membuat sektor ini These conditions all put pressure on banking loan quality.
masih lemah. Kondisi tersebut membuat kualitas kredit
perbankan tertekan.

Akibatnya Bank lebih berkonsentrasi untuk menjaga kualitas The Bank adopted a cautious stance to new loans and limited
kredit dan berupaya menyelesaikan permasalahan terkait its new loans growth to very selected industry sectors and
dengan NPL, bukan pada upaya menyalurkan pinjaman baru. debtors in line with our risk appetite. We also continued
Bank secara aktif melakukan restrukturisasi akun tersebut to focus on restructuring and strengthened its monitoring
meskipun lambatnya proses di pengadilan untuk debitur and control efforts to maintain and improve credit quality
yang mengalami kebangkrutan tetap menjadi perhatian. although the slow progress in court for debtors undergoing
bankruptcy proceeding remained a concern.

Dalam hal suku bunga, terdapat himbauan dari pemerintah In terms of interest rates, there were addresses from
untuk menurunkan suku bunga kredit ke satu digit. Namun, government to lower lending rates into a single digit number.
tingkat suku bunga akan sangat bergantung pada tingkat However, the level of interest rates will heavily depend on
biaya dana, premi risiko dan efisiensi Bank. the level of funding costs, risk premium and efficiency of the
Bank.

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Dari sisi pendanaan, akumulasi dana murah (CASA) tetap On funding, low cost funds (CASA) accumulation remains
menjadi prioritas. Secara umum dengan bank lain di a priority. In common with other banks in Indonesia, we
Indonesia, kami masih harus dihadapkan pada masalah faced the common problem of mismatch between relatively
mismatching antara durasi sumber dana yang relatif short duration of sources of funds and longer loan terms.
pendek dan term pinjaman yang lebih panjang. Namun hal This however has been improving in recent years through
ini telah membaik dalam beberapa tahun terakhir melalui continued implementation of prudent policy to maintain
pelaksanaan terus menerus atas kebijakan manajemen liquidity position, diversification of funding sources and
likuiditas, diversifikasi sumber pendanaan dan peningkatan an increase in the amount and lengthening of tenor in the
jumlah dan perpanjangan tenor di neraca utama. Ke core balances. Going forward liquidity growth continued
depannya pertumbuhan likuiditas terus menjadi tantangan to be a challenge amid uncertainty of fed rate hike and its
di tengah ketidakpastian kenaikan suku bunga oleh The Fed subsequent capital outflow.
sehingga menyebabkan keluarnya arus modal.

PROSPEK USAHA TAHUN 2017 Business Prospects in 2017


Sesuai dengan prakiraan para Ekonom dan Bank Indonesia, According to the predictions of economists and Bank
perekonomian Indonesia di tahun 2017 akan tumbuh lebih Indonesia, the Indonesian economy will, in 2017, grow at a
tinggi dari realisasi pertumbuhan 2016, berkisar pada 5,1%. faster rate than the realized growth in 2016, at a level around
Angka prakiraan pertumbuhan ini lebih baik dari prakiraan 5.1%. The growth in the global economy, on the other hand,
perekonomian global yang berada pada kisaran 3,2%. is expected to remain at around 3.2%.

Realisasi belanja Pemerintah pada berbagai proyek Realization of Government spending on a number of basic
infrastruktur dasar, dampak paket deregulasi & stimulus dan infrastructure projects, the effects of the deregulation and
kembali naiknya permintaan domestik, akan menjadi faktor stimulus packet and rebounding domestic demand will
utama pendukung kinerja perekonomian Indonesia di tahun be the main factors supporting the Indonesian economic
mendatang. Peningkatan Outlook Sovereign Credit Rating performance next year. The increase in the Outlook
Republik Indonesia dari Stable menjadi Positive oleh Fitch Sovereign Credit Rating for Indonesia from Stable to Positive
Ratings dan pemberlakuan sistem Giro Wajib Minimum by Fitch Ratings and the application of BI’s Foreign Currency
(GWM) Averaging oleh BI, serta cenderung turunnya BI 7 Reserve Requirements, as well the falling BI 7 Day-Repo
Day-Repo Rate akan membuat likuiditas perbankan lebih Rate, will improve banking liquidity, with a more favorable
baik, dengan tingkat suku bunga yang semakin favourable interest rate to support the banking industry’s intermediary
untuk mendukung peran intermediari industri perbankan. role.

Berdasarkan proyeksi optimisme tersebut, Maybank Based on these optimistic projections, Maybank Indonesia
Indonesia meyakini dapat meraih peluang pertumbuhan is confident of achieving ever-notable growth opportunities.
semakin baik dari penerapan IRT, yang akah diikuti dengan We have identified a number of business strategies with
kinerja yang lebih baik. Kami telah mengidentifikasi the priorities of improving profitability of loans, revenue
sejumlah strategi usaha dengan prioritas pada peningkatan diversification, increased non-interest revenue and growth
profitabilitas penyaluran dana, diversifikasi pendapatan, of low-cost funds as well as improving the loan quality. We
peningkatan pendapatan non-bunga dan pertumbuhan dana will apply the four aspirational pillars of strategic policy to
murah. Kami akan menerapkan 4 pilar aspirasi kebijakan ensure the attainment of these goals.
strategis untuk memastikan pencapaian tujuan tersebut.

Bank akan terus memperluas dan memperkuat portofolio The Bank will continue to expand and strengthen its
bisnis korporasi yang mengalami perubahan haluan di corporate business portfolio which experienced a
tahun 2016. Perbankan CFS Non Ritel akan terus memimpin turnaround in 2016. CFS Non Retail Banking will continue
dengan fokus pada bisnis UKM yang terus menjadi kekuatan to be the leader with its focus on SME businesses which
inti Bank. Selain itu, kami mempertajam fokus bisnis continues to be a core strength for the Bank. In addition to
pada segmen ritel serta pengembangan produk ritel yang this, sharpening our business focus on the retail segment as
kompetitif akan menjadi prioritas utama. Pengetahuan well as development of competitive retail products will be a
tentang perilaku konsumen dan kreativitas akan menjadi key priority. Knowledge on consumer behavior and creativity
dasar dari pertumbuhan bisnis dan pengembangan produk will be the basis of our business growth and development
ritel kami di masa depan. Pertumbuhan pelanggan Bank, of our retail products in the future. The growth of Bank’s

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yang relatif kecil pada saat ini, menjadi fokus untuk semua customer base, which is relatively small at the moment, is a
segmen bisnis dan ditingkatkan melalui pertumbuhan focus for all the lines of business and intensified by growth
pelanggan ritel. in retail customers.

Dengan demikian, kami berharap dapat membangun With these, we hope we can build sustainable business
pertumbuhan bisnis yang berkelanjutan antara Bank dan growth between the Bank and customers through
nasabah melalui implementasi dan perbaikan produk dan implementations and refinements of our product and
layanan dalam memenuhi dan memberikan harapan yang services in meeting and exceeding customer expectations.
lebih bagi pelanggan. Kami optimis untuk mampu melewati We remain cautious as economic growth improvement in
tahun 2016 dengan baik dengan kinerja yang positif. Namun 2017 is expectd to be marginal. However, we were able to
demikian, kami tetap berhati-hati karena trend peningkatan pass year 2016 well with positive turnaround performances,
pertumbuhan ekonomi pada tahun 2017 diperkirakan pada and we are optimistic that we will be able to carry that
tingkat marginal. momentum through to the new year.

MENGEMBANGKAN HUMAN CAPITAL HUMAN CAPITAL DEVELOPMENT


Kami meyakini sumber daya manusia merupakan faktor We believe that human capital are a strategic factor in
strategis dalam mewujudkan visi menjadi relationship bank attaining our vision of becoming the most renowned
terkemuka di Indonesia dan karenanya berupaya mengelola relationship bank in Indonesia; as such, we direct the
SDM dengan baik melalui tahapan Maybank Human Capital development of our human resources carefully through
Strategy Map (Maybank HCSM). Kerangka pengelolaan the Maybank Human Capital Strategy Map (HCSM). The
sumber daya manusia di Bank bertumpu pada pengembangan framework of human capital management at the Bank
proses secara keseluruhan, mulai dari rekrutmen karyawan is based on a comprehensive development process:
(recruit right), pengembangan karyawan (develop right), recruit right, develop right, perform right, reward right.
pengelolaan kinerja karyawan (perform right), serta Implementation of these four processes is closely linked to
remunerasi karyawan (reward right).Implementasi keempat implementation of the Bank’s values (Teamwork, Integrity,
proses tersebut tidak terlepas dari penerapan nilai-nilai Growth, Excellence & Efficiency and Relationship Building or
Bank (Teamwork, Integrity, Growth, Excellence & Efficiency, TIGER) and the four pillars of Employee Value Proposition
dan Relationship Building –TIGER) serta 4 pilar Employee (Go Ahead. Grow, Go Ahead. Fly, Go Ahead. Create, and
Value Proposition (EVP) –Go Ahead. Grow, Go Ahead. Fly, Go Go Ahead. Care) as part of the Bank’s commitment to
Ahead, Create, dan Go Ahead. Care– sebagai wujud nyata atas prioritizing balance between work productivity and personal
komitmen Bank yang mengutamakan keseimbangan antara life – the work-life balance.
produktivitas kerja dan kehidupan personal karyawan (work-
life balance).

Kami menerapkan standar penilaian kinerja, menetapkan We set standards of performance assessment, apply a career
sistem jenjang karir dan memberikan paket remunerasi development system and offer fair remuneration packages
yang layak berdasarkan kinerja dan melaksanakan based on performance, as well as carrying out regular
employee engagement survey secara reguler sebagai sarana employee engagement surveys as a means of getting the
untuk mendapatkan umpan balik bagi perbaikan kualitas feedback for our Human Capital enhancement. To assess
pengelolaan SDM. Dalam hal penilaian kinerja karyawan, the performance of our employees, we always implement
kami selalu menerapkan kebijakan berdasarkan kompetensi the policy based on individual competence regardless of
individu tanpa memandang jenis kelamin, latar belakang gender, cultural background or other discriminative reasons.
budaya atau alasan diskriminatif lainnya. Untuk tahun In 2016, we carried out engagement activities focused on
2016 kami menetatpkan kegiatan engagement berfokus improving three working characteristics – Perform, Comply
pada peningkatan 3 karakter kerja (working character) yang and Accountable.
menjadi fokus Bank, yaitu Perform, Comply, dan Accountable.

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Kami secara rutin melakukan program rekrutmen SDM, We routinely carry out HC recruitment programs, and in
sehingga pada tahun 2016 Maybank Indonesia merekrut 2016 Maybank Indonesia recruited a number of employees,
sejumlah karyawan baik fresh graduates maupun profesional both fresh graduates and existing professionals, in order to
yang diperlukan untuk mendukung ekspansi bisnis. Sebagai support business expansion. Continuing the program from
kelanjutan program tahun sebelumnya, Maybank Indonesia the previous year, Maybank Indonesia managed to recruit
berhasil merekrut 72 peserta untuk mengikuti program 72 participants to its Management Development Program
MDP yang dibagi dalam 4 batch. Sebanyak 215 peserta (MDP), divided into four batches, while 215 participants
bergabung dalam program CSIP di tahun 2016 dan beberapa joined the Community Services Internship Program (CSIP),
diantaranya telah direkrut sebagai karyawan di Bank. Bank with a number subsequently hired as Maybank Indonesia
juga melanjutkan program GMAP yang terintegrasi dengan employees. The Bank also continued its Global Maybank
Grup Maybank dan berhasil merekrut 2 orang peserta Apprentice Program (GMAP), which is integrated with
GMAP dari ajang kompetensi Maybank Go Ahead Challenge Maybank Group, and succeeded in recruiting two participants
(MGAC). to GMAP from the Maybank Go Ahead Challenge (MGAC).

Secara keseluruhan Bank berkomitmen untuk memastikan Overall the Bank is committed to ensure its human capital
kualitas sumber daya manusia dan kemampuan yang terus qualities and capabilities are continuously strengthened in
diperkuat di tengah persaingan bisnis yang semakin agresif. the midst of increasingly aggressive business competition.
Hal ini didukung oleh perbaikan organisasi dan infrastruktur This is supported by refinements within our organization and
teknologi serta prosedur operasi standar (SOP) yang sesuai technology infrastructure as well as in standard operating
dengan praktik terbaik di industri. procedures (SOP) to match with industry’s best practices.

Kami juga senang mengumumkan bahwa pada 24 Januari We are also delighted to announce on 24 January 2017 we
2017 kami telah menandatangani Perjanjian Kerja Bersama have signed a new Collective Labor Agreement, of which
baru, yang negosiasi antara manajemen dan serikat buruh the negotiations between the management and labor union
telah diselesaikan pada bulan Desember 2016. Meskipun were completed in December 2016. Although there were
terdapat tantangan selama proses negosiasi, saya challenges during the negotiations process, I thanked both
mengucapkan terima kasih kepada seluruh pekerja dan the workers and management for coming to an agreement.
manajemen sehingga dapat meraih kesepakatan bersama. We hope the new agreement will create better working
Kami berharap perjanjian baru akan menciptakan kondisi conditions for all employees to excel.
kerja yang lebih baik bagi seluruh karyawan untuk terus
mencatat keunggulan.

TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE


Dalam rangka memperbaiki kualitas penerapan praktek- To improve the quality of implementation of best
praktek GCG terbaik di seluruh lapisan organisasi, kami GCG practices across all levels of the organization, we
secara konsisten melaksanakan program sosialisasi consistently carry out internal promotion programs
internal terhadap seluruh aturan yang berkaitan erat regarding regulations relating to governance, such as the
dengan tata kelola, seperti penerapan Pakta Integritas dan application of an Integrity Pact and enforcement of a code
penegakan kode etik dalam manjalankan seluruh tugas- of ethics applicable to all operational tasks. We devote our
tugas operasional. Kami memberi perhatian penuh pada full attention to efforts of ensuring integrity by maximizing
upaya penegakan integritas, dengan memaksimalkan peran direct supervision of operational duties by the Internal Audit
pengawasan langsung atas kewajaran pelaksanaan tugas Working Unit.
operasional yang dilaksanakan oleh Satuan Kerja Audit
Internal.

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Menghadapi kondisi usaha yang belum kondusif, kami Addressing the unfavorable business conditions, in 2016 we
meningkatkan kualitas implementasi manajemen risiko. stepped up the quality of risk management implementation.
Sebagai bagian dari upaya itu, kami berupaya meningkatkan As part of these efforts, we strove to improve and strengthen
dan memperkuat budaya risiko, dengan menyelenggarakan risk culture by launching a Risk Culture Survey to assess
Risk Culture Survey untuk mengukur prilaku dan budaya employee culture and behavior on risks. Subsequently, we
risiko karyawan dalam berorganisasi. Selain itu, kami also promoted a Conduct Risk module through DVD media
mensosialisasikan modul Conduct Risk melalui media DVD to all employees as a tool of learning and knowledge, with
ke seluruh karyawan sebagai sarana pembelajaran dan the aim of stressing the importance of ethical behavior in all
pengetahuan, untuk menekankan pentingnya menjaga activities and decision-making, and in support of effective
perilaku dalam bertindak, menjalankan aktivitas maupun risk management.
mengambil keputusan dengan tujuan untuk mendukung
manajemen risiko yang efektif.

Bank juga mengadakan Workshop Business Continuity The Bank also held a Business Continuity Management
Management Coordinator, sebagai bagian dari program Coordinator Workshop as part of a program promoting
kesadaran dan kewaspadaan dalam menghadapi awareness and vigilance over the possibility of natural
kemungkinan risiko bencana ataupun gangguan yang disasters or other disturbances liable to arise periodically.
dapat timbul sewaktu-waktu.

TANGGUNG JAWAB SOSIAL SOCIAL CORPORATE RESPONSIBILITY


PERUSAHAAN
Maybank mengembangkan empat pilar program tanggung Maybank Indonesia develops four pillar of social corporate
jawab sosial, yakni pendidikan, pemberdayaan masyarakat, responsibility, namely education, community empowerment,
kegiatan untuk mendukung hidup sehat dan lingkungan, activities in support of healthy life and the environment,
sebagai bagian dari upaya mewujudkan misi humanising as part of the mission of humanising financial services. A
financial service. Berbagai program CSR dalam 4 Pilar tersebut number of CSR program under these four pillars are applied
kini diaplikasikan di seluruh wilayah ekspansi cabang kami di in all areas of expansion in Indonesia and at the regional
Indonesia maupun di kawasan Regional. Realisasi berbagai level. Realization of these activities benefited no fewer than
kegiatan dalam rangkaian program CSR tersebut telah 20,405 recipients, including the following examples:
memberi manfaat bagi tidak kurang 20.405 penerimanya,
mencakup contoh berikut:
• Pelatihan Koperasi Wana Lestari Menoreh (KWLM) di • Training of Koperasi Wana Lestari Menoreh (KWLM)
Kawasan G. Merapi, membuat 1.080 orang anggotanya at Mt. Merapi, raising awareness among the 1,080
lebih mengerti tentang inklusi keuangan dan koperasi members of financial inclusion and environmental
yang berwawasan lingkungan. responsibility.
• Program pemberdayaan microfinance bersama Koperasi • A microfinance empowerment program with Koperasi
Mitra Dhuafa (Komida) sejak 2012 telah membuat Mitra Dhuafa (Komida) since 2012 has provided training
6.821 pengusaha mikro perempuan mendapatkan on entrepreneurship and market access to 6,821 micro
pelatihan kewira-usahaan dan akses pasar atas produk- business owners.
produknya.
• Program Maybank Women Eco Weavers, yang dimulai • The Maybank Women Eco Weavers program, which
sejak 2015 ditargetkan membuat 400 perempuan began in 2015, aims to provide training to 400 female
penenun pemula mendapatkan pelatihan teknik cloth dyers on dying techniques using natural dyes.
pewarnaan dengan pewarna alami.
• Program Reach Independence & Sustainable • The Reach Independence & Sustainable
Entrepreneurship (RISE), yang dimulai tahun 2016 Entrepreneurship (RISE) program, which began in
ditargetkan membuat 2.000 penyandang disabilitas 2016, aims to provide entrepreneurship training, from
mendapatkan pelatihan kewirausahaan dari para entrepreneurs, to 2,000 disabled people.
entreupreuners.
• Program Pemberdayaan Masyarakat Gianyar melalui • The Gianyar Community Empowerment program
Program CSR Maybank Bali Marathon membuat 25 through the Maybank Bali Marathon CSR Program

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sekolah dengan 4.112 siswa mendapatkan bantuan provides assistance to 25 schools with 4,112 students,
peningkatan pendidikan, selain 10 koperasi dengan as well as 10 cooperatives with 4,833 members, who
4.833 orang anggota mendapatkan akses pemasaran receive access to the market for their products.
produknya.
• Berbagai Program Beasiwa yang diselenggarakan, • A number of scholarship programs, such as the
seperti Maybank Foundation Scholarship, Pastoral Maybank Foundation Scholarship, Pastoral Care
Care Maybank Foundation Scholarship, Beasiswa Maybank Foundation Scholarship, the Indonesia
Institut Koperasi Indonesia (IKOPIN), Beasiswa Cooperative Scholarship Institute (IKOPIN), Employees
Prestasi Anak Karyawan dan Dukungan Beasiswa Children Scholarships and Supporting Scholarships for
SMA Muhammadiyah Bogor telah membuat tidak SMA Muhammadiyah Bogor, has allowed no fewer than
kurang 1.090 siswa dan mahasiswa berkesempatan 1,090 high-school and university students the chance
mendapatkan pendidikan yang lebih baik, bahkan for a better education, not excluding degree programs
hingga jenjang Sarjana dari perguruan tinggi terbaik di at some of Southeast Asia’s finest higher-education
Asia Tenggara. institutions.
• Program bantuan bencana di kawasan G Sinabung, G. • Disaster relief program at Mt. Sinabung and Mt. Merapi
Merapi dan sebagainya telah mampu membantu tidak and similar areas provided assistance to 10,000 local
kurang dari 10.000 warga penghuni sekitar. inhabitants.

Selain program-progam tersebut, kami juga menjalankan Besides these programs, we also offer other social and
program-program sosial kemasyarakatan lain, seperti community programs, such as the Books Together program
kegiatan Buka Bersama yang diikuti 1.150 anak yatim, extended to 1,150 orphans, and education on healthy living
maupun kegiatan edukasi hidup sehat yang diikuti oleh with the participation of thousands of participants from
ribuan orang peserta dalam dan luar negeri, seperti pada home and abroad, such as the Maybank Bali Marathon
penyelenggaraan Maybank Bali Marathon 2016, dan 2016 and the Global CRDay with the participation of 1,725
kegiatan Global CRDay yang diikuti oleh 1.725 karyawan. employees.

Kami tidak melupakan partisipasi pada upaya melestarikan We maintain our participation in efforts to preserve the
lingkungan dengan pelaksanaan program konservasi di environment, with conservation programs in Cigalontang,
lingkungan Cigalontang, Tasikmalaya, yakni pembangunan Tasikmalaya, involving construction of parks alongside
taman sekeliling lapangan SMPN Cigalontang, SMPN Cigalontang, creation of mangroves on shorelines
mangrovisasi kawasan pantai dan mengimplementasikan and implementation of environmentally friendly banking
kegiatan operasional perbankan ramah lingkungan. operations.

Maybank berkomitmen untuk terus merealisasikan Maybank Indonesia is committed to continuing its CSR
program tanggung jawab sosial melalui 4 pilar kegiatan programs through four pillars of activities as a means of
tersebut sebagai wujud partisipasi Bank dalam mendukung ensuring Bank participation in supporting global-scale
pencapaian berbagai tujuan pembangunan skala global development goals within the framework of the Sustainable
dalam kerangka Sustainable Development Goals yang Development Goals, which are supported by all the countries
didukung oleh seluruh negara di dunia. in the world.

PENILAIAN ATAS KINERJA KOMITE- PERFORMANCE ASSESSMENT OF


KOMITE YANG BERADA DI BAWAH COMMITEES UNDER THE BOARD OF
DIREKSI DIRECTORS
Dalam rangka menjalankan kegiatan operasional perbanan To assist in carrying out banking operational activities with
yang mengedepankan prinsip kehati-hatian, Direksi a focus on principles of prudence, the Board of Directors is
didukung oleh 6 komite di bawah Direksi yang bertugas supported by six committees tasked with providing a second
memberikan opini kedua, pada setiap bidang yang relevan opinion in each relevant area prior to decision-making. By

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sebelum diambil keputusan bersama mengenai suati obtaining this second opinion, the Board of Directors is
kebijakan operasional terkait. Dengan mendapatkan opini carrying out risk mitigation measures for each decision
kedua tersebut, Direksi telah menerapkan langkah-langkah made, ensuring sustained operations and mitigation of
mitigasi risiko pada setiap keputusan yang diambil, untuk potential risk.
memastikan keberlanjutan usaha yang aman dari potensi
risiko.

Ada enam Komite dibawah Direksi, yang menjalankan Six Committees are assigned under the Board of Directors
tugas pemberian saran atau opini kedua, sesuai dengan to offer input or second opinions in accordance with their
fungsinya, yakni: 1. Komite Manajemen Risiko; 2. Komite function. They are: 1. The Risk Management Committee; 2.
Aset & Liabilitas; 3. Komite Pengarah Teknologi Informasi; 4. The Assets and Liabilities Committee; 3. The IT Direction
Komite Audit Internal; 5. Komite Sumber Daya Manusia dan Committee; 4. The Internal Audit Committee; 5. The Human
6. Komite Impairment. Resources Committee; and 6. The Impairment Committee.

Dalam penilaian kami, seluruh anggota komite tersebut telah In our view, all members of these committees carry out their
menjalankan tugasnya dengan baik, melalui pemberian opini tasks well by offering insights, advice and opinions taking
kedua ataupun saran yang layak dipertimbangkan, sebelum into account all material facts and circumstances as well as
suatu keputusan yang bersifat taktis maupun strategis learning from the past decisions and actions.
diambil untuk kemudian dilaksanakan.

Namun demikian, seiring dengan kemajuan perusahaan, Nonetheless, we hope that in line with the Bank’s progress,
kami mengharapkan seluruh anggota komite senantiasa all Committee members will continually step up the
meningkatkan pengetahuan dan kompetensinya, sesuai knowledge and competency in accordance with each field to
bidangnya, agar saran, rekomendasi maupun pendapat yang achieve balanced recommendations, opinions and solutions,
disampaikan menjadi semakin berbobot dan senantiasa and provide evidence that can be held accountable.
berdasarkan kajian-kajian yang dapat dipertanggung
jawabkan.

PERUBAHAN SUSUNAN DIREKSI CHANGES TO THE COMPOSITION OF


THE BOARD OF DIRECTORS
Berdasarkan keputusan Rapat Umum Pemegang Saham Pursuant to the resolution of the Extraordinary General
Luar Biasa (RUPSLB) yang diselenggarakan tanggal 23 Meeting of Shareholders (EGMS) held on 23 December
Desember 2016, terdapat perubahan susunan anggota 2016, the composition of the Maybank Indonesia Board
Direksi Maybank Indonesia. RUPSLB telah menerima dan of Directors has undergone changes. The EGMS accepted
mengesahkan pengunduran diri Henky Sulistyo selaku and ratified the resignation of Henky Sulistyo as Director
Direktur terhitung efektif sejak tanggal 31 Desember 2016. effective as of 31 December 2016. The Bank expresses its
Bank menyampaikan penghargaan dan ucapan terima kasih appreciation for the hard work and service of Henky Sulistyo
atas pemikiran, kerja keras serta jasa Henky Sulistyo untuk toward Maybank Indonesia’s progress.
kemajuan Maybank Indonesia.

Dengan demikian, susunan anggota Direksi Maybank As such, the composition of the Board of Directors of
Indonesia per 31 Desember 2016 menjadi sebagai berikut: Maybank Indonesia as of 31 December 2016 is as follows:
· Taswin Zakaria sebagai Presiden Direktur · Taswin Zakaria as President Director
· Thilagavathy Nadason sebagai Direktur · Thilagavathy Nadason as Director
· Ghazali bin Mohd Rasad sebagai Direktur · Ghazali bin Mohd Rasad as Director
· Jenny Wiriyanto sebagai Direktur · Jenny Wiriyanto as Director
· Dhien Tjahajani sebagai Direktur Yang Membawahi · Dhien Tjahajani as Director in Charge of Compliance,
Fungsi Kepatuhan, Corporate Secretary dan Direktur Corporate Secretary and Independent Director
Independen
· Eri Budiono sebagai Direktur · Eri Budiono as Director
· Irvandi Ferizal sebagai Direktur · Irvandi Ferizal as Director

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PENUTUP CONCLUSION
Atas nama Direksi Maybank dan atas nama pribadi, saya Speaking both personally and on behalf of the Maybank
menyampaikan terima kasih yang setinggi-tingginya Indonesia Board of Directors, I would like to offer my most
kepada Dewan Komisaris atas arahan, bimbingan sekaligus sincere thanks to the Board of Commissioners for the
pengawasan yang dijalankan, yang memungkinkan kami direction, advice and supervision, allowing us, the Board
beserta jajaran Direksi lainnya mampu memimpin dan of Directors, to lead and manage Maybank Indonesia
mengelola Maybank Indonesia melewati tahun 2016 yang through a challenging 2016 with a notable performance
penuh tantangan dengan hasil kinerja yang membanggakan that demonstrates the increasing readiness of the Bank’s
yang juga menunjukkan semakin siapnya fondasi Bank foundations to anticipate future growth opportunities.
mengantisipasi peluang pertumbuhan di masa mendatang.

Kepada para pemegang saham, mitra dan nasabah kami, I also thank the shareholders and our clients for their
saya juga ingin mengucapkan terima kasih atas dukungan continued support and trust, which allows us to face the
dan kepercayaan yang diberikan sehingga kami kini bisa future in a spirit of optimism that with the support of all
menatap masa depan dengan rasa optimisme yang tinggi stakeholders we will achieve better results. I similarly thank
bahwa kami akan dapat meraih hasil yang lebih baik berkat all employees for their contributions and competence, which
dukungan seluruh pemangku kepentingan. Selanjutnya saya helped Maybank Indonesia navigate through a challenging
juga mengucapkan terimakasih kepada seluruh karyawan period.
yang telah memberikan kontribusi dengan segenap
kompetensi yang dimiliki dalam mengawal Maybank melalui
masa yang penuh tantangan.

Akhir kata kami mengajak seluruh jajaran untuk menjadikan To conclude, we invite all parties to make 2017 a “Year of
tahun 2017 sebagai ‘Tahun Kreativitas’ Maybank Indonesia Creativity” for Maybank Indonesia and together to reach
dan bersama-sama mengukir prestasi, menciptakan achievements and create quality, sustainable growth as we
pertumbuhan yang berkualitas dan berkelanjutan dimasa move forward.
mendatang.

Jakarta, Maret 2017


Atas nama Direksi | On Behalf of the Board of Directors of
PT Bank Maybank Indonesia Tbk

Taswin Zakaria
Presiden Direktur
President Director

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Direksi
Board of Directors

Thilagavathy Nadason Taswin Zakaria Ghazali bin Mohd Rasad Jenny Wiriyanto
Direktur Presiden Direktur Direktur Direktur
Director President Director Director Director

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Direksi
Board of Directors

Henky Sulistyo* Eri Budiono Dhien Tjahajani Irvandi Ferizal


Direktur Direktur Direktur Direktur
Director Director Director Director

*) Mengundurkan diri dari jabatan Direktur Maybank Indonesia pada RUPSLB 1 Desember 2016 dan efektif 31 Desember 2016 |
Resigned from the position of Director of Maybank Indonesia in the EGMS on December 1, 2016, effective as of December 31, 2016
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Board of Commissioners’ Report

“Maybank Indonesia mampu merespons dan


mengambil langkah-langkah dengan tepat
dalam menghadapi kondisi usaha di tahun
2016. Bank menerapkan strategi yang fokus
dalam menjaga pertumbuhan berkelanjutan
dan meningkatkan efisiensi operasional,
serta menjaga kualitas aset. Dan hasilnya
Bank mampu mencatat kenaikan laba bersih
tertinggi selama ini”
Maybank Indonesia took swift and adequate
measures in responding to business conditions
in 2016 and executed a focused strategy in
pursuing sustainable growth and enhancing
operational efficiency, whilst maintaining asset
quality, which resulted in the Bank recording the
highest ever net profit.

Tan Sri Dato’ Megat Zaharuddin bin Megat Mohd Nor


Presiden Komisaris
President Commissioner

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Board of Commissioners’ Report

Pemegang Saham yang Terhormat, Dear Respected Shareholders,


Beberapa peristiwa politik yang tidak terduga dan tantangan 2016 was a year of a few political surprises and economic
ekonomi mewarnai tahun 2016. Namun begitu, Maybank challenges but Maybank Indonesia tactically maneuvered
Indonesia mampu menyusun strategi dan taktik untuk through these market vagaries with a deep commitment to
menghadapi dengan baik situasi dan dinamika pasar growth and productivity, as reflected by its new record high
yang berubah-ubah dengan cepat. Hal ini dilandasi oleh performance.
komitmen yang kuat dari Maybank Indonesia terhadap
pertumbuhan dan produktivitas sebagaimana ditunjukkan
oleh keberhasilannya meraih catatan kinerja baru.

Sekilas Pandangan Ekonomi dan Perbankan Economic and Banking Review


Pasar dan perekonomian dunia menunjukkan reaksi yang In the face of significant political developments in the
berbeda-beda terhadap perkembangan politik di kawasan West, the impact on global economic growth and business
Barat pada tahun 2016. Ketika beberapa perekonomian maju performance was mixed in 2016. While some developed
berada pada posisi stagnan atau menurun, Indonesia justru markets experienced stagnant or downward growth,
memperlihatkan ketangguhannya menghadapi situasi global Indonesia showed strong resilience through various
yang dicapai melalui berbagai inisiatif reformasi. Didorong reforms. Indonesia’s GDP grew respectably by 5.02%, from
oleh belanja infrastruktur, langkah deregulasi, dan kebijakan 4.88% in the previous year, driven by higher infrastructure
moneter yang cermat, PDB Indonesia tumbuh sehat spending, deregulation measures and prudent monetary
sebesar 5,02% dari 4,88% pada tahun sebelumnya. Namun, policy. Nevertheless, continuous market volatility and
volatilitas dan ketidakpastian pasar tetap mempengaruhi qualms weighed down on certain sectors during the year
beberapa sektor usaha termasuk perbankan. and Indonesia’s banking sector was no exception to this.

Kinerja Usaha Performance Review


Menimbang situasi di atas, Maybank Indonesia mengambil In view of these conditions, Maybank Indonesia took swift
langkah cepat dan tepat yaitu melaksanakan strategi and adequate measures and executed a focused strategy
dengan fokus pada pertumbuhan berkelanjutan, efisiensi in pursuing sustainable growth and enhancing operational
operasional, dan kualitas aset. efficiency, whilst maintaining asset quality.

Sebagai hasilnya, Maybank Indonesia berhasil meraih This has resulted in the Bank recording the highest ever net
pencapaian baru laba bersih senilai Rp1,9 triliun pada tahun profit of Rp1.9 trillion in 2016, an outstanding increase of
2016 dan mencatat kenaikan yang membanggakan sebesar 71.0% compared to the previous period. The outstanding
71,0% dibandingkan periode sebelumnya. Pertumbuhan profitability was achieved on the back of sound net interest
ini diiringi kenaikan pendapatan bunga bersih, tingkat income growth, better provisioning levels as well as
pencadangan yang lebih baik, dan pengelolaan biaya yang controlled cost management which led to the lowest ever
efektif sehingga rasio biaya terhadap pendapatan pun cost-to-income ratio of 52.02%.
mencapai tingkat terendah pada 52,02%.

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Laporan Dewan Komisaris


Board of Commissioners’ Report

Dalam hal layanan perbankan, Maybank Indonesia berfokus At the same time, the Bank’s emphasis on providing
pada penyediaan solusi yang benar-benar dapat menjawab customized solutions to address the growing needs of our
kebutuhan berbagai segmen nasabah. Sejalan dengan different customer segments augured well in 2016, amid
pencapaian di atas, fokus yang dijalankan di tengah tight economic conditions. Sharia banking continued to
ketatnya kondisi perekonomian ini turut memberikan hasil move at an accelerated pace, now constituting approximately
menjanjikan pada 2016. Perbankan syariah berkembang 13.9% of the Bank’s total assets. Meanwhile, the Bank’s SME
pesat dan kini memiliki pangsa 13,9% dari total aset Bank. and commercial loans saw a 12.3% growth, in line with the
Selain itu, pembiayaan komersial dari segmen UKM tumbuh Indonesian government’s determination to push the growth
12,3% seiring dengan komitmen pemerintah Indonesia of SMEs.
terhadap segmen ini.

Maybank Indonesia juga mencatat pertumbuhan dana pihak Third-party funds also charted growth to support funding
ketiga untuk mendukung kondisi pendanaan dan likuiditas. and liquidity. This has enabled the Bank to increase its capital
Bank pun mampu menaikkan rasio kecukupan modal ke adequacy ratio to 16.77% from 15.17% in the previous
16,77% dari 15,17% pada tahun sebelumnya. Peningkatan year, strengthened by the issuance of the Rp800 billion
ini juga didukung oleh penerbitan obligasi subordinasi subordinated bonds and Rp700 billion Sukuk Mudharabah
senilai Rp800 miiliar dan Sukuk Mudharabah senilai Rp700 in 2016.
miliar pada tahun 2016.

Pandangan terhadap kinerja Direksi Board of Directors’ Performance Assessment


Prestasi yang diraih Maybank Indonesia pada tahun 2016 Maybank Indonesia’s outstanding performance in 2016
adalah bukti kompetensi dan komitmen Direksi terhadap is a testament of the Board of Directors’ competence and
strategi jangka panjang Bank untuk menciptakan nilai commitment to the Bank’s long-term strategy of creating
kepada pemangku kepentingan. Sebagaimana disampaikan value for the stakeholders. As noted in the Board of Directors’
dalam laporan Direksi, meski menghadapi kondisi usaha report, despite the challenging business conditions, the
yang menantang, Bank tetap mampu memenuhi sebagian Bank was able to successfully achieve most key targets in
besar target kinerjanya untuk 2016. Kami percaya bahwa 2016. We are thus confident that the Board of Directors
Direksi akan terus mendayagunakan landasan pertumbuhan will continue leveraging on this solid foundation to advance
yang kuat untuk melangkah maju di masa mendatang. further in the future.

Pengarahan kepada Direksi Advisory to the Board of Directors


Pada tahun 2016 dan sesuai dengan peraturan perbankan Maybank Indonesia held 10 joint meetings in 2016, in line
Maybank Indonesia melaksanakan 10 kali rapat bersama with banking regulations.
Dewan Komisaris dan Direksi.

Tata Kelola Corporate Governance


Melanjutkan upaya yang sudah dibangun pada tahun-tahun As in previous years, we continued to promote a corporate
sebelumnya, pada tahun 2016 kami terus mengomunikasikan value centred around Good Corporate Governance (GCG)
nilai-nilai perusahaan yang berpusat pada prinsip tata kelola principles, building a critical foundation for the Bank to
yang baik (GCG). Melalui upaya ini, kami membangun achieve sustainable growth in the future. The Board of
fondasi yang dibutuhkan Bank untuk mencapai pertumbuhan Commissioners commends the efforts made by the Board
berkelanjutan di masa mendatang. Dewan Komisaris of Directors that has led to the Bank receiving “The Best
mengapreasiasi kerja keras dan komitmen Direksi terhadap Corporate Governance in Financial Sector” award from the
GCG—upaya yang membuahkan pengakuan “The Best Indonesian Institute for Corporate Directorship (IICD) in
Corporate Governance in Financial Sector” dari Indonesian 2016.
Institute for Corporate Directorship (IICD) di tahun 2016.

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Laporan Dewan Komisaris


Board of Commissioners’ Report

Menelaah Kinerja Komite Committees Assessment


Sebagai bagian dari komitmen kami untuk terus The Board of Commissioners’ commitment to improve
meningkatkan kualitas tata kelola, kami juga harus corporate governance also includes ensuring the quality
memastikan kualitas dan kompetensi komite-komite di and competency of the committees under the Board of
bawah Dewan Komisaris. Kami melihat semua komite telah Commissioners’ purview. We believe they have carried out
melaksanakan tanggung jawabnya masing-masing dengan their respective mandates effectively and provided collective
baik dan, secara bersama-sama, membantu memandu Bank stewardship in helping the Bank to overcome turbulent
melewati masa-masa yang menantang. Kami yakin, semua times. Without doubt, the committees will continue to
komite akan terus memberikan dukungan yang optimal provide optimal support for the Board of Commissioners to
terhadap pelaksanaan tanggung jawab Dewan Komisaris. carry out our duties and functions in the future.

Perubahan Komposisi Dewan Komisaris Changes to the Composition of the Board of


Komposisi Dewan Komisaris tidak mengalami perubahan Commissioners
pada tahun 2016. There were no changes in the composition of Board of
Commissioners in 2016.

Perkembangan Sumber Daya Manusia Human Capital Development


Kelanjutan Bank turut ditentukan oleh mutu sumber daya The Bank’s sustainability is also dependent on the quality
manusia yang dimilikinya. Sebab itulah, pengembangan of its workforce and therefore, developing talents remain a
sumber daya manusia senantiasa menjadi prioritas bagi priority of Maybank Indonesia. Cultivating the right culture
Maybank Indonesia. Membentuk budaya kerja dan lingkungan and environment is imperative in nurturing an ambitious,
yang tepat sangat penting untuk dapat membina sumber able and cohesive talent pool that will lead to better
daya manusia yang ingin meraih prestasi terbaik, kompeten, value creation for all our customers and stakeholders. In
dan padu. Merekalah yang akan menciptakan nilai untuk this regard, Maybank Group’s global wide presence in 20
semua nasabah dan pemangku kepentingan. Sejalan dengan countries gives Maybank Indonesia the added advantage
hal ini, kehadiran Maybank Group secara global di 20 negara in collaborating and leveraging on Maybank Group’s
menjadi keunggulan tersendiri bagi Maybank Indonesia. subsidiaries and associates in carrying out impactful training
Bank dapat bekerja sama dan memanfaatkan anak-anak programs, including the International Assignment program,
usaha dan perusahaan asosiasi Maybank Group dalam hal allowing talents to hasten their personal and professional
program pelatihan, termasuk penugasan internasional, development.
sehingga memungkinkan karyawan mempercepat langkah
pengembangan pribadi dan profesionalnya.

Tanggung Jawab Sosial Perusahaan Social Corporate Responsibility


Pertumbuhan berkelanjutan Maybank Indonesia berpijak Maybank Indonesia’s sustainability growth is reinforced by
pada inisiatif tanggung jawab perusahaan (CR) yang its Corporate Responsibility (CR) initiatives. In addition to
dijalankannya. Setiap tahun, Maybank Indonesia dan Maybank Group’s CR day, where Maybankers volunteer to
Maybank Group merayakan CR Day. Pada hari itu, para relawan share and contribute directly to local communities, the Bank
yang merupakan pegawai Maybank turut berkontribusi has undertaken various key initiatives last year. The Board of
langsung kepada masyarakat setempat. Tak hanya itu, pada Commissioners acknowledges the fundamental changes the
tahun 2016 Bank juga telah melaksanakan berbagai inisiatif Bank has made by collaborating with Maybank Foundation,

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Board of Commissioners’ Report

kunci. Dewan Komisaris melihat terjadi suatu perubahan Maybank Group’s CR vehicle, in implementing programs that
mendasar dalam pelaksanaan CR, yaitu dengan diawalinya are tailored based on the needs of its communities. In 2016
kolaborasi Bank dengan Maybank Foundation—lembaga CR alone, the Bank’s programs have aided more than 17,069
Maybank Group—untuk melaksanakan program tanggung beneficiaries and have been successful at not only building
jawab perusahaan. Program CR didesain khusus sesuai goodwill within our communities but also in promoting
dengan kebutuhan setiap kelompok sasaran. Pada tahun financial independence and inclusion.
2016, program Bank ini telah menjangkau sebanyak 17.069
penerima manfaat. Tidak hanya berhasil membangun
hubungan baik dengan masyarakat, kami menilai program
ini juga berhasil menyuarakan kemandiran dan inklusi
keuangan.

Pandangan ke depan Business Prospects in 2017


Perekonomian global pada tahun 2017 diharapkan tumbuh This year, the global economy is expected to grow modestly
sekitar 3,0% hingga 3,2%, sementara pertumbuhan in the range of 3.0% - 3.2%, though the outlook for Indonesia
Indonesia mendapatkan proyeksi yang lebih optimis di is more optimistic with forecasted growth around 5.1%. The
kisaran 5,1%. Persaingan usaha akan semakin ketat, tetapi business environment will undoubtedly remain competitive,
kami yakin akan kekuatan fundamental keuangan Maybank but we are confident that Maybank Indonesia’s proven
Indonesia dan kemampuan Bank untuk mendukung berbagai financial strength and capabilities will enable it to support
proyek pembangunan pemerintah yang akan berkontribusi the government’s various economic development projects in
bagi pertumbuhan ekonomi bangsa. contributing to the nation’s economic growth.

Pengawasan atas Rencana Bisnis Bank Supervision of Bank Business Plans


Rencana bisnis bank sebagaimana disampaikan oleh In our view, the business plan presented by the Board
Direksi sudah mencerminkan tantangan lingkungan bisnis of Directors, which reflected the uncertain operating
yang memang diperkirakan akan terus berlangsung. Kami environment that is expected to persist, is aspirational but
memandang rencana bisnis ini cukup ambisius, namun achievable. The Board of Directors has proven its ability to
tetap bisa dicapai. Direksi sendiri telah membuktikan maintain high performance levels as well as adapt to the
kemampuannya menjaga tingkat kinerja yang tinggi sembari economic challenges last year. Furthermore, the business
menghadapi tantangan ekonomi tahun lalu. Selain itu, plan’s emphasis on streamlining the Bank’s businesses and
fokus rencana bisnis pada bisnis Bank yang lebih ramping leveraging on the synergies of Maybank Group companies
dan pemanfaatan sinergi dengan Maybank Group akan will continue to extract value for the Bank’s stakeholders
diteruskan untuk dapat menciptakan nilai bagi pemangku and set it apart from its competitors.
kepentingan sekaligus membedakan Bank dari pesaing.

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Laporan Dewan Komisaris


Board of Commissioners’ Report

Apresiasi Appreciation
Akhir kata, atas nama Dewan Komisaris, kamis sampaikan In closing, on behalf of the Board of Commissioners, we
terima kasih kami yang mendalam kepada Direksi, nasabah, would like to express our gratitude to the Board of Directors,
karyawan, pihak otoritas, pemegang saham, dan pemangku customers, employees, authorities, shareholders and
kepentingan untuk dukungan dan kepercayaan mereka stakeholders for their continued support and confidence in
terhadap Maybank Indonesia. Kami percaya Maybank Maybank Indonesia. We believe Maybank Indonesia is on
Indonesia kini memilki fondasi yang lebih kukuh untuk dapat a firmer footing to cater to our customers’ unique needs,
menjawab kebutuhan semua nasabah—suatu pencapaian an accomplishment that will definitely support the Bank’s
yang jelas akan memungkinkan Bank meraih pertumbuhan sustainable growth in the future.
berkelanjutan di masa mendatang.

Sebelum mengakhiri laporan ini, izinkan saya menyampaikan Before I end, I would like to take this opportunity to inform
bahwa saya akan menutup masa bakti sebagai Presiden you that I will be stepping down as President Commissioner
Komisaris efektif pada 31 Maret 2017. Selama tujuh tahun effective 31 March 2017. It has been an honour and privilege
terakhir, Maybank Indonesia telah memberikan saya to serve as the President Commissioner for the last seven
kehormatan dan keistimewaan untuk melayani semua years, during which I have seen the Bank transitioning
pemangku kepentingan sebagai Presiden Komisaris. from strength to strength. I am confident that the Bank will
Selama itu pula saya melihat perjalanan Bank ini yang terus continue creating value in the years ahead and play a bigger
bertumbuh dari waktu ke waktu. Saya percaya, Maybank role in supporting Indonesia’s economic progress.
Indonesia tidak akan berhenti mencipta nilai dan berperan
lebih besar dalam kemajuan perekonomian Indonesia.

Jakarta, Maret 2017


Atas nama Dewan Komisaris | On Behalf of the Board of Commissioners
PT Bank Maybank Indonesia Tbk

Tan Sri Dato’ Megat Zaharuddin bin Megat Mohd Nor


Presiden Komisaris
President Commissioner

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Dewan Komisaris
Board of Commissioners

Datuk Abdul Farid Bin Alias Tan Sri Dato’ Megat Zaharuddin bin Megat Mohd Nor Spencer Lee Tien Chye
Komisaris Presiden Komisaris Komisaris
Commissioner President Commissioner Commissioner

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Dewan Komisaris
Board of Commissioners

Umar Juoro Budhi Dyah Sitawati Achjar Iljas


Komisaris Independen Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner Independent Commissioner

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Laporan Dewan Pengawas Syariah


Report from the Shariah Supervisory Board

Maybank Indonesia akan


terus menerapkan Strategi
‘Shariah First’ yang telah
diterapkan sejak Mei 2014 dan
terbukti berhasil mempercepat
pertumbuhan Maybank
Indonesia UUS serta turut
membantu pertumbuhan
industri perbankan Syariah.

The ‘Shariah First’ strategy that started


in May 2014 has remained relevant
for Maybank Indonesia. It has proven
effective in propelling the growth of
Maybank Indonesia UUS and contributed
to stimulating Shariah banking industry in
general.

M. Anwar Ibrahim
Ketua
Chairman

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Laporan Dewan Pengawas Syariah


Report from the Shariah Supervisory Board

Bismillahirrahmanirrahim Bismillahirrahmanirrahim
Assalamu’alaikum Wr. Wb. Assalamu’alaikum Wr. Wb.

Segala puji bagi Allah SWT atas nikmat dan karunianya yang Praise to Allah and the blessings and joys bestowed upon
dianugerahkan kepada kita. Shalawat dan Salam senantiasa us. Shalawat and Salam abundantly to Prophet Muhammad
melimpah bagi Nabi Muhammad SAW. SAW.

Pada tahun 2016, PT Bank Maybank Indonesia Tbk – Unit PT Bank Maybank Indonesia Tbk – Shariah Business Unit
Usaha Syariah (MBI UUS) tetap menjalankan program- (MBI UUS) continued its programs in 2016, which had been
program yang terbukti memberikan hasil serta telah proven effective to bring about positive results. Maybank
menerapkan beberapa inisiatif baru untuk memperkuat Tata UUS also carried out a number of initiatives to strengthen
Kelola Syariah dan juga investasi dalam rangka mempertajam Shariah governance and investments to better define its
‘positioning’ Maybank UUS. positioning.

Bank akan terus menerapkan Strategi ‘Shariah First’ yang The ‘Shariah First’ strategy that started in May 2014 has
telah diterapkan sejak Mei 2014 dengan mengedepankan remained relevant for the Bank. This strategy, designed to
penawaran produk-produk Syariah kepada semua Nasabah accelerate the growth of MBI UUS and stimulate the Shariah
Maybank Indonesia untuk mempercepat pertumbuhan banking industry at large, has brought Shariah products and
MBI UUS dan membantu pertumbuhan industri perbankan services to the centre of the Bank’s offerings to all Maybank
Syariah. Indonesia customers.

Alhamdulillah, dengan peluncuran produk-produk inovatif, Alhamdulillah, by launching innovative products and by
dan peran aktif dalam menggarap Nasabah segmen actively engaging corporate customers, blue chip companies
korporasi, perusahaan-perusahaan Blue Chip termasuk including SOEs, and customers in the commercial segment,
BUMN, dan segmen komersial, MBI UUS telah berhasil MBI UUS generated significant contribution to growth
memberikan andil signifikan terhadap pertumbuhan aset, across assets, financing, third party funds, and revenues.
pembiayaan, Dana Pihak Ketiga (DPK), dan pendapatan.

Dalam upaya menyempurnakan penerapan strategi ‘Shariah Continuously improving the execution of ‘Shariah First’
First’, Maybank UUS terus berupaya untuk meningkatkan strategy, Maybank UUS also focused on expanding the skills
pengetahuan dan kemampuan sumber daya manusia di and knowledge of its employees. Shariah banking education
bidang perbankan Syariah, salah satunya melalui program programs have been delivered to all Maybank employees
sosialisasi dan edukasi perbankan Syariah kepada seluruh through Shariah Business School Online Training that
karyawan Maybank melalui Shariah Business School Online includes an e-learning module on the Foundation of Shariah
Training dengan meluncurkan modul e-learning Foundation Banking and launched in 2013, e-learning Comprehension of
of Shariah Banking pada 2013, e-learning Comprehension Shariah Banking that was launched in 2014, and e-learning
of Shariah Banking pada 2014, dan e-learning Mastering Mastering Products of Shariah Banking launched 2015 in
Products of Shariah Banking pada tahun 2015 dan in class addition to in-class training. Collaborating with Human
training. Sebagai upaya berkelanjutan, Maybank UUS bekerja Capital (HC), Maybank UUS monitors Shariah e-learning
sama dengan Human Capital (HC) untuk terus memantau process especially for employees that are required to take
pemenuhan pelaksanaan e-learning Shariah bagi Karyawan Shariah training as part of on-going improvement efforts.
yang diwajibkan.

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Dewan Pengawas Syariah (DPS) MBI UUS telah menjalankan In terms of our oversight on new products and services,
fungsi, tugas dan tanggung jawabnya dalam melakukan MBI UUS Shariah Supervisory Board (SSB) has performed
pengawasan terhadap proses pengembangan produk baru activities within its scope of function, roles, and
dan aktivitas kegiatan, melakukan pemeriksaan (shariah responsibilities. The SSB has conducted Shariah review
review) dengan melakukan branch visit, pemeriksaan through branch visit, examined sampled transactions,
sampel transaksi, serta pemberian opini terhadap produk and released its opinions on new products, funding, and
baru maupun aktivitas kegiatan penghimpunan dana dan lending activities. SSB opinions were deliberated based on
penyaluran dana yang didasarkan pada prinsip kehati- prudential principle, Shariah principle, and the basic tenets
hatian dan prinsip Syariah serta tata kelola perusahaan of corporate governance – transparency, accountability,
yang baik dengan selalu menerapkan prinsip keterbukaan, responsibility, independency, and fairness.
akuntabilitas, pertanggungjawaban, independensi dan
kewajaran.

DPS berpendapat bahwa secara umum aktivitas MBI UUS The SSB views that the overall activities of MBI UUS
telah sesuai dengan fatwa Dewan Syariah Nasional – Majelis conform with the fatwa issued by National Shariah Board
Ulama Indonesia (DSN-MUI) dan opini DPS serta ketentuan of the Indonesian Ulema Council (DSN-MUI), SSB opinions,
terkait lainnya. and other related regulations.

Akhir kata, kami menyampaikan penghargaan kepada To conclude, we would like to express our appreciation to
Manajemen atas pencapaian kinerja MBI UUS pada 2016. the Management for the achievements of MBI UUS in 2016.
Semoga Allah SWT senantiasa menjaga kita semua dalam May the protection of Allay SWT be with us all and we wish
menjalankan kegiatan perbankan Syariah, sehingga kita bisa for continued success of Shariah banking in the years ahead.
lebih sukses di tahun-tahun berikutnya.

Wassalamu’alaikum Wr. Wb. Wassalamu’alaikum Wr. Wb.

Atas nama Dewan Pengawas Syariah


On behalf of the Shariah Supervisory Board,

DR. H.M. Anwar Ibrahim, MA


Ketua
Chairman

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Highlights Management Reports Company Profile Management Discussion & Analysis

Strategi Pengembangan Usaha


Business Development Strategy

Untuk mendukung rencana pertumbuhan yang In order to support plans for sustained business growth, the
berkelanjutan, Bank akan terus melanjutkan program Bank will continue the transformation program both at head
transformasi Maybank Indonesia baik di kantor pusat office and offices at regional and branch level. Management
maupun di tingkat wilayah dan cabang. Bank akan fokus will position the Bank to focus on banking product and
terhadap inovasi produk dan jasa perbankan serta service innovation and boost relations with customers in
meningkatkan hubungan dengan nasabah di masa the future, with this positions serving as the basic strategic
mendatang dan posisi ini menjadi fondasi dasar strategi foundation for the Bank’s future growth strategy.
pertumbuhan Bank ke depan.

Fokus Strategi 2016 Strategy Focus 2016


Mempertimbangkan prospek perekonomian dan faktor Balancing economic prospects and risk factors to be
risiko yang dihadapi, faktor-faktor yang mempengaruhi encountered, factors that influence Bank business
pengembangan bisnis Bank, termasuk kesiapan sumber daya developing, including development of human capital
maupun infrastrukur yang telah dimiliki Bank, maka pada and infrastructure possessed by the Bank, in 2016 Bank
tahun 2016 Manajemen Bank tetap berfokus pada berbagai Management will retain a focus on a number of operational
inisiatif strategis operasional, yaitu: strategic initiatives, including:
1. Memperdalam Implementasi Indonesia Regional 1. Deepening implementation of the Indonesia
Transformation (IRT) untuk mendorong penetrasi Regional Transformation (IRT) to drive regional office
kantor wilayah dan peningkatan produktivitas kantor penetration and boost branch office productivity
cabang, melalui: through:
· Penyelarasan pengembangan cabang regional · Alignment of regional branch development with
dengan potensi ekonomi regional. regional economic potential.
· Meningkatkan cakupan usaha dan produktivitas · Increasing the business scope and productivity of
cabang regional melalui peningkatan penetrasi regional branches through increased penetration
terhadap potensi bisnis dan mitigasi risiko di of business potential and risk mitigation at the
tingkat regional. regional level.
· Memperkuat pemberdayaan Kantor Cabang dan · Empowering Regional and Branch Offices to
Regional untuk layanan perbankan terbaik dan offer the best banking services and support
mendukung pengembangan komunitas bisnis development of the local business community
maupun masyarakat setempat. and general community.
2. Pertumbuhan kredit melalui strategi pemanfaatan 2. Loans growth through an efficient capital usage
modal secara efisien. Pengembangan basis Nasabah strategy. Development of Corporate Customers base
Korporasi akan difokuskan pada akusisi dan will be focusing on customers acquisition and large
pengembangan nasabah korporasi skala besar dan scale, including State-Owned Enterprises corporate
Badan Usaha Milik Negara (BUMN). customers enhancement.
3. Pertumbuhan CASA (Current Account Saving Account) 3. Focus on CASA (Current Account Saving Account)
melalui strategi: through the following strategies:
• Memperkuat kordinasi antar lini bisnis dalam · Strengthening inter business lines coordination
menawarkan solusi perbankan yang lengkap. in proposing comprehensive banking solution.
• Solusi keuangan terpadu bagi industri cash rich · Focus on financing for cash-rich industries with a
dengan pendekatan komunitas seperti pada community approach, such as education, health
sektor pendidikan, kesehatan, pariwisata. and tourism.
• Solusi manajemen keuangan dan virtual account · Financial management solution and virtual
bagi institusi manajemen properti dan asuransi. account for property and insurance management
• Meningkatkan penetrasi tabungan payroll institutions.
· Increased penetration of payroll savings
4. Akselerasi Pertumbuhan Fee Income melalui 4. Acceleration of Fee-Based Income through
diversifikasi produk, meliputi bancassurance, diversification of products, covering banacassurance,
Transaction Banking , E-channel dan Treasury. Transaction Banking, E-channel and Treasury.

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Strategi Pengembangan Usaha


Business Development Strategy

5. Operational Excellence (keunggulan Operasional 5. Operational Excellence in order to boost Productivity


untuk meningkatkan produktivitas dan efisiensi usaha. and Efficiency. In addition to high quality services,
Selain layanan berkualitas tinggi, inovasi produk, product innovation and regional connectivity, the
dan koneksitas regional, penyederhanaan proses simplification of process becomes one of the Bank
merupakan salah satu pilar Bank yang diharapkan pillars that expected to be a competitive advantages.
dapat menjadi keunggulan kompetitif.
6. Penyempurnaan dan pengembangan Digital Banking 6. Updating and development of Digital Banking to
untuk mendorong peningkatan akuisisi nasabah enhance customer acquisition and enrich customers
dan memperkaya pengalaman nasabah dalam experience in using the Bank’s products and services.
menggunakan produk dan layanan bank.

Hasil – hasil yang dicapai di tahun 2016 Results in 2016


Maybank Indonesia berhasil merespons dengan baik kondisi Maybank Indonesia successfully responded to the
usaha dan perekenomian yang belum kondusif sepanjang unfavorable business and economic condition throughout
tahun 2016. Dengan strategi pasar yang fokus, menjaga 2016. With focused market strategy, maintaining assets
kualitas aset dan peningkatan efisiensi operasional yang quality and improvement of sustainable operational
berkelanjutan, laba perusahaan kembali tumbuh signifikan efficiency, The Bank’s profits again grew significantly, with
dengan neraca dan likuiditas yang semakin kuat. Kinerja strong balance and liquidity. This strong performance was
yang kuat tersebut ditunjukkan oleh peningkatan Majin shown in the increased net interest margin (NIM), a good
Bunga Bersih (NIM), tingkat pendapatan fee based yang level of fee-based income, improved liquidity and impressive
baik, likuiditas yang terkelola dengan baik dan pertumbuhan Sharia banking achievements, as well as controlled fees.
perbankan Syariah yang impresif serta disiplin dalam
pengendalian biaya.

Neraca semakin kuat yang ditunjukkan oleh pertumbuhan The strengthening balance sheet was demonstrated by
Aset menjadi Rp166,7 triliun dan tumbuh 5,7% dari tahun asset growth to Rp 166.7 trillion and growth of 5.7% from
sebelumnya. Pertumbuhan kredit dengan kualitas aset yang the previous year. The loan growth with well-maintained
terjaga dengan sangat baik terjadi di lini utama Community asset quality was seen in the Community Financial Services
Financial Services terutama pada segmen Perbankan business line, especially in the CFS Non Retail Banking
CFS Non Ritel, serta pertumbuhan Perbankan Global Segment, and Global Banking growth, which carried out
yang menunjukkan upaya penataan kembali (re-profiling) re-profiling and re-aligning of business with risk appetite
portofolio dalam menyelaras kembali (re-aligning) bisnis provided encouraging results through boosting the quality
dengan risk appetite telah mulai menunjukkan hasil yang corporate credit portfolio with State-Owned Enterprises.
menggembirakan melalui peningkatan portofolio kredit
korporasi yang berkualitas dari kelompok usaha Badan
Usaha Milik Negara (BUMN).

Posisi likuiditas Bank terkelola dengan baik dan simpanan The Bank’s liquidity position is now stronger, with customer
nasabah meningkat menjadi Rp118,9 triliun dan posisi savings increasing to Rp 118.9 trillion, supporting the Loan
Loan to funding ratio (LFR) tetap sehat di level rasio 89,72%. to Funding Ratio (LFR), which stayed healthy at a level of
Aset Usaha Unit Syariah (UUS) tumbuh 45,3% dari Rp16,0 89.72%. Sharia Business Unit (UUS) assets grew 45.3%
triliun menjadi Rp23,2 triliun dan kontribusinya telah from Rp 16,0 trillion to Rp 23.2 trillion. UUS asset position
mencapai 14% dari total aset Maybank Indonesia. Posisi aset remains at a level 5 rating for total Sharia Banking Industry
UUS berada pada peringkat 5 untuk total aset di Industri assets and level 1 in the Sharia Business Unit Industry in
Perbankan Syariah dan peringkat 1 di Industri Unit Usaha December 2016. The Bank’s asset quality again improved
Syariah posisi Desember 2016. Kualitas aset Bank membaik with NPL Gross and NPL Net respectively at 3.42% and
dengan NPL gross dan NPL net masing-masing sebesar 2.28%, as a result of recovery efforts carried out consistently
3,42% dan 2,28% sebagai hasil pengelolaan kualitas aktiva among debtors across all business lines.
produktif yang dilakukan secara konsisten pada debitur di
semua lini usaha.

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Highlights Management Reports Company Profile Management Discussion & Analysis

Strategi Pengembangan Usaha


Business Development Strategy

Pencapaian kinerja bisnis di atas diiringi dengan pencapaian These business performance results were accompanied by
inisiatif penting lainnya sebagai berikut: important initiatives, as follows:
1. Indonesia Regional Transformation (IRT) 1. Indonesia Regional Transformation (IRT)
Melalui program IRT, jumlah kantor wilayah telah Through IRT program, total regional offices has been
dirampingkan menjadi 9 kantor wilayah dari yang semula streamlined to 9 regional offices from previous 12
12 kantor wilayah serta telah dilakukan perubahan regional offices, and has been restructured with bigger
struktur dan pemberian wewenang yang lebih besar authorities in the regional levels so as to accelerate
pada tingkat wilayah agar dapat lebih cepat mengambil decision making process in their regions. The
keputusan bisnis di wilayahnya. Produktivitas kantor productivity of regional offices and branches have been
wilayah dan cabang meningkat dan telah dilakukan increased and low productivity branch offices have
penutupan kantor cabang yang produktivitasnya been closed. As part of IRT implementation, all regional
rendah. Sebagai bagian dari implementasi IRT, seluruh heads have had their titles changed to Regional Director.
jabatan kepala kantor wilayah kini telah berubah nama Regional Directors have greater authority as regards to
menjadi Regional Director. Regional Director memiliki credit, recruitment and financing to drive management
wewenang lebih dalam hal kredit, rekrutmen, dan of Business Banking, Retail Banking, Operations and
pembiayaan untuk mendorong dan mengelola kegiatan Risk in each region.
Perbankan Bisnis, Perbankan Ritel, Operasional dan
Risiko di wilayah masing-masing.

2. Streamline end to end process 2. Streamlined end to end process


Inisiatif untuk mempersingkat waktu proses aplikasi This initiative to cut down on SME loan application
pinjaman memberi kontribusi pada peningkatan time proved to contribute to boosting Bank revenue.
pendapatan Bank. Inisiatif ini juga diterapkan pada This initiative was also applied at Global Banking by
Perbankan Global dengan menanamkan struktur dan sharpening structure and discipline among front-liners
disiplin di antara para front-liners untuk mencatat in order to record all sales activities through client visit
seluruh kegiatan penjualan melalui client visit plan dan plans and call reports.
call report.

3. Cash dan Global Market (FX) Trade Cross Selling 3. Cash and Trade Cross Selling
Bank terus mengintensifkan inisiatif cross selling ini, The Bank continually intensifies this cross-selling
dengan tujuan meningkatkan porsi pendapatan (bunga initiative with the aim of increasing revenue portions
dan fee) dari cash management dan produk trade (interest and fees) from cash management and trade
financing serta Treasury. Bisnis model ini diterapkan financing products. This business model is applied in
untuk mengurangi ketergantungan bank terhadap order to reduce reliance on loans portfolios and at the
portofolio pinjaman dan sekaligus membangun same time developing Global Banking infrastructure
infrastruktur Perbankan Global untuk meningkatkan to increase cross-selling and collaboration between a
cross selling dan kolaborasi di antara berbagai produk range of products and services.
dan layanan.

4. Bancaassurance 4. Bancassurance
Setelah mendapat persetujuan dari regulator, pada After receiving approval from regulators, in July
bulan Juli 2016 Bank telah memulai proses bisnis dan 2016 the Bank began the business process of selling
penjualan produk bancaassurance dengan partner baru Bancassurance products with new partner Allianz. This
yaitu Allianz. Inisiatif ini merupakan bagian dari upaya initiative is part of effort to mine potential fee-based
menggali berbagai potensi pendapatan fee based income from all business lines.
dari semua lini bisnis.

5. Penerbitan Obligasi Subordinasi dan Obligasi Berbasis 5. Subordinated Bond Issue and Sharia Sukuk Bond Issue
Syariah Sukuk
Bank berhasil merealisasikan penerbitan Obligasi The Bank succeeded in realizing the issue of
Subordinasi dan Obligasi berbasis Syariah Sukuk Subordinated Bonds and Sharia Sukuk Bonds with
yang masing-masing sebesar Rp800 miliar dan Rp700 respective values of Rp800 billion and Rp700 billion.
miliar. Dengan penerbitan ini dan laba yang diperoleh, With this issue and resulting profit, the Bank’s CAR as

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Strategi Pengembangan Usaha


Business Development Strategy

membuat rasio kecukupan modal Bank pada 31 of 31 December 2016 stood at 16.77% of total capital
Desember 2016 tercatat sebesar 16,77% dengan total of Rp 21.8 trillion.
modal sebesar Rp21,8 triliun.

FOKUS STRATEGI BISNIS 2017 BUSINESS STRATEGY FOCUS 2017


Agar momentum pertumbuhan yang telah diraih selamadua In order to ensure that growth momentum achieved over
tahun terakhir dapat dipertahankan secara berkelanjutan dan the last two years is maintained sustainably, and in order
untuk meningkatkan kapabilitas Bank dalam pengembangan to increase Bank capability in carrying out business activity,
kegiatan usahanya, Manajemen Bank menetapkan 4 pilar Bank Management applies four pillars of aspiration towards
aspirasi arah kebijakan dan langkah strategis Bank yang policy and the Bank’s focus strategic steps:
berfokus, pada:
1. Memberikan layanan berkualitas tinggi, 1. High Quality Service,
2. Mengembangkan inovasi produk yang menarik, 2. Product Innovation,
3. Penyederhanaan proses, 3. Process Simplification,
4. Konektivitas secara regional. 4. Regional Connectivity.

Visi :
Menjadi penyedia layanan
keuangan terkemuka di Indonesia, yang didukung oleh
sumber daya manusia yang berkomitmen penuh dan inovatif
untuk menciptakan nilai dan melayani komunitas

Vision:
To be leading Financial Services Provider in Indonesia, driven by passionately committed
and innovative people, creating value and serving communities

Misi | Mission : Humanising Financial Services

LAYANAN PROSES YANG KONEKTIVITAS


INOVASI PRODUK
BERKUALITAS TINGGI SEDERHANA SECARA REGIONAL
PRODUCT
HIGH QUALITY PROCESS REGIONAL
INNOVATION
SERVICE SIMPLIFICATION CONNECTIVITY

Global Banking CFS Non Retail CFS Retail Shariah Banking

MKE MSI MAM MIF

Community Distribution Compliance Human Capital IT and Operational Risk Finance

MKE = Maybank Kim Eng Indonesia MAM = Maybank Asset Management MIF = Maybank Finance
MSI = Maybank Syariah Indonesia (Anak Perusahaan Maybank Indonesia)

Mengacu pada kebijakan Manajemen Bank yang telah Referring to Bank Management policy that has already been
disampaikan tersebut dan dengan mempertimbangkan conveyed and taking into account predictions of continued
prakiraan kondisi perekonomian yang masih penuh economic challenges, the Bank has formulated a strategic
tantangan, Bank merumuskan beberapa fokus strategis focus for 2017 to be applied in order to attain sustained
2017 yang akan diterapkan untuk mencapai pertumbuhan business growth.
bisnis yang berkelanjutan.

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Highlights Management Reports Company Profile Management Discussion & Analysis

Strategi Pengembangan Usaha


Business Development Strategy

Berikut Objectives dan Fokus Strategi Yang Akan Diterapkan Following are the Objectives and Strategy Focus to Be
di Tahun 2017 Applied in 2017
1. Peningkatan CASA dan Pertumbuhan Dana Pihak Ketiga 1. CASA and Third-Party Fund Growth
o Konversi nasabah korporasi (existing) untuk o To convert (existing) corporate customers to
menjadikan Maybank Indonesia sebagai rekening open operational accounts at Maybank Indonesia
operasional nasabah o Focus on community-based & customer centric
o Fokus kepada layanan berbasis komunitas & services, bringing the Bank’s products and
customer centric agar layanan dan jasa bank services into line with customer requirements
sesuai kebutuhan nasabah o Conversion of mass banking customer
o Konversi transaksi nasabah mass banking kepada transactions to e-channel
transaksi e-channel o Managing liquidity by considering cost of fund
o Mengelola likuiditas dengan mempertimbangkan efficiency, through TPF growth aligned with
efisiensi biaya dana, dengan menyesuaikan obtained credit pipelines
pertumbuhan DPK dengan pipeline kredit yang
diperoleh.

2. Peningkatan Pendapatan Fee Based Income : Increasing Fee-Based Income:


o Intensifikasi penjualan produk bancaassurance o Intensification of sales of Bancassurance products
untuk memberi nilai tambah bagi nasabah to create added value for customers
o Peningkatan jumlah nasabah dan diversifikasi o Increasing customer numbers and product
produk untuk mendukung pertumbuhan income diversification in support of income growth
o Intensifikasi pendapatan dari aktivitas treasury o Intensification of revenue from treasury activities
dan transactional banking and transactional banking
o Meningkatkan kolaborasi dengan anak perusahaan o Increased collaboration with Maybank Group
Maybank Group untuk memberikan total solusi subsidiaries in order to provide total solutions for
kepada nasabah terutama di segmen korporasi. customers, especially in the corporate segment.

3. P
eningkatan Aktivitas Cross Selling untuk Produk & 3. Increasing Cross Selling of Products and Services:
Layanan :
o Peningkatan penetrasi e-channel yang dimulai dari o Increased penetration of e-channels, beginning
proses pembukaan rekening nasabah with customer account opening processes.
o Peningkatan pemanfaatan CRM (Customer o Increasing CRM (Customer Relationship
Relationship Management) untuk peningkatan Management) in order to boost synergy between
sinergi antar lini bisnis business lines.

4. M
 empertahankan Margin dan Menyelaraskan Target 4. Maintaining Margins and Aligning Target Segments
Segmen
o Melanjutkan proses segmentasi pada nasabah o Continuing the segmentation process for
korporasi papan atas dengan tetap memperhatikan corporate customers at the same time as
risk appetite maintaining prudence as regards risk appetite
o Mengevaluasi bisnis model yang ada saat ini dan o Evaluating existing business model and ensuring
memastikan selaras dengan kebutuhan nasabah alignment with customer needs and lates industral
dan kondisi industri terkini. condition
o Peningkatan utilisasi existing nasabah terutama o Increased utilization of existing customers,
nasabah yang memiliki potensi tinggi namun especially customers with high potential but still
tingkat utilisasi masih rendah dalam menggunakan with low usage of Bank products
produk-produk Bank o Ensuring portfolio re-pricing properly and timely
o Memastikan re-pricing portfolio dilakukan secara
benar dan tepat waktu.

5. Penguatan Transformasi Kantor Wilayah 5. Reinforcement of Regional Office Transformation


o Penyelarasan model bisnis dikantor cabang o Realignment of business models at branch offices
dengan target segmen Bank dan Maybank group with Bank and Maybank Group target segments

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Strategi Pengembangan Usaha


Business Development Strategy

o Melanjutkan proses akselarasi inisiatif proses o Continuing acceleration process of transformation


transformasi untuk peningkatan produktivitas. process initiative to enhance productivity
o Melanjutkan eksekusi aktivitas sales planning o Continuing sales planning activities execution by
dengan fokus kepada tingkat cabang. focusing on branches level.

6. Produktivitas 6. Productivity
o Business Process Improvement (BPI) secara o Business Process Improvement (BPI) in order to
berkelanjutan untuk mempercepat turn around accelerate turn around time (TAT) and simplify
time (TAT) dan penyerdahaan proses yang ada. existing processes
o Melanjutkan proses pengendalian biaya dan o Continuing the process of controlling fees and
menciptakan operational excellence creating operational excellence
o Peningkatan kapabilitas karyawan secara o Sustained improvement of employee capability
berkesinambungan.

7.  Pertumbuhan Kredit dengan strategi pemanfaatan modal 7. Loan growth through capital utilization strategy
secara efisien dan peningkatan kualitas aktiva produktif efficiency and sustainable improvement of productive
secara berkelanjutan. assets quality
o Pertumbuhan kredit yang sehat dengan menjaga o Sound loan growth by maintaining Bank credit
pertumbuhan kredit Bank sejalan dengan growth in line with industry growth and risk
pertumbuhan industri dan risk appetite bank. appetite
o Memperkuat prosedur persetujuan kredit, o Strengthening loan approval procedures,
melakukan pemantauan yang intensif batas intensive monitoring of existing portfolio
portfolio yang ada, mengintensifkan implementasi limits, intensifying Early Alert Mechanism and
peringatan dini (Early Alert Mechanism and Watchlist Policy in loan portfolio.
Watchlist Policy) pada portfolio kredit. o Intensive monitoring on non performing loans
o Pemantauan intensif terhadap program restructuring and recovery program performance
restrukturisasi kredit bermasalah dan hasil kinerja results.
program recovery.

8. Digitalisasi untuk efisiensi bisnis dan channel. 8. Digitalisation for business and channel efficiency
o Mengembangkan produk dan layanan berbasis o Developing digital-based products and services
digital guna meningkatkan jumlah nasabah in order to boost positive experience for
pengguna e-channel dan memperkaya pengalaman customers and increase numbers of users of
nasabah dalam produk dan layanan e-channel. e-channels
o Peningkatan e-channel skills pada cabang-cabang, o Increasing e-channel skills at branches among
frontliners dan sales frontliners dan sales

Disamping fokus strategi yang telah dirumuskan diatas, Subsequent to the strategy focus outlined above, as part
sebagai upaya penyempurnaan dan peningkatan kinerja, of efforts to update and boost performance the Bank will
Bank akan melaksanakan inisiatif-inisiatif penting berikut: continue the following important initiatives:
i. P
 eningkatan kapabilitas dan produktifitas karyawan i. Improving employees capability and productivity to
untuk memperkuat budaya berkinerja tinggi melalui strengthen high performance culture through continuous
program pelatihan yang berkesinambungan. training programs.
ii. 
Melakukan divestasi anak usaha, yakni PT Wahana ii. Divestment of subsidiaries, namely PT Wahana Ottomitra
Ottomitra Multiartha Tbk (WOM Finance). Sebagai Multiartha Tbk (WOM Finance). As part of the plan, on 11
tahapan dari rencana ini, pada tanggal 11 Januari 2017 January 2017 the Conditional Shares Purchase Agreement
telah ditandatangani Perjanjian Pembelian Saham (PPSB) has been signed, to sell, transfer and divert all
Bersyarat (PPSB) untuk menjual, memindahtangankan Bank’s shares ownership (at 68.55%) from total issued
dan mengalihkan seluruh kepemilikan saham Bank shares of PT Wahana Ottomitra Multiartha Tbk (WOM
(sebesar 68,55%) dari total saham yang diterbitkan Finance) to PT Reliance Capital Management (RCM).
PT Wahana Ottomitra Multiartha Tbk (WOM Finance) The transaction will be effective upon the fulfillment
kepada PT Reliance Capital Management (RCM). of several conditions in the agreement including the
Transaksi ini akan menjadi efektif setelah pemenuhan approval from the regulators.
beberapa kondisi di dalam perjanjian termasuk mendapat
persetujuan dari regulator.
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Melayani
Sepenuh
Hati
PROFIL
PERUSAHAAN
Company Profile
IDENTITAS PERUSAHAAN INFORMASI PEMEGANG SAHAM
Company Identity 66 Shareholders Information 133
SEKILAS MAYBANK INDONESIA STRUKTUR PEMEGANG SAHAM
Maybank Indonesia In Brief 67 Shareholders Structure 134
KEGIATAN USAHA TENTANG MAYBANK
Core Business 69 Maybank Group in Brief 135
PRODUK DAN LAYANAN Informasi Entitas Anak,
Product and Services 72 Asosiasi, & Perusahaan
VISI & MISI
Ventura 140
Vision & Mission 98 Subsidiaries, Associates & Joint
Ventures
PERJALANAN KAMI
Our Journey 100 Tentang Entitas Anak
141
Subsidiaries in Brief
STRUKTUR ORGANISASI
Organization Structure 102 KRONOLOGIS PENCATATAN
SAHAM 147
AREA OPERASIONAL Shares Listing Chronology
Operational Area 104
KRONOLOGIS PENCATATAN
PROFIL DIREKSI EFEK LAIN 150
Board of Directors’ Profile 106 Other Shares Listing Chronology
PROFIL DEWAN KOMISARIS LEMBAGA/PROFESI PENUNJANG
Board of Commissioners’ Profile 115 PASAR MODAL
Capital Market Supporting 161
PROFIL PEJABAT SENIOR Institutions/Professions
Senior Management 121
PENGHARGAAN & SERTIFIKASI
JUMLAH KARYAWAN Awards & Certifications 162
Total Employees 132
ALAMAT KANTOR CABANG
Branch Offices Address 164

Menerima penghargaan ‘The Best Bank


in Service Quality’ selama tujuh tahun
berturut-turut, dari ISMS – Trisakti dan
Majalah Infobank
Awarded a recognition for seven consecutive years as ‘The Best Bank in
Service Quality’ from ISMS - Trisakti and Infobank Magazine
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Identitas Perusahaan
Company Identity

Nama Perusahaan Contact Center


Company’s Name Contact Center
PT Bank Maybank Indonesia Tbk PT Bank Maybank Indonesia Tbk
1 : customercare@maybank.co.id
Nama Perusahaan Sebelumnya 2 : investorrelations@maybank.co.id
Previous Name
PT Bank Internasional Indonesia Tbk : www.facebook.com/MaybankIndonesia
: @MaybankID
Alamat Perusahaan : 69811 atau (021) 1500611
Company Address
Sentral Senayan III Pembentukan
Establishment
Jl. Asia Afrika No. 8, Gelora Bung Karno
Jakarta 10270, Indonesia 15 Mei 1959 | May 15, 1959
Tel : (62-21) 2922 8888
Fax : (62-21) 2922 8799 Pemegang Saham %
Shareholders
Website : www.maybank.co.id
• Sorak Financial Holdings Pte.Ltd. 45,02
Bidang Usaha
Line if Business
• Maybank Offshore Corporate
Bank Umum | Commercial Bank 33,96
Services (Labuan) Sdn. Bhd
Dasar Hukum Usaha
Business License
• UBS AG London 18,31
• Ijin usaha sebagai Bank Umum melalui
Surat Keputusan Menteri Keuangan
Republik Indonesia No.138412/U.M.II • Publik | Public 2,71
tanggal 13 Oktober 1959, yang telah
diubah dengan: Surat Keputusan Dewan Entitas Anak
Komisioner Otoritas Jasa Keuangan Subsidiaries
Nomor 18 /KDK.03/2015 tanggal 23 • PT Wahana Ottomitra Multiartha Tbk
September 2015 (68,55%)
• Ijin usaha sebagai Bank Devisa melalui • PT Maybank Indonesia Finance (99,99%)
Surat Keputusan Direksi Bank Indonesia
No.21/11/Dir/UPPS tanggal 9 November Kode Saham
Shares Code
1988
BNII
• Business License as Commercial Bank
through Decree of Minister of Finance of Pencatatan Saham
Share Listing
Republic of Indonesia No. 138412/U.M.II
dated 13 October 1959, and amended by Bursa Efek Indonesia tanggal 21 November 1989
Decree of Financial Services Authority Indonesia Stock Exchange dated 21 November
Board of Commissioners No. 18/ 1989
KDK.03/2015 dated 23 September 2015 Kode SWIFT
• Business License as Foreign Exchange SWIFT Code
Bank through Decree of Director of Bank IBBKIDJA
Indonesia No. 21/11/Dir/UPPS dated 9
November 1988

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Sekilas Maybank Indonesia


Maybank Indonesia In Brief

PT Bank Maybank Indonesia Tbk (“Maybank Indonesia” PT Bank Maybank Indonesia Tbk (“Maybank Indonesia” or
atau “Bank”) adalah salah satu bank swasta terkemuka “Bank”) is one of the leading private banks in Indonesia that
di Indonesia yang merupakan bagian dari grup Malayan also become part of Malayan Banking Berhad (Maybank)
Banking Berhad (Maybank), salah satu grup penyedia layanan Group, one of the largest financial services group in ASEAN.
keuangan terbesar di ASEAN. Sebelumnya, PT Bank Maybank Previously, PT Bank Maybank Indonesia Tbk was known as
Indonesia Tbk bernama PT Bank Internasional Indonesia (BII) PT Bank Internasional Indonesia (BII), a bank which was
yang didirikan pada 15 Mei 1959, mendapatkan ijin sebagai established on 15 May 1959, obtained a license as a foreign
bank devisa pada 1988 dan mencatatkan sahamnya sebagai exchange bank in 1988, and had its share listed as publicly
perusahaan terbuka di bursa efek Jakarta dan Surabaya listed company in Jakarta Stock Exchange and Surabaya
(sekarang telah merger menjadi Bursa Efek Indonesia) pada Stock Exchange (now merged as Indonesia Stock Exchange)
1989. in 1989.

Pada 2008 BII diakuisi oleh Maybank melalui anak perusahan In 2008 Maybank acquired BII through its fully owned
yang dimiliki sepenuhnya yaitu Maybank Offshore Corporate subsidiaries, namely Maybank Offshore Corporate Services
Services (Labuan) Sdn. Bhd. (MOCS) dan Sorak Financial (Labuan) Sdn. Bhd. (MOCS) and Sorak Financial Holdings
Holdings Pte. Ltd. (Sorak). Pte. Ltd (Sorak).

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Perjalanan Kami
Our Journey

Kemudian melalui hasil Keputusan Rapat Umum Pemegang Then based on resolution of Extraordinary General Meeting
Saham Luar Biasa, PT Bank Internasional Indonesia Tbk of Shareholders (EGMS) of PT Bank Internasional Indonesia
tanggal 24 Agustus 2015, persetujuan Menteri Hukum Tbk dated 24 August 2015, approval of Ministry of Law and
dan Hak Asasi Manusia Republik Indonesia melalui Surat Human Rights of Republic of Indonesia by means of Decree
Keputusan MenkumHAM No. AHU-0941203. AH.01.02 of Ministry of Law and Human Rights No. AHU-0941203.
tahun 2015 tanggal 26 Agustus 2015, dan Keputusan AH.01.02 Year 2015 dated 26 August 2015, and Decree of
Dewan Komisioner Otoritas Jasa Keuangan (OJK) No. 18/ Commissioner Board of Financial Services Authority No.18/
KDK.03/2015 tanggal 23 September 2015, BII berubah nama KDK.03/2015 dated 23 September 2015, BII became Maybank
menjadi Maybank Indonesia, mengukuhkan identitasnya Indonesia, confirming its identity as an inseparable entity of
sebagai entitas utuh yang tidak terpisahkan dari Grup Maybank Group and constantly strive to bring Humanising
Maybank serta senantiasa berusaha untuk menghadirkan Financial Services to all stakeholders.
Humanising Financial Services kepada semua pemangku
kepentingan.

Maybank Indonesia merupakan salah satu bank terbesar di Maybank Indonesia is currently one of the largest banks
Indonesia yang terkoneksi dengan jaringan regional maupun in Indonesia that connected to regional and international
internasional Grup Maybank. Per 31 Desember 2016 Maybank network of Maybank Group. As of 31 December 2016
Indonesia memiliki 428 cabang termasuk cabang Syariah dan Maybank Indonesia had 428 branches including Shariah
kantor fungsional mikro yang tersebar di Indonesia serta dua branches and micro functional offices spread across
cabang luar negeri (Mauritius dan Mumbai, India), 19 Mobil Indonesia, two overseas branches (Mauritius and Mumbai,
Kas Keliling dan 1.633 ATM termasuk CDM (Cash Deposit India), 19 Mobile Cash Vehicles and 1,633 ATMs including
Machine) yang terkoneksi dengan lebih dari 20.000 ATM CDMs (Cash Deposit Machine) which all connected to more
tergabung dalam jaringan ATM PRIMA, ATM BERSAMA, than 20,000 ATMs in ATM PRIMA, ATM BERSAMA, ALTO,
ALTO, CIRRUS dan terhubung dengan 3.500 ATM Maybank and CIRRUS networks and connected to 3,500 Maybank
di Singapura dan Malaysia melalui jaringan MEPS. ATMs in Singapore and Malaysia through MEPS network.

Maybank Indonesia menyediakan serangkaian produk dan Maybank Indonesia provides a comprehensive range
jasa komprehensif bagi nasabah individu maupun korporasi of products and services for individual and corporate
melalui layanan Perbankan Ritel, Perbankan Bisnis, dan customers through Retail Banking, Business Banking and
Perbankan Global, serta pembiayaan otomotif melalui Global Banking as well as auto financing business through its
entitas anak yaitu WOM Finance untuk kendaraan roda subsidiaries namely WOM Finance for two-wheeled vehicles
dua dan Maybank Finance untuk kendaraan roda empat. and Maybank Finance for four-wheeled vehicles. Maybank
Maybank Indonesia juga terus mengembangkan layanan Indonesia also continues to promote e-banking services
dan kapasitas E-banking melalui Mobile Banking, Internet and capacity through Mobile Banking, Internet Banking,
Banking, Maybank M2U (mobile banking berbasis internet Maybank M2U (internet based mobile banking) and other
banking) dan berbagai saluran lainnya. several channels.

Per 31 Desember 2016, Maybank Indonesia mengelola As of 31 December 2016, Maybank Indonesia managed
simpanan nasabah sebesar Rp118,9 triliun dan memiliki aset Rp118,9 trillion in customer deposits and RpRp166,7 trillion
senilai Rp166,7 triliun. in assets.

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Kegiatan Usaha
Core Business

Tujuan dan Bidang Usaha Berdasarkan Objectives and Business Sectors Based on the
Anggaran Dasar Articles of Association
Bidang Usaha, Kegiatan Utama dan Kegiatan Penunjang Business Sectors, Main Activities and Supporting Activities
menurut Anggaran Dasar Perseroan Terakhir Tujuan dan according to the Last Articles of Association of the Company.
bidang usaha Perseroan adalah menjalankan usaha di bidang The company’s Objectives and Business Sectors is to run a
Bank Umum. Commerical Banking business.

Sesuai tercantum pada Pasal 3 Anggaran Dasar Perseroan According to Article 3 in the Company’s last Article of
yang terakhir, untuk mencapai maksud dan tujuan tersebut Association, to achieve their goal, the Company may run its
di atas, Perseroan dapat melaksanakan kegiatan usaha main businesses as follows:
utama sebagai berikut:
a. Menghimpun dana dari masyarakat dalam bentuk a. To collect fund from public in the form of giro savings,
simpanan berupa giro, deposito berjangka, sertifikat time deposit, deposit certificate, savings and/or other
deposito, tabungan dan/atau bentuk lainnya similar form.
dipersamakan dengan itu.
b. Menerbitkan Surat Pengakuan Hutang. b. To issue the Letter of Debt Acknowledgement;
c. Membeli, menjual atau menjamin atas risiko sendiri c. To purchase, sell or warrant, at its own risk or for the
maupun untuk kepentingan dan atas perintah benefit of and on order of its customers, the following
nasabahnya, surat-surat berikut: documents:
I. Surat-surat wesel termasuk wesel yang diakseptasi I. money order, including money order which is
oleh Perseroan yang biasa berlakunya tidak lebih accepted by the Company, the validity period
lama dari pada kebiasaan dalam perdagangan of which is not longer than the one which is
surat-surat dimaksud; customarily applied in the trade of the related
II. Surat pengakuan hutang dan surat berharga documents;
lainnya yang masa berlakunya tidak lebih lama dari II. Letter of indebtedness and other securities, the
pada kebiasaan dalam perdagangan surat-surat validity period of which is not longer than the one
dimaksud; which is customarily applied in the trade of such
III. Surat berharga Pemerintah dan surat jaminan documents;
Pemerintah; III. Government securities and Government letter of
IV. Sertifikat Bank Indonesia (SBI); guarantee;
V. Obligasi; IV. Certificate of Bank Indonesia (SBI);
VI. Surat dagang berjangka waktu V. Bond;
VII. Instrumen surat berharga lain yang berjangka VI. Commercial papers with a validity period;
waktu. VII. Other time commercial papers instrument with a
validity period.
d. Memberikan kredit. d. To provide credit.
e. Meminjam dana dan/atau meminjamkan dana kepada e. To borrow fund and/or lend fund to other banks, either
bank lain, baik dengan menggunakan surat, saran by using letter, means of telecommunication or by
telekomunikasi maupun dengan wesel unjuk, cek, atau money order, cheque, or other means.
sarana lainnya.
f. Memindahkan uang, baik untuk kepentingan sendiri, f. To transfer money, either for self benefit or for the
maupun untuk kepentingan nasabah. benefit of the customers.
g. Menerima pembayaran dari tagihan atas surat berharga g. To receive payment from bill for securities and perform
dan melakukan perhitungan dengan atau antar pihak calculation with or among third parties.
ketiga.

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Kegiatan Usaha
Core Business

h. Menyediakan tempat untuk menyimpan barang dan h. To provide a place for storing valuable goods and
surat berharga. securities.
i. Melakukan kegiatan penitipan untuk kepentingan i. To perform custody activity for the benefit of other
pihak lain berdasarkan suatu kontrak. party under a contract.
j. Melakukan penempatan dana dari nasabah kepada j. To perform placement of fund from a customer to other
nasabah lainnya dalam bentuk surat berharga yang customer in the form of securities which are not listed
tidak tercatat di bursa efek. in the stock exchange.
k. Melakukan kegiatan anjak piutang, usaha kartu kredit k. To perform activities of factoring, credit card business
dan kegiatan Wali Amanat. and trusteeship.
l. Melakukan segala kegiatan lain yang lazim dilakukan l. To take any other action customarily taken by the
oleh bank sepanjang tidak bertentangan dengan banks insofar as not conflicting with the provisions
ketentuan perundangundangan yang berlaku, antara of prevailing law and regulation, interalia, acting as a
lain bertindak sebagai Bank Kustodian. Custodian Bank.
m. Menyediakan pembiayaan dan/atau melakukan m. To provide financing and/or perform activity based
kegiatan berdasarkan Prinsip Syariah, sesuai dengan on principle of Shariah, in accordance with the rule
ketentuan yang ditetapkan oleh Otoritas Jasa Keuangan specified by the Financial Service Authority and the
dan Dewan Syariah Nasional. National Board of Shariah.
n. Melakukan kegiatan penyertaan modal sementara n. To perform an activity of temporary capital participation
untuk mengatasi akibat kegagalan kredit atau in order to overcome the consequence of credit failure
kegagalan pembiayaan berdasarkan Prinsip Syariah, or financing failure based on Shariah Principle, on
dengan syarat harus menarik kembali penyertaan, condition that it must retract its participation, in
dengan memenuhi ketentuan yang ditetapkan oleh compliance with the rule specified by the Financial
Otoritas Jasa Keuangan. Service Authority.

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Kegiatan Usaha
Core Business

Guna menunjang kegiatan usaha utama Perseroan tersebut, In order to support the aforementioned principal business
Perseroan dapat melaksanakan kegiatan usaha penunjang activity of the Company, the Company may perform the
antara lain sebagai berikut: following supporting business activities:
a. Melakukan kegiatan dalam Valuta Asing sesuai a. To perform the activity of Foreign Exchange in
dengan ketentuan yang ditetapkan oleh Otoritas Jasa accordance with the rule specified by the Financial
Keuangan. Service Authority.
b. Melakukan kegiatan penyertaan modal pada bank atau b. To perform the activity of capital participation in
perusahaan lain di bidang keuangan, seperti sewa guna a bank or other company in the sector of finance,
usaha, modal ventura, usaha kartu kredit, pembiayaan such as lease, venture capital, credit card business,
konsumen, perusahaan efek, asuransi, serta lembaga consumer financing, stock company, insurance, as
kliring penyelesaian dan penyimpanan, dengan well as settlement and depository clearinghouse, in
memenuhi ketentuan yang ditetapkan oleh Otoritas compliance with the rule specified by the Financial
Jasa Keuangan. Service Authority
c. Melakukan kegiatan penyertaan modal sementara c. To perform the activity of temporary capital
untuk mengatasi akibat kegagalan kredit, termasuk participation in order to overcome the consequence
kegagalan pembiayaan berdasarkan Prinsip Syariah, of credit failure, including the financing failure based
dengan syarat harus menarik kembali penyertaannya on the Shariah Principle, on condition that that it must
sesuai dengan ketentuan yang ditetapkan oleh Otoritas retract its participation in accordance with the rule
Jasa Keuangan. specified by the Financial Service Authority.
d. Bertindak sebagai pendiri dan pengurus Dana Pensiun d. To act as a founder and administrator of Pension Fund
sesuai dengan ketentuan dalam peraturan perundang- in accordance with the provisions in the prevailing law
undangan di bidang dana pension yang berlaku. and regulation concerning pension fund.
e. Menjual agunan baik seluruh maupun sebagian, melalui e. To sell collateral, either entirely or partially, by means of
pelelangan atau dengan cara lain, dalam hal debitur auction or otherwise, in case the debtor does not fulfill
tidak memenuhi kewajibannya kepada Perseroan, its obligation to the Company, on condition that that
dengan ketentuan agunan yang dibeli tersebut wajib the collateral being purchased must be immediately
dicairkan secepatnya. disbursed.
f. Melakukan segala penunjang usaha lainnya yang lazim f. To perform any other supporting business customarily
dilakukan oleh bank sepanjang tidak bertentangan performed by the bank insofar as not conflicting with
dengan perundang-undangan yang berlaku. the prevailing law and regulation.

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Produk dan Layanan


Products and Services

SIMPANAN
Fundings

Tabungan Savings

Maybank Tabungan Reguler Maybank Regular Savings


Tabungan yang ditawarkan untuk nasabah individu Savings account for individual customer in IDR that
dalam mata uang Rupiah dengan keuntungan dan offers wide range of benefits and facilities and include ATM,
kelengkapan fasilitas seperti ATM, Kartu Debit, Debit Card, internet banking and mobile banking.
Internet dan Mobile Banking.

Maybank Tabungan Gold Maybank Gold Savings


Tabungan yang diperuntukkan bagi nasabah yang Savings product that is specially designed for customers
membutuhkan kenyamanan dan kemudahan dalam with high frequency in banking transactions.
bertransaksi dalam jumlah yang tinggi.

Maybank Tabungan Pro Maybank Tabungan Pro


Tabungan yang diperuntukkan bagi nasabah pada segmen Savings product that is specially designed for customers in
bisnis maupun profesional yang memiliki dana simpanan business segment and professional with minimum deposit
minimum Rp 25 juta, baik untuk simpanan maupun transaksi. Rp 25 million, both for deposits and transactions.

Maybank Tabungan Woman One Maybank Woman One Savings


Tabungan khusus wanita pertama di Indonesia yang Specially designed savings account dedicated for
disesuaikan dengan gaya hidup dan kebutuhan wanita baik Woman to meet their lifestyle and needs. This account
dalam fungsinya sebagai ibu rumah tangga, profesional offers a wide range of benefits that covers both personal and
ataupun pribadi family needs.

Maybank Tabungan SuperKidz Maybank SuperKidz Savings


Tabungan khusus untuk anak-anak di bawah usia 17 tahun. Savings account for kids presented with attractive
Dirancang dengan design yang sangat menarik sesuai and popular toy characters “Barbie” and “Hot Wheels”.
dengan kegemaran anak-anak, yaitu “Barbie” dan “Hot SuperKidz is designed for children to learn the value of
Wheels”, tabungan ini hadir dengan tujuan mengajarkan savings habit by making saving easy and fun.
menabung sejak dini secara mudah dan menyenangkan.

Maybank Tabungan MyPlan Maybank MyPlan Savings


Tabungan berjangka dalam mata uang Rupiah dan USD A financial solution in a form of Savings Account to help
dengan perlindungan asuransi yang diciptakan sebagai customer to achieve mid or long term goal such as holiday,
solusi kebutuhan finansial di masa yang akan datang untuk marriage, religious and investment purposes provided with
berbagai kebutuhan seperti liburan, menikah, ibadah, dan insurance coverage.
lain sebagainya.

Maybank Tabungan Super Valas Maybank Super FX Savings


Tabungan yang diciptakan bagi nasabah perorangan dalam Savings product for individual customer in Foreign Currency
mata uang asing yang diberikan dengan suku bunga menarik denomination that offers competitive rate and other banking
dan fasilitas transaksi lainnya. Sebelumnya, tabungan facilities. Previously included performing withdrawal
ini memungkinkan nasabah untuk menarik dana dalam transactions in USD or SGD denomination at designated
denominasi USD dan SGD di mesin ATM tertentu yang ATM machines which has since been discontinued following
sudah tidak aktif mengikuti peraturan BI. BI regulation.

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Produk dan Layanan


Products and Services

Maybank TabunganKu Maybank TabunganKu


Tabungan dengan setoran awal ringan yang diciptakan Joint Saving product with Bank Indonesia and other
bersama-sama beberapa bank dan Bank Indonesia dalam Indonesian Banks that is designed for mass market to
upaya menumbuhkan budaya menabung di lingkungan increase financial inclusion.
masyarakat.

Maybank Tabungan SimPel (Simpanan Pelajar) Maybank Tabungan SimPel (Simpanan Pelajar)
Produk ini merupakan gagasan dari Otoritas Jasa Keuangan This product is a mandatory product issued by OJK for
(OJK) untuk siswa/pelajar yang diterbitkan secara nasional Indonesian students as part of financial inclusion program
oleh bank-bank di Indonesia, dalam rangka edukasi dan as well as to cultivate early saving habits from Indonesian
inklusi keuangan untuk mendorong budaya menabung sejak children.
dini.

Giro Demand Deposits

Maybank Giro Rupiah Maybank Rupiah Demand Deposits


Rekening koran dalam mata uang rupiah di mana penarikan Demand Deposits in Rupiah denomination that can
dana dapat dilakukan dengan menggunakan cek, bilyet be withdrawn at anytime using cheque, bilyet giro,
giro, surat perintah pembayaran ataupun pemindahbukuan payment order or fund transfer completed by ATM, internet
dan dilengkapi dengan layanan ATM, Internet Banking banking and phone banking services that serves simplicity in
dan Phone Banking yang memberikan keleluasaan dalam performing banking transactions.
melakukan transaksi.

Maybank Giro Valas Maybank Foreign Currency Demand Deposits


Rekening koran dalam mata uang asing di mana penarikan Demand Deposits in Foreign Currency denomination that
dana dapat dilakukan dengan menggunakan instruksi can be withdrawn at anytime using payment order or fund
transfer atau payment order dan dilengkapi dengan layanan transfer completed by ATM, internet banking and phone
ATM, Internet Banking dan Phone Banking yang memberikan banking services that serves simplicity in performing
keleluasaan dalam melakukan transaksi. banking transactions.

Deposito Berjangka Time Deposits

Maybank Deposito Maybank Time Deposits


Simpanan berjangka, dengan periode penempatan dari 1 Time deposits with periods of 1 month to 24 months that
bulan sampai dengan 24 bulan, yang terjamin keamanannya can be withdrawn or cashed only at maturity. Maybank Time
serta dapat diambil atau dicairkan pada saat jatuh tempo, Deposits offer competitive rates and are available in both
dengan tingkat suku bunga yang menarik. Tersedia dalam Rupiah and Foreign Currency denomination.
mata uang Rupiah dan mata uang asing lainnya.

Maybank Deposito On-Call Maybank On-Call Time Deposits


Simpanan berjangka, dengan periode penempatan kurang Time deposits with period less that 1 month that can be
dari 1 bulan, yang terjamin keamanannya serta dapat diambil withdrawn or cashed only at maturity. Maybank On-Call
atau dicairkan pada saat jatuh tempo, dengan tingkat suku Time Deposits offer competitive rates and are available in
bunga yang menarik. Tersedia dalam mata uang Rupiah dan both Rupiah and USD denomination.
mata uang USD.

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Produk dan Layanan


Products and Services

Maybank E-Channel
Maybank E-Channel

Maybank ATM Maybank ATM


Layanan perbankan elektronik yang disediakan bagi nasabah Electronic banking service which allows customers to
untuk melakukan penarikan dana tunai dalam mata uang make Rupiah cash withdrawal and perform various banking
Rupiah dan layanan perbankan non-tunai lainnya melalui transactions on Automated Teller Machine that can be
mesin Anjungan Tunai Mandiri, yang diakses dengan accessed by using ATM or credit card.
menggunakan kartu ATM atau kredit.

Maybank2u Internet Banking Maybank2u Internet Banking


Layanan perbankan elektronik yang disediakan bagi nasabah Electronic banking service using the internet website for
untuk melakukan transaksi perbankan baik finansial maupun financial and non-financial banking transaction and validated
non finansial melalui situs internet dengan fitur keamanan by SMS token as a security feature.
dalam bentuk penggunaan SMS token.

Maybank2u App Maybank2u App


Layanan perbankan elektronik yang disediakan bagi nasabah Electronic banking service for financial and non-financial
untuk melakukan transaksi perbankan baik finansial transaction using mobile application on Smartphone with
maupun non finansial melalui aplikasi berbasis internet di with internet connection.
Smartphone nasabah.

Maybank SMS+ Banking Maybank SMS+ Banking


Layanan perbankan elektronik yang disediakan bagi nasabah Electronic banking service that is accessible by using cellular
untuk melakukan transaksi perbankan baik finansial maupun phone to do financial and non-financial banking transaction.
non finansial melalui telepon seluler yang menggunakan Maybank SMS+ Banking is accessible by SMS, STK (SIM
beragam pilihan akses yaitu SMS, STK (SIM Tool Kit), menu Tool Kit), Apps (Blackberry, Android, iOS & Windows Phone)
Aplikasi (Blackberry, Android, iOS & Windows Phone) dan and UMB (USSD Menu Browser) while using Random PIN
UMB (USSD Menu Browser) dengan fitur keamanan berupa Challenge as a security feature.
Random Pin Challenge.

Maybank Cash Deposit Machine (CDM) Maybank Cash Deposit Machine (CDM)
Layanan perbankan elektronik yang disediakan bagi nasabah Real time online electronic banking services that enables
untuk melakukan setoran tunai dalam mata uang Rupiah customers to deposit Rupiah bank notes in certain
dengan denominasi tertentu, baik ke rekening pribadi denomination to both personal and other accounts on cash
maupun rekening nasabah lainnya secara real time online. deposit machine. The machine has the ability to detect the
Maybank CDM memiliki kemampuan deteksi denominasi denomination and physical condition of the notes deposited.
dan kondisi fisik uang (asli atau palsu, baik atau rusak).

Maybank Phone Banking Maybank Phone Banking


Layanan perbankan elektronik yang merupakan bagian Electronic banking service that is part of Maybank Customer
dari layanan Maybank Customer Care yang disediakan bagi Care service, which enables customers to perform various
nasabah untuk melakukan transaksi perbankan baik finansial financial and non financial banking transaction through
maupun non finansial melalui telepon. telephone.

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Produk dan Layanan


Products and Services

Maybank Direct Debit Maybank Direct Debit


Layanan perbankan elektronik untuk pembayaran tagihan Electronic banking service for automatic monthly recurring
rutin secara otomatis setiap bulan. Layanan Direct Debit bill payment. Available bill payment are for PLN, PAM,
yang tersedia antara lain untuk pembayaran tagihan PLN, Telkom, Credit Card, Loan, Insurance, Pay TV and various
PAM, Telkom, Kartu Kredit, Cicilan, Asuransi, TV Berbayar postpaid handphone bills.
dan berbagai tagihan handphone.

Maybank Bill Payment Maybank Bill Payment


Layanan pembayaran tagihan rutin dan non-rutin seperti Bill payment service such as Telkom bill, PLN, credit card,
tagihan Telkom, PLN, PAM, kartu kredit, isi ulang pulsa prepaid voucher reload, insurance dan many other bill
handphone, asuransi dan beragam pembayaran lainnya yang payment through e-channel (ATM, Internet Banking, Mobile
dapat dilakuan melalui fasilitas e-channel (ATM, Internet Banking, Phone Banking, Direct Debit) and Payment Point
Banking, Mobile Banking, Phone Banking, Direct Debit) dan Online Banking (PPOB) business partner outlet.
outlet mitra Payment Point Online Banking (PPOB).

Maybank Virtual Account Maybank Virtual Account


Layanan penerimaan pembayaran tagihan rutin dan non- Payment collection service (in Rupiah and US Dollar
rutin (dalam mata uang Rupiah dan US Dollar) yang ditujukan currency) for corporate and institutional customer, which
bagi nasabah korporasi dan institusi untuk memudahkan allow for easy payment reconcilliation and management.
pengelolaan dan rekonsiliasi penerimaan pembayaran dari
pelanggan.

Western Union Western Union


Layanan pengiriman uang domestik dan internasional Local and international money remittance service using
melalui jaringan Western Union yang dapat dilakukan Western Union network, which can be done through
melaui cabang Maybank, Maybank2u Internet Banking dan Maybank branch, Maybank2u Internet Banking and outlet of
outlet mitra bisnis yang bekerjasama dengan Maybank. Maybank business partner.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
75
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

PERBANKAN GLOBAL
Global Banking

Treasury dan Global Market Treasury and Global Market


Valuta Asing (Spot, Forward) Foreign Exchange (Spot, Forward)
Nasabah dapat membeli atau menjual suatu mata uang Customer able to buy and sell one currency on another
terhadap mata uang lainnya dengan penyelesaian transaksi currency with settlement on the same day (t+0), tomorrow
pada hari yang sama (H+0), esok hari (H+1), spot (H+2) dan (t+1), spot (t+2) and forward date (>t+2).
tanggal mendatang (>H+2)

Foreign Currency Swap Foreign Currency Swap


Perjanjian untuk membeli atau menjual suatu mata uang An agreement to buy or sell one currency to another
terhadap mata uang lainnya pada tanggal tertentu, sekaligus currency on a certain date which simultaneously concluded
dengan perjanjian yang sama dengan counterparty yang with the same counterparty to sell or buy back the currency
sama menjual atau membeli kembali mata uang tersebut di on a future date and at a predetermined exchange rate.
masa yang akan datang dan dengan harga yang ditentukan
di awal.

Interest Rate Swap (IRS) Interest Rate Swap (IRS)


Maybank dan nasabah dapat saling bertukar pembayaran Maybank and its customers can exchange interest rate
bunga dalam suatu periode tertentu yang telah disepakati payments over an agreed period of time based on a notional
berdasarkan jumlah nosional suatu mata uang. Hanya amount of a single currency. Only the interest rate payments
pembayaran bunga yang dipertukarkan, sedangkan jumlah are swapped, the notional amount does not change hands.
nosional tidak berpindah tangan. Kemungkinan untuk Possibilities to swap are floating/floating, floating/fixed
swap bisa antara bunga mengambang terhadap bunga and fixed/fixed interest payments. The reference interest
mengambang, bunga mengambang terhadap bunga tetap, rate used can be LIBOR, JIBOR or another IBOR (Interbank
dan bunga tetap terhadap bunga tetap. Referensi bunga Offered Rate).
dapat berupa LIBOR, JIBOR, ataupun IBOR (Interbank
Offered Rate) lainnya.

Cross Currency Swap (CCS) Cross Currency Swap (CCS)


Ini adalah tipe transaksi IRS dimana pertukaran arus This is a type of IRS where the interest cash flows are
kas terjadi dalam mata uang yang berbeda, termasuk expressed in different currencies and where an exchange
pertukaran sejumlah nosional pada saat tanggal valuta, di of the notional amounts may take place on the value date,
tengah periode, dan saat jatuh tempo. Dengan instrumen intermediate, and the maturity date. With this instrument,
ini, nasabah dapat melakukan lindung nilai terhadap risiko client is hedged against foreign exchange risks in terms of
valuta asing baik atas nosional maupun bunga karena nilai both principal and coupons as the swap locks in current
swap ditetapkan pada kondisi pasar terkini. market rate.

FX Option FX Option
Nasabah bisa memperoleh hak (bukan kewajiban) dalam Customers can acquire a right (and not the obligation)
periode tertentu atau sampai tanggal jatuh tempo untuk during a certain period or on an expiration date to buy or sell
membeli atau menjual sejumlah mata uang tertentu terhadap a certain amount in one currency against another currency
mata uang lainnya pada nilai tukar (harga strike) yang telah at a predetermined exchange rate (strike price) and by
ditentukan di awal dan dengan membayar sejumlah premi. paying some amount of premium.

Laporan Tahunan 2016 Annual Report


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Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Produk dan Layanan


Products and Services

Interest Rate Futures Interest Rate Futures


Suatu kewajiban kontrak bagi pemegang kontrak untuk A contractual obligation for the contract holder to purchase
membeli atau menjual instrumen suku bunga seperti or sell an interest rate instrument i.e. bond on a specified
obligasi pada tanggal yang akan datang dengan harga future date at a predetermined price. This will support
yang telah ditetapkan. Ini akan membantu bank untuk the bank to hedge and mitigate uncertainty of interest
melakukan lindung nilai atau mitigasi atas ketidakpastian rate movement in the future, in the same time improve
pergerakan suku bunga di masa mendatang, sekaligus dapat profitability from its trading activity.
meningkatkan profitabilitas dari kegiatan jual belinya.

Forward IB Forward IB
Suatu kontrak antara dua pihak (bank dengan nasabah) A contract between two parties (bank and customer) to
untuk melakukan pertukaran dua valuta yang berbeda pada exchange two different currencies on a specified settlement
satu tanggal penyelesaian tertentu berdasarkan prinsip ‘Aqd date based on ‘Aqd al Tahawwud al-Basith principle (Simple
al Tahawwud al-Basith (Transaksi Lindung Nilai Sederhana). Hedging Transaction)

Cross Currency Hedging IB (CCH IB) Cross Currency Hedging IB (CCH IB)
Suatu kontrak antara dua pihak (bank dengan nasabah) A contract between two parties (bank and customer) to
untuk melakukan serangkaian pertukaran dua valuta yang exchange two different currencies on a specified tenor
berbeda selama jangka waktu tertentu berdasarkan prinsip based on principal of Sharia al-Tahawwuth Al-Murakkab
Syariah al-Tahawwuth Al-Murakkab (Transaksi Lindung Nilai (Sophisticated Hedging Transaction) if any initial exchange
Kompleks) apabila terdapat pertukaran mata uang (notional) or al-Tahawwud al-Basith (Simple Hedging Transaction) if
di awal, atau al-Tahawwud al-Basith (Transaksi Lindung Nilai there’s no initial exchange.
Sederhana) apabila tidak terdapat pertukaran mata uang
notional di awal.

Layanan Treasuri Lainnya Other Treasury Services


Nasabah juga dapat membeli tipe investasi product Customers are also able to purchase other type of investment
lain seperti surat berharga Surat Utang Negara (SUN), products such as Indonesian Government Bond (SUN),
Indonesian Sovereign Bond (Indon), Obligasi Ritel Indonesia Indonesian Sovereign Bond (Indon), Retail Government
(ORI), dan Obligasi Ritel Syariah Indonesia (Sukuk). Nasabah Bond (ORI) and Retail Sharia Government Bond (Sukuk).
juga dapat menjualnya kembali kepada BII Global Markets Customer can also sell back their ownership to BII Global
sesuai dengan harga pasar yang berlaku. Markets at prevailing market price.

Trade Finance Trade Finance

Letter of Credit (LC) – sight dan usance Letter of Credit (LC) - sight and usance
Jaminan pembayaran oleh Bank atas nama nasabah / Definite undertaking of the Bank on behalf of customer /
importir) untuk membayar kepada penjual /seller sepanjang importer to make payment to beneficiary / seller as long as
dokumen-dokumen yang diserahkan kepada Bank telah documents are presented to the Bank have complied with
sesuai dengan persyaratan LC. LC terms.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
77
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

LC/SKBDN Usance Payable at Sight (UPAS) & LC/SKBDN Usance Payable at Sight (UPAS) &
Usance Payable at Usance (UPAU) Usance Payable at Usance (UPAU)
Pembiayaan yang diberikan oleh Bank terhadap LC/SKBDN Financing on Usance LC /SKBDN provided by the Bank to
Usance untuk melakukan pembayaran pembayaran kepada make payment to beneficiary / seller on sight basis or after a
beneficiary/seller secara atas unjuk (at sight) atau setelah certain period less than usance tenor of LC/SKBDN
periode tertentu yang lebih pendek dari tenor usance LC/
SKBDN yang diterbitkan

Surat Kredit Berdokumen Dalam Negeri Surat Kredit Berdokumen Dalam Negeri
(SKBDN) (SKBDN)
Jaminan pembayaran oleh Bank atas nama nasabah /pembeli Definite undertaking of the Bank on behalf of customer
untuk membayar kepada penjual /seller pada perdagangan / importer to make payment to beneficiary / seller under
dalam negeri sepanjang dokumen-dokumen yang domestic trade as long as documents are presented to the
diserahkan kepada Bank telah sesuai dengan persyaratan Bank have complied with LC terms.
SKBDN

Pembiayaan Invoice – Purchasing (kepada Invoice Financing – Purchasing (for Buyer)


Pembeli) Short term financing provided to customer/buyer for
Pembiayaan modal kerja jangka pendek yang diberikan purchasing the goods/raw material whereby financing to
kepada Pembeli untuk pembelian barang/bahan baku be provided against the bill (invoice) received by the buyer
dimana pembiayaan dilakukan berdasarkan tagihan/invoice from the seller.
yang diterima buyer dari seller.

Pembiayaan Trust Receipt Trust Receipt Financing


Pembiayaan jangka pendek yang diberikan kepada nasabah/ Short term financing provided to customer/ importer /
importir/pembeli untuk melunasi kewajiban pembayaran buyer for settlement customer’s obligation that is due under
atas LC/SKBDN collection yang jatuh tempo dimana LC/SKBDN whereby financing to be provided against Trust
pembiayaan dilakukan berdasarkan penyerahan dokumen Receipt document submitted by customer.
Trust Receipt nasabah.

Penerimaan Dokumen Impor Non LC Inward Documentary Collection


Jasa penerimaan dokumen impor (non LC) yang yang A service for incoming documentary collection provided to
diberikan kepada nasabah/importir/pembeli dimana customer/importir/buyer whereby the Bank collects the
Bank menagihkan pembayaran kepada nasabah dan payment from customer and will surrender the documents
akan menyerahkan dokumen import setelah menerima upon receipt payment or acceptance from customer.
pembayaran atau akseptasi dari nasabah.

Pemberitahuan Impor Barang Pemberitahuan Impor Barang (PIB)


Jasa layanan penerimaan pembayaran pajak impor barang A service for Import tax payment provided to customer/
kepada nasabah/importir dimana nasabah memiliki importer whereby customer have tax obligation to the
kewajiban pajak kepada pihak pabean atas realisasi impor customs under importation goods made by customer.
yang telah dilakukan oleh nasabah.

Advice LC/SKBDN Advice LC/SKBDN


Jasa yang diberikan oleh Bank untuk penerusan LC atau A service provided by the bank for advising the LC/SKBDN
SKBDN kepada pihak Beneficiary dari LC/SKBDN. to the beneficiary of LC/SKBDN.

Laporan Tahunan 2016 Annual Report


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Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Produk dan Layanan


Products and Services

Preshipment Financing Preshipment Financing


Pembiayaan jangka pendek yang diberikan kepada eksportir Short-term financing provided to exporter in order to
untuk memenuhi kebutuhan modal kerja pembelian bahan fulfill their working capital for purchasing raw materials,
baku, proses produksi sebelum pengapalan berdasarkan production process etc, prior to shipment related to LC/
atas LC/SKBDN atau PO yang diteria oleh eksportir. SKBDN or PO received by exporter.

Pembiayaan Post Shipment (Negosiasi/ Post Shipment Financing (Negotiable/


Diskonto) Discount)
Pembiayaan jangka pendek yang diberikan kepada eksportir Short term financing provided to exporter when the
yang telah melakukan pengapalan barang atas dasar LC atau shipment is already made related to LC/SKBDN and the
SKBDN dimana sumber pelunasan pembiayaan berasal financing will be settled by proceed received from issuing
dari hasil penerimaan pembayaran dari Bank Penerbit LC/ bank of LC/SKBDN.
SKBDN.

Pembiayaan Invoice – Penjual Invoice Financing – Sales (for Seller)


Pembiayaan modal kerja jangka pendek yang diberikan Short-term financing provided to the Seller for financing
kepada Penjual untuk membiayai tagihan /invoice kepada the bill (invoice) under selling goods to buyer in order the
pembeli agar menerima dana lebih cepat dengan pelunasan seller receive immediate fund and the financing will be
berasal dari hasil pembayaran yang diterima dari pembeli . settled after receiving the payment form the buyer.

Pengiriman Dokumen Ekspor Non LC Outward Documentary Collection


Jasa yang diberikan nasabah/eksportir/penjual untuk A service for outgoing documentary collection provided to
penagihan pembayaran kepada pembeli melalui pengiriman customer/exporter/seller whereby the Bank collects the
dokumen kepada bank pembeli dimana bank pembeli akan payment from buyer through dispatching documents to
menyerahkan dokumen kepada pembeli setelah pembeli buyer’s bank and buyer’s bank will surrender the documents
membayar atau memberikan akseptasi. upon receipt payment or acceptance from the buyer.

Transferable L/C/SKBDN Transferable L/C/SKBDN


Layanan yang diberikan kepada first beneficiary/eksportir/ A Service provided to first beneficiary/ exporter/seller who
penjual yang bertindak sebagai agen atau perantara dalam acts as agent or middle-man for a supplier whereby Bank
penyediaan barang dimana Bank melakukan transfer transfer a transferrable LC /SKBDN in its entirety or in part
atas suatu transferable LC/SKBDN baik seluruhnya atau to another beneficiary (“ second beneficiary”)
sebagian kepada beneficiary lain (“ second beneficiary”).

Bank Garansi Bank Guarantee


Suatu jaminan tertulis yang diterbitkan oleh Bank atas nama A written undertaking issued by Bank on behalf of customer
nasabah kepada penerima bank garansi yang mengacu to the beneficiary of bank guarantee that subject to
kepada hukum Indonesia dimana Bank akan membayar Indonesian Law where Bank will pay the beneficiary’s claim
klaim dari pihak beneficiary jika nasabah wanprestasi dalam if customer has failed to fulfill their obligation under the
memenuhi kewajibannya berdasarkan kontrak yang dibuat contract made by beneficiary and customer.
oleh beneficiary dan nasabah.

Standby LC Standby LC
Suatu jaminan tertulis yang diterbitkan oleh Bank atas nama An irrevocable undertaking issued by Bank on behalf of
nasabah kepada penerima dari SBLC yang tunduk kepada customer to the beneficiary of SBLC that subject to UCP
UCP 600/ISP 98 dimana Bank akan membayar penerima 600 or ISP 98 whereby the bank will pay the beneficiary
pada saat menerima tagihan yang sesuai dengan persyaratan upon presentation of a demand complying with the terms
SBLC. of the SBLC.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
79
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

Demand Guarantee Demand Guarantee


Suatu jaminan tertulis yang diterbitkan oleh Bank atas nama A irrevocable undertaking issued by Bank on behalf
nasabah kepada penerima dari Demadn Guarantee yang of customer to the beneficiary of Demand Guarantee
tunduk kepada URDG 758 dimana Bank akan membayar that subject to URDG 758 whereby the bank will pay the
penerima pada saat menerima tagihan yang sesuai dengan beneficiary upon presentation of a demand complying with
persyaratan Demand Guarantee. the terms of the Demand Guarantee.

Counter Guarantee Counter Guarantee


Jaminan tertulis yang diterbitkan oleh Bank untuk A written undertaking issued by bank on behalf of customer
kepentingan nasabah kepada Bank Lain yang meminta Bank to another Bank instructing another bank to issue a
Lain untuk menerbitkan suatu penjaminan dimana Bank guarantee to the beneficiary whereby Bank will make
akan membayar Bank Lain tersebut jika ada tagihan atau payment to another bank if there is demand or claim made
klaim yang dibuat oleh pihak penerima dari penjaminan by the beneficiary of guarantee.
tersebut.

Shipping Guarantee Shipping Guarantee


Jaminan yang diterbitkan oleh Bank sebagai Issuing Guarantee issued by the Bank who acts as issuing bank of
Bank dari LC/SKBDN yang ditujukan kepada perusahaan LC/SKBDN to shipping company for releasing the goods to
pelayaran atau agennya untuk penyerahan barang tanpa without original bill of lading.
mempergunakan asli Bill of Lading.

TradeConnex TradeConnex
Layanan electronic trade finance dimana nasabah dapat Electronic Trade Finance service by which customers can do
melakukan transaksi secara online sehingga penyerahan online trade transaction whereby application submission
permohonan transaksi dapat dilakukan lebih cepat dan will be more faster and efficient.
efisien.

Layanan Kustodian Custodian Services


Safekeeping Safekeeping
Penyimpanan surat berharga baik dalam bentuk warkat Safekeeping facilities for securities hold whether in script or
(script) ataupun tanpa warkat (scriptless) yang meliputi: scripless form, includes:
• ­Pencatatan & Safekeeping • Recording & Safekeeping
• ­Registrasi & Konversi • Registration & Conversion
• ­Pelaporan Portofolio Efek • Reporting the securities portfolio

Settlement Settlement
Layanan Penyelesaian Transaksi yang meliputi: Performing transaction settlement that includes:
• ­Penerimaan & Pengiriman Efek • ­Receiving & Delivering Securities
• ­Penerimaan & Pembayaran atas Transaksi Efek • ­ Receiving & Delivering Payment of Securities
Transaction
• ­Transfer dana • ­Clean Payment
• Penyelesaian transaksi efek luar negeri ( melalui
­ • ­ Securities Settlement of Overseas Transaction (via
Clearstream/Euroclear) EuroClear/Clearstream)

Aksi Korporasi Corporate Action


Layanan untuk mendukung aksi korporasi yang Support corporate action of institutional customers includes:
dilakukan nasabah institusional meliputi:
• ­Pemberian informasi mengenai corporate event yang • ­ nnouncement of corporate event held by issuer (both
A
diumumkan oleh penerbit efek baik yang bersifat wajib mandatory and voluntary announcement)
(mandatory) ataupun Tidak wajib (voluntary)

Laporan Tahunan 2016 Annual Report


80 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Produk dan Layanan


Products and Services

• ­Distribusi Pendapatan • ­Income Distribution


• ­Proxy Rapat Umum Pemegang Saham/Obligasi • ­Proxy of General Meeting of Shareholders/Bondholder

Registrasi Unit Penyertaan Unit Registry


Melakukan pencatatan dan pengadministrasian Unit Recording & Administering Unit Participant of Mutual Fund/
Penyertaan reksa dana dan unit link, meliputi: Discretionary Fund/Unit Link, include:
• ­Pencatatan dan pengadministrasian serta pelaporan • ­Unit Holder registration, administration, and Reporting
atas kepemilikan Unit penyertaan • ­ Registration and administration of subscription,
• ­Pencatatan dan pengadministrasian atas pembelian, redemption or switching process of unit holder.
penjualan kembali serta konversi dari unit penyertaan

Layanan Fund Accounting / Reksa Dana Fund Accounting Service


Pencatatan, Pelaporan, administrasi dan pengawasan Recording, reporting, administering, and compliance
kepatuhan portofolio dan aktivitas investasi dalam laporan monitoring Funds Portfolio & activities in Nett Asset Value
Nilai Aktiva Besih (NAB)/Laporan valuasi berdasarkan (NAV)/Valuation report based on Standard Accounting rules
standar akuntansi dan regulasi. and regulation.

Layanan Agency Agency Service


Jasa Agency sebagai Agen Perantara yang meliputi kegiatan Agency services whereas could acting as Facility Agent,
sebagai : Agen Fasilitas (Facility Agent), Agen Penampungan Escrow Agent, Security Agent, Monitoring Agent, Paying
(Escrow Agent), Agen Jaminan (Security Agent), Agen Agent, Receiving Bank and other agency services.
Pemantau (Monitoring Agent), Agen Pembayaran (Paying
Agent), Agen Penerimaan (Receiving Bank) ataupun jasa
sejenis lainnya.

Cash Management Cash Management

Collection Services Collections Services


Layanan Penyetoran Uang Tunai/Cek Cash/ Cheque Deposits
Layanan bank untuk penerimaan setoran tunai, cek atau Banking service for cash, cheque or bilyet giro deposits.
bilyet giro.

Inkaso Inkaso
Layanan bank untuk penerimaan bilyet giro luar kota yang Banking service to collect bilyet giro where the issuing bank
mana bank tertarik berada di luar wilayah kliring. located outside clearing area.

Pengiriman Dana Masuk (SKN/RTGS)


Layanan bank untuk penerimaan transfer dana dari bank Incoming Transfer (SKN/RTGS)
domestik lain yang dapat dilakukan melalui proses Sistem Banking services to receive incoming transfer from other
Kliring Nasional (SKN) atau Real Time Gross Settlement domestic banks by Sistem Kliring Nasional (SKN) or Real
(RTGS) yang berlaku di Bank Indonesia. Time Gross Settlement (RTGS) processed by Central Bank.

Kliring Intercity
Layanan bank untuk penerimaan cek atau bilyet giro luar Intercity Clearing
wilayah kliring untuk diproses sebagai kliring lokal. Layanan Banking service to collect bilyet giro where the issuing
ini dapat digunakan sepanjang bank tertarik merupakan bank located outside clearing area to be processed at local
anggota intercity clearing. clearing. This service is only available when issuing bank is a
member of intercity clearing.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
81
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

Direct Debit
Layanan bank untuk proses penagihan melalui pendebetan Direct Debit
dana dari beberapa rekening sekaligus ke satu rekening A simple, safe and fast banking service for billing process
tujuan melalui proses yang mudah, aman dan cepat. Layanan through the debiting of fund from several banking accounts
ini pada umumnya digunakan untuk proses pembayaran at once and credit to one certain account. This banking
tagihan misalnya pembayaran PLN, PAM dan tagihan- service is commonly used for bulk and periodical bills
tagihan lainnya yang biasanya dilakukan secara massal dan payment such as electricity, water, other utilities, etc.
berkala.

Layanan Pengambilan Uang


Layanan dimana Maybank bekerja sama dengan pihak ketiga Cash Pick Up Service
melakukan proses pengambilan (pick up) uang tunai dari Maybank Banking service in cooperation with third party
lokasi nasabah sesuai dengan instruksi dan denominasi yang partner to conduct cash pick up from customers’ place in
diinginkan. denomination required.

Disbursement Service
Pengiriman Uang dalam satu bank Layanan bank untuk Disbursement Service
proses pembayaran atau pemindahan dana (overbooking) In-House transfer Banking service to perform payment or
antar rekening yang berada di Maybank. overbooking within Maybank’s accounts.

Pengiriman Uang ke Bank Lain (SKN/RTGS)


Layanan bank untuk proses pembayaran atau pengiriman Outgoing Transfer (SKN/RTGS)
dana melalui proses Sistem Kliring Nasional (SKN) atau Real Banking service to perform payment or fund transfer to
Time Gross Settlement (RTGS) ke rekening pihak ketiga yang other domestic bank accounts through Sistem Kliring
berada di bank domestik lainnya. Nasional (SKN) or Real Time Gross Settlement (RTGS).

Pengiriman Mata Uang Asing (Remittance)


Layanan bank untuk proses pengiriman dana dalam bentuk Foreign Currency Transfer (Remittance)
valas (mata uang asing) melalui aplikasi SWIFT ke rekening Banking service to perform foreign currency transfer to
pihak ketiga yang berada di bank domestik maupun di luar other domestic or foreign bank accounts through SWIFT
negeri. application system.

Cek/Instruksi Pembayaran/Bilyet Giro


Instrumen atau media yang diberikan oleh bank kepada Cheque/Payment Order/Bilyet Giro
nasabah untuk melakukan pembayaran atau penarikan dana Media or instrument used to perform payment or cash
dari rekening. withdrawal from bank accounts.

Pembayaran Gaji
Layanan pembayaran gaji bagi perusahaan yang menjadi Payroll
nasabah giro baik giro Rupiah maupun giro valas di Maybank. Salaries payment service available for corporate customer
Dengan menggunakan fasilitas Payroll, perusahaan cukup who have demand deposits at Maybank, both Rupiah and
mengirimkan daftar gaji melalui berbagai media yang telah foreign currency account at Maybank. This facility enables
ditentukan tanpa harus mengunjungi cabang dan proses customer to simply send payment list through specified
pembayaran akan berlangsung secara aman, efisien dan media without having to come to branch, and the payment
hemat waktu. service will be perform in a safe, efficient and fast way.

Bulk Payment
Layanan pembayaran secara massal kepada supplier, agen Bulk Payment
dan distributor. Bulk payment service to supplier, agent and distributor.

Laporan Tahunan 2016 Annual Report


82 PT BANK MAYBANK INDONESIA TBK
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Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Produk dan Layanan


Products and Services

Host to Host (H2H) Bulk Payment


Layanan pembayaran secara masal kepada supplier, agen Host to Host (H2H) Bulk Payment
dan distributor secara host to host melalui jaringan SFTP Bulk payment service to supplier, agent and distributor thru
(Secure File Transfer Protocol) host to host process via SFTP (Secure File Transfer Protocol)
network
Pembayaran Pajak, Cukai dan Bea Masuk
Layanan bank untuk penerimaan pembayaran pajak yang
meliputi pajak penghasilan (PPh), pajak pertambahan nilai Tax & Excise Payment
(PPn), cukai dan bea masuk. Banking service for tax and excise payment includes income
tax (PPh), value added tax (VAT) and excise payment.
Layanan Pengantaran Uang
Layanan di mana Maybank bekerja sama dengan pihak Cash Delivery Service
ketiga melakukan proses pengantaran (delivery) uang tunai Banking service Maybank in cooperation with third party
ke lokasi nasabah sesuai dengan instruksi dan denominasi partner to conduct cash delivery to customers’ place in
yang diinginkan. denomination required.

Perintah Transaksi
Surat perintah (instruction letter) yang diberikan oleh Standing Instruction
nasabah pemilik rekening (authorized signer) kepada Bank The presentation of instruction letter from authorized signer
untuk dilakukan pemindahan dana dari rekening nasabah ke to the Bank to perform fund transfer from signer’s account
rekening pihak ketiga yang ditunjuk oleh nasabah. to designated third party account.

Manajemen Likuiditas
Liquidity Management
Sweeping
Layanan bank untuk proses pemindahan dana secara Sweeping
otomatis antar rekening nasabah yang berada di Maybank Automatic fund transfer process within Maybank accounts
dengan tujuan mengoptimalkan arus kas (perpindahan owned by one customer in order to optimize cashflow and
dana) dan memaksimalkan hasil pengembalian (bunga jasa maximize return (interest from deposits).
rekening).

Notional Pooling
Layanan bank yang dikhususkan untuk rekening giro dengan Notional Pooling
mata uang yang sama untuk memperoleh perhitungan National pooling of consolidated balance of several demand
bunga jasa giro secara khusus dari hasil penggabungan deposits with similar currency to earn special pricing which
saldo konsolidasi sejumlah rekening dengan menggunakan is calculated based on interest rate of the main account.
suku bunga rekening induk. Dengan national pooling This type of banking service enables customer to maximize
maka nasabah dapat memaksimalkan bunga jasa giro, interest income from demand deposits, minimize overdraft
meminimalisasi bunga overdraft, mengelola perpindahan interest and manage fund transfer at the same time. Income
dana, serta seluruh keuntungan national pooling dapat gained from this national pooling service will be credited to
langsung dikreditkan ke rekening anggota secara each account member proportionally.
proporsional.

Corporate Electronic Channels


Corporate Electronic Channels
CoOLBanking (Corporate Online Banking)
Merupakan fasilitas atau layanan online banking berbasis CoOLBanking (Corporate Online Banking)
internet (web based) yang memberikan kemudahan dalam Web based online banking service that offers simplicity in
melakukan transaksi perbankan bagi nasabah institusional performing banking transactions for institutional customers,
mulai dari nasabah UKM, Komersial sampai dengan nasabah ranging from SME, Commercial to Corporate customers.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
83
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

Korporasi. Melalui fitur-fitur CoOLBanking, transaksi CoOLBanking features enable customers to efficiently and
perbankan dapat dilakukan secara lebih efisien dan aman safely perform all banking transactions include fund transfer
seperti: transaksi pengiriman uang (transfer) baik antar (overbooking to other Maybank accounts and transfer to
rekening Maybank maupun ke rekening bank lain baik secara other Bank) whether in single or bulk payment, balance
single atau bulk payment, informasi saldo rekening dan inquiry, and other real time online transactions.
mutasi harian yang terkini (real time online).

Pemindahbukuan
Fitur untuk transaksi transfer antar rekening Maybank. Overbooking
Fund transfer within Maybank accounts.
Pengiriman Uang ke Bank Lain (SKN/RTGS)
Fitur untuk transaksi transfer IDR ke bank lain melalui SKN/ Outgoing Transfers (SKN/RTGS)
RTGS. IDR Fund transfer to other bank account through SKN/RTGS.

Pengiriman Mata Uang Asing (Remittance) Foreign Currency Transfer (Remittance)


Fitur untuk transaksi transfer valas ke bank lain. Foreign currency fund transfer to other bank account.

Domestic Online
Fitur untuk transfer IDR ke Bank Lain melalui jaringan Domestic Online
switching IDR Fund transfer to other bank account through the
switching network
Multi Payment
Fitur untuk transaksi transfer kepada pihak ke-3 secara Multi Payment
massal dengan metode upload data. Fitur Multi Payment Multi fund transfer to multiple account using upload data
terdiri dari pemindahbukuan dan Transfer Domestik (melalui method. Multi payment includes overbooking and domestic
SKN/RTGS). transfer (through SKN/RTGS).

Pembayaran Gaji
Fitur untuk transaksi pembayaran gaji karyawan secara Payroll
massal dengan metode upload data. Fitur Payroll terdiri dari Salaries bulk payment transaction using upload data
pemindahbukuan dan Transfer Domestikr (melalui SKN/ method. Payroll service includes overbooking and domestic
RTGS). transfer (through SKN/RTGS).

Multi Debet Multi Debit


Fitur untuk transaksi pendebetan massal dari beberapa Bulk debit transaction from multiple accounts to be credited
rekening sekaligus dan dikreditkan ke satu rekening tujuan. to one beneficiary account. Transaction performed using
Transaksi dilakukan dengan menggunakan metode upload upload data method.
data.

Sweep In Sweep In
Fitur ini memungkinkan pemindahan dana dari seluruh Banking service to perform multi fund transfer from a group
rekening anak ke rekening induk, dengan menyisakan of accounts to one main account, leaving minimum balance
minimum saldo pada rekening anak. Tipe dana yang disisakan at origin accounts. Minimum account balance at origin
dapat berupa nominal tetap dan persentase. account can be in fix amount or percentage.

Sweep Out Sweep Out


Fitur ini memungkinkan pemindahan dana dari rekening Banking service to perform multi fund transfer from one
induk ke rekening anak, dengan besar nominal yang dapat main account to a group of accounts in amount that can be
di atur sesuai dengan kebutuhan operasional masing-masing adjusted based on each accounts requirement. Type of fund
rekening anak. Tipe dana yang dipindahkan dapat berupa transferred can be in fix amount or percentage.
nominal tetap dan persentase.

Laporan Tahunan 2016 Annual Report


84 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Produk dan Layanan


Products and Services

Sweep Balance Sweep Balance


Fitur ini memungkinkan pemindahan dana dari seluruh Banking services that enables customers to perform multi
rekening anak ke rekening induk atau sebaliknya, dengan transfer from a group of accounts to one main account and
mengatur minimum dan maksimum saldo pada rekening vice versa, by setting minimum and maximum balance at
anak. each members of child account.

Account Statement Account Statement


Fitur untuk menampilkan laporan mutasi transaksi. Feature to display account statement.

Permintaan Buku Cek/Bilyet Giro Cheques/Bilyet Giro Request


Fitur ini memungkinkan nasabah memesan sejumlah buku Banking services that enable customers to order cheque
cek/bilyet giro kepada bank. book/bilyet giro.

Tax Payment Tax Payment


Fitur ini memungkinkan nasabah untuk melakukan Banking service that enables customers to perform tax
pembayaran pajak secara elektronik yang meliputi pajak payment electronically includes income tax (PPh), value
penghasilan (PPh), pajak pertambahan nilai (PPN) dan pajak added tax (VAT) and other tax types.
lainnya.

CoOLPAY (Corporate Online Payment CoOLPAY (Corporate Online Payment


Gateway & Financial Value Chain) Gateway & Financial Value Chain)
Menggunakan teknologi internet (web based) dan dilengkapi Web based real time online banking services supported
dengan sistem pengamanan yang berlapis yang dapat by layered security system that is specially designed for
dinikmati nasabah perusahaan khususnya untuk komunitas institutional customers. With CoOLPAY, payment transaction
bisnis dengan akses real time online. Dengan menggunakan among business units within business community will be
CoOLPay, berbagai macam transaksi dan informasi easily managed and reconciled using security system namely
pembayaran antar unit di dalam sebuah komunitas bisnis “security token”.
menjadi begitu mudah dilakukan dan direkonsiliasi dengan
dukungan pelayanan dan perlindungan fitur keamanan
“Security Token” yang prima.

Payment gateway Payment gateway


Layanan berbasis komunitas bisnis seperti agen perjalanan, Community based banking services, i.e. community of travel
asuransi dan lain-lain yang mana transaksi dan alur informasi agent, insurance company, etc, in which banking transaction
antar unit di komunitas dapat diakomodasi dengan efektif and information among community member can be
dan efisien. effectively and efficiently accommodate.

Financial Value Chain Financial Value Chain


Layanan kepada nasabah UKM (Usaha Kecil Menengah) Banking services intended for SME (Small Medium
antara lain Supply Chain dan Pembiayaan Distributor. Enterprise) customers includes Chain and Distributor
Financing.

Maybank2E Maybank2E
Maybank2E adalah Solusi elektronik banking dengan Maybank2E is Electronic banking solution with regional
kemampuan regional yang dapat diakses melalui jaringan capability that can be accessed through secure internet
yang terpercaya (aman), yang memudahkan Nasabah connection which enables Maybank Indonesia customers
Maybank Indonesia untuk mengatur Cash Management to manage their Cash Management. With Maybank2E,
mereka. Melalui Maybank2E, Nasabah Maybank Indonesia Maybank Indonesia customers can access their Maybank
juga dapat mengakses rekening Maybank mereka yang ada account in other country
di luar negeri.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
85
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

Pemindahbukuan Overbooking
Fitur untuk transaksi transfer antar rekening Maybank. Fund transfer within Maybank accounts. Outgoing Transfers
Pengiriman Uang ke Bank Lain (SKN/RTGS) Fitur untuk (SKN/RTGS) IDR Fund transfer to other bank account
transaksi transfer IDR ke bank lain melalui SKN/RTGS. through SKN/RTGS.

Pengiriman Mata Uang Asing (Remittance) Foreign Currency Transfer (Remittance)


Fitur untuk transaksi transfer valas ke bank lain. Foreign currency fund transfer to other bank account.

Multi Payment Multi Payment


Fitur untuk transaksi transfer kepada pihak ke-3 secara Multi fund transfer to multiple account using upload data
massal dengan metode upload data. Fitur Multi Payment method. Multi payment includes overbooking and domestic
terdiri dari pemindahbukuan dan Transfer Domestik (melalui transfer (through SKN/RTGS).
SKN/RTGS).

Pembayaran Gaji Payroll


Fitur untuk transaksi pembayaran gaji karyawan secara Salaries bulk payment transaction using upload data
massal dengan metode upload data. Fitur Payroll terdiri dari method. Payroll service includes overbooking and domestic
pemindahbukuan dan Transfer Domestikr (melalui SKN/ transfer (through SKN/RTGS).
RTGS).

Multi Debet Multi Debit


Fitur untuk transaksi pendebetan massal dari beberapa Bulk debit transaction from multiple accounts. Transaction
rekening sekaligus. Transaksi dilakukan dengan performed using upload data method.
menggunakan metode upload data.

Sweep In Sweep In
Fitur ini memungkinkan pemindahan dana dari seluruh Banking service to perform multi fund transfer from a group
rekening anak ke rekening induk, dengan menyisakan of accounts to one main account, leaving minimum balance
minimum saldo pada rekening anak. Tipe dana yang disisakan at origin accounts. Minimum account balance at origin
dapat berupa nominal tetap dan persentase. account can be in fix amount or percentage.

Sweep Out Sweep Out


Fitur ini memungkinkan pemindahan dana dari rekening Banking service to perform multi fund transfer from one
induk ke rekening anak, dengan besar nominal yang dapat main account to a group of accounts in amount that can be
di atur sesuai dengan kebutuhan operasional masing-masing adjusted based on each accounts requirement. Type of fund
rekening anak. Tipe dana yang dipindahkan dapat berupa transferred can be in fix amount or percentage.
nominal tetap dan persentase.

Sweep Balance Sweep Balance


Fitur ini memungkinkan pemindahan dana dari seluruh Banking services that enables customers to perform multi
rekening anak ke rekening induk atau sebaliknya, dengan transfer from a group of accounts to one main account and
mengatur minimum dan maksimum saldo pada rekening vice versa, by setting minimum and maximum balance at
anak. each members of child account.

Portfolio Management Portfolio Management


Fitur untuk menampilkan Total Asset dan Liabilities dari Feature to display the Total Assets and Liabilities of
nasabah customers

Account Statement Account Statement


Fitur untuk menampilkan laporan mutasi transaksi. Feature to display account statement.

Laporan Tahunan 2016 Annual Report


86 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Produk dan Layanan


Products and Services

User Linking User Linking


Fitur regional yang memungkinan nasabah untuk melihat Regional feature than enable customer to view their
portofolio dan melakukan transaksi atas rekening nasabah portfolio and perform transactions on their accounts in
yang ada di Maybank Group. Maybank Group.

Permintaan Buku Cek/Bilyet Giro Cheques/Bilyet Giro Request


Fitur ini memungkinkan nasabah memesan sejumlah buku Banking services that enable customers to order cheque
cek/bilyet giro kepada bank. book/bilyet giro.

Tax Payment Tax Payment


Fitur ini memungkinkan nasabah untuk melakukan Banking service that enables customers to perform tax
pembayaran pajak secara elektronik yang meliputi pajak payment electronically includes income tax (PPh), value
penghasilan (PPh), pajak pertambahan nilai (PPN) dan pajak added tax (VAT) and other tax types.
lainnya.

Bill Payment Bill Payment


Fitur ini memungkinkan nasabah untuk melakukan Banking service that enables customers to pay their bills
pembayaran tagihan nasabah seperti: Kartu Kredit such as: Maybank Credit Card, Telkom, Telkomsel, Speedy
Maybank,Telkom,Telkomsel,Speedy dan Indihome. and Indihome.

Layanan Remittances TKI TKI (Indonesian Migrant Workers)


Remittances Services
Antar Rekening Account to Account
Layanan pengiriman dana untuk transaksi remittance di Remittance services resulted from collaboration between
mana Maybank bekerja sama dengan Maybank Malaysia Maybank and Maybank Malaysia that offers fund transfer
menawarkan jasa pengiriman uang ke rekening penerima services to all Maybank accounts or other domestic bank
baik yang berada di Maybank maupun di bank domestik accounts within Indonesia.
lainnya di seluruh Indonesia.

Dari Rekening ke Uang Tunai (Maybank Account to Cash (Maybank Money Express)
Money Express)
Layanan pengiriman dana untuk transaksi remittance di Remittance services resulted from collaboration between
mana Maybank bekerja sama dengan Maybank Malaysia Maybank and Maybank Malaysia that offers cash transfer
menawarkan jasa pengiriman uang tunai dari nasabah services from customers, especially Indonesian labor
khususnya TKI ke penerima di seluruh Indonesia. Dengan (TKI) to beneficiary located throughout Indonesia. With
layanan ini, penerima dapat melakukan penarikan dana tunai Maybank Money Express, beneficiary is able to perform cash
di setiap cabang Maybank dan atau outlet pihak ketiga withdrawal at all Maybank branches of at third party partner
yang bekerja sama dengan Maybank tanpa harus menjadi outlets by simply showing his identity card.
nasabah Maybank dan dengan hanya menunjukkan kartu
identitas penerima.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
87
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

CFS Non Retail Business


CFS Non Retail Business

SUKA (Solusi Usaha Kecil&menengAh) SUKA (Solusi Usaha Kecil&menengAh)


Merupakan fasilitas kredit yang diberikan kepada para A loan facility for entrepreneurs who require Working
pengusaha yang membutuhkan pembiayaan modal kerja, Capital, Investment, or Export-Import facilities with loan
ekspor-impor, atau investasi dengan plafond berkisar limit ranging from more than Rp1 billion up to Rp10 billion.
antara di atas Rp1 miliar hingga Rp10 miliar dengan jangka SUKA provides a fast service, simple requirements and
waktu tertentu. Program SUKA memberikan layanan cepat, flexible collateral.
persyaratan mudah dan jaminan yang fleksibel.

Supply Chain Financing Supply Chain Financing


Program yang dirancang khusus memenuhi kebutuhan A tailor made program designed to fulfill each Principal’s
keuangan principal dan mata rantai pasokannya, mencakup and its supply chain’s financial needs. The program package
pembiayaan dan cash management. Program ini juga includes loan facility and cash management. It is also
didukung dengan layanan CoOLPay yaitu sistem otomatis supported with CoOLPay service, an automated system
yang dapat menyederhanakan proses administrasi. which can simplify administration process.

Community Financing Community Financing


Layanan perbankan yang mencakup layanan transaksi antar Banking service which include inter account transaction
rekening dan produk pembiayaan yang didesain untuk services and loan product which is designed for entrepreneurs
pengusaha yang bergerak dalam bidang usaha sejenis dan who are engaged in similar business and are joined in a
tergabung dalam perkumpulan/organisasi/ asosiasi bisnis business league/organization/association of a particular
pada industri tertentu, dengan tujuan untuk memenuhi industry. The program is aimed to fulfill the business needs
kebutuhan usaha para anggota perkumpulan/organisasi/ of the particular business league/organization/association
asosiasi bisnis tersebut di dalam menjalankan serta members in running and growing their business.
meningkatkan skala usahanya.

Commercial Property Financing Commercial Property Financing


Fasilitas kredit jangka panjang yang diberikan kepada A long term loan facility provided for customers to finance
para debitur untuk pembiayaan properti komersial the procurement of commercial property, which is utilized
yaitu lahan yang digunakan oleh debitur untuk by customers to run its business such as kiosk, warehouse,
menjalankan usahanya seperti kios, outlet, ruko, shophouse, factory, and office space/building.
pabrik, dan perkantoran.

Commercial Vehicle Financing (KPM Niaga) Commercial Vehicle Financing (KPM Niaga)
Fasilitas kredit yang diberikan kepada para debitur A loan facility provided to customers to finance the
untuk pembelian kendaraan niaga/penumpang baru procurement of commercial vehicle for business purposes.
dengan tujuan bisnis.

Franchise Financing Franchise Financing


Fasilitas kredit yang diberikan kepada para debitur untuk A loan facility provided to meet customers’ needs in
pembiayaan usaha waralaba baik itu modal kerja pengadaan financing franchise business both working capital for
persediaan maupun investasi outlet, dengan jangka waktu inventory procurement and investment of outlet, with a
tertentu. Program ini merupakanhasil kerjasama Maybank certain loan term. This program is cooperation between
dengan franchisor. Maybank and Franchisor(s).

Pembiayaan Alat Berat Heavy Equipment Financing


Fasilitas kredit yang diberikan kepada para debitur untuk A loan facility provided to customers to finance the
pembiayaan pembelian alat-alat berat kepada principal procurement of heavy equipments with a certain credit
dengan jangka waktu tertentu. term.

Laporan Tahunan 2016 Annual Report


88 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Produk dan Layanan


Products and Services

Linkage Program Linkage Program


Kerjasama dengan lembaga keuangan mikro, BPR Cooperation with micro financial institutions, Rural Banks
dan Koperasi untuk menciptakan sinergi yang saling and Cooperative to create mutual synergy in serving micro
menguntungkan dalam melayani nasabah mikro kecil. small customers. Through Linkage Program, Maybank acts as
Melalui Linkage Program, Maybank menjadi perpanjangan financial mediator in strengthening the capital of potential
tangan dalam penguatan permodalan untuk pembiayaan micro small business.
usaha mikro kecil yang memiliki potensi berkembang.

Pembiayaan Alat Kesehatan Health Instrument Financing


Fasilitas kredit yang diberikan untuk pembelian alat-alat A loan facility provided to customers to finance health
kesehatan dari principal yang bekerjasama dengan Maybank. instrument procurement from Maybank’s partnered
principal.

SURYA (Solusi Usaha&kaRYA) SURYA (Solusi Usaha&kaRYA)


Fasilitas kredit yang diberikan kepada para pengusaha Kecil A loan facility for Small and Medium entrepreneurs who
dan Menengah untuk membiayai kebutuhan Modal Kerja require Working Capital, or Investment facilities with loan
maupun Investasi dengan pagu kredit (plafond) berkisar limit ranging from more than Rp250 million up to Rp2 billion.
antara Rp 250 juta hingga Rp 2 miliar. Program SURYA SURYA provides a simple loan process, fast and flexible
memberikan proses kredit mudah, cepat, fleksibel dan service, with loan tenor up to 8 years.
dengan jangka waktu kredit sampai dengan 8 tahun.

SPEKTRA (Solusi kePEmilikan Kios eksTRA) SPEKTRA (Solusi kePEmilikan Kios eksTRA)
Fasilitas kredit yang diberikan kepada para pengusaha Kecil A loan facility for Small and Medium entrepreneurs for
dan Menengah berupa pembiayaan pengadaan ruang usaha financing of new business space or renewal of Kiosk Right
baru atau perpanjangan Hak Pakai Kios. to Use.

SATU (Solusi Usaha Terpadu) SATU (Solusi Usaha Terpadu)


Fasilitas pembiayaan usaha kecil dan menengah dengan A working capital loan facility for Small and Medium
pagu kredit (plafond) hingga Rp1 miliar dengan jaminan kios entrepreneurs with loan limit of up to Rp1 billion with
untuk modal usaha. flexible collateral terms such as kiosk.

SINERGI SINERGI
Fasilitas pembiayaan berbasis kartu dengan konsep A card based loan facility with distributor financing concept
pembiayaan distributor yang dikembangkan untuk which is developed to reach MSME business segment.
menjangkau segmen bisnis UMKM.

PIJAR (Pilihan Bijak Mitra Usaha) PIJAR (Pilihan Bijak Mitra Usaha)
Layanan perbankan untuk mendukung pengembangan Banking service to support micro business growth with loan
usaha mikro dengan pagu kredit hingga Rp500 juta dengan limit of up to Rp500 million with fast process and simple
proses cepat dan persyaratan mudah. terms and conditions.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
89
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Produk dan Layanan


Products and Services

CFS RETAIL BUSINESS


Cfs Retail Business

Wealth Management Wealth Management

Maybank Premier Wealth Maybank Premier Wealth


Layanan wealth management yang diberikan kepada para Wealth management services provided to its highend
nasabah prioritas melalui layanan yang eksklusif dan produk- customers through an exclusive service and high quality
produk investasi yang berkualitas yang dirancang sebagai investment products designed as an alternative financial
alternatif solusi keuangan. Layanan wealth management solution. Wealth management services offers end-to-
menawarkan end-to-end benefit yang dilakukan secara end personalized benefits conducted by the Relationship
personalized oleh Relationship Managers (RM) yang Managers (RM), competent and professional to assist
kompeten dan profesional untuk membantu nasabah dalam customers in managing their finances.
mengelola keuangannya.

Produk Investasi Investment Products


Wealth Management menyediakan serangkaian produk Wealth Management provides a range of investment
investasi yang dapat membantu pengelolaan keuangan products that can help customers on the basis of financial
nasabah berdasarkan rencana dan hasil akhir yang optimal, management plans and optimal outcomes, among others:
antara lain:

Deposit Services, Deposit Services,


Berupa beberapa produk simpanan yang memiliki tingkat Variety of Deposit products that have various level of
fleksibilitas sesuai kebutuhan, antara lain: rekening giro, flexibility as required, such as: current accounts, savings
rekening tabungan, deposito on call dan deposito berjangka accounts, deposits on call and time deposits and facilities to
dan fasilitas penggantian mata uang deposito berjangka. convert time deposits currency.

Obligasi Pemerintah, Government Bonds,


Dimana Maybank bertindak sebagai agen penjual yang Whereby Maybank acts as selling agent appointed by
ditunjuk oleh Departemen Keuangan dalam menjual Ministry of Finance (MoF) for selling Government Bonds
Obligasi Pemerintah Republik Indonesia (FR, INDON, ORI / of Republic of Indonesia (FR, INDON, ORI/Obligasi Ritel
Obligasi Ritel Indonesia dan SUKUK / SR / Obligasi Syariah) Indonesia and Sukuk/SR/Sharia Bonds) in primary and
pada Pasar primer dan Pasar Sekunder. secondary market.

Reksa Dana, Mutual Funds,


Dimana Maybank bertindak sebagai agen penjual untuk Whereby Maybank acts as selling agent for mutual fund
produk-produk reksa dana yang diinvestasikan dalam bentuk products that invest in stocks, bonds or money markets.
saham, obligasi, atau pasar uang. Maybank bekerjasama Maybank collaborates with several leading Investment
dengan beberapa perusahaan Manajer Investasi terkemuka Management Firms registered at Financial Services
yang tercatat pada Otoritas Jasa Keuangan (OJK). Authority (OJK).

Bancassurance*, Bancassurance*,
Dimana Maybank bertindak sebagai agen penjual dari Whereby Maybank acts as agent of insurance products
produk-produk asuransi yang dikombinasikan dengan combined with the investment. Currently, Maybank has
investasi. Pada saat ini, Maybank menjalin kerjasama dengan formed a strategic partnership with leading insurance
perusahaan asuransi terkemuka, yaitu PT Prudential Life companies, namely PT Prudential Life Insurance:
Insurance:

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Produk dan Layanan


Products and Services

Forta Series Forta Series


Program Asuransi Jiwa seumur hidup dengan premi berkala A lifetime life insurance product with periodic premium
dan memberikan beberapa pilihan dana investasi. Dikemas payment and various investment product choices, available
dalam 4 paket produk untuk memenuhi semua kebutuhan in 4 different types to meet customers need: Forta Kesehatan
nasabah, yaitu Forta Kesehatan, Forta Pendidikan, Forta (Health), Forta Pendidikan (Education), Forta Pensiun
Pensiun dan Forta Persona. (Pension) and Forta Persona.

Forta iB Series Forta iB Series


Program Asuransi Jiwa seumur hidup dengan premi berkala Sharia based lifetime life insurance product with various
yang dikelola secara syariah dan memberikan beberapa investment product choices, available in 4 different types
pilihan dana investasi. Dikemas dalam 4 Paket produk to meet customers need: Forta Kesehatan (Health), Forta
untuk memenuhi semua kebutuhan nasabah, yaitu Forta Pendidikan (Education), Forta Pensiun (Pension) and Forta
Kesehatan, Forta Pendidikan, Forta Pensiun dan Forta Persona.
Persona.

Forta Premi Tunggal Forta Premi Tunggal


Program Asuransi Jiwa seumur hidup dengan premi tunggal A lifetime life insurance product with single premium and
dan memberikan beberapa pilihan dana investasi. Dikemas various investment product choices that is designed to meet
secara praktis untuk membantu mencapai kebutuhan customers’ need in the future.
nasabah di masa depan.

Forta iB Kontribusi Tunggal Forta iB Kontribusi Tunggal


Program Asuransi Jiwa seumur hidup dengan premi tunggal Sharia based lifetime life insurance product with single
yang dikelola secara syariah dan memberikan beberapa premium and various investment product choices that is
pilihan dana investasi. Dikemas secara praktis untuk designed to meet customers’ need in the future.
membantu mencapai kebutuhan nasabah
di masa depan.

Bijaksana Bijaksana
Program Asuransi Jiwa Berjangka dengan premi berkala A term life insurance product with monthly premium
bulanan, dengan manfaat Uang Pertanggungan sebesar payment and benefit sum assured of 500 times monthly
500x dari premi bulanan dan manfaat pengembalian premi premium amount. Shall there is no claim made during the
100% pada akhir periode pembayaran jika tidak terjadi klaim. policy active period, the policy will return 100% of premium
paid after the policy matures.
*Maybank sebagai agen penjual dengan bisnis model
referensi bukan dalam rangka produk bank *Maybank as a selling agent, offered as a reference product
not banking product
Kredit Properti
Mortgage Loans
Kredit Properti Reguler
Disediakan untuk membiayai pemilikan rumah, apartemen, Kredit Properti Reguler
rumah kantor (rukan) dan rumah toko (ruko) baik dari Financing for house, apartments, home office and home
pengembang (baru) maupun dari pemilik lama (secondary). store, both from the developer (new) or from previous
Selain itu, dapat juga diberikan untuk keperluan pembelian owner (secondary). In addition, also provides land purchase.
kavling.

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Produk dan Layanan


Products and Services

Kredit Properti Multiguna Kredit Properti Multiguna (Home Equity)


Fasilitas kredit yang diberikan untuk membiayai segala Loan facilities to finance all consumptive needs with
kebutuhan konsumtif dengan menggunakan rumah/ collateral using house/apartment/home store. In addition,
apartemen/ruko sebagai agunan. Selain itu, dapat juga also financing for house renovation/construction.
digunakan untuk konstruksi / renovasi rumah.

Maxi Cash Maxi Cash


Fasilitas kredit yang menawarkan fleksibilitas dalam tata Loan facilities that offer flexibility in payment, fund
cara pembayaran, penarikan dana dan pembayaran cicilan. withdrawal and installment.

Secara konsisten Maybank terus mengembangkan produk Consistently Maybank continues to enhance attractive and
dan program yang dikemas secara atraktif dan inovatif bagi innovative products and programs for customers and offer
nasabah dan menawarkan mekanisme proses kredit yang quick loan process mechanism, such as :
cepat, yaitu:
• ­KPR Floating Rate yang menawarkan suku bunga • ­ PR Floating Rate, which offers transparent floating rate
K
floating yang transparan berdasarkan BI rate + 3,25% based on SBI 12 months + 3.25% (for primary market),
(untuk primary market) dan BI rate + 3,50% (untuk SBI 12 months + 3.50% (for secondary market), and SBI
secondary market dan Kredit Properti Multiguna). 12 months + 3.75% (for home equity).
• ­KPR Bebas Bunga (bundling KPR dengan rekening • KPR Bebas Bunga (bundling products between
­
tabungan), dimana rekening debitur dan keluarganya mortgage loan and savings), which is saving account
dapat memperingan cicilan bunga KPR bahkan hingga of debtor and family can reduce mortgage interest
bebas bunga. installment to free interest.
• ­KPR Bunga Fix 10 tahun yang memberikan suku bunga • ­KPR Bunga Fix 10 tahun, 10 years fixed rate.
fix selama 10 tahun. • ­KPR Angsuran Tetap, which offers fixed installment
• ­KPR Angsuran Tetap, menawarkan angsuran tetap until maturity date, credit term will change as an impact
sampai jatuh tempo kredit dimana jangka waktu of interest rate movements.
kreditnya berubah mengikuti pergerakan suku bunga. • ­KPR Take Over with 9.00% fix 2 years, free provision
• ­KPR Take Over dengan suku bunga 10,25% fix 2 tahun, and credit administration.
bebas provisi dan biaya administrasi kredit. • ­KPR Easy Approved for selected developers, simple
• ­KPR Easy Approved untuk beberapa developer tertentu mortgage process and minimal documentation.
dimana proses KPR relatif lebih mudah dengan • ­KPR Fix & Fix, which offers tiering fixed mortgage rates
dokumentasi yang lebih minim. in the longer term.

KPR Fix & Fix yang menawarkan kepastian bunga bertingkat KPR Fix & Floating Rate, which offers fix rate in the beginning,
dengan jangka waktu yang lebih panjang. and then floating based on SBI 12 months + adjustment.

Kartu Kredit Credit Card

Maybank Kartu Kredit Corporate Maybank Corporate Card


Kartu kredit untuk nasabah korporasi yang dapat digunakan A credit card facility for corporate customers that can be
oleh karyawan yang telah ditunjuk oleh perusahaan used by staff who have been appointed by the company as a
sebagai media pembayaran untuk kepentingan perusahaan medium of payment for the benefit of the company and all
dan seluruh tagihan pembayaran kartu kredit tersebut the credit card bill of payments are the responsibility of the
merupakan tanggung jawab perusahaan. company.

Maybank Kartu Kredit Purchasing Maybank Purchasing Card
Fasilitas kartu kredit yang fungsinya sebagai alat A credit card facility that has functions as a means of
pembayaran bagi pedagang/pemborong/toko (”retailer”) payment for the merchant / contractor / store (“retailer”)
untuk pembelian barang-barang inventori atau jasa yang for the purchase of inventory goods or services purchased
dibeli secara langsung dan rutin dari produsen/kantor pusat/ directly and routine from the manufacturer / head office /
pabrik (”distributor”). factory (“distributor”).

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Produk dan Layanan


Products and Services

Maybank Kartu Kredit Gold Maybank Gold Credit Card


Maybank Kartu kredit ditujukan untuk segmen menengah, Maybank Gold Credit card designated for middle segment
dimana kartu dapat digunakan untuk memenuhi kebutuhan Where’s the card can be used for daily needs.
Anda sehari – hari.

Maybank Kartu Kredit White Maybank White Credit Card


Maybank Kartu Kredit yang ditujukan untuk segment pekerja Maybank credit cards aimed at the segment of new jobbers,
baru, dimana kartu ini tidak hanya mengerti identitas tapi where the card is not only an identity but also understand
juga kebutuhan dan gaya hidup kamu sehari-hari. the needs and lifestyle of you every day.

Maybank Kartu Kredit Platinum Maybank Platinum Credit Card


Kartu kredit yang memberikan fleksibilitas keuangan dan Credit card that offers financial flexibility and various
dapat menikmati keleluasaan bertransaksi yang tiada tara, benefits and convenient transactions, also giving more
serta berbagai keistimewaan lainnya, dan juga Memberikan benefit for those who’s like travelling
berbagai keuntungan bagi Anda yang suka berpergian

Maybank Kartu Kredit Infinite Maybank Infinite Credit Card


Kartu Kredit Visa Infinite dihadirkan khusus bagi nasabah Infinite Visa Credit Card is specially designed for selected
premium terpilih dengan pelayanan yang tak terbatas di premium customers with high level and unlimited services
seluruh dunia dan Kartu yang dipersembahkan khusus bagi around the world, and also presented for traveler.
anda traveler sejati.

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PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
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Produk dan Layanan


Products and Services

PERBANKAN SYARIAH
Sharia Banking

Produk Simpanan Funding Products

Maybank Tabungan iB (IDR Mudharabah) Maybank Tabungan iB (IDR Mudharabah)


Tabungan Multiguna dalam mata uang Rupiah, yang Multipurpose deposits in Rupiah denomination that
diperuntukkan bagi nasabah perorangan yang berdasarkan available for individual customers that is designed based
prinsip Mudharabah, di mana pemilik dana (nasabah) on Mudharabah principle (profit sharing). On Maybank
memberikan kebebasan penuh kepada Maybank Syariah Tabungan iB the customers trust their fund/investment to
untuk mengelola investasinya serta akan memperoleh hasil be managed by Maybank Syariah and will receive return of
investasi sesuai dengan nisbah/porsi yang telah disepakati their investment based on nisbah agreed earlier. Maybank
sebelumnya. Maybank Tabungan iB terdiri dari Maybank Tabungan iB is consisted of Maybank Tabungan Reguler iB,
Tabungan Reguler iB, Maybank Tabungan Gold iB, dan Maybank Tabungan Gold iB, dan Maybank Tabungan Pro iB
Maybank Tabungan Pro iB yang dibedakan berdasarkan that is distinguished by minimum balance, limit, and fee.
ketentuan saldo minimum, limit, dan biaya.

Maybank MyPlan iB (IDR Mudharabah) Maybank MyPlan iB (IDR Mudharabah)


Tabungan berjangka syariah dengan akad Mudharabah Sharia Rupiah saving deposits with akad Mudharabah
Mutlaqah dalam mata uang Rupiah yang diperuntukkan Mutlaqah for special purpose to help customer in financial
khusus untuk membantu nasabah dalam merencanakan planning in the future, for example Haji, Umrah, education,
keuangan masa depan, seperti Haji, Umrah, pendidikan, dan and the others.
lainnya.

Maybank Superkidz iB (IDR Mudharabah) Maybank Superkidz iB (IDR Mudharabah)


Tabungan perorangan berdasarkan akad Mudharabah Indivvidual saving based on akad Mudharabah that opened
yang dibuka oleh Pihak Pertama dan diperuntukkan untuk by first party for second party’s interest, where the second
kepentingan Pihak Kedua yang belum berusia 17 tahun. party is still not 17 years old yet. This saving is type of QQ
Tabungan ini merupakan rekening atas nama (QQ). Pihak account, where the the first party must be at least 17 years
Pertama harus telah berusia di atas 17 tahun atau telah cakap old or has the legal capacity.
hukum.

Maybank Tabunganku iB (IDR Wadiah) Maybank Tabunganku iB (IDR Wadiah)


Tabungan yang hanya diperuntukkan bagi nasabah Saving deposits for individual customer that is managed
perorangan berdasarkan prinsip wadiah (titipan) dengan based on wadiah principle with simple requirements and
persyaratan mudah dan ringan guna menumbuhkan budaya designed as a means to learn the value of saving habits.
dan minat menabung.

Tabungan Maybank Woman One iB Maybank Woman One Savings iB


Maybank Tabungan Woman One iB adalah Tabungan wanita Maybank Woman One Savings is the first specially designed
pertama Indonesia yang dikelola dengan prinsip syariah. savings account dedicated for Woman to meet their lifestyle
and needs with sharia principal.

Maybank Giro iB (IDR, USD Wadiah) Maybank Giro iB (IDR, USD Wadiah)
Rekening koran berdasarkan prinsip Wadiah yang Demand deposits that is managed based on Wadiah principle
diperuntukkan bagi nasabah perorangan maupun perusahaan and designed for both individual and corporate customers
yang menitipkan dananya kepada Maybank Syariah dan who trust their fund at Maybank Sharia and whom require
nasabah diberikan keleluasaan dalam penyetoran, penarikan simplicity in performing deposit, withdrawal and fund
dan pemindahan dana. transfer.

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Produk dan Layanan


Products and Services

Maybank Giro Bisnis iB (IDR Wadiah) Maybank Giro Bisnis iB (IDR Wadiah)
Adalah program yang ditawarkan secara khusus bagi Special program that is available for Sharia Rupiah demand
nasabah pemilik rekening giro Syariah Rupiah (individual deposits customers (individual and non individual) and
dan non individual), dimana nasabah mendapatkan berbagai offered various banking services to support business
pilihan layanan manfaat yang menunjang kelancaran bisnis activities includes low-rate transaction fee, free cheque/
nasabah, dengan keringanan biaya transaksi, Buku Cek/BG bilyet book, and free of charge administration fee.
gratis dan bebas biaya administrasi.

Maybank Giro iB (IDR Mudharabah) Maybank Giro iB (IDR Mudharabah)


Rekening Giro yang dikelola dengan prinsip Syariah. Demand deposits that managed with Sharia principle.

Maybank Deposito iB (IDR, USD Mudharabah) Maybank Deposito iB (IDR, USD Mudharabah)
Produk deposito yang berdasarkan prinsip Mudharabah, di Time Deposit that based on Mudharabah principle where
mana nasabah menginvestasikan sejumlah dananya dalam customers invest certain amount of money at specific time
waktu yang telah disepakati dan memberikan kebebasan frame agreed to be fully managed by the Bank. The customer
penuh kepada bank untuk mengelola investasinya serta will receive return of investment with proportion calculated
akan memperoleh hasil investasi sesuai dengan nisbah/porsi based on nisbah agreed earlier.
yang telah disepakati sebelumnya.

Restricted Proft Sharing Investment Acct iB Restricted Proft Sharing Investment Acct iB
Pengumpulan Dana yang bersifat restricted (untuk tujuan A restricted fund collection (for special financing/
pembiayaan/investasi khusus). Memberikan alternatif investment). Providing alternative investment product
produk investasi yang memungkinkan nasabah dapat which allows customers to determine the underlying asset.
menentukan underlying asset

Produk Pembiayaan Financing Products

Pembiayaan Modal Kerja/Investasi Working Capital/Investment (Musyarakah,


(Musyarakah, Mudharabah, Murabahah, Mudharabah, Murabahah, Isthisna)
Isthisna)
Pembiayaan modal kerja/investasi dengan jangka waktu Sharia based working capital/investment financing with
tertentu berdasarkan prinsip Syariah. certain financing term.

Maybank Rumah Syariah iB (Musyarakah Maybank Rumah Syariah iB (Musyarakah


Mutanaqishah atau Murabahah) Mutanaqishah or Murabahah)
Pembiayaan untuk memiliki rumah/apartemen/ ruko dengan Sharia based product for home/apartment/shophouse
uang muka minimum 20% (khusus untuk akad Musyarakah ownership with minimum down payment of 20% (for
Mutanaqishah), marjin yang menarik, pilihan jenis angsuran Musyarakah Mutanaqishah principle), interesting margin,
tetap atau tidak tetap sampai akhir pembiayaan sesuai various choices of installment, fixed or floating, that is
dengan kebutuhan nasabah, serta fleksibel dalam pelunasan suited customers need. This product also offers flexibility in
sebagian atau keseluruhan. early payment (full or partial).

Maybank Mitra Amanah Syariah (Minna) – Maybank Mitra Amanah Syariah (Minna) –
(Murabahah) (Murabahah)
Pembiayaan modal kerja dan investasi penunjang modal Sharia based working capital/investment financing to
kerja untuk Usaha Mikro Kecil (UKM), khususnya sektor support Small Micro Enterprises (SME), especially for those
usaha dagang, industri dan jasa. in trade, industry and service business.

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Produk dan Layanan


Products and Services

Maybank Tunai Emas iB Maybank Tunai Emas iB


Pembiayaan tunai sesuai prinsip Syariah dengan agunan Sharia financing with gold 16-24 karat as the collateral with
emas 16-24 karat dalam bentuk emas batangan, emas form of gold bars, gold jewelry, and gold coins.
perhiasan, dan koin emas.

Sertifikat Investasi Komoditi Antarbank Sertifikat Investasi Komoditi Antarbank


(SIKA) (SIKA)
Transaksi interbank money market berbasis Murabahah Interbank money market transaction based on Murabahah
dengan underlying komiditi. principle with underlying commodities.

Sertifikat Investasi Mudharabah Antarbank Sertifikat Investasi Mudharabah Antarbank


(SIMA) (SIMA)
Transaksi interbank money market berbasis Mudharabah Interbank money market transaction based on Mudhrabah
dengan underlying aset bank dengan imbal hasil tetap. with underlying bank assets with fix profit sharing.

Maybank Corporate Leasing iB Maybank Corporate Leasing iB


Pembiayaan jangka menengah dan panjang untuk barang Mid to long term financing for working capital that is based
modal dengan akad dasar Al-Ijarah Al-Muntahiyah bi Al- on Al-Ijarah Al-Muntahiyah bi Al-Tamlik (IMBT) principle.
Tamlik (IMBT).

Joint Financing Maybank UUS – Maybank Joint Financing Maybank UUS – Maybank
Finance Syariah Finance Syariah
Pembiayaan untuk pembelian kendaraan bermotor atau alat Sharia and installment based product for automotive or
berat/machinery secara angsuran yang disalurkan melalui machinery ownership through joint finance with Maybank
pembiayaan bersama dengan Maybank Finance sebagai Finance as the Bank’s partner.
mitra Bank.

Layanan Perbankan Syariah Other Sharia Banking Services


Lainnya
Pembayaran Tagihan Bills Payment
Layanan perbankan untuk melakukan tagihan pengeluaran Banking services to perform both scheduled and
rutin dan non-rutin melalui seluruh jaringan Maybank Akses unscheduled bills payment through all Maybank’s electronic
Elektronik seperti pembayaran tagihan listrik, telepon, air channels include electricity bill, telephone bill, water bill
(PAM Palyja), Pajak Bumi dan Bangunan (PBB), Kartu Kredit, (PAM Palyja), land and building tax payment, credit card
tagihan seluler dan pengisian pulsa, Pinjaman Tanpa Agunan bill, cellular bill and prepaid reload, personal loans, loan
(PITA), pembayaran cicilan kredit, pembayaran premi installment, insurance premium payment internet bill, zakat
asuransi, tagihan internet, pembayaran zakat dan donasi, and donation, pay TV payment, tuition fee, and Airline and
tagihan TV berlangganan, pembayaran uang pendidikan, Railway ticket purchasing payment.
serta pembelian tiket pesawat dan kereta api.

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Inovasi Produk dan Solusi Keuangan


Komperehensif untuk Memenuhi
Kebutuhan Nasabah
Product Innovations and Comprehensive Financial Solutions to Meet Customers’ Needs

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VISI Vision
Menjadi penyedia layanan keuangan
terkemuka di Indonesia, yang didukung oleh
sumber daya manusia yang berkomitmen
penuh dan inovatif untuk menciptakan nilai
dan melayani komunitas.
To be the leading financial services provider in Indonesia, driven by
passionately committed and innovative people, creating value and
serving communities.

MISI Mission
Humanising Financial Services
Persetujuan Dewan Komisaris dan
Direksi Mengenai Visi dan Misi Bank
Pada akhir November 2014, Dewan Komisaris
dan Direksi menyelenggarakan pertemuan dan
Menyediakan akses Memberikan memberikan persetujuan untuk menyelaraskan
kembali visi dan misi Bank sesuai dengan
yang nyaman bagi persyaratan dan harga perkembangan strategi yang terakhir yang
masyarakat untuk yang wajar. dilakukan oleh Bank. Penyelarasan visi dan
misi ini juga dilaksanakan berdasarkan ikrar
mendapatkan produk Having fair terms bersama pada saat Maybank Leaders Offsite
dan layanan perbankan. and pricing. Meeting di Bogor, yang diikrarkan bersama-
sama, dan kami sebut sebagai ‘Ikrar Bogor’.
Providing people with Acara ini diselenggarakan pada tanggal
convenient access to 21Maret 2014.
financing.

The Approval of the Board of


Memberikan advice Berada di tengah Commissioners and the Board of
kepada nasabah komunitas. Directors on the Bank’s Vision and
berdasarkan kebutuhan. Being in the heart Mission
of the community. At the end of November 2014, the Board of
Advising customer Commissioners and the Board of Directors
based on their needs. convened and agreed to finetuning the Bank’s
vision and mission in accordance with the
latest strategy taken and implemented by the
Bank. The alignment of vision and mission
was also held in conjunction with the joint
pact during the BII Maybank Leaders Offsite
Meeting di Bogor. The pact was named “Ikrar
Bogor”. The event was held on 21 March 2014.

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NILAI PERUSAHAAN
TEAMWORK
Kami bekerjasama sebagai satu tim yang didasari nilai saling
menghargai dan kebanggaan.
We work together as a team based on mutual respect and dignity.

INTEGRITY
Kami jujur, profesional dan berlandaskan moral dalam semua
kegiatan usaha kami.
We are honest, professional and ethical in all our dealings.

GROWTH
Kami memiliki keinginan yang kuat untuk melakukan peningkatan
dan pembaharuan secara konsisten.
We are passionate about constant improvement and innovation.

EXCELLENCE & EFFICIENCY


Kami berkomitmen untuk menghasilkan kinerja yang terbaik dan
layanan yang prima.
We are committed to deliver outstanding performance and superior services.

RELATIONSHIP BUILDING
Kami secara berkesinambungan membangun hubungan kerjasama
jangka panjang yang saling menguntungkan.
We continuously build long-term and mutually beneficial partnership.

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Perjalanan Kami
Our Journey

1959 1979 1988 1989 1990


Didirikan pada 15 Mei Merger dengan PT Memperoleh ijin Mencatatkan • Menerbitkan kartu
1959 oleh sebelas pelaku Bank Tabungan Untuk sebagai Bank Devisa sahamnya di Bursa Efek kredit Visa dan
usaha yang berasal Umum 1895 Surabaya Earned foreign exchange Jakarta dan Bursa Efek MasterCard
dari Jakarta, Bandung, Merged with PT Bank bank status Surabaya (sekarang • Penerbit pertama
Magelang, Semarang Tabungan Untuk Umum Bursa Efek Indonesia) Travelers Cheque
dan Surabaya 1895 Surabaya Mastercard
Listed its shares on Jakarta
Established on 15 May 1959 Stock Exchange and • Issued Visa and
by eleven businessman Surabaya Stock Exchange MasterCard credit card
from Jakarta, Bandung, (now Indonesian Stock • First issuer of
Magelang, Semarang and Exchange) MasterCard Travelers
Surabaya Cheque

2008 2012 2013 2014


Diakuisisi oleh Malayan • Bank pertama di “Bank Terbaik dalam • Meluncurkan layanan Perbankan Mikro BII
Banking Berhad Indonesia yang Kualitas Layanan” Pilihan Bijak Mitra usaha (PIJAR)
(Maybank) melalui menyediakan selama empat tahun • Menerbitkan obligasi Subordinasi dengan
entitas anak yang Paperless berturut-turut jumlah Rp1.5 triliun dan sukuk mudharabah
dimiliki sepenuhnya, Account Opening berdasarkan Institute dengan jumlah Rp300 miliar
MOCS System untuk of Service Management • Melakukan penawaran umum terbatas VII (PUT
mempersingkat Studies (ISMS) Trisakti VII) Rp 1.5 triliun
Acquired by Malayan
Banking Berhad (Maybank) waktu layanan • Meluncurkan strategi “Shariah First” sebagai
“The Best Bank in
through its wholly-owned pembukaan Service Quality” for penyedia produk dan jasa Syariah pada semua
subsidiary, MOCS rekening four consecutive years segmen bisnis
• Mencatat tonggak according to Institute • Menyediakan fasilitas pembiayaan Musyarakah
of Service Management
baru dengan total kepada Garuda Indonesia
Studies (ISMS) Trisakti
aset melampaui • Launched Micro Banking Service, BII Pilihan Bijak
Rp100 Triliun dan Mitra usaha (PIJAR)
laba bersih lebih • Issued subordinated debt of Rp1.5 trllion and sukuk
dari Rp1 Triliun mudharabah of Rp300 billion
• Carried out rights issue VII of Rp1.5 trillion
• The first Indonesian • Launched “Shariah First” strategy as shariah products
bank to provide and services provider across business segments
Paperless Account • Provided musyarakah financing facility to Garuda
Opening System to Indonesia
short cut account
opening process
• Marked a new
milestone with total
assets exceeding
Rp100 Trillion and
net profit above Rp1
Trillion

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Perjalanan Kami
Our Journey

1997 1998 2003 2004 2006


Bank lokal pertama Bank lokal pertama Bank lokal pertama Bank lokal pertama Meluncurkan program
yang menerbitkan yang memberikan yang menyediakan yang menerbitkan Tanggung Jawab Sosial
kartu kredit dengan layanan internet layanan Cash Deposit kartu syariah yang di bawah nama “BII
teknologi smart chip banking Machine (CDM) memiliki tiga fungsi Berbagi”
The first local bank The first local bank to The first local bank to sebagai charge card, Launched Corporate
to introduce a credit introduce internet banking provide Cash Deposit debit card dan ATM Social Responsibility (CSR)
card with smart chip services Machine (CDM) program under the name
The first local bank to of “BII Berbagi”
technology introduce a multifunction
sharia card that can be
used for charge, debit as
well as ATM transactions

2015 2016
• Mengumumkan perubahan nama PT Bank • Meresmikan logo baru perusahaan sebagai identitas baru
Internasional Indonesia Tbk menjadi PT Bank Maybank Indonesia yang selaras dengan identitas perusahaan
Maybank Indonesia Tbk sehinggga menjadi
induk Grup Maybank sehingga dapat memberikan nilai tambah
satu entitas dengan Maybank Grup
• Pencapaian yang membanggakan dari bagi Nasabah
Perbankan Syariah dengan menempati posisi • Menerbitkan Obligasi Subordinasi Berkelanjutan II Tahap II
ke-5 (lima) di industri Perbankan Syariah dan (“Obligasi Subordinasi”) dengan jumlah Rp800 miliar dan Sukuk
menempati posisi ke-1 (pertama) di industri Mudharabah Berkelanjutan I Tahap II (“Sukuk Mudharabah”)
Usaha Unit Syariah dalam sisi aset
dengan jumlah Rp700 miliar
• Meluncurkan mobile banking berbasis
internet “Maybank M2U” • Maybank Indonesia ikut mendukung Pembangunan
Infrastruktur Nasional dengan menyediakan fasilitas
• Announced change of name from PT Bank
Internasional Indonesia Tbk to PT Bank Maybank pembiayaan Syariah kepada PT Waskita Karya (Persero) Tbk dan
Indonesia Tbk, hence becoming on entity with PT Jasa Marga (Persero) Tbk
Maybank Group
• Notable performance from Sharia Banking by • Officially announced the Bank’s new logo – Maybank Indonesia – that is in
taking the fifth position in Sharia Banking industry line with the Maybank Group corporate identity, hence providing added
and first position in the Sharia Business Unit in
terms of assets value to the Customers
• Launched mobile banking of internet-based • Issued Shelf Registered Subordinated Bonds II Bank Maybank Indonesia
“Maybank M2U” Tranche II Year 2016 with a nominal amount of Rp800 million and Shelf
Registered Sukuk Mudharabah I Bank Maybank Indonesia Tranche II Year
2016 with a nominal amount of Rp700 million
• Maybank Indonesia supports the National Infrastructure Development by
providing Sharia financing facility to PT Waskita Karya (Persero) Tbk and PT
Jasa Marga (Persero) Tbk

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Highlights Management Reports Company Profile Management Discussion & Analysis

Struktur Organisasi
Organization Structure

Sharia Supervisory Board Board of Commissioners

Audit Committee

Risk Oversight Committee

Remuneration &
Nomination Committee
Integrated Governance
Committeea
Integrated Risk
Management Committeeb
Board of Directors

Asset Liabilities Committee President Director


(ALCO)
Risk Management
Committee

IT Steering Committee

Internal Audit Committee

Other Supporting Director, Legal


Committeec Director, Risk Director, Operations
& Compliance, Management and IT
Corporate Secretary

Internal Audit (SKAI) Anti Money Laundering & Enterprise, Risk Capital & CPC & Credit Operation
Novalita Imanuddin Assurance Risk Infrastructure Iwan Suherman Kok
Harris P. Simanjuntak Yosef Oktavianus S

Strategic Planning Compliance Monitoring & Operational Risk & Operation Processing
Tjandra Leksanahadi (Pjs) Training Business Continuity Center
Anindita Widyasari Ng Liu Ping Hendrik Progo

Corporate Communication General Legal Counsel Traded & Non Traded Risk Centralized Customer Care
& Branding Anindita Widyasari (Pjs) Sam R Soelaeman Sabdo Kreswantoro (Pjs)
Esti Nugraheni

National Anti Fraud Compliance Regulatory Credit Review Customer Experience


Mario J Simanjuntak Affairs Management Kristiani Siwi
Tenang Sitepu Effendi Purwoningsih

Non Retail Credit Quality Delivery Channel, Cash


Shariah Banking (UUS) Litigation Assurance, Policy & Monitoring, Operation
Herwin Bustaman Pulce O E Welang Portfolio Procedure & Risk Mgt
Jemy Kristian Soegiarto Oei Alex Santosa (Pjs)

Community Distribution Corporate Secretary Retai Credit Policy & Operation System Support
Charles Budiman Budi Santoso Portfolio & Development
Emil Ananda Hilmy Janto Tirtadjaja

GB Remedial Information Technology


Stephanus Sugeng Risham Akashah Bin
Kamaruzaman

Operation Support*

IT Risk Management
Esti Sri Rezeki

Corporate Security
Management
Tjatur Widjajanto

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General Meeting of
Shareholders
Struktur Organisasi
Organization Structure

Director, Human Director, Global Director, Community


Director, Finance
Capital Banking Financial Services

Rewards, OD & Strategy Finance & Accounting Global Markets & Segmentation & Digital
Setyorini Rahayu (Pjs) Cincin Lisa (Pjs) Corporate Treasury Banking
I Made Budhi P Artha Willy Soekianto T
Subsidiaries
Talent Management & Financial Planning,
Organization Learning Performance Management Transaction Banking Consumer Finance PT Wahana Ottomitra
Paulus Danang Yanri & Reporting Nirmala Salli Djojo Boentoro Multiartha, Tbk
Hatmoko Nurmala Damanik

Employee Relations & Corporate Finance & Local Corporate & Liabilities & Sales PT Maybank Indonesia
Health Safety Capital Management Multinationals Hevi Angweita Finance
R M Donny Damarwulan Ng Cin Cin Handojo Wibawanto S

Business Human Capital Procurement, Premises & Business Process &


Global Banking & Corp. Vendor Relation Public Sector & Energy Approval
Functions Eduard H Giasi Ricky Antariksa Ratna Ningsih
Nelda Victoria Siburian
Business Human Capital Business Planning & Risk Management
CFS & Community Performance Management Baskoro Widyopranoto
Distribution Sufen Triantio (Pjs)
Setyorini Rahayu

HC Operations Business Planning &


Hendrawan Nasroen Maybank Indonesia - India Analytics
Likia

Business Banking
Rudy Gomedi

Asset Quality
Management
Lian Sorimuda Nasution

RSME Banking
(Vacant)

Catatan | Note :
*) S esuai SE BI No.13/28/DPNP tanggal 9 Desember 2011 tentang Penerapan Strategi Anti Fraud bagi Bank Umum |
Sesuai SE BI No.13/28/DPNP tanggal 9 Desember 2011 tentang Penerapan Strategi Anti Fraud bagi Bank Umum
Reporting Lines
Coordination Lines
Supervision Lines
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Area Operasional
Operational Area

Aceh
Medan

Tarakan
Pekanbaru

Batam
Jambi
Padang
Pontianak

Samarinda
Palembang

Palembang
Banjarmasin

Lampung

Jakarta Jawa Barat


Kantor Wilayah
Regional Office Jawa Tengah
Jawa Timur
Bali

Mataram

Jakarta
• Ekajiwa, Jakarta Utara
• Thamrin, Jakarta Pusat
• Puri Kencana, Jakarta Barat
• Jatinegara, Jakarta Timur

Jumlah Kantor Wilayah Jumlah Kantor Cabang Jumlah Kantor


Total Regional Offices Konvensional Cabang Utama
Total Conventional Branch Offices Total Main Branch Offices
12 12 416 417 79 79 79
9
393
2014 2015 2016 2014 2015 2016 2014 2015 2016

Jumlah Kantor Jumlah Kantor Kas Jumlah Kantor Cabang


Cabang Pembantu Total Cash Offices Luar Negeri
Total Sub-Branch Offices Total Overseas Branch Offices
7
330 334 4 2 2 2
313 1
2014 2015 2016 2014 2015 2016 2014 2015 2016

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Area Operasional
Operational Area

Manado

Palu

Mamuju
Sorong
Jayapura
Ambon

Kendari
Makassar

Nusa Tenggara

Kupang

Jumlah Cabang | Total Branches* ATM + CDM


2014 2015 2016 2014 2015 2016
448 456 428 1530 1605 1633
Jumlah Kantor Jumlah Kantor Cabang Jumlah Kantor Cabang
Cabang Syariah Utama Syariah Pembantu Syariah
Total Shariah Branch Offices Total Shariah Main Branch Offices Total Shariah Sub-Branch Offices
9 9 9 7 7 7 2 2 2

2014 2015 2016 2014 2015 2016 2014 2015 2016

Jumlah Kantor Cabang Jumlah Kantor Jumlah Mobil Kas Keliling


Pembantu Mikro Fungsional Mikro (MKK)
Total Micro Sub-Branch Offices Total Micro Functional Offices Total Mobil Kas Keliling (MKK)
1 1 1 27 19
20 23 13 17
2014 2015 2016 2014 2015 2016 2014 2015 2016

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Profil Direksi
Board of Directors’ Profile

Taswin Zakaria
Presiden Direktur | President Director
48 tahun, Warga Negara Indonesia | 48 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana Akuntansi dengan predikat Cum Laude dari The Ohio State Bachelor of Science in Accounting, with Honor (Cum Laude) from
University pada 1991. The Ohio State University in 1991.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Presiden Direktur Maybank Indonesia sejak 11 November 2013 President Director of Maybank Indonesia since 11 November 2013
(memperoleh persetujuan OJK pada 12 Maret 2014). (received OJK approval on 12 March 2014).

Tugas dan Tanggung Jawab Roles and Responsibilities


Taswin Zakaria bertanggung jawab untuk menetapkan strategi Taswin Zakaria is primarily responsible for establishing strategic
bisnis dan memberikan arahan secara menyeluruh atas operasional policies and providing overall direction for the banking business
bisnis Bank, serta secara langsung mengawasi pengembangan operation, as well as directly supervising the development of
bisnis Perbankan Syariah dan membawahi unit kerja Internal Audit. Shariah Banking Business and the Bank’s Internal Audit.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Ketua Komite Manajemen Risiko • Chairman of Risk Management Committee
• Ketua Komite Assets & Liabilities Management • Chairman of Assets & Liabilities Management Committee
• Ketua IT Steering Committee • Chairman of IT Steering Committee
• Ketua Komite Human Capital • Chairman of Human Capital Committee
• Ketua Komite Restrukturasi Kredit • Chairman of Credit Restructuring Committee
• Ketua Komite Kredit • Chairman of Credit Committee
• Anggota Komite Manajemen Risiko Terintegrasi • Member of Integrated Risk Management Committee

Pengalaman Kerja | Professional Experience


Sebelumnya beliau menjabat sebagai Komisaris Independen He has served as Independent Commissioner of Maybank Indonesia
Maybank Indonesia sejak 16 Desember 2003 sampai dengan 11 since 16 December 2003 to 11 November 2013. He was also
November 2013. Beliau juga pernah menjabat sebagai Komisaris Independent Commissioner of PT Jasa Angkasa Semesta Tbk (2005-
Independen PT Jasa Angkasa Semesta Tbk (2005-2013), Presiden 2013), President Director of PT Indonesia Infrastructure Finance
Direktur PT Indonesia Infrastructure Finance (2010-2011), Direktur (2010-2011), Director of Barclays Bank Plc for Indonesia and Head of
Barclays Bank Plc untuk Indonesia dan Kepala Regional Asia pada Regional Asia for Alternate Capital Market/ Islamic Finance (2001-
Alternate Capital Market/Islamic Finance (2001-2003). Beliau juga 2003). He was Vice President of Deutsche Bank AG Jakarta and
menjabat Vice President Deutsche Bank AG Jakarta dan Kepala Head of Debt Capital Market and Liability Risk Management (1997-
Divisi Debt Capital Market dan Liability Risk Management (1997- 2001). He started his banking career at Citibank N.A, Jakarta, where
2001). Beliau memulai karir perbankannya di Citibank NA Jakarta he held a position as Head of Corporate Restructuring and Project
sebagai Kepala Divisi Corporate Restructuring dan Project Finance Finance (1992-1997).
(1992-1997).

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

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Profil Direksi
Board of Directors’ Profile

Thilagavathy Nadason
Direktur Keuangan | Finance Director
55 tahun, Warga Negara Malaysia | 55 years old, Malaysian Citizen

Riwayat Pendidikan | Educational Background


Sarjana di bidang Akuntansi dari National University of Singapore. Bachelor of Accounting from the National University of Singapore.
Beliau merupakan anggota dari Institute of Certified Public She is member of the Institute of Certified Public Accountants
Accountant of Singapore yang telah berganti nama menjadi of Singapore, which has been renamed to Institute of Singapore
Institute of Singapore Chartered Accountant. Beliau juga telah Chartered Accountants. Recently completed the Strategic
menyelesaikan Strategic Talent Program di Harvard Business School Talent Program from Harvard Business School and Global Senior
dan Global Senior Management Program di Chicago Booth Business Management Program from Chicago Booth Business School,
School, University of Chicago. University of Chicago.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Direktur Keuangan Maybank Indonesia sejak 20 Maret 2009 Finance Director of Maybank Indonesia since 20 March 2009
(memperoleh persetujuan BI pada 4 Agustus 2009). (received BI approval on 4 August 2009).

Tugas dan Tanggung Jawab Roles and Responsibilities


Thila Nadason bertanggung jawab atas Finance & Accounting, Thila Nadason is primarily responsible for Finance & Accounting,
Perencanaan Keuangan, Capital Management, Strategy, Aset, Financial Planning, Capital Management, Strategy, Assets, Liabilities
Manajemen Liabilitas (termasuk Likuiditas), Performance (including Liquidity) Management, Performance Management, and
Management, dan proyek Strategic Cost Management Program the Strategic Cost Management Program (SCMP) projects. She is
(SCMP). Beliau bertanggung jawab pada keseluruhan kinerja, responsible for the overall performance, analysing, assessing, and
menganalisis, menilai, dan melaporkan kinerja lini bisnis, reporting for each line of business, its subsegments, branches,
subsegment, cabang, kantor wilayah, anak perusahaan, dan bankwide regions, subsidiaries, and bankwide consolidated performance. She
consolidated. Beliau juga bertindak sebagai mitra strategis dari unit also acts as strategic partner for business units by providing recent
bisnis dengan menyediakan informasi dan perkembangan terkini development and information of banking industry and competitive
dari industri perbankan dan iklim kompetisi untuk mendukung arah environment to support business strategic direction. She also
strategi bisnis. Beliau juga merupakan penghubung utama antara functions as one of the main liaisons between Group and the Bank.
Group dan Bank.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Ketua Komite Internal Audit • Chairman of Internal Audit Committee
• Ketua Komite Penurunan Nilai • Chairman of Impairment Committee
• Anggota Komite Manajemen Risiko • Member of Risk Management Committee
• Anggota Komite Assets & Liabilities Management • Member of Assets & Liabilities Management Committee
• Anggota Komite Restrukturisasi • Member of Credit Restructuring Committee
• Anggota IT Steering Committee • Member of IT Steering Committee
• Anggota Komite Human Capital • Member of Human Capital Committee
• Anggota Komite Kredit (non-voting) • Member of Credit Committee (non-voting)

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Profil Direksi
Board of Directors’ Profile

Thilagavathy Nadason
Direktur Keuangan | Finance Director
55 tahun, Warga Negara Malaysia | 55 years old, Malaysian Citizen

Pengalaman Kerja | Professional Experience


Sebelum bergabung dengan Maybank Indonesia, beliau menjabat Prior to joining Maybank Indonesia, she served as Director of
sebagai Direktur Finance, Financial Planning & Strategy and Finance, Financial Planning & Strategy and General Affairs of PT
General Affairs di PT Bank CIMB Niaga Tbk dan Director of Finance CIMB Niaga Tbk and Director of Finance and Operations of PT Bank
and Operation di PT Bank Lippo Tbk. Beliau memiliki 10 tahun Lippo Tbk. She has 10 years of banking experience. She started her
pengalaman di industri perbankan. Beliau memulai karirnya di career in PricewaterhouseCoopers (PwC) for 20 years in Singapore,
PricewaterhouseCoopers (PWC) selama 20 tahun di Singapura, Hongkong and Indonesia. She was the Transaction Services Partner
Hongkong, dan Indonesia. Beliau merupakan Transaction Services at PwC handling M&A (Merger & Acquisition) deals and special
Partner yang menangani M&A (Merger & Acquisition) dan Special reviews and investigations before joining PT Bank Lippo Tbk in
Review and Investigations sebelum bergabung dengan PT Bank 2005. She has resided in Indonesia for 18 years and has extensive
Lippo Tbk pada 2005. Beliau telah berdomisili di Indonesia selama knowledge of Indonesian and International Accounting Standards,
18 tahun dan memiliki pengetahuan yang luas mengenai Standar Capital Management & Corporate Valuations as well as Bank
Akuntansi Indonesia dan Internasional, Capital Management & Indonesia, IDX and Otoritas Jasa Keuangan (OJK) regulations.
Corporate Valuations, serta kebijakan Bank Indonesia, Bursa efek
Indonesia dan Otoritas Jasa Keuangan (OJK).

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, she has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan She does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

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Profil Direksi
Board of Directors’ Profile

Ghazali Bin Mohd Rasad


Direktur Operasional dan TI | Operations & IT Director
55 tahun, Warga Negara Malaysia | 55 years old, Malaysian Citizen

Riwayat Pendidikan | Educational Background


Diploma di bidang Perbankan dari Universitas Teknologi MARA, Diploma in Banking from University of Technology MARA, Malaysia.
Malaysia.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Direktur Operasional dan TI Maybank Indonesia sejak 20 Maret Operations & IT Director of Maybank Indonesia since 20 March
2009 (memperoleh persetujuan BI pada 18 Mei 2009). 2009 (received BI approval on 18 May 2009).

Tugas dan Tanggung Jawab Roles and Responsibilities


Ghazali M. Rasad bertanggung jawab atas pengembangan Ghazali M. Rasad is primarily responsible for the development and
dan pelaksanaan operasional perbankan secara menyeluruh, implementation of overall banking operations, development of
pengembangan teknologi informasi yang dapat memberikan nilai information technology that give value added to customers as well
tambah bagi nasabah sekaligus meningkatkan efektivitas dan as improved productivity and effectiveness, and is also responsible
produktivitas kerja, dan bertanggung jawab atas pengembangan for development of service quality.
service quality.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Anggota Komite Manajemen Risiko • Member of Risk Management Committee
• Anggota Komite Assets & Liabilities Management • Member of Assets & Liabilities Management Committee
• Wakil Ketua IT Steering Committee • Member of IT Steering Committee
• Anggota Komite Human Capital • Member of Human Capital Committee
• Anggota Komite Internal Audit • Member of Internal Audit Committee

Pengalaman Kerja | Professional Experience


Sebelum bergabung dengan Maybank Indonesia, beliau telah Prior to joining Maybank Indonesia, he has over 30 years of banking
memiliki pengalaman lebih dari 30 tahun di bidang Perbankan experience from various regional institutions within banking
dengan berbagai lembaga regional termasuk Chase Manhattan Bank, Industry including Chase Manhattan Bank, and Citibank N.A. His
dan Citibank N.A. Terakhir, menjabat Head of Strategy and Business most recent position was as the Head of Strategy and Business
Development, International di Maybank, dimana ditugaskan untuk Development, International at Maybank, where he was tasked to
memimpin sejumlah rencana strategis baru di berbagai jaringan lead some of the new strategic initiatives at Maybank’s various
internasional Maybank termasuk Maybank Indonesia. international offices including Maybank Indonesia.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
109
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Direksi
Board of Directors’ Profile

Jenny Wiriyanto
Direktur Perbankan Bisnis | Business Banking Director
52 tahun, Warga Negara Indonesia | 52 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana di bidang Manajemen Ekonomi dari Universitas Bachelor in Economics Management from Tarumanegara University,
Tarumanegara, Jakarta dan MBA di bidang International Business Jakarta and MBA in International Business from National University,
dari National University, San Diego, California, USA. San Diego, California, USA.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Direktur Perbankan Bisnis Maybank Indonesia sejak 29 Mei 2009 Business Banking Director of Maybank Indonesia since 29 May
(memperoleh persetujuan dari BI pada 20 Oktober 2009) dan saat 2009 (received BI approval on 20 October 2009) and also currently
ini juga menjabat sebagai Direktur Perbankan Ritel. served as Retail Banking Director.

Tugas dan Tanggung Jawab Roles and Responsibilities


Jenny Wiriyanto bertanggung jawab atas perkembangan strategi Jenny Wiriyanto is primarily responsible for business strategic
bisnis dan kinerja dari Perbankan Komersil, Perbankan UKM, development and performance of Commercial Banking, SME
Perbankan Mikro, International Strategic Business dan Financial Banking, Micro Banking, International Strategic Business and
Supply Chain Management. Beliau juga bertanggung jawab atas Financial Supply Chain Management. She is also responsible for
pengembangan strategi bisnis dan kinerja dari Retail Banking. business strategic and development of Retail Banking.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Anggota Komite Manajemen Risiko • Member of Risk Management Committee
• Anggota Komite Assets & Liabilities Management • Member of Assets & Liabilities Management Committee
• Anggota IT Steering Committee • Member of IT Steering Committee
• Anggota Komite Human Capital • Member of Human Capital Committee
• Anggota Komite Internal Audit • Member of Internal Audit Committee
• Anggota Komite Penurunan Nilai • Member of Impairment Committee
• Anggota Komite Restrukturasi Kredit • Member of Credit Restructuring Committee
• Anggota Komite Kredit • Member of Credit Committee

Pengalaman Kerja | Professional Experience


Sebelum bergabung dengan Maybank Indonesia, beliau adalah Prior to joining Maybank Indonesia, she was Executive Vice
Executive Vice President Bank Danamon. Beliau memulai karir President of Bank Danamon. Her career as a banker was started
perbankan di Maybank Indonesia selama 15 tahun di bidang kredit, in Maybank Indonesia where she spent 15 years sharpening her
trade services dan cash management. Beliau merintis karir sebagai skills in credit, trade services and cash management. She began her
Account Officer dan dipromosikan sebagai Branch Manager sebelum career as an account officer and was promoted as Branch Manager
menjabat Kepala Divisi Trade Services dan kemudian Transactional before holding a position as a division head in Trade Services and
Banking. Jabatan terakhir di Maybank Indonesia adalah Senior Transactional Banking. Her latest position in Maybank Indonesia
Division Head SME & Commercial Banking Group. Sebelum was Senior Division Head SME & Commercial Banking group. Prior
bergabung kembali dengan Maybank Indonesia beliau bekerja di PT to her return to Maybank Indonesia she also worked with PT Bank
Bank Lippo Tbk sebagai Senior Vice President Enterprise Banking Lippo Tbk as Senior Vice President for Enterprise Banking Group
Group hingga 2008. until 2008.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, she has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan She does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


110 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Direksi
Board of Directors’ Profile

Dhien Tjahajani
Direktur Hukum dan Kepatuhan, Sekretaris Perusahaan | Legal and Compliance, Corporate Secretary Director
50 tahun, Warga Negara Indonesia | 50 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana Hukum dari Universitas Sebelas Maret, Surakarta, Graduate Bachelor of Law from Sebelas Maret University, Surakarta, Graduate
Diploma in Business dari Curtin University of Technology, Perth, Diploma of Business from Curtin University of Technology, Perth,
Australia di tahun 1993 dan di tahun 1995 meraih gelar Master Australia in 1993 and Earned Master of Business Administration
of Business Administration dari Edith Cowan University, Perth from Edith Cowan University, Perth, Australia in 1995.
Australia.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Direktur Hukum dan Kepatuhan, Sekretaris Perusahaan Maybank Legal and Compliance, Corporate Secretary Director of Maybank
Indonesia sejak tanggal 12 Maret 2014 (memperoleh persetujuan Indonesia since 12 March 2014 (received OJK Approval on 20 June
OJK pada 20 Juni 2014). 2014).

Tugas dan Tanggung Jawab Roles and Responsibilities


Dhien Tjahajani secara umum bertanggung jawab atas Compliance, Dhien Tjahajani in general, responsible for Compliance, General
General Legal Councel, KYC & AML, Litigation dan Corporate Legal Councel, KYC & AML, Litigation and Corporate Secretary. She
Secretary. Beliau akan merumuskan, mengusulkan dan memastikan will establish or propose the compliance system and procedures to
bahwa seluruh kebijakan, ketentuan, sistem dan prosedur, serta ensure that the Bank’s policies, provisions, systems, procedures and
kegiatan usaha yang dilakukan Bank telah sesuai dengan ketentuan business activities have been in compliance with all applicable rules,
Bank Indonesia dan peraturan perundang-undangan yang berlaku, including compliancy with Shariah Principles for Shariah Business
termasuk Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha Unit and to mitigate the Bank’s Compliance Risk.
Syariah serta meminimalkan Risiko Kepatuhan Bank.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Anggota Komite Manajemen Risiko • Member of Risk Management Committee
• Anggota Komite Internal Audit • Member of Internal Audit Committee
• Anggota Komite Human Capital • Member of Human Capital Committee

Pengalaman Kerja | Professional Experience


Beliau memiliki pengalaman 25 tahun di industri perbankan. Sebelum She has 25 years of banking experience. Prior to joining Maybank
bergabung dengan Maybank Indonesia, beliau menjabat sebagai Indonesia, she was the Legal and Compliance Director in
Direktur Kepatuhan dan Hukum Bank Commonwealth sejak tahun Commonwealth Bank since 2012, her responsibilities are to lead
2012. Beliau bertanggung jawab memimpin Divisi Legal, Corporate the Legal, Corporate Secretary, and Compliance Division that cover
Secretary, dan Kepatuhan yang meliputi fungsi Legal, Corporate the Legal, Corporate Secretary, Compliance functions, Anti Money
Secretary, Kepatuhan, Anti Money Laundering dan Sanctions. Beliau Laundering and Sanctions. She was with Barclays Indonesia Bank
bekerja sebagai Direktur Kepatuhan di Bank Barclays Indonesia and Bank Rabobank International Indonesia as Compliance Director.
dan Bank Rabobank Internasional Indonesia, Bank DBS Indonesia Appointed as Legal & Compliance Director, Corporate Secretary for
sebagai Direktur Kepatuhan dan Legal, Corporate Secretary, dan DBS Indonesia Bank and with Credit Lyonnais Indonesia Bank, she
Bank Credit Lyonnais Indonesia dengan posisi terakhir sebagai was the Head of Legal & Remedial Department. She started her
Head of Legal & Remedial Department. Beliau memulai karirnya career in 1990 with Bank Central Asia.
pada tahun 1990 di Bank Central Asia.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, she has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan She does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
111
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Direksi
Board of Directors’ Profile

Eri Budiono
Direktur Perbankan Global | Global Banking Director
48 tahun, Warga Negara Indonesia | 48 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana pada bidang Bisnis Perbankan dan Keuangan dari Monash Bachelor of Business Banking and Finance from Monash University,
University, Australia Australia

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Direktur Global Banking Maybank Indonesia sejak 24 April 2015 Global Banking Director of Maybank Indonesia since 24 April 2015
(memperoleh persetujuan OJK pada 5 Mei 2015). (received OJK approval on 5 May 2015).

Tugas dan Tanggung Jawab Roles and Responsibilities


Eri Budiono bertanggung jawab atas perkembangan strategi bisnis Eri Budiono is primarily responsible for business strategic
dan kinerja dari Global Markets (Tresuri), Transactional Banking, dan development and performance of Global Markets (Treasury),
Perbankan Korporasi. Transactional Banking and Corporate Banking.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Anggota Komite Manajemen Risiko • Member of Risk Management Committee
• Anggota Komite Assets & Liabilities Management • Member of Assets & Liabilities Management Committee
• Anggota IT Steering Committee • Member of IT Steering Committee
• Anggota Komite Human Capital • Member of Human Capital Committee
• Anggota Komite Penurunan Nilai • Member of Impairment Committee
• Anggota Komite Restrukturasi Kredit • Member of Credit Restructuring Committee
• Anggota Komite Kredit • Member of Credit Committee

Pengalaman Kerja | Professional Experience


Beliau memiliki pengalaman lebih dari 21 tahun di bidang perbankan He has more than 21 years of experience in the field of wholesale
korporasi dan Investasi dan juga di bidang pengelolaan kredit and investment banking as well as distressed asset management.
bermasalah. Sebelum bergabung dengan Maybank Indonesia, beliau Prior to joining Maybank Indonesia, he started his career with ABN
mengawali karir di ABN AMRO Bank pada tahun 1993 sebagai AMRO Bank in 1993 as Relationship Manager and worked as credit
Relationship Manager dan credit analyst di kantor regional di analyst in the regional office in Singapore. His last position was
Singapura. Beliau menempati posisi terakhir sebagai Vice President Vice President Special Credit Group responsible for managing the
Special Credit Group dimana beliau mengelola portofolio kredit bank’s distressed asset portfolio. Then he joined HSBC in 2000 for
bermasalah . Kemudian bergabung dengan HSBC pada tahun 7 years with last position as Head of Corporate Banking responsible
2000 selama 7 tahun dengan posisi terakhir Head of Corporate for the growth of the corporate and financial institutional
Banking yang bertanggung jawab untuk masalah pertumbuhan business. In 2007 he joined with an ASEAN focused investment
bisnis korporasi dan lembaga keuangan. Pada tahun 2007, beliau fund based in Singapore seeking growth in capital and distressed
bergabung dengan ASEAN yang memusatkan perhatian pada dana asset opportunities. In 2009, he joined PT Rabobank International
investasi yang berbasis di Singapura untuk menumbuhkan modal Indonesia as Corporate and Investment Banking Director which
dan mencari peluang untuk distressed assets. Kemudian, pada strategic focus was in the food and agri sector.
tahun 2009 beliau bergabung dengan PT Rabobank International
Indonesia sebagai Direktur Corporate and Investment Banking yang
mempunyai fokus strategis di sektor bisnis makanan dan pertanian.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


112 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Direksi
Board of Directors’ Profile

Irvandi Ferizal
Direktur Human Capital |Human Capital Director
49 tahun, Warga Negara Indonesia | 49 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana di bidang Psikologi Industri dan Organisasi diraihnya Bachelor of Psychology Industry and Organization with Honor (Cum
dengan predikat cum laude di Universitas Padjadjaran. Laude) from Padjajaran University.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Direktur Human Capital Maybank Indonesia sejak 1 Desember 2015 Human Capital Director since 1 December 2015 (received OJK
(memperoleh persetujuan OJK pada 21 Januari 2016). approval on 21 January 2016).

Tugas dan Tanggung Jawab Roles and Responsibilities


Irvandi Ferizal bertanggung jawab atas strategi Human Capital, Irvandi Ferizal is primarily responsible for human capital strategy,
pengembangan organisasi, pengembangan talent & organization organization development, talent & organizational learning
learning, employee engagement, business human capital, hubungan development, employee engagement, business human capital,
industrial dan shared services. industrial relations and shared services.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Ketua Personnel Committee • Chairman of Personnel Committee
• Anggota Komite Manajemen Risiko • Member of Risk Management Committee
• Anggota Komite Human Capital • Member of Human Capital Committee
• Anggota Komite Internal Audit • Member of Internal audit committee

Pengalaman Kerja | Professional Experience


Beliau memiliki pengalaman selama lebih dari 25 tahun di bidang He has more than 25 years experience in the field of Human
Human Resources di berbagai industri. Sebelum bergabung dengan Resources in various industries. Prior to joining Maybank Indonesia,
Maybank Indonesia, beliau menjabat sebagai Direktur Human he was Human Resources Director in various corporations in
Resources pada berbagai perusahaan di entitas Mondelez Indonesia- Mondelez Indonesia-Group (Kraft Food) entity. He started his career
Group (Kraft Food). Karir beliau diawali dari PT Kalbe Farma pada in PT Kalbe Farma in 1992 as Training & Development Manager. Then
tahun 1992 sebagai Training & Development Manager. Kemudian in 1996, he was with TNT Indonesia with his last position as Country
pada tahun 1996 hijrah ke TNT Indonesia dengan posisi terakhir HR Director. In 2008, he was with Nokia Siemens Network as Head
sebagai Country HR Director. Pada tahun 2008 beliau berkarya di of Human Resources for Sub Region Indonesia.
Nokia Siemens Network sebagai Head of Human Resources for Sub
Region Indonesia.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
113
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Direksi
Board of Directors’ Profile

Henky Sulistyo*
Direktur Manajemen Risiko| Risk Management Director
42 tahun, Warga Negara Indonesia | 42 years old, Indonesian Citizen
*) Mengundurkan diri efektif 31 Desember 2016 | Resigned effective as of 31 December 2016

Riwayat Pendidikan | Educational Background


Master of Business Administration dari La Trobe University, Master of Business Administration from La Trobe University,
Australia dan memiliki Certified Financial Risk Manager (FRM) dari Australia and hold Certified Financial Risk Manager (FRM) dari
Global Association of Risk Professionals (GARP). Global Association of Risk Professionals (GARP).
RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Direktur Manajemen Risiko Maybank Indonesia sejak 28 November Risk Management Director of Maybank Indonesia since 28
2014 (memperoleh persetujuan OJK pada 17 Desember 2014). November 2014 (received OJK Approval on 17 December 2014).

Tugas dan Tanggung Jawab Roles and Responsibilities


Henky Sulistyo bertanggung jawab atas penyusunan kebijakan Henky Sulistyo is primarily responsible for producing comprehensive
dan strategi manajemen risiko yang komprehensif, pengembangan risk management policy and strategy, developing risk management
budaya manajemen risiko pada seluruh jenjang organisasi sekaligus culture at all level of organization as well as ensuring the
memastikan bahwa fungsi manajemen risiko telah beroperasi secara independency of performance of all risk management units.
independen.

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Ketua Komite Manajemen Risiko Terintegrasi • Chairman of Integrated Risk Management Committee
• Ketua Komite Restrukturasi Kredit • Chairman of Credit Restructuring Committee
• Ketua Komite Kredit • Chairman of Credit Committee
• Wakil Ketua Komite Manajemen Risiko • Vice Chairman of Risk Management Committee
• Anggota Komite Internal Audit • Member of Internal Audit Committee
• Anggota Komite Assets & Liabilities Management • Member of Assets & Liabilities Management Committee
• Anggota IT Steering Committee • Member of IT Steering Committee
• Anggota Komite Penurunan Nilai • Member of Impairment Committee
• Anggota Komite Human Capital • Member of Human Capital Committee

Pengalaman Kerja | Professional Experience


Beliau memiliki pengalaman lebih dari 17 tahun di bidang Manajemen He has more than 17 years of experience in the Risk Management
Risiko di industri perbankan. Sebelum bergabung dengan Maybank area in Banking Industry. Prior to joining Maybank Indonesia, he
Indonesia, beliau mengawali karir di American Express Bank Jakarta was with American Express Bank Jakarta in 1998 as Treasury Middle
pada 1998 sebagai Treasury Middle Office, kemudian pada 2001 Office, then in 2001 moved to American Express Bank Singapore
hijrah ke American Express Bank Singapore sampai 2008 dengan until 2008 as Director, Regional Risk Manager for Asia Pacific. He
posisi terakhir sebagai Director, Regional Risk Manager untuk Asia joined DBS Bank as Vice President, Head of Risk Management Unit
Pacific. Selanjutnya beliau bergabung dengan DBS Bank sebagai Vice for DBS Indonesia for 2 years and repatriated back to DBS Head
President – Head of Risk Management Unit untuk DBS Indonesia Office as Vice President – Corporate Treasury in 2010. In 2012, he
selama dua tahun, sebelum bergabung kembali dengan DBS Head came back to home country and joined CIMB Niaga as Senior Vice
Office di Singapura sebagai Vice President – Corporate Treasury President – Head of Risk Management.
pada 2010. Kemudian kembali ke tanah air pada 2012 bergabung
dengan Bank CIMB Niaga sebagai Senior Vice President – Head of
Risk Management.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


114 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Dewan Komisaris


Board of Commissioners’ Profile

Tan Sri Dato’ Megat Zaharuddin bin Megat Mohd Nor


Presiden Komisaris | President Commissioner
68 tahun, Warga Negara Malaysia | 68 years old, Malaysian Citizen

Riwayat Pendidikan | Educational Background


Beliau menyandang gelar Bachelor of Science (Hons) di bidang He holds a Bachelor of Science (Hons) degree in Mining Engineering
Teknik Pertambangan dari Imperial College of Science & Technology, from Imperial College of Science & Technology, University of
University of London; Associate pada Royal School of Mines, UK. London; Associate of the Royal School of Mines, UK.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Presiden Komisaris Maybank Indonesia sejak 28 Januari 2010 President Commissioner of Maybank Indonesia since 28 January
(memperoleh persetujuan BI pada 1 April 2010). 2010 (received BI approval on 1 April 2010).

Rangkap Jabatan | Multiple Board Membership


Tan Sri adalah Chairman Malayan Banking Berhad, Malaysia; Tan Sri is Chairman of Malayan Banking Berhad, Malaysia; Chairman
Chairman Maybank Ageas Holdings Berhad, Malaysia; Direktur of Maybank Ageas Holdings Berhad, Malaysia; Director of the ICLIF
ICLIF Leadership and Governance Centre, Malaysia. Leadership and Governance Centre, Malaysia.

Pengalaman Kerja | Professional Experience


Beliau merintis karir yang luar biasa dalam industri minyak dan He built an outstanding career in the oil and gas industry for 31
gas selama 31 tahun dan pernah menjabat sebagai Regional years and was the Regional Business CEO/Managing Director of
Business CEO/Managing Director Shell Exploration and Production Shell Exploration and Production International B.V. (Netherlands)
International B.V (Netherlands) sebelum memutuskan pensiun prior to his retirement in 2004. He was also the Chairman of
di tahun 2004. Selain itu, Beliau juga pernah menjabat sebagai Maxis Communications Berhad, Malaysia from January 2004 to
Chairman Maxis Communications Berhad, Malaysia dari Januari November 2007, Etiqa Insurance & Takaful, Malaysia from January
2004 - November 2007, Etiqa Insurance & Takaful, Malaysia 2006 until February 2009, Malaysian Rubber Board, Malaysia
dari Januari 2006 - Februari 2009, Malaysian Rubber Board, from February 2009 to May 2010, Director of Capital Market
Malaysia dari Februari 2009 - Mei 2010; Direktur Capital Market Development Fund, Malaysia from January 2004 to January 2010,
Development Fund, Malaysia dari Januari 2004 - 2010 dan Direktur Director of Woodside Petroleum Ltd, a company listed on the
Woodside Petroleum Ltd, perusahaan terdaftar pada Australian Australian Securities Exchange, from December 2007 to April 2011,
Securities exchange dari Desember 2007 - April 2011, dan Direktur and Director of Financial Services Professional Board, Malaysia,
Financial Services Professional Board, Malaysia, Chairman Maybank Chairman of Maybank Investment Bank Berhad, and Chairman of
Investment Bank Berhad, dan Chairman PADU Corporation, PADU Corporation, Malaysia, a company linked to the Ministry of
Malaysia, suatu perusahaan mendukung rencana program Education.
pendidikan di Kementerian Pendidikan Malaysia.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau memiliki hubungan afiliasi dengan pemegang saham utama, He has affiliations with the ultimate shareholder, however he does
namun tidak memiliki hubungan afiliasi dengan anggota Dewan not have any affiliations with fellow members of the Board of
Komisaris lainnya, maupun dengan anggota Direksi. Commissioners, or members of the Board of Directors.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
115
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Dewan Komisaris


Board of Commissioners’ Profile

Datuk Abdul Farid Bin Alias


Komisaris | Commissioner
49 tahun, Warga Negara Malaysia | 49 years old, Malaysian Citizen

Riwayat Pendidikan | Educational Background


Sarjana Akuntansi dari Pennsylvania State University, Amerika; Bachelor of Science in Accounting from Pennsylvania State
MBA di bidang Financial dari University of Denver, Amerika, dan University, USA; MBA in Finance from University of Denver, USA,
Executive Education Advanced Management Program di Harvard and the Executive Education Advanced Management Program at
Business School. Harvard Business School.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Komisaris Maybank Indonesia sejak 11 November 2013 (memperoleh Commissioner of Maybank Indonesia since 11 November 2013
persetujuan dari OJK pada 3 Juni 2014). (received OJK approval on 3 June 2014).

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite Nominasi dan Remunerasi. Also serves as Member of Nomination and Remuneration
Committee.

Pengalaman Kerja | Professional Experience


Beliau memiliki lebih dari 20 tahun pengalaman di bidang investment He has over 20 years of experience in investment banking, corporate
banking, corporate finance dan capital markets, menjabat di finance and capital markets, having served with various investment
berbagai investment dan merchant bank seperti Aseambankers and merchant banks such Aseambankers Malaysia Berhad (1992 –
Malaysia Berhad (1992 – 1994), Schroders (1994 – 1995), Malaysia 1994), Schroders (1994 – 1995), Malaysia International Merchant
International Merchant Bankers Berhad (1996 - 1997), and J.P. Bankers Berhad (1996 - 1997), and J.P. Morgan (1997 – 2005), serving
Morgan (1997 – 2005), menjabat di operasional Kuala Lumpur dan in Kuala Lumpur and Singapore operations, and in Khazanah
Singapura, dan di Khazanah Nasional Berhad (2005 – 2008). Beliau Nasional Berhad (2005 – 2008). He was appointed as Group
diangkat sebagai Presiden Grup dan Chief Executive Grup Maybank President and Chief Executive of Maybank Group on 2 August
pada 2 Agustus 2013. Sebelumnya, beliau menjabat sebagai Deputy 2013. Prior to this appointment, he was Deputy President & Head,
President & Head, Global Banking yang bertanggung jawab atas Global Banking where his areas of responsibility covered corporate
corporate banking, investment banking, transaction banking, client banking, investment banking, transaction banking, client coverage,
coverage, global markets dan international business di Maybank global markets and international business for Maybank Group. He
Group. Beliau bergabung di Maybank sebagai Head of International joined Maybank as Head of International on 1 January 2009.
pada 1 Januari 2009.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau memiliki hubungan afiliasi dengan pemegang saham utama, He has affiliations with the ultimate shareholder, however he does
namun tidak memiliki hubungan afiliasi dengan anggota Dewan not have any affiliations with fellow members of the Board of
Komisaris lainnya, maupun dengan anggota Direksi. Commissioners, or members of the Board of Directors.

Laporan Tahunan 2016 Annual Report


116 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Dewan Komisaris


Board of Commissioners’ Profile

Spencer Lee Tien Chye


Komisaris | Commissioner
65 tahun, Warga Negara Malaysia | 65 years old, Malaysian Citizen

Riwayat Pendidikan | Educational Background


Anggota Institute of Chartered Accountants (England & Wales) dan Member of the Institute of Chartered Accountants (England and
anggota Malaysian Institute of Accountants. Wales) and member of Malaysian Institute of Accountants.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Komisaris Maybank Indonesia sejak 1 Desember 2008 (memperoleh Commissioner of Maybank Indonesia since 1 December 2008
persetujuan BI pada Februari 2009). (received BI approval in February 2009).

Rangkap Jabatan | Multiple Board Membership


Spencer Lee saat ini juga menjabat sebagai Independent Non- Spencer Lee is now also an Independent Non- Executive Director
Executive Director Maybank Cambodia PLC sejak 2 April 2012 dan of Maybank Cambodia PLC since 2 April 2012 and an Independent
Independent Non-Executive Director/Boardroom limited Singapura Non-Executive Director/ Boardroom limited Singapore since 27
sejak 27 Oktober 2011. October 2011.
Juga menjabat sebagai Anggota Komite Pemantau Risiko. Also serves as Member of Risk Oversight Committee.

Pengalaman Kerja | Professional Experience


Sebelumnya beliau menjabat sebagai Non-Executive Director He has served as Non-Executive Director of Maybank Philippines
Maybank Philippines Incorporated sejak Maret 2009 hingga Incorporated since March 2009 until March 2013. He was appointed
Maret 2013. Beliau pernah menjabat sebagai Direktur Maybank as Director of Maybank and served as a member of the Credit
dan anggota Komite Credit Review, Audit dan Manajemen Risiko Review, Audit and Risk Management Committees of the Board
dan mengundurkan diri pada November 2009. Beliau bergabung and stepped down from the Board on November 2009. He joined
dengan Grup Maybank pada 1975 dan menempati berbagai posisi Maybank Group in 1975 and served several key positions including
penting termasuk Head of Consumer Banking dan Country Head Head of Consumer Banking and Country Head for Maybank
Maybank Singapura sebelum pensiun sebagai penasihat Maybank Singapore before retiring as Maybank advisor in November 2008.
pada November 2008.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Pernyataan Independensi | Independence Statement

Laporan Tahunan 2016 Annual Report


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PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Dewan Komisaris


Board of Commissioners’ Profile

Umar Juoro
Komisaris Independen | Independent Commissioner
57 tahun, Warga Negara Indonesia | 57 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana Fisika dari Institut Teknologi Bandung (ITB), Master of Arts Bachelor in Physics from Bandung Institute of Technology (ITB),
di bidang Ekonomi dari University of Philippines, Master of Art Master of Arts in Economics from University of Philippines, Master
bidang Political Economy dari Boston University, USA, dan studi of Art in Political Economy from Boston University, USA, and
lanjutan dalam bidang Ekonomi Internasional di Kiel, Jerman. advance studies in International Economics, Kiel, Germany.

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Komisaris Independen Maybank Indonesia sejak 5 September 2002 Independent Commissioner of Maybank Indonesia since 5
(memperoleh persetujuan BI pada 7 November 2002). September 2002 (received BI approval on 7 November 2002).

Rangkap Jabatan | Multiple Board Membership


Umar Juoro saat ini menjabat sebagai Ketua Badan Supervisi Bank Umar Juoro is a Chairman of the Supervisory Board of Bank
Indonesia (BSBI) dan merupakan Senior Fellow Asian Competitive Indonesia. Currently, He is also Senior Fellow Asian Competitive
Institute Lee Kuan Yew School of Public Policy National University Institute Lee Kuan Yew School of Public Policy National University
of Singapore. of Singapore.
Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Ketua Komite Pemantau Risiko • Chairman of Risk Oversight Committee
• Ketua Komite Tata Kelola Terintegrasi • Chairman of Integrated Group Corporate Governance
• Anggota Komite Audit Committee
• Anggota Komite Nominasi dan Remunerasi • Member of Audit Committee
• Member of Nomination and Remuneration Committee

Pengalaman Kerja | Professional Experience


Sebelumnya, merupakan anggota dari Komite Ekonomi Nasional Previously, he was a member of the National Economic Committee
(KEN) dari 2010 - 2014. Selain itu, beliau juga pernah menjabat (KEN/Komite Ekonomi Nasional) from 2010 to 2014. Umar Juoro
sebagai Asisten Wakil Presiden/Presiden RI B.J. Habibie dalam was formerly served as an Assistant to Indonesia’s former Vice
bidang Ekonomi, Keuangan dan Perindustrian (1998-1999). Beliau President/President B.J. Habibie in the field of Economics, Monetary
juga merupakan Peneliti Senior di the Habibie Center. Beliau pernah & Industry (1998-1999). He has also been senior researcher at the
bekerja dalam berbagai proyek konsultan dengan World Bank, ADB, Habibie Center. He was involved in various consulting projects with
ILO dan UNDP. the World Bank, ADB, ILO and UNDP.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Pernyataan Independensi | Independence Statement

Laporan Tahunan 2016 Annual Report


118 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Dewan Komisaris


Board of Commissioners’ Profile

Budhi Dyah Sitawati


Komisaris Independen | Independent Commissioner
57 tahun, Warga Negara Indonesia | 57 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana Ekonomi di bidang Akuntansi dari Universitas Indonesia Bachelor of Economics, majoring in Accounting from the University
of Indonesia

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Komisaris Independen Maybank Indonesia sejak 27 Agustus 2010 Independent Commissioner of Maybank Indonesia since 27 August
(memperoleh persetujuan BI pada 1 April 2011). 2010 (received BI approval on 1 April 2011).

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Ketua Komite Nominasi dan Remunerasi • Chairman of Nomination and Remuneration Committee
• Anggota Komite Pemantau Risiko • Member of Risk Oversight Committee

Pengalaman Kerja | Professional Experience


Budhi Dyah Sitawati, yang dikenal juga dengan nama Ita Budhi, Budhi Dyah Sitawati, a.k.a Ita Budhi, began her career as an
mengawali karirnya sebagai Auditor di Kantor Akuntan Publik Auditor at Public Accountant Firm (KAP) Drs. Utomo & Co. (SGV/
(KAP) Drs. Utomo & Co. (SGV/Arthur Andersen) (1982-1984). Arthur Andersen) (1982-1984). She continued as an auditor at Price
Selanjutnya beliau menjadi Auditor di Price Waterhouse Sydney, Waterhouse Sydney, Australia and then at Price Waterhouse Jakarta/
Australia dan kemudian di Price Waterhouse Jakarta/KAP Drs Hadi KAP Drs Hadi Sutanto & Rekan (1986-1989). Then she became tax
Sutanto & Rekan (1986-1989). Beliau kemudian menjadi konsultan consultant and also Tax Partner at PricewaterhouseCoopers (PwC)
pajak dan menjadi Tax Partner di PricewaterhouseCoopers (PwC) Indonesia (1989-2005). She was an advisor to the Special Committee
Indonesia (1989-2005). Beliau merupakan salah satu advisor pada on Taxation Act, the Commission XI - House of Representatives of
Special Committee on Taxation Act, Komisi XI DPR RI (2006- 2009) Indonesia (2006-2009), and a Lecturer in MAKSI/ PPAK Faculty
dan Dosen pada MAKSI/PPAK – Fakultas Ekonomi, Universitas of Economics, University of Indonesia since 2007 until 2012. She
Indonesia sejak 2007 hingga 2012. Beliau juga menjabat Technical served as a Technical Advisor of PT Prima Wahana Caraka (PwC-Tax,
Advisor pada PT Prima Wahana Caraka (PwC - Tax, Indonesia) sejak Indonesia) since 2010 until early 2015.
2010 hingga awal 2015.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan She does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


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PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Dewan Komisaris


Board of Commissioners’ Profile

Achjar Iljas
Komisaris Independen | Independent Commissioner
68 tahun, Warga Negara Indonesia | 68 years old, Indonesian Citizen

Riwayat Pendidikan | Educational Background


Sarjana Ekonomi dari Universitas Indonesia (1973), Master of Arts Bachelor Degree in Economics from the University of Indonesia
in Economics dari Duke University (1984) dan Magister Ilmu Hukum (1973), Master of Arts in Economics from Duke University (1984) and
Bisnis dari Universitas Padjadjaran (2003). Master Degree in Business Law from Padjadjaran University (2003).

RIWAYAT JABATAN
PROFESSIONAL BACKGROUND

Dasar Hukum & Masa Jabatan | Appointment Basis & Tenure


Komisaris Independen Maybank Indonesia sejak 22 April 2013 Independent Commissioner of Maybank Indonesia since 22 April
(memperoleh persetujuan OJK pada 20 Februari 2014). 2013 (received OJK approval on 20 February 2014).

Rangkap Jabatan | Multiple Board Membership


Juga menjabat sebagai Anggota Komite: Also serves as Member of Committee:
• Ketua Komite Audit • Chairman of Audit Committee
• Anggota Komite Pemantau Risiko • Member of Risk Oversight Committee

Pengalaman Kerja | Professional Experience


Sebelumnya beliau menjabat sebagai Presiden Komisaris BNI Prior to his assignment in Maybank Indonesia, he was President
Syariah dari tahun 2010. Beliau juga pernah menjabat sebagai Commissioner of BNI Shariah since 2010. He has also served as an
Komisaris Independen di PT BNI (Persero) Tbk dari 2003-2010 Independent Commissioner of BNI 2003-2010 and PT BNP Paribas
dan PT BNP Paribas Indonesia (2005-Juni 2007). Sejak 1975 hingga Indonesia (2005-June 2007). Since 1975 - 2002, he worked at various
2002 beliau berkarir di Bank Indonesia dengan berbagai posisi dan positions in Bank Indonesia and the latest position was Deputy
terakhir menjabat sebagai Deputi Gubernur Bank Indonesia (1998- Governor of Bank Indonesia (1998-2002). Since 2016 he also serves
2002). Sejak tahun 2016, beliau juga menjabat sebagai anggota as a Faculty Member of Bank Indonesia Institute.
Fakultas pada Institut Bank Indonesia.

Pendidikan/Pelatihan Tahun 2016 | Workshop/Trainings in 2016


Selama tahun 2016, beliau telah mengikuti beberapa pelatihan During 2016, he has participated in competence enhancement
peningkatan kompetensi. Ringkasan dapat dilihat pada Bab Tata trainings. Please see details on GCG chapter.
Kelola.

Hubungan Afiliasi | Affiliate Relations


Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the ultimate shareholder.

Laporan Tahunan 2016 Annual Report


120 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Pejabat Senior


Senior Management

Novalita Immanuddin Tjandra Leksanahadi


Kepala Satuan Kerja Audit Intern Head, Strategic Planning (Pjs)
Head, Internal Audit Head, Strategic Planning (Pjs)

Warga Negara Indonesia, 43 tahun. Warga negara Indonesia, 53 tahun.


Bergabung dengan Maybank Indonesia sejak Februari 2014 dengan Bergabung di Maybank Indonesia sejak April 2012 dengan
pengalaman 21 tahun di industri perbankan dan non-perbankan. pengalaman 7 tahun pada industri perbankan dan jasa keuangan
Sebelumnya beliau sempat menjabat sebagai Head of Compliance serta 18 tahun pada industri lainnya. Sebelumnya beliau sempat
& Money Laundering Reporting Officer di Bank ANZ, Chief Audit menjabat sebagai project Management Head di Maybank Indonesia,
Executive di Commonwealth Bank, Assistance Vice President project Management Head di AIA Financial, dan Senior Manager di
Quality Assurance di Citibank, dan Financial Management konsultan Accenture.
Consultant di Price Waterhouse Indonesia Konsultan. Indonesia citizen, 53 years old.
Indonesian citizen, 43 years old. He has joined Maybank Indonesia since April 2012 with 7 years
She has joined Maybank Indonesia since February 2014 with 21 experiences in banking and financial services industry and also 18
years experiences in banking and non-banking industry. Previously years in other industries. Previously he was Project Management
she was the Head of Compliance & Money Laundering Reporting Head at Maybank Indonesia, Project Management Head at AIA
Officer at ANZ Bank, Chief Audit Executive at Commonwealth Financial and Senior Manager at Accenture consultant.
Bank, Assistance Vice President Quality Assurance at Citibank, and
Financial Management Consultant at Price Waterhouse Indonesia
Konsultan.

Esti Nugraheni Mario Simanjuntak


Head, Corporate Communications & Branding Head, National Anti Fraud
Head, Corporate Communications & Branding Head, National Anti Fraud

Warga Negara Indonesia, 47 tahun. Warga Negara Indonesia, 48 tahun.


Bergabung dengan Maybank Indonesia sejak tahun 1993 dengan Bergabung dengan Maybank Indonesia sejak 1 Oktober 2015 dengan
pengalaman lebih dari 20 tahun di industri perbankan. Sebelumnya pengalaman 23 tahun di industri perbankan. Sebelumnya beliau
beliau sempat menjabat sebagai Head of Investor Relations, Head of sempat menjabat sebagai National Fraud&QA Head disalah satu
Office of the Board and Corporate Secretary di Maybank Indonesia. Bank umum swasta nasional di Indonesia.
Indonesian citizen, 47 years old. Indonesian citizen, 48 years old.
She has joined Maybank Indonesia since 1993 with more than 20 He has joined Maybank Indonesia since Oct 1th, 2015 with 23
years experience in banking industry. Previously she was Head years experience in banking industry. Previously he was a National
of Investor Relations, Head of Office of the Board and Corporate Fraud&QA Head in one national private Bank in Indonesia.
Secretary at Maybank Indonesia.

Herwin Bustaman Charles Budiman


Head, Shariah Banking (UUS) Community Distribution
Head, Shariah Banking (UUS) Community Distribution

Warga Negara Indonesia, 46 tahun. Warga Negara Indonesia, 43 tahun.


Bergabung dengan Maybank Indonesia sejak Januari 2013 dengan Charles Budiman menjabat sebagai Chief Strategic Planning Officer
pengalaman 12 tahun pada industri perbankan, 5 tahun di industri dan bergabung di Maybank Indonesia sejak tahun 2015 dengan
consumer goods dan 4 tahun di industri productivity management membawa total pengalaman 20 tahun. Sebelum bergabung dengan
consulting. Maybank Indonesia, Beliau bekerja sebagai Associate Director di
Indonesian citizen, 46 years old. PwC Consulting di Indonesia bertanggung jawab untuk Financial
He has joined Maybank Indonesia since January 2013 with 12 years Service Industry group. Sebelum itu Beliau menjabat sebagai
in banking industry, 5 years in fast moving consumer goods industry Executive Vice President di salah satu bank asing di Indonesia.
and 4 years in productivity management consulting industry. Indonesia citizen, 43 years old.
Charles Budiman is the Chief Strategic Planning Officer of Maybank
Indonesia and has joined Maybank Indonesia since 2015 with total
20 years working experience. Prior joining Maybank Indonesia,
he was an Associate Director at PwC Consulting in Indonesia
responsible for the Financial Service Industry group. Before that
he was Executive Vice President at one of the foreign banks in
Indonesia.

Laporan Tahunan 2016 Annual Report


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PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Pejabat Senior


Senior Management

Harris P. Simanjuntak Anindita Widyasari


Head, Anti Money Laundering & Assurance Head, Compliance Monitoring & Training Head, General
Head, Anti Money Laundering & Assurance Legal Counsel (Pjs)

Warga Negara Indonesia, 50 tahun. Warga Negara Indonesia, 48 tahun.


Bergabung dengan Maybank Indonesia sejak Juni 2003 dengan Bergabung dengan Maybank Indonesia sejak Desember 2009
pengalaman lebih dari 20 tahun di industri perbankan. Sebelumnya dengan pengalaman 26 tahun pada industri perbankan. Sebelumnya
beliau sempat menjabat sebagai Head of Corporate Secretary, beliau menjabat Consumer, SME and Subsidiary Companies
Corporate Communication & Office of the Board Deputy Division Compliance Head dan Head, General Legal Counsel di Maybank
Head serta Investor Relation Department Head di Maybank Indonesia.
Indonesia dan Team Leader di Badan Penyehatan Perbankan Indonesian citizen, 48 years old.
Nasional (BPPN). She has joined Maybank Indonesia since December 2009 with 26
Indonesian citizen, 50 years old. years experience in banking industry. Previously she was Consumer,
He joined Maybank Indonesia since June 2003 with more than 20 SME and Subsidiary Companies Compliance Head and Head,
years experience in banking industry. Previously he was Head of General Legal Counsel in Maybank Indonesia.
Corporate Secretary, Corporate Communication & Office of the
Board Deputy Division Head and Investor Relation Department
Head at Maybank Indonesia and Team Leader of Indonesia Bank
Restructuring Agency (IBRA).

Tenang Sitepu Poulce O E Welang


Head, Compliance Regulatory Affairs Head, Litigation
Head, Compliance Regulatory Affairs Head, Litigation

Warga Negara Indonesia, 45 tahun. Warga Negara Indonesia, 43 tahun.


Bergabung dengan Maybank Indonesia sejak Juni 2014 dengan Bergabung dengan Maybank Indonesia sejak April 2015 dengan
pengalaman 20 tahun di dunia perbankan. Sebelumnya beliau pengalaman 19 tahun di dunia perbankan. Sebelumnya beliau
pernah menjabat sebagai kepala divisi Data dan Informasi Bank pernah menjabat sebagai Litigation Counsel Head, Bank Danamon
dalam Pengawasan Khusus di Lembaga Penjamin Simpanan
Indonesia citizen, 43 years old.
Indonesia citizen, 45 years old. He has joined Maybank Indonesia since April 2015 with 19 years
He has joined Maybank Indonesia since June 2014 with 20 years experience in banking industry. Previously he was Litigation Counsel
experience in banking industry. Previously he was head of Data and Head at Bank Danamon
Information for Bank in Special Surveillance at Indonesia Deposit
Insurance Corporation

Budi Santoso Yosef Oktavianus Senobua


Head, Corporate Secretary Head, Enterprise Risk Capital & Risk Infrastructure
Head, Corporate Secretary Head, Enterprise Risk Capital & Risk Infrastructure

Warga Negara Indonesia, 48 tahun. Warga Negara Indonesia, 40 tahun.


Bergabung di Maybank Indonesia sejak 27 April 2016 dengan Bergabung dengan Maybank Indonesia sejak Agustus 2015
pengalaman 12 tahun. Sebelumnya beliau sempat menjabat sebagai dengan pengalaman 16 tahun di dunia perbankan dan industry
Group Head di Bank Danamon Indonesia. jasa. Sebelumnya beliau menjabat sebagai Market & Liquidity Risk
Analytics Head PT Bank Danamon Indonesia.
Indonesia citizen, 48 years old.
He has joined Maybank Indonesia since 27 April 2016 with 12 years Indonesian citizen, 40 years old.
experience in banking and financial services industry. Previously he He has joined Maybank Indonesia since Agustus 2015 with 16
was a Group Head at Bank Danamon Indonesia. years experience in banking and services industry. Previously he
was Market & Liquidity Risk Analytics Head at PT Bank Danamon
Indonesia.

Laporan Tahunan 2016 Annual Report


122 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Pejabat Senior


Senior Management

Ng Liu Ping Sam R Soelaeman


Head, Operational Risk & Business Continuity Head, Traded & Non Traded Risk
Head, Operational Risk & Business Continuity Head, Traded & Non Traded Risk

Warga Negara Indonesia, 42 tahun. Warga Negara Indonesia, 50 tahun.


Bergabung dengan Maybank Indonesia sejak 2013 dengan Bergabung dengan Maybank Indonesia sejak January 2005 dengan
pengalaman 21 tahun di industri perbankan, telekomunikasi dan pengalaman 26 tahun di industri perbankan. Sebelumnya beliau
pertambangan. Sebelumnya beliau sempat menjabat Vice President sempat menjabat sebagai Pemeriksa Bank bagian Treasury and
Operational Risk & Control di Bank Ekonomi (member HSBC Group), Market Risk di Bank Indonesia.
Assistant Vice President Operational Risk & Control di HSBC dan
Indonesian citizen, 50 years old.
Senior Manager di konsultan keuangan Center Investment &
He has joined for Maybank Indonesia since January 2005 with
Business Advisory (partners of Protiviti).
26 years experience in banking industry. Previously he worked as
Indonesian citizen, 42 years old. Treasury and Market Risk Bank Investigator at Bank Indonesia.
She has joined Maybank Indonesia since 2013 with 21 years
experience in banking, telecommunication and mining industry.
Previously she was Vice President Operational Risk & Control at
Bank Ekonomi (member HSBC Group), Assistant Vice President
Operational Risk & Control at HSBC dan Senior Manager at financial
consultancy Center Investment & Business Advisory (partners of
Protiviti).

Effendi Hengki Jemy Kristian Soegiarto


Country Credit Officer Head, Non Retail Credit QA, Policy & Portfolio
Country Credit Officer Head, Non Retail Credit QA, Policy & Portfolio

Warga Negara Indonesia, 46 tahun. Warga Negara Indonesia, 40 tahun.


Bergabung dengan Maybank Indonesia sejak Juni 2007 dan ditunjuk Bergabung dengan Maybank Indonesia sejak Juni 2015 dengan
sebagai Chief Credit Officer sejak tahun 2015. Sebelumnya, beliau pengalaman 16 tahun di dunia perbankan. Sebelumnya beliau
menjabat sebagai Head of Credit di Maybank Indonesia dan telah menjabat sebagai Head of Wholesale Credit Audit & Analytics di PT
berada di Bank ini selama lebih dari 9 tahun. Dengan pengalaman Bank CIMB Niaga Tbk .
lebih dari 21 tahun di industri perbankan dan jasa keuangan,
Indonesian citizen, 40 years old.
beliau merupakan ahli dalam merekomendasikan kebijakan
He has joined Maybank Indonesia since June 2015 with 16 years
dan pengawasan menyangkut eksposur kredit yang kompleks.
experience in banking and financial services industry. Previously he
Sebelumnya beliau sempat menjabat Kepala Biro Kredit di BCA,
was Head of Wholesale Credit Audit & Analytics at PT Bank CIMB
Group Head Credit Risk di Badan Penyehatan Perbankan Nasional
Niaga Tbk.
(BPPN) dan Financial Controller di APP Group Sinarmas.
Indonesian citizen, 46 years old.
He has joined for Maybank Indonesia since June 2007 and he was
appointed as Chief Credit Officer since 2015. Prior to this role, he
was the Head of Credit in Maybank Indonesia and has been with
the Bank for more than 9 years. With over 21 years of extensive
experience in banking and financial services industry, he is a Subject
Matter Expert in the prudent recommendation and oversight of
major, complex credit exposures. Previously he was Head of Credit
Bureau at BCA, Group Head of Credit Risk at Indonesia Bank
Restructuring Agency (IBRA) and Financial Controller at APP Group
Sinarmas.

Laporan Tahunan 2016 Annual Report


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Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Pejabat Senior


Senior Management

Emil Ananda Hilmy Stephanus Sugeng


Head, Retail Credit Policy & Portfolio Management Head, GB Remedial
Head, Retail Credit Policy & Portfolio Management Head, GB Remedial

Warga Negara Indonesia, 48 tahun. Warga Negara Indonesia, 44 tahun.


Bergabung dengan Maybank Indonesia sejak September 2013 Bergabung di Maybank Indonesia sejak 2016 dengan pengalaman di
dengan pengalaman 21 tahun di dunia perbankan dan lembaga perbankan selama 20 tahun. Sebelumnya beliau sempat menjabat
keuangan. Sebelumnya beliau menjabat sebagai Direktur Risk sebagai Head Special Assets Management di PT. Bank Permata, Tbk.
& Finance di PT Bank Sinar Harapan Bali yang merupakan anak
Indonesia citizen, 44 years old.
perusahaan dari PT Bank Mandiri Tbk.
He has joined Maybank Indonesia since 2016 with 20 years
Indonesian citizen, 48 years old. experience in banking and financial services industry. Previously he
He has joined Maybank Indonesia since September 2013 with was Head Special Assets Management at PT. Bank Permata, Tbk.
21 years experience in banking and financial services industry.
Previously he was Risk & Finance Director at PT Bank Sinar Harapan
Bali, a subsidiary of PT Bank Mandiri Tbk.

Iwan Suherman Kok Hendrik Progo


Head, Central Processing Center & Credit Operation Head, Operation Processing Center & Branch Operation
Head, Central Processing Center & Credit Operation Control Coordinator

Warga Negara Indonesia, 48 tahun. Warga Negara Indonesia, 47 tahun.


Bergabung dengan Maybank Indonesia sejak April 1993 dengan Bergabung dengan Maybank Indonesia sejak Maret 1993 dengan
pengalaman 25 tahun di industri perbankan. Sebelumnya, di pengalaman 23 tahun di industri perbankan dan juga berpengalaman
Maybank Indonesia beliau pernah menjabat sebagai Regional sebagai auditor. Sebelumnya di Maybank Indonesia, beliau sempat
Operation Head Thamrin-Fatmawati Regional Operation Head menjabat sebagai Regional Operation Head, Delivery Channel
Juanda-Ekajiwa, International Payment Head, Trade Finance Operation Head dan Branch Network Head.
Department Head, and Treasury Operation Head.
Indonesian citizen, 47 years old.
Indonesian citizen, 48 years old. He has joined Maybank Indonesia since March 1993 with 23 years
He has joined Maybank Indonesia since April 1993 with 25 years experience in banking industry and also experienced as an auditor.
experience in banking industry. Previously he was Regional Previously he was Regional Operation Head, Delivery Channel
Operation Head Thamrin-Fatmawati, Regional Operation Head Operation Head and Branch Network Head at Maybank Indonesia.
Juanda-Ekajiwa, International Payment Head, Trade Finance
Department Head and Treasury Operation Head, at Maybank
Indonesia.

Sabdo Kreswantoro Kristiani Siwi Purwoningsih


Head, Centralized Customer Care (Pjs) Head, Service Quality
Head, Centralized Customer Care (Pjs) Head, Service Quality

Warga Negara Indonesia, 40 tahun. Warga Negara Indonesia, 41 tahun.


Bergabung dengan Maybank Indonesia sejak 2002, dengan Bergabung dengan Maybank Indonesia sejak Desember 1996
pengalaman di perbankan selama 14 tahun. Beliau memulai karirnya dengan pengalaman 19 tahun di industri perbankan. Memulai karir
di dunia perbankan sebagai agent call center dengan jabatan perbankan sebagai Front liner dan sempat menjabat sebagai Area
terakhir sebagai Customer Feedback Resolution Management Head. Operation Manager di Jawa Tengah, sebelum memulai perjalanannya
dengan Service Quality sebagai Service Development Head.
Indonesia citizen, 40 years old.
Pada tahun 2011 memegang Divisi Service Quality sebagai Head ,
He has joined Maybank Indonesia since 2002 with 14 years’
Service Quality. Dan pada tahun 2014, ybs menjabat sebagai Head
experience in banking and financial services industry. His journey in
Service Quality & Business Continuity Management Head sebelum
banking industry is started as call center agent and his last position
menjabat posisinya sekarang, sebagai Head Customer Experience
as Customer Feedback Resolution Management Head.
dengan tetap mengarahkan & mengkoordinasi unit kerja Business
Continuity Management.
Indonesian citizen, 41 years old.
She has joined Maybank Indonesia since December 1996 with 19
years experience in banking industry. Started her career in Banking
Industry as Front liner and had sufficient time, served as Area
Operation Manager at Jawa Tengah, before start her journey with
Service Quality as Service Development Head. At 2011, she handle
SQ Division as Head, Service Quality, then at 2014 she became Head
Service Quality & Business Continuity Management before her
current position, as Head, Customer Experience while assisting and
coordinating the Business Continuity Management Unit.

Laporan Tahunan 2016 Annual Report


124 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Pejabat Senior


Senior Management

Alex Santosa Janto Tirtadjaja


Head, Delivery Channel, Cash Monitoring, Operation Head, Operations, System Support & Development
Procedure, & Risk Management (Pjs) Head, Operations, System Support & Development

Warga Negara Indonesia, 53 tahun. Warga Negara Indonesia, 47 tahun.


Bergabung di Maybank Indonesia sejak 1989 dengan pengalaman 28 Bergabung dengan Maybank Indonesia sejak Oktober 1993 dengan
tahun di perbankan. Sebelumnya beliau sempat menjabat sebagai pengalaman 22 tahun di industri perbankan. Sebelumnya di
Regional Surpervisory & Support ( RSS Jakarta tahun 2015 ) Maybank Indonesia, beliau sempat menjabat sebagai Kepala Bagian
di Operation Center Division.
Indonesia citizen, 53 years old.
He has joined Maybank Indonesia since 1989 with 28 years Indonesian citizen, 47 years old.
experience in banking industry. Previously he was Regional He has joined Maybank Indonesia since October 1993 with 22 years
Surpervisory & Support ( RSS Jakarta tahun 2015 ). experience in banking industry. Previously he was Department
Head of Operation Center Division at Maybank Indonesia.

Risham Akashah Bin Kamaruzaman Mia Esti Sri Rezeki


Head, Information Technology Head, IT Risk Management
Head, Information Technology Head, IT Risk Management

Warga Negara Malaysia, 44 tahun. Warga Negara Indonesia, 58 tahun.


Bergabung di Maybank Indonesia sejak 5 Oktober 2016 dengan Bergabung dengan Maybank Indonesia sejak Feb 2016 dengan
pengalaman 18 tahun. Sebelumnya beliau sempat menjabat sebagai pengalaman 34 tahun di dunia perbankan. Sebelumnya beliau
Head of International di Maybank Kuala Lumpur dan juga sempat pernah menjabat sebagai IT Operation & Services Head
mendapatkan assignment di Philippines, Manila sebagai Acting
Indonesia citizen, 58 years old.
Head of IT/Chief Information Officer (CIO) year 2015.
He has joined Maybank Indonesia since Feb 2016 with 34 years
Malaysian citizen, 44 years old. experience in banking industry. Previously she was IT Operation &
He has joined Maybank Indonesia since 5 October 2016 with 18 years Services Head
experience in banking and financial services industry. Previously he
was Head of International in Maybank Kuala Lumpur, he also had
assignment in Philippines, Manila – as Acting Head of IT/Chief
Information Officer (CIO) year 2015.

Tjatur Widjajanto Setyorini Rahayu


Head, Corporate Security Management Head, Business Human Capital CFS & Community Distribution
Head, Corporate Security Management Head, Rewards, OD & Strategy (Pjs)

Warga Negara Indonesia, 46 tahun. Warga Negara Indonesia, 47 tahun.


Bergabung dengan Maybank Indonesia sejak 2015 dengan Bergabung dengan Maybank Indonesia sejak September 2010
pengalaman 11 tahun di dunia security perbankan. Sebelumnya dengan pengalaman 22 tahun di industri perbankan. Beberapa
beliau pernah menjabat sebagai berbagai pimpinan security baik posisi yang pernah dijabat yang bersangkutan adalah Pjs. Head,
dunia perbankan dan industry lainnya. Pada September 2016, Beliau Employee Relations, Head, BHC Business Banking, Head, HC Shared
memperoleh Certified Corporate Security Management Specialist Services, Resourcing Center Head dan Recruitment & Sourcing and
dari Chartered International Institute of Security and Crisis Talent Head. Sebelum bergabung dengan Maybank Indonesia beliau
Management, Singapore. bekerja di Bank Permata dengan posisi terakhir sebagai Banking
Associate Program & Personal Development Head.
Indonesia citizen, 46 years old.
He has joined Maybank Indonesia since 2015 with 11 years experience Indonesian citizen, 47 years old.
in banking industry. Previously beside on banking security he also She has joined Maybank Indonesia since September 2010 with 22
have experience to lead security department at another industrial years experience in the banking industry. Previously she was Pjs.
business. In September 2016, He got Certified Corporate Security Head, Employee Relations Head, BHC Business Banking, Head,
Management Specialist from Chartered International Institute of HC Shared Services, Resourcing Center Head and Recruitment &
Security and Crisis Management, Singapore. Sourcing and Talent Head at Maybank Indonesia. Prior to joining
Maybank Indonesia, she worked at Bank Permata with last position
as Banking Associate Program & Personal Development Head.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
125
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Pejabat Senior


Senior Management

Paulus Danang Yanri Hatmoko Donny Damarwulan


Head, Talent Management & Organization Learning Head, Employee Relations & Health Safety
Head, Talent Management & Organization Learning Head, Employee Relations & Health Safety

Warga Negara Indonesia, 40 tahun. Warga Negara Indonesia, 51 tahun.


Bergabung dengan Maybank Indonesia sejak Januari 2007. Bergabung dengan Maybank Indonesia sejak 2016 dengan
Sebelumnya, beliau menjabat beberapa posisi di Maybank Indonesia pengalaman 26 tahun di dunia Hubungan Industrial. Sebelumnya
termasuk Human Capital Development Head, Talent Management beliau pernah menjabat sebagai , HR BP & IR di PT Ceva Logistics
Head dan People Development Manager. Sebelum bergabung Indonesia dan TNT Indonesia.
dengan Maybank Indonesia, beliau memegang beberapa posisi di
Indonesia citizen, 51 years old.
PT Astra Internasional Indonesia Tbk – Isuzu Sales Operations pada
He has joined Maybank Indonesia since 2016 with 26 years
area pengembangan sumber daya manusia.
experience in of Industrial Relations. Previously, HR BP & IR in PT
Indonesian citizen, 40 years old. Ceva Logistics Indonesia and TNT Indonesia.
He has joined Maybank Indonesia since January 2007. Previously,
he held several positions at Maybank Indonesia include Human
Capital Development Head, Talent Management Head and People
Development Manager. Prior to joining Maybank Indonesia, he
served several positions at PT Astra Internasional Indonesia Tbk –
Isuzu Sales Operations in area of people development.

Nelda Victoria Siburian Hendrawan Nasroen


Head, Business Human Capital Global Banking & Corp. Head, Human Capital Operations
Functions Head, Human Capital Operations

Warga Negara Indonesia, 44 tahun. Warga Negara Indonesia, 43 tahun.


Bergabung di Maybank Indonesia sejak 25 Juli 2016 dengan 21 Bergabung dengan Maybank Indonesia sejak Oktober 2015
tahun pengalaman di industri Keuangan dan Perbankan dan juga dengan pengalaman 17 tahun di industri perbankan dan 5 tahun
industri Minuman Ringan. Sebelumnya beliau sempat menjabat pada industri lainnya, umumnya menangani Human Capital dan
sebagai Strategic Business Partner Indonesia & Papua New Guinea Corporate Communications. Sebelumnya beliau pernah menjabat
di PT Coca-Cola Indonesia, VP HR Relationship Manager di PT Bank sebagai Senior Vice President HR Business Partner di PT Bank
Permata, Coordinator of Leadership & Managerial School dan HR Commonwealth Indonesia, Vice President Internal Communications
Advisor di Royal Bank of Scotland (ABN Amro Bank NV), dan Senior & Corporate Sustainability di PT Bank Ekonomi Raharja Tbk, Assistant
HR Consultant di PT Siddharta Consulting KPMG International. Vice President Brand Management & Internal Communication di
HSBC Indonesia, Employee Communication & Activity Officer di PT
Indonesia citizen, 44 years old.
Mattel Jakarta Dua, HRD Officer di PT Bank Jaya International dan
She has joined Maybank Indonesia since 25 July 2016 with 21
Technical Assistant - Computer Application Data Management di PT
years experience in banking and financial services industry and
Mobil Indonesia Inc.
also Beverage industry. Previously she was the Strategic Business
Partner Indonesia & Papua New Guinea at PT Coca-Cola Indonesia, Indonesian citizen, 43 years old.
VP HR Relationship Manager at PT Bank Permata, Coordinator of He has joined Maybank Indonesia since October 2015 with 17 years
Leadership & Managerial School and HR Advisor at Royal Bank of experience in the banking industry and 5 years experience in other
Scotland (ABN Amro Bank NV), and Senior HR Consultant at PT industry, handling Human Capital and Corporate Communications.
Siddharta Consulting KPMG International. Previously he was Senior Vice President, HR Business Partner
at PT Bank Commonwealth Indonesia, Vice President Internal
Communications & Corporate Sustainability at PT Bank Ekonomi
Raharja Tbk, Assistant Vice President Brand Management & Internal
Communication at HSBC Indonesia, Employee Communication &
Activity Officer at PT Mattel Jakarta Dua, HRD Officer at PT Bank
Jaya International, and Technical Assistant - Computer Application
Data Management at PT Mobil Indonesia Inc.

Laporan Tahunan 2016 Annual Report


126 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Pejabat Senior


Senior Management

Cincin Lisa Nurmala Damanik


Head, Finance & Accounting (Pjs) Head, Financial Planning, Performance Management &
Head, Finance & Accounting (Pjs) Reporting

Warga Negara Indonesia, 38 tahun. Warga Negara Indonesia, 50 tahun.


Bergabung di Maybank Indonesia sejak 2005 dengan pengalaman Bergabung dengan Maybank Indonesia sejak Agustus 1991 dengan
16 tahun di industry perbankan dan jasa keuangan. Sebelumnya pengalaman 26 tahun di industri perbankan. Sebelumnya di
di Maybank Indonesia, beliau sempat menjabat sebagai Financial Maybank Indonesia, beliau pernah menjabat sebagai Pimpinan
Reporting Head. Cabang Maybank Indonesia Mumbai dan Head Auditor untuk
Indonesia citizen, 38 years old. Kantor Cabang Luar Negeri, Capital Markets, Credit Card serta
She has joined Maybank Indonesia since 2005 with 16 years Kantor Cabang.
experience in banking and financial services industry. Previously she
Indonesian citizen, 50 years old.
was Financial Reporting Head at Maybank Indonesia.
She has joined Maybank Indonesia since August 1991 with 26 years
experience in the banking industry. Previously she was Branch
Manager of Maybank Indonesia Mumbai and Head Auditor for
overseas branches, Capital Market, Credit Card and Branches at BI.

Ng Cin Cin Eduard H Giasi


Head, Corporate Finance & Capital Management Head, Procurement, Premises & Vendor Relations
Head, Corporate Finance & Capital Management Head, Procurement, Premises & Vendor Relations

Warga negara Indonesia, 39 tahun. Warga Negara Indonesia, 49 tahun.


Bergabung dengan Maybank Indonesia sejak tahun 2010 dengan Bergabung di Maybank Indonesia sejak tahun 1989 dengan
pengalaman 11 tahun di dunia perbankan. Beliau telah berpengalaman pengalaman 28 tahun di industri perbankan. Sebelumnya beliau
sebelumnya dalam berbagai aksi korporasi, termasuk di antaranya sempat menjabat sebagai Regional Supervision Support di Maybank
penerbitan surat hutang dengan tujuan pendanaan jangka panjang Indonesia
maupun diversifikasi struktur permodalan, penerbitan saham baru, Indonesia citizen, 49 years old.
serta merger dan akuisisi dengan tujuan pertumbuhan bank secara He has joined Maybank Indonesia since 1989 with 28 years
inorganik. experience in banking and financial services industry Previously he
Indonesia citizen, 39 years old. was Regional Supervision Support at Maybank Indonesia.
She has joined Maybank Indonesia since 2010 with 11 years
experience in the banking industry. She has wide experience in
handling corporate actions, included but not limited to bonds
issuance for the purpose of long term funding and/or capital
structure diversification, rights issue, and merger and acquisition
for inorganic growth.

I Made Budhi P Artha Nirmala Salli


Head, Global Markets & Corporate Treasury Head, Transaction Banking
Head, Global Markets & Corporate Treasury Head, Transaction Banking

Warga Negara Indonesia, 44 tahun. Warga Negara Indonesia, 51 tahun.


Bergabung dengan Maybank Indonesia sejak 3 Oktober 2015 dengan Bergabung di Maybank Indonesia sejak September 2016 dengan
pengalaman 21 tahun di dunia perbankan pada berbagai institusi, pengalaman di perbankan lebih dari 22 tahun. Sebelumnya
seperti Bank Mandiri, Reuters, Deutsche Bank dan Citibank. beliau sempat menjabat sebagai Country Head, Global Trade and
Sebelumnya beliau pernah menjabat sebagai Head, Global Markets, Receivables Finance, di HSBC Indonesia.
Maybank.
Indonesia citizen, 51 years old.
Indonesia citizen, 44 years old. She has joined Maybank Indonesia since September 2016, with
He has joined Maybank Indonesia since 3 October 2015 with 21 over 22 years experience in banking and financial services industry,
years experience in banking industry in several institutions, named Previously she was the Country Head, Global Trade and Receivables
Bank Mandiri, Reuters, Deutsche Bank and Citibank. Previously he Finance, HSBC Indonesia, Jakarta.
was Head, Global Markets, Maybank.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
127
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Pejabat Senior


Senior Management

Handojo Wibawanto Ricky Antariksa


Head, Local Corporate & Multinationals Head, Public Sector & Energy
Head, Local Corporate & Multinationals Head, Public Sector & Energy

Warga Negara Indonesia, 48 tahun. Warga Negara Indonesia, 51 tahun.


Bergabung dengan Maybank Indonesia sejak Juli 2015 dengan Bergabung dengan Maybank Indonesia sejak Juni 2009 dengan
pengalaman 24 tahun di industri perbankan. Beliau mengawali karir pengalaman 26 tahun di industri perbankan. Sebelumnya beliau
sebagai Relationship Manager Corporate and Investment Banking pernah menjabat sebagai Global Market Head di Maybank
di Bank Modern pada 1993, sebelum bergabung dengan Citibank Indonesia dan CIMB Niaga. Beliau memulai karir perbankan sejak
di tahun 1996, dimana beliau menempati berbagai posisi dimulai 1990 di Citibank NA Indonesia.
dengan Quality Assurance Unit, dan posisi terakhir di Debt Capital
Indonesian citizen, 51 years old.
Market. Beliau berkesempatan untuk mengelola portfolio distressed
He has joined Maybank Indonesia since June 2009 with 26 years
assets di Standard Chartered Bank dan Bank Danamon, sebelum
experience in the banking industry. Previously he was Global Market
bergabung dengan HSBC di tahun 2010 sebagai Head Large Local
Head at Maybank Indonesia and CIMB Niaga. He started his career
Corporate dengan fokus pengembangan portfolio Corporate
in banking since 1990 at Citibank NA Indonesia.
Banking. Beliau kemudian bergabung dengan Rabobank pada akhir
tahun 2013 sebagai Head Loan Product Group.
Indonesian citizen, 48 years old.
He has joined Maybank Indonesia since July 2015 with 24 years
experience in the banking industry. He started his career as
Relationship Manager Corporate and Investment Banking at Bank
Modern in 1993 before he joined Citibank in 1996 and served several
positions started in Quality Assurance Unit and last position in Debt
Capital Market.
He had the opportunity to managed distressed assets portfolio in
the Standard Chartered Bank and Bank Danamon, before he joined
HSBC in 2010 as Head Large Local Corporate with focused on
the development of Corporate Banking portfolio. Then he joined
Rabobank in 2013 as Head Loan Product Group.

Sufen Triantio Stefanus Willy Soekianto


Head, Business Planning & Performance Management Head, Wealth Management, Segment Strategy, & E-Channel
Head, Business Planning & Performance Management Head, Wealth Management, Segment Strategy, & E-Channel

Warga Negara Indonesia, 40 tahun. Warga Negara Indonesia, 51 tahun.


Bergabung dengan Maybank Indonesia sejak 2013 dengan Bergabung dengan Maybank Indonesia sejak Oktober 2005
pengalaman 18 tahun di bidang perbankan dan jasa keuangan. dengan pengalaman 25 tahun di industri perbankan. Sebelumnya
Sebelumnya beliau pernah menjabat sebagai VP Planning & di Maybank Indonesia, beliau pernah menjabat sebagai Head of
Business Development di HSBC, AVP Investor Relation di Bank Funding Business Product & Consumer Strategy; dan beliau pernah
Danamon, dan Manager - Transaction Services di konsultan menjabat sebagai VP Head of Van Gogh Preferred Banking di ABN
keuangan PricewaterhouseCoopers. AMRO Bank sebelum bergabung dengan Maybank Indonesia .
Indonesian citizen, 40 years old. Indonesian citizen, 51 years old.
She has joined Maybank Indonesia since 2013 with 18 years He has joined Maybank Indonesia since October 2005 with 25
experience in the banking and financial services industry. Previously years experience in the banking Industry. Previously he was Head
she was the VP Planning & Business Development at HSBC, AVP of Funding Business Product & Consumer Strategy at Maybank
Investor Relations at Bank Danamon and Transaction Services Indonesia; and prior to joining Maybank Indonesia, he was VP Head
Manager at PricewaterhouseCoopers. of Van Gogh Preferred Banking at ABN AMRO Bank.

Laporan Tahunan 2016 Annual Report


128 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Profil Pejabat Senior


Senior Management

Djojo Boentoro Hevi Angweita


Head, Consumer Finance Head, Liabilities & Sales
Head, Consumer Finance Head, Liabilities & Sales

Warga Negara Indonesia, 50 tahun. Warga Negara Indonesia, 51 tahun.


Bergabung dengan Maybank Indonesia sejak Desember 2010 Bergabung dengan Maybank Indonesia sejak Januari 1989 dengan
dengan pengalaman 24 tahun di industri perbankan. Sebelumnya pengalaman 28 tahun di industri perbankan. Sebelumnya, di
beliau pernah menjabat sebagai Member Relation Director di Maybank Indonesia beliau pernah menjabat sebagai Head, Funding
MasterCard International di Jakarta. Beliau juga pernah menjabat Product Management dan Head, Liabilities di Maybank Indonesia
sebagai Kepala Kantor Wilayah di Medan (1997-1999) dan Kapala Indonesian citizen, 51 years old.
Kantor Wilayah Surabaya (1999-2002) serta Kepala Divisi Perbankan She has joined Maybank Indonesia since January 1989 with 28
Konsumen (2002-2005) dan Head Mortgage di Maybank Indonesia years experience in the banking industry. Previously she was Head,
(2010-2016). Funding Product Management and Head, Liabilities at Maybank
Indonesia.
Indonesian citizen, 50 years old.
He has joined Maybank Indonesia since December 2010 with
24 years-experience in the banking industry. Previously he was
Member Relation Director at MasterCard International Jakarta
Office. He also was Regional Office Head at Medan (1997-1999)
and Regional Office Head at Surabaya (1999-2002), as Consumer
Banking Division Head (2002-2005), and as Head Mortgage at
Maybank Indonesia (2010-2016).

Ratna Ningsih Baskoro Widyopranoto


Head, Business Process & Approval Head, Risk Management CFS (Pjs)
Head, Business Process & Approval Head, Risk Management CFS (Pjs)

Warga Negara Indonesia, 53 tahun. Warga Negara Indonesia, 46 tahun.


Bergabung dengan Maybank Indonesia sejak November 1986 Bergabung di Maybank Indonesia sejak Maret 2012 dengan
dengan pengalaman 28 tahun pada industri perbankan. Sebelumnya pengalaman 18 tahun di industri perbankan. Sebelumnya beliau
di Maybank Indonesia, beliau pernah menduduki beberapa jabatan sempat menjabat sebagai Head, monitoring and Authorization di
strategis diantaranya Head of Bankwide Risk Management dan Maybank Indonesia.
Head of Mortgage dan yang posisi strategis lainnya.
Indonesia citizen, 46 years old.
Indonesian citizen, 53 years. He has joined Maybank Indonesia since march 2012 with 18 years
She has joined Maybank Indonesia since November 1986 with experiences in banking and financial services industry. Previously
28 years experience in banking industry. Previously she worked he was Head, monitoring and Authorization at Maybank Indonesia.
at several strategic positions that include Head of Bankwide
Risk Management and Head of Mortgage and the other strategic
position.

Likia Rudy Gomedi


Head, Business Planning & Analytics Head, Business Banking
Head, Business Planning & Analytics Head, Business Banking

Warga Negara Indonesia, 43 tahun. Warga Negara Indonesia, 50 tahun.


Bergabung dengan Maybank Indonesia sejak awal tahun 2014 Bergabung dengan Maybank Indonesia sejak Januari 2011 dengan
dengan pengalaman 6 tahun di dunia perbankan dan 14 tahun pengalaman 25 tahun di industri perbankan. Sebelumnya beliau
sebagai auditor dan konsultan keuangan. Sebelumnya beliau pernah pernah menjabat sebagai Corporate Risk Head di Barclays Bank,
menjabat sebagai Head Strategic Information Management dan Direktur Manajemen Risiko di WOM Finance dan Head, Client
Head Finance Project pada perusahaan perbankan terkemuka Coverage di Maybank Indonesia.
lainnya.
Indonesian citizen, 50 years old.
Indonesian citizen, 43 years old.
He has joined Maybank Indonesia since January 2011 with 25 years
He has joined Maybank Indonesia since early 2014 with 6 years
experience in banking industry. Previously he was Corporate Risk
experience in the banking industry and 14 years experience as
Head at Barclays Bank, Risk Director at WOM Finance and Head,
auditor and financial advisor. Previously he was Head of Strategic
Client Coverage at Maybank Indonesia.
Information Management and Head of Finance Project at other
well-known banking companies.

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
129
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Profil Pejabat Senior


Senior Management

Lian Sorimuda Nasution


Head, Asset Quality Management
Head, Asset Quality Management

Warga Negara Indonesia, 54 tahun. Indonesian citizen, 54 years old.


Bergabung dengan Maybank Indonesia sejak September 1989 He has joined Maybank Indonesia since September 1989 with 27
dengan pengalaman 27 tahun pada industri perbankan. Sebelumnya, years experience in the banking industry. Previously he was Branch
di Maybank Indonesia beliau pernah menjabat sebagai Pimpinan Manager in many branch at South Jakarta area, Deputy Head Special
cabang di beberapa cabang wilayah Jakarta Selatan, Deputy Head Asset Management, SCBC Head Regional Jawa Barat, Regional
Special Asset Management, SCBC Head Regional Jawa Barat, Head of SMEC – West Java & Central Java, Regional Head of SMEC
Regional Head SMEC – Jawa Barat & Jawa Tengah, Regional Head – Ekajiwa & Fatmawati, Head of SMEC Collection & Recovery, Head
SMEC – Ekajiwa & Fatmawati, Head SMEC Collection & Recovery, Micro Banking and Head CFS & Asset Quality Management at
Head Micro Banking dan Head CFS & Asset Quality Management. Maybank Indonesia.

Regional Director
Regional Director

Asep Ahmad Junaedi Michael Suryadi


Regional Director – Sumatera Selatan (Pjs) Regional Director – Jakarta Utara
Regional Director – Sumatera Selatan (Pjs) Regional Director – Jakarta Utara

Warga Negara Indonesia, 48 tahun. Warga Negara Indonesia, 49 tahun.


Bergabung dengan Maybank Indonesia sejak 21 Maret 1994 dengan Bergabung dengan Maybank Indonesia sejak Mei 2011 dengan
pengalaman 22 tahun di dunia perbankan. Sebelumnya menjabat pengalaman 24 tahun di industri perbankan. Sebelumnya beliau
sebagai ROS di Sumatera Utara dan RSS di Sumatera Selatan. pernah menjabat sebagai Cluster Head di Bank OCBC NISP.
Indonesia Citizen, 48 years old. Indonesian citizen, 49 years old.
He has joined Maybank Indonesia since 21 March 1994 with 22 He has joined Maybank Indonesia since May 2011 with 24 years
years experience in the banking Industry. Previously he was ROSS in experience in the banking industry. Previously he was the Cluster
North Sumatera and RSS in South Sumatera. Head of Bank OCBC NISP.

Janny Johana Lewa Isty Rochah


Regional Director – Jakarta Pusat Regional Director – Jawa Barat
Regional Director – Jakarta Pusat Regional Director – Jawa Barat

Warga Negara Indonesia, 51 tahun. Warga Negara Indonesia, 52 tahun.


Bergabung dengan Maybank Indonesia sejak April 1990 dengan Bergabung dengan Maybank Indonesia sejak Februari 1990 dengan
pengalaman 27 tahun di industri perbankan. Sebelumnya beliau pengalaman 26 tahun di industri perbankan. Sebelumnya beliau
pernah menjabat sebagai Head, Regional Business Sulawesi & IBT. pernah menjabat sebagai Regional Sales Head di wilayah Jawa Barat
dan Jawa Tengah.
Indonesian citizen, 51 years old.
She has joined Maybank Indonesia since April 1990 with 27 years Indonesian citizen, 52 years old.
experience in the banking industry. Previously she was Head of She has joined Maybank Indonesia since February 1990 with 26
Regional Business Sulawesi & IBT. years experience in the banking industry. Previously she was
Regional Sales Head in West Java and Central Java area.

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Profil Pejabat Senior


Senior Management

Bennedi Sianipar Andri Yusfiana Sambas


Regional Director – Sumatera Utara Regional Director – Jatim, Bali & Nusra
Regional Director – Sumatera Utara Regional Director – Jatim, Bali & Nusra

Warga Negara Indonesia, 50 tahun. Warga Negara Indonesia, 44 tahun.


Bergabung dengan Maybank Indonesia sejak September 1991 Bergabung dengan Maybank Indonesia sejak 1995 dengan
dengan pengalaman 25 tahun di industri perbankan. Sebelumnya pengalaman 21 tahun di industri perbankan. Sebelumnya beliau
beliau pernah menjabat sebagai Head, Regional Business – Sumatera pernah menjabat sebagai Regional Business Head Bali & Nusra, Area
Selatan, Head, SME Commercial Banking Center di Palembang dan Business Manager Thamrin, Area Business Manager MT Haryono
Medan serta Area Business Manager Bandar Lampung. and Team Member Project TIGER (IMPACT).

Indonesian citizen, 50 years old. Indonesian citizen, 44 years old.


He has joined Maybank Indonesia since September 1991 with 25 He has joined Maybank Indonesia since 1995 with 21 years
years experience in the banking industry. Previously he was Head, experience in the banking industry. Previously he was Regional
Regional Business – Sumatera Selatan, Head of SME Commercial Business Head Bali & Nusra, Area Business Manager Thamrin, Area
Banking Center in Palembang and Medan, and also Area Business Business Manager MT Haryono and Team Member of Project TIGER
Manager in Bandar Lampung. (IMPACT).

Ting Ananta Setiawan Margareta


Regional Director – Sulawesi & IBT Regional Director, Kalimantan (Pjs)
Regional Director – Sulawesi & IBT Regional Director, Kalimantan (Pjs)

Warga Negara Indonesia, 51 tahun. Warga Negara Indonesia, 49 tahun.


Bergabung dengan Maybank Indonesia sejak 1988 dengan Bergabung dengan Maybank Indonesia sejak 2011 dengan
pengalaman lebih dari 22 tahun di industri perbankan. Sebelumnya pengalaman 26 tahun di industri perbankan. Sebelumnya, beliau
pernah menjabat sebagai anggota independen Komite Audit di menjabat sebagai Area Branch Manager Maybank di Pontianak dan
WOM Finance, Managing Partner di PT Prima Prudentia Kapital dan Branch Manager Retail Banking Danamon di Pontianak.
Direktur pada PT Media Nusa Pradana. Indonesian citizen, 49 years old.
Indonesian citizen, 51 years old. She has joined Maybank Indonesia since 2011 with 26 years
He has joined Maybank Indonesia since 1988 with more than 22 years experience in the banking industry. Previously she was Area Branch
experience in the banking industry. Previously he was independent Manager Maybank in Pontianak and Branch Manager Retail Banking
member of Audit Committee at WOM Finance, Managing Partner at Danamon in Pontianak.
PT Prima Prudentia Kapital and Director at PT Media Nusa Pradana.

Bennedi Sianipar
Regional Director – Jawa Tengah (Pjs)
Regional Director – Jawa Tengah (Pjs)

Warga Negara Indonesia, 50 tahun.


Bergabung dengan Maybank Indonesia sejak September 1991
dengan pengalaman 25 tahun di industri perbankan. Sebelumnya
beliau pernah menjabat sebagai Head, Regional Business – Sumatera
Selatan, Head, SME Commercial Banking Center di Palembang dan
Medan serta Area Business Manager Bandar Lampung.

Indonesian citizen, 50 years old.


He has joined Maybank Indonesia since September 1991 with 25
years experience in the banking industry. Previously he was Head,
Regional Business – Sumatera Selatan, Head of SME Commercial
Banking Center in Palembang and Medan, and also Area Business
Manager in Bandar Lampung.

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Jumlah Karyawan
Total Employees

Per 31 Desember 2016, Jumlah karyawan PT Bank Maybank As of December 31, 2016, PT Bank Maybank Indonesia Tbk
Indonesia Tbk tercatat sebanyak 7.569 orang, menurun 12,5% had a total of 7,569 employees, decreased by 12.5% compared
dibandingkan tahun 2015 yang berjumlah 8.518 karyawan. with total 8,518 employees in 2015.

Komposisi Karyawan Berdasarkan Tingkat Pendidikan


Employee Composition by Education Level
Tingkat Pendidikan | Education Level 2016 2015 2014
Doktor/S3 | Doctorate/S3 1 1 1
Pasca Sarjana/S2 | Postgraduate/S2 250 264 267
Sarjana/S1 | Bachelor's Degree/S1 5,420 6,100 6,116
Diploma (D1, D2, D3, D4) | Diploma (D1, D2, D3, D4) 1,204 1,398 1,463
SMA dan setingkat | High school and equivalent 683 742 800
SMP dan setingkat | Secondary school and equivalent 9 11 14
SD dan setingkat | Primary school and equivalent 2 2 6
Grand Total 7,569 8,518 8,667

Komposisi Karyawan Berdasarkan Usia


Employee Composition by Age
Usia | Age 2016 2015 2014
17-25 863 1,181 1,396
26-30 1,982 2,252 2,162
31-35 1,324 1,496 1,507
36-40 1,072 1,192 1,213
41-45 1,122 1,286 1,355
46-50 840 794 781
Diatas 50 | Above 50 366 317 253
Grand Total 7,569 8518 8667

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Informasi Pemegang Saham


Shareholders Information

Per 31 Desember 2016, komposisi kepemilikan saham di As of 31 December 2016, the following are shareholding
Maybank Indonesia adalah sebagai berikut: composition of Maybank Indonesia:

No Pemegang Saham Jumlah Saham Persentase Kepemilikan


Shareholders Number of Shares Ownership Percentage
a. Pemegang Saham yang Memiliki 5% atau Lebih Saham | Shareholders above 5% or Over
1 Sorak Financial Holding Pte. Ltd. 30,499,981,823 45.02
Maybank Offshore Corporate Services (Labuan) Sdn Bhd 23,006,572,441 33.96
UBS AG London 12,402,816,699 18.31
b. Anggota Direksi dan Anggota Dewan Komisaris yang Memiliki Saham | Shares Ownership by Members of the Board of
Directors and Board of Commissioners
1 Dewan Komisaris | Board of Commissioners Tidak Ada | None -
2 Direksi | Board of Directors Tidak Ada | None -
c. Kelompok Pemegang Saham Masyarakat yang Memiliki Kurang Dari 5% Saham | Less than 5% Shares Ownership by
Public
1 Masyarakat (dibawah 5%) | Public (under 5%) 1,837,469,767 2.71
Total 67,746,840,730 100.00

Jumlah Pemegang Saham dan Persentase Kepemilikan per Akhir Tahun


Buku Berdasarkan Klasifikasi
Shareholders and Ownership Percentage based on Classification as of the end of Financial Year
Jenis Jumlah Pemegang Saham Jumlah Saham Komposisi (%)
Type Total Shareholders Total Shares Composition (%)
Pemodal Nasional | National Investors
Bank Domestik 3 439.095 0,00%
Broker 43 1.570.735 0,00%
Bank Kustodian | Custodian Bank 1 61.666 0,00%
Individual Domestik | Individual - Domestic 6.294 366.683.029 0,00%
Individual Asing | Individual - Foreign 1 323 0,00%
Individual Asing dengan KITAS – NPWP | Individual 7 1.225.029 0,00%
foreign with KITAS - NPWP
Asuransi dengan NPWP | Insurance with NPWP 3 38.231 0,00%
Koperasi | Cooperatives 11 566.421 0,00%
Danareksa | Mutual Fund 9 13,610 0,00%
Danareksa lebih dari lima tahun | Mutual Fund more 3 580.867 0,00%
than five years
Dana Pensiun | Pension Fund 24 89.751 0,00%
Perusahaan Terbatas Non NPWP | Limited Company 2 439 0,00%
Non NPWP
Perusahaan Terbatas NPWP | Limited Company with 188 766.203.947 1,13%
NPWP
Yayasan Non NPWP | Foundation Non NPWP 4 3.056 0,00%
Yayasan NPWP | Foundation with NPWP 3 5.331 0,00%
Sub Total 6.596 1.137.481.521 1,68%
Pemodal Asing | Foreign Investors
Individual Asing | Individual - foreign 177 10.436.155 0,02%
Institusi Asing | Institution - foreign 579 66.598.923.054 98,31%
Sub Total 756 66.609.359.209 98,32%
Total 7.352 67.746.840.730 100,00%

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Struktur Pemegang Saham


Shareholders Structure

Citigroup Nominees
Amanah Raya
(Tempatan) Sdn Bhd Kumpulan
Trustees Berhad Permodalan Investor Institusi &
(B/O: Employees Wang Persaraan
(B/O: Skim Amanah Nasional Berhad Ritel Lainnya
Provident Fund (Diperbadankan)
Saham Bumiputera)
Board)
35.54% 14.95% 6.48% 3.07% 39.96%

Malayan Banking Berhad

Maybank Offshore
Sorak Financial
Corporate Services Masyarakat | Public
Holdings Pte. Ltd.
(Labuan) Sdn Bhd

45,02% 33,96% 21,02%

Masyarakat | Public Masyarakat | Public


>5% <5%

18,31% 2,71%

PT Bank Maybank Indonesia Tbk

PT Maybank Indonesia Finance PT Wahana Ottomitra Multiartha Tbk


99,99% 68,55%

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Tentang Maybank
Maybank Group in Brief

Kami Adalah Bank Terkemuka di Asean


We Are a Leading Asean Bank

Maybank merupakan grup penyedia jasa keuangan terbesar di


Malaysia dengan kehadiran yang terus bertumbuh di ASEAN.
Maybank is Malaysia’s largest financial services group with an established
presence in the ASEAN region.

Maybank merupakan peringkat keempat terbesar dari segi Maybank ranks fourth by assets among banks in ASEAN
aset di antara bank-bank di ASEAN dan termasuk terbesar and is the third largest Islamic bank globally. Net Operating
ketiga untuk perbankan Syariah secara global. Maybank Income for the FY 2016 reached to RM 22.3 billion.
telah meraih pendapatan bersih sebesar RM22,3 miliar
untuk tahun 2016.

Keberadaan Kami
Our Existence
Home market kami adalah di Malaysia, Singapura dan Our home markets are Malaysia, Singapore and Indonesia.
Indonesia. Kami telah hadir di 10 negara ASEAN dengan We have presence in 10 ASEAN countries with a combined
total jaringan sebanyak 1.156 kantor cabang di ASEAN. Kami branch network of 1,156 offices in ASEAN. We also have a
juga telah hadir di pusat industri keuangan internasional presence in the international financial centres of Hong Kong,
seperti di Hong Kong, Shanghai, London, New York dan Shanghai, London, New York and Bahrain with associates in
Bahrain dengan rekanan di Pakistan (MCB Bank dengan Pakistan (MCB Bank with 1,224 branches) and Vietnam (An
1.224 kantor cabang) dan Vietnam (An Binh Bank dengan Binh Bank with 146 branches).
146 kantor cabang.

Pemain Utama di Masyarakat Ekonomi ASEAN


The Major Player In The ASEAN Economic Community
Kehadiran kami di 10 negara-negara di ASEAN telah Our presence in all 10 ASEAN countries places us in a
menempatkan kami di posisi yang strategis untuk mendukung favourable position to support and benefit from the ASEAN
dan menuai manfaat dari peluang-peluang bertumbuhnya growth opportunities as we deliver innovative solutions
ASEAN seiring dengan upaya kami untuk memberikan solusi to our clients. Providing financial services in ASEAN is our
inovatif untuk nasabah kami. Menyediakan jasa keuangan di strength as we have the heritage, talent and network to
ASEAN merupakan kekuatan kami dengan adanya warisan capture market opportunities.
yang ada, bakat dan jaringan untuk menangkap peluang
pasar.

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Tentang Maybank
Maybank Group in Brief

Delivering
Our ASEAN VISION
TOGETHER
Maybank menyediakan jasa keuangan yang komprehensif Maybank provides a comprehensive range of financial
melalui tiga pilar bisnis utama: Community Financial Service services under three key business pillars: Community
(termasuk layanan bank untuk nasabah, UKM dan perbankan Financial Services (including consumer banking, SME and
untuk usaha), Perbankan Global (termasuk perbankan untuk business banking), Global Banking (including corporate
korporasi, perbankan investasi, pasar global dan layanan banking, investment banking, global markets and transaction
transaksi), dan Asuransi & Takaful. Pilar-pilar tersebut banking), and Insurance & Takaful. These pillars are
dilengkapi dengan operasi bisnis internasional dan jasa complemented by their international business operations
keuangan Syariah. and Islamic financial services.

Nilai Kami
Our Values

Kami menghidupkan nilai T.I.G.E.R mengenai Kerja Sama,


Integritas, Pertumbuhan, Efisiensi dan Relationship serta taat
pada kode etik.
We live our T.I.G.E.R values of Teamwork, Integrity, Growth, Excellence &
Efficiency and Relationship Building and adhere to a strict Code of Ethics.

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Tentang Maybank
Maybank Group in Brief

Visi & Misi Maybank 2020 Maybank 2020 Vision & Mission

Visi Kami: Memajukan Ambisi Asia Bersama Anda


Misi Kami: Humanising Financial Services
Our Vision: Advancing Asia’s Ambitions With You Our Mission:
Humanising Financial Services

Tujuan Strategis: Strategic Objectives:


Visi dan Misi Maybank2020 kami adalah menjadi acuan Our Maybank2020 Vision and Mission guides our strategic
tujuan strategis: objectives:

Menjadi Bank Komunitas ASEAN Terdepan


The Top ASEAN Community Bank

Menjadi pemimpin ASEAN wholesale bank yang menghubungkan Asia


The Leading ASEAN Wholesale Bank Linking Asia

Menjadi pemimpin ASEAN Insurer


The Leading ASEAN Insurer

Menjadi pemimpin global Perbankan Islam


The Global Leader In Islamic Finance

Pilihan Perbankan Digital


Digital Bank Of Choice

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Peta Operasi Maybank Grup


Operational Network of Maybank Group

New York
San Fransisco

Lebih dari more than

2.400
Kantor di 20 negara
Offices in 20 country

Lebih dari more than

44.000
Tenaga Ahli Perbankan Siap Melayani Nasabah
secara Global Employees serving customers globally

RM740
Total Aset Bank Terbesar di Malaysia
Miliar
Billion

Total Assets The largest bank in Malaysia

HOME MARKETS

Malaysia Singapore Indonesia


363 Branches; 22 Branches; 428 Branches;
7 branches via Maybank Investment Bank; 3 branches via Maybank Kim Eng 6 branches via Maybank Kim Eng;
24 Etiqa branches & 4 Service Centres 1 Etiqa Office 1 branches via Maybank Syariah Indonesia

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Peta Operasi Maybank Grup


Operational Network of Maybank Group

London

Uzbekistan

China

Pakistan
Bahrain
Saudi Arabia Myanmar Hongkong
India Laos
Thailand
Vietnam
Cambodia
Philipines
Labuan
Malaysia
Brunei
Singapore

Indonesia

Mauritius

INTERNATIONAL MARKETS
Bahrain India United States Saudi Arabia
1 Branch 1 Branch via of America 1 Office via
Maybank Indonesia; 1 Branch Anfaal Capital
1 branch via 2 branch via
Brunei Maybank Kim Eng Maybank Kim Eng
2 Branches
Thailand
Pakistan 60 Branches via
Laos Maybank Kim Eng
Cambodia 2 Branches 1.224 Branches
21 Branches 1 branch via MCB Bank;
4 branches via Pak-Kuwait Uzbekistan
London Takaful Company 1 Office via Uzbek
China 1 Branch Leasing International
4 Branches 1 branch via Mauritius
Maybank Kim Eng
1 Branch via Vietnam
Hong Kong Maybank Indonesia 2 Branches;
Labuan 8 branches via
1 Branch
1 branch via 1 Branch; Philippines Maybank Kim Eng
Maybank Kim Eng 2 Etiqa Offices 146 branches via
80 Branches An Binh Bank
Myanmar 3 branches via
Maybank Kim Eng
1 Branch Laporan Tahunan 2016 Annual Report
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Informasi Entitas Anak, Asosiasi,


& Perusahaan Ventura
Subsidiaries, Associates & Joint Ventures

Tahun
Total Aset
Nama % Kepemilikan Jenis Usaha Operasi Alamat
Total Assets
Name % Ownership Line of Business Operating Address
(Rp)
Year
Entitas Anak | Subsidiaries
PT Maybank Indonesia 99,99% Pembiayaan 6.252.523.916.180 1991 Wisma Ekajiwa Lantai 10 Jl.
Finance Financing Mangga Dua Raya Jakarta
10730
PT Wahana Ottomitra 68.55% Pembiayaan 6.672.235.953.060 1982 Mega Glodok Kemayoran,
Multiartha Tbk Financing Office Tower B Jl. Angkasa
Kav.B-6 Bandar Baru
Kemayoran Jakarta Pusat
10610
Entitas Asosiasi | Associates
PT Penjamin Kredit 9,83% Jasa Penjaminan
Pengusaha Indonesia Guarantee Funds - - -
Services
PT Sarana Sulsel Ventura 9,31% Modal Ventura
- - -
Venture Capital
PT Sarana Sulut Ventura 7,14% Modal Ventura
- - -
Venture Capital
PT Sarana Jambi Ventura 4,49% Modal Ventura
- - -
Venture Capital
PT Sarana Bali Ventura 3.39% Modal Ventura
- - -
Venture Capital
PT Sarana Riau Ventura 3,39% Modal Ventura
- - -
Venture Capital
PT Sarana Sumsel 2,81% Modal Ventura
- - -
Ventura Venture Capital
PT Sarana Kalbar Ventura 2,45% Modal Ventura
- - -
Venture Capital
PT Bhakti Sarana Ventura 2,41% Modal Ventura
- - -
Venture Capital
PT Sarana Sumut 1.77% Modal Ventura
- - -
Ventura Venture Capital
PT Sarana Lampung 1,69% Modal Ventura
- - -
Ventura Venture Capital
PT Sarana Sumbar 1.36% Modal Ventura
- - -
Ventura Venture Capital
PT Sarana Bersama 0,94% Lembaga
Pembiayaan Indonesia Keuangan
Non-Bank
- - -
Non-Bank
Financial
Institutions
PT Bank Capital 0,20% Bank
- - -
Indonesia Tbk
PT Aplikanusa Lintasarta 0,03% Sistem Jaringan
Komunikasi
- - -
Communication
Network System

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Tentang Entitas Anak


vv

MAYBANK FINANCE
Wisma Ekajiwa Lantai 10 Jl. Mangga Dua Raya Jakarta
10730 Indonesia
Telp. : 021 - 623 000 88
Fax. : 021 - 623 000 99
Call Center : 0804-1-168-811
Website : www.maybankfinance.co.id

PROFIL PROFILE
PT Maybank Indonesia Finance (Maybank Finance), yang PT Maybank Indonesia Finance (Maybank Finance),
sebelumnya dikenal dengan nama PT BII Finance Center, previously known as PT BII Finance Center, was established
didirikan pada 13 Februari 1991 sebagai perusahaan yang on 13 February 1991 as a company with permits to
memiliki izin dalam pembiayaan investasi, modal kerja, investment financing, working capital, multi-purpose, and
multiguna, kegiatan lain yang disetujui OJK, serta dapat pula other activities approved by OJK, and also able to engage
melaksanakan kegiatan berdasarkan prinsip syariah. Saat in activities based on Shariah principles. Currently, 99.99%
ini, sebesar 99,99% saham Maybank Finance dimiliki oleh of Maybank Finance shares is owned by Maybank Indonesia.
Maybank Indonesia.

Perubahan nama PT BII Finance Center menjadi PT Maybank The changes of name from PT BII Finance Center to
Indonesia Finance didasarkan pada Akta Berita Acara Rapat PT Maybank Indonesia Finance was based on Deeds of
Umum Pemegang Saham Luar Biasa No. 105, tanggal 18 Minutes of Meeting in Extraordinary General Meeting of
November 2015 dan persetujuan dari Kementerian Hukum Shareholders No. 105 dated 18 November 2015 and approval
dan Hak Asasi Manusia Republik Indonesia No. AHU- from Justice and Human Rights Ministry No. AHU-0947396.
0947396. AH.01.02 Tahun 2015 pada tanggal 7 Desember AH.01.02/2015 dated 7 December 2015.
2015.

Maybank Finance adalah salah satu perusahaan pembiayaan Maybank Finance is one of the leading multifinance
terkemuka yang telah mendapatkan pengakuan diantaranya companies that has been acknowledged as “Best
“Best Multifinance” dan kategori Multifinance-Non Listed Multifinance” in the category of Multifinance Non- Listed
Company aset Rp1-5 triliun oleh Indonesia Multifinance Company with asset between Rp1 to 5 trillion by Indonesia
Award (IMA) 2015, “Best Multifinance” kategori aset Rp2-5 Multifinance Award (IMA) 2015, “Best Multifinance” in the
triliun dan penerbitan obligasi terbaik oleh Investor Award asset category between Rp2 to 5 trillion, the best bond
2015 serta “Top 2 Best Financial Performance” dengan asset issuance by Investor Award 2015 and “Top 2 Best Financial
Rp2-5 Triliun oleh Warta Ekonomi Award 2015. Performance” with asset between Rp2 to 5 trillion by Warta
Ekonomi Award 2015.

Per 31 Desember 2016, Maybank Finance telah memiliki As of 31 December 2016, Maybank Finance has branch offices
jaringan kantor di hampir seluruh kota utama Indonesia in almost all major cities in Indonesia which consists of 30
yang terdiri dari 30 kantor cabang dan 10 kantor perwakilan, branch offices and 10 representative offices and manages
serta mengelola aset sebesar Rp4,9 triliun. total asset of Rp4.9 trillion.

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Tentang Entitas Anak


Subsidiaries in Brief

VISI VISION
Menjadi perusahaan pembiayaan pemimpin pasar di To be a leading finance Company in its market segment
segmen pasar yang digeluti serta selalu peduli terhadap and to be caring of the environment and the community
kondisi lingkungan hidup dan masyarakat terutama di lokasi especially in the location of the Company’s operation.
perusahaan beroperasi.

MISI MISSION
• Sebagai perpanjangan tangan PT Bank Maybank • As the extension of PT Bank Maybank Indonesia Tbk to
Indonesia Tbk untuk mengembangkan bisnis expand the multifinance business.
pembiayaan di Indonesia. • To deliver the best economic and social value added to
• Memberikan nilai tambah ekonomis dan sosial terbaik our stakeholders (shareholders, customers, business
bagi pemangku kepentingan (pemegang saham, partners and employees), environment and society.
nasabah, rekan bisnis dan karyawan), lingkungan hidup
dan masyarakat.

KEGIATAN USAHA BUSINESS ACTIVITIES


Maybank Finance memiliki ijin usaha untuk bergerak dalam Maybank Finance has permit to investment financing,
bentuk pembiayaan investasi, modal kerja, multiguna, working capital, multipurpose, and other activities approved
kegiatan lain yang disetujui OJK, serta dapat pula by OJK, and also able to engage activities based on Shariah
melaksanakan kegiatan berdasarkan prinsip syariah. principles.

Dewan Komisaris | The Board of Commissioners Nama | Name


Presiden Komisaris | President Commissioner Lani Darmawan
Komisaris | Commissioner Djaja S. Sutandar
Komisaris Independen | Independent Commissioner Deswandhy Agusman

Direksi | The Board of Directors Nama | Name


Presiden Direktur | President Director Alexander
Direktur | Director Anton Sutjipto
Direktur | Director Miki Effendi

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Tentang Entitas Anak


Subsidiaries in Brief

PT WAHANA OTTOMITRA MULTIARTHA TBK


Mega Glodok Kemayoran, Office Tower B Jl. Angkasa
Kav.B-6 Bandar Baru Kemayoran Jakarta Pusat 10610
Tel: (62-21) 29371345
Fax: (62-21) 65701524
Website: www.wom.co.id

PROFIL PROFILE
PT Wahana Ottomitra Multiartha Tbk (WOM Finance atau PT Wahana Ottomitra Multiarta Tbk (WOM Finance or the
Perseroan) didirikan pada 1982 dengan nama PT Jakarta Tokyo Company) was established in 1982 with the name of PT
Leasing yang bergerak di bidang pembiayaan sepeda motor, Jakarta Tokyo Leasing engaged in motorcycles financing,
khususnya pembiayaan untuk sepeda motor merek Honda. especially financing for Honda brand motorcycles. In
Perseroan mengubah nama menjadi PT Wahana Ottomitra 2000, the Company’s name was officially changed to PT
Multiartha pada 2000 sejalan dengan transformasi bisnis Wahana Ottomitra Multiartha in line with its business
yang dilakukan. Perseroan terus mengalami perkembangan transformation. The Company no longer provided financing
dan tidak lagi hanya melayani pembiayaan sepeda motor facilities to specifically Honda brand, but also other Japanese
merek Honda, tapi juga sepeda motor merek Jepang lainnya, made motocycles, such as Yamaha, Suzuki and Kawasaki.
seperti Yamaha, Suzuki dan Kawasaki.

Tahun 2004, Perusahaan menjadi perusahaan publik In 2004, the Company became a publicly listed company
setelah melakukan Penawaran Umum Saham Perdana di after holding its Initial Public Offering (IPO) and listing its
Bursa Efek Indonesia dengan kode saham WOMF. Pada shares at Indonesia Stock Exchange with ticker WOMF.
tahun 2005, PT Bank Maybank Indonesia Tbk (d/h PT Bank In 2005 PT Bank Maybank Indonesia Tbk (formerly PT
International IndonesiaTbk) mengakuisisi 43% kepemilikan Bank International Indonesia Tbk) acquired 43% shares
saham Perusahaan, sehingga Perusahaan menjadi salah in the Company, hence the Company became one of the
satu anak perusahaan dalam kelompok usaha PT Bank subsidiaries in the business group of PT Bank Maybank
Maybank Indonesia Tbk (BMI). Selain BMI, sebagian saham Indonesia Tbk (MBI). In addition to MBI, the Company’s
Perusahaan juga dimiliki oleh PT Wahana Makmur Sejati. shares are also owned by PT Wahana Makmur Sejati.

Pada Februari tahun 2015 Perusahaan melaksanakan In February 2015 the Company held a Limited Share Offering
Penawaran Umum Terbatas 1, melalui Penerbitan Hak (PUT 1), through Preemptive Rights Issuance (HMETD) with
memesan Efek Terlebih Dahulu (HMETD) dengan total saham a total share of 1,481,481,220 shares (“rights issue”), making
sebesar 1.481.481.220 lembar saham (“right issue”) sehingga the Company’s total shares to increase to 3,481,481,220
setelah dilakukan right issue total saham Perusahaan shares. After the rights issue, MBI’s ownership in the
menjadi 3.481.481.220 lembar saham. Setelah right issue Company became 68.55% and PT Wahana Makmur Sejati
kepemilikan MBI menjadi 68,55% dan Pemegang saham became the second largest owner of the Company’s shares
terbesar kedua di Perusahaan adalah PT Wahana Makmur with share ownership of 17.6%.
Sejati dengan jumlah kepemilikan saham sebesar 17,6%.

Perusahaan terus melakukan serangkaian perbaikan The Company performed several internal improvements
internal untuk mewujudkan visi Perusahaan dengan terus to realize the Company’s vision by continuously improving
meningkatkan produktifitas, efisiensi serta menyediakan productivity, efficiency and providing the best services.
layanan terbaik. Langkah tersebut sejalan dengan misi These steps were in line with the Company’s mission, which
Perusahaan yang mengutamakan kepuasan konsumen dan prioritizes satisfaction of the customers and partners.
mitra kerjanya. Selain itu, Perusahaan juga secara selektif In addition, the Company also selectively developed its
terus mengembangkan jaringan usaha, produk dan layanan, business network, products and services, especially to seize
terutama untuk menangkap peluang di berbagai wilayah opportunities throughout Indonesia. Until 31 December
potensial di seluruh Indonesia. Sampai dengan 31 Desember 2016, the Company had 7 regional offices and was supported
2016, Perusahaan memiliki 7 kantor wilayah dan didukung by a network of 170 branch offices throughout Indonesia to
oleh 170 kantor jaringan yang tersebar di seluruh Indonesia serve 1 million active customers.
untuk melayani 1 Juta pelanggan aktif.
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Tentang Entitas Anak


Subsidiaries in Brief

Sepanjang Tahun 2016 sejumlah penghargaan telah diterima Throughout 2016, the Company received several awards,
Perusahaan diantaranya: which are:
1. Multifinance Award Kategori: 1. Multifinance Award Category of:
• The Best Innovative CEO • The Best Innovative CEO
• Asset Rp.5 T- Rp10 T - Peringkat 3 • Asset Rp5 T- Rp10 T - Ranked 3
• Risk Management - Peringkat 1 • Risk Management - Ranked 1
• Corporate Communication - Peringkat 2 • Corporate Communication - Ranked 2
• Marketing - Peringkat 3 • Marketing - Ranked 3
• Human Capital - Peringkat 3 • Human Capital - Ranked 3
2. NET PROMOTOR 2016 Kategori: NPS Good - Leasing 2. NET PROMOTOR 2016 Category of: NPS Good - Leasing
Motorcycle Motorcycle
3. Digital Marketing Award 2016 Kategori: 2 Wheelers 3. Digital Marketing Award 2016 Category of: 2 Wheelers
Automotive Leasing Company Automotive Leasing Company
4. Service Quality Award Kategori: Peringkat Gold - untuk 4. Service Quality Award Category of: Gold - for 2
2 wheelers vehicle leasing company wheelers vehicle leasing company

Berdasarkan keputusan Rapat Umum Pemegang Saham Luar Pursuant to the resolution of the Extraordinary General
Biasa (RUPS-LB) tanggal 30 Oktober 2015 yang tertuang Meeting of Shareholders (EGMS) on 30 October 2015 as
dalam Akta PKR RUPS-LB Nomor 70 tertanggal 19 Agustus stated in the Deed of PKR EGMS No. 70 dated 19 August
2016, susunan Dewan Komisaris dan Direksi PT Wahana 2016, the composition of the Board of Commissioners and
Ottomitra Multiartha Tbk adalah sebagai berikut : Board of Directors of PT Wahana Ottomitra Multiartha Tbk
is as follows:

Dewan Komisaris | The Board of Commissioners Nama | Name


Presiden Komisaris, Komisaris Independen | President Commissioner, I Nyoman Tjager
Independent Commissioner
Wakil Presiden Komisaris | Vice President Commissioner Robbyanto Budiman
Komisaris | Commissioner Garibaldi Thohir
Komisaris | Commissioner Thilagavathy Nadason
Komisaris Independen | Independent Commissioner Myrnie Zachraini Tamin

Direksi | The Board of Directors Nama | Name


Presiden Direktur | President Director Djaja Suryanto Sutandar
Direktur | Director Zacharia Susantadiredja
Direktur Independen | Independent Director Simon Tan Kian Bing
Direktur | Director Anthony Y Panggabean
Direktur | Director Njauw Vido Onadi

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VISI, MISI, dan Nilai Perusahaan


Corporate Vision, Mission and Values

Visi Perusahaan adalah: The Corporate VISION is:


Menjadi salah satu perusahaan pembiayaan terbaik di To be one of the best consumer financing companies
Indonesia dengan menerapkan tata kelola perusahaan yang in Indonesia through good corporate governance
baik implementation.

Misi Perusahaan adalah: The Corporate MISSION is:


• Mengutamakan kepuasan konsumen dan mitra kerja • Placing the satisfaction of customers and business
lainnya partners as the first priority.
• Membangun infrastruktur berbasis Teknologi Informasi • Establishing IT-based infrastructures to promote sound
(TI) untuk melaksanakan proses yang Baik processing.
• Pengembangan dan perluasan jaringan usaha, terutama • Developing and expanding business network,
didaerah potensial particularly in potential areas.
• Mengoptimalkan kinerja perusahaan • Optimizing company performance

Nilai-nilai Perusahaan The Corporate Values


Perusahaan menjabarkan Nilai Perusahaan dalam TIGER The Company defines its Values in form of acronym, namely
yang secara khusus dijelaskan sebagai berikut. TIGER as described below:
• Teamwork • Teamwork
Bekerjasama sebagai satu tim yang didasari nilai saling Work together as a team based on mutual respect and
menghargai dan rasa kebanggaan dignity
• Integrity • Integrity
Jujur, profesional dan berlandaskan moral dalam semua Honest, professional and ethical in all dealings
kegiatan usaha perusahaan • Growth
• Growth Passionate about constant improvement and
Memiliki keinginan yang kuatuntuk melakukan Innovation
peningkatan dan pembaharuan secara konsisten • Excellence & Efficieny
• Excellence & Eficiency Committed to deliver outstanding performance and
Berkomitmen untuk menghasilkan kinerja yang superior service
sempurna dan layanan prima • Relationship Building
• Relationship Building Continuously build long-term and mutually beneficial
Secara berkesinambungan membangun hubungan partnership
kerjasama jangka panjang yang saling menguntungkan

Bidang Usaha Business Activities


Berdasarkan Peraturan Otoritas Jasa Keuangan (POJK) Based on Financial Services Authority’s Regulation (POJK)
No. 29/POJK.05/2014 tentang Penyelenggaraan Usaha No. 29/POJK.05/2014 regarding Arrangement of Multi-
Perusahaan Pembiayaan, kegiatan usaha meliputi: Finance Company Business, which includes:
• Pembiayaan Investasi, dalam bentuk pengadaan barang- • Investment Financing, in form of procurement of capital
barang modal beserta jasa yang diperlukan untuk goods and services needed for business activities/
aktivitas usaha/investasi, rehabilitasi, modernisasi, investment, rehabilitation, modernization, expansion
ekspansi atau relokasi tempat usaha/investasi yang or relocation and investment disbursed to debtors with
diberikan kepada debitur dalam jangka waktu lebih dari tenor of more than two years.
2 (dua) tahun. • Working Capital Financing to cover expenses for one
• Pembiayaan Modal Kerja untuk memenuhi kebutuhan cycle of the debtor’s business activity and is a financing
pengeluaran-pengeluaran yang habis dalam satu siklus with tenor of less than two years.
aktivitas usaha debitur dan merupakan pembiayaan • Multi-purpose Financing (Consumer Financing) in
dengan jangka waktu paling lama 2 (dua) tahun. form of procurement of goods or services for use/
• Pembiayaan Multiguna (Konsumtif) dalam bentuk consumption and not for business purposes (production
pengadaan barang atau jasa yang diperlukan untuk activities) and with predetermined tenor.
pemakaian/konsumsi dan bukan untuk keperluan
usaha (aktivitas produksi) dalam jangka waktu yang
diperjanjikan

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Subsidiaries in Brief

• Pembiayaan campuran dalam bentuk pengadaan barang • Mixed Financing in form of procurement of goods or
atau jasa beserta modal dengan proses pembiayaan services and provision of working capital with financing
menggunakan jenis pembiayaan tersebut di atas. to be processed accordingly.

Perusahaan juga memiliki Unit Usaha Syariah (UUS), kegiatan The Company also has a Shariah Business Unit (UUS), with
usahanya berdasarkan Peraturan Otoritas Jasa Keuangan activities in accordance with Financial Services Authority’s
(POJK) No. 31/POJK.05/2014 tentang Penyelenggaraan Regulation (POJK) No. 31/POJK.05/2014 regarding
Usaha Pembiayaan Syariah, meliputi: Arrangement of Shariah Business Financing, which includes:
• Pembiayaan Jual Beli merupakan pembiayaan yang • Murabahah Financing which is based on Murabahah,
menggunakan akad Murabahah, Salam dan Istishna’ Salam and Istishna’ principles
• Pembiayaan Investasi merupakan pembiayaan yang • Investment Financing is a financing which is based on
menggunakan akad Mudharabah, Musyarakah, Mudharabah, Musyarakah, Mudharabah Musytarakah
Mudharabah Musytarakah dan Musyarakah and Musyarakah Mutanaqishoh principles.
Mutanaqishoh • Service Financing is a financing which is based on Ijarah,
• Pembiayaan Jasa merupakan pembiayaan dengan Ijarah Muntahiyah Bittamlik, Hawalah or Hawalah Bil
menggunakan akad Ijarah, Ijarah Muntahiyah Bittamlik, Ujrah, Wakalah or Wakalah bil Ujrah, Kafalah or Kafalah
Hawalah atau Hawalah Bil Ujrah, Wakalah atau Wakalah bil Ujrah, Ju’alah and Qardh principles.
bil Ujrah, Kafalah atau Kafalah bil Ujrah, Ju’alah dan
Qardh

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Kronologis Pencatatan Saham


Shares Listing Chronology

Maybank Indonesia melakukan Penawaran Saham Perdana Maybank Indonesia held Initial Public Offering (IPO) of
(IPO) sejumlah 12.000.000 Saham Biasa pada tanggal 21 12,000,000 Common Shares on 21 November 1989 and
November 1989 dan dicatatkan di Bursa Efek Jakarta (BEJ) share listing on the Jakarta Stock Exchange (BEJ) and
dan Bursa Efek Surabaya (BES), dengan kode perdagangan Surabaya Stock Exchange (BES) with ticker code BNII. The
saham BNII. Kedua bursa tersebut kemudian melebur, dan two stock exchange were later merged into the present
kini menjadi Bursa Efek Indonesia (BEI). Nilai nominal saham Indonesia Stock Exchange (IDX). The value of shares offered
yang ditawarkan pada saat IPO adalah sebesar Rp1.000,00 at IPO was Rp1,000.00 per share.
per lembar saham.

Setelah penawaran perdana tersebut, Maybank Indonesia Since the initial offering, Maybank Indonesia has exercised
telah beberapa kali melakukan aksi korporasi dibidang several corporate actions in terms of equity which affected
ekuitas yang menyebabkan terjadinya perubahan jumlah the number of outstanding shares, such as bonus share
saham beredar, seperti pembagian saham bonus, dividen distribution, share dividend, stock split, reverse stock,
saham, stock split, reverse stock, konversi waran, Employee warrant conversion, Employee Stock Option Plan (ESOP),
Stock Option Plan (ESOP) dan Penawaran Umum Terbatas and Rights Issue. On 19 June 2013, Maybank, Maybank
(PUT) atau Rights Issue. Pada 19 Juni 2013, pemegang Indonesia’s majority shareholder, relinguished a portion
saham mayoritas Maybank Indonesia, Maybank, melakukan of its ownership in Maybank Indonesia to UBS AG London
aksi korporasi pelepasan sebagian kepemilikan saham amounting to 5,065,380,000 shares or equal to 9.00% of the
Maybank Indonesia kepada UBS AG London sejumlah total outstanding shares of Maybank Indonesia.
5.065.380.000 lembar saham atau setara 9,00% dari total
saham beredar Maybank Indonesia.

Pada Juni 2013 Maybank Indonesia telah merealisasikan In June 2013, Maybank Indonesia held Rights Issue VI,
aksi korporasi Rights Issue VI dengan menawarkan offering 4,690,165,987 Series D shares at Rp22.50 per share.
4.690.165.987 lembar saham seri D pada harga sebesar Net proceed from Rights Issue VI after costs of issuance
Rp22,50 per saham, dengan dana yang berhasil dihimpun amounted Rp1,496,150,854,642. Rights Issue VI effectively
sebesar Rp1.496.150.854.642,- net setelah dikurangi increased Maybank Indonesia’s total outstanding shares to
biaya emisi efek ekuitas. Realisasi Rights Issue VI tersebut 60,972,156,627 shares.
menambah jumlah total saham beredar Maybank Indonesia
menjadi sebesar 60.972.156.627 lembar saham.

Pada 22 November 2013, Maybank Indonesia kembali On 22 November 2013, Maybank Indonesia performed
melepaskan kepemilikan saham Maybank Indonesia another share relinquishment to UBS AG London
kepada UBS AG London sebesar 5.675.040.000 lembar amounting to 5,675,040,000 shares or equal to 9.31% of the
saham atau setara 9,31% dari total saham beredar Maybank total outstanding shares of Maybank Indonesia. Therefore,
Indonesia. Dengan demikian, total kepemilikan saham Maybank’s ownership in Maybank Indonesia dropped
Maybank Indonesia oleh Maybank menurun dari 97,29% from 97.29% to 79.98%, while UBS AG London’s ownership
menjadi 79,98%, dan total kepemilikan saham Maybank became 18.31%.
Indonesia oleh UBS AG London menjadi sebesar 18,31%.

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Kronologis Pencatatan Saham


Shares Listing Chronology

Aksi korporasi pelepasan saham (share sell down) oleh The share sell downs by majority shareholder were
pemegang saham mayoritas tersebut dilakukan dalam performed in order to meet the requirement of Bapepam-
rangka memenuhi ketentuan Bapepam-LK (sekarang LK (now Financial Services Authority, OJK) No. IX.H.1
Otoritas Jasa Keuangan – OJK) nomor IX.H.1 tentang concerning Open Company Takeover, Attachment to
Pengambilalihan Perusahaan Terbuka, Lampiran Keputusan Decision of Chair of Bapepam-LK number Kep-264/BL/2011
Ketua Bapepam-LK nomor Kep- 264/BL/2011 tanggal 31 dated 31 May 2011.
Mei 2011.

Selanjutnya pada tahun 2014 Maybank Indonesia kembali Furthermore, In 2014, Maybank Indonesia again exercised
merealisasikan aksi korporasi Rights Issue VII dengan a corporate action by holding Rights Issue VII, offering
menawarkan 6.774.684.073 lembar saham dengan 6,774,684,073 shares at Rp221 per share. and raised
harga penawaran sebesar Rp221 per saham dan berhasil Rp1,497,205,180,133 in net proceeds after costs of issuance.
menghimpun dana sebesar Rp1.497.205.180.133 net The realization of Rights Issue VII increased the total
setelah dikurangi biaya emisi efek ekuitas. Realisasi Rights outstanding shares of Maybank Indonesia to 67,746,840,730
Isue VII tersebut menambah jumlah total saham beredar shares.
Maybank Indonesia menjadi 67.746.840.730 lembar.

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Kronologis Pencatatan Saham


Shares Listing Chronology

Keterangan Tanggal Pencatatan Saham Diterbitkan Jumlah Saham


Description Listing Date Shares Issued Number of Shares
Penawaran Umum Perdana (nominal Rp1.000) 21/11/1989 12.000.000 12.000.000
Initial Public Offering (IPO) (nominal Rp1,000)
Saham Bonus | Share Bonus 8/7/1990 28.000.000 40.000.000
Company Listing | Company Listing 18/7/1990 100.000.000 140.000.000
Dividen Saham & Saham Bonus | Share Dividends & 6/8/1991 63.000.000 203.000.000
Share Bonus
Dividen Saham | Share Dividends 4/8/1992 60.585.920 263.585.920
Penawaran Umum Terbatas I | Rights Issue I 15/2/1994 52.717.184 316.303.104
Dividen Saham | Share Dividends 26/8/1996 35.144.789 351.447.893
Saham Bonus | Share Bonus 26/8/1996 253.042.483 604.490.376
Saham Bonus | Share Bonus 23/10/1996 362.694.226 967.184.601
Stock Split (nominal Rp500) 4/11/1996 - 1.934.369.204
Penawaran Umum Terbatas II | Rights Issue II 16/1/1997 1.289.579.469 3.223.948.673
Konversi Waran I | Warant Conversion I 1997 10.453.776 3.234.402.449
Konversi Waran I | Warant Conversion I 1998 42.520 3.234.444.969
Konversi Waran I | Warant Conversion I 1999 2.500 3.234.447.469
Saham Bonus | Share Bonus 8/3/1999 646.888.994 3.881.336.463
Penawaran Umum Terbatas III (nominal 6/4/1999 62.101.383.408 65.982.719.871
Rp125) | Rights Issue III (nominal Rp125)
Penawaran Umum Terbatas III (lanjutan) | Rights Issue 21/6/1999 26.810.616.592 92.793.336.463
III (continue)
Konversi Waran I | Warant Conversion I 1999 23.982 92.793.360.445
Konversi Waran BPPN (C-B) | Warant Conversion IBRA 1999 329.041.216 92.793.360.445
(C-B)
Konversi Waran I | Warant Conversion I 2000 101.862 92.793.462.307
Konversi Waran BPPN (C-B) | Warant Conversion IBRA 2000 216.216 92.793.462.307
(C-B)
Konversi Waran BPPN (C-B) | Warant Conversion IBRA 2001 95.830.560 92.793.462.307
(C-B)
Reverse Stock Split (10:1) 19/6/2002 - 9.279.346.231
Penawaran Umum Terbatas IV | Rights Issue IV 11/7/2002 38.504.000.000 47.783.346.23
2005 82.510.000 47.783.346.231
2006 381.294.000 48.247.150.231
2007 416.553.500 48.663.702.731
Setelah Pelaksanaan ESOP | After ESOP Excersise 2008 1.364.733.500 50.028.436.231
Penawaran Umum Terbatas V | Rights Issue V 2010 6.253.554.529 56.281.990.760
Penawaran Umum Terbatas VI | Rights Issue VI 2013 4.690.165.897 60.972.156.657
Penawaran Umum Terbatas VII | Rights Issue VII 2014 6.774.684.073 67.746.840.730

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Kronologis Pencatatan Efek Lain


Other Shares Listing Chronology

Ikhtisar Umum Obligasi Bonds Highlights

PT Bank Maybank Indonesia Tbk (“Perseroan”) menerbitkan PT Bank Maybank Indonesia Tbk (formerly PT Bank
Obligasi untuk mendukung pertumbuhan bisnisnya. Obligasi Internasional Indonesia Tbk or Bank BII (“Company”) issued
tersebut dicatatkan di Bursa Efek Indonesia (BEI). Bonds to support its business growth. This bonds were listed
at Indonesia Stock Exchange (IDX/BEI).

Obligasi Jatuh Tempo di tahun 2016 Bonds Matured in 2016


Atas Obligasi Berkelanjutan I Bank BII Tahap I Tahun 2011 For Shelf Bonds I Bank BII Tranche I Year 2011 Series B of IDR
Seri B sebesar Rp1.560.000.000.000 (satu triliun lima ratus 1,560,000,000,000 (one trillion five hundred sixty billion
enam puluh miliar rupiah) yang jatuh tempo pada tanggal rupiah), matured at 6 Desember 2016, the Company had
6 Desember 2016, Perseroan telah melakukan pelunasan settled the principal and interest payment on 5 December
utang pokok dan bunga Obligasi pada tanggal 5 Desember 2016.
2016.

Obligasi yang telah diterbitkan oleh Bonds issued by the Bank


Perseroan
Pada tanggal 19 Mei 2011, Perseroan menerbitkan Obligasi On 19 May 2011, the Bank issued Bank BII Subordinated
Subordinasi I Bank BII Tahun 2011. Adapun detail dari Bonds I Year 2011. Details of the bonds are as follows:
Obligasi tersebut sebagai berikut:

Obligasi Subordinasi I Bank BII Tahun 2011


Nama Obligasi Bonds Name
Bank BII Subordinated Bonds I Year 2011
Jangka Waktu 7 tahun / years Tenor
Jumlah Nominal IDR 1,500,000,000,000 Nominal Amount
Tingkat Bunga 10.75% (per tahun/per annum) Coupon Rate
Tanggal Penerbitan 19 Mei 2011 / 19 May 2011 Issuance Date
Peringkat Saat Ini PEFINDO: idAA+ Current Rating
FITCH: AA(idn)
Pembayaran Bunga Pertama 19 Agustus 2011 / 19 August 2011 First Coupon Payment
Pembayaran Bunga 19 Mei 2018 / 19 May 2018 Last Coupon Payment/ Maturity
Terakhir/ Tanggal Jatuh Date
Tempo
Penggunaan Dana Untuk meningkatkan aset produktif dalam rangka Use of Proceeds
pengembangan usaha Perseroan yang difokuskan pada
segmen SME, Commercial dan Consumer/
To increase earning assets to support business growth
of the Company focused on SME, Commercial and
Consumer segments.

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Kronologis Pencatatan Efek Lain


Other Shares Listing Chronology

Obligasi Subordinasi I Bank BII Tahun 2011


Nama Obligasi Bonds Name
Bank BII Subordinated Bonds I Year 2011
Lembaga dan Profesional Joint Lead Underwriters Institution and Capital Market
Penunjang Pasar Modal PT Bahana Securities Supporting Professionals
PT Indo Premier Securities
PT Mandiri Sekuritas

Konsultan Hukum/ Legal Consultant


Melli Darsa & Co.

Wali Amanat / Trustee


PT Bank Mandiri (Persero) Tbk

Notaris / Notary
Poerbaningsih Adi Warsito, S.H.

Auditor
Purwantono, Sarwoko & Sandjaja (Ernst & Young)

Kronologis Pembayaran Bunga: Chronology of Coupon Payment:


1. 19 Agustus 2011 IDR 40,312,500,000 1. 19 August 2011
2. 19 November 2011 IDR 40,312,500,000 2. 19 November 2011
3. 19 Februari 2012 IDR 40,312,500,000 3. 19 February 2012
4. 19 Mei 2012 IDR 40,312,500,000 4. 19 May 2012
5. 19 Agustus 2012 IDR 40,312,500,000 5. 19 August 2012
6. 19 November 2012 IDR 40,312,500,000 6. 19 November 2012
7. 19 Februari 2013 IDR 40,312,500,000 7. 19 February 2013
8. 19 Mei 2013 IDR 40,312,500,000 8. 19 May 2013
9. 19 Agustus 2013 IDR 40,312,500,000 9. 19 August 2013
10. 19 November 2013 IDR 40,312,500,000 10. 19 November 2013
11. 19 Februari 2014 IDR 40,312,500,000 11. 19 February 2014
12. 19 Mei 2014 IDR 40,312,500,000 12. 19 May 2014
13. 19 Agustus 2014 IDR 40,312,500,000 13. 19 August 2014
14. 19 November 2014 IDR 40,312,500,000 14. 19 November 2014
15. 19 Februari 2015 IDR 40,312,500,000 15. 19 February 2015
16. 19 Mei 2015 IDR 40,312,500,000 16. 19 May 2015
17. 19 Agustus 2015 IDR 40,312,500,000 17. 19 August 2015
18. 19 November 2015 IDR 40,312,500,000 18. 19 November 2015
19. 19 Februari 2016 IDR 40,312,500,000 19. 19 February 2016
20. 19 Mei 2016 IDR 40,312,500,000 20. 19 May 2016
21. 19 Agustus 2016 IDR 40,312,500,000 21. 19 August 2016
22. 19 November 2016 IDR 40,312,500,000 22. 19 November 2016

Laporan Tahunan 2016 Annual Report


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Kronologis Pencatatan Efek Lain


Other Shares Listing Chronology

Pada tanggal 6 Desember 2011, Perseroan menerbitkan 2 On 6 December 2011, the Company issued 2 (two) Bonds
(dua) Obligasi sekaligus yakni: simultaneously:

1. Obligasi Berkelanjutan I Bank BII Tahap I Tahun 2011 1. Shelf Bonds I Bank BII Tranche I Year 2011 Series A
Seri A (telah jatuh tempo pada tanggal 6 Desember (matured on 6 December 2014) and Shelf Bonds I Bank
2014) dan Obligasi Berkelanjutan I Bank BII Tahap BII Tranche I Year 2011 Series B (matured on 6 December
I Tahun 2011 Seri B (telah jatuh tempo pada tnggal 6 2016)
Desember 2016) 2. Shelf Registered Bonds I Bank BII Tranche I Year 2011
2. Obligasi Subordinasi Berkelanjutan I Bank BII Tahap I
Tahun 2011

Melalui skema Penawaran Umum Berkelanjutan (“PUB”), Through Shelf Public Offering scheme, as prevailed by
sebagaimana diatur dalam Peraturan Bapepam dan LK No. Bapepam and LK regulation No. IX.A.15 regarding Shelf
IX.A.15 tentang Penawaran Umum Berkelanjutan tanggal 30 Public Offering dated 30 December 2010.
Desember 2010.

Adapun detail dari Obligasi-obligasi tersebut yang belum Details of these Bonds which have not yet matured are as
jatuh tempo adalah sebagai berikut: follows:

Obligasi Subordinasi Berkelanjutan I Bank BII Tahap I Tahun


Nama Obligasi 2011 Bonds Name
Shelf Registered Bonds I Bank BII Tranche I Year 2011
Jangka Waktu 7 tahun/ years Tenor
Jumlah Nominal IDR 500,000,000,000 Nominal Amount
Tingkat Bunga 10.00% (per tahun/per annum) Coupon Rate
Tanggal Penerbitan 6 Desember 2011/6 December 2011 Issuance Date
Peringkat Saat Ini PEFINDO : idAA+ Current Rating
FITCH : AA(idn)
Pembayaran Bunga Pertama 6 Maret 2012/6 March 2012 First Coupon Payment
Pembayaran Bunga Terakhir/ 6 Desember 2018/6 December 2018 Last Coupon Payment/
Tanggal Jatuh Tempo Maturity Date
Penggunaan Dana Untuk meningkatkan aset produktif dalam rangka Use of Proceeds
pengembangan usaha Perseroan terutama dalam bentuk kredit
yang difokuskan pada segmen SME, Commercial, Consumer dan
Corporate serta untuk memperkuat struktur pendanaan jangka
panjang/

To increase earning assets mainly in the form of loans to


support business growth of the Company focused on SME,
Commercial, Consumer and Corporate segments as well as to
strengthen long-term funding structure.

Laporan Tahunan 2016 Annual Report


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Obligasi Subordinasi Berkelanjutan I Bank BII Tahap I Tahun


Nama Obligasi 2011 Bonds Name
Shelf Registered Bonds I Bank BII Tranche I Year 2011
Lembaga dan Profesional Joint Lead Underwriters Institution and Capital Market
Penunjang Pasar Modal PT Bahana Securities Supporting Professionals
PT DBS Vickers Securities Indonesia
PT HSBC Securities Indonesia
PT Indo Premier Securities
PT Kim Eng Securities
PT OSK Nusadana Securities Indonesia

Konsultan Hukum/ Legal Consultant


Melli Darsa & Co.

Wali Amanat / Trustee


PT Bank Mandiri (Persero) Tbk

Notaris / Notary
Poerbaningsih Adi Warsito, S.H.

Auditor
Purwantono, Sarwoko & Sandjaja (Ernst & Young)

Kronologis Pembayaran Bunga: Chronology of Coupon Payment:


1. 6 Maret 2012 DR 12,500,000,000 1. 6 March 2012
2. 6 Juni 2012 IDR 12,500,000,000 2. 6 June 2012
3. 6 September 2012 IDR 12,500,000,000 3. 6 September 2012
4. 6 Desember 2012 IDR 12,500,000,000 4. 6 December 2012
5. 6 Maret 2013 IDR 12,500,000,000 5. 6 March 2013
6. 6 Juni 2013 IDR 12,500,000,000 6. 6 June 2013
7. 6 September 2013 IDR 12,500,000,000 7. 6 September 2013
8. 6 Desember 2013 IDR 12,500,000,000 8. 6 December 2013
9. 6 Maret 2014 IDR 12,500,000,000 9. 6 March 2014
10. 6 Juni 2014 IDR 12,500,000,000 10. 6 June 2014
11. 6 September 2014 IDR 12,500,000,000 11. 6 September 2014
12. 6 Desember 2014 IDR 12,500,000,000 12. 6 December 2014
13. 6 Maret 2015 IDR 12,500,000,000 13. 6 March 2015
14. 6 Juni 2015 IDR 12,500,000,000 14. 6 June 2015
15. 6 September 2015 IDR 12,500,000,000 15. 6 September 2015
16. 6 Desember 2015 IDR 12,500,000,000 16. 6 December 2015
17. 6 Maret 2016 IDR 12,500,000,000 17. 6 March 2016
18. 6 Juni 2016 IDR 12,500,000,000 18. 6 June 2016
19. 6 September 2016 IDR 12,500,000,000 19. 6 September 2016
20. 6 Desember 2016 IDR 12,500,000,000 20. 6 December 2016

Laporan Tahunan 2016 Annual Report


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Selanjutnya, yakni Penerbitan Tahap II dari Penawaran Umum On 31 October 2012, subsequently, Tranche II Issuance
Berkelanjutan (“PUB”) sebagaimana dijelaskan diatas, pada through Shelf Public Offering as described above, the
tanggal 31 Oktober 2012, Perseroan menerbitkan 2 (dua) Company issued 2 (two) Bonds simultaneously:
Obligasi sekaligus yakni:

1. Obligasi Berkelanjutan I Bank BII Tahap II Tahun 2012 1. Shelf Bonds I Bank BII Tranche II Year 2012 Series A
Seri A (telah jatuh tempo pada 31 Oktober 2015) dan (matured on 31 October 2015) and Shelf Bonds I Bank
Obligasi Berkelanjutan I Bank BII Tahap II Tahun 2012 BII Tranche II Year 2012 Series B
Seri B
2. Obligasi Subordinasi Berkelanjutan I Bank BII Tahap II 2. Shelf Registered Bonds I Bank BII Tranche II Year 2012
Tahun 2012

Detail dari Obligasi-obligasi tersebut yang belum jatuh Details of these Bonds which have not matured yet are as
tempo adalah sebagai berikut: follows:

Obligasi Berkelanjutan I Bank BII Tahap II


Tahun 2012 Seri B
Nama Obligasi Bonds Name
Shelf bonds I Bank BII Tranche II Year 2012
Series B
Jangka Waktu 5 tahun/ years Tenor
Jumlah Nominal IDR 1,020,000,000,000 Nominal Amount
Tingkat Bunga 8.00% per tahun/ per annum Coupon Rate
Tanggal Penerbitan 31 Oktober 2012/31 October 2012 Issuance Date
Peringkat Saat Ini PEFINDO: idAAA Current Rating
FITCH: AAA(idn)
Pembayaran Bunga Pertama 31 Januari 2013 /31 January 2013 First Coupon Payment

Pembayaran Bunga Terakhir/ Tanggal 31 Oktober 2017/ 31 October 2017 Last Coupon Payment/ Maturity Date
Jatuh Tempo
Penggunaan Dana Untuk meningkatkan aset produktif dalam Use of Proceeds
rangka pengembangan usaha Perseroan,
terutama dalam bentuk kredit/

To increase earning assets to support business


growth of the Company, mainly in the form of
loans
Kronologis Pembayaran Bunga: Seri B | Series B Chronology of Coupon Payment:
1. 31 Januari 2013 IDR 20,400,000,000 1. 31 January 2013
2. 30 April 2013 IDR 20,400,000,000 2. 30 April 2013
3. 31 Juli 2013 IDR 20,400,000,000 3. 31 July 2013
4. 31 Oktober 2013 IDR 20,400,000,000 4. 31 October 2013
5. 31 Januari 2014 IDR 20,400,000,000 5. 31 January 2014
6. 30 April 2014 IDR 20,400,000,000 6. 30 April 2014
7. 31 Juli 2014 IDR 20,400,000,000 7. 31 July 2014
8. 31 Oktober 2014 IDR 20,400,000,000 8. 31 October 2014
9. 31 Januari 2015 IDR 20,400,000,000 9. 31 January 2015
10. 30 April 2015 IDR 20,400,000,000 10. 30 April 2015
11. 31 Juli 2015 IDR 20,400,000,000 11. 31 July 2015
12. 31 Oktober 2015 IDR 20,400,000,000 12. 31 October 2015
13. 31 Januari 2016 IDR 20,400,000,000 13. 31 January 2016
14. 30 April 2016 IDR 20,400,000,000 14. 30 April 2016
15. 31 Juli 2016 IDR 20,400,000,000 15. 31 July 2016
16. 31 Oktober 2016 IDR 20,400,000,000 16. 31 October 2016

Laporan Tahunan 2016 Annual Report


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Obligasi Subordinasi Berkelanjutan I Bank BII Tahap II


Nama Obligasi Tahun 2012 Bonds Name
Shelf Registered Bonds I Bank BII Tranche II Year 2012
Jangka Waktu 7 tahun/ years Tenor
Jumlah Nominal IDR 1,000,000,000,000 Nominal Amount
Tingkat Bunga 9.25% (per tahun/per annum) Coupon Rate
Tanggal Penerbitan 31 Oktober 2012/31 October 2012 Issuance Date
Peringkat Saat Ini PEFINDO : idAA+ Current Rating
FITCH : AA(idn)
Pembayaran Bunga Pertama 31 Januari 2013/31 January 2013 First Coupon Payment
Pembayaran Bunga Terakhir 31 Oktober 2019/31 October 2019 Last Coupon Payment
Penggunaan Dana Untuk meningkatkan aset produktif dalam rangka Use of Proceeds
pengembangan usaha Perseroan terutama dalam bentuk
kredit serta untuk memperkuat struktur pendanaan jangka
panjang/

To increase earning assets mainly in the form of loans to


support business growth of the Company as well as to
strengthen long-term funding structure.
Lembaga dan Profesional Joint Lead Underwriters Institution and Capital Market
Penunjang Pasar Modal PT Bahana Securities Supporting Professionals
PT HSBC Securities Indonesia
PT Indo Premier Securities
PT Kim Eng Securities

Konsultan Hukum/ Legal Consultant


Melli Darsa & Co.

Wali Amanat / Trustee


PT Bank Mandiri (Persero) Tbk

Notaris / Notary
Ir. Nanette Adi Warsito, S.H.

Kronologis Pembayaran Bunga: Seri B | Series B Chronology of Coupon Payment:


1. 31 Januari 2013 IDR 23,125,000,000 1. 31 January 2013
2. 30 April 2013 IDR 23,125,000,000 2. 30 April 2013
3. 31 Juli 2013 IDR 23,125,000,000 3. 31 July 2013
4. 31 Oktober 2013 IDR 23,125,000,000 4. 31 October 2013
5. 31 Januari 2014 IDR 23,125,000,000 5. 31 January 2014
6. 30 April 2014 IDR 23,125,000,000 6. 30 April 2014
7. 31 Juli 2014 IDR 23,125,000,000 7. 31 July 2014
8. 31 Oktober 2014 IDR 23,125,000,000 8. 31 October 2014
9. 31 Januari 2015 IDR 23,125,000,000 9. 31 January 2015
10. 30 April 2015 IDR 23,125,000,000 10. 30 April 2015
11. 31 Juli 2015 IDR 23,125,000,000 11. 31 July 2015
12. 31 Oktober 2015 IDR 23,125,000,000 12. 31 October 2015
13. 31 Januari 2016 IDR 23,125,000,000 13. 31 January 2016
14. 30 April 2016 IDR 23,125,000,000 14. 30 April 2016
15. 31 Juli 2016 IDR 23,125,000,000 15. 31 July 2016
16. 31 Oktober 2016 IDR 23,125,000,000 16. 31 October 2016

Laporan Tahunan 2016 Annual Report


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Perseroan menerbitkan 2 (dua) Obligasi pada tanggal 8 Juli On 8 July 2014, the Company issued 2 (two) Bonds
2014, yaitu: simultaneously:
1. Sukuk Mudharabah Berkelanjutan I Bank BII Tahap I 1. Sukuk Mudharabah Registered Bonds I Bank BII Tranche
Tahun 2014. I Year 2014.
2. Obligasi Subordinasi Berkelanjutan II Bank BII Tahap I 2. Shelf Registered Bonds II Bank BII Tranche I Year 2014.
Tahun 2014.

melalui skema Penawaran Umum Berkelanjutan (“PUB”), through Shelf Public Offering scheme, as prevailed by
sebagaimana diatur dalam Peraturan Bapepam dan LK No. Bapepam and LK regulation No. IX.A.15 regarding Shelf
IX.A.15 tentang Penawaran Umum Berkelanjutan tanggal 30 Public Offering dated 30 December 2010.
Desember 2010.

Adapun detail dari Obligasi-obligasi tersebut sebagai Details of these Bonds are as follows:
berikut:

Sukuk Mudharabah Berkelanjutan I Bank BII Tahap


I Tahun 2014
Nama Obligasi Bonds Name
Sukuk Mudharabah Registered Bonds I Bank BII
Tranche I Year 2014
Jangka Waktu 3 tahun/years Tenor
Jumlah Nominal IDR 300,000,000,000 Nominal Amount
Nisbah 56.76% (per tahun/per year) Profit Sharing Rate
Indikatif Imbal Bagi Hasil 9.35% Indicative Profit Sharing Rate
Tanggal Penerbitan 8 Juli 2014/8 July 2014 Issuance Date
Peringkat Saat Ini PEFINDO : idAAA(sy) Current Rating
FITCH : AAA(idn)
Pembayaran Bagi Hasil Pertama 8 Oktober 2014/8 October 2014 First Profit Sharing Payment
Pembayaran Bagi Hasil Terakhir/ 8 Juli 2017/8 July 2017 Last Profit Sharing Payment/
Tanggal Jatuh Tempo Maturity Date
Penggunaan Dana Untuk mendukung pertumbuhan bisnis Unit Usaha Use of Proceeds
Syariah Perseroan terutama untuk penyaluran
pembiayaan yang sesuai dengan prinsip-prinsip
syariah/

To support the business growth of the Company’s


Syariah Unit mainly for Syariah compliant financing.
Kronologis Pembayaran Bunga: Chronology of Coupon Payment:
1. 8 Oktober 2014 IDR 7,121,000,000 1. 8 October 2014
2. 8 Januari 2015 IDR 7,236,900,000 2. 8 January 2015
3. 8 April 2015 IDR 7,182,655,212 3. 8 April 2015
4. 8 Juli 2015 IDR 7,215,000,000 4. 8 July 2015
5. 8 Oktober 2015 IDR 7,236,900,000 5. 8 October 2015
6. 8 Januari 2016 IDR 7,236,900,000 6. 8 January 2016
7. 8 April 2016 IDR 7,236,900,000 7. 8 April 2016
8. 8 Juli 2016 IDR 7,236,900,000 8. 8 July 2016
9. 8 Oktober 2016 IDR 7,236,900,000 9. 8 October 2016

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Obligasi Subordinasi Berkelanjutan II Bank


BII Tahap I Tahun 2014
Nama Obligasi Bonds Name
Shelf Registered Bonds II Bank BII Tranche I
Year 2014
Jangka Waktu 7 tahun/ years Tenor
Jumlah Nominal IDR 1,500,000,000,000 Nominal Amount
Tingkat Bunga 11.35% (per tahun/per annum) Coupon Rate
Tanggal Penerbitan 8 Juli 2014/8 July 2014 Issuance Date
Peringkat Saat Ini PEFINDO : idAA Current Rating
FITCH : AA(idn)
Pembayaran Bunga Pertama 8 Oktober 2014/8 October 2014 First Coupon Payment
Pembayaran Bunga Terakhir/ Tanggal 8 Juli 2021/8 July 2021 Last Coupon Payment/ Maturity Date
Jatuh Tempo

Penggunaan Dana Untuk meningkatkan aset produktif dalam Use of Proceeds


rangka pengembangan usaha Perseroan
terutama dalam bentuk kredit serta untuk
memperkuat struktur pendanaan jangka
panjang/

To increase earning assets mainly in the form


of loans to support business growth of the
Company as well as to strengthen long-term
funding structure.
Lembaga dan Profesional Penunjang Joint Lead Underwriters Institution and Capital Market
Pasar Modal PT HSBC Securities Indonesia Supporting Professionals
PT Indo Premier Securities
PT Mandiri Sekuritas
PT Maybank Kim Eng Securities (terafiliasi/
affiliated)

Konsultan Hukum/ Legal Consultant


Melli Darsa & Co.

Wali Amanat / Trustee


PT Bank Mandiri (Persero) Tbk

Notaris / Notary
Ir. Nanette Cahyanie Handari Adi Warsito,
S.H.

Auditor
Purwantono, Suherman & Surja (Ernst &
Young)

Laporan Tahunan 2016 Annual Report


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Kronologis Pembayaran Bunga: Chronology of Coupon Payment:


1. 8 Oktober 2014 IDR 42,562,500,000 1. 8 October 2014
2. 8 Januari 2015 IDR 42,562,500,000 2. 8 January 2015
3. 8 April 2015 IDR 42,562,500,000 3. 8 April 2015
4. 8 Juli 2015 IDR 42,562,500,000 4. 8 July 2015
5. 8 Oktober 2015 IDR 42,562,500,000 5. 8 October 2015
6. 8 Januari 2016 IDR 42,562,500,000 6. 8 January 2016
7. 8 April 2016 IDR 42,562,500,000 7. 8 April 2016
8. 8 Juli 2016 IDR 42,562,500,000 8. 8 July 2016
9. 8 Oktober 2016 IDR 42,562,500,000 8 October 2016

Atas penerbitan Obligasi Subordinasi Berkelanjutan Relating to the issuance of Shelf Registered Bonds II Bank
II Bank BII Tahap I Tahun 2014 diatas, Perseroan telah BII Tranche I Year 2014 above, the Company had obtained
mendapatkan persetujuan dari OJK-Pengawas Bank melalui approval from OJK-Bank’s Supervisor as stated in its letter
surat No. S-87/PB.32/2014 tanggal 11 September 2014, untuk No. S-87/PB.32/2014 dated 11 September 2014, to include
memperhitungkan Obligasi Subordinasi tersebut sebagai Subordinated Bonds as Supplementary Capital (Tier II) in
komponen Modal Tambahan (Tier II) dalam perhitungan Capital Adequacy Ratio (CAR) calculation of the Company.
rasio Kewajiban Penyediaan Modal Minimum (KPMM)
Perseroan.

Laporan Realisasi Penggunaan Dana Hasil Penawaran Realization of the Proceeds resulting from the Public
Umum Sukuk Mudharabah Berkelanjutan I Bank BII Tahap Offering of Sukuk Mudharabah Registered Bonds I Bank
I Tahun 2014 dan Obligasi Subordinasi Berkelanjutan BII Tranche I Year 2014 and Shelf Registered Bonds II Bank
II Bank BII Tahap I Tahun 2014 telah dilaporkan kepada BII Tranche I Year 2014 has been reported to Otoritas Jasa
Otoritas Jasa Keuangan melalui surat No. S.2014.614/DIR Keuangan through letter No. S.2014.614/DIR COMPLIANCE
COMPLIANCE tanggal 13 Oktober 2014 dan No. S.2015.015/ dated 13 October 2014 and No. S.2015.015/DIR COMPLIANCE
DIR COMPLIANCE tanggal 14 Januari 2015. dated 14 January 2015.

Selanjutnya, yakni Penerbitan Tahap II dari Penawaran On 10 June 2016, subsequently, Tranche II Issuance through
Umum Berkelanjutan (“PUB”) sebagaimana dijelaskan Shelf Public Offering as described above, the Company
diatas, Perseroan menerbitkan 2 (dua) Obligasi pada tanggal issued 2 (two) Bonds simultaneously:
10 Juni 2016, yakni:

1. Sukuk Mudharabah Berkelanjutan I Bank Maybank 1. Sukuk Mudharabah Registered Bonds I Bank Maybank
Indonesia Tahap II Tahun 2016. Indonesia Tranche II Year 2016.
2. Obligasi Subordinasi Berkelanjutan II Bank Maybank 2. Shelf Registered Bonds II Bank Maybank Indonesia
Indonesia Tahap II Tahun 2016. Tranche II Year 2016.

Detail dari Obligasi-obligasi tersebut adalah sebagai berikut: Details of these Bonds are as follows:

Laporan Tahunan 2016 Annual Report


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Sukuk Mudharabah Berkelanjutan I Bank Maybank


Indonesia Tahap II Tahun 2016
Nama Obligasi Bonds Name
Sukuk Mudharabah Registered Bonds I Bank Maybank
Indonesia Tranche II Year 2016
Jangka Waktu 3 tahun/years Tenor
Jumlah Nominal IDR 700,000,000,000 Nominal Amount
Nisbah 37.27% (per tahun/per year) Profit Sharing Rate
Indikatif Imbal Bagi Hasil 8.25% Indicative Profit Sharing
Rate
Tanggal Penerbitan 10 Juni 2016/10 June 2016 Issuance Date
Peringkat Saat Ini PEFINDO : idAAA(sy) Current Rating
FITCH : AAA(idn)
Pembayaran Bagi Hasil Pertama 10 September 2016/10 September 2016 First Profit Sharing
Payment
Pembayaran Bagi Hasil Terakhir/ 10 Juni 2019/10 June 2019 Last Profit Sharing
Tanggal Jatuh Tempo Payment/ Maturity Date
Penggunaan Dana Untuk mendukung pertumbuhan bisnis Unit Usaha Syariah Use of Proceeds
Perseroan terutama untuk penyaluran pembiayaan yang
sesuai dengan prinsip-prinsip syariah/

To support the business growth of the Company’s Syariah


Unit mainly for Syariah compliant financing.

Kronologis Pembayaran Bunga: Chronology of Coupon Payment:


1. 10 September 2016 IDR 14,270,683,000 1. 10 September 2016
2. 10 Desember 2016 IDR 14,270,683,000 2. 10 December 2016

Obligasi Subordinasi Berkelanjutan II Bank Maybank


Indonesia Tahap II Tahun 2016
Nama Obligasi Bonds Name
Shelf Registered Bonds II Bank Maybank Indonesia Tranche II
Year 2016
Jangka Waktu 7 tahun/ years Tenor
Jumlah Nominal IDR 800,000,000,000 Nominal Amount
Tingkat Bunga 9.625% (per tahun/per annum) Coupon Rate
Tanggal Penerbitan 10 Juni 2016/10 June 2016 Issuance Date
Peringkat Saat Ini PEFINDO : idAA Current Rating
FITCH : AA(idn)
Pembayaran Bunga Pertama 10 September 2016/10 September 2016 First Coupon Payment
Pembayaran Bunga Terakhir/ 10 Juni 2023/10 June 2023 Last Coupon Payment/
Tanggal Jatuh Tempo Maturity Date
Penggunaan Dana Untuk meningkatkan aset produktif dalam rangka Use of Proceeds
pengembangan usaha Perseroan terutama dalam bentuk kredit
serta untuk memperkuat struktur pendanaan jangka panjang/

To increase earning assets mainly in the form of loans to support


business growth of the Company as well as to strengthen long-
term funding structure.

Laporan Tahunan 2016 Annual Report


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Obligasi Subordinasi Berkelanjutan II Bank Maybank


Indonesia Tahap II Tahun 2016
Nama Obligasi Bonds Name
Shelf Registered Bonds II Bank Maybank Indonesia Tranche II
Year 2016
Lembaga dan Profesional Joint Lead Underwriters Institution and Capital
Penunjang Pasar Modal PT Bahana Securities Market Supporting
PT Indo Premier Securities Professionals
PT Kim Eng Securities
PT RHB Securities Indonesia

Konsultan Hukum/ Legal Consultant


Melli Darsa & Co.

Wali Amanat / Trustee


PT Bank Mega Tbk

Notaris / Notary
Aryanti Artisari S.H, M.Kn

Kronologis Pembayaran Bunga: Chronology of Coupon Payment:


1. 10 September 2016 IDR 19,250,000,000 1. 10 September 2016
2. 10 Desember 2016 IDR 19,250,000,000 2. 10 December 2016

Atas penerbitan Obligasi Subordinasi Berkelanjutan II Bank Relating to the issuance of Shelf Registered Bonds II Bank
Maybank Indonesia Tahap II Tahun 2016 diatas, Perseroan Maybank Indonesia Tranche II Year 2016 above, the Company
telah mendapatkan persetujuan dari OJK-Pengawas Bank had obtained approval from OJK-Bank’s Supervisor as stated
melalui surat No. S-71/PB.32/2016 tanggal 14 Oktober 2016, in its letter No. S-71/PB.32/2016 dated 14 October 2016, to
untuk memperhitungkan Obligasi Subordinasi tersebut include Subordinated Bonds as Supplementary Capital
sebagai komponen Modal Tambahan (Tier II) dalam (Tier II) in Capital Adequacy Ratio (CAR) calculation of the
perhitungan rasio Kewajiban Penyediaan Modal Minimum Company.
(KPMM) Perseroan.

Laporan Realisasi Penggunaan Dana Hasil Penawaran Realization of the Proceeds resulting from the Public
Umum Sukuk Mudharabah Berkelanjutan I Bank Maybank Offering of Sukuk Mudharabah Registered Bonds I Bank
Indonesia Tahap II Tahun 2016 dan Obligasi Subordinasi Maybank Indonesia Tranche II Year 2016 and Shelf Registered
Berkelanjutan II Bank Maybank Indonesia Tahap II Tahun Bonds II Bank Maybank Indonesia Tranche II Year 2016 has
2016 telah dilaporkan kepada Otoritas Jasa Keuangan been reported to Otoritas Jasa Keuangan through letter No.
melalui surat No. S.2016.174/DIR FIN tanggal 14 Juli 2016 dan S.2016.174/DIR FIN dated 14 July 2016 and No. S.2016.208/
surat No. S.2016.208/DIR FIN tanggal 9 September 2016. DIR COMPLIANCE dated 9 September 2016.

Laporan Tahunan 2016 Annual Report


160 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Lembaga/Profesi Penunjang Pasar Modal


Capital Market Supporting Institutions/Professions

Nama & Alamat Jasa Fee Periode Penugasan


Name & Address Services Fees Assignment Periods
Kantor Akuntan Publik Purwantono, Kantor Akuntan Publik
Sungkoro & Surja Public Accountant Firm
Indonesia Stock Exchange Building Tower
2, Lantai 7 Jasa Audit Laporan keuangan
Jl. Jenderal Sudirman Kav. 52-53 Financial Statements Audit Service
Jakarta 12190, Indonesia
Tel. (62-21) 5289 5000
Website: www.ey.com/id

PT Sinartama Gunita Biro Administrasi Efek


Sinar Mas Land Menara 1 Lantai 9 Share Registrar
Jl. MH. Thamrin No.51
Jakarta 10350 Indonesia
Tel. (62-21) 392 2332
Fax. (62-21) 3923003

Engawati Gazali, S.H. Notaris


Jl Tanah Abang I/12N Notary
Jakarta 10160
Tel. (62-21) 386 1041
Aryanti Artisari, S.H., M.Kn.
Menara Sudirman Lantai 18
Jl. Jend Sudirman Kav.60
Jakarta Selatan 12190
Tel. (62-21) 520 4778
Fax. (62-21) 520 4779 – 520 4780

PT Fitch Ratings Indonesia Lembaga Pemeringkat


DBS Bank Tower, Lantai 24 Suite 2403 Rating Agencies
Jl. Prof Dr Satrio Kav 3-5 Jakarta 12940
Tel. (62-21) 2988 6800
Website: www.fitchratings.com

PT Pemeringkat Efek Indonesia Lembaga Pemeringkat


(PEFINDO) Rating Agencies
Panin Tower Senayan City, Lantai 17
Jl. Asia Afrika Lot 19
Jakarta 10270
Tel. (62-21) 7278 2380
Website: www.pefindo.co.id

PT Bank Mandiri (Persero) Tbk Wali Amanat


Capital Market Services Department Trustee
Plaza Mandiri Lantai 22
Jl. Jend. Gatot Subroto Kav. 36-38
Jakarta 12160, Indonesia
Tel. (62-21) 524 5161
Website: www.bankmandiri.co.id

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
161
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Penghargaan & Sertifikasi


Awards & Certifications

Januari | January Februari | February Maret | March

HR Excellence Award 2015 Excellent Service Experience Indonesia Human Capital


Kategori BEST Performance Management dan Award (ESE Award) 2016 Awards 2016
BEST Rewards Management, serta memilih dua Kategori “Regular Banking” oleh Carre – Center for Dalam 8 kategori : Best Inspiring HC Director, Best
anggota tim Human Capital Maybank Indonesia Customer Satisfication and Loyality (Carre – CCSL) Human Capital for Public Company - Tbk (2nd), Best
sebagai Top 10 Finalis Indonesia Future HR Leader dan Majalah Service Excellence. (25 Februari 2016) Human Capital of The Year 2016 (Big 5), The Big
oleh Lembaga Management Fakultas Ekonomi
“Regular Banking” category by Carre – Center for 5 in Organization Strategy (4th), The Big 5 in HC
Universitas Indonesia (LM FEUI) bersama Majalah
Customer Satisfication and Loyality (Carre – CCSL) Architecture (4th), The Big 5 in HC Strategy (2nd),
SWA. (Januari 2016)
and Service Excellence Magazine. (25 February 2016) The Big 5 in Recruitment Strategy & HR Planning
BEST Performance Management and BEST Rewards (5th), The Big 5 in Learning Development (2nd), and
Management category, and also two employees of The Big 5 in Best HR Technology (5th) oleh Majalah
Human Capital Maybank Indonesia are selected to
be the Top 10 Finalist of Indonesia Future HR Leader
Mei | May Economic Review. (30 Maret 2016)
In 8 categories : Best Inspiring HC Director, Best
by LM FEUI with SWA Magazine. (January 2016)
Human Capital for Public Company - Tbk (2nd), Best
Human Capital of The Year 2016 (Big 5), The Big
5 in Organization Strategy (4th), The Big 5 in HC

April | April Architecture (4th), The Big 5 in HC Strategy (2nd),


The Big 5 in Recruitment Strategy & HR Planning
(5th), The Big 5 in Learning Development (2nd), and
The Big 5 in Best HR Technology (5th) by Economic
The 12th Islamic Finance Review Magazine. (30 March 2016)
Award
Peringkat 1 pada kategori The Most Expansive
Financing, Peringkat 1 pada kategori The Most
Carre Contact Center Expansive Funding, Peringkat 1 pada kategori
Service Excellence Awards The Most Efficient, Peringkat 1 pada kategori The
Biggest Contributor Financing, dan Peringkat 2 pada
(CCSEA) 2016 kategori The Best Sharia Unit: Asset > 1,5 Triliun
Exceptional pada kategori Call Center untuk oleh KARIM Business Consulting Indonesia. (25
industri Regular Banking, Excellent pada kategori May 2016)
Call Center untuk industri Platinum Credit Card, 1st Rank The Most Expansive Financing, 1st
Exceptional pada kategori Call Center untuk Rank The Most Expansive Funding, 1st Rank The
industri Regular Credit Card, Exceptional pada Most Efficient, 1st Rank The Biggest Contributor
kategori Email Centers untuk industri Banking oleh Financing, and Runner Up The Best Sharia Unit:
Carre Center for Customer and Loyalty (Carre CSL) Asset > 1,5 Triliun by KARIM Business Consulting
dan Majalah Service Excellence. (6 April 2016) Indonesia. (25 May 2016)
Exceptional in Call Center category for Regular
Banking industry, Excellent in Call Center category
for Platinum Credit Card industry, Exceptional
Markplus WOW Service
in Call Center category for Regular Credit Card Excellence Award 2016
industry, Exceptional in Email Centers category for (WOW SEA)
Banking industry, by Carre Center for Customer
and Loyalty (Carre CSL) and Service Excellence Bronze Champion pada kategori Bank Konvensional
Magazine. (6 April 2016) Buku III oleh Markplus Inc. (13 Mei 2016)
Bronze Champion in Conventional Bank Buku III by
HR Asia Awards 2016 Markplus Inc. (13 May 2016)
The Best Company to work for in Asia oleh Majalah
HR Asia. (12 April 2016)
The Best Company to work for in Asia by HR Asia
Magazine. (12 April 2016)

Laporan Tahunan 2016 Annual Report


162 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Penghargaan & Sertifikasi


Awards & Certifications

Juni | June September | September November | November

Infobank Service
Indonesia Banking
Excellence Award 2016
Awards 2016 CG Conference & Award 2016
Peringkat kedua untuk kategori Performa Terbaik
ATM untuk Bank Umum dan Unit Usaha Syariah Maybank Indonesia meraih The Best Sharia The Best CG Financial Sector oleh The Indonesian
meraih peringkat Terbaik Kelima secara keseluruhan Business Unit kategori Bank Umum Non BPD oleh Institute for Corporate Directorship (IICD), 7
(overall performance). (2 Juni 2016) Tempo Media Group dan Indonesia Banking School. November 2016.
(7 Sept 2016) The Best CG Financial Sector from The Indonesian
Runner up in Best Performance ATM in commercial
bank and Unit Usaha Sharia achieves the 5th rank in Maybank Indonesia was awarded as The Best Sharia Institute for Corporate Directorship (IICD), 7
overall performance (2 June 2016) Business Unit in Indonesia Banking Awards 2016 November 2016.
held by Tempo Media Group and Indonesia Banking
School. (7 Sept 2016) Asia Business Leader
Indonesia Digital Award 2016
Innovation Award for Investor Best Sharia Awards
Banking 2016 The Best Sharia Award untuk kategori Unit Usaha
Presiden Direktur Maybank Indonesia terpilih
menjadi “Indonesia Business Leader of the Year”
Untuk kategori Bank Umum Kelompok Usaha Syariah (UUS) dengan aset lebih dari Rp5 triliun pada ajang CNBC’s 15th Asia Business Leaders
(BUKU) III oleh Majalah Warta Ekonomi. (23 Juni oleh Majalah Investor. (13 Sept 2016) Awards 2016. (23 November 2016)
2016) Investor Magazine in August presented its The President & CEO Maybank Indonesia was
Maybank Indonesia was awarded Digital Innovation Best Sharia Awards 2016 to 13 sharia financial awarded as “Indonesia Business Leader of the Year”
for Commercial Bank Based on Business Activity institutions. Bank Maybank Indonesia received the in CNBC’s 15th Asia Business Leaders Awards 2016.
(BUKU) III category by Warta Ekonomi Magazine. best sharia award for Sharia Business Units (UUS) (23 November 2016)
(23 June 2016) with assets above Rp5 trillion. (13 Sept 2016)

Infobank The Best Sharia Desember | December


Trade Finance Finance Award 2016
Partnership Award
Maybank Indonesia Unit Usaha Syariah (UUS)
Sebagai apresiasi peningkatan dan kerjasama yang menerima Predikat Sangat Bagus untuk kategori
erat antara Maybank Indonesia dan Wells Fargo Unit Syariah oleh Majalah Infobank.(30 Sept 2016)
Bank NA dalam bidang global trade, LC financing,
Maybank Indonesia Shariah Business Unit (UUS)
Interbank Trade Loan, LC advising, dan lainnya. (2
received Excellent Designation in Shariah Unit
Juni 2016)
category from Infobank Magazine. (30 September Sustainability Reporting
Maybank Indonesia was awarded Trade Finance
Partnership Award from Wells Fargo Bank NA as an
2016) Award 2016
appreciation of improvement and good cooperation 10th Annual Alpha Maybank meraih “Penghargaan sebagai the Best
in the fields of Global Trade, LC Financing, Practice in Micro Financing for Women” pada
Interbank, Trade Loan, LC Advising. (2 June 2016)
Southeast Asia Awards ajang Sustainability Report Award (SRA) 2016. (14
Best SME Bank in Southeast Asia oleh majalah December 2016).
Alpha Southeast Asia (1 Sept 2016) Maybank won as a “Commendation for Best
Agustus | August Best SME Bank in Southeast Asia by Alpha Practice in Micro Financing for Women” in the
Southeast Asia magazine (1 Sept 2016) Sustainability Report Award (SRA) 2016. (14
December 2016).

Oktober | October Indonesia Best Banking


Brand Award 2016
The Best Transparency Bank for Conventional, The
JP Morgan Best Service Bank for Shariah Unit and The Best
Recognition Award Performance for Shariah Unit oleh Majalah Warta
Ekonomi. (16 Desember 2016).
“MT 103 Elite Quality Recognition Award” dari The Best Transparency Bank for Conventional, The
JPMorgan untuk ke-lima kalinya (five consecutive Bisnis Indonesia Banking Best Service Bank for Shariah Unit and The Best
year) untuk kategori kategori “STP Award”. (4 Award 2016 Performance for Shariah Unit by Warta Ekonomi
Agustus 2016) Magazine. (16 December 2016).
“MT 103 Elite Quality Recognition Award” from The Best Performance Bank dan The Best Efficient
Bank untuk kategori Bank Umum Kegiatan Usaha
JPMorgan for five consecutive years in “STP Award”
(BUKU) III. (19 Oktober 2016)
Best Employer Award 2016,
category. (4 August 2016)
The Best Performance Bank and The Best Efficient
by Telkom University
Bank for Commercial Bank BUKU III category. (19
October 2016)

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
163
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PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Alamat Kantor Cabang


Branch Offices Address
Nama Cabang Alamat Phone Fax
Branch Name Address
Sumatera Utara | North Sumatera
KANWIL SUMATERA UTARA Wisma BII Lt.3, Jl. Diponegoro No. 18, Medan
KC BANDA ACEH Jl. Panglima Polim No. 50-52 Banda Aceh 23122 0651 - 26888 0651-23789
KC DIPONEGORO MEDAN Jl. Diponegoro No. 18, Medan 061 - 4537 888 061-4537211
KCP SUMATERA Jl. Sumatera No. 93 C, Medan 061-88817811 061-88814267
KCP GLUGUR Jl. Glugur No. 71A, Medan Petisah, Medan 061 - 4152011 061-4152012
KCP SETIABUDI MEDAN Komplek Ruko Setiabudi No. 7, Medan 061-8214441 061-8217811
KCP BINJAI JL. Jend. Sudirman No. 207 A-B, Binjai 061 - 8822325 061-8821037
KCP CENTER POINT Jl. Timor, Kompleks Center Point Blok H No. 32, Kel. Gang Buntu, Kec. 061-80510399
Medan Timur Medan
KCP MEDAN PLAZA Jl. Iskandar Muda Komp. Medan Plaza, Shopping Center Blok H - VIII, 061 - 4528628 061-4521005
Medan
KCP TOMANG ELOK Jl. Gatot Subroto Komp. Tomang Elok Blok C No. 105 Medan 061 - 8462222 061-8462002
KCP TANJUNG MORAWA Jl. Pahlawan No. 40 Tanjung Morawa, Deli Serdang 061- 7863444 061-7867944
KCP BRIGJEN KATAMSO Jl. Brigadir Jendral Katamso No. 761 AB, Medan 061-7878008 061-7867944
KCP LUBUK PAKAM Jl. Sutomo No. 7 Kelurahan Lubuk Pakam Pekan Kecamatan Lubuk 061- 061-7950611
Pakam Kabupaten Deli Serdang 7951281/7953119/7951238
KC PALANG MERAH, MDN Jl. Palang Merah No. 15, Medan 061 - 4512800 061-4510510
KCP JL BANDUNG MEDAN Jl. Bandung 88/11, Pasar Baru, Medan 061 - 4559811 061-4552811
KCP THAMRIN MEDAN Jl. Thamrin No. 75 - C-I Medan 061 - 7348000 061-7348684
KCP MAL MEDAN JL. MT. Hary, Komp. Mal Mdn Lt. 1 No. 16 061 - 4575771 061-4575779
KCP KRAKATAU JL. Krakatau No. 138 A Medan 061 - 6630050 061-6630048
KCP PULO BRAYAN Jl. K.L. Yos Sudarso No. 2 M-N, Pulo Brayan, Medan 061- 6620888 061-6621850
KCP A.R.HAKIM JL. A.R. Hakim No. 8, Medan 061 - 7352688 061-7351253
KCP JL CIREBON MEDAN Jl. Cirebon No. 11 Medan 061- 4157111 061-4155639
KCP SUTOMO Jl. DR. Sutomo No. 18 I-J Medan 061 - 4565088 061-4567808
KCP CEMARA ASRI Jl. Cemara Boulevard Blok B 1 No. 76, Kompleks Cemara Asri, Deli 061 - 6638286 061-6638353
Serdang
KC BATAM Raja Ali Haji No. 38 Batam 0778 - 456377 0778-457265
KCP CITRAMAS PENUIN Jl. Pembangunan Komp. Citramas Bl. A No. 18, Penuin Batam 0778 - 422710 0778-422760
KCP BATU AJI Komplek Sentosa Perdana Blok DD No. 9 & 10, Batam - Kepri 0778 - 6053050 0778-392112
KCP PALM SPRING BATAM Komplek Palm Spring BTC Blok D1 No. 10, Batam Centre 0778 - 6053070 0778-466642
CENTER
KCP BOTANIA GARDEN Ruko Botania Garden, Botania Garden Blok A1 No 1A dan 1B, Batam 0778-7495226/7 0778-7495228
Center - Batam
KC PEMATANG SIANTAR Jl. DR. Sutomo No. 245 Pematang Siantar 21118 0622 - 420777 0622-22348
KCP TEBING TINGGI Jl. Suprapto No.79, Tebing Tinggi 0621 325811 0621-21544
KCP KISARAN Jl. Imam Bonjol No. 148 Kelurahan Kisaran Kota, Kecamatan Kisaran (0623) 348811 0623-357227
Kabupaten Asahan
KC RANTAU PRAPAT Jl. Diponegoro No. 19 Rantau Prapat 21412 0624 - 327333 0624-21749
KCP KOTA PINANG Jl. Bukit 88 K, Kelurahan Kota Pinang, Kecamatan Kota Pinang, 0624-495811 0624-495710
kabupaten Labuhan Batu Selatan, Sumatera Utara
KC TANJUNG PINANG Jl. Merdeka No. 6 F- G Tanjung Pinang 29111 0771 - 311800 0771-26267
KCP TANJUNG UBAN Jl. Permaisuri No. 7 Tanjung Uban 0771 - 81800 0771-81333
KC PEKANBARU Komp. Senapelan Plaza, Jl. Jend. Sudirman No. 69 Pekanbaru 0761-31922 0761-32272
KCP PERAWANG Jl. Raya Perawang KM 5 No. 16 Perawang 0761-92223 0761-91491
KCP RIAU Jl. Riau No. 10 FG Kel. Tampan Kec. Tampan, Kota Pekanbaru, Riau 0761 - 848811 0761-849811
KCP HARAPAN RAYA Jl. Harapan Raya No. 304 V, Pekanbaru 0761 - 887811 0761-7891811
KCP DUMAI Jl. Sukajadi/ P. Diponegoro No. 106 & 108, Dumai 28812 0765 - 32811 0765-440811
KCP NANGKA Komp. Citra Plaza Jl. Teuku Tambusai (D/H Jl. Nangka) No. 12 0761 - 28230 0761-28229
Pekanbaru
KCP BELILAS Jl. Raya Lintas Timur No. 39 Belilas Kecamatan Siberida Desa/ 0769-323541 0769-323514
Kelurahan PangkalanKasai Kabupaten Indragiri Hulu Provinsi Riau
KC PADANG Jl. Jend. Sudirman No. 14 Padang 25121 0751 - 30811 0751-33989
KCP BELAKANG OLO Jl. Belakang Olo No. 28, Padang 0751 - 30811 0751-33989
KCP PONDOK/ PLAZA MINANG JL. Pondok No. 86-C, Padang 0751 - 33148 0751-36211
KCP BUKIT TINGGI Jl. Jend. A. Yani No. 92 Bukit Tinggi 0752-625811/5 0752-624991

Sumatera Selatan | South Sumatera


KANWIL SUMATERA SELATAN Jl. Kapten Rivai No. 1293, Lantai 5, palembang, Sumatera Selatan
KC BENGKULU Jalan Soewondo Parman No. 51-52, Kelurahan Penurunan, Kecamatan 0736-344100 0736-343559
Ratu Samban, Kota Bengkulu, Provinsi Bengkulu

Laporan Tahunan 2016 Annual Report


164 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
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Alamat Kantor Cabang


Branch Offices Address
Nama Cabang Alamat Phone Fax
Branch Name Address
KCP LINGKAR TIMUR Jl. Salak Raya No. 33, Kecamatan Gading Cempaka, Kelurahan Padang 0736-343737 0736-347011
Nangka, Kota Bengkulu
KC JAMBI Jl. DR. Sutomo No. 54 Jambi 36113 0741-32141– 47 0741-32488/34533
KCP JELUTUNG Jl. Hayam Wuruk No. 74-75, Jelutung, Jambi 0741 - 20611 0741-24811
KCP SIPIN, JBI Jl. Kapt. A. Bakarudin No. 67 & 68, Sipin, Jambi 36122 0741 - 63981 0741-65618
KCP KUALA TUNGKAL Jl. Imam Bonjol No. 68-69, RT. 003 RW.000, Kel. Tungkal IV Kota, Kec. ( 0742 )  22611,322745,46,47 (0742)       21811
Tungkal Ilir, Kab. Tanjung Jabung Barat, Jambi
KCP TALANG BANJAR Jl. Rang Kayo Pngai No. 36 RT 003 RW 003, Kelurahan Talang Banjar, 0741-34700 0741-34742
Kecamatan Jambi Timur, Kota Jambi
KC MUARA BUNGO Jl. Sudirman No. 55, RT 015 RW 006, Kelurahan Bungo Barat, 0747-321181 0747-321182
Kecamatan Muara Bungo, Kabupaten Bungo, Jambi
KC PALEMBANG Jl. Kapten Rivai No. 1293 Palembang 30129 0711 - 311909 0711-311882/ 320209
KCP SUKAMTO Jalan R. Sukamto No. 28 E, Palembang 0711-314222/33 0711-314277
KCP LETKOL ISKANDAR Jl. Letkol. Iskandar No. 901 ABCD Palembang 0711-370771/2 0711-311827
KCP KEBUMEN DARAT JL. Kebumen Darat No. 742, Palembang 0711 - 361447 0711-361449
KCP POLYGON Perumahan Bukit Sejahtera (Polygon) Bl. BA No. 17, Palembang 0711 - 442605 0711-442604
KCP LEMABANG Jl. RE Martadinata No. 18 B, Kel. 8 Ilir, Kec. Ilir Tengah 1, Palembang 0711 - 710334 0711-710396
KCP BANYUASIN Jl. Sultan Mahmud Badaruddin II KM 12 No.6, Kelurahan Alang-alang 0711-5645217 0711-5645333
lebar, Kec Alang-alang lebar (dr.Sukarami) Palembang 30154
KCP LUBUK LINGGAU Jl. Garuda Nomor 2, RT 005 RW 000, Kelurahan Pasar Pemiri, 0733-324604 0733-324336
Kecamatan Lubuk Linggau Barat II, Kota Lubuk Linggau
KCP PRABUMULIH Jl. Jend. Sudirman No. 36-37 Kec. Prabumulih Barat Kel. Pasar 0713-323777
Prabumulih Kabupaten Muara Enim - Sumatera Selatan
KC BANDAR LAMPUNG Jl. Laks. Malahayati No. 188, Teluk Betung, Bandar Lampung 0721-487409/10 0721-486225
KCP TANJUNG KARANG Jl. Kartini Komp. Pertokoan Pasar Tengah Blok B / II No. 15 Tanjung 0721 - 266651 0721-266654
Karang Lampung 3511
KCP RADEN INTEN Jln. Raden Intan No. 144/88 Tanjung Karang, Bandar Lampung 0721 - 250270 0721-251227
KCP METRO LAMPUNG Komp. Ruko Sumur Bandung Blok B No. 5 Metro, Lampung 0725-47811–14 0725-47311
KCP BANDAR JAYA Jl. Proklamator No. 25 Kelurahan Bandar Jaya Barat, Kecamatan 0725-527611 0725-527811
Terbanggi Besar, Kabupaten Lampung Tengah, Propinsi Lampung
KCP PRINGSEWU Jl. Jendral Ahmad Yani No. 99 A, Desa Pringsewu Timur, Kecamatan 0729-7330011
Pringsewu,Kabupaten Pringsewu, Lampung
KCP ANTASARI Jl. Pangeran Antasari No. 36 C, Kelurahan Kedamaian, Kecamatan 0721-5600588
Tanjung Karang Timur, Kota Bandar Lampung, Lampung
KC PANGKALPINANG Jl. Pegadaian No. 12A, Kompleks Pasar, Kota Pangkalpinang 0717-424324 0717-434215

Jawa Barat | West Java


KANWIL JAWA BARAT Jl. R.E. Martadinata No. 23 Bandung
KC RE MARTADINATA Jl. R.E. Martadinata No. 23 Bandung 022- 4240720 022-4240721
KCP DAGO Jl. Ir. H. Juanda No.99, Bandung (Perpindahan sementara ke KC Jl. R.E. (022) 2516599 022-2516611
Martadinata No. 23 Bandung)
KCP PURWAKARTA Jl. Jendral Sudirman No. 59 Purwakarta 0264-311761-3 0264-8220114
KCP JL SUDIRMAN BANDUNG Jl. Jendral Sudirman No. 51, Bandung (022) 30292096 022-4200076
KCP BUAH BATU Jl. Buah Batu No. 261 Bandung (022) 7305595 022-7307904
KCP KOPO SAYATI Jl. Raya Kopo Bihbul No. 16 D Bandung (022) 5415858 022-5415800
KCP JL AHMAD YANI BANDUNG Jl. A. Yani No. 702 Bandung (022) 7202914 022-7206220
KCP METRO TRADE CENTER Metro Indah Mall - Kawasan Niaga MTC Blok B No. 25, Jl. Soekarno 022-7537070 022-7537111
(MTC) Hatta No. 590 - Bandung
KCP BATUNUNGGAL Jl. Batununggal Raya No. 157 RT 008 RW 01, Kelurahan Batununggal, 022-7563466 022-7509071
Kecamatan Badung Kidul, Bandung
KCP MOHAMMAD TOHA Jl. Mohammad Toha No. 165, Kelurahan Cigereleng, Bandung 022-30292431 022-5209785
KC ASIA AFRIKA Jl. Asia Afrika No. 113 Bandung (022) 4214024 022-4204134
KCP SETIA BUDI BANDUNG Jl. Setia Budi No. 170 K Bandung (022) 2032616 022-2032608
KCP CIMAHI Jl. Amir Mahmud no. 294, Cimahi (022) 6658188 022-6652856
KCP KOMPLEK SUMBER SARI Ruko Sumber Sari No. 130 Jl. Soekarno Hatta, Bandung (022) 6079900 022-6043345
KCP SURYA SUMANTRI Jl. Surya Sumantri No. 56 Bandung (022) 2003390 022-2002587
KCP PASIR KALIKI Jl. Pasirkaliki No. 154, Bandung (022) 84468050 022-84468062
KCP RANCAEKEK Jl. Rancaekek No. 146, Bandung (022) 7797022 022-7796869
KCP JL CIBADAK BANDUNG Jl. Cibadak No. 88 Bandung (022) 7797022 022-4207809
KCP KOPO PLAZA Ruko Bumi Kopo Kencana Bl. D-14, Jl. Lingkar Selatan, Bandung (022) 6079717 022-6079712
KCP PADALARANG Jl. Raya Cimareme-Padalarang, RT 04 RW 01 Kampung Cimareme, (022) 86861195 022-86861196
Desa Cimareme Kecamatan Ngamprah, Kabupaten Bandung Barat

Laporan Tahunan 2016 Annual Report


PT BANK MAYBANK INDONESIA TBK
165
IKHTISAR UTAMA LAPORAN MANAJEMEN PROFIL
PROFIL PERUSAHAAN
PERUSAHAAN ANALISA & PEMBAHASAN MANAJEMEN
Highlights Management Reports Company Profile Management Discussion & Analysis

Alamat Kantor Cabang


Branch Offices Address
Nama Cabang Alamat Phone Fax
Branch Name Address
KCP GARUT Jl. Ciledug No. 177, RT 001 RW 010, Desa/Kelurahan Kotakulon, 0262-238071 0262-238081
Kecamatan Garut Kota, Kabupaten Garut
KCP TAMAN KOPO INDAH Ruko 1B-20 RT 10 RW 11, Desa Rahayu, Kecamatan Margaasih, 022-5421334 022-5411152
Kabupaten Bandung
KC SUKABUMI Jl. Jend. Achmad Yani No. 20 Sukabumi 43131 (0266) 214800 0266-217463
KCP CIANJUR Jl. HOS Cokroaminoto No. 98 Cianjur 43215 (0263) 282800 0261-204637
KCP CIBADAK Jl. Suryakencana No. 99, Cibadak, Sukabumi (0266) 534700 0266-5411152
KC TASIKMALAYA Jl. Juda Negara Ruko No. 16-17 Tasikmalaya (0265) 338408 0265-338411
KC CIREBON Jl. Siliwangi No. 49 Cirebon (0231) 202150 0231-207050
KCP WINAON, CIREBON Jl. Winaon No. 14 Cirebon (0231) 233350 0231-211820
KCP PLUMBON Jl. Karang Asem No. 25, Kec. Plumbon, Cirebon (0231) 320145 0231-320147

Jakarta 1 | Jakarta 1
KANWIL JAKARTA 1 Plaza BII Menara 1 lt. 3 Jl. M.H. Thamrin Kav. 22 No. 51, Jakarta
KC THAMRIN, JKT Jl. MH Thamrin Kav. 22 No. 51, Tower 2 lt. 1, Jakarta 10350 (021) 2300888 021-3926061
KCP PROKLAMASI Jl. Proklamasi No. 23 Jakarta Pusat 10320 021 - 3154467 021-3103568
KCP WISMA METROPOLITAN 2 Wisma Metropolitan II, Jl. Jend. Sudirman Kav. 31, Jakarta 021 - 5227889 021-5227447
KCP TANAH ABANG BLK A Tanah Abang Blok A, Unit B2/F/068 A-B, Jakarta Pusat 021-23572362 021-23571922
KCP WISMA KEIAI Wisma KEIAI Lt. Dasar, Jl. Jend. Sudirman Kav. 3-4, Jakarta 021-5724031-36 021-5724031
KCP PLAZA INDONESIA Plaza Indonesia, Jl. MH Thamrin, Blok B-1 No. 17-18, Lt. Dasar, Jakarta 021-3107535/36 021-3107588
Pusat
KCP MALL AMBASADOR Jl. Prof. Dr. Satrio, Lt. Dasar Ruko No. 1, Jakarta Selatan 021 - 5760136 021-5760366
KCP MENTENG CENTRAL JL. HOS COKROAMINOTO NO. 78, MENTENG, JAKARTA PUSAT 021 - 31904370 021-31904388
10310
KCP TANAH ABANG Jl. Fachruddin Bl. D 18-19 Tanah Abang, Jakarta Pusat 10250 021 - 2303035 021-2303054
KC SUMMIT MAS, JKT Summitmas Tower II Jl. Jend. Sudirman Kav. 61, Jakarta 021 - 2526333/35 021-2521612
KCP SENTRAL SENAYAN 2 Sentral Senayan II Ground Floor, Unit No.201F, Jl. Asia Afrika No.8, 021-57954101-5 021-57954115
Jakarta Pusat
KCP WOLTER MONGINSIDI Jl. Wolter Monginsidi No. 64B, Kebayoran Baru, Jakarta Selatan 021-72796941/43 021-7267758
KCP BURSA EFEK JAKARTA Jakarta Stock Exchange Building, Twr 1 Ground Fl, Jl Jend. Sudirman 021-5150722-27 021-5150731/32
Kav. 52-53, Jakarta
KCP WARUNG BUNCIT Jl. Mampang Prapatan Raya No. 91, Jakarta Selatan 021-7984401-05 021-7984395
KCP PALMERAH Jl. Palmerah Utara 36-38, Jakarta 021-5305119-24 021-5308376
KCP WISMA 77 Wisma 77 Tower 2, Lantai Ground Zona 1 A, Jl. Letjend. S. Parman Kav. 021 - 29676100 - 102 - 103 021-29676101
77, Slipi, Jakarta Barat - 104
KCP PERMATA HIJAU Jl. Perak No. 17B , Permata Hijau , Jakarta 12210 021 - 5357333 021-5332260
KCP SENTRAL SENAYAN 3 Gedung Sentral Senayan 3, Ground Floor, Jl. Asia Afrika 8, Gelora 021-29228857/55 021-29228859
Bung Karno, Senayan, Jakarta Pusat 10270
KCP MELAWAI Jl. Melawai No. 189A-A2, RT 007, RW 005, Kelurahan Kramat Pela, 021-7260011 021-7261255
Kecamatan Kebayoran Baru, Jakarta Selatan
KC MT. HARYONO, JKT Wisma Korindo Lt. 1, Jl. MT. Haryono Kav. 62 Jakarta 021-7976061-5 021-7976167
KCP MENARA MTH Gedung Perkantoran Menara MTH, Ground Floor Suite GF04 Jl. 021-83782561-4 021-83782565
Letjen MT Haryono Kav 23, Jakarta
KCP WISMA MULIA Suite G 01, Wisma Mulia Jl. Jend. Gatot Subroto 42, Kuningan Barat, 021 - 52906000 021-52905900
Mampang Prapatan Jakarta 12710
KCP GRAHA IRAMA Jl. HR Rasuna Said Kav. 1-2 Ground Floor Blok B Jakarta Selatan 021-5261330-4 021-5261335
KCP Office 8 Gedung Office 8, Lantai Dasar, Unit Banking Hall E, Jl. Senopati Raya 021-29333360 - 64
No. 88.
Kebayoran Baru – Jakarta Selatan
KCP SUPOMO Jl. Profesor Supomo SH Blok Z Persil 25 (Supomo No. 55), Kec. Tebet, 021-83780897-8 021-83780899
Kel. Tebet Barat, Jakarta Selatan
KCP KOTA KASABLANKA Lower Ground Floor Unit 102, Jl. Casablanka Kav. 88, Jakarta Selatan 021-29488622-25 021-29488627
KC FATMAWATI, JKT Jl. R.S. Fatmawati No. 28 Jakarta 021 - 7511900 021-75910171
KCP KEBAYORAN LAMA Jl. Raya Kebayoran Lama No. 22 (PAL VII), Kel. Sukabumi Utara - Kec. 021 - 5301787 021-5301636
Kebon Jeruk, Jakarta Barat 11540
KCP DUTA MAS Duta Mas Fatmawati Raya Blok B2 No. 7, Jaksel 021 - 7231311 021-7231310
KCP AMPERA Jl. Ampera Raya 10 Pejaten Barat, Jakarta 12510 021-7180149-50 021-7180151
KCP GRAND WIJAYA Komp.Perkantoran Wijaya Grand Puri, Jl. Wijaya II Blok G No. 35-36, 021 - 2700620 021-7206658
Jakarta Selatan
KCP KEMANG Jl. Kemang Raya No. 6 Jakarta 021 - 7181404 021-7181405
KCP PANGLIMA POLIM Jl. Panglima Polim Raya No. 79 Jakarta 021 - 2700811 021-7206978
KCP TB SIMATUPANG Gedung Graha Simatupang, lt. 1 & 2, Jl. T B Simatupang Kav. 38, 021-7813292-94 021-7813391
Jakarta Selatan
KCP DEPOK Jl. Margonda Raya No. 38 Depok 021 - 7751368 021-7521090

Laporan Tahunan 2016 Annual Report


166 PT BANK MAYBANK INDONESIA TBK
Tinjauan Fungsional TATA KELOLA PERUSAHAAN TANGGUNG JAWAB SOSIAL PERUSAHAAN Laporan keuangan
Functional Review Corporate Governance Corporate Social Responsibility Financial Report

Alamat Kantor Cabang


Branch Offices Address
Nama Cabang Alamat Phone Fax
Branch Name Address
KC PONDOK INDAH, JKT Jl. Metro Pondok Indah Kav. II UA No.65-66, Jakarta 12310 021 - 7500027/ 7690890 021-7500387/7663244
KCP CINERE Ruko Cinere Bl. A No. 6 , Jl. Cinere Raya, Cinere 021 - 7548033 021-7548034
KCP MAL PONDOK INDAH Unit G51 – G53 Lt. Dasar Jl. Metro Pondok Indah Jakarta Selatan 021 - 7507010 021-75921025
KCP PAMULANG Jl. Siliwangi Ruko Pamulang Permai 1 Blok SH 19/12, Ds. Pamulang 021 - 74701403 021-74701426
Barat, Kec. Pamulang, Kab. Tangerang Selatan
KCP BINTARO JAYA Jl. Bintaro Utama 3 A Rukan Blok A No.1 , Pondok Aren, Tangerang 021-7351158-60 021-7375127
KCP KEBAYORAN ARCADE Jl. Ruko Kebayoran Arcade II, Kaveling Blok KA/B2 22, Kelurahan 021-29511826
Pondok Jaya, Kecamatan Pondok Aren, Kota Tangerang Selatan
KCP BINTARO PERMAI Jl. RC Veteran No. 1, Kel. Bintaro, Kec. Pesanggrahan, Jakarta Selatan 021 - 73692589 021-73692610
KCP RADIO DALAM Jl. Radio Dalam No. A/1b (Komplek Yado) Kec Kebayoran Baru, 021 - 7232300 021-7232333
Gandaria Utara Jakarta Selatan
KC JATINEGARA, JKT Jl. Jatinegara Timur 59 Jakarta 021 - 2800320 021-2800324
KCP MATRAMAN JL. Matraman Raya No. 55 Jakarta 021-8510761-65 021-8510769
KCP PONDOK GEDE Pondok Gede Plaza Blok B1 No. 14-16, Pondok Gede, Bekasi 021 - 8463103 021-8469664
KCP PEMUDA Jl. Pemuda RT.007/01 No. 29 Jakarta 021 - 4714850 021-4714849
KC BEKASI, JTN-JKT Ruko Kalimalang Commercial Center, Jl. Jend. A. Yani Blok A-1 No. 8 021 - 8849060 021-8849064
Bekasi
KCP KALIMALANG, Pertokoan Duta Permai Bl.B-1 No.14-16, Jl. Kalimalang, Bekasi 021-88954311 021-8894235
KCP CIBITUNG Komplek Perkantoran Kawasan Industri, MM 2100 Blok C No. 12 A 021-8981338-40 021-8981341
dan B, Cibitung - Bekasi
KCP HARAPAN INDAH Ruko Sentra Niaga 2 Blok SN2 No. 7, Bulevar Hijau, Harapan Indah, 021 - 88387040 021-88387039
Medan Satria, Bekasi Barat
KCP GRAND WISATA Ruko Grand Wisata Blok AA 9 No. 23, Bekasi 021 - 82616054 021-82616053
KCP KEMANG PRATAMA Ruko Kemang Pratama Kav. AM No. 07 B, Bekasi 021 - 82415222 021-82431590
KCP SUMMARECON BEKASI Kompleks Sinpasa Commercial Summarecon Bekasi, Blok SA Nomor 021-29453980; 021-
030, Type Sinpasa 5, Jalan Bulevar Selatan Summarecon Bekasi 29453981; 021-29453982;
021-29453983; 021-
29453984; 021-29453985
KCP JABABEKA Jl. Niaga Raya Ruko Capitol No. 2 M , Jababeka II 021 - 89830717 021-89830862
KCP CIKARANG PLAZA Ruko Cikarang Plaza, Jl. Sumantri Blok No. 17 & 18, Cikarang, Jawa 021-8905011-13 021-8903156
Barat
KCP LIPPO CIKARANG Komp. Ruko Thamrin Bl. B No. 2 Bl. B No. 2 Lippo Cikarang Jl. MH. 021 - 89909052 021-89908731
Thamrin, Bekasi 17550
KCP CIKARANG CENTRAL CITY Ruko Cikarang Central City, Jl. Raya Cikarang Cibarusah KM 10 No. 021 - 29611131-35 021-29619108
88 Kampung Kandang Roda, RT 012 RW 006, Kelurahan Ciantra,
Kecamatan Cikarang Selatan, Kabupaten Bekasi, Propinsi Jawa Barat

KCP PERMATA JUNCTION Komplek Perumahan Juction Blok B No.6 Jababeka 1, Kecamatan 021-89832660 021-89832641
Cikarang Utara, kabupaten Bekasi
KC KARAWANG, JKT Jl. Jend. A. Yani No. 85 Karawang 0276 - 403304 0267-403766
KCP SENTRA KIIC Sentra KIIC Room #1, Unit C, Sentra KIIC, Jalan Permata Raya Lot-CA 021-8905404 - 05 0267.8643130
1, Kawasan Industri KIIC, Telukjambe Karawang - Jawa Barat 0267-644008, 646382
KCP CIKAMPEK Jl. Jend. A. Yani Ruko No. 60C Cikampek 0264-311761/3 0264-318969
KCP SURYA CIPTA KARAWANG Gedung Suryacipta Square, Jl. Surya Utama Kav.C-1, Kawasan Industri (0267) 8610234 (0267) 8610233
Suryacipta, Karawang
KCP BUKIT INDAH Bukit Indah Cikampek Blok C1 No. 5A, Cikampek 0264-8371185/88 0264-8371183
KCP DELTAMAS PERUMAHAN KOTA DELTAMAS, BLOK B NO. 1, LOKASI PALAIS De 021 - 89970005 021-89907845
PARIS, DESA SUKAMAHI, CIKARANG PUSAT
KCP TUPAREV Jl. Tuparev No. 56, Kecamatan Karawang Barat, Kabupaten Karawang, 0267-8490878 0267-8490877
Jawa Barat
KCP MITRA KARAWANG TIMUR Ruko Blok AF, Kawasan Industri Mitrakarawang, Desa Parungmulya, 0267-440090,91,92,93,94 0267-440095