PT Bank UOB Buana Annual Report 2010 Laporan Tahunan 2010 PT Bank UOB Buana Annual

279 Pages·2011·4.27 MB·Indonesian

www.uobbuana.com PT Bank UOB Buana
Annual Report 2010
PT Bank UOB Buana Laporan Tahunan 2010
Head Offi ce
UOB Plaza
Jl. M.H. Thamrin No. 10
Jakarta 10230, Indonesia
Phone : [phone] (Hunting)
Fax : [phone]
Swift : BBIJIDJA
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Lotus Pond - Being and Continuing
Kolam Bunga Teratai - Wujud Kehidupan dan Keberlanjutan
Chua Ek Kay (1947-2008)
COVER ACC_iMac.indd 1 4/8/11 3:08 PM
To be a premier bank in Indonesia,
committed to providing quality products
and excellent customer service.
Menjadi bank terkemuka di
Indonesia, berkomitmen untuk
menyediakan produk-produk berkualitas
dengan pelayanan yang prima.
Lotus Pond – Being and Continuing
Kolam Bunga Teratai – Wujud Kehidupan
dan Keberlanjutan
Chua Ek Kay (1947-2008)
A recipient of Singapore’s Cultural Medallion
Award, Chua is best known for bridging
Eastern and Western elements in his paintings.
He is the fi rst Chinese ink painter to win the
UOB Painting Of The Year (“POY”) Competition.
Using Chinese ink as a medium, Chua brings out
Contents Daftar Isi
the beauty and spirit of the lotus at various
1 2010 Key Highlights Peristiwa Penting di Tahun 2010
periods of its life, capturing the graceful
4 Corporate Structure Struktur Perusahaan
movements of the lotus for posterity.
6 UOB Buana at a Glance Sekilas UOB Buana
The UOB POY Competition and Exhibition is a
8 Corporate Milestone Tonggak Sejarah Perusahaan
fl agship event under the Bank’s corporate
10 Five-Year Financial Summary Ikhtisar Keuangan Lima Tahun
social responsibility programme.
16 Event Highlights Kegiatan Penting
22 Awards and Accolades Penghargaan dan Pengakuan
24 Report of the President Laporan Komisaris Utama Chua, penerima penghargaan Singapore’s
Commissioner Cultural Medallion Award, dikenal karena
28 Report of the President Director Laporan Direktur Utama menggabungkan berbagai unsur dunia Barat
34 Board of Commissioners Dewan Komisaris dan Timur dalam karya-karya lukisannya.
40 Board of Directors Direksi Ia adalah pelukis tinta Cina pertama yang
46 Management’s Discussion and Analisa dan Pembahasan memenangkan kompetisi UOB Painting Of The
Analysis Manajemen Year (“POY”). Dengan menggunakan tinta Cina,
74 Corporate Governance Tata Kelola Perusahaan Chua berhasil menampilkan keindahan dan
132 Financial Statements Laporan Keuangan karakter bunga teratai dalam berbagai tahap
261 Corporate Information Informasi Perusahaan kehidupannya, merangkum keanggunan bunga
262 Organisational Structure Struktur Organisasi teratai bagi generasi yang akan datang.
264 Product and Service Produk dan Jasa Kompetisi dan pameran UOB POY merupakan
268 Senior Offi cers Pejabat Senior acara unggulan dalam program tanggung
270 Offi ce Network Jaringan Kantor jawab sosial Bank.
All fi gures in this Annual Report are in Rupiah unless otherwise specifi ed.
Laporan Tahunan ini disajikan dalam mata uang Rupiah, kecuali disebutkan sebaliknya.
COVER ACC_iMac.indd 2 4/8/11 3:08 PM
2010 Key Highlights
Peristiwa Penting di Tahun 2010
Becoming a Premier Bank
in Indonesia
2010 was a landmark year for PT Bank UOB Buana
(“UOB Buana”).
l On 10 May 2010, the Bank successfully relocated
its Head Office to Jakarta’s central business
district. The new UOB Plaza is equipped with
state-of-the-art technology and infrastructure to
support our growth in Indonesia.
l On 19 July 2010, we completed the merger with
PT Bank UOB Indonesia (“UOB Indonesia”) to
comply with Bank Indonesia’s Single Presence
Policy. The synergies created from this merger will
strengthen UOB Buana’s presence in Indonesia’s
banking industry.
Menjadi Bank yang
Terkemuka di Indonesia
Tahun 2010 merupakan tonggak penting bagi
PT Bank UOB Buana (“UOB Buana”).
l Pada tanggal 10 Mei 2010, Bank berhasil merelokasi
Kantor Pusatnya ke pusat bisnis Jakarta. Gedung
baru UOB Plaza tersebut dilengkapi dengan
teknologi dan infrastruktur yang canggih, untuk
mendukung pertumbuhan kami di Indonesia.
l Pada tanggal 19 Juli 2010, dalam rangka memenuhi
ketentuan Bank Indonesia mengenai Kepemilikan
Tunggal, kami berhasil menyelesaikan proses
merger dengan PT Bank UOB Indonesia (“UOB
Indonesia”). Sinergi yang tercipta dari merger ini
akan semakin memperkokoh keberadaan UOB
Buana diindustri perbankan Indonesia.
Shareholder Structure of PT Bank UOB Buana/Struktur Pemegang Saham PT Bank UOB Buana
Before the Merger/Sebelum Merger
UOB UOB ST
99% 1%
100%
PSM UOBII ST
0.003% 98.997% 1.000%
UOBB UOBI
After the Merger/Setelah Merger
Notes:
UOB
PSM : Minority Shareholders/Pemegang Saham
100% Minoritas
ST : Sukanta Tanudjaja
UOBII PSM ST
UOB : United Overseas Bank Limited
30.056% 68.942% 0.002% 1.000% UOBB : PT Bank UOB Buana
UOBI : PT Bank UOB Indonesia
UOBB UOBII : UOB International
Investment Private Limited
Following the merger, all of UOB Indonesia’s assets and Setelah merger, aset dan kewajiban UOB Indonesia
liabilities were legally transferred to UOB Buana and dipindahkan secara hukum ke UOB Buana dan
UOB Indonesia was disolved by law. In line with the UOB Indonesia berakhir karena hukum. Sejalan dengan
Bank’s commitment to transparency, and to share material komitmen Bank mengenai transparansi dan keterbukaan
information with all of our stakeholders, the merger plan informasi yang material kepada seluruh stakeholders,
was published in Bisnis Indonesia daily national newspaper ringkasan rancangan merger telah dipublikasikan di Harian
on 1st and 9th of March 2010 and posted on our website. Bisnis Indonesia pada tanggal 1 dan 9 Maret 2010 serta
ditayangkan dalam website Bank.
UOB Buana is well-recognised as a bank with a focus UOB Buana telah dikenal sebagai Bank yang fokus pada
on small and mid-sized businesses, and a strong retail segmen Usaha Kecil dan Menengah serta memiliki basis
customer base. UOB Indonesia is known for its corporate nasabah ritel yang kuat. Sedangkan UOB Indonesia
banking business that offers customers a suite of treasury dikenal memiliki kekuatan pada segmen perbankan
products and services. korporat dan menawarkan rangkaian produk dan layanan
tresuri yang lengkap.
The synergy created from the merger provide customers Sinergi yang tercipta dari penggabungan kedua bank,
with a broader distribution network, a comprehensive range menghasilkan jaringan distribusi yang lebih luas, rangkaian
of enhanced products and services. produk yang lebih komprehensif dan pelayanan
yang lebih baik.
2 PT BANK UOB BUANA
Strong Financial
Result Financial Summary 2010 2009 +/(-)%
Statements of Income (Rp million)
Income from operations - net 1,172,219 1,009,462 16
Net income after tax 706,063 443,922 59
Balance sheets (Rp million)
Total assets 38,302,125 33,434,060 15
Loans 27,449,061 23,405,582 17
Deposits 28,262,921 26,154,306 8
Total equity 6,905,878 6,090,331 13
Financial indicators (%)
Return on assets 3.31 3.03 9
Return on equity 14.48 12.97 12
Loan to deposits ratio 97.10 89.47 9
NPL - net 2.24 2.28 (2)
CAR for credit risk 24.42 26.39 (8)
Balance Sheet Returns Assets Quality
Loans Return on Equity Non Performing
Loan (gross)
+17% +12%
2.78%
from Rp23,405 billion to Rp27,449 billion from 12.97% to 14.48%
Deposits Return on Assets
+8% +9%
Liquidity
from Rp26,154 billion to Rp28,262 billion from 3.03% to 3.31%
Loan to Deposit Ratio
Tier 1 Capital Net Interest Income to
Average Total Earning Assets 97.10%
+15% +5%
from Rp5,563 billion to Rp6,409 billion from 5.85% to 6.17%
Having achieved significant milestones in 2010, our solid performance coupled with the successful merger have positioned UOB Buana for its continued growth in
the competitive banking sector, and its development into a Premier Bank in Indonesia.
Setelah mencapai tonggak sejarah yang signifikan pada tahun 2010, kinerja kami yang solid dan pelaksanaan merger yang sukses, menempatkan UOB Buana pada
pertumbuhan yang berkelanjutan di sektor perbankan yang kompetitif dan berkembang menuju Bank terkemuka di Indonesia.
PT BANK UOB BUANA 3
Corporate Structure
Struktur Perusahaan
About United Overseas Bank (“UOB”)
34.21% UOB is a leading bank in Asia. Besides PT Bank UOB Buana in Indonesia and Far Eastern
Public/Masyarakat Bank in Singapore, UOB’s major banking subsidiaries in the region are United Overseas
Bank (Malaysia), United Overseas Bank (Thai) and United Overseas Bank (China). Today,
the UOB Group has a network of over 500 offices in 19 countries and territories in Asia
Pacific, Western Europe and North America.
HSBC (Singapore) 6.20%
UOB provides a wide range of financial services through its global network of branches,
Nominees Pte Ltd offices, subsidiaries and associates: personal financial services, private banking,
commercial and corporate banking, investment banking, corporate finance, capital
market activities, treasury services, futures broking, asset management, venture capital
management, insurance and stockbroking services. UOB also has diversified interests
DBSN Service Pte 7.54% in travel and property management. In Singapore, UOB is a market leader in the credit
Ltd card and private residential home loan businesses. It is also a key player in loans to small
and medium enterprises. Its asset management arm, UOB Asset Management, is one
of Singapore’s most awarded fund managers with a growing regional presence. UOB is
rated among the world’s top banks by Moody’s Investors Service, receiving B for financial
Wee Investment 7.57% strength, and Aa1 and Prime-1 for long-term and short-term bank deposits respectively.
s Private Ltd
e
ar
h
S
y
nar Citibank Nominees 16.31% United Overseas Bank Ltd
di Singapore Pte Ltd
Or
100%
United Overseas Bank 8.88%
UOB International
Nominees (Pte) Ltd Others/Lainnya
Investment Private Ltd
Wah Hin & Company 5.27% 1.002% 30.056% 68.942%
Private Ltd
PT Bank UOB Buana
DBS Nominees 14.02%
Pte Ltd
Mengenai United Overseas Bank (“UOB”)
Citibank Nominees 18.45% UOB adalah Bank terkemuka di Asia. Selain PT Bank UOB Buana di Indonesia dan
Singapore Pte Ltd Far Eastern Bank di Singapura, UOB juga memiliki anak perusahaan lain seperti United
Overseas Bank (Malaysia), United Overseas Bank (Thai) dan United Overseas Bank
(China). Saat ini, Grup UOB memiliki jaringan lebih dari 500 kantor yang tersebar di 19
negara di Asia Pasifik, Eropa Barat dan Amerika Utara.
e
c United Overseas Bank 10.62%
n UOB menawarkan rangkaian layanan keuangan melalui jaringan kantor global, anak
e Nominees (Pte) Ltd
er perusahaan dan perusahaan asosiasi, seperti jasa keuangan personal, private banking,
ef perbankan komersial dan korporasi, investment banking, corporate finance, kegiatan
Pr pasar modal, layanan tresuri, pialang berjangka, manajemen aset, manajemen modal
E ventura, asuransi dan jasa perantara perdagangan efek. UOB juga melebarkan sayap
ss HSBC (Singapore) 5.27% usaha pada segmen biro perjalanan dan manajemen properti. Di Singapura, UOB
Cla Nominees Pte Ltd merupakan pemimpin pasar untuk kartu kredit dan kredit kepemilikan rumah. UOB juga
merupakan pemain kunci untuk segmen pinjaman usaha kecil dan menengah. Anak
usahanya, UOB Asset Management, merupakan salah satu fund managers yang memiliki
pertumbuhan secara regional. UOB, yang disejajarkan dengan bank besar lainnya di dunia
65.66% oleh perusahaan pemeringkat Moody’s Investors Services, mendapat peringkat B untuk
Public/Masyarakat
kinerja keuangan serta Aa1 dan Prime-1 masing-masing untuk deposito bank jangka
panjang dan jangka pendek.
4 PT BANK UOB BUANA

UOB Buana at A Glance
Sekilas UOB Buana
PT Bank UOB Buana (“Bank”) was founded as PT Bank Buana PT Bank UOB Buana (“Bank”) didirikan dengan nama PT Bank
Indonesia on 31 August 1956. The Bank grew strongly in the Buana Indonesia pada tanggal 31 Agustus 1956. Pertumbuhan
1970s. Mergers and acquisitions marked the expansion of the Bank cukup pesat pada tahun 1970-an. Merger dan akuisisi
bank during this period. Between 1972 and 1975, the Bank menandai ekspansi Bank selama periode tersebut. Antara
acquired PT Bank Pembinaan Nasional, PT Bank Kesejahteraan tahun 1972 sampai dengan 1975, Bank mengakuisisi PT Bank
Masyarakat and PT Bank Aman Makmur, located in Bandung, Pembinaan Nasional, PT Bank Kesejahteraan Masyarakat dan
Semarang and Jakarta respectively. PT Bank Aman Makmur yang masing-masing berlokasi di
Bandung, Semarang dan Jakarta.
A turning point for the Bank took place in 1976, when the Bank Sebuah titik balik Bank terjadi pada tahun 1976, dimana Bank
was granted a foreign-exchange bank license. At that time only mendapat ijin sebagai bank devisa. Pada saat itu, hanya sekitar
about 20% of banks in Indonesia was granted this status. Since 20% dari seluruh bank di Indonesia yang memperoleh status
then the Bank has developed into one of the country’s leading sebagai bank devisa. Sejak saat itu, Bank berkembang menjadi
bank in foreign currency and trade finance specialists. The Bank salah satu bank yang memiliki spesialisasi pada mata uang asing
also focused on its growth through the 1980s, with the opening dan trade finance terkemuka di negeri ini. Bank juga mencatat
of more than 100 branch offices throughout the country. By 1990, pertumbuhan sepanjang 1980-an, dengan membuka lebih dari
the Bank had become Indonesia’s twelfth largest bank. 100 kantor cabang di seluruh Indonesia. Tahun 1990, Bank
merupakan bank kedua belas terbesar di Indonesia.

The Bank was one of the few banks in Indonesia that survived Bank juga merupakan salah satu Bank di Indonesia yang selamat
the Asian financial crisis in 1997 without the need for government dari krisis keuangan Asia pada tahun 1997 tanpa perlu mendapat
re-capitalisation. In 2000, the Bank was successfully listed on the rekapitalisasi dari pemerintah. Pada tahun 2000, Bank merubah
Jakarta Stock Exchange and Surabaya Stock Exchange (which statusnya menjadi perusahaan publik dengan mencatatkan
subsequently merged to form the Indonesian Stock Exchange). sahamnya pada Bursa Efek Jakarta dan Bursa Efek Surabaya
(yang kemudian bergabung sebagai Bursa Efek Indonesia).
In 2003, the Bank began a new chapter in its history when Tahun 2003, Bank memulai sejarah baru ketika sebuah anak
the International Finance Corporation (“IFC”), a subsidiary of perusahaan dari Bank Dunia, International Finance Corporation
the World Bank, became its first foreign shareholder through (“IFC”), menjadi pemegang saham asing pertama pada Bank
its Limited Public Offering II. IFC subsequently divested its melalui Penawaran Umum Terbatas II. IFC kemudian melepaskan
shareholding in 2005. kepemilikan saham pada tahun 2005.
In 2004, United Overseas Bank Limited (“UOB”) acquired a 23% Pada tahun 2004, United Overseas Bank Limited (“UOB”)
stake in the Bank through its wholly owned investment company, melalui UOB International Investment Private Limited (“UOBII”),
UOB International Investment Private Limited (“UOBII”). UOB perusahaan investasi milik UOB, mengakuisisi 23% saham Bank.
through UOBII affirmed its commitment to the Indonesian banking UOB, melalui UOBII, mempertegas komitmennya pada industri
industry by increasing its ownership of the Bank to 61.11% at the perbankan Indonesia dengan meningkatkan kepemilikannya pada
end of 2005. Bank menjadi sebesar 61,11% pada akhir tahun 2005.
6 PT BANK UOB BUANA
Banking Hall - UOB Plaza
At the Extraordinary General Meeting of Shareholders, held on Sesuai keputusan Rapat Umum Pemegang Saham Luar Biasa
January 2007, the Bank officially changed its name to yang dilaksanakan pada bulan Januari 2007, Bank resmi
PT Bank UOB Buana, Tbk. menyandang nama PT Bank UOB Buana, Tbk.
In October 2008, through tender offer, UOBII increased its Pada bulan Oktober 2008, melalui tender offer, kepemilikan
shareholding in the Bank to 98.997% and this was followed by the UOBII terhadap saham Bank kembali meningkat menjadi sebesar
Bank officially de-listing from Indonesia Stock Exchange. 98,997% dan dilanjutkan dengan pengunduran diri dari Bursa
Efek Indonesia.
In 2010, PT Bank UOB Buana (“UOB Buana”) took a landmark Pada tahun 2010, PT Bank UOB Buana (“UOB Buana”)
step by merging with PT Bank UOB Indonesia to comply with mengambil langkah besar dengan melakukan penggabungan
Bank Indonesia’s Single Presence Policy. The merger was usaha (merger) dengan PT Bank UOB Indonesia untuk memenuhi
approved by the Governor of Bank Indonesia on 10 June 2010. kebijakan Bank Indonesia mengenai Kepemilikan Tunggal pada
In addition, the merger created strong business synergy with Perbankan Indonesia (SPP). Merger tersebut disahkan Gubernur
increased market penetration and expanded market segments in Bank Indonesia pada tanggal 10 Juni 2010. Selain itu, merger ini
the national banking industry. juga menciptakan sinergi usaha yang kuat dengan meningkatnya
penetrasi pasar dan memperluas pangsa pasar di industri
perbankan nasional.
UOB Buana service network comprises 41 branch offices, 172 Jaringan pelayanan UOB Buana terdiri dari 41 kantor cabang,
sub-branch offices and 132 ATMs across 30 cities in 18 provinces 172 kantor cabang pembantu dan 132 ATM yang tersebar di 30
in Indonesia. UOB Buana also collaborates with the ATM Bersama kota di 18 provinsi di Indonesia. UOB Buana juga bekerja sama
network, VISA network, and UOB’s regional ATM network so that dengan jaringan ATM Bersama, VISA dan jaringan regional ATM
customers have 24-hours access to banking services, whether UOB sehingga nasabah dapat lebih mudah mengakses layanan
they are in Indonesia or abroad. perbankan 24 jam dimana pun mereka berada, baik di Indonesia
maupun di luar negeri.
Since the very beginning, UOB Buana has consistently focused Sejak awal, UOB Buana secara konsisten fokus pada pelayanan
to on the needs of retail customers, distributors as well as small kebutuhan nasabah ritel khususnya usaha kecil menengah
to medium enterprises (“SME”). These sectors have been proven (“UKM”). Sektor ini telah terbukti lebih tahan terhadap periode
more resilient during the difficult economic periods. ekonomi yang paling sulit sekalipun.
In line with UOB’s vision to be “The Premier Bank in Asia Pacific”, Kedepannya, sejalan dengan visi UOB untuk menjadi salah satu
UOB Buana is fully committed to expanding its business in “The Premier Bank in Asia Pacific”, UOB Buana berkomitmen
consumer and corporate banking, while maintaining its leadership untuk mengembangkan bisnis di perbankan konsumer dan
in the SME financing segment. With the presence of an extensive korporasi, dan mempertahankan keunggulannya di segmen
service network, effective information technology systems, sound pembiayaan UKM. Dengan adanya jaringan pelayanan yang
capital structure and valuable human resources, UOB Buana aims luas, sistem teknologi informasi yang efektif, struktur permodalan
to create sustainable long term value for its stakeholders. yang sehat dan sumber daya manusia yang berkompeten, UOB
Buana bertujuan untuk menciptakan nilai jangka panjang yang
berkelanjutan bagi para stakeholders.
PT BANK UOB BUANA 7
Corporate Milestone
Tonggak Sejarah Perusahaan
The Bank was founded as Acquired PT Bank Pembinaan Acquired PT Bank Kesejahteraan Acquired PT Bank Aman
PT Bank Buana Indonesia and Nasional, Bandung. Masyarakat, Semarang. Makmur, Jakarta.
commenced operations.
Pendirian dan operasional Melakukan akuisisi terhadap Melakukan akuisisi terhadap Melakukan akuisisi terhadap
bank dengan nama PT Bank Pembinaan PT Bank Kesejahteraan PT Bank Aman
PT Bank Buana Indonesia. Nasional, Bandung. Masyarakat, Semarang. Makmur, Jakarta.
1956 1972 1974 1975
International Finance
Corporation (“IFC”),
a subsidiary of World Bank,
became the first foreign
shareholder of the Bank
through Limited Public
2003
Offering II.
Bergabungnya International
2004 2005
Finance Corporation (“IFC”)
sebagai pemegang saham
asing pertama melalui
Penawaran Umum Terbatas II.
UOB International Investment IFC divested its stake
Private Limited (“UOBII”) became in the Bank.
the second largest shareholder
after PT Sari Dasa Karsa.
Issued Subordinated Bond I. UOBII increased its ownership
to 61.11% and became the
majority shareholder.
UOB International Investment IFC melepaskan seluruh
Private Limited (“UOBII”) kepemilikan saham pada Bank.
menjadi pemegang saham
terbesar kedua setelah
PT Sari Dasa Karsa.
Penerbitan Obligasi UOBII menjadi pemegang
Subordinasi I. saham mayoritas dengan
kepemilikan saham
sebesar 61,11%.
8 PT BANK UOB BUANA