memperkuat pilar-pilar pertumbuhan strengthening …...obligasi, sukuk atau obligasi konversi lain...
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Strengthening growth PillarSMeMPerkuat Pilar-Pilar PertuMbuhan
Laporan Tahunan 2016 annuaL reporTpT Bank panin DuBai Syariah TBk
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01kilaS kinerJa 2016 performance highlights 20162 ikhtisar Keuangan Financial highlights4 grafik Kinerja Utama Key Performance Chart5 ikhtisar Saham Stock highlights5 Pergerakan Saham di 2016 Shares Movement in 20166 ikhtisar obligasi Bond highlights6 ikhtisar waran warrant highlights7 Penghargaan awards8 Peristiwa Penting event highlights
02lapOran ManaJeMen ManageMent repOrtS10 laporan Dewan Pengawas Syariah Board of Sharia Supervisory report12 laporan Dewan Komisaris Board of Commissioners report18 laporan Direksi Board of Directors report22 Struktur grup Perusahaan Corporate group Structure
• Surat Pernyataan anggota Dewan Komisaris tentang tanggung Jawab atas laporan tahunan 2016 Pt Bank Panin Dubai Syariah tbk
Statement of Members of Board of Commissioners regarding the responsibility for 2016 annual report of Pt Bank Panin Dubai Syariah tbk
• Surat Pernyataan anggota Direksi tentang tanggung Jawab atas laporan tahunan 2016 Pt Bank Panin Dubai Syariah tbk
Statement of Members of Board of Directors regarding the responsibility for 2016 annual report of Pt Bank Panin Dubai Syariah tbk
03prOFil peruSahaanCOMpany’S prOFile27 informasi Umum Perusahaan Company’s general information29 akses informasi dan Data Perusahaan access to information and Corporate Data30 Jejak langkah Milestone
Daftar Isi T a b le O f C o nte nt s
32 Sejarah Singkat Perusahaan the Company’s Brief history33 Kegiatan Usaha Business activities38 Produk dan layanan Product and Services 39 alamat Perusahaan dan Kantor Cabang Company and Branch offices’ address40 Struktur organisasi Perusahaan Company’s organizational Structure41 Visi dan Misi Vision and Mission42 Budaya Perusahaan Corporate Culture43 Profil Dewan Pengawas Syariah Profile of the Board of Sharia Supervisory44 Profil Dewan Komisaris Profile of the Board of Commissioners47 Profil Direksi Profile of the Board of Directors47 Profil anggota Komite Profile of Committee Member48 Profil Sekretaris Perusahaan Profile of Corporate Secretary48 Profil Kepala Unit audit internal (SKai) Profile of head of SKai49 Profil Pejabat eksekutif Profile of the executive officers50 Komposisi Pemegang Saham Shareholders Composition50 Daftar Pemegang Saham 5% atau lebih list of Shareholders owning More than 5%51 Daftar 20 Pemegang Saham terbesar list of top 20 Shareholders51 Jumlah Pemegang Saham lokal dan asing number of local and Foreign Shareholders52 Kepemilikan Saham anggota Dewan Komisaris
dan anggota Direksi Shares ownership of the Members of the
Board of Commissioners and the Member of Board of Directors
52 entitas anak, entitas asosiasi dan Perusahaan Ventura
Subsidiary, associate and Joint Venture Company
52 Kronologi Pencatatan Saham Chronology of Shares listing53 Peringkat Perusahaan Company’s rating53 Peringkat obligasi Bond rating53 lembaga dan Profesi Penunjang Pasar Modal Capital Market Supporting Professions and
institutions 54 Daftar Konsultan yang Digunakan di tahun
2016 list of Consultants used in 201655 Profil Singkat Pemegang Saham Pengendali a Brief Profile Controlling Shareholder
04tinJauan penDukung biSniSOverview OF buSineSS SuppOrt57 laporan Sumber Daya Manusia human resources report62 teknologi informasi information technology65 operasional Back Office Back office operations
05analiSiS Dan peMbahaSan ManaJeMenManageMent DiSCuSSiOn anD analySiS67 tinjauan Umum general overview68 tinjauan industri Perbankan overview on Banking industry69 tinjauan industri Perbankan Syariah overview on Sharia Banking industry71 tinjauan Per Segmen Usaha overview Per Business Segment82 Kinerja Usaha Keuangan Perusahaan Financial Performance of the Company82 laporan Posisi Keuangan Statements of Financial Position86 laporan laba/(rugi) Statement of Profit/(loss)87 laporan arus Kas Statements of Cash Flows88 target/Proyeksi 2017 target/Projection for 201790 Kemampuan Membayar Utang dan tingkat
Kolektibilitas Piutang Solvency and Collectability rate91 Struktur Modal dan Kebijakan Manajemen atas
Struktur Modal Capital Structure and Management Policy on
Capital Structure92 ikatan yang Material untuk investasi Barang
dan Modal Material Commitment on Capital goods
investment93 informasi dan Fakta Material yang terjadi
Setelah tanggal laporan akuntan information and Material Fact Subsequent to
Balance Sheet Date93 informasi Material Mengenai investasi,
ekspansi, Divestasi, restrukturisasi Utang/Modal
Material information on investment, expansion, Divestment, Capital/Debt restructuring
93 informasi transaksi Material yang Mengandung Benturan Kepentingan dan transaksi dengan Pihak afiliasi
information on Material transaction Containing Conflict of interest and transaction with affiliated Parties
93 aksi Korporasi terkait Penerbitan Saham,
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obligasi, Sukuk atau obligasi Konversi lain dan Kronologis Pencatatan efek lainnya
Corporate action related to issuance of Shares, Bonds, Sukuk, or other Convertible Bonds and other Securities listing Chronology
94 aksi Korporasi terkait Pemecahan Saham, Penggabungan Saham, Saham Bonus atau Perubahan nilai nominal Saham
Corporate actions related to the Stock Split, reverse Stock, Bonus of Shares or the Change of Shares nominal
94 Penghentian Sementara Perdagangan Saham atau Penghapusan Pencatatan Saham
temporary Supension of Shares trading or Delisting of Shares
94 Derivatif dan Fasilitas lindung nilai Derivative and hedging Facility94 transparansi dan Kondisi Keuangan dan
non Keuangan yang Belum Diungkap dalam laporan lainnya
tranparency of Financial and non financial Conditions which have not Been Disclosed on other reports
94 aspek Pemasaran Marketing aspect95 Pendapatan non-halal dan Penggunaannya non-halal Proceeds and the Use95 Program Kepemilikan Saham oleh Manajemen
(MSoP) Management Shares ownership Program
(MSoP)95 Program Kepemilikan Saham oleh Karyawan
(eSoP) employees Shares ownership Program (eSoP)95 Kebijakan Dividen Dividend Policy96 laporan realisasi Penggunaan Dana hasil
Penawaran Umum Saham realization report of Fund Utilization of initial
Public offering (iPo)96 rencana Penggunaan Dana hasil Penawaran
Umum Saham the Plan of Usage of Fund from the iPo96 Perubahan Kebijakan akuntansi Changes in accounting Policy96 Prospek Usaha Business outlook98 Proyeksi tahun 2017 Projection for 201799 informasi Kelangsungan Usaha information on Business Continuity
06lapOran tata kelOla peruSahaangOOD COrpOrate gOvernanCe repOrt101 Penerapan tata Kelola Perusahaan implementation of Corporate governance 102 hasil Self Assessment Pelaksanaan gCg Self assessment result of gCg implementation108 Pelaksanaan gCg Panin Dubai Syariah Bank
tahun 2016 Bank’s gCg implementation in 2016109 rapat Umum Pemegang Pemegang Saham
(rUPS) general Meeting of Shareholders (gMS)
110 Pelaksanaan rUPS di tahun 2016 implementation of gMS in 2016112 Pelaksanaan rUPS luar Biasa di tahun
2016 extraordinary gMS Confention in 2016114 informasi rUPS tahun Sebelumnya information on gMS of the Previous Year
119 Dewan Pengawas Syariah Board of Sharia Supervisory124 Dewan Komisaris Board of Commissioners129 Komisaris independen independent Commissioner
130 Komite di Bawah Dewan Komisaris Committees Under the Board of
Commissioners 130 Komite audit audit Committee 133 Komite Pemantau risiko dan tata Kelola
Perusahaan Corporate governance and risk
Monitoring Committee 135 Komite remunerasi dan nominasi remuneration and nomination
Committee138 Frekuensi rapat dan Kehadiran anggota
Komite audit, Komite Pemantau risiko dan tata Kelola Perusahaan Serta Komite remunerasi dan nominasi
Meeting Frequency and attendance oF audit Committee, Corporate governance and risk Monitoring Committee and remuneration and nomination Committee
138 Direksi Board of Directors142 Komite di Bawah Direksi Committees Under the Board of Directors148 Perubahan Susunan Dewan Pengawas Syariah,
Dewan Komisaris, dan Direksi dalam tahun Buku yang terjadi Setelah Berakhirnya tahun Buku 2016
Changes in Composition of the Board of Sharia Supervisory, the Board of Commissioners, and the Board of Directors in Fiscal Year Subsequent to the end of 2016 Fiscal Year
149 Pedoman dan Kode etik Dewan Pengawas Syariah, Dewan Komisaris, dan Direksi
Board Manual and Code of Conduct of the Board of Sharia Supervisory, the Board of Commissioners, and the Board of Directors
149 Sekretaris Perusahaan Corporate Secretary155 Satuan Kerja audit internal (SKai) internal audit Unit (iaU)160 Pengendalian internal internal Control162 akuntan Publik dan Kantor akuntan Publik Public accountant and Public accounting Firm163 Penerapan Fungsi audit eksternal implementation of external audit Function165 laporan Manajemen risiko risk Management report
165 Profil risiko Bank risk Profile of Bank
174 Kode etik Code of Conduct178 Perkara hukum di tahun 2016 legal Case in 2016179 Sanksi administratif yang Dikenakan Kepada
Panin Dubai Syariah Bank oleh otoritas Pasar Modal dan otoritas lainnya
administrative Sanction imposed on Panin Dubai Sharia Bank by Capital Market authorities and other authorities
179 Sanksi administratif yang Dikenakan Kepada anggota Dewan Komisaris dan anggota Direksi oleh otoritas Pasar Modal dan otoritas lainnya
administrative Sanction imposed on the Board of Commissioners and the Board of Directors by Capital Market authorities and other authorities
179 Sistem Pelaporan Pelanggaran whistleblowing System183 Jumlah Penyimpangan yang terjadi dan
Penyelesaiaannya number of Fraud and its remediation efforts183 Mekanisme Pengadaan Barang dan Jasa Mechanisms For goods and Services
Procurement
183 Pelaksanaan Prinsip Syariah dalam Kegiatan Penghimpunan Dana dan Penyaluran Dana serta Pelayanan Jasa
implementation of Sharia Principle in Fund Collection, Fund Distribution, and Services
184 Penanganan Benturan Kepentingan Conflict of interest handling186 Penerapan Fungsi Kepatuhan implementation of Compliance Function188 Batas Maksimum Penyaluran Dana Maximum limits of legal lending189 Penyaluran Dana untuk Kegiatan Politik Fund Distribution for Politics189 transparansi Kondisi Panin Dubai Syariah Bank,
laporan Pelaksanaan gCg dan Pelaporan internal
transparency of Panin Dubai Sharia Bank’s Condition, gCg implementation report, and internal reports
190 Pemberian remunerasi dan Fasilitas lainnya remuneration and other Facilities190 rasio gaji tertinggi dan terendah ratio of the highest and lowest salary190 transparansi Kondisi Keuangan dan non
Keuangan Panin Dubai Syariah Bank yang Belum Diungkap dalam laporan lainnya
transparency of Panin Dubai Sharia Bank’s Financial and non-Financial Conditions that have not been Declared in other reports
191 transaksi yang mengandung Benturan Kepentingan
transactions Containing Conflict of interests191 Buy Back Shares dan/atau Buy Back obligasi Buy-Back Shares and/or Buy-Back Bond191 Pendapatan non-halal Perusahaan non-halal income of the Company191 akses informasi dan Data Perusahaan Company Data and information access191 laporan Pengaduan nasabah Customer’s Complaint report191 laporan Sumber dan Penggunaan Dana Zakat
Korporasi dan Dana Qardhul Hasan report on the Source and Use of Funds from
Zakat and Qardhul hasan
07lapOran tanggung Jawab SOSial peruSahaan COrpOrate SOCial reSpOnSibility repOrt194 Pelaksanaan CSr di Bidang lingkungan hidup implementation of CSr in environmental
Sector194 Pelaksanaan CSr di Bidang Ketenagakerjaan implementation of CSr in Manpower Sector195 Pelaksanaan CSr di Bidang Sosial
Kemasyarakatan implementation of CSr in Social and
Community Sector196 CSr terkait Konsumen CSr toward Consumers
08lapOran keuangan inDuk peruSahaanFinanCial StateMentS OF parent COMpanylaporan Keuangan PaninBankFinancial Statements of PaninBanklaporan Keuangan Dubai islamic Bank PJSCFinancial Statements of Dubai islamic Bank PJSC
09lapOran keuanganFinanCial StateMentSlaporan Keuangan Panin Dubai Syariah Bank Posisi 31 Desember 2016 (Diaudit) Financial Statements of Panin Dubai Sharia Bank as of December 31, 2016 (audited)
12016 annUal rePort
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(Dalam jutaan rupiah) 2016 2015 2014 (In IDR million)
neraca balance Sheet
total aset 8.757.964 7.134.235 6.206.504 total assets
Pembiayaan Bersih 6.263.352 5.620.680 4.736.314 net Financing
investasi pada Sukuk 1.060.297 333.380 151.574 invesment in Sukuk
Dana Pihak Ketiga 6.899.008 5.928.345 5.076.082 third Party Fund
giro 463.105 254.802 395.990 Demand Deposits
tabungan 598.815 587.600 504.051 Saving
Deposito 5.837.088 5.086.655 4.176.150 Deposits
Jumlah ekuitas 1.187.941 1.155.491 1.076.317 total equity
Jumlah liabilitas 7.570.023 5.978.744 5.130.187 total liabilities
laba/rugi profit/loss
Jumlah laba (rugi) yang dapat didistribusikan kepada pemilik entitas induk dan kepentingan non pengendali
19.541 53.578 70.939income (loss) attributable to equity
holders of the parent company and non-controlling interest
laba rugi bersih 19.541 53.578 70.939 net profit (loss)
total laba (rugi) komprehensif 27.301 73.895 73.889 total comprehensive profit (loss)
Jumlah laba (rugi) komprehensif yang dapat diatribusikan kepada pemilik entitas induk dan kepentingan non pengendali
27.301 73.895 73.889
Comprehensive profit (loss) attributable to equity holders of the
parent entity and non-controlling interest
laba (rugi) bersih per saham 1,91 5,21 7,23 earnings (loss) per share
rasio lancar 28,16% 34,39% 68,21 Current ratio
rasio laba (rugi) terhadap pendapatan 2,67% 7,27% 12,67% income (loss) to revenue ratio
rasio laba rugi terhadap jumlah aset 0,37% 1,14% 1,99% income (loss) to total assets ratio
rasio liabilitas terhadap ekuitas 637,24% 517,42% 476,64% liabilities to equity ratio
rasio liabilitas terhadap total aset 86,44% 83,80% 82,66% liabilities to total assets ratio
ikhtiSar keuanganFinanCial highlightS
2 Laporan Tahunan 2016
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(Dalam jutaan rupiah) 2016 2015 2014 (In IDR million)
Pendapatan Pengelolaan Dana oleh Bank sebagai Mudharib
693.132 711.206 526.520revenue receipts from Fund
Management as Mudharib
hak Pihak Ketiga atas Bagi hasil Dana Syirkah temporer
397.856 421.249 295.597third parties’ share on return of
temporary syirkah funds
Pendapatan Usaha lainnya 23.528 23.031 33.269 other operating revenues
Beban Kerugian Penurunan nilai-Bersih 59.643 41.388 38.621 Provision for impairment losses-net
Beban operasional lainnya 232.684 193.673 128.063 other operating expenses
laba operasional 27.495 77.927 97.507 income from operations
Pendapatan (Beban) non Usaha-Bersih 968 (621) 676non-operating revenues (expenses)-
net
Zakat 712 1.933 2.455 Zakat
laba Sebelum Pajak 27.751 75.373 95.729 Profit Before tax expense
laba Bersih 19.541 53.578 70.939 net Profit
rasio keuangan penting Financial ratio
rasio Kecukupan Modal 18,17% 20,30% 25,69% Capital adequacy ratio
Pembiayaan Bermasalah Kotor 2,26% 2,63% 0,53% non Performing Financing gross
Pembiayaan Bermasalah Bersih 1,86% 1,94% 0,29% non Performing Financing netto
tingkat Pengembalian aset (roa) 0,37% 1,14% 1,99% return on assets (roa)
tingkat Pengembalian ekuitas (roe) 1,76% 4,94% 7,01% return on equity (roe)
Beban operasional terhadap Pendapatan operasional (BoPo )
96,17% 89,29% 82,58% expands to Profit ratio
Pembiayaan terhadap Dana Pihak Ketiga (FDr)
91,99% 96,43% 94,04% Financing to Deposits ratio
giro wajib Minimum (gwM) 5,20% 5,20% 5,20% reserve requirment
Posisi Devisa netto 0,01% 0,00% 0,00% nett open Position
Persentase Pelanggaran Batas Maksimum Pemberian Pembiayaan (BMPP)
0,00% 0,00% 0,00%Percentage of
legal lending limit Violation
01
P e r f o r m a n c e H i g h l i g h t s 2 0 1 6
KinerjaKilas
32016 AnnuAl RepoRt
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Dalam jutaan rupiah / in million rupiah
Dalam jutaan rupiah / in million rupiah
Dalam jutaan rupiah / in million rupiah
graFik kinerJa utaMakey PerForManCe Chart
Dalam jutaan rupiah / in million rupiah
Dalam jutaan rupiah / in million rupiah
Dalam jutaan rupiah / in million rupiah
total asettotal assets
pendapatan pengelolaanDana oleh bank sebagaiMudharibrevenue receipts from FundManagement as Mudharib
pembiayaan bersihnet Financing
beban kerugian penurunan nilai-bersihProvision for impairment losses-net
Dana pihak ketigathird Party Fund
laba Sebelum pajakProfit Before tax
2014 2015 2016
7.134.235
2014 2015 2016
5.620.6806.263.352
2014 2015 2016
5.928.345
2014 2015 2016
711.206693.132
2014 2015 2016
38.62141.388
58.625
2014 2015 2016
95.72975.373
27.751
6.206.5048.757.964
4.736.3435.076.082
6.899.008
526.520
4 Laporan Tahunan 2016
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Q1 Q2 Q3 Q4
ikhtiSar SahaMStoCk highlightS
Pergerakan SahaM di 2016ShareS MoveMent in 2016
volume harga / price
periode /Period
harga pembukaan / Opening Price
harga terendah /
Lowest Price
harga tertinggi /
Highest Price
harga penutupan / Closing Price
volume transaksi / Volume of
Transactions
Jumlah saham beredar /
Total Outstanding
shares
kapitalisasi pasar / Market Capitalization
2015
tw 1 / Q1 180 180 240 233 45.551.400 9.840.313.800 2.292.793.115.400
tw 2 / Q2 233 229 299 265 49.878.700 9.850.456.900 2.610.371.078.500
tw 3 / Q3 265 198 275 224 14.025.200 9.853.109.900 2.207.096.617.600
tw 4 / Q4 224 214 250 250 19.227.400 9.872.717.000 2.468.179.250.000
2016
tw 1 / Q1 250 200 268 218 6.875.100 9.873.572.600 2.152.438.826.800
tw 2 / Q2 218 185 240 210 30.905.900 9.874.495.600 2.073.644.076.000
tw 3 / Q3 210 195 236 199 10.463.550 9.898.874.800 1.969.876.085.200
tw 4 / Q4 199 117 200 120 50.301.800 9.919.525.410 1.190.343.049.200
Jan ‘16Jan ‘16
Jul ‘16Jul ‘16
apr ‘16apr ‘16
okt ‘16oct ‘16
Feb ‘16Feb ‘16
agu ‘16aug ‘16
Mei ‘16May ‘16
nov ‘16nov ‘16
Mar ‘16Mar ‘16
Sep ‘16Sep ‘16
Jun ‘16Jun ‘16
Des ‘16Dec ‘16
35.000.000.000
30.000.000.000
25.000.000.000
20.000.000.000
15.000.000.000
10.000.000.000
5.000.000.000
0
250
200
150
100
50
0
52016 AnnuAl RepoRt
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ikhtiSar obligaSibond highlightS
ikhtiSar waranwarrant highlightS
Panin Dubai Syariah Bank menerbitkan waran Seri i pada saat
Penawaran Umum Perdana Saham di awal 2014. Bersamaan dengan
Penawaran Umum Perdana Saham, Panin Dubai Syariah Bank juga
menerbitkan 950.000.000 (sembilan ratus lima puluh juta) waran
Seri i. waran Seri i diberikan kepada setiap pemegang saham baru
yang namanya tercatat dalam Daftar Pemegang Saham penjatahan
secara cuma-cuma, dengan ketentuan bahwa setiap pemegang 5
(lima) Saham baru memperoleh 1 (satu) waran Seri i. waran Seri i
dapat dilaksanakan menjadi Saham baru yang dikeluarkan dari dalam
portepel.
waran Seri i adalah efek yang memberikan hak kepada pemegangnya
untuk dapat membeli saham baru Panin Dubai Syariah Bank yang
dikeluarkan dari portepel dengan nilai nominal rp100 (seratus
rupiah) dengan harga pelaksanaan sebesar rp110 (seratus sepuluh
rupiah), yang dapat dilaksanakan selama periode pelaksanaan
waran Seri i, dimulai dalam waktu 6 (enam) bulan setelah tanggal
pencatatan, yaitu mulai 15 Juli 2014 sampai dengan 14 Januari 2017.
Setiap pemegang 1 (satu) waran Seri i berhak untuk membeli 1
(satu) saham Panin Dubai Syariah Bank. Pemegang waran Seri i
tidak mempunyai hak sebagai Pemegang Saham termasuk hak
atas dividen dan/atau hak mengeluarkan suara dalam rapat Umum
Pemegang Saham selama waran Seri i tersebut belum dilaksanakan
menjadi Saham.
apabila waran Seri i tidak dilaksanakan sampai habis masa
berlakunya, maka periode pelaksanaan waran Seri i tersebut tidak
dapat diperpanjang dan waran Seri i tersebut menjadi kadaluarsa,
tidak bernilai serta tidak berlaku. waran Seri i yang akan dikeluarkan
mempunyai jangka waktu selama 3 (tiga) tahun sejak tanggal
pencatatan pada 15 Januari 2014.
Panin Dubai Sharia Bank issued warrant Series i during initial Public
offering in early 2004. Concurrently with the iPo, Panin Dubai Sharia
Bank also issued 950,000,000 (nine hundred fifty million) warrant
Series i. warrant Series i has been given to every new shareholder
whose name is registered in the list of Shareholders, free of charge,
on condition that every 5 (five) new Share accept 1 (one) warrant
Series i. warrant Series i can be executed to new Share released from
the portfolios.
warrant Series i is securities which give the rights to its owner to buy
Panin Dubai Sharia Bank’s new shares released from the portfolios
with nominal value of rp100 (a hundred rupiah) with exercise price
of rp110 (one hundred ten rupiah) that can be executed during the
warrant Series i period, starting within 6 (six) months after the listing
date, commencing from July 15, 2014 to January 14, 2017.
every owner of 1 (one) warrant Series i reserves the rights to buy 1
(one) Share of Panin Dubai Sharia Bank. warrant Series i holders do
not have the rights as Shareholder including rights of dividend and/or
rights to vote on Shareholder Meeting as long as the warrant Series
i is not executed as Shares.
Should warrant Series i be not exercised until the expiration date,
then the period of execution of warrant Series i could not be
extended and it will be expired, invaluable and invalid. warrant Series
i which will be issued have 3 (three) years of maturity since the listing
date on January 15, 2014.
Sejak Penawaran Umum Perdana Saham yang dilakukan pada awal
2014 sampai dengan 2016, Panin Dubai Syariah Bank belum pernah
menerbitkan obligasi. oleh karenanya, tidak ada uraian mengenai
ikhtisar obligasi.
Since its initial Public offering at the beginning of 2014 until 2016,
Panin Dubai Sharia Bank never issued Bond. therefore, there is no
information on bond highlights.
6 Laporan Tahunan 2016
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PenghargaanawardS
Pada 2016, Panin Dubai Syariah Bank berpindah kategori dari bank
Kategori Bank Umum Kelompok Usaha (BUKU) i (memiliki Modal
inti kurang dari rp1 triliun) menjadi bank kategori BUKU ii (memiliki
Modal inti lebih dari rp1 triliun tetapi kurang dari rp5 trilliun), oleh
karenanya Panin Dubai Syariah Bank masuk dalam jajaran bank-bank
besar lainnya Kategori BUKU ii.
in 2016, Panin Dubai Sharia Bank changed its category from
Commercial Bank Business group (BUKU) i Category (Core Capital
of less than rp1 trillion) to BUKU ii category (Core Capital of more
than rp1 trillion and less than rp5 trillion). therefore, Panin Dubai
Syariah Bank is in the same category with other prominent banks in
BUKU ii Category.
Bank Syariah terbaik 2016 Kategori Bank Syariah aset Kurang Dari rp10 triliun yang diselenggarakan oleh Majalah investor pada 10 agustus 2016. tidak ada ketentuan masa berlaku penghargaan. Penghargaan diberikan setahun sekali. the Best Sharia Bank 2016, for the Category of Sharia Bank with assets Below rp10 trillion, presented by investor Magazine on august 10, 2016. there is no expiration date. the award is given once a year.
Peringkat 2 indonesia good Corporate governance award ii - 2016 (igSga-ii-2016) Sektor Keuangan Bank Buku ii aset < rp10 triliun, yang diselenggarakan oleh Majalah economic review pada 7 Desember 2016. tidak ada ketentuan masa berlaku penghargaan. Penghargaan diberikan setahun sekali.rank 2 of indonesia good Corporate governance award ii – 2016 (igSga – ii- 2016), For Financial Sector of Buku ii Bank with assets < rp10 trillion, as presented by economic review Magazine on December 7, 2016. there is no expiration date. the award is given once a year.
the Best Ceo Syariah Bank 2016 - anugerah Perbankan indonesia kepada Deny hendrawati selaku Direktur Utama Panin Dubai Syariah Bank, yang diselenggarakan oleh Majalah economic review bekerja sama dengan Perbanas institute, pada 13 oktober 2016. Penghargaan sebagai the Best Ceo Syariah Bank juga diperoleh Deny hendrawati sebagai Ceo terbaik untuk periode 2012, 2014, 2015 dan 2016. tidak ada ketentuan masa berlaku penghargaan. Penghargaan diberikan setahun sekali.the Best Ceo of Sharia Bank 2016 – anugerah Perbankan indonesia, awarded to Deny hendrawati as President Director of Panin Dubai Sharia Bank. the award was presented by economic review Magazine in cooperation with Perbanas institute on october 13, 2016. Denny hendrawati won the Best Ceo for Sharia Bank for the period of 2012, 2014, 2015 and 2016. there is no expiration date. the award is given once a year.
Peringkat i BUKU 2 Syariah (aset < rp10 triliun) - anugerah Perbankan indonesia yang diselenggarakan oleh Majalah economic review bekerja sama dengan Perbanas institute pada 13 oktober 2016. tidak ada ketentuan masa berlaku penghargaan. Penghargaan diberikan setahun sekali.rank i for Sharia BUKU ii (assets < rp10 trillion) – anugerah Perbankan indonesia, presented by economic review Magazine in cooperation with Perbanas institute on october 13, 2016. there is no expiration date. the award is given once a year.
Peringkat 1 BUKU 2 Syariah (aset < rp10 triliun) yang diselenggarakan oleh Majalah economic review pada 21 oktober 2016. tidak ada ketentuan masa berlaku penghargaan. Penghargaan diberikan setahun sekali.rank 1 of Sharia BUKU 2 (assets < rp. 10 trillion) held by economic review Magazine on october 21, 2016. there is no expiration date. the award is given once a year.
the top 3 Best Bank - indonesia Fastest growing new issuer 2016, yang diselenggarakan oleh Majalah warta ekonomi pada 22 Maret 2016. tidak ada ketentuan masa berlaku penghargaan. Penghargaan diberikan setahun sekali.the top 3 Best Bank – indonesia fastest growing new issuer 2016, presented by warta ekonomi Magazine on March 22, 2016. there is no expiration date. the award is given once a year.
the winner of Best Banking Brand 2016 for Most efficient and Best Performance title, yang diselenggarakan oleh Majalah warta ekonomi pada 16 Desember 2016. tidak ada ketentuan masa berlaku penghargaan. Penghargaan diberikan setahun sekali. the winner of Best Banking Brand 2016 for Most efficient and Best Performance title, presented by warta ekonomi Magazine on December 16, 2016. there is no expiration date. the award is given once a year.
72016 AnnuAl RepoRt
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PeriStiwa Pentingevent highlightS
Januari / January
Maret / March - april / april
Januari / January
april / april
Februari / February
Juli / July
Maret / March
pembukaan perdagangan Saham tahun 2016 di bursa efek indonesiaBertempat di gedung Bursa efek indonesia, Bursa melaksanakan acara Pembukaan Perdagangan tahun 2016 pada 15 Januari 2016 yang bertepatan dengan ulang tahun pencatatan saham Panin Dubai Syariah Bank di Bursa yang ke-2.
2016 Share trading Opening at indonesia Stock exchangelocated at indonesia Stock exchange Building, Stock exchange held the opening of trading in 2016 on January 15, 2016, which coincided with the 2nd anniversary of share–listing of Panin Dubai Sharia Bank on the stock exchange.
Festival pasar Modal Syariah 2016Bertempat di Main lobby gedung Bursa efek indonesia Jakarta, Panin Dubai Syariah Bank turut berpartisipasi dalam acara Festival Pasar Modal Syariah. acara diselenggarakan oleh Bursa bekerja sama dengan oJK, KSei, dan KPei. Dihadiri oleh oleh masyarakat luas se-Jabodetabek. Mengangkat tema “Yuk nabung Saham Syariah” yang merupakan bagian dari rangkaian kampanye nasional “Yuk nabung Saham” dan dilatarbelakangi oleh kondisi masyarakat indonesia yang sampai saat ini masih memiliki paradigma saving society, namun memiliki kemampuan untuk mulai berinvestasi.
2016 Sharia Capital Market Festivallocated at Main lobby of indonesia Stock exchange Building, Jakarta, Panin Dubai Sharia Bank participated in Syariah Capital Market Festival. the event was organized by iDX by partnering with oJK, KSei, and KPei, and attended by the general public coming from Jabodetabek (Jakarta greater area). the festival raised the theme “Yuk nabung Saham Syariah” as part of the series of national campaign “Yuk nabung Saham”, which was driven by the fact that saving paradigm still prevailed over indonesian people (making them saving society), despite their capability to start making investment.
pembukaan kantor kas Menara 165Pada 28 Januari 2016, Panin Dubai Syariah Bank melakukan pembukaan Kantor Kas di Menara 165 yang terletak di Jl. tB. Simatupang Kav. 1, Cilandak, Jakarta Selatan.
Cash Office Opening at Menara 165on January 28, 2016, Panin Dubai Sharia Bank held Cash office opening at Menara 165 which was located at Jl. tB. Simatupang Kav. 1, Cilandak, South Jakarta.
penyelenggaraan rupS tahunan & rupS luar biasa Bertempat di gedung Bank Panin Senayan lt. 4, Panin Dubai Syariah Bank menyelenggarakan acara rUPS tahunan dan rUPS luar Biasa.
implementation of annual gMS & extraordinary gMSSituated at Bank Panin Senayan Building 4th floor, Panin Dubai Sharia Bank convened annual gMS and extraordinary gMS.
15
18
20
28
19
5
21
36
Februari / February
Juni / June
pembukaan kantor Cabang SurakartaPanin Dubai Syariah Bank melakukan pembukaan Kantor Cabangnya yang ke-15 di Surakarta, yang beralamat di Jl. Kapten tendean no. 173 D, nusukan, Banjarsari, Surakarta.
Surakarta branch Office OpeningPanin Dubai Sharia Bank opened its 15th Branch office in Surakarta, located at Jl. Kapten tendean no. 173 Dm nusukan, Banjarsari, Surakarta.
buka bersama anak yatim pondok pesantren as-Salam, MalangSebagai bentuk kepedulian terhadap sesama, pada 21 Juni 2016, Panin Dubai Syariah Bank Kantor Cabang Malang mengadakan kegiatan Buka Puasa Bersama anak Yatim dari Pondok Pesantren as-Salam.
Mass breakfasting with Orphans of as-Salam islamic boarding School, Malangas a commitment to helping others, Branch office of Panin Dubai Sharia Bank in Malang held Mass Breakfasting with orphans of as-Salam islamic Boarding School.
acara keuangan Syariah Fair 2016Panin Dubai Syariah Bank turut berpartisipasi dalam acara Keuangan Syariah Fair yang diadakan di Mall gandaria City Jakarta, sebagai rangkaian Kampanye aku Cinta Keuangan Syariah yang diselenggarakan oleh otoritas Jasa Keuangan. acara diikuti oleh 41 perusahaan, terdiri dari 19 industri perbankan syariah, 11 industri keuangan non-syariah dan 11 industri pasar modal syariah.
2016 Syariah Finance Fair eventPanin Dubai Sharia Bank participated in Syariah Finance Fair at Mall gandaria City Jakarta, as a series of i love Syariah Finance Campaign held by the Financial Services authority. the event was attended by 41 companies, 11 non-sharia financial industries, and 11 sharia capital market industries.
pembukaan kantor Cabang yogyakartaPanin Dubai Syariah Bank melakukan acara pembukaan Kantor Cabang Yogyakarta, yang merupakan kantor cabang Panin Dubai Syariah Bank yang ke-16. Kantor Cabang Yogyakarta beralamat di Jl. gedongkuning no. 135 C, Kabupaten Bantul.
yogyakarta branch Office OpeningPanin Dubai Sharia Bank opened its 16th Branch office in Yogyakarta. located at Jl. gedongkuning no. 135C, Bantul regency.
pembukaan kantor Cabang palembangPanin Dubai Syariah Bank melakukan acara pembukaan Kantor Cabang Palembang, yang merupakan kantor cabang Panin Dubai Syariah Bank ke-17. Kantor Cabang Palembang beralamat di Jl. Demang lebar Daun, rt.039 rw.012, Kelurahan Bukit lama, Kecamatan hilir Barat 1, Palembang.
palembang branch Office OpeningPanin Dubai Sharia Bank opened Palembang Branch office, which was the 17th branch office of Panin Dubai Sharia Bank. the office is located at Jl. Demang lebar Daun, rt 039, rw 012, Bukit lama Subdistrict, hilir Barat 1 District, Palembang.
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agustus / august
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pembukaan kantor Cabang lampungPanin Dubai Syariah Bank melakukan acara pembukaan Kantor Cabang lampung, yang merupakan kantor cabang Panin Dubai Syariah Bank yang ke-18. Kantor Cabang lampung, beralamat di Jl. Diponegoro no. 206 C, Bandar lampung.
lampung branch Office OpeningPanin Dubai Sharia Bank opened lampung Branch office, which was the 18th branch office of Panin Dubai Sharia Bank. the office is located at Jl. Diponegoro no. 206 C, Bandar lampung.
agustus / august
pembukaan kantor Cabang Medan Panin Dubai Syariah Bank melakukan acara pembukaan Kantor Cabang Medan, yang merupakan kantor cabang Panin Dubai Syariah Bank ke-19. Kantor Cabang Medan beralamat di Jl. Pulau Pinang no. 6, Medan, Sumatra Utara.
Medan branch Office OpeningPanin Dubai Sharia Bank opened Medan Branch office, which was the 19th branch office of Panin Dubai Sharia Bank. the office is located at Jl. Pulau Pinang no. 6, Medan, north Sumatera.
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oktober / october
peringatan hari besar islam MuharramBersamaan dengan peringatan hari Besar islam Muharam 1437 h, Panin Dubai Syariah Bank menyelenggarakan pengajian rutin bulanan sekaligus menyerahkan santunan kepada 25 anak Yatim dan Piatu yang berada di lingkungan Kantor Panin Dubai Syariah gedung Katamso.
Muharram islamic CelebrationCoincided with Muharram islamic Day 1437 h, Panin Dubai Sharia Bank held monthly Quran recital and provided donations to 25 orphans living in the surroundings of Katamso Building, Panin Dubai Sharia office..
oktober / october
22
acara Sunatan MassalDalam rangka memperingati hari Besar islam Muharam 1437 h, Panin Dubai Syariah Bank menyelenggarakan acara Sunatan massal untuk anak-anak lingkungan sekitar kantor Panin Dubai Syariah Bank gedung Katamso serta anak-anak karyawan, sebagai bagian dari program tanggung Jawab Sosial Perusahaan.
Mass Circumcisionto celebrate the Muharram islamic Day 1437 h, Panin Dubai Sharia Bank held mass circumcision for children in the surrounding area of Katamso building, Panin Dubai Sharia Bank office, and also for the children of the Bank’s employees, as a part of Corporate Social responsibility Program.
2
Desember / December
perayaan Milad ke 7 panin Dubai Syariah bankBertempat di Kantor Pusat Panin Dubai Syariah Bank, diselenggarakan acara Syukuran Milad ke-7. agenda dalam acara ini antara lain doa bersama dan pemotongan tumpeng oleh Direktur Utama.
the 7th anniversary of panin Dubai Sharia bankthe event was held at head office of Panin Dubai Sharia Bank, among the agenda of the event were joint prayer and tumpeng cutting by President Director.
Desember / December
pembukaan kantor Cabang tegalPanin Dubai Syariah Bank melakukan acara pembukaan Kantor Cabang tegal, yang merupakan kantor cabang Panin Dubai Syariah Bank ke-20. Kantor Cabang tegal, beralamat di Jl. Kol. Sugiono no. 121, Kelurahan Kemandungan, Kecamatan tegal Barat, tegal.
tegal branch Office OpeningPanin Dubai Sharia Bank opened tegal Branch office, which was the 20th branch office. the office is located at Jl. Kol. Sugiono no. 121, Kemandungan Subdistrict, tegal Barat District, tegal City.
13
13Desember / December
penyelenggaraan acara paparan publik tahunanBertempat di gedung Bank Panin Senayan lantai 4, Panin Dubai Syariah Bank menyelenggarakan acara Paparan Publik tahunan guna memenuhi Peraturan Pt Bursa efek indonesia no.i-a. Dalam acara tersebut, Panin Dubai Syariah Bank memaparkan kinerjanya termasuk kinerja keuangan posisi 30 September 2016.
implementation of annual public exposelocated at Bank Panin Senayan, 4th floor, Panin Dubai Sharia Bank held annual Public expose as part of its compliance with the regulation of Pt Bursa efek indonesia no.i-a. in the event, Panin Dubai Sharia Bank exposed its performance, including financial performance of September 30, 2016.
Desember / December
16
penghargaan the winner of best banking brand 2016 for Most efficient and best performance titleBertempat di hotel Pullman Jakarta, Panin Dubai Syariah Bank menerima penghargaan the winner of Best Banking Brand 2016 for Most efficient and Best Performance title, yang diselenggarakan oleh Majalah warta ekonomi.
the winner of best banking brand 2016 for Most efficient and best performance titlelocated at hotel Pullman Jakarta, Panin Dubai Sharia Bank was awarded the winner of Best Banking Brand 2016 for Most efficient and Best Performance title by warta ekonomi Magazine.
21Desember / December
pembukaan kantor Cabang MataramPanin Dubai Syariah Bank melakukan acara pembukaan Kantor Cabang Mataram, yang merupakan kantor cabang Panin Dubai Syariah Bank ke-21. Kantor Cabang Mataram, beralamat di Jl. Sandubaya no. 18-21, Sweta Cakranegara, lombok, nusa tenggara Barat.
Mataram branch Office OpeningPanin Dubai Sharia Bank opened Mataram Branch office, which was the 21st branch office. the office is located at Jl. Sandubaya no. 18-21, Sweta Cakranegara, lombok, west nusa tenggara.
92016 AnnuAl RepoRt
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laPoran dewan PengawaS Syariahboard oF Sharia SuPerviSory rePort
Assalamu’alaikum Warahmatullahi Wabarakatuh
BIsMILLaHIRRaHManIRRaHIM.Pada kesempatan ini tiada sesuatu yang layak kita lakukan selain
mempersembahkan puja dan puji serta syukur ke hadirat allah Swt,
Zat Maha agung yang selalu menaburkan karunia, rahmat dan kasih
sayang kepada hamba-hamba-nya dari level yang terendah hingga
level yang tertinggi, semuanya berhutang budi kepada-nya atas
sekian banyak nikmat yang selalu diberikan. Di antara sekian banyak
nikmat tersebut adalah keberadaan kita di kapal besar Panin Dubai
Syariah Bank yang kita cintai ini.
Salawat dan salam semoga tercurahkan kepada junjungan kita nabi
Besar Muhammad Saw, uswah dan qudwah kita dalam mengarungi
hidup dan kehidupan ini, manusia teladan yang ajarannya perlu kita
jadikan sebagai way of life, bukan saja dalam bidang ekonomi dan
keuangan, akan tetapi dalam segala aspek kehidupan, sehingga kita
menjadi pengikutnya yang kaffah (utuh dan totalitas). tentu salawat
dan salam kita sampaikan juga kepada para keluarga dan sahabat
rasul, manusia-manusia agung, insan-insan pilihan yang dalam
mengarungi kehidupan ini selalu konsisten menjadikan ajaran islam
sebagai rujukannya.
kOMpOSiSi Dewan pengawaS Syariah
Berdasarkan akta Pernyataan Keputusan rUPS tahunan no. 53
tanggal 19 april 2016 yang dibuat oleh Fathiah helmi, Sh, notaris
di Jakarta, kami kembali dipercaya dan diberikan amanah untuk
diangkat kembali sebagai Ketua dan anggota Dewan Pengawas
Syariah Panin Dubai Syariah Bank.
pelakSanaan tugaS Dewan pengawaS Syariah paDa 2016Dewan Pengawas Syariah (DPS) sesuai dengan fungsi dan tugasnya
telah melakukan pengawasan terhadap Panin Dubai Syariah Bank
terkait dengan aspek Syariah.
hal itu antara lain dilakukan melalui beberapa hal sebagai berikut:
1) hadir rutin ke Kantor Pusat Panin Dubai Syariah Bank dalam
rangka memantau dan melakukan pengawasan langsung untuk
mengetahui serta memastikan setiap aktivitas Panin Dubai
Syariah Bank telah sesuai dengan prinsip-prinsip Syariah dengan
menjadikan Fatwa Dewan Syariah nasional Majelis Ulama
indonesia (DSn-MUi) sebagai pedoman dalam segala produk dan
aktivitas. DPS memiliki komitmen untuk dapat hadir secara rutin
tiap pekan atau minimal dua kali dalam sebulan agar segala hal
terkait pembahasan Syariah dapat segera terselesaikan.
2) Melakukan rapat-rapat dengan jajaran Direksi dan Unit Kerja
terkait, untuk membahas permasalahan yang berhubungan
dengan isu-isu Syariah, penjelasan tentang Fatwa DSn-MUi dan
implementasinya.
BIsMILLaHIRRaHManIRRaHIM.on this occasion nothing is worth doing than offering our praise and
gratitude to allah Swt, the Mighty leader who always showers his
grace, mercy and compassion to his servants from the lowest to the
highest levels, we all owe gratitude to him for his blessings. among
his many blessings is our presence in this ship of Panin Dubai Sharia
Bank which we love very dearly.
greetings to our Prophet Muhammad Saw, our uswah and qudwah
in our journey through life, whose exemplary teachings must be
followed as a way of life, not only in economics and finance, but
also in all aspects of life, so that we can become kaffah (whole and
total) followers. we also extend our greetings to families and friends
of the apostles, the greatest and chosen human beings, who in their
journey in getting through all challenges have consistently made
islamic teachings as their way of life.
COMpOSitiOn OF bOarD OF Sharia SuperviSOry Pursuant to Deed of annual gMS resolution no. 53 dated april 19,
2016, drawn up by Fathiah helmi, Sh, notary in Jakarta, we are once
again entrusted to hold the position of head and Member of Board
of Sharia Supervisory of Panin Dubai Sharia Bank.
taSk iMpleMentatiOn OF bOarD OF Sharia SuperviSOry in 2016Board of Sharia Supervisory (DPS) has performed its oversight role
related to Sharia aspects to Panin Dubai Sharia Bank according to its
functions and duties.
Some of which were performed through the following actions:
1) Being present in Panin Dubai Sharia Bank head office to monitor
and conduct direct supervision to identify and ensure each activity
of Panin Dubai Sharia Bank is in accordance with Sharia principles
and refers to the Fatwa of national Sharia Board of indonesian
Council of Ulama (DSn-MUi). the Board of Sharia Supervisory is
committed to being present at the head office every week or at
least twice a month to discuss and seek solution for any matter
related to Sharia issues.
2) Conducting meetings with the Board of Directors and related
working Units to discuss issues related to Sharia principles,
explanation on the Fatwa of DSn-MUi and their implementation.
Pemegang Saham yang TerhormaT, Dear ShareholDerS,
10 Laporan Tahunan 2016
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3) Providing Sharia opinions related to the implementation of DSn-
MUi Fatwa, products and activities of Panin Dubai Sharia Bank as
well as new topics not yet discussed in the Fatwa.
4) Conducting visits to Panin Dubai Sharia Bank branches in the
event of examination (Sharia audit) and socialization of DSn-MUi
Fatwa.
5) Conducting discussions and sharing with the Compliance
working Unit, SKai working Unit and other related parties on
issues related to Sharia aspects, as well as the findings of the
Board of Sharia Supervisory.
6) Conducting review and simplification of contract of financing
and funding for standardization.
7) Making communications with the Compliance working Unit as
liason officer of Board of Sharia Supervisory through media such
as telephone/cellphone, e-mail, or direct meeting out of office
related to urgent issues which need immediate discussions.
8) Conducting examinations by taking sampling of Panin Dubai
Sharia Bank’s activities in financing or funding segment in head
office as well as branches.
9) Submitting the Supervision result report of the Board of Sharia
Supervisory to the Financial Services authority every semester.
10) Following agenda and activities of Panin Dubai Sharia Bank, such
as work meeting, gMS, Public expose, exit meeting with oJK and
so on.
in general, all parties in Panin Dubai Sharia Bank have the same
commitment to comply with Sharia principles in performing their
activities. however, it cannot be denied that there are weaknesses
that must be improved to prevent them from recurring in the future.
in performing its activities, Panin Dubai Sharia Bank must comply with
Sharia principles as well as general banking rules and regulations. we
have to continuously strengthen our commitment to adhere to these
principles and rules, because they are the guidance that prevails in
this world and of course, in the afterlife.
to all parties, we wish to extend our highest appreciation for their
dedication, hard work and excellent teamwork in continuously
developing Panin Dubai Sharia Bank. we hope that Panin Dubai
Sharia Bank can transform to become the Sharia bank that we all
are proud of, which further brings indonesia to move forward, to be
prosperous, and to maintain justice. thank you.
3) Memberikan opini Syariah terkait dengan implementasi Fatwa
DSn-MUi, produk dan aktivitas Panin Dubai Syariah Bank serta
hal-hal baru yang belum terdapat di dalam Fatwa DSn-MUi.
4) Melakukan kunjungan ke kantor-kantor cabang Panin Dubai
Syariah Bank dalam rangka pemeriksaan (audit Syariah) dan
sosialisasi Fatwa DSn-MUi.
5) Melakukan diskusi dan sharing dengan Unit Kerja Kepatuhan,
Unit Kerja SKai dan pihak-pihak terkait lainnya mengenai hal-
hal yang berhubungan dengan aspek Syariah, dan juga tentang
temuan-temuan DPS.
6) Melakukan peninjauan dan simplifikasi akad-akad pembiayaan
maupun pendanaan dalam rangka standarisasi.
7) Melakukan komunikasi dengan Unit Kerja Kepatuhan sebagai
Liason Officer DPS melalui media seperti telepon/Handphone,
surat elektronik, maupun bertemu langsung di luar kantor
berkaitan dengan hal-hal yang mendesak untuk segera dilakukan
pembahasan.
8) Melakukan pemeriksaan dengan mengambil contoh aktivitas
Panin Dubai Syariah Bank, baik pembiayaan maupun pendanaan
di kantor pusat dan juga kantor cabang.
9) Menyampaikan laporan hasil Pengawasan DPS kepada oJK
secara semesteran.
10) Mengikuti agenda dan kegiatan Panin Dubai Syariah Bank,
seperti rapat kerja, rUPS, Paparan Publik, exit meeting dengan
oJK dan lain sebagainya.
Secara umum, semua pihak yang ada di dalam Panin Dubai Syariah
Bank memiliki komitmen yang sama untuk mematuhi prinsip-
prinsip Syariah dalam menjalankan aktivitasnya. namun tidak dapat
dipungkiri masih terdapat beberapa kelemahan yang harus diperbaiki
bersama agar tidak terulang di masa yang akan datang. Karena
dalam menjalankan aktivitas, Panin Dubai Syariah Bank selain patuh
pada prinsip-prinsip Syariah juga harus tetap patuh pada aturan
dan ketentuan perbankan secara umum. inilah yang harus benar-
benar kita jaga dengan sebaik-baiknya, karena kedua hal tersebut
merupakan amanah baik di dunia terlebih lagi di akhirat.
Kepada semua pihak, kami sampaikan apresiasi yang setinggi-
tingginya atas dedikasi, kerja keras dan kekompakannya untuk terus
memajukan Panin Dubai Syariah Bank. Semoga Panin Dubai Syariah
Bank menjadi bank Syariah kebanggaan yang akan mengantarkan
bangsa indonesia maju, sejahtera dan berkeadilan. terima kasih dan
mohon maaf.
02M a n a g e m e n t R e p o r t
ManajemenLaporan
Dr. kh. ahMaD MuniF SuratMaputra, MaKetua
Chairman
DrS. h. aMinuDin yakub, Maanggota
Member
Wabillahit Taufiq wal-Hidayah.
Wassalamu’alaikum Warahmatullahi Wabarakatuh.
112016 AnnuAl RepoRt
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Dr. Adnan Abdus Shakoor Chilwan Komisaris UtamaPresident Commissioner
Para Pemegang Saham Dan Pemangku kePenTingan yang TerhormaT,
Dear ShareholDerS anD STakeholDerS,
laPoran dewan koMiSariSboard oF CoMMiSSionerS rePort
Assalamu’alaikum Warahmatullahi Wabarakatuh
Panin Dubai Syariah Bank berhasil mencatatkan capaian kinerja yang
positif di tahun buku 2016, seiring situasi perekonomian serta industri
perbankan Syariah indonesia yang relatif kondusif. Selain menjaga
profitabilitas dan pertumbuhan usaha yang berkesinambungan,
Panin Dubai Syariah Bank juga memulai misinya untuk meningkatkan
kegiatan usaha agar menjadi lembaga keuangan yang progresif dan
sehat yang dapat berdampak positif terhadap kondisi perbankan
Syariah di indonesia. Misi yang dijalankan Panin Dubai Syariah Bank
ini membuktikan kapasitas Panin Dubai Syariah Bank yang berhasil
memanfaatkan berbagai peluang usaha sepanjang 2016.
Pada kesempatan ini, Dewan Komisaris menyampaikan laporan
pengawasan terhadap kinerja Panin Dubai Syariah Bank.
tinJauan MakrO ekOnOMiPerekonomian dunia sepanjang 2016 berada pada situasi belum
kondusif. hal tersebut terlihat melalui tingkat pertumbuhan ekonomi
yang tidak merata serta melemahnya harga berbagai komoditas
dunia hingga kuartal ketiga 2016. Beberapa negara maju, seperti
Jepang dan amerika Serikat (aS), serta negara-negara berkembang,
seperti tiongkok dan india, mengalami perlambatan pertumbuhan
ekonomi. Selain itu, harga minyak dunia mengalami fluktuasi,
dengan level harga terendah mencapai 28 Dolar aS per barel dan
pergerakan di bawah level 50 Dolar aS per barel.
Panin Dubai Sharia Bank has successfully recorded positive
performance for 2016 fiscal year as indonesia’s economic situation
and sharia banking industry landscape improved during the year.
apart from maintaining profitability and sustainable business growth,
Panin Dubai Sharia Bank also embarked upon its mission to upgrade
its operations with a view to becoming a robust and progressive
financial instution that will be poised to impact the overall state of
Sharia banking in indonesia. this mission, coupled with the Panin
Dubai Sharia Bank’s financial performance is a testimony to Panin
Dubai Sharia Bank’s capability of making the most of the available
opportunities during 2016.
on behalf of the Board of Commissioners, allow me to present
supervisory report of Panin Dubai Sharia Bank performance for 2016
fiscal year.
MaCrO eCOnOMiC Overviewthe global economy during 2016 was less favorable, as seen from
uneven growth rates across countries. the weakening of global
commodity prices up to the third quarter of 2016, the slowdown in
several developed countries such as the United States (US). Japan,
China, and india contributed to this overall economic slowdown.
Furthermore, global oil prices were volatile during the year, which
reached its lowest price at USD 28 per barrel and continued to
fluctuate below USD 50 per barrel.
12 Laporan Tahunan 2016
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Perekonomian indonesia mengalami pertumbuhan sebesar 5,02%
pada 2016. angka ini lebih tinggi dibanding angka pertumbuhan
tahun sebelumnya, yaitu 4,88%, serta angka pertumbuhan 2014,
yaitu 5,01%. angka pertumbuhan ekonomi tersebut tercapai seiring
tingkat suku bunga dan inflasi yang relatif terjaga. tingkat rata-
rata inflasi sepanjang 2016 tercatat sebesar 3,02%, atau berada
pada level rendah dari proyeksi di awal tahun yang ditetapkan Bank
indonesia sebesar 3-4%.
otoritas Jasa Keuangan telah mengeluarkan Statistik Perbankan
Syariah 2016, yang menyebutkan pertumbuhan total aset industri
perbankan syariah sebesar 20,33% dan pertumbuhan pembiayaan
sebesar 16% dibanding data per Desember 2015.
panDangan terhaDap kinerJa DirekSi
Sepanjang 2016, Direksi telah melaksanakan tugas dan tanggung
jawab terkait pengelolaan Panin Dubai Syariah Bank secara optimal.
hal tersebut terlihat melalui pertumbuhan total aset dan total ekuitas
pada posisi keuangan, serta peningkatan pembiayaan bersih, dana
pihak ketiga, dan laba bersih yang berhasil dicatatkan Panin Dubai
Syariah Bank.
total aset tumbuh sebesar 22,82% dibanding tahun sebelumnya, dari
senilai rp7,13 triliun menjadi rp8,76 triliun atau mencapai 98,18%
dari target perolehan aset yang telah ditetapkan. Selanjutnya, total
ekuitas Panin Dubai Syariah Bank mengalami pertumbuhan menjadi
rp1,88 triliun pada 2016 dibandingkan rp1,16 triliun pada 2015.
total pembiayaan bersih dan dana pihak ketiga Panin Dubai Syariah
Bank juga mengalami peningkatan yang signifikan dibanding tahun
2015. total pembiayaan bersih tercatat sejumlah rp6,26 triliun,
meningkat dari tahun 2015 yang tercatat rp5,63 triliun, dan total
dana pihak ketiga tercatat rp6,90 triliun, meningkat dari tahun 2015
yang tercatat sebesar rp5,93 triliun.
Perolehan laba bersih Panin Dubai Syariah Bank di tahun 2016 tercatat
sebesar rp19,54 miliar, lebih rendah dari perolehan di tahun 2015
sebesar rp53,58 miliar. hal ini terutama disebabkan oleh kebijakan
penyediaan pencadangan Penyisihan Penghapusan aktiva Produktif
(PPaP) sesuai ketentuan yang berlaku. Faktor lain adalah tingginya
beban operasional dan biaya modal akibat pembukaan kantor baru
pada jaringan Panin Dubai Syariah Bank di berbagai wilayah di
indonesia. Sampai dengan 31 Desember 2016, kantor cabang Panin
Dubai Syariah Bank tercatat sebanyak 20 kantor.
Dewan Komisaris memberikan apresiasi kepada Direksi atas
pencapaian kinerjanya. Kami yakin Panin Dubai Syariah Bank dapat
lebih meningkatkan kinerjanya positif serta meningkatkannya di
tahun mendatang.
penilaian terhaDap kOMite-kOMite Di bawah Dewan kOMiSariSUntuk mendukung fungsi Dewan Komisaris sebagai organ pengawas
dan pemberi arahan pada struktur tata kelola Panin Dubai Syariah
indonesia’s economy grew by 5.02% in 2016, which was higher than
4.88% of the previous year and 5.01% of 2014 growth rate. the
economic growth rate increased in line with the controlled interest
rate and inflation, which was recorded at 3.02% on average in line
with Bank indonesia’s forecast in early 2016, which was 3-4%.
the Financial Services authority had published Sharia Banking
Statistics of 2016, which described the growth of 20.33% in total
asset compared to 16% of financing growth in Sharia banking
industry as of December 2015.
OpiniOn On the bOarD OF DireCtOrS perFOrManCewe assess that the Board of Directors has carried out their duties
and responsibilities optimally regarding Panin Dubai Sharia Bank
management throughout 2016, which was proven by the growth
of total assets and total equity in the financial position as well as the
increase in net financing, third party fund, and net profit of Panin
Dubai Sharia Bank.
total assets grew by 22.82% compared to the previous year, from
rp7.13 trillion to rp8.76 trillion. Panin Dubai Sharia Bank also
managed to accomplish 98.18% of total asset target that had been
set. Furthermore, Panin Dubai Sharia Bank’s total equity grew from
rp1.16 trillion in 2015 to rp1.88 trillion in 2016.
total net financing and third party fund also significantly increased
relative to 2015 fiscal year. total net financing in 2016 was recorded
at rp6.26 trillion, which grew rp5.63 trillion as of FYe 2015. total
third party fund was booked at rp6.90 trillion, which rose from
rp5.93 trillion in 2015.
Panin Dubai Sharia Bank’s net profit in 2016 was recorded at rp19.54
billion, a decline from FYe 2015 net profit of rp53.58 billion. this
was largely due to prudent provisioning policy employed by Panin
Dubai Sharia Bank on account of increase in allowance for earning
assets impairment (PPaP). other contributing factors were the
higher operational and capital expenses as Panin Dubai Sharia Bank
enhances its distribution network across indonesia by opening new
branches. as of December 31, 2016, Panin Dubai Sharia Bank has 20
branch offices spread all across indonesia.
the Board of Commissioners would like to appreciate all members
of the Board of Directors for various achievements that have been
earned. we believe that Panin Dubai Sharia Bank will be able to
maintain and enhance its positive performance going forward.
aSSeSSMent OF COMMitteeS unDer the bOarD OF COMMiSSiOnerSto support the supervisory and advisory roles of the Board of
Commissioners in Panin Dubai Sharia Bank’s governance structure,
132016 AnnuAl RepoRt
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Bank, Kami dibantu oleh tiga komite, yaitu Komite audit, Komite
Pemantau risiko dan tata Kelola Perusahaan, serta Komite
remunerasi dan nominasi.
Penilaian Dewan Komisaris terhadap pelaksanaan tugas dan
tanggung jawab ketiga komite tersebut adalah sebagai berikut:
a. Komite-komite di bawah Dewan Komisaris telah melakukan
fungsi, tugas dan tanggung jawabnya dengan memberikan
masukan terkait fungsi pengelolaan risiko, audit dan kebijakan
remunerasi sesuai kebutuhan dan perkembangan.
b. Komite-Komite telah melakukan dan menyelenggarakan rapat
secara teratur sesuai dengan ketentuan penyelenggaraan rapat
berdasarkan peraturan yang berlaku.
c. Penambahan anggota Komisaris independen Panin Dubai Syariah
Bank yang akan secara efektif menjadi Ketua Komite, akan
memperkuat penerapan fungsi kerja komite.
komite audit
Komite audit telah melaksanakan tugas dan tanggung jawabnya
secara efektif sepanjang 2016.
Komite telah melakukan pemantauan dan evaluasi terkait
perencanaan serta pelaksanaan audit serta memantau tindak lanjut
hasil audit. Komite juga telah melakukan penelaahan terhadap
informasi keuangan Panin Dubai Syariah Bank sebelum dipublikasikan
atau dilaporkan kepada otoritas terkait. Selain itu, Komite telah
memberikan rekomendasi kepada Dewan Komisaris terhadap
pelaksanaan tugas audit internal, kesesuaian pelaksanaan audit oleh
Kantor akuntan Publik, kesesuaian laporan keuangan Panin Dubai
Syariah Bank dengan standar akuntansi yang berlaku, pelaksanaan
tindak lanjut oleh Direksi atas hasil pengawasan dan temuan Satuan
Kerja audit internal, akuntan Publik, otoritas Jasa Keuangan, serta
Dewan Pengawas Syariah.
komite pemantau risiko dan tata kelola perusahaan
Dewan Komisaris menilai, Komite Pemantau risiko dan tata Kelola
Perusahaan telah melaksanakan tugas dan tanggung jawabnya
secara efektif.
Komite telah memberikan dukungan kepada Dewan Komisaris
dengan memastikan bahwa kerangka kerja manajemen risiko yang
dimiliki Panin Dubai Syariah Bank telah memadai terhadap seluruh
risiko yang dihadapi. Komite juga telah memberikan rekomendasi
dan pendapat profesional yang diperlukan mengenai kesesuaian
antara kebijakan manajemen risiko kepada Dewan Komisaris. Komite
telah memantau dan melakukan evaluasi atas pelaksanaan tugas
Komite Manajemen risiko dan Satuan Kerja Manajemen risiko.
Selain itu, Komite juga telah melakukan pemantauan atas prinsip
tata kelola, melakukan peninjauan dan penilaian kesesuaian atas
penerapan prinsip tersebut, serta memberikan rekomendasi yang
dibutuhkan terkait penerapan prinsip tata kelola perusahaan kepada
Dewan Komisaris.
Panin Dubai Sharia Bank established the audit Committee, risk
Monitoring and gCg Committee, and remuneration and nomination
Committee.
the Board of Commissioners’ assessment on the performance of
duties and responsibilities of these three committees is detailed
below:
a. Committees under the Board of Commissioners have performed
their functions, duties, and responsibilities well by providing
advice on risk management function, audit and remuneration
policy according to the needs and business development.
b. Committees have routinely conducted and organized meetings
according to meeting implementation procedure based on the
prevailing regulations.
c. the addition of members of independent Commissioner of
Panin Dubai Sharia Bank, which will effectively serve as head of
Committee, will strengthen the implementation of work function
of the committe.
audit Committee
the audit Committee has optimally carried out its duties and
responsibilities throughout 2016.
the committee has monitored and evaluated the plan and
implementation of audit as well as monitored the follow-up of
the audit results. the committee has also reviewed Panin Dubai
Sharia Bank’s financial information before it was published or
reported to the related authorities. Moreover, the committee has
provided recommendation to the Board of Commissioners on the
implementation of duties of internal audit, conformity of audit
implementation by Public accounting Firm, conformity of Panin
Dubai Sharia Bank financial statements to the prevailing accounting
standards, implementation of follow-up by the Board of Directors on
supervision and findings of internal audit Unit, Public accountant,
Financial Services authorities, and the Board of Sharia Supervisory.
Corporate governance and risk Monitoring Committee
the Board of Commissioners assesses that the Corporate governance
and risk Monitoring Committee has implemented its duties and
responsibilities effectively.
the committee has supported the Board of Commissioners by
ensuring that the risk management framework of the Panin Dubai
Sharia Bank has been adequate with regards all risks faced by the Panin
Dubai Sharia Bank. the committee has also provided the required
professional opinion and recommendation on conformity of risk
management policy to the Board of Commissioners. the committee
has monitored and evaluated the implementation of duties of risk
Management Committee and risk Management Unit. in addition,
the committee has also monitored the governance principles,
reviewed and assessed the conformity of the implementation, and
provided necessary recommendation related to the implementation
of corporate governance to the Board of Commissioners.
14 Laporan Tahunan 2016
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komite remunerasi dan nominasi
Komite telah melaksanakan berbagai tugas dan tanggung jawab
terkait fungsi remunerasi dan nominasi. Kami menilai, Komite telah
melaksanakan tugas-tugas dan tanggung jawabnya.
terkait fungsi remunerasi, Komite telah melakukan evaluasi
terhadap kebijakan remunerasi Panin Dubai Syariah Bank serta
melakukan evaluasi terhadap kesesuaian kebijakan remunerasi
dengan pelaksanaan kebijakannya. Komite juga telah memberikan
rekomendasi yang diperlukan kepada Dewan Komisaris terkait
kebijakan remunerasi bagi Dewan Komisaris, Direksi, Dewan
Pengawas Syariah, Pejabat eksekutif dan Pegawai. Selain itu, Komite
telah membantu Dewan Komisaris melakukan penilaian kinerja
terkait kesesuaian remunerasi yang diterima masing-masing anggota
Direksi, Dewan Komisaris dan/atau Dewan Pengawas Syariah.
Untuk fungsi nominasi, Komite telah menjalankan tugas dan tanggung
jawabnya di tahun buku 2016 dengan memberikan rekomendasi
kepada Dewan Komisaris atas komposisi jabatan anggota Direksi,
Dewan Komisaris, dan/atau Dewan Pengawas Syariah, kebijakan
dan kriteria yang dibutuhkan dalam proses nominasi, serta kebijakan
evaluasi kinerja bagi anggota Direksi, Dewan Komisaris, dan/atau
Dewan Pengawas Syariah. Komite telah memberikan rekomendasi
kepada Dewan Komisaris me ngenai sistem serta prosedur pemilihan
dan/atau penggantian anggota Dewan Komisaris, Direksi, dan
Dewan Pengawas Syariah. Dukungan Komite kepada Dewan
Komisaris terkait fungsi nominasi juga terlaksana melalui pemberian
rekomendasi atas calon anggota Dewan Komisaris, Direksi, dan/atau
Dewan Pengawas Syariah, termasuk calon pihak independen yang
akan menjadi anggota Komite.
prOSpek uSahaMengacu pada World Economic Outlook yang dirilis International
Monetary Fund (iMF), PDB dunia diperkirakan mampu tumbuh
secara lebih baik pada 2017, menjadi 3,40% dibanding capaian
tahun sebelumnya yang tercatat sebesar 3,10%. Selain itu, iMF juga
memproyeksi perdagangan dunia mampu tumbuh dari 2,30% di
tahun sebelumnya, menjadi 3,80% pada 2017. terkait pertumbuhan
PDB di indonesia dan kawasan aSean, iMF memprediksi tingkat
kenaikan yang cukup signifikan, yaitu dari 4,80% di tahun
sebelumnya, menjadi 5,10% pada 2017.
Perekonomian indonesia diprediksi mampu bertahan serta tumbuh
secara lebih baik di tahun mendatang, dengan stabilitas dan
posisi fiskal yang terjaga. Mengacu pada outlook yang dirilis oleh
Kementerian Koordinator Perekonomian ri, permintaan domestik
diprediksi mampu tumbuh secara baik di 2017, hingga menjadi
faktor pendorong pertumbuhan ekonomi di tingkat makro. Selain
itu, pembangunan infrastruktur di berbagai wilayah indonesia juga
diperkirakan mampu memberikan stimulus bagi pertumbuhan
ekonomi yang lebih baik. Bank indonesia memprediksi pertumbuhan
ekonomi indonesia mampu tumbuh sebesar 5,0% hingga 5,4%.
nomination and remuneration Committee
the committee has implemented duties and responsibilities related
to nomination and remuneration function throughout 2016. we
assessed that the Committee has implemented its duties and
responsibilities optimally.
related to remuneration function, the Committee has evaluated the
remuneration policy of Panin Dubai Sharia Bank as well as conformity
with the remuneration policy with regards its implementation. the
Committee has also provided necessary recommendations to the
Board of Commissioners concerning remuneration policy to the
Board of Commissioners, the Board of Directors, the Board of Sharia
Supervisory, executive officers, and employees. Furthermore, the
Committee has assisted the Board of Commissioners in assessing the
conformity of remuneration received by each the Board of Directors,
the Board of Commissioners, and/or the Board of Sharia Supervisory.
For nomination function, the Committee has implemented its duties
and responsibilities in 2016 fiscal year by providing recommendations
to the Board of Commissioners on composition of the Board of
Directors, the Board of Commissioners, and/or the Board of Sharia
Supervisory, policy and criteria needed in nomination process, and
policy of performance evaluation to the Board of Directors, the
Board of Commissioners, and/or the Board of Sharia Supervisory.
the Committee has provided recommendations to the Board of
Commissioners on system and procedures for appointment and/or
replacement of member of the Board of Commissioners, the Board
of Directors, and the Board of Sharia Supervisory. Supports from the
Committee to the Board of Commissioners related to nomination
function was also implemented by providing recommendation on
candidate of member of the Board of Commissioners, the Board of
Directors, and/or the Board of Sharia Supervisory, including candidate
for independent party which will become member of the Committee.
buSineSS OutlOOkreferring to the world economic outlook issued by the international
Monetary Fund (iMF), the world’s gDP is projected to grow positively
in 2017, reaching the level of 3.40% compared to 3.10% in FY 2015.
Moreover, iMF has also predicted that the global trade will grow from
2.30% in 2016 to 3.80% in 2017. in relation to the growth of gDP
of indonesia and aSean, iMF predicts that the region’s gDP will
improve significantly, from 4.80% in 2016 to 5.10% in 2017.
Domestic economy is forecasted to register greater growth in the
following year with a stable fiscal position. referring to the outlook
issued by the Coordinating Ministry for economic affairs of the
republic of indonesia, domestic demand will demonstrate positive
growth in 2017, driving the economic development on a macro level.
in addition, infrastructure development in various regions in indonesia
is projected to provide stimulus for better economic situation. Bank
indonesia predicts that domestic economy will grow within the range
of 5.0% to 5.4%.
152016 AnnuAl RepoRt
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Seperti yang telah disebutkan sebelumnya, otoritas Jasa Keuangan
menyebutkan bahwa industri perbankan Syariah indonesia berhasil
mencatatkan angka pertumbuhan yang cukup signifikan sepanjang
2016. Selain itu, Panin Dubai Syariah Bank juga mampu mencatatkan
angka pertumbuhan aset dan pembiayaan yang berada di atas angka
pertumbuhan perbankan indonesia. Dengan tren pertumbuhan pada
industri perbankan Syariah indonesia dan kinerja Panin Dubai Syariah
Bank sepanjang 2016 tersebut, serta proyeksi pertumbuhan ekonomi
dunia, kami optimistis Panin Dubai Syariah Bank mampu mencatatkan
capaian yang lebih baik pada 2017. Kami juga percaya dengan
upaya-upaya restrukturisasi dan pengembangan yang dilakukan,
Panin Dubai Syariah Bank akan hadir sebagai lembaga keuangan
dengan posisi yang lebih kuat untuk memanfaatkan peluang pada
perekonomian indonesia dan dunia, yang diproyeksikan mengalami
perbaikan di tahun mendatang.
Dewan Komisaris berkeyakinan bahwa prospek usaha yang telah
disusun Panin Dubai Syariah Bank mampu diwujudkan secara optimal.
panDangan terhaDap penerapan tata kelOla peruSahaanKami menyadari bahwa penerapan tata kelola perusahaan yang baik
pada Panin Dubai Syariah Bank merupakan hal yang penting, guna
memberikan nilai tambah atas kelangsungan bisnis Panin Dubai
Syariah Bank kepada seluruh pemangku kepentingan. Berbagai
pencapaian kinerja yang berhasil diraih Panin Dubai Syariah Bank
tidak terlepas dari komitmen Panin Dubai Syariah Bank dalam
menerapkan prinsip-prinsip tata kelola perusahaan yang baik secara
menyeluruh dan konsisten.
Dewan Komisaris berpendapat, Direksi beserta berbagai organ pada
struktur organisasi Panin Dubai Syariah Bank telah menerapkan
prinsip-prinsip tata kelola perusahaan secara efektif. efektivitas
tersebut dapat dilihat melalui hasil penilaian yang dilakukan secara
self-assessment yang menghasilkan peringkat 2 (BaiK). Berdasarkan
as mentioned above, the Financial Services authority records a
significant growth in national sharia banking industry during the
year. Panin Dubai Sharia Bank, as one of the business players in such
industry, managed to record an increase in assets and financing posts
which were above the average level of national banking industry.
with the positive trend in indonesia’s sharia banking industry and
elevated performance of Panin Dubai Sharia Bank throughout 2016,
combined with global growth prospects, we are optimistic that Panin
Dubai Sharia Bank will be able to record an even more thriving result
in 2017. we are also confident that given the various restructing and
upgradation efforts being undartaken at Panin Dubai Sharia Bank.
Panin Dubai Sharia Bank will emerge as stronger financial institution
better positioned to take advantage of the expected improvements
in the global and indonesia economic outlooks.
the Board of Commissioners believes that business outlook composed
by Panin Dubai Sharia Bank will be realized optimally.
OpiniOn On gCg iMpleMentatiOn
we understand that gCg implementation is an essential aspect
of ensuring business sustainability to all stakeholders of Panin
Dubai Sharia Bank. Various financial achievements by Panin Dubai
Sharia Bank cannot be separated from Panin Dubai Sharia Bank’s
commitment to fully and consistently implementing the gCg
principles.
the Board of Commissioners is of the opinion that the Board of
Directors, together with various instruments within Panin Dubai
Sharia Bank’s organization structure, have effectively implemented all
gCg principles. Such effectiveness is reflected in the result of Panin
Dubai Sharia Bank’s self assessment in which Panin Dubai Sharia
16 Laporan Tahunan 2016
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hasil penilaian tersebut, manajemenPanin Dubai Syariah Bankdinilai
telah melakukan penerapan gCg yang secara umum baik.
Sepanjang 2016, penerapan gCg Panin Dubai Syariah Bank berfokus
pada prinsip akuntabilitas dan tanggung jawab, dengan perincian
sebagai berikut:
1) Panin Dubai Syariah Bank akan melengkapi struktur gCg terkait
penerapan fungsi di jajaran Dewan Komisaris dan Komite
dibawah Dewan Komisaris.
2) Panin Dubai Syariah Bank senantiasa melakukan pengkinian
terhadap kebijakan dan prosedur sesuai ketentuan serta
bersinergi dengan Dubai islamic Bank dalam rangka transformasi
penerapan kebijakan sesuai standar internasional.
3) Perbaikan kualitas aset Panin Dubai Syariah Bank dalam rangka
mendukung pertumbuhan permodalan Panin Dubai Syariah
Bank.
atas penerapan tata kelola perusahaan yang baik yang dilaksanakan
di tahun 2016, Dewan Komisaris percaya bahwa Direksi beserta
seluruh jajaran pada tiap jenjang organisasi Panin Dubai Syariah Bank
mampu mempertahankan dan meningkatkan efektivitas penerapan
tata kelola perusahaan yang baik di tahun mendatang.
perubahan kOMpOSiSi Dewan kOMiSariS
terdapat perubahan komposisi Dewan Komisaris Panin Dubai Syariah
Bank pada tahun 2016. rapat Umum Pemegang Saham yang
diselenggarakan pada 19 april 2016 menyetujui untuk mengangkat
Dr. adnan abdus Shakoor Chilwan menjadi Komisaris Utama Panin
Dubai Syariah Bank.
FrekuenSi Dan tata Cara peMberian naSihat kepaDa DirekSiDewan Komisaris telah menyampaikan berbagai arahan serta nasihat
terkait kebijakan serta pengelolaan Panin Dubai Syariah Bank.
Pemberian nasihat kepada jajaran Direksi dilaksanakan melalui rapat-
rapat gabungan, yang pada tahun buku 2016 telah diselenggarakan
sebanyak 10 kali.
apreSiaSiKami menyampaikan apresiasi kepada seluruh pemangku
kepentingan Panin Dubai Syariah Bank dan para karyawan, nasabah,
serta pemegang saham, atas dukungan yang telah diberikan. Dewan
Komisaris optimis Panin Dubai Syariah Bank mampu mempertahankan
kelangsungan usaha, serta meningkatkan capaian kinerja, secara
konsisten di tahun-tahun mendatang.
wassalamu’alaikum warahmatullahi wabarakatuh.
Bank managed to obtain rank 2 with gooD predicate. Based on
the assessment results, Panin Dubai Sharia Bank’s management is
assessed to have implemented gCg properly.
throughout 2016, gCg implementation of Panin Dubai Sharia
Bank focuses on accountability and responsibility principles with the
following details:
1) Panin Dubai Sharia Bank will complete the gCg structure related
to function implementation in the Board of Commissioners and
Committees under the Board of Commissioners.
2) Panin Dubai Sharia Bank continues to update its policies and
procedures according to the applicable provisions and to synergize
with Dubai islamic Bank for the purpose of transformation of the
implementation of policies according to international standard.
3) improvement of Panin Dubai Sharia Bank’s asset quality in order
to support Panin Dubai Sharia Bank’s capital growth.
Based on the gCg implementation in 2016, the Board of
Commissioners believes that the Board of Directors and the
management at all levels of the organization within Panin Dubai Sharia
Bank will be able to maintain and even improve the effectiveness of
gCg implementation in years to come.
ChangeS in the COMpOSitiOn OF the bOarD OF COMMiSSiOnerSthere was a change in the composition of the Board of
Commissioners of Panin Dubai Sharia Bank in 2016. the general
Meeting of Shareholders, convened on april 19, 2016, approved
the appointment of Dr. adnan abdus Shakoor Chilwan as the Panin
Dubai Sharia Bank’s President Commissioner.
FrequenCy anD prOviSiOn OF aDviCe tO the bOarD OF DireCtOrSthe Board of Commissioners have provided direction and advice to
the Board of Directors regarding Panin Dubai Sharia Bank’s policies
and management. Provision of advice is conducted through joint
meetings which were held 10 times during 2016.
appreCiatiOnwe would like to extend our appreciation to all stakeholders of Panin
Dubai Sharia Bank and the employees, customers, and shareholders
for the relentless supports given. the Board of Commissioners
remains optimistic that Panin Dubai Sharia Bank has the capability
to maintain its business and improve its performance consistently in
the years to come.
wassalamu’alaikum warahmatullahi wabarakatuh.
Dr. aDnan abDuS ShakOOr ChilwanKomisaris Utama
President Commissioner
172016 AnnuAl RepoRt
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laPoran direkSiboard oF direCtorS rePort
Situasi perekonomian pada 2016 ditandai oleh tingkat pertumbuhan
yang rendah dan tidak merata di tingkat global serta tingkat
pertumbuhan yang relatif baik pada tingkat nasional. negara-negara
berkembang, seperti tiongkok dan india, diketahui mengalami
perlambatan pertumbuhan ekonomi. negara-negara maju, seperti
Britania raya dan amerika Serikat, tercatat juga mengalami
perlambatan pertumbuhan ekonomi, meski beberapa negara lain,
seperti Prancis dan Jerman, berhasil mencatatkan pertumbuhan
ekonomi walau tidak signifikan.
Di tengah situasi itu, perekonomian indonesia mampu mencatatkan
kinerja yang positif dengan angka pertumbuhan mencapai 5,02%.
Pertumbuhan tersebut tercapai seiring tingkat inflasi yang terjaga
serta pertumbuhan tingkat konsumsi rumah tangga sebesar 5,01%.
nilai tukar rupiah juga membaik, dengan tingkat volabilitas yang
rendah.
Panin Dubai Syariah Bank berhasil mencatatkan kinerja yang positif
pada tahun buku 2016.
Pada kesempatan ini, Direksi menyampaikan laporan kinerja untuk
tahun buku 2016.
economic situation in 2016 was marked by low and uneven economic
growth in global level as well as relatively good growth in national
level. Developing countries, such as China and india, experienced
slowdown in economic growth. Sluggish economic growth were
also occurred in developed countries, such as the United Kingdom
and United States. however, other countries such as France and
germany managed to record economic growth even though it was
not significant.
in the midst of such situation, indonesia managed to record a positive
performance with economic growth of 5.02%. Such growth was
achieved in line with the relatively stable inflation rate as well as the
growth of household consumption which was recorded at 5.01%.
rupiah exchange rate also improved with low volatility.
Panin Dubai Sharia Bank successfully recorded a positive performance
in 2016.
on this occasion, the Board of Directors would like to present the
performance report during 2016.
Para Pemegang Saham Dan Pemangku kePenTingan yang TerhormaT,
Dear ShareholDerS anD STakeholDerS,
Assalamu’alaikum Warahmatullahi Wabarakatuh
18 Laporan Tahunan 2016
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analiSiS kinerJaaset Panin Dubai Syariah Bank tercatat meningkat sebesar 22,82%
dibanding perolehan di tahun sebelumnya
Pembiayaan yang disalurkan sepanjang tahun 2016 tercatat
mengalami peningkatan sebesar 12,9% dibanding tahun sebelumnya,
atau meningkat dari rp5,62 triliun menjadi rp6,35 triliun.
Dana pihak ketiga meningkat dari rp5,9 triliun di tahun 2015
menjadi rp6,89 triliun di tahun 2016 atau meningkat sebesar
16,4%. total ekuitas meningkat, dari rp1,15 triliun pada tahun
sebelumnya, menjadi rp1,19 triliun di tahun 2016. Sementara itu,
laba sebelum pajak pada 2016 tercatat sebesar rp27,75 miliar dan
rasio Kecukupan Modal (Car)tercatat sebesar 18,17%.
Per 31 Desember 2016, gwM Panin Dubai Syariah Bank tercatat
sebesar 5,20% dari total Dana Pihak Ketiga, sedangkan FDr tercatat
sebesar 91,93%.
Kualitas pembiayaan terjaga secara baik melalui rasio Non Performing
Financing (nPF), yang tercatat 1,88%.
kebiJakan StrategiSDireksi senantiasa memantau dan mencermati berbagai perubahan
situasi pada lingkungan bisnis yang berdampak terhadap
perekonomian dan pasar. Dalam rangka mewujudkan visi Panin
Dubai Syariah Bank untuk menjadi bank syariah yang universal.
Beberapa kebijakan strategis yang dilakukan sebagai berikut:
1. Melakukan reprofiling pendanaan untuk mendapat biaya dana
yang lebih efisien;
2. Meningkatkan porsi pembiayaan pada sektor ritel dan UMKM;
3. Memperluas jaringan pelayanan dengan strategi yang lebih
efisien dan efektif;
4. Pengembangan teknologi informasi untuk meningkatkan kualitas
pelayanan secara cepat, tepat, dan sistematis.
Dengan masuknya Dubai islamic Bank sebagai pemegang saham
pengendali signifikan Panin Dubai Syariah Bank telah meningkatkan
Credit rating Bank dari Pefindo menjadi (id)aa- (double a minus).
Kemitraan kedua Bank tersebut akan memberikan manfaat yang
sangat bernilai bagi Bank Panin Dubai Syariah, khususnya dalam
menembus potensi pasar indonesia dengan bantuan teknis, inovasi
produk dan transfer of knowledge.
tantangan Dan keSeMpatan Panin Dubai Syariah Bank menghadapi berbagai tantangan seperti:
1. Perekonomian global dan nasional yang belum menentu.
2. Pendanaan yang murah (CaSa) dan berjangka waktu lebih
panjang.
3. Pasar industri Syariah yang potensial tetapi masih terkendala
dengan berbagai peraturan dan produk yang terbatas.
perFOrManCe analySiSthe assets of Panin Dubai Sharia Bank increased 22.82% compared
to what was achieved in the previous year.
Panin Dubai Sharia’s financing that was distributed throughout 2016
recorded an increase of 12.9% compared to the previous year, or
increased from iDr 5.62 trillion to iDr 6.35 trillion.
third-party funds increased from iDr 5.9 trillion in 2015, to iDr 6.89
trillion in 2016, or increased 16.4%. total equity increased from
iDr 1.15 trillion in the previous year to iDr 1.19 trillion in 2016.
Meanwhile, profit before tax in 2016 was iDr 27.75 billion while
Capital adequacy ratio (Car) was recorded at 18.17%.
as of 31 December 2016, the Mrr of Panin Dubai Sharia Bank was
5.20% from the total third-party funds, while the FDr was 91.93%.
the financing quality was well maintained as reflected on the non
Performing Financing (nPF) ratio which was recorded at 1.88% in 2016.
StrategiC pOliCieSthe Board of Directors consistently monitors and observes changes
in business environment which impacted the economy and market.
in realizing the vision of Panin Dubai Sharia Bank to be a universal
sharia bank.
a few Strategic policies to be implemented are as follows :
1. re-profiling funding to efficiency to obtain a better source of
funds;
2. increasing retail and MSMes Financing;
3. expanding the service network with more efficient and effective
strategies;
4. Developing comprehensive information technology to maintain
fast, accurate, and systematic service quality.
the completion of Dubai islamic Bank as the controlling shareholder
of Panin Dubai Sharia Bank has not doubt enhanced Panin Dubai
Sharia Bank’s credit rating from Pefindo to (id)aa- (double a minus).
Partnership of the two Banks will provide valuable benefits to Panin
Dubai Sharia Bank, particularly in utilizing the market’s potential in
indonesia with technical assistance, product innovation, and transfer
of knowledge.
ChallengeS anD OppOrtunitieSgoing forward, Panin Dubai Sharia Bank faced the following
challenges:
1. the uncertainty of global and national economic outlook.
2. increasing its low-cost and long term funding.
3. Potential Sharia industry but still limited in the types of its product
and services.
192016 AnnuAl RepoRt
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Panin Dubai Sharia Bank has carried out various improvements as
well as anticipative measures, among others:
1. Developed innovative funding products;
2. explored numerous Sharia Community to increase inclusive
financial program
nevertheless, the government and oJK have determined to develop
and expand the sharia economy and we are optimistic that Panin
Dubai Sharia Bank is ready to face all challenges while simultaneously
utilizes all opportunities optimally.
buSineSS OutlOOkinternational Monetery Fund (iMF) estimated the global trading to
grow by 3.08% in 2017. Moreover, the world’s gDP is predicted to
grow by 3.40%. the growth of global economy is projected to grow
by approximately 3.4%, or better compared to growth in 2016 which
was recorded at 3.1%.
indonesia’s economy is predicted to grow by 5.3% in 2017. inflation
rate is also forecasted to be maintained properly, considering the
controlled interest rate throughout 2016. Several factors which
positively impact the implementation of infrastructure development
in various areas in indonesia, as well as the success of tax amnesty
program by the government of indonesia.
iMpleMentatiOn OF gCgwe are optimistic that the implementation of gCg principles will
improve stakeholders’ trusts and sustain business growth in the
future.
Panin Dubai Sharia Bank is fully committed to consistently implement
gCg principles which consist of transparency, accountability,
responsibility, independency, and fairness.
the self-assessment on gCg carried out by Panin Dubai Sharia
Bank showed that our gCg implementation is scored 2 with gooD
predicate.
COrpOrate SOCial reSpOnSibilityPanin Dubai Sharia Bank is committed to provide positive impact to
the community. the implementation of social responsibility program
throughout 2016 among others is the provision of scholars
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