Moving Beyond the Digital Banking Era Moving Beyond the Digital Banking Era

Moving Beyond

the Digital

Banking Era

Laporan Tahunan

Annual Report

2016

PT BANK INA PERDANA Tbk

D PT BANK INA PERDANA Tbk

Laporan Tahunan 2016

Laporan Manajemen

Management Report

Profil Perusahaan

Company Profile

Tinjauan Pendukung Bisnis

Overview Of Business Support

Kilas Kinerja 2016

Flashback Performance 2016

Sanggahan dan Batasan Tanggung Jawab

DISCLAIMER

This Annual Report contains financial conditions, operational

results, projections, plans, strategies, policies, as well as

objectives of the Company, which are classified as forward￾looking statements in the implementation of the applicable laws

and regulations, excluding historical matters. Such forward￾looking statements are subject to known and unknown risks

(prospective), uncertainties, and other factors that could cause

actual results to differ materially from expected results.

Prospective statements in this Annual Report are prepared based

on numerous assumptions concerning current conditions and

future events of the Company and the business environment

where the Company conducts business. The Company does

not guarantee that all information presented herein will bring

specific results as expected.

This Annual Report also contains the word “Company”,

hereinafter referred to as PT Bank Ina Perdana Tbk, as the

company that runs business in the field of Banking. The word

“Bank Ina Perdana” and “Bank” are occasionally used to simply

refer to PT Bank Ina Perdana Tbk in general.

Laporan Tahunan ini memuat pernyataan kondisi keuangan,

hasil operasi, proyeksi, rencana, strategi, kebijakan serta tujuan

Perusahaan, yang digolongkan sebagai pernyataan ke depan

dalam pelaksanaan peraturan perundang-undangan yang

berlaku, kecuali hal-hal yang bersifat historis. Pernyataan￾pernyataan tersebut memiliki prospek risiko, ketidakpastian,

serta dapat mengakibatkan perkembangan aktual secara

material berbeda dari yang dilaporkan.

Pernyataan-pernyataan prospektif dalam laporan tahunan ini

dibuat berdasarkan berbagai asumsi mengenai kondisi terkini

dan kondisi mendatang Perusahaan serta lingkungan bisnis di

mana Perusahaan menjalankan kegiatan usaha. Perusahaan tidak

menjamin adanya hasil tertentu yang pasti tercapai berdasarkan

informasi yang disajikan.

Laporan tahunan ini memuat kata “Perseroan” yang didefinisikan

sebagai PT Bank Ina Perdana Tbk yang menjalankan bisnis dalam

bidang Perbankan. Adakalanya kata “Bank Ina Perdana” dan

“Bank” juga digunakan atas dasar kemudahan untuk menyebut

PT Bank Ina Perdana Tbk secara umum.

1 PT BANK INA PERDANA Tbk

2016 Annual Report

Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility

Analisis dan Pembahasan Manajemen

Management Discussion and Analysis

Tata Kelola

Good Corporate Governance

The IT and communication rapid development has

touched all aspect including the banking industry. In the

present and future era, technology information is the

primary key to win a competitive industry.

The Company is aware of the banking industry to

be money-less and branch-less. Virtual transaction

will replace cash transaction. Physical branch office

will eventually be gone and its function will be run by

technology information application. The cash-less society

grew and is projected to keep developing along with the

revolutionary development of IT, communication as well

as internet penetration.

To cope with such matter, the Company keep improving

its IT application to support digital banking service.

Device and application including mobile banking,

internet banking, and other e-banking features is being

developed to proved and effective and efficient service.

This year theme of “Moving Beyond the Digital Banking

Era” represented the Company’s stage in 2016 to conduct

business transformation by approach of information

technology. The Company maintained its business

foundation to welcome the digital banking.

Finally, the Company is optimistic that IT excellence will

be a determining factor in winning the coming business

competition.

Perkembangan teknologi informasi dan komunikasi

berjalan begitu pesat dan telah menyentuh semua lini

kehidupan, tak terkecuali industri perbankan. Dalam era

seperti sekarang dan di masa depan, teknologi informasi

menjadi kunci utama untuk memenangkan persaingan

dalam iklim industri yang kian kompetitif.

Perseroan menyadari bahwa masa depan industri

perbankan adalah moneyless dan branchless. Transaksi

menggunakan uang kontan akan semakin berkurang dan

digantikan oleh transaksi secara virtual. Kantor cabang

dalam bentuk fisik perlahan tapi pasti akan tergerus dan

fungsinya dapat dijalankan melalui aplikasi teknologi

informasi. Cashless society tumbuh dan diproyeksi akan

semakin berkembang seturut dengan perkembangan

revolusi teknologi infomasi dan komunikasi dan penetrasi

internet.

Menyadari hal itu, Perseroan terus berbenah untuk

mengembangkan aplikasi teknologi informasi untuk

mendukung layanan perbankan secara digital. Perangkat

dan aplikasi meliputi mobile banking, internet banking,

dan fitur e-banking lainnya terus dikembangkan untuk

memberikan pelayanan yang efektif dan efisien.

Tema tahun ini, “Moving Beyond the Digital Banking Era”,

merepresentasikan langkah Perseroan pada 2016 untuk

melakukan transformasi bisnis yang mengedepankan

pendekatan teknologi informasi. Kami terus berbenah

menciptakan pondasi bisnis untuk menyambut era

perbankan digital.

Pada akhirnya, Perseroan optimis keunggulan teknologi

informasi akan menjadi faktor penentu dalam

memenangkan persaingan bisnis pada masa mendatang.

moving beyond

the digital banking era

2 PT BANK INA PERDANA Tbk

Laporan Tahunan 2016

Laporan Manajemen

Management Report

Profil Perusahaan

Company Profile

Tinjauan Pendukung Bisnis

Overview Of Business Support

Kilas Kinerja 2016

Flashback Performance 2016

Ikhtisar Utama

Main Overview

6 Piagam & Penghargaan

Certifications & Awards

8 Peristiwa Penting 2016

2016 Significant Event

11 Kinerja dan Strategi 2016

2016 Performance and Strategy

13 Ikhtisar Data Keuangan Penting

Highlights on Significant Financial Data

LAPORAN MANAJEMEN

MANAGEMENT REPORTS

21 Laporan Dewan Komisaris

Board of Commissioners Report

PROFIL PERSEROAN

Company Profile

32 Sekilas Bank Ina Perdana

Bank Ina Perdana at a Glance

34 Identitas Perusahaan

Corporate Identity

36 Visi, Misi dan Landasan Pencapaian

Vision, Mission and Achievement Platform

37 Jejak Langkah

Milestones

38 Bidang Usaha

Line of Business

40 Produk dan Jasa

Product and Services

44 Struktur Organisasi

Organization Structure

45 Struktur Kelompok Usaha

Business Group Structure

46 Uraian Nama Pemegang Saham dan Persentase Kepemilikan

Shareholders’ Name and Ownership Percentage

15 Grafik Ikhtisar Keuangan

Charts of Financial Highlights

16 Ikhtisar Saham

Stock Overview

17 Aksi Korporasi

Corporate Action

17 Penghentian Perdagangan

Trade Suspension

47 Informasi Mengenai Pemegang Saham Utama Pengendali Emiten

Information Regarding Controlling Shareholders of Issuers

48 Profil Dewan Komisaris

Board of Commissioners’ Profile

52 Profil Direksi

Board of Directors’ Profile

57 Group Head

Group Head

60 Pimpinan Cabang dan Cabang Pembantu

Branch and Subbranch Managers

61 Kronologis Pencatatan Saham

Share Listing Chronology

65 Nama dan Alamat Lembaga dan/atau Profesi Penunjang Pasar

Modal Dalam Pelaksanaan Ipo

Name and Address of Institution and/or Capital Market Supporting

Professionals In The Implementation of Ipo

66 Jaringan Kantor

Network Offices

ANALISIS & PEMBAHASAN MANAJEMEN

MANAGEMENT DISCUSSION & ANALYSIS

118 Perekonomian Indonesia 2016

Indonesia’s Economy in 2016

120 Kinerja Perbankan Nasional 2016

National Banking Sector Performance 2016

121 Tinjauan operasional per segmen usaha

Operational Review Per Business Sector

122 Analisis Kinerja Keuangan

Financial Performance Analysis

133 Kemampuan Membayar Utang

Solvency

134 Struktur Modal

Capital Structure

Daftar Isi

Table of Contents

135 Ikatan Material Untuk Investasi Barang Modal

Material Commitments for Capital Goods Investments

135 Informasi Material Mengenai Investasi, Ekspansi, Divestasi,

Penggabungan/Peleburan Usaha, Akuisisi,Restrukturisasi Utang/

Modal

Material Information Pertaining to Investments, Expansion,

Divestment, Merger/Consolidation, Acquisition, Debt/Capital

Restructuring

135 Informasi Transaksi Material Yang Mengandung Benturan

Kepentingan Dan Transaksi Dengan Pihak Afiliasi

Information on Material Transaction Involvi ng Conflict of Interests

and Transaction with Affiliated Party

25 Laporan Direksi

Board of Directors Report

TINJAUAN PENDUKUNG BISNIS

overview supporting business

70 Manajemen Risiko

Risk Management

110 Sumber Daya Manusia

Human Resources

114 Teknologi Informasi

Information Technology

3 PT BANK INA PERDANA Tbk

2016 Annual Report

Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility

Analisis dan Pembahasan Manajemen

Management Discussion and Analysis

Tata Kelola

Good Corporate Governance

140 Kebijakan Dividen

Dividend Policy

140 Realisasi Penggunaan Dana Hasil Penawaran Umum Perdana

Actualization of The Fund Utilization of Public Offer Revenue

141 Perubahan Peraturan yang Berpengaruh Signifikan Bagi

Perseroan

Significant Changes of Regulation For The Company

141 Perubahan Kebijakan Akuntansi

Changes in Accounting Policies

TATA KELOLA

GOOD CORPORATE GOVERNANCE

144 Penerapan Tata Kelola Perusahaan yang Baik

Implementation of Good Corporate Governance

147 Hasil Self Assessment Pelaksanaan GCG

Results of Self-assessment Governance Implementation

149 Hasil RUPS

GMS Resolution

152 Dewan Komisaris

Board of Commissioners

159 Komisaris Independen

Independent Commissioner

160 Komite-komite di Bawah Dewan Komisaris

Committees of the Board of Commissioners

160 Komite Audit

Audit Committee

164 Komite Pemantau Risiko

Risk Monitoring Committee

167 Komite Nominasi dan Remunerasi

Nomination and Remuneration Committee

170 Direksi

Board of Directors

185 Komite-komite di Bawah Direksi

Committees Under The Board of Directors

185 Komite Manajemen Risiko

Risk Management Committee

186 Komite Kredit

Creditt Committee

186 Komite Kebijaksanaan Perkreditan Bank

Bank Credit Policy Committee

187 ALCO

ALCO

187 Komite IT Steering

IT Streering Committee

188 Komite Strategi Planning & Budgeting

Planning Strategy & Budgeting Committee

188 Komite Sumber Daya Manusia

Human Resources Committee

188 Frekuensi Rapat Dewan Komisaris Bersama Direksi

Frequency of Meetings between Board of Commissioners

and Board of Directors

190 Informasi Rangkap Jabatan

Information on Concurrent Position

190 Hubungan Keuangan dan Hubungan Afiliasi Antara

Anggota Dewan Komisaris, Direksi, dan Pemegang Saham

Pengendali

Financial Relationship and Affiliates Relationship between

Members of the Board of Commissioners, Directors and

Controlling Shareholders

190 Paket/Kebijakan Remunerasi dan Fasilitas Lain Bagi Dewan

Komisaris dan Direksi

Remuneration Policy and Other Facilities For Board of

Commissioners and Board of Directors

191 Penerapan Program APU & PPT

Implementation of APU and PPT Program

193 Pemegang Saham

Shareholders

195 Share Option

Share Option

196 Jumlah Penyimpangan Internal (Internal Fraud)

Internal Fraud

198 Permasalahan Hukum

Legal Issue

198 Transaksi yang Mengandung Benturan Kepentingan

Transaction with Conflict of Interest

199 Buy Back Shares dan Buy Back Obligasi Bank

Buy Back Shares and Buy Back Bank Bonds

199 Penyediaan Dana Kepada Pihak Terkait (Related Party) dan

penyediaan Dana Besar (Large Exposure)

Provision of Fund to Related Party and Provision of Large Fund

Exposure

199 Rencana Strategis Bank

Bank’s Strategic Plan

205 Transparansi Kondisi Keuangan dan Non Keuangan Bank yang

Belum Diungkap Dalam Laporan Lainnya

Transparency of Financial and Non-Financial Conditions Not

Yet Revealed in Other Reports

205 Kode Etik

Code of Conduct

206 Sekretaris Perusahaan

Corporate Secretary

208 Unit Kerja Internal Audit

Internal Audit Work Unit

210 Fungsi Audit Eksternal

External Audit Function

210 Sistem Pengendalian Internal

Internal Control System

212 Whistleblowing System

Whistleblowing System

214 Rekomendasi OJK Pedoman Tata Kelola Perusahaan Terbuka

(Peraturan Otoritas Jasa Keuangan No. 21 /POJK.04/2015)

Recommendations from OJK Code of Corporate Governance

for Public Companies (The Financial Services Authority

Regulation Number 21/POJK.04/2015)

136 Informasi dan Fakta Material yang Terjadi Setelah Tanggal

Laporan Akuntan

Information and Material Facts that Occurs After Balance

Sheet Date

136 Perbandingan antara Target dan Realisasi

Comparison Between Target and Realization

136 Prospek dan Pengembangan Usaha 2017

2017 Business Process and Development

137 Aspek Pemasaran

Marketing Aspects

TANGGUNG JAWAB SOSIAL PERUSAHAAN

CORPORATE SOCIAL RESPONSIBILITY

222 Peningkatan Kesejahteraan serta Memperkuat Perekonomian

Rakyat

Social Economic and Welfare Improvement

222 Dasar Kebijakan Pelaksanaan Tanggung Jawab Sosial yang

Dilakukan

Fundamental Policy in The Implementation of Social

Responsibility

224 Susunan Pengelola Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility Management Structure

224 Program Tanggung Jawab Sosial Perusahaan

Corporate Social Reponsibility Program

224 Kebijakan dan Pelaksanaan Tanggung Jawab

Pengembangan Sosial Kemasyarakatan

Policy and Implementation of Responsibility to The Social

Community Development

227 Kebijakan dan Pelaksanaan Tanggung Jawab Kepada

Nasabah

Policy and Implementation of Responsibility to The Customer

228 Kebijakan dan Pelaksanaan Tanggung Jawab

Ketenagakerjaan, Kesehatan dan Keselamatan Kerja

Policy and Implementation of Manpower and

Occupational Health and Safety Responsibility

Ikhtisar Utama

Main Overview

Berbagai penghargaan yang

diterima pada 2016 merupakan

bukti komitmen Bank Ina Perdana

untuk terus berupaya meningkatkan

pelayanan terbaik kepada nasabah

dan semakin meningkatkan kinerja

Bank.

Various awards received in 2016 are

proof of Bank Ina Perdana’s commitment

to continuously give the best service

to customers and improve the Bank’s

performance.

01

6 PT BANK INA PERDANA Tbk

Laporan Tahunan 2016

Laporan Manajemen

Management Report

Profil Perusahaan

Company Profile

Tinjauan Pendukung Bisnis

Overview Of Business Support

Kilas Kinerja 2016

Flashback Performance 2016

Piagam & Penghargaan

Certifications & Awards

The Best Performing Bank Of The Year

– Indonesian Creativity And Best Leader

Award 2016 dari Sembilan Bersama Media

dan Indonesian Inspire

The Best Performing Bank Of The Year

– Indonesian Creativity And Best Leader

Award 2016 from Sembilan Bersama Media

Indonesian Inspire

The Top 3 Best Banks -

Indonesian Fastest Growing

New Issuer 2016 dari

Majalah Warta Ekonomi

The Top 3 Best Banks -

Indonesian Fastest Growing

New Issuer 2016 from Warta

Ekonomi Magazine

Predikat “Sangat Bagus” Atas kinerja keuangan

tahun 2015 dari Majalah Infobank

“Excellent” Predicate for financial performance of 2015

from Infobank Magazine

The Most Efficient Bank - Kategori Bank Konvensional

Nasional Aset di bawah 20T dari Tempo Media Group dan

Indonesian Banking School

The Most Efficient Bank - Category of Conventional Bank for

National Asset below 20T from Tempo media Group Indonesian

Banking School

Penghargaan atas partisipasi

dalam kampanye Yuk Nabung

Saham dari Bursa Efek Indonesia

Award for the participation in Yuk

Nabung Saham campaign from

Indonesia Stock Exchange

Most Efficient Bank -

Kategori Bank Buku 1 dari Bisnis

Indonesia

Most Efficient Bank - Category of

Buku 1 Bank from Bisnis Indonesia

29 Januari 2016 / January 29, 2016

9 Agustus 2016 / August 9, 2016

7 September 2016 /

September 7, 2016

25 Agustus 2016 / August 25, 2016

19 Oktober 2016 / October 19, 2016

22 Maret 2016 /

March 22, 2016

7 PT BANK INA PERDANA Tbk

2016 Annual Report

Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility

Analisis dan Pembahasan Manajemen

Management Discussion and Analysis

Tata Kelola

Good Corporate Governance

8 PT BANK INA PERDANA Tbk

Laporan Tahunan 2016

Laporan Manajemen

Management Report

Profil Perusahaan

Company Profile

Tinjauan Pendukung Bisnis

Overview Of Business Support

Kilas Kinerja 2016

Flashback Performance 2016

Peristiwa Penting 2016

2016 Significant Event

Perayaan Natal bersama 2015 dan Tahun

Baru 2016, Training Centre, Jakarta.

Pelaksanaan Program Promosi “Raihlah

Keberuntunganmu Bersama Bank Ina” dalam

rangka perayaan Tahun Baru Imlek.

Operasional Layanan Payment Point di

Indogrosir Kemayoran

Operasional Layanan Payment Point di

Indogrosir Surabaya.

Menerima Penghargaan The Best Performing

Bank of The Year dari Indonesian Creativity &

Best Leader Award. Pelatihan Advance Service Excellence, Training

Centre, Jakarta.

8 Januari 2016 • January 8, 2016 1-29 Februari 2016 • February 1-29, 2016

11 Januari 2016 • January 11, 2016 8 Maret 2016 • March 8, 2016

29 Januari 2016 • January 29, 2016 12 – 13 Maret 2016 •

March 12 – 13, 2016

2015 Christmas and 2016 New Year

Celebration, Training Centre, Jakarta The implementation of Promotion Program

“Raihlah Keberuntunganmu Bersama Bank

Ina” in celebrating Chinese New Year.

Payment Point Operational Service at

Indogrosir Kemayoran

Payment Point Operational Service at

Indogrosir Surabaya

Receive award of The Best Performing Bank

of The Year from Indonesian Creativity & Best

Leader Award.

Advance Service Excellence Training, Training

Centre, Jakarta

Menerima penghargaan dari Warta Ekonomi

sebagai The Top 3 Best Bank pada Indonesian

Fastest Growing New Issuer 2016.

Rapat Umum Pemegang Saham Tahunan dan

Rapat Umum Pemegang Saham Luar Biasa,

Hotel Santika Premier Slipi, Jakarta.

Public Expose, Hotel Santika Premier Slipi,

Jakarta.

22 Maret 2016 • March 22, 2016

12 Mei 2016 • May 12, 2016

12 Mei 2016 • May 12, 2016

Announced as The Top 3 Best Bank on

Indonesian Fastest Growing New Issuer 2016

awarded from warta Ekonomi.

Annual General Meeting of Shareholders

and Extraordinary General Meeting of

Shareholders, Hotel Santika Premier Slipi,

Jakarta

Public Expose, Hotel Santika Premier Slipi,

Jakarta.

9 PT BANK INA PERDANA Tbk

2016 Annual Report

Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility

Analisis dan Pembahasan Manajemen

Management Discussion and Analysis

Tata Kelola

Good Corporate Governance

Perayaan Hari Ulang Tahun Kemerdekaan

Republik Indonesia di seluruh kantor Bank Ina.

Pelatihan Basic Leadership, Training Centre,

Jakarta.

Pelaksanaan Customer Day di seluruh kantor

Bank Ina dalam rangka Hari Pelanggan

Nasional.

18 Agustus 2016 • August 18, 2016

27-28 Agustus 2016 • August 27-28, 2016

5 September 2016 • September 5, 2016

Indonesian Independence Day Ceremony in

all Bank Ina’s offices.

Basic Leadership Training, Training Centre,

Jakarta

Customer Day implementation in all of Bank

Ina’s offices in commemorating the National

Customer Day

Pelaksanaan Literasi Keuangan di SMP & SMK

Harapan Mulia, Pademangan Jakarta Pusat

Perseroan menandatangani kerjasama

dengan Universitas Kristen Krida Wacana

(UKRIDA) untuk pemberian beasiswa dalam

program “Clement Suleeman Scholarship

Fund”.

Refreshment Sertifikasi Manajemen Risiko :

“Operasional Risk Management”, Training

Centre, Jakarta.

10 Oktober 2016 • October 10, 2016

22 September 2016 • September 22, 2016 8 Oktober 2016 • October 8, 2016

Employee Gathering di Belitung yang diikuti

oleh seluruh kantor Jakarta dan luar Jakarta.

17-18 September 2016 •

September 17-18, 2016

Employee Gathering attended by all office from

Jakarta and outside of Jakarta, in Belitung.

Implementation of Financial Literation at SMP

& SMK Harapan Mulia, Pademangan Central

Jakarta Pelaksanaan program promosi “Lucky Dip

on October” dalam rangka bulan inklusi

keuangan nasional.

3 – 31 Oktober • October 3-31, 2016

Implementation of promotion program of

“Lucky Dip on October” in the month of

national finance inclusion.

Signing of agreement with Krida wacana

christian University (UKRIDA) to provide

scholarship in the program “Clement

Suleeman Scholarship Fund”.

Pelaksanaan Literasi Keuangan di SD Harapan

Mulia, Pademangan Jakarta Pusat

7 Oktober 2016 • October 7, 2016

Financial Literation Implementation at SD

Harapan Mulia, Pademangan Central Jakarta

Risk Management Certification Refreshment:

“Risk Management Operational”, Training

Centre, Jakarta

Pelaksanaan Literasi Keuangan di TK Bethel,

Jakarta Pusat

14 Oktober 2016 • October 14, 2016

Financial Literation implementation at TK

Bethel, Central Jakarta

Buka Puasa Bersama Training Center, Jakarta.

Iftar with all Training Centre, Jakarta

17 Juni 2016 • June 17, 2016

10 PT BANK INA PERDANA Tbk

Laporan Tahunan 2016

Laporan Manajemen

Management Report

Profil Perusahaan

Company Profile

Tinjauan Pendukung Bisnis

Overview Of Business Support

Kilas Kinerja 2016

Flashback Performance 2016

Kunjungan Siswa SD Kristen Aletheia ke

Kantor Cabang Lumajang dalam rangka

literasi Edukasi Keuangan.

19 Oktober 2016 • October 19, 2016

Student Visit of SD Kristen Aletheia students

to Lumajang Branch Office to educate on the

Financial Education

Pelaksanaan Literasi Keuangan di SDN Jaka

Setia 6, Bekasi.

Pelaksanaan Literasi Keuangan di lembaga

Pendidikan Dian Nusantara, Jl. Dr Wahidin

Solo.

20 Oktober 2016 • October 20, 2016

20 Oktober 2016 • October 20, 2016

Financial Literation implementation at SDN

Jaka Setia 6, Bekasi

Financial Literation implementation at

educational institution of Dian Nusantara,

Jl. Dr. Wahidin Solo

Pelaksanaan Literasi Keuangan di TK Putra

Pasar Jum’at, Jakarta Selatan.

21 Oktober 2016 • October 21, 2016

Financial Literation implementation at TK

Putra Pasar Jum’at, South Jakarta

Pelaksanaan Literasi Keuangan di SD Aloysius

01 Semarang.

Kunjungan Siswa TK Kristen Aletheia ke

Kantor Cabang Lumajang dalam rangka

literasi Edukasi Keuangan.

22 Oktober 2016 • October 22, 2016

24 Oktober 2016 • October 24, 2016

Financial Literation implementation at SD

Aloysius 01 Semarang

Student Visit of TK Kristen Aletheia to

Lumajang Branch Office to educate on the

Financial Education

Rapat Umum Pemegang Saham Luar Biasa,

gedung BEI, Jakarta.

4 November 2016 • November 4, 2016

Extraordinary General Meeting of

Shareholders at ISE building, Jakarta

Penandatanganan Perjanjian Kerjasama

Pemanfaatan Nomor Induk Kependudukan,

Data Kependudukan, dan Kartu Tanda

Penduduk Elektronik, di Gedung C Ditjen

PMD Kementerian Dalam Negeri, Pasar

Minggu, Jakarta.

Operasional Layanan Payment Point di

Indogrosir Tangerang.

Kegiatan Corporate Social Responsibility (CSR)

yang diselenggarakan di Padalarang, Jawa

Barat.

24 November 2016 • November 24, 2016

1 Desember 2016 • December 1, 2016

8 Desember 2016 • December 8, 2016

Signing of Cooperation Agreement of

Utilization of Resident Number, Demographic

Data, and Electronic ID Card, at C Ditjen PMD

Building of the Home Affair Ministry, Pasar

Minggu, Jakarta

Payment Point Operational Service at

Indogrosir Tangerang

Corporate Social Responsibility (CSR) activity

organized in Padalarang, West Java.

Pelaksanaan Literasi Keuangan di TK

Bhayangkari, Ciputat Raya, Jakarta Selatan.

19 Oktober 2016 • October 19, 2016

Financial Literation implementation at TK

Bhayangkari, Ciputat Raya, South Jakarta

11 PT BANK INA PERDANA Tbk

2016 Annual Report

Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility

Analisis dan Pembahasan Manajemen

Management Discussion and Analysis

Tata Kelola

Good Corporate Governance

Tahun 2016 yang disebutkan oleh pemerintah sebagai tahun

pemulihan bagi perekonomian Indonesia karena sudah

mengalami perlambatan pertumbuhan ekonomi selama 2

tahun berturut-turut, seiring pelemahan ekonomi global yang

menyeret kinerja perdagangan dalam negeri akibat harga

komoditas yang turun tajam. APBN 2014-2015 yang dinilai over￾estimated dengan target penerimaan negara cukup tinggi, di

tahun 2016 terpaksa diambil langkah-langkah koreksi terhadap

APBN agar lebih kredibel, konsisten dan sustainable dengan

memotong anggaran sebesar Rp165 triliun karena penerimaan

pajak diperkirakan short fall Rp219 triliun. Pertumbuhan

ekonomi Indonesia tahun 2016 sesuai data Badan Pusat Statistik

(BPS) akhirnya mencatat tumbuh 5,02% (yoy), membaik

dibandingkan dengan tahun 2015 yang tumbuh sebesar

4,88% (yoy) walaupun belum mampu memenuhi target APBN

2016 sebesar 5,2%. Konsumsi rumah tangga tumbuh cukup

kuat didukung oleh terjaganya daya beli seiring dengan inflasi

yang terkendali. Kinerja ekspor juga menunjukkan perbaikan

ditopang meningkatnya volume perdagangan dunia serta

harga beberapa komoditas yang meningkat seperti batubara

dan minyak sawit.

Di sisi perbankan nasional, pada tahun 2016 Bank Indonesia

telah mengeluarkan berbagai pelonggaran moneter seperti

penurunan Giro Wajib Minimum (GWM) menjadi 6,5% pada

Maret 2016, pemangkasan bunga acuan Bank Indonesia (BI

rate) 100 basis point (bps) dari 7,50% per Desember 2015

menjadi 6,50% per Juli 2016 yang kemudian dilanjutkan

dengan penurunan 50 basis point (bps) BI 7 day reverse repo

dari 5,25% per Agustus 2016 menjadi 4,75% per Oktober

2016, serta berbagai paket relaksasi kebijakan Pemerintah.

Namun demikian upaya tersebut belum mampu mendorong

pertumbuhan kredit perbankan nasional. Pertumbuhan kredit

perbankan nasional sejak tahun 2014 terus menunjukkan tren

melambat, pada tahun 2016 pertumbuhan kredit 7,9 % turun

dibandingkan dengan tahun 2015 sebesar 10,44%. Rasio

kredit bermasalah (non performing loan /NPL gross) perbankan

nasional juga menujukkan trend yang meningkat di tahun

2016, tertinggi menyentuh ratio 3,22% di bulan Agustus

2016 yang kemudian menurun di bulan Desember 2016

menjadi 2,9%. Perlambatan pertumbuhan ekonomi yang masih

berlanjut dan berkepanjangan telah berdampak kepada kondisi

perbankan nasional di tahun 2016 yaitu pertumbuhan kredit

yang melambat, likuiditas yang semakin ketat, meningkatnya

risiko pembiayaan, dan menurunnya tingkat efisiensi bank.

2016 was a year of economic recovery in Indonesia because

of the slow growth in economy for 2 consecutive years, along

with the weakening of global economic causing commodities

price to fall that affect domestic trade performance. The APBN

of 2014-2015 were valued over-estimated as revenue target is

high, therefore some improvement for the APBN were taken in

2016 to be more credible, consistent and sustainable by cutting

off budgets of Rp165 trillion as tax revenue were estimated

underwent short fall of Rp219 trillion. According to the Statistics

Indonesia (BPS), Indonesian economic growth recorded growth

improvement of 5.02% (yoy) compared to 2015 of 4.88% (yoy)

even though still unable to reach 2016 APBN target of 5.2%.

Household consumption is grow stronger as it is supported by

maintaining purchase power along with controlled inflation.

Export performance also shows improvement supported by

increase in the global trade volume and several commodities

prices increase such as coals and palm oil.

On the national banking side, in 2016 Indonesian Bank (BI)

issued various monetary ease such as Statutory Reserves (GWM)

to become 6.5% on March 2016, BI rate trimming 100 basis

point (bps) from 7.50% on December 2015 to become 6.50%

starting July 2016, continued with BI 50 basis point decrease

7 day reverse repo from 5.25% on August 2016 to become

4.75% since October 2016, and various government policy

of reduction packaged. However such effort is still unable to

encourage national banking credit growth. The growth of

national banking credit since 2014 shows a slowing trend,

in 2016 the credit growth decrease by 7.9% compared to

2015 of 10.44%. Non-performing loan/NPL gross of national

banking also shows an increase in 2016, the highest reach

3.22% in August 2016 and then a decrease on December

2016 to become 2.95. The continuous slowdown in economic

growth give impact on the 2016 national banking condition,

showing slowdown credit growth, restricted liquidity, increase

in financing risk, and the slowdown in bank efficiency.

Kinerja dan Strategi 2016

2016 Performance and Strategy

12 PT BANK INA PERDANA Tbk

Laporan Tahunan 2016

Laporan Manajemen

Management Report

Profil Perusahaan

Company Profile

Tinjauan Pendukung Bisnis

Overview Of Business Support

Kilas Kinerja 2016

Flashback Performance 2016

Seiring kondisi yang penuh kendala dan tantangan di tahun

2016, Bank Ina Perdana masih meraih hasil kinerja keuangan

yang positif dan terus melakukan langkah-langkah proaktif

dalam mengelola dan meminimalisasi exposure risiko yang

dihadapi. Rasio non performing loan yang meningkat akan

diupayakan penyelesaiannya dan telah memupuk Cadangan

Kerugian Penurunan Nilai (CKPN) yang cukup memadai

untuk antisipasi risiko ke depan. Pengelolaan Bank tetap

mengedepankan prinsip kehati-hatian dan tata kelola

perusahaan yang baik (Good Corporate Governance) untuk

terus memupuk kepercayaan masyarakat. Atas kondisi ini

pengembangan bisnis dilakukan secara selektif dengan tetap

merefleksikan semangat determinasi dan optimisme Bank.

Kinerja keuangan per posisi akhir Desember 2016 adalah CAR

30,36%, ROE 5,23%, ROA 1,02%, NIM 5,10%, LDR 76,30%,

NPL Gross 3,14%, NPL net 2,29%, dan BOPO 90,56%.

STRATEGI BISNIS

PT Bank Ina Perdana Tbk telah efektif memperoleh persetujuan

Pemegang Saham pengendali yang baru pada September

2015 paska go public pada 14 Januari 2014, sehingga strategi

bisnis tahun 2016 adalah mewujudkan secara bertahap

bisnis model baru berbasis teknologi informasi. Oleh karena

itu dalam masa transisi ini agar estafet bisnis dapat berjalan

dengan baik, kebijakan dan strategi manajemen tahun 2016

bertemakan “Sustainable and Quality Growth” dengan proyeksi

pertumbuhan penyaluran kredit secara konservatif.

Manajemen terus berupaya melakukan pembenahan/penataan

infrastruktur secara bertahap sebagai tahapan “transformasi

infrastruktur”, terutama terkait dengan kecukupan kuantitas

dan kualitas sumber daya manusia, layanan berbasis IT, serta

penerapan manajemen risiko dan prosedur operasional.

Sedangkan dalam pengelolaan portofolio kredit tetap senantiasa

berpedoman pada prinsip-prinsip pemberian kredit yang sehat

serta fokus pada penyelesaian kredit bermasalah baik melalui

restrukturisasi maupun likuidasi. Untuk segi pendanaan selalu

memperhatikan ketersediaan likuiditas yang cukup dengan cost

of fund yang terkendali serta mampu mendukung pertumbuhan

fungsi intermediasi.

Strategi pertumbuhnan dana dilakukan melalui pengembangan

produk dan layanan sesuai kebutuhan nasabah untuk

mendorong perluasan customer base. Secara umum dari

strategi bisnis tahun 2016 di tengah tantangan dinamika dan

perlambatan pertumbuhan ekonomi, kinerja kerja Bank Ina

Perdana mampu mencatat laba yang meningkat sebesar 8,05%

dibandingkan dengan tahun sebelumnya dan tetap mampu

merefleksikan sebagai Bank sehat.

Throughout challenging condition in 2016, Bank Ina Perdana

still exhibit a positive result in financial performance and

conduct proactive steps in managing and minimalized any risk

exposure. A settlement will be implemented for the increase in

non-performing loan ratio and has save enough Non-Financial

Assets to anticipate the future risk. The Bank management also

maintains prudent principle and Good Corporate Governance

to ensure client trust. Business development on this condition

is conducted selectively by reflecting on Bank’s spirit of

determination and optimism. Financial performance at the

end of December 2016 was CAR 30.36%, ROE 5.23%, ROA

1.02%, NIM 5.10%, LDR 76.30%, NPL Gross 3.14%, NPL net

2.29%, and BOPO 90.56%.

BUSINESS STRATEGY

PT Bank Ina Perdana has effectively obtained the approval of

new Shareholders on September 2015, after going public on

January 14, 2014 so that the 2016 business strategy is gradually

actualize the new model business based on information

technology. Therefore to ensure a good business relay in

this transition phase, the theme of “Sustainable and Quality

Growth” was taken in 2016 policy and management strategy

by conservatively projecting the growth of credit distribution.

The management strives to gradually improve/regulate the

infrastructure as a stage of “infrastructure transformation”,

especially related to the adequacy of human resource quantity

and quality, IT based service, and the implementation of risk

management and operational procedure. In managing its

credit portfolio, the management follows the guideline in

credit administration principles and focus on problematic credit

settlement both through restructuration and liquidation. While

in the financing aspect, by observing the adequacy of liquidity

availability with the controlled cost of fund and also supporting

the growth of intermediation function.

Growth fund strategy is conducted through product and service

development according to client’s need to encourage customer

base expansion. The 2016 business strategy in general,

regardless the dynamic challenges and the economic slow

growth, Bank Ina Perdana work performance able to record an

increase profit of 8.05% compared to the previous year and still

able to exhibit a healthy Bank.

13 PT BANK INA PERDANA Tbk

2016 Annual Report

Tanggung Jawab Sosial Perusahaan

Corporate Social Responsibility

Analisis dan Pembahasan Manajemen

Management Discussion and Analysis

Tata Kelola

Good Corporate Governance

Ikhtisar Data Keuangan Penting

Highlights on Significant Financial Data

Laporan Posisi Keuangan Financial Position

Uraian 2016 2015 2014 Description

Total Aset 2.359.089 2.081.523 1.951.836 Total Asset

Aset Produktif Bersih 2.184.615 1.899.341 1.795.204 Net Productive Assets

Pinjaman yang Diberikan 1.378.153 1.455.994 1.252.750 Loans

Dana Pihak Ketiga 1.800.961 1.734.291 1.626.441 Third Party Fund

Pinjaman Diterima - - - Loans Received

Total Ekuitas 482.705 319.432 302.085 Total Equity

Total Liabilitas 1.876.384 1.762.091 1.649.751 Total Liabilities

Total Biaya Dana 7,34% 8,58% 8,14% Total Cost of Fund

Jumlah lembar saham yang

ditempatkan & disetor

2.725 juta

lembar

2.100 juta

lembar

2.100 juta

lembar

Number of shares issued and

placed

dalam jutaan Rupiah, kecuali disebutkan lain (in million Rupiah, unless otherwise stated)

Laporan Laba Rugi Income Statement

Uraian 2016 2015 2014 Description

Pendapatan Bunga 241.686 225.040 182.446 Interest Income

Pendapatan Bunga Bersih 103.691 76.340 71.939 Net Interest Income

Pendapatan Operasional Lainnya 6.202 3.890 5.647 Other Operating Income

Beban Operasional 87.022 58.925 56.342 Operating Expenses

Laba Operasional 23.873 22.114 19.089 Operating Income

Laba Sebelum Pajak 22.871 21.305 21.244 Income Before Tax

Laba Bersih 18.236 16.877 15.794 Net Income

Total Laba Komprehensif 17.185 17.347 15.304 Total Comprehensive Income

Laba Bersih per Saham (Nilai Penuh) 7,66 7,97 7,60 Earning Per Share (Full Amount)

Rasio Keuangan Financial Ratio

Uraian 2016 2015 2014 Description

Permodalan Current Ratio

Rasio Kewajiban Penyediaan Modal

Minimum - Capital Adequacy Ratio -

Dengan Memperhitungkan Risiko

Kredit dan Operasional 30,36% 19,93% 25,36% Taking Account of Credit Risk

and Operational Risk

Dengan Memperhitungkan Risiko

Kredit, Operasional & Pasar 30,36% 19,66% 24,91% Taking Account of Credit Risk,

Operational Risk & Market Risk

Aset Produktif Earning Asset

Rasio Kredit Bermasalah (NPL) - Kotor 3,14% 0,21% 0,80% Non Performing Loan - Gross

Rasio Kredit Bermasalah (NPL) - Bersih 2,29% 0,08% 0,61% Non Performing Loan - Net

Aset Produktif Bermasalah 1,93% 0,16% 0,54% Non Performing Earning Asset

Cadangan Kerugian Penurunan Nilai

(CKPN) Aset Keuangan terhadap Aset

Produktif

0,98% 0,10% 0,20% Provision to Earning Asset