1 Laporan-Tahun-2010 20160225140358

Expanding The Market With
Solid Business Foundation

PT BANK MUAMALAT INDONESIA TBK
Gedung Arthaloka
Jalan Jenderal Sudirman No. 2
Jakarta 10220
Tel : 021 - 2511414, 2511470, 2511451
Fax : 021 - 2511453, 2511465
Annual Report
Laporan Tahunan
Laporan Tahunan Memperluas Pasar dengan Landasan Bisnis yang Kokoh

Annual Report Expanding The Market With
2010
2010 Solid Business Foundation

PROLOGUE
PROLOG
EXPANDING THE MARKET WITH SOLID BUSINESS FOUNDATION

Memperluas Pasar dengan Landasan Bisnis yang Kokoh
Pertumbuhan bisnis yang dicapai Bank Muamalat The business growth achieved by Bank Muamalat has
selama ini merupakan pemicu bagi peningkatan been the trigger for future performance improvement.
kinerja dimasa mendatang. Transformasi bisnis yang The successfully implemented business transformation
telah sukses dilakukan terus berlanjut sampai tahun will be carried out to the year 2010 to create more solid
2010, sehingga menciptakan landasan usaha yang business foundation and become the ground for more
kian kokoh dan menjadi bekal ekspansi bisnis yang aggressive business expansion.
makin agresif.
Upaya yang telah ditempuh membuahkan hasil The efforts conducted have come into fruition, with the
dengan semakin meningkatnya kinerja Bank Muamalat increased performance of Bank Muamalat in the year
pada tahun 2010. Pencapaian tersebut diraih di 2010. Such achievement was attained amidst a fierce
tengah maraknya perbankan syariah di Indonesia. competition in sharia banking across Indonesia.
Dengan demikian, sebagai bank pertama murni Therefore, as the first purely sharia bank and the
syariah dan pelopor dalam industri, Bank Muamalat pioneer in the industry, Bank Muamalat is able to
mampu mempertahankan posisinya sebagai maintain its position as the barometer of sharia
barometer perbankan syariah di tanah air, bahkan banking in the archipelago, and even stepped further
semakin jauh melangkah berekspansi di dalam dan ahead to expand domestically and internationally.
luar negeri.
Transformasi bisnis Bank Muamalat tahun The business transformation of Bank Muamalat
2010 dilaksanakan secara komprehensif dan in 2010 was implemented comprehensively and
berkesinambungan dengan penerapan efektif prinsip- continuously with effective implementation of GCG
prinsip Good Corporate Governance, Kepatuhan principles, Compliance and Risk Management
dan Manajemen Risiko yang diiringi dengan which is accompanied by strengthening its business
perkuatan infrastruktur bisnis, sistem operasi, kualitas infrastructure, operational system, quality of human
sumberdaya manusia, serta penyelerasan lini bisnis resources and other business line synchronization
guna mempertajam fokus agar menjadi bank pilihan to sharpen the focus to be the bank of choice for
nasabah. customers.
Semua langkah yang dilakukan merupakan bagian All the conducted steps are part of the effort toward
dari upaya untuk menjadi bank syariah modern yang becoming a modern sharia bank that operates with
beroperasi dengan standar kelas dunia dan mampu world-class standards and capabilities of reaching a
meraih pasar yang lebih luas. broader market.
TABLE OF CONTENTS
DAFTAR ISI
Ikhtisar Utama Profil Perusahaan

Key Financial Highlights Company Profile
Halaman / Pages Halaman / Pages
06 40
Ikhtisar Keuangan Riwayat Singkat Perusahaan
Financial Highlights Brief History of the Company
08 48
Ikhtisar Kinerja Saham Visi, Misi dan Budaya Perusahaan
Stock Performance Highlights Vision, Mission and Corporate Culture
11 52
Ikhtisar Sukuk Subordinasi Mudharabah Data Perusahaan
Subordinate Mudharabah Sukuk Highlights Corporate Data
Laporan Manajemen Halaman / Pages
Management Report
Halaman / Pages
54
Struktur Organisasi
14 Organizational Structure
Halaman / Pages
Sambutan Dewan Pengawas Syariah
Message from the Sharia Supervisory Board
Halaman / Pages
56
Profil Dewan Komisaris
16 Board of Commissioners Profile

Halaman / Pages
Pernyataan Dewan Pengawas Syariah
Statement From the Sharia Supervisory Board
Halaman / Pages
60
Profil Direksi
18 Board of Directors Profile

Halaman / Pages
Laporan Komisaris Utama
Report from the President Commissioner
Halaman / Pages
66
Ikhtisar SDM
22 Human Resources Highlight

Halaman / Pages
Laporan Direktur Utama
Report from the President Director
Halaman / Pages
73
Anak Perusahaan
37 Subsidiaries
Halaman / Pages
Pertanggungjawaban Dewan Komisaris dan
Direksi
Statement of Accounts of Board of Commissioners
77
Sertifikasi dan Penghargaan
and Board of Directors
Awards and Certifications
2010 Laporan Tahunan

Annual Report
3
TABLE OF CONTENTS
DAFTAR ISI
82 158
Peristiwa Penting Komite-Komite Kerja Bank Muamalat
Significant Events Work Committee of Bank Muamalat
Pembahasan Manajemen dan Halaman / Pages

Analisis
Management Discussion and Analysis
173
Divisi Corporate Secretary
Halaman / Pages Corporate Secretary Division
88 Halaman / Pages
Tinjauan Keuangan
Financial Review
200
Media Penyebaran Informasi
Halaman / Pages Information Dissemination Media
105 Tanggung Jawab Sosial

Perusahaan
Tinjauan Bisnis
Business Review Corporate Social Responsibility
112 212
Tinjauan Korporasi Sinergi Usaha dengan Kesejahteraan dan
Corporate Review Lingkungan
Halaman / Pages Synergy of Efforts by Prosperity and the Environment
Laporan Keuangan
119 Financial Highlights
Manajemen Risiko
Halaman / Pages
Risk Management
Tata Kelola Perusahaan 237
Good Corporate Governance Jaringan Muamalat
Halaman / Pages Muamalat Network
128 Halaman / Pages
Tata Kelola Perusahaan

Good Corporate Governance
372
Halaman / Pages
131
Struktur Tata Kelola Perusahaan
The Corporate Governance Structure
4 2010 Laporan Tahunan

Annual Report
IKHTISAR UTAMA
KEY FINANCIAL HIGHLIGHTS
FINANCIAL HIGHLIGHTS
IKHTISAR KEUANGAN
Dalam miliar Rupiah In IDR billion
KETERANGAN 2010 2009 2008 2007 2006 DESCRIPTION

Neraca
Total Aktiva 21.400,79 16.027,18 12.610,85 10.578,66 8.370,59 Total Assets
Total Aktiva Produktif 19.881,17 15.083,20 11.644,55 9.944,92 7.874,32 Earning Assets
Pembiayaan 15.917,69 11.428,01 10.517,86 8.618,05 6.628,09 Financing Facilities
Penempatan Surat Berharga 530,41 154,05 29,85 14,85 14,85 Securities
Penyertaan 46,71 44,91 43,51 40,22 5,66 Placement
Dana Pihak Ketiga 17.393,44 13.316,90 10.073,96 8.691,33 6.837,43 Third Party Fund
Giro 2.192,90 1.188,44 754,48 929,72 679,25 Demand Deposits
Tabungan 5.258,47 4.492,19 3.921,30 3.407,78 2.505,61 Saving Deposits
Deposito 9.942,07 7.636,27 5.398,18 4.353,83 3.652,58 Time Deposits
Total Ekuitas 1.749,16 898,03 941,09 824,92 786,44 Total Equity
Laba Rugi
Pendapatan Pengelolaan Dana oleh Revenue from Fund
1.608,14 1.517,15 1.320,90 1.165,65 1.049,31
Bank sebagai Mudharib Management as Mudharib
Hak Pihak Ketiga atas Bagi Hasil Third Parties’ Share On Return
(764,60) (821,54) (515,42) (500,15) (570,05)
Dana Syirkah Temporer Of Temporary Syirkah Funds
Hak Bagi Hasil Milik Bank 843,54 695,60 805,48 665,50 479,26 Bank’s Share in Profit Sharing
Pendapatan Operasional Lainnya-
279,70 231,15 147,13 117,87 92,17 Other Operating Revenue-Net
Bersih
Beban Operasional Lainnya (788,65) (739,14) (585,98) (570,07) (396,66) Other Operating Expenses
Laba Operasional 238,28 78,71 300,69 213,30 174,77 Income from Operation
Laba Sebelum Pajak 231,08 64,76 294,80 203,97 161,47 Income Before Tax
Laba Bersih 170,94 50,19 203,36 139,78 108,36 Net Income
Laba Bersih Per Saham (dalam Basic Earning per Share (in
122,10 61,19 247,92 170,40 132,10
satuan Rupiah) full amount IDR)
Jumlah Saham Beredar (dalam juta) 1.400,00 820,25 820,25 820,25 820,25 Share Issued (in million)
PENDAPATAN PENGELOLAAN DANA LABA OPERASIONAL LABA BERSIH

OLEH BANK SEBAGAI MUDHARIB Dalam miliar Rupiah Dalam miliar Rupiah
Dalam miliar Rupiah Income from Operation Net Income
Revenue from Fund Management as Mudharib In IDR bilion In IDR bilion
In IDR bilion
300,69
1.608,14
1.517,15
1.320,90
238,28
213,30
1.165,65
203,36
1.049,31
174,77
170,94
139,78
108,36
78,71
50,19
‘06 ‘07 ‘08 ‘09 ‘10 ‘06 ‘07 ‘08 ‘09 ‘10 ‘06 ‘07 ‘08 ‘09 ‘10

Annual Report
IKHTISAR KEUANGAN
JUMLAH AKTIVA DANA PIHAK KETIGA JUMLAH EKUITAS

Dalam miliar Rupiah Dalam miliar Rupiah Dalam miliar Rupiah
Total Assets Third Party Funds Total Equity
In IDR bilion In IDR bilion In IDR bilion
21.400,79
17.393,44
16.027,18
12.610,85
13.316,90
1.749,16
10.578,66
10.073,96
8.691,33
8.370,59
898,03
941,09
6.837,43
824,92
786,44
‘06 ‘07 ‘08 ‘09 ‘10 ‘06 ‘07 ‘08 ‘09 ‘10 ‘06 ‘07 ‘08 ‘09 ‘10
KETERANGAN 2010 2009 2008 2007 2006 DESCRIPTION

Rasio Keuangan Penting (%) Key Financial Ratio (%)
Rasio Kecukupan Modal 13,26 11,10 10,81 10,43 14,23 Capital Adequacy Ratio (CAR)
Aktiva Tetap terhadap Modal 17,45 23,29 14,53 16,08 13,59 Fixed Assets to Capital
Non Performings Earning

Aktiva Produktif Bermasalah 3,47 3,62 3,97 2,57 4,96
Assets
Non Performing Financing
Pembiayaan Bermasalah Kotor 4,32 4,73 4,33 2,96 5,76
(NPF) Gross
Non Performing Financing
Pembiayaan Bermasalah Bersih 3,51 4,10 3,85 1,33 4,84
(NPF) Nett
Allowance for Possible Losses
PPAP terhadap Aktiva Produktif 1,50 1,38 1,42 2,34 1,70 on Earning Assets to Earning
Assets
Tingkat Pengembalian Aset 1,36 0,45 2,60 2,18 2,10 Return on Assets (ROA)
Tingkat Pengembalian Ekuitas 17,78 8,03 33,14 22,35 21,99 Return on Equity (ROE)
Margin Pendapatan Bersih 5,24 5,15 7,42 7,61 6,10 Nett Income Margin (NIM)
Beban Operasional terhadap Operating Expenses to
87,38 95,50 78,94 83,38 84,69
Pendapatan Operasional (BOPO) Operating Revenues
Pembiayaan terhadap Dana Pihak Financing to Deposits Ratio

91,52 85,82 104,41 99,16 83,60
Ketiga (FDR)
Giro Wajib Minimum (GWM) 5,21 5,25 7,89 7,23 5,52 Statutory Reserves
Posisi Devisa Neto 2,33 3,79 49,00 8,56 15,88 Nett Open Position (NOP)
Persentase Pelanggaran
Batas Maksimum Pemberian 0,00 0,00 0,00 0,00 0,00 Violation of the LLL
Pembiayaan (BMPP)
Persentase Pelampauan BMPP 0,00 0,00 0,00 0,00 0,00 Lending in Excess of the LLL

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7
STOCK PERFORMANCE HIGHLIGHTS
IKHTISAR KINERJA SAHAM
Persentase
Jumlah Nominal Kepemilikan
Jumlah Saham
Modal Dasar Total Nominal Percentage of Authorized Capital
Total Shares
(Rp ) Ownership
(%)
Saham Seri A nilai nominal Rp 1.000 A Series Share Nominal IDR 1.000
106.126.382 106.126.382.000 2,84
(dalam Rupiah penuh) (full amount in IDR)
Saham Seri B nilai nominal Rp 1.000 B Series Share Nominal IDR 1.000
59.203.453 59.203.453.000 1,59
Saham Seri C nilai nominal Rp 500 C Series Share Nominal IDR 500
3.569.340.33 1.784.670.165.000 95,57
Jumlah / Total 3.734.670.165 1.950.000.000.000 100,00
Persentase
Jumlah Nominal Kepemilikan
Modal Disetor dan Jumlah Saham
Total Nominal Percentage of Issued and Fully Paid-Up Capital
Ditempatkan Penuh Total Shares
(Rp) Ownership
(%)
Saham Seri A nilai nominal Rp 1000 A Series Share Nominal IDR 1.000
106.126.382 106.126.382.000 7,58
Saham Seri B nilai nominal Rp 1.000 B Series Share Nominal IDR 1.000
59.203.453 59.203.453.000 4,23
Saham Seri C nilai nominal Rp 500 C Series Share Nominal IDR 500
1.234.674.717 617.337.358.500 88,19
Jumlah / Total 1.400.004.552 782.667.193.500 100,00
Jumlah Nominal
Jumlah Saham
Saham dalam Portepel Total Nominal Shares in Portfolio
Total Shares
(Rp)
Saham Seri A - - A Series Share
Saham Seri B - - B Series Share
Saham Seri C 2.334.665.613 1.167.332.806.500 C Series Share
Pergerakan harga saham tidak tersedia karena PT Bank Muamalat Indonesia, Tbk tidak memperjualbelikan
sahamnya di bursa.
The stock price movement is unavailable due to the fact that PT Bank Muamalat Indonesia, Tbk share is not listed
and traded in the stock market.

Annual Report
IKHTISAR KEUANGAN
DIVIDEN PER LEMBAR SAHAM

Dividend per Share
113,68
120.00
101,13 104,36
100.00 106,30
104,03
80.00
60.00
44,35
40.00
20.00
0
2003 2004 2005 2006 2007 2008
Kronologis Saham / Chronological Shares

Jumlah Saham yang
Tanggal Efektif Dikeluarkan
Keterangan Percentage of (lembar saham) Description
Ownership Percentage of
Ownership (per Share)
Penawaran Umum Saham
A. 28 Oct 1993 2.489.090 Initial Public Offering
Perdana
Penawaran Umum
Terbatas I Saham Seri B Limited Public Offering I Series B
B. 22 Jun 1998 172.504.936
dengan Hak Memesan shares with Rights Issue
Efek Terlebih Dahulu
Penambahan Modal
Additional Capital without Rights
C. Tanpa Hak memesan Efek 22 Jun 2000 400.000
Issue
Terlebih Dahulu
Penawaran Umum
Terbatas II Saham Seri C Limited Public Offering II Series C
D. 29 Oct 2002 276.975.562
dengan Hak Memesan Shares with Rights Issue
Terlebih Dahulu
Penawaran Umum
Terbatas III Saham Seri Limited Public Offering III Series C
E. 28 Apr 2005 498.743.597
C dengan Hak Memesan Shares with Rights Issue
Penawaran Umum
Terbatas IV Saham Seri Limited Public Offering IV Series C
F. 28 Jun 2010 820.251.749
C dengan Hak Memesan Shares with Rights Issue

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9
IKHTISAR KEUANGAN
SHAREHOLDINGS COMPOSITION
KOMPOSISI KEPEMILIKAN SAHAM
Komposisi Kepemilikan Saham Desember 2010

Shareholdings Composition December 2010
No. Nama Total Lembar Nilai (Rp ) %
Name Total Share Nominee (IDR)
1 Islamic Development Bank 459.492.232 242.991.925.500 32,82%
2 Boubyan Bank 349.100.562 174.550.281.000 24,94%
3 Atwill Holdings Limited 251.352.406 125.676.203.000 17,95%
4 Abdul Rohim 55.000.000 27.500.000.000 3,93%
5 IDF Foundation 48.874.078 24.437.039.000 3,49%
6 BMF Holdings Limited 48.874.078 24.437.039.000 3,49%
7 Rizal Ismael 45.000.000 22.500.000.000 3,21%
8 KOPKAPINDO 26.627.296 26.627.296.000 1,90%
9 Badan Pengelola Dana ONHI 19.990.000 19.990.000.000 1,43%
10 Masyarakat Lain 95.693.900 93.957.410.000 6,84%
Jumlah / Total 1.400.004.552 782.667.193.500 100,00%
KOMPOSISI KEPEMILIKAN SAHAM (DESEMBER 2010)

Shareholders’ Composition (December 2010)
Badan Pengelola Dana ONHI
Masyarakat Lain 1,43%
6,84% KOPKAPINDO
1,90% Rizal Ismael
3,21%
BMF Holdings Limited
3,94%
Islamic Development Bank
32,82%
IDF Foundation
3,94%
Abdul Rohim
3,93%
Atwill Holdings Limited

17,95%
Boubyan Bank
24,94%

Annual Report
SUBORDINATE MUDHARABAH SUKUK HIGHLIGHTS
IKHTISAR SUKUK SUBORDINASI MUDHARABAH
Kronologis Sukuk Subordinasi Mudharabah / Chronological Subordinated Mudharabah Sukuk

Jumlah Obligasi
Pencatatan Jumlah obligasi
Terutang
Keterangan pada Bursa Efek Tanggal Buy Back (miliar Rupiah) Jatuh Tempo
(miliar Rupiah)
Description Listing Date on Buy Back Date Size Maturity
Outstanding Sukuk
IDX (In IDR bilion)
(In IDR bilion)
Obligasi Syariah
Subordinasi I Tahun 21 Jul 2003
2003 (Bursa Efek - 200,00 15 Jul 2010 200,00
Subordinated Sharia Surabaya)
Bonds I Year 2003
Buy Back I - 5 Oct 2006 10,00 - 190,00
Buy Back II - 11 Oct 2006 4,50 - 185,50
Buy Back II - 12 Oct 2006 5,00 - 180,50
Buy Back IV - 1 Mar 2007 3,00 - 177,50
Call Option - 15 Jul 2008 177,50 - -
Sukuk Subordinasi
Mudharabah Tahun
11 Jul 2008
2008
(Bursa Efek - 314,00 10 Jul 2018 314,00
Subordinated
Indonesia)
Mudharabah Sukuk
2008
Jumlah Sukuk
Terhutang 314,00
Total Outstanding
Peringkat Sukuk Subordinasi Mudharabah 2008

Rating of Subordinated Mudharabah Sukuk 2008
Pemeringkat / Rating Agency 2010 2009 2008
PT Fitch Rating Indonesia A- (idn) A- (idn) A- (idn)

(Fitch)
Stable Outlook

Annual Report
11
IKHTISAR KEUANGAN
Ringkasan Bagi Hasil Sukuk Subordinasi Mudharabah 2008

Profit Sharing Summary of Subordinated Mudharabah Sukuk 2008
Jumlah pokok Sukuk Mudharabah Subordinasi Bank Muamalat 2008 sebesar Rp 314 miliar dengan jangka waktu 10 tahun
terhitung sejak tanggal 10 Juli 2008 dengan opsi beli pada ulang tahun ke-5 sejak tanggal emisi diterbitkan.
The principal amounts of Bank Muamalat’s Subordinated Mudharabah Sukuk 2008 is IDR 314 bilion which has 10 years term
commencing on July 10 2008 with a call option, on the fifth anniversary from the date of issuance.
Pembayaran Periode Pembayaran Bulan Pembayaran Nominal yang Dibayarkan (Rp )
Yield
Payment Payment Periods Payment Months Nominal Paid Up Amount (IDR)
I Jun, Jul, Aug 2008 Oct 2008 11.821.896.343,32 15,06%
II Sep, Oct, Nov 2008 Jan 2009 11.205.781.375,69 14,27%
III Des, Jan, Feb 2009 Apr 2009 11.297.803.991,46 14,39%
IV Mar, Apr, May 2009 Jul 2009 11.279.187.553,38 14,37%
V Jun, Jul, Aug 2009 Oct 2009 10.804.997.719,37 13,76%
VI Sep, Oct, Nov 2009 Jan 2010 10.751.364.134,48 13,70%
VII Des, Jan, Feb 2010 Apr 2010 10.326.442.678,43 13,15%
VIII Mar, Apr, May 2010 Jul 2010 10.165.046.875,15 12,95%
IX Jun, Jul, Aug 2010 Oct 2010 10.169.295.200,00 12,95%
X Sep, Oct, Nov 2010 Jan 2011 10.280.101.178,67 13,10%
TOTAL 205.923.732.921,23 13,74%

*Nisbah bagi hasil Sukuk Subordinasi Mudharabah untuk tahun ke- 1 sampai dengan tahun ke- 5 sebesar 17,17 (pemegang sukuk)
: 82,83 (bank) dan nisbah untuk tahun ke- 6 sampai dengan tahun ke- 10 sebesar 28,73 : 71,27
*Profit sharing portion of Subordinated Mudharabah Sukuk for first year until next 5 years is 17,17 (sukuk holders) : 82,83 (bank) and
the portion for the 6th year to 10th year is 28,73 : 71,27
PERBANDINGAN IMBAL HASIL SUKUK SUBORDINASI MUDHARABAH BANK MUAMALAT 2008

DENGAN RATA-RATA IMBAL HASIL OBLIGASI PEMERINTAH (FR0049)
Comparison of 2008 Bank Muamalat’s Subordinated Mudharabah Sukuk
Yield with Government Bond’s (FR0049) Average Yield
14,37%
14,39%
15.00%
13,76%
13,70%
4
15.00%
13,15%
13,10%
14.00%
13.00%
12,00%
12,00%
11,90%
12.00%
10,00%
9,75%
9,70%
9,70%
9,70%
11.00%
10.00%
Feb ‘09 May ‘09 Aug ‘09 Nov ‘09 Feb ‘10 May ‘10 Aug ‘10 Nov ‘10
Imbal Hasil Bank Muamalat Rata-rata Imbal Hasil Obligasi Pemerintah (FR0049)
Bank Muamalat’s Yield (1st Axis) Government Bond’s (FR0049)
Average Yield (2nd Axis)

Annual Report
LAPORAN MANAJEMEN
MANAGEMENT REPORT
MESSAGE FROM THE SHARIA SUPERVISORY BOARD
SAMBUTAN DEWAN PENGAWAS SYARIAH
K.H. Ma’ruf Amin

Ketua
Chairman
Assalamualaikum Warahmatullahi Wabarakatuh
Segala puji dan syukur kita panjatkan kepada Allah Praise and gratitude to Allah Subhanahu Wa Taala,
Subhanahu Wa Taala, serta salawat dan salam bagi salawat and our greetings to Muhammad the Prophet
Nabi Muhammad Shallallahu Alaihi Wasallam. Shallallahu Alaihi Wasallam.
Alhamdulillah berkat rida Allah Subhanahu Wa Taala, Alhamdulillah, we thank Allah that during 2010
selama tahun 2010, Bank Muamalat menunjukkan Bank Muamalat showed an encouraging increase
peningkatan kinerja yang menggembirakan dibanding in performance compared to the previous year. We,
tahun sebelumnya. Kami selaku Dewan Pengawas as the Sharia Supervisory Board, consider that the
Syariah menilai bahwa pelaksanaan aspek syariah implementation of sharia aspect during 2010 was in
selama tahun 2010 telah sesuai dengan kaidah yang accordance with the applicable rules.
berlaku.
Hal tersebut dikarenakan Dewan Pengawas Syariah This was due to the Sharia Supervisory Board that
selalu aktif dalam mengawasi dan memberikan is always active in supervising and giving opinions
opini aspek syariah yang dibantu oleh Departemen on sharia aspect, with the assistance of the Sharia
Sharia Compliance. Departemen ini berada di bawah Compliance Department. The Department is under
Direktorat Compliance & Risk Management dan the Directorate of Compliance and Risk Management
bertugas melakukan pengawasan praktek syariah. and its duty is to ensure the implementation of sharia.
Departemen ini secara rutin meminta pendapat kami This department routinely asks for our opinions
dan melakukan rapat bersama secara rutin dan reguler and holds joint meetings to find solutions as a way
untuk mendapatkan solusi guna mengantisipasi dan of anticipating and preventing any indication and
mencegah adanya indikasi dan potensi terjadinya potential deviation in sharia principles. Apart form this,
penyimpangan terhadap aspek syariah dalam proses Sharia Supervisory Board also holds regular internal
inovasi produk dan jasa. Selain itu, Dewan Pengawas consolidation meeting at least once a month.
Syariah juga melakukan rapat konsolidasi internal
berkala minimal satu bulan sekali.

Annual Report
STATEMENT FROM THE SHARIA SUPERVISORY BOARD
PERNYATAAN DEWAN PENGAWAS SYARIAH
SELAMA TAHUN 2010, BANK MUAMALAT MENUNJUKKAN PENINGKATAN KINERJA YANG

MENGGEMBIRAKAN DIBANDING TAHUN SEBELUMNYA DAN PELAKSANAAN ASPEK SYARIAH TELAH
SESUAI DENGAN KAIDAH YANG BERLAKU.
During 2010 Bank Muamalat showed an encouraging increase in performance compared to the previous year.
We, as the Sharia Supervisory Board, consider that the implementation of Sharia aspect during 2010 was in
accordance with the applicable rules.
Kami terus berupaya meningkatkan pengawasan We keep working to improve the supervision to
agar Bank Muamalat senantiasa melaksanakan ensure that Bank Muamalat always implements
prinsip syariah secara komprehensif dan menjadi sharia principles comprehensively, and can be the
acuan di kalangan perbankan syariah. benchmark for sharia banking industry.
Semoga prestasi yang telah diraih dapat Hopefully, all the achievements achieved can be
dipertahankan dan ditingkatkan untuk keberhasilan maintained and improved for future success.
yang akan datang.
Wassalamualaikum Warahmatullahi Wabarakatuh
K.H. Ma’ruf Amin

Ketua
Chairman

Annual Report
15
STATEMENT FROM THE SHARIA SUPERVISORY BOARD
PERNYATAAN DEWAN PENGAWAS SYARIAH
K.H. Ma’ruf Amin Prof. Dr. H. Muardi Chatib Prof. Dr. H. Umar Shihab
Ketua Anggota Anggota
Chairman Member Member

Annual Report
Dewan Pengawas Syariah Bank Muamalat dengan ini Sharia Supervisory Board hereby stated, based on our
menyatakan bahwa berdasarkan pengawasan kami observation during the First and Second Semester of
selama Semester I dan II 2010 : 2010:
t Pelaksanaan produk dan jasa yang meliputi t The implementation of products and services,
penghimpunan dan penyaluran dana telah covering the collected fund and distribution is
sesuai dengan Fatwa Dewan Syariah Nasional in accordance with the Fatwa of National Sharia
serta keputusan Dewan Pengawas Syariah Board and the decision of Sharia Supervisory
Board
t Pedoman operasional dan produk yang meliputi t The products and operational manual covering the
penghimpunan dan penyaluran dana telah sesuai collected fund and distribution is in accordance
Fatwa Dewan Syariah Nasional serta keputusan with the Fatwa of National Sharia Board and the
Dewan Pengawas Syariah decision of Sharia Supervisory Board
t Laporan keuangan perusahaan telah disusun t The Company’s financial report has been
dan disajikan sesuai dengan Prinsip Syariah arranged and presented in accordance with the
Sharia Principle.
Demikian pernyataan ini dibuat sesuai kaidah. Thus, this statement has been made in accordance
with the applicable rules.
K.H. Ma’ruf Amin Prof. Dr. H. Muardi Chatib Prof. Dr. H. Umar Shihab
Ketua Anggota Anggota
Chairman Member Member

Annual Report
17
REPORT FROM THE PRESIDENT COMMISSIONER
LAPORAN KOMISARIS UTAMA
Dr. Widigdo Sukarman

Komisaris Utama
President Commissioner
DEWAN KOMISARIS MENILAI BAHWA MANAJEMEN BANK MUAMALAT TELAH BERHASIL MENINGKATKAN
PERTUMBUHAN FINANSIAL YANG CUKUP SIGNIFIKAN DITENGAH PERSAINGAN DENGAN BERTAMBAHNYA
BEBERAPA BANK SYARIAH DI INDONESIA.
The Board of Commissioners considers the management of Bank Muamalat successfully gained significant
financial growth amidst the increasing competition from several Islamic banks in Indonesia.

Annual Report
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Pemegang Saham yang Kami Hormati, Honorable Shareholders,

Parameter pengukuran keberhasilan suatu The measurement of a company’s success can be
perusahaan dapat dinilai dari pencapaian target assessed from financial and non-financial targeted
finansial dan non-finansial yang telah ditetapkan. accomplishments being set.
Pencapaian beberapa indikator finansial yang telah The achievement of several financial indicators
diraih Bank Muamalat pada tahun 2010 erat kaitannya accomplished by Bank Muamalat in 2010 was closely
dengan kondisi makro dan mikro ekonomi di tanah related to macro and micro economic conditions in
air. Tingkat pertumbuhan ekonomi di atas 6,10% dan the country. Economic growth level at above 6,10%
stabilnya suku bunga acuan Bank Indonesia (BI Rate) and the stability of the BI rate had driven the quality
ikut mendorong peningkatan kualitas aktiva produktif improvement of productive assets that affected the
yang berpengaruh terhadap pendapatan yang Bank’s income compared to the previous year.
diterima bank dibanding tahun sebelumnya.
Dewan Komisaris menilai bahwa manajemen Bank The Board of Commissioners considers that the
Muamalat telah berhasil meningkatkan pertumbuhan management of Bank Muamalat successfully gained
finansial yang cukup signifikan ditengah persaingan significant financial growth amidst the increasing
dengan bertambahnya beberapa bank syariah di competition from several Islamic banks in Indonesia.
Indonesia. Hal ini dibuktikan dari kenaikan aset dari This is shown by the growth in assets from IDR
Rp 16.027,18 miliar menjadi Rp 21.400,79 miliar 16.027,18 billion to IDR 21.400,79 billion with the profit
dengan perolehan laba sebelum pajak sebesar Rp before tax of IDR 231,08 billion in 2010.
231,08 miliar pada tahun 2010.
Rasio keuangan pun mengalami peningkatan yakni The financial ratios also improved, with the ROA from
ROA dari 0,45% tahun 2009 menjadi 1,36% serta 0,45% in 2009 to 1,36% and in the same period ROE
ROE meningkat dari 8,03% menjadi 17,78% untuk grew from 8,03% to 17,78%. Meanwhile, the level of
periode yang sama. Sedangkan tingkat pembiayaan financing problems reflected in the Non-Performing
bermasalah yang tercermin dari Non-Performing Financing (NPF) was maintained at the level of 4,32%
Financing (NPF) dapat dijaga pada 4,32% (gross) dan (gross) and 3,51% (net) during 2010, followed by
3,51% (net) selama tahun 2010 yang diikuti dengan the strengthening of Productive Asset Allowance
penguatan Pencadangan Penyisihan Aktiva Produktif Appropriation (PPAP) as one of the risk mitigation
(PPAP) sebagai salah satu upaya mitigasi risiko yang efforts that are part of the management strategy.
merupakan bagian dari strategi manajemen.
Penambahan modal melalui mekanisme Penawaran Additional capital through the mechanism of Limited
Umum Terbatas (PUT) dengan Hak Memesan Efek Public Offering (LPO) with Preemptive Rights IV of IDR
Terlebih Dahulu (HMETD) IV sebesar Rp 673 miliar 673 billion had strengthened Bank Muamalat’s capital
telah memperkuat modal Bank Muamalat menjadi Rp to IDR 2.080,10 billon and Capital Adequacy Ratio
2.080,10 miliar dan Capital Adequacy Ratio (CAR) (CAR) of 13,26% as end of December 2010.
13,26% per akhir Desember 2010.

Annual Report
19
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Peningkatan performa fungsi intermediasi dengan The increase in intermediary functions performance
Financing to Deposit Ratio (FDR) sebesar 91,52% with Financing to Deposit Ratio (FDR) of 91,52%
yang ikut berkontribusi terhadap pertumbuhan contributed to national economic growth.
ekonomi nasional.
Manajemen telah berhasil melakukan berbagai The management has successfully implemented
upaya untuk meningkatkan pertumbuhan Dana Pihak various efforts to increase the Third Party Funds
Ketiga (DPK), kualitas portofolio, efisiensi biaya, dan (TPF), portfolio quality, cost efficiency and revenue.
pendapatan. Faktor penting lain yang harus terus Other important factors needing improvements are
ditingkatkan adalah penguatan teknologi informasi, the strengthening of information technology, network
optimalisasi jaringan, dan pelayanan yang prima optimization and service excellence in order to spur
guna memacu pertumbuhan bisnis yang semakin quality growth.
baik dan berkualitas.
Strategi bisnis yang dilakukan oleh manajemen The business strategies implemented by management
selama 2010 telah memenuhi kaidah good corporate during 2010 fulfilled the rules of good corporate
governance, compliance, dan risk management. Hal governance, compliance and risk management.
ini terindikasi dari adanya rencana dan praktek bisnis This was indicated by the business planning and
yang sesuai dengan ketentuan, prinsip syariah, dan practices that are implemented in accordance with
prinsip kehati-hatian (prudential banking). the provisions of legislation, the principles of sharia
and prudence banking.
Bank Muamalat telah memiliki komite-komite seperti Bank Muamalat has already established committees
yang dipersyaratkan Peraturan Bank Indonesia Nomor as required in Bank Indonesia Regulation Number
11/33/PBI/2009 tentang Pelaksanaan Good Corporate 113/33/PBI/2009 on the Implementation of Good
Governance (GCG) yang bertanggung jawab kepada Corporate Governance (GCG) with the direct
Dewan Komisaris. Komite Audit bertanggung jawab report to the Board of Commissioners. The Audit
untuk memastikan bahwa Dewan Komisaris dapat Committee is responsible for ensuring that the Board
memperoleh informasi seputar kinerja dan kondisi of Commissioners can obtain information regarding
bank secara transparan. the performance and condition of the Bank in a
transparent manner.
Komite Pemantau Risiko berfungsi menjadi penyedia The Risk Monitoring Committee functions as
informasi terkait penerapan manajemen risiko, serta information provider related to the implementation of
peran Komite Nominasi dan Remunerasi yang terlibat risk management, and also the role of Nomination and
aktif dalam hal nominasi dan remunerasi manajemen Remuneration Committee which is actively involved
dan karyawan. Komite tersebut telah berfungsi in the nomination and remuneration for management
sesuai struktur bank berdasarkan kebutuhan dan and employees. The committees have functioned
ketentuan. Selain itu Bank Muamalat pun telah according to the Bank’s structure based on the
menyiapkan infrastruktur yang diperlukan dalam needs and regulations. In addition, Bank Muamalat
rangka implementasi Basel II sesuai ketentuan Bank has prepared the necessary infrastructure for the
Indonesia. implementation of Basel II according to the regulation
of Bank Indonesia.

Annual Report
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Untuk memenuhi kebutuhan organisasi telah To meet the organization’s needs, Hendiarto has
bergabung Hendiarto selaku Direktur Keuangan joined as Director of Finance and Operations effective
dan Operasional terhitung sejak 21 September 2010 on 21 September 2010 based on the decision of the
yang disahkan berdasarkan keputusan Rapat Umum Extraordinary General Meeting of Shareholders on 28
Pemegang Saham Luar Biasa pada tanggal 28 Juni June 2010.
2010.
Dengan semangat, komitmen, dukungan, dan With enthusiasm, commitment, support and
kerja sama segenap pemangku kepentingan cooperation of all stakeholders, Bank Muamalat is
(stakeholders), maka Bank Muamalat berkomitmen committed to be the best modern sharia Banking.
menjadi bank syariah modern dan terbaik.
Kami percaya bahwa manajemen Bank Muamalat We believe that the management of Bank Muamalat is
dapat meningkatkan kinerjanya pada tahun 2011 able to continuously improve its performance in 2011
untuk mewujudkan pertumbuhan yang berkelanjutan to achieve sustainable growth in accordance with the
(sustainable growth) sesuai dengan visi dan misi vision and mission of the Company.
perusahaan.
Dr. Widigdo Sukarman


Annual Report
21
REPORT FROM THE PRESIDENT DIRECTOR
LAPORAN DIREKTUR UTAMA
Ir. Arviyan Arifin

Direktur Utama
President Director
HAMPIR SEMUA INDIKATOR YANG MENJADI TARGET TAHUN 2010 BISA TERCAPAI. HAL INI TERLIHAT DARI
PERTUMBUHAN ASET, DANA PIHAK KETIGA, DAN PEMBIAYAAN YANG MENINGKAT MASING-MASING SEBESAR
33,53%, 30,61% DAN 39,29% MENJADI RP 21.400,79 MILIAR, RP 17.393,44 MILIAR, DAN RP 15.917,69 MILIAR.
Almost all indicators targeted in 2010 was achieved. This is shown from the growth of asset, third party funds, and
financing that increased 33,35%, 30,61% and 39,29% respectively to IDR 21.400,79 billion, IDR 17.393,44 billion
and IDR 15.917,69 billion respectively.

Annual Report
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Pemegang Saham yang Terhormat, Honorable Shareholders,

Tiada yang terucap selain ungkapan syukur kepada There is nothing to be said except gratitude to Allah
Allah SWT yang senantiasa mencurahkan rahmat- SWT for all the blessings that enable us to pass the year
Nya, sehingga kita dapat melalui tahun 2010 dengan 2010 with encouraging achievement. Alhamdulillah,
hasil yang menggembirakan. Alhamdulillah, sebagian most of Bank Muamalat’s business targets have been
besar target bisnis Bank Muamalat dapat dicapai accomplished on account of the spirit and hard work
berkat semangat juang, dan kerja keras kita dalam in realizing our common expectations.
mewujudkan harapan bersama.
Hasil yang telah diperoleh selama tahun 2010 tak All the accomplishments that were gained in
luput dari kondisi perekonomian nasional dan global, 2010 were closely related to national and global
serta industri perbankan nasional yang disikapi oleh economic condition, as well as the national banking
Bank Muamalat dengan terus memperkokoh fondasi industry addressed by Bank Muamalat by means of
bisnis yang telah dimulai sejak tahun sebelumnya. strengthening the business foundation that has been
Hal ini merupakan bagian dari kelanjutan transformasi commenced since the previous year. This is part of
untuk menciptakan kinerja yang lebih baik dimasa the continued transformation toward creating better
mendatang. performance in the future.
Kondisi Makro Ekonomi dan Macro Economic Condition and Banking

Pertumbuhan Industri Perbankan Industry Growth
Perekonomian dunia yang mengalami perbaikan The improvement of global economy in 2010 generated
pada awal tahun 2010 telah menimbulkan optimisme optimism of the improved economic condition after
kian membaiknya kondisi perekonomian pasca the global financial crisis in 2008. This also led to the
krisis finansial global tahun 2008. Hal ini berimbas impact conducive to Indonesia’s economic condition
pada semakin kondusifnya kondisi perekonomian in 2010, that overall, grew better compared with the
Indonesia tahun 2010 yang secara keseluruhan previous year. The growth reached 6,1%, higher than
tumbuh lebih baik dibandingkan tahun sebelumnya. 4,5% in 2009. However, the growth was still followed
Pertumbuhannya tercatat sebesar 6,1%, lebih tinggi by high inflation rate that reached 6,96% exceeding
dibandingkan tahun 2009 yang hanya sebesar 4,5%. the inflation target of 5,1%.
Namun pertumbuhan tersebut masih diiringi oleh
tingkat inflasi yang tinggi mencapai 6,96%, lebih
tinggi dari target inflasi yaitu 5,1%.

Annual Report
23
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Pertumbuhan ekonomi dan indikator moneter The economic growth and the monetary indicator
selama 2010 yang bergerak positif telah mendorong which positively shifted during 2010 had boosted the
tumbuhnya industri perbankan di Indonesia, termasuk banking industry growth in Indonesia, including sharia
perbankan syariah. Hal ini tercermin dari meningkatnya banking. This is reflected from the increased asset
aset industri perbankan Indonesia tahun 2010 yang of Indonesia’s banking industry in 2010 of 18,73% or
mencapai 18,73% atau tumbuh dari Rp 2.534 triliun di increased from IDR 2.534 trillion in 2009 to IDR 3.009
tahun 2009 menjadi Rp 3.009 triliun di 2010. trillion in 2010.
Seiring dengan tumbuhnya industri perbankan Along with the growth of national banking industry, in
nasional, pada tahun 2010 perbankan syariah juga 2010 the sharia banking also carved its achievement
menorehkan prestasinya dengan pertumbuhan aset by asset growth that reached 47% to IDR 100,26
mencapai 47%, sehingga menjadi sebesar Rp 100,26 trillion, consisting of Sharia Banks and Sharia
triliun yang terdiri dari aset bank umum syariah dan Business Units’ asset of IDR 97,52 trillion and sharia
unit usaha syariah sebesar Rp 97,52 triliun, serta Bank Rural Banks (Bank Perkreditan Rakyat Syariah/BPRS)
Perkreditan Rakyat Syariah (BPRS) sebesar Rp 2,74 of IDR 2,74 trillion. Apart from the assets, the banking
triliun. Tidak hanya dari sisi aset, industri perbankan industry also shows its encouraging intermediary
juga menunjukkan fungsi intermediasi yang semakin function with the improved fund distribution quality
menggembirakan dengan kualitas penyaluran dana and stronger capital.
yang lebih baik dan permodalan yang kuat.
Pertumbuhan tersebut menjadi tanda awal dari era The growth has marked the beginning of sharia
pengembangan perbankan syariah di Tanah Air. banking development era in Indonesia. With 5 new
Dengan berdirinya 5 bank umum syariah baru pada sharia full banks established in 2010, there are now 11
tahun 2010, maka jumlah pemain dalam industri Sharia Full Banks and 23 Sharia Business Units. The
perbankan syariah bertambah menjadi 11 Bank Umum presence of the five sharia banks has also driven the
Syariah (BUS) dan 23 Unit Usaha Syariah (UUS). competition level in the industry which in the end will
Kelima BUS tersebut ikut mendorong tingkat kompetisi impact the society and sharia banking development.
industri, yang pada akhirnya akan berdampak kepada
masyarakat dan kemajuan perbankan syariah.
Pangsa pasar perbankan syariah yang saat ini masih Sharia banking market share is still around 3%,
berkisar 3%, memberikan kesempatan kepada pelaku generating opportunity for sharia banking industry
industri perbankan syariah untuk bersinergi satu sama players to synergize with each other to collectively
lain merebut 97% pangsa pasar secara kolektif yang grab 97% market share which is still wide open, thus
masih terbuka lebar, sehingga menuntut perbankan demanding sharia banking to keep innovating so as to
syariah untuk terus berinovatif memberikan pelayanan give the best service and expand its network.
terbaik dan memperluas jaringan.

Annual Report
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Kinerja Bank Muamalat Bank Muamalat Performance

Alhamdulillah, kinerja Bank Muamalat selama tahun Alhamdulillah, Bank Muamalat performed well
2010 menunjukkan hasil yang baik. Hampir semua throughout 2010. Almost every targeted indicator
indikator yang menjadi target tahun 2010 bisa in 2010 was achieved. This is shown from the asset
tercapai Hal ini terlihat dari pertumbuhan aset yang growth of 33,53% from IDR 16.027,18 billion in 2009 to
meningkat hingga 33,53% dari Rp 16.027,18 miliar IDR 21.400,79 billion.
(2009) menjadi Rp 21.400,79 miliar.
Sejumlah kinerja positif yang telah dicapai Bank Several positive performances achieved by Bank
Muamalat merupakan hasil dari implementasi Muamalat were the result of the implementation of
sejumlah strategi bisnis selama tahun 2010 seperti several business strategies during 2010, such as
peningkatan infrastruktur berupa penambahan ATM infrastructure improvement in the form of additional
dengan berbagai fitur, jaringan kantor cabang, serta ATM units with various features, branch office network
peningkatan kapasitas layanan teknologi informasi. and capacity enhancement of information technology
Selama periode ini telah dilakukan beberapa service. During this period, some improvements were
peningkatan seperti penambahan ATM dari 22 unit achieved, among others were the addition of ATMs
menjadi 172 unit ATM, jaringan kantor layanan dari from 22 units to 172 units, branch office network from
sebelumnya berjumlah 286 menjadi 367 kantor 286 offices to 367 offices spread throughout Indonesia
layanan yang tersebar di seluruh Indonesia dan and one branch in Kuala Lumpur, Malaysia.
kantor cabang di Kuala Lumpur, Malaysia.
Inisiatif lain yang telah dilakukan perseroan selama Other initiative conducted by the Company during
2010 adalah penguatan dan pengembangan brand 2010 was product brand strengthening and
produk dengan dengan terus mempertajam fokus development by continuously sharpening service
pelayanan untuk segmen corporate, retail, dan focus on corporate segment, retail and international
international banking. banking.
Terobosan retail banking ditandai dengan pengemasan Retail banking breakthrough was marked by product
produk (product repackaging) terhadap beberapa repackaging on several savings products with
produk tabungan dengan fitur tambahan yang lebih additional features that provide more benefit. Besides
bermanfaat. Selain brand berbasis co-branding, pada co-branding based brand, in 2009 Bank Muamalat
tahun 2009 Bank Muamalat hanya memiliki 5 brand only had 5 main product brands namely Ummat
produk utama yaitu Tabungan Ummat, Tabungan savings, Shar-e savings, Hajj Arafah Savings, Fulinves
Shar-e, Tabungan Haji Arafah, Deposito Fulinves, Deposit and Baiti Jannati Sharia Housing. Based on
dan KPR Syariah Baiti Jannati. Berdasarkan hasil the results from research and development, Bank
penelitian serta pengembangan yang telah dilakukan, Muamalat has successfully re-launched 10 products.
maka selama tahun 2010 telah berhasil melaksanakan
peluncuran ulang 10 produk.

Annual Report
25
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Untuk mendorong pertumbuhan penjualan beberapa To boost the sales growth, several efforts have been
upaya telah dilakukan antara lain peningkatan made, among others was the enhancement in sales
kuantitas dan kualitas tim penjualan berupa team’s quality and quantity such as increasing the
penambahan jumlah tenaga penjual, perbaikan sales number of salespeople, strategic sales improvement,
strategy dan sales management, penerapan standar new service standard implementation and conducting
layanan baru serta melakukan program promosi yang promotional programs that are suited to the target
sesuai dengan target market yang disasar. Program market. The result of the promotional program titled
promosi yang dinamakan “Muamalat Berbagi Rezeki“ “Muamalat Berbagi Rezeki” can boost business
hasilnya dapat meningkatkan volume bisnis dan volume and enhance brand awareness.
peningkatan brand awareness.
Corporate Banking memasuki segmen usaha Corporate Banking has penetrated medium-scale
korporasi menengah. Sektor usaha yang dibidik business segment. The targeted business sector is
bersifat selektif, sehingga risikonya relatif terkendali. selective, therefore the risk is relatively negligible. The
Pemberian pembiayaan dilakukan secara mandiri financing is provided independently or by means of
atau sindikasi. Strategi yang dilakukan telah syndication. The strategy has improved the portfolio
membuat kualitas portofolio membaik. Hal ini terlihat quality. This is shown from the Non-Performing
dari perolehan Non-Performing Financing (NPF) Nett Financing (NPF) Net which decreased from 4,10% in
yang pada tahun 2009 sebesar 4,10% dan menurun 2009 to 3,51% in 2010.
menjadi 3,51% tahun 2010.
Untuk bisnis di financial institution & international As for the business in financial institution & international
banking, fokus pengembangan terletak pada banking, the focus lies on public sector funding,
penghimpunan dana dari sektor publik, lembaga government and private institution, including funding
pemerintah, dan swasta, termasuk program program in foreign exchange through empowering the
penghimpunan dana dalam valuta asing melalui overseas branch office in Kuala Lumpur, Malaysia. The
pemberdayaan kantor cabang luar negeri di Kuala financing activity is delivered by means of channeling
Lumpur, Malaysia. Aktivitas financing dilakukan melalui program through affiliated or non-affiliated companies
program channeling melalui perusahaan afiliasi dan where one of the schemes is in the form of joint
non-afiliasi yang salah satu skemanya berbentuk financing. The channeling model through financing
joint financing. Model channeling melalui perusahaan companies is conducted by cooperating with several
pembiayaan dilaksanakan dengan menggandeng Sharia Rural Banks.
sejumlah Bank Pembiayaan Rakyat Syariah (BPRS).
Selain itu, selama tahun 2010 Bank Muamalat juga Besides that, during 2010 Bank Muamalat was
aktif memanfaatkan peluang bisnis melalui portofolio actively utilizing business opportunity through bonds
investasi pada surat berharga hingga menyentuh investment portfolio that reached IDR 530 billion. The
Rp 530 miliar. Komposisi penempatan pada sukuk placement composition on state sukuk was 95% and
negara sebesar 95% dan sisanya dalam sukuk the rest was on corporate sukuk.
korporat.
Semua inisiatif bisnis yang dijalankan merupakan All the implemented business initiatives are the
wujud dari upaya untuk mempertajam fokus bisnis realization of efforts to sharpen business focus
guna memacu kinerja yang lebih baik dalam toward accelerating better performance in the face of
menghadapi persaingan industri yang semakin increased industry competition.
kompetitif.

Annual Report
MANAGEMENT REPORT
LAPORAN MANAJEMEN
SEMUA INISIATIF BISNIS YANG DIJALANKAN MERUPAKAN WUJUD DARI UPAYA UNTUK MEMPERTAJAM
FOKUS BISNIS GUNA MEMACU KINERJA YANG LEBIH BAIK DALAM MENGHADAPI PERSAINGAN INDUSTRI
YANG SEMAKIN KOMPETITIF.
All the implemented business initiatives are the realization of efforts to sharpen business focus toward accelerating
better performance in the face of increased industry competition.
Aksi Korporasi Corporate Action

Bank Muamalat terus melakukan berbagai perbaikan Bank Muamalat continues to deliver various
selama tahun 2010 melalui konsolidasi internal guna improvements in 2010 through internal consolidation
menyiapkan ekspansi bisnis yang akseleratif dimasa in order to prepare accelerated business expansion
mendatang. Salah satunya memperkuat struktur in the future. One of them is by strengthening capital
modal melalui mekanisme Rights Issue yang dilakukan structure through Rights Issue conducted in 2010.
tahun 2010.
Pemantapan struktur modal dilakukan dengan The capital structure strengthening was carried out
menawarkan Saham Seri C sebanyak 820.251.749 by the sale of C-Series share of 820.251.749 shares
lembar saham dengan harga penawaran Rp 1.161,00 valued at IDR 1.161,00 each through Limited Public
per lembar saham melalui proses Penawaran Umum Offering (LPO) IV with Rights Issue. Additional
Terbatas (PUT) IV dengan Hak Memesan Efek Terlebih capital through Rights Issue mechanism gave Bank
Dahulu (HMETD) atau Rights Issue. Penambahan Muamalat an additional IDR 673 billion additional
modal melalui mekanisme Rights Issue tersebut telah capital, thus the core and additional capital by the
menambah modal Bank Muamalat sebesar Rp 673 end of December 2010 was IDR 2.127,28 billion. The
miliar, sehingga total modal inti dan modal pelengkap result of Rights Issue in the year 2010 was the biggest
per akhir Desember 2010 menjadi Rp 2.127,28 additional capital in the history of Bank Muamalat.
miliar. Hasil Rights Issue tahun 2010 ini merupakan
penambahan modal terbesar sepanjang berdirinya
Bank Muamalat.
Melalui pelaksanaan Rights Issue tersebut, Bank With the Rights Issue, Bank Muamalat gained high
Muamalat memiliki dukungan permodalan yang capital support and has successfully improved its
cukup tinggi dan berhasil meningkatkan performanya. performance. The capital injection has increased the
Penambahan modal tersebut meningkatkan Rasio Capital Adequacy Ratio (CAR) from 11,10% in 2009 to
Kecukupan Modal atau Capital Adequacy Ratio almost 15% after the Rights Issue IV while supporting
(CAR) dari 11,10% tahun 2009 menjadi sekitar 15% the fund distribution expansion. The capital utilization
pasca pelaksanaan Rights Issue IV serta mendukung until end of 2010 was well-endeavored and took CAR
ekspansi penyaluran dana. Penggunaan modal to the level of 13,26%. The additional capital was
hingga akhir 2010 telah diupayakan secara baik also utilized for infrastructure strengthening, services
dan membawa CAR pada level 13,26%. Tambahan and network, as well as the company’s information
modal juga digunakan untuk penguatan infrastruktur, technology development.
layanan dan jaringan, serta pengembangan teknologi
informasi perusahaan.

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27
MANAGEMENT REPORT
LAPORAN MANAJEMEN
Kinerja Keuangan Financial Performance

Selain aset yang meningkat hingga 33,53%, Besides the increasing asset to 33,53%, Bank
Bank Muamalat berhasil mencatat kenaikan laba Muamalat also successfully posted a significant
operasional yang sangat signifikan pada tahun 2010 increase of operational profit in 2010 of IDR 238,28
yaitu sebesar Rp 238,28 miliar atau naik 202,74% billion or increased 202,74% compared to the 2009
dibandingkan perolehan tahun 2009 yang hanya Rp achievement which only reached IDR 78,71 billion.
78,71 miliar. Peningkatan tersebut disebabkan oleh The increase was due to the high growth in financing
pertumbuhan yang cukup tinggi pada portofolio portfolio that led to the increase in marginal revenue
pembiayaan yang berdampak terhadap kenaikan and bigger profit share compared to the previous year.
pendapatan margin dan bagi hasil yang cukup besar
dibandingkan tahun sebelumnya.
Pembiayaan yang disalurkan mengalami peningkatan The distributed financing experienced an increase
sebesar 39,29% dari Rp 11.428,01 miliar tahun of 39,29% from IDR 11.428,01 billion in 2009 to IDR
2009 menjadi Rp 15.917,69 miliar saat tahun 2010. 15.917,69 billion in 2010. While the Third Party Fund
Sedangkan Dana Pihak Ketiga (DPK) meningkat dari (TPF) increased from IDR 13.316,90 billion to IDR
Rp 13.316,90 miliar menjadi Rp 17.393,44 miliar pada 17.393,44 billion in the same period or increased
periode yang sama atau meningkat 30,61%. 30,61%.
Kemampuan rentabilitas Bank Muamalat juga cukup Bank Muamalat’s rentability is quite good, as indicated
baik. Hal tersebut diindikasikan oleh Net Operating by Net Operating Margin (NOM) or Net Income Margin
Margin (NOM) atau Net Income Margin (NIM) sebesar (NIM) of 5,24% or above the level of 3% targeted by
5,24% atau berada di atas level yang diharapkan Bank Bank Indonesia, so the Bank has enough space to
Indonesia sebesar 3%, sehingga bank memiliki ruang absorb the potential loss it might have to face.
untuk menyerap potensi kerugian yang dihadapi.
Selain itu, Return on Assets (ROA) tahun 2010 In addition, the Return on Assets (ROA) in 2010 was in
berada pada posisi yang cukup baik, yaitu 1,36% a good position with an increase of 1,36%, compared
naik dari 0,45% tahun 2009. Hal ini disebabkan oleh to 0,45% in 2009. This was due to the large increase
peningkatan pendapatan yang cukup besar pada in 2010 revenue. The Return on Equity (ROE) also
tahun 2010. Begitu pula Return on Equity (ROE) increased from 8,03% in 2009 to 17,78% in 2010.
mengalami peningkatan dari 8,03% tahun 2009
menjadi 17,78% tahun 2010.

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Sumber Daya Manusia Human Resources

Sumber Daya Manusia (SDM) merupakan faktor Human Resources (HR) is the key factor implementing
kunci dalam mengimplementasikan strategi bisnis. business strategy. Therefore, in 2010, Bank Muamalat
Untuk itu pada tahun 2010, Bank Muamalat bekerja collaborated with several consultants to build
sama dengan beberapa konsultan untuk membangun integrated and phased HR system. The development
sistem SDM secara terpadu dan bertahap. is referring to the organization’s needs in order to
Pengembangannya mengacu pada kebutuhan prepare human capital-oriented quality and quantity.
organisasi dalam rangka menyiapkan kualitas dan
kuantitas yang berorientasi human capital.
Pada Desember 2010, langkah pertama kebijakan In December 2010, the first step of the new policy
baru dimulai dengan mengubah job grading was taken by reforming the employees’ job grading.
karyawan. Sedangkan skema remunerasi baru dan Meanwhile, the new remuneration scheme and other
kebijakan lain akan dilaksanakan secara bertahap policies will be gradually implemented in 2011.
pada tahun 2011.
Total SDM Bank Muamalat tahun 2010 mencapai The total number of Bank Muamalat’s HR in 2010 was
2.965 orang yang terdiri dari 2.946 karyawan dan 19 2.965 personnel consisting of 2.946 employees and
orang pengurus (Dewan Komisaris, Dewan Pengawas 19 managing staff (of the Board of Commissioners,
Syariah, Direksi, dan anggota independen komite- the Board of Directors, Sharia Supervisory Board
komite). Jumlah tersebut di luar karyawan borongan and members of independent committees). That total
(Non Banking Staff) sebanyak 1.366 orang yang number excludes 1.366 personnel of Non-Banking
pengelolaannya dilakukan melalui kerja sama dengan Staff which the management contracted to third parties.
pihak ketiga. Jumlah ini mengalami kenaikan sebesar The number increased 41,39% compared to 2009 of
41,39% dibanding tahun 2009 yang berjumlah 2.097 2.097 personnel comprised of 2.083 employees and
orang terdiri dari 2.083 karyawan dan 14 orang 14 managing staff (of the Board of Commissioners,
pengurus (Dewan Komisaris, Dewan Pengawas the Board of Directors, Sharia Supervisory Board and
Syariah, Direksi, dan anggota independen komite- members of independent committees) in addition to
komite) selain karyawan borongan (Non Banking the 1.053 personnel of Non-Banking Staff.
Staff) yang berjumlah 1.053 orang.
Kebijakan pengalihan karyawan outsourcing telah The policy of converting outsourced employees was
berhasil dilaksanakan, sehingga pada tahun 2010 successfully implemented, so in 2010 there were only
hanya terdapat 251 orang (8,52%) tenaga outsourcing 251 (8,52%) outsourced employees compared to the
dibanding tahun sebelumnya sebanyak 1.324 orang previous year when there were 1.324 outsourced staff
(63,56%) dari jumlah karyawan. which is 63,56% from the total number of employees.

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Penerapan Tata Kelola Perusahaan Good Corporate Governance

Sebagaimana tahun sebelumnya penerapan Good Implementation
Corporate Governance (GCG) oleh Bank Muamalat As in previous year, the implementation of Good
selalu berpedoman kepada ketentuan dan peraturan Corporate Governance (GCG) by Bank Muamalat is
perundang-undangan yang berlaku, ketentuan always guided by the applicable rules and regulations,
internal (Panduan GCG & Board Manual) dan Board Manual GCG internal provisions, and the
Anggaran Dasar Perusahaan, yaitu : Articles of Association of Bank Muamalat, which are:
1. Undang-Undang Republik Indonesia Nomor 40 1. The Law of Republic of Indonesia No.40 year
Tahun 2007 tentang Perseroan Terbatas 2007 on Company
2. Undang-Undang Republik Indonesia Nomor 21 2. The Law of Republic of Indonesia No.21 year
Tahun 2008 tentang Perbankan Syariah 2008 on Sharia Banking
3. Peraturan Bank Indonesia Nomor 11/3/PBI/2009 3. The Regulation of Bank Indonesia No. 11/3/
mengenai Bank Umum Syariah PBI/2009 on Sharia Commercial Bank
4. Peraturan Bank Indonesia (PBI) Nomor 11/25/ 4. The Regulation of Bank Indonesia No. 11/25/
PBI/2009 tentang perubahan PBI Nomor 5/8/ PBI/2009 on the adjustment of the Regulation
PBI/2003 mengenai Implementasi Manajamen of Bank Indonesia No.5/8/PBI/2003 on The
Risiko pada Bank Umum Implementation of Risk Management in
Commercial Bank
5. Peraturan Bank Indonesia Nomor 11/28/PBI/2009 5. The Regulation of Bank Indonesia No.11/28/
tentang Penerapan Anti Pencucian Uang (APU) & PBI/2009 on The Application of Anti-Money
Pencegahan Pendanaan Terorisme (PPT) Laundering (AML) & Prevention of Terrorism
Funding (PTF).
6. Anggaran Dasar PT Bank Muamalat Indonesia, 6. The Articles of Association of PT Bank Muamalat
Tbk beserta perubahannya Tbk along and consequent addendums
7. Board Manual PT Bank Muamalat Indonesia, Tbk 7. Board Manual of PT Bank Muamalat Indonesia,
Tbk
8. Kebijakan dan Prosedur Kepatuhan Bank 8. Bank Muamalat’s Policy and Procedures of
Muamalat Compliance
9. Pedoman Pelaksanaan Penerapan APU & PPT 9. Bank Muamalat’s Guidance on The Application of
Bank Muamalat AML & PTF implementation

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Berdasarkan ketentuan di atas, maka Direksi telah Based on those provisions, the Board of Directors
mengambil beberapa langkah yang diperlukan has taken several needed steps regarding to the
guna terselenggaranya pengelolaan bank secara implementation of good management of the Bank by
baik dengan menganut prinsip Good Corporate means of complying with Good Corporate Governance
Governance yaitu : principles, which are :
- Transparansi : yakni keterbukaan dalam - Transparency : is the openness in delivering

mengemukakan informasi yang material dan material and relevant information, as well as
relevan, serta keterbukaan dalam proses openness in the decision making process. This
pengambilan keputusan. Hal ini diwujudkan antara is realized by, among others, announcing the
lain dengan mengumumkan Laporan Keuangan Published Financial Report and Annual Financial
Publikasi dan Laporan Keuangan Tahunan serta Report as well as the results of Annual General
hasil Rapat Umum Pemegang Saham Tahunan/ Meeting of Shareholders/Extraordinary General
Luar Biasa dalam surat kabar berskala nasional Meeting of Shareholders in national newspapers
dan melalui website Bank Muamalat dengan and through Bank Muamalat’s website, at http://
alamat http//www.muamalatbank.com www.muamalatbank.com
- Akuntabilitas : adalah kejelasan fungsi dan - Accountability : is the clear definition of bank
pelaksanaan pertanggungjawaban organ bank organ’s function and accountability (Board of
(Dewan Komisaris, Direksi, dan Dewan Pengawas Commissioners, Board of Directors and Sharia
Syariah), sehingga pengelolaannya berjalan Supervisory Board) so that the management runs
secara efektif. Hal ini tercermin antara lain dengan effectively. This is shown, among others, in the
adanya segregation of duty yang jelas antara clear segregation of duties among the Board of
Dewan Komisaris, Direksi, dan Dewan Pengawas Commissioners, Board of Directors and Sharia
Syariah sebagaimana tercantum dalam Anggaran Supervisory Board as stated in the Article of
Dasar, Panduan GCG dan Board Manual Bank Association and Bank Muamalat’s Board Manual
Muamalat GCG.
- Pertanggungjawaban (responsibility) : yaitu - Responsibility : is the Bank management’s

kesesuaian pengelolaan bank dengan peraturan compliance with regulating laws and healthy
perundang-undangan yang berlaku dan prinsip bank management principle. This is shown
pengelolaan bank yang sehat. Hal ini tercermin from various reports which are required to be
dari berbagai laporan yang wajib disampaikan submitted by each of the Company’s organ and
oleh masing-masing organ perusahaan dan commitment fulfillment to regulators and Bank
pemenuhan komitmen kepada regulator serta Muamalat’s Shareholders.
pemegang saham Bank Muamalat
- Profesional : memiliki kompetensi, mampu - Professionalism: competent, able to act

bertindak objektif, bebas pengaruh dan tekanan objectively, free from influence and intimidation
dari pihak manapun, serta memiliki komitmen from any parties as well as holding high
yang tinggi untuk mengembangkan bank syariah commitment to developing sharia bank.
- Kewajaran (fairness) : merupakan keadilan - Fairness : is justice and equality in fulfilling all
dan kesetaraan dalam memenuhi segenap the rights of stakeholders in accordance with
hak stakeholders berdasarkan perjanjian dan the agreement and applicable regulations. This
peraturan perundang-undangan yang berlaku. is realized by the existence of Independent

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Hal ini diwujudkan dengan adanya Komisaris Commissioners and Independent parties which
Independen dan Pihak Independen yang assist the Board of Commissioners’ .
membantu tugas Dewan Komisaris.
Berdasarkan hasil Perhitungan Nilai Komposit Self Based on the Self Assessment Composite Value on
Assessment terhadap pelaksanaan GCG tahun the GCG implementation in 2010, Bank Muamalat’s
2010, maka kategori/peringkat implementasi GCG GCG implementation the first grade with Excellent
Bank Muamalat termasuk peringkat pertama dengan predicate or Very Compliant with the composite value
predikat Sangat Baik atau Sangat Sesuai dengan criteria/indicator of 1,4 (one point four) or < 1,5
kriteria/indikator nilai komposit 1,4 (satu koma empat)
atau < 1,5.
Pengelolaan Risiko Risk Management

Sebelum tahun 2010 Bank Muamalat menerapkan Before 2010 Bank Muamalat implemented risk
manajemen risiko dengan membentuk Satuan Kerja management by establishing Risk Management Work
Manajemen Risiko yang melakukan pengelolaan risiko Unit that conducts the financing risk management,
pembiayaan, risiko operasional, risiko pasar, risiko operational risk, market risk, liquidity risk, strategy
likuiditas, risiko stratejik, risiko hukum, risiko reputasi, risk, legal risk, reputation risk and compliance risk.
dan risiko kepatuhan.
Proses identifikasi risiko diterapkan dengan The risk identification process is applied by conducting
melakukan analisis terhadap karakteristik risiko analysis on the risk characteristics attached to the
yang melekat pada bank mencakupi risiko produk Bank including product risk and operational activity.
dan kegiatan usaha. Untuk pengukuran risiko, For risk measurement, Bank Muamalat conducts
Bank Muamalat melakukan evaluasi secara berkala periodical evaluation on assumption suitability, data
terhadap kesesuaian asumsi, sumber data, serta source and the procedure to measure the risk and
prosedur yang digunakan untuk mengukur risiko completion to risk measurement system, should
dan penyempurnaan terhadap sistem pengukuran there be any changes in business activity, product,
risiko jika terjadi perubahan kegiatan usaha, produk, transaction and material risk factor.
transaksi, dan faktor risiko yang bersifat material.
Upaya pemantauan risiko dilakukan melalui evaluasi The effort on risk monitoring is made through evaluation
terhadap eksposur risiko serta penyempurnaan on risk exposure as well as the enhancement in
proses pelaporan bila terdapat perubahan kegiatan reporting process, should there be any changes in
usaha, produk, transaksi, faktor risiko, teknologi business activity, product, transaction, risk factor,
informasi, dan sistem informasi manajemen risiko information technology and material risk management
yang bersifat material. information system.
Dengan struktur organisasi Bank Muamalat yang With Bank Muamalat’s new organizational structure
baru sejak Oktober 2010, maka fungsi dan proses effective since 2010, the function and risk management
manajemen risiko dijalankan oleh Risk Management process is now run by the Risk Management Division
Division yang berada dibawah supervisi Direktur which serves under the supervision of Compliance
Kepatuhan dan Manajemen Risiko. Penyusunan and Risk Management Director. The organizational
struktur organisasi Divisi Manajemen Risiko dilakukan structure was constructed based on risk handled
dengan pendekatan berdasarkan jenis risiko yang approach.
ditangani (risk handled approach).

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Hal ini sejalan dengan kebijakan Bank Indonesia This is in accordance with Bank Indonesia policy
yang mewajibkan bank di Indonesia untuk melakukan which requires banks in Indonesia to conduct risk
proses manajemen risiko yang meliputi identification, management process that includes identification,
measurement, monitoring dan controlling terhadap 8 measurement, monitoring and controlling on 8 types
jenis risiko yakni Risiko Pembiayaan, Risiko Pasar, of risk which are Financing Risk, Market Risk, Liquidity
Risiko Likuiditas, Risiko Operasional, Risiko Stratejik, Risk, Operational Risk, Strategy Risk, Legal Risk,
Risiko Hukum, Risiko Reputasi, dan Risiko Kepatuhan. Reputation Risk and Compliance Risk.
Tanggung Jawab Sosial Social Responsibility

Bank Muamalat senantiasa berkomitmen untuk Bank Muamalat is always committed to building a
membangun kualitas kehidupan yang lebih baik, better quality of life, especially for the surrounding
terutama bagi masyarakat di sekelilingnya dan communities and social environment where the
lingkungan sosial di mana bank berada. Bentuk bank operates. The social care or Corporate Social
kepedulian sosial atau Coporate Social Responsibility Responsibility (CSR) is integrated and continuously
(CSR) dilakukan secara terpadu dan berkelanjutan. implemented.
Selama tahun 2010, Bank Muamalat telah menyalurkan During 2010, Bank Muamalat distributed CSR funds
dana CSR melalui Baitulmaal Muamalat (BMM), through Baitulmaal Muamalat (BMM), Dana Dakwah
Yayasan Dana Dakwah Pembangunan (YDDP) Majelis Pembangunan Foundation (YDPP) of Indonesia
Ulama Indonesia (MUI) dan Ikatan Cendekiawan Ulema Council (MUI) and Indonesian Muslim Scholar
Muslim se- Indonesia (ICMI) untuk program Community Association (ICMI) for the Community Development
Development Fund, sesuai dengan keputusan Rapat Fund program, in accordance with the resolution of the
Umum Pemegang Saham pada 28 Juni 2010. General Meeting of Shareholders on 28 June 2010.
BMM sebagai perpanjangan tangan Bank Muamalat BMM, as a representative of Bank Muamalat in the
dalam pelaksanaan CSR dan kegiatan sosial lainnya, implementation of CSR and other social activities,
tidak hanya menyalurkan dana CSR perusahaan, does not only distribute the Company’s CSR funds but
tetapi juga mengelola dan menyalurkan dana ZIS also administers and distributes the ZIS (Zakat, Infak,
(Zakat, Infak, Sedekah) perusahaan, karyawan Sedekah) fund of the Company, employees as well as
dan nasabah Bank Muamalat, serta dana Non-ZIS the Company’s Non-ZIS fund.
perusahaan.
Total dana yang telah disalurkan melalui BMM selama The total amount of fund distributed through BMM
tahun 2010 sebesar Rp 22,8 miliar. Dana tersebut during 2010 was IDR 22,8 billion. Those funds were
disalurkan dalam bentuk program yaitu : distributed through programs, such as:
1. Pemberdayaan Ekonomi (KUM3 dan KJKS 1. Economic empowerment (KUM3, KJKS KUM3,
KUM3) and LKMS)
2. Santunan Pendidikan (ISS dan Orphan Kafala, 2. Education compensation (ISS and Orpan Kafala,
Beasiswa Yatim) Scholarships)
3. Santunan Sosial dan Kemanusiaan 3. Social funds
4. Santunan Kesehatan 4. Health funds
5. Corporate Social Responsibility (CSR) 5. Corporate Social Responsibility (CSR)
6. Program Non-ZIS 6. Non-ZIS program
7. Berbagi Cahaya Qurban 7. Berbagi Cahaya Qurban
8. Pemberdayaan Wakaf 8. Wakaf Empowerment

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Selama tahun 2009 dan 2010 ICMI telah melaksanakan During 2009 and 2010, ICMI conducted community
program community development dengan beberapa development programs with several activities, such
kegiatan antara lain : as:
t Program Agroforesty dengan penanaman t Agroforestry Program with 5-hectare tree
pohon seluas 5 hektar di Hutan Rakyat Arjasari, plantation in the Arjasari community forest in
Kabupaten Bandung Bandung regency.
t Pelatihan Wirausaha t Entrepreneurship training
t Kajian Konsolidasi Ekonomi t Economic consolidation review
t National Leadership Training t National Leadership Training
t Program Pendidikan dan Pemberdayaan t Woman Education and Empowering program
Perempuan
Pada tahun 2010 Bank Muamalat juga menyalurkan In 2010, Bank Muamalat also distributed CSR fund’s
porsi dana CSR tahun 2008 dan 2009 senilai Rp 906,5 portion from years 2008 and 2009 in the amount of IDR
juta untuk menunjang kegiatan Yayasan Dana Dakwah 906,5 million to support Dana Dakwah Pembangunan
Pembangunan (YDDP) Majelis Ulama Indonesia Foundation of Indonesian Ulema Council in the forms
dalam bentuk : of:
t Sosialisasi Perbankan Syariah t Sharia Banking Socialization
t Penerbitan Fatwa oleh Komisi Fatwa MUI t Fatwa issuing by MUI’s Fatwa Council
t Kegiatan kerja sama internasional dengan Saudi t International cooperation with Saudi Arabia,
Arabia, Malaysia, Amerika Serikat, dan Iran Malaysia, the United States of America and Iran
t Bimbingan rohani bagi narapidana di Lembaga t Spiritual counseling for convicts in penitentiary
Pemasyarakatan
t Penyuluhan ibadah dan bimbingan keagamaan t Counseling and guidance on religious worship for
bagi TKI/TKW Indonesian Migrant Workers/Women Workers
Penghargaan 2010 Award 2010

Bank Muamalat sebagai pionir perbankan syariah di Bank Muamalat, as the pioneer of sharia banking in
tanah air harus menjadi model bagi industri. Karena Indonesia, ought to be the role model for the industry.
itu perlu produk dan layanan yang comply with sharia, Therefore, it requires products and services which
berkualitas, dan berorientasi pasar agar menjadi bank are complied with the sharia, qualified and market
syariah terkemuka. oriented in order to be the leading sharia bank.
Kinerja Bank Muamalat telah mendapatkan pengakuan Bank Muamalat’s performance has been
dari berbagai kalangan sejak beberapa waktu yang acknowledged by several parties for quite sometime.
lalu. Selama tahun 2010 antara lain memperoleh During 2010, among others, the Bank has received
penghargaan sebagai The Best Islamic Financial The Best Islamic Financial Institution in Indonesia from
Institution in Indonesia dari Global Finance (Amerika Global Finance (the United States of America), Best
Serikat), Best Islamic Local Bank in Indonesia Islamic Local Bank in Indonesia from Alpha South East
dari Alpha South East Asia (Hongkong), The Best Asia (Hong Kong), The Best Islamic Bank in Indonesia
Islamic Bank in Indonesia dari Islamic Finance News from Islamic Finance News (Malaysia) as well as
(Malaysia), serta sebagai Juara I untuk Penyelesaian the first winner for the Best Customer Complaint
Pengaduan Nasabah Terbaik yang diikuti oleh semua Settlement that was participated by all bank types and
jenis dan kategori bank yang diselenggarakan oleh categories, and held by Bank Indonesia .
Bank Indonesia.

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Strategi 2011 Strategy 2011

Kondisi pasar tahun 2011 yang semakin dinamis dan The more dynamic and competitive market condition
kompetitif perlu disikapi dengan strategi yang tepat in 2011 needs to be addressed with proper and
dan akurat. Untuk itu Bank Muamalat telah memiliki accurate strategy. Therefore, Bank Muamalat has
long term business strategy sampai dengan tahun prepared long- term business strategy until the year
2014 untuk menjadi bank terkemuka dalam perbankan 2014 in order to be the leading bank in national
nasional. banking industry.
Saat ini Bank Muamalat mulai fokus menuju visi Bank Muamalat is currently focusing on the vision of
yang tidak hanya memasuki pasar spiritual, namun not only penetrating spiritual market but also utilizing
berupaya memanfaatkan peluang pasar rasional yang the opportunity in the wide-open rational market. At
masih terbuka lebar. Saat ini tidak hanya berkompetisi this moment, the Bank is not only competing with other
dengan bank syariah, namun mulai bersaing dengan sharia banks, but also competing with conventional
bank konvensional. Salah satu upaya yang dilakukan banks. One of the efforts made is reaching potential
adalah dengan merambah kawasan bisnis yang business area in Jakarta.
potensial di Jakarta.
Bank Muamalat menyelaraskan rencana strategisnya Bank Muamalat synchronizes its strategic plan with
dengan skenario pertumbuhan perbankan syariah the scenario of sharia banking growth from Bank
nasional dari Bank Indonesia. Terdapat tiga skenario Indonesia. There are three growth scenarios drafted
pertumbuhan yang telah disusun oleh Bank Indonesia, by Bank Indonesia, where all of them target much
dimana seluruh skenario tersebut menargetkan higher growth above national banking average.
pertumbuhan yang tinggi jauh diatas pertumbuhan Correspondingly, Bank Muamalat also sets the target
perbankan nasional. Untuk itu, Bank Muamalat juga to achieve higher growth in 2011. Along with the
menargetkan pertumbuhan yang tinggi pada tahun 2010’s initiative, the work plan for 2011 is to continue
2011. Sejalan dengan inisiatif tahun 2010, program the business transformation effort, consolidation
kerja 2011 akan meneruskan upaya tranformasi and infrastructure enhancement. Strengthening the
bisnis, konsolidasi, dan peningkatan infrastruktur. strategy, service improvement and operational quality
Untuk memperkuat strategi tersebut, dilakukan enhancement are also to be exercised.
juga perbaikan layanan serta peningkatan kualitas
operasional.
Selain itu untuk mendukung rencana pertumbuhan Aside from that, to support the expansion plan, there
akan dilakukan ekspansi jaringan kantor dan will also be office and electronic network expansion,
elektronik, peningkatan aliansi strategis dengan strategic alliance enhancement with several partners
beberapa mitra, termasuk anak perusahaan untuk including subsidiaries to encourage sales.
mendukung penjualan.

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Beberapa tantangan yang akan dihadapi, antara Several challenges to be faced are, among others,
lain kondisi likuiditas, perubahan kebijakan makro, liquidity concept and changes in macro policy that
dapat mempengaruhi perkembangan Bank Muamalat can affect Bank Muamalat’s future development. Since
ke depan. Bank Muamalat sejak awal pendiriannya its establishment as the first sharia bank in Indonesia,
sebagai bank syariah pertama di tanah air, biasa Bank Muamalat is accustomed to encountering
menghadapi berbagai tantangan dan perubahan. various challenges and changes. Bank Muamalat is
Bank Muamalat optimis dapat mengantisipai semua optimistic to anticipate all the challenges likely to be
tantangan yang akan dihadapi antara lain karena encountered due to the presence of loyal customers,
adanya nasabah yang loyal, core deposit yang lebih higher core deposit than any other banks as well as the
tinggi dibandingkan bank lain, serta jaringan yang broad network stretched throughout the archipelago.
relatif luas dan tersebar di seluruh tanah air.
Apresiasi Appreciation
Akhirnya perkenankan saya atas nama Direksi Last but not least, allow me on behalf of the Board
Bank Muamalat menyampaikan penghargaan dan of Directors of Bank Muamalat to convey my highest
ungkapan terima kasih kepada segenap nasabah, appreciation and gratitude to the entire customers,
karyawan, pemegang saham, dan semua pihak employees, shareholders and all the parties who
yang telah berkontribusi terhadap keberadaan Bank contributed to the existence of Bank Muamalat.
Muamalat.
Dengan semangat, komitmen dan kerja sama With the spirit, commitment and management
manajemen, serta dukungan seluruh pemangku cooperation, as well as the support from stakeholders,
kepentingan, maka Insya Allah Bank Muamalat dapat Insya Allah, Bank Muamalat can continue to actively
terus berkiprah memberikan layanan yang terbaik provide the best service for the public and strive to
kepada masyarakat dan berupaya memperjuangkan empower Islamic economy.
ekonomi islam.
Semoga Allah SWT senantiasa memberkahi upaya May Allah SWT bless our efforts.
kita bersama.
Bank Muamalat, Persembahan untuk Indonesia. Bank Muamalat, a gift for Indonesia.
Ir. Arviyan Arifin

President Director

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LAPORAN MANAJEMEN
STATEMENT OF ACCOUNTS OF BOARD OF COMMISSIONERS AND BOARD OF DIRECTORS

PERTANGGUNGJAWABAN DEWAN KOMISARIS DAN DIREKSI
Laporan tahunan, laporan keuangan, serta informasi lain yang terkait, merupakan tanggung jawab manajemen
Bank Muamalat yang dijamin kebenarannya oleh seluruh anggota Dewan Komisaris dan Direksi dengan
membubuhkan tanda tangan masing-masing.
The Annual Report, Financial Report and other related report, is the responsibilities of Bank Muamalat management
which the entire member of the Board of Commissioners and Directors assume full responsibility for the accuracy
of its contents by signing the reports.
DEWAN KOMISARIS
Board of Commissioners
Dr. Widigdo Sukarman Irfan Ahmed Akhtar, C.F.A. Abdulla Saud Abdul Aziz Al-Mulaifi, M.B.A.
President Commissioner Commissioner Commissioner
Independent Commissioner
Emirsyah Satar, S.E. Ir. Andre Mirza Hartawan, M.B.A. Sultan Mohammed Hasan Abdulrauf, M.A.FIS
Independent Commissioner Independent Commissioner Commissioner
DIREKSI
Board of Directors
Ir. Arviyan Arifin Ir. Andi Buchari, M.M. Farouk Abdullah Alwyni, M.B.A. M.A.
President Director Compliance and Risk Management Director International Banking and Financial
Institution Director
Ir. Luluk Mahfudah Adrian Asharyanto Gunadi, M.B.A. Hendiarto, S.E.

Corporate Banking Director Retail Banking Director Finance and Operations Director

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37
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PROFIL PERSEROAN
COMPANY PROFILE
SELAMA TAHUN 2010, BANK MUAMALAT TERUS MEMPERKOKOH FONDASI BISNIS YANG TELAH DILAKUKAN
DARI TAHUN SEBELUMNYA SEBAGAI WUJUD TRANSFORMASI BISNIS YANG BERKESINAMBUNGAN UNTUK
MENCIPTAKAN KINERJA YANG LEBIH BAIK.
During 2010, Bank Muamalat ceaselessly strengthened its business foundation which had been started since the
previous year as the realization of continuous business transformation to generate better performance.

Annual Report
BRIEF HISTORY OF THE COMPANY
RIWAYAT SINGKAT PERUSAHAAN
Profil Bank Muamalat Profile of Bank Muamalat

Saat ini Bank Mumalat memberikan layanan kepada Currently, Bank Muamalat provides services to 2,5
sekitar 2,5 juta nasabah melalui 368 kantor layanan million customers through 368 service centers, spread
yang tersebar di 33 provinsi di Indonesia dan across 33 provinces in Indonesia and supported by
didukung oleh jaringan layanan di lebih dari 4.000 more than 4.000 outlets of PT POS Indonesia’s System
outlet System Online Payment Point (SOPP) di PT POS Online Payment Point (SOPP), 32.000 Automated
Indonesia, 32.000 Automated Teller Machine (ATM), Teller Machines (ATMs) and 95.000 debit merchants.
serta 95.000 merchant debet.
Bank Muamalat merupakan satu-satunya bank syariah Bank Muamalat is the only sharia bank that expands
yang berekspansi ke luar negeri dengan membuka abroad by opening a branch office in Kuala Lumpur,
kantor cabang di Kuala Lumpur, Malaysia. Nasabah Malaysia. Customers can benefit from the Malaysian
dapat memanfaatkan jaringan Malaysia Electronic Electronic Payment System (MEPS) with the access of
Payment System (MEPS) dengan jangkauan akses more than 2.000 ATMs in Malaysia.
lebih dari 2.000 ATM di Malaysia.

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COMPANY PROFILE
PROFIL PERSEROAN
Pelopor perbankan syariah ini selalu berkomitmen As the sharia banking pioneer, Bank Muamalat is
untuk menghadirkan layanan perbankan syariah yang always committed to delivering competitive and
kompetitif dan mudah dijangkau bagi masyarakat accessible sharia banking services for the community
hingga ke berbagai pelosok Nusantara. up to the outer most corners of the Archipelago.
Bukti komitmen tersebut telah mendapat apresiasi This commitment has been acknowledged by the
dari pemerintah, media massa, lembaga nasional Government, media, national and international
dan internasional, serta masyarakat luas dengan institutions, and the larger communities with more than
perolehan lebih dari 70 penghargaan bergengsi 70 prestigious awards for the last 5 years.
selama 5 tahun terakhir.
Sejarah Singkat Perjalanan Bank Muamalat Brief History of Bank Muamalat Indonesia
Gagasan pendirian Bank Muamalat berawal dari The idea to establish Bank Muamalat was started with
lokakarya Bunga Bank dan Perbankan yang Bank Interest workshop held by the Indonesian Ulema
diselenggarakan Majelis Ulama Indonesia pada 18- Council on 18-20 August 1990, in Cisarua, Bogor.
20 Agustus 1990 di Cisarua, Bogor. Ide ini berlanjut This idea continued in the 4th National Convention
dalam Musyawarah Nasional IV Majelis Ulama of Indonesian Ulemas Council in Sahid Jaya Hotel,
Indonesia di Hotel Sahid Jaya, Jakarta, pada 22-25 Jakarta, on 22-25 August 1990, followed up by the
Agustus 1990 yang diteruskan dengan pembentukan formation of a working group to establish the first
kelompok kerja untuk mendirikan bank murni syariah sharia bank in Indonesia.
pertama di Indonesia.
Realisasinya dilakukan pada 1 November 1991 yang This was realized on 1 November 1991, marked by
ditandai dengan penandatanganan akte pendirian the signing of the deed of incorporation of PT Bank
PT Bank Muamalat Indonesia di Hotel Sahid Muamalat Indonesia in Sahid Jaya Hotel based on the
Jaya berdasarkan Akte Notaris Nomor 1 Tanggal 1 Notary Deed Number 1 dated 1 November, made by
November yang dibuat oleh Notaris Yudo Paripurno, Notary Yudo Paripurno, with the Authorization of Law
S.H. dengan Izin Menteri Kehakiman Nomor C2.2413. Minister Number C2.2413.T.01.01 dated 21 March
T.01.01 Tanggal 21 Maret 1992/Berita Negara 1992/State’s File of the Republic of Indonesia dated 28
Republik Indonesia Tanggal 28 April 1992 Nomor 34. April 1992, Number 34. By this signing, commitment
Pada saat penandatanganan akte pendirian ini from various parties was achieved to buy IDR 84
diperoleh komitmen dari berbagai pihak untuk billion of the Bank’s shares. In the official ceremony at
membeli saham sebanyak Rp 84 miliar. Kemudian the presidential palace in Bogor, there was additional
dalam acara silaturahmi pendirian di Istana Bogor fund of IDR 106 billion collected from the people of
diperoleh tambahan dana dari masyarakat Jawa West Java showing their support.
Barat senilai Rp 106 miliar sebagai wujud dukungan
mereka.

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COMPANY PROFILE
PROFIL PERSEROAN
Dengan modal awal tersebut dan berdasarkan With this initial capital and based on the decree of
Surat Keputusan Menteri Keuangan RI Nomor 1223/ Finance Minister of Republic of Indonesia Number
MK.013/1991 tanggal 5 November 1991 serta izin 1223/MK.013/1991 dated 5 November 1991, and
usaha yang berupa Keputusan Menteri Keuangan the business permit in form of the decree of Finance
Republik Indonesia Nomor 430/KMK.013/1992 Tanggal Minister of the Republic of Indonesia Number 430/
24 April 1992, Bank Muamalat mulai beroperasi pada KMK.013/1992 dated 24 April 1992, Bank Muamalat
1 Mei 1992 bertepatan dengan 27 Syawal 1412 H. started operating on 1 May 1992 or 27 Syawal 1412
Pada 27 Oktober 1994, Bank Muamalat mendapat H in Islamic calendar. On 27 October 1994, Bank
kepercayaan dari Bank Indonesia sebagai Bank Muamalat was trusted by Bank Indonesia to become
Devisa. Foreign Exchange Bank.
Beberapa tahun yang lalu Indonesia dan beberapa Several years ago there were monetary crises afflicting
negara di Asia Tenggara pernah mengalami krisis Indonesia and some other countries in Southeast Asia.
moneter yang berdampak terhadap perbankan The crises impacted the national banking, resulting
nasional yang menyebabkan timbulnya kredit macet in bad credit in corporate segment. Bank Muamalat
pada segmen korporasi. Bank Muamalat pun ikut was also, affected by the crisis. In 1998, the number
terimbas dampak tersebut. Tahun 1998, angka non of Non-Performing Financing (NPF) of Bank Muamalat
performing financing (NPF) Bank Muamalat sempat reached more than 60%. The loss recorded by the
mencapai lebih dari 60%. Perseroan mencatat Company was IDR105 billion and the equity hit the
kerugian sebesar Rp 105 miliar dan ekuitas mencapai lowest point of IDR 39,3 billion or less than one-third of
titik terendah hingga Rp 39,3 miliar atau kurang dari the initial capital.
sepertiga modal awal.
Kondisi tersebut telah mengantarkan Bank Muamalat The condition brought Bank Muamalat to a new era
memasuki era baru dengan keikutsertaan Islamic when Islamic Development Bank (IDB), based in
Development Bank (IDB), yang berkedudukan di Jeddah-Saudi Arabia, joined in as one of the foreign
Jeddah–Saudi Arabia, sebagai salah satu pemegang shareholders as officially recognized through the
saham luar negeri yang resmi diputuskan melalui General Meeting of Shareholders on 21 June 1999.
Rapat Umum Pemegang Saham (RUPS) pada 21 Juni
1999.
Dalam kurun waktu 1999-2002 Bank Muamalat terus During the period of 1999-2002, Bank Muamalat
berupaya dan berhasil membalikkan keadaan dari strived and successfully turned the condition from
rugi menjadi laba. Hasil tersebut tidak lepas dari losing to gaining profit. The achievement was due
upaya dan dedikasi segenap karyawan dengan to the effort and dedication of the entire staff with
dukungan kepemimpinan yang kuat, strategi usaha the support of strong leadership, accurate business
yang tepat, serta kepatuhan terhadap pelaksanaan strategy as well as the compliance on the sharia
perbankan syariah secara murni. banking implementation.
1991 1991
Bank Muamalat merupakan bank syariah pertama di Bank Muamalat, the first sharia bank in Indonesia,
Indonesia berdiri pada 1 November 1991 bertepatan established on 1 November 1991 or 24 Rabiuts Tsani
24 Rabiuts Tsani 1412 H 1412 H

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43
COMPANY PROFILE
PROFIL PERSEROAN
t Pendiriannya digagas oleh Majelis Ulama t The establishment was initiated by the Indonesian
Indonesia, Ikatan Cendekiawan Muslim Ulemas Council, Indonesia Association of
Indonesia, serta pengusaha muslim dengan Indonesian Musim Intelectuals and Muslim
dukungan Pemerintah Republik Indonesia business community with the support from the
Government of Republic of Indonesia
t Modal awal diperoleh dari sejumlah pribadi dan t The initial capital was obtained from several
pengusaha muslim dengan nominal sebesar individuals and Muslim business community
Rp 84 miliar. Tambahan modal awal diperoleh amounting to IDR 84 billion. The additional capital
dari masyarakat, sehingga jumlahnya menjadi was obtained from the community so the nominal
sebesar Rp 106 miliar was increased to IDR106 billion
t Acara pengumpulan modal dilakukan di Istana t The fund raising event was held in the Bogor
Presiden Bogor, Jawa Barat Presidential Palace, West Java
1992 1992
Mulai beroperasi pada 1 Mei 1992 atau 27 Syawwal Started to operate on 1 May 1992 or 27 Syawal 1412
1412 H. Sejak beroperasi, Bank Muamalat telah H on Islamic calendar. Since it first operated, Bank
menjadi pelopor bisnis keuangan syariah lainnya Muamalat has become the pioneer in other sharia
seperti : financial businesses, such as:
a. Asuransi syariah pertama (Asuransi Takaful) a. The first sharia insurance (Tafakul Insurance)
b. Memberikan bantuan teknis dan bantuan b. Technical assistance and capital loan for Sharia
modal kepada Bank Pembiayaan Rakyat Rural Banks (BPRS)
Syariah (BPRS)
c. Pusat Inkubasi Bisnis Usaha Kecil dan c. Incubation Center for Small-Medium Business
Menengah (PINBUK) yang kemudian (PINBUK) loading to the establishment of more
mendirikan lebih dari 3.000 Baitul Maal wat than 3,000 Baitul Maal wat Tamwil (BMT)
Tamwil (BMT)
d. Beraliansi dengan Perum Pegadaian dalam d. Allied with Perum pegadaian in sharia pawning
pendirian pegadaian syariah
e. Mendirikan Muamalat Institute (MI) e. Established Muamalat Institute (MI) for the
untuk pengembangan, peningkatan dan development, enhancement, and knowledge
penyebarluasan pengetahuan mengenai dissemination of sharia financial institution
lembaga keuangan syariah
f. Dana Pensiun Lembaga Keuangan Muamalat f. Muamalat retirement Fund for Financial Institutions
(DPLK Muamalat) (DPLK Muamalat)
g. Baitulmaal Muamalat (BMM) sebagai g. Baitulmaal Muamalat (BMM) as Bank Muamalat’s
kepanjangan tangan Bank Muamalat untuk representative in collecting and distributing
pengumpulan dan penyaluran Zakat, Infak, ZIS (Zakat, Infak, Sedekah) as well as Bank
Sedekah (ZIS), serta dana tanggung jawab Muamalat’s social responsibility fund through
sosial perusahaan Bank Muamalat melalui micro business unit development program
program pengembangan usaha mikro

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COMPANY PROFILE
PROFIL PERSEROAN
1993 1993
Terdaftar sebagai perusahaan publik, namun tidak Listed as Public Company but not listed in the
listing di Bursa Efek Indonesia. Indonesia Stock Exhange
1994 1994
Pada 27 Oktober 1994 memperoleh izin sebagai On 27 October 1994, granted permission as Foreign
Bank Devisa. Exchange Bank
1998 1998
t Krisis finansial menghantam Indonesia dan t The financial recession hit Indonesia and gave
berdampak luas terhadap bisnis, termasuk sektor a broad impact in business including banking
perbankan sector
t Kondisi ekonomi yang tidak kondusif telah t Unsupportive economic condition collapsed
menyebabkan ditutupnya sejumlah bank several banks in Indonesia but Bank Muamalat
di Indonesia dan Bank Muamalat tidak ikut did not join the government’s recapitalization
dalam program rekapitalisasi yang dilakukan program
pemerintah.
t Bank Muamalat terimbas krisis moneter dengan t Bank Muamalat was struck by the monetary
Non-Performing Financing (NPF) lebih besar dari recession with the Non-Performing Financing
60% (NPF) above 60%
t Pencadangan yang besar untuk menutupi NPF t The large amount of backup to cover high NPF
yang tinggi menyebabkan bank merugi dan had generated loss and drained the Bank’s
mengurus modal bank hingga berkurang menjadi capital to less than one-third of the initial capital
sepertiga dari modal awalnya.
t Tidak terdapat negative spread, karena modal t No negative spread because the bank capital
bank masih positif dan memperoleh predikat was still positive, achieved the predicate A
Bank Kategori A category bank
1999 1999
Penawaran Umum Terbatas (PUT) I dengan Hak The Limited Public Offering (LPO) I with Right Issues
Memesan Efek Terlebih (HMETD) yang menghasilkan generated a new shareholder, Islamic Development
pemegang saham baru yaitu Islamic Development Bank
Bank.

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COMPANY PROFILE
PROFIL PERSEROAN
2000 2000
Berhasil mengembalikan keadaan (recovery) dari Successfully recovered from the 1998 recession with
krisis 1998 dengan meraih keuntungan. profit gain
2003 2003
t Melakukan Penawaran Umum Terbatas (PUT) t Held the Limited Public Offering II with Rights
II dengan Hak Memesan Efek Terlebih Dahulu Issue with the presence of IDB and other local
(HMETD) dengan hadirnya IDB dan pemegang shareholders to invest
saham lokal lainnya untuk berinvestasi
t Berhasil menerbitkan Sukuk Sub-Ordinasi t Successfully issued Mudharabah Sub-Ordinate
Mudharabah I sejumlah Rp 200 miliar dan Sukuk I of IDR 200 billion and it was the first sukuk
merupakan sukuk pertama yang diterbitkan oleh issued by an Indonesian bank
lembaga perbankan di Indonesia
2004 2004
Peluncuran produk Shar-e yang merupakan tabungan The launch of Shar-e product as the first instant saving
instant pertama di Indonesia melalui ribuan jaringan in Indonesia through thousands of Post Office online
online Kantor Pos di seluruh Indonesia, yakni System network called System Online Payment Point (SOPP)
Online Payment Point (SOPP). Produk ini mengalami throughout Indonesia. The product had the fastest
pertumbuhan tercepat dengan pencapaian lebih dari growth with the collection of more than 2 million
2 juta pemegang kartu dalam waktu 4 tahun. cardholders in 4 years.
2005 2005
Menyelenggarakan Penawaran Umum Terbatas Held the Limited Public Offering (LPO) III with
(PUT) III dengan Hak Memesan Efek Terlebih Dahulu Rights Issue that resulted in obtaining new several
(HMETD) yang menghasilkan pemegang saham baru shareholders, among others are Boubyan Bank from
yaitu Boubyan Bank dari Kuwait, Atwill Holdings Ltd, Kuwait, Atwill Holdings Ltd., IDF Foundation, and BMF
IDF Foundation, dan BMF Holdings Ltd. Holdings Ltd.
2007 2007
Pendirian Al-Ijarah Indonesia Finance (ALIF) bersama Established Al-Ijarah Indonesia Finance (ALIF)
dengan Boubyan Bank dan International Leasing and with Boubyan Bank and International Leasing
Investment Company (ILIC) sebagai perusahaan and Investment Company (ILIC) as the first sharia
multifinance syariah pertama di Indonesia. multifinance company in Indonesia

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COMPANY PROFILE
PROFIL PERSEROAN
2008 2008
t Penerbitan Sukuk Sub-Ordinasi Mudharabah II t Issued the Mudharabah Sub-Ordinated sukuk II
Menerbitkan Sukuk Sub-Ordinasi Mudharabah for IDR 314 billion. The previously issued sukuk
senilai Rp 314 miliar. Sukuk yang diterbitkan matured in the same year
sebelumnya jatuh tempo pada tahun yang sama.
t Krisis global melanda sektor finansial yang t Global recession struck financial sector, triggered
pemicunya subprime mortgage di Amerika by the subprime mortgage crisis in the US
Serikat
2009 2009
Pembukaan kantor cabang internasional pertama The Opening of the first international branch office
di Kuala Lumpur, Malaysia, tercatat sebagai bank in Kuala Lumpur, Malaysia, recorded as the first
pertama dari Indonesia yang membuka jaringan Indonesian bank to open the business network in
bisnis di Malaysia. Malaysia
2010 2010
t Menyelenggarakan Penawaran Umum t Organized Limited Public Offering (LPO) IV with
Terbatas (PUT) IV dengan Hak Memesan Efek Rights Issue, generating additional capital of IDR
Terlebih Dahulu (HMETD) yang menghasilkan 673 billion
penambahan modal sebesar Rp 673 miliar.
t Pencapaian aset Rp 21.400,79 miliar tumbuh t Obtained asset of IDR 21,400.79 billion, growing
sebesar 33,53%. by 33.53%
t Predikat juara pertama dari Bank Indonesia untuk t Awarded the first prize by Bank Indonesia in the
kategori Penyelesaian Pengaduan Nasabah Best Customer Complaint Settlement
Terbaik yang diikuti oleh seluruh bank.
t Menyalurkan pembiayaan berskala internasional. t Delivered international-scale financing

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47
VISION, MISION AND CORPORATE CULTURE
VISI, MISI DAN BUDAYA PERUSAHAAN
Visi
Vision
Menjadi bank syariah utama di Indonesia, dominan di pasar
spiritual, dan dikagumi di pasar rasional
To become the premier sharia bank in Indonesia, dominant in
the spiritual market and admired in the rational market.
Misi
Mission
Menjadi role model lembaga keuangan syariah dunia dengan
penekanan pada semangat kewirausahaan, keunggulan
manajemen, dan orientasi investasi yang inovatif untuk
memaksimalkan nilai kepada stakeholder
To become a role model among the world’s sharia financial

institutions, emphasizing in entrepreneurial spirit, managerial
excellence and innovative investment orientation to maximize
value for stakeholders.

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COMPANY PROFILE
PROFIL PERSEROAN
Budaya Perusahaan
Corporate Culture
Keberhasilan suatu perusahaan sangat dipengaruhi The success of a company is highly influenced by the
oleh kemampuan sumberdaya manusianya, competency of its human resources, the superiority
keunggulan produk atau jasa yang dijual, jaringan, of its proposed product or services, network, and
dan teknologi yang unggul guna mendukung superior technology to support the operational
operational excellence. Komponen tersebut bukanlah excellence. However, those components are not
penentu yang menjadi kunci keberhasilan suatu the major key for success of the business. The real
bisnis. Faktor pendorong yang sesungguhnya terletak driving factor lies on the strength of the vision, mission
pada kekuatan visi dan misi serta nilai-nilai yang and values which become source of inspiration and
menjadi sumber inspirasi dan energi budaya kerja the energy of the company’s work culture.
perusahaan.
Hal ini dibuktikan oleh Bank Muamalat yang memiliki This is proven by Bank Muamalat whose vision is to
visi menjadi bank syariah utama di Indonesia, be the leading Sharia bank in Indonesia, dominant
dominan di pasar spritual, dikagumi di pasar rasional in spiritual market and admired in the rational market
dengan misi menjadi role model lembaga keuangan with the mission to be the role model of global
syariah dunia yang penekanannya pada semangat Sharia financial institution which emphasizes on the
kewirausahaan, keunggulan manajemen dan orientasi entrepreneurial spirit, management advantages and
investasi yang inovatif untuk memaksimumkan nilai innovative investment orientation to maximize the
kepada stakeholder. value for stakeholders.
Pencapaian visi dan misi tersebut sangat The attainment of vision and mission is highly
didukung oleh nilai-nilai yang tertanam dan supported by the values that are embedded and
ditumbuhkembangkan oleh individual serta cultivated by each individual as well as the company’s
positioning perusahaan sebagai lembaga keuangan positioning as the Sharia financial institution, thus
syariah, sehingga harus digerakkan dengan sistem, must be carried out by system, morals and faith in
akhlak, dan akidah sesuai prinsip syariah. accordance with Sharia principles.

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COMPANY PROFILE
PROFIL PERSEROAN
Bank Muamalat menjunjung praktek kejujuran sejak Bank Muamalat upholds the practice of honestly
awal rekrutmen, serta larangan menerima imbalan since the onset of recruitment. In addition, the Bank
dalam bentuk apapun dari para nasabah dan mitra prohibits receiving gifts in any forms from customers
kerja. Selain itu Bank Muamalat juga sangat tegas and business partners. Bank Muamalat is also strict
dalam menyikapi resiko reputasi yang ditimbulkan in addressing reputation risk caused by employee’s
karyawan akibat perilaku yang tidak sesuai dengan behaviour which is not accordance with culture, ethic
tatanan budaya, etika, dan hukum. and law.
Penilaian kinerja terhadap karyawan mengacu kepada The performance evaluation of the employees is based
scoreboard berdasarkan aspek-aspek finansial dan on scoreboard, based on financial and compliance
kepatuhan. aspects.
Pengangkatan staf dan pejabat yang akan memangku The appointments of staff and officials must go
jabatan harus melalui prosesi sumpah jabatan secara through oral and written oath procession on the seven
lisan dan tertulis tentang pernyataan tujuh perilaku behaviors as the code of conduct that the employees
sebagai pedoman perilaku (code of conduct) yang must be accounted for and promise to:
harus dipertanggungjawabkan dengan janji untuk :
t Mentaati peraturan perundang-undangan dan t Obey the regulations and provisions of the
ketentuan perusahaan Company
t Memegang teguh rahasia bank dan perusahaan t Keep the Bank’s and the Company’s confidentiality
t Tidak menerima hadiah dalam bentuk apapun t Refuse to accept any compensations in any forms
terkait tugas dan jabatan in relation to tasks or position
t Menjunjung kehormatan perusahaan dan t Uphold the Company’s and employees’ honor
karyawan
t Bekerja sesuai dengan prinsip syariah t Work according to the Sharia principles
t Berpegang teguh pada akhlak Islam dalam t Be reliant upon Islamic morals in conducting daily
menjalani kehidupan sehari-hari routines
t Bertanggung jawab terhadap kesalahan dan
pelanggaran yang dilakukan t Responsible for their mistakes and violations

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COMPANY PROFILE
PROFIL PERSEROAN
Bank Muamalat senantiasa menjunjung tinggi etika Bank Muamalat always uphold benefience oriental
bisnis yang berorientasi kepada kemaslahatan, business ethics, especially in relation to customer’s
khususnya kepuasan nasabah dan segenap and stakeholders’ satisfaction.
pemangku kepentingan.

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51
CORPORATE DATA
DATA PERUSAHAAN
INFORMASI UMUM/GENERAL INFORMATION
Nama Perusahaan/Company Name :

PT Bank Muamalat Indonesia Tbk
Bidang Usaha/Business Sector :

Perbankan Syariah
Pendirian Perusahaan/Incorporation :
Didirikan 1 November 1991/Founded on November 1, 1991
Beroperasi 1 Mei 1992/Started Operations on May 1, 1992
Rating Perusahaan/Company Rating:

A dengan Stable Outlook (Fitch Rating)
Alamat Perusahaan/Company Address :

Gedung Arthaloka Lantai 5
Jalan Jenderal Sudirman Kav. 2 Jakarta 10220
Telepon : (62) (21) 2511414,2511470,2511451
Faksimile : (62) (21) 2511465, 2511453
Website : www.muamalatbank.com
Jaringan Layanan/Network Services :

75 Kantor Cabang/Branch Offices, 92 Kantor Cabang Pembantu/Branch Offices,
158 Kantor Kas/Cash Offices, 43 Gerai/Outlet, 4.103 SOPP Pos,
172 ATM Muamalat,
32.000 jaringan ATM Bersama dan BCA Prima/ATM Bersama and BCA Prima network
Jaringan Kantor Luar Negeri/Overseas Office Network :

Kantor Cabang Kuala Lumpur, Malaysia
Produk-produk yang telah diluncurkan selama tahun 2010, yaitu :

Products being launched during of 2010, are :
1. Tabungan Haji Arafah / Hajj Saving
2. Tabungan Haji Arafah Plus / Hajj Saving Plus
3. Dana Talangan Porsi Haji / Hajj Portion Fund
4. TabunganKu / MySaving
5. Tabungan Muamalat / Muamalat Savings
6. Tabungan Muamalat Pos / Muamalat Pos Saving
7. Pembiayaan Hunian Syariah (Kongsi) / Sharia Housing Financing (Partnership)
8. Pembiayaan Hunian Syariah (Pembelian) / Sharia Housing Financing (Purchase)
9. Automuamalat & Joint Financing Multifinance/ Automuamalat & Joint Financing
Multifinance
10. Tabungan Muamalat Sahabat / Sahabat Muamalat Saving
Anak Perusahaan/Subsidiaries
1. Baitulmaal Muamalat (BMM)
2. Dana Pensiun Lembaga Keuangan (DPLK) Muamalat
3. Muamalat Institute (MI)
4. Al-Ijarah Indonesia Finance (ALIF)

Annual Report
INSTITUTE OF PUBLIC ACCOUNTANT AND CORPORATE CAPITAL MARKET SUPPORTING INSTITUTION
AKUNTAN PUBLIK PERSEROAN DAN LEMBAGA PENUNJANG PASAR MODAL
LEMBAGA DAN PROFESI PENUNJANG PASAR MODAL
Akuntan Publik/Public Accountant :

Osman Bing Satrio & Rekan
(member of Deloitte Touche Tohmatsu)
Wisma Antara Lantai 4
Jalan Medan Merdeka Selatan No.17
Jakarta 10110 - Indonesia
Telepon : (021) 2312879, 231955, 2312381
Faksimile : (021) 2313325, 3840387
Konsultan Hukum/Law Consultant :

Soemadipradja & Taher Law Firm
Wisma GKBI Suite 905
Jalan Sudirman No. 28 Jakarta 10210
Indonesia
Telepon : (021) 5740088
Faksimile : (021) 5740068
Notaris/Notary
Arry Supratno, SH
Gedung Arthaloka Lt.7
Jalan Sudirman Kav. 2 Jakarta 10150
Indonesia
Telepon : (021) 2511577, 23511351
Faksimile : (021) 2511413
Biro Administrasi Efek/Share Registrar

PT BSR Indonesia
Kompleks Perkantoran ITC Roxy Mas Blok E1 No. 10-11
Jalan KH Hasyim Ashari Jakarta 10150
Indonesia
Telepon : (021) 6317828
Faksimile : (021) 6317827
Lembaga Pemeringkat/Rating Agency

PT Fitch Rating Indonesia (Fitch)
Indonesia Prudential Tower 20th Floor
Jalan Sudirman Kav 79 Jakarta 12910
Indonesia
Telepon : (021) 5795 7750
Faksimile : (021) 5795 7755

Annual Report
53
ORGANIZATIONAL STRUCTURE
STRUKTUR ORGANISASI
Sharia
Supervisory
Board
President
Director
Arviyan Arifin
Compliance & Corporate

Risk Management Banking Retail Banking
Director Director Director
Andi Buchari Luluk Mahfudah Adrian A Gunadi
IT Steering Compliance Product

Financing
Committee Division Development
Support Division
Division
Corporate
Sales
Financing Secretary Remedial
Management &
Committee Division Division
Support Division
Risk
Asset Liability Management
Committee Division
Risk Management
Committee
Corporate Branch Retail Branches

Annual Report
Board of Risk Monitoring
Commissioners Committee
Audit
Committee
Nomination &
Remuneration
Committee
Int’l Banking & Finance &

Financial Institution Operations
Director Director
Farouk A Alwyni Hendiarto
Int’l Banking &

Finance & Strategy Human Resources
Financial Institution
Division Division
Division
National Operations Internal Audit

Service Division
Division Division
Transformation
General Service
Management
Division
Office
Technology
Treasury Division
Division
Foreign Branch
Corporate
Communication
Desk

Annual Report
55
BOARD OF COMMISSIONERS PROFILE
PROFIL DEWAN KOMISARIS
3 4 5 6
2 1
1. Dr. Widigdo Sukarman

Lahir di Banjarnegara, 31 Desember 1941. Born in Banjarnegara on 31 December 1941, obtained

Memperoleh gelar sarjana ekonomi dari Universitas a Bachelor’s Degree in Economics from the University
Gajah Mada (1964). Menamatkan pendidikan di of Gajah Mada (1964). Completed his education at
Harvard University bidang ilmu pemerintahan dengan Harvard University majoring in Science of Governance
gelar Master of Public Administration (1983), Boston with a Master of Public Administration (1983) and
University bidang bisnis dengan gelar Master of Boston University majoring in Business with a Master
Business Administration (1985), serta meraih gelar of Business Administration (1985), also earned a
Doktor bidang ilmu sosial politik dari Universitas Doctorate Degree in social and political science from
Gajah Mada (2003). the University of Gajah Mada (2003).
Beberapa jabatan yang pernah diduduki diantaranya He has served as Commissioner in several
sebagai Komisaris Utama PT Ciputra Property, Tbk., companies in Indonesia, among others are PT Ciputra
PT Damai Indah Golf, Tbk., Komisaris Utama di Property, Tbk. (2007-present), PT Damai Indah Golf,
PT Swadarma Kerry Setya, Wakil Komisaris PT Astra Tbk. (2001-present), President Commissioner of
Internasional. Pernah juga menjabat sebagai anggota PT Swadarma Kerry Setya (2001-2009), Deputy
Badan Supervisi Bank Indonesia (2005-2008), Senior Commissioner of PT Astra International (1996),
Advisor Arthur Andersen dan Ernst & Young (2000- as well as members of the Supervisory Board of
2005), serta mengajar dibeberapa perguruan tinggi Bank Indonesia (2005-2008), Senior Advisor to
negeri dan Lembaga Pengembangan Perbankan Arthur Andersen and Ernst & Young (2000-2005).
Indonesia (LPPI). He also teaches at several universities and in
Indonesian Banking Development Institute (Lembaga
Pengembangan Perbankan Indonesia (LPPI))
Dikenal sebagai bankir profesional, diantaranya Widely known as a professional banker, held several
pernah menjabat Direktur Utama Bank Negara positions including President Director of Bank Negara
Indonesia (1996-2000), Direktur Utama Bank Indonesia (1996-2000), Director of Bank Tabungan
Tabungan Negara (1994-1996), Direktur Utama Bank Negara (1994-1996), Director of Bank Papan
Papan Sejahtera (1992-1994), Direktur Bank Negara Sejahtera (1992-1994), Director of Bank Negara
Indonesia (1988-1992) serta pernah menduduki Indonesia (1988-1992) and has held various positions
berbagai jabatan di bank yang sama (1965-1988). at the same bank (1965-1988).

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
2. Abdulla Saud Abdul Aziz Al-Mulaifi, M.B.A.

Commissioner
Lahir di Kuwait, 25 Oktober 1966 dan saat ini menetap Born in Kuwait on 25 October 1966 and is currently
di Khalidya, Kuwait. Menyelesaikan pendidikan dasar living in Khalidya, Kuwait. Completed primary and
dan menengah di Kuwait, memperoleh gelar Bachelor secondary education in Kuwait, he received his
of Science bidang ilmu komputer dari University of Bachelor of Science in Computer Science from the
Pacific Kuwait (1989), serta gelar Master of Business University of Pacific Kuwait (1989), as well as a Master
Administration di London Business School (2009). of Business Administration at London Business
Mengikuti pelatihan dan kursus sesuai bidang yang School (2009). Completed training and courses
digeluti di Amerika Serikat, Perancis, Dubai, dan relating to his expertise in the United States, France,
Inggris. Bekerja di Boubyan Bank sebagai Executive Dubai and England. Currently working in Boubyan
Manager (2005-sekarang), Sukuk Holding, Co. Bank as Executive Manager (2005-present), Sukuk
sebagai Executive Vice President (2003), A’ayan Holding, Co.. as Executive Vice President (2003),
Leasing and Investment Co. sebagai IT Business A’ayan Leasing and Investment Co. as an IT Business
Development Manager, serta Gulf Business Machine Development Manager, and Gulf Business Machines
(IBM Kuwait) sebagai Client Manager. (IBM Kuwait) as Client Manager.
3. Irfan Ahmed Akhtar, C.F.A.

Commissioner
Lahir di Lahore, Pakistan, 2 Juli 1955. Memperoleh Born in Lahore Pakistan on 2 July 1955, obtained a
gelar sarjana matematika dan statistik dari Punjab Bachelor’s Degree in Mathematics and Statistics from
University, Pakistan, serta gelar sarjana dan Master of the Punjab University, Pakistan, and a Bachelor’s
Business Administration dari University of Montana, Degree and a Master of Business Administration from
USA. the University of Montana, U.S.
Ia pemegang sertifikat Chartered Financial Analyst Holding a Chartered Financial Analyst (CFA) certificate,
(CFA) dengan posisi beragam dan pengalaman with experience in various positions in multiple
lebih dari 28 tahun dibidang perbankan internasional, companies and more than 28 years of experience in
investasi, structured Islamic finance, serta konsultan international banking, investments, structured Islamic
bisnis untuk Eropa, Amerika Tengah, Amerika Selatan, finance, also a Europe, Mid America, South America,
Asia Selatan dan wilayah Timur Tengah. Jabatan South Asia and Middle East business consultant. His
yang diduduki selama 15 tahun terakhir adalah senior position for the last 15 years is as senior advisor to
manajemen dan profesional sebagai penasehat management and the Pakistani government, and the
pemerintah Pakistan dan Islamic Development Bank. Islamic Development Bank professional advisor.

Annual Report
57
COMPANY PROFILE
PROFIL PERSEROAN
4. Ir. Andre Mirza Hartawan, M.B.A.

Lahir di Jakarta, 9 April 1969. Memperoleh gelar Sarjana Born in Jakarta on 9 April 1969, obtained his Bachelor
Teknik Industri di Institut Teknologi Bandung (1993) of Industrial Engineering at the Bandung Institute
dan gelar Master of Business Administration dari of Technology (1993) and a Master of Business
Graduate School of Business, Curtin University Perth Administration from the Graduate School of Business,
Australia. Sejak tahun 2005 hingga saat ini menjabat Curtin University in Perth Australia. Currently since
sebagai Direktur Keuangan PT Panca Amara Utama, 2005 served as Finance Director of PT Panca Amara
dan sejak 2006-2009 menjabat President Director PT Utama, and from 2006-2009 served President Director
Amara Capital. Selain itu, menjabat Komisaris Utama of PT Amara Capital. In addition, he also holds
di PT Auto Daya Keisindo (2006-2009), President position as the Chief Commissioner of PT Auto Power
Director PT Auto Daya Amara (2006-2009), PT Pupuk Keisindo (2006-2009), President Director of PT Auto
Sriwijaya pada Direktorat Pengembangan Korporasi Power Amara (2006-2009), PT Pupuk Sriwijaya at the
(1998-2005), dan Pricewaterhouse Indonesia. Directorate of Corporate Development (1998-2005),
and Pricewaterhouse Indonesia.
5. Sultan Mohammed Hasan Abdulrauf, M.A, F.I.S.

Commissioner
Lahir di Jeddah, 7 April 1968, bertempat tinggal Born in Jeddah, 7 April 1968, permanent residence
tetap di Jeddah, Saudi Arabia. Menamatkan in Jeddah, Saudi Arabia. Completing primary and
pendidikan dasar dan menengah di Jeddah, serta secondary education in Jeddah, and obtained a
memperoleh gelar sarjana bidang akuntansi dari degree in accounting from King Abdul Aziz University,
King Abdul Aziz University, Arab Saudi (1987-1991), Saudi Arabia (1987-1991), then completed post-
kemudian menyelesaikan program pasca sarjana graduate program at Cleveland State University in
di Cleveland State University bidang akuntansi dan accounting and financial systems (1992-1994). Since
sistem keuangan (1992-1994). Sejak tahun 2004 2004 holds the position of Vice President Financial
sampai sekarang menduduki jabatan Vice President Investment SEDCO. Prior to working at SEDCO,
Financial Investment SEDCO. Sebelum bekerja di also has experience as Assistant General Manager
SEDCO pernah menjabat sebagai Assistant General Corporate Banking at Samba (2002-2004), and
Manager Corporate Banking di Samba (2002- National Corporate Banker at National Commercial
2004), serta National Corporate Banker di National Bank (1995-2002).
Commercial Bank (1995-2002).

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
6. Emirsyah Satar, S.E.

Lahir di Jakarta, 28 Juni 1959. Lulus Fakultas Ekonomi Born in Jakarta on 28 June 1959. Graduated from
Universitas Indonesia (1985), Diploma Program, Faculty of Economics, University of Indonesia (1985),
Sorbonne University, Paris. Saat ini menjabat Diploma Program, Sorbonne University, Paris.
sebagai Direktur Utama PT Garuda Indonesia (2005- Currently serves as President Director of PT Garuda
sekarang). Sebelumnya pernah menjabat Direktur Indonesia (2005 - present). Prior to that, he was
Keuangan (CFO) pada perusahaan tersebut tahun Chief Financial Officer (CFO) at Garuda Indonesia
1998-2003. Memiliki pengalaman bidang perbankan from 1998-2003. Has experience in banking and
dan perusahaan jasa keuangan diantaranya menjadi financial services firms such as Vice President
Wakil Direktur Utama PT Bank Danamon Indonesia Director of PT Bank Danamon Indonesia Tbk (2003-
Tbk (2003-2005), Managing Director (CEO) Niaga 2005), Managing Director (CEO) Niaga Finance Co.,
Finance Co, Ltd Hongkong (1997), Assistant Vice Ltd. Hong Kong (1997), Assistant Vice President of
President of Corporate Banking Group jakarta (1990), Corporate Banking Group jakarta (1990) , General
General Manager Corporate Finance Division, Jan Manager of Corporate Finance Division, Jan Darmadi
Darmadi Group, Jakarta (1990), Manager of Banking Group, Jakarta (1990), Manager of Banking Group,
Group City Bank (1988), Assistant Manager Corporate City Bank (1988), Assistant Manager of Corporate
of Banking Group Control Division Jakarta (1986) dan Banking Group Control Division, Jakarta (1986) and
Auditor Pricewaterhouse di Jakarta (1983). auditor at Pricewaterhouse in Jakarta (1983).

Annual Report
59
BOARD OF DIRECTORS PROFILE
PROFIL DIREKSI
3 4 5
6
1
1. Ir. Arviyan Arifin

President Director
Lahir di Padang, 27 April 1964, alumnus Teknik Born in Padang on 27 April 1964, alumnae of
Industri Institut Teknologi Bandung. Sebelumnya Bandung Institute of Technology majoring in Industrial
bekerja di PT United Tractors Engineering tahun 1988, Engineering. Previously worked at PT United Tractors
kemudian mengikuti training Officer Development Engineering in 1988, joined the Development Officer
Program di Bank Duta tahun 1988, dan seterusnya Training Program at Bank Duta in 1988, and further
bekerja di Bank Duta dengan jabatan terakhir Kepala working at Bank Duta with the last position, Head of
Departemen Korporasi Bank Duta Cabang Utama Corporate Department Bank Duta Main Branch of
Surabaya tahun 1991. Surabaya in 1991.
Bergabung sejak pendirian Bank Muamalat tahun Joined since the founding of Bank Muamalat in the end
1991 akhir sebagai Kepala Bagian Pembiayaan, tahun of 1991, served as Head of Finance Departement, in
1994 diangkat sebagai Kepala Divisi Pembiayaan, 1994 he was appointed as Head of Finance Division,
memperoleh penghargaan sebagai karyawan terbaik received the award for best employee of Muamalat
Bank Muamalat tahun 1995 serta menjabat Ketua Tim in1995 and has served as Restructuring Team Leader
Restruktur Asset Bank Muamalat pada masa krisis Asset of Bank Muamalat during the crisis in 1998.
tahun 1998.
Diangkat sebagai Direktur Bisnis selama dua periode Appointed as Director of Business for two periods
(1999-2004 dan 2004-2009). Pernah menjadi Direktur (1999-2004 and 2004-2009). Had been a Director of
Compliance tahun 2001 selama 6 bulan. Sejak 2009 Compliance in 2001 for 6 months. Since 2009 he has
sampai saat ini menjabat sebagai Direktur Utama served as President Director of the Bank.
Bank Muamalat.
Beberapa kali mengikuti berbagai pelatihan, lokakarya Completed various trainings, workshops and
dan simposium tingkat nasional dan internasional, symposiums at national and international level,
diantaranya The 5th Batch Professional Director including The 5th Batch Professional Director and
Program and Competitive Marketing 2000 (Jakarta), Competitive Marketing Program 2000 (Jakarta), also
serta advanced Project Finance (Sydney). advanced Project Finance (Sydney).

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
2. Ir. Luluk Mahfudah

Corporate Banking Director
Lahir di Jombang, 22 Oktober 1967. Menempuh Born in Jombang on 22 October 1967. Completing
pendidikan dasar hingga menengah di Jombang. primary and secondary education in Jombang.
Lulus, dari Fakultas Pertanian Universitas Brawijaya Graduated from Faculty of Agriculture, Brawijaya
(1991). University (1991).
Mengawali karir sebagai Trainee Muamalat Officer Started her career in Bank Muamalat as a Muamalat
Development Program (MODP) II (1993-1994), lalu Officer Development Program (MODP) Trainee II
menjabat sebagai Account Manager Bank Muamalat (1993-1994), and then served as an Account Manager
Cabang Fatmawati (1994-1995), Account Manager Bank Muamalat Fatmawati Branch (1994-1995), then
Kantor Pusat (1995-1999). Account Manager head Office (1995-1999).
Pernah menjabat sebagai Deputy GM Bidang Served as Deputy GM Finance Sector Operational
Pembiayaan Kantor Pusat Operasional (1999-2001), Headquarters (1999-2001), as Sub Branch Manager
sebagai Sub Branch Manager Slipi (2001-2002), Slipi (2001-2002), as Branch Manager Kalimalang
sebagai Branch Manager Kalimalang (2002-2003) (2002-2003) and Fatmawati (2004-2007), also as
dan Fatmawati (2004-2007), serta sebagai Business Business Manager in Head Office (2007 - 2008) and
Manager Kantor Pusat (2007- 2008) dan Kantor Pusat Head Office Line 1 & 2 (2008-July 2009) until finally
Line 1 & 2 (2008-Juli 2009) hingga akhirnya diangkat appointed as Director of Corporate Banking.
menjadi Corporate Banking Director sampai saat ini.
Mengikuti beberapa training dan seminar di dalam Completed various trainings and seminars at national
dan luar negeri antara lain Advanced Credit Seminar, and international level, among others are, Advanced
Human Resources Management Workshop, Problem Credit Seminar, Human Resources Management
Solving & Decision Making, Islamic Financing in Workshop, Problem Solving & Decision Making,
Aviation-Avail Corporation (Kuala Lumpur), dan Legal Islamic Financing in Aviation-Avail Corporation (Kuala
Document for Islamic Financing by CERT (Kuala Lumpur), and Legal Document for Islamic Financing
Lumpur). by CERT (Kuala Lumpur).

Annual Report
61
COMPANY PROFILE
PROFIL PERSEROAN
3. Ir. Andi Buchari, M.M.

Compliance and Risk Management Director
Lahir di Jakarta, 31 Agustus 1966. Memperoleh Born in Jakarta on 31 August 1966, obtained a
gelar Bachelor/Insinyur dari Institut Pertanian Bogor Bachelor’s Degree in Engineering from Institut
(1988) dengan predikat Mahasiswa Teladan, Master Pertanian Bogor (1988) with Exemplary Student
in Finance dari Atmajaya Catholic University (1996) predicate, Master in Finance from Atma Jaya Catholic
dengan predikat Cum Laude dan Best Graduate, University (1996) with Cum Laude and Best Graduate
serta mengikuti Islamic Banking and Finance Summer predicate, and completed the Islamic Banking and
School di Davos-Switzerland (2005). Finance Summer School in Davos, Switzerland (2005).
Pernah berkarir sebagai Production Supervisor Career experience as a Production Supervisor

(Banyuwangi-Jawa Timur) PT. Blambangan Raya/ (Banyuwangi, East Java) of PT. Blambangan Raya/
Mantrust Group (1988), Branch Manager (Cirebon- Mantrust Group (1988), Branch Manager (Cirebon,
Jawa Barat) PT. Sekar Laut/Sekar Group (1989), West Java) of PT. Sekar Laut / Sekar Group (1989),
Deputy Manager Sales and Logistic (Cikampek-Jawa Deputy Manager for Sales and Logistics (Cikampek-
Barat dan Jakarta) Kujang United Catalysts/afiliasi West Java and Jakarta) of Kujang United Catalysts /
dari United Catalysts Inc., USA (1989-1993). affiliate of United Catalysts Inc., USA (1989-1993).
Bergabung di Bank Muamalat sejak 1993 melalui Joined Bank Muamalat since 1993 through MODP
program MODP (lulusan terbaik), dan kemudian program (best graduate), then started career in
berkarir di berbagai penugasan seperti Koordinator various assignments such as Coordinator of Account
Account Manager Cabang Fatmawati, Alternate Managers for Fatmawati Branch, Alternate Branch
Branch Manager Cabang Fatmawati, Corporate Manager for Fatmawati Branch, Corporate Account
Account Manager Kantor Pusat, serta Team Leader Manager Head Office, and Team Leader of several
beberapa penugasan khusus (Team Capital Raising special assignments (Capital Raising and Right Issue
and Right Issue, Tim Business Re-engineering, Team, Business Re-engineering Team, Strategic
Tim Strategic Business Plan, dll). Selama periode Business Plan Team, etc.). During the period of 1999-
1999-2004 dipromosi menjadi Kepala Divisi di 2004 promoted to Division Head in various areas, such
berbagai area/bidang, yakni Marketing Div, Treasury as Marketing Div, Treasury & Investment Banking Div,
& Investment Banking Div, Corporate Support Div, Corporate Support Div, Internal Audit Div, Corporate
Internal Audit Div, Corporate Secretary, dan Regional Secretary, and Regional Manager for Northern
Manager yang membawahi area Sumatera Bagian Sumatra areas (North Sumatra, West Sumatra, Riau
Utara (Sumut, Sumbar, Riau dan Aceh). and Aceh).
Menjabat Direksi Bank Muamalat sejak tahun 2004, Appointed to join the Board of Directors in Bank
sebagai Direktur Compliance, Risk Management and Muamalat since 2004 as Director of Compliance,
Corporate Support (2004-2007), Direktur Finance and Risk Management and Corporate Support (2004-
Administration (2007-2009), serta Project Director 2007), Director of Finance and Administration (2007-
Pengembangan Bisnis Internasional (2008-2009) yang 2009), also as Project Director International Business
tugasnya antara lain membuka Cabang dan ekspansi Development (2008-2009) responsible for various tasks
bisnis di Malaysia. Di periode kedua sebagai Direksi, such opening the branch and business expansion in
menjabat sebagai Direktur Compliance and Corporate Malaysia. In the second period as Director, served
Planning (2009-2010), dan kemudian sebagai Direktur as Director of Compliance and Corporate Planning
Compliance and Risk Management (saat ini). (2009-2010), and currently as Director of Compliance
and Risk Management.

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
4. Farouk Abdullah Alwyni, M.B.A. M.A.

International Banking & Financial Institution Director
Lahir di Jakarta, 27 November 1969. Memperoleh Born in Jakarta on 27 November 1969. Obtain Master
gelar Master of Business Administration dalam of Business Administration in Finance and international
bidang keuangan dan perbankan internasional dari Banking from The Birmingham Business School, The
The Birmingham Business School, The University University of Birmingham, UK (2004) and Master of
of Birmingham, UK (2004) dan Master of Art dalam Arts in economics from The New York University, U.S.
bidang ekonomi dari The New York University, USA (1998).
(1998).
Memiliki pengalaman internasional sebagai Graduate Having international experience as a Graduate Intern
Intern pada High Commissioner for Human Rights, at the High Commissioner for Human Rights, Centre
Centre for Human Rights (HCHR/ CHR) di United for Human Rights (HCHR / CHR) at United Nations
Nations Headquarters, New York, AS (1997). Headquarters, New York, USA (1997). Active at the
Berkiprah di Islamic Development Bank selama 8 Islamic Development Bank for 8 years through the
tahun melalui Young Professional Programme. Pernah Young Professional Programme. Been assigned as
ditugaskan sebagai Trade Finance Officer yang Trade Finance Officer in charge of Bangladesh and
menangani wilayah Bangladesh dan Indonesia (2000- Indonesia (2000-2003), Senior Trade Finance Officer,
2003), Senior Trade Finance Officer, yang menangani handling the territory of Indonesia, Iran, Maldives,
wilayah Indonesia, Iran, Maldives, Kazakhstan dan Kazakhstan and Tajikistan (2004-2006) and Head
Tajikistan (2004-2006) dan Head of Market Research of Market Research & Monitoring Section (2007).
& Monitoring Section (2007). Selama berugas di During the assignment at Islamic Development
Islamic Development Bank pernah menjadi sekretaris Bank been assigned as Task Force secretary to
Task Force untuk mengkaji “The Feasibility of Using study “The Feasibility of Using the Gold Dinar as
Gold Dinar as Means of Settlement for Trade Means of Settlement for Trade among OIC Member
among OIC Member Countries” serta koordinator Countries” as well as field coordinator for trade and
bidang perdagangan dan investasi dalam Task Force investment in the Task Force to formulate “The 2020
untuk merumuskan “The 2020 Vision of IDB and Vision of the IDB and the Ummah “. Year 2007-
the Ummah”. Tahun 2007-2009 menjabat sebagai 2009 served as Director of PT. Al-Ijarah Indonesia
Direktur PT Al Ijarah Indonesia Finance yang didirikan Finance, which was established with Bank Muamalat,
bersama Bank Muamalat, Boubyan Bank Kuwait, dan Boubyan Bank of Kuwait, and International Leasing
International Leasing & Investment Company Kuwait & Investment Company Kuwait before eventually
sebelum akhirnya bergabung sebagai Treasury and joining Bank Muamalat as Treasury and International
International Banking Director Bank Muamalat . Aktif Banking Director. Active in national and international
mengikuti pelatihan dan seminar di dalam dan luar training and seminars as a participant, moderator or
negeri sebagai peserta, moderator, pembicara, speaker, including the Euromoney Financial Training
diantaranya dalam Euromoney Financial Training Programme (1998-2007), Syndicated Financing
Programme (1998-2007), Middle East Syndicated Middle East (Dubai, 2007), Islamic Finance Road
Financing (Dubai, 2007), Islamic Finance Road Show Show (New York, 2009) and Financial Industry
(Jakarta, 2009) dan Financial Industry Conference Conference (Kuala Lumpur, 2009). Also an active
(Kuala Lumpur, 2009). Aktif menulis di Islamic Finance writer in the Islamic Finance News, an International
News, sebuah Newsletter International di area Islamic Islamic Finance newsletter.
Finance.

Annual Report
63
COMPANY PROFILE
PROFIL PERSEROAN
5. Hendiarto, S.E.
Finance and Operations Director
Lahir di Jakarta, 3 April 1962. Alumnus Fakultas Born in Jakarta on 3 April 1962. Alumnae of Faculty
Ekonomi Universitas Indonesia (FEUI) bidang studi of Economics, University of Indonesia (UI) majoring in
pembangunan ini menempuh pendidikan dasar development studies, born and completed elementary
hingga lulus perguruan tinggi di Jakarta. to university education in Jakarta.
Saat ini menjabat sebagai Finance and Operations Currently serving as director of Finance and
Director di Bank Muamalat sejak 28 Juni 2010, yang Operations in Bank Muamalat since June 28th 2010,
didukung oleh pengalaman kerja di perbankan supported by his experience in banking for 20 years
selama 20 tahun di berbagai bidang, antara lain in various fields, including Finance, Treasury and
bidang Finance, Treasury dan Wholesale Banking. Wholesale Banking.
Berangkat dari Management Trainee di Bank Starting his career as Management Trainee at Bank
Universal di awal tahun 1990, beberapa peran kerja Universal in early 1990s, exposed in several strategic
strategis yang pernah dikelola antara lain adalah roles such as Merger Integration Team Bank Universal
Merger Integration Team Universal Bank menjadi to Bank Permata; build several strategic business
Bank Permata, membangun beberapa kegiatan bisnis activities such as Transaction Banking Services and
strategis seperti Transaction Banking Service dan Micro Finance. In addition, he is also active in the
Micro Finance. Selain itu juga aktif dalam implementasi implementation of ‘Core Banking’ system on Bank ICB
Core Banking System di Bank ICB Bumiputera Bumiputera
Berbagai jenis pelatihan dan sertifikasi telah diikuti Completed and obtained various types of training and
sebagai bagian dari pengembangan diri untuk tetap certification as part of self-development for continuous
meningkatkan profesionalisme, antara lain adalah professional improvement, among others are the Astra
Astra General Management Program 1990, Short General Management Program 1990, short course
Course Strategic Management Program dari National Strategic Management Program of the National
University of Singapura 1996, Risk Management University of Singapore, 1996, Risk Management
BSMR level 1-5 dan beberapa program Train The BSMR levels 1-5 and several other Train the Trainer
Trainer (TTT) lainnya. (TTT) programs.

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
6. Adrian Asharyanto Gunadi, S.E. M.B.A

Retail Banking Director
Lahir di Jakarta, 3 Januari 1976. Memperoleh gelar Born in Jakarta on 3 January 1976, obtained a Master
Master Business of Administration dalam bidang of Business Administration in Finance from Erasmus
finance dari Rotterdam School of Management Graduate School of Business, Rotterdam School of
Erasmus Graduate School of Business, Netherlands Management, the Netherlands (2003) after obtaining
(2003) setelah memperoleh gelar Sarjana Ekonomi a Bachelor of Economics from the University of
dari Universitas Indonesia (1999). Indonesia (1999).
Mengawali karir perbankan di Citigroup sebagai He began his banking career at Citigroup as
Management Associate, Corporate Banking, Local Management Associate, Corporate Banking,
Corporate Group (1999-2001). Bergabung sebagai Local Corporate Group (1999-2001). Join as Cash
Cash Management Product Manager (2001-2002) Management Product Manager (2001-2002) and
dan Associate Director, Financial Institution Standard Associate Director, Financial Institution in Standard
Chartered Bank, Jakarta (2004-2006). Pada tahun Chartered Bank, Jakarta (2004-2006). In 2006 receive
2006 memperoleh International Assignment sebagai International Assignment as Associate Director,
Associate Director, Islamic Products, Standard Islamic Products, Standard Chartered Saadiq, Dubai,
Chartered Saadiq, Dubai, UAE. Pernah menjabat UAE. Also Head of Sharia Banking in PT Bank Permata
sebagai Head of Sharia Banking, PT Permata Bank Tbk in July 2009. And currently with Bank Muamalat
Tbk pada Juli 2009 dan sekarang bergabung di Indonesia as Director of Retail Banking.
Bank Muamalat sebagai Retail Banking Director.
Mengikuti berbagai training, lokakarya serta Attended various trainings, workshops and symposium
symposium di tingkat nasional dan internasional at national and international level including the Global
diantaranya dalam Global Forum, Islamic Forum, the Islamic Financial Market (Jakarta, 2008),
Financial Market (Jakarta, 2008), Islamic Sukuk, Islamic Sukuk, Bringing Into Markets (Singapore,
Bringing Into Markets (Singapore, 2008), Islamic 2008), Islamic Finance, Structured Products (Dubai,
Finance, Structured Products (Dubai, 2007), Derivates 2007), Derivates Academy (Abu Dhabi, 2007) Oxford
Academy (Abu Dhabi, 2007) Oxford Leadership Leadership Program (UK, 2007) and Corporate
Program (UK, 2007) dan Corporate Finance Finance Structuring Workshop (Hong Kong, 2006).
Structuring Workshop (Hong Kong, 2006).

Annual Report
65
HUMAN RESOURCES HIGHLIGHT
IKHTISAR SUMBER DAYA MANUSIA
Pada 31 Desember tahun 2010, jumlah karyawan As of 31 December 2010, the number of Bank
Bank Muamalat mengalami kenaikan menjadi 2.946 Muamalat’s employees were 2.946 (an increase
orang (naik 41,43% dari akhir tahun 2009 sejumlah of 41,43% from end of 2009 of 2.083 employees).
2.083 karyawan). Dilihat dari komposisi karyawannya, Looking at the employee composition, the number of
karyawan dengan status tetap mengalami kenaikan full time employees increased to 1.242 (up 85,37%
menjadi 1.242 orang (naik 85,37% dari akhir tahun from end of 2009 of 670 people), contract employees
2009 sejumlah 670 orang), karyawan kontrak increased to 1.453 personnel (up 1.532% from the
mengalami kenaikan menjadi 1.453 (naik 1.532% dari year 2009 of 89 personnel).
tahun 2009 sejumlah 89 orang).
Namun demikian, untuk jumlah karyawan outsourcing Nevertheless, the outsourced employees experienced
mengalami penurunan menjadi 251 orang (turun 427% a decrease of 251 personnel (decreased 427% from
dari tahun 2009 sejumlah 1.324 orang). Kenaikan dan the year 2009 of 1.342 personnel). The fluctuation
penurunan didasari oleh adanya program akselerasi was due to the Company’s accelerated conversion
pengalihan karyawan outsourcing menjadi karyawan program of outsourced employees to full-time or
tetap maupun kontrak. contract employees.

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
KOMPOSISI KARYAWAN
Employee Composition
2.449
1.678
400
307
Division Head & Area Manager
Branch/Business Manager
70
69
28
28
Officer
Clerical
‘09 ‘10 ‘09 ‘10 ‘09 ‘10 ‘09 ‘10
STRUKTUR JABATAN 2009 DAN 2010

Structural Position 2009 and 2010
TINGKAT PENDIDIKAN
Educational Background
2.620
1.819
Pasca Sarjana
Postgraduated
296
Sarjana
228
Undergraduated
36
30
Diploma dan dibawahnya

Diploma or below
‘09 ‘10 ‘09 ‘10 ‘09 ‘10
BERDASARKAN USIA
Based on Ages
1.832
1.305
776
536
338
242
<30
31-40
>=41
‘09 ‘10 ‘09 ‘10 ‘09 ‘10

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COMPANY PROFILE
PROFIL PERSEROAN
BERDASARKAN MASA KERJA 2009

Based on Years of Services
1.742
<1 Tahun/Years
1-5 Tahun/Years
874
784
>5-10 Tahun/Years
664
351
306
189
>10 Tahun/Years
119
‘09 ‘10 ‘09 ‘10 ‘09 ‘10 ‘09 ‘10
Karyawan Bank Muamalat Karyawan Bank Muamalat

Bank Muamalat Employee Bank Muamalat Employee
759 orang 2.695 orang
36,44% 91,48%
63,56%
8,52%
Karyawan Outsource Karyawan Outsource
Outsourced Employee Outsourced Employee
1.324 orang 251 orang

Komposisi Karyawan 2009 Komposisi Karyawan 2010
Employee Composition 2009 Employee Composition 2010

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
Jumlah karyawan tersebut di luar karyawan The number of employees cited does not include those
dengan status borongan (Non Banking Staff) yang of Non-Banking Staff who are managed by third party.
pengelolaannya melalui kerjasama dengan pihak In 2010 there was an increase of 29,72% in employees
ketiga. Jumlah karyawan dengan status borongan with contract status from 2009 of 1.053 personnel to
mengalami kenaikan pada tahun 2010 menjadi 1.366 1.366 personnel. This was due to Bank Muamalat’s
orang (naik 29,72% dari tahun 2009 sejumlah 1.053). network expansion, thus Non-Banking Staff as
Hal ini dikarenakan jumlah jaringan Bank Muamalat drivers, security personnel and office attendance also
yang bertambah, sehingga karyawan dengan status increase.
borongan seperti driver, security dan office boy
mengalami kenaikan juga.
Tingkat pendidikan karyawan Bank Muamalat There was a significant increase in educational
mengalami peningkatan yang signifikan, khususnya degree of Bank Muamalat’s employees, especially
pada tingkat sarjana strata satu (S1). Hal ini dikarenakan those with undergraduate degrees. This is referring
kebijakan perusahaan yang mempersyaratkan S1. to the Company’s policy that requires employees with
Jumlah karyawan dengan tingkat pendidikan S1 undergraduate degree. The number of employees
mengalami kenaikan pada tahun 2010 menjadi with undergraduate degree in 2010 experienced an
sejumlah 2.620 orang (naik 44,03% dari tahun 2009 increase to 2.620 personnel (or up 44,03% from 2009
sejumlah 1.819 orang). of 1.819 personnel).
Untuk karyawan dengan tingkat pendidikan diploma There was an increase of 29,82% of employees with
tiga (D3) dan dibawahnya mengalami kenaikan three-year diploma degrees (D3) or below, from 228
pada tahun 2010 menjadi 296 orang (naik sebesar people in 2009 to 296 personnel in 2010. This was
29,82 % dari tahun 2009 sejumlah 228 orang). Hal due to the growing needs of workforce by employees
ini dikarenakan kebutuhan tenaga karyawan dengan with contract status , in line with the Bank’s growing
status borongan meningkat seiring bertambahnya networks. Meanwhile, there was a decrease in
jumlah jaringan. Sedangkan untuk karyawan dengan employees with postgraduate degrees in 2010 to 30
tingkat pendidikan sarjana strata dua (S2) mengalami personnel (down 20% from 2009 of 36 personnel).
penurunan pada tahun 2010 menjadi 30 orang (turun
sebesar 20% dari tahun 2009 sejumlah 36 orang).
Berdasarkan struktur jabatannya, pada 31 Desember Based on the Company’s structure, as of 31 December
2010 jumlah karyawan yang duduk sebagai Division 2010 the number of employees holding the positions
Head dan Area Manager sebanyak 28 orang serta of Division Head and Area Manager was 28 and the
Branch Manager/Business Manager sebanyak 69 number of employees holding the positions of Branch
orang. Manager/Business Manager was 69.
Untuk karyawan dengan level officer mengalami Employees with officer levels experienced an increase
kenaikan pada tahun 2010 menjadi 400 orang (naik to 400 people in 2010 (up 22,32% from 2009 of 327
22,32 % dari tahun 2009 sejumlah 327 orang). Hal ini people). This was due to full support of the management
disebabkan adanya dukungan penuh dari manajemen to MODP (Muamalat Officer Development Program),
terhadap program Muamalat Officer Development which has become the Company’s leading program
Program (MODP) yang menjadi program unggulan for preparing new officers for Bank Muamalat. In
perusahaan dalam mencetak officer baru Bank

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COMPANY PROFILE
PROFIL PERSEROAN
Muamalat. Selain itu, perusahaan juga membuka addition, Bank Muamalat also launched Muamalat
program Muamalat Officer Orientation Program Officer Orientation Program (MOOP), a specialized
(MOOP) yang merupakan program spesialisasi dalam program designed to groom officers with specific
rangka mencetak officer dengan keahlian khusus skills.
atau tertentu.
Komposisi karyawan dengan level clerical juga The composition of employees with clerical level also
mengalami kenaikan pada tahun 2010 menjadi experienced an increase in 2010 to 2.449 personnel
sejumlah 2.449 orang (naik 45,94 % dari tahun 2009 (up 45,94% from 2009 of 1.678 personnel). The
sejumlah 1.678 orang). Kenaikan ini disebabkan increase was due to the opening of Bank Muamalat’s
karena adanya pembukaan kantor jaringan baru Bank new offices, especially sub-branch offices.
Muamalat, khususnya pembukaan kantor cabang
pembantu.
Dilihat dari sisi usia, komposisi karyawan mengalami Based on age composition, there was a change in
perubahan dari tahun 2009 ke tahun 2010. Pada the employee composition, from 2009 to 2010. As of
31 Desember tahun 2010, jumlah karyawan berusia 31 December 2010, the number of employees aged
lebih atau sama dengan 41 tahun naik menjadi 41 years old or older increased to 338 personnel (up
338 orang (naik 39,66 % dari tahun 2009 sejumlah 39,66% from 2009 of 242 personnel). For employees
242 orang). Untuk karyawan berusia antara 31 s.d. aged between 31 to 40 years old, there was an
40 tahun mengalami kenaikan menjadi 776 orang increase to 776 personnel (up 44,77% from 2009 of 536
(naik 44,77% dari tahun 2009 sejumlah 536 orang). personnel). While, the number of employees aged 30
Sedangkan untuk karyawan berusia kurang atau years old or younger increased from 1.305 personnel
sama dengan 30 tahun naik menjadi 1.832 orang in 2009 to 1.832 personnel in 2010 (an increase of
(naik 40,38 % dari tahun 2009 sejumlah 1.305 orang). 40,38%). The increasing number of employees aged
Kenaikan karyawan pada kurang atau sama dengan 30 years old or younger was due to the opening of
30 tahun disebabkan adanya penambahan karyawan new offices, and the increasing number of employees
baru akibat penambahan jaringan kantor, sedangkan aged 31 years old or older was due to age.
kenaikan karyawan berusia 31 tahun keatas lebih
dikarenakan penambahan tahun.
Dari sisi masa kerja, komposisi karyawan juga By years of service, there was a change in employee
mengalami perubahan dari tahun 2009 ke tahun composition from 2009 to 2010. As of 31 December
2010. Pada 31 Desember tahun 2010, total karyawan 2010, the total number of employees with years
dengan masa kerja lebih dari 10 tahun meningkat of service of more than 10 years increased to 351
menjadi 351 orang (naik 14,70 % dari akhir tahun personnel (up 14,70% from 2009 of 306 personnel).
2009 sejumlah 306 orang). Karyawan dengan masa A number of employees with years of service between
kerja antara 1 s.d. 5 tahun juga mengalami kenaikan one and five years also increased to1.742 employees
menjadi 1.742 orang (naik 99,31 % dari tahun 2009 (up 99,31% from 2009 of 874 personnel). Meanwhile,
sejumlah 874 orang). Sedangkan karyawan dengan the number of employees with years of service of
masa kerja kurang dari satu tahun mengalami less than one year also increased to 664 personnel
kenaikan menjadi 664 orang (naik 457,98 % dari tahun (up 457,98% from 2009 of 119 personnel). The
2009 sejumlah 119 orang). Kenaikan jumlah karyawan increasing number of these employees was due to the

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
ini disebabkan karena perekrutan karyawan baru recruitment program in 2010 and the status change of
serta program pengalihan dari karyawan outsourcing employees from outsourced employees to contract or
menjadi karyawan kontrak dan tetap yang dikelola full time employees.
sendiri oleh perusahaan.
Adapun karyawan dengan masa kerja antara 5 s.d. There was a significant decrease of employees with
10 tahun mengalami penurunan tajam menjadi 189 years of service between five and ten years, to 189
orang (turun 314,81% dari tahun 2009 sejumlah 784 personnel (a 314,81% decrease from 2009 of 784
orang). Hal ini juga disebabkan adanya program personnel). This happened due to change of status
pengalihan outsourcing menjadi karyawan kontrak from outsourced employees to contract or full time
dan tetap Bank Muamalat yang pengelolaannya employees of Bank Muamalat, with the management
berubah dari pihak ketiga menjadi dikelola sendiri changed from having managed by a third party, now is
oleh Bank Muamalat. been managed by Bank Muamalat.
Dalam tahun 2010 pula, Bank Muamalat melakukan Also in 2010, Bank Muamalat conducted competence
program pengembangan kompetensi kepada para development program for the employees through
karyawannya melalui kegiatan training yang disusun training activities specially designed based on
secara khusus berdasarkan level jabatan, fungsi positions, functions and competence of the employees.
serta kompetensi masing-masing karyawan. Training The training was open for all employees because
ini bersifat terbuka bagi seluruh karyawan karena aside from being used as orientation program for
selain dijadikan program pengembangan karyawan new recruits, the training program was also a reward
pada saat awal masuk perusahaan, training ini juga for employees based on their work performance.
merupakan salah satu reward yang diberikan kepada Total funds invested for the training in 2010 reached
karyawan atas kinerjanya masing-masing. Total dana more than IDR 7 billion. The Company expects this
yang telah diinvestasikan dalam rangka training pada investment to bear positif result, such as employees’
tahun 2010 mencapai lebih dari 7 milyar. Perusahaan competence that is continuously improved from time
mengharapkan investasi berupa training ini to time to ultimately give positive contribution to the
mendapatkan hasil yang positif berupa kompetensi Company’s development in the future.
karyawan yang terus meningkat dari waktu ke waktu
sehingga pada akhirnya bisa berkontribusi positif
terhadap pengembangan perusahaan ke depan.
Adapun kegiatan training yang telah dilakukan Bank The training activities conducted by Bank Muamalat in
Muamalat pada tahun 2010 dibagi menjadi dua : 2010 were split into two elements:
a. Technical Skill a. Technical Skill

1. Pelaporan Bank, contohnya : LBUS (Laporan 1. Bank disclosure, such as: LBUS (Sharia Bank
Bank Umum Syariah) General Disclosure)
2. Treasury, contohnya : Managing Treasury 2. Treasury, such as: Managing Treasury Risk
Risk and Understanding The Treasury and Understanding the Treasury Product’s
Product’s Valuation, Basic Treasury Valuation, Basic Treasury Management,
Management, Identifikasi ALMA Modern Identification of modern market-based risk
Berbasis Risiko pasar, kredit dan Likuiditas, ALMA, credit and liquidity, Treasury & Capital
Traesury & Capital Market : Risk Limit Market: Risk Limit Measurement & Valuation,
Measurment & Valuation, Stress Testing on Stress Testing on Banking Exposure.
Banking Exposure.

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COMPANY PROFILE
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3. Manajemen Risiko, contohnya : Training 3. Risk Management, such as: Risk Management
Manajemen Risiko & Uji Kompetensi Training & Risk Management Competence
Manajemen Risiko, Training Mengelola Test, Training of Managing and Calculation of
& Menghitung Kecukupan Modal Risiko Operational Risk Capital Adequacy.
Operasional.
4. Sosialisasi Ketentuan Perbankan, contohnya 4. Banking Regulations Socialization, such
: Sosialisasi APU/PPT, Sosialisasi Sharia as: Socialization of Money Laundering
Enlightenment , Training Siskohat. Regulations and Terrorist Funding
Regulations (APU/PPT), Socialization of
Sharia Enlightenment, Training of Integrated
Hajj Coordination System (Siskohat).
5. Audit, contohnya : Sharia Internal Audit 5. Audit, such as: Sharia Internal audit Training,
Training, Training Certified Information Training Certified Information System Auditor
System Auditor (CISA) Review Course, (CISA) Review Course, Training Resident
Training Resident Audit (November), audit (November), National Seminar of
Seminar Nasional Internal Audit tahun 2010. Internal Audit in 2010.
6. Manajemen Umum, contohnya : Training 6. General Management, such as: Induction
Induksi, Analisis Pembiayaan Bank Syariah. Training, Sharia Banking Financing Analysis.
7. Manajemen Perbankan, contohnya : 7. Banking Management, such as: Developing
Mengembangkan Mikro Banking di Micro Banking in Indonesian Banking Industry,
Perbankan Indonesia, Seminar Economic Seminar on Economic & Banking Outlook
& Banking Outlook 2012, Memperkuat 2012, Strengthening Bank Management in
Manajemen Bank Dalam Rangka order to Realize Sound Banking System,
Mewujudkan Sistem Perbankan yang Sehat, Graphonomy Training , Taxation Training,
Training Graphonomi, Training Taksasi, Account Manager Fundamental Training,
Training Account Manager Fundamental, Domestic Operation Training, Training
Training Domestic Operation, Training Services for Frontliners.
Services for Frontliners.
b. Soft Skill b. Soft Skill
1. Customer Relationship Skill, contohnya 1. Customer Relationship Skill, such as Account

Account Manager & Customer Services Manager & Customer Services Training
Training
2. Leadership, contohnya Pelatihan MSDM, 2. Leadership, such as: Human Resources
Kepemimpinan Efektif, Branch Manager Management Training, Effective Leadership,
Training, Beyond Banker`s Spirit Training Branch Manager Training, Beyond Banker`s
Spirit Training
3. Analisa Masalah dan Pengambilan 3. Decision Making & Problem Solving
Keputusan (Decision Making & Problem
Solving)
4. Teknik Presentasi & Komunikasi, contohnya 4. Presentation & Communication Skills, such as
Selling & Negotiation Skill Selling & Negotiation Skills
Program training yang akan dilakukan Bank The training programs set to be conducted by Bank
Muamalat pada tahun 2011 dibedakan sesuai Muamalat in 2011 will be differentiated based on
dengan strata jabatan, job grading, job positions, job grading and job description referring
description yang mengacu kepada perencanaan to career and individual development planning.
jenjang karir dan rencana pengembangan
individu.

Annual Report
SUBSIDIARIES
ANAK PERUSAHAAN
BAITULMAAL MUAMALAT (BMM) BAITULMAAL MUAMALAT (BMM)
Bank Muamalat pada tahun 1994 membentuk In the year 1994, Bank Muamalat established ZIS
unit pengelola dana Zakat, Infak, dan Sedekah (Zakat, Infaq, and Sedekah [AIms]) fund management
(ZIS), serta dana sosial kebajikan yang kemudian units, and benevolence fund, which later would
disebut Baitulmaal. Unit yang awalnya didirikan atas be called Baitulmaal. The unit which was originally
dasar tanggung jawab Bank Muamalat terhadap intended as Bank Muamalat’s responsibility on micro
pemberdayaan ekonomi mikro ini, pada tanggal 16 economic empowerment. On 16 June 2000, it was
juni 2000 diresmikan sebagai yayasan Baitulmaal officially renamed as Baitulmaal Muamalat Foundation.
Muamalat.
Kemudian, sesuai tuntutan masyarakat akan lembaga Later, following public demand for independent and
amil zakat yang independen dan profesional, dan professional amil zakat institution, and in compliance
UU no.38 tahun 1999, pada tanggal 22 Desember of law Number 38 Year 1999, on 22 December
2000 badan hukum Yayasan Baitulmaal Muamalat 2000 Baitulmaal Muamalat Foundation was officialy
dikukuhkan sebagai lembaga amil zakat nasional oleh recognized as national amil zakat institution by
Menteri agama Republik Indonesia. Minister of Religious Affairs of Republic of Indonesia.
Baitulmaal Muamalat memfokuskan kegiatannya Baitulmaal Muamalat focuses its activities in three
dalam 3 aspek : aspects:
a. Mengelola dana-dana sosial sesuai prinsip a. Managing social funds in accordance with Islamic
syariah Islam sharia principles.
b. Mengembangkan komunitas yang mandiri, b. Developing communities which are independent,
tumbuh dan berkarakter growing and characteristically good.
c. Menjadi mediator pengembangan usaha dan c. Becoming a mediator of business development
lembaga keuangan mikro syariah. and sharia micro financial institutions.
Kegiatan-kegiatan tersebut dilaksanakan dengan Those activities are implemented by functioning and
memfungsikan dan memanfaatkan jaringan kantor utilizing Bank Muamalat service office network which
layanan Bank Muamalat yang tersebar di seluruh spreads all over the archipelago.
wilayah Nusantara, Indonesia.
Baitulmaal Muamalat telah mendapat kepercayaan Baitulmaal Muamalat has received trust and
dari badan internasional seperti Islamic Development recognition from international bodies, such as Islamic
Bank dan menjadi model pemberdayaan di Development Bank, and it becomes empowerment
Indonesia yang menjalankan fungsi Corporate Social model in Indonesia, and functions as Bank Muamalat‘s
Responsibility Bank Muamalat. Corporate Social Responsibility implementing partner.
Layanan pembayaran BMM dengan nomor rekening BMM payment service with Bank Muamalat account
Bank Muamalat sebagai berikut: number is as follows:
t Zakat : 301.00001.12 t Zakat : 301.00001.12
t Infaq (Sumbangan Umum) : 301.00002.12 t Infaq (general donation) : 301.00002.12
t Bantuan Kemanusiaan : 301.00014.12 t Help for Humanity : 301.00014.12
www.baitulmaal.net/home
Gedung Dana Pensiun Telkom 2nd Floor
Jalan Letjen S. Parman Kav. 56 Jakarta 11410
Indonesia
Telepon : +6221 532 6744
Faksimile : +6221 532 6731

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COMPANY PROFILE
PROFIL PERSEROAN
DPLK MUAMALAT DPLK MUAMALAT
“Bersama DPLK Muamalat, jadikan masa pensiun “Together with DPLK Muamalat, turn your retirement
masa keemasan Anda” into a golden age.”
Dana Pensiun Lembaga Keuangan (DPLK) Muamalat, Retirement Fund Financial Institution (DPLK)
merupakan suatu badan hukum yang didirikan oleh Muamalat is a legal entity which was established by
PT Bank Muamalat Indonesia, Tbk pada tanggal Bank Muamalat on 12 September 1997, and legalized
12 September 1997 dan disahkan berdasarkan SK by the decree of Minister of Finance Number Kep-
Menteri Keuangan Nomor Kep-485/KM.17/1997 485/KM.17/1997 dated 10 October 1997. Retirement
tanggal 10 Oktober 1997. Program pensiun yang fund program being implemented is Fixed Premium
dilaksanakan adalah Program Pensiun Iuran Pasti Pension Program (PPIP). DPLK Muamalat offers
(PPIP). DPLK Muamalat menawarkan kemudahan simplicity in planning the future finance for employees
perencanaan keuangan masa depan bagi karyawan or independent workers, and it manages customers’
maupun pekerja mandiri dan pengelolaan dana funds professionally as the long-term investment in
nasabahnya dilakukan secara professional sebagai the form of customer’s private account. Therefore,
investasi jangka panjang dalam wujud rekening regardless of the customer’s profession, he or she can
pribadi nasabah. Sehingga, apapun profesi nasabah, have a guarantee to have continuous income when
bisa mendapat jaminan kesinambungan penghasilan he retires in the future, if the customer joins DPLK
selama masa pensiun kelak jika telah menjadi peserta Muamalat.
DPLK Muamalat.
Beragam pilihan umur pensiun, pengelolaan dana Various choices of retirement ages, sharia fund
secara syariah, beragam paket investasi dengan hasil management, various investment package with
pengembangan yang kompetitif, fleksibel, jaringan competitive and flexible development result, broad
luas dan akses 24 jam menjadi faktor keuntungan network and 24-hours access are all the beneficial
bagi nasabah untuk mempersiapkan lebih dini masa factors for customers to prepare their retirement
pensiunnya di DPLK Muamalat. ahead in DPLK Muamalat.
Keuntungan bagi perusahaan yang mengikutsertakan Benefits for companies that enroll their employees as
karyawannya sebagai peserta DPLK diantaranya DPLK participants are, among others, no tax cost (Pph
adalah tidak dibebankan pajak (Pph 25), sebagai 25), as the way to prepare severance pay/retirement
sarana untuk mempersiapkan pesangon/dana pay for their employees (according to Law Number
pensiun karyawannya (sesuai UU Nomor 13 Th 2003 13 Year 2003 concerning Labor); and can report to
tentang Ketenagakerjaan) serta dapat melaporkan ke Minister of Finance as a body that organizes pension
Kementerian Keuangan sebagai badan yang telah funds.
menyelenggarakan dana pensiun.
Pada tahun 2010, nilai aktiva bersih sebesar Rp 266,29 In the year 2010, net assets value was IDR 266,29
Miliar dengan pengelolan asset yang dilakukan secara billion with asset management done separately from
terpisah dari asset PT Bank Muamalat Indonesia, Tbk. the assets of PT Bank Muamalat Indonesia, Tbk. The
Jumlah kepesertaan sebesar 37.687 peserta yang number of participation is 37.687, consisting of 25.267
terdiri dari 25.267 peserta mandiri dan 12.420 peserta independent workers and 12.420 participants from
kelompok dari 142 kelompok/perusahaan. 142 groups/companies.
MUAMALAT INSTITUTE
www.dplkmuamalat.com
Gedung Arthaloka 9th Floor
Jalan Jenderal Sudirman Kav. 2 Jakarta 10220
Indonesia
Telepon : +6221 2511303
Faksimile : +6221 2511438

Annual Report
COMPANY PROFILE
PROFIL PERSEROAN
MUAMALAT INSTITUTE
Muamalat Institute (MI) didirikan pada tahun
1999, namun cikal bakalnya telah ada sejak tahun Muamalat Institute (MI) was established in the year
1992 dengan nama Lembaga Pendidikan dan 1999, but the embryo had already existed in 1992
Pengembangan Perbankan Syariah (LPPBS). with the name LPPBS (Lembaga Pendidikan dan
Pendirian Muamalat Institute adalah dalam rangka : Pengembangan Perbankan Syariah / Educational
and Development Institution of Sharia Banking )
The establishment of Muamalat Institute has several
1. Meningkatkan kehidupan ekonomi masyarakat, purposes, which are:
khususnya umat Islam di Indonesia melalui 1. Improving economic condition for communities,
pendirian lembaga-lembaga berdasarkan prinsip especially Muslims in Indonesia through the
syariah. formation of institutions holding sharia principles.
2. Menumbuhkembangkan dan mensosialisasikan
lembaga keuangan syariah di Indonesia sehingga 2. Growing, developing and socializing sharia
dapat menjadi salah satu fondasi perekonomian financial institutions in Indonesia so that they can
bangsa. be part of the nation’s economic foundations.
3. Mencetak tenaga-tenaga profesional berkualitas
yang menguasai prinsip-prinsip ekonomi syariah 3. Producing quality, professional workers who are
sehingga dapat lebih berperan serta dalam deeply knowledgable about sharia economy
pengembangan ekonomi Indonesia. principles so that they can participate better in
4. Mengembangkan, menyosialisasikan dan developing Indonesia’s economy.
memberikan pendidikan mengenai sistem 4. Developing, socializing and educating sharia
ekonomi syariah kepada masyarakat Indonesia, economic system to Indonesian people,
khususnya umat Islam. especially Muslims.
Untuk dapat mencapai hasil tersebut MI memberikan

jasa di bidang riset, pelatihan, konsultasi, dan To reach those targets, Muamalat Institute provides
publikasi. services in research, training, consultation and
publication.
www.muamalat-institute.com
Muamalat Institute Karawaci Office
Gedung Dana Pensiun Telkom 2nd Floor Park–Ruko Pinangsia
Jalan S. Parman Slipi Jakarta 11410 Jalan Futuris No. 3-5, Tangerang
Indonesia Indonesia
Telepon : +6221 5326744 Telepon : +6221 55769783
Faksimile : +6221 5326735 Faksimile : +6221 5326735

Annual Report
75
COMPANY PROFILE
PROFIL PERSEROAN
AL-IJARAH INDONESIA FINANCE

AL-IJARAH INDONESIA FINANCE
PT Al Ijarah Indonesia Finance (ALIF) merupakan
perseroan terbatas yang dibentuk untuk melayani PT Al-Ijarah Indonesia Finance (ALIF) is a limited
kebutuhan pembiayaan bagi seluruh masyarakat company established to serve financial needs of
Indonesia. ALIF mulai beroperasi pada 27 Agustus all communities throughout Indonesia. ALIF has
2007 dan berkantor pusat di Jalan Sudirman Kav.2, operated since 27 August 2007 and is headquartered
Gedung Arthaloka, Lantai 3, Jakarta. in Arthaloka Building 3rd Floor , Jalan Sudirman Kav.2,
Jakarta.
Produk pembiayaan yang ditawarkan adalah
pembiayaan korporasi yang meliputi pembiayaan alat- Financing products offered by ALIF are corporation
alat berat, mesin-mesin dan pembiayaan kendaraan financing covering heavy machinery financing,
komersil seperti pembiayaan kendaraan mobil engines and commercial vehicles financing, post-duty
baru, mobil purna pakai dan sepeda motor dengan cars and motorcycles with payment schemes such as
skema pembiayaan berupa Ijarah (penyewaan Ijarah Ijarah (Ijarah Muntahia Bittamlik Lease) and Murabaha
Muntahia Bittamlik (sewa beli), dan Murabahah (jual (Sales).
beli).
Jumlah Saham yang dimiliki Presentase Kepemilikan

Nama Pemilik / Owners Name
Number of Shares Percentage Ownership
PT Bank Muamalat Indonesia, Tbk. 35.000.000 33,33%
Boubyan Bank 35.000.000 33,33%
Alpha Lease & Finance Holding BSC 35.000.000 33,33%
www.alijarahindonesia.com
Gedung Arthaloka 3rd Floor
Jalan Sudirman Kav. 2
Jakarta 10220
Indonesia
Telepon : +6221 2512524, 25
Faksimile : +6221 2512542

Annual Report
AWARDS AND CERTIFICATIONS
SERTIFIKASI DAN PENGHARGAAN
INTERNATIONAL ACHIEVEMENTS
2010
Islamic Finance News Award 2010

Best Islamic Bank in Indonesia

Annual Report
77
AWARDS AND CERTIFICATION
SERTFIKASI DAN PENGHARGAAN
THE MOST Malam Peduli Konsumen Perbankan 2010

OUTSTANDING Bank Indonesia
ACHIEVEMENT Ranked First in Customers Complaint Handling
2010 Criteria:
1. Best Coordination and Report to Bank Indonesia
2. Compliance to Central Bank Regulations in Relation
to Complaint Handling
INTERNATIONAL ACHIEVEMENTS
2010
Global Finance Award 2010 Alpha South East Asia Award 2010
The Best Islamic Financial Institution in Indonesia Best Islamic Local Bank in Indonesia
Islamic Finance News Award 2010 The Asset Asian Award 2010
The Best Islamic Bank in Indonesia Islamic Bank of The Year in Indonesia

Annual Report
SIGNIFICANT NATIONAL ACHIEVEMENTS
2010
Property and Bank Award 2010 Indonesian Bank Loyalty

The Most Favorite Sharia Banking Hall The Best Of “ INDONESIAN BANK LOYALTY CHAMPION
OTHERS
PERHUMAS Award 2010 Jurnal Nasional Award

2nd Winner of National Best Websites Best Business Partner

Annual Report
79
2009
2009

Annual Report
2008

Annual Report
81
SIGNIFICANT EVENTS
PERISTIWA PENTING
1.
No. Februari / February

1. PENGHARGAAN : Direktur Bank Muamalat, Luluk Mahfudah AWARDS : Director of Bank Muamalat, Luluk Mahfudah,
menerima penghargaan dari ahli pemasaran Hermawan Kertajaya received an award from Hermawan Kartajaya, during
dalam rangka Indonesian Bank Loyalty Award (IBLA) 2010. Bank Indonesian Bank Loyalty Award (IBLA) 2010. Bank
Muamalat menerima penghargaan ini dengan kategori The Muamalat was given the award with the category The Best
Best Islamic Saving Account . Dalam lima tahun terakhir, Bank Islamic Savings Account. Within the last five years, Bank
Muamalat setidaknya telah menerima 70 penghargaan nasional Muamalat has won 70 awards, in national and international
maupun internasional. levels.
2. 3.
No. Maret / March

2. EKSPANSI LAYANAN : Direktur Bank Muamalat Adrian A. Gunadi SERVICE EXPANSION : Director of Bank Muamalat, Adrian
(kanan) menerima ucapan selamat dari Bupati Kotawaringin Timur A. Gunadi (Right) was congratulated by Kotawaringin
Wahyudi Kaspul Anwar usai acara launching Kantor Layanan di Timur regent, Wahyudi Kaspul Anwar, during the launch
Sampit. Pionir perbankan syariah ini menghimpun dana ritel of Muamalat office in Sampit. The Bank, the first sharia
dengan mengandalkan fitur tarik tunai gratis hampir di ATM semua bank in the country, collects retail funds from customers
Bank di Indonesia. by providing free-of-charge cash withdrawal feature from
ATMs from almost all banks operating in Indonesia.
3. RELAUNCHING BANK MUAMALAT LAMPUNG : RE-LAUNCH OF BANK MUAMALAT LAMPUNG : Director

Direktur Bank Muamalat, Andi Buchari (kedua dari kiri) of Bank Muamalat, Andi Buchari (second from Left)
meluncurkan tabungan Haji Arafah disaksikan Ketua Majelis launched Tabungan Haji Arafah, A Haj savings program,
Ulama Indonesia (MUI) Propinsi Lampung, Mawardi AS (tengah) witnessed by Chairman of Indonesian Ulema Council (MUI)
pada acara Business Gathering dan Relaunching Kantor Layanan for Lampung province chapter, Mawardi AS (center) during
Bank Muamalat Cabang Lampung (9/3) di Bandar Lampung. Business Gathering and Re-launch of Bank Muamalat
Disaksikan oleh Area Manager Sumatera Bank Muamalat, office, Lampung branch (9/3) in Bandar Lampung. The
Bambang Kusnadi (kiri), Kepala Kantor Wilayah Departemen event was also attended by Bank Muamalat Area Manager
Agama Provinsi Lampung, Syakhroni Makhsum dan Branch for Sumatra, Bambang Kusnadi (Left), Head of Religious
Manager Bank Muamalat Cabang Lampung (paling kanan), Kadar Affair Office of Lampung Province, Syakhroni Makhsum
Budiman. Bank Muamalat terus meningkatkan loyalitas nasabah and Branch Manager of Bank Muamalat Lampung, Kadar
melalui reformasi perbankan dan pelayanan. Budiman (far right). Bank Muamalat continues to win
its customers’ confidence through its transformation in
banking and services.

Annual Report
SIGNIFICANT EVENTS
PERISTIWA PENTING
4. 5.
No. April / April

4. KIPRAH KARTINI DALAM INDUSTRI KEUANGAN SYARIAH : EVER-GROWING ROLES OF WOMEN IN SHARIA
Deputi Gubernur Bank Indonesia, Muliaman D. Hadad bersama FINANCIAL INDUSTRY : Deputy Governor of Bank
Direktur Bank Muamalat Luluk Mahfudah menjadi pembicara Indonesia, Muliaman D. Hadad, along with Director of
dalam Dialog “Membangun Ketahanan Usaha Perbankan Bank Muamalat, Luluk Mahfudah, were the speakers in the
Syariah”. Dalam dialog yang mengambil tema Kiprah Srikandi- dialog “Membangun Ketahanan Usaha Perbankan Syariah”
Srikandi dalam Industri Perbankan Syariah di Indonesia ini, Luluk (Business Sustainability in Sharia Banking). In the dialog,
Mahfudah menyampaikan peluang dan tantangan yang dihadapi which discussed the theme Roles of Women of Strength
industri keuangan syariah mulai dari aspek Teknologi Informasi in Sharia Banking Industry in Indonesia, Luluk Mahfudah
(IT), Sumber Daya Manusia (SDM), Modal, hingga Regulasi. Acara mentioned the opportunities and challenges faced by
ini dilaksanakan bertepatan dengan Hari Kartini (21/4) di Jakarta. sharia financing industry, from the aspects of information
technology, human resources, capital to regulations. The
event was held in Jakarta on 21 April 2010, the date which
also marked Kartini Day in Indonesia.
5. DELEGASI RUSIA KUNJUNGI BANK MUAMALAT RUSSIAN DELEGATION VISITED BANK MUAMALAT:
Direktur Bank Muamalat, Farouk A Alwyni (paling kanan) Director of Bank Muamalat, Farouk A. Alwyni (far right)
menjelaskan layanan kepada Head of International Tax Practice explained the types of services to Head of International
Pepeleaev Rusia, Roustam Vakhitov (kedua kiri); Ketua Kadin Tax Practice Pepeleaev Rusia, Roustam Vakhitov (second
Indonesia Komite Rusia, Didie W Soewondho (paling kiri); dan from Left); Head of Indonesian Chamber of Commerce,
Paul Wouters, pengacara dari Bener Law Office (Belgia); di Russia Committee, Didie W. Soewondho (far Left); and
Jakarta, Senin (19/4). BMI memfasilitasi pengusaha Indonesia di Paul Wouters, a lawyer from Bener Law Office (Belgium)
acara International Exhibition For Halal Product and Services yang in Jakarta on Monday 19 April 2010. BMI acted as
digelar di Moscow, Rusia, pada Juni 2010. the facilitator for Indonesian businesspeople during
International Exhibition For Halal Product and Services held
in Moscow, Russia, in June 2010.
6. 7.
No. Mei / May

6. Direktur Bank Muamalat Farouk A. Alwyni (kanan) menandatangani Director of Bank Muamalat, Farouk A. Alwyni (Right) signed
nota kesepahaman (MoU) bersama CEO Elaf Bank Bahrain, Jamil an MOU with CEO of Elaf Bank, Bahrain, Jamil El-Jaroudi.
El-Jaroudi. Melalui MoU ini Bank Muamalat mengembangkan With this MOU Bank Muamalat expanded the bank’s sharia
arrangement pasar keuangan syariah di Bahrain. Pioneer financial market arrangement to Bahrain. The Bank also
perbankan syariah ini juga telah bekerjasama dengan Elaf cooperates with Elaf Bank, and with other sharia banks, in
Bank dalam sindikasi fasilitas pembiyaan ijarah bagi industri facilitating ijarah funding for aviation industry totaling USD
penerbangan senilai USD31 juta bersama perbankan syariah lain. 31 million.
7. KERJASAMA LINTAS BENUA : Direktur Utama Bank Muamalat, INTERCONTINENTAL COOPERATION : President Director
Arviyan Arifin (tengah) menandatangani MoU bersama Chief of Bank Muamalat, Arviyan Arifin (center) signed an MOU
Executive Officer of Asian Finance Bank, Datuk Mohamed Azahari with Chief Executive Officer of Asian Finance Bank, Datuk
Kamil (kanan). Sementara AFB langsung diwakili oleh CEO induk Mohamed Azahari Kamil (right). AFB was represented by the
bisnisnya (Qatar Islamic Bank), Salah Al-Jaidah (kiri) pada acara Bank’s core business CEO (Qatar Islamic Bank), Salah Al-
World Islamic Economic Forum (WIEF) ke-6 di Kuala Lumpur, Jaidah (left) during the 6th World Islamic Economic Forum
Malaysia. Penandatanganan MoU untuk pengembangan produk (WIEF) in Kuala Lumpur, Malaysia. The MOU contained
Pendanaan Likuiditas Syariah, Sukuk Global dan Surat berharga details on developing products of Sharia Liquidity Funding,
Syariah bagi pasar Indonesia ini disaksikan oleh Presiden Susilo Global Sukuk and Sharia securities for Indonesian market.
Bambang Yudhoyono (SBY), PM Malaysia Najib Tun Razak dan 5 The event was attended by President Susilo Bambang
Kepala Pemerintahan dari Negara lainnya yaitu Raja Brunei, PM Yudhoyono of Indonesia, PM Najib Tun Razak of Malaysia,
Bangladesh, Presiden Kosovo, Presiden Senegal, dan Presiden Sultan of Brunei Darussalam, Bangladeshi Prime Minister,
Maldive President of Kosovo, President of Senegal and President of
The Maldives.

Annual Report
83
SIGNIFICANT EVENTS
PERISTIWA PENTING
8.
No. Juli / July

8. BIDIK NASABAH RASIONAL: Direktur Bank Muamalat Andi TARGETING CUSTOMERS WITH SENSIBLE JUDGMENTS:
Buchari (tengah) dan Wakil Pemimpin Bank Indonesia Denpasar, Director of Bank Muamalat, Andi Buchari (center) and
I Gusti Made Sadguna (paling kiri) menyaksikan pemukulan gong Vice Chairman of Bank Indonesia’s Denpasar, I Gusti
oleh Wakil Walikota Denpasar, I Gusti Ngurah Jayanegara sebagai Made Sadguna (far left) witnessed the vice mayor of
tanda relokasi kantor cabang ke Jalan Teuku Umar, Denpasar, Denpasar offices, I Gusti Ngurah Jayanegara, sound
Bali untuk tingkatkan Dana Pihak Ketiga (DPK) nasabah asing the gong, marking the relocation of BMI branch office to
dan non-muslim di wilayah tersebut. Acara ini disertai dengan Jalan Teuku Umar, Denpasar, Bali. The move is part of
penyerahan bantuan oleh BaitulMaal Muamalat (BMM) berupa the Bank’s strategy to collect third party funds from more
dana pendidikan untuk 100 orang pelajar SD berprestasi, paket foreign and non-muslim customers in the area. In the event
sembako buat 100 orang masyarakat kurang mampu, serta the management handed over aid through BaitulMaal
layanan kesehatan gratis bagi masyarakat setempat. Muamalat (BMM) in the form of education funds for 100
elementary students with high achievements, staples for
100 underprivileged families and free health services for
the community.
9. 10.
No. Agustus / August

9. BIDIK SEKTOR PROPERTI : Direktur Bank Muamalat, Adrian A. TARGETING PROPERTY SECTOR : Director of Bank
Gunadi (paling kanan) menekan tombol menandai Peluncuran Muamalat, Adrian A. Gunadi, (far right) pushing the button
Produk Pembiayaan Hunian Syariah Muamalat bersama Ketua marking launch of, Peluncuran Produk Pembiayaan Hunian
DPD Asosiasi Perumahan Sederhana Indonesia (APERSI) Syariah Muamalat (Sharia Muamalat Home Financing
Jawa Timur, Nurhadi (paling kiri), Sekertaris DPD Real Estate Product) with chairman of APERSI (Indonesian Low-Cost
Indonesia (REI) Jawa Timur, H.M. Nur Wakhid (kedua kiri), dan Housing Association), East Java chapter, Nurhadi (far left),
Area Manager Bank Muamalat Wilayah Jawa Timur, Bali & Nusa Secretary of REI (Indonesian Real Estate Association) East
Tenggara, Setiabudi di Surabaya. Sampai akhir semester I 2010, Java chapter, H.M. Nur Wakhid (second left), and Area
portofolio pembiayaan sektor properti yang disalurkan Bank Manager of Bank Muamalat for East Java, Bali and Nusa
Muamalat telah mencapai lebih dari Rp 2 triliun, atau mengalami Tenggara, Setiabudi, in Surabaya. As of end of the first
peningkatan lebih dari 11% dibanding posisi Desember 2009. quarter of 2010, the Bank’s portfolio recorded IDR 2 trillion
of funding for property sector. This is an increase of more
than 11% from December 2009.
10. GARAP PEMBIAYAAN AUTOMOTIF: Direktur Utama Bank EXPANSION TO AUTOMOTIVE FINANCING : President
Muamalat, Arviyan Arifin (kedua kiri) bertukar naskah Perjanjian Director of Bank Muamalat, Arviyan Arifin (second from
Kerjasama dengan Direktur Utama Alijarah Indonesia Finance left) exchanged MOU documents with President Director
(ALIF), Herbudhi S. Tomo (kedua kanan) disaksikan oleh Direktur of Alijarah Indonesia Finance (ALIF), Herbudhi S. Tomo
Bank Muamalat Adrian A. Gunadi (paling kiri) dan Direktur Alijarah (second from right), witnessed by Director of Bank
Indonesia Finance, Efrinal Sinaga (paling kanan) di Jalarta (30/8). Muamalat, Adrian A. Gunadi (far left) and Director of
Melalui kerjasama dengan ALIF garap Automuamalat yang Alijarah Indonesia Finance, Efrinal Sinaga (far right) in
merupakan produk pembiayaan kendaraan bermotor berbasis Jalarta (30/8). With the MOU, BMI cooperates with ALIF
syariah berjangka waktu maksimal 4 tahun. in sharia-based automotive financing scheme with the
maximum terms of up to four (4) years.

Annual Report
SIGNIFICANT EVENTS
PERISTIWA PENTING
11.
No. September / September

11. PERLUAS EDUKASI PERBANKAN SYARIAH : Direktur Bank EXPANDING SHARIA BANKING EDUCATION AND
Muamalat, Andi Buchari (kiri) bertukar Nota Kesepahaman dengan TRAINING : Director of Bank Muamalat, Andi Buchari (left)
Direktur Politeknik Negeri Jakarta, Prof. Dr. Johny Wahyuadi exchanged MOU documents with Director of Jakarta
Mudaryoto (kanan) di Depok (2/9), melalui anak perusahaannya, State School of Polytechnic, Prof. Dr. Johny Wahyuadi
Muamalat Institute (MI) dan Baitumaal Muamalat (BMM), Bank Mudaryoto (left) in Depok (2/9). Through its subsidiaries,
Muamalat mengembangkan kerja sama edukasi perbankan Muamalat Institute (MI) and Baitumaal Muamalat (BMM),
syariah lewat penyediaan tenaga pengajar dan laboraturium Bank Muamalat establishes collaboration in sharia banking
lembaga keuangan mikro syariah bagi civitas akademika Politeknik education by providing teachers and trainers, and sharia
Negeri Jakarta. Kerja sama ini, diharapkan akan mengkader SDM micro financing laboratory for students and staff of Jakarta
yang handal dan memahami perbankan syariah hingga lini praktis, State School of Polytechnic. With the cooperation, it is
guna mengakomodir cepatnya pertumbuhan industri perbankan hoped that Indonesia will have more capable human
syariah di tanah air. resources who understand sharia financing, including
its practices, to accommodate the rapid growth of sharia
banking industry in the country.
12. 13. 14.
No. Oktober / Oktober

12. EKSPANSI PEMBIAYAAN INTERNASIONAL : Direktur Bank EXPANSION IN INTERNATIONAL FUNDINGS : Director
Muamalat Luluk Mahfudah (kedua kiri) menandatangani nota of Bank Muamalat, Luluk Mahfudah (second from left),
perjanjian bersama Direktur TH Indopalms Sdn. Bhd. Datuk Zainal signed MOU with Director of TH Indopalms Sdn. Bhd.,
Azwar bin Zainal Aminuddin (ketiga kiri) dan Datuk Rashidi bin Datuk Zainal Azwar bin Zainal Aminuddin (third from left)
Omar (kedua kanan), serta komisaris PT. TH Indo Plantations and Datuk Rashidi bin Omar (second from right), and
Badai Sakti Daniel (paling kanan). Didampingi oleh Branch commissioner of PT. TH Indo Plantations Badai Sakti,
Manager Bank Muamalat Kuala Lumpur, Afrid Wibisono (paling Daniel (far right), accompanied by Branch Manager of
kiri) di hotel Shangrila Jakarta (18/10). Bank Pertama Murni Syariah Bank Muamalat Kuala Lumpur, Afrid Wibisono (far left)
ini menyalurkan fasilitas pembiayaan Murabahah senilai US$ 14 at hotel Shangrila Jakarta (18/10). With this cooperation,
juta untuk pembelian dan impor pupuk, solar, dan kebutuhan Bank Muamalat Indonesia will provide murabaha financing
operasional PT. TH Indo Plantations, subsidiary dari Tabung Haji, facilities, worth US$ 14 million for the purchase and import
lembaga penghimpun dana haji Malaysia. of fertilizers, diesel gasoline and operational necessities of
PT. TH Indo Plantations, subsidiary of Tabung Haji, a Haj
funding institution in Malaysia.
13. MUAMALAT JAWARA PEDULI KONSUMEN : Direktur Utama Bank MUAMALAT LEADING IN CUSTOMER CARE : President
Muamalat Arviyan Arifin menerima penghargaan dari Gubernur Director of Bank Muamalat, Arviyan Arifin, accepted an
Bank Indonesia Darmin Nasution dalam Malam Peduli Konsumen award from Governor of Bank Indonesia, Darmin Nasution,
Perbankan di Hotel Borobudur, Jakarta 25/10. Pionir perbankan at the event Malam Peduli Konsumen Perbankan (Customer
syariah di Indonesia ini meraih penghargaan sebagai Bank Care Banking Evening) at Hotel Borobudur, Jakarta
dengan penyelesaian Pengaduan Nasabah Terbaik mengungguli (25/10). The Indonesian first sharia bank was chosen as
bank konvensional dan syariah lainnya. the bank with the best response to customer’s complaints.
Bank Muamalat beats conventional banks and other sharia
banks.
14 MUAMALAT APRESIASI LOYALITAS NASABAH : Direktur Bank MUAMALAT SHOWED APPRECIATION FOR ITS LOYAL
Muamalat Adrian A. Gunadi (paling kanan) berbincang bersama CUSTOMERS : Director of Bank Muamalat, Adrian A.
Deputi Pemimpin Bank Indonesia Bandung Sri R A Faisal (kedua Gunadi (far right), talked to one of deputies of Bank
kiri), selepas pencanangan program Bulan Diskon Muamalat Indonesia Bandung, Sri R. A. Faisal (second from left), after
disaksikan oleh Direktur Bank Muamalat Andi Buchari (kedua the launch of Bulan Diskon Tabungan Muamalat (Muamalat
kanan) dan Direktur Bank Muamalat Hendiarto (paling kiri) Sabtu Savings Discount Month) program, witnessed by Director
23/10. Bank Pertama Murni Syariah di Indonesia ini meluncurkan of Bank Muamalat, Andi Buchari (second from left) and
program Bulan Diskon Tabungan Muamalat di Ciwalk, Bandung. Director of Bank Muamalat, Hendiarto (far left), on Saturday
Bersamaan dengan penganugerahan hadiah bagi pemenang (23/10). Bank Muamalat launched the program at Ciwalk,
program Muamalat Berbagi Rezeki. Bandung. The event coincided with the bank’s awarding
the winners of Muamalat Berbagi Rezeki (Muamalat
Sharing) program.

Annual Report
85
SIGNIFICANT EVENTS
PERISTIWA PENTING
15.
No. November / November

15. PERLUAS SINDIKASI INTERNASIONAL : Direktur Bank Muamalat EXPANDING THE BANK’S INTERNATIONAL SYNDICATION
Luluk Mahfudah (kiri) berbincang bersama Direktur Utama PT : Director of Bank Muamalat, Luluk Mahfudah (left), spoke
Indonesia Air Transport, Tbk (IAT) Syafril Nasution (kanan), selepas with President Director of PT Indonesia Air Transport, Tbk
penandatangan perjanjian sindikasi pembiayaan di Kantor Pusat (IAT), Syafril Nasution (right), after the signing of MOU
Bank Muamalat, Jakarta 22/11. Pionir perbankan syariah di for funding syndication at Bank Muamalat headquarter in
Indonesia ini memberikan fasilitas pembiayaan senilai USD 8,7 Jakarta (22/11). With this cooperation Bank Muamalat will
juta bagi pengadaan sarana transportasi udara yang dijalankan provide financing facilities to the amount of US$ 8.7 million
IAT. AFB merupakan bank Islam asal Malaysia yang memberikan for the procurement of air transport facilities managed by
kontribusi sebesar 28% terhadap plafond pembiayaan proyek IAT. AFB is a Malaysian Islamic bank which contributes
sindikasi ini. 28% of funds to the syndication project.
16. 17.
No. Desember / December

16. MUAMALAT-HBX DISKUSIKAN REHABILITASI MERAPI: Direktur MUAMALAT-HB X IN DISCUSSION TO HELP THE
Bank Muamalat Andi Buchari (kanan) menyerahkan bantuan secara REHABILITION EFFORTS FOR VICTIMS OF MOUNT
simbolis kepada Gubernur DIY Sri Sultan Hamengkubuwono X MERAPI ERUPTION : Director of Bank Muamalat, Andi
(kiri) di Gedung Wilis Kantor Gubernur DIY, Yogyakarta Kamis Buchari (right), symbolically handed over aid to Governor
8/12. Acara ini dilangsungkan selepas diskusi mengenai program of Yogyakarta, Sri Sultan Hamengkubuwono X (left) at
rehabilitasi sebagai kelanjutan program emergency yang telah Gedung Wilis at Governor’s Office complex in Yogyakarta
dilaksanakan oleh Bank Muamalat bagi korban bencana Merapi on Thursday (8/12). The event was conducted after
sejak awal terjadinya bencana. Penyaluran dana dianggarkan the discussion about rehabilitation programs following
senilai Rp 2 miliar untuk pembangunan infrastruktur rumah emergency project launched by Bank Muamalat to help
ibadah, perbaikan sanitasi air bersih, pemberian modal usaha the victims of Merapi volcanic eruption. Bank Muamalat
serta beasiswa pendidikan. has been very active in this drive since the disaster first
struck the area. The bank allocated IDR 2 billion for aid
distribution, and the money has been used to rebuild
infrastructures and houses of worship, to repair damaged
clean water infrastructures, to provide business capitals
and scholarships.
17. EKSPANSI KE BELITUNG : (dari kiri ke kanan) Area Manager Bank EXPANSION TO BELITUNG : (From left to right) Bank
Muamalat Wilayah Sumatera Bagian Selatan Chairil Noor, Bupati Muamalat Area Manager for South Sumatera, Chairil Noor;
Belitung Darmansyah Husein, Direktur Bank Muamalat Adrian Belitung regent, Darmansyah Husein; Director of Bank
A. Gunadi, Wakil Gubernur Prov. Bangka Belitung Syamsuddin Muamalat, Adrian A. Gunadi; Vice Governor of Bangka-
Basari, Pemimpin Bank Muamalat Pangkal Pinang Agung Hartanto Belitung province, Syamsuddin Basari; and Manager of
berbincang selepas peresmian kantor Bank Muamalat di Tanjung Bank Muamalat Pangkal Pinang, Agung Hartanto, talked
Pandan, Belitung (13/12). Penghimpunan dana dan pembiayaan after the opening ceremony of Bank Muamalat office in
dilakukan melalui pembukaan 300 kantor layanan di Indonesia Tanjung Pandan, Belitung (13/12). Funds collection and
serta aliansi dengan 4.000 jaringan kantor pos. savings, and financing activities will be conducted at 300
offices throughout Indonesia, and alliance with 4,000 post
offices network.

Annual Report
PEMBAHASAN MANAJEMEN DAN ANALISIS
MANAGEMENT DISCUSSION AND ANALYSIS
Tinjauan Keuangan Financial Review

Ulasan Hasil Usaha Business Result Overview
Bank Muamalat telah menorehkan prestasi yang Bank Muamalat has made great strides in the year
membanggakan pada tahun 2010. Sambil melanjutkan 2010. While continuing the business transformation
transformasi bisnis yang dimulai tahun 2009, Perseroan which was started in 2009, the Company implemented
saat tahun 2010 melakukan berbagai inisiatif dan various initiatives and strategies in 2010 to accelerate
langkah strategis untuk mempercepat pertumbuhan the sustainable business growth. Such strategies are,
bisnis yang berkelanjutan. Strategi tersebut antara lain among others, continuing the building of infrastructure
melanjutkan upaya peningkatan infrastruktur seperti such as the development of information technology
pengembangan teknologi informasi dan peningkatan and improving risk management. To accelerate
manajemen risiko. Untuk mempercepat pertumbuhan business growth, there was focus in retail business
bisnis, dilakukan penajaman fokus pada segmen sector, cooporative, and sectors of financial institutions
bisnis ritel, korporasi, serta segmen institusi keuangan and international banking.
dan perbankan internasional.
Prestasi tahun 2010 terlihat dari kinerja seluruh The achievement in 2010 can be seen from the
indikator keuangan yang tumbuh cukup pesat. Total performance of rapidly growing financial indicators.
aset tumbuh sebesar 33,53%, sedangkan Dana Total asset increased by 33,53%, Third Party Fund
Pihak Ketiga dan Pembiayaan tumbuh masing- and Financing increased by 30,61% and 39,29%,
masing 30,61% dan 39,29%. Pertumbuhan bisnis respectively. Business growth and improvement done
serta perbaikan yang dilakukan pada pengelolaan in portfolio management yielded increased profit.
portofolio menghasilkan peningkatan keuntungan Earning Before Tax increased by 256,81%.
yang diperoleh. Laba Sebelum Pajak meningkat
sebesar 256,81%

Annual Report
Neraca Keuangan Financial Balance Sheet

Posisi Keuangan Financial Position
Bank Muamalat selalu berusaha menyeimbangkan Bank Muamalat always tries to balance the business
pertumbuhan bisnis dengan menjaga tingkat growth by keeping the profitability rate and liquidity
profitabilitas dan pemenuhan likuiditas. Penyaluran fulfillment. The financing distribution is optimized as
pembiayaan dioptimalkan sebagai bagian dari part of the effort in running the intermediary function.
upaya menjalankan fungsi intermediasi. Tercatat Financing to Deposit Ratio (FDR) in 2010 was
rasio Financing to Deposit Ratio (FDR) tahun 2010 recorded at 91,52%. Other fund distribution was done
sebesar 91,52%. Penyaluran dana lainnya dilakukan by securities instruments in balanced measures and
melalui instrumen surat berharga secara berimbang with concern of risk aspects. Fund for improving asset
dan memperhatikan aspek risiko. Sumber dana untuk was obtained from Third Party Fund, interbank deposit
menumbuhkan aset diperoleh dari penambahan dana and capital increase.
pihak ketiga, dana antar bank serta penambahan
modal.
(dalam miliar Rupiah) (in IDR billion)
Pertumbuhan
Keterangan 2009 2010 Description
Growth
Total Aset 16.027,18 21.400,79 33,53% Total Aset
Total Pembiayaan 11.428,01 15.917,69 39,29% Total Financing
Dana Pihak Ketiga 13.316,90 17.393,44 30,61% Third Party Fund
Giro 1.188,44 2.192,90 84,52% Demand Deposits
Tabungan 4.492,19 5.258,47 17,06% Saving Accounts
Deposito 7.636,27 9.942,07 30,20% Time Deposit
Total Ekuitas 898,03 1.749,16 94,78% Total Equity
Total Aset Total Asset

Pada tahun 2010, total aset Bank Muamalat tercatat In the year 2010, total asset of Bank Muamalat was
sebesar Rp 21.400,79 miliar, meningkat sebesar recorded at IDR 21.400,79 billion, increased 33,53%
33,53% dibandingkan aset pada tahun 2009 sebesar compared to 2009’s asset of IDR 16.027,17 billion.
Rp 16.027,17 miliar. Peningkatan aset ini terutama The increase was from public offering of shares
ditunjang oleh hasil penawaran umum saham melalui through Rights Issue, which was exercised to meet the
mekanisme Rights Issue yang dilaksanakan untuk Company’s growth strategies.
memenuhi strategi pertumbuhan Perseroan.
TOTAL ASET TOTAL PEMBIAYAAN DANA PIHAK KETIGA JUMLAH EKUITAS

Dalam miliar Rupiah Dalam miliar Rupiah Dalam miliar Rupiah Dalam miliar Rupiah
Total Assets Total Financing Third Party Fund Total Equity
In IDR billion In IDR billion In IDR billion In IDR billion
21.400,79
17.393,44
16.027,18
15.917,69
12.610,85
13.316,90
11.428,01
10.578,66
10.073,96
10.517,86
1.749,16
8.691,33
8.618,05
8.370,59
6.837,43
898,03
824,92
941,09
6.628,09
786,44
‘06 ‘07 ‘08 ‘09 ‘10 ‘06 ‘07 ‘08 ‘09 ‘10 ‘06 ‘07 ‘08 ‘09 ‘10 ‘06 ‘07 ‘08 ‘09 ‘10

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89
Kas dan Giro pada Bank Indonesia Cash and Demand Deposits in Bank Indonesia
Kas yang tersedia pada akhir periode tahun buku Existing cash at the end of fiscal year 2010 was
2010 adalah sebesar Rp 339,13 miliar atau meningkat IDR 339,13 billion, or increased 28,11% than that
sebesar 28,11% dibandingkan posisi pada akhir tahun of 2009. Even though there was an increase in cash,
2009. Walaupun terdapat penambahan Kas, namun but cash management was done more efficiently.
pengelolaan Kas dilakukan secara lebih efisien, ini This is shown in a comparison from Cash to Total
tergambar dari perbandingan Kas terhadap Total Aset asset, which decreased to 1,58% from 2009 of 1,65%
yang turun menjadi 1,58% dari 1,65% pada tahun Meanwhile, there was also an increase in Demand
2009. Sementara kenaikan juga terjadi pada Giro Deposits in Bank Indonesia, from 63,27% gained in
pada Bank Indonesia yang meningkat 63,27% dari the achievement in 2009. In the year 2010, Demand
pencapaian tahun 2009. Pada tahun 2010 Giro pada Deposits in Bank Indonesia was IDR 1.071,77 billion,
Bank Indonesia tercatat sebesar Rp 1.071,77 miliar, while in 2009 it was IDR 656,43 billion. The increase
sedangkan pada tahun 2009 sebesar Rp 656,43 was due to the addition of Reserve Liability of Fund
miliar. Kenaikan ini disebabkan adanya tambahan acquisition in the form of obligatory Minimum Demand
kewajiban pencadangan atas perolehan Dana Pihak Deposits (GWM) which was at proper level of 5,20%
Ketiga berupa Giro Wajib Minimum (GWM) yang for IDR GWM, or more efficient compared to 5,25% in
dijaga pada level yang cukup yaitu 5,20% untuk GWM the year 2009.
Rupiah atau lebih efisien dibandingkan 5,25% pada
tahun 2009.
Giro Pada Bank dan Lembaga Keuangan Lain Demand Deposits in other Banks and Financial
Institutions
Posisi Giro pada Bank Lain Bersih dan Giro pada The position of net Demand Deposits in other banks
PT Pos Indonesia (Persero) Bersih pada akhir tahun and net Demand Deposits in PT Pos Indonesia at the
2010, berturut-turut adalah Rp 208,76 miliar dan Rp end of the year 2010 respectively was IDR 208,76
1,61 miliar. Jumlah ini lebih kecil dibandingkan posisi billion and IDR 1,61 billion. The amount is smaller
akhir tahun 2009, dimana kedua pos ini tercatat compared to the one recorded at the end of 2009, in
berturut-turut sebesar Rp 422,64 miliar dan Rp 30,04 which both were recorded respectively at IDR 422,64
miliar. Penurunan saldo ini, sebagai hasil dari upaya billion and IDR 30,04 billion. The balance decrease
mengefisienkan penempatan dana disesuaikan was due to the efficency in fund allocation, adjusted
dengan kebutuhan transaksi rekening tersebut. to the transactional need of the accounts.
Penempatan Pada Bank Indonesia dan Bank Lain Placement at Bank Indonesia and other Banks
Penempatan Pada Bank Indonesia dan Bank Lain Net placement in Bank Indonesia and other banks at
Bersih pada akhir tahun 2010 tercatat sebesar Rp the end of year 2010 was recorded at IDR 2.535,77
2.535,77 miliar meningkat 7,53% dibandingkan billion, increased 7,53% compared to the year
dengan akhir tahun 2009 yang mencatat sebesar Rp 2009 of IDR 2.358,27 billion. Placement in Bank
2.358,27 miliar. Penempatan Pada Bank Indonesia Indonesia was transfered with Sharia Certificate of
disalurkan melalui instrumen Sertifikat Bank Indonesia Bank Indonesia (SBIS) instrument and Sharia Saving
Syariah (SBIS) dan Fasilitas Simpanan Bank Indonesia Facility of Bank Indonesia (FASBIS) in the amount of
Syariah (FASBIS) sebesar total Rp 2.497,00 miliar atau IDR 2.497,00 billion or higher than IDR 2.348,00 in
naik dibandingkan Rp 2.348,00 miliar tahun 2009. 2009. Meanwhile, net placement in other banks was
distributed through Mudharabah Deposits Instrument

Annual Report
Sementara Penempatan Pada Bank Lain – bersih and Interbank Mudharabah Investment Certificate
disalurkan melalui instrumen Deposito Mudharabah (SIMA) in the amount of IDR 38,77 billion, increasing
serta Sertifikat Investasi Mudharabah Antar Bank from IDR 10,27 billion in 2009. The increase shows
(SIMA) sebesar total Rp 38,77 miliar juga meningkat the successful effort to enlarge sharia interbank
dibandingkan tahun 2009 sebesar Rp 10,27 miliar. transactions.
Peningkatan ini menunjukkan hasil upaya untuk
memperbesar transaksi antar bank syariah.
Surat Berharga Securities

Surat Berharga yang dimiliki hingga jatuh tempo – Net securities owned until due date on 31 December
bersih per 31 Desember 2010 sebesar Rp 530,41 2010 was IDR 530,41 billion, increasing 244,32%
miliar meningkat 244,32% dibandingkan posisi from 31 December 2009 of IDR 154,04 billion. This
pada 31 Desember 2009 yang mencatat sebesar significant increase was part of the strategies in
Rp 154,04 miliar. Peningkatan yang cukup besar optimizing reserved fund which are not distributed to
ini sebagai bagian dari strategi mengoptimalkan financing. Placement on securities was done through
kelebihan dana yang tidak disalurkan ke pembiayaan. instruments of Government Sukuk and Corporate
Penempatan pada Surat Berharga dilakukan melalui Sukuk respectively at IDR 495,76 billion and IDR 35
instrumen Sukuk Pemerintah dan Sukuk Korporasi billion. The biggest increase was at State Sukuk which
masing-masing sebesar Rp 495,76 miliar serta Rp 35 increased as big as IDR 356,56 billion. As a part of
miliar. Peningkatan penempatan terbesar ada pada providing reserve for liquidity, therefore IDR 266,26
Sukuk Negara yang naik sebesar Rp 356,56 miliar. from State Sukuk was placed in AFS (Available For
Sebagai bagian dari upaya penyediaan cadangan Sale) position.
bagi likuiditas, maka sebanyak Rp 266,26 dari Sukuk
Negara ditempatkan pada Tersedia Untuk Dijual /
Available For Sale (AFS).
Pembiayaan Financing
Secara umum pembiayaan tahun 2010 mengalami Generally, in the year of 2010, Financing experienced
peningkatan yang cukup signifikan akibat strategi a significant increase because of the more expansive
pembiayaan yang lebih ekspansif dibanding dengan financing strategies compared to previous year.
tahun sebelumnya. Pembiayaan tahun 2010 mencapai Financing in 2010 reached IDR 15.917,69 billion,
Rp 15.917,69 miliar tumbuh 39,29% dibandingkan increased 39,29% from the previous year of IDR
dengan tahun sebelumnya yang tercatat Rp 11.428,01 11.428,01 billion. The figure is much higher than that
miliar. Peningkatan ini jauh lebih tinggi dibandingkan of the year 2009 which increased only 8,66% due to
tahun 2009 yang tumbuh hanya 8,66% akibat kondisi unstable economic condition post-crisis.
ekonomi yang belum cukup baik pasca krisis.
Selain itu, jika dilihat berdasarkan akad, portofolio In addition, based on the contract (akad), portfolio
pembiayaan pun mengalami perbaikan dengan financing has been improved with the increase of
meningkatnya presentasi piutang jual beli yang receivables sale from 40,16% in 2009 to 41,44%
meningkat dari 40,16% tahun 2009 menjadi 41,44% in 2010. Increasing of murabahah financing is very
pada tahun 2010. Peningkatan pembiayaan dengan encouraging, because the yield is higher.
akad jual beli merupakan hal yang menggembirakan,
karena imbal hasilnya lebih tinggi.

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91
Sedangkan portofolio pembiayaan Ijarah juga Meanwhile, the Ijarah portfolio financing also greatly
mengalami peningkatan yang signifikan dari hanya increased from 3,86% in 2009 to 4,64% of total
3,86% pada tahun 2009 menjadi 4,64% dari total financing in the year 2010.
pembiayaan pada tahun 2010.
KOMPOSISI PEMBIAYAAN 2009 KOMPOSISI PEMBIAYAAN 2010

Financing Composition 2009 Financing Composition 2010
2,68% 4,64% 7,51% 3,86% Piutang/Receivables
Mudharabah
Musyarakah
Qardh
40,16% Ijarah
41,44%
40,27% 38,33%
12,24% 8,86%
PIUTANG
Receivables
Dalam miliar Rupiah
In IDR billion
6.596,21
7,000 50%
4.589,96
43,71%
6,000 40%
5,000 30%
4,000 20%
3,000 10%
2,000 0%
1,000 -8,10% -10%

Receivables
0 -20%
Growth
‘09 ‘10
Piutang Receivables
Jumlah Piutang pada akhir tahun 2010 adalah Rp Total receivables at the end of 2010 was IDR 6.596,21
6.596,21 miliar, meningkat 43,71% dari posisi billion, increasing 43,71% from the position in 2009
tahun 2009 yang tercatat sebesar Rp 4.589,96 that was recorded at IDR 4.589,96 billion. The
miliar. Piutang ini terdiri dari Piutang Murabahah, receivables consisted of Murabahah receivables,
Piutang Istishna dan Piutang Pendapatan Ijarah. Istishna receivables and Ijarah revenue receivables.
Kenaikan pada akad piutang selain disebabkan The increase in akad receivables was resulted from
oleh pertumbuhan bisnis yang cukup tinggi, juga significant business growth, and also because
dikarenakan skema pembiayaan ini relatif paling the financing scheme is relatively applicable to

Annual Report
applicable untuk diterapkan pada berbagai customers’ various financing needs. Murabahah can
kebutuhan pembiayaan nasabah. Murabahah dapat be applied in the customer’s procurement of goods, for
diaplikasikan dalam keperluan pengadaan barang the consumptive and productive purposes. Also, the
nasabah untuk tujuan konsumtif dan produktif. Selain increase in Murabahah receivables is also supported
itu, peningkatan piutang Murabahah juga ditopang by product development and alliance with other
oleh pengembangan produk dan aliansi dengan pihak parties. The launch of Sharia Housing Financing with
lain. Peluncuran produk pembiayaan perumahan akad Murabahah, and collaboration with subsidiary
dengan akad Murabahah yaitu Pembiayaan Hunian PT Al Ijarah Indonesia Finance also contributed to the
Syariah dan juga kerja sama dalam pembiayaan growth of Financing with akad receivables.
kendaraan bermotor dengan anak perusahaan
PT. Al Ijarah Indonesia Finance turut menyumbang
pertumbuhan pembiayaan dengan akad piutang.
Jumlah / Total
Keterangan 2010 2009 Perubahan Description
(miliar Rupiah) (miliar Rupiah)
(IDR billion) (IDR billion)
Changes
Piutang Murabahah
6.441,60 4.454,48 44,61%
Murabahah Bersih Receivables-Net
Piutang Istishna Istishna Receivables-
46,67 60,61 -23,01%
Bersih Net
Piutang
Ijarah Revenue
Pendapatan Ijarah 2,50 1,80 39,2%
Receivables-Net
Bersih
QARDH
Dalam miliar Rupiah
In IDR billion
1.195,65
1,400 350%
1,200 300%
290,21%
1,000 250%
800 200%
306,41
600 150%
400 100%
200 64,30% 50%

Receivables
0 0%
Growth
‘09 ‘10
Pinjaman Qardh Qardh Financing

Pinjaman Qardh adalah pemberian harta kepada Qardh Financing is the giving of a property to someone
orang lain yang dapat ditagih atau diminta kembali. that can be re-claimed. In the sharia technical banking
Dalam teknis perbankan syariah, Qardh adalah term, Qardh is the financing from Bank Muamalat to
pemberian pinjaman dari Bank Muamalat kepada customer that can be used for urgent needs. It is not
nasabah yang dapat dipergunakan untuk kebutuhan meant for consumptive financing.
mendesak dan bukan untuk pinjaman yang bersifat
konsumtif.

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93
Pada akhir 2010 Pinjaman Qardh bersih yang At the end of 2010, Qardh Financing-net being
berhasil didistribusikan sebesar Rp 1.195,65 miliar, distributed was IDR 1.195,65 billion. It increased
meningkat 290,21% jika dibandingkan tahun 2009, 290,21% compared to that in 2009 with IDR 306,41
yang tercatat sebesar Rp 306,41 miliar. Peningkatan billion. This enormously significant increase was
yang sangat signifikan ini dipicu oleh peningkatan triggered by the increase in Hajj reserved fund
pembiayaan dana talangan haji yang tumbuh seiring financing, along with the escalated interest for people
minat masyarakat yang juga tinggi dalam melakukan to go for Hajj Pilgrimage. This is also supported by
ibadah haji. Peningkatan pembiayaan dana talangan Bank Muamalat’s strategies in obtaining customers
haji pun didukung oleh strategi Bank Muamalat by cooperating with Hajj guidance groups or Hajj
dalam mendapatkan nasabah dengan berkerjasama organizers.
dengan kelompok bimbingan ibadah haji maupun
penyelenggara haji.
PEMBIAYAAN BAGI HASIL
Profit Sharing Financing
Dalam miliar Rupiah
In IDR billion
7.511,2
6.001,05
8,000 35%
7,000 30%
6,000 25,17% 25%
5,000 20%
19,52%
4,000 15%
3,000 10%
2,000 5%
Receivables
0 0%
Growth
‘09 ‘10
Pembiayaan Bagi Hasil Profit Sharing Financing

Pembiayaan dengan akad bagi hasil terdiri dari Financing with akad profit sharing consists of
pembiayaan musyarakah dan mudharabah. Musyarakah Financing and Mudharabah. Mudharabah
Pembiayaan Mudharabah adalah kerjasama antara Financing is a cooperation between two parties,
dua pihak dimana salah satu pihak (Bank) bertindak in which one party (Bank) acts as a fund provider
sebagai penyedia dana (shahibul maal) dan pihak (shahibul maal) and the other party (customer) acts
lain (nasabah) bertindak sebagai (mudharib). as a mudharib. At the end of 2010, Mudharabah
Pada akhir 2010, Pembiayaan Mudharabah tercatat financing booked IDR 1.410,63 billion, increased from
sebesar Rp 1.410,63 miliar, tumbuh bila dibandingkan IDR 1.398,86 billion in 2009. Musyarakah financing
dengan pencapaian tahun 2009 yang tercatat
sebesar Rp 1.398,86 miliar. Pembiayaan Musyarakah

Annual Report
adalah kerjasama antara dua pihak atau lebih untuk is a cooperation between two parties or more for a
suatu usaha tertentu, di mana masing-masing pihak particular enterprise, in which each party contributes
memberikan kontribusi dana, pekerjaan atau keahlian in funding, labors, or skills with agreement that the
dengan kesepakatan bahwa keuntungan dan profit and risk will be borne together according to the
risiko akan ditanggung bersama sesuai dengan agreement.
kesepakatan.
Pada akhir 2010, Bank Muamalat mencatat At the end of 2010, Bank Muamalat booked
Pembiayaan Musyarakah sebesar Rp 6.100,60 Musyarakah financing at IDR 6.100,60 billion, or
miliar atau meningkat 32,56% dari pencapaian tahun increased 32,56% from the achievement gained in
2009 yang tercatat Rp 4.602,19 miliar. Peningkatan 2009 (IDR 4.602,19 billion). This increase was owing
Pembiayaan Musyarakah disebabkan oleh kebutuhan to the customers’ needs for more profitable financing
nasabah akan skema pembiayaan yang lebih schemes. With more conducive economic condition,
menguntungkan. Dengan kondisi perekonomian yang customers can add capital which is affordable for
lebih kondusif, nasabah dapat menambahkan porsi them. Therefore, financing with profit sharing akad
modal sesuai dengan kemampuan nasabah. Dengan which was distributed by Bank Muamalat was IDR
begitu, pembiayaan dengan akad bagi hasil yang 7.511,23 billion, increased 25,17% from IDR 6.001,05
telah disalurkan oleh Bank Muamalat adalah sebesar billion in 2009.
Rp 7.511,23 miliar naik 25,17% dari tahun 2009 yang
tercatat Rp 6.001,05 miliar.
PEMBIAYAAN BERMASALAH-BERSIH
Non Performing Financing (NPF) -Net
7% 7%
6% 6%
5% 5%
4% 4,10% 4%
3,51%
3% 3%
2% 2%
1% 1%
Receivables
0% 0%
Growth
‘09 ‘10
Kolektibilitas dan Kualitas Pembiayaan Collectibility and Financing Quality.

Peningkatan kualitas pembiayaan Bank Muamalat The improvement of Bank Muamalat Financing quality
dapat dilihat dari membaiknya Non Performing can be seen in the improvement of Non-Performing
Financing (NPF)-Gross pada tahun 2010 yang tercatat Financing (NPF) Gross. In 2010, it was recorded at
sebesar 4,32% dibanding periode sebelumnya yang 4,32%, down from previous year of 4,73%.
sebesar 4,73%.

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95
Sedangkan NPF Nett pada tahun 2010 tercatat sebesar Meanwhile, Net NPF in 2010 was 3,51%, down from
3,51% turun dari tahun 2009 yang tercatat sebesar 4,10% in 2009. This decrease shows that there was
4,10%. Penurunan ini menunjukkan adanya perbaikan improvement of financing quality in the year 2010
kualitas pembiayaan pada 2010 akibat situasi because of the economic situation was conducive to
perekonomian yang cukup kondusif dan mendukung help with the customer’s business growth. Also, the
pertumbuhan bisnis nasabah. Selain itu, peningkatan financing quality improvement was also followed by
kualitas pembiayaan pun diiringi oleh strategi better reserves strategies to minimize financing risks.
pencadangan yang lebih baik untuk meminimalisasi Better reserves strategies are shown by the fulfillment
risiko pembiayaan. Strategi pencadangan yang lebih of Productive Asset Reserves Fulfillment (PPAP) which
baik diindikasikan oleh rasio pemenuhan Pemenuhan increased from 108,32% in the year 2009 to 113,36%
Pencadangan Aktiva Produktif (PPAP) yang meningkat in the year 2010.
dari 108,32% di tahun 2009 menjadi 113,36% di tahun
2010.
Investasi Saham Shares Investment

Pada 2010, penyertaan Bank Muamalat pada In the year 2010, Bank Muamalat’s participation in
Investasi Saham sebesar Rp 46,70 miliar (neto). shares investment was IDR 46,70 billion (Net). This
Investasi Saham ini meningkat bila dibandingkan shares investment was increased, compared to
periode sebelumnya yang tercatat Rp 44,91 miliar. previous year which was recorded at IDR 44,91 billion.
Peningkatan ini berasal dari bagian laba bersih The increase came from the net profit of affiliated
perusahaan asosiasi yaitu Al Ijarah Indonesia Finance company, namely Al Ijarah Indonesia Finance with the
sebesar Rp 1,81 miliar. amount of IDR 1,81 billion.
Total Kewajiban Total Liabilities

Total Kewajiban Bank Muamalat pada 2010 adalah Bank Muamalat’s total liabilities in 2010 was IDR
sebesar Rp 3.085,41 miliar meningkat 80,74% 3.085,41 billion, increasing 80,74% from IDR 1.707,12
dibandingkan periode 2009 yang tercatat sebesar billion in 2009. This was due to the fact that there was
Rp 1.707,12 miliar. Peningkatan ini terjadi karena quite high growth in demand deposits and wadiah
pertumbuhan yang cukup tinggi pada giro dan savings. This is closely related to the effort in making it
tabungan wadiah. Hal ini erat kaitannya dengan upaya compulsory for the financing customers to have active
mewajibkan nasabah pembiayaan memiliki giro aktif demand deposits in Bank Muamalat. This strategy
di Bank Muamalat. Strategi tersebut menyebabkan led to the wadiah demand deposits to increase IDR
giro wadiah tumbuh Rp 1.037,40 miliar pada tahun 1.037,40 billion in 2010. The increase in wadiah
2010. Peningkatan tabungan wadiah yang tumbuh Rp savings IDR 264,67 billion in 2010 was gained from
264.67 miliar pada tahun 2010, diperoleh dari produk Haji Arafah Savings with its very encouraging growth.
Tabungan Haji Arafah yang pertumbuhannya sangat
menggembirakan.

Annual Report
DANA PIHAK KETIGA KOMPOSISI DANA PIHAK KETIGA 2010

Dalam miliar Rupiah Third Party Funds Composition 2010
Third Party Funds
In IDR billion
1.188,44 2.192,90 Giro

4.492,19 5.258,47
12,61% Demand
7.636,27 9.942,07 Deposits
Tabungan
30,32% Savings
: Deposito
Deposito
Time Deposit
Time
57,16% Deposit
: Tabungan
Savings
: Giro
Demand Deposits
‘09 ‘10
Penghimpunan Dana Pihak Ketiga Third Party Funds

Total Dana Pihak Ketiga (DPK) Bank Muamalat Third Party Fund (DPK) in Bank Muamalat at the
pada akhir 2010 adalah Rp 17.393,44 miliar, end of 2010 was IDR 17.393,44 billion, increased
meningkat 30,61% dibandingkan tahun 2009 yang by 30,61% from the year 2009, which recorded the
tercatat sebesar Rp 13.316,89 miliar. Walaupun amount of IDR 13.316,89 billion. Even though there
secara persentase terdapat penurunan, namun was a decrease in the percentage, nominally the DPK
secara nominal pertumbuhan DPK tahun 2010 lebih growth in 2010 was higher with IDR 4.076,54 billion,
besar yaitu Rp 4.076,54 miliar dibandingkan tahun compared to that in 2009 which was IDR 3.242,94
2009 yang sebesar Rp 3.242,94 miliar. Dengan total billion. With total Financing at IDR 15.917,69 billion,
pembiayaan sebesar Rp 15.917,69 miliar, maka then the FDR (Financing to Deposit Ratio) of Bank
Financing to Deposit Ratio (FDR) Bank Muamalat Muamalat reached 91,52%. This is better than in
mencapai 91,52%, lebih baik dibandingkan tahun 2009, which was 85,82%. The increase in FDR reflects
2009 yang tercatat 85,82%. Peningkatan rasio FDR the improving performance of Bank Muamalat in
mencerminkan kinerja Bank Muamalat yang semakin conducting its intermediary function.
baik dalam melaksanakan fungsi intermediasinya.
Jika dilihat dari jenis DPK yang dihimpun, Giro From the collected DPK, demand deposits
mengalami pertumbuhan signifikan pada tahun 2010 experienced significant increase in 2010 of 84,52%
yang meningkat sebesar 84,52% atau menjadi sebesar or IDR 2.192,90 billion, from IDR 1.188,44 billion in
Rp 2.192,90 miliar dari posisi Rp 1.188,44 miliar di 2009. Deposits increased from IDR 2.305,81 billion
tahun 2009. Deposito berhasil tumbuh sebesar Rp or 30,20%, from IDR 7.636,27 billion in 2009 to IDR
2.305,81 miliar atau 30,20% dari Rp 7.636,27 miliar 9.942,07 billion in the following year. Meanwhile,
di tahun 2009 menjadi Rp 9.942,07 miliar di tahun
berikutnya. Sementara itu, tabungan pada akhir 2010

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97
berjumlah Rp 5.258,47 miliar meningkat 17,06% savings at the end of 2010 was IDR 5.258,47 billion,
dibandingkan dengan periode 2009 yang tercatat increasing 17,06% compared to that in 2009 with IDR
sebesar Rp 4.492,19 miliar. Selama tahun 2010 giro 4.492,19 billion. Throughout 2010, demand deposits
dan tabungan mengalami tren pertumbuhan yang and savings experienced better growth trend, despite
semakin baik walaupun deposito masih menjadi the fact that deposits was still the biggest component
komponen terbesar dari DPK. Komposisi giro dan in DPK. The composition of demand deposits and
tabungan mencapai 42,84%, sedangkan komposisi savings reached 42,84%, and Deposits composition
deposito sebesar 57,16%. Komposisi ini mengalami was 57,16%. There is a change in which Deposits
sedikit perubahan dimana komposisi deposito composition was little lower than the one recorded
menjadi sedikit lebih rendah dibandingkan tahun lalu in the previous year 57,34%. The composition of
yang tercatat 57,34%. Komposisi giro dan tabungan demand deposits and savings is going to be enlarged
akan terus diperbesar karena bisnis ritel akan menjadi because retail business will be the main focus in the
fokus bisnis dalam beberapa tahun kedepan. next several years.
Penghimpunan Dana Bank Bank Funds Collecting

Untuk menjaga likuiditas pada level yang aman, To maintain the liquidity at a safe level, Bank Muamalat
Bank Muamalat terus mengoptimalkan fungsi dana continues to optimize bank funds function as liquidity
bank sebagai buffer likuiditas. Total dana bank yang buffer. Total bank fund collected in 2010 was IDR
berhasil dihimpun pada tahun 2010 mencapai Rp 1.324,09 billion, increasing 27,61% from the previous
1.324,09 miliar tumbuh 27,61% dibandingkan tahun year IDR 1.037,64 billion. The increase was dominated
sebelumnya yaitu Rp 1.037,64 miliar. Peningkatan ini by the Bank’s deposits which increased IDR 264,75
masih didominasi oleh deposito bank yang meningkat billion or 26,78% from the previous year.
sebesar Rp 264,75 miliar atau 26,78% dibandingkan
tahun lalu.

Annual Report
Sukuk Mudharabah Subordinasi Subordinated Sukuk Mudharabah

Sukuk Mudharabah Subordinasi digunakan untuk Subordinated Sukuk Mudharabahis is used to
memperkuat struktur modal Bank Muamalat. Total strengthen the capital of Bank Muamalat. Total
pinjaman subordinasi per 31 Desember 2010 adalah subordinated loan per 31 December 2010 was
Rp 313,12 miliar. Merupakan surat berharga yang IDR 313,12 billion. This is an instrument which was
diterbitkan Bank dalam bentuk Sukuk Mudharabah issued by the Bank in the form of Subordinated Sukuk
Subordinasi dengan jumlah pokok obligasi sebesar Mudharabah with bond basic sum of IDR 314,00
Rp 314,00 miliar dan telah memperoleh hasil billion. It has received ranking A- with stable outlook
pemeringkatan A- dengan outlook stabil dari PT Fitch by PT Fitch Rating Indonesia. This Sukuk has 10-year
Rating Indonesia. Sukuk ini berjangka waktu 10 tahun time limit, from 10 July 2008 with due date of 10 July
terhitung sejak tanggal 10 Juli 2008 dan akan jatuh 2018. Its buy option (initial repayment) is at the 5th
tempo pada 10 Juli 2018, dengan opsi beli (pelunasan anniversary since the issuance, or on 10 July 2013.
awal), pada ulang tahun ke-5 sejak tanggal emisi This Sukuk is issued with ratio of sukuk holder from
diterbitkan atau 10 Juli 2013. Sukuk ini diterbitkan the 1st year to 5th year in the amount of 17,17%, and
dengan nisbah pemegang sukuk tahun ke-1 sampai ratio of sukuk holder from the 6th year to 10th year in
dengan tahun ke-5 sebesar 17,17% dan nisbah the amount of 28,73%.
pemegang sukuk untuk tahun ke-6 sampai dengan
tahun ke-10 sebesar 28,73%.
Ekuitas Equity
Nilai Ekuitas Bank Muamalat per 31 Desember The equity value of Bank Muamalat per 31 December
2010 adalah sebesar Rp 1.749,16 miliar. Terjadi 2010 was IDR 1.749,16 billion, increasing 94,78%
peningkatan sebesar 94,78% dibandingkan dengan from the equity position per 31 December 2009 at IDR
posisi Ekuitas per 31 Desember 2009 yang tercatat 898,03 billion. This increase came from the additional
sebesar Rp 898,03 miliar. Peningkatan Ekuitas capital of Limited Public Offering (PUT) IV. Total
Bank Muamalat diperoleh dari tambahan modal hasil subscribed capital and paid in capital was IDR 782,67
Penawaran Umum Terbatas (PUT) IV. Jumlah modal billion, or increased 58,82% in 2009. Additional paid
ditempatkan dan disetor penuh sebesar Rp 782,67 in capital (agio) increased 287,73%, from IDR 132,50
miliar atau meningkat 58,82% dibandingkan tahun billion to IDR 513,73 billion in the year 2010.
2009. Sedangkan tambahan modal disetor (agio) juga
meningkat 287,73% dari Rp 132,50 miliar menjadi Rp
513,73 miliar di tahun 2010.
Kecukupan Modal Capital Adequacy

Dengan aksi korporasi yang dilakukan di tahun 2010, With corporate actions done in 2010, the Capital
rasio kecukupan modal atau Capital Adequacy Adequacy Ratio (CAR) of Bank Muamalat was
Ratio (CAR) Bank Muamalat tercatat sebesar recorded at 13,26%, higher than 11,10% recorded in
13,26% lebih tinggi dibandingkan tahun 2009 yang 2009. With that level of Capital Adequacy Ratio, Bank
tercatat sebesar 11,10%. Dengan tingkat kecukupan Muamalat met the prevailing capital provisions, and
modal tersebut, Bank Muamalat memenuhi ketentuan has the capacity to implement even longer business
pemodalan yang berlaku dan memiliki kapasitas untuk expansion in 2011.
melakukan ekspansi bisnis yang lebih besar pada
tahun 2011.

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99
RASIO KEUANGAN PENTING

Key Financial Ratio
Rasio Perubahan
2010 2009
Ratio Changes
CAR 13,26% 11,10% 17%
NIM 5,24% 5,15% 11%
Expenses / Income (BOPO) 87,38% 95,50% -8%
ROA 1,36% 0,45% 196%
ROE 17,78% 8,03% 107%
FDR 91,52% 85,82% 6%
NPF Gross 4,32% 4,73% -35%
NPF Net 3,51% 4,10% -46%
PENDAPATAN PENGELOLAAN DANA KOMPOSISI PENDAPATAN PENGELOLAAN DANA

OLEH BANK SEBAGAI MUDHARIB OLEH BANK SEBAGAI MUDHARIB
Dalam miliar Rupiah Dalam miliar Rupiah
Revenue from Fund Management with the Bank as Mudharib Revenue from Fund Management with the Bank
In bilions IDR as Mudharib Composition
In IDR billion
651,70 690,57
716,73 782,43
59,86 50,18
88,85 84,96
1.608,14
1.517,15
1.320,90
: Other
1.165,65
1.049,31
: Ijarah Net
: Sharing
: Sales
‘06 ‘07 ‘08 ‘09 ‘10 ‘09 ‘10

Dalam miliar Rupiah
In IDR billion

Annual Report
Laporan Laba-Rugi Profit and Loss Report

Pendapatan dari Pengelolaan Pembiayaan Mudharib Revenues from Mudharib Financing Management
Pada akhir tahun 2010, Bank Muamalat mencatat At the end of 2010, Bank Muamalat booked revenues
Pendapatan dari Pengelolaan Dana oleh Bank Sebagai from Fund Management with the Bank as Mudharib in
Mudharib sebesar Rp 1.608,14 miliar. Pencapaian the amount of IDR 1.608,14 billion, increasing 6,00%
tahun ini meningkat 6,00% dari pencapaian tahun from IDR 1.517,15 billion in 2009. The increase of
2009 sebesar Rp 1.517,15 miliar. Peningkatan revenues from Fund Management came from good
pendapatan dari pengelolaan dana ini berasal dari financing growth in 2010. Besides that, the revenue
pertumbuhan pembiayaan yang cukup baik di tahun increase was gained when reference interest rate
2010. Selain itu, peningkatan pendapatan tersebut from Bank Indonesia was stable at the lower level
terjadi ditengah suku bunga acuan Bank Indonesia compared to the 2009 level.
(BI) rate yang stabil pada level yang lebih rendah
dibanding tahun 2009.
Komposisi Pendapatan dari Pengelolaan Pembiayaan The composition of revenues from Mudharib Financing
Mudharib yaitu Pendapatan Penjualan sebesar Rp Management consists of Sale revenue at IDR 690,57
690,57 miliar, Bagi Hasil Pembiayaan sebesar Rp billion, profit sharing financing at IDR 782,43 billion,
782,43 miliar, Pendapatan Bersih dari Ijarah Rp 50,18 net revenue from Ijarah at IDR 50,18 billion, and other
miliar, dan Pendapatan Operasional Lainnya sebesar operational revenues at IDR 84,96 billion.
Rp 84,96 miliar.
Kontribusi Pendapatan dari Pengelolaan Pembiayaan The biggest contribution of revenues from Mudharib
Mudharib terbesar disumbangkan oleh Bagi Hasil Financing Management came from Profit Sharing
Pembiayaan sebesar 48,65% dan Pendapatan Financing at 48,65% and Sales Revenue at 42,94%.
Penjualan sebesar 42,94%. Kontribusi pendapatan This contribution is related to Portfolio Business
tersebut erat kaitannya dengan komposisi portofolio Composition of Bank Muamalat. Profit Sharing
bisnis Bank Muamalat. Pembiayaan bagi hasil Financing (Mudharabah and Musyarakah) took
(mudharabah dan musyarakah) menguasai 47,19% of financing portfolio, while Murabahah
hampir 47,19% portofolio pembiayaan sementara financing took 41,44%. Both financing sources
pembiayaan murabahah menguasai 41,44%. experienced steady growth, compared to 2009. Profit
Kedua sumber pembiayaan tersebut mengalami sharing financing increased 9,17% from IDR 716,73
pertumbuhan stabil jika dibandingkan tahun 2009. billion in 2009 to IDR 782,43 in 2010. Meanwhile,
Bagi Hasil Pembiayaan meningkat 9,17% dari Rp Sales Revenue increased 5,97% compared to that in
716,73 miliar pada tahun 2009 menjadi Rp 782,43 2009, from IDR 651,69 billion to IDR 690,57 billion.
pada 2010. Sedangkan Pendapatan Penjualan
meningkat sebesar 5,97% dibandingkan tahun
2009 yang mencatat sebesar Rp 651,69 miliar menjadi
Rp 690,57 miliar.

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101
PENDAPATAN OPERASIONAL LAINNYA - BERSIH BEBAN OPERASIONAL LAINNYA

Dalam miliar Rupiah Dalam miliar Rupiah
Other Operating Revenue - Net Other Operating Expenses
In IDR billion In IDR billion
788,65
279,70
739,14
231,15
‘09 ‘10 ‘09 ‘10
Pendapatan Operasional Lainnya Other Operating Revenues

Pendapatan Operasional Lainnya berasal dari fee Other Operating Revenues come from fee-based
based income atau pendapatan yang berasal dari income or revenues from Non-Mudharib customers
biaya pengelolaan dana nasabah Non Mudharib. fund management. This revenue increased 21%
Pendapatan ini meningkat sebesar 21% dibandingkan compared to that recorded in 2009. In the year
tahun 2009. Pada tahun 2010 Bank Muamalat mencatat 2010, Bank Muamalat recorded its Other Operating
Pendapatan Operasional Lainnya sebesar Rp 279,70 Revenues of IDR 279,70 bilion meanwhile in the year
miliar, sedangkan pada tahun 2009 tercatat sebesar of 2009 the amount of IDR 231,15 billion. The increase
Rp 231,15 miliar. Peningkatan ini disebabkan oleh was owing to the Company’s strategy of expanding
strategi Perseroan yang memperluas segmen pasar market segment and improving product quantity and
serta peningkatan kuantitas dan kualitas produk. quality.
Beban Operasional Lainnya Other Operating Expenses

Bank tetap berhasil menumbuhkan pertumbuhan The Bank succeeded in improving its business
bisnisnya dengan terus menjaga efektifitas biaya growth by keeping cost effectivity and maintaining
dan menjaganya pada level yang lebih efisien. Hal ini it at the efficient level. This was indicated by Other
diindikasikan oleh Beban Operasional Lainnya yang Operating Expenses of IDR 788,65 billion, increasing
tercatat sebesar Rp 788,65 miliar, hanya meningkat only by 6,70% compared to that in 2009 with IDR
6,70% dibandingkan tahun 2009 sebesar Rp 739,14 739,14 billion. This increase was much lower than
miliar pada 2010. Peningkatan ini jauh lebih rendah the business growth achieved of around 30%. Other
dibandingkan pertumbuhan bisnis yang berhasil Operating Expenses consists of Employee expenses,
diraih yaitu sekitar 30%. Beban Operasional Lainnya General and administrative expenses, Commitment
terdiri dari Beban Karyawan, Beban Umum dan and Contingency Estimation expenses, Waidah
Administrasi, Beban Estimasi Kerugian Komitmen Demand Deposit Bonus Expenses, and Miscellaneous
dan Kontijensi, Beban Bonus Giro Waidah, dan expenses.
Beban Lain-lain.

Annual Report
Beban tenaga kerja tahun 2010 mengalami Manpower expenses throughout the year 2010
peningkatan dari Rp 201,07 miliar menjadi Rp 253,3 experienced an increase from IDR 201.07 billion to
miliar. Peningkatan beban tenaga kerja tersebut erat IDR 253,3 bilion. The increase in manpower cost
kaitannya dengan peningkatan jumlah karyawan Bank is closely related to the increase in the number of
Muamalat untuk mendukung pertumbuhan bisnis dan Bank Muamalat’s employees to support the business
juga mengisi kekosongan struktur organisasi. Beban growth, and also to fill the vacancies in organizational
umum dan administrasi juga mengalami peningkatan structure. General and administrative expenses also
dari Rp 464,77 miliar menjadi Rp 482,61 miliar atau increased from IDR 464,77 billion to IDR 482,61
meningkat sebesar 3,84%. Peningkatan beban billion, or increasing 3,84%. The controlled increase
umum dan administrasi yang cukup terjaga tersebut of general and administrative expenses happened
terjadi ditengah berbagai investasi modal yang during the various capital investments in 2010.
cukup banyak di tahun 2010. Sepanjang tahun 2010, Throughout the year 2010, the Bank added 150
Bank telah menambah sebanyak 150 ATM diseluruh ATMs all over Indonesia. Other than that, the Bank
Indonesia. Selain itu, Bank pun melakukan investasi also made investment in IT infrastructure by installing
pada infrastruktur IT antara lain adalah sistem switching system. With the new system, the Bank is
switching. Dengan sistem switching baru tersebut, capable of dealing with various banking services
memungkinkan bank untuk menggarap berbagai such as payment for telephone and cellphone bills,
layanan perbankan seperti pembayaran telepon, electricity, insurance, and other utility payments.
listrik, handphone, asuransi, dan pembayaran utilitas Furthermore, the Bank also managed to decrease
lainnya. Selain itu, Bank berhasil menurunkan beban Wadiah Demand Deposits Bonus expenses and
bonus Giro Wadiah dan juga beban lain-lain sehingga miscellaneous expenses in order to suppress the
dapat menekan peningkatan pada beban usaha. increase of operational expenses.
Laba Operasional Income from Operation

Laba operasional Bank Muamalat pada tahun 2010 Income from Operation of Bank Muamalat increased
meningkat sangat signifikan sebesar 202,74%, dari significantly in the year 2010, which was 202,74%,
Rp 78,71 miliar pada tahun 2009 menjadi Rp 238,28 from IDR 78,71 billion in 2009 to IDR 238,28 billion
miliar pada tahun 2010. in 2010.
Peningkatan ini adalah buah strategi Perseroan yang This increase was the result of the Company’s planned
telah dicanangkan pada tahun sebelumnya. Investasi strategy from the previous year. The Company’s
Perseroan terutama yang terkait dengan Beban investment, which is mainly related to the operational
operasional telah memberikan imbal balik di tahun expenses, has given its reward in 2010.
2010.
Laba sebelum pajak tahun 2010 yang tercatat sebesar Earning Before Tax in 2010 was IDR 231,08 billion,
Rp 231,08 miliar, meningkat 256,81% dari tahun 2009 increasing 256,81% from that of 2009 with IDR 64,76
sebesar Rp 64,76 miliar. billion.

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103
Kontribusi Pajak Tax Contribution

Sebagai bagian dari kepatuhan dan kontribusi As part of compliance and contributing to state income,
kepada pendapatan negara, maka Bank Muamalat Bank Muamalat consistently fulfills its duty to pay the
secara konsisten selalu mematuhi kewajiban pajak corporate tax. In 2010, total tax over the company
perusahaan. Pada tahun 2010 jumlah pajak atas laba earning was IDR 74,58 billion, increasing 231,93%
perusahaan yang harus dibayarkan sejumlah Rp from the previous year, which was IDR 22,47 billion.
74,58 miliar, meningkat 231,93% dibandingkan tahun
2009 sebesar Rp 22,47 miliar.
Laba Bersih Net Income

Bank Muamalat mencatat Laba Bersih tahun Bank Muamalat recorded its Net Income in 2010 at IDR
2010 sebesar Rp 170,94 miliar, meningkat 240,57% 170,94 billion, increasing 240,57% from the year 2009
dibandingkan tahun 2009 yang mencatat sebesar at IDR 50,19 billion.
Rp 50,19 miliar.
Laba Bersih per Saham Net Earning per Share

Terjadinya peningkatan laba bersih yang dibukukan The increase of Net Earnings of Bank Muamalat in
oleh Bank Muamalat di tahun 2010, ikut meningkatkan 2010 increased the net earning per share from IDR
laba bersih per saham dari Rp 61,19 per saham di 61,19 per share in 2009 to IDR 122,10 in 2010, making
tahun 2009 menjadi Rp 122,10 per saham pada it a 99,54% increase.
2010, sehingga peningkatan laba bersih per saham
mencapai 99.54%.
Profitabilitas Profitability
Rasio laba terhadap rata-rata ekuitas atau Return On Earning ratio over Return On Equity (ROE) in 2010
Equity (ROE) 2010 mengalami peningkatan signifikan. experienced a significant increase of 17,78%,
ROE tercatat sebesar 17,78% pada tahun 2010, compared to that of 2009 at 8,03%. Meanwhile, the
meningkat jika dibandingkan dengan 2009 sebesar earning ratio over Return on Assets (ROA) in 2010 was
8,03%. Sedangkan rasio laba terhadap rata-rata at steady level of 1,36%, slightly increased from that in
aktiva atau Return On Assets (ROA) di tahun 2010 2009 at 0,45%.
berada pada level yang baik yaitu 1,36%, meningkat
dari tahun 2009 yang tercatat sebesar 0,45%.

Annual Report
Tinjauan Bisnis Business Review

Pertumbuhan perbankan syariah di Indonesia The rapid growth of sharia banking in Indonesia does
yang semakin pesat tidak hanya menyebabkan not only lead to bigger market volume, but also fiercer
volume pasar yang semakin membesar, tetapi juga competition. During 2010 there had been 5 new sharia
persaingan yang lebih ketat. Selama tahun 2010 telah full banks established, so today there are 11 banks and
berdiri 5 bank umum syariah baru sehingga jumlah 23 sharia business unit. The development potential
bank umum syariah menjadi 11 bank, dan unit usaha of sharia banking industry is still numerous. As per
syariah sejumlah 23 bank. Potensi perkembangan end of December 2010, the sharia banking assets
industri perbankan syariah masih sangat besar. penetrated IDR 100,3 trillion with total number of
Hingga akhir Desember 2010, aset perbankan syariah 1.763 offices and more than 20 thousand of employees
telah menembus Rp 100,3 triliun dengan jumlah working in the industry. To stay in the competition in
kantor 1.763 outlet dan lebih dari 20 ribu karyawan Indonesia’s banking industry, Bank Muamalat always
yang berkerja pada industri ini. Untuk tetap dapat delivers transformation and implements anticipative
diperhitungkan dalam Industri Perbankan Indonesia, strategy to encounter the fierce competition or the
Bank Muamalat senantiasa melakukan transformasi condition of national macro and micro economy. With
dan menerapkan strategi yang antisipatif baik dalam the implemented transformation and various initiatives
menghadapi persaingan maupun kondisi makro dan on fundamental aspect which have strengthen the
mikro perekonomian nasional. Dengan transformasi business foundation, Bank Muamalat is set to grow
yang telah dilakukan serta berbagai inisiatif pada faster and better.
aspek fundamental yang membuat pondasi bisnis
kian kokoh, Bank Muamalat siap tumbuh lebih cepat
dan lebih baik.
Bisnis Ritel Retail Business

Penguatan pondasi bisnis retail sudah diinisiasi sejak The strengthening of retail business foundation
tahun 2009 dan semakin diperkuat pada tahun 2010. has been initiated since the year 2009, and 2010
Penguatan tersebut dimulai dari struktur organisasi, saw more effort on the strengthening, covering the
penyediaan sumber daya manusia, model bisnis, organizational structure, human resources availability,
produk, platform teknologi informasi hingga perluasan business models, products, technology platform and
jaringan. Pada tahun 2011, akselerasi bisnis retail network expansion. In the year 2011, retail business
akan lebih diintensifkan. acceleration is going to be intensified.
Segmen bisnis ritel ditargetkan untuk mendominasi Retail business segment is targeted to dominate Bank
bisnis Bank Muamalat dengan porsi lebih dari 60% Muamalat’s businesses with a portion of more than
dari total Pembiayaan dan Dana Pihak Ketiga. 60% of Total Financing and Third party Fund. With
Dengan dominasi bisnis retail ini diharapkan ada risk this retail business domination, it is expected that
spreading yang lebih besar selain profitabilitas yang there will be a bigger risk spreading as well as higher
lebih tinggi Pembiayaan ritel yang akan disalurkan profitability. Retail financing will be distributed to micro
kepada segmen mikro, UKM dan konsumer dan segments, Small and Medium Enterprises (UKM) and
perolehan dana murah dari Giro dan Tabungan consumers. The retail business and inexpensive
ditargetkan tumbuh sebesar 30%. fund gained from Demand Deposits and Savings are
targeted to grow as big as 30%.

Annual Report
105
Untuk mencapai target di atas, beberapa hal penting To meet the targets, will be implemented several
yang akan dilaksanakan antara lain: important plans:
t Pemenuhan kebutuhan sumber daya manusia t Acquiring human resources especially for sales
terutama untuk aktifitas penjualan activities
t Optimalisasi jaringan khususnya meningkatkan t Optimizing the network, especially to improve
produktifitas seluruh jaringan kantor productivity of the whole office network
t Pendalaman penetrasi produk di pasar melalui t Intensifying product penetration through
pengembangan dan peluncuran produk baru development and the launch of new products
t Peningkatan budaya layanan dan promosi t Improving service culture and sales promotion
penjualan
t Peningkatan alur kerja operasional t Improving operational workflow
Tahun 2010 Bank Muamalat tetap fokus pada Throughout the year 2010, Bank Muamalat focused on
pengembangan segmen bisnis ritel dan consumer intensively developing retail and consumer business
secara intensif dan berupaya untuk menyeimbangkan segment, and trying to balance its portfolio at corporate
portfolio bisnisnya pada segmen korporasi. Segmen segment. Retail business segment is the backbone
bisnis ritel merupakan tulang punggung bisnis Bank of Bank Muamalat’s business that can support
Muamalat yang mampu menopang pertumbuhan business growth, especially during monetary crisis.
bisnis terlebih dalam masa krisis. Salah satu faktor One of the main factors in this segment growth is the
utama dalam pertumbuhan segmen ini adalah loyalitas customers’ loyalty to keep their financial transactions
nasabah yang tetap mempercayakan transaksi handled by Bank Muamalat. To continuously improve
keuangannya kepada Bank Muamalat. Untuk terus services to customers, Bank Muamalat always sorts
meningkatkan pelayanan kepada nasabah, Bank out its products and services so that the Bank can
Muamalat senantiasa melakukan perbaikan terhadap cater the products and services that are best suited
produk dan layanannya agar dapat memenuhi to customers’ needs of sharia banking. Several
kebutuhan nasabah terhadap layanan syariah. developments of products and services had been
Beberapa pengembangan produk dan layanan baru implemented in the year 2010, among others :
telah dilakukan di tahun 2010, di antaranya:
t Tabungan Haji Arafah (Maret), t Hajj Arafah Savings (March),

t Tabungan Haji Arafah Plus (Maret), t Hajj Arafah Plus Savings (March),
t Dana Talangan Porsi Haji (Maret), t Hajj Portion Reserve Fund (March),
t TabunganKu (April), t My Saving (April),
t Tabungan Muamalat (Agustus), t Muamalat Savings (August),
t Tabungan Muamalat Pos (Agustus), t Muamalat Pos Savings (August),
t Pembiayaan Hunian Syariah Kongsi (Agustus), t Sharia Residential Partnership Financing
(August),
t Pembiayaan Hunian Syariah Pembelian t Sharia Residential Purchase Financing (August),
(Agustus),
t Automuamalat & Joint Financing Multifinance t Automuamalat & Joint Financing Multifinance
(Oktober), (October),
t Tabungan Muamalat Sahabat (Oktober). t Muamalat Sahabat Savings (October).

Annual Report
Dengan proses segmentasi, bank-bank syariah With segmentation process, sharia banks are capable
sudah mampu melahirkan variasi produk yang of creating a variety of products. The customers are
beragam. Nasabah tidak lagi ditawarkan konsep akad no longer offered the akad product concept, but the
produk, tetapi manfaat produk itu sendiri. Penajaman benefits of that particular product. Segmentation
segmentasi oleh Bank Muamalat di sini, misalnya, Focus by Bank Muamalat is reflected in the split-up of
tercermin pada pemecahan produk tabungan Haji Hajj savings into two kinds: Hajj Arafah Savings and
menjadi Tabungan Haji Arafah & Tabungan Haji Arafah Hajj Arafah Plus Savings. Besides that, the Bank has
Plus. Selain itu, dilakukan pembedaan fitur tabungan differentiated generic savings features with alliance
generik dengan tabungan aliansi menjadi Tabungan savings into Muamalat Savings, Muamalat Pos
Muamalat, Tabungan Muamalat Pos, dan Tabungan Savings, and Muamalat Sahabat Savings. The Bank
Muamalat Sahabat, serta penyesuaian perhitungan also adjusted cash ratio calculation for prospective
cash ratio bagi calon nasabah Pembiayaan Hunian customers of Sharia Residential Financing.
Syariah.
Bisnis Korporasi Corporate Business

Bisnis korporasi tumbuh 17% melalui pembiayaan Corporate Business grew 17% through financing for
untuk berbagai bidang usaha, antara lain energi various businesses, such as power generation, oil and
kelistrikan, oil & gas, pertambangan, telekomunikasi, gas, mining, telecommunication, infrastructure, food &
infrastruktur, industri makanan, kesehatan, pendidikan, beverages industry, wellness industry, education, and
termasuk pembiayaan kepada perusahaan also financing for trading companies and multifinance
perdagangan dan perusahaan multifinance. companies.
Seiring dengan perkembangan usaha, perusahaan Along with the business development, the Company
telah menetapkan kebijakan bahwa pembiayaan has made a policy that financing of Small to Medium
usaha kecil dan menengah akan menjadi prioritas Enterprises will be the priority in the future, but it will not
untuk masa yang akan datang, namun dengan tidak abandon the existing corporate financing. Corporate
meninggalkan pembiayaan korporat yang telah ada business will be focused on the existing business and
saat ini. Terhadap hal ini, maka bisnis korporasi akan developing syndicated financing.
difokuskan untuk pengembangan usaha existing serta
pengembangan pembiayaan sindikasi.
Sebaliknya untuk aktivitas pendanaan (funding), On the other hand, for funding activities, the Company
akan dilakukan upaya untuk meningkatkan Dana will aggresively try to increase the Third Party Funds,
Pihak Ketiga secara agresif, khususnya melalui especially by developing demand deposits, whose
upaya menumbuhkan rekening giro, yang memiliki fund cost is low. To reach that target, the Company will
karakteristik beban dana yang rendah. Untuk launch several products and support services, such
mencapai hal tersebut, sarana berupa produk dan as Cash Management and Internet Banking.
layanan pendukung akan diluncurkan, antara lain :
Cash Management dan Internet Banking.
Untuk antisipasi risiko pembiayaan, pada tahun 2010 To anticipate the financing risk, in 2010 a policy
telah ditetapkan kebijakan limit approval pembiayaan about limit approval for financing was implemented,
dengan memperhitungkan maximum exposure untuk by calculating the maximum exposure for each

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tiap sektor industri berdasarkan risk appetite untuk tiap industrial sector based on the risk appetite for each
level risiko yang inherent pada sektor tersebut. Divisi inherent risk level at that sector. Risk Management
Manajemen Risiko akan memantau pelaksanaannya Division will monitor the implementation to ensure that
untuk memastikan limit sesuai ketentuan. Dengan the limit complies with the provisions. Therefore, it is
demikian, ke depan diharapkan aktivitas pembiayaan expected in the future that financing activities can be
dijalankan dengan risiko yang lebih terukur dan lebih implemented with more measurable risk and more
prudent. prudence.
Seiring volume dan kompleksitas bisnis para nasabah Along with the dynamic volume and complexity of
yang dinamis, dibutuhkan transaksi dan fasilitas the customer’s business, customer needs bigger
pembiayaan yang semakin besar. Untuk menggarap transaction and financing facilities. To cultivate such
pasar potensial tersebut, maka Unit Sindikasi yang potential market, the newly established Syndication
telah dibentuk akan semakin diintensifkan. Dengan Unit will be more intensified. With this unit, Bank
dibentuknya Unit Sindikasi ini, maka Bank Muamalat Muamalat wants to make sure that corporate
ingin memastikan bahwa nasabah korporasi customers are still well serviced while complying with
tetap terlayani, dengan memperhatikan kaidah the provision of proper risk control. Syndication Unit
mengendalikan risiko yang memadai. Unit Sindikasi is able to do project arrangement, to be participant,
mampu melakukan penataan proyek, menjadi and to run the function of agent (facility, security and
partisipan, serta sekaligus menjalankan fungsi escrow agent).
keagenan (facility, security, dan escrow agent).

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Bisnis Internasional & Tresuri Treasury & International Business

Bank Muamalat mulai mengoptimalkan fungsi Bank Muamalat starts optimizing the function of
tresuri dan bisnis internasional menjadi salah satu treasury and international business into one of
unit bisnis strategis yang dapat menghasilkan strategic business units that can produce revenue
pendapatan melalui fungsi yang telah direposisi dari through repositioned function, when previously was
yang sebelumnya hanya merupakan unit pendukung only a supporting unit to the business units at the
menjadi unit bisnis bagi perusahaan. Untuk Company. To realize this the effort that optimizes
mewujudkannya upaya mengoptimalkan pendapatan revenues from money market and capital market
dari instrumen pasar uang dan pasar modal yang which comply with sharia will be optimized.While for
sesuai syariah terus akan dioptimalkan. Sementara the efforts to create revenue in the form of fee based
upaya untuk menciptakan pendapatan dalam bentuk income is conducted by initiating trade finance,
fee based income dilakukan dengan menginisiasi optimizing remittance business and others.
trade finance, mengoptimalkan bisnis remittance, dan
lain-lain.
Strategi pengembangan bisnis tresuri erat kaitannya The development strategy on treasury business
dengan perkembangan portofolio dan pemain is closely related to the portfolio development and
perbankan syariah yang meramaikan transaksi Islamic banking players who enliven the transaction in

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money market dan capital market syariah. Dimasa money market and Islamic capital market. In the future,
datang, inovasi produk tresuri berbasis syariah the innovation in sharia-based treasury product will
akan menjadi ruang bisnis yang cukup profitable. become a profitable business space. The placement
Penempatan pada instrument money market bank in sharia bank money market instrument such as
syariah seperti penempatan di Bank Indonesia seperti placement in BI like Bank Indonesia Sharia Certificate
Sertifikat Bank Indonesia Syariah (SBIS) dan Fasilitas (SBIS) and Bank Indonesia Sharia Facilities (FASBIS)
Bank Indonesia Syariah (FASBIS) akan menjadi will become options as liquidity balancer. Meanwhile,
pilihan sebagai penyeimbang likuiditas. Sementara interbank placement through Interbank Mudharabah
penempatan interbank melalui produk Sertifikat Investment Certificate (SIMA) product will also
Investasi Mudharabah Antarbank (SIMA) pun dapat become a good income generating placement.
menjadi income generating placement yang baik.
Penempatan di pasar modal, seperti pada Sukuk The placement in capital market such as state or
negara maupun korporasi, sudah cukup banyak corporate sukuk has been available and provides a
tersedia dan memberikan imbal hasil yang cukup good return. But it is also realized that the existing
baik. namun, disadari bahwa keberadaan instrumen instrument is still not much and still less variant.
yang ada saat ini masih belum banyak dan kurang Accordingly, a joint effort is needed to develop it.
bervariasi, sehingga diperlukan upaya bersama untuk
mengembangkannya.
Pengembangan jaringan kerjasama regional dan The development of regional and international
internasional selama tahun 2010 (melalui program cooperation network in 2010 (through counter- party
penyediaan counter-party limits) diharapkan berperan limits supply program) is expected to play a role
dalam penyediaan alternatif bagi penghimpunan in the alternative supply of foreign exchange fund
dana valuta asing seperti Dolar AS dari bank-bank collecting such as US dollars from foreign banks. The
asing. Penempatannya akan dilakukan, antara lain, placement will be conducted in, to name one, sukuk
pada Sukuk yang memberikan hasil yang cukup baik. that provides a good return. The Kuala Lumpur branch
Cabang Kuala Lumpur akan dijadikan jaringan untuk will be utilized as placement network in USD portfolio.
penempatan pada portofolio Dolar AS. Di samping itu, The Kuala Lumpur branch will also be optimized
Cabang Kuala Lumpur juga akan dioptimalkan untuk to mobilize foreign exchange fund for syndicated
memobilisasi dana valuta asing untuk pembiayaan financing and investment services.
sindikasi dan layanan investasi.
Untuk meningkatkan fee-based income, telah To increase the fee-based income, optimization and
dilakukan optimalisasi dan penambahan fitur additional features have been delivered to remittance
produk remittance & trade finance. Fee-based & trade finance products. Other fee-based income
income lainnya diharapkan dari penjualan produk is expected to be earned from the selling of sharia
bancassurance sharia dan investment link. Dalam bancassurance & investment link. In order to optimize
rangka mengoptimalkan aktivitas International International Banking (IB) activity in 2011, Bank
Banking (iB) tahun 2011, Bank Muamalat juga akan Muamalat will also develop investment services where
mengembangkan jasa investment service yang akan in this term Bank Muamalat will act as a financing
berperan sebagai penyedia kebutuhan pembiayaan needs provider which currently cannot be directly
yang saat ini belum dapat dibiayai langsung atau financed or still hindered by the regulation of Legal
masih terkendala aturan Batas Maksimum Pemberian Lending Limits (BMPK).
Pembiayaan (BMPP).

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Pengembangan dan penajaman infrastruktur seperti The development and enhancement infrastructure
kebijakan dan prosedur yang berkaitan dengan such as policy, SOP and IT related treasury segment,
segmen tresuri, financial institutions, dan international financial institutions and international banking, is an
banking adalah faktor yang sangat penting untuk essential factor to ensure the service activities which
memastikan aktivitas jasa yang menghasilkan fee serta produce fee and placement in treasury products;
penempatan pada produk tresuri dapat terlaksana and can be implemented and contribute to Bank
dan memberikan kontribusi pada pendapatan Bank Muamalat’s revenue in 2011.
Muamalat tahun 2011.

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111
Tinjauan Korporasi Corporate Review

Sumber Daya Manusia Human Resources
Sumber daya manusia merupakan aset terpenting Human resources is the most important asset in a
dalam sebuah korporasi. Bank Muamalat menerapkan company. Bank Muamalat implements a special
teknik khusus untuk mendidik sumber daya technique to train their human resources to be more
manusianya agar terampil, cakap, berdisplin, tekun, competent, skilled, discipline, attentive, creative,
kreatif, idealis, mau bekerja keras, kuat, dan setia idealist, hardworking, strong and loyal toward common
kepada tujuan bersama. goals
Divisi ini merekrut, mengelola, serta mengembangkan The division recruits, administers and develops
karyawan agar menjadi pribadi yang produktif, employees to be more productive individuals, well
mempunyai etika, dan profesional dalam rangka mannered and professional in terms of achieving the
mencapai visi misi Bank Muamalat. vision and mission of Bank Muamalat.
Sebagai bank Islam, Bank Muamalat dituntut untuk As an Islamic bank, Bank Muamalat is demanded to
mampu menyiapkan sumber daya manusia yang be able to prepare human resources who do not only
tidak hanya menguasai ilmu perbankan, namun juga master the banking knowledge but also the knowledge
ilmu perekonomian syariah. in sharia economy.
Dalam menjalankan fungsinya Divisi Sumber Daya In carrying out its functions, Human Resources
Manusia terdiri dari 4 bagian yaitu Recruitment, Department of Bank Muamalat is comprised of four
Training and Development, Compensation & Benefit units namely Recruitment, Training and Development,
and Central Administration, Industrial/ Internal Compensation & Benefit and Central Administration,
Relations and Policy Development. Industrial/Internal Relations and Policy Development.
Bagian recruitment berfokus pada pemenuhan Recuruitment unit focuses on the fulfillment on human
kebutuhan sumber daya manusia. Bagian training resources demand. Training and Development unit
and development mengelola pengembangan administers the employee’s competency development,
kompetensi karyawan, talent management, dan talent management and career management.
career management.
Bagian compensation & benefit and central Compensation & Benefit and Central Administration
administration merupakan bagian yang menentukan is a unit that determines the employees’ remuneration
remunerasi karyawan, benefit karyawan, menangani and benefits as well as handling performance
performance management, dan reward management, management and reward management, including
termasuk central administration yang mencakup gaji Central Administration which covers salary and
dan Human Resources Information System (HRIS). Human Resources Information System (HRIS).
Bagian terakhir yaitu industrial/internal relations The last unit is Industrial/Internal Relations and Policy
and policy development yang bertanggung jawab Development which is in charge of handling various
menangani berbagai isu terkait hubungan industri issues associated to the industry and employee
dengan karyawan. relations.

Annual Report
Visi Divisi Sumber Daya Manusia adalah to be strategic The vision of Human Resources Development is to
business partner in achieving business goals. Ini be Strategic Business Partner in Achieving Business
artinya, Divisi Sumber Daya Manusia berperan tidak Goals. That means the human resources department
hanya sebagai fungsi administratif kepersonaliaan, acts not only as HR administrative functions but also as
tapi juga sebagai mitra bisnis bagi perusahaan dalam the Company’s business partner in human resources
pengelolaan sumber daya manusia atau karyawan. or employee management
Pada tahun 2010 Divisi Sumber Daya Manusia In 2010 Human Resources Department conducted
melakukan serangkaian assessment ulang terhadap a series of developements and re-assessments on
fungsi sumber daya manusia, penyempurnaan Human resources functions, Human Resources Information
Resources Information System (HRIS), pengurangan System (HRIS) enhancement, the reduction of the
jumlah karyawan outsourcing, serta penambahan number of outsourced employees, and the increase of
jumlah karyawan officer. the number of officers.
Dalam melakukan itu telah dijalin kerja sama dengan In implementing that, cooperation with professional
beberapa perusahaan konsultan manajemen management consultant company has been
profesional guna melakukan peningkatan mutu established to enhance the employees’ quality.
karyawan.
Penyempurnaan Human Resources Information The perfection of Human Resources Information

System (HRIS) bertujuan untuk meningkatkan System (HRIS) aims to increase the effectiveness and
efektivitas dan efisiensi kinerja seluruh karyawan. efficiency of performance of all the employees. This
Program ini meliputi pengembangan sistem program covers the development of integrated and
yang berbasis data karyawan yang terpadu dan comprehensive employee database system.
komprehensif.
Untuk menambah tenaga officer, telah dilakukan To overcome the shortfall on officers employee,
program Muamalat Officer Development Program Muamalat Officer Development Program (MODP)
(MODP) dan Muamalat Officer Orientation Program and Muamalat Officer Orientation Program (MOOP)
(MOOP) yang bertujuan untuk merekrut calon have been conducted to recruit the candidates of
pimpinan Bank Muamalat masa depan. Tahun 2010 future leaders of Bank Muamalat. In 2010 the program
telah berhasil dicetak 86 officer. succeeded in generating 86 officers.

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Jaringan dan Layanan Network and Services

Jaringan Networks
Dalam menjalankan kegiatan usaha, Bank Muamalat In operating its business activities, Bank Muamalat,
yang berkantor pusat di Jakarta memiliki 75 kantor with its headquarter in Jakarta, at present has 75
cabang, 92 Kantor Cabang Pembantu, 158 Kantor offices, 92 sub-branch offices, 158 cash offices, 43
Kas, 43 Gerai Muamalat, dan 4.103 Outlet Pos Online Muamalat outlets, and 4.103 Online Post Outlets
(SOPP) (SOPP).
Tahun 2010, perseroan membuka 136 outlet kantor In 2010, the Company opened 136 new service outlets
layanan baru antara lain 1 kantor cabang dan 56 and offices. Among others are one office and 56 sub-
cabang pembantu dengan lokasi tersebar di seluruh branch offices around the country. This step was
Indonesia. Hal ini dalam rangka mendekatkan layanan taken in order to deliver closer services to customers.
dengan nasabah. Selain itu dilakukan penambahan Bank Muamalat also opened 79 new cash offices, and
79 kantor kas baru dan beberapa kantor lainnya akan plans to relocate several other offices to provide better
direlokasi untuk memberikan layanan yang lebih baik. services.
Pertimbangan pemilihan lokasi untuk perubahan Consideration for choosing the locations for new
jaringan kantor khususnya untuk tambahan kantor baru offices is based on the feasibility study on regional
didasarkan pada feasibility study mengenai potensi business potential, regional expansion, the Bank’s
bisnis daerah, pengembangan wilayah, strategi business strategy and demography to supporting
bisnis bank dan demografi yang dimungkinkan dapat business growth.
mendukung pengembangan bisnis.
Selain jaringan kantor, jaringan ATM juga menjadi Besides office network, Bank Muamalat also pays
perhatian Bank Muamalat. Tahun 2010, Perseroan special attention to ATM network of the bank. In 2010,
melakukan investasi ATM baru sebanyak 150 buah the company invested in 150 new ATMs units, placed
yang ditempatkan di kantor-kantor cabang dan at branch offices and at the locations outside the
lokasi di luar cabang yang memiliki potensi besar. branch office, which are deemed to have big potential.
Melalui jaringan ATM ini diharapkan Perseroan dapat With the stronger ATM network, the Company hopes
memberikan pelayanan yang lebih baik kepada to provide better services to its customers, aside
nasabah, selain meraih fee based income. Saat from gaining fee based income. At present, Bank
ini jaringan ATM Bank Muamalat telah terkoneksi Muamalat’s ATMs are connected to ATM Prima and
dengan ATM Prima dan ATM Bersama, sehingga ATM Bersama. This means customers can withdraw
nasabah dapat melakukan tarik tunai secara gratis cash free of administration fee and conduct several
dan beberapa transaksi perbankan lainnya melalui other banking transactions through ATM BCA and
jaringan ATM BCA dan ATM Bersama. ATM Bersama network.

Annual Report
Layanan Services
Bank Muamalat telah mampu memberikan layanan Bank Muamalat is able to provide a variety of complete
yang beragam, lengkap dan mudah sebagaimana and convenient services as any modern bank. The
bank modern. Tiga aspek utama layanan yaitu three main aspects of services, which are Premises,
Premises, People, dan Process yang merupakan People and Process are the major concern of Bank
perhatian utama Bank Muamalat dalam usaha untuk Muamalat in its bid to improve services.
meningkatkan kualitas layanannya.
Premises excellence, menyediakan fasilitas Premises excellence; providing supporting facilities

pendukung untuk kemudahan dan kenyamanan for easy and convenient transaction with Bank
bertransaksi dengan Bank Muamalat. People Muamalat. People excellence; hiring quality human
excellence, menyediakan Sumber Daya Manusia resources that are able to provide best services for the
(SDM) yang berkualitas untuk memberikan layanan customers of Bank Muamalat. Process excellence;
terbaik kepada nasabah. Process excellence, providing transaction processes which are easy, safe
menyediakan proses transaksi yang mudah, aman, and fast, for the convenience of the customers of Bank
dan cepat untuk kenyamanan nasabah. Muamalat.
Semua usaha tersebut merupakan komitmen Bank All the efforts are part of the Bank Muamalat’s
Muamalat dalam memberikan layanan terbaik untuk committment to give the best services for the
kepuasan dan loyalitas nasabah. satisfaction and loyalty of the customers.
Selain layanan kantor dan ATM, Bank Muamalat Aside from office service and ATMs, Bank Muamalat
menyediakan layanan 24 jam SMS Banking yang provides 24-hour SMS Banking service covering
mencakup layanan customer care SalaMuamalat, SalaMuamalat customer care service, Mobile Banking
Mobile Banking, dan Internet Banking. and Internet Banking.
Melalui rekening tabungan Bank Muamalat, nasabah Through their Bank Muamalat account number,
dapat melakukan pengiriman uang ke 72 bank yang customers can do the money transfer to 72 banks
tergabung dengan ATM Bersama dan 37 bank yang incorporated with ATM Bersama and 37 banks
tergabung dalam ATM BCA/Prima. incorporated with ATM BCA/Prima.
Layanan lainnya adalah Kas Kilat melalui kartu Shar-E, Other services include Kas Kilat, where with Shar-E
uang yang kiriman mudah digunakan untuk apa pun cards, customers can easily use the money they
dan bisa ditabung di seluruh cabang Bank Muamalat have in their account, and they can save money at
terdekat dan pada 4.103 System Online Payment the respective Bank Muamalat branch closest to
Point (SOPP) Kantor Pos seluruh Indonesia. Layanan their location, or at 4.103 System Online Payment
pengiriman uang juga bisa dilakukan dengan cepat, Point (SOPP) in Indonesia. Customers can also use
mudah, murah dan aman dari Malaysia kepada the Bank’s fast, easy and inexpensive remittance
keluarga di tanah air melalui rekening tabungan service to send money from Malaysia to Indonesia
Shar-E, bekerja sama dengan Bank Muamalat using Shar-E savings. This is made available with the
Malaysia Berhad (BMMB). cooperation of the Bank and Bank Muamalat Malaysia
Berhad (BMMB).

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115
Teknologi Informasi Information Technology

Bank Muamalat menyadari pentingnya penerapan The management of Bank Muamalat is fully aware of the
teknologi informasi dalam mendukung pertumbuhan importance of implementing information technology
usaha dengan mengutamakan pada kecepatan dalam to support the business growth, prioritizing speedy
pelayanan dan peningkatan mutu produk. Oleh karena services and improved quality of the products. With
itu, Divisi Teknologi telah menetapkan beberapa these considerations, the technology division of Bank
langkah strategis yang sejalan dengan strategi bisnis Muamalat came up with several strategic steps which
Bank Muamalat untuk jangka waktu 2010-2014. are in line with business strategy of Bank Muamalat
Langkah strategis tersebut dikelompokkan menjadi 4 for the period of 2010 - 2014. The strategic steps are
area utama : divided into four main areas:
a. Tata Kelola Teknologi Informasi dan Risiko a. Information Technology Governance & Risk
Pada bagian penatalaksanaan pekerjaan For measures related to the information technology-
yang ada di lingkungan teknologi informasi, based environment, the technology division refers
divisi teknologi mengacu pada Peraturan Bank to the newest Bank Indonesia Regulation No.
Indonesia terbaru Nomor 9/15/PBI/2007 dan 9/15/PBI/2007 and also the best practice applied
juga best practice yang diterapkan di industri in the banking industry. Some of the strategic
perbankan. Beberapa program strategis yang steps taken in 2010 include the establishment of
dilakukan selama tahun 2010 adalah penetapan Information Technology Committee. With the use
Komite Teknologi Informasi yang bertugas of information technology at their disposal, the
membantu Dewan Komisaris dan Direksi committee is responsible for assisting the Board of
mengawasi kegiatan terkait teknologi informasi. Commissioners and the Board of Directors in their
Mulai tahun 2010, Komite Teknologi Informasi monitoring of the bank’s activities. Beginning in
melakukan pertemuan rutin setiap dua bulan 2010, IT Committee conducted bimonthly meetings
sebagai bagian dari monitoring terhadap risiko as part of the monitoring activities to any risks
terkait teknologi informasi dan perencanaan related to information technology. The committee
investasi teknologi informasi. Review dan also monitored any investment opportunities in
penyempurnaan kebijakan dan peraturan (policy information technology. In 2010, the Company
& procedure) teknologi informasi juga dilakukan conducted a review and improvement of policy
selama tahun 2010 dengan proses quality and procedures on the Company’s information
assurance untuk memastikan bahwa prosedur technology followed by Quality Assurance process
tersebut dijalankan sesuai aturan tertulis. to ensure that there were no missteps in following
the written procedures.
b. Infrastuktur Teknologi Informasi b. IT Infrastructure

Beberapa program kerja terkait dengan perbaikan Several work programs related to the improvement
infrastruktur teknologi informasi dilakukan of IT infrastructures were executed in line with
sejalan dengan pertumbuhan jumlah transaksi the growing number of transactions and offices.
dan cabang yang ada di Bank Muamalat serta Bank Muamalat also prepared installed capacity
mempersiapkan kapasitas terpasang yang siap to support this growth. In 2010 Bank Muamalat
mendukung pertumbuhan. Pembangunan Pusat started the development of Data Center and
Data dan realokasi Disaster Recovery Site yang reallocation of Disaster Recovery Site, which
memenuhi standar industri serta standarisasi meet the criteria required by the industry and the
penggunaan desktop dengan penerapan model Company also standardized the use of desktops

Annual Report
seat management telah dimulai tahun 2010. by implementing Seat Management model,
Divisi Teknologi menyadari bahwa sebaran fisik effective in 2010. The technology Division realized
cabang yang sangat luas dengan jumlah desktop that the wide distribution of offices and the big
yang sangat banyak tidak mungkin didukung number of desktops are not fully supported by
oleh jumlah staf yang terbatas. Karena itu pilihan the limited number of employees. This is why
penggunaan model seat management menjadi the division came to the conclusion that Seat
pilihan terbaik yang harus dilakukan. Management model was the best choice.
c. Sumber Daya Manusia Teknologi Informasi c. Information Technology Human Resources

Kompetensi dan spesialiasi dibidangnya masing- Competency and specialization in respective field
masing telah mulai dikembangkan pada tahun started developing in the year 2010. The perfection
2010. Penyempurnaan struktur organisasi Divisi of organizational structure of Technology Division
Teknologi menjadi dasar utama yang disertai becomes the main foundation that includes the
dengan pengembangan kemampuan karyawan, employees competency development, placement
penempatan sesuai kompetensi, melakukan according to their competence, recruitment of
rekrutmen beberapa posisi penting seperti several strategic posts, such as Management Office,
Management Office & Quality Assurance, serta Quality Assurance and IT Security; all of which were
Information Technology Security merupakan important step taken in 2010. The positions needed
langkah penting yang dilakukan selama tahun to be filled as in those areas there are potential risks
2010. Kedua posisi penting tersebut harus segera related to information technology; and with the
diisi karena pada area tersebut terdapat potensi positions filled, any risks can quickly be mitigated
risiko yang harus dimitigasi dan diselesaikan and solved.
segera.

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117
d. Application Target Model d. Application Target Model

Pada awal tahun 2010, Bank Muamalat berinisiatif At the beginning of 2010, Bank Muamalat took
untuk melakukan penggantian switching system the initiative to substitute the Switching System
sebagai langkah awal mempersiapkan aplikasi as the initial step for the preparation of installing
yang lebih handal dalam pengelolaan transaksi better application for handling transactions
melalui delivery channel yang beragam. through varied delivery channels. The switch was
Penggantian sistem dilakukan sejalan dengan man to accommodate the new 150 ATMs which
penambahan 150 unit ATM dan beberapa fitur provide new features for the customers. Several
untuk memperluas layanan nasabah. Beberapa services which were already operational in 2010
layanan yang telah berjalan pada tahun 2010 are payments of telephone bills to Telkom Group
adalah pembayaran Telkom Group (Telkom, (Telkom, Telkomsel, Telkom Speedy, and others),
Telkomsel, Telkom Speedy, dll) serta Indosat and Indosat (Matrix, Mentari, and others).
(Matrix, Mentari, dll).
Sejalan dengan proses penggantian tersebut, Along with the switch, the technology division
Divisi Teknologi menetapkan application also set up Target Model Application. It was to
target model sebagai landasan utama dalam be the base model in providing and developing
pengadaan dan pengembangan aplikasi yang the available applications which are already
telah ada mencakupi core banking serta aplikasi operational within the Bank. This applies to
pendukung lainnya. Hal ini sejalan dengan Core Banking applications and other supporting
kebutuhan bisnis yang tertuang dalam strategi applications. This is in line with business needs as
bisnis Bank Muamalat 2009-2014. Penetapan stipulated in Business Strategy of Bank Muamalat
ini melalui mekanisme terstruktur dengan 2009-2014. The decision was taken following the
persetujuan Komite Teknologi Informasi agar structural mechanism with the signed agreement
pada setiap proses investasi dapat dikontrol dan from Information Technology Committee. This
dimonitor secara baik. is necessary to ensure that in each investment
process, there are accountable control and
monitoring measures.
Berdasarkan target model tersebut, tahun 2010, Based on the target model, in 2010 the technology
Divisi Teknologi mulai memproses pengadaan division of Bank Muamalat started the process
Islamic Core Banking System dengan of establishing Islamic Core Banking System.
mengundang beberapa sistem terbaik yang ada The technology division invited some of the best
di industri perbankan. Proses pengadaan ini system providers in the banking industry, and the
melalui mekanisme terbuka dan transparan guna tender process was done through transparent
mendapatkan core banking yang terbaik. open mechanism in order to get the best core
banking system .
Keempat area di atas menjadi acuan dalam strategi The four areas above are the reference in the strategy
pengembangan teknologi informasi di Bank Muamalat of developing the information technology at Bank
untuk tahun berikutnya dan akan dilakukan review Muamalat in the following years, with a routine review
secara rutin untuk mendapatkan solusi terbaik. to ensure that the solutions are always the best one
on offer.
Tahun 2011, Bank Muamalat akan tetap mengacu In 2011, Bank Muamalat still refers to the four areas
pada empat area tersebut dengan fokus program : with program focuses on:
1. Implementasi pengamanan (IT Security) yang 1. The IT Security reached all branches, and on
lebih luas ke seluruh cabang dan proses serta all processes and platforms (Operating System,
platform (Operating System, Application, applications, Database and network)
Database and Network)
2. Konsolidasi infrastruktur dengan orientasi 2. Infrastructure consolidation with the orientation
pada aspek keamanan data, kapasitas sesuai that focuses on data security, on-demand
kebutuhan (on-demand), dan efisien dalam hal capacity and cost efficiency
biaya
3. Penerapan proses dan kultur project management 3. Stronger process implementation and the
yang lebih ketat untuk seluruh unit di divisi culture of project management, which is tighter
teknologi for all units at technology division
4. Implementasi core banking yang baru dengan 4. The new core banking implementation with
fokus pada modul trade fnance dan treasury focus on Trade Finance and Treasury modules

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RISK MANAGEMENT
MANAJEMEN RISIKO
Peranan manajemen risiko semakin penting karena The role of risk management is important as banks
bank dan pengawas bank di seluruh dunia semakin and bank monitoring bodies anywhere in the world
menyadari bahwa praktek manajemen risiko yang realize how good risk management practices plays
baik memegang peranan penting bagi keberhasilan an important role in the success of a bank and the
bank dan juga sistem perbankan secara keseluruhan. banking system as a whole. For this reason, Bank
Untuk itu Bank Muamalat menerapkan manajemen Muamalat applies risk management by establishing
risiko dengan membentuk Satuan Kerja Manajemen Risk Management Task Force. The task force is
Risiko yang mengelola risiko pembiayaan, risiko responsible for managing risks related to financing,
operasional, risiko pasar, risiko likuiditas, risiko operation, market, liquidity, strategic, legal, reputation
stratejik, risiko hukum, risiko reputasi dan risiko and compliance. The process of risk management
kepatuhan. Proses pengelolaan manajemen risiko at Bank Muamalat is exercised through identification,
Bank Muamalat dilakukan melalui identifikasi, appraisal, monitoring and control over risks mentioned
pengukuran, pemantauan dan pengendalian terhadap above.
risiko sebagaimana di atas.
Pelaksanaan proses identifikasi risiko dilakukan For risk identification process, Bank Muamalat
dengan analisis karakteristik risiko yang melekat conducts analysis on risk characteristics attached
pada produk dan kegiatan usaha bank. Sedangkan to products and business activities. As for risk
untuk pengukuran risiko, Bank Muamalat melakukan appraisal, Bank Muamalat periodically evaluates
evaluasi secara berkala terhadap kesesuaian asumsi, the accordance of the assumption, sources of data
sumber data, dan prosedur yang digunakan untuk and procedures used to calculate the risks and to
mengukur risiko dan penyempurnaan terhadap improve the risk appraisal system should there be any
sistem pengukuran risiko apabila terdapat perubahan changes in business activities, products, transactions
kegiatan usaha, produk, transaksi dan faktor risiko and risk factors relatd to the materials of the Company.
yang bersifat material pada Perseroan. Pemantauan Risk monitoring is done by making evaluation of risk
risiko dilakukan dengan evaluasi terhadap eksposur exposures and improvement of disclosure process
risiko dan penyempurnaan proses pelaporan should there be any changes in business activities,
apabila terdapat perubahan kegiatan usaha, produk, products, transactions, risk factors, information
transaksi, faktor risiko, teknologi informasi, dan sistem technology and risk management information system
informasi manajemen risiko yang bersifat material. related to the Bank’s materials.
Dengan ditetapkannya struktur organisasi Bank With the setting up of Bank Muamalat‘s new
Muamalat yang baru pada Oktober 2010, fungsi organizational structure in October 2010, Risk
dan proses manajemen risiko dijalankan oleh Management Division carries out the functions and
Divisi Manajemen Risiko yang berada dibawah process of risk management under the supervision
supervisi Direktur Kepatuhan dan Manajemen Risiko. of Compliance and Risk Management Director. The
Penyusunan struktur organisasi dilakukan dengan arrangement and drafting of the Company’s structure
pendekatan jenis risiko yang ditangani (risk handled are done using the risk handled approach. As we all
approach). Sebagaimana diketahui Bank Indonesia known, Bank Indonesia requires banks operating in
mempersyaratkan bank-bank di Indonesia untuk Indonesia to conduct management process with eight
melakukan proses manajemen dengan 8 jenis risiko, (8) types of risk: financing, market, liquidity, operation,

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119
yakni : risiko pembiayaan, risiko pasar, risiko likuiditas, strategy, legal, reputation and compliance. In relation
risiko operasional, risiko strategis, risiko hukum, risiko with this matter, the departments working under Risk
reputasi, dan risiko kepatuhan. Sehubungan dengan Management Division are as follows:
hal tersebut, maka departemen yang ada dibawah
Divisi Manajemen Risiko, adalah sebagai berikut :
1. Financing Risk Management Department, 1. Financing Risk Management Department,

melakukan proses manajemen risiko pembiayaan responsible for running financing risk
management process
2. Risk Profile Reporting & Monitoring Department, 2. Risk Profile Reporting & Monitoring Department,
membuat laporan profil risiko, memonitor profil responsible for making risk profile reports,
risiko, mengevaluasi, serta mengusulkan alat monitoring risk profile, evaluating and making
ukur dan prosedur manajemen risiko suggestion on appraisal instruments and
procedures of risk management
3. Market & Liquidity Risk Management Department, 3. Market & Liquidity Risk Management Department,
menjalankan proses manajemen risiko pasar dan responsible for running the market and liquidity
likuiditas risk management process
4. Operational & Other Risks Management 4. Operational & Other Risks Management
Department, melaksanakan proses manajemen Department, responsible for running operational
risiko operasional dan mengawasi risiko strategis, risk management process and monitoring
hukum, dan kepatuhan strategic, legal and compliance risks
Pengelolaan Risiko Pembiayaan Financing Risk Management

Risiko pembiayaan sering didefinisikan sebagai risiko Financing risk is often defined as loss risk due to
kerugian akibat kegagalan atau ketidakmampuan failure or inability of debtors to fulfill their obligations
nasabah pembiayaan untuk memenuhi kewajibannya as stipulated in the agreement made between Bank
sesuai akad atau perjanjian yang telah ditetapkan Muamalat and the debtors. The structure of the bank
antara Bank Muamalat dengan nasabah pembiayaan. assets is that most of the assets are in the form of
Struktur aset bank memiliki karakteristik bahwa financing, which is the bank’s main business. This
sebagian besar aset bank tertanam dalam bentuk means that each financing effort carries with it the
pembiayaan yang merupakan bisnis utama bank. inherent risks, or financing risks. This requires that
Dengan demikian, setiap penyaluran pembiayaan financing risk management be given more attention
mengandung risiko inherent yaitu risiko pembiayaan, compared to other risks. This is mirrored in the
sehingga pengelolaan risiko pembiayaan development of organizational structure and the
mendapatkan perhatian yang lebih dibandingkan risiko roles of Financing Risk Management Department
lain. Hal ini tercermin dalam pengembangan struktur which is responsible for risk management process on
organisasi dan peran yang dijalankan oleh Financing financing risk. Bank Muamalat requires the presence
Risk Management Department yang menjadi of Financing Risk Management Department in each
pelaksana proses manajemen risiko pembiayaan. branch office, office area and head office.
Bank Muamalat menetapkan departemen ini ada di
setiap cabang, area, dan di kantor pusat.

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Salah satu tugas utama Financing Risk Management One of the main duties of Financing Risk Management
Department adalah melaksanakan fungsi independen Department is to apply independent function of
financing risk assessment dan bertindak sebagai financing risk assessment and acts as independent
independen financing risk assessor dalam financing risk assessor for financing proposal. The
pengajuan pembiayaan. Tugas ini dilaksanakan duty is carried out by Financing Risk Officer (FRO)
oleh Financing Risk Officer (FRO) untuk level officer for officer level and Financing Risk Staff (FRS) for
dan Financing Risk Staff (FRS) untuk level clerical. clerical level. Both can be stationed at the head office,
Keduanya dapat berkedudukan di kantor pusat, branch office or area office, and both are responsible
cabang, atau area, dan bertanggung jawab kepada for reporting to Risk Management Division Head.
Kepala Divisi Manajemen Risiko . Sedangkan Meanwhile, Financing Risk Monitoring Officer (FRMO)
Financing Risk Monitoring Officer (FRMO) bertugas is responsible for updating and monitoring the
untuk memperbaharui dan mengawasi pembiayaan financing so that it complies with Muamalat Industrial
agar sesuai dengan Muamalat Industrial Code dan Code and Bank Indonesia Regulations.
Ketentuan Bank Indonesia.
Setiap pengajuan pembiayaan, exposure baru Each new financing proposal, exposure or addendum
atau tambahan, wajib melewati risk assessment is required to pass through the risk assessment process
untuk mengukur dan menilai risiko yang timbul dari where risk that may arise from Bank Muamalat’s
penyaluran pembiayaan oleh Bank Muamalat kepada financing is appraised and assessed. Risk assessment
nasabah. Risk assessment dilaksanakan sebelum should be done before the decision to approve the
pengajuan pembiayaan diputuskan oleh Komite financing is given by Financing Committee. This is to
Pembiayaan sesuai dengan batas kewenangannya. control any risk in financing, to disclose portfolio of
Tujuannya adalah untuk mengendalikan risiko financing risks, to practice sound financing principles
pembiayaan, melakukan penyebaran risiko portofolio, and prudence principles, to improve the efficiency
menerapkan asas-asas pembiayaan yang sehat dan and effectiveness of risk financing management
prinsip kehati-hatian, meningkatkan efesiensi dan and to meet the needs for financing according to
efektivitas pengelolaan risiko, pemenuhan kebutuhan sharia principles. Bank Muamalat applies mitigation
pembiayaan sesuai syariah, serta menerapkan procedures in the form of financing requirements on
mitigasi dalam bentuk persyaratan pembiayaan pada identified risks.
risiko yang teridentifikasi.

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121
Pengelolaan Risiko Operasional Operational Risk Management

Risiko operasional merupakan risiko kerugian yang Operational risks are loss risk due to failures in
diakibatkan oleh kegagalan atau tidak memadainya or inadequate internal processes, human and
proses internal, manusia dan sistem, atau sebagai system error, or as the result of external factors. The
akibat dari kejadian eksternal. Manajemen risiko management of operational risk of Bank Muamalat
operasional Bank Muamalat dilakukan sesuai complies with Bank Indonesia Regulation Number
ketentuan PBI Nomor 5/8/PBI/2003 tentang 5/8/PBI/2003 pertaining to the Implementation of Risk
Implementasi Manajemen Risiko untuk Bank Umum. Management on Public Banks.
Operational & Other Risks Management Department Operational and Other Risks Management
Manajemen risiko operasional untuk mengelola Department.
potensi risiko operasional yang kemungkinan dapat This operational risk management is responsible for
timbul, sehingga menyebabkan kerugian bank. managing the potentials of operational risks which
Salah satu tugas utama dari Operational & Other may arise and cause the bank to suffer losses. One
Risks Management Department adalah memastikan of the main duties of Operational Risk Management
fungsi independen operational risk assessment telah Department is to make sure that the functions
berjalan efektif oleh operational risk officer pada of independent operational risk assessment are
Divisi Manajemen Risiko. Selain itu, departemen ini run effectively by operational risk officer at Risk
bertugas memberikan risk opinion terhadap segenap Management Division of the head office. In addition,
operational risk, reputation risk maupun strategic risk the department is also required to give risk opinion
yang dihadapi bank secara keseluruhan sehubungan on all operational risks, reputation risks and strategic
dengan pelaksanaan aktivitas bank. risks the Bank is facing in relation with the Bank’s
activities.
Pengidentifikasian dan pengukuran risiko operasional Identification and appraisal of operational risks are
dilakukan oleh resident auditor yang ada di cabang conducted by resident auditors at all branch offices
seluruh Indonesia. Temuan pemeriksaan yang throughout Indonesia. Findings are reported using
dilaporkan dengan menggunakan media Lembar the media of Irregularities and Risky Transactions
Kerja Pencatatan Penyimpangan dan Transaksi Worksheet List (LKPPTB).
Berisiko (LKPPTB).
Pelaporan risiko operasional dilakukan oleh The operational risk reports are conducted by
Operational & Other Risks Management Department, Operational & Other Risks Management Department.
melalui pelaporan manajemen risiko triwulanan The reports are submitted every three months to Bank
kepada Bank Indonesia dan bulanan untuk keperluan Indonesia and every month to the Bank’s internal
internal. system.
Sedangkan untuk pengendalian risiko operasional Meanwhile, for the operational risk control is done
dilakukan oleh seluruh Operation Manager dan Divisi by all Operation Managers and National Operation
Operasi Nasional. Pada dasarnya setiap karyawan Division. In essence, every employee is responsible
bertanggung jawab meminimalisir kemungkinan for minimizing any risk in each operational activity.
terjadinya risiko dalam setiap aktivitas operasional.

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Bank Muamalat berkomitmen penuh untuk senantiasa Bank Muamalat is fully committed to always improving
meningkatkan kemampuan pengelolaan risiko the management of operational risk so that it will be
operasional secara profesional dan konsisten. more professional and consistent.
Pengelolaan Risiko Pasar dan Risiko Likuiditas Market and Liquidity Risk Management
Market & Liquidity Risk Management Department Market and Liquidity Risk Management Department
menangani manajemen risiko yang berkaitan risiko handles risk management related to market and
likuiditas dan risiko pasar. Dalam hal ini Market & liquidity risks. In this case, Market and Liquidity Risk
Liquidity Risk Management Department memonitor Management Department monitors the daily activities
aktivitas harian yang dilaksanakan Divisi Tresuri serta of the Treasury Division and conducts exposures to
melakukan sosialisasi kepada unit pengelola risiko risk management units that relate to perceptions on
(risk taking unit) yang terkait dalam rangka penyamaan market risk culture, liquidity risk and other related
persepsi tentang budaya risiko pasar, risiko likuiditas, issues.
serta ketentuan lainnya.
Seiring dengan kebutuhan pengelolaan risiko pasar Along with the needs of market and liquidity risks
dan likuiditas dalam rangka pemenuhan kebutuhan management, and to make internal management
laporan internal manajemen dan eksternal kepada reports and external reports to Bank Indonesia, the
Bank Indonesia, maka tahap awal fokus pekerjaan first focus of the job in 2010 was improving market and
selama tahun 2010 adalah penyempurnaan laporan liquidity profile reports.
profil risiko pasar dan likuiditas.
Proses sebagian besar berhubungan dengan The process is related mostly to the establishment
pembangunan database untuk pengukuran parameter of database for appraisal parameters of market and
profil risiko pasar dan likuiditas sebagai berikut : liquidity risks profile, as follows:
1. Pengumpulan data historis dan terkini untuk 1. Collection of historical and current data for daily
harga pasar harian Surat Berharga Syariah market price from Sharia Securities issued by the
Negara (SBSN), Sukuk Ritel dan Korporat yang government (SBSN), retail Sukuk and corporate
dimiliki oleh Bank Muamalat sharia bonds owned by Bank Muamalat Muamalat
2. Pengumpulan data historis dan terkini untuk 2. Collection of historical and current data for
tingkat suku bunga harian Rupiah dan USD, daily rates, either IDR or USD, such as Jakarta
seperti Jakarta Interbank Offered Rate (JIBOR), Interbank Offered Rate (JIBOR), Singapore
Singapore Interbank Offered Rate (SIBOR), dan Interbank Offered Rate (SIBOR), and London
London Interbank Offered Rate (LIBOR) Interbank Offered Rate (LIBOR)
3. Pengumpulan data historis dan terkini nilai tukar 3. Collection of historical and current data of foreign
seluruh mata uang asing yang dikelola oleh Divisi currencies managed by Treasury Division.
Tresuri
4. Pengumpulan data lain dari Divisi Tresuri dan 4. Collection of other data from Treasury Division
Divisi Strategi dan Keuangan yang terkait dengan and Finance and Strategy Division related to the
keperluan pengukuran parameter profil risiko appraisal of profile parameters of other market
pasar dan risiko likuiditas lainnya and liquidity risks.

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Pelaporan Manajemen Risiko Bank Muamalat Bank Muamalat Risk Management Report
Pelaporan profil risiko Bank Muamalat dilakukan sesuai Report of Bank Muamalat’s profile risks complies with
dengan ketentuan PBI Nomor 5/ PBI/2003 dan PBI Bank Indonesia Regulation Number 5/PBI/2003 and
Nomor 11/25/PBI/2009 yang dibuat dan dilaporkan Bank Indonesia Regulation Number 11/25/PBI/2009
oleh Risk Profile Reporting & Monitoring Department made and reported quarterly by Risk Profile Reporting
secara triwulan untuk posisi akhir bulan Maret, Juni, and Monitoring Department with the last positions
September, dan Desember. Seluruh laporan profil in March, June, September and December. All risk
risiko telah dilaporkan secara tepat waktu, akurat, profile reports were submitted on time, were accurate
dan lengkap dalam 8 jenis risiko yang dihadapi bank, and complete covering all eight (8) types of risks.
sehingga dapat menjadi dasar dalam pengambilan They were used as basis in the decision making by
keputusan oleh manajemen. the management of Bank Muamalat.
Divisi Manajemen Risiko beserta divisi terkait telah Risk Management Division and other related divisions
dan akan terus berupaya melakukan berbagai have and will continue to make improvements in
penyempurnaan metode pengukuran dan penentuan appraisal methods and risk profiling so that they can
profil risiko secara intensif dan berkesinambungan, be more applicative.
sehingga diharapkan dapat lebih aplikatif.
Dalam rangka pelaksanaan proses dan sistem In the application of process and system of effective
manajemen risiko yang efektif sebagaimana dimaksud risk management as stipulated in Bank Indonesia
dalam Peraturan Bank Indonesia (PBI) Nomor 05/8/ Regulation Number 05/8/PBI/2003 (The application
PBI/2003 (Penerapan Manajemen Risiko bagi Bank of risk management by public banks) described
Umum) tertuang pada Bab VII tentang organisasi in Chapter VII on the organization and function of
dan fungsi manajemen risiko yang dinyatakan risk management where it is stated that bank is
bahwa bank wajib membentuk Komite Manajemen required to form Risk Management Committee and
Risiko dan Satuan Kerja Manajemen Risiko. Untuk Risk Management Task Force. As a response to
merespon hal tersebut, maka manajemen membentuk this regulation, the management of Bank Muamalat
Komite Manajemen Risiko sesuai dengan Surat established Risk Management Committee which is
Keputusan Direksi Nomor 120/ DIR/KPTS/XI/2009 in accordance with Director Decision Letter Number
tanggal 30 November 2009. Komite Manajemen 120/ DIR/KPTS/XI/2009 on 30 November 2009. Risk
Risiko melakukan rapat rutin setiap bulan membahas Management Committee conducts a monthly meeting
perkembangan Laporan Profil Risiko dan berbagai isu to discuss the development of risk profile reports
terkait perbaikan atau penyempurnaan pelaksanaan and related issues, and the improvement of risk
manajemen risiko berdasarkan hasil evaluasi Laporan management implementation based on the evaluation
Profil Risiko Bank Muamalat. of risk profile reports of Bank Muamalat.
Sertifikasi Manajemen Risiko. Risk Management Certification

Untuk mendukung pelaksanaan manajemen risiko To support the implementation of risk management in
bagi kegiatan usaha diperlukan pengurus dan the business activities, there should be administrators
pejabat Bank Muamalat yang memiliki kompetensi and officers of Bank Muamalat with competence and
dan keahlian dalam bidang manajemen risiko. skills in risk management. The improvement of the
Peningkatan kompetensi pengurus dan pejabat bank competence of the Bank’s administrators and officers

Annual Report
merupakan salah satu upaya untuk meningkatkan is one way to improve the quality of the Bank’s risk
kualitas manajemen risiko. Sehubungan dengan itu, management. In relation with this, administrators
pengurus dan pejabat bank umum harus memiliki and officers of public banks should possess the
sertifikat manajemen risiko sesuai dengan peraturan Risk Management Certificate as stipulated in Bank
yang dikeluarkan oleh Bank Indonesia tanggal 4 juni Indonesia Regulation issued on 4 June 2009. The
2009. Jumlah karyawan Bank Muamalat selama tahun number of Bank Muamalat officers in the year 2010
2010 yang telah memiliki sertifikat manajemen risiko who were certified in risk management based on Bank
sesuai Peraturan Bank Indonesia Nomor 11/19/2009, Indonesia Regulation Number 11/19/2009, were:
adalah :
1. Manajemen risiko tingkat 1 : 296 orang 1. Risk Management Level 1 : 296 personnel
Pengisian jabatan dan pejabat bank disesuaikan The placement of officers is based on the capabilities
dengan kapabilitas sumber daya manusia yang telah of the human resources who have followed the
memiliki Sertifikat Manajemen Risiko sesuai dengan certification procedures for risk management based
persyaratan jenjang jabatan sebelum tanggal 3 on the person’s career ladder prior to 3 August
Agustus 2011. Bank Muamalat akan mengikutsertakan 2011. Bank Muamalat will include its employees in
karyawannya pada Uji Kompetensi Manajemen Risiko Risk Management Competence Test (UKMR), and
(UKMR) dan program pemeliharaan/penyegaran refreshment programs slated for 2011 are detailed as
pada tahun 2011 adalah sebagai berikut : follows:
1. Program pemeliharaan/penyegaran Tingkat 1 : 11 1. Refreshment Program Level 1 : 11 personne

orang
2. Program pemeliharaan/penyegaran Tingkat 2 : 4 2. Refreshment Program Level 2 : 4 personnel
orang
orang
orang
Penerapan Manajemen Risiko Teknologi Informasi Implementation of Information Technology Risk

Dalam struktur organisasi, Information Technology Management
Risk Officer berada pada Operational Risk Department In organizational structure, Information Technology
dan memiliki tanggung jawab melakukan identifikasi Risk Officers are part of Operational Risk Department
current risks dan potensi risiko yang berkaitan and are responsible for Identifying Current Risks and/
dengan penyelenggaraan teknologi informasi or potential risks related to information technology.

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mencakup aspek sesuai yang digariskan dalam This covers aspects stipulated in Bank Indonesia
Peraturan Bank Indonesia Nomor 9/15/PBI/2007 Regulation Number 9/15/PBI/2007 on 30 November
tanggal 30 November 2007, tentang Pedoman bagi 2007, about Guidelines for Banks in Implementing
Bank dalam Penerapan dan Pelaksanaan Manajemen and Conducting Risk Management in Integrated
Risiko dibidang Teknologi Informasi Secara Terpadu. Information Technology. In the guidelines, it is stated
Dalam pedoman tersebut dicantumkan bagaimana how to conduct identification, appraisal, monitoring,
melakukan identifikasi, pengukuran, pemantauan, and control and system of risk management related
serta pengendalian dan sistem manajemen risiko to planning, development, procurement and
terkait dengan perencanaan, pengembangan, management of information technology which are
pengadaan, dan pengelolaan teknologi informasi integrated into the function and organization of risk
yang menjadi satu kesatuan dengan fungsi dan management of the Bank.
organisasi manajemen risiko pada bank.
Menegakkan prinsip Information Technology (IT) The principle of Information Technology (IT)
Governance agar investasi teknologi informasi dapat Governance is implemented so that investment in IT
memberikan benefit kepada pencapaian bisnis. IT can give benefit to business targets. IT governance
Governance meliputi: comprises:
t Strategic Alignment : IT Strategic Plan harus t Strategic Alignment: IT Strategic Plan should be
selaras dengan Business Strategic Plan in line with Business Strategic Plan
t Value Delivery : Semua IT Project harus t Value Delivery: All IT projects should give values
memberikan value kepada bisnis to the business
t Risk Management : Memastikan bahwa semua t Risk Management: Making sure that all inherent IT
Inherent IT Risk telah dikelola secara baik risks are managed well
t Resources Management : Memastikan bahwa t Resources Management: Making sure that all IT
semua IT Resources telah dikelola secara baik resources are managed well and accurate
dan benar
t Performance Measurement : Memastikan bahwa t Performance Measurement: Making sure that IT
IT Performance KPI (Key Performance Indicator) performance (KPL – Key Performance Indicator)
telah dipenuhi secara baik dan benar are all met well and accurate
Melakukan IT Risk Assessment untuk : (1) Mengenali Conducting IT risk assessment to Identify (1) inherent
inherent risk maturity level, (2) Risk profile (3) Risk risk maturity level, (2) risk profile (3) risk
registry masing-masing aspek penyelenggaraan registry of each aspect of IT implementation, which
teknologi informasi yang meliputi : comprises:
t Manajemen t Management
t Pengembangan dan Pengadaan Sistem t System Development and Procurement
t Aktivitas Operasional t Operational Activities
t Jaringan Komunikasi t Communication Network
t Pengamanan Informasi t Information Security
t BCP (Business Continuity Planning) t BCP (Business Continuity Planning)
t EUC (End User Computing) t EUC (End User Computing)
t Electronic Banking t Electronic Banking
t Penggunaan Pihak Penyedia Jasa Teknologi t The Use of Information Technology Service
Informasi Provider

Annual Report
TATA KELOLA PERUSAHAAN
GOOD CORPORATE GOVERNANCE
PT. BANK MUAMALAT INDONESIA,TBK (BMI) MEMILIKI KOMITMEN PENUH DAN KONSISTEN MELAKSANAKAN
TATA KELOLA PERUSAHAAN YANG BAIK ATAU GOOD CORPORATE GOVERNANCE (GCG) SEJAK MULAI
BERDIRI.
PT Bank Muamalat Indonesia Tbk (BMI) has full commitment and consistent in implementing Good Corporate
Governance (GCG) since its establishment.
1. PENGANTAR 1. PREFACE
Pelaksanaan Tata Kelola Perusahaan di Bank Muamalat The implementation of Good Corporate Governance in
merupakan bagian tak terpisahkan dari Muamalat Bank Muamalat is an inseparable element from Muamalat
Spirit, yang intinya adalah semangat tanggung jawab, Spirit, which in essence is the spirit of responsibility,
akuntabilitas, keterbukaan, pengabdian dan ketaatan accountability, transparency, dedication and devotion to
kepada Allah SWT, serta keadilan yang dijalankan Allah SWT as well as equality carried out through various
melalui berbagai pemerataan kemampuan, equalizations of skill, knowledge, information and reward.
pengetahuan, informasi dan penghargaan. Semangat This spirit is the foundation of business management
inilah yang menjadi dasar bagi pengelolaan usaha and Bank Muamalat’s code of ethics.
dan kode etik Bank Muamalat.
Umum General
Sejak awal berdirinya hingga saat ini, Bank Muamalat Since first established until this very moment, Bank
terus berkomitmen dan selalu berupaya konsisten Muamalat is continuously committed to and always strive
dalam meningkatkan implementasi Tata Kelola for being consistent in enhancing the implementation of
Perusahaan atau Good Corporate Governance (GCG). Good Corporate Governance (GCG).

Annual Report
Hal tersebut tercermin dari kewajiban penyampaian Such commitment is reflected in the responsibility of
laporan GCG kepada Bank Indonesia, yang terus delivering GCG report to Bank Indonesia (BI), which is
dilaksanakan secara berkesinambungan sebagai done continously as the realization of the Company’s
wujud komitmen dan konsistensi Perseroan dalam commitment and consistency in carrying PBI (Regulation
melaksanakan Peraturan Bank Indonesia (PBI) of Bank Indonesia) No. 11/33/PBI/200 dated 7 December
Nomor 11/33/PBI/200 tanggal 7 Desember 2009 dan 2009 SE (Circulatory Letter) BI No.12/13/DPbS dated
Surat Edaran (SE) BI Nomor 12/13/DPbS tanggal 30 30 April 2010 concerning the implementation of Good
April 2010 tentang Pelaksanaan Good Corporate Corporate Governance for Sharia Public Banks and
Governance Bagi Bank Umum Syariah dan Unit Sharia Business Units, especially Section 62 and
Usaha Syariah, terutama Pasal 62 dan Pasal 63 Section 63 concerning Bank’s duty to release the report
mengenai kewajiban bank untuk menyampaikan of GCG implementation to Bank Indonesia and other
laporan pelaksanaan GCG kepada Bank Indonesia stakeholders.
dan pemangku kepentingan lainnya.
Selain ketentuan Peraturan Bank Indonesia dan Surat In addition to the stipulations from Regulation of Bank
Edaran Bank Indonesia, pelaksanaan GCG di Bank Indonesia and Circulars Letter of Bank Indonesia, the
Muamalat juga berpedoman pada ketentuan internal GCG implementation in Bank Muamalat is also based
dan peraturan perundang-undangan yang berlaku on the internal stipulations and other applicable laws and
lainnya, seperti: regulations, such as:
1. Undang-Undang Republik Indonesia Nomor 40 1. Law of Republic Indonesia Number 40 Year 2007
Tahun 2007 tentang Perseroan Terbatas concerning Limited Liability Company
2. Undang-Undang Republik Indonesia Nomor 21 2. Law of Republic Indonesia Number 21 Year 2008
Tahun 2008 tentang Perbankan Syariah concerning Sharia Banking
3. Peraturan Bank Indonesia Nomor 11/3/PBI/2009 3. Regulation of Bank Indonesia Number 11/3/
Tentang Bank Umum Syariah PBI/2009 concerning Sharia Commercial Bank
4. Peraturan Bank Indoenesia Nomor 11/25/PBI/2009 4. Regulation of Bank Indonesia Number 11/25/
tentang Perubahan Peraturan Bank Indonesia PBI/2009 concerning the change of Regulation of
Nomor 5/8/PBI/2003 mengenai Implementasi Bank Indonesia Number 5/8/PBI/2003 concerning
Manajemen Resiko pada Bank Umum the Implementation of Risk Management of
Commercial Banks
5. Peraturan Bank Indonesia Nomor 11/28/PBI/2009 5. Regulation of Bank Indonesi Number 11/28/
Tentang Penerapan Anti Pencucian Uang (APU) PBI/2009 concerning the application of Anti Money
& Pencegahan Pendanan Terorisme (PPT) Laundering (APU) and Prevention of Terrorism
Funding (PPT)
6. Anggaran Dasar PT Bank Muamalat Indonesia, 6. Articles of Association of PT Bank Muamalat
Tbk beserta perubahannya Indonesia, Tbk with its changes.
7. Board Manual PT Bank Muamalat Indonesia, Tbk. 7. Board Manual of PT Bank Muamalat Indonesia,
Tbk.
8. Kebijakan dan Prosedur Kepatuhan Bank 8. Bank Muamalat’s Policies and Compliance
Muamalat Procedures
9. Pedoman Pelaksanaan Penerapan Anti 9. The guidance of implementing the application of
Pencucian & Pencegahan Pendanaan Teroris Anti Money Laundering and Prevention of Terrorism
Bank Muamalat Funding in Bank Muamalat

Annual Report
129
Secara konsisten, Perseroan berupaya untuk menjadi The Company consistently makes the effort to be the
yang terbaik di dalam industri best of Indonesia’s sharia banking
perbankan syariah Indonesia dengan industry, prioritizing the principles
INSTRUMEN PENGUKURAN
mengedepankan prinsip-prinsip tata of corporate governance in Islamic
PELAKSANAAN GCG
kelola perusahaan secara islami way and in accordance with the
DI BANK MUAMALAT
dan sesuai dengan praktik-praktik best banking practice applicable in
MENGGUNAKAN
perbankan terbaik yang berlaku di Indonesia and abroad.
SELF ASSESMENT GCG
Indonesia maupun mancanegara.
YANG TERUKUR
Such values are merged and have
Nilai-nilai tersebut dilebur dan menjadi become the foundation of GCG
The Measurement Instrument of
dasar dalam penerapan GCG yang implementation, which is reflected in
GCG Implementation in Bank
tercermin dalam aspek-aspek sebagai the aspects below:
Muamalat Uses Measurable GCG
berikut :
Self Assessment
1. Keterbukaan 1. Transparency
Keterbukaan dalam mengemukakan informasi The openness in delivering material and relevant
yang material dan relevan serta keterbukaan dalam information, and openness in the decision making
proses pengambilan keputusan. process.
2. Akuntabilitas 2. Accountability
Kejelasan fungsi dan pelaksanaan The clarity of the functions and the implementation
pertanggungjawaban organ bank (Dewan of bank structure responsibilities (Board of
Komisaris dan Direksi) sehingga pengelolaan Commissioners and Board of Directors)
perusahaan dapat berjalan efektif.
3. Tanggung Jawab 3. Responsibility

Kesesuaian pengelolaan bank dengan peraturan The compatibility between Bank management and
perundang-undangan yang berlaku dan prinsip- prevailing regulations and healthy bank management
prinsip pengelolaan bank yang sehat. principles.
4. Profesional 4. Professionalism
Memiliki kompetensi, mampu bertindak obyektif, Having competence, being able to act objectively,
bebas dari pengaruh atau tekanan pihak manapun free from external influence or pressure (being
(independen) serta memiliki komitmen yang tinggi independent), and having great commitment to
untuk mengembangkan Bank Muamalat. improve Bank Muamalat.
5. Keadilan 5. Fairness
Keadilan dan kesetaraan dalam memenuhi hak-hak Fairness and equality in fulfilling the rights of
stakeholders berdasarkan perjanjian dan peraturan stakeholders, based on the agreement and prevailing
perundang-undangan yang berlaku. regulations.
6. Kepedulian Sosial 6. Social Responsibility

Rasa peduli kepada masyarakat yang Caring to less fortunate people, as the realization of
kurang beruntung, dan sebagai wujud dari social responsibility of the Company to the community.
pertangungjawaban sosial Perseroan kepada
masyarakat.

Annual Report
2. STRUKTUR TATA KELOLA 2. THE CORPORATE GOVERNANCE

PERUSAHAAN STRUCTURE
Struktur organisasi tata kelola Bank Muamalat terdiri The organizational structure of the governance of Bank
dari Rapat Umum Pemegang Saham (RUPS), Dewan Muamalat consists of General Meeting of Shareholders,
Komisaris, Dewan Pengawas Syariah, Direksi dan Board of Commissioners, Sharia Supervisory Board,
komite-komite dibawah Dewan Komisaris dan Direksi. Board of Directors and committees under the Board
Seluruh elemen tersebut bekerja sesuai dengan of Commissioners and Directors. All those elements
lingkup tugas, tanggung jawab, dan fungsinya work in accordance with each of their job descriptions,
masing-masing sesuai dengan ketentuan yang responsibilities, and functions based on the prevailing
berlaku. Adapun dasar pelaksanaan tugas, tanggung regulations. The base of such job descriptions,
jawab, dan fungsi tersebut dilaksanakan atas dasar responsibilities, and functions is the principle of
prinsip independensi masing-masing organ, itikad independency from each structure, good will, and
baik, dan profesionalisme bagi kepentingan Bank professionalism for the benefit of Bank Muamalat.
Muamalat.
2.1. Rapat Umum Pemegang Saham (RUPS) 2.1. General Meeting of Shareholders
Rapat Umum Pemegang Saham memegang General Meeting of Shareholders holds the highest
kekuasaan tertinggi dalam tubuh perusahaan dan power in the body of the Company and it has an
memiliki wewenang yang tidak dapat diserahkan authority which cannot be delegated to Directors,
kepada Direksi, Dewan Komisaris, atau Dewan Board of Commissioners, or Sharia Supervisory Board.
Pengawas Syariah. RUPS juga berfungsi sebagai General Meeting of Shareholders also functions as the
instrumen bagi pemegang saham untuk mengambil instrument for shareholders to make important decisions
keputusan penting yang berhubungan dengan related to the management of the Company.
kepentingan perusahaan.
Rapat Umum Pemegang Saham

General Meeting of Shareholders
Dewan Pengawas Syariah Dewan Komisaris

Sharia Supervisory Board Board of Commissioners
Komite Audit
Direksi Audit Committee
Board of Directors
Komite Pengendalian Teknologi dan Informasi Komite Pemantau
Information Technology Steering Committee Risiko
Risk Monitoring
Komite ALCO Committee
ALCO Committee
Komite Pembiayaan Komite Nominasi &

Financing Committee Remunerasi
Nomination &
Komite Manajemen Risiko
Remuneration
Risk Management Committee
Committee

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131
Wewenang RUPS meliputi: The authorities of General Meeting of Shareholders

consist of:
1. Mengangkat dan memberhentikan anggota 1. Appointing and discharging the member(s) of Board
Dewan Komisaris, Dewan Pengawas Syariah, of Commissioners, Sharia Supervisory Board and
dan Direksi. Board of Directors.
2. Menyetujui perubahan Anggaran Dasar 2. Approving the change of Articles of Associations of
Perseroan. the Company.
3. Menyetujui Laporan Tahunan Perseroan. 3. Approving the Company’s annual report
4. Menunjuk auditor eksternal independen. 4. Assigning independent external auditor
5. Menentukan jumlah dan jenis remunerasi serta 5. Determining the amount and types of remuneration
fasilitas lainnya untuk anggota Dewan Komisaris, and other facilities for the members of Board of
Dewan Pengawas Syariah, dan Direksi. Commissioners, Sharia Supervisory Board and
Board of Directors.
Selama tahun 2010, sebagaimana amanah yang During the year 2010, based on the mandate in the
tercantum dalam Anggaran Dasar Bank Muamalat, Articles of Association of Bank Muamalat, Board of
Dewan Komisaris bersama Direksi telah melaksanakan Commissioners and Board of Directors had held 1
Rapat Umum Pemegang Saham Tahunan (RUPS (one) annual general meeting of shareholders and 1
Tahunan) sebanyak satu kali dan Rapat Umum (one) Extraordinary general meeting of shareholders and
Pemegang Saham Luar Biasa (RUPS Luar Biasa) implemented the Follow Up of the Decision from Extra
sebanyak 1 (satu) kali, serta melaksanakan Tindak Ordinary General Meeting of Shareholders dated 28
Lanjut Keputusan RUPS Luar Biasa tanggal 28 Juni June 2010, with details as follows:
2010, dengan rincian sebagai berikut:
2.1.1. Rapat Umum Pemegang Saham Tahunan 2.1.1. Annual General Meeting of Shareholders
Sesuai dengan Berita Acara RUPS Tahunan Nomor According to the official report of the General Meeting
268, yang dibuat oleh Notaris Arry Supratno, S.H. di of Shareholders Number 268, drafted by Notary Arry
Jakarta disebutkan bahwa berdasarkan ketentuan Supratno, SH in Jakarta, it is mentioned that, based
dalam Anggaran Dasar Bank Muamalat, telah on the stipulation in the Bank Muamalat’s Articles
dilakukan antara lain : of Association, the following actions have been
implemented:
a. Melakukan pemberitahuan terlebih dahulu a. Extending the notification beforehand on 20 May

pada tanggal 20 Mei 2010 dan panggilan pada 2010 through 2 (two) daily national newspapers,
tanggal 5 Juni 2010, melalui 2 Surat Kabar Harian Harian Umum Republika and Bisnis Indonesia.
Nasional yaitu Harian Umum Republika dan Next, invitation was extended on 5 June 2010
Bisnis Indonesia. through the same (two) daily newspapers, Harian
Umum Republika and Bisnis Indonesia.
b. Menyampaikan bukti publikasi pemberitahuan b. The evidence of the publication and invitation
dan pemanggilan RUPS Tahunan tersebut kepada of annual General Meeting of Shareholders was
DPbS Bank Indonesia, BEI dan Bapepam-LK extended through the letter from Bank Muamalat
melalui surat Direksi Bank Muamalat pada Directors to President Director of Indonesian
tanggal 20 Mei 2010 dan 7 Juni 2010. Stock Exchange in Jakarta; Bank Indonesia
Sharia Banking Directorate, Jakarta; the Head
of BAPEPAM LK (Capital Market and Financial
Institutions Supervisory Board), on 20 May 2010,
and 7 June 2010 respectively,

Annual Report
c. RUPS Tahunan dipimpin oleh Komisaris Utama, c. Annual General Meeting of Shareholders was
dihadiri oleh 87,09% dari seluruh pemegang chaired by the President Commissioner and was
saham yang telah dikeluarkan oleh Perseroan atended by 87.09% of total owners of shares issued
dan dinyatakan telah memenuhi korum untuk by the Company. Such attendance qualified for the
dapat mengambil keputusan-keputusan yang quorum and it can deliberate valid decisions.
sah.
d. Hasil Keputusan RUPS Tahunan tanggal 28 Juni d. The result of annual General Meeting of Shareholders
2010, telah meliputi seluruh acara rapat yang dated 28 June 2010 covered all the meeting’s
telah diagendakan sebagaimana tercantum agendas which had been enclosed in the meeting
dalam pemanggilan rapat. Setelah selesai invitation. Upon the delivery of the agendas in the
agenda-agenda rapat tersebut disampaikan dan meetings, and after the shareholders observed
mendengarkan serta memperhatikan berbagai various opinions from participants of the meeting,
macam pendapat dari peserta rapat, maka then the meeting accepted and approved all the
akhirnya rapat dengan suara bulat menerima agendas, as follows:
dan menyetujui seluruh agenda rapat, sebagai
berikut :
Agenda I : Menerima dan mengesahkan First Agenda : Accepting and validating the Directors’
Laporan Direksi tentang jalannya Perseroan dan report about the Company’s business and the results
hasil-hasil yang telah dicapai dalam tahun 2009 achieved in the year 2009
Agenda II : Menerima dan mengesahkan Second Agenda : Accepting and validating the balance
Neraca dan Perhitungan Laba/Rugi Tahun Buku sheet and profit-loss calculation for the fiscal year 2009,
2009 yang menunjukan Laba Bersih Perseroan which showed the Company’s net profit after tax before
setelah pajak sebelum zakat sebesar Rp 50.192,3 zakat in the amount of IDR 50,192.3 miilion, or IDR
juta atau sebesar Rp 48.898,5 juta setelah 48,898.5 million after tax and zakat
dikurangi pajak dan zakat
Agenda III : Menyetujui dan menetapkan Third Agenda : Approving and determining the
penggunaan Laba Bersih Perseroan Tahun Buku utilization of the Company’s net profit for the fiscal year
2009 setelah dikurangi pajak dan zakat, dengan 2009 after tax and zakat, with the details as stipulated
rincian sebagaimana yang ditetapkan RUPS by the annual GMS
Tahunan
Agenda IV : Menerima Laporan Recana Kerja Fourth Agenda : Accepting the report of RKAT
Anggaran Tahunan (RKAT) Tahun 2010 yang telah (Rencana Kerja Anggaran Tahunan /Annual Articles of
mendapat persetujuan Dewan Komisaris Association workplan) for the year 2010, which has been
approved by Board of Commissioners
Agenda V : Menyetujui pemberian Fifth Agenda : Approving the authority given to Board
kewenangan kepada Dewan Komisaris untuk of Commissioners for appointing Public Accountant
menunjuk Akuntan Publik Tahun Buku 2010 dan for fiscal year 2010 and stipulating the neccessary
menetapkan persyaratan-persyaratan yang requirements
diperlukan

Annual Report
133
Agenda VI : Menyetujui dan mengangkat Sdr. Sixth Agenda : Approving to appointment of Mr.
Hendiarto sebagai Direktur Perseroan (Finance & Hendiarto as the Company’s Director of Finance and
Operations Director), untuk melengkapi susunan Operations, to complete the structure of the Company’s
Direksi Perseroan, yang berlaku efektif setelah Directors. The appointment will be effective subject to
mendapat persetujuan Bank Indonesia (BI). Bank Indonesia approval.
2.1.2. Rapat Umum Pemegang Saham Luar Biasa. 2.1.2. Extraordinary General Meeting of Shareholders
Sesuai dengan Berita Acara RUPS Luar Biasa Nomor According to the official report of the Extraordinary
278, yang dibuat oleh Notaris Arry Supratno, SH di General Meeting of Shareholders Number 278, drafted
Jakarta disebutkan bahwa berdasarkan ketentuan by Notary Arry Supratno, SH in Jakarta, it is mentioned
dalam Anggaran Dasar Bank Muamalat, telah that, based on the stipulation in the Bank Muamalat
dilakukan hal-hal antara lain : Articles of Association, the following actions have been
implemented:
a. Melakukan pemberitahuan terlebih dahulu pada a. Extending the notification beforehand on 27 May
tanggal 27 Mei 2010 dan pemanggilan pada 2010 and the call for the meeting on 8 June 2010
tanggal 8 Juni 2010, melalui 2 surat kabar harian through 2 (two) daily newspapers, Harian Umum
nasional, yaitu Harian Umum Republika dan Republika and Bisnis Indonesia.
Bisnis Indonesia.
b. Menyampaikan bukti publikasi pemberitahuan b. Delivering evidence of publication and call for the
dan pemanggilan RUPSLB tersebut kepada Extraordinary General Meeting of Shareholders to
BEI, BI, BAPEPAM melalui surat Direksi Bank Indonesia Stock Exchange, Bank Indonesia and
Muamalat pada tanggal 27 Mei 2010 dan 8 Juni Capital Market and Financial Institutions Supervisory
2010. Board on 27 May 2010 and 8 June 2010.
c. RUPS Luar Biasa ini dipimpin oleh Komisaris c. The Extraordinary General Meeting of Shareholders
Utama, dihadiri oleh 89,43% dari seluruh saham was chaired by President Commissioner and was
yang telah dikeluarkan oleh Perseroan dan atended by 89,43% from total owners of shares
dinyatakan telah memenuhi korum untuk dapat issued released by the Company. Such attendance
mengambil keputusan-keputusan yang sah. qualified for the quorum and it can deliberate valid
decisions
d. Hasil Keputusan RUPS Luar Biasa tanggal 28 d. The result of Extraordinary General Meeting of
Juni 2010 ini, telah meliputi seluruh acara rapat Shareholders dated 28 June 2010 covered all
yang telah diagendakan sebagaimana tercantum meeting agendas which had been enclosed in the
dalam Pemanggilan Rapat. Dari seluruh agenda meeting invitation. Upon the delivery of the agendas
yang disampaikan serta memperhatikan berbagai in the meetings, and after the shareholders
macam pendapat dari Peserta Rapat, maka observed various opinions from participants of the
akhirnya Rapat dengan suara bulat memutuskan meeting, then the meeting accepted and approved
dan menetapkan seluruh agenda rapat, sebagai all the agendas, as follows:
berikut :

Annual Report
Agenda I : Mengesahkan dan berlaku First Agenda : Validating and making it more effective
efektif proses Peningkatan Modal Ditempatkan the Issued and Paid-up Capital Upgrading process with
dan Disetor dengan penjualan Saham Seri the sale of Series C Stock as many as 820,251,749
C sebanyak-banyaknya 820.251.749 lembar stocks with the value of IDR 1.161,00 each through
saham dengan niai nominal Rp 500,00 perlembar the Company’s Limited Public Offering IV by means of
yang ditawarkan dengan harga Rp 1.161,00 HMETD (Hak Memesan Efek Terlebih Dahulu /Rights
perlembar saham, melalui proses Penawaran Issue).
Umum Terbatas IV Perseroan dengan Cara Hak
Memesan Efek Terlebih Dahulu (HMETD).
Agenda II : Menyetujui perubahan pasal Second Agenda : Approving the change of the articles
4.2, 12.2, 12.7, 13.3, 15.2, 15.9, 16.6, 17, 4.2, 12.2, 12.7, 13.3, 15.2, 15.9, 16.6, 17, 18, and 20.1
18, dan 20.1 Anggaran Dasar Perseroan, of the Company’s Articles of Association , therefore giving
karenanya memberikan wewenang dan kuasa the Directors authority and power with substitution right
kepada Direksi dengan hak substitusi untuk to write such changes in a necessary notary act, including
menuangkan perubahan tersebut dalam suatu making every change and/or addition in relation to the
akta notaris yang diperlukan untuk itu, termasuk change of company’s Articles of Association to fulfill the
membuat setiap perubahan dan/atau tambahan stipulation of prevailing regulation, applying for approval
berkenaaan dengan perubahan Anggaran to the Republic of Indonesia Minister of Law and Human
Dasar Perseroan guna memenuhi ketentuan Rights, and registering the Articles of Association statute
peraturan perundang-undangan yang berlaku, to Company’s obligatory registration.
mengajukan persetujuan kepada Menteri Hukum
dan Hak Asasi Manusia Republik Indonesia
serta mendaftarkan perubahan anggaran dasar
tersebut dalam wajib daftar perusahaan.
Sebagai pertanggungjawaban Bank Muamalat As the responsibility of Bank Muamalat to shareholders,

kepada stakeholders, secara garis besar seluruh basically all decisions from Annual General Meeting
keputusan RUPS Tahunan dan RUPS Luar Biasa of Shareholders and Extraordinary General Meeting of
tanggal 28 Juni 2010 tersebut telah dimasukan Shareholders on 28 June 2010 have been posted at
pula dalam website Bank Muamalat dengan alamat Bank Muamalat’s website, with the address http://www.
www.muamalatbank.com pada tanggal 30 Juni 2010. muamalatbank.com on 30 June 2010.
2.1.3. Tindak Lanjut Keputusan RUPS Luar Biasa 2.1.3. Follow Up of the decision from Extra Ordinary
Sesuai dengan Akta Pernyataan Keputusan Rapat General Meeting of Shareholders
Nomor 190 tanggal 19 Agustus 2010 yang dibuat According to Act of Statement of Meeting Decision
oleh Notaris Arry Supratno, SH di Jakarta, dimana Number 190 dated 19 August 2010, made by Notary
disebutkan dalam agenda II pada Akta Berita Acara Arry Supratno, SH in Jakarta, in which it is mentioned in
RUPS Luar Biasa Nomor 278, yang dibuat oleh the second agenda at the Act of Official Report of Extra
Notaris Arry Supratno, S.H. di Jakarta yaitu antara lain Ordinary General Meeting of Shareholders Number 278,
bahwa RUPS Luar Biasa : made by Notary Arry Supratno, S.H. in Jakarta, that,
among other things, Extraordinary General Meeting of
Shareholders:

Annual Report
135
“Menyetujui perubahan pasal 4.2, 12.2, 12.7, 13.3, “Agreed with the change of articles 4.2, 12.2, 12.7,
15.2, 15.9, 16.6, 17, 18, dan 20.1 Anggaran Dasar 13.3, 15.2, 15.9, 16.6, 17, 18, and 20.1 from the
Perseroan, karenanya memberikan wewenang dan company’s Articles of Association; therefore gave the
kuasa kepada Direksi dengan hak substitusi untuk Directors authority and power with substitution right to
menuangkan perubahan tersebut dalam suatu akta write such changes in a necessary notary act, including
notaris yang diperlukan untuk itu, termasuk membuat making every change and/or addition in relation to the
setiap perubahan dan/atau tambahan berkenaaan change of company’s Articles of Association to fulfill the
dengan perubahan Anggaran Dasar Perseroan guna stipulation of prevailing regulation, applying for approval
memenuhi ketentuan peraturan perundang-undangan to the Republic of Indonesia Minister of Law and Human
yang berlaku, mengajukan persetujuan kepada Rights, and registering the Articles of Association statute
Menteri Hukum dan Hak Asasi Manusia Republik to company’s obligatory registration”.
Indonesia serta mendaftarkan perubahan anggaran
dasar tersebut dalam wajib daftar perusahaan”.
Menindaklanjuti keputusan rapat di atas maka Direksi Doing the follow up of such meeting decision, the
Perseroan selaku kuasa RUPS Luar Biasa tanggal Company Directors, as the authority of Extraordinary
28 Juni 2010, menegaskan kembali keputusan yang General Meeting of Shareholders on 28 June 2010, re-
dituangkan secara Notaril tersebut, sebagai berikut : states the decisions which have been drafted by Notary,
t Memutuskan untuk membuat perubahan are as follows:
anggaran dasar Pasal 4 ayat (2) mengenai t Deciding to change Articles of Association, article 4
Modal Perseroan, sehingga berbunyi antara lain section two (2) about Company Capital, therefore it
sebagai berikut : now reads:
Pasal 4 ayat (2) : Modal ditempatkan dan disetor Article 4 section two (2): Placed and Paid
oleh pemegang saham adalah sebesar 40,14% Capital by the shareholder is 40,14% or as big as
atau sejumlah 1.400.004.552 lembar saham 1.400.004.552 shares, consist of 106.126.382
yang terdiri dari 106.126.382 lembar saham Seri Series A Shares, 59.203.453 Series B Shares, and
A, 59.203.453 saham Seri B, dan 1.234.674.717 1.234.674.717 Series C Shares. Total nominal value
lembar saham Seri C dengan nilai nominal is IDR 782.667.193.500,00
seluruhnya sebesar Rp 782.667.193.500,00
t Menyetujui untuk menyatakan kembali susunan t Agreeing to re-state the list of company shareholders
pemegang saham Perseroan yang mengambil who took shares from the capital which is placed
bagian saham dari modal yang ditempatkan oleh by the company’s shareholders, with total of
pemegang saham Perseroan, yaitu sejumlah 1.400.004.552 shares. The details are below :
1.400.004.552 lembar saham, dengan rincian
sebagai berikut :
a. Saham Seri A : a. Series A Shares :

i. Kopkapindo i. Kopkapindo
ii. Badan Pengelola Dana ONHI ii. ONHI (Hajj Fare) Fund Management Body
iii. Masyarakat iii. Public
sehingga seluruhnya berjumlah 106.126.382 therefore the total amount is 106.126.382 shares or
lembar saham atau senilai Rp 106.126.382.000,00 is equal to IDR 106.126.382.000,00

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b. Saham Seri B : b. Series B Shares :

i. Islamic Development Bank (IDB) i. Islamic Development Bank (IDB)
ii. Kopkapindo ii. Kopkapindo
iii. Masyarakat iii. Public
sehingga seluruhnya berjumlah 59.203.453 therefore the total amount is 59.203.453 shares or
lembar saham atau senilai Rp 59.203.453.000,00 is equal to IDR 59.203.453.000,00
c. Saham Seri C : c. Series C Shares :

i. IDB i. IDB
ii. Boubyan Bank ii. Boubyan Bank
iii. Atwill Holdings Ltd. iii. Atwill Holdings Ltd
iv. Haji Abdul Rohim iv. Abdul Rohim
v. Rizal Ismael v. Rizal Ismael
vi. BMF Holdings Ltd. vi. BMF Holdings Ltd.
vii. IDF Investment Foundation vii. IDF Investment Foundation
viii. Masyarakat viii. Public
sehingga seluruhnya berjumlah 1.234.674.717 therefore the total amount is 1.234.674.717 shares
lembar saham atau senilai Rp 617.337.358.500,00 or is equal to IDR 617.337.358.500,00
Dengan demikian total seluruh saham Seri A, Seri Total amount of all shares (Series A, B, and C) which
B, dan Seri C yang telah dikeluarkan oleh Perseroan have been issued by the Company is 1.400.004.552
menjadi sebanyak 1.400.004.552 lembar saham shares or is equal to IDR 782.667.193.500,00
atau sebesar Rp 782.667.193.500,00
Selanjutnya sesuai dengan peraturan perundang- Next, in relation to the prevailing regulation, the report
undangan yang berlaku, laporan atas perubahan on the change of the Company’s Articles of Association,
anggaran dasar Perseroan tersebut sesuai dengan which is in line with the copy of Notarial Act by Arry
salinan Akta Notaris Arry Supratno, S.H. di Jakarta Supratno, S.H. in Jakarta, Number 180 dated 19
Nomor 180 tanggal 19 Agustus 2010 dan Nomor 182 August 2010 and Number 182 dated 23 November
tanggal 23 November 2010, telah disampaikan oleh 2010, has been given by the notary as the Company’s
Notaris sebagai kuasa dari Perseroan kepada instansi representative to the authorized institution; which is
yang berwenang yaitu adalah Kementerian Hukum the Ministry of Law and Human Rights of Republic of
dan Hak Asasi Manusia (HAM) Republik Indonesia Indonesia.
(RI).
Berdasarkan surat dari Menteri Hukum dan HAM–RI Based on the letter from the Ministry of Law and
Nomor AHU-AH.01.10.22658 tanggal 1 September Human Rights of Republic of Indonesia Number AHU-
2010 dan Nomor AHU-AH.01.10-30974 tanggal 2 AH.01.10.22658 dated 1 September 2010 and No.AHU-
Desember 2010 perihal Penerimaan Pemberitahuan AH.01.10-30974 dated 2 December 2010 concerning
Perubahan Anggaran Dasar PT Bank Muamalat the reception of notification of the change of Article of
Indonesia,Tbk, disebutkan bahwa perubahan pada Association of PT Bank Mumalat Indonesia,Tbk, it is
Pasal 4 ayat (2) dan Pasal 12, 13, 15, 16, 17, 18, dan mentioned that the change in Article 4 section two (2)
20 dalam Anggaran Dasar dimaksud telah diterima and Articles 12, 13, 15, 16, 17, 18, and 20 in the Articles
dan dicatat di dalam database Sistem Administrasi of Association was received and noted in the database
Hukum, Kementerian Hukum dan HAM-RI. of Administration system of Law at the Ministry of Law
and Human Rights of Republic of Indonesia.

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137
2.2. Dewan Komisaris 2.2. Board of Commissioners

Dalam melaksanakan tugas dan tanggung jawab, In doing its duties and responsibilities, Board of
Dewan Komisaris bertindak secara independen, Commissioners acts independently, doing its tasks
melaksanakan tugas secara obyektif, dan bebas dari objectively and free from pressures and any other
tekanan dan kepentingan pihak manapun termasuk parties’ interests, including the relationship among
dalam hubungan sesama anggota Dewan Komisaris fellow members of Board of Commissioners and the
dan hubungan dengan Direksi. relationship with Directors.
2.2.1. Susunan Dewan Komisaris 2.2.1. The Formation of Board of Commissioners

Secara definitif, Bank Indonesia telah menyetujui The Formation of Board of Commissioners below is
pengangkatan Dewan Komisaris dan Komisari Utama based on the Letter of Decision from the Governor of
Bank Muamalat melaui surat keputusan Gubernur Bank Indonesia Number 11/3/GBI/DPbS dated 22 April
Bank Indonesia Nomor 11/3/GBI/DPbS tanggal 22 2009 and Number 11/5/GBI/DPbS dated 15 June 2009
April 2009 dan Nomor 11/5/GBI/DPbS tanggal 15 and also Number 11/10/GBI/DPbS dated 18 November
Juni 2009 serta Nomor 11/10/GBI/DPbS tanggal 18 2009 concerning the Approval of Assigning the Members
November 2009 mengenai Persetujuan Pengangkatan of Board of Commissioners and Chief Commissioner.
Anggota Dewan Komisaris dan Komisaris Utama.
Adapun nama-nama anggota Dewan Komisaris serta The names of Board of Commissioners’ members and
penetapan statusnya sebagai Komisaris Independen the status whether they are Independent Commissioner
atau bukan Komisaris Independen, sebagaimana or not Independent Commissioner is based on the
kriteria yang ditetapkan dalam peraturan dan critertia stipulated in the prevailing regulations and
ketentuan yang berlaku adalah sebagai berikut : provision, such as:
No. Nama/Name Jabatan/Position

Komisaris Utama/Komisaris Independen
1 Widigdo Sukarman
President Commissioner/Independent Commissioner
2 Irfan Ahmed Akhtar Komisaris/Commissioner
3 Abdulla Saud Abdul Aziz Al-Mulaifi Komisaris/Commissioner
4 Sultan Mohammed Hasan Abdulrauf Komisaris/Commissioner
5 Emirsyah Satar Komisaris Independen/Independent Commissioner
6 Andre Mirza Hartawan Komisaris Independen/Independent Commissioner
Profil lengkap Dewan Komisaris dapat dilihat pada The complete profiles of Board of Commissioners can
bagian Profil Komisaris, Bab 2 hal 56 be seen in the Chapter 2, page 56, Commissoners’
Profiles.
Sebagaimana telah diatur dalam ketentuan GCG Based on the GCG regulations about the implementation
bahwa untuk pelaksanaan GCG, Bank perlu of GCG, the Bank must execute checks and balances,
melakukan check and balance, menghindari avoid the conflict of interests in doing its duties, and
benturan kepentingan dalam pelaksanaan tugas increase the protection for stakeholders, especially the
serta meningkatkan perlindungan bagi kepentingan fund owners and minority shareholders.
stakeholders khususnya nasabah pemilik dana dan
pemegang saham minoritas.

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Untuk mendukung hal tersebut, maka secara internal To support this, an Internal Commissioners and
diperlukan keberadaan Komisaris Independen dan Independent party are needed to help Board of
Pihak Independen lainnya yang membantu tugas Commissioners in doing their task.
Dewan Komisaris.
Berdasarkan susunan dengan status masing-masing From the list above about the members of Board of
anggota Dewan Komisaris di atas, maka jumlah Commissioners and each of the member’s status, the
anggota Dewan Komisaris Independen dan bukan total number of members of Independent Commissioner
Komisaris Independen masing-masing sebanyak 3 or non-Independent Commissioner is respectively 3
(tiga) orang atau sebanyak 50%. Hal ini menunjukan (three) persons, or each 50%. This indicates that the
jumlah dan komposisi dari Komisaris Independen dan total and composition of Independent Commissioner
Non-Independen telah sesuai dengan peraturan Bank or non-Independent Commissioner is in accordance to
Indonesia mengenai Good Corporate Governance Bank Indonesia regulation concerning Good Corporate
(GCG) dan peraturan Bank Indonesia mengenai Governance (GCG) and Bank Indonesia regulation
Tenaga Kerja Asing. concerning Foreign Workers.
2.2.2. Tugas dan Tanggung Jawab Dewan Komisaris 2.2.2. Duties and Responsibilities of Commisary
Sesuai dengan Anggaran Dasar Perseroan, Dewan Board
Komisaris atau setiap anggota Dewan Komisaris According to the company’s Articles of association, the
bertugas : Board of Commissioners or each member of Board of
Commissioners has duties as their the following:
a. Melakukan pengawasan dan pengurusan a. Monitoring the management of the company by the
Perseroan oleh Direksi Directors
b. Memberi nasihat dan pengarahan strategis b. Giving advice and strategic instructions for the
Perseroan company
c. Memastikan bahwa sistem dan kebijakan c. Ensuring the system and policies of internal
pengaturan internal serta manajemen risiko arrangement and risk management are well
berjalan dengan baik. implemented
d. Memastikan dan mengembangkan praktek d. Ensuring and developing the practices of Good
Good Corporate Governance telah diterapkan Corporate Governance so that it can be applied by
oleh Perseroan pada semua tingkat atau jenjang the company in all levels of the bank’s activities.
dalam setiap kegiatan bank.
e. Mengawasi efektifitas praktek penerapan Good e. Monitoring the effectivity of Good Corporate
Corporate Governance oleh Perseroan. Apabila Governance practices implementation by the
diperlukan untuk mengubah atau menyesuaikan company, and if needed, changing and adjusting
agar memperbaiki penerapan Good Corporate the implementation of Good Corporate Governance
Governance. to improve it.
f. Wajib melaporkan kepada Bank Indonesia paling f. Reporting to Bank Indonesia no later than 7 (seven)
lambat 7 (tujuh) hari kerja sejak ditemukannya : working days since the Board finds:
t pelanggaran peraturan perundang- t A violation of financial and banking regulations
undangan dibidang keuangan dan
perbankan
t suatu keadaan atau keadaan yang diprediksi t A situation which is predicted to have the
dapat membahayakan kelangsungan usaha potential to jeopardize the viability of the Bank’s
bank business.

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139
2.2.3. Wewenang Dewan Komisaris 2.2.3. Authorities of Board of Commissioners

Dalam melaksanakan tugasnya, Dewan Komisaris In doing its duties, Board of Commissioners is authorized
berwenang untuk melakukan hal sebagai berikut : to do the following:
1. Dalam rangka melaksanakan pengawasan 1. Monitoring and giving advice to Directors as stated
dan memberikan nasihat kepada Direksi in Article 15.1, Articles of Association, Board of
sebagaimana dimaksud dalam Pasal 15.1. Commissioners or every member of Board of
Anggaran Dasar, Dewan Komisaris atau setiap Commissioners has the right to enter the building,
anggota Dewan Komisaris setiap waktu dalam compound or other places utilized or owned by
jam kerja kantor berhak memasuki bangunan, the company; right to check all accounting, letters,
halaman dan tempat lain yang dipergunakan atau and other evidences; and check off the condition of
yang dikuasai oleh Perseroan, berhak memeriksa cash and others; and the right to know all actions
semua pembukuan, surat dan alat bukti lainnya, done by the Directors and every member of Board
dan memeriksa dan mencocokkan keadaan uang of Directors and to ensure the compliance of the
kas dan lain-lain, serta berhak untuk mengetahui Company’s directors in managing the company
segala tindakan yang telah dijalankan oleh and representing the Company to other parties in
Direksi dan setiap anggota Direksi untuk accordance to the Article of Association and laws
memastikan kepatuhan Direksi Perseroan dalam and regulations.
melaksanakan tugas pengurusan Perseroan.
Selain itu berwenang mewakili Perseroan
terhadap pihak lain sesuai dengan Anggaran
Dasar dan ketentuan peraturan perundang-
undangan.
2. Dewan Komisaris dapat melakukan tindakan 2. Board of Commissioners can take over the
pengurusan Perseroan dan tindakan mewakili company’s management and become the
Perseroan, apabila : representative of the Company, if the followings
things occur:
a. Dalam keadaan tertentu untuk jangka waktu a. In a circumstance within a specific time period,
tertentu, yaitu dalam hal seluruh anggota in which all members of Directors are temporarily
Direksi diberhentikan untuk sementara maka decomissioned, then the Board of Commissioners
untuk sementara Dewan Komisaris diwajibkan must take over the management of the Company
untuk menjalankan tindakan pengurusan and represent The Company to other parties.
Perseroan dan mewakili Perseroan terhadap
pihak lain.
b. Dalam hal demikian berdasarkan keputusan b. Therefore, based on the decision of the Board of
rapat Dewan Komisaris, Dewan Komisaris Commisioners meeting, Board of Commissioner
dapat memberikan kekuasaan sementara can grant temporary authority to take over the
untuk menjalankan tindakan pengurusan management of the Company and represent The
Perseroan dan mewakili Perseroan terhadap Company to other parties, to one person or more
pihak lain kepada seorang atau lebih di from them, under the responsibility of Board of
antara mereka atas tanggungan Dewan Commissioners.
Komisaris.

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c. Dewan Komisaris atau anggota Dewan c. Board of Commissioners or every member of Board
Komisaris yang dalam keadaan tertentu untuk of Commissioners, who in a certain situation for a
jangka waktu tertentu melakukan tindakan certain length of time manages the Company and
pengurusan Perseroan dan tindakan mewakili represents The Company to other parties, heeds
Perseroan terhadap pihak lain berlaku semua all stipulations concerning rights, authorities, and
kententuan mengenai hak, wewenang dan duties of Directors to the Company and other
kewajiban Direksi terhadap Perseroan dan parties by observing the stipulation concerning
pihak lain dengan memperhatikan ketentuan the remainder year of service from the member of
mengenai sisa masa jabatan anggota Direksi Board of Directors.
yang masih berlaku.
3. Dalam melaksanakan tugas pengawasan, Dewan 3. In doing the monitoring, Board of Commissioners
Komisaris atau rapat Dewan Komisaris dapat or Board of Commissioners Meeting can form
membentuk komite yang anggotanya seorang committees, whose member is one person or more,
atau lebih anggota Dewan Komisaris dengan from the members of Board of Commissioners,
memperhatikan ketentuan Peraturan Bank by observing the stipulation and regulations from
Indonesia dan peraturan perundang-undangan bank Indonesia and law and regulations in capital
di bidang pasar modal, yaitu : markets. They are:
t Komite Audit t Audit Committee
t Komite Pemantau Risiko t Risk Monitoring Committee
t Komite Remunerasi dan Nominasi t Remuneration and Nomination Committee
Komite tersebut bertanggung jawab kepada This committees report to the Board of
Dewan Komisaris atas pelaksanaan tugas yang Commissioners regarding the duty given by Board
diberikan oleh Dewan Komisaris atau rapat Dewan of Commissioners or the meeting of Board of
Komisaris, dengan memperhatikan ketentuan Commissioners, by observing the regulation from
Peraturan Bank Indonesia dan peraturan Bank Indonesia and law and regulation in capital
perundang-undangan dibidang pasar modal. market.
4. Anggota Dewan Komisaris dapat memberi 4. Member of Board of Commissioners can give
kuasa tertulis kepada Anggota Dewan Komisaris written authorization to other member of Board
lainnya, Komisaris Independen, Komisaris Commissioners, Independent Commissioners,
Utusan dan/atau 1 (satu) orang anggota Assigned Commissioner and /or 1 (one) or more
Komite atau lebih untuk dan atas nama Dewan members of the committee on behalf of Board of
Komisaris melakukan perbuatan hukum tertentu Commissioners to do certain legal act in relation to
yang berhubungan dengan pengawasan dan the monitoring and giving advice to the Directors
pemberian nasihat kepada Direksi sehubungan about company management and/or representing
dengan pengurusan Perseroan dan/atau mewakili the company to other parties which are done by
Perseroan terhadap pihak lain yang dilakukan the Directors as mentioned in the letter of authority.
oleh Direksi sebagaimana diuraikan dalam surat
kuasa.

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141
2.2.4. Rapat Dewan Komisaris 2.2.4. Meeting of Board of Commissioners

Menurut ketentuan yang berlaku, Dewan Komisaris According to the prevailing regulation, the Board of
wajib melakukan rapat paling kurang 1 (satu) kali Commissioners is required to hold a meeting at least
dalam 2 (dua) bulan. Selama tahun 2010 jumlah rapat one (1) in 2 (two) months. During the year 2010, there
yang diselenggarakan oleh Dewan Komisaris adalah were 13 (thirteen) meetings. The details are below :
sebanyak 13 (tigabelas) kali, dengan rincian sebagai
berikut :
Jumlah Kehadiran/Total
Attendance
Rapat Bersama
No. Nama/Name Jabatan/Position Rapat Direksi/ Joint
Internal/ Meeting of
Internal the Board of
Meeting Directors
Komisaris Utama/
Komisaris Independen
1 Widigdo Sukarman 6 7
President Commissioner/Independent
Commissioner
2 Irfan Ahmed Akhtar Komisaris/Commissioner 4 5
3 Abdulla Saud Abdul Aziz Al- Mulaifi Komisaris/Commissioner 6 7
4 Sultan Mohammed Hasan Abdulrauf Komisaris/Commissioner 6 6
Komisaris Independen/Independent
5 Emirsyah Satar 6 7
Commissioner
Komisaris Independen/Independent
6 Andre Mirza Hartawan 6 7
Commissioner
Berdasarkan tabel di atas maka jumlah rapat yang Based on the chart above, total meetings that were held
telah diselenggarakan oleh Dewan Komisaris selama by the Board of Commissioners in 2010 exceeded the
tahun 2010 telah melampaui batas minimal yang minimal number stated by the regulation. This means
ditentukan dalam peraturan yang berlaku. Hal ini, that the Board of Commissioners has given maximum
menggambarkan bahwa Dewan Komisaris telah effort in carrying out its tasks and duties in monitoring
berupaya maksimal dalam melaksanakan salah and giving recommendation, advice, instructions, which
satu tugas dan kewajibannya dalam hal melakukan are given in those meetings and written in the minutes
pengawasan dan pemberian saran, nasihat dan of meetings.
petunjuk yang disampaikan melalui rapat-rapat
tersebut yang tertuang dalam risalah rapat.
2.2.5. Laporan Pengawasan dan Rekomendasi Dewan 2.2.5. Report of Monitoring and Recommendation from
Komisaris : Board of Commissioners
Secara umum pelaksanaan tugas dan tanggung Generally, the tasks and responsibilities of Commissioners
jawab Komisaris telah dijalankan dengan baik. Hal have been executed well. The report of Commissioners’
ini terbukti dari Laporan Pengawasan Komisaris monitoring to the business plan is usually given to Bank
mengenai rencana bisnis yang disampaikan kepada Indonesia every semester (once every 6-month) and the

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Bank Indonesia setiap semester (6 bulanan) serta meetings are held by Commissioners and Directors,
rapat yang dilaksanakan antara Komisaris dan as stated in the minutes of Board of Commissioners
Direksi, sebagaimana tercantum dalam risalah rapat meetings.
Dewan Komisaris.
Laporan Pengawasan oleh Dewan Komisaris terhadap The report of Commissioners’ monitoring to the
Rencana Bisnis Semester II/2010 untuk periode yang business plan for semester II/2010 for periode ending
berakhir pada 31 Desember 2010, telah disampaikan on 31 December 2010, has been given to Directorate of
kepada Direktorat Perbankan Syariah Bank Indonesia Indonesian Sharia Banking through Letter Number 002/
melalui surat Nomor 002/BMI/KOM/I/2011 tanggal 27 BMI/KOM/I/2011 dated 27 January 2011.
Januari 2011.
Beberapa saran dan rekomendasi Dewan Komisaris Several inputs and recommendations of the Board of
mengenai aspek kegiatan bank dan beberapa topik Commissioners pertaining to the Bank’s activities and
penting lainnya, antara lain sebagai berikut : other important topics, among others, are:
1. Saran Komisaris tentang finalisasi penyusunan 1. The advice from Commissioners for Board of
Rencana Bisnis Bank Muamalat tahun 2010 Directors of Bank Muamalat about the finalization of
kepada Direksi adalah peningkatan kemampuan Bank Muamalat’s business plan in the year 2010 is
mengenai Management Information System agar about improving Management Information System
lebih komprehensif dan akurat seperti untuk so that it can be more accurate and comprehensive
kompilasi data nasabah pada seluruh cabang di for compiling customer data among all branches all
Indonesia. over Indonesia.
2. Evaluasi mengenai Credit Policy. Komisaris telah 2. In the evaluation about Credit Policy, Commissioners
menyarankan agar Direksi melakukan evaluasi have advised Directors to evaluate the human
terhadap kapasitas sumber daya manusia resources capacity in the field of financing, evaluation
dibidang pembiayaan dan metode evaluasi risiko methods, risk financing, and also assessment to
pembiayaan serta assessment atas konsentrasi Financing sector concentration.
sektor pembiayaan.
3. Permintaan Komisaris atas perhatian dan 3. Commissioners requested Directors’ commitment
komitmen Direksi terhadap Laporan Keuangan and attention to 2009 Financial report, and Financial
tahun 2009, serta Financial Performance per Maret Performance per March 2010 so that they can be
2010 agar dapat disajikan secara komprehensif laid out more comprehensively at the analysis of
pada pembahasan mengenai Laporan Keuangan 2009’s Financial report, which was audited by
tahun 2009 yang telah di audit oleh KAP Oesman Oesman Bing Satrio & Partner (Deloitte).
Bing Satrio & Rekan (Deloitte).
4. Dewan Komisaris menganjurkan agar Direksi 4. Board of Commissioners suggests that Board
mempersiapkan dengan seksama rencana of Directors carefully prepares the Rights Issue
penambahan modal melalui mekanisme Right for 2010 and Extraordinary General meeting for
Issue dan penyelenggaraan Rapat Umum Shareholders.
Pemegang Saham Luar Biasa pada tahun 2010.
5. Terkait dengan Actions Plan setelah Right Issue, 5. In relation to Actions Plan after Rights Issue, the
Komisaris merekomendasikan Direksi untuk Commissioners recommend the Directors to do
melakukan Updating dan Capital Utiliization Plan updating and Capital Utilization Plan and also
serta menyiapkan Amandemen Anggaran Dasar prepare Amandment of the Company’s Articles of
Perusahaan. Association.

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143
6. Komisaris juga menyarankan agar Direksi 6. The Commissioners also recommend the Directors
selalu meningkatkan kompetensi pejabat dan to improve the the competence of the Bank’s official
melengkapi atau menambah pejabat pada and to add official in strategic positions, such as
posisi strategis, seperti Human Resources Human Resources Division, Internal Audit Division,
Division, Internal Audit Divison, dan Information and Information Technology Division.
Technology Division.
2.2.6. Remunerasi Dewan Komisaris 2.2.6. Remuneration of Board of Commissioners

Bank Muamalat menetapkan gaji/honorarium dan Bank Muamalat decides the salary and facilities for
tantiem bagi Dewan Komisaris berdasarkan RUPS yang Board of Commissioners based on the General Meeting
dicantumkan pada akta notaris nomor akta Nomor142 of Shareholders stipulated on the deed number 142
tanggal 23 April 2009. Paket yang dikeluarkan kepada dated 23 April 2009. Packages were given to 6 (Six)
6 (enam) anggota Dewan Komisaris adalah sebesar members of Board of Commissioners with the amount
Rp 4,79 miliar dengan rician sebagai berikut: of IDR 4,79 billion, with the following details:
Jenis Remunerasi dan Fasilitas lain Jumlah yang diterima dalam 1 (satu) Tahun/
(dalam Rupiah)/ The amount received in 1 (one) Year
Type of Remuneration and Other Facilities (in IDR) Orang/Persons Jumlah/Total
Remunerasi/Remuneration 6 Rp 4,79 miliar
Fasilitas lain/Other Facilities:
Dapat dimiliki/Can be held - -
Tidak dapat dimiliki/Cannot be held -- ---- ---
2.2.7. Pelatihan Dewan Komisaris 2.2.7. Trainings for Board of Commissioners

Pelatihan Dewan Komisaris Bank Muamalat bertujuan Trainings for Board of Commissioners aim at improving
untuk meningkatkan kompetensi dan menunjang competence and supporting the tasks of Board of
pelaksanaan tugas Dewan Komisaris. Selama tahun Commissioners. During the year 2010, the members
2010, anggota Dewan Komisaris yang telah mengikuti of Board of Commissioners attended various training
program pelatihan/workshop,/seminar, atau konferensi programs, workshops, seminars, or conferences, such
adalah : as:
Komisaris/ Jabatan/ Workshop /Training/ Penyelenggara/ Waktu/ Tempat/

Commissioner Position Seminar Organizer Period Location
Lokarya “Peran
Komisaris, Direksi 16-20 April
Andre Mirza Hartawan Commissioner LPPI LPPI
& DPS Dalam 2010
Pengurusan Bank
Lokarya “Peran
Komisaris, Direksi 16-20 April
Widigdo Sukarman Commissioner LPPI LPPI
& DPS Dalam 2010
Pengusrusan Bank

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2.2.8. Hubungan Keuangan atau Kekeluargaan serta 2.2.8. Financial relationship or family relation and double
Jabatan Rangkap Anggota Dewan Komisaris professions of members of Board of Commissioners
Untuk memenuhi ketentuan pelaksanaan prinsip GCG To heed the GCG principle, especially about the openness
khususnya tentang keterbukaan informasi Dewan of the information from Board of Commissioners,
Komisaris, maka berdasarkan data yang ada dapat therefore based on the data, it can be stated that all
dinyatakan bahwa seluruh anggota Dewan Komisaris members of Bank Muamalat’s Board of Commissioners
Bank Muamalat tidak memiliki hubungan keuangan don not have Financial relationship or family relation
dan kekeluargaan dengan sesama anggota Dewan with fellow members of Board of Commissioners,
Komisaris, pemegang saham pengendali dan/atau controlling sharesholders, and/or Directors. Besides
dengan Direksi. Selain itu seluruh anggota Dewan that, all members of Board of Commissioners do not
Komisaris tidak memiliki saham PT Bank Muamalat, own shares of PT Bank Muamalat, TBk of more than
Tbk yang mencapai 5% (lima persen) atau lebih. 5% (five percent).
Mengenai rangkap jabatan Widigdo Sukarman, Concerning double position in Bank Muamalat’s
Komisaris Utama Bank Muamalat sampai 31 Commissioners, on 31 December 2010, it was known
Desember 2010, selaku Komisaris Utama pada PT that Dr. Widigdo Sukarman, Chief Commissioner, had
Ciputra Develoment, Tbk. dan Komisaris pada PT resigned himself from PT Ciputra Develoment, Tbk.
Damai Indah Golf sedang dalam proses pengunduran Meanwhile, his position of Commissioner in PT Damai
diri. Indah Golf, a golf course management, is still held by
him and in the process of resignation.
Adapun jabatan rangkap masing-masing anggota The double positions of each member of Board of
Dewan Komisaris tercatat sebagai berikut : Commissioners are below:
Nama Jabatan Perusahaan Bidang Usaha

No.
Name Position Company Line of Business
1 Widigdo Sukarman Commissioner PT Ciputra Property, Tbk Properti / Real Eastate
Commissioner PT Damai Indah Golf Lapangan Golf
2 Emirsyah Satar President Director PT Garuda Indonesia Penerbangan/Flight
3 Andre Mirza Hartawan Financial Director PT Panca Amara Utama Keuangan/FInance
Assistant General
4 Abdulla Saud Abdul Aziz Al-Mulaifi Boubyan Bank Perbankan/Banking
Manager
Berdasarkan data di atas, maka dapat disimpulkan Based on the data, it can be concluded that there is no
bahwa tidak terdapat anggota Dewan Komisaris member of Board of Commissioners of Bank Muamalat
Bank Muamalat yang merangkap jabatan pada who has double position in other institutions which
institusi lainnya yang melebihi batas maksimum yang exceed maximum duration that is allowed by prevailing
diperkenankan oleh ketentuan dan peraturan yang regulations.
berlaku.

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145
2.3. Dewan Pengawas Syariah 2.3. Sharia Supervisory Board

Dewan Pengawas Syariah (DPS) merupakan badan Sharia Supervisory Board (DPS) is an independent
independen yang bertugas melakukan pengarahan body whose task is to give directing, consulting, advice
(directing); pemberian konsultasi (consulting), nasihat and recommendation, evaluating, and supervising
dan atau saran; melakukan evaluasi (evaluating) the practices of sharia banking, ensuring that those
dan pengawasan (supervising) kegiatan bank practices comply with the sharia principles as stipulated
untuk memastikan setiap kegiatan yang dilakukan by fatwa and Islamic sharia stipulated by National Sharia
mematuhi (compliance) prinsip syariah sebagaimana Board, in accordance with Bank Indonesia regulations.
yang telah ditentukan oleh fatwa dan syariah Islam
yang ditetapkan oleh Dewan Syariah Nasional, sesuai
dengan ketentuan Bank Indonesia.
DPS Bank Muamalat ditetapkan melalui keputusan DPS Bank Muamalat was established through the
RUPS tanggal 23 April 2009 dan Berita Acara RUPS Decision of General Meeting of Shareholders on 23
Tahunan Nomor 142 tanggal 23 April 2009. Adapun April 2009 and minutes of meeting from Annual General
Anggota Dewan Pengawas Syariah Bank Muamalat Meeting of Shareholders Number 142 dated 23 April
Indonesia adalah sebagai berikut: 2009. The members of DPS Bank Muamalat are below:
No. Nama/Name Jabatan/Position

1 K.H. Ma’ruf Amin Ketua/Chairman
2 Prof. Dr. H. Umar Shihab, M.A. Anggota/Member
3 Prof. Dr. H. Muardi Chatib, M.A. Anggota/Member
Jumlah anggota DPS tersebut telah memenuhi The number of DPS member has complied with Bank
ketentuan Peraturan Bank Indonesia Nomor 11/3/ Indonesia regulation Number 11/3/2009 dated 29
PBI/2009 tanggal 29 Januari 2009 yang menetapkan January 2009 which states that DPS member should
bahwa anggota DPS sekurang-sekurangnya be minimum 2 (two) members, and maximum 50% of
sebanyak 2 (dua) orang dan maksimal sebanyak Directors, or for Bank Muamalat, the maximum is 3
50% dari jumlah Direksi, atau bagi Bank Muamalat (three) people
sebanyak-banyaknya 3 (tiga) orang.
2.3.1. Tugas dan Tanggung Jawab Dewan Pengawas 2.3.1. Tasks and responsibilities of Sharia Supervisory
Syariah Board
Hubungan kerja DPS, Dewan Komisaris, dan The working relationship among DPS, Board of
Direksi merupakan hubungan check and balance Commissioners and Board of Directors is a check and
demi kemajuan dan kesehatan Bank. Selain itu balance relationship to ensure the Bank’s progress and
ketiga elemen tersebut akan menjamin operasional health. Besides that, the three elements will ensure the
Perseroan berjalan di dalam lingkup peraturan dan company’s operational is within prevailing laws and
perundang-undangan yang berlaku dan sesuai regulations and in accordance with sharia principles.
dengan prinsip syariah. Dewan Pengawas Syariah DPS must always monitor the bank practices and give
harus senantiasa mengawasi kegiatan usaha bank opinions about the purity of sharia principles in such
dan memberikan opini mengenai kemurnian prinsip practices.
syariah yang dianut.

Annual Report
Dewan Pengawas Syariah memiliki tugas dan Sharia Supervisory Board has tasks and responsibilities
tanggung jawab sebagai berikut : as follows:
1. Sebagai penasehat dan pemberi saran kepada 1. Becoming the advisor and counselor to Directors
Direksi dan pimpinan kantor cabang mengenai and Heads of Branch about matters related to
hal- hal yang terkait dengan aspek syariah. Sharia aspects.
2. Menilai dan memastikan pemenuhan prinsip 2. Evaluating and ensuring the Sharia principles
syariah atas pedoman operasional dan produk are applied on the operational guideline and the
yang telah dikeluarkan Bank. products from the Bank.
3. Sebagai mediator antara Bank Muamalat 3. Becoming the mediator between Bank Muamalat
dengan Dewan Syariah Nasional dalam and National Sharia Board in communicating the
mengkomunikasikan usul dan saran ideas and suggestions for products development
pengembangan produk dan jasa bank, yang and services from banks that need analysis and
memerlukan kajian serta fatwa dari Dewan fatwa from Sharia National Board.
Syariah Nasional.
4. Memonitor dan memberikan opini atas 4. Monitoring and giving opinion for developing new
pengembangan produk baru bank agar sesuai bank products so that they comply with the fatwa
dengan fatwa Dewan Syariah Nasional Majelis from National Sharia Board in MUI (Majelis Ulama
Ulama Indonesia. Indonesia /Indonesian Clergy Assembly)
5. Sebagai perwakilan Dewan Syariah Nasional 5. As the representative of Sharia National Board
yang ditempatkan di bank syariah, DPS wajib which is placed in a Sharia bank, DPS is required to
melaporkan hasil pengawasannya kepada give report about its monitoring to Sharia National
Dewan Syariah Nasional dan Bank Indonesia Board and Bank Indonesia once every 6 (six)
dalam waktu 6 (enam) bulan sekali. months.
6. Pemberian opini dari aspek syariah terhadap 6. Giving thorough opinion to Sharia aspects about
pelaksanaan operasional Bank Muamalat secara the operation of Bank Muamalat in the published
keseluruhan dalam laporan publikasi Bank. Bank report.
7. Melalui Sharia Compliance Unit, melakukan 7. Through Sharia Complaince Unit, DPS executes
evaluasi berkelanjutan atas pemenuhan prinsip continous evaluation to Sharia principle application
syariah dalam mekanisme penghimpunan dan in the mechanism of fund collecting and distribution,
penyaluran dana, serta pelayanan jasa bank. and also bank services.
8. Memberikan opini aspek syariah atas temuan 8. Giving thorough opinion to Sharia aspects about
atau penyimpangan yang dijumpai oleh Divisi the finding or violation found by Internal Audit
Audit Internal, untuk kemudian ditindaklanjuti oleh Division, then the opinion will be followed up by
Departemen Kepatuhan Syariah sebagai ex-ante. Sharia Compliance Department as an ex-ante.
9. Meminta fatwa kepada Dewan Syariah Nasional 9. Asking a fatwa to National Sharia Board in MUI
Majelis Ulama Indonesia terhadap produk baru (Majelis Ulama Indonesia/Indonesian Clergy
Bank yang belum ada memiliki fatwa. Assembly) for a new Bank product which has not
had any fatwa.
2.3.2. Remunerasi Dewan Pengawas Syariah 2.3.2. Remuneration of Sharia Supervisory Board
Kebijakan Remunerasi Perusahaan bagi DPS The policy of remuneration for Sharia National Board is
ditetapkan oleh Anggaran Dasar Bank Muamalat. stipulated in the Articles of Association of Bank Muamalat.
Berdasarkan RUPS Tahunan besarnya remunerasi Based on the Annual General Meeting of Shareholders,
seluruh anggota DPS, dalam tahun 2010 secara the amount of remuneration for all members of DPS in
kolektif sebesar Rp 570 juta 2020 was IDR 570 million collectivelly.

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147
2.3.3. Satuan Kerja Dewan Pengawas Syariah 2.3.3. Sharia Supervisory Board Work Unit
Dalam pelaksanaan tugas sehari-hari, DPS dibantu In doing daily tasks, DPS is helped by Sharia Compliance
oleh Departemen Kepatuhan Syariah atau Sharia Department (ShCdep), under Compliance Division, and
Compliance Department (ShCDep) yang berada acts as liasion officer between DPS and divisions /
dibawah Divisi Kepatuhan dan bertindak sebagai business units.
liason officer antara DPS dengan divisi/unit bisnis.
Unit ini beranggotakan 4 (empat) orang yang memiliki This unit has 4 (four) members with competence in
kompetensi di bidang syariah baik melalui pendidikan Sharia enhanced from trainings locally or abroad. As
di dalam negeri, maupun luar negeri. Sebagai Liason a Liasion Officer, ShCdep gives reports to DPS about
Officer DPS, ShCDep menyampaikan laporannya its monitoring and other Sharia aspects. In addition,
kepada DPS mengenai pelaksanaan tugasnya ShCDep is also in charge of disseminating DPS’s
melakukan pemantauan dan kegiatan aspek syariah opinion every semester or 6 (six) months.
lainnya. Selain itu, ShCDep juga bertugas untuk
menyebarluaskan hasil opini DPS setiap semester
atau 6 (enam) bulan sekali.
Dengan kehadiran ShCDep sebagai salah satu organ With the existence of ShCdep as one of Sharia monitoring
pengawasan syariah, diharapkan pengawasan aspek tool, it is expected that the Sharia supervision would be
syariah pada kegiatan operasional dan pemberian maximum for operational activities and opinion giving in
opini produk dan jasa aktivitas yang baru dapat new products and services. In doing its task, ShCdep
berjalan dengan maksimal. Dalam menjalankan is allowed to attend Financing Committee meetings to
tugasnya, ShCDep diperkenankan mengikuti rapat monitor Sharia aspects. Other than that, this work unit
Komite Pembiayaan untuk melakukan pemantauan cooperates with Internal Audit Division to do Sharia
aspek syariah. Selain itu, unit kerja ini juga telah auditing in some business units.
bekerja sama dengan Divisi Audit Internal untuk
melakukan audit syariah di beberapa unit bisnis.
Sebagai Liason Officer DPS, ShCDep berkewajiban As a DPS Liasion Officer, ShCdep is required to
untuk melaporkan hasil pemantauan dan pengawasan give reports to DPS about its Sharia monitoring and
syariah yang telah dilakukan kepada DPS setiap 2 supervision every 2 (two) months. Besides that, ShCdep
(dua) bulan sekali. Selain itu, ShCDep juga melakukan also carries out Sharing Information about the results
Sharing Information mengenai hasil dari opini DPS of DPS opinions every semester or 6 (six) months to
setiap semester atau 6 (enam) bulan sekali kepada business units.
unit-unit bisnis
2.3.4. Rapat Dewan Pengawas Syariah 2.3.4. Meetings of Sharia Supervisory Board
Dalam menjalankan tugasnya DPS telah mengadakan In doing its tasks, DPS has held several meetings
rapat/pertemuan yang membahas perkembangan to discuss developments of products or operational
produk maupun aktivitas kegiatan operasional di activities in Bank Muamalat. In the year 2010, DPS
Bank Muamalat. Selama tahun 2010, DPS telah held 12 (twelve) meetings with Board of Directors and
mengadakan rapat dengan Direksi dan Pejabat/Staf officials / senior staff in Bank Muamalat. The meetings
Senior Bank Muamalat sebanyak 12 (duabelas) kali, are reflected in the written minutes of meetings. Every
yang tercermin dari Risalah Rapat yang telah dibuat. member of DPS always attended all of the meetings.
Semua rapat DPS yang diadakan, selalu dihadiri oleh
semua anggota DPS secara lengkap.

Annual Report
2.3.5. Evaluasi Kinerja Dewan Pengawas Syariah 2.3.5. Performance Evaluation of Sharia Supervisory
Sebagai bentuk pertanggungjawaban pelaksanaan Board
tugasnya di Bank Muamalat di tahun 2010, DPS telah As a responsibility reporting of its tasks in Bank Muamalat
menyampaikan Laporan Pengawasan setiap 6 (enam) in the year 2010, DPS has given Supervision Report
bulan kepada Bank Indonesia, melalui surat Nomor every 6 (six) to Bank Indonesia through Letter Number
611/BMI/DPS/VIII/2010 tanggal 24 Agustus 2010 611/BMI/DPS/VIII/2010 dated 24 August 2010 and
dan Nomor 78 /BMI/DPS/I/2011 tanggal 24 Januari Number 78 /BMI/DPS/I/2011 dated 24 January 2011.
2011, Laporan DPS dimaksud sesuai dengan surat Such report is in accordance with Bank Indonesia’s Letter
Bank Indonesia Nomor 12/1552/DPbS tanggal 24 Number 12/1552/DPbS dated 24 September 2010
September 2010 perihal Laporan Hasil Pengawasan concerning Supervision Report of Sharia Supervisory
DPS Bank Muamalat, dinyatakan telah cukup Board of Bank Muamalat, which states that the report
memenuhi ketentuan yang berlaku. has met the qualifications in the provisions.
2.3.6. Hubungan Keuangan atau Kekeluargaan serta 2.3.6. Financial or Family relation and double position of
Jabatan Rangkap Anggota Dewan Pengawas Syariah the members of Sharia Supervisory Board
Sebagai wujud pelaksanaan prinsip trnsparasi dalam As the realization of transparency principle in GCG, Bank
GCG, anggota DPS Bank Muamalat yang memiliki Muamalat‘s DPS members who have double positions
rangkap jabatan di lembaga keuangan bank atau in bank or non-bank financial institutions are KH. Ma’ruf
non bank adalah K.H. Ma’ruf Amin dan Prof. Dr. Umar Amin dan Prof. DR. Umar Shihab MA, with the following
Shihab M.A. dengan rincian sebagai berikut : details:
K.H. Ma'ruf Amin Prof. Dr. Umar Shihab M.A.

Jabatan di BMI / Position
Ketua DPS / Chairman Anggota DPS / Member
at BMI
Ketua DPS / Chairman Ketua DPS / Chairman
PT. Bank Negara Indonesia PT Reasuransi Internasional Indonesia
Ketua / Chairman
DPS PT. Bank Mega Syariah
Jabatan di Luar BMI / Indonesia
Position Outside BMI Ketua / Chairman
DPS PT BNI Life Insurance
Ketua / Chairman
DPS PT Asuransi Jiwa Beringin
Sejahtera
2.4. Direksi 2.4. Board of Directors (BOD)

Direksi merupakan organ perseroan yang BOD is an organ within the Company whose
bertanggung jawab menjalankan pengurusan responsibility to manage the Company for the benefit
Perseroan untuk kepentingan Perseroan dan sesuai of the Company within the intention and target of the
dengan maksud dan tujuan Perseroan sesuai dengan company in accordance with Bank Muamalat’s Articles
ketentuan Anggaran Dasar Bank Muamalat. of Association.

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149
Komposisi Direksi per 1 Januari 2010 berdasarkan The BOD formation per 1 January 2010 was based on
hasil keputusan Rapat Umum Pemegang Saham The General Meeting of Shareholders on 23 April 2009
pada tanggal 23 April 2009 dan tanggal 22 Juli 2009 and 22 July 2009 and in accordance with the decree
serta sesuai dengan surat keputusan Gubernur Bank of Bank Indonesia Governor Number 11/5/GBI/DPbS
Indonesia Nomor 11/5/GBI/DPbS tanggal 15 Juni 2009 dated 15 June 2009 and Number 11/8/GBI/DPbS dated
dan Nomor 11/8/GBI/DPbS tanggal 28 September 28 September 2009, the number of Directors qualified
2009 jumlah Direksi yang telah memenuhi kriteria in the Fit and Proper Test from bank Indonesia is 5 (five)
dalam fit and proper test Bank Indonesia adalah 5 persons, so there is one missing Director if compared
(lima) orang sehingga masih terdapat kekurangan with 6 (six) Commissioners. Below is the composition:
seorang Direktur bila dibandingkan dengan jumlah
Komisaris sebanyak 6 (enam) orang. Komposisi
tersebut adalah sebagai berikut:
No Nama / Name Jabatan / Position

1 Arviyan Arifin President Director
2 Andi Buchari Compliance & Risk Management Director
3 Farouk Abdullah Alwyni International Banking & Financial Institution, merangkap Finance Director
4 Adrian Asharyanto Gunadi Retail Banking Director, merangkap Operations Director
5 Luluk Mahfudah Corporate Banking Director
Untuk melengkapi kekosongan jabatan Direksi, maka Filling in the vacancy of Director, on 21 September 2010,
secara resmi diangkat Hendiarto sebagai Finance based on the result of General meeting of shareholders
& Operations Director pada 21 September 2010 dated 28 June 2010 and Decision of Deputy of Bank
berdasarkan hasil RUPS tanggal 28 Juni 2010 dan Indonesia Number 12/13/GBI/DPbS, Mr. Hendiarto was
Surat Keputusan Deputi Gubernur Bank Indonesia officially appointed as Finance & Operations Director. Per
Nomor 12/13/GBI/DPbS, sehingga komposisi dan 21 September 2010, the formation and total directors of
jumlah direktur Bank Muamalat adalah sebagai Bank Muamalat is as follows:
berikut :
No Nama / Name Jabatan / Position

2 Andi Buchari Compliance & Risk Management Director
3 Farouk Abdullah Alwyni International Banking & Financial Institution Director
4 Adrian Asharyanto Gunadi Retail Banking Director
6 Hendiarto Finance & Operations Director
Profil lengkap Direksi dapat dilihat pada bagian Profil The complete profiles of Board of Directors can be seen
Direksi, Bab 2 hal 60. in Profile of Board of Directors, Chapter 2 page 60.

Annual Report
2.4.1. Tugas dan Tanggung Jawab Direksi 2.4.1. Tasks and Responsibilities of Board of Directors
Direksi mempunyai tugas dan tanggungjawab BOD has tasks and responsibilities stipulated in Bank
sebagaimana tercantum dalam Anggaran Dasar Muamalat’s Articles of Association, and is guided by
Bank Muamalat dengan tetap berpedoman kepada the prevailing regulation, and GCG implementation
peraturan perundang-undangan yang berlaku provisions, including applying the principle of prudence,
termasuk memenuhi prinsip kehati-hatian dan and the principle of sharia.
ketentuan pelaksanaan GCG serta memenuhi prinsip
syariah.
Secara umum tugas dan tanggungjawab Direksi Generally, the Tasks and Responsibilities of BOD are:
adalah :
a. Memimpin dan mengurus Perseroan sesuai a. Leading and managing the Company in accordance
dengan maksud dan tujuan Perseroan with the purpose and intention of the Company.
b. Memastikan peningkatan efisiensi, efektifitas, dan b. Ensuring great, continuous improvement of
produktivitas yang tinggi bagi Perseroan secara efficiency, effectivity, and productivity for the
berkesinambungan Company.
c. Menerapkan good corporate governance sesuai c. Applying good corporate governance in accordance
dengan prinsip dan praktek good corporate to its principles and practices, and Board of
governance, buku pedoman dan petunjuk Directors Charter and Manual, and other valid GCG
bagi Direksi (Board of Directors Charter and guidance, as stipulated by Board of Commissioners,
Manual), petunjuk corporate governance lainnya continously in every business activity and in any
yang berlaku, dan hal yang telah disarankan levels in the Company’s organization.
oleh Dewan Komisaris, dari waktu ke waktu
pada setiap kegiatan usaha dan semua tingkat
organisasi Perseroan
d. Menguasai, memelihara dan mengurus kekayaan d. Owning, maintaining and managing the assets of
Perseroan the Company.
e. Melakukan pengawasan intern secara efektif dan e. Doing internal supervision effectively and efficiently
efisien
f. Memantau risiko dan mengelolanya, menjaga f. Monitoring and managing risks, keeping a
agar iklim kerja tetap kondusif sehingga conducive work atmosphere so that the productivity
produktivitas dan profesionalisme menjadi lebih and professionalism can be increased.
baik
g. Mengelola pejabat, staf dan karyawan Bank g. Managing the officials, staff, and employees of
Muamalat Bank Muamalat
h. Melaporkan kinerja Perseroan secara keseluruhan h. Reporting the general performance of Bank
kepada pemegang saham dalam Rapat Umum Muamalat to the shareholders in the Annual General
Pemegang Saham (RUPS) Tahunan. Meeting of Shareholders.

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151
Sedangkan fungsi, tugas dan tanggung jawab Direksi The functions, tasks, and responsibilities of BOD,
menurut Board Manual Bank Muamalat, antara lain according to Bank Muamalat Board manual, are below:
sebagai berikut:
1. Bertanggung jawab terhadap pelaksanaan 1. Having full responsibility in the management of Bank
pengelolaan Bank Muamalat berdasarkan prinsip Muamalat based on the principles of prudence and
kehati-hatian dan prinsip syariah. Sharia principles.
2. Mengelola Bank Muamalat sesuai dengan
kewenangan dan tanggung jawabnya 2. Managing Bank Muamalat in accordance with
sebagaimana diatur dalam Anggaran Dasar Bank BOD’s resonsibilities as stipulated in Bank
Muamalat dan peraturan perundang-undangan Muamalat’s Articles of Association and prevailing
yang berlaku. regulations.
3. Melaksanakan GCG dalam setiap kegiatan usaha 3. Incorporating GCG in every business activities of
Bank Muamalat pada seluruh tingkatan atau Bank Muamalat at any levels of organization.
jenjang organisasi.
4. Tunduk pada ketentuan peraturan perundang- 4. Abiding by the prevailing regulations, Articles of
undangan yang berlaku, Anggaran Dasar dan Association, and decisions from General Meeting
keputusan RUPS serta memastikan seluruh of Shareholders, and ensuring all activities of Bank
aktivitas Bank Muamalat telah sesuai dengan Muamalat has complied with prevailing regulations,
ketentuan, peraturan perundang-undangan yang Articles of Association, and decisions from General
berlaku, Anggaran Dasar dan keputusan RUPS. Meeting of Shareholders.
5. Mematuhi tata urutan peraturan internal Bank 5. Abiding by the internal regulation arrangement of
Muamalat. Bank Muamalat.
6. Melaksanakan pengurusan untuk kepentingan 6. Managing Bank Muamalat with the interest and
dan tujuan Bank Muamalat. purpose of Bank Muamalat.
7. Menetapkan susunan organisasi Bank Muamalat 7. Establishing the organizational structure of Bank
di tingkat pusat, wilayah maupun cabang lengkap Muamalat in central or regional levels, and branches,
dengan pelaksanaan tugasnya. complete with the job descriptions.
8. Bertindak selaku pimpinan dalam pengurusan 8. Acting as the head of Bank Muamalat management.
Bank Muamalat.
9. Direksi harus mengungkapkan kepada pegawai 9. Board of Directors is required to disclose to the
kebijakan Bank Muamalat yang bersifat strategis employees the strategic policies of Bank Muamalat
dibidang kepegawaian. about employment.
10. Memelihara dan mengurus kekayaan Bank 10. Maintaining and managing the assests of Bank
Muamalat. Muamalat.
11. Bertanggungjawab penuh dalam melaksanakan 11. Having full responsibility in doing its tasks for the
tugasnya untuk kepentingan Bank Muamalat interest of Bank Muamalat in achieving its goals.
dalam mencapai maksud dan tujuannya.
12. Melakukan segala tindakan dan perbuatan, 12. Doing all actions, whether about the managing or
baik mengenai pengurusan maupun pemilikan owning the assets of Bank Muamalat, or binding
kekayaan Bank Muamalat serta melakukan Bank Muamalat with other parties or other parties
perikatan dengan pihak lain dengan pembatasan with Bank Muamalat, with certain limitation.
tertentu.
13. Menerapkan good corporate governance secara 13. Applying good corporate governance consistenly.
konsisten.
14. Dalam rangka melaksanakan Good Corporate 14. In doing good corporate governance , BOD should
Governance, Direksi wajib memiliki fungsi have functions, at least as Internal Audit and
paling kurang yaitu Internal Audit dan Komite Committe of Risk Managment and Compliance.
Manajemen Risiko dan Kepatuhan.
15. Direksi wajib mempertanggungjawabkan 15. BOD should report its responsibilities in doing its
pelaksanaan tugasnya kepada pemegang saham tasks to the shareholders in the general meeting of
melalui Rapat Umum Pemegang Saham. shareholders.

Annual Report
Sesuai dengan surat keputusan Direksi terakhir Based on the latest Decision of Board of Directors
Nomor 076A /DIR/KPTS/X/2010 tanggal 29 Oktober Number 076A /DIR/KPTS/X/2010 dated 29 October
2010 tentang Penyempurnaan Stuktur Organisasi 2010 concerning the Improvement of Organizational
Bank Muamalat, berikut tugas dan tanggung jawab Structure of Bank Muamalat, these are the tasks and
dari masing-masing Direktur : responsibilities of each Director:
Nama Jabatan Tanggung Jawab

No
Name Position Responsibility
Supervisi langsung pada Divisi Sumber
Daya Manusia, Internal Audit Division,
Transformation Management Office
(TMO), Divisi Teknologi dan Corporation
Communication Desk
Direct supervision to Human Resources
Division, Internal Audit Division,
Transformation Management Office
(TMO), Technology Division and
Corporate Communication Desk
Supervisi langsung pada Divisi
Kepatuhan, Corporate Secretary
Compliance & Risk Management Division, dan Divisi Manajemen Risiko
2 Andi Buchari
Director Direct supervision to Corporate
Secretary Division, Compliance Division
and Risk Management Division
Supervisi langsung pada Divisi Bisnis
Internasional & Institusi Keuangan, dan
International Banking & Financial Divisi Layanan
3 Farouk Abdullah Alwyni
Institution Director Direct supervision to International
Banking & Financial Institution Division
and Service Division
Supervisi langsung pada Divisi
Pengembangan Produk dan Sales
Management & Support Division
4 Adrian Asharyanto Gunadi Retail Banking Director
Direct supervision to Product
Development Division and Sales
Management & Support Division
Supervisi langsung pada Financing
Support Division dan Remedial Division
Direct supervision to Financing Support
Division and Remedial Division
Supervisi langsung pada Divisi Strategi
& Keuangan, Divisi Operasi Nasional,
General Service Division, dan Treasury
Division
6 Hendiarto Finance & Operations Director
Direct supervision to Finance & Strategy
Division, National Operation Division,
General Service Division and Treasury
Division

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2.4.2. Rapat Direksi 2.4.2. Meeting of Board of Directors

Secara berkala Direksi mengadakan pertemuan Board of Directors holds internal meetings regularly to
internal untuk membahas hal-hal yang memerlukan discuss matters which need BOD’s consideration, to
pertimbangan Direksi dan juga membahas kebijakan discuss operational policies and development of the
operasional serta perkembangan pelaksanaan Company’s strategic plan implementation.
rencana strategis Perseroan.
Selama tahun 2010, Direksi telah melakukan rapat During the year 2010, BOD had held 42 (forty two)
internal Direksi sebanyak 42 (empat puluh dua) kali internal meetings and 7 (seven) meetings with Board of
dan 7 (tujuh) kali rapat dengan Dewan Komisaris Commissioners.
Berikut rincian jumlah kehadiran masing-masing Below is the details of the BOD member attendance at
anggota Direksi pada rapat internal Direksi dan rapat the BOD internal meetings and meeting with Board of
dengan Dewan Komisaris pada periode Januari s.d. Commissioners from January to December 2010:
Desember 2010 :
Jumlah Kehadiran pada/Total Attendance at :

No Nama/Name Rapat Direksi & Komisaris/Board of
Rapat Direksi/Board of Directors
Directors & Board of Commissioners
Meeting
Meeting
1 Arviyan Arifin 7 39
2 Andi Buchari 7 39
3 Farouk Abdullah Alwyni 7 39
4 Adrian Asharyanto Gunadi 7 38
5 Luluk Mahfudah 7 41
6 Hendiarto* 3 9
*) Catatan : Mulai bertugas 21 September 2010
*) Notes : On duty September 21, 2010
Setiap hasil rapat telah tertuang dalam notulen/ Every meeting was recorded in minutes of meetings,
risalah rapat termasuk hasil rapat dengan Komisaris including the results of the meetings with Board of
serta beberapa rekomendasi Komisaris, yang perlu Commissioners, to be discussed and followed-up by
untuk dibahas dan ditindaklanjuti oleh Direksi. the Directors.
2.4.3. Kebijakan Remunerasi 2.4.3. Remuneration Policy

Sesuai dengan Keputusan RUPS akta Nomor 142 Based on the Decision of General Meeting for
tanggal 23 April 2009 remunerasi yang dikeluarkan Shareholder Act Number 142 dated 23 April 2009, the
kepada 6 (enam) orang anggota Direksi adalah total remuneration given to 6 (six) members of Board
sebesar Rp 11,052 miliar. Selain itu Perseroan juga of Directors was IDR 11.052 billion. Besides that, the
memberikan fasilitas lainnya yang dapat dimiliki Company gives other facilities that can be owned by
sebesar Rp 1,46 miliar dan fasilitas lainnya yang tidak the members amounting to IDR 1,46 billion, and other
dimiliki sebesar Rp 218 juta. facilities that cannot be owned amounting to IDR 218
million.

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Jenis Remunerasi dan Fasilitas Lain/Type of Jumlah Yang Diterima Dalam 1 (satu) Tahun
Remuneration and Other Facilities Orang/Persons Jumlah/Total
Remunerasi/Remuneration 6 Rp 11,05 miliar/billion
Fasilitas Lain/Other Facilities
Dapat dimiliki/Can be owned 6 Rp 1,46 miliar/billion
Tidak dapat dimiliki/Cannot be owned 6 Rp 218 juta/million
Direksi yang menerima paket remunerasi selama Directors who received remuneration packages in 2010
tahun 2010 adalah sebagai berikut : were:
Jumlah Remunerasi per orang dalam 1 tahun/ Jumlah Direksi/Number of Directors

Total Remuneration per person in 1 year
Diatas Rp 2 miliar/Above IDR 2 billion 4 orang/persons
Diatas Rp 1 miliar s.d. Rp 2 miliar/Above IDR 1 billion up to IDR 2 billion 1 orang/persons
Diatas Rp 500 juta s.d. Rp 1 miliar/Above IDR 500 million up to IDR 1 billion 1 orang/persons
Rp 500 juta ke bawah/Below IDR 500 million -
2.4.4. Pelatihan Direksi 2.4.4. Trainings for Board of Directors

Guna meningkatkan kompetensi dan menunjang To improve the competence and to support the Board
pelaksanaan tugas Direksi, selama tahun 2010 of Directors in doing its tasks, during the year 2010,
anggota Direksi telah mengikuti berbagai program the members of BOD attended various programs
pelatihan, workshop, konferensi, seminar antara lain: of trainings, workshops, conferences and seminars.
Among others are:
No Workshop/Training/Seminar Tanggal/Date Tempat/Location
Arviyan Arifin, President Director
1 World Islamic Economic Forum 18 - 20 May 2010 Kuala Lumpur
2 Seminar Internasional Tahunan ke-8 22 Oct 2010 Jakarta
Seminar Akhir Tahun Perbankan Syariah
3 26 Nov 2010 Bank Indonesia, Jakarta
2010
Andi Buchari, Compliance & Risk Management Director
Seminar FKDKP “ Prinsip Kehati-hatian,
1 18 Mar 2010 Jakarta
Manajemen Risiko dan Transparansi
2 Professional Director Program (ICD) 24 Mar 2010 Jakarta
Senior Management Risk Summit 2010
3 9 Jul 2010 Denpasar
(BSMR - Bank Indonesia)
Seminar Bank Indonesia, Transformasi
4 Fungsi Kepatuhan Guna Peningkatan 19 Aug 2010 Jakarta
Kesehatan Bank Yang Berkelanjutan

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155
No Workshop/Training/Seminar Tanggal/Date Tempat/Location

Seminar Bank Indonesia, Optimalisasi
Fungsi Directorat Investigasi &
5 Mediasi Perbankan (DIMP) - BI Dalam 7-8 Oct 2010 Bandung
Menjembatani Perselisihan antara Bank
dengan Pihak Terkait
6 Seminar Nasional PPATK 11 Nov 2010 Jakarta
Seminar Bank Indonesia, Memperkuat
Manajemen Bank Dalam Rangka
7 25 Nov 2010 Solo
Mewujudkan Sistem Perbankan yang
Sehat
Conference on Financial Crime Asia
8 9-10 Dec 2010 Denpasar
2010 (BSMR - Bank Indonesia)
Farouk Abdullah Alwyni, International Banking & Financial Institution Director
1 5th IDB Global Forum on Islamic Finance 20-22 Jun 2010 Baku, Azerbaijan
2 Asia Pacific Banks Conference 1-3 Jun 2010 Macau, Hong Kong
Global Islamic Finance Forum (GIFF)
3 26-28 Oct 2010 KL, Malaysia
2010
Seminar Nasional Peranan Lembaga
4 Keuangan dalam Perkembangan UMKM 23 Nov 2010 Univ. Airlangga, Surabaya
pada Percaturan Ekonomi Global
5 Training on Islamic Banking & Finance 24 Feb-2 Mar 2010 Moscow & Kazan, Rusia
6 Training BSMR Tk. IV-V 4-6 Nov 2010 Jakarta
Luluk Mahfudah , Corporate Banking Director
1 Training BSMR 4-6 Nov 2010 Jakarta
Adrian Asharyanto Gunadi, Retail Banking Director
1 Speaker Invitation : IFN Roadshow 2010 15 Jan 2010 Jakarta
2 Training Dengan PNM 2 Feb 2010 Jakarta
HP 2010: ELEVATE - HP Asia Pacific &
3 19 Mar 2010 Jakarta
Japan PSG Commercial Road Show
4 IFN Road Show 15 Apr 2010 Jakarta
5 Workshop IBM 27 May 2010 Jakarta
Panelist di acara Global Islamic Finance
6 17 Sep 2010 Jakarta
Forum
Hendiarto , Finance & Operations Director
*) Belum pernah mengikuti training/seminar/workshop selama 2010, mengingat bergabung dengan Bank Muamalat pada 21 September 2010
*) Not to have attended a training / seminars / workshops during 2010, considering joining the Bank Muamalat on 21 September 2010

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2.4.5. Evaluasi Kinerja Direksi 2.4.5. Evaluation of Board of Directors Performance

Selama tahun 2010, Direksi telah menjalankan tugas During 2010, Board of Directors conducted their duties
dan tanggung jawabnya. Secara konsisten Direksi and responsibilities. Consistently, the Directors have
telah melaksanakan hal berikut : done their performance as follows:
1. RUPS setiap tahun bersama dengan Dewan 1. The Annual General Meeting of Shareholders
Komisaris sebagaimana yang diamanahkan oleh along with the Commissioners as mandated in the
Anggaran Dasar Perusahaan. RUPS terakhir Articles of Association of the Company. The last
dilaksanakan pada tanggal 28 Juni 2010. GMS were conducted on 28 June 2010. Board
Direksi telah mengambil langkah-langkah yang of Directors have taken the necessary steps to
diperlukan untuk menindak lanjuti hasil RUPS follow-up the resolution of Extraordinary GMS on
Luar Biasa tanggal 28 Juni 2010 yaitu melakukan 28 June 2010, which is to modify the Articles of
perubahan anggaran dasar terkait dengan Association regarding to the Rights Issue of Bank
adanya Right Issue Saham Bank Muamalat. Muamalat Share. In every GMS, Board of Directors
Dalam setiap RUPS Direksi telah menyampaikan submit their accountability on the implementation
pertanggungjawaban mengenai pelaksanaan of the Company’s management in detail about
pengelolaan perusahaan secara rinci baik the financial condition or the Company’s overall
mengenai kondisi keuangan maupun keadaan condition. On the last GMS conducted on 28 June
perusahaan secara menyeluruh. Pada RUPS 2010, all the accountability of Board of Directors
terakhir yang diselenggarakan pada tanggal 28 was accepted unanimously.
Juni 2010, seluruh pertanggungjawaban Direksi
tentang pengelolaan bank telah diterima secara
aklamasi.
2. Direksi telah menyusun dan selalu 2. Board of Directors have complied and perfected
menyempurnakan struktur organisasi yang the organizational structure which can support
dapat mendukung pelaksanaan tugasnya, their duty implementation, the last modification
perubahan terakhir dilaksanakan berdasarkan was conducted based on the decree of the Board
Surat Keputusan Direksi Nomor 076A/DIR/KPTS of Directors No.076A/DIR/KPTS/X/2010 dated 29
/X/2010 tanggal 29 Oktober 2010. October 2010.
3. Selalu berpedoman pada ketentuan peraturan 3. Always referred to the provisions of applicable
perundang-undangan yang berlaku, Anggaran regulating laws, the Articles of Association and the
Dasar dan keputusan RUPS serta memastikan resolution of the GMS as well as ensuring the entire
seluruh aktivitas Bank Muamalat Indonesia telah Bank Muamalat’s activities; Board of Directors
sesuai dengan prinsip perbankan yang sehat has complied with the principles of healthy bank,
dan ketentuan peraturan peraturan perundang- applicable regulations and laws, as well as the
undangan yang berlaku, Anggaran Dasar dan Articles of Association and resolution of GMS and
keputusan RUPS serta prinsip-prinsip syariah. Sharia principles. This is shown in the obligations
Hal ini tercermin dari pemenuhan kewajiban- fulfillment such as submitting their report to banking
kewajibannya antara lain dalam menyampaikan and financial authority in Indonesia which are
laporan kepada otoritas perbankan dan Bank Indonesia and Capital Market and Financial
keuangan di Indonesia, yaitu Bank Indonesia dan Institutions Supervisory Agency (Bappepam) as well
Badan Pengawas Pasar Modal dan Lembaga as other relevant institutions such as National Board
Keuangan (BAPEPAMLK) serta kepada instansi of Sharia, according to the applied provisions.
terkait lainnya seperti Dewan Syariah Nasional,
sesuai dengan ketentuan yang berlaku.
4. Selalu memenuhi komitmen yang telah dibuat 4. Always fulfill the commitments which have been made
baik kepada Bank Indonesia maupun kepada to Bank of Indonesia or Board of Commissioners as
Dewan Komisaris selaku wakil pemegang saham. the representatives of shareholders.

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5. Dalam menjalankan tugas dan tanggung 5. In conducting their duties, Board of Directors is
jawabnya, Direksi telah dibantu oleh kepala assisted by heads of division. This is intended
divisi. Hal ini dimaksudkan agar organisasi to make the Bank’s organization and operation
dan operasional bank dapat berjalan dengan run by involving all the Bank’s officials who work
melibatkan seluruh pejabat bank yang bekerja professionally, so that the sense of belonging and
secara profesional, sehingga rasa tangungjawab responsibility toward the Company can grow bigger
dan rasa memiliki terhadap perusahaan akan and at the end create synergy and capability for
menjadi semakin besar yang pada akhirnya more solid Bank.
menimbulkan sinergi dan kemampuan bank yang
semakin kokoh.
3. KOMITE-KOMITE KERJA BANK 3. WORK COMMITTEE OF BANK

MUAMALAT MUAMALAT
3.1. Komite-Komite Kerja Komisaris 3.1. Work Committee of Commissioners
Untuk membantu pelaksanaan tugasnya dan sesuai To assists their duty implementation and in accordance
dengan ketentuan GCG, Dewan Komisaris telah with the GCG provision, the Board of Commissioners
membentuk komite-komite yaitu Komite Audit, has formed committees such as Audit Committee, Risk
Komite Pemantau Risiko dan Komite Remunerasi dan Monitor Committee, and Remuneration and Nomination
Nominasi. Berikut rinicannya : Committee. Here are the details:
2 1 3
3.1.1. Komite Audit (KA) 3.1.1. The Audit Committee

Komite Audit terdiri dari seorang Ketua yang The Audit Committee consists of a Chairman who is an
merupakan Komisaris Independen dan 2 (dua) orang Independent Commissioner and 2 (two) members. The
anggota. Ketua maupun seluruh anggota Komite Audit Chairman and the members of the Audit Committee
memiliki keahlian dan latar belakang pengetahuan have the competency and adequate education and
serta pengalaman yang memadai. Komite ini dibentuk experience background. The committee is formed based
atas dasar Surat Keputusan Direksi Nomor 019/DIR/ on the decree of the Board of Directors No.019/DIR/
KPTS/III/2010 tanggal 2 Maret 2010 tentang Komite KPTS/III/2010/ dated 2 March 2010, about the Audit
Audit Bank Muamalat dengan susunan sebagai Committee of Bank Muamalat with the structure below:
berikut :
Nama Status Jabatan

Name Status Position
1. Andre Mirza Hartawan Independent Commissioner Ketua/Chairman
2. Widigdo Sukarman Independent Commissioner Anggota/Member
Pihak Independen /
3. Teuku Radja Sjahnan Anggota/Member
Independent Parties

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Pemilihan dan seleksi atas calon anggota Komite The selection and appointment process for the Audit
Audit dari Pihak Independen oleh Dewan Komisaris Committee candidate from Independent Party by the
memang sangat selektif dan benar-benar harus Board of Commissioners is very selective and really
memiliki kualifikasi kompetensi dan pengalaman yang should have competency qualification and experience
sesuai dengan persyaratan yang tercantum dalam complies with the requirements stated in GCG. As the
ketentuan GCG. Berdasarkan hasil seleksi tersebut result from the selection process Teuku Radja Sjahnan
telah terpilih Teuku Radja Sjahnan sebagai anggota has been selected as the member of Audit Committee.
Komite Audit.
Profil Anggota Komite Audit (KA) Profile of the Audit Committee

Profil Andre Mirza Hartawan dan Widigdo Sukarman Profile of Andre Mirza Hartawan and Widigdi Sukarman
disajikan pada Profil Dewan Komisaris, Bab 3 hal 56. is presented in Profile of the Board of Commissioners
section in Chapter 3 page 56.
Teuku Radja Sjahnan, MSc, CISA – Warga Negara Teuku Radja Sjahnan, MSc, CISA – Indonesian citizen,
Indonesia, lahir di Sabang, 1 Febuari 1968. Menjabat born in Sabang on 1 February 1968. Serving as the
sebagai anggota Komite Audit Bank Muamalat sejak member of the Audit Committee of Bank Muamalat
2 Maret 2010. Memperoleh gelar Diploma Akuntansi since 2 March 2010, he earned his Diploma degree
dari Sekolah Tinggi Akuntansi Negara, Jakarta (1989), in Accounting from Sekolah Tinggi Akuntansi Negara,
Sarjana Ekonomi dari Universitas Indonesia, Jakarta Jakarta (1989), Bachelor’s Degree in Economics from
(1994), Master in Finance dari London Business University of Indonesia, Jakarta (1994) and Master’s
School, London–Inggris (2001). Pemegang Certified Degree in Finance from London Business School,
Information System Auditor (CISA) ini memiliki London-England (2001). The bearer of Certified
pengalaman yang luas, anggota United Nation (UN) Information System Auditor (CISA) certificate has a
Board of External Audit yang bertugas melakukan broad experience, as member of United Nation (UN)
audit atas UN Integrated Management Information Board of External Audit whose incumbency includes
System (UN-IMIS) di New York tahun 1992-1993, conducting audit on UN Integrated Management
sebagai Audit MIS Manager pada Dewan Audit Information System (UN-IMS) in New York in 1992-1993,
Indonesia untuk bidang IT Project tahun 1997-1999, as Audit MIS Manager in Indonesia Board of Audit for IT
sebagai Auditor BPK-RI dengan berbagai tugas Project in 1997-1999, as BPK-RI Auditor with several
khusus pada tahun 1999-2007, sebagai Konsultan special tasks in 1999-2007, as Consultant in Jakarta’s
pada World Bank untuk Kantor di Jakarta tahun 2007, Office of World Bank in 2007 and also as member of
serta sebagai anggota Komite Audit Bank Negara the Audit Committee Bank Negara Indonesia 1946 from
Indonesia 1946 dari tahun 2001-2009. 2001 to 2009.
Independensi Anggota Komite Audit The Independency of the Member of Audit Committee
Seluruh anggota Komite Audit Bank Muamalat All members of Audit Committee of Bank Muamalat
berasal dari pihak independen dan tidak memiliki come from independent party and does not have any
hubungan keuangan, kepengurusan, kepemilikan relation in financial, managerial, share ownership, and/or
saham, dan/atau keluarga dengan anggota Dewan familial with other members of Board of Commissioners,
Komisaris lainnya, Direksi dan/atau Pemegang Saham Directors and/or Controlling Shareholders or with the
Pengendali atau hubungan dengan Bank, yang dapat Bank, which might influence the committee member
mempengaruhi independensi anggota komite. independency.

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Tugas dan Tanggung Jawab Komite Audit Duties and responsibilities of the Audit Committee
Selama tahun 2010 Komite Audit telah melaksanakan During 2010, the Audit Committee has conducted their
fungsi, tugas dan tanggung jawabnya sesuai dengan functions, duties and responsibilities in accordance with
Piagam Komite Audit (Committee Audit Charter), the Committee Audit Charter as follows:
sebagai berikut :
1. Menindaklanjuti hasil temuan Internal Audit 1. Followed-up the founding of Internal Audit Division
Division (IAD) sesuai dengan kebijakan atau (IAD) in accordance with the policy or as instructed
pengarahan yang diberikan oleh Dewan by Board of Commissioners.
Komisaris.
2. Ketua Komite Audit, bersama Direktur Utama 2. The Chairman of Audit Committee, with the
menandatangani laporan hasil audit kepada President Director, signed the audit result report
Bank Indonesia atas setiap temuan audit yang to Bank Indonesia. The report consists of every
diperkirakan dapat mengganggu kelangsungan audit finding predicted to impede Bank Muamalat’s
usaha Bank Muamalat. business continuity.
3. Mengevaluasi hasil temuan pemeriksaan oleh 3. Evaluating the audit founding by IAD.
IAD.
4. Meminta Direksi untuk menindaklanjuti hasil 4. Request Board of Directors to follow-up the IAD
temuan pemeriksaan IAD. audit founding
5. Memberikan persetujuan tentang pengangkatan 5. Approve on appointment and dismissal Group
dan pemberhentian Group Head IAD oleh Direksi Head IAD by Board of Directors and reported it to
serta melaporkan kepada Bank Indonesia Bank Indonesia.
6. Mereview Internal Audit Charter, menanggapi 6. Review Internal Audit Charter, responding to
rencana Audit Intern dan masalah-masalah Internal Audit plan and issues found by IAD as well
yang ditemukan oleh IAD serta menentukan as determine special examination by IAD, if there
pemeriksaan khusus oleh IAD, apabila terdapat was allegation of violation against applicable laws
dugaan terjadinya kecurangan, penyimpangan and regulations.
terhadap hukum dan peraturan yang berlaku
7. Mengambil langkah-langkah yang diperlukan 7. Take needed step if the auditor does not follow-up
dalam hal auditee tidak menindaklanjuti laporan the IAD report.
IAD
8. Memastikan bahwa laporan-laporan yang 8. Ensure that the reports submitted to Bank
disampaikan kepada Bank Indonesia, Bapepam Indonesia, Capital Market Supervisory Agency and
serta instansi lain yang berkepentingan dilakukan other relevant institutions has delivered accordingly
dengan benar dan tepat waktu dan memastikan and on-time and ensuring that Bank Muamalat has
bahwa Bank Muamalat mematuhi semua complied with all the applied regulating laws.
ketentuan perundang-undangan yang berlaku
9. Memastikan bahwa manajemen menjamin 9. Ensure that the Management guarantees that the
eksternal auditor dan internal auditor bekerja External Auditor as well as Internal Auditor can
sesuai dengan Standar Audit yang berlaku perform their duty in accordance with applied Audit
Standard.
10. Memastikan independensi dan obyektivitas 10. Ensure the Public Accountant Independency and
akuntan publik objectivity.

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11. Memberikan rekomendasi kepada Dewan 11. Give recommendations to Board of Commissioners
Komisaris mengenai penunjukkan akuntan publik, on public accountant appointment as well as
serta melakukan evaluasi terhadap kandidat evaluate the candidates at least once in 3 (three)
minimal 3 (tiga) tahun sekali untuk menjaga years to maintain the independency of the appointed
kemandirian dari akuntan publik yang ditunjuk public accountant.
12. Memastikan kecukupan pemeriksaan yang 12. Ensure the adequacy of audit conducted by
dilakukan oleh akuntan publik untuk memastikan the public accountant to make sure that all the
semua risiko yang penting telah dipertimbangkan. significant risks have been considered.
Laporan Kerja Komite Audit The Audit Committee Performance Report

Selama tahun 2010 Komite Audit (KA) telah During 2010 the Audit Committee delivered their function
melaksanakan fungsinya dan telah mengeluarkan and issued their recommendations to the Management.
rekomendasi kepada pihak manajemen. Berdasarkan According to the evaluation on document and minutes
evaluasi terhadap dokumen dan risalah rapat Komite of meeting of Audit Committee, the Audit Committee
Audit, dapat diketahui hal yang telah dilaksanakan has delivered their performance such as:
oleh KA, sebagai berikut :
1. Melakukan pertemuan dengan Internal Audit 1. Conducted meeting with Internal Audit Division to
Division (IAD) untuk membahas hasil temuan discuss the examination finding conducted in 47
pemeriksaan yang dilakukan terhadap 47 kantor branch offices by IAD and the follow-up. Besides
cabang bank oleh IAD serta tindaklanjutnya. that, the IAD also delivered the special examination
Selain itu, IAD juga menyampaikan hasil finding on several branch offices alleged to have the
pemeriksaan khusus terhadap beberapa kantor violation to Audit Committee. The finding was then
cabang yang terindikasi menyimpang kepada evaluated by the Audit Committee and the result
Komite Audit. Temuan ini kemudian dievaluasi was submitted to Board of Commissioners.
oleh Komite Audit dan hasilnya disampaikan
kepada Dewan Komisaris.
2. Memberikan rekomendasinya kepada Dewan 2. Submitted their recommendations to the Board of
Komisaris mengenai penunjukan akuntan publik Commissioners on public accountant appointment
untuk audit keuangan tahun 2010. for financial audit in 2010.
3. Menganjurkan agar IAD untuk memiliki Audit 3. Recommend the IAD to have Audit Software
Software Monitoring System untuk memonitor Monitoring System to monitor the follow-up on all
tindak lanjut seluruh temuan Bank Indonesia, findings from Bank Indonesia, Public Accountant
Kantor Akuntan Publik, dan IAD. Komite Audit Office, and IAD. Audit Committee also asked IAD to
juga meminta IAD untuk terus memonitor hasil to continuously monitor the findings manually while
temuan itu secara manual selama menunggu awaiting the completion of software development
pengembangan software selesai agar hasilnya so that it could be utilized by the Audit committee
dapat digunakan Kantor Akuntan Publik (KAP) during the examination at the end of 2010.
saat melakukan pemeriksaan di akhir tahun 2010. 4. Evaluate the IAD auditing plan for 2011. The Audit
4. Melakukan evaluasi rencana kerja pemeriksaan Committee has also received the Main Report on
IAD tahun 2011. Komite Audit juga telah menerima Semester Audit from IAD and forward the report
Laporan Pokok Hasil Audit Semesteran dari IAD to the Commissioners to be submitted to Bank
dan meneruskannya kepada Komisaris untuk Indonesia.
kemudian disampaikan kepada Bank Indonesia.

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5. Menyetujui permohonan rekomendasi untuk Audit 5. Approve the requests of recommendations for
Keuangan Bank Muamalat yang disampaikan Financial Audit Bank Muamalat by Board of Directors
oleh Direksi melalui surat Nomor 644/BMI/DIR/ trough the letter Number 644/BMI/DIR/IX/2010
IX/2010 tanggal 3 September 2010. Komite dated 3 September 2010. The Audit Committee has
Audit juga telah menyampaikan rekomendasi also submitted their recommendation on Osman,
Kantor Akuntan Publik Osman Bing Satrio & Bing, Satrio & Partners (Deloitte) Public Accountant
Rekan (Deloitte) sebagai auditor eksternal yang Office as external auditor who conducted the
akan melakukan pemeriksaan keuangan tahun financial auditing for fiscal year 2010 to the
buku 2010 kepada Komisaris. Surat Penunjukan Commissioners. The appointment letter for external
auditor eksternal telah disampaikan kepada auditor has been delivered to Osman, Bing, Satrio &
Kantor Akuntan Publik Osman, Bing, Satrio & Partner Pubic Accountant Office through letter No.
Rekan (Deloitte) melalui surat Nomor 1178/BMI/ 1178/BMI/DIR/XI/2010 dated 15 November 2010.
DIR/XI/2010 tanggal 15 November 2010.
Rapat Komite Audit The Meeting of Audit Committee

Selama tahun 2010 Komite Audit telah melakukan During 2010 the Audit Committee conducted 6 (six)
rapat koordinasi antar komite dan unit terkait sebanyak coordination meetings between the committee with
6 (enam) kali. relevant units.
7 5 3 1 2 4 6
3.1.2 Komite Remunerasi dan Nominasi (KRN) 3.1.2. The Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi Bank Muamalat (RNC)
ditetapkan berdasarkan Surat Keputusan Direksi The Remuneration and Nomination Committee Bank
Nomor 131/DIR/KPTS/XII/2009 tanggal 22 Desember Muamalat was formed based on the decree of the
2009 tentang susunan anggota Komite Remunerasi Board of Directors No.131/DIR/KPTS/XII/2009 22
dan Nominasi. KRN diketuai oleh seorang Komisaris dated December 2009 about the member structure of
Independen dengan 6 (enam) anggota yang memiliki Remuneration and Nomination Committee. The RNC is
keahlian dan independensi yang memadai. lead by Independent Commissioner with 6 (six) members
with adequate skill and independency.

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Susunan keanggotaan Komite Remunerasi dan The structure of the Remuneration and Nomination
Nominasi adalah sebagai berikut : Committee is as follow:
Nama Status Jabatan

1. Emirsyah Satar Independent Commissioner Ketua/Chairman
2. Widigdo Sukarman Independent Commissioner Anggota/Member
3. Sultan Mohammed Hasan Abdulrauf Commissioner Anggota/Member
4. Maulana Ibrahim Pihak Independen / Independent Parties Anggota/Member
Kepala Divisi Sumber Daya Manusia / Head
5. Loethano Novi Syukriadi Anggota/Member
Division of Human Resources
6. Pri Notowidigdo Pihak Independen / Independent Parties Anggota/Member
7. Abdulla Saud Abdul Aziz Al Mulaifi Commissioner Anggota/Member
Profil Anggota Komite Remunerasi dan Nominasi Profile of Remuneration and Nomination Committee
Profil Emirsyah Satar, Widigdo Sukarman, Abdulla Member
Saud Abdul Azis Al Mulaifi, dan Sultan Mohammed The profile of Emirsyah Satar, Widigdo Sukarman,
Hasan Abdulrauf disajikan pada bagian Riwayat Abdulla Saud Azis Al Mulaifi and Sultan Mohammed
Hidup Dewan Komisaris, Bab 3 hal 56. Hasan Abdulrauf are presented in Profile of the Board of
Commissioners in Chapter 3 page 56.
Pri Notowidigdo – Warga Negara Indonesia, lahir di Pri Notowidigdo – Indonesian citizen, was born in
Klaten–Jawa Tengah, 14 Mei 1947. Menjabat sebagai Klaten, Central Java, on 14 May 1947. He has been
anggota Komite Remunerasi dan Nominasi sejak 22 serving as member of the Remuneration and Nomination
Desember 2009. Saat ini juga menjabat berbagai Committee since December 22, 2009. At the same time
jabatan di Amrop Group antara lain Senior Partner he also serves in several positions in Amrop Group as
Amrop Indonesia, Member of Amrop’s Global Board. Senior Partner Amrop Indonesia, Member of Amrop’s
Selain di Bank Muamalat, ia juga menjabat sebagai Global Board. Besides Bank Muamalat, he also serves
anggota Komite Nominasi dan Remunerasi Grup as member of Remuneration and Nomination Committee
Semen Gresik dan beberapa jabatan lainnya di of Group Semen Gresik and several other positions in
berbagai organisasi. Memperoleh gelar Bachelor of various organizations. He obtained his Bachelor of Art
Art (Honours) dan Master of Arts di Carleton University, (Honours) and Master of Arts in Carleton University,
Canada. Canada.
Maulana Ibrahim – Warga Negara Indonesia, lahir di Maulana Ibrahim – Indonesian citizen, was born in
Bandung, 20 Oktober 1948. Menjabat sebagai anggota Bandung, on 20 October 1948. He has been serving
Komite Remunerasi dan Nominasi sejak 22 Desember as the member of Remuneration and Nomination
2009. Jabatan sebelumnya sebagai Deputi Gubernur Committee since 22 December 2009. His previous
Bidang Sistem Pembayaran dan Operasional Kantor position was as Deputy Governor for Payment System
Bank Indonesia. Meraih gelar Sarjana Ekonomi di Division and Office Operational in bank of Indonesia. He
Univertsitas Padjadjaran, Bandung (1977) dan meraih obtained Bachelor degree in Economy from Padjajaran
Master of Arts di bidang ekonomi dari Central Missouri University, Bandung (1977) and Master of Arts in
State University (1984) . Economy from Central Missouri State University (1984).

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Loethano Novi Syukriadi – Warga Negara Indonesia, Loethano Novi Syukriadi – Indonesian citizen, was born
lahir di Jakarta, 23 November 1970. Menjabat sebagai in Jakarta on 23 November 1970. He has been serving
anggota Komite Remunerasi dan Nominasi sejak 22 as the member of Remuneration and Nomination
Desember 2009. Memperoleh gelar Sarjana di bidang Committee since 22 December 2009. He obtained
psikologi dari Universitas Indonesia, Jakarta (1998). his Bachelor of Psychology in University of Indonesia,
Jakarta (1998).
Pada tanggal 1 Maret 2011 Gatot Basuki Soeseno On March 1, 2011, Gatot Basuki Soeseno Sarosa
Sarosa menggantikan Loethano Novi Syukriadi untuk replaced Loethono Novi Syukriadi to lead Human
memimpin Divisi Sumber Daya Manusia. Perubahan Resources Division. The adjustment has modified the
tersebut kemudian merubah susunan keanggotaan structure of Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi Bank Muamalat Bank Muamalat Indonesia as per 1 March 2011, as
Indonesia per 1 Maret 2011, sebagai berikut : follows:
Nama Status Jabatan

Emirsyah Satar Independent Commissioner Ketua/Chairman
Widigdo Sukarman Independent Commissioner Anggota/Member
Abdulla Saud Abdul Aziz Al Mulaifi Commissioner Anggota/Member
Sultan Mohammed Hasan Abdulrauf Commissioner Anggota/Member
Pri Notowidigdo Pihak Independen / Independent Parties Anggota/Member
Maulana Ibrahim Pihak Independen / Independent Parties Anggota/Member
Loethano Novi Syukriadi Kepala Divisi Sumber Daya Manusia / Anggota/Member
Head Division of Human Resources
Profile of Gatot Basuki Soeseno Sarosa

Profil Gatot Basuki Soeseno Sarosa
Gatot Basuki Soeseno Sarosa – Indonesian citizen,
Gatot Basuki Soeseno Sarosa – Warga Negara
was born in Tegal, November 21, 1957. He has been
Indonesia, lahir di Tegal, 21 November 1957. Menjabat
serving as Head of the Human Resources Division since
sebagai Kepala Divisi Sumber Daya Manusia
2 March 2011 and also member of Remuneration and
sejak 1 Maret 2011 dan menjadi anggota Komite
Nomination Committee. Among his previous careers
Remunerasi dan Nominasi. Karir sebelum di Bank
before joining Bank Muamalat are in PT Bukit Talenta
Muamalat antara lain di PT Bukit Talenta Indonesia
Indonesia (2006-present) and PT Bank Kesejahteraan
(2006–sekarang) dan Bank Kesejahteraan Ekonomi
Ekonomi (2005-2008). He obtained his Engineering
(2005–2008). Memperoleh gelar Insinyur dari Fakultas
Degree from the Faculty of Forestry of Institut Pertanian
Kehutanan Institut Pertanian Bogor (1980) dan Master
Bogor (1980) and master of Business Administration
of Bussiness Administration dari University of New
from the University of New Orleans, Louisiana, USA
Orleans, Louisiana, Amerika Serikat (1991).
(1991).

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Tugas dan Tanggung Jawab Komite Nominasi dan Duties and Responsibilities of the Remuneration and
Remunerasi (KNR) Nomination Committee (RNC)
Tugas dan tanggung jawab KNR sesuai dengan Buku The duties and responsibilities of the RNC according
Panduan Kerja Dewan Komisaris dan Komite serta to the Manual Book of the Board of Commissioners
Piagam Komite Remunerasi dan Nominasi adalah and Committee as well as the Chart of Remuneration
memberi dukungan agar pelaksanaan tugas dan and Nomination Committee is to give support so that
tanggung jawab Dewan Komisaris, khususnya yang the implementation of duties and responsibilities of the
berhubungan dengan kebijakan remunerasi dan Commissioners, especially regarding the remuneration
kebijakan nominasi, dapat berjalan dengan efektif. and nomination policy, can run effectively. The duty and
Adapun tugas dan tanggung jawab Komite ini antara responsibilities of the Committees are:
lain:
1. Menentukan kriteria seleksi dan prosedur 1. Determining the selection criteria and nomination
nominasi bagi Anggota Dewan Komisaris, Direksi procedure for member of Board of Commissioners,
dan Karyawan Senior. Directors and Senior Employee.
2. Mengajukan nominasi Anggota Dewan Komisaris 2. Propose the nomination for member of Board of
dan Direktur melalui Direksi untuk diajukan Commissioners and Directors through the Directors
kepada Bank Indonesia (untuk dilakukan to be submitted to Bank of Indonesia afterwards
penilaian kemampuan dan kepatutan) dan (to conduct fit and proper test) and Shareholders
Pemegang Saham sebelum pelaksanaan RUPS before the General Meeting of Shareholders taking
dengan mempertimbangkan secara seksama into account the suggestions from the Shareholders.
usulan-usulan dari Pemegang Saham.
3. Mengevaluasi jumlah Anggota dan komposisi 3. Evaluating the number of member and the
Dewan Komisaris dan Direksi. composition of Board of Commissioners and
4. Mempersiapkan proposal penunjukan atau Directors.
penunjukan ulang Anggota Dewan Komisaris dan 4. Preparing the appointment proposal or
Direktur kepada Pemegang Saham. reappointment of member of Board of
Commissioners to Shareholders.
Laporan Kerja Komite Nominasi dan Remunerasi The Performance Report of Remuneration and
(KNR) Nomination Committee (RNC)
Dalam pelaksanaan tugasnya KNR telah mengadakan In the implementation of their duty the RNC conduct
pertemuan dengan Direksi dan Unit kerja terkait meetings with Directors and relevant work unit and
membahas mengenai hal-hal yang berkaitan dengan : discussing matters relating to:
1. Sumber daya insani yang ada di Bank khususnya 1. The human resources in the Company especially
terkait pemenuhan komitmen dengan Bank regarding to the fulfillment of commitment to
Indonesia antara lain memberikan rekomendasi Bank Indonesia which among them is to give
dalam rangka pengisian jabatan Direktur Finance recommendation in order to fill the position of
& Operational kepada RUPS, penerimaan/ Director of Finance & Operational to the General
seleksi beberapa Divison Head, dan masalah Meeting of Shareholders, acceptance/selection
outsourcing. several Head of Divisions and outsourcing issue.
2. Pemilihan Susunan Keanggotaan Komite Audit 2. The election of the composition of Audit Committee
dan Komite Pemantau Risiko serta remunerasi and Risk Monitoring Committee membership and
Dewan Pengawas Syariah. the remuneration for Sharia Supervisory Board.

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Rapat Komite Nominasi dan Remuneras (KNR) The Meeting of Nomination & Remuneration Committee
(RNC)
Selama tahun 2010 Komite Nominasi dan Remunerasi During 2010 the Remuneration and Nomination
(KNR) telah melakukan rapat koordinasi antar komite Committee (RCN) has conducted 2 (two) coordination
dan unit terkait sebanyak 2 (dua) kali. meetings between the committee and relevant unit.
4
3 1
2
5
3.1.3. Komite Pemantau Risiko (KPR) 3.1.3. Risk Monitoring Committee (RSC)
Komite Pemantau Risiko dibentuk berdasarkan Surat The Risk Monitoring Committee was formed based the
Keputusan Direksi Nomor 020/DIR/KTPS/III/2010 decree of Directors No. 020/DIR/KTPS/III/2010 dated 2
tanggal 2 Maret 2010 dan telah disampaikan kepada March 2010 and has been submitted to the Directorate
Direktorat Perbankan Syariah Bank Indonesia dengan of Sharia Banking Bank of Indonesia with the Board of
surat Dewan Komisaris Nomor 026/BMI/KOM/ III/2010 Commissioners letter No.026/BMI/KOM/III/2010 dated
tanggal 21 Maret 2010. 21 March 2010.
Komite ini diketuai oleh seorang Komisaris The Committee is led by an Independent Commissioners
Independen dengan 4 (empat) anggota. Susunan with 4 (four) members. The composition of the Risk
Komite Pemantau Risiko per 2 Maret 2010 adalah Monitoring Committee per 2 March 2010 is as follow:
sebagai berikut :
Nama Status Jabatan

1. Widigdo Sukarman Independent Commissioner Ketua/Chairman
2. Emirsyah Satar Independent Commissioner Anggota/Member
3. Sultan Mohammed Hasan Abdulrauf Commissioner Anggota/Member
4. Abdulla Saud Abdul Aziz Al Mulaifi Commissioner Anggota/Member
5. Subardiah Pihak Independen / Independent Parties Anggota/Member
Pemilihan dan seleksi atas calon anggota Komite The election and selection of the candidate member of
Pemantau Risiko dari Pihak Independen oleh Dewan the Risk Monitoring Committees from an Independent
Komisaris dilakukan sangat selektif dan benar-benar Party is selectively conducted by the Board of
harus memiliki kualifikasi kompetensi dan pengalaman Commissioners and request an adequate competency
yang sesuai dengan persyaratan yang tercantum and experience in accordance with the requirements
dalam ketentuan GCG. Berikut profil anggota Komite stated in GCG principle. Here are the profiles of the Risk
Pemantau Resiko (KPR) Bank Muamalat :

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Profil Anggota Komite Pemantau Risiko (KPR) Monitoring Committee members:

Profil Widigdo Sukarman, Emirsyah Satar, Abdulla Profile of Risk Monitoring Committee Members
Saud Abdul Aziz Al Mulaifi, dan Sultan Mohammed Profiles of Widigdo Sukarman, Emirsyah Satar, Abdulla
Hasan Abdulrauf dapat dilihat pada Profil Komisaris, Saud Abdul Aziz Al Mulaifi, and Sultan Mohammed Hasan
Bab 3 Hal 56. Abdulrauf are presented in the Profile Commissioners in
Chapter 3 page 56.
Subardiah – Warga Negara Indonesia, lahir di Subardiah – Indonesian citizen, was born in Pekanbaru on
Pekanbaru, 14 September 1953. Menjabat sebagai 14 September 1953. She has been serving as member
anggota Komite Pemantau Risiko Bank Muamalat of the Risk Monitoring Committee since 2 March 2010.
sejak 2 Maret 2010. Jabatan sebelumnya adalah Her previous position was the Deputy General Manager
Deputy General Manager Risk Management Division Risk Management Division at PT Bank Negara Indonesia
PT Bank Negara Indonesia Tbk. (1979-2009), anggota (1979-2009), the member of Risk Management Working
Risk Management Working Group Bank Indonesia Group Bank Indonesia (2004-2009). She obtained her
(2004-2009). Meraih Sarjana Ekonomi dari Universitas Bachelor’s Degree in Economics from the University of
Riau, Pekanbaru (1978), dan Magister Manajemen Riau (1978) and Master’s Degree from the Gadjah Mada
dari Universitas Gadjah Mada, Yogyakarta (1996). University, Yogyakarta (1966). The bearer or certificate
Pemegang sertifikat Manajemen Risiko Level 1,2, dan of Risk Management Level 1, 2, 3 from the Risk
3 dari Badan Sertifikasi Manajemen Risiko ini memiliki Management Certification Council is on her previous
pengalaman kerja sebagai pegawai PT Bank Negara years serving as employee in PT Bank Negara Indonesia
Indonesia 1946 dengan berbagai jabatan dan terakhir 1946 taking various positions and the last position was
sebagai Deputy General Manager Risk Management Deputy general Manager Risk Management Division
Division (1979 – 2009) dan sebagai anggota Risk (1979-2009) and as the member of Risk Management
Management Working Group Bank Indonesia (2004- Working Group Bank Indonesia (2004-2009).
2009).
Tugas dan Tanggung Jawab Komite Pemantau Risiko The Duties and Responsibilities of the Risk Monitoring
(KPR) Committee (RMC)
Adapun tugas dan tanggung jawab KPR sesuai In accordance with applied provisions, the duties and
dengan ketentuan yang berlaku, antara lain : responsibilities of RMC are:
1. Melakukan evaluasi atas kebijakan dan strategi 1. To evaluate risk management policy and strategy
manajemen risiko yang disusun Manajemen compiled the annual management.
secara tahunan.
2. Melakukan evaluasi terhadap laporan 2. To evaluate the Directors accountability report on
pertanggungjawaban Direksi atas pelaksanaan the implementation of risk management policy
kebijakan manajemen risiko.
3. Mengevaluasi langkah-langkah yang diambil oleh 3. To evaluate steps taken by the Directors to meet
Direksi dalam rangka memenuhi peraturan Bank the provisions of bank of Indonesia and other
Indonesia dan peraturan perundang-undangan applied regulating laws in order to implement the
lain yang berlaku dalam rangka pelaksanaan forethought principle especially the ones relating to
prinsip kehati-hatian, khususnya yang berkaitan risk management.
dengan manajemen risiko.
4. Melakukan evaluasi terhadap usulan Direksi yang 4. To evaluate the Director’s request regarding to
berkaitan dengan transaksi atau kegiatan usaha transaction or business activity which exceed
yang melampaui kewenangan Direksi untuk the Director’s authority to be utilize by the Board
dapat digunakan oleh Dewan Komisaris sebagai of Commissioners as the foundation in decision
dasar pengambilan keputusan. making.

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Laporan Kerja KPR RMC Performance Report

KPR telah menjalankan fungsinya sesuai dengan The RMC has delivered their function in accordance with
tugas dan tanggung jawabnya. Selama tahun 2010, their duties and responsibilities. During 2010 the RMC
KPR telah melaksanakan tugas-tugasnya, antara lain: performed their duties such as:
1. KPR telah melakukan rapat beberapa kali 1. The RMC conducted several meetings with
dengan Direksi yang terkait dengan penerapan Board of Directors regarding risk management
manajemen risiko dan dengan Divisi Manajemen implementation and with Risk Management Division
Risiko membahas mengenai Financing Authority discussing Financing Authority Limit Approval and
Limit Approval dan Usulannya serta meminta the Suggestion as well as ask for approval from the
persetujuan Dewan Komisaris. KPR juga akan Board of Commissioners. The RMC will also compile
membuat Proyeksi target per tahun sampai the yearly target projection until 2014 including per
dengan tahun 2014 termasuk komposisi per segment composition as well as financing analysis
segmen serta analisis pembiayaan mengenai on the collectibles implementation in accordance
penerapan kolektibilitas sesuai dengan regulasi with prevailing regulation and customer rating if any.
dan rating nasabah yang ada.
2. KPR bersama dengan Direksi telah membahas 2. The RMC, with Board of Directors, had discussed
mengenai Portfolio Analysis dan Approval of on the Analysis Portfolio and Approval of Financing
Financing Limit, dan akan membuat Portfolio Limit, and will compile Management Portfolio with
Management serta kajian industri. industry analysis.
3. KPR bersama Direksi dan Kepala Divisi Teknologi 3. The RMC, with Board of Directors and Head of
telah membahas tentang Information Technology Information Technology Division, has discussed
Risk Management Strategy dan IT Streering about IT Risk Management Strategy and IT Steering
Committee (ITSC) yang meliputi persiapan sistem Committee (ITSC) which includes the preparation
dan prosedur implementasi teknologi informasi, of system and procedure of information technology
organisasi & rencana sumber daya manusia implementation, organization and Bank Muamalat’s
teknologi informasi Bank Muamalat, keanggotaan information technology and human resources plan,
ITSC, mapping penempatan ATM dan cara ITSC membership, ATM location mapping and IT
penanggulangan apabila terjadi masalah IT. problems solution.
4. KPR bersama dengan Direksi membahas 4. the RMC with Board of Directors has discussed
mengenai pemenuhan ketentuan pelaksanaan about the compliance of GCG implementation
GCG khususnya tentang susunan keanggotaan especially regarding the RMC member composition
KPR.
Rapat Komite Pemantau Risiko The Meeting of Risk Monitoring Committee

Selama tahun 2010 KPR telah melakukan rapat During 2010 the RMS conducted 11 (eleven)
koordinasi antar komite dan unit terkait sebanyak 11 coordinating meetings between the committee and
(sebelas) kali. relevant unit.
Dilihat dari komposisi komite-komite dibawah Dewan As appeared in the composition of committees under the
Komisaris tersebut, sesuai dengan persyaratan Board of Commissioners, in accordance with provisions
sebagaimana diatur dalam ketentuan GCG yang stated in GCG regulation, it is realized that there are still
berlaku, disadari masih terdapat kekurangan yaitu short in majority number of Board of Commissioners’
mayoritas anggota Komisaris yang menjadi anggota members who are also members of the committee which
Komite harus merupakan Komisaris Independen dan strongly required to be Independent Commissioner and
jumlah Pihak Independen yang ditetapkan minimal 2 the determine number of independent party is minimum
(dua) orang. of 2 (two) people.

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Namun demikian, kekurangan dimaksud bukan However, the mentioned shortfall is not an obstacle
merupakan kendala bagi komite-komite yang ada for the committees to carry out their duty effectively.
untuk melaksanakan tugasnya secara efektif. Hal This is shown from the resolution of the conducted
ini tercermin dari hasil pertemuan dan rapat yang meetings and monitoring report as well as the submitted
telah dilaksanakan, laporan pemantauan, serta dari Commissioner’ monitoring. Nevertheless, all of these
pengawasan Komisaris yang disampaikan, namun should still be the focus and committment of the
tetap menjadi perhatian dan komitmen manajemen Management to adjust the applicable stipulation.
untuk segera menyesuaikan dengan ketentuan yang
berlaku.
3.2. Komite-Komite Eksekutif Direksi 3.2. Executive Committees Of The Directors

Bank Muamalat memiliki 6 (enam) Komite Eksekutif Bank Muamalat has 6 (six) Executive Committees that
berfungsi untuk membantu Direksi dalam menjalankan functions to assist Board of Directors in implementing
tugas dan tanggung jawabnya. Seluruh komite ini their duty and responsibilities. The entire committee is
dibentuk berdasarkan Surat Keputusan Direksi dan established based on the decree of Board of Directors
dikoordinir oleh masing-masing Kepala Divisi atau and coordinate by each Head of Division or relevant unit.
bidang terkait. Komite-komite tersebut adalah : The Committees are:
3.2.1. Komite Asset dan Liabilities (ALCO) 3.2.1. Asset and Liabilities Committee (ALCO)
Komite Asset dan Liabilities dibentuk atas dasar Surat The Asset and Liabilities Committee was established
Keputusan Direksi Nomor 122/DIR/KPTS/XI/2009 based on the decree of the Board of Directors No.122/
tanggal 30 November 2009. DIR/KTPS/XI/2009 dated 30 November 2009.
Struktur dan Keanggotaan Komite Asset dan Liabilities The structure and membership of the Asset and
Liabilities Committee is:
Ketua/Chairman : Direktur Utama/President Director

Wakil Ketua/Vice Chairman : 5 (lima) Direktur menurut bidangnya masing-masing/
5 (five) directors according to their own field
Sekretaris/Secretary : Kepala Divisi Treasuri (Head of Treasury Division)
Anggota/Members : 16 (enam belas) Kepala Divisi/16 (sixteen) Head of Division
Komite ini bertugas sesuai dengan Peraturan Bank The committee functions in accordance with the
Indonesia Nomor 11/25/PBI/2009 tentang perubahan Regulation of Bank Indonesia No.11/25/PBI/2009 on the
Peraturan Bank Indonesia Nomor 5/8/PBI/2003 adjustment of the Regulation of Bank Indonesia No.5/8/
mengenai Implementasi Manajemen Risiko bagi Bank PBI/2003 on the Implementation of Risk Management for
Umum serta Surat Edaran Bank Indonesia Nomor General Ganak as well as the letter from Bank Indonesia
5/21/DPNP tanggal 29 September 2003. No.5/21/DPNP dated 29 September 2003.

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Tugas dan Tanggung Jawab ALCO The Duties and Responsibilities of ALCO
Komite ini bertugas sesuai dengan Peraturan Bank The committee functions in accordance with the
Indonesia Nomor 11/25/PBI/2009 tentang perubahan Regulation of Bank Indonesia No.11/25/PBI/2009 on the
Peraturan Bank Indonesia Nomor 5/8/PBI/2003 adjustment of the Regulation of Bank Indonesia No.5/8/
mengenai Implementasi Manajemen Risiko bagi PBI/2003 on the Implementation of Risk Management for
Bank Umum serta Surat Edaran Bank Indonesia General Ganak as well as the letter from Bank Indonesia
Nomor 5/21/DPNP tanggal 29 September 2003, No.5/21/DPNP dated 29 September 2003 which is to
yaitu mengelola aset perusahaan dan manajemen administer the Company’s assets and the Company’s
likuiditas perusahaan, seperti penetapan kebijakan liquidity management, such as fund collecting and
penghimpunan dan penyaluran dana, memantau distribution policy, to monitor the bank liquidity level
tingkat likuiditas bank pada level yang optimal, optimally, foreign exchange management, nisbah
pengelolaan valuta asing, manajemen nisbah bagi revenue sharing management as well as investment and
hasil bank, serta investasi dan pendapatan bank. bank profit.
Laporan Kerja Komite Aset dan Liabilities (ALCO) ALCO Performance Report
ALCO telah melakukan rapat sebanyak 8 (delapan) kali Alco had conducted 8 (eight) meetings during 2010 with
selama tahun 2010 dengan agenda membahas hal- the agenda discussing matters relating to policy of Fund
hal yang berkaitan dengan Kebijakan Penghimpunan Collecting and Fund Distribution/Financing (including
dan Penyaluran Dana/Pembiayaan (termasuk pricing financing pricing/third party fund), inter-office account
pembiayaan/dana pihak ke tiga), Kebijakan Harga price policy, liquidity and Bank’s PDN.
Rekening Antar Kantor, Likuiditas dan Posisi Devisa
Neto (PDN) Bank.
3.2.2. Komite Pengarah Teknologi Informasi (ITSC) 3.2.2. Information Technology Steering Committee
(ITSC)
Komite Teknologi Informasi/Information Technology The Information Technology Steering Committee (ITSC)
Steering Committee (ITSC) dibentuk berdasarkan was established based on the decree of the Directors
Surat Keputusan Direksi Nomor 119/DIR/KPTS/ No. 119/DIR/LPTS/XI/2009 dated 30 November 2009.
XI/2009 tanggal 30 November 2009.
Struktur dan Keanggotaan Komite Teknologi Informasi The Structure and Membership of ITSC
(ITSC)
Pengawas dan Penasihat/ : Direktur Utama/President Director

Trustees and Advisors
Ketua/Chairman : Direktur Keuangan & Operasional/Director of Finance & Operations
Wakil Ketua/ : Direktur Bisnis Ritel/Director of Business Retail
Vice Chairman Direktur Institusi Keuangan & Bisnis Internasional/Director of Institutional Finance &
International Business
Direktur Bisnis Korporasi/Director of Business Corporation
Sekretaris/Secretary : Kepala Divisi Teknologi Informasi/Head Division of Information Technology
Anggota/Members : Seluruh Kepala Divisi dibawah pengawasan Direktur diatas/All Heads of Divisions
under the supervision of the Directors above

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Tugas dan Tanggung Jawab ITSC ITSC Duties and Responsibilities
Adapun tugas dan tanggung jawab ITSC adalah The duties and responsibilities of ITSC are:
sebagai berikut :
a. Meninjau secara berkala rencana strategis a. Periodically review the information technology
teknologi informasi untuk memastikan aspek strategic plan to ensure the compliance aspect has
kepatuhan sesuai dengan rencana bisnis dan been in accordance with the business plan and
ketentuan yang berlaku bagi perusahaan provisions applied for the company
b. Memprakarsai dan mengawasi sistem IT dan b. Initiate and supervise the IT system and IT
rencana pengembangan IT serta proyek bisnis development plan as well as main business project
utama
c. Mempertimbangkan setiap usulan c. Consider every suggestion of IT system development
pengembangan sistem IT dari aspek biaya from cost aspect, resource requirement, the benefit
yang dikeluarkan, kebutuhan sumber daya, and impact on the company
manfaatnya, dan dampak terhadap perusahaan.
d. Menetapkan prioritas dan memantau status d. Determine every priority and monitor status of
proyek startegis pengembangan sistem teknologi information technology system development
informasi guna menunjang bisnis perusahaan. strategic project in order to support the company
e. Mengawasi dan mengarahkan setiap aktifitas e. Monitor and direct every activity from sub-committee
dari sub-komite termasuk proyek dari komite including project from controlling committee
pengendali.
f. Memastikan ITSP (Information Technology f. Ensure that ITSP (Information Technology Strategic
Strategic Plan) Bank Muamalat dilaksanakan Plan) Bank Muamalat is conducted in accordance
sesuai dengan waktu yang telah ditetapkan with the determine period and every adjustment
dan segala perubahannya telah mendapat have been approved before the implementation
persetujuan sebelum diimplementasikan
g. Merumuskan dan menetapkan kebijakan- g. Formulate and determine IT policy
kebijakan IT
3.2.3. Komite Manajemen Risiko (KMR) 3.2.3. Risk Management Committee (RMC)
Komite Manajemen Risiko Bank Muamalat dibentuk The Risk Management Committee Bank Muamalat was
untuk meningkatkan efektivitas pelaksanaan tugas established to enhance the effectiveness of the Board
Direksi dalam mengelola risiko yang dihadapi oleh of Directors’ job implementation in risk management.
Perseroan. Tugas dan tanggung jawab Komite The duties and responsibilities of the Risk Management
Manajemen Risiko Bank Muamalat mengacu pada Committee Bank Muamalat refer to the provisions in the
ketentuan dalam Peraturan Bank Indonesia mengenai Regulation of Bank Indonesia on GCG and the provision
GCG dan Ketentuan Peraturan Bank Indonesia of the Implementation of Risk Management in Public
tentang Penerapan Manajemen Risiko pada Bank Bank
Umum.

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Struktur dan Keanggotaan Komite Manajemen Risiko The Structure and membership of the Risk Management
Berdasarkan Surat Keputusan Direksi Nomor 120/ Committee are in accordance with the decree of the
DIR/KPTS/XI/2009 tanggal 30 November 2009, berikut Directors No.120/DIR/KPTS/XI/2009 dated November
susunan keanggotaan KMR : 30th 2009, here is the composition of the RMC
membership:
Ketua/Chairman : Direktur Utama/President Director
Wakil Ketua/Vice Chairman : 5 (lima) Direktur menurut bidangnya masing-masing/
5 (five) directors according to their own field
Sekretaris/Secretary : Kepala Divisi Manajemen Risiko/Head Division of Risk Management
Wakil Sekretaris/Deputy : Kepala Divisi Kepatuhan/Head of Compliance Division
Secretary
Anggota/Members : 16 Kepala Divisi diluar dari kedua Divisi yang menjabat sebagai Sekretaris
dan Wakil Sekretaris/16 Head of Division of the second division who served as
Secretary and Deputy Secretary
Tugas dan Tanggung Jawab Komite Manajemen Duties and Responsibilities of Risk Management
Risiko (KMR) Committee (RMC)
Tugas dan tanggung jawab Komite Manajemen Risiko The dutes and responsibilities of the Risk Management
mengacu pada Peraturan Bank Indonesia Nomor Committee refer to the regulation of Bank Indonesia
11/25/PBI/2009 tentang perubahan atas Peraturan No.11/25/PBI/2009 on the adjustment on the
Bank Indonesia Nomor 5/8/PBI/2003 mengenai Regulation of Bank Indonesia No.5/8/PBI/2003 on the
Penerapan Manajemen Risiko bagi Bank Umum, yaitu: implementation of Risk Management for General Bank,
with the following details:
a. Melakukan pengkajian secara berkala dan a. Periodically conduct review and monitor the
pengawasan profil risiko perusahaan Company’s risk profile
b. Mengelola risiko perusahaan b. Manage the Company’s risk
c. Melakukan evaluasi atas kebijakan risiko c. Evaluate the company’s risk policy
perusahaan
d. Melakukan review, memberikan usulan dan d. Conduct review, give suggestion and approval on
persetujuan terhadap aspek pengendalian risk management aspect on investment or financing
resiko atas penerbitan produk penanaman atau product issue
penyaluran dana.
e. Melakukan pemantauan atas pengendalian e. Conduct monitoring on internal financing controlling
internal penyaluran pembiayaan.
f. Melakukan pemantauan risiko dalam kegiatan f. Conduct risk monitoring in other bank activities.
bank lainnya.
Laporan Kerja Komite Manajemen Risiko The Risk Management Committee Performance
Selama tahun 2010 komite ini telah mengadakan rapat During 2010 the committee had conducted 5 (five)
sebanyak 5 (lima) kali, belum termasuk rapat dengan meetings excluding meetings with the Risk Monitoring
Komite Pemantau Risiko, membahas mengenai hal- Committee, discussing matters such as Financing Risk
hal yang antara lain berkaitan dengan pembentukan Officer, Bank Muamalat Risk Profile and the report as well
Financing Risk Officer, profil risiko Bank Muamalat dan as the highest risk the Bank is facing and also monitoring
laporannya serta risiko tertinggi yang dihadapi bank

Annual Report
serta monitoring realisasi atas Financing Allocation realization on Financing Allocation Limit (which related
Limit (yang dikaitkan dengan existing eksposur, with existing exposure, allocation target and Internal
target alokasi dan tingkat Non-Performing Financing) Non-Performing Financing level of Bank Muamalat and
internal Bank Muamalat dan industri perbankan. Banking Industry.
3.2.4. Komite Pembiayaan 3.2.4. Financing Committee

Komite Kebijakan Pembiayaan bertugas untuk The Financing Policy Committee is responsible to make
memberikan keputusan terhadap pengajuan decision on every financing application in accordance
pembiayaan sesuai dengan batas wewenang dan/ with his authority limit and/ or type of financing decided
atau jenis pembiayaan yang ditetapkan Direksi. Rapat by the Directors. The meeting of this committee
Komite ini dilakukan setiap saat apabila ada usulan conducted any time a financing application comes up
pembiayaan yang limitnya merupakan wewenang with the financing limit is in the Directors authority
Direksi.
4. DIVISI CORPORATE SECRETARY 4. Corporate Secretary Division

Divisi Corporate Secretary memiliki falsafah The Corporate Secretary Division has the motto that
senantiasa memberikan yang terbaik untuk korporasi says we do the best for the company, take media as
(we do the best for the company), menjadikan partner (partner of mass media), care about the entire
media sebagai mitra (partner of mass media), peduli stakeholders (we take care of our stakeholders),
terhadap segenap stakeholders (we take care empowering information, and compliant with all
of our stakeholders), memberdayakan informasi corporate legal aspect. (we protect our company)
(empowerment of information), serta berupaya
memenuhi semua aspek legal korporasi (we protect
our corporate).
Divisi ini bertugas dan bertanggung jawab untuk The Corporate Secretary is in charge of and responsible
memastikan seluruh organ Bank Muamalat memahami to ensure that the entire organ of Bank Muamalat,
mematuhi segala perundang-undangan dan peraturan complies with all the Laws and regulations relevant
yang relevan dengan kegiatan usaha Bank Muamalat to Bank Muamalat business and stock exchange.
dan pasar modal. Dalam melaksanakan tugas dan In implementing their duties and responsibilities, the
tanggung jawabnya, divisi ini berfungsi sebagai : division functions as:
4.1. Hubungan Masyarakat 4.1.Public Relation

Sebagai salah satu alat komunikasi perusahaan, Divisi As one of the communication tools for the Company,
Corporate Secretary bertugas memberikan informasi the Corporate Secretary Division is in charge of giving
yang akurat kepada stakeholder yang berkaitan accurate information to stakeholders relating to investor
dengan hubungan investor (investor relations), relations, media relations, corporate publication,
hubungan media (media relations), publikasi internal relations, corporate protocol manager as well
perusahaan (corporate publication), hubungan as to support Good Corporate Governance (GCG) and
internal (internal relations), pengatur protokoler Corporate Social Responsibility (CSR) implementation.
perusahaan serta penunjang pelaksanaan Good
Corporate Governance (GCG) dan Tanggung Jawab
Sosial Perusahaan (Corporate Social Responsibility
atau CSR).

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173
Divisi Corporate Secretary memiliki spirit The Corporate Secretary Division has the spirit of
communication, reputation, dan secure (corsec) communication, reputation and secure (corsec) on how
bagaimana membangun komunikasi yang intensif to build intensive internal communication and create a
secara internal dan menciptakan pencitraan korporasi positive corporate image to stakeholders. In relation with
yang positif di mata stakeholders. Dalam berhubungan the community, the Division uses various communication
dengan masyarakat, Divisi ini menggunakan berbagai channels suitable with rational market focus to empower
saluran komunikasi yang sesuai dengan fokus rational business outlet in tier one city Jakarta.
market guna memberdayakan gerai bisnis di daerah
tier one city Jakarta.
Tujuannya adalah menciptakan komunikasi yang efektif The goal is to create an effective communication to
untuk membangun citra perusahaan. Selama tahun build the corporate image. During 2010, the Corporate
2010, Divisi Corporate Secretary telah mengutilisasi Secretary Division had utilized outdoor media—such as
media luar ruang–seperti billboard dan radio–, media billboard and radio—internet media—website and social
internet– website dan jejaring sosial–, dan media network—and other promotional media that suits with
promosi lainnya yang sesuai dengan target audience. the target audience. The manager of media relation is
Pengelola hubungan media ini adalah media relations media relations officer who is responsible for the news
officer yang bertanggung jawab pada pemberitaan which build the corporate image.
yang membangun citra perusahaan.
4.2. Hubungan Investor 4.2. Investor Relation

Dalam hubungan investor berfungsi membina In investor relation the division is in charge to maintain
hubungan baik stakeholder yang berhubungan a good relation with stakeholders relating to financial
dengan otoritas keuangan, antara lain Badan authority such as the Capital Market and Financial
Pengawas Pasar Modal dan Lembaga Keuangan Institutions Supervisor Agency (BAPEPAM-LK),
(BAPEPAM-LK), Bank Indonesia dan Bursa Efek Bank Indonesia and Indonesia Stock Exchange. In
Indonesia, serta para pemegang saham. Dalam implementing their duty, Investor Relation is also
menjalankan fungsinya, hubungan investor juga responsible on stock administration and dividend
bertanggung jawab terhadap administrasi saham dan payment.
pembayaran dividen.
4.3. Advokat Perusahaan 4.3. Corporate Advocate

Salah satu fungsi Divisi Corporate Secretary adalah One of the Corporate Secretary Division functions is to
menangani aspek legal yang berkaitan dengan bisnis handle legal aspect relevant to the Company’s business,
perusahaan yang bertanggung jawab terhadap responsible for the implementation of legal and regulation
implementasi aspek hukum dan regulasi berkenaan aspect relating to corporate action and Company’s
aksi korporasi dan bisnis, khususnya dalam hal business, especially in terms of legal contract, such as:
berkontrak terkait legalitas, antara lain :
a. menangani administrasi dan transaksi khusus a. handle administration and special transaction
b. menyelesaikan masalah fraud dan melakukan b. to settle fraud issues and conduct litigation
litigation,
c. melaksanakan evaluasi kebijakan dan prosedur c. conduct evaluation on policy and procedure related
(policy and procedure) terkat aspek legal. to legal aspect
d. memperhatikan masalah legal dan non perbankan d. focusing on legal and non-banking issues
yang menyangkut reputasi serta rasa aman bagi concerning reputation and security for the entire
segenap stakeholders, khususnya bagi nasabah stakeholders, especially for customers.

Annual Report
Untuk menjawab tantangan dan menunjang bisnis, To answer the challenge and to support the business,
bagian legal telah difasilitasi oleh legal officers the legal department is facilitated with legal officers
yang melakukan supervisi hukum ke segenap unit who conduct legal supervision to all business units
bisnis dan unit kerja. Selain itu untuk meningkatkan and working units. To enhance the legal officer’s
kemampuan para legal officer tersebut telah competency, moreover, a competency enhancement
dilakukan peningkatan kompetensi yang berkaitan has been conducted relating to financing and funding
dengan kontraktual pembiayaan dan pendanaan, contract, litigants in court , customer due diligence, as
berperkara di pengadilan, customer due diligence, well as the competency in giving legal opinion.
serta kemampuan dalam memberikan opini legal.
Profil Corporate Secretary The Profile of Corporate Secretary

Delyuzar Syamsi – Warga Negara Indonesia. Delyuzar Syamsi — Indonesian citizen. He was born
Lahir di Medan, 3 Juni 1964. Menjabat Seketaris in Medan on 3July 1964. He has been serving as
Perusahaan sejak 28 Oktober 2009 berdasarkan the Corporate Secretary since 28 October 2009, in
Surat Keputusan Direksi Nomor 103/DIR/KPTS/2009. accordance with the decree of the Board of Directors
Jabatan sebelumnya adalah Asisten Direksi Bank No.103/DUR/KPTS/2009. His previous position was the
Muamalat sejak 2006. Meraih Sarjana Ekonomi dari Assistant to Directors of Bank Muamalat since 2006.
Universitas Andalas, Padang (1990) dan Master of obtained his Bachelor’s Degree in Economics from
Business Administration dari Magister Manajemen Andalas University, Padang (1990), Master of Business
Fakultas Ekonomika dan Bisnis Universitas Gajah Administration from Magister Management program
Mada, Yogyakarta (2009). Pelatihan dan seminar of the Faculty of Economic and Business Gadjah
yang pernah diikuti antara lain Islamic Banking Mada University, Yogyakarta (2009). He also attended
and Finance Asia Conference (Singapore-2005) several training and seminars such as Regulation
Regulation and Supervision of Islamic Banks and Supervision of Islamic Banks (SEACEN-IRTI/IDB,
(SEACEN-IRTI/IDB, 2006), World Islamic Economic 2006), World Islamic Economic Forum (Pakistan, 2006),
Forum (Pakistan, 2006), Certified Property Training Certified Property Training (2007), International Weath
(2007), International Weath Management Conference Management Conference (2007), Chief Marketing
(2007), Chief Marketing Officer Training (2007), Officer Training (2007), Problem Solving and Decision
Problem Solving and Decision Making (2008), The Making (2008), The OECD-Bank Indonesia International
OECD-Bank Indonesia International Conference on Conference on Financial Education (2008), Powerful
Financial Education (2008), Powerful Negotiation Negotiation Skill (2009), Comprehensive professional
Skill (2009), Comprehensive Professional Selling Selling Skill Program (2009), Handling Customer
Skill Program (2009), Handling Customer Complaint Complaint (2009), Whistleblowing System from Strategic
(2009), Whistleblowing System from Strategic to to Operation (2010), Equity Analysis & Corporate Action
Operation (2010), Equity Analysis & Corporate Action for Corporate Secretary & Investor Relations (2010).
for Corporate Secretary & Investor Relations (2010).

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5. LAPORAN PENERAPAN TATA KELOLA 5. CORPORATE GOVERNANCE

PERUSAHAAN IMPLEMENTATION REPORT
5.1. Kesimpulan Umum Hasil Self Assessment 5.1. General Conclusion on GCG Implementation
Pelaksanaan GCG Self-Assessment Result
Untuk memantau pelaksanaan GCG di lingkungan To monitor the implementation of GCG in the Company’s
Perseroan, Bank Muamalat secara teratur dan environment, Bank Muamalat regularly and consistently
konsisten melakukan Self Assesment terhadap conducts Self Assessment on the GCG implementation
pelaksanaan Good Corporate Governance (GCG) once a year.
setiap satu tahun sekali.
Pada tahun 2010 hasil Perhitungan Nilai Komposit Self In 2010 the result on Composite Value Calculation on
Assessment Bank Muamalat menunjukan peringkat self assessment Bank Muamalat showed first grade with
pertama dengan predikat “Sangat Baik” atau “Sangat predicate “Excellent” or “In Accordance with Criteria or
Sesuai dengan Kriteria atau Indikator”, dengan nilai Indicator,” with the composite value of 1,4 (one point
komposit 1,4 (satu koma empat). four)
Hasil perhitungan Nilai Komposit tersebut secara rinci Composite Value calculation results in detail can be seen
dapat di lihat pada tabel Self Assessment di bawah. in the table under the Self Assessment.
Perhitungan Nilai Komposit Bagi Bank Umum Syariah/Compliance Value Calculation for Sharia Bank
Peringkat Bobot (%)
Nilai/Value
No. Faktor/Factor Rank Percentage Catatan*)/Note*)
(a x b)
(a) (b)
Pelaksanaan tugas Dekom telah melaksanakan tugas & tanggung
dan tanggung jawab jawabnya secara efektif dan efisien sesuai dengan
prinsip-prinsip GCG dan ketentuan perundang-
Dewan Komisaris. undangan yang berlaku.
Implementation BoC had efectively and efficiently done their duties
1 1 12,50 0,125
of duties and and responsibilities in conforming to the principles of
responsibilities GCG and applying laws and regulations
of Board of
Commissioners
Pelaksanaan tugas Direksi telah melaksanakan tugas & tanggung
dan tanggung jawab jawabnya secara efektif dan efisien sesuai dengan
prinsip-prinsip GCG dan ketentuan perundang-
Direksi. undangan yang berlaku .
Implementation BoD had efectively and efficiently done their duties
2 1 17,50 0,175
of duties and and responsibilities in conforming to the principles of
responsibilities of GCG and applying laws and regulations
Board of Directors
Kelengkapan dan Kelengkapan dan pelaksanaan tugas komite pada

pelaksanaan tugas umumnya telah dilaksanakan sesuai dengan prinsip-
prinsip GCG.
Komite. Completion and implementation of the Committees’
3 Completion and 2 10,00 0,200 duties had generally been done in conform to GCG
implementation principles
of duties of the
Commitees
Pelaksanaan tugas Pelaksanaan tugas dan tanggung jawab Dewan
dan tanggung jawab Pengawas Syariah telah dijalankan sesuai dengan
ketentuan yang berlaku, dan prinsip-prinsip syariah
Dewan Pengawas dan GCG.
Syariah. Sharia Supervisory Board had done their duties and
4 Implementation 1 10,00 0,100 responsibilities in conforming to applicable laws and
of duties and regulations, the principles of sharia and GCG
responsibilities of
Board of Sharia
Supervisory

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Perhitungan Nilai Komposit Bagi Bank Umum Syariah/Compliance Value Calculation for Sharia Bank
Peringkat Bobot (%)
Nilai/Value
No. Faktor/Factor Rank Percentage Catatan*)/Note*)
(a x b)
(a) (b)
Pelaksanaan prinsip Pelaksanaan prinsip syariah dalam kegiatan
syariah dalam kegiatan penghimpunan dana dan penyaluran dana serta
pelayanan jasa bank telah dijalankan sesuai dengan
penghimpunan dana ketentuan syariah dan prinsip-prinsip GCG.
dan penyaluran dana The implementation of sharia principle in fund
serta pelayanan jasa. collection, distribution and service had been done in
5 1 5,00 0,050 conforming to the sharia regulation and the principles
Implementation of
of GCG
sharia principles
in fund collection,
distribution, and
service
Bank mampu menghindari potensi terjadinya
Penanganan benturan benturan kepentingan melalui kebijakan intern yang
kepentingan. komprehensif dengan penanganan yg baik.
6 2 10,00 0,200 Bank Muamalat was able to avoid potential conflit of
Conflict of interest
settlement interest through comprehensive, internal policies with
good settlement
Penerapan fungsi kepatuhan bank telah dilaksanakan
Penerapan fungsi sesuai ketentuan yang berlaku dan berjalan dengan
kepatuhan Bank. efektif serta dilengkapi dengan pedoman, sistem dan
prosedur.
7 Implementation of 1 5,00 0,050 Implementation of Bank’s compliance function had
Bank’s compliance been effectively done in conforming to applying laws
functions and regulations, completed with guidelines, system,
and procedures
Pelaksanaan fungsi audit intern telah berjalan efektif
Penerapan fungsi audit dan sesuai dengan pedoman intern dan piagam
intern. audit intern yang berlaku.
8 2 5,00 0,100 Implementation of internal audit functions had
Implementation of
internal audit functions been effectively done and in conform to applying
guidelines and applying internal audit charter
Bank telah melakukan pemilihan/penunjukkan
Akuntan Publik & KAP dengan memenuhi ketentuan
yang berlaku dan prinsip-prinsip GCG. Akuntan
Publik dan KAP yang terpilih telah melakukan
Penerapan fungsi audit tugasnya secara independen dan menyampaikan
ekstern. laporannya sesuai perjanjian kerja yang ditetapkan.
9 1 5,00 0,050 Bank Muamalat had appointed Public Accountant &
Implementation of
external audit functions Public accountant Office by following the applying
regulations and GCG principles. Appointed Public
Accountant & Public Accountant Office had
independently done their tasks and submitting the
report based on applying contract
Bank Muamalat telah menerapkan prinsip kehati-
Batas Maksimum hatian dan manajemen risiko dalam memberikan
Penyaluran Dana. penyediaan dana kepada pihak terkait.
10 1 5,00 0,050 Bank Muamalat had implemented prudence principle
Fund distribution
maximum limit and risk management in providing fund to affiliated
parties
BMI telah memenuhi GCG terhadap transparansi
kondisi bank umum, transparansi produk dan
pengaduan nasabah sesuai dengan ketentuan
Transparansi kondisi yang berlaku dan prinsip-prinsip GCG. Laporan
keuangan dan non pelaksanaan GCG telah dibuat & disampaikan
keuangan. kepada BI sesuai ketentuan. Sistem Informasi
Manajemen terkait pelaporan internal cukup memadai
Laporan pelaksanaan dalam menyediakan informasi yang diperlukan dan
GCG. dibuat sesuai ketentuan yang berlaku.
11 Pelaporan internal. 2 15,00 0,300 Bank Muamalat had meet GCG principles toward
Financial and non- the transparency of general bank’s condition,
product transparency, and customers’ complaints
financial transparency. in conforming to the applicable regulations and the
Report on GCG principles of GCG. GCG implementation report had
implementation. been done and submitted to Bank of Indonesia in
Internal report conforming to the term. Management Information
System in relation with internal reporting sufficiently
provides the information needed and had been
configured in conforming to the applicable regulation
Nilai KompositNilai komposit 100,00 1. 1,400400
Predikat : Sangat Baik<1,5; Baik 1,5 ≤ 2,5; Cukup Baik 2,5 ≤ 3,5; Kurang Baik 3,5 ≤ 4,5; Tidak Baik ≤ 5,0
Predicate : Very Good<1,5; Good 1,5 ≤ 2,5; Moderate 2,5 ≤ 3,5; Bad 3,5 ≤ 4,5; Worse ≤ 5,0

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5.2. Pelaksanaan Prinsip Syariah Dalam Kegiatan 5.2. The Implementation of Sharia Principle in
Penghimpunan dan Penyaluran Dana, serta Fund Collecting and Distibution Activities and
Pelayanan Jasa Sevices
Bank Muamalat Indonesia telah beroperasi sesuai Bank Muamalat operates in accordance to sharia
dengan prinsip syariah dalam kegiatan penghimpunan principle in fund collecting and distribution and also
dan penyaluran dana serta pelayanan jasa selama services in 2010. The report has been approved by the
tahun 2010. Laporan ini telah disetujui oleh DPS Sharia Supervisory Board and submitted to Directorate
dan sudah dilaporkan kepada Direktorat Perbankan Sharia Banking of Bank Indonesia. The monitoring and
Syariah Bank Indonesia. Pengawasan dan kegiatan the conducted activities are as described below:
yang dilakukan antara lain sebagai berikut:
1. Pengawasan Terhadap Proses Pengembangan Produk Bank /

Monitoring on Bank Product Development Process
No Proses Pengembangan Produk/ Product Development Process
1 Tabungan iB Haji Arafah / Hajj Arafah Saving
2 Tabungan iB Haji Arafah Plus / Hajj Arafah Plus Saving
3 Tabunganku iB / My Saving
4 Tabungan iB Muamalat / Muamalat Saving
5 Tabungan iB Muamalat Pos / Post Muamalat Saving
6 Tabungan Muamalat Sahabat / Sahabat Muamalat Saving
7 Pembiayaan iB Dana Talangan Porsi Haji (Lapor Haji) / Hajj portion Backup Funding (Hajj registering)
8 Pembiayaan iB Channeling Multifinance Muamalat / Muamalat Multifinance Channeling Funding
9 Pembiayaan iB Hunian Syariah Muamalat Kongsi / Joint Muamalat Sharia Housing Funding
10 Pembiayaan iB Hunian Syariah Muamalat Pembelian / Funding for purchasing Muamalat Sharia Housing
2. Pengawasan Terhadap Kegiatan Bank / Monitoring of Bank Activities

t Pengawasan Terhadap Penghimpunan Dana / Monitoring of Fund Collecting
Penghimpunan Dana/ Fund Collecting
No
Tabungan Muamalat / Muamalat Saving Giro / Current Accounts Deposito / Deposit
Giro Wadiah / Deposito Individual Mudharabah /
1 Tabungan Ummat / Ummat Saving
Individual Wadiah Individual Mudharabah
Giro Wadiah Korporasi / Deposito Mudharabah Korporasi /
2 Tabungan iB Haji Arafah / Arafah Hajj Saving
Wadiah Corporate Corporate Mudharabah
Tabungan iB Haji Arafah Plus / Arafah Plus
3 Deposito Fulinves / Fulinves
Hajj Saving
4 TabunganKu iB / My Saving
Tabungan Shar-e / Tabungan iB Muamalat /
5
Shar-e Saving / Muamalat Saving
Tabungan iB Muamalat Pos / Post Muamalat
6
Saving
Tabungan iB Muamalat Sahabat / Sahabat
7
Muamalat Saving

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Penghimpunan Dana Kerjasama Asuransi, POS dan Obligasi/

No
Cooperation Fund Raising Insurance, POS and Bonds
1 FulProtek
2 Syariah Mega Covers
3 Ta'wun Card
5 Fitrah Card
4 Kerjasama Kantor Pos / Post Office Collaboration
5 Surat Berharga yang dikeluarkan-Obligasi Syariah Subordinasi / Bonds issued by Subordinate Sharia Bonds
t Pengawasan Terhadap Penyaluran Dana / Monitoring on fund distribution

No Penyaluran Dana/Fund Distribution
Akad Jual Beli / Transactional Akad Bagi Hasil / Profit-
1 Akad Sewa/ Lainnya / Other lease/transaction
contract sharing Contract
2 Murabahah Mudharabah Ijarah
3 Istishna' Musyarakah Ijarah Muntahiyah bit Tamlik
4 Salam Musyarakah Mutanaqisah Hawalah
Kafalah
Wakalah
Al–Qardh
3. Melakukan Uji Petik (Sampling) dan Memeriksa 3. conduct sampling and Observe the transaction
Dokumen Transaksi untuk Kategori Pemenuhan document for sharia principle compliance for as
Prinsip Syariah sebanyak 7 (tujuh) nasabah. many as 7 (seven) customers
4. Inspeksi, pengamatan, permintaan keterangan 4. Inspection, observation, interrogation,

dan/atau konfirmasi kepada pegawai bank questioning and/or confirming to bank
dan nasabah pada Kantor Cabang Semarang, employee and customer in Semarang,
Surabaya Darmo dan Medan. Surabaya Darmo and Medan branch offices.
5. Evaluasi Panduan dan Standar Operasional 5. Evaluate the Manual and Operational Standard
Prosedur (SOP) sebanyak 21 SOP antara lain : Procedure (SOP), as many as 12 SOPs which are:
a. Evaluasi Standar Operasional Prosedur a. Evaluate SOP service
(SOP) LAYANAN
b. Evaluasi Panduan Produk KPRS ”BAITI b. Evaluate special manual of housing financing
JANNATI” product “BAITI JANNATI’
c. Evaluasi Tinjauan Aspek Syariah Rencana c. Evaluate the review of sharia aspect in KSO POS
Bisnis KSO POS business plan
d. Evaluasi Panduan Produk Tabungan iB d. Evaluate the manual IB Muamalat and Kas Kilat
Muamalat dan Kas Kilat product
e. Evaluasi Pedoman Operasi Tabungan e. Evaluate the operational manual of Muamalat
Muamalat savings

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f. Evaluasi Panduan Produk Pembiayaan f. Evaluate the manual of Umra financing product and
Umroh dan Tabungan Rencana Evaluasi evaluating plan savings
g. Review Panduan Produk Tabungan BMI g. Review the manual of BMI Remittance saving
Remittance product
h. Endorsement Produk Pembiayaan iB h. Endorsement in financing IB Bersama product,
Bersama, Channeling Multifinance. Channeling Multifinance
6. Pendapat Syariah atas Penghimpunan dan 6. Sharia opinion on the fund collecting and distribution
Penyaluran Dana dan Pelayanan Jasa, and service, according to the result of BSS meeting
berdasarkan hasil Rapat DPS selama 6 bulan there has been 25 opinion in the last 6 months
terakhir sebanyak 25 (duapuluhlima) pendapat.
7. Pemberian Opini Syariah kepada Unit Bisnis, 7. There has been 81 sharia opinions given to business
sebanyak 81 opini, antara lain: units such as:
a. Pembiayaan Sindikasi a. Syndicated financing
b. Sponsorsip Pembuatan Film b. Movie making sponsorship
c. Reward Nasabah c. Customer reward
d. Sumbangan untuk kegiatan sosial nasabah d. Donation for customer’s charity
e. Succes Fee untuk Funding Agency e. Success Fee for Funding Agency
f. Produk Trade Finance f. Trade Finance product
g. Objek Pembiayaan Hunian Syariah Yang g. Sharia Housing Financing object suffered from
Terkena Bencana Gempa. earthquake disaster
Semua kegiatan pengawasan yang dilakukan di atas, All the monitoring activity mentioned above, is
dilengkapi dengan kertas kerja pengawasan yang completed with monitoring worksheet made by Sharia
dibuat oleh Syariah Compliance Officer dan disetujui Compliance Office and approved by BSS and also has
oleh DPS, serta telah disampaikan pula kepada Bank been submitted to Bank Indonesia
Indonesia.
5.3. Pelaksanaan Audit Internal & Audit Eksternal 5.3. Implementation of Internal Audit & External
Audit
5.3.1. Pelaksanaan Audit Internal 5.3.1. Internal Audit Implementation
Bank Muamalat memiliki Sistem Pengendalian Intern Bank Muamalat use Internal Control System (ICS/SPI)
(SPI) dalam menjalankan mekanisme pengawasan in implementing monitoring mechanism conducted
yang dilakukan oleh berbagai lini perusahaan. Dalam by various company lines. The SPI consists of a clear
SPI telah terkandung sistem dan prosedur yang system and procedure and has been set by the Directors
jelas serta telah ditetapkan oleh Direksi dan Dewan and Board of Commissioners. While the monitoring and
Komisaris. Sedangkan pengawasan dan evaluasi evaluation of this SPI implementation is conducted
terhadap pelaksanaan SPI ini dilakukan oleh Divisi by internal audit division, Compliance Division, Risk
Audit Internal, Divisi Kepatuhan, Divisi Manajemen Management Division and Bank Management
Risiko, dan Manajemen Bank.

Annual Report
Divisi Audit Internal Internal Audit Division

Bank Muamalat melakukan pengawasan Bank Muamalat conducted routine continuous
berkesinambungan dengan rutin, efektif dan sesuai monitoring effectively and complied with the audit plan
dengan rencana audit (audit plan) yang telah disetujui which has been approved by the President Director.
oleh Direktur Utama.
Pelaksanaan fungsi audit intern selama ini dilakukan The implementation of internal audit function is
oleh Divisi Audit Internal yang merupakan satuan performed by Internal Audit Division (IAD) which covers
kerja audit intern berbentuk divisi yang independen all aspects and elements of bank activity continuously.
terhadap satuan kerja operasional dalam struktur The implementation is done based on audit plan which
organisasi Bank Muamalat yang secara langsung has been compiled and approved by the President
bertanggung jawab kepada Direktur Utama. Director and done routinely and effectively
Sumber Daya Manusia di Divisi Audit Internal Human Resources of Internal Audit Division
Pada tahun 2010, Divisi Audit Internal memiliki 8 As of 31 December 2010, Internal Audit Division
orang pejabat, termasuk Kepala Satuan Kerja dan 72 consisted of 8 officials including Head of work unit and
orang staf yang terdiri dari 3 orang staf dan 69 orang 65 staffs, consists of 3 staff and 62 Resident Auditor
staf Resident Auditor yang ditempatkan di beberapa staff positioned in several branch offices.
kantor cabang.
Divisi Audit Internal dipimpin oleh seorang Kepala Internal Audit Division is led by a Head of Division which
Divisi yang bertugas mengawasi pelaksanaan tugas in charge to monitor the Internal Audit Division tasks
dan bertanggung jawab langsung kepada Direktur implementation and directly responsible to the President
Utama Bank Muamalat. Kepala Divisi Audit Internal Director of Ban Muamalat. The Head of Internal Audit
pada tahun 2011 dijabat oleh Kalamuddinsjah. Division for 2011 is Kalamuddinsjah,
Profil Kepala Divisi Audit Internal Profile of Head of Internal Audit Division
Kalamudinsjah – Warga Negara Indonesia, lahir di Kalamudinsjah — Indonesian citizen, he was born in
Meulaboh, 12 Februari 1963. Beliau menjabat Kepala Meaulaboh, 12 February 1963. He has been serving
Divisi Audit Internal Bank Muamalat berdasarkan SK as the Head of Internal Bank Muamalat Indonesia Audit
Nomor 063/DIR/KPTS/IX/2010 tanggal 7 September Division based on SK No.063/DIR/KPTS/IX/2010 dated
2010. Sebelumnya menjabat sebagai Kepala Divisi 7 September. He previously served as Head of Financial
Keuangan dan Akuntansi pada perusahaan yang and Accounting Division in the same company. He joined
sama. Bergabung dengan Bank Muamalat sejak Juni Bank Muamalat in June 1995 as Auditor in Financing
1995 sebagai Auditor Bidang Pembiayaan, Urusan division, monitoring, Non-Operasional Head Office
Pengawasan, Kantor Pusat Non Operasional, Jakarta. Jakarta. He obtained his Bachelor degree in Economy
Memperoleh Sarjana Ekonomi, Jurusan Akuntansi dari majoring in accounting from Syiah Kuala University,
Universitas Syiah Kuala, Darussalam, Banda Aceh Darussalam, Banda Aceh, NAD (1986).
(1986).
Tugas dan Tanggung Jawab Divisi Audit Internal Duties and Responsibilities of Internal Audit Division
Tugas dan tanggung jawab Divisi Audit Internal The duties and responsibilities of Internal Audit Division
dicantumkan dalam Piagam Audit Internal dan sesuai are stated in Internal Audit Chart and comply with the
dengan Anggaran Dasar Bank Muamalat. Articles of Association Bank Muamalat

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181
Adapun tugas dan tanggung jawab Divisi Audit The duty and responsibility of Internal Audit Division are
Internal, sebagai berikut : as follows:
a. Melakukan pemeriksaan semua bidang kegiatan a. To conduct evaluation in all activity unit periodically
secara berkala berdasarkan skala prioritas dan based on priority scale and risk level
tingkat risiko
b. Pemeriksaan dilakukan berdasarkan rencana b. The evaluation is conducted based on audit plan
audit yang telah disusun dan disetujui oleh which has been compiled and approved by the
Direktur Utama President Director
c. Melaksanakan audit dengan mengacu pedoman c. Conduct audit by referring to applied manual such
yang berlaku umum, seperti SPFAIB, Buku as SPFAIB, the Audit Manual of Bank Muamalat
Pedoman Audit Bank Muamalat
d. Melaksanakan pemeriksaan secara rutin per d. Conduct routine evaluation per day in each branch.
hari pada masing-masing cabang. Pemeriksaan The evaluation is done by Resident Auditor which
ini dilakukan oleh Resident Auditor yang telah has been placed in each branch office
ditempatkan di masing-masing cabang
e. Bekerja sama dengan Divisi Kepatuhan dalam e. Cooperating with Compliance Division a Sharia
hal pemeriksaan kepatuhan terhadap aturan dan Compliance Department to conduct evaluation on
perundang-undangan yang berlaku, termasuk sharia aspect.
pemenuhan aspek syariah
f. Membuat Laporan Hasil Audit dan melaporkannya f. Compile Audit Result Report and submit it to the
kepada Direktur Utama dan Komite Audit President Director and Audit Committee
g. Mengadakan pertemuan dengan Komite Audit g. Hold a meeting with Audit Committee to evaluate
untuk mengevaluasi hasil temuan audit audit findings
h. Mengawasi pelaksanaan tindak lanjut pihak yang h. Supervise the follow-up by unit(s) being audited
diaudit
Laporan Pelaksanaan Audit Internal Internal Audit Implementation Report

Selama tahun 2010, Divisi Audit Internal telah During 2010, the Internal Audit Division had conduct
melakukan pemeriksaan umum di 47 kantor, general evaluation in 43 offices, special evaluation in 5
pemeriksaan khusus di 5 kantor, dan pemeriksaan offices and sharia aspect evaluation in 4 offices.
khusus aspek syariah di 4 kantor.
Pelaksanaan tugas ini telah melebihi rencana awal The implementation of this task has exceeded initial plan
yang menargetkan melakukan pemeriksaan pada 45 which targeted to evaluate 45 business unit or branch
unit bisnis atau kantor cabang, termasuk 13 kantor office including 13 large branch offices.
cabang besar.
No. Jenis Pemeriksaan/Examination Rencana/Plans Realisasi/Realization

1. Pemeriksaan Umum 45 Kantor/Offices 47 Kantor/Offices
2. Pemeriksaan Khusus - 5 Kantor/Offices
3. Pemeriksaan Khusus Aspek Syariah - 4 Kantor/Offices

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Dalam menjalankan tugasnya selalu mengacu kepada In conducting their tasks the IAD always refers to
pedoman yang berlaku seperti SPFAIB (Standar applicable manual such as SPFAIB (Standard of Internal
Pelaksanaan Fungsi Audit Intern Bank Umum), Buku Audit Implementation for General Bank), Audit Manual
Pedoman Audit Bank Muamalat, serta dilakukan atas for Bank Muamalat, conducted as audit plan which has
dasar rencana audit yang disusun sebelumnya dan been composed before and stated in Audit Plan IAG.
yang tertuang dalam Audit Plan.
Divisi Audit Internal telah melakukan pemeriksaan In the implantation, IAD has conducted evaluation on
semua bidang kegiatan secara berkala berdasarkan every activity area periodically and based on priority
prioritas serta tingkat risiko yang dihadapi. scale and risk level. While for regular evaluation or daily
Pengecekan dilakukan secara regular setiap hari oleh basis is conducted by Resident Auditor (RA) placed
Resident Auditor (RA) yang ditempatkan di masing- in each branch. For sharia aspect evaluation, IAD
masing cabang. Untuk pemeriksaan khusus aspek cooperates with Compliance Division and in this case,
syariah, bekerja sama dengan Divisi Kepatuhan. Sharia Compliance Department
Dari hasil temuan/pemeriksaan dibuat Laporan Hasil The IAD founding/evaluation result are compiled into a
Audit dan hasilnya wajib ditindaklanjuti oleh auditee Audit Result Report and ought to be follow-up by auditee
dan pemenuhan perbaikannya selalu dimonitor. and supervised by IAD on the improvement request. All
Selama ini semua temuan telah ditindaklanjuti oleh this times all the result had been followed-up by the
auditee. auditee.
Sesuai dengan ketentuan dan peraturan GCG yang In accordance with the applied provisions and regulation
berlaku disebutkan bahwa tugas Komite Audit terkait GCG it is described that the duty from Audit Committee
dengan Divisi Audit Internal antara lain adalah : in relating with Internal Audit Committee are:
a). Menindaklanjuti hasil temuan audit internal a. Follow-up Internal Audit Divisions findings in
sesuai dengan kebijakan atau pengarahan yang accordance with the policy or instructions by the
diberikan oleh Dewan Komisaris Board of Commissioners
b). Mengevaluasi hasil temuan pemeriksaan audit b. Evaluate IAD founding
internal
c). Meminta Direksi untuk menindaklanjuti hasil c. Ask the Directors to follow-up the IAD findings
temuan pemeriksaan
d). Memberikan persetujuan tentang pengangkatan d. Give approval on appointment and dismissal of
dan pemberhentian Kepala Divisi Audit Internal Group Head IAD by the Directors and report to
oleh Direksi dan dilaporkan kepada Bank Bank Indonesia
Indonesia
e). Mengevaluasi Internal Audit Charter, menanggapi e. Review Internal Audit Charter, respond to Internal
rencana Audit Internal, berbagai masalah yang audit plan and other issues found by IAD as well
ditemukan, serta menentukan pemeriksaan as to assign special evaluation by IAD if there were
khusus oleh Divisi Audit Internal, apabila terdapat alleged fraud, violation against the law and other
dugaan terjadinya kecurangan, penyimpangan applied regulation;
terhadap hukum dan peraturan yang berlaku
f). Mengambil langkah-langkah yang diperlukan f. Take needed step if auditee does not do any follow-
dalam hal auditee tidak menindaklanjuti laporan up on IAD reports
audit

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183
g). Memastikan bahwa Manajemen menjamin Auditor g. Ensure that the management guarantee that
Eksternal dan Auditor Internal dapat bekerja External Auditor and Internal Auditor can conduct
sesuai dengan Standar Audit yang berlaku their duty in accordance with the applied Audit
Standard
h). Berdasarkan evaluasi terhadap dokumen dan h. According to the evaluation on documents and
risalah rapat Komite Audit selama tahun 2010, treatise of the Audit Committee meeting during
maka diketahui hal-hal yang telah dilaksanakan 2010, together with IAD the Audit Committee has
secara bersama antara lain : conduct events as follows:
t Komite Audit telah melakukan beberapa t Audit Committee has done several meetings
kali pertemuan dengan Divisi Audit Internal, with Internal Audit Dvision/SKAI, discussed the
membahas hasil temuan pemeriksaan yang findings resulted from the evaluation conducted
dilakukan terhadap 47 kantor cabang serta on 47 bank’s branch offices by the IAD as well
tindaklanjutnya. Selain itu Divisi Audit Internal as the follow-ups. IAD also report to Audit
juga menyampaikan hasil pemeriksaan Committee about the results from special
khusus terhadap beberapa kantor cabang evaluation on several branch offices when alleged
yang terindikasi fraud. Selanjutnya Komite fraud occurred. On all this, the Audit Committee
Audit menyampaikan hasil evaluasinya has submitted the evaluation result to Board of
kepada Dewan Komisaris. Commissioners.
t Komite Audit meminta Divisi Audit Internal t Audit Committee suggests IAD to use Audit
agar sebaiknya memiliki Audit Software Software Monitoring System to monitor the
Monitoring System untuk memonitor follow-ups all the findings from Bank Indonesia,
tindaklanjut seluruh temuan Bank Indonesia, Public Accountant Office, audit issue from
Kantor Akuntan Publik, audit issue audit IAD and founding from Resident Auditor. While
internal, serta temuan Resident Auditor. waiting for the software which can be purchased
Sebelum software tersebut tersedia, maka or developed it is suggested the IAD manually do
pelaksanaannya dilakukan secara manual the monitoring so the Audit Committee can use
untuk digunakan Kantor Akuntan Publik the result when conducting evaluation in the end
ketika melakukan pemeriksaan pada akhir of 2010.
tahun 2010. t The Audit Committee has evaluated the IAD
t Komite Audit telah melakukan evaluasi audit plan for 2011. IAD also submitted Report
terhadap rencana kerja pemeriksaan tahun on the result of Quarterly Audit which after being
2011. Selanjutnya Divisi Audit Internal evaluated the report will be submitted to the
menyerahkan Laporan Pokok Hasil Audit Commissioner which will be forwarded to Bank
Semesteran yang telah dievaluasi kepada Indonesia.
Komite Audit dan Bank Indonesia.
Sistem Pengendalian Intern (SPI) Internal Control System

Sistem Pengendalian Intern (SPI) di Bank Muamalat The Internal Control System of Bank Muamalat is
dilaksanakan melalui sistem dan prosedur yang implemented through clear system and procedure and
jelas dan ditetapkan oleh Direksi serta Dewan approved by the Directors and Board of Commissioners.
Komisaris. Mekanisme pengawasan yang dilakukan The mechanism of controlling which conducted by

Annual Report
berbagai lini dari jabatan manajemen tertinggi hingga various lines from the highest level of management to the
jabatan terendah merupakan hal yang rutin dan lowest level of management is a routine and continuous
berkesinambungan. Dengan adanya pembagian matter. With the firm division of function, tasks, and
fungsi, tugas, dan wewenang yang jelas, maka authority, it is expected that the internal control system
sistem pengendalian intern ini diharapkan berjalan can run as it meant to.
sebagaimana mestinya.
Secara umum pengawasan dan evaluasi terhadap Generally the monitoring and evaluation on Internal
pelaksanaan SPI dilakukan oleh Divisi Audit Internal, Control System is conducted by Internal Audit Division,
Divisi Kepatuhan, Divisi Manajemen Risiko, serta Compliance Division, Risk Management Division and
Manajemen Bank. Bank Management.
Rencana Audit 2011 Audit Plan 2011

Divisi Audit Internal telah menyusun rencana IAD has arranged their audit plan to support the
pemeriksaan untuk mendukung fungsi pengawasan monitoring function in the company management.
dalam pengelolaan perusahaan.
Jumlah personalia yang ada sampai akhir Desember The number of personnel in IAD as per December
2010 meliputi 8 orang Officer (termasuk kepala divisi), 2010 was 8 officers (including Head of IAD) and 65
dan 72 orang staf yang terdiri dari 3 orang staf dan staffs consists of 3 IAD staff and 62 Resident Auditors
69 orang Resident Auditor yang berkedudukan di positioned in several branch offices.
beberapa kantor cabang.
Dalam rangka meningkatkan efektivitas dan In order to increase the effectiveness and to meet the
memenuhi lingkup pemeriksaan di kantor cabang scope of audit in branch office in 2010, IAD will add more
pada tahun 2011, maka akan dilakukan penambahan Resident Auditor from 62 person to 93 person while for
resident auditor menjadi 89 orang. Sedangkan untuk the officer from 8 person will be add to 11 person.
officer menjadi 11 orang.
Dalam rencana tahun 2011 akan dilakukan For the 2011 plan, IAD will conduct audit on several
pemeriksaan terhadap beberapa divisi di Kantor divisions in head office non-operational and 17 full
Pusat Non Operasional (KPNO), 17 kantor cabang branch offices, 1 overseas branch (Kuala Lumpur) and
besar, kantor cabang Kuala Lumpur, serta 32 kantor 32 focus branch offices.
cabang lainnya.
5.3.2. Pelaksanaan Audit Eksternal 5.3.2. External Audit

Untuk memenuhi prinsip transparansi dan akuntabilitas To perform transparency and accountability into principle
pelaksanaan tata kelola perusahaan dengan baik, of good governance implementation, Bank Muamalat
Bank Muamalat selalu mengadakan pemeriksaan conducts financial audit periodically. Besides the Internal
keuangan secara berkala. Selain Divisi Audit Internal, Audit Division, Bank Muamalat also appointed a public
Bank Muamalat juga menunjuk Kantor Akuntan Publik accountant office to conduct external audit.
untuk melaksanakan audit secara independen.

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185
Penunjukan Kantor Akuntan Publik (KAP) Appointment of Public Accountant Office

Dalam melakukan penunjukan KAP, Bank Muamalat Based on applied regulations, in appointing External
melakukan seleksi sesuai dengan persyaratan, Auditor, Bank Muamalat conduct selection process
ketentuan, dan charter yang berlaku, serta in accordance with applied requirements/provisions/
persyaratan internal Perseroan. charter and also Bank Muamalat internal requirements.
Aspek-aspek yang harus dipenuhi oleh Akuntan The requirements that need to be fulfilled by public
Publik dan KAP antara lain : accountant and public accountant office are:
a. Memiliki kerjasama internasional dan termasuk a. Public accountant capacity or public accountant
dalam kategori 4 besar di Indonesia has to have International cooperation and has to be
in the category of big 4 (four) in Indonesia
b. Adanya perjanjian kerja yang sah b. Establish a legitimate agreement
c. Ruang lingkup audit sesuai dengan persyaratan c. Public Accountant or Public Accountant Office
yang telah ditetapkan oleh Bank Indonesia dalam determine the audit scope as required by Bank
Peraturan Bank Indonesia Nomor 3/22/PBI/2001 Indonesia through PBI No.3/22/PBI/2001 dated
tanggal 13 Desember 2001 tentang Transparansi 13 December 2001, about Transparency on Bank
Kondisi Keuangan Bank sebagaimana diubah Financial Condition as adjusted with PBI No.7/50/
dengan Peraturan Bank Indonesia Nomor 7/50/ PBI/2005 dated 29 November 2005 and Letter
PBI/2005 tanggal 29 November 2005 dan Surat from Bank Indonesia No.7/57/DPbS dated 22
Edaran Bank Indonesia Nomor 7/57/DPbS December 2005, about Transparency on Bank
tanggal 22 Desember 2005 tentang Transparansi Financial Condition
Kondisi Keuangan Bank
d. Pelaksanaan audit harus sesuai dengan d. The audit performance has to comply with
ketentuan standar audit yang ditetapkan oleh the provisions of the audit standard set by
Ikatan Akuntan Indonesia, serta memenuhi aspek Indonesian Accountant Association as well as
komunikasi Bank Indonesia dengan Kantor the communication Bank Indonesia with Public
Akuntan Publik sesuai Peraturan Bank Indonesia Accountant Office in accordance with the regulation
of Bank Indonesia.
Kantor Akuntan Publik Terpilih Appointed Public Accountant Office

Sesuai dengan hasil RUPS tanggal 28 Juni 2010 In accordance with the resolution of the General Meeting
dalam akta Notaris Arry Supratno, S.H Nomor 268, of Shareholders on 28 June 2010 legalized by Notary
RUPS telah memberikan mandat kepada Komisaris Arry Supratno SH in certificate number 44, that the GMS
untuk memilih KAP yang akan mengaudit Laporan has mandated the Commissioners to appoint a public
Keuangan Bank Muamalat. accountant to audit Bank Muamalat Financial Report
Setelah memperoleh rekomendasi dari Komite Audit, After recommended by the Audit Committee, the
Dewan Komisaris telah memutuskan, menunjuk Board of Commissioners decided to appoint Oesman,
KAP Oesman, Bing, Satrio & Rekan (Deloitte), Bing, Satrio & Partners (Deloitte) and based on letter
dan selanjutnya sesuai dengan surat direksi Bank of the BMI Directors No.1178/BMI/DIR/XI/2010 dated
Muamalat Nomor 1178/BMI/DIR/XI/2010 tanggal 15 15 November 2010, stated that BMI has appointed
November 2010 menegaskan bahwa Bank Muamalat Oesman, Bing, Satrio & Partners (Deloitte) Public
telah menunjuk KAP Oesman, Bing, Satrio & Rekan Accountant Office to audit Bank Muamalat financial
(Deloitte) untuk melakukan audit kondisi keuangan condition for fiscal year 2010.
Bank Muamalat tahun buku 2010.

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Dengan adanya penunjukan tersebut, maka KAP With this appointment; Oesman, Bing, Satrio & Partners
Oesman, Bing, Satrio & Rekan (Deloitte) tercatat telah (Deloitte) Public Accountant Office is noted to have
mengaudit Bank Muamalat untuk 2 periode tahun audited Bank Muamalat for 2 Company fiscal year
buku Perseroan.
Penunjukan KAP ini telah sesuai dengan prosedur The appointment of Public Accountant Office complied
dan ketentuan yang berlaku. Kedua belah pihak with generally applied procedures and provisions as well
(Bank Muamalat dan Kantor Akuntan Publik Oesman, as internal provisions of Bank Muamalat. In addition,
Bing, Satrio & Rekan (Deloitte)) telah menyepakati both parties (Bank Muamalat and Oesman, Bing, Satrio
nilai kerjasama dalam nilai yang wajar sesuai dengan & Partners (Deloitte)) has agreed to refer to market price.
harga pasar.
5.4. Pelaksanaan Fungsi Kepatuhan 5.4.Implementation of Compliance Function

Pelaksanaan Fungsi Kepatuhan sesuai dengan The implementation of Compliance function is in
Peraturan Bank Indonesia Nomor 1/6/PBI/1999 accordance with the Regulation of Bank Indonesia
tanggal 20 September 1999 mengenai “Penugasan No.1/66/PBI/1999 dated 20 September 1999,
Direktur Kepatuhan (Compliance Director) dan about “The Assignment of Compliance Director and
Penerapan Standar Pelaksanaan Fungsi Audit Intern Standard Application of Bank Internal Audit Function
Bank Umum (SPFAIB)” antara lain menyebutkan Implementation” which stated that in order to ensure the
bahwa dalam rangka memastikan kepatuhan bank Bank’s compliance with Regulation of Bank Indonesia
terhadap Peraturan Bank Indonesia (PBI) dan and regulating laws, the Bank is obliged to appoint a
peraturan perundang-undangan yang berlaku, Bank Compliance Director
wajib menunjuk seorang Direktur Kepatuhan.
Hal tersebut sejalan dengan Peraturan Bank This is in line with, the Regulation of Bank Indonesia
Indonesia Nomor 11/33/PBI/2009 tanggal 7 Desember No.11/33/PBI/2009 dated 7 December 2009, about
2009 tentang Pelaksanaan GCG Bagi Bank Umum GCG Implementation for Sharia Commercial Bank (BUS)
Syariah (BUS) dan Unit Usaha Syariah (UUS) yang and Sharia Business Unit (UUS) to have one director
mewajibkan BUS memiliki 1 (satu) orang direktur yang who is in charge of ensuring the compliance with Bank
bertugas memastikan kepatuhan terhadap ketentuan Indonesia’s regulation and other regulating laws, as
Bank Indonesia dan peraturan perundang-undangan stipulated in the provision of Bank Indonesia regarding
lainnya sebagaimana diatur dalam ketentuan Bank Compliance Director
Indonesia mengenai Direktur Kepatuhan.
Berpedoman kepada kedua PBI tersebut, dalam Guided by the two PBIS mentioned above and in order
rangka membantu pelaksanaan Direktur Kepatuhan to effectively assist the implementation of the duty and
secara efektif, Direksi Bank Muamalat telah responsibility of compliance Director, the Directors of
membentuk Satuan Kerja Kepatuhan (Compliance Bank Muamalat has established Compliance Division
Division) yang independen terhadap satuan kerja which is independent from the operational unit.
operasional.

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Selama tahun 2009 dan tahun 2010, Direksi telah During 2009 – 2010 period, board of Directors had taken
mengambil langkah-langkah yang diperlukan secara the needed sustainable steps, such as:
berkelanjutan, antara lain sebagai berikut :
1. Menunjuk Andi Buchari sebagai Direktur 1. Appoint Andi Buchari as Compliance Director
Kepatuhan untuk masa jabatan 5 (lima) tahun, for 5-year tenure, in accordance with Minutes of
sesuai dengan Berita Acara Rapat Umum Meeting from the Extraordinary General Meeting
Pemegang Saham Luar Biasa (RUPS-LB) PT Bank of Shareholders (RUPS-LB) PT Bank Muamalat
Muamalat Indonesia, Tbk Nomor 173 tanggal 22 Indonesia Tbk No.173 dated 22 July 2009 and
Juli 2009 dan Surat Gubernur Bank Indonesia the letter of the Governor of Bank Indonesia
Nomor 11/5/GBI/DPbS perihal Keputusan atas No.11/5/GBI/DPbS regarding the Decision on the
Pencalonan Pengurus Bank Muamalat Nomination of Bank Muamalat’s directorship.
2. Mengubah nama Direktur Kepatuhan & 2. Changed the title of Compliance & Corporate
Pendukung Perusahaan (Compliance & Corporate Support Director into Compliance and Corporate
Support Director) menjadi Direktur Kepatuhan Planning Director (CCP Director) that directly leads
dan Perencanaan Perusahaan (Compliance and the Compliance Division, Corporate Secretary
Corporate Planning Director (CCP Director)) yang Division and Corporate Planning Division. The
langsung membawahi Divisi Kepatuhan, Divisi change has been in accordance with the decree
Sekretariat Perusahaan dan Divisi Perencanaan of Bank Muamalat’s Board of Directors No. 079/
Perusahaan. Perubahan ini telah sesuai dengan DIR/KPTS/VIII/2009 dated 25 August 2009, about
Surat Keputusan (SK) Direksi Nomor 079/DIR/ the Organizational Structure of PT Bank Muamalat
KPTS/VIII/2009 tanggal 25 Agustus 2009 tentang Indonesia Tbk.
Struktur Organisasi PT Bank Muamalat Indonesia,
Tbk
3. Bank Muamalat kembali mengubah nama Direktur 3. Bank Muamalat once again changed the title of
Kepatuhan dan Perencanaan Perusahaan Compliance and Corporate Planning Director
(Compliance and Corporate Planning Director) into Compliance and Risk Management Director.
menjadi Direktur Kepatuhan dan Manajemen The change has been effectively applied since 4
Risiko (Compliance & Risk Management Director). October 2010 and in accordance with the decree of
Perubahan ini berlaku efektif sejak 4 Oktober 2010 the Board of Directors No.062/DIR/LTPS/IX/2010
dan telah sesuai dengan Surat Keputusan (SK) dated 7 September 2010, about the Organizational
Direksi Nomor 062/DIR/KPTS/IX/2010 tanggal 07 Structure of PT Bank Muamalat Indonesia Tbk,
September 2010 tentang Struktur Organisasi PT
Bank Muamalat Indonesia, Tbk.
4. Dalam perkembangannya, untuk lebih 4. In later development, to enhance the organization

meningkatkan kinerja organisasi maka melalui performance which is based on decree of the
Surat Keputusan (SK) Direksi Nomor 076A/DIR/ Directors No. 076A/DIR/KPTS/X/2010 dated
KPTS/X/2010 tanggal 29 Oktober 2010 tentang 29 October 2010, about the Perfection of
Penyempurnaan Struktur Organisasi, Bank Organizational Structure, Bank Muamalat again
Muamalat kembali melakukan penyempurnaan made the perfection of organizational structure, but
struktur organisasi, namun Direktur Kepatuhan the Compliance and Risk Management Director still
dan Manajemen Risiko masih tetap membawahi leads the Compliance Division, Corporate Secretary
Divisi Kepatuhan (Compliance Division), Division and Risk Management Division.
Corporate Secretary Division dan Divisi
Manajemen Risiko (Risk Management Division).

Annual Report
5. Sesuai dengan ketentuan GCG yang berlaku dan 5. In accordance with the GCG provisions used as
sebagai pedoman pelaksanaan fungsi kepatuhan, guidance in implementing compliance function,
Divisi Kepatuhan telah menyusun Kebijakan dan the Compliance Division has compiled Policy
Prosedur Direktorat Kepatuhan (Compliance and Procedure specifically to give assurance in
Policy and Procedure) secara khusus untuk tasks implementation in Compliance Division. The
memberikan kepastian dalam pelaksanaan tugas Compliance Division’s Policy and Procedure was
di Divisi Kepatuhan. Kebijakan dan Prosedur authorized by board of Directors and Commissioners
Divisi Kepatuhan tersebut telah disahkan oleh of Bank Muamalat and was submitted to Sharia
Direksi dan Komisaris Bank Muamalat Indonesia Banking Directorate of Bank Indonesia in letter
dan telah disampaikan kepada Direktorat No.19/BMI/CD/III/2010 dated 25 March 2010 and
Perbankan Syariah, Bank Indonesia melalui surat distributed to all divisions as guidance.
Nomor 19/BMI/CD/III/2010 tanggal 25 Maret
2010, serta telah didistribusikan kepada divisi-
divisi terkait sebagai pedoman.
6. Dalam upaya peningkatan pelaksanaan fungsi 6. In effort to enhance the implementation of

kepatuhan di lingkungan Perseroan, pada compliance function in the Company in November
bulan November 2010 Direktur Kepatuhan dan 2010, the Compliance and Risk Management
Manajemen Risiko mengangkat, serta menunjuk Director appointed and assigned four officials of
4 orang Area Compliance Officer (ACO) untuk Area Compliance Officer (ACO) to be in charge of
melakukan fungsi pengawasan kepatuhan secara compliance monitoring closely and intensively in
intensif pada unit bisnis (kantor cabang, kantor business unit (branch, supporting branch, and cash
cabang pembantu, dan kantor kas) di wilayah office) in the determined monitored area.
pengawasan yang telah ditentukan.
Tugas ACO antara lain memastikan kepatuhan ACO is in charge of ensuring compliance in fulfilling all
dalam memenuhi seluruh peraturan internal dan internal and external regulating laws.
eksternal yang berlaku.
Area yang sudah memiliki ACO adalah : Areas with appointed ACO :
- Area Jakarta KPO dan Area Jakarta Tier One - KPO Jakarta area and Jakarta Tier One City (TOC)
City (TOC) I, dirangkap oleh seorang ACO I, both are handled by one ACO positioned in Non-
yang berkedudukan di Kantor Pusat Non Operational Head Office,.
Operasional.
- Area Jakarta TOC II & Area Jakarta TOC - Jakarta TOC II & Jakarta TOC III area, both are
III, dirangkap oleh seorang ACO yang handled by ACO in Fatmawati branch office
berkedudukan di Kantor Cabang Fatmawati.
- Area Jawa Barat, ACO berkedudukan di - West java Area, ACO in Branch Office Bandung
Kantor Cabang Bandung.
- Area Jawa Tengah dan Daerah Istimewa - Central Java and DI Yogyakarta area, handled by
Yogyakarta, ACO berkedudukan di Kantor ACO in Semarang Branch Office
Cabang Semarang.

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189
Untuk mengoptimalkan fungsi kepatuhan To optimize the compliance function in the Company,
di lingkungan perusahaan, maka dilakukan Bank Muamalat recruits and appoints ACO to be placed
perekrutan dan penunjukan ACO untuk in areas throughout Indonesia
ditempatkan di seluruh wilayah Indonesia.
7. Struktur organisasi Divisi Kepatuhan terdiri dari 7. The organizational structure of Compliance Division
3 Departemen, yaitu Departemen Kepatuhan consists of 3 Departments, which are: General
Umum (General Compliance Department), Compliance Department, Sharia Compliance
Departemen Kepatuhan Syariah (Sharia Department and Anti-Money Laundering and
Compliance Department) dan Unit Kerja prevention of terrorism funding special work unit
Khusus Anti Pencucian Uang dan Pencegahan (APU & PPT), all of which are responsible to the
Pendanaan Terorisme (APU & PPT). Seluruhnya Compliance and Risk Management Director through
bertanggungjawab kepada Direktur Kepatuhan head of the Division. As of end of 2010, the staff
dan Manajemen Risiko melalui Kepala Divisi and employees who assisted the implementation
Kepatuhan. Pada akhir tahun 2010, staf dan of compliance function in Bank Muamalat were 17
karyawan yang membantu pelaksanaan fungsi personnel, consisting of:
kepatuhan berjumlah 17 orang, terdiri dari :
a. Compliance Division Head = 1 orang a. Compliance Division Head = 1 personnel
b. Senior Officer Compliance = 1 orang b. Senior Officer Compliance = 1 personnel
c. General Compliance Department = 7 orang c. General Compliance Department = 7 personnel
d. Sharia Compliance Department = 4 orang d. Sharia Compliance Department = 4 personnel
e. Unit Kerja Khusus APU & PPT = 4 orang e. Special work unit APU & PPT = 4 personnel
5.4.1. Tugas dan Tanggung Jawab Divisi Kepatuhan 5.4.1. Duties and Responsibilities of Compliance Division
Tugas Divisi Kepatuhan adalah membantu Direktur The duties of Compliance Division is to assist the Director
Kepatuhan & Manajemen Risiko dalam hal : of Compliance & Risk Management in :
1. Menetapkan upaya yang diperlukan untuk 1. determining the strategy to guarantee the Bank’s
memastikan kepatuhan bank dalam memenuhi compliance with all internal and external regulating
seluruh peraturan internal dan eksternal serta laws as a means of applying prudence principle
peraturan perundang-undangan yang berlaku including the compliance with sharia aspect
dalam rangka pelaksanaan prinsip kehati-hatian,
termasuk pemenuhan terhadap aspek syariah
2. Memantau dan menjaga kegiatan usaha bank 2. Monitoring and keeping the Bank’s business activity
agar tidak menyimpang dari ketentuan umum from violating the applicable law and sharia
dan syariah yang berlaku
3. Memantau dan menjaga kepatuhan bank 3. Monitoring and maintaining the Bank’s compliance
terhadap seluruh perjanjian dan komitmen yang to all the agreements and commitments made by
dibuat oleh bank kepada Bank Indonesia the Bank to Bank Indonesia
4. Memastikan dan mengawasi pelaksanaan 4. Ensuring and supervising the implementation of
kebijakan dan prosedur program Anti Pencucian policy and procedure of Anti-Money Laundering
Uang dan Pencegahan Pendanaan Terorisme and Prevention of Terrorism Funding (APU & PPT)
(APU dan PPT) sesuai Peraturan Bank Indonesia program which is in accordance with the Regulation
dan peraturan perundang-undangan lain yang of Bank Indonesia and other applicable laws
berlaku

Annual Report
5. Khusus staf Sharia Compliance Department 5. Specially for the staff of Sharia Compliance
bertugas membantu Dewan Pengawas Syariah Department, which is in charge of assisting Board
(DPS) dan sebagai liaison officer antara of Sharia Supervisory (BSS) and as Liaison Officer
manajemen Bank Muamalat dengan DPS between Bank Muamalat and BSS in conducting
dalam pengawasan aspek syariah, membantu the sharia aspect routine monitoring, participating
pelaksanaan audit syariah yang dilakukan oleh in sharia audit with Internal Audit Division, and also
Divisi Audit Internal, serta membantu menyusun assisting to compile the BSS monitoring report
laporan semesteran DPS kepada Bank Indonesia every semester to be submitted to Bank Indonesia.
Sedangkan Tanggung Jawab Divisi Kepatuhan antara The responsibilities of Compliance Division include:
lain meliputi:
1. Menetapkan langkah yang diperlukan untuk 1. Determining the necessary steps to ensure that
memastikan bank telah memenuhi seluruh the Bank complies with all internal and external
peraturan internal dan eksternal serta peraturan regulations as well as other regulating laws as a
perundang-undangan yang berlaku dalam way to implement the prudence principle which
rangka pelaksanaan prinsip kehati-hatian includes compliance/conformity of sharia aspect
termasuk kepatuhan dalam pemenuhan terhadap in accordance with instruction from Director of
aspek syariah, sesuai dengan arahan Direktur Compliance & Risk Management
Kepatuhan & Manajemen Risiko
2. Memantau dan menjaga kegiatan usaha bank 2. Monitoring and keeping the Bank’s business
agar tidak menyimpang dari ketentuan yang activities from violating the applied provisions and
berlaku secara umum dan syariah sharia.
3. Memantau dan menjaga kepatuhan bank 3. Monitoring and maintaining the Bank’s compliance
terhadap seluruh perjanjian dan komitmen to all commitments and agreements made between
kepada Bank Indonesia the Bank and Bank Indonesia
4. Membuat laporan semesteran kepada Bank 4. Composing semi-annual report to Bank Indonesia
Indonesia dan laporan berkala kepada Direktur and periodical report to the President Director
Utama dan Dewan Komisaris perihal pelaksanaan and the Board of Commissioners about the
tugas Direktur Kepatuhan implementation of the tasks of Director of
Compliance & Risk Management
5. Membuat laporan lainnya kepada pihak internal 5. Composing other reports for internal or external
atau eksternal, seperti Pemegang Saham, Bank parties, such as shareholders, Bank of Indonesia,
Indonesia, PPATK, Komisi Pemberantasan Financial Transaction Analysis Center (PPATK),
Korupsi Republik Indonesia (KPK RI) dan Corruption Eradication Commission (KPK) and
Bareskrim POLRI Bareskrim POLRI
6. Mengawasi dan memastikan pelaksanaan 6. Monitoring and ensuring the implementation of
kebijakan dan prosedur program APU & PPT telah policy and procedure of APU & PPT programs
sesuai Peraturan Bank Indonesia dan peraturan which have been complied with the Regulation of
perundang-undangan lain yang berlaku . Bank Indonesia and other applied regulating laws

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191
5.4.2. Pelaksanaan Tugas dan Tanggung Jawab 5.4.2. The Implementation of Duties and
Direktur Kepatuhan Responsibilities of Compliance Director
Selama tahun 2010, Direktur Kepatuhan & Manajemen During 2010, Director of Compliance & Risk Management
Risiko melalui Divisi Kepatuhan telah melakukan tugas through Compliance Division has delivered the duties
dan tanggung jawabnya, antara lain sebagai berikut : and responsibilities, as follows:
a. Monitoring pelaksanaan ketentuan prinsip-prinsip a. Monitoring the implementation of provisions of
kehati-hatian seperti Kewajiban Penyediaan prudence principles such as Capital Adequacy
Modal Minimum/Capital Adequacy Ratio (CAR), Ratio (CAR), Maximum Limit Credit Approval, Net
Batas Maksimum Pemberian Kredit (BMPK), Devisa Position, Liquidity and productive asset
Posisi Devisa Neto (PDN), Likuiditas dan Kualitas quality/Non Performing Financing,
Aktiva Produktif/Non Performing Financing (NPF),
Penyisihan Penghapusan Aktiva (PPA)
b. Menyampaikan opini kepada divisi terkait dan b. Delivering opinions to relevant division and branch
kantor cabang mengenai pembiayaan dan offices on financing and other operational expenses
operasional lainnya yang berhubungan dengan relating to general compliance and sharia aspect
aspek general compliance dan aspek syariah
c. Sharing Information mengenai ketentuan dan c. Sharing information on new or applicable provisions
peraturan perundang-undangan kepada seluruh and regulating news to all divisions and business
divisi dan unit bisnis units
d. Melakukan evaluasi kebijakan dan pedoman d. Conducting review on Standard Operating &
umum produk pembiayaan dan penghimpunan Procedure (SOP)/manual on the implementation
dana, serta prosedur pelaksanaan kegiatan divisi of division activity as well as new products from
financing and/or fund collecting;
e. Membantu memenuhi permintaan data instansi e. Assisting data request from relevant institution
terkait seperti Komisi Pemberantasan Korupsi such as Corruption Eradication Committee (KPK),
(KPK), PPATK dan Kepolisian Negara (POLRI). Financial Transaction Analysis Center (PPATK) and
the National Police of the Republic of Indonesia
(POLRI)
f. Mengingatkan kepada seluruh unit kerja agar f. Reminding all units to submit reports on-time while
menyampaikan laporan tepat waktu dan selalu always operating/conducting activities based on
beroperasi/menjalankan aktivitas sesuai dengan applicable provisions
ketentuan yang berlaku
g. Memenuhi komitmen dan target dalam menjawab g. Fulfilling the commitment and target in addressing
hasil temuan pemeriksaan dari Bank Indonesia, audit/evaluation conducted by Bank Indonesia, or
dan tindaklanjut dari audit /pemeriksaan intern. the follow-up by internal audit/examination
h. Berperan aktif/berpartisipasi dalam rapat h. Actively participating in inter-division meeting and
antardivisi dan rapat Komite Pembiayaan Financing Committee meeting
i. Khusus untuk syariah dilakukan on the spot ke i. For sharia, it is done on the spot at branch offices
kantor cabang yang dilakukan bersama Divisi and conducted together with Internal Audit Division
Audit Internal dalam melakukan pemeriksaan (IAD) with the review on decision having the
lapangan terhadap keputusan yang mengandung elements of risk and imprudence
unsur ketidakhati-hatian dan berdampak risiko
j. Menugaskan Departemen Kepatuhan Syariah j. Assigning Sharia Compliance Department as
sebagai liaison officer menyelenggarakan rapat Liaison Officer routinely conducting 12 regular
bulanan DPS secara rutin sebanyak 12 kali sesuai DPS meetings in accordance with the applicable
dengan ketentuan yang berlaku stipulations

Annual Report
k. Menyampaikan Laporan Pokok Pelaksanaan k. Submitting the semester principle report on the
Tugas Direktur Kepatuhan setiap semester task implementation of Director of Compliance to
kepada Bank Indonesia c.q. Direktorat Bank Indonesia cq Directorate of Sharia Banking.
Perbankan Syariah. Laporan semester II/2010 Directorate. The Semester II/2010 has been
telah disampaikan kepada Bank Indonesia submitted to Bank Indonesia through letter No.56/
melalui surat Nomor 56/BMI/DIR/I/2011 tanggal BMI/DIR/2011 dated 25 January 2011
25 Januari 2011
l. Menyampaikan laporan secara berkala kepada l. Submitted the periodic report to the President
Direktur Utama dengan tembusan Dewan Director copying the Board of Commissioners,
Komisaris, tentang tugas yang dilaksanakan conducted tasks such as Report on Cash
seperti Laporan Transaksi Keuangan Tunai/ Transaction/suspicion every month and Report on
Mencurigakan setiap bulan, Laporan Berkala the implementation of the Compliance’s Director
Pelaksanaan Tugas Direktur Kepatuhan setiap 3 duty every 3 months and at end of every year
bulan, dan setiap akhir tahun.
Dalam rangka meningkatkan pemahaman dan In order to enhance knowledge and competency on
kemampuan terhadap pelaksanaan PBI Nomor 11/28/ the implementation of PBI No.11/28/PBI/2009 dated 1
PBI/2009 tanggal 1 Juli 2009 tentang Penerapan July 2009 about the implementation of APU and PPT
Program APU dan PPT Bagi Bank Umum selama programs for General Bank, during 2010 the followings
tahun 2010 telah dilakukan : were carried out:
1. Pelatihan internal dan seluruh karyawan, 1. Conducting internal training for staff of Compliance
khususnya bagi front liners dan operational officer Division and for the entire employees of Bank
di kantor cabang. Program pelatihan ini berupa Muamalat especially the front-liner and operational
inhouse dan external training bersama Forum officer in branch office. The training programs are
Komunikasi Direktur Kepatuhan Perbankan in the forms of in-house and/or external training
(FKDKP) Bank Indonesia dan Pusat Pelaporan & (with Banking Compliance Director Communication
Analisis Transaksi Keuangan (PPATK) Forum of Bank Indonesia and Financial Transaction
Analysis Center (PPATK)
2. Menyusun Pedoman Pelaksanaan Penerapan 2. Composing Manual for the implementation of
Anti Pencucian Uang dan Pencegahan Anti-Money Laundring and prevention of terrorism
Pendanaan Terorisme (P3APU- PPT). funding (P3APU-PPT)
3. Sosialisasi terhadap Kebijakan, Pedoman 3. Socializing on Policy, Manual and Procedur
dan Prosedur APU & PPT serta pendalaman of APU & PPT as well as the implementing
pelaksanaan aspek syariah bagi seluruh enhancement on sharia aspect for all
karyawan employees

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193
5.5. Laporan Kepatuhan Lainnya 5.5. Report on Other Compliances

5.5.1. Batas Maksimum Penyaluran Dana/Pembiayaan 5.5.1. Maximum Limit of Fund Distribution/Financing
(BMPP) (BMPP)
Pelaksanaan prudential banking pembiayaan The implementation of prudent financing is exercised by
dilaksanakan dengan menetapkan batas maksimum determining conservative maximum limit of financing.
penyaluran pembiayaan secara konservatif.
Setiap bulannya Financing Support Division Every month, the Financing Support Division calculates,
menghitung dan menetapkan besaran maksimum sets and announces the maximum limit of financing
pembiayaan yang dapat diberikan kepada unit terkait. which can be given to the relevant unit.The amount of
Besarnya batas minimum yang dihitung berdasarkan minimum limit is calculated based on the position of the
posisi modal bank pada bulan sebelumnya. Sesuai Bank’s capital in the previous month. In accordance
dengan PBI Nomor 8/13/PBI/2006 tanggal 5 Oktober with PBI No.8/13/PBI/2006 dated 5 October 2006
2006 perihal Batas Maksimum Pemberian Kredit about Maximum Limit of Credit (BMPK) and the internal
(BMPK) dan kebijakan internal, maka jumlah BMPP/ policy, therefore the amount of BMPP/BMPK as per
BMPK per Desember 2010 tercatat sebagai berikut : end or December 2010 was recorded in the following
breakdown:
Keterangan/Information Regulasi/Regulation Internal (70%)
Pihak Terkait/Related Party Rp 203 miliar/billion Rp 142 miliar/billion
Pihak Tidak Terkait (1 Peminjam 20%)/Third Parties (1 borrower 20%) Rp 406 miliar/billion Rp 284 miliar/billion
Pihak Tidak Terkait (1 Kelompok Peminjam 25%)/Third Parties
Rp 508 miliar/billion Rp 355 miliar/billion
(1 borrower group 25%)
Penyediaan Dana kepada Pihak Terkait diberikan Fund providing for Affiliated Party given to subsidiaries,
kepada anak perusahaan, anggota Direksi dan members of board of Directors, and several affiliated
beberapa perusahaan yang terkait karena hubungan companies due to the familial relation with one of the
keluarga dengan salah seorang Komisaris, namun Commissioners, but still below the maximum limit of
dalam jumlah yang masih dibawah ketentuan Batas financing provision (BMPP) internal or maximum limit
Maksimum Pemberian Pembiayaan (BMPP) internal credit (BMPK) Bank Indonesia. The provision of fund for
maupun Batas Maksimum Pemberian Kredit (BMPK) 50 large individual customers and groups as per end
Bank Indonesia. Penyediaan dana untuk 50 nasabah of the December 2010 was still under the stipulation of
besar individu dan kelompok per Desember 2010, BMPK Bank Indonesia.
masih berada di bawah ketentuan BMPK Bank
Indonesia.
5.5.2. Penyimpangan Internal 5.5.2. Internal Fraud

Selama tahun 2010 telah terjadi penyimpangan yang During 2010, 3 permanent employees and 1 outsourced
dilakukan oleh 3 orang karyawan tetap dan 1 orang employee were involved in fraud. The cases of fraud
karyawan outsource. Penyimpangan terkait dengan were related to working process and operational activity
proses kerja, kegiatan operasional, serta fraud and does not significantly affect the Company’s financial
tidak mempengaruhi kondisi keuangan bank secara condition.
signifikan.

Annual Report
Kasus dimaksud telah diselesaikan dengan cara The cases have been settled as follows :
sebagai berikut :
Penyimpangan Internal Jumlah Kasus Penyimpangan/ Number of Deviations

dalam 1 (satu) tahun/ Pegawai Tetap/ Permanent Pegawai Tidak Tetap/
Pengurus/Management
Internal deviations within 1 Employees Outsourced Employees
(one) year 2009 2010 2009 2010 2009 2010
3 orang/ 1 orang/
Jumlah Penyimpangan - - - -
Persons Person
1 orang/ 1 orang/
Telah Diselesaikan - - - -
Persons Person
Dalam Proses
Penyelesaian oleh internal - - - - - -
bank
Belum diupayakan
- - - - - -
penyelesaiannya
Telah ditindaklanjuti 2 orang/
- - - - -
melalui proses hukum Persons
5.5.3. Permasalahan Hukum 5.5.3. Legal cases

Permasalahan hukum yang dihadapi bank selama Legal cases experienced by the bank during 2010 were
tahun 2010 adalah masalah hukum perdata sebanyak 4 (four) civil law cases and (2) criminal law cases, all are
4 kasus dan pidana sebanyak 2 kasus, semuanya still in the settlement process.
masih dalam proses penyelesaian.
Jumlah/Total
Permasalahan Hukum/ Legal Issues
Perdata/Civil Pidana/Criminal
Telah selesai (telah mempunyai kekuatan
hukum yang tetap)/ Has been completed - -
(already have the force of the permanent)
Dalam proses penyelesaian/
4 kasus/Cases 2 kasus/Cases
In the process of settlement
To t a l 4 kasus/cases 2 kasus/cases
5.5.4. Transaksi Mengandung Benturan Kepentingan 5.5.4. Transaction with Conflict of Interest
Bank Muamalat memiliki kebijakan, sistem dan Bank Muamalat has policy, system and procedure
prosedur penyelesaian mengenai benturan regarding conflict of interest that bind every manager,
kepentingan yang mengikat setiap pengurus dan staff and employee. Every policy and procedure on
karyawan bank. Setiap kebijakan dan prosedur financing, operational, and the decision to be made are
yang disusun untuk pembiayaan, operasional, serta always included in special clause regarding the conflict
keputusan yang akan dibuat selalu dicantumkan of interest.
klausula khusus terkait dengan benturan kepentingan.

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195
Tindakan yang mengandung benturan kepentingan, Any action with conflict of interest, in accordance with
sesuai dengan kebijakan dan prosedur yang berlaku the applied policy and procedure, should be avoided.
harus dapat dihindari, sehingga jika masih terjadi tidak In the event that the conflict of interest occurs, it will
merugikan dan mengurangi aset, serta keuntungan. not bring any loss and/or lessen the assets and profit of
Bank Muamalat.
Selama tahun 2010 tidak terdapat transaksi yang During 2010, there was no transaction with conflict of
mengandung benturan kepentingan. Board Manual interest. The Company’s Board Manual and the general
Perseroan dan Kebijakan Umum Pembiayaan telah policy of Financing general policy function as a manual
mengatur dasar pemberian pembiayaan kepada with regards to conflict of interest in any business
nasabah yang mempersyaratkan larangan terkait activities.
benturan kepentingan pada setiap perjanjian.
Pasal mengenai benturan kepentingan dalam The article clauses on Conflict of Interest in the agreement
perjanjian disebutkan sebagai berikut : mentioned the following :
a. Tidak diperkenankan untuk memberikan a. It is prohibited to give any present or gift in any
hadiah atau pemberian dalam bentuk apapun forms to employees or managers that can breach
juga kepada karyawan dan pimpinan yang the agreement.
mengakibatkan berakhirnya perjanjian.
b. Menyatakan tidak ada suatu benturan b. It is stated that there should be no conflict of
kepentingan dan hubungan afiliasi dengan interest or affiliation among managers, employees
pengurus, karyawan, dan pemegang saham. and shareholders.
Kebijakan SDM mengatur bahwa setiap karyawan The Policy of Human Resources requires every staff
wajib membuat surat pernyataan tertulis yang isinya and employee to make written statement about,
antara lain tentang benturan kepentingan. Surat among others, conflict of interest. The statement is
pernyataan dibuat setiap tahun dan ditandatangani made annually and signed by the staff and employee
oleh karyawan dan diserahkan kepada Manajemen and submitted to the Management through Human
melalui Divisi Sumber Daya Manusia. Resources Division.
Hal ini tercermin dalam persyaratan penerimaan calon This is reflected in the requirements of new employee
karyawan yang diharuskan membuat pernyataan recruitment, in which the employee is required to make a
tidak memiliki hubungan kekerabatan dengan statement that he/she does not have any familial relation
karyawan perusahaan, serta wajib menyerahkan with employee of the Company, and the employee is
Surat Keterangan Catatan Kepolisian (SKCK). also required to submit a police record (SKCK).
5.5.5. Transparansi Kondisi Keuangan dan Non- 5.5.5. Transparency on Financial and Non-Financial
Keuangan Condition
Bank Muamalat senantiasa dilandasi oleh ketentuan Bank Muamalat always refers to applied provisions
dan peraturan yang berlaku, sehingga semua informasi and regulations in running the business, so that all
tentang kondisi keuangan dan non-keuangan selalu Information about the financial or non-financial condition
dipaparkan dalam laporan publikasi dan tahunan, is always disclosed in public expose and annual report,
sesuai dengan PBI Nomor 7/50/PBI/2005 tanggal 29 in accordance with PBI No.7/50/PBI/2005 dated 29
November 2005. November 2005.

Annual Report
Laporan keuangan tahunan tersebut telah diaudit oleh The annual financial report has been audited by an
akuntan publik yang independen dan terdaftar di Bank independent public accountant and submitted to Bank
Indonesia. Untuk tahun 2010, Kantor Akuntan Publik Indonesia. For the year 2010, the appointed Public
yang ditunjuk oleh Dewan Komisaris adalah Oesman Accountant Office was Oesman, Bing, Satrio & Partner
Bing Satrio & Rekan (Deloitte). Laporan Keuangan (Deloitte). The annual financial report was also posted in
Tahun 2009 dan 2010 tercantum dalam website Bank Bank Muamalat’s website at www.muamalatbank.com
Muamalat dengan alamat www.muamalatbank.com
Laporan dimaksud juga disampaikan kepada seluruh The report is also delivered to stakeholders in accordance
stakeholders sesuai dengan Peraturan Bank Indonesia with the Regulation of Bank Indonesia No.11/33/
Nomor 11/33/PBI/200 tanggal 7 Desember 2009 dan PBI/200 dated 7 December 2009 and letter from Bank
Surat Edaran Bank Indonesia Nomor 12/13/DPbS Indonesia No.12/13/DPbS dated 30 April 2010 about
tanggal 30 April 2010 tentang Pelaksanaan Good the implementation of Good Corporate Governance
Corporate Governance Bagi Bank Umum Syariah for Sharia Commercial Bank and Sharia Business Unit
dan Unit Usaha Syariah, serta Keputusan BAPEPAM and the decree of Bapepam No. 36/PM/2003 dated 30
Nomor 36/PM/2003 tanggal 30 September 2003. September 2003.
5.5.6. Kepemilikan Saham Anggota Dewan 5.5.6. Shares Ownership by Member of the Board of
Komisaris dan Direksi Commissioners and Directors
Tidak Ada Anggota Dewan Komisaris dan Direksi No member of Board of Commissioners and Directors
yang memiliki saham Bank Muamalat hingga 5% atau owns more than 5% or more of Bank Muamalat’s share,
lebih dari modal yang disetor perusahaan, bank lain, other banks and other non-banking financial Institutions.
dan lembaga keuangan bukan bank.
5.5.7. Share Option 5.5.7. Share Option

Bank Muamalat tidak pernah melakukan Share Option Bank Muamalat did not exercise Share Option during
selama tahun 2010. 2010
5.5.8. Buy Back Saham dan Sukuk 5.5.8. Buy Back Obligation or Share
Selama tahun 2010, Bank Muamalat tidak pernah Bank Muamalat did not exercise Sukuk and share buy
melakukan transaksi Buy Back Saham dan Sukuk. back transaction during 2010.

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5.5.9. Rasio Gaji Tertinggi dan Terendah 5.5.9. Ratio of the Highest and Lowest Salary
Rasio gaji tertinggi dan terendah di Bank Muamalat Ratio of the highest and lowest salary in Bank Muamalat
berdasarkan tingkat maksimum masing-masing is based on the maximum level of each employee, as
karyawan tercatat sebagai berikut : follows:
Skala/Perbandingan
No. Rasio/Ratio
Scale/Comparison
Rasio gaji pegawai tertinggi dan terendah/ The ratio of the highest and
a. 10 : 0,8
lowest salaries
Rasio gaji Direksi tertinggi dan terendah/The ratio of the highest and
b. 10 : 9,0
lowest salaries of Directors
Rasio gaji Komisaris tertinggi dan terendah/ The ratio of the highest and
c. 10 : 8,3
lowest salaries of Commissioners
Rasio gaji Direksi tertinggi dan pegawai tertinggi/ The ratio of the highest
d. 10 : 3,0
salaries of Directors and the highest employee
5.5.10. Customer Complaint Handling

5.5.10. Penanganan Pengaduan Nasabah
Customer is a business partner who has rights and
Nasabah merupakan mitra usaha yang memiliki
obligations. In running the business, Bank Muamalat
hak dan kewajiban. Dalam menjalankan usaha,
always puts the customer satisfaction as priority, this
Bank Muamalat selalu mengedepankan kepuasan,
includes the handling of the customers’ complaints.
termasuk dalam penyelesaian pengaduan nasabah.
Bank Muamalat has policy guidance and procedure for

Bank Muamalat memiliki Pedoman Kebijakan dan
accepting, monitoring and settlement of customers’
Prosedur Penerimaan Pemantauan dan Penyelesaian
complaints or KP4PPN. The guidance was composed
Pengaduan Nasabah atau KP4PPN untuk menangani
in accordance with PBI No.7/7/PBI/2005 dated 20
pengaduan nasabah. Pedoman ini disusun
January 2005 and letter from Bank Indonesia No.7/24/
berdasarkan PBI Nomor 7/7/PBI/2005 tanggal 20
DPNP dated 18 July 2005 about Customer Complaint
Januari 2005 dan Surat Edaran Bank Indonesia Nomor
Settlement.
7/24/DPNP tanggal 18 Juli 2005 tentang Penyelesaian
Pengaduan Nasabah.
The guidance is composed to provide customer with

Pedoman ini disusun untuk memberikan pelayanan
complaint settlement services which are safe, quick
penyelesaian pengaduan nasabah bank secara aman,
and efficient. The guidance is also to enhance the
cepat, efisien, meningkatkan efektivitas pelayanan
effectiveness of overall service to customer, as well as
menyeluruh kepada nasabah, serta mengurangi risiko
lessen the reputation risk and increase public trust. Thus,
reputasi dan meningkatkan kepercayaan masyarakat.
the Company is obliged to settle every verbal or written
Dengan demikian Perseroan wajib menyelesaikan
complaint in accordance with the applied regulation and
setiap pengaduan lisan dan tulisan yang diajukan
procedure.
sesuai dengan peraturan dan prosedur yang berlaku.
Alhamdulillah, the effort in increasing the service has

Alhamdulillah, upaya untuk meningkatkan pelayanan
reaped its benefit in 2010 through the reward from
telah menuai prestasi berupa penerimaan
Bank Indonesia as the Bank with The Best Costumer
penghargaan dari Bank Indonesia sebagai Bank
Complaint Handling in 2010.
dengan Penyelesaian Pengaduan Terbaik pada tahun
2010.

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5.5.11. Pusat Pelayanan Nasabah 5.5.11. Customer Service Center

Dalam upaya meningkatkan pelayanan dan In enhancing the service and get closer to the
mendekatkan diri dengan nasabah, Bank Muamalat customers, Bank Muamalat has formed a centralized
telah membentuk sebuah unit pelayanan nasabah customer service unit. The unit is called Customer Care
terpusat. Unit ini disebut dengan Customer Care Department that serves under the Service Division based
Department yang berada di bawah Divisi Layanan on the decree of the Directors 076A/DIR/KTPS/X/2010
(Service Division) sesuai dengan Surat Keputusan dated 29 October 2010 about the structure perfection of
Direksi Nomor 076A/DIR/KPTS/X/2010 tanggal 29 PT Bank Muamalat Indonesia, Tbk.
Oktober 2010 tentang Penyempurnaan Struktur
Organisasi PT Bank Muamalat Indonesia,Tbk.
Customer Care Department dibentuk dengan tujuan Customer Care Department was established with
meningkatkan fungsi pelayanan dan penyelesaian goals to improve the customer service function and
pengaduan nasabah di seluruh jaringan. Untuk customer complaint settlement in all networks. For
pelayanan nasabah melalui telepon, Bank Muamalat customer service by-phone, Bank Muamalat has formed
telah membentuk SalaMuamalat yang merupakan SalaMuamalat, a 24-hour phonebanking and Call Centre
layanan phonebanking 24 jam dan Call Centre yang which can be accessed from (021) 500016.
dapat diakses melalui nomor telepon (021) 500016.
SalaMuamalat memberikan kemudahan kepada SalaMuamalat provides simplicity for customers,

nasabah, setiap saat dan dimanapun nasabah berada regardless of time and whereabout, to get information
untuk memperoleh informasi mengenai produk, saldo about products, balance and transaction information,
dan informasi transaksi, pemindahbukuan antar transferring, payment and PIN change.
rekening, pembayaran, serta mengubah PIN.
Selain jaringan kantor, ATM dan call centre, melalui In addition to office network, ATM and call-centre, the
website (www.muamalatbank.com) seluruh presence of website (www.muamalatbank.com) helps
pemegang saham, karyawan, nasabah dan all the shareholders, employees, customers and public
masyarakat luas dapat merasakan pelayanan Bank get the insight of Bank Muamalat’s services through
Muamalat melalui informasi yang disajikan. information posted on the website.
5.5.12. Komunikasi Informasi Perusahaan 5.5.12. Corporate Information Communication

Komunikasi informasi Bank Muamalat ditangani Bank Muamalat’s Information communication is handled
oleh Public Relations yang berada di bawah Divisi by Public Relations that serves under the Corporate
Corporate Secretary yang bertugas merangkum Secretary Division. The unit is in charge of summarizing
seluruh komunikasi internal dan eksternal, antara all internal and external communications, between
organisasi dengan semua khalayak dalam rangka organization with the public, in order to achieve specific
mencapai tujuan spesifik. purposes.

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199
Fungsi Public Relations, adalah : The Functions of Public Relation are:

1. Menjaga reputasi Bank Muamalat 1. Maintaining the image/reputation of Bank Muamalat
2. Menjalin dan membina hubungan harmonis 2. Establishing and nurturing relationship with
dengan seluruh stakeholders secara internal dan stakeholders internally and externally
eksternal
3. Membantu manajemen dalam menyampaikan 3. Assisting the management in delivering information
informasi dan tanggap terhadap opini, serta isu and response to public issues and opinions relating
publik terkait perusahaan to the Company
4. Menciptakan dan memelihara alur komunikasi, 4. Creating and maintaining the flows of
pengertian, dukungan, serta kerja sama communication, understanding, support and
perusahaan dengan publik cooperation between the Company and the public.
Tanggung Jawab Utama Public Relations : The responsibilities of Public Relations:

1. Merencanakan strategi dan konsep untuk 1. Planning strategy and concept to strengthen
meningkatkan corporate image corporate image
2. Membuat strategi above the line & below the line 2. Creating above the line & below the line advertising
advertising strategy
3. Mempersiapkan strategi budgeting promotion 3. Preparing promotion and advertising budget
and advertising strategy
4. Menganalisis dan memilih sponsor sesuai skala 4. Analyzing and appointing sponsorship based on
prioritas priority scale
5. Mempersiapkan dan melaksanakan corporate 5. Preparing and conducting corporate events
events
6. Mempersiapkan dan melaksanakan corporate 6. Preparing and conducting corporate publications
publications
7. Berkoordinasi dengan Baitulmaal Muamalat 7. Coordinating with Baitumaal Muamalat in corporate
(BMM) dalam pelaksanaan corporate social social responsibility implementation
responsibility
8. Merencanakan dan melaksanakan program 8. Planning and conducting internal relations program
internal relations
a. Media Penyebaran Informasi a. Information Dissemination Media

Bank Muamalat menggunakan semua media yang Bank Muamalat uses all availabe media to disseminate
tersedia untuk menyampaikan informasi yang information related to the Company, among others, are:
berkaitan dengan Perseroan, antara lain sebagai
berikut :

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Media Internet Internet Media

Media internet yang digunakan adalah situs web The internet media utilized by Bank Muamalat is
dengan alamat www.muamalatbank.com. Situs ini website with address www.muamalatbank.com . The
menyajikan beragam informasi Perseroan dengan website provides various news on the Company with
komprehensif seperti produk, layanan, berita, laporan comprehensive products, services, news, financial
keuangan, dan edukasi perbankan syariah. Pada reports and sharia banking education. In 2010, Bank
tahun 2010, situs Bank Muamalat berhasil meraih Muamalat received the Runner Up for The Best National
penghargaan Runner Up Website Terbaik Nasional Website Award by Ing Grya Perhumas Indonesia
dalam Lomba Ing Grya Perhumas Indonesia 2010 2010 competition held by Indonesian Public Relations
yang diselenggarakan oleh Perhimpunan Hubungan Association.
Masyarakat Indonesia.

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201
Media Massa Cetak Print Media

Bank Muamalat juga menggunakan media massa Bank Muamalat also uses print mass media. The The
cetak. Sasaran internal perusahaan mencakup Company’s internal targets are employees, customers
karyawan, nasabah, dan pemegang saham. Untuk and shareholders. For the internal communication
keperluan penyebaran informasi internal telah dissemination, Bank Muamalat has published a
diterbitkan majalah dengan nama “Muamalat magazine called “Muamalat Magazine”. The magazine
Magazine”. Majalah ini berfungsi sebagai alat untuk functioned as a tool to deliver information relating to the
mengkomunikasikan informasi yang berkaitan dengan Company and sharia banking education, products and
Perseroan dan edukasi perbankan syariah, produk services, as well as Bank Muamalat’s policies..
dan layanan, serta kebijakan Bank Muamalat.
Sedangkan komunikasi eksternal Perseroan Meanwhile the Company’s external communication

menargetkan masyarakat umum sebagai sasaran target the public. This external communication includes
penyebaran informasi. Bentuk komunikasi eksternal commercial communication, publication or education.
dapat berupa komunikasi komersial, publikasi, atau The information dissemination media uses general media
edukasi. Media penyebaran informasi eksternal such as magazines, newspapers, tabloids, billboards,
menggunakan media cetak umumnya seperti majalah, banners, and others.
koran, tabloid, billboard, spanduk, dan sebagainya. In 2010, the number of corporate ad placements in print
Selama 2010, jumlah pemasangan iklan Perseroan media is 80, in with the following details:
dalam media massa cetak sebanyak 80 kali di
berbagai media cetak, dengan rincian sebagai
berikut :
Media Cetak/Print Media Jumlah Pemasangan Iklan/Total Advertising

A. Koran/Newspaper
a. Kompas 11
b. Republika 13
c. Jawa POS 3
d. Suara Merdeka 2
e. Pikiran Rakyat 2
f. Kedaulatan Rakyat 2
g. Analisa 2
h. Padang Ekspress 2
i. Sumatera Ekspress 2
j. Fajar 2
k. Banjarmasin Post 2
l. Kaltim Pos 2
m. Media Indonesia 2
n. Seputar Indonesia 1

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Media Cetak/Print Media Jumlah Pemasangan Iklan/Total Advertising

B. Majalah/Magazine
a. Tempo 8
b. Nova 7
c. Femina 7
d. Hidayah 3
e. Gatra 4
f. Noor 1
g. Idea 1
C. Tabloid/Tabloid
a. Rumah 1
Media Massa Elektronik Electronic Media

Media massa elektronik (radio dan televisi) digunakan Electronic Media (radio and television) is used as
sebagai alat untuk memberikan edukasi dan promosi educational tool as well as promotion for radio listeners
kepada pendengar radio atau penonton televisi. or TV audiences. Delivering information by radio and
Penyampaian informasi dengan media tersebut dapat television as the medium can be in the form of television
berupa iklan yang bersifat komersial dan tayangan commercials and/or educative exclusive publications
eksklusif yang edukatif, seperti talk show atau liputan such as talk show or special coverage.
khusus.
Pada tahun 2010, berikut rincian pemasangan iklan The followings were details of Bank Muamalat’s ad
atau tayangan elektronik Bank Muamalat. placements or electronic broadcasts in 2010.
Jenis Media/Media Types Jumlah Pemasangan Iklan/ Total Advertising

Media Elektronik/Electronic Media
A. Televisi/Television
a. SCTV 49
b. Trans TV 266
c. TVOne 354
d. Anteve 387
e. TPI/MNC 321
f. Trans7 144
g. RCTI 85

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203
Jenis Media/Media Types Jumlah Pemasangan Iklan/ Total Advertising

Media Elektronik/Electronic Media
B. Radio/Radio
a. Radio Dangdut TPI 240
b. i-Radio 160
c. Female Radio 240
d. Trijaya FM 160
e. Jak FM 256
f. Delta FM 240
g.Benz Radio 80
h. MGT FM 80
i. Gajahmada FM 80
j. Retjo Buntung FM 80
k. Suara Surabaya 80
l. Prapanca 80
m. Arbes 80
n. LA Nugraha FM 80
o. Smart FM Makassar 80
p. Nirwana 80
q. Smart FM Balikpapan 80
Media Luar Ruang Outdoor Media

Selain melalui media internet, media massa cetak Besides Internet, print and electronic media, Bank
dan media massa elektronik, Bank Muamalat juga Muamalat also uses outdoor media to deliver information
menggunakan media luar ruang sebagai sarana or promotion, such as:
penyampaian informasi atau promosi yang berupa :
1. Placement iklan pada pintu elevator Gedung 1. Ad placement at four elevator doors of Gedung
Arthaloka sebanyak 4 titik Arthaloka
2. Placement iklan pada billboard JPO Dukuh Atas 2. Ad placement on Billboard on Pedestrian Bridge
Arthaloka sebanyak 5 titik (JPO) Dukuh Atas
3. Placement iklan pada billboard Bandara 3. Ad placement on Billboard in Soekarno Hatta Airport
Internasional Soekarno Hatta sebanyak 1 titik

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b. Pemberitaan b. News Release

Publisitas melalui pemberitaan diyakini memiliki Publicity through news release is deemed to have a big
kontribusi amat besar dalam membangun citra positif contribution in developing positive corporate image. A
Perseroan. Tercatat total pemberitaan dan editorial total number of editorial/news releases in national mass
pada media massa nasional sejumlah 621 kali dengan media is 621 with the following details:
rincian sebagai berikut :
Jumlah Pemberitaan/Editorial Bank Muamalat 2010/

Total Coverage / Editorial Muamalat 2010
Bulan/Month Berita/News
Januari/January : 21
Februari/February : 29
Maret/March : 50
April/April : 57
Mei/May : 56
Juni/June : 33
Juli/July : 53
Agustus/August : 107
September/September : 30
Oktober/October : 84
November/November : 54
Desember/December : 47
Total : 621

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205
c. Kegiatan atau Event, dan Sponsorship c. Activities or Events, And Sponsorships

Penyebaran informasi juga dilakukan melalui kegiatan The information dissemination is also done by means
atau event, dan sponsorship sebagai salah satu alat of activities or events, and sponsorships as tools to
dalam menyebarkan informasi. disseminate information.

Annual Report
5.5.13 Korespondensi BAPPEPAM-LK 5.5.13. Correspondence with Bapepam-LK

Sebagai salah satu bentuk komitmen pelaksanaan As one of the commitments in GCG implementation,
GCG, terutama prinsip transparansi, Bank Muamalat especially the transparency principle, Bank Muamalat
selalu melakukan korespondensi dengan BAPPEPAM- regulary corresponds with the Capital Market Supervisory
LK yang terkait lainnya. Selama tahun 2010, Bank Agency and other relevant financial institutions. During
Muamalat telah melakukan korespondesi dengan 2010, Bank Muamalat had the following correspondence:
lembaga-lembaga tersebut, antara lain :
No Tanggal/Date Perihal/Description
1 31 Mar 2010 Placement Laporan Keuangan Triwulan Periode Desember 2009 di 2 (dua) surat kabar yaitu Republika dan
Media Indonesia.
The Quarterly Financial Report for December 2009 Period Placement in 2 (two) newspapers, which are
Republika and Media Indonesia.
2 30 Apr 2010 Placement Laporan Keuangan Triwulan Periode Maret 2010 di surat kabar Republika.
The Quarterly Financial Report for March 2010 Period in Republika Daily.
3 5 May 2010 Penyampaian Agenda Rapat Umum Pemegang Saham Tahunan kepada Bursa Efek Indonesia.
The Delivery of the Agenda of the Annual General Meeting of Shareholders to Indonesia Stock Exchange.
4 5 May 2010 Penyampaian Agenda Rapat Umum Pemegang Saham Tahunan kepada BAPEPAM-LK Departemen
Keuangan RI.
The Delivery of the Agenda of Annual General Meeting of Shareholders to the Capital Market Supervisory
Agency - Financial Institution of the Republic of Indonesia.
5 5 May 2010 Penyampaian Agenda Rapat Umum Pemegang Saham Tahunan kepada Direktorat Perbankan Syariah Bank
Indonesia.
The Delivery of the Agenda of Annual General Meeting of Shareholders to Directorate of Sharia Banking.
6 18 May 2010 Penyampaian Laporan Tahunan 2009 kepada BAPEPAM-LK Departemen Keuangan RI.
The Delivery of the Annual Report 2009 to Capital Market Supervisory Agency - Financial Institution of the
Republic of Indonesia.
7 18 May 2010 Penyampaian Agenda Rapat Umum Pemegang Saham Luar Biasa kepada BAPEPAM-LK Departemen
Keuangan RI.
The Delivery of Extraordinary General Meeting of Shareholders agenda to Capital Market Supervisory
Agency - Financial Institution of the Republic of Indonesia.
8 18 May 2010 Penyampaian Agenda Rapat Umum Pemegang Saham Luar Biasa kepada Bursa Efek Indonesia.
The Delivery of the Agenda of Extraordinary General Meeting of Shareholders to Indonesia Stock Exchange.
9 18 May 2010 Penyampaian Agenda Rapat Umum Pemegang Saham Luar Biasa kepada Direktorat Perbankan Syariah
Bank Indonesia.
The Delivery of the Agenda of Extraordinary General Meeting of Shareholders to Directorate of Sharia
Banking, Bank Indonesia.
10 12 May 2010 Penyampaian Perubahan Jadwal Rapat Umum Pemegang Saham Tahunan kepada Bursa Efek Indonesia.
The Delivery of the Change of Schedule of the Annual General Meeting of Shareholders to Indonesia Stock
Exchange.
11 12 May 2010 Penyampaian Perubahan Jadwal Rapat Umum Pemegang Saham Tahunan kepada BAPEPAM-LK
Departemen Keuangan RI.
The Delivery of the Change of Schedule of the Annual General Meeting of Shareholders to Capital Market
Supervisory Agency-Financial Instituion of the Republic of Indonesia.
12 12 May 2010 Penyampaian Perubahan Jadwal Rapat Umum Pemegang Saham Tahunan kepada Direktorat Perbankan
Syariah Bank Indonesia.
The Delivery of the Change of Schedule of the Annual General Meeting of Shareholders to Directorate of
Sharia Banking, Bank Indonesia.
13 18 May 2010 Penyampaian Laporan Tahunan 2009 kepada Direktorat Perbankan Syariah Bank Indonesia.
The Delivery of 2009 Annual Report to Directorate of Sharia Banking, Bank Indonesia.
14 20 May 2010 Penyampaian Bukti Publikasi Pemberitahuan kepada Bursa Efek Indonesia mengenai Panggilan RUPS
Tahunan kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 20 Mei 2010 yaitu Bisnis
Indonesia dan Republika.
The Delivery of Publication Evidences to Indonesia Stock Exchange about the calls of Annual GMS to all
Shareholders in 2 (two) newspapers on 20 May 2010, which were Bisnis Indonesia and Republika.
15 20 May 2010 Penyampaian Bukti Publikasi Pemberitahuan kepada Direktorat Perbankan Syariah Bank Indonesia
mengenai Panggilan RUPS Tahunan kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal
20 Mei 2010 yaitu Bisnis Indonesia dan Republika.
The Delivery of Publications Evidence to Directorate of Sharia Banking, Bank Indonesia about the calls of
Annual GMS to all Shareholders in 2 (two) newspapers on 20 May 2010, which were Bisnis Indonesia and
Republika.
16 20 May 2010 Penyampaian Bukti Publikasi Pemberitahuan kepada BAPEPAM-LK Departemen Keuangan RI mengenai
Panggilan RUPS Tahunan kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 20 Mei
2010 yaitu Bisnis Indonesia dan Republika.
The Delivery of Publications Evidence to Capital Market Supervisory Agency - Financial Institution of the
Republic of Indonesia about the calls of Annual GMS to all Shareholders in 2 (two) newspapers on 20 May
2010, which were Bisnis Indonesia and Republika.

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17 21 May 2010 Surat Pengantar untuk Pernyataan Pendaftaran dalam Rangka Penawaran Umum Terbatas IV PT Bank
Muamalat Indonesia Tbk ("PUT IV Bank Muamalat") kepada BAPEPAM-LK Departemen Keuangan Republik
Indonesia.
The Letter for Registration Statement on LImited Public Offering IV PT Bank Muamalat Indonesia, Tbk (“PUT
IV Bank Muamalat”) to Capital Market Supervisory Agency - Financial Institution of the Republic of Indonesia.
18 26 May 2010 Pernyataan Manajemen dalam Bidang Akuntansi tentang Laporan Keuangan untuk Tahun yang berakhir 31
Desember 2009 dan 2008, kepada BAPEPAM-LK Departemen Keuangan Republik Indonesia.
The Management Statement in Accounting Field about Financial Statement for the years ended 31 December
2009 and 2008, to Capital Market Supervisory Agency - Financial Institution of the Republic of Indonesia.
19 27 May 2010 Penyampaian Bukti Publikasi RUPSLB kepada BAPEPAM-LK Departemen Keuangan RI mengenai
Pemberitahuan RUPS Luar Biasa kepada Seluruh Pemegang Saham serta Bukti Publikasi Prospektus
Ringkas Penawaran Umum Terbatas IV dengan Hak Memesan Efek (HMETD) di 2 (dua) surat kabar pada
tanggal 27 Mei 2010 yaitu Bisnis Indonesia dan Republika.
The Delivery of Publications Evidence of the Extraordinary GMS to Capital Market Supervisory Agency -
Financial Institution of the Republic of Indonesia about the calls of Extraordinary GMS to all Shareholders
along with the Publication Evidence of Prospectus about the Limited Public Offering IV and Rights Issue in 2
(two) newspapers on 27 May 2010, which were Bisnis Indonesia and Republika.
20 31 May 2010 Konfirmasi Keterlambatan Penyampaian Penyampaian Laporan Tahunan 2009 kepada BAPEPAM-LK
Departemen Keuangan RI.
Conformation of the late Delivery of 2009 Annual Report to the Capital Market Supervisory Agency - Financial
Institution of the Republic of Indonesia.
21 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada Pemeringkat Efek Indonesia (PEFINDO).
The Delivery of 2009 Annual Report to PEFINDO.
22 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada Asosiasi Bank Syariah Indonesia (ASBISINDO).
The Delivery of 2009 Annual Report to ASBISINDO.
23 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada Perhimpunan Bank-Bank Umum Nasional (PERBANAS).
The Delivery of 2009 Annual Report to PERBANAS
24 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada Institute Bankir Indonesia (IBI).
The Delivery of 2009 Annual Report to Indonesian Bankers Institution.
25 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada Lembaga Riset UI.
The Delivery of 2009 Annual Report to University of Indonesia Research Institution.
26 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada PPM Institute of Management.
The Delivery of 2009 Annual Report to PPM Institue of Management.
27 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada Majalah SWA .
The Delivery of 2009 Annual Report to SWA Magazine
28 4 Jun 2010 Penyampaian Laporan Tahunan 2009 kepada Majalah InfoBank.
The Delivery of 2009 Annual Report to InfoBank Magazine.
29 7 Jun 2010 Penyampaian Laporan Tahunan 2009 serta Lampiran Tanda Terima dari Lembaga-Lembaga Terkait yang
telah menerimanya kepada Direktorat Perbankan Syariah Bank Indonesia.
The Delivery of 2009 Annual Report with the receipt from related Institutions to Directorate of Sharia Banking,
Bank Indonesia.
30 7 Jun 2010 Penyampaian Bukti Publikasi Panggilan kepada BAPEPAM-LK Departemen Keuangan RI mengenai
Panggilan RUPS Tahunan kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 5 Juni
2010 yaitu Bisnis Indonesia (halaman 3) dan Republika (halaman 5).
The Delivery of Evidence of the Publication Call to Capital Market and Supervisory Agency - Financial
Institution of the Republic of Indonesia about the calls of Annual GMS to all the Shareholders in 2 (two)
newspapers on 5 June 2010, which were Bisnis Indonesia (page 3) and Republika (Page 5).
31 7 Jun 2010 Penyampaian Bukti Publikasi Panggilan kepada Direktorat Perbankan Syariah Bank Indonesia mengenai
Panggilan RUPS Tahunan kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 5 Juni
2010 yaitu Bisnis Indonesia (halaman 3) dan Republika (halaman 5).
The Delivery of Evidence of the Publication Call to Directorate of Sharia Banking, Bank Indonesia about
the calls of Annual GMS to all the Shareholders in 2 (two) newspapers on 5 June 2010, which were Bisnis
Indonesia (page 3) and Republika (Page 5).
32 7 Jun 2010 Penyampaian Bukti Publikasi Panggilan kepada Bursa Efek Indonesia mengenai Panggilan RUPS Tahunan
kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 5 Juni 2010 yaitu Bisnis Indonesia
(halaman 3) dan Republika (halaman 5).
The Delivery of Evidence of the Publication Call to Indonesia Stock Exchange about the calls of Annual GMS
to all the Shareholders in 2 (two) newspapers on 5 June 2010, which were Bisnis Indonesia (page 3) and
Republika (Page 5).
33 8 Jun 2010 Penyampaian Bukti Publikasi Panggilan kepada Direktorat Perbankan Syariah Bank Indonesia mengenai
Panggilan RUPS Luar Biasa kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 8 Juni
The Delivery of Evidence of the Publication Call to Directorate of Sharia Banking, Bank Indonesia about the
calls of Annual Extraordinary GMS to all the Shareholders in 2 (two) newspapers on 5 June 2010, which were
Bisnis Indonesia (page 3) and Republika (Page 5).

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34 8 Jun 2010 Penyampaian Bukti Publikasi Panggilan kepada BAPEPAM-LK Departemen Keuangan RI mengenai
Panggilan RUPS Luar Biasa kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 8 Juni
The Delivery of Evidence of the Publication Call to Capital Market and Supervisory Agency - Financial
Institution of the Republic of Indonesia about the calls of Annual Extraordinary GMS to all the Shareholders in
2 (two) newspapers on 5 June 2010, which were Bisnis Indonesia (page 3) and Republika (Page 5).
35 8 Jun 2010 Penyampaian Bukti Publikasi Panggilan kepada Bursa Efek Indonesia mengenai Panggilan RUPS Luar Biasa
kepada Seluruh Pemegang Saham di 2 (dua) surat kabar pada tanggal 8 Juni 2010 yaitu Bisnis Indonesia
dan Republika.
The Delivery of Evidence of the Publication Call to Indonesia Stock Exchange about the calls of Annual
Extraordinary GMS to all the Shareholders in 2 (two) newspapers on 5 June 2010, which were Bisnis
Indonesia (page 3) and Republika (Page 5).
36 21 Jun 2010 Surat Pengantar Perubahan dan atau Tambahan Informasi atas Pernyataan Pendaftaran Penawaran Umum
Terbatas IV ("PUT IV") PT Bank Muamalat Indonesia Tbk. Kepada BAPEPAM-LK Departemen Keuangan
Republik Indonesia.
Delivery Letter and or Additional Information on the Limited Public Offering IV (“PUT IV”) PT Bank Muamalat
Indonesia, Tbk, to Capital Market Supervisory Agency - Financial Institution of the Republic of Indonesia.
37 24 Jun 2010 Penyampaian Bukti Publikasi Informasi Tambahan Prospektus Ringkas dalam Rangka Penawaran Umum
Terbatas IV di 2 (dua) surat kabar yaitu Republika dan Investor Daily.
The Delivery of Publication Evidence on Additional Information of Prospectus in the LImited Public Offering IV
in 2 (two) newspapers, Republika and Investor Daily.
38 25 Jun 2010 Tambahan Informasi atas Pernyataan Pendaftaran dalam Rangka Penawaran Umum Terbatas IV ("PUT IV")
PT Bank Muamalat Indonesia kepada BAPEPAM-LK Departemen Keuangan Republik Indonesia.
Additional Information on the registration statement in the Limited Public Offering IV (“PUT”) PT Bank
Muamalat Indonesia to Capital Market of Supervisory Agency - Financial Institution of the Republic of
Indonesia.
39 28 Jun 2010 Pemberitahuan Efektifnya Pernyataan Pendaftaran (nomor surat S-5807/BL/2010) dari Departemen
Keuangan Republik Indonesia.
The Announcement of the Effectiveness of Registration Statement (Letter No. S-5807/BL/2010) from the
Ministry of Finance, Repulic of Indonesia.
40 30 Jun 2010 Penyampaian Hasil Rapat Umum Pemegang Saham kepada Perbankan Syariah Bank Indonesia dan
Penyampaian Publikasi Hasil RUPS kepada Seluruh Pemegang Saham di 2 (dua) surat Kabar pada tanggal
30 Juni 2010 yaitu Bisnis Indonesia dan Republika.
The Delivery of Result in the General Meeting of Shareholders to Sharia Banking, Bank Indonesia and the
Delivery of Evidence of GMS Result to all Shareholders in 2 (two) newspapers on 30 June 2010, which were
Bisnis Indonesia and Republika.
41 20 Jul 2010 Penyampaian Berita Acara Rapat Umum Pemegang Saham Tahunan yang diselenggarakan 28 Juni 2010
kepada Direktorat Perbankan Syariah Bank Indonesia.
The Delivery of Minutes of Meeting of the Annual General Meeting of Shareholders held on 28 June 2010 to
Directorate of Sharia Banking, Bank Indonesia.
42 30 Jul 2010 Placement Laporan Keuangan Triwulan Periode Juni 2010 di surat kabar Jurnal Nasional.
Placement of the Quarterly Financial Report for the period June 2010 in Jurnal Nasional Daily.
43 5 Aug 2010 Laporan Perubahan Komposisi Kepemilikan Bank kepada Bank Indonesia.
Report of Change in Composition of the Ownership of the Bank to Bank Indonesia.
44 12 Aug 2010 Laporan Realisasi Penggunaan Dana Hasil Penawaran Umum Terbatas (PUT) IV Dengan Hak Memesan Efek
Terlebih Dahulu (HMETD) kepada BAPEPAM-LK Departemen Keuangan Republik Indonesia.
Realization Report of the use of fund that resulted from the Limited Public Offering IV with Rights Issue to
Capital Market and Supervisory Agency - Financial Institution of the Republic of Indonesia.
45 20 Aug 2010 Laporan Hasil Pemeriksaan Khusus Mengenai Penjatahan Saham Sehubungan dengan Penawaran Umum
Terbatas (PUT) IV Bank Muamalat kepada BAPEPAM-LK Departemen Keuangan Republik Indonesia.
Report of Special Monitoring about the Quota of shares in relation with the Limited Public Offering IV of Bank
Muamalat to Capital Market and Supervisory Agency - Financial Institution of the Republic of Indonesia.
46 20 Sep 2010 Penyampaian Penerimaan Pemberitahuan Perubahan Anggaran Dasar, kepada Direktorat Perbankan Syariah
Bank Indonesia.
The Delivery of the Announcement of the Change in Articles of Association to Directorate of Sharia Banking,
Bank Indonesia.
47 29 Oct 2010 Placement Laporan Keuangan Triwulan Periode September 2010 di surat kabar Bisnis Indonesia.
Placement of the Quarterly Financial Report for the Period September 2010 in Bisnis Indonesia Daily.
48 25 Nov 2010 Informasi Terkait Pelaporan Perubahan Komposisi Kepemilikan Bank, kepada Direktorat Perbankan Syariah
Bank Indonesia.
Report of Related Information about the Change in the Bank’s Ownership Composition to Directorate of
Sharia Banking, Bank Indonesia.

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209
5.5.14. Etika Perusahaan 5.5.14. Ethics of the Company

Bank Muamalat senantiasa menjunjung tinggi etika Bank Muamalat always upholds the business ethics
bisnis yang berorientasi kepada kemaslahatan yang which is oriented in benefiting people’s needs and in
bermanfaat terhadap kepentingan orang banyak accordance with system, moral and faith that are based
sesuai dengan sistem, akhlak, dan akidah sesuai on sharia principles especially for the satisfactory of
prinsip syariah, khususnya kepuasan nasabah dan customers and stakeholders.
segenap pemangku kepentingan (stakeholder).
Dalam praktiknya, Bank Muamalat menuangkan In the practice, Bank Muamalat has realized the business
etika bisnis tersebut menjadi sebuah komitmen ethics into a commitment in the appointment of staff and
dalam pengangkatan staf dan pejabat yang akan officials who will take the incumbencies by taking oath of
memangku jabatan harus melalui prosesi sumpah office, both written and spoken, on 7 attitudes as code
jabatan secara lisan dan tertulis tentang pernyataan of conduct accountable in front of the top management
7 perilaku sebagai code of conduct yang harus with the pledges of:
dipertanggungjawabkan hadapan top manajemen
dengan janji :
t Mentaati peraturan perundang-undangan dan t Having complied with regulating laws and provisions
ketentuan perusahaan of the Company
t Memegang teguh rahasia bank dan perusahaan t Keeping the confidential level of the Bank and the
Company
t Tidak menerima dalam bentuk apapun terkait t Not receiving anything that relates to duty and
tugas dan jabatan position
t Menjunjung kehormatan perusahaan dan t Upholding the honor of the Company and
karyawan employees
t Bekerja sesuai dengan prinsip syariah t Working in accordance with sharia principles
t Berpegang teguh pada akhlak Islam dalam t Holding on to Islamic morals in everyday’s life
menjalani kehidupan sehari-hari
t Bertanggung jawab terhadap kesalahan dan t Responsible for any foul and violation
pelanggaran yang dilakukan

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TANGGUNG JAWAB SOSIAL PERUSAHAAN
CORPORATE SOCIAL RESPONSIBILITY
SYNERGY OF EFFORTS BY PROSPERITY AND THE ENVIRONMENT
SINERGI USAHA DENGAN KESEJAHTERAAN DAN LINGKUNGAN
BANK MUAMALAT INDONESIA SELALU BERKOMITMEN UNTUK MEWUJUDKAN TATANAN MASYARAKAT YANG
ADIL DAN MAKMUR SESUAI DENGAN PRINSIP DASAR PEREKONOMIAN SYARIAH.
Bank Muamalat is always committed to realizing just and prosperous communities in accordance with the foundation
principles of sharia economy.

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CORPORATE SOCIAL RESPONSIBILITIES
TANGGUNGJAWAB SOSIAL PERUSAHAAN
Tanggung Jawab Sosial Social Responsibility

Undang-Undang Republik Indonesia Nomor 25 Tahun Republic of Indonesia’s Law No. 25/2007 on Investment
2007 tentang Penanaman Modal mengamanahkan, stipulates that “all investments are required to carry
agar “Setiap penanaman modal berkewajiban out corporate social responsibility” (Article 15 section
melaksanakan tanggung jawab sosial perusahaan” b), and meet the requirements of Good Corporate
(Pasal 15 Ayat b), serta memenuhi ketentuan Good Governance (GCG) in relation to the distribution of the
Corporate Governance (GCG) terkait kewajiban Company’s social funds. Bank Muamalat has allocated
penyaluran dana sosial perusahaan. Untuk hal ini Corporate Social Responsibility (CSR) funds of 2.5% of
Bank Muamalat telah mengalokasian dana Corporate the Company’s profit.
Social Responsibility (CSR) sebesar 2,5 % dari laba
perusahaan.
Penyalurannya dilakukan melalui Baitulmaal Muamalat The distribution of the funds is channeled through
(BMM), Yayasan Dana Dakwah Pembangunan Baitulmaal Muamalat (BMM), Dana Dakwah
(YDDP) Majelis Ulama Indonesia (MUI) dan Ikatan Pembangunan Foundation (YDDP) of Indonesia Council
Cendekiawan Muslim se- Indonesia (ICMI). Aksi ini of Ulema (MUI) and Association of Indonesian Muslim
merupakan wujud dari komitmen Bank Muamalat Intellectuals (ICMI). This realization shows that Bank
untuk ikut andil memajukan ekonomi masyarakat Muamalat is committed to advancing the people’s
melalui usaha mikro dengan prinsip syariah. economy through sharia-based micro-businesses.

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BAITULMAAL MUAMALAT (BMM) BAITULMAAL MUAMALAT (BMM)

Baitulmaal Muamalat (BMM) merupakan yayasan Baitulmaal Muamalat (BMM) is a foundation established
yang didirikan oleh Bank Muamalat pada 16 Juni by Bank Muamalat on 16 June 2000 as the extension of
2000 sebagai perpanjangan tangan perseroan dalam the Company’s CSR functions and in doing other social
melaksanakan kegiatan CSR dan kegiatan sosial activities. During 2009 and 2010, BMM distributed 35%
lainnya. Selama tahun 2009 dan 2010 telah disalurkan of the allocated funds for CSR as mandated in General
35% dari alokasi dana CSR yang telah ditetapkan Meeting of Shareholders.
dalam Rapat Umum Pemegang Saham.
VISI : VISION :
Menjadi motor penggerak program kemandirian Becoming the driving force for people’s economic
ekonomi ummat menuju terwujudnya tatanan independence program toward the empowerment of a
masyarakat yang berkarakter, tumbuh dan peduli caring society with strong characters
(empowering a caring society)
MISI : MISSION :
t Melaksanakan program pemberdayaan ekonomi t To perform integral and comprehensive economic
dan sosial masyarakat secara terintegral dan and social empowering programs
komprehensif
t Membangun dan mengembangkan jaringan kerja t To build and develop network for empowering
pemberdayaan seluasnya people
Tahun 2010 merupakan periode penguatan organisasi The year 2010 was the period of consolidation and
dan jaringan BMM agar semakin dipercaya dan strengthening of the organization and its network, in order
senantiasa berprestasi dibidang perzakatan. to be more trusted and always gain the achievement on
zakat (alms) activities.
Pelaksanaan kegiatan sosial yang dilakukan BMM BMM’s social activities use the allocated funds from
bersumber dari alokasi dana CSR Bank Muamalat, Bank Muamalat’s CSR program, institution funds from
dana ZIS (Zakat, Infak, Sedekah) perseroan, karyawan ZIS (tithe, infak, alms) collected by Bank Muamalat, staff
dan nasabah Bank Muamalat, serta dana Non-ZIS and customers of Bank Muamalat and non-ZIS funds
perusahaan dan dana sosial lainnya. from companies and other social funds.

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Selama tahun 2010 telah disalurkan dana sosial In 2010 the organization distributed social funds
melalui BMM sebesar Rp 22,8 miliar. Dana tersebut totaling IDR 22.8 billion. The funds were distributed into
disalurkan dalam bentuk program yaitu : programs, such as:
1. Pemberdayaan Ekonomi (KUM3 dan KJKS 1. Economic empowerment (KUM3, KJKS KUM3 dan
KUM3) LKMS)
2. Santunan Pendidikan (ISS dan Orphan Kafala, 2. Education aid ( ISS and Orphan Kafala, Scholarship)
Beasiswa Yatim)
3. Santunan Sosial dan kemanusiaan 3. Social Aid
4. Santunan Kesehatan 4. Healthcare funds
5. Corporate Social Responsibility 5. Corporate Social Responsibility
6. Program Non-ZIS 6. Non-ZIS programs
7. Berbagi Cahaya Qurban 7. Berbagi Cahaya Qurban (Sharing the Sacrificial
Lambs during Idul Adha)
8. Pemberdayaan Wakaf 8. Wakaf (Property donation) empowerment
PROGRAM BMM BMM PROGRAMS

1. PEMBERDAYAAN EKONOMI 1. ECONOMIC EMPOWERMENT
BMM ikut mengembangkan ekonomi masyarakat kecil BMM takes part in developing Small Media Enterprises
dan menengah melalui program KUM3 (Komunitas through programs, such as Program KUM3 (Muamalat
Usaha Mikro Muamalat Berbasis Mesjid) dan Program Mosque-based Microbusiness Community) and Sharia
Lembaga Keuangan Mikro Syariah (LKMS). Microfunding Program (LKMS).
Dana yang telah disalurkan Baitulmaal Muamalat In 2010 Baitulmaal Muamalat distributed funds of IDR
untuk kedua program tersebut semasa tahun 2010 1.4 billion for the two programs.
sebesar Rp 1,4 miliar.
1.1. KUM3 (Komunitas Usaha Mikro Muamalat 1.1. KUM3 (Muamalat Mosque-based Microbusiness
Berbasis Mesjid) Community)
Merupakan salah satu program pendayagunaan It is a program chanelling funds from ZIS, with the
dana ZIS (Zakat, Infaq & Sedekah) yang aim of strengthening the faith and piety of mustahiq
bertujuan membangun keimanan dan ketakwaan or rightful recipients of funds/aids, improving their
mustahik serta peningkatan pendapatan melalui income through business assistance and loan of
pembinaan usaha dan pemberian pinjaman dana benevolence funds (Al Qardh).
kebajikan ( Al Qardh).
Visi Vision
Terwujudnya komunitas usaha mikro berbasis masjid Empowering the growth of strong and caring mosque-
yang berkarakter, tumbuh, dan peduli. based micro-business community.
Misi Mission
t Memfasilitasi komunitas usaha mikro melalui t To facilitate micro business community through the
pendayagunaan dana ZIS good use of ZIS funds
t Meningkatkan peran dan memakmurkan mesjid t To empower mosques
t Meningkatkan kesalihan peserta dan pihak yang t To support the growing faith and piety of participants
terlibat di dalamnya of the programs and other parties involved in the
programs

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t Mendorong berkembangnya bisnis peserta t To support the growth of business run by

participants
t Mendorong tumbuhnya kepedulian peserta t To empower participants to develop their awareness
Strategi Strategy
t Pembinaan Islam yang integral dan berkelanjutan t Integrated and continuous development
t Pendampingan usaha yang tersistem dan t Systematic and well-planned business assistance
terencana and
t Penumbuhan kepedulian sosial di sekitar wilayah t Development of social awareness around the
pemberdayaan empowered areas
Bentuk Kegiatan Form of Activities

t Penumbuhan modal sosial dalam masyarakat t Help toward the growth of people’s social capital by
dengan pembentukan kelompok yang solid dan forming solid and manageable groups
mudah dikendalikan
t Pembinaan mental spiritual peserta melalui t Mental and spiritual guidance through weekly Quran
kegiatan pengajian rutin pekanan teaching activities
t Pendampingan usaha melalui kegiatan pelatihan t Business assistance through training and marketing
dan fasilitasi pemasaran produk peserta of products made by the participants
t Pemberian dana kebajikan (Al Qardh) t Giving loans (benevolence funds or Al Qardh)
Sasaran Targets
Mustahik (fakir atau miskin) yang berdomisili di sekitar Mustahiq (indigent/destitute people) residing around
mesjid mitra program KUM3. Dengan kriteria sebagai the mosques partnering with KUM3 program, with the
berikut : following criteria:
r Fakir, yaitu seseorang yang memiliki harta t Fakir, a person with belongings or source of income
atau usaha, namun hanya mampu mencukupi but who can only fulfill 50% (or less) of his or her
50% atau kurang dari kebutuhan dasar dan basic needs, or If their monthly average income per
berpenghasilan rata-rata per bulan sebesar Rp person is IDR1,040,000 (in the city) or IDR 602,000
1.040.000,00 (kota) atau Rp 602.000,00 (desa) (in the village)
r Miskin, yaitu seseorang yang memiliki harta atau t Masakin, a person with belongings or source of
usaha, namun hanya mampu mencukupi 60%- income but who can only fulfill 60%-90% of his or
90% dari kebutuhan dasar, dan berpenghasilan her basic needs, and earns monthly average income
rata-rata per bulan sejumlah Rp 2.080.000,00 of IDR 2,080,000 (in the city) or IDR1,204,166 (in
(kota) atau Rp 1.204.166,00 (desa) the village)

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KRITERIA USAHA YANG AKAN DIBANTU CRITERIA OF BUSINESSES FOR ASSISTANCE
t Omset usaha tidak lebih dari Rp 5.000.000,00 t Business turnover not more than IDR 5,000,000.00
t Kepemilikan usaha sendiri t Homegrown Business
t Berusia antara 17 – 55 tahun t Owner’s age between 17 and 55 years old
t Memiliki rumah sendiri atau tinggal bersama t House owned by self or by family/a relative
keluarga
t Penanggung jawab utama merupakan pencari t Owner is main breadwinner
nafkah
t Berstatus menikah, kepala rumah tangga dan t Married, head of the family or having people
memiliki tanggungan ataupun janda dependents, or widower.
t Tidak memiliki hubungan darah dengan t No blood relation with assistant and mosque
pendamping, dan pengurus masjid (untuk managers (to avoid conflict of interest).
menghindari konflik kepentingan).
Berikut ikhtisar program KUM3 selama 2010 : Here’s an overview of the program KUM3 during 2010:
IKHTISAR PROGRAM KUM3 / SUMMARY OF KUM3 PROGRAM

Usaha Mikro / Microbusinesses : 4.697 Orang / people
Pendamping / Assistance : 185 Orang / people
Masjid / Mosques : 185 Masjid / mosques
Jumlah Kelompok / Number of groups : 231 Kelompok / groups
Penyebaran / Distribution : 24 Kota / cities/towns
Dana yang digulirkan / Funds distributed : Rp 10,69 Miliar / billion

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Alhamdullilah, pada Desember 2010 program Alhamdullilah, that in December 2010 BMM’s KUM3
KUM3 BMM telah mendapatkan penghargaan Best program received an award for Best Empowerment
Empowerment in Economic Program dari IMZ Award in Economic Program from IMZ Award (Indonesia
(Indonesia Magnificence of Zakat) dan sebagai 3rd Magnificence of Zakat) and earned the 3rd Rank as
Rank “The Best Lembaga Amil Zakat Nasional” dari “The Best Institution for National Zakat Aml” from Islamic
lembaga Islamic Social Responsibility (ISR) Award. Social Responsibility (ISR) Institution Award.
Hal ini menjadi bukti keseriusan Bank Muamalat This proves that Bank Muamalat and Baitulmaal
bersamaBaitulmaalMuamalat dalam mengembangkan Muamalat are serious in developing sharia-based micro
ekonomi mikro yang berbasis prinsip syariah. economy.
1.2. Program Koperasi Jasa Keuangan Syariah – 1.2. Sharia-Based Cooperatives Financial Services
Komunitas Usaha Mikro Muamalat Berbasis – Muamalat Mosque-Based Microbusiness
Masjid (KJKS – KUM3) Community (Kjks – Kum3)
Koperasi Jasa Keuangan Syariah – Komunitas Sharia-based Cooperatives Financial Services
Usaha Mikro Muamalat berbasis Mesjid adalah – Muamalat Mosque-based Microbusiness
suatu lembaga keuangan formal yang didirikan Community is a formal financial institution
melalui pemberdayaan usaha mikro muamalat established for the empowerment of mosque-
berbasis mesjid yang bertujuan menjaga based muamalat microbusinesses to maintain the
keberlangsungan program. continuation of the programs.
Koperasi Jasa Keuangan Syariah – Komunitas Sharia-Based Cooperatives Financial Services

Usaha Mikro Muamalat berbasis Mesjid (KJKS – Muamalat Mosque-Based Microbusiness
– KUM3) merupakan proses akhir dari program Community (KJKS – KUM3) is the final stage of
KUM3 di satu wilayah yang telah mengikuti KUM3 program at an area which has participated
tahapan program maksimal 2 tahun, kemudian in the program for a maximum of two (2) years. The
diarahkan mandiri dalam bentuk legalisasi institution will then direct the participants toward
kepemilikan dana amanah. Lalu dibentuk menjadi full independence in the form of legalization of
KJKS KUM3 sebagai wilayah yang berpredikat the ownership of amanah (trusteeship) fund. The

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baik dalam program pendampingan usaha dan organization then rates KJKS - KUM3 in the area
tingkat pengembalian. Program KUM3 tahun as having good rating in the business assistance
2010 telah berhasil membentuk 7 KJKS di 4 program and payback rate. In 2010 KUM3 program
wilayah KUM3 yang memiliki prestasi baik, yaitu : managed to establish seven (7) KJKS with good
achievement in four (4) KUM3 areas. They were :
Wilayah Program /
KJKS
Program Area
Jakarta KJKS Al Falah, Mampang-Jakarta Selatan
KJKS Kanal Mulia, Kelurahan Ngemplak
Semarang
KJKS Telaga Mulia, Pasar Satrio Wibowo, Padurungan
KJKS Rahmat, Mangku Negoro
Surabaya
KJKS Miftahul Jannah, Gubeng Jaya 2
KJKS Al Amin, Kp. Cek Syeh
Palembang
KJKS An Nur, Betung Sekayu
1.3. Pengembangan Lembaga Keuangan Mikro 1.3. Development of Micro-sharia Financial Institution
Syariah (LKMS) (LKMS)
Program ini bertujuan membantu, menumbuhkan, The program aims at helping, developing and
dan menguatkan Lembaga Keuangan Mikro strengthening Micro-sharia Financial institutions
Syariah (LKMS) di Indonesia melalui pemberian in Indonesia through capital funding, assistance,
modal, pendampingan, pelatihan, dukungan technological supports and others. Before this,
teknologi dan lain-lain. Program pemberdayaan programs for empowering and developing LKMS
dan pengembangan LKMS selama ini dilakukan were the collaboration of institutions, one of which
secara bersama dengan lembaga mitra, salah was Ministry of Cooperatives and Small-and-
satunya Kementrian Koperasi dan Usaha Kecil Medium Enterprises. The program is expected to
Menengah. Melalui program ini diharapkan help turn people into economically independent,
masyarakat dapat lebih mandiri secara ekonomi, empowered, communities and to grow with strong
berdaya dalam berkarya, menjadi masyarakat and caring characters.
yang tumbuh, serta berkarakter dan peduli.
LKMS 2010
Jumlah Portofolio Dana Kelolaan / Amount of Portfolio of funds
136.8 miliar / billion
managed
Jumlah BMT/ KJKS (Unit) / No. of BMT/ KJKS (Units) 1.626 Unit / Units
Jumlah Pengguna Dana / No. of funds users 127.445 Anggota / Members
Jumlah Wilayah (Propinsi, Kabupaten/Kota) / No. of area (Province, 33 Propinsi / Province
Regency/Town) 273 Kabupaten / Regencies

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2. PROGRAM PENDIDIKAN 2. EDUCATION PROGRAM

2.1. ORPHAN KAFALA 2.1. ORPHAN KAFALA
Orphan Kafala Program OIC Alliance adalah program Orphan Kafala Program OIC Alliance is an empowerment
pemberdayaan masyarakat, khususnya anak yatim program, especially for orphans and families of the
dan keluarga korban musibah gempa tsunami victims of the 2004 tsunami disaster in Nanggroe Aceh
di Nanggroe Aceh Darussalam yang merupakan Darussalam. The program is a collaboration of Islamic
program kerja sama antara Islamic Development Development Bank (IDB) and BMM.
Bank (IDB) dengan BMM.
Progam Kafala yang diamanahkan IDB kepada BMM Program Kafala, mandated by IDB to BMM, is in
sudah berjalan 3 tahun dengan jumlah penerima dana its third year with the number of recipients reaching
3.025 anak yatim di Aceh. Total dana beasiswa yang 3,025 orphans in Aceh. The total fund for scholarships
disalurkan pada tahun 2010 sebesar Rp 8,5 Miliar. distributed in 2010 reached IDR8.5 billion.
Kafala merupakan program jaminan anak yatim yang Kafala is an orphan insurance program which includes :
meliputi :
t Jaminan hidup melalui pemenuhan kebutuhan t Life insurance through the provision of daily needs
hidup sehari-hari
t Jaminan pendidikan melalui pemberian beasiswa t Education assistance through fulfillment of
scholarships
t Jaminan kesehatan. t Health insurance.
Realisasi program dilakukan berupa pengasuhan dan The program is implemented through routine assistance
pembinaan rutin untuk keagamaan dan akademik, and capacity building in religious and academic, mental
pembekalan mental, serta pelatihan kewirausahaan. empowerment and entrepreneurship training.
Beasiswa pendidikan diberikan kepada 367 anak Scholarships were given to 367 orphans and
yatim dan fakir miskin tingkat SD-SMU rata-rata impoverished children from elementary to senior high
sebesar Rp 250.000,00 per anak per bulan. Bantuan school levels, with the amount of aid reaching IDR
yang diberikan diharapkan dapat mendukung 250,000 for each child per month. With the assistance,
keberlangsungan pendidikan mereka agar menjadi they are expected to be able to continue their education
mandiri. so that they can become independent individuals.

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2.2. PROGRAM ISLAMIC SOLIDARITY SCHOOL (ISS) 2.2. ISLAMIC SOLIDARITY SCHOOL (ISS) PROGRAM
Islamic Solidarity School (ISS) adalah fasilitas Islamic Solidarity School (ISS) is an integrated education
pendidikan terpadu yang diperuntukan bagi anak facility for orphans, victims of Aceh tsunami disaster.
yatim korban tsunami Aceh. Sekolah ini dibangun Islamic Development Bank, in cooperation with Aceh
oleh Islamic Devlopment Bank bekerja sama dengan Besar local government, built the school. BMM manages
Pemerintah Daerah Aceh Besar. Pengelolaan sekolah and supervises the school, with Bank Muamalat as the
ini berada dibawah manajemen dan supervisi BMM sharia bank with the biggest network in Indonesia giving
yang didukung oleh Bank Muamalat sebagai bank its full support. The school has been operational since
syariah dengan jangkauan jaringan terluas di seluruh 2006, and is expected to provide high-quality education
Indonesia. Sekolah yang berdiri sejak tahun 2006 ini to the new generation of Acehnese.
diharapkan dapat memberikan pendidikan yang layak
bagi generasi penerus serambi mekah.
Sejak tanggal 25 Juni 2009, fasilitas terpadu untuk Since 25 June 2009, integrated facilities for orphans
anak yatim korban tsunami Aceh yang terletak di of the tsunami victims in Jantho, Aceh were handed
Jantho, Aceh ini telah diserahterimakan dari Islamic over from Islamic Development Bank to the Regional
Development Bank kepada Pemerintah Daerah Aceh Government of Aceh Besar, and BMM again gained
Besar dan BMM kembali mendapat kepercayaan the trust as the operator. The curriculum adopted is
sebagai operatornya. Kurikulum yang digunakan di the national curriculum supplemented by Islamic-based
sekolah ini adalah kurikulum nasional yang diperkuat curriculum and external programs. It is expected that
dan diperkaya dengan kurikulum pesantren dan people continuously support the school in order to
program eksternal. Sekolah ini diharapkan mendapat contribute to the school which can provide proper and
dukungan masyarakat dan terus berkelanjutan guna high-quality education to local young generation.
memberikan pendidikan yang layak dan berkualitas
bagi generasi penerus setempat.
Jumlah dana yang telah disalurkan selama 2010 The amount of funds distributed for the program in 2010
sebesar Rp 1,1 miliar. Berikut kegiatan yang telah was IDR 1.1 billion. The table lists activities carried out
dilakukan : by the program/school :
ISS 2010
ISS Diresmikan Presiden IDB / ISS
25 Jul 2006
Officially Opened by President of IDB
Jumlah Siswa Yatim / amount of orphan
131 Siswa / Students
students
Jumlah Guru dan Pengasuh / amount of
22 Orang / People
teachers and caretakers
8 asrama / 8 dorms, 12 ruang kelas / 12 classrooms, 3
laboratorium / 3 laboratories, 6 ruang ekstrakurikuler /
6 extracurricular room, 1 masjid / 1 mosque, 3 bus / 3
Fasilitas / Facilities buses, 1 sepeda motor / 1 motorcycle, sarana olahraga
/ sports facilities, 2 rumah staf / 2 staff houses, 12 kamar
/ 12 rooms, 1 kantin / 1 canteen, dan 1 perpustakaan /
and 1 library
Realisasi dana program ISS (2006 – 2010)
Rp 7,5 miliar / billion
/ Funds realized for ISS (2006 – 2010)

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221
2.3. PROGRAM BEASISWA PENDIDIKAN 2.3. SCHOLARSHIP PROGRAM

Salah satu wujud kepedulian perusahaan terhadap One of the ways which shows it that the company
pemerataan pendidikan anak bangsa tercermin dari shows it is concerned about the education of Indonesian
program santunan pendidikan berupa pemberian children is the educational aid program. With the
beasiswa kepada anak yatim dan miskin berprestasi, program, the company awards scholarships to orphans
sosialisasi kegiatan pendayagunaan, bantuan and underprivileged children who show potential.
pembangunan dan renovasi gedung sekolah di The program also promotes empowerment drive, and
beberapa wilayah di Indonesia. Dana yang telah provides aid for building and renovating school buildings
dikeluarkan untuk program ini semasa tahun 2010 in several areas in Indonesia. In 2010 the company
mencapai Rp 1,8 miliar. disbursed IDR 1.8 billion for this program.
BMM telah memberikan santunan tunai kepada BMM has distributed funds to 36,996 people and
36.996 orang dan 6 lembaga yaitu Fakultas Ilmu 6 institutions or bodies—Faculty of Education of
Pendidikan Universitas Muhammadiyah, Yayasan Muhammadiyah University, Budi Asih Foundation,
Budi Asih, Pondok Pesantren Assyafi iyah, Pesantren Assyafiiyah Islamic School, An-Nawawi Islamic School,
An-Nawawi, serta Forum Zakat untuk diteruskan Forum Zakat to distribute the aid to victims of natural
kepada korban bencana di Wasior dan Badan Wakaf disaster in Wasior, Papua, and Indonesian Wakaf
Indonesia. Foundation.
Table kegiatan pemberian beasiswa 2010 : Table indicates scholarship distribution for 2010 :
Nama Program Lokasi Penerima Manfaat

No.
Program’s Names Location Beneficiaries
Buaran 38 yatim / orphan
Bekasi 41 yatim / orphan
Beasiswa Dana
Cengkareng 26 yatim / orphan
1 Yatim / Orphan
Ciledug 18 yatim / orphan
Scholarships
Slipi 26 yatim / orphan
Bogor 13 yatim / orphan
Beasiswa untuk University Gunadarma, Depok 1 yatim / orphan
anak karyawan SMK Bina Karya Teknik, Bekasi 1 yatim / orphan
(karyawan yang
2 telah meninggal)
/ Scholarships for SMP Bisnis Informatika, Bekasi 1 yatim / orphan
children of staff
(deceased staff)
Perguruan Ar Risalah Padang 30 anak Dhuafa / Dhuafa children
Al Mubarak 46 anak Dhuafa / Dhuafa children
Bogor 10 anak Dhuafa / Dhuafa children
Beasiswa B SHARE /
3 Bekasi 1 anak Dhuafa / Dhuafa children
B SHARE Scholarship
Cengkareng 1 anak Dhuafa / Dhuafa children
Ciledug 1 anak Dhuafa / Dhuafa children
SMA 12 0 anak Dhuafa / Dhuafa children
STEI TAZKIA 10 mahasiswa/students
4 B SMART
STEI SEBI 10 mahasiswa/students

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Nama Program Lokasi Penerima Manfaat

No.
Program’s Names Location Beneficiaries
Medan (Telkom) 66 anak dhuafa/dhuafa children
5 Beasiswa Medan Medan (Indosat) 30 anak dhuafa/dhuafa children
Medan Share Peduli 20 anak dhuafa/dhuafa children
6 Beasiswa KRU Bank Muamalat 240 anak/children
anak korban bencana/children
ATM Gempa Jabar 200
victims
ATM Banjir Karawang 160
victims
7 Beasiswa ATM
ATM Gempa Padang 250
victims
ATM Banjir Bandung (Baleendah) 100
victims
Beasiswa Situ anak korban bencana/children
8 Ciputat 8
Gintung victims
Jumlah Total Penerima Manfaat / Total Number of beneficiaries 1.348

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223
3. PROGRAM SANTUNAN SOSIAL 3. SOCIAL AID PROGRAM

Total dana yang telah disalurkan oleh BMM pada tahun Total funds that was distributed by BMM in 2010 was IDR
2010 untuk program santunan sosial ini berjumlah Rp 6.4 billion for social aid program with 52,839 recipients.
6,4 miliar dengan 52.839 orang penerima manfaat.
3.1. PROGRAM AKSI TANGGAP MUAMALAT (ATM) 3.1. MUAMALAT RAPID RESPONSE PROGRAM (ATM)
Aksi Tanggap Muamalat (ATM) merupakan program Muamalat rapid Response Program ATM) is response
kemanusiaan untuk membantu korban bencana alam program in the event of natural disaster, such as
seperti gempa bumi dan banjir. Maraknya bencana earthquake and flood. Natural disasters, which quite
alam yang terjadi belakangan ini menumbuhkan frequently happen in indonesia, show the importance of
kesadaran akan pentingnya pengelolaan bantuan effective and continuous relief management program.
secara efektif dan berkelanjutan. Para pengungsi Refugees need more than aid and assistance in the
tak hanya membutuhkan bantuan sesaat setelah short period following the disaster. There are needs of a
terjadinya bencana. Namun memerlukan pemulihan program for the rehabilitation and recovery of the social
kondisi sosial-ekonomi seperti sediakala, sehingga and economic conditions of the area, and this requires
perlu perhatian khusus dalam jangka panjang. long term attention.
Penanganan bencana awan panas Gunung Merapi, In the event of Merapi volcanic eruption in Yogyakarta in
Yogyakarta tahun 2010 dilakukan lewat program ATM 2010, BMM through ATM program disbursed IDR 2 billion
dengan mengelontorkan dana sebanyak Rp 2 miliar. of aid. Emergency-phase direct aid was delivered on 26
Bantuan langsung tahap emergency dilaksanakan October 2010, which was followed by rehabilitation and
pada 26 Oktober 2010, dilanjutkan dengan program recovery program, in the form of construction of clean
perbaikan dan pemulihan (rehabilitation and recovery) water provision centers at eight locations in the disaster-
seperti pengadaan sarana sanitasi berupa air bersih struck area, health services, reconstruction of school
di 8 titik bencana, layanan kesehatan, perbaikan buildings and houses of worship, as well as scholarships
sekolah dan rumah ibadah, serta beasiswa bagi anak for local children.
korban.
Selain aksi tanggap bencana Merapi, Bank Muamalat Besides Merapi action response drive, Bank Muamalat
pun ikut aktif menangani bencana alam tsunami di is also active in providing aid for Mentawai post the
Mentawai. tsunami disaster.

Annual Report
3.2. PROGRAM SBL BERBAGI CAHAYA RAMADHAN 3.2. SBL BERBAGI CAHAYA RAMADHAN 1431 H
1431 H PROGRAM
Program memakmurkan dan berbagi kebahagiaan The program focuses on increasing the prosperity and
pada bulan Ramadhan 1431 H dilakukan dalam sharing the happiness during the Ramadhan month
bentuk santunan untuk Sahur, Berbuka, dan Lebaran 1431 H. The program is held in the forms of cash aid
(SBL) kepada 45.120 keluarga miskin, anak yatim for pre-dawn meal, breaking of the fast and celebrating
usia sekolah dan pengusaha mikro binaan BMM di Lebaran (SBL), distributed to 45.120 underprivileged
seluruh Indonesia dengan dana senilai Rp 3,9 miliar. families, school-age orphan children and micro-
Santunan yang diberikan sebesar Rp 250.000,00 per business entrepreneurs under the tutoring of BMM
orang, terdiri dari tabungan sejumlah Rp 100.000,00 around the country. Bank Muamalat disbursed a total
dan paket sembako senilai Rp 150.000,00 yang of IDR 3,9 billion for the program. Each person received
dimanfaatkan untuk memenuhi kebutuhan sahur dan IDR 250.000, comprising of IDR 100.000 cash and daily
berbuka selama bulan Ramadhan. staple package worth IDR 150.000 for pre-dawn meals
and the fast breaking during Ramadhan.
Acara tersebut difasilitasi dan diselenggarakan oleh Seventy-five branch offices in 33 provinces facilitated
75 kantor cabang Bank Muamalat yang tersebar and participated in the program, which aims at sharing,
di 33 propinsi dengan tujuan berbagi, peduli, dan showing care and love.
menanamkan kasih sayang.

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4. PROGRAM SANTUNAN KESEHATAN HEALTH CARE PROGRAM

Merupakan program layanan kesehatan Muamalat Muamalat health care program aims at helping the
yang diperuntukkan bagi masyarakat tidak mampu. underprivileged.
Jenis bantuan ini telah disalurkan BMM pada tahun In 2010 BMM disbursed IDR 423 million for :
2010 sebesar Rp 423 juta yang digunakan untuk :
- Biaya berobat bagi yang kurang mampu - Medical care for those who could not afford it
- Pengadaan mobil ambulance - Procuring ambulance service
- Bantuan pembangunan Rumah Sehat Terpadu - Building Integrated Hospital

Annual Report
5. PROGRAM CORPORATE SOCIAL RESPONSIBILITY 5. CORPORATE SOCIAL RESPONSIBILITY (CSR)

(CSR) PROGRAM
Bank Mumalat selalu berperan aktif dalam Bank Mumalat has always been active in efforts to
meningkatkan taraf hidup masyarakat melalui improve the standards of living of impoverished
program CSR, terutama bagi masyarakat di sekeliling communities through its programmed and continuous
perusahaan yang dilakukan terprogram dan CSR schemes, especially to people living around Bank
berkelanjutan. Muamalat offices.
Kebijakan internal Bank Muamalat menetapkan Bank Muamalat’s internal policy states that funds
bahwa dana CSR digunakan untuk kepedulian for CSR are used for social awareness programs,
sosial kemasyarakatan seperti Program Pendidikan, such as education, health, religious teaching and
Kesehatan, Dakwah & Sosial, serta Program Ekonomi social, programs productive economy and assistance
Produktif & Pendampingan. programs.
Realisasi Dana CSR melalui BMM adalah sebagai The summary of CSR funds through BMM runs as
berikut : follows:
t Penerimaan Dana CSR dari laba Bank Muamalat, t Cash inflow of CSR funds from Bank Muamalat on
20 April 2010 senilai Rp 1.558.919.663,00 20 April 2010 in the sum of IDR 1.558.919.663,00.
t Realisasi Penyaluran Dana CSR Bank Muamalat t Realization of the disbursement of Bank Muamalat
melalui BMM sebesar Rp 1.468.600.199,00, yang CSR funds through BMM amounting to IDR
dialokasikan sebagai berikut : 1.468.600.199,00, allocated for these sectors :
- Bidang Pendidikan, Sosial dan Dakwah - Education, Social and Religious Teaching with
sebesar Rp 839.902.200,00 dengan the amount of IDR 839.902.200,00 for 36.996
penerima manfaat 36.996 orang dan 6 recipients and 6 institutions
lembaga
- Bidang Kesehatan senilai Rp 628.697.999,00 - Health, amounting to IDR 628.697.999 for nine
dengan penerima manfaat 9 orang dan 2 individual recipients and two institutions
lembaga
t Sisa dana CSR Rp 90.319.464,00 akan t The remaining IDR 90.319.464,00 was allocated for
dialokasikan untuk kegiatan Muamalat Berbagi Muamalat Berbagi Rezeki program
Rezeki

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227
6. PROGRAM NON-ZIS 6. NON ZIS PROGRAM

Untuk dana Non-ZIS yang dikelola oleh BMM sampai Non ZIS funds managed by BMM as of December
dengan akhir Desember 2010 berjumlah Rp 2,3 miliar 2010 was recorded at IDR 2,3 billion from IDR 66
dari semula sebesar Rp 66 juta pada Januari 2010. million recorded in January 2010. The sources of the
Dananya bersumber dari jasa giro bank konvensional funds were conventional checking account received
yang diterima oleh Bank Muamalat, sehingga harus by Bank Muamalat. The funds are to be used in 2011
digunakan untuk kegiatan sosial tahun 2011 untuk for social programs not related to religious activities
program yang bukan bersifat ibadah dan bermanfaat and whose benefits reach the targets regardless their
bagi kemaslahatan tanpa membedakan golongan, group affiliation, religion, race and ethnic groups. The
agama, ras dan suku, lewat kegiatan : programs are :
t Program Go-Green penanaman pohon dan t Go Green program in the form of planting trees and
pengadaan tempat sampah providing garbage disposal units
t Pembuatan MCK (mandi,cuci,kakus) Umum di t Construction of public lavatories at specific places
tempat yang membutuhkan
t Pembuatan dan pengerasan jalan ke lokasi t Road construction/hardening to religious schools
pondok pesantren terpencil located in remote areas
t Pendirian sport centre sebagai media pembinaan t Construction of sport centers which function as the
anak yatim, anak jalanan, dan anak terlantar place for empowering orphans, street children and
abandoned children

Annual Report
7. PROGRAM CAHAYA KURBAN 7. QURBAN PROGRAM

Program Kurban Baitulmaal Muamalat dilaksanakan Baitulmaal Muamalat Qurban program is an annual
setiap tahunnya dengan menyalurkan hewan kurban program of distributing sacrificial lambs to underprivileged
kepada masyarakat yang tidak mampu di seluruh families around the country, especially in the areas under
Indonesia, terutama di wilayah binaan BMM dan the support of BMM and areas suffering from natural
diprioritaskan untuk daerah yang terkena bencana disasters. Program Qurban 1431 H was launched in the
alam. Program kurban 1431 H dilakukan di daerah areas suffering from mount Merapi eruption, Yogyakarta,
bencana Gunung Merapi, Yogyakarta dan tsunami and Mentawai tsunami in Sumatera. BMM was also
Mentawai. BMM juga mendapat kepercayaan entrusted with managing the sacrifices and the meat
masyarakat untuk menyelenggarakan hewan distribution. In 2010 BMM distributed 289 sacrificial
kurbannya. Semasa tahun 2010 berhasil menyalurkan animals, comprising eight cows and 283 lambs/goats.
289 ekor hewan kurban yang terdiri dari 8 ekor sapi They are distributed to areas suffering from Mount
dan 283 ekor kambing yang dialokasikan ke wilayah Merapi disasters in Yogyakarta and tsunami-stricken
bencana Gunung Merapi di Yogyakarta, tsunami di Mentawai, to areas where BMM helped empowering
Mentawai, wilayah pemberdayaan BMM untuk anak the orphans in Aceh, and in Jatiluhur near Jakarta where
yatim di Aceh, serta wilayah pemberdayaan ekonomi BMM helped empowering the economy.
di Jatiluhur

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229
WAKAF WAKAF
Wakaf Tunai Muamalat adalah metode wakaf dengan Wakaf Tunai Muamalat is a method of donating for
menggunakan uang. Dana wakaf yang terhimpun akan religious and social uses. The fund collected was
dikelola oleh manajer investasi dengan menggunakan managed by the investment management using sharia-
produk investasi syariah seperti deposito, reksadana, based investment products such as time deposit, mutual
dan sukuk. Manfaat investasi akan didayagunakan funds and sukuk (Islamic bonds). The benefits from the
untuk aktivitas pemberdayaan masyarakat kurang investment were used for empowerment underprivileged
mampu. people :
t Alternatif Dana wakaf : t Alternatives of wakaf fund:
1. Rp 100.000,00 untuk Bronze 1. IDR 100.000,00 for Bronze
2. Rp 250.000,00 untuk Silver 2. IDR 250.000,00 for Silver
3. Rp 500.000,00 untuk Gold 3. IDR 500.000,00 for Gold
4. Rp 1.000.000,00 ke atas untuk Platinum 4. IDR 1.000.000,00 or up for Platinum
t Pemberian dana oleh wakif (pemilik dana) disertai t When wakif (fund contributor) gives his wakaf fund,
dengan penyerahan sertifikat dari BMM sesuai he receives certificate from BMM based on the
nominal dana yang diserahkan. amount of fund he or she donates.
KEUNGGULAN & MANFAAT : BENEFITS :

t Pahala amal jariah yang tidak terbatas t Heavenly rewards
t Dana sosial abadi untuk berbagai program t Enduring social funds for various empowerment
pemberdayaan umat programs

Annual Report
REALISASI PENDAYAGUNAAN DANA WAKAF SUMMARY OF IMPLEMENTATION OF WAKAF

FUNDS
KAMPUNG JAMUR – CIPUTIH KAMPUNG JAMUR – CIPUTIH
Kampung Jamur, Ciputih merupakan daerah Kampung Jamur, Ciputih was chosen as recipient area
program realisasi pendayagunaan dana wakaf yang for realizing of the empowered wakaf funds. It is located
berlokasi di Desa Sukajaya, Kecamatan Sukajaya, at Sukajaya village, Sukajaya district, Bogor regency,
Kabupaten Bogor, Jawa Barat. Program tersebut West Java. The program focused on land wakaf of 1,5
dikembangkan di atas tanah wakaf seluas 1,5 hektar, hectares belonging to H. Ridwan, HR. the land used to
milik H. Ridwan, HR yang sebelumnya berbentuk be idle then it was used as the center for mushrooms
lahan kosong dan diubah menjadi pusat produksi plantation by 423 mustahik. The mushroom planted is
jamur yang dimanfaatkan oleh 423 mustahik. Jamur white oyster mushrooms (Pleurotusostreatus) with the
yang dikembangkan saat ini berupa jamur Tiram production reaching 2.000 bags (medium). The harvest
Putih dengan jumlah produksi pembuatan sebanyak reacheds12.000 kg/month, and the marketing area is
2.000 buah baglog (media tanam). Jumlah produksi restricted around Bogor. The production development
saat panen mencapai 12.000 kg/bulan. Wilayah process is still ongoing with the target set at 40.000
pemasaran masih terbatas di kawasan Bogor – Jawa bags, and the cost for this program already realized is
Barat. Proses pengembangan produksinya masih IDR 216 million.
terus dilakukan dengan target 40.000 buah baglog
dengan biaya yang telah direalisasikan sebesar Rp
216 juta.

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231
Agenda Kegiatan Sosial 2010/Social Events 2010

Waktu Pelaksanaan
Program Kegiatan Tempat Kegiatan
Time/Period of the Program
Programs Activities Location
Launching Realization
ATM (Aksi Tanggap Muamalat) / Muamalat Action Response
Beasiswa Terpadu Muamalat Tasikmalaya 05 May 2010
Untuk Korban Gempa Pangalengan- May - Dec 2010
14 May 2010
Muamalat Integrated Scholarship Bandung
for Earthquake Victims Arjasari-Bandung
Pembagian Sarana Ibadah
- ATM Gempa Jabar (mukena dll)
Arjasari
/ ATM for West Java Distribution of Praying facilities
Earthquake (mukena and others)
Pemberian Bantuan Sarana Masjid
Pangalengan
Aid for Mosque facilites
Pembagian Sembako
Disribution of Basic Needs/Staple
foods
Launching program & pembagian
- ATM Gempa Sembako, sarana ibadah
Sagaranten-Suka
Sukabumi / ATM for Program launching & staple foods/
Bumi
Sukabumi Earthquake basic needs, praying facilities
distribution
Beasiswa Terpadu untuk korban
Gempa Kurao Pagang-
24 Jun 2010 Jul Dec 2010
ntegrated Scholarships for victims Padang
of Earthquake
- ATM Gempa Sumbar Maransi-Padang
/ ATM for West
Padang Baru-
Sumatra Earthquake
(Periode Juli 2010 - Juni 2011)/ Padang
(July 2010 - June 2011 period) Pariaman-Padang
Sicincin-Padang
Kuraitaji-Padang
Pembagian Sembako Kampung Melayu-
22 Feb 2010 01 Feb 2010
Basic need distribution Jaktim
- ATM Banjir Jakarta /
Layanan Kesehatan
ATM for Jakarta flood Jatinegara-Jaktim
Health services
Fogging Bidara Cina-Jaktim

Annual Report

Waktu Pelaksanaan
Pembagian Sembako Balee Endah-
17 Apr 2010 17 Apr 2010
Basic needs distribution Bandung
- ATM Banjir Bandung
Layanan Kesehatan
ATM for Bandung
Health services
flood
Pembinaan Masyarakat
People’s empowerment
Pembagian Sembako
Karawang Barat 27 Apr 2010 27 Apr 2010
Basic needs distribution
Layanan Kesehatan
Tanjung Pura
Health services
Pengadaan Air Bersih
Adiarsa
- ATM Banjir Clean Water Distribution
Karawang ATM for Pembagian peralatan sekolah
Tanjung Mekar
Karawang flood School facilties distribution
Fogging
Beasiswa Terpadu Muamalat untuk
korban Banjir Karawang
29 Dec 2010
Muamalat Integrated scholarships
for victims of Karawang flood
Launching/Seremonial 18-19 Nov
Magelang 18-19 Nov 2010
Program Launching 2010
- ATM Erupsi Gunung Layanan Kesehatan
Sleman Yogyakarta
Merapi Yogyakarta Health services
ATM for Mount Merapi Ternak Ayam
Klaten 27 Dec 2010
Eruption - Yogyakarta Chicken poultry
Pembangunan Masjid
27 Dec 2010
Mosque recontruction
- ATM Gempa &
Tsunami Mentawai
Sumatera Barat
ATM for Earthquake Mentawai 06 Dec 2010
and Tsunami in
Mentawai, West
Sumatera
PENDIDIKAN / EDUCATION
Beasiswa
Kalimas-Bekasi 27 Aug 2010 Jul - Dec 2010
Scholarships
Pembinaan Spiritual
- Dana Yatim-DAYA / Buaran-Jaktim
Spiritual counseling
Dana Yatim-DAYA
Pembinaan
(Orphan Funds) Cengkareng-Jakbar
Skill/Skills Training
Bantuan kesehatan
Ciledug-Tangerang
Health assistance

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233

Waktu Pelaksanaan
Beasiswa untuk mahasiswa S1
- B.Smart Scholarships for undergraduate STEI Tazkia Bogor 27 Aug 2010 Jul - Dec 2010
students
Beasiswa untuk siswa SD-SMU Jakarta Barat 27 Aug 2010 Jul - Dec 2010
- B.Share Scholarships for Elementary to Padang
High School level students Jakarta Timur
- B. Share Medan
kerjasama Telkomsel
Beasiswa untuk SD-SMU/
& Indosat/B. Share
Scholarships for Elementary to Medan
Medan cooperating
High School level students
with Telkomsel &
Indosat
- Beasiswa Korban
banjir Situ Gintung/ Beasiswa untuk SD-SMU
Situ Gintung- Nov 2010-Dec
Scholarships for Scholarships for Elementary to
Tangerang 2010
victims of Situ Gintung High School level students
disaster
- Beasiswa Prestasi-
anak Kru Muamalat
non Banking staff/ Beasiswa untuk SD-SMU
Achievement Scholarships for Elementary to Selindo
Scholarship -children High School level students
of KRU Muamalat non
Banking staff
- Beasiswa Prestasi-
anak Alm. Kru
Muamalat non
Banking staff/ Beasiswa untuk SD-SMU
Achievement Scholarships for Elementary to Selindo
Scholarship –Children High School level students
of the deceased
Kru Muamalat non
Banking staff
- Pemberdayaan
Pesantren An
Pesantren/ Beasiswa & Kafala Guru
Nawawi Tanara- Mar - Dec 2010
Empowerment of Scholarship & Kafala Teachers
Serang-Banten
Islamic Schools

Annual Report

Waktu Pelaksanaan
Bantuan Pendidikan
Selindo
Education aids
Bantuan Kesehatan
SANTUN (Santunan Selindo
Health aids
Tunai Muamalat)/
SANTUN -Santunan Bantuan sosial Umum
Tunai Muamalat (Pembangunan masjid, kegiatan
(Muamalat Cash Aids) keagamaan dll)
Selindo
General social aids (Construction
of mosques, religious activities
and others)
Santunan untuk Sahur, Berbuka &
Berbagi Cahaya
Lebaran (SBL) 11 Agustus - 6
Ramadhan/Share the Selindo
Aids for pre-dawn meals, breaking September 2010
Light of Ramadhan
the fast, Lebaran (SBL)
Penyembelihan dan penyaluran Mentawai, Padang,
17-19 November
QURBAN hewan Qurban/Sacrificing and Aceh, Weleri,
2010
distribution of qurban Yoryakarta, Klaten
Pinjaman AQH Jan - Desember
AQH Selindo
AQH Loan 2010
COMMUNITY DEVELOPMENT PROGRAM LAINNYA OTHER COMMUNITY DEVELOPMENT PROGRAMS

Selain melalui BMM, dana CSR Bank Muamalat Besides channeling the funds through BMM, Bank
juga disalurkan kepada Yayasan Dana Dakwah Muamalat also assists Dana Dakwah Pembangunan
Pembangunan (YDDP) Majelis Ulama Indonesia Foundation (YDDP) of Indonesia Council of Ulema (MUI)
(MUI) dan Ikatan Cendekiawan Muslim se-Indonesia and Association of Indonesian Muslim Intellectuals
(ICMI) untuk program Community Development Fund, (ICMI) for Community Development Fund program. The
dengan pembagian masing-masing sebesar 35% dari allocation was 35% each of CSR funds, stipulated as
alokasi dana CSR yang telah ditetapkan dalam Rapat decided in General Meeting of Shareholders on 28 June
Umum Pemegang Saham pada 28 Juni 2010. 2010.
Selama tahun 2009 dan 2010 ICMI telah melaksanakan During 2009 and 2010 ICMI launched community
program community development dengan beberapa development program with several activities, among
kegiatan antara lain : others :
t Program Agroforesty dengan penanaman t Agroforestry program, with the planting of trees on
pohon seluas 5 hektar di Hutan Rakyat Arjasari an area of five (5) hectares at Arjasari community
Kabupaten Bandung forest, Bandung regency
t Pelatihan Wirausaha t Entrepreneurship training
t Kajian Konsolidasi Ekonomi t Economic consolidation study
t National Leadership Training t National Leadership Training
t Program Pendidikan dan Pemberdayaan t Women Education and Empowerment Program
Perempuan.

Annual Report
235
Pada tahun 2010 Bank Muamalat juga menyalurkan In 2010 Bank Muamalat also distributed a portion of its
porsi dana CSR tahun 2008 dan 2009 senilai Rp CSR funds from fiscal years of 2008 and 2009 in the
906,5 juta untuk menunjang kegiatan Yayasan Dana amount of IDR 906,5 million to support programs from
Dakwah Pembangunan (YDDP) Majelis Ulama Dana Dakwah Pembangunan Foundation (YDDP) of
Indonesia dalam bentuk : Indonesian Council of Ulema. The programs included :
t Sosialisasi Perbankan Syariah t Sharia banking socialization

t Penerbitan Fatwa oleh Komisi Fatwa MUI t Fatwa publication by MUI Fatwa Commission
t Kegiatan kerja sama internasional dengan Saudi t International cooperation with Saudi Arabia,
Arabia, Malaysia, Amerika Serikat, dan Iran Malaysia, the United States of America and Iran
t Bimbingan rohani bagi narapidana di Lembaga t Religious counseling for inmates at penitentiaries
Pemasyarakatan
t Penyuluhan ibadah dan bimbingan keagamaan t Religious guidance for Indonesian migrant workers
bagi TKI/TKW

Annual Report

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Expanding The Market With

Solid Business Foundation

Laporan Tahunan Memperluas Pasar dengan Landasan Bisnis yang Kokoh

2010 Solid Business Foundation

EXPANDING THE MARKET WITH SOLID BUSINESS FOUNDATION

Ikhtisar Utama Profil Perusahaan

Laporan Manajemen Halaman / Pages

16 Board of Commissioners Profile

18 Board of Directors Profile

22 Human Resources Highlight

2010 Laporan Tahunan

Halaman / Pages Halaman / Pages

Pembahasan Manajemen dan Halaman / Pages

105 Tanggung Jawab Sosial

128 Halaman / Pages

Tata Kelola Perusahaan

4 2010 Laporan Tahunan

KETERANGAN 2010 2009 2008 2007 2006 DESCRIPTION

PENDAPATAN PENGELOLAAN DANA LABA OPERASIONAL LABA BERSIH

6 2010 Laporan Tahunan

JUMLAH AKTIVA DANA PIHAK KETIGA JUMLAH EKUITAS

KETERANGAN 2010 2009 2008 2007 2006 DESCRIPTION

Non Performings Earning

Pembiayaan terhadap Dana Pihak Financing to Deposits Ratio

2010 Laporan Tahunan

Jumlah / Total 3.734.670.165 1.950.000.000.000 100,00

Jumlah / Total 1.400.004.552 782.667.193.500 100,00

8 2010 Laporan Tahunan

DIVIDEN PER LEMBAR SAHAM

Kronologis Saham / Chronological Shares

2010 Laporan Tahunan

Komposisi Kepemilikan Saham Desember 2010

KOMPOSISI KEPEMILIKAN SAHAM (DESEMBER 2010)

Atwill Holdings Limited

10 2010 Laporan Tahunan

Kronologis Sukuk Subordinasi Mudharabah / Chronological Subordinated Mudharabah Sukuk

Peringkat Sukuk Subordinasi Mudharabah 2008

PT Fitch Rating Indonesia A- (idn) A- (idn) A- (idn)

2010 Laporan Tahunan

Ringkasan Bagi Hasil Sukuk Subordinasi Mudharabah 2008

TOTAL 205.923.732.921,23 13,74%

PERBANDINGAN IMBAL HASIL SUKUK SUBORDINASI MUDHARABAH BANK MUAMALAT 2008

12 2010 Laporan Tahunan

K.H. Ma’ruf Amin

Assalamualaikum Warahmatullahi Wabarakatuh

14 2010 Laporan Tahunan

SELAMA TAHUN 2010, BANK MUAMALAT MENUNJUKKAN PENINGKATAN KINERJA YANG

Wassalamualaikum Warahmatullahi Wabarakatuh

K.H. Ma’ruf Amin

2010 Laporan Tahunan

16 2010 Laporan Tahunan

Wassalamualaikum Warahmatullahi Wabarakatuh

2010 Laporan Tahunan

Dr. Widigdo Sukarman

18 2010 Laporan Tahunan

Assalamualaikum Warahmatullahi Wabarakatuh

Pemegang Saham yang Kami Hormati, Honorable Shareholders,

2010 Laporan Tahunan

20 2010 Laporan Tahunan

Wassalamualaikum Warahmatullahi Wabarakatuh

Dr. Widigdo Sukarman

2010 Laporan Tahunan

Ir. Arviyan Arifin