Documents
Resources
Learning Center
Upload
Plans & pricing Sign in
Sign Out

AR BANK MEGA 2005

VIEWS: 11 PAGES: 49

									                                Bank Mega
       BANK
                                annual report 2005
  M E G A
  Mega Tujuan Anda




Kantor Pusat
Jl. Kapten Tendean 12-14A
Jakarta 12790
Tel. 021. 7917 5000 (hunting)
Fax. 021. 7918 7100

Telex. 65567 MEGAKP IA
SWIFT ID. MEGAIDJA

www.bankmega.com
MegaCall 021. 7917 5555




strategic growth
strategic breakthrough
                                                                                             Bank Mega
                                                                                             Annual Report 2005
                                                                                             Laporan Tahunan 2005




                                                                                        02   Financial Highlights                  72   Operational and Development Processes
                                                                                             Ikhtisar Keuangan                          Proses Operasional dan Pengembangan
                                                                                        04   Kaleidoscope 2005                     75   Curriculum Vitae of Board of Commissioners
                                                                                             Kaleidoskop 2005                           Riwayat Hidup Dewan Komisaris
                                                                                        10   Message from the Chairman             78   Curriculum Vitae of Board of Directors
                                                                                             Sambutan Komisaris Utama                   Riwayat Hidup Dewan Direksi
                                                                                        18   Message from the President Director   82   Organization Structure
                                                                                             Sambutan Direktur Utama                    Struktur Organisasi
                                                                                        30   Good Corporate Governance             84   Shareholders Composition
                                                                                             Tata Kelola Perusahaan                     Komposisi Pemegang Saham
                                                                                        35   Risk Management                       85   History
                                                                                             Manajemen Risiko                           Sejarah
                                                                                        42   Information Technology                87   Our Products
                                                                                             Informasi dan Teknologi                    Produk Kami
                                                                                        45   Human Resources                       88   Management Responsibility on
                                                                                             Sumber Daya Manusia                        Financial Report
                                                                                        48   Business Review                            Tanggung Jawab Manajemen atas
                                                                                             Ulasan Bisnis                              Laporan Keuangan
                                                                                        68   Service Strategy                      89   Our Branch Network
                                                                                             Strategi Pelayanan                         Jaringan Kantor dan Alamat



                                                                                                                                   95   Financial Statement
                                                                                                                                        Laporan Keuangan




VISION to be the pride of the nation MISSION deliver sustainable customer relation-
ship by means of superior financial service offering and excellent organization capa-
bilities to increase shareholders’ values VALUES entrepreneurship, ethics, teamwork,
dynamic, commitment STRATEGY grow with optimum return, low risk and strict com-
pliance • aligned the people and organization to corporate goals • romancing our cus-
tomer and community.

VISI menjadi kebanggaan bangsa MISI mewujudkan hubungan baik yang berkesinam-
bungan dengan nasabah melalui pelayanan jasa keuangan yang prima dan kemam-
puan kinerja organisasi terbaik untuk meningkatkan nilai bagi pemegang saham
NILAI-NILAI kewirausahaan, etika, kerjasama, dinamis, komitmen STRATEGI tum-
buh dengan rasio finansial yang optimal, risiko minimal dan patuh terhadap ketentuan
yang berlaku • menyeleraskan sumber daya manusia dan organisasi dengan tujuan
perusahaan • memberikan kepuasan untuk nasabah dan masyarakat.
                                                                                              For The Year of (In Billion Rupiah)
                                                                                                                                               2005                   2004                  2003
                                                                                              Hasil Tahun Buku (Dalam Miliar Rupiah)

                                                                                              Total Assets
                                                                                              Total Aktiva
                                                                                                                                               25,109                 18,643               13,878

                                                                                              Placements with Bank Indonesia and Other Banks
                                                                                                                                                1,315                   935                  1,431
                                                                                              Penempatan pada Bank Indonesia dan Bank lain

                                                                                              Securities and Other Receivables                  9,409
                                                                                              Efek-efek dan Tagihan lainnya
                                                                                                                                                                       6,424                 2,692

                                                                                              Securities Purchased under Resell Agreements            -
                                                                                              Efek Yang dibeli Dengan Janji Dijual Kembali
                                                                                                                                                                              -              2,000

                                                                                              Loans                                            11,263
                                                                                              Kredit Yang diberikan
                                                                                                                                                                       7,581                 6,375

                                                                                              Deposits                                         21,977
                                                                                              Simpanan Pihak Ketiga
                                                                                                                                                                      15,534               11,464

                                                                                              Equity                                            1,277
                                                                                              Ekuitas
                                                                                                                                                                       1,177                 1,008

                                                                                              Net Income                                         179
                                                                                              Laba bersih
                                                                                                                                                                        320                    266




Financial Highlights
                                                                                              Financial Ratio (in Percentage)
                                                                                                                                               2005                   2004                  2003
                                                                                              Rasio Keuangan (dalam Persen)

                                                                                              Return on Assets (ROA)                             1,25                   2,99                   3,24
                                                                                              Return on Equity (ROE)                            15,11                  31,58                  32,51
                                                                                              Loan to Deposit Ratio (LDR)                       51,25                  48,80                  55,61
Ikhtisar Keuangan
                                                                                              Capital Adequacy Ratio (CAR)                      11,13                  13,53                  14,04




         Total Assets                                   Loans                                        Equity                                               Deposits
         In Billion Rupiah                              In Billion Rupiah                            In Billion Rupiah                                    In Billion Rupiah

         Total Aktiva                                   Kredit yang Diberikan                        Ekuitas                                              Simpanan Pihak Ketiga
         Dalam Miliar Rupiah                            Dalam Miliar Rupiah                          Dalam Miliar Rupiah                                  Dalam Miliar Rupiah


              13,878         18,643   25,109                6,375           7,581   11,263               1,008           1,177      1,277                     11,464              15,534      21,977
30.000                                         12.000                                        1.200                                              24.000
27.000                                         11.000                                        1.100                                              22.000
24.000                                         10.000                                        1.000                                              20.000
                                                9.000                                          900                                              18.000
21.000                                          8.000                                          800                                              16.000
18.000                                          7.000                                          700                                              14.000
15.000                                          6.000                                          600                                              12.000
12.000                                          5.000                                          500                                              10.000
 9.000                                          4.000                                          400                                               8.000
                                                3.000                                          300                                               6.000
 6.000
                                                2.000                                          200                                               4.000
 3.000                                          1.000                                          100                                               2.000
     0                                              0                                            0                                                   0
               2003           2004    2005                   2003           2004    2005                  2003           2004       2005                       2003               2004         2005




02 | Bank Mega Annual Report 2005
                                                                                                                                                                         Bank Mega Annual Report 2005 |   03
                                                                                                                                                                                                             KALEIDOSCOPE 2005
                                                                                                                                                                                                                Kaleidoskop 2005




Kaleidoscope 2005
Kaleidoskop 2005



               No.              Date               Activity                                                                     No.   Date         Activity
                                Tanggal            Aktivitas                                                                          Tanggal      Aktivitas

               01              January 7th         Opening of Surabaya Ngagel Sub Branch.                                       09    April 12th   House Ownership Credit marketing cooperation with Coldwell Banker.
                               7 Januari           Pembukaan Kantor Cabang Pembantu Surabaya Ngagel.                                  12 April     Kerjasama Pemasaran Kredit Pemilikan Rumah dengan Coldwell Banker.

               02              January 12th-14th   PT. Bank Mega Tbk.’s 2005 Annual Business Meeting.                           10    April 20th   Relocation of Bank Mega’s Non Operational Head Office from Sudirman
                               12-14 Januari       Rapat Kerja PT. Bank Mega Tbk. 2005                                                20 April     Square Office Tower A, Jalan Jendral Sudirman Kav. 45-46, Jakarta,
                                                                                                                                                   to the Menara Bank Mega building, Jalan Kapt. Piere Tendean, Jakarta.
               03              January 20th        Opening of Mataram Branch.                                                                      Relokasi Kantor Pusat Non Operasional - dari Sudirman Square Office
                               20 Januari          Pembukaan Kantor Cabang Mataram.                                                                Towers, Tower A, Jalan Jendral Sudirman Kav. 45-46, Jakarta ke Menara
                                                                                                                                                   Bank Mega, Jalan Kapt. Piere Tendean - Jakarta.
               04              February 5th        Bank Mega in cooperation with all member companies of the PARA
                               5 Februari          Group carried out the construction of the Madani Children’s Home building    11    April 20th   Re-launching of the Bank Mega www.bankmega.com website.
                                                   for orphans who were victims of the earthquake and Tsunami wave                    20 April     Peluncuran kembali website Bank Mega dengan alamat
                                                   disasters. Madani Children’s Home is located in Deli Serdang Sub District,                      www.bankmega.com
                                                   North Sumatra.
                                                   Bank Mega bekerja sama dengan seluruh perusahaan dibawah PARA                12    April 21st   House Ownership Credit Marketing Cooperation with L.J. Hooker.
                                                   Group melakukan pembangunan Rumah Anak Madani bagi anak                            21 April     Kerjasama Pemasaran Kredit Pemilikan Rumah dengan L.J. Hooker.
                                                   yatim piatu korban bencana alam gempa bumi dan gelombang Tsunami.
                                                   Rumah Anak Madani tersebut berlokasi di Kabupaten Deli Serdang,              13    April 26th   Bank Guarantee Insurance warranty cooperation with Askrindo.
                                                   Sumatera Utara.                                                                    26 April     Kerjasama Penjaminan Penerbitan Bank Garansi dengan Askrindo.

               05              March 1st           Launch of Mega Super Bonus IV Promotion Program with prizes of 400           14    May 10th     House Ownership Credit marketing cooperation with Century 21.
                               1 Maret             Daihatsu Xenia. The program lasted a total of 200 working days between             10 Mei       Kerjasama Pemasaran Kredit Pemilikan Rumah dengan Century 21.
                                                   March 1st, 2005, and January 20th, 2006.
                                                   Peluncuran Program Undian Mega Super Bonus IV dengan hadiah berupa           15    May 11th     Launch of Mega Rencana, a direct prize program for customers opening
                                                   400 buah Daihatsu Xenia. Periode program berlangsung dari 1 Maret 2005             11 Mei       Mega Rencana planned package savings accounts. The direct prizes
                                                   sampai dengan 20 Januari 2006 (200 hari kerja).                                                 included Nokia hand phones, flat TVs and traveling bags, depending
                                                                                                                                                   on the package chosen.
               06              March 7th           Increased payment facilities for telephone and telecommunications services                      Peluncuran Mega Rencana Paket Promo, yaitu program hadiah langsung
                               7 Maret             in Telkom Regional Division V at all Mega 0 ATMs, as well as through Mega                       bagi nasabah yang membuka tabungan Mega Rencana. Hadiah langsung
                                                   Autopay, Mega Call and Mega Internet Banking.                                                   tergantung dari jenis paket yang diambil, antara lain berupa Handphone
                                                   Peningkatan fasilitas pembayaran Telkom Divre V di seluruh ATM Mega 0,                          Nokia, TV Flat, dan Travelling Bag.
                                                   Mega Autopay, Mega Call dan Mega Internet Banking.
                                                                                                                                16    May 12th     Launch of Mega ATM & Debit Instant Card service, under which customers
               07              March 10th          Annual Shareholders’ General and Extraordinary Meeting with several                12 Mei       opening Mega Dana, Mega Maxi and Mega Pro bank accounts were provid-
                               10 Maret            important items on the agenda, including:                                                       ed with Mega Pass ATM cards.
                                                   1. Appointment of Mr. Rachmat Maulana as a Commissioner.                                        Peluncuran layanan Mega ATM & Debit Instant Card, yaitu pemberian kartu
                                                   2. Appointment of Mr. Daniel Budirahaju as a Director.                                          ATM Mega Pass bersamaan dengan pembukaan rekening Mega Dana,
                                                   3. Distribution of Cash Dividends, Share Dividends and Bonus Shares.                            Mega Maxi, dan Mega Pro.
                                                   4. Sale of Bank Mega’s shares in PT. Mega Capital Indonesia to
                                                      PT. Para Global Investindo.                                               17    May 26th     Opening of Purwokerto Branch.
                                                   Rapat Umum Pemegang Saham Tahunan dan Luar Biasa dengan beberapa                   26 Mei       Pembukaan Kantor Cabang Purwokerto.
                                                   agenda penting antara lain:
                                                   1. Pengangkatan Bapak Rachmat Maulana sebagai Komisaris.                     18    May 27th     Opening of Malang Kawi Sub Branch.
                                                   2. Pengangkatan Bapak Daniel Budirahaju sebagai Direktur.                          27 Mei       Pembukaan Kantor Cabang Pembantu Malang Kawi.
                                                   3. Pembagian Dividen Tunai, Dividen Saham dan Saham Bonus.
                                                   4. Penjualan Saham Bank Mega pada PT. Mega Capital Indonesia                 19    May 31st     House Ownership Credit marketing cooperation with ERA Graharealty.
                                                      ke PT. Para Global Investindo.                                                  31 Mei       Kerjasama Pemasaran Kredit Pemilikan Rumah dengan ERA Graharealty.

               08              April 1st           Launch of Mega Visa For Life (Jazz) Promotion Program with prizes            20    June 1st     Launch of Smart Pay Mega Visa program, which provides purchase
                               1 April             including 12 Honda Jazz Limited Edition, Lamborghini wristwatches and free         1 Juni       installment payment facilities through Mega Visa credit card.
                                                   annual fee program during the first year for new cardholders. The program                       Peluncuran program Smart Pay Mega Visa, yaitu fasilitas cicilan bagi
                                                   ran from April 1st until July 25th, 2005.                                                       pembelian dengan menggunakan kartu kredit Mega Visa.
                                                   Peluncuran Program Undian Mega Visa For Life (Jazz) dengan hadiah utama
                                                   berupa 12 unit Honda Jazz Limited Edition, hadiah langsung jam tangan
                                                   Lamborghini, serta bebas iuran tahun pertama bagi pemegang kartu baru.
                                                   Periode program berlangsung dari 1 April sampai dengan 25 Juli 2005.



              04 | Bank Mega Annual Report 2005                                                                                                                                                   Bank Mega Annual Report 2005 |   05
                                                                                                                                                                                                                     KALEIDOSCOPE 2005
                                                                                                                                                                                                                        Kaleidoskop 2005




Kaleidoscope 2005
Kaleidoskop 2005



               No.              Date              Activity                                                                        No.   Date             Activity
                                Tanggal           Aktivitas                                                                             Tanggal          Aktivitas

               21              June 6th           Upgrading of the Tendean Sub Branch into a Branch.                              34    August 15th      Relocation of the Jakarta Roxy Mas Sub Branch.
                               6 Juni             Peningkatan Status Kantor Cabang Pembantu Tendean menjadi                             15 Agustus       Relokasi Kantor Cabang Pembantu Jakarta Roxy Mas.
                                                  Kantor Cabang.
                                                                                                                                  35    August 20th      Opening of the "Mega Merdeka" the annual employee’s Sports and Arts Event.
               22              June 8th           Relocation of Priority Banking to Menara Bank Mega.                                   20 Agustus       Pembukaan Pekan Olah Raga dan Seni “Mega Merdeka”.
                               8 Juni             Relokasi Priority Banking ke Menara Bank Mega.
                                                                                                                                  36    August 26th      Customer Gathering Program in Banjarmasin.
               23              June 8th           Opening of Palembang Trade Center Sub Branch.                                         26 Agustus       Customer Gathering di Banjarmasin.
                               8 Juni             Pembukaan Kantor Cabang Pembantu Palembang PTC.
                                                                                                                                  37    August 29th      Customer Gathering Program in Yogyakarta.
               24              June 13th          Opening of Jakarta Pondok Indah Branch.                                               29 Agustus       Customer Gathering di Yogyakarta.
                               13 Juni            Pembukaan Kantor Cabang Jakarta Pondok Indah.
                                                                                                                                  38    August 30th      Opening of the Semarang Peterongan Sub Branch.
               25              June 16th          Opening of Kudus Branch.                                                              30 Agustus       Pembukaan Kantor Cabang Pembantu Semarang Peterongan.
                               16 Juni            Pembukaan Kantor Cabang Kudus.
                                                                                                                                  39    August 30th      Customer Gathering Program in Semarang.
               26              July 1st           Mega Dollar Promotion Program with direct prizes of 15 inch flat TVs or               30 Agustus       Customer Gathering di Semarang.
                               1 Juli             DVD players. The program ran from July 1st until September 30th, 2005.
                                                  Program Promosi Mega Dollar berhadiah langsung TV Flat 15” dan                  40    September 1st    Marketing of Mega Idaman Bancassurance Products.
                                                  atau DVD Player. Program berlangsung dari 1 Juli sampai dengan                        1 September      Pemasaran Produk Bancassurance Mega Idaman.
                                                  30 September 2005.
                                                                                                                                  41    September 5th    Official start of Executive MBA educational joint program with Asian Institute
               27              July 14th          Opening of Banjarmasin Banjarbaru Sub Branch.                                         5 September      of Management, Philippines.
                               14 Juli            Pembukaan Kantor Cabang Pembantu Banjarmasin, Banjarbaru.                                              Peresmian dimulainya program pendidikan Executive MBA
                                                                                                                                                         dengan Asian Institute of Management, Filipina.
               28              July 22nd          Opening of Jakarta Kramat Raya Sub Branch.
                               22 Juli            Pembukaan Kantor Cabang Pembantu Jakarta Kramat Raya.                           42    September 8th    Customer Gathering Program in Batam.
                                                                                                                                        8 September      Customer Gathering di Batam.
               29              August 5th         Opening of Jakarta Cinere Sub Branch.
                               5 Agustus          Pembukaan Kantor Cabang Pembantu Jakarta Cinere.                                43    September 15th   Indofood Gathering Program in Jakarta.
                                                                                                                                        15 September     Indofood Gathering di Jakarta.
               30              August 6th         Grand Opening of the Menara Bank Mega building by the President of the
                               6 Agustus          Republic of Indonesia Mr. Susilo Bambang Yudhoyono. Also present at the         44    September 20th   Customer Gathering Program in Surabaya.
                                                  event were the Vice President of the Republic of Indonesia Mr. Jusuf Kalla            20 September     Customer Gathering di Surabaya.
                                                  as well as the Chairman of the People’s Consultative Assembly (MPR)
                                                  Mr. Hidayat Nur Wahid, Speaker of the House of Representatives (DPR)            45    September 22nd   Customer Gathering Program in Makassar.
                                                  Mr. Agung Laksono, the Governor of Bank Indonesia (BI) the central bank,              25 September     Customer Gathering di Makassar.
                                                  several ministers from the United Indonesia Cabinet, the Governor of the
                                                  Special Capital Territory (DKI) of Jakarta, Ambassadors from friendly nations   46    September 27th   Customer Gathering Program in Bandung.
                                                  and business colleagues.                                                              27 September     Customer Gathering di Bandung.
                                                  Grand Opening Menara Bank Mega oleh Presiden R.I. Bapak Susilo
                                                  Bambang Yudhoyono. Acara peresmian dihadiri juga oleh Wakil Presiden            47    September 28th   Launch of Mega Visa for Life Promotional Program with 50 main prizes of 42
                                                  R.I Bapak Jusuf Kalla, Ketua MPR Bapak Hidayat Nur Wahid, Ketua DPR                   28 September     inch plasma TVs each awarded every day, plus Lamborghini wristwatches as
                                                  Bapak Agung Laksono, Gubernur Bank Indonesia, Sejumlah Menteri                                         well as free annual fee program during the first year for new cardholders.
                                                  Kabinet Indonesia Bersatu, Gubernur DKI Jakarta, Duta besar negara                                     The program ran from October 1st, 2005, until January 15th, 2006.
                                                  sahabat, serta relasi bisnis.                                                                          Peluncuran Program Undian Mega Visa For Life “TV Plasma 42” Setiap
                                                                                                                                                         Hari dari Mega Visa” dengan hadiah utama berupa 50 unit TV Plasma 42”
               31              August 8th-9th     Mid Year Business Meeting 2005.                                                                        yang diundi setiap hari, hadiah langsung jam tangan Lamborghini, serta
                               8-9 Agustus        Rapat Kerja Pertengahan Tahun 2005.                                                                    bebas iuran tahun pertama bagi pemegang kartu baru. Periode program
                                                                                                                                                         berlangsung dari 1 Oktober 2005 sampai dengan 15 Januari 2006.
               32              August 9th         Setting-up of the Surabaya Regional Office.
                               9 Agustus          Pembentukan Kantor Wilayah Surabaya.                                            48    September 30th   Customer Gathering Program in Palembang.
                                                                                                                                        30 September     Customer Gathering di Palembang.
               33              August 12th        House Ownership Credit marketing cooperation with Ray White.
                               12 Agustus         Kerjasama Pemasaran Kredit Pemilikan Rumah dengan Ray White.




              06 | Bank Mega Annual Report 2005                                                                                                                                                           Bank Mega Annual Report 2005 |   07
                                                                                                                                                                                                               KALEIDOSCOPE 2005
                                                                                                                                                                                                                  Kaleidoskop 2005




Kaleidoscope 2005
Kaleidoskop 2005



               No.              Date              Activity                                                                      No.   Date             Activity
                                Tanggal           Aktivitas                                                                           Tanggal          Aktivitas

               49              October 3rd        Launch of Mega Rencana promotion, a direct prize program for customers        61    October 25th     The status upgrade of the Bekasi A. Yani Sub Branch into a Branch.
                               3 Oktober          opening Mega Rencana savings accounts. Direct prizes included several               25 Oktober       Peningkatan Status Kantor Cabang Pembantu Bekasi A. Yani menjadi
                                                  Suzuki Shogun and Suzuki Smash motorbikes, as well as Nokia handphones,                              Kantor Cabang.
                                                  flat TVs and traveling bags.
                                                  Peluncuran Mega Rencana Paket Promo, yaitu program hadiah langsung            62    October 27th     The status upgrade of the Jakarta Roxy Mas Sub Branch into a Branch.
                                                  bagi nasabah yang membuka tabungan Mega Rencana. Hadiah langsung                    27 Oktober       Peningkatan Status Kantor Cabang Pembantu Jakarta Roxy Mas menjadi
                                                  tergantung dari jenis paket yang diambil, antara lain berupa Suzuki Shogun,                          Kantor Cabang.
                                                  Suzuki Smash, Handphone Nokia, TV Flat, dan Travelling Bag.
                                                                                                                                63    November 24th    Annual Public Expose.
               50              October 11th       Customer Gathering Program (Pension Fund) in Jakarta.                               24 November      Public Expose Tahunan.
                               11 Oktober         Customer Gathering (Dana Pensiun) di Jakarta.
                                                                                                                                64    November 24th    Customer Gathering Program in Madiun.
               51              October 13th       Mega Sharing, an annual social activities of givings to the poors.                  24 November      Customer Gathering di Madiun.
                               13 Oktober         Kegiatan sosial Mega Berbagi.
                                                                                                                                65    November 25th    Opening of Jember Branch.
               52              October 14th       Customer Gathering Program in Medan.                                                25 November      Pembukaan Kantor Cabang Jember.
                               14 Oktober         Customer Gathering di Medan.
                                                                                                                                66    November 28th    Opening of Jakarta Green Garden Sub Branch.
               53              October 19th       Launch of Mega Depo Valas (foreign exchange deposit account)                        28 November      Pembukaan Kantor Cabang Pembantu Jakarta Green Garden.
                               19 Oktober         and Mega Giro products using Euro currency.
                                                  Peluncuran produk Mega Depo Valas dan Mega Giro dengan                        67    November 24th    Opening of Kendari Branch.
                                                  mata uang Euro.                                                                     24 November      Pembukaan Kantor Cabang Kendari.

               54              October 21st       Customer Gathering Program in Manado.                                         68    December
                               21 Oktober         Customer Gathering di Manado.                                                       19th-20th        Preliminary 2006 Business Meeting.
                                                                                                                                      19-20 Desember   Pra Rapat Kerja 2006.
               55              October 24th       Launch of another Mega Dollar Direct Prizes Promotion Program. Every cus-
                               24 Oktober         tomer who opened a Mega Dollar savings account, with a certain nominal        69    December 27th    Opening of Blitar Branch.
                                                  amount and term, received a direct prize including Suzuki Swift sedan,              27 Desember      Pembukaan Kantor Cabang Blitar.
                                                  Sony DVD Handy cams and 15 inch or 21 inch LG flat TVs.
                                                  Peluncuran Program Promosi Mega Dollar Berhadiah Langsung Tahap 2.            70    December 27th    Opening of Jakarta ITC Depok Sub Branch.
                                                  Setiap pembukaan tabungan Mega Dollar dengan jumlah nominal dan                     27 Desember      Pembukaan Kantor Cabang Pembantu Jakarta ITC Depok.
                                                  jangka waktu tertentu mendapatkan hadiah langsung antara lain Suzuki
                                                  Swift, DVD Handycam Sony, TV Flat LG 21” dan 15”.                             71    December 28th    Opening of Surabaya Sidoarjo Sub Branch.
                                                                                                                                      28 Desember      Pembukaan Kantor Cabang Pembantu Surabaya Sidoarjo.

               56              October 24th       Launch of ATM transfer facilities between member banks of the ATM Prima
                               24 Oktober         Network.
                                                  Peluncuran fasilitas transfer antar bank anggota Jaringan ATM Prima.

               57              October 24th       Opening of Jakarta Cibubur Sub Branch.
                               24 Oktober         Pembukaan Kantor Cabang Pembantu Jakarta Cibubur.

               58              October 24th       The status upgrade of the Jakarta Tendean Sub Branch into a Branch.
                               24 Oktober         Peningkatan Status Kantor Cabang Pembantu Jakarta Tendean menjadi
                                                  Kantor Cabang.

               59              October 24th       Blok M Plaza’s offsite ATM starts operation.
                               24 Oktober         Pengoperasian ATM Offsite di Blok M Plaza.

               60              October 25th       The status upgrade of the Jakarta Gunung Sahari Sub Branch into a Branch.
                               25 Oktober         Peningkatan Status Kantor Cabang Pembantu Jakarta Gunung Sahari
                                                  menjadi Kantor Cabang.




              08 | Bank Mega Annual Report 2005                                                                                                                                                     Bank Mega Annual Report 2005 |   09
                                                                                                                                                                                 MESSAGE FROM THE CHAIRMAN
                                                                                                                                                                                     Sambutan Komisaris Utama




                                                                                                                                                       The choice of the bank being focused on the
                                                                                                                                                       retail sector is by no means something sud-
                                                                                                                                                       den because for the last eight years everyone
                                                                                                                                                       at Bank Mega has worked hard to achieve
                                                                                                                                                       the corporate mission.
Message from the Chairman
                                                                                                                                                       Pilihan menjadi bank berfokus di segmen
Sambutan Komisaris Utama                                                                                                                               retail bukanlah pilihan yang tiba-tiba, karena
PT. Bank Mega Tbk.
                                                                                                                                                       selama delapan tahun terakhir ini segenap
                                                                                                                                                       jajaran Bank Mega telah bekerja keras untuk
Chairul Tanjung                                                                                                                                        mencapai misi perusahaan.




                                      Since 2004, Bank Mega has already put into place            The global economy in 2005 endured a journey                 Perjalanan ekonomi global pada tahun 2005
                                                                                            that was by no means a smooth one. The jump in               dilewati dengan rapor yang kurang menggembirakan.
                                      the basis for new growth by focusing itself towards
                                                                                            world oil prices to in excess of US$70 per barrel            Melonjaknya harga minyak dunia hingga menyentuh
                                      the retail sector. This is aimed at Bank Mega be-     affected global economic growth so much that there           US$70 per barel telah mengakibatkan pertumbuhan
                                      coming one of the largest retail banks in Indonesia   was no hope of achieving what had been expected              ekonomi dunia tak bisa mencapai apa yang diharap-
                                      and a source of national pride.                       at the beginning of the year. According to a report          kan pada awal tahun. Sesuai dengan laporan World
                                                                                            by the World Bank, the increase in world oil prices          Bank, kenaikan harga minyak dunia telah mengaki-
                                                                                            caused a decrease in global economic growth,                 batkan pertumbuhan ekonomi dunia turun menjadi
                                      Sejak tahun 2004, Bank Mega telah meletakkan          which dropped to 3.1% compared to the 2004                   3,1% dibanding pertumbuhan tahun 2004 yang
                                      landasan pertumbuhan baru dengan lebih memfo-         figure of 3.8%.                                              mencapai 3,8%.
                                      kuskan diri pada sektor retail yang akan membawa            The annual report of the International Monetary              Hal yang sama juga diungkapkan oleh Interna-
                                                                                            Fund (IMF) indicated much of the same with a                 tional Monetary Fund (IMF), dalam laporan tahunan-
                                      Bank Mega menjadi salah satu bank retail terbesar
                                                                                            decrease of between 0.25% and 0.5% in global                 nya bahwa kenaikan harga minyak dunia yang terjadi
                                      di Indonesia dan menjadi kebanggaan nasional.         economic growth following the increases in world oil         di pertengahan tahun 2005 telah menghambat laju
                                                                                            prices that began to rise in the middle of the year.         pertumbuhan ekonomi dunia sekitar 0,25% sampai
                                                                                            As a result of this, many energy consuming countries         0,5%. Akibatnya, banyak negara yang menjadi kon-
                                                                                            had to be capable of enduring high rates of inflation        sumen sumber energi ini harus mampu menahan
                                                                                            in order to be able to maintain economic rates.              laju inflasi yang semakin tinggi untuk mempertahan-
                                                                                                  In addition, the tighter competition between           kan laju perekonomiannya.
                                                                                            exporting countries, especially developing countries               Di samping itu tingginya persaingan di antara
                                                                                            such as Indonesia still had to face up to several diffi-     negara pelaku pasar ekspor telah menyebabkan per-
                                                                                            cult obstacles in order to achieve optimum figures.          tumbuhan ekspor di beberapa negara berkembang
                                                                                            In spite of this, for the majority of developing coun-       seperti Indonesia masih harus menghadapi berbagai
                                                                                            tries, apart from consumers, exports contributed to          kendala sehingga sulit untuk mencapai angka opti-
                                                                                            economic growth.                                             mal. Padahal, bagi sebagian besar negara berkem-


  10 | Bank Mega Annual Report 2005                                                                                                                                               Bank Mega Annual Report 2005 |   11
MESSAGE FROM THE CHAIRMAN                                                                                                                                                                              MESSAGE FROM THE CHAIRMAN
Sambutan Komisaris Utama                                                                                                                                                                                  Sambutan Komisaris Utama




                                                            The bank’s increase in business volume                 Bank Mega still did its best to develop its               Bank Mega terus berupaya untuk mengem-
                                                            was accompanied by branch expansion                    business. Bank Mega is extremely proud                    bangkan bisnis yang dijalankan. Pertum-
                                                            and strengthening of the customer base,                of its development efforts in 2005. This                  buhan usaha yang mampu mengungguli
                                                            solidified Bank Mega’s position in the                 performance had a great deal to do with                   pertumbuhan industri nasional di tahun
                                                            national banking market.                               the general public’s support for and confi-               2005 merupakan sebuah prestasi yang
                                                                                                                   dence in Bank Mega.                                       sangat membanggakan bagi Bank Mega.
                                                            Peningkatan volume usaha yang sustain-
                                                            able diiringi dengan ekspansi kantor cabang
                                                            serta menguatnya customer base, semakin
                                                            memperkokoh Bank Mega dalam pasar
                                                            perbankan nasional.



      This factor greatly affected the Indonesian           bang, selain konsumsi, ekspor merupakan sumber         growth performance. By the end of the third quarter       bisnis dengan lebih optimal. Lebih dari itu, tingginya
economy with growth being very much reduced.                pertumbuhan ekonomi.                                   of 2005, the banking sector had recorded a loan dis-      tingkat suku bunga selalu diikuti oleh kenaikan
High world oil prices resulted in an immediate rise               Hal tersebut tentu sangat berpengaruh terhadap   bursement growth up to 21%.                               tingkat risiko.
in the rate of inflation making it more and more diffi-     perekonomian Indonesia. Pertumbuhan ekonomi                  Under these circumstances, Bank Mega still                Meski demikian, ditengah berbagai kendala
cult to achieve targeted economic growth. In 2005,          Indonesia semakin menurun. Tingginya harga minyak      did its best to develop the business. Bank Mega is        yang ada, dunia perbankan nasional ternyata masih
Indonesia’s economic growth only reached 5.4%,              dunia yang secara langsung diiringi dengan tingkat     extremely proud of its development efforts in 2005.       mampu menunjukkan perkembangan kinerja yang
not as promising as had been expected.                      inflasi yang tinggi menjadikan pertumbuhan ekonomi     This performance had a great deal to do with the          cukup menggembirakan. Hingga akhir kwartal ketiga
      The increase in world oil prices also resulted        semakin sulit tercapai. Selama tahun 2005, pertum-     general public’s support for and confidence in            tahun 2005, perbankan mampu menumbuhkan
in a jump in the demand for foreign exchange in the         buhan ekonomi Indonesia hanya mampu mencapai           Bank Mega.                                                angka penyaluran kredit sebesar 21%.
domestic market. This was accompanied by adjust-            angka 5,4%. Sebuah pencapaian yang kurang                    The bank’s increase in business volume was                Dalam kondisi yang demikian, Bank Mega terus
ments in the portfolios of foreign investors in response    menggembirakan.                                        accompanied by branch expansion and strengthen-           berupaya untuk mengembangkan bisnis yang dijalan-
to changes in overseas rates of interest and limited              Kenaikan harga minyak dunia juga telah meng-     ing of the customer base, solidified Bank Mega’s          kan. Pertumbuhan usaha yang mampu mengungguli
Foreign Direct Investment (FDI) in Indonesia. These         akibatkan lonjakan kenaikan permintaan valas di        position in the national banking market. Because          pertumbuhan industri nasional di tahun 2005 meru-
then caused the value of the Rupiah to weaken.              pasar domestik. Hal tersebut masih diikuti oleh ter-   of the growth that was achieved in a relatively short     pakan sebuah prestasi yang sangat membanggakan
      The decrease in the exchange rate of the              jadinya penyesuaian portofolio investor asing dalam    period of time, all employee levels and management        bagi Bank Mega. Prestasi ini tidak bisa terlepas dari
Rupiah eventually caused an unavoidable rise in the         merespon perubahan suku bunga luar negeri serta        of Bank Mega had to fully adapt, especially with          meningkatnya dukungan dan kepercayaan masyara-
rate of inflation in Indonesia and by November 2005         masih terbatasnya Foreign Direct Investment (FDI)      regards to increasing the quality of human resources      kat terhadap Bank Mega.
inflation was at the 18.38% level. This jump in the         Indonesia. Kedua gejolak tersebut yang kemudian        in order to ensure that everyone possessed not only             Peningkatan volume usaha yang sustainable
rate of inflation meant that regulatory efforts had to      menjadikan nilai Rupiah melemah.                       professional capabilities but also high levels of         diiringi dengan ekspansi kantor cabang serta me-
be carried out in order to safeguard economic and                 Menurunnya nilai tukar Rupiah pada akhirnya      integrity.                                                nguatnya customer base, semakin memperkokoh
monetary stability. High increases in inflation resulted    menyebabkan peningkatan inflasi di Indonesia tidak           Thanks be to God Almighty because eventually        Bank Mega dalam pasar perbankan nasional.
in the regulator taking steps to increase banking           bisa dihindari dan sempat berada di posisi 18,38%      we were able to face up to the tight competition that     Namun demikian, pertumbuhan yang meningkat
sector interest rates. As from the second half of           pada bulan November 2005. Lonjakan tingkat inflasi     we faced throughout 2005 and even became an               dalam kurun waktu yang relatif singkat, menuntut
2005, the Bank Indonesia interest rate continued            tersebut membuat regulator harus melakukan berba-      important part of progress in the national banking        jajaran Bank Mega untuk menyesuaikan diri, khu-
to rise until by the end of the year it had reached         gai upaya untuk menjaga stabilitas ekonomi dan         progress. Since 2004, Bank Mega has already put           susnya di bidang peningkatan kualitas sumber daya
the 12.75% level.                                           moneter. Kenaikan inflasi yang tinggi mengakibatkan    into place the basis for new growth by focusing itself    manusia yang tidak hanya mempunyai kemampuan
      Because of this difficult situation, it was,          regulator mengambil langkah untuk menaikkan ting-      towards the retail sector. This is aimed at Bank Mega     profesional tapi juga mempunyai integritas tinggi.
unavoidable that members of the business world              kat suku bunga perbankan. Mulai semester kedua         becoming one of the largest retail banks in Indonesia           Puji syukur kami panjatkan kehadirat Tuhan
would encounter more and more difficulties in carry-        tahun 2005 secara berangsur suku bunga BI-rate         and a source of national pride.                           Yang Maha Esa karena pada akhirnya kami mampu
ing out their activities. Almost all economic sectors       terus mengalami kenaikan hingga pada akhir 2005              The choice of the bank being focused on the         melewati persaingan yang tajam selama tahun 2005,
experienced this unfriendly domestic situation. The         posisi BI-rate sudah berada di angka 12,75%.           retail sector is by no means something sudden be-         dan bahkan menjadi bagian penting bagi kemajuan
real and services sectors had to very quickly imple-              Dengan kondisi yang serba sulit tersebut, tak    cause for the last eight years everyone at Bank Mega      perbankan nasional. Sejak tahun 2004, Bank Mega
ment measures to counter this in order to be able           bisa dihindari dunia usaha menjadi semakin sulit       has worked hard to achieve the corporate mission.         telah meletakkan landasan pertumbuhan baru de-
to operate in the face of a decrease in consumption         menjalankan aktifitasnya. Hampir seluruh sektor eko-   This is aimed at creating continuous good relations       ngan lebih memfokuskan diri pada sektor retail yang
that worsened because of the increase in fuel prices        nomi merasakan betapa kondisi perekonomian dalam       with customers through the best financial services        akan membawa Bank Mega menjadi salah satu bank
and the rate of inflation. It was also the same for the     negeri kurang bersahabat. Sektor riil dan jasa harus   and organizational performance capabilities in order      retail terbesar di Indonesia dan menjadi kebanggaan
banking sector, with high rates of interest making it       dengan segera menyesuaikan langkah untuk tetap         to increase shareholder value.                            nasional.
difficult for players to run their businesses at an opti-   bisa menjalankan aktifitas ditengah tingkat konsumsi         The foundation of Bank Mega’s growth will rest            Pilihan menjadi bank berfokus di segmen retail
mum rate. Even more than this, high interest rates          masyarakat yang semakin menurun karena tingginya       on its strengths as a retail bank with innovative prod-   bukanlah pilihan yang tiba-tiba, karena selama dela-
are always accompanied by an increase in risk levels.       harga BBM dan tingkat inflasi. Demikian juga dengan    ucts that the general public wants, supported by suf-     pan tahun terakhir ini segenap jajaran Bank Mega
      In spite of all these obstacles, the national bank-   perbankan, tingkat suku bunga yang tinggi semakin      ficient and on-time information technology. In addi-      telah bekerja keras untuk mencapai misi perusahaan
ing sector was in fact able to record satisfactory          menyulitkan dunia perbankan untuk menjalankan          tion, greater emphasis has been placed on future          yaitu; menciptakan hubungan baik yang berkesinam-


12 | Bank Mega Annual Report 2005                                                                                                                                                                      Bank Mega Annual Report 2005 |   13
MESSAGE FROM THE CHAIRMAN                                                                                                                                                                               MESSAGE FROM THE CHAIRMAN
Sambutan Komisaris Utama                                                                                                                                                                                    Sambutan Komisaris Utama




Because of maximum efforts by all of the                  Dengan upaya maksimal dalam mengem-
bank’s employees, Bank Mega has been                      bangkan perusahaan, seluruh karyawan
recognized as one of the most systemic                    telah berhasil membawa Bank Mega
banks in the country by Bank Indonesia.                   menyandang predikat menjadi salah satu
This recognition by Bank Indonesia that                   Bank Sistemik. Penggolongan yang diberi-
in terms of measurement and influence,                    kan oleh Bank Indonesia menjadi Bank
Bank Mega is already acknowledged as                      Sistemik menandakan bahwa secara
a large bank the activities of which help                 ukuran dan pengaruh, Bank Mega telah
support the existing banking system.                      diakui sebagai salah satu bank besar yang
                                                          kehadirannya menunjang pergerakan sis-
                                                          tem perbankan yang ada.



corporate culture possessing more integrity and pro-      bungan dengan nasabah melalui pelayanan jasa             basis for human capital development has become             makro ekonomi yang cukup sulit dan tingginya per-
fessionalism as well as good corporate governance         keuangan dan kemampuan kinerja organisasi terbaik        the concentration of everyone at Bank Mega. We are         saingan dunia perbankan, Bank Mega tetap menca-
practices so that the bank will continuously enjoy        untuk meningkatkan nilai bagi pemegang saham.            convinced that all employees and members of the            pai berbagai kemajuan. Apalagi persaingan yang
progress in order to become the pride of the nation.            Landasan pertumbuhan Bank Mega akan ber-           Board of Directors at Bank Mega will continue to           tajam itu tidak membuat jajaran Bank Mega mela-
      On this joyful occasion, allow us the opportunity   tumpu pada kekuatan sebagai bank retail dengan           work in line with policies already determined by the       kukan praktik-praktik persaingan yang tidak wajar
of conveying our thanks to all members of the Board       inovasi produk yang diinginkan masyarakat serta du-      company as well as with regulations in force.              sehingga dapat mengurangi kualitas pengelolaan
of Directors as well as to all of the employees of Bank   kungan teknologi informasi yang memadai dan terki-             In 2006 in spite of circumstances that are still     perusahaan.
Mega who have succeeded in maintaining progress           ni. Selain dari pada itu ditekankan disini bahwa buda-   not conducive, we remain convinced that with the                 Pengelolaan manajemen risiko yang tidak hanya
under circumstances, which were not conducive             ya perusahaan yang mengedepankan integritas dan          spirit of BREAKTHROUGH, All for One, One for All,          terbatas pada risiko pasar dan risiko kredit, tapi juga
by any means, and proved themselves through the           profesionalisme serta praktek-praktek good corporate     we will transform all staff and employees into one         sudah menyangkut pada risiko operasional dan risiko
achievements made. The strong teamwork, hard              governance menjadi sendi-sendi kemajuan bank             integrated and unbreakable whole, thus enabling us         reputasi dengan basis pengembangan human capital
work and high dedication that exist mean that Bank        yang senantiasa menjadi kebanggaan bangsa ini.           to be able to continue to grow. With this spirit, we are   menjadi konsentrasi jajaran Bank Mega. Kami me-
Mega will continue to be capable of increasing cor-             Dalam kesempatan yang berbahagia ini, ijinkan      convinced that our goals of becoming one of the            mastikan bahwa seluruh jajaran karyawan dan Direksi
porate growth and performance.                            kami menyampaikan ungkapan terima kasih tulus            largest retail banks in our country and one of the top     Bank Mega tetap bekerja pada garis kebijakan yang
      The members of the Board of Commissioners           kami kepada segenap Direksi maupun seluruh kar-          ten banks in Indonesia will be realized. Continued         telah ditentukan oleh perusahaan dan peraturan
are satisfied with the work performance of all of Bank    yawan Bank Mega yang telah mampu bertahan di             commitment to become an important part of national         yang berlaku.
Mega’s employees up to now. Because of maximum            tengah kondisi yang kurang kondusif dan membuk-          development is part of Bank Mega’s progress strategy             Kedepan, pada tahun 2006 meskipun diawali
efforts by all of the bank’s employees, Bank Mega         tikan diri melalui pencapaian yang ada. Jalinan          for the future.                                            dengan kondisi yang masih kurang kondusif, kami
has been recognized as one of the most systemic           teamwork yang terjalin kuat dan kerja keras dengan             With the bank’s capitalization capabilities          yakin dengan semangat BREAKTHROUGH, All for
banks in the country by Bank Indonesia. This recog-       semangat serta dedikasi tinggi, segenap SDM Bank         and the experience of the members of the Board of          One, One for All yang kami transformasikan kepada
nition by Bank Indonesia that in terms of measure-        Mega akan terus mampu meningkatkan pertumbuh-            Directors as well as the employees of Bank Mega,           seluruh staf dan karyawan untuk menjadi satu bagian
ment and influence, Bank Mega is already acknowl-         an dan kinerja perusahaan.                               we are convinced the bank will be capable of more          yang terintegrasi dan tidak terpisah, kami mampu
edged as one of large bank to support the existing              Jajaran Komisaris puas atas hasil kerja seluruh                                                               untuk terus berkembang. Dengan semangat tersebut,
banking system. For this, we convey our thanks to         karyawan Bank Mega selama ini. Dengan upaya mak-                                                                    kami meyakini cita-cita untuk menjadi salah satu
Bank Indonesia for its guidance and supervision up        simal dalam mengembangkan perusahaan, seluruh                                                                       bank retail terbaik di negeri ini dan mampu masuk
to now.                                                   karyawan telah berhasil membawa Bank Mega me-                                                                       di jajaran sepuluh besar perbankan di Indonesia
      We are extremely grateful that, during the rela-    nyandang predikat menjadi salah satu Bank Sistemik.      The foundation of Bank Mega’s growth will                  dapat terwujud. Komitmen untuk senantiasa menjadi
tively complicated situation in 2005 caused by diffi-     Penggolongan yang diberikan oleh Bank Indonesia          rest on its strengths as a retail bank with                bagian penting pembangunan nasional merupakan
cult macroeconomic circumstances and tight compe-         menjadi Bank Sistemik menandakan bahwa secara            innovative products that the general public                bagian dari strategi kemajuan Bank Mega di masa
tition in the banking world, Bank Mega still achieved     ukuran dan pengaruh, Bank Mega telah diakui seba-        wants, supported by sufficient and on-time                 mendatang.
much progress. Despite this tight competition, no-        gai salah satu bank besar yang kehadirannya me-          information technology.                                          Dan bermodalkan kemampuan dan pengalaman
one at Bank Mega was involved in unfair competitive       nunjang pergerakan sistem perbankan yang ada.                                                                       yang dimiliki oleh Direksi maupun karyawan Bank
practices that could reduce the quality of corporate      Untuk itu, kami mengucapkan terima kasih kepada          Landasan pertumbuhan Bank Mega akan                        Mega, kami yakin akan mampu melakukan lompatan
governance.                                               Bank Indonesia atas bimbingan dan pengawasannya          bertumpu pada kekuatan sebagai bank                        pertumbuhan di masa-masa yang akan datang. Atas
      The application of risk management-not only         selama ini.                                              retail dengan inovasi produk yang diingin-                 kemajuan dan pencapaian Bank Mega, izinkan
limited to market risks and lending risks but also               Kami sangatlah bersyukur, di tengah kondisi       kan masyarakat serta dukungan teknologi                    kami menyampaikan penghargaan kepada segenap
includes operational risks and reputation risks-as the    relatif berat pada tahun 2005 yang disebabkan oleh       informasi yang memadai dan terkini.                        pemegang saham, nasabah, mitra perbankan,




14 | Bank Mega Annual Report 2005                                                                                                                                                                        Bank Mega Annual Report 2005 |   15
                                                                                  MESSAGE FROM THE CHAIRMAN
                                                                                      Sambutan Komisaris Utama




In 2006 in spite of circumstances that are                Kedepan, pada tahun 2006 meskipun
still not conducive, we remain convinced                  diawali dengan kondisi yang masih kurang
that with the spirit of BREAKTHROUGH,                     kondusif, kami yakin dengan semangat
All for One, One for All, we will transform               BREAKTHROUGH, All for One, One for All
all staff and employees into one integrated               yang kami transformasikan kepada seluruh
and unbreakable whole, thus enabling us                   staf dan karyawan untuk menjadi satu
to be able to continue to grow.                           bagian yang terintegrasi dan tidak terpisah,
                                                          kami mampu untuk terus berkembang.




growth in the future. As regards the progress and         otoritas perbankan dan Direksi serta karyawan atas
achievements made by Bank Mega, allow us to con-          dukungannya selama ini. Tidak berlebihan apabila
vey our thanks to all shareholders, customers, bank-      Dewan Komisaris menyatakan dukungan kepada
ing partners, the banking authorities and the Board       Direksi Bank Mega, serta menghargai jerih payah
of Directors as well as employees for their support.      dan dedikasi karyawan dalam meraih keberhasilan
In addition, the Board of Commissioners would like        dengan mempertahankan kinerja Bank Mega untuk
to state its support for the Board of Directors of Bank   mampu masuk di jajaran The Top Ten Bank di
Mega and appreciation for the endeavors and dedi-         Indonesia.
cation of employees in successfully maintaining the             Semoga Tuhan Yang Maha Esa selalu melim-
performance of Bank Mega so that it is capable of         pahkan rahmat dan karunia-Nya bagi kita semua,
becoming one of The Top Ten Banks in Indonesia.           dan tahun 2006 mendatang akan menjadi tahun
     With the Blessings of Almighty God, the coming       yang penuh optimisme serta tahun-tahun kemajuan
year of 2006 will be a year full of optimism and a        bagi bangsa Indonesia dan kita semua, Amin.
year of progress for the people of Indonesia and all
of us. Amen.




                                   On behalf of the Board of Commissioners
                                             PT. Bank Mega Tbk.
                                        Atas nama Dewan Komisaris
                                             PT. Bank Mega Tbk.




                                                Chairul Tanjung
                                                   Chairman
                                                Komisaris Utama




                                                                                   Bank Mega Annual Report 2005 |   17
                                                                                                                                                                        MESSAGE FROM THE PRESIDENT DIRECTOR
                                                                                                                                                                                       Sambutan Direktur Utama




                                                                                                                                                       We were determined to increase corporate
                                                                                                                                                       performance in order to achieve the quality
                                                                                                                                                       growth that we hoped for. We regarded the
                                                                                                                                                       year as one full of opportunities.
Message from the President Director
                                                                                                                                                       Kami bertekad untuk lebih meningkatkan
Sambutan Direktur Utama                                                                                                                                kinerja perusahaan agar tercapai pertum-
PT. Bank Mega Tbk.
                                                                                                                                                       buhan yang berkualitas seperti yang kami
                                                                                                                                                       inginkan. Kami menatap tahun itu dengan
Yungky Setiawan
                                                                                                                                                       sejuta harapan di pelupuk mata.




                                      Bank Mega resolved that the year of 2005 was to              At the start of 2005, with the same optimism                Memasuki tahun 2005, dengan optimisme yang
                                                                                             that we had built up from the bank’s beginnings,            kami bangun sejak awal, Bank Mega yakin bahwa
                                      be The Year of Quality Growth. During this year,
                                                                                             Bank Mega was convinced that 2005 was to be a               tahun 2005 adalah tahun yang menjanjikan bagi
                                      we stuck by the highest pillars in terms of business   promising year in terms of the development of the           perkembangan bisnis Bank Mega di pentas industri
                                      achievements at Bank Mega both in terms of lend-       bank’s business on the national banking stage. At           perbankan nasional. Di awal perjalanan, kami me-
                                      ing as well as in deposits.                            the beginning of our journey, we began full of convic-      langkahkan kaki dengan penuh keyakinan, membu-
                                                                                             tion, turning over a new page with much confidence.         ka lembaran baru dengan rasa percaya diri yang
                                                                                             Because of this, Bank Mega resolved that the year           tinggi. Oleh sebab itu, Bank Mega meletakkan tahun
                                      Bank Mega meletakkan tahun 2005 sebagai The            of 2005 was to be The Year of Quality Growth.               2005 sebagai The Year of Quality Growth. Tahun
                                      Year of Quality Growth. Tahun saatnya kami dapat       During this year, we stuck by the highest pillars in        saatnya kami dapat menancapkan tonggak-tonggak
                                      menancapkan tonggak-tonggak tertinggi dalam            terms of business achievements at Bank Mega both            tertinggi dalam pencapaian bisnis Bank Mega baik di
                                                                                             in terms of lending as well in deposits. We were            sektor pinjaman maupun simpanan. Kami bertekad
                                      pencapaian bisnis Bank Mega baik di sektor pin-
                                                                                             determined to increase corporate performance in             untuk lebih meningkatkan kinerja perusahaan agar
                                      jaman maupun simpanan.                                 order to achieve the quality growth that we hoped for.      tercapai pertumbuhan yang berkualitas seperti yang
                                                                                             We regarded the year as one full of opportunities.          kami inginkan. Kami menatap tahun itu dengan seju-
                                                                                                   The measures that we have taken proved this.          ta harapan di pelupuk mata.
                                                                                             During the first half of 2005, Bank Mega was able to              Langkah pasti kami membawa bukti. Pada se-
                                                                                             grow in line with the strategic plan that had been          mester pertama tahun 2005, Bank Mega mampu
                                                                                             determined in previous years. The pre-tax profit            tumbuh sesuai dengan rencana strategis yang telah
                                                                                             recorded by Bank Mega during this period amounted           disepakati tahun-tahun sebelumnya. Laba sebelum
                                                                                             to Rp. 235 billion, with an average every month in          pajak yang berhasil dibukukan oleh Bank Mega pada
                                                                                             the region of Rp. 40 billion. At that time we felt that     periode tersebut melaju hingga sebesar Rp. 235 mil-
                                                                                             this was a promising achievement momentum for               yar dengan rata-rata laba perbulan mencapai lebih
                                                                                             Bank Mega’s business.                                       kurang Rp. 40 milyar. Pada saat itu kami merasa, ini
                                                                                                                                                         merupakan sebuah momentum pencapaian yang


  18 | Bank Mega Annual Report 2005                                                                                                                                               Bank Mega Annual Report 2005 |   19
                                                                                                                                                                                               MESSAGE FROM THE PRESIDENT DIRECTOR
                                                                                                                                                                                                               Sambutan Direktur Utama




                                                          During the first half of 2005, Bank Mega                   Bank Mega assets experienced growth of                     Asset Bank Mega mengalami pertumbuhan
                                                          was able to grow in line with the strategic                34.9% from the Rp. 18.6 trillion recorded                  sebesar 34,9% dari Rp. 18,6 triliun pada
                                                          plan that had been determined in previous                  in 2004 to a total of Rp. 25.1 trillion at the             tahun 2004 menjadi Rp. 25,1 triliun di
                                                          years. The pre-tax profit recorded by Bank                 end of 2005.                                               akhir tahun 2005.
                                                          Mega during this period amounted to Rp.
                                                          235 billion, with an average every month                   In terms of lending, we succeeded in                       Di sisi kredit, kami berhasil membukukan
                                                          in the region of Rp. 40 billion.                           recording the highest growth in the history                pencapaian tertinggi sepanjang sejarah
                                                                                                                     of Bank Mega. In 2005, total lending was                   perjalanan bisnis Bank Mega. Tahun 2005,
                                                          Pada semester pertama tahun 2005, Bank                     recorded at Rp. 11.3 trillion, an increase                 kredit mencatat angka Rp. 11,3 triliun atau
                                                          Mega mampu tumbuh sesuai dengan ren-                       of 48.7% from the 2004 figure of                           48,7% dari Rp. 7,6 triliun di tahun 2004.
                                                          cana strategis yang telah disepakati tahun-                Rp. 7.6 trillion.
                                                          tahun sebelumnya. Laba sebelum pajak
                                                          yang berhasil dibukukan oleh Bank Mega
                                                          pada periode tersebut melaju hingga
                                                          sebesar Rp. 235 milyar dengan rata-rata
                                                          laba perbulan mencapai lebih kurang
                                                          Rp. 40 milyar.


                                                                                                                     cover the 2005 state budget deficit, in October the        APBN tahun 2005, pada bulan Oktober, pemerintah
                                                                                                                     government took the decision to increase domestic          mengambil keputusan menaikkan harga BBM dalam
                                                                                                                     fuel prices by an average of 127%. As a result,            negeri rata-rata sebesar 127%. Akibatnya laju inflasi
                                                                                                                     the inflation rate went up to 8.7% in the following        menembus angka 8,7% pada bulan-bulan tersebut.
      However, at the start of the second quarter of      begitu menjanjikan bagi bisnis Bank Mega.                  months.                                                          Tren inflasi yang meninggi merupakan kombi-
2005, the national economic situation began to                  Namun memasuki kwartal kedua tahun 2005,                   The higher inflation trend was a combination         nasi antara cost push yang terkait dengan kenaikan
become unstable. Slowly but surely, pressures were        kondisi perekonomian nasional mulai goyah. Pelan           of cost push in connection with domestic fuel price        BBM dalam negeri dan demand pull yang terkait
felt more and more as regards economic fundamen-          tapi pasti, tekanan demi tekanan dalam sendi-sendi         increases and demand pull related to Idul Fitri cele-      dengan perayaan Hari Raya Idul Fitri pada bulan
tals. We made efforts to read how the economic situ-      fundamental perekonomian bangsa semakin terasa.            brations in November 2005. The rate of inflation           November 2005. Laju inflasi (m-t-m) mencapai
ation at that time would develop. The effects of          Kamipun berupaya membaca perkembangan situasi              (m-t-m) reached 1.31%. The figure resulted in an           1,31%. Angka tersebut mengakibatkan kenaikan
increase in world oil prices that were already appar-     ekonomi yang terjadi saat itu. Meningkatnya harga          inflation increase (y-t-d) in November of 17.2% and        inflasi (y-t-d) bulan November mencapai 17,2% dan
ent in the middle of 2004 meant that the authorities      minyak dunia yang sudah terasa pada pertengahan            yearly inflation rate rise (y-o-y) of 18.4%. In order to   laju inflasi setahun (y-o-y) menembus angka 18,4%.
had to make adjustments as regards domestic fuel          tahun 2004 menuntut pemegang otoritas untuk me-            reduce the pressure on inflation and safeguard the         Untuk mengurangi tekanan inflasi dan menjaga sta-
prices with increases averaging 29%. During the sec-      lakukan penyesuaian terhadap harga BBM dalam               stability of the exchange rate of the Rupiah, domestic     bilitas nilai tukar Rupiah, maka suku bunga di dalam
ond and third quarters of 2005, pressure was placed       negeri pada bulan Maret 2005 dengan kenaikan               interest rates were also increased but in stages.          negeri juga turut dinaikan secara bertahap. Suku
on domestic monetary stability with the expectation       harga BBM rata-rata sebesar 29%. Dalam triwulan            The one-month interest rate on Bank Indonesia              bunga Sertifikat Bank Indonesia (SBI) 1 bulan pada
there was to be an increase in the interest rate of       kedua dan ketiga tahun 2005, stabilitas moneter di         Certificates (SBI)s was increased by 75 base points        akhir Agustus dinaikkan sebesar 75 bps menjadi
Fed Funds as well as an increase in the demand for        dalam negeri tertekan dengan ekspektasi kenaikan           (bps) at the end of August to 9.5%. In September,          9,5%. Bulan September, suku bunga Sertifikat
foreign currency with the result that the exchange        lanjutan suku bunga Fed Funds dan meningkatnya             the SBI interest rate was increased to 10% and then        Bank Indonesia naik menjadi 10% dan pada bulan
rate of the Rupiah weakened. This weakening of the        kebutuhan devisa untuk impor BBM yang mengaki-             to 11% in October. Following this, in order to main-       Oktober menjadi 11%. Selanjutnya, untuk menjaga
Rupiah continued until August 2005. In the second         batkan nilai tukar Rupiah melemah. Pelemahan               tain confidence in the Rupiah, bearing in mind the         kepercayaan terhadap Rupiah dengan tingginya
quarter of the year, the exchange rate of the Rupiah      Rupiah ternyata terus berlangsung hingga Agustus           high rate of inflation in these months, the BI rate was    inflasi pada bulan tersebut, BI-rate dinaikkan sebe-
was in excess of Rp. 10,000 against the US dollar.        2005. Pada semester kedua nilai tukar Rupiah mele-         increased by 125 bps to 12.25% at the beginning of         sar 125 bps menjadi 12,25% awal bulan November
However, with the policy of increasing the BI rate        wati Rp. 10.000,- per Dollar AS. Namun, dengan             November 2005. This macro situation affected and           2005. Kondisi makro tersebut tentu membawa
rapidly but gradually, the exchange rate of the           kebijakan peningkatan BI-rate secara cepat dan             impeded almost all business sectors in Indonesia.          dampak ekonomi yang cukup berarti bagi setiap
Rupiah was able to maintain a relatively stable posi-     gradual, kurs Rupiah mampu dipertahankan pada              Bank Mega also felt the effect of this national eco-       korporasi bisnis dan merembet ke hampir segala
tion at a level of Rp. 10,000 against the US dollar.      level yang relatif stabil pada kisaran Rp. 10.000,-        nomic instability. There were pressures on profit          bidang usaha di Tanah Air. Bank Mega juga mera-
On the other hand, the rate of inflation also increased   per Dollar AS. Di sisi lain, laju inflasi juga meningkat   growth in the second half                                  sakan imbas dari goyahnya perekonomian nasional.
in line with the weakening of the exchange rate of        seiring dengan melemahnya nilai tukar Rupiah,              of 2005 that we had to deal with very carefully.           Pertumbuhan laba pada semester kedua tahun
the Rupiah, the increase in domestic fuel prices and      naiknya harga BBM di dalam negeri dan tingginya            In spite of this difficult situation, the pre-tax profit   2005 mengalami tekanan yang membuat kami
anticipated higher inflation. In order to be able to      ekspektasi terhadap inflasi. Untuk menekan defisit         of Bank Mega was still able to grow to a total of          harus berlapang dada. Meski kondisi sulit, namun


20 | Bank Mega Annual Report 2005                                                                                                                                                                         Bank Mega Annual Report 2005 |   21
MESSAGE FROM THE PRESIDENT DIRECTOR                                                                                                                                                        MESSAGE FROM THE PRESIDENT DIRECTOR
Sambutan Direktur Utama                                                                                                                                                                                    Sambutan Direktur Utama




In terms of the collection of Third Party                                                                          During the year of 2005, Bank Mega was                   Sepanjang tahun 2005, Bank Mega juga
Funds, Bank Mega also experienced growth                                                                           also able to expand its network with an                  mampu menambah branch network seba-
of some 41.9% rising from the Rp. 15.5                                                                             additional 18 branch offices in several                  nyak 18 kantor di beberapa wilayah yang
trillion recorded in 2004 to Rp. 22.0 trillion                                                                     areas that were considered to have poten-                dinilai potensial. Dengan penambahan
by the end of 2005.                                                                                                tial. With these additional branches, Bank               kantor tersebut, maka, total branch net-
                                                                                                                   Mega’s total branch network now numbers                  work Bank Mega menjadi 120 unit kantor
Di bidang penghimpunan Dana Pihak Ke-                                                                              120 offices spread out in more than 30                   yang tersebar lebih dari 30 kota di seluruh
tiga (DPK), Bank Mega tetap tumbuh hing-                                                                           cities throughout Indonesia.                             Indonesia.
ga mencapai 41,9% dari Rp. 15,5 triliun
pada tahun 2004 menjadi Rp. 22,0 triliun
pada penghujung tahun 2005.


Rp. 263.7 billion by the end of 2005.                      laba sebelum pajak Bank Mega tetap tumbuh hingga              Another achievement we would like to mention       nasabah seperti: Peluncuran Mega Super Bonus IV,
     Another important factor that affected Bank           Rp. 263,7 milyar pada penghujung tahun 2005.            at this stage was the increase in the general public’s   Mega Rencana Paket Promo, Program Promosi Mega
Mega’s ongoing business operations was the increase             Catatan penting lain yang turut mewarnai per-      confidence as regards Bank Mega’s quality and serv-      Dollar serta beberapa program menarik lainnya.
in interest costs which could not be balanced by the       jalanan bisnis Bank Mega pada paruh kedua tahun         ices in the savings sector. During 2005, Bank Mega             Pencapaian lain yang patut kami sampaikan
interest rates on loans disbursed. These increased         2005 adalah kenaikan biaya bunga yang tidak bisa        in fact succeeded in recording more than 350,000         pada kesempatan yang baik ini adalah meningkatnya
rates of interest impacted on the increased volume of      diimbangi dengan suku bunga kredit yang disalur-        customers. Of course, we will continue to cultivate      kepercayaan masyarakat terhadap kualitas dan pela-
loans that first started rising at the beginning of sec-   kan. Kenaikan suku bunga tersebut berakibat pada        this level of performance with the personalized and      yanan Bank Mega di bidang simpanan dimana pada
ond quarter of 2005. Not only that, we also experi-        peningkatan volume kredit yang baru bergerak naik       professional service tradition Bank Mega to every        tahun 2005, Bank Mega berhasil membukukan lebih
enced increases in operational and investment costs.       mulai kwartal kedua tahun 2005. Tidak hanya itu,        customer wherever their locations are. By the end of     dari 350.000 nasabah funding. Tentu saja, prestasi
Despite this, and in the face of the very difficult eco-   kami juga mengalami kenaikan pada biaya operasi-        2006, we are targeting that we will have in excess of    ini akan terus kami pupuk dengan tradisi pelayanan
nomic situation, Bank Mega still persevered to try         onal dan investasi. Namun demikian, dibalik situasi     one million savings accounts. During the year of         Bank Mega yang personalized dan professional ke-
and achieve the best results possible in 2005. At the      ekonomi yang cukup sulit, Bank Mega tetap gigih         2005, Bank Mega was also able to expand its net-         pada setiap nasabah dimana saja mereka berada.
same time as this weakness in the national economy,        berjuang mencapai hasil terbaik yang dicapai pada       work with an additional 18 branch offices in several     Hingga akhir tahun 2006 nanti, kami menargetkan
Bank Mega still possessed extraordinary strength to        tahun 2005. Pada kondisi ekonomi nasional yang          areas that were considered to have potential. With       NOA di bidang simpanan akan mencapai sebanyak
grow. We still possess The Power of Growth.                melemah ketika itu, Bank Mega masih memiliki ke-        these additional branches, Bank Mega’s total branch      1 juta account. Sepanjang tahun 2005, Bank Mega
     Bank Mega assets experienced growth of 34.9%          kuatan yang luar biasa untuk tumbuh. Kami tetap         network now numbers 120 offices spread out in more       juga mampu menambah branch network sebanyak
from the Rp. 18.6 trillion recorded in 2004 to a total     mempunyai The Power of Growth.                          than 30 cities throughout Indonesia. As a follow-up      18 kantor di beberapa wilayah yang dinilai potensial.
of Rp. 25.1 trillion at the end of 2005. In terms                Asset Bank Mega mengalami pertumbuhan             to this, in order to strengthen our core business in     Dengan penambahan kantor tersebut, maka, total
of lending, we succeeded in recording the highest          sebesar 34,9% dari Rp. 18,6 triliun pada tahun          the retail banking sector, Bank Mega plans to open       branch network Bank Mega menjadi 120 unit kantor
growth in the history of Bank Mega. In 2005, total         2004 menjadi Rp. 25,1 triliun di akhir tahun 2005.      an additional 30 new branches during 2006.               yang tersebar lebih dari 30 kota di seluruh Indonesia.
lending was recorded at Rp. 11.3 trillion, an increase     Di sisi kredit, kami berhasil membukukan pencapai-            In the human resources education and develop-      Selanjutnya, untuk memperkuat core business kami
of 48.7% from the 2004 figure of Rp. 7.6 trillion.         an tertinggi sepanjang sejarah perjalanan bisnis        ment, Bank Mega worked together with the Asian           di bidang retail banking, Bank Mega berencana
This extraordinary lending growth had a great deal         Bank Mega. Tahun 2005, kredit mencatat angka            Institute of Management (AIM) of the Philippines in      menambah lagi 30 unit kantor dalam tahun 2006.
to do with the increase in accounts as well as the         Rp. 11,3 triliun atau 48,7% dari Rp. 7,6 triliun di     carrying out a special Executive MBA educational               Di bidang pendidikan dan pengembangan sum-
financing volume from the Mega Oto Joint Financing         tahun 2004. Pertumbuhan kredit yang luar biasa          program. Through this educational program, we hope       ber daya manusia, Bank Mega bekerja sama dengan
(MOJF), one of our most advantageous programs in           tersebut tentu tidak bisa dilepaskan dari peningkatan   that in the future Bank Mega will be able to create      Asian Institute of Management (AIM) Philipine
the retail banking sector. In 2005, the growth in the      account dan volume program pembiayaan Mega Otto         trustworthy and professional leaders with high levels    melaksanakan program pendidikan khusus Executive
amount of Bank Mega MOJF accounts reached more             Joint Financing (MOJF), yang merupakan program          of competency in the work environment.                   MBA. Dengan program pendidikan tersebut, kami
than 940,000 while total financing succeeded in            andalan kami di bidang retail banking. Pada tahun             In the Treasury and international banking, dur-    berharap ke depan Bank Mega mampu menciptakan
breaking through the Rp. 7.5 trillion level by the end     2005, pertumbuhan account MOJF Bank Mega                ing 2005, we succeeded in augmenting our services        pemimpin-pemimpin handal yang profesional dan
of 2005. There was also growth in the corporate,           mencapai lebih dari 940.000 dengan total pembia-        to several destination countries through implement-      memiliki kompetensi tinggi di lingkungan kerjanya.
commercial and consumer lending sectors.                   yaan berhasil menembus angka Rp. 7,5 triliun            ing cooperation agreements and increasing our net-             Di bidang Treasury dan international banking,
     In terms of Third Party Liability, Bank Mega also     pada akhir tahun 2005. Pertumbuhan juga terjadi         work of overseas correspondent banks to 800. As          sepanjang tahun 2005, kami berhasil meningkatkan
experienced growth of 41.9% rising from the Rp.            di sektor kredit korporasi, kredit komersial dan        well as, Bank Mega’s credit cards also experienced       pelayanan ke beberapa negara tujuan dengan men-
15.5 trillion recorded in 2004 to Rp. 22.0 trillion by     kredit konsumer lainnya.                                extraordinary growth which more than doubled from        jalin mitra kerja serta memperbanyak network corres-
the end of 2005. The ammunition of Bank Mega in                 Di bidang penghimpunan Dana Pihak Ketiga           35,140 in 2004 to 90,064 by the end of 2005. The         pondent bank di luar negeri sebanyak 800 jaringan.
increasing Third Party Liability included the launch of    (DPK), Bank Mega tetap tumbuh hingga mencapai           total volume of credit card outstanding automatically    Selain itu, pertumbuhan kartu kredit Bank Mega juga
several attractive, added value programs to cus-           41,9% dari Rp. 15,5 triliun pada tahun 2004 men-        also experienced a satisfactory increase of around       mengalami peningkatan yang luar biasa. Outstanding
tomers, including: the Mega Super Bonus IV pro-            jadi Rp. 22,0 triliun pada penghujung tahun 2005.       Rp. 119.7 billion, from the Rp. 75.3 billion recorded    kartu kredit Bank Mega tumbuh lebih dari dua kali
gram, the Mega Rencana Paket Promo program and             Amunisi Bank Mega dalam usahanya meningkatkan           in 2004 to Rp. 195.0 billion by the end of 2005.         lipat. Dari 35.140 pada tahun 2004 menjadi 90.064
the Mega Dollar promotion program, as well as sever-       DPK antara lain dengan meluncurkan beberapa             In the property sector, efforts to increase House        pada akhir tahun 2005. Total volume outstanding
al other interesting programs.                             program menarik yang memberi nilai tambah kepada        Ownership Credit were carried out by Bank Mega           kartu kredit secara otomatis juga mengalami pening-


22 | Bank Mega Annual Report 2005                                                                                                                                                                     Bank Mega Annual Report 2005 |   23
MESSAGE FROM THE PRESIDENT DIRECTOR                                                                                                                                                       MESSAGE FROM THE PRESIDENT DIRECTOR
Sambutan Direktur Utama                                                                                                                                                                                   Sambutan Direktur Utama




During 2005, Bank Mega succeeded in                       Pada tahun 2005, Bank Mega berhasil                                                                              On August 6th, 2005, we were very proud
disbursing House Ownership Credit                         menyalurkan kredit KPR sebesar Rp.                                                                               as regards the official move of Bank Mega’s
amounting to Rp. 197.9 billion, an increase               197,9 milyar, meningkat sekitar 69%                                                                              Head Office from Sudirman Square Office
of around 69% compared the 2004 figure                    dibanding tahun 2004 yang mencapai                                                                               to the newly completed Menara Bank
of Rp. 117.1 billion.                                     Rp. 117,1 milyar.                                                                                                Mega building.

                                                                                                                                                                           Pada tanggal 6 Agustus 2005, kebanggaan
                                                                                                                                                                           kami semakin lengkap dengan peresmian
                                                                                                                                                                           atas Kantor Pusat Bank Mega dari gedung
                                                                                                                                                                           lama di Sudirman Square Office Tower A,
                                                                                                                                                                           Jl. Jend.Sudirman, Jakarta Selatan, menuju
                                                                                                                                                                           Menara Bank Mega, Jl. Kapten P. Tendean,
                                                                                                                                                                           Jakarta Selatan.
by continuing to increase the bank’s cooperation          katan yang cukup menggembirakan, yakni, naik
network with well-known property developers and           sekitar Rp. 119,7 milyar, dari Rp. 75,3 milyar pada
credible brokers in this segment. During 2005, Bank       tahun 2004 menjadi Rp. 195,0 milyar pada akhir
Mega succeeded in disbursing House Ownership              tahun 2005. Di sektor properti, upaya untuk mening-
Credit amounting to Rp. 197.9 billion, an increase        katkan Kredit Pemilikan Rumah (KPR) ditempuh
of around 69% compared the 2004 figure of                 Bank Mega dengan terus menambah jaringan kerja-
Rp. 117.1 billion.                                        sama dengan para developer terkenal dan brokers
      Throughout 2005, Bank Mega continued to             properti yang kredibel di pangsanya. Pada tahun
act and provide quality services to every customer        2005, Bank Mega berhasil menyalurkan kredit
based on the spirit of “Romancing our Customer            KPR sebesar Rp. 197,9 milyar, meningkat sekitar       Bank Mega was the proper step to take because ever         Square Office Tower A, Jl. Jend.Sudirman, Jakarta
and Community.” This has resulted in the bank             69% dibanding tahun 2004 yang mencapai                since the acquisition of the bank by the PARA Group        Selatan, menuju Menara Bank Mega, Jl. Kapten P.
being presented with awards from the media and            Rp. 117,1 milyar.                                     in 1996, Bank Mega has experienced extremely               Tendean, Jakarta Selatan. Kami bersyukur, Presiden
well-known survey institutions in Indonesia. These             Selama tahun 2005, Bank Mega yang terus          rapid growth. Therefore a more representative head         Susilo Bambang Yudhoyono beserta Wakil Presiden
included: Extremely Good Financial Performance            berusaha memberikan pelayanan berkualitas kepada      office building was required, one that could accom-        Jusuf Kalla berkenan hadir sekaligus meresmikan
2004 from InfoBank magazine; The Best Public              setiap nasabah dengan dilandasi semangat “Roman-      modate all of the bank’s head office activities.           pembukaan Menara Bank Mega tersebut.
Company Based on the Economic Value Added (EVA)           cing our Customer and Community” mendapat peng-             The 27-floor Menara Bank Mega building has                 Menara Bank Mega merupakan gedung milik
Concept in the Bank Category from SWA magazine            hargaan dari media serta lembaga survey ternama       been constructed in an extremely strategic location in     Bank Mega yang berada dalam satu kompleks de-
working with MarkPlus & Co; and the Banking               di Tanah Air seperti penghargaan Sangat Bagus atas    the center of Jakarta’s business district. Our building    ngan Gedung Trans TV. Pembangunan Menara Bank
Service Excellence award from InfoBank magazine,          Kinerja Keuangan Tahun 2004 dari Majalah InfoBank,    has the most up-to-date security system in Indonesia       Mega adalah langkah tepat yang dilakukan karena
in cooperation with Market Research Indonesia             The Best Public Companies Based on EVA Concept -      and contains banking information technology equip-         sejak pengambilalihan Bank Mega oleh PARA Group
(MRI). Of course, these awards will inspire us to         Bank Category dari Majalah SWA bekerjasama            ment that is sufficient to meet the challenges of the      pada tahun 1996, pertumbuhan usaha Bank Mega
continue building a high work ethic and commitment        dengan MarkPlus & Co., dan Penghargaan Banking        next 20 years. The construction of Menara Bank             telah berkembang dengan sangat pesat sehingga
to do the best for the nation and the state.              Service Excellence dalam hal pelayanan dari Majalah   Mega was not a case of showing off but aimed main-         memerlukan tempat yang lebih representatif
      The performance during the last nine years has      Infobank bekerjasama dengan Market Research           ly at increasing efficiency and effectiveness.             yang dapat menampung seluruh kegiatan kantor
brought Bank Mega to a new level because in 2005          Indonesia (MRI). Tentu saja, penghargaan-penghar-           As we enter the year of 2006, all business play-     pusat bank.
Bank Indonesia officially classified Bank Mega as a       gaan tersebut akan kami maknai dengan terus mem-      ers have to be capable to maintain their activities              Menara Bank Mega dibangun setinggi 27 lantai
Systemic Bank. Allow us take this opportunity of con-     bangun etos kerja yang tinggi dan komitmen untuk      while at the same time face up to the long-term chal-      di lokasi yang sangat strategis yaitu di pusat kawas-
veying our thanks to Bank Indonesia for the acknowl-      melakukan yang terbaik bagi bangsa dan negara.        lenges that exist this year. Our prediction is that the    an bisnis di Jakarta. Gedung kami memiliki sistem
edgement it has already provided to us. One thing is           Perfoma kinerja selama sembilan tahun terakhir   economic situation in 2006 will not be that different      keamanan tercanggih di Indonesia dan dilengkapi
certain, and this is that we shall continue to maintain   membawa Bank Mega memasuki cakrawala baru             from the situation in 2005. Economic growth will be        dengan perangkat dan infrastruktur teknologi per-
and safeguard our corporate operations in line with       karena Bank Indonesia pada tahun 2005 secara          inclined to be sluggish with growth of 6% still project-   bankan yang dapat menjawab tantangan 20 tahun
the basic principles outlined by Bank Indonesia.          resmi menggolongkan Bank Mega layak menjadi           ed for 2006. In addition, the “threats” against an         ke depan. Pembangunan Menara Bank Mega adalah
      On August 6th, 2005, we were very proud as          Bank Sistemik. Pada kesempatan ini, ijinkan kami      increased rate of inflation are bolstered by price rises   bukan sekedar untuk gagah-gagahan, namun yang
regards the official move of Bank Mega’s Head Office      menyampaikan terima kasih kepada Bank Indonesia       in the nine essential household goods, fuel and elec-      lebih utama tujuannya adalah untuk meningkatkan
from Sudirman Square Office to the newly completed        untuk pengakuan yang telah diberikan kepada kami.     tricity, all of which will affect the performance on the   efisiensi dan produktivitas.
Menara Bank Mega building. We were also very              Satu hal yang pasti, kami akan terus memelihara       domestic industries.                                             Memasuki tahun 2006, masa di mana segenap
grateful that President Susilo Bambang Yudhoyono          dan menjaga intensitas jalannya operasional perusa-         Outside of these projections that will affect the    pelaku usaha harus mampu bertahan sekaligus me-
and Vice President Jusuf Kalla were both present to       haan sesuai dengan kaidah-kaidah yang digariskan      lives of many people, players in the banking sector        nembus tantangan yang menghadang perjalanan
officiate at the official opening of Menara Bank Mega.    Bank Indonesia.                                       such as Bank Mega will also be presented with many         panjang di tahun ini. Prediksi kami, situasi dan kon-
      Menara Bank Mega is a building belonging to              Pada tanggal 6 Agustus 2005, kebanggaan kami     challenges that whether they it or not they will have      disi ekonomi tahun 2006 tidak akan jauh berbeda
Bank Mega that is located in the same complex as          semakin lengkap dengan peresmian atas Kantor          to face up to with the very best of their ability. The     dengan kondisi pada tahun 2005. Pertumbuhan
the Trans TV building. The construction of Menara         Pusat Bank Mega dari gedung lama di Sudirman          high interest policy in the funding sector is certainly    ekonomi yang cenderung melambat dengan proyeksi


24 | Bank Mega Annual Report 2005                                                                                                                                                                    Bank Mega Annual Report 2005 |   25
MESSAGE FROM THE PRESIDENT DIRECTOR                                                                                                                                                          MESSAGE FROM THE PRESIDENT DIRECTOR
Sambutan Direktur Utama                                                                                                                                                                                      Sambutan Direktur Utama




                                                          Success is the key word for Bank Mega in
                                                          this year. For us, success is the ability to
                                                          achieve something that is above the normal.
                                                          We will not stop at high achievements;
                                                          however we want to make even greater                    In 2006, Bank Mega fully understands
                                                          achievements.                                           the destination of this large ship. We also
                                                                                                                  know what has to be done in the future.
                                                          Sukses adalah kata kunci Bank Mega pada
                                                          tahun ini. Bagi kami, sukses adalah kemam-              Pada tahun 2006, Bank Mega sangat
                                                          puan untuk mencapai sesuatu yang lebih                  mengerti kemana arah kapal besar ini
                                                          dari biasanya. Kami tidak akan berhenti pada            akan berlayar. Kami juga tahu apa yang
                                                          pencapaian yang tinggi, namun kami ingin                harus dilakukan ke depan.
                                                          meraih yang lebih tinggi lagi.



a challenge that we will have to face up to amid          pertumbuhan sekitar 6% masih akan terjadi pada          63.32%. In terms of savings and lending, we wish to         tidak akan berhenti pada pencapaian yang tinggi, na-
competition in the national banking sector that will      tahun 2006. Selain itu, “ancaman” terhadap me-          achieve Rp. 27.3 trillion and Rp. 17.3 trillion respec-     mun kami ingin meraih yang lebih tinggi lagi. Kami
become even tighter during 2006.                          ningkatnya angka inflasi yang disokong oleh kenaikan    tively. Also, in order to increase the capital of the       sadar, kesuksesan yang berada di genggaman saat
      It is anticipated that the trend of increased Non   sembilan harga pokok makanan, BBM dan Tarif             bank, we will carry out a Rp. 500 billion rights issue      ini merupakan tiket menuju sukses dan pencapaian
Performing Loans (NPLs) and tight money policy will       Dasar Listrik (TDL) juga tetap akan mengiringi hiruk    in the first quarter of 2006 and present a sub debt         yang lebih baik lagi pada periode berikutnya. Untuk
continue until the second quarter of the year. This       pikuk dunia industri dalam negeri.                      of Rp. 1 trillion by the end of the year.                   itu kami harus siap dalam kondisi apapun.
means that profit growth of banks will not move                 Di luar proyeksi-proyeksi yang menyangkut hajat          By announcing these targets, we expect that the            Pada tahun 2006, Bank Mega sangat mengerti
much more than between 15% and 20%. The effec-            hidup orang banyak tersebut, perbankan seperti hal-     entire staff and employees of Bank Mega will always         kemana arah kapal besar ini akan berlayar. Kami
tive application of the Indonesian Deposit Insurance      nya Bank Mega juga akan dihadapkan pada pilihan-        possess the energy to achieve our corporate goals.          juga tahu apa yang harus dilakukan ke depan.
Corporation in the first quarter of 2006 is certainly a   pilihan tantangan yang mau tidak mau harus diha-        So that the business operations of Bank Mega remain         Karena itu, Bank Mega sudah siap dengan pencapai-
“signal” and at the same time an important reminder       dapi dengan penuh perjuangan dan sikap pantang          on the right path and are in line with our expecta-         an angka-angka bisnis yang harus kami bukukan di
that we have to be wise, precise and extremely cal-       menyerah. Kebijakan suku bunga tinggi di bidang         tions, we have already formulated several important         penghujung tahun ini.
culating in the future. Therefore, Bank Mega has to       dana dan yang juga membuat tingginya suku bunga         breakthroughs for 2006, which include the following:             Bank Mega menargetkan pencapaian total asset
always be prepared for whatever might happen.             kredit adalah tantangan yang memang harus kami           • Breakthrough in Business, to increase profitability      sebesar Rp. 31,0 triliun dengan Capital Adequacy
      Even though the macro economic situation in         hadapi dalam kompetisi perbankan nasional yang             through efforts to augment earning assets, third         Ratio (CAR) sebesar 16,42% dan Loan to Deposit
2006 is expected not to be particularly pacifying for     semakin ketat pada tahun 2006.                             party liability and fee-based income by optimizing       Ratio (LDR) sebesar 63,32%. Di bidang simpanan
the banking sector business, Bank Mega however                  Selain daripada itu, tren kenaikan Non Perform-      on new ideas and carrying out efforts that are more      dan pinjaman, kami ingin mencapainya sebesar
remains optimistic that the year of 2006 has a            ing Loan (NPL), kebijakan uang ketat yang diperkira-       innovative but yet still taking into consideration the   Rp. 27,3 triliun dan Rp. 17,3 triliun. Sementara itu,
dimension that provides hope and extraordinary            kan masih akan berlangsung hingga kwartal kedua,           principles of prudential banking.                        untuk menambah modal perseroan, kami akan
ambition to achieve more than in previous years. This     kecenderungan pertumbuhan laba perbankan yang           • Breakthrough in Support, continuing to implement          melakukan right issue pada kwartal pertama tahun
time, BREAKTHROUGH will be the magic word and             tidak akan beranjak dari 15%-20% serta penerapan           alignments and changes based on the work                 2006 sebesar Rp. 500 milyar dan menggelar sub
at the same time our motto throughout 2006.               secara efektif Lembaga Penjamin Simpanan (LPS)             process, culture and structure in key supporting         debt pada akhir tahun sebesar Rp. 1 triliun.
      Success is the key word for Bank Mega in this       pada kwartal pertama tahun 2006 memang menjadi             areas, such as Information Technology, People,               Dengan target yang dicanangkan itu, kami ber-
year. For us, success is the ability to achieve some-     “rambu-rambu” sekaligus catatan penting yang               Operation, Infrastructure and Internal Control in        harap, seluruh staf dan karyawan Bank Mega akan
thing that is beyond ordinary. We will not stop at high   harus kami sikapi secara arif, seksama dan penuh           order to support the achievement of targets.             selalu memiliki energi yang bertumbuh untuk meraih
achievements; however we want to make even                perhitungan ke depan. Oleh sebab itu, Bank Mega         • Breakthrough in Cross Functional Team Work                cita-cita perseroan tersebut. Agar operasional bisnis
greater achievements. We are aware that the suc-          harus selalu siap dengan segala kemungkinan                Setting up a total of six teams-LPS, Fee Based           Bank Mega tetap berada pada jalurnya dan sesuai
cesses we hold in our hands at the current moment         yang terjadi.                                              Income, People Development, Fraud Reduction,             dengan harapan, maka kami telah merumuskan
are the tickets to even better successes and achieve-           Meskipun kondisi makro ekonomi di tahun              Cost Efficiency and Customer Experience Manage-          terobosan-terobosan penting di tahun 2006, yang
ments in the next period. For this, we have to be         2006 dirasakan kurang begitu menyejukkan bisnis            ment-in order to support the optimalization of our       antara lain mencakup:
prepared for whatever the conditions are.                 perbankan, namun Bank Mega tetap optimis tahun             business performance through greater synergy             • Breakthrough in Business, berusaha meningkat-
      In 2006, Bank Mega fully understands the desti-     2006 adalah dimensi yang memberikan harapan                between work units.                                         kan profitability melalui upaya peningkatan aktiva
nation of this large ship. We also know what has to       dan kegairahan luar biasa untuk meraih pencapaian-      • Breakthrough in the Spirit of Success. With this             produktif, dana pihak ketiga, dan fee based income
be done in the future. Because of this, Bank Mega is      pencapaian yang lebih dari tahun-tahun sebelumnya.         spirit, Bank Mega will be able to achieve its goals if      dengan mengoptimalkan ide-ide baru serta mela-
already prepared to achieve the business figures that     Kali ini, BREAKTHROUGH menjadi magic word se-              it is capable of building solid teamwork throughout         kukan upaya yang lebih inovatif dengan tetap mem-
we have to record during this year.                       kaligus semboyan kami untuk melewati tahun 2006.           the organization. This will involve: all having the         pertimbangkan prinsip-prinsip prudential banking.
      Bank Mega is targeting to achieve total asset of          Sukses adalah kata kunci Bank Mega pada              one objective of achieving business targets togeth-      • Breakthrough in Support, terus melakukan align-
Rp. 31.0 trillion with a Capital Adequacy Ratio (CAR)     tahun ini. Bagi kami, sukses adalah kemampuan un-          er; increasing work efficiency, productivity and            ment /perubahan yang mendasar pada proses
of 16.42% and a Loan to Deposit Ratio (LDR) of            tuk mencapai sesuatu yang lebih dari biasanya. Kami        effectiveness in all sections; and demonstrating            kerja, budaya dan struktur kerja di key supporting


26 | Bank Mega Annual Report 2005                                                                                                                                                                       Bank Mega Annual Report 2005 |   27
MESSAGE FROM THE PRESIDENT DIRECTOR                                                                                                                                                  MESSAGE FROM THE PRESIDENT DIRECTOR
Sambutan Direktur Utama                                                                                                                                                                              Sambutan Direktur Utama




Bank Mega is targeting to achieve total               Bank Mega menargetkan pencapaian                        By announcing these targets, we expect                  Dengan target yang dicanangkan itu,
asset of Rp. 31.0 trillion with a Capital             total asset sebesar Rp. 31,0 triliun dengan             that the entire staff and employees of Bank             kami berharap, seluruh staf dan karyawan
Adequacy Ratio (CAR) of 16.42% and a                  Capital Adequacy Ratio (CAR) sebesar                    Mega will always possess the energy to                  Bank Mega akan selalu memiliki energi
Loan to Deposit Ratio (LDR) of 63.32%.                16,42% dan Loan to Deposit Ratio (LDR)                  achieve our corporate goals.                            yang bertumbuh untuk meraih cita-cita
                                                      sebesar 63,32%.                                                                                                 perseroan tersebut.




  that Bank Mega is a bank that the nation and our      area, yaitu Information Technology, People,                Finally, allow us to convey our thanks and high-         Akhir kata, ijinkan kami menghaturkan rasa teri-
  employees can be proud of.                            Operation, Infrastructure dan Internal Control        est appreciation to all of Bank Mega’s staff and        ma kasih dan penghargaan yang setinggi-tingginya
                                                        dalam mendukung pencapaian target.                    employees for their dedication, hard work and perse-    kepada seluruh staf dan karyawan Bank Mega atas
      We hope that in this upcoming year, which is    • Breakthrough in Cross Functional Team Work            verance for the bank’s progress and making us all       dedikasi, kerja keras serta perjuangan gigihnya untuk
filled with many challenges, everyone at Bank Mega      Guna mendukung optimalisasi performa bisnis,          proud. We also would like to express our warmest        kemajuan perusahaan kebanggaan milik kita semua.
will work more hand in hand in order to achieve the     kami berupaya mewujudkan sinergi antar fungsi         thanks to all members of the Board of Commissioners,    Tidak lupa pula, kepada segenap Dewan Komisaris,
targets that have already been set. Therefore, com-     unit kerja melalui pembentukan 6 (enam) Team          Shareholders, Customers and all the general public      Pemegang Saham, Nasabah, Pemerintah dan selu-
mitment, dedication, courage, hard work and also        Corporate Projects yaitu: LPS (Lembaga Penjamin       of Indonesia wherever they are located, for the sup-    ruh masyarakat Indonesia di mana saja berada, kami
loyalty which should be within the blood streams of     Simpanan), Fee Based Income, People Develop-          port and trust you have shown the bank up to now.       mengucapkan terima kasih sebesar-besarnya atas
the organization. This coming year, what Bank Mega      ment, Fraud Reduction, Cost Efficiency, dan           May the Lord God Almighty grant His Graces and          dukungan serta kepercayaan yang diberikan selama
needs is unending high spirit.                          Customer Experience Management.                       Blessings on all of us. Amen.                           ini. Semoga Tuhan Yang Maha Esa senantiasa me-
                                                      • Breakthrough in the Spirit of Success, melalui                                                                limpahkan kasih karunia dan damai sejahtera-Nya
                                                        semangat ini Bank Mega akan mampu mencapai                                                                    kepada kita semua, Amin.
                                                        tujuan jika mampu membangun team work yang
                                                        solid secara menyeluruh. Membangun satu objec-
                                                        tive yaitu mencapai target bisnis secara bersama-
                                                        sama. Meningkatkan efisiensi, produktivitas dan
Also, in order to increase the capital of the                                                                                                      On behalf of the Board of Directors
                                                        efektivitas kerja di segala bidang. Mewujudkan
bank, we will carry out a Rp. 500 billion                                                                                                                PT. Bank Mega Tbk.
                                                        Bank Mega sebagai bank kebanggaan bangsa
rights issue in the first quarter of 2006 and                                                                                                          Atas nama Dewan Direksi
                                                        dan kebanggaan setiap pegawai.
present a sub debt of Rp. 1 trillion by the                                                                                                              PT. Bank Mega Tbk.
end of the year.                                           Kami berharap, pada tahun yang penuh tantang-
                                                      an ini, seluruh jajaran Bank Mega lebih merapatkan
Sementara itu, untuk menambah modal                   barisan, hand in hand dan bahu membahu dalam
perseroan, kami akan melakukan right                  bekerja mencapai target-target yang telah ditetapkan.
issue pada kwartal pertama tahun 2006                 Oleh sebab itu, komitmen, dedikasi, keberanian, kerja
                                                                                                                                                           Yungky Setiawan
sebesar Rp. 500 milyar dan menggelar                  keras dan juga ketaatan dari semua pihak adalah se-
                                                                                                                                                           President Director
sub debt pada akhir tahun sebesar                     suatu yang sudah seharusnya menyatu dalam aliran
                                                                                                                                                            Direktur Utama
Rp. 1 triliun.                                        darah organisasi. Tahun ini, yang dibutuhkan Bank
                                                      Mega adalah semangat tinggi yang tiada habisnya.




28 | Bank Mega Annual Report 2005                                                                                                                                                               Bank Mega Annual Report 2005 |   29
                                                                                                                                                                                                                     G O O D C O R P O R AT E G O V E R N A N C E
                                                                                                                                                                                                                                Tata Kelola Perusahaan




                                                                                                                               From the very beginning, Bank Mega has                      Sejak awal, Bank Mega telah menetapkan
                                                                                                                               determined its Vision, Mission and Corp-                    Visi, Misi dan Corporate Value yang sesuai
                                                                                                                               orate Values in line with the spirit of Good                dengan semangat Good Corporate Gover-
                                                                                                                               Corporate Governance. The application of                    nance. Penerapan Good Corporate Gover-
                                                                                                                               good corporate governance at Bank Mega                      nance di Bank Mega tentunya tidak akan
                                                                                                                               cannot be separated from the principles of                  lepas dari prinsip-prinsip corporate gover-
                                                                                                                               corporate governance that will continue to                  nance yang akan terus diimplementasikan
                                                                                                                               be implemented in the future.                               pada masa yang akan datang.




                                                                                                                               implementation of corporate management that is              perusahaan yang selalu berlandaskan pada penerap-
                                                                                                                               always based on the application of Good Corporate           an Good Corporate Governance yang mengacu
                                                                                                                               Governance as stipulated in the Basel Accord II             pada ketentuan dan pelaksanaan Basel Accord II
                                                                                                                               on banking.                                                 di perbankan.
                                                                                                                                      From the very beginning, Bank Mega has deter-             Sejak awal, Bank Mega telah menetapkan Visi,
                                                                                                                               mined its Vision, Mission and Corporate Values in           Misi dan Corporate Value yang sesuai dengan sema-
                                                                                                                               line with the spirit of Good Corporate Governance.          ngat Good Corporate Governance. Penerapan Good
                                                                                                                               The application of good corporate governance at             Corporate Governance di Bank Mega tentunya tidak
                                                                                                                               Bank Mega cannot be separated from the principles           akan lepas dari prinsip-prinsip corporate governance
                                                                                                                               of corporate governance that will continue to be            yang akan terus diimplementasikan pada masa yang
                                                                                                                               implemented in the future. These principles include         akan datang. Prinsip tersebut diantaranya adalah:
                                                                                                                               the following:                                              • Prinsip Transparency. Mengungkapkan informasi
                                                                                                                               • The Principle of Transparency. Using information            material yang akurat, memadai, serta tepat waktu
Good Corporate Governance                                                                                                         materials that are accurate, sufficient and on time        sehingga pemegang saham maupun investor dapat
Tata Kelola Perusahaan                                                                                                            so that shareholders and investors utilize this infor-     menggunakan informasi tersebut dalam mengambil
                                                                                                                                  mation in making investment decisions.                     keputusan investasinya.
                                                                                                                               • The Principle of Accountability. In the execution of      • Prinsip Accountability. Dalam pelaksanaannya,
                                                                                                                                  corporate management, those responsible carry out          pengurus wajib melakukan pengelolaan perusaha-
                                                                                                                                  their fiduciary duties and do the best in the inter-       an dengan sungguh-sungguh serta melakukan hal
                    In line with the demands of the open market               Sesuai dengan tuntutan di dalam sistem pasar        ests of the corporation.                                   terbaik untuk kepentingan perusahaan (fiduciary
               system, both at the local as well as the global level,   terbuka baik di tingkat lokal maupun global, pene-     • The Principle of Responsibility. In addition to being       duties).
               the application of Good Corporate Governance based       rapan Good Corporate Governance yang berprinsip           aimed at profit, Bank Mega is aware that it has a        • Prinsip Responsibility. Selain bertujuan pada profit,
               on the principles of Transparency, Accountability,       pada Transparency, Accountability, Responsibility,        responsibility to increase the quality of the standard     Bank Mega sadar memiliki tanggung jawab untuk
               Responsibility, Independency, and Fairness (TARIF)       Independency, and Fairness (TARIF) merupakan hal          of living of its employees as well as members of the       turut meningkatkan kualitas hidup karyawan serta
               is an important matter that cannot be ignored by a       penting yang tidak bisa diabaikan oleh sebuah             general public in the areas that it operates.              masyarakat sekitar.
               company in the running of its business. Through the      perusahaan dalam menjalankan bisnisnya. Lewat          • The Principle of Independency. Making use of the          • Prinsip Independency. Merupakan prinsip keman-
               application of these principles, a company will have     penerapan prinsip tersebut, sebuah perusahaan             principle of independency in the application of            dirian dalam penerapan Good Corporate Gover-
               the opportunity of possessing a clear platform in        akan mampu memiliki platform yang jelas terhadap          Good Corporate Governance so as to create a situa-         nance sehingga tercipta suatu keadaan di mana
               terms of sharing authority, and also utilizing           pembagian wewenang, penggunaan sumber daya                tion under which the corporation is managed on a           perusahaan dikelola secara profesional tanpa ben-
               resources as well as profits in a fair, open and bal-    dan keuntungan secara adil, terbuka dan seimbang.         professional basis without in any way being impact-        turan kepentingan dan pengaruh atau tekanan dari
               anced way.                                                     Melalui penerapan prinsip Good Corporate            ed by the interests and influences or pressures of         pihak manapun yang tidak sesuai dengan peratur-
                    Through the application of planned Good             Governance yang terarah, manajemen sebuah per-            any parties that are not in line with existing regula-     an perundang-undangan yang berlaku dan prinsip-
               Corporate Governance principles, the management of       usahaan akan lebih mudah dalam melakukan kepu-            tions and healthy corporate principles.                    prinsip korporasi yang sehat.
               a company will find it easier to make business deci-     tusan bisnis secara efisien, produktif dan ekonomis,   • The Principle of Fairness is treating all sharehold-      • Prinsip Fairness. yang merupakan prinsip persama-
               sions that are efficient, productive and economic as     serta mampu memperkecil risiko bisnis yang dijalan-       ers in the same manner as well as providing minor-         an perlakuan terhadap seluruh pemegang saham
               well as being capable of reducing the business risks     kan. Pentingnya penerapan prinsip tersebut sangat         ity shareholders with legal protection.                    serta adanya perlindungan hukum terhadap
               that it encounters. Bank Mega is extremely aware of      disadari oleh Bank Mega.                                                                                             pemegang saham minoritas.
               the importance of applying these principles.                   Untuk itu, merujuk pada penerapan Good Cor-           In the application of these, a complete organiza-
                    Reference to the application of Good Corporate      porate Governance yang juga menjadi salah satu         tional structure is essential, one made up of commit-            Pada penerapannya, kelengkapan struktur orga-
               Governance is also one of the pillars of Indonesian      pilar dalam Arsitektur Perbankan Indonesia (API),      tees that support the principles of Good Corporate          nisasi atau komite-komite yang mendukung penerap-
               Banking Architecture (API). Throughout 2005, the         selama tahun 2005 manajemen Bank Mega secara           Governance. In line with its direction in this imple-       an prinsip Good Corporate Governance di atas tentu-
               management of Bank Mega was consistent in its            mantap telah menjalankan prinsip pengelolaan           mentation, Bank Mega already possesses a complete           nya merupakan sebuah keharusan. Sesuai dengan


              30 | Bank Mega Annual Report 2005                                                                                                                                                                       Bank Mega Annual Report 2005 |        31
G O O D C O R P O R AT E G O V E R N A N C E                                                                                                                                                             G O O D C O R P O R AT E G O V E R N A N C E
Tata Kelola Perusahaan                                                                                                                                                                                              Tata Kelola Perusahaan




The application of Good Corporate Govern-                 Penerapan Good Corporate Governance                          As further actualization of the implementation of         Sebagai wujud implementasi Good Corporate
ance at Bank Mega has been realized in                    di Bank Mega terwujud dalam keberhasil-                Good Corporate Governance, Bank Mega’s Boards of           Governance, Dewan Komisaris dan Direksi Bank
successful ISO 9001 certification and                     an meraih sertifikasi ISO 9001 dan Rating              Commissioners and Directors have routine meetings          Mega melakukan rapat secara rutin setiap minggu.
Rating Service Awards. The execution of                   Service Award. Pelaksanaan fit and proper              every week. Meetings of the Board of Directors are         Rapat Dewan Direksi dilaksanakan setiap hari Senin,
fit and proper testing for Bank Mega’s top                test bagi top manajemen dan pejabat                    held every Monday, while Joint Meetings of members         sementara Rapat Gabungan Dewan Komisaris deng-
management executive officials, the moni-                 eksekutif Bank Mega, pemantauan ren-                   of both the Board of Commissioners and the Board           an Dewan Direksi dilaksanakan setiap hari Rabu.
                                                                                                                 of Directors are held every Wednesday.                          Lebih dari itu, pelaksanaan peran Corporate
toring of business plans and corporate                    cana kerja dan kinerja perusahaan serta
                                                                                                                       More than that, the implementation of the role       Secretary sesuai dengan ketentuan BAPEPAM, khu-
performance as well as the implementation                 implementasi Risk Management dalam
                                                                                                                 of the Corporate Secretary in line with the stipulations   susnya untuk perusahaan publik juga terus dilakukan
of Risk Management in the bank’s opera-                   operasional bank juga menjadi wujud dari
                                                                                                                 of the Capital Market Supervisory Agency, especially       oleh Bank Mega. Pelaksanaan Corporate Social Res-
tions actualize the application of these                  penerapan prinsip tersebut.
                                                                                                                 as regards listed companies, has always been carried       ponsibility sebagai salah satu unsur dalam prinsip
principles.
                                                                                                                 out. In addition, Bank Mega has implemented Corpo-         Good Corporate Governance diwujudkan oleh Bank
                                                                                                                 rate Social Responsibility as one of the components        Mega melalui berbagai program kegiatan sosial,
                                                                                                                 of the principles of Good Corporate Governance             salah satunya adalah program Mega Berbagi. Tujuan
organizational structure or committees that support       tujuan dalam implementasi tersebut, Bank Mega          through several social activities, one of which is         kegiatan tersebut adalah memupuk kepedulian dan
the application of the above principles. Those playing    telah memiliki kelengkapan struktur organisasi atau    the Mega Berbagi (sharing) program. The purpose            komitmen seluruh manajemen dan pegawai Bank
a role in structural governance are the Audit             komite yang mendukung penerapan prinsip-prinsip        of this program is to instill in all members of the        Mega terhadap tanggung jawab sosial dan kemasya-
Committee, the Asset Committee, the Human                 diatas. Beberapa diantaranya adalah struktur gover-    bank’s management and all employees throughout             rakatan, khususnya terhadap masyarakat / pendu-
Resources Committee, the Risk Management                  nance yang memainkan peran-peran seperti Komite        Indonesia about Bank Mega’s social responsibility,         duk / rakyat yang kurang mampu antara lain: yatim
Committee, the Loans Committee, the Information           Audit, Komite Asset, Komite SDM, Komite Manajemen      especially as regards those members of the general         piatu (Panti Asuhan), orang tua jompo (Panti Wreda),
Technology Committee and the Asset and Liabilities        Risiko, Komite Kredit, Komite Teknologi Informasi      public in need: orphans, the elderly, the blind, the       tunawisma, orang cacat dan sebagainya yang berada
Committee.                                                serta Komite Asset and Liabilities.                    handicapped and the like that exist in every business      di sekitar unit kerja dan / atau di sekitar Kantor Ca-
     In addition to the above matters, Bank Mega                Selain hal diatas, Bank Mega juga telah melak-   unit and/or in the area of BranchOffices/SubBranch         bang / Kantor Cabang Pembantu/Kantor Kas Bank
has also already carried out other efforts in imple-      sanakan berbagai upaya lain yang merupakan imple-      Offices/Cash Offices throughout Indonesia.                 Mega di seluruh Indonesia.
menting the application of Good Corporate                 mentasi penerapan Good Corporate Governance,                 All of the bank’s employees are actively involved         Seluruh karyawan dilibatkan secara aktif dalam
Governance, including the following:                      antara lain :                                          in these social responsibility programs so that they       kegiatan ini sehingga program ini juga mendidik kar-
1. Carrying out checks and balances between the           1. Menerapkan check and balance antara BOC,            too learn to be more concerned about social respon-        yawan untuk memiliki rasa tanggung jawab sosial dan
    BOC, the BOD, the Audit Committee and man-                BOD, Komite Audit dan manajemen dimana tugas       sibility and together care about those who are suffer-     kepedulian terhadap penderitaan sesama. Kegiatan
    agement where details of the respective duties            dan wewenang masing-masing pihak terinci           ing. The Mega Berbagi activities include providing         Sosial Mega Berbagi selalu memberikan bingkisan
    and authority are completely clear.                       secara jelas.                                      assistance packages containing essential household         dalam bentuk barang /natura seperti beras, mie
2. Creating Corporate Vision, Mission and Values          2. Menyusun Visi, Misi dan Corporate Value yang        goods to those in need. In addition, employees also        instan, kecap, minyak goreng. Selain itu para kar-
    that include the spirit of Good Corporate                 memasukkan spirit Good Corporate Governance.       participate in giving assistance to school children as     yawan juga dapat turut berpartisipasi memberikan
    Governance.                                           3. Menempatkan peran-peran dalam struktur orga-        well as others in need. Also, through Mega Berbagi         pakaian layak pakai, buku bacaan, tas sekolah, dll.
3. Determining the roles in the organizational struc-         nisasi yang mengandung spirit Corporate Gover-     activities, Moslems were given the opportunity of          Melalui Mega Berbagi memberi kesempatan kepada
    ture that contain the spirit of Corporate Governan-       nance seperti Direktur Kepatuhan, Unit Kerja
    ce such as the Compliance Director as well as the         Compliance, dan Good Corporate Governance,
    Compliance Work Unit, the Good Corporate                  serta Risk Management Division.
    Governance and Risk Management Divisions.             4. Menyusun dan melakukan sosialisasi code of          Details of attendance the regular
                                                                                                                                                                                                                        Joint
4. Compiling and socializing Bank Mega’s code of              conduct Bank Mega.                                 weekly meetings during 2005                                                 Directors’                 Commissioners and
    conduct.                                              5. Melaksanakan Good Human Capital Practices           are as follows:                                                             Meetings                   Directors’ Meetings
5. Carrying out Good Human Capital Practices by               dengan melakukan recruitment berdasarkan ISO       Hasil rapat Dewan Direksi dan                                               Rapat Dewan                Rapat Gabungan
                                                                                                                                                                                             Direksi                    Dewan Direksi dan
    implementing recruitment based on ISO 9001                9001 bagi pemangku jabatan struktural, bench-      Dewan Komisaris berdasarkan                                                                            DewanKomisaris
    standards for structural management appoint-              mark renumerasi melalui salary survey dan peni-    tingkat kehadiran selama tahun
    ments, as well as benchmark remuneration                  laian kinerja individu di semua level jabatan.     2005 sebagai berikut:                    Chairul Tanjung                            -                             32
    through salary surveys and individual job peform-                                                                                                     Gen.TNI (Retd.) Rudini                     -                             15
    ance evaluations at all levels.                            Melalui upaya tersebut, penerapan Good Cor-
                                                                                                                                                          Achjadi Ranuwisastra                       -                             27
                                                          porate Governance di Bank Mega terwujud dalam
                                                                                                                                                          Rachmat Maulana                           10                             31
     Through these efforts, the application of Good       keberhasilan meraih sertifikasi ISO 9001 dan Rating
Corporate Governance at Bank Mega has been real-          Service Award. Pelaksanaan fit and proper test bagi
ized in successful ISO 9001 certification and Rating      top manajemen dan pejabat eksekutif Bank Mega,                                                  Yungky Setiawan                           44                             32
Service Awards. The execution of fit and proper test-     pemantauan rencana kerja dan kinerja perusahaan                                                 Beny Witjaksono                           44                             27
ing for Bank Mega’s top management executive offi-        serta implementasi Risk Management dalam opera-                                                 Suwartini                                 42                             28
cials, the monitoring of business plans and corporate     sional bank juga menjadi wujud dari penerapan
                                                                                                                                                          Kostaman Thayib                           41                             31
performance as well as the implementation of Risk         prinsip tersebut.
                                                                                                                                                          Louis Sudarmana                           43                             31
Management in the bank’s operations actualize the
application of these principles.                                                                                                                          Daniel Budirahaju                         32                             27


32 | Bank Mega Annual Report 2005                                                                                                                                                                         Bank Mega Annual Report 2005 |        33
G O O D C O R P O R AT E G O V E R N A N C E                                                                                                                                                                         RISK MANAGEMENT
Tata Kelola Perusahaan                                                                                                                                                                                                Manajemen Risiko




For the future, in line with a regulation                    Kedepan, sesuai dengan aturan yang                                                                               Bank Mega continued its efforts to improve
issued by Bank Indonesia through Bank                        dikeluarkan oleh Bank Indonesia melalui                                                                          as well as at the same time develop the
Indonesia’s Regulation No.8/4/PBI/2006                       Peraturan Bank Indonesia (PBI) No.8/4/                                                                           risk management system infrastructure,
regarding the implementation of Good                         PBI/2006 tentang pelaksanaan Good                                                                                which was started several years previously.
Corporate Governance for Public Banks,                       Corporate Governance bagi Bank Umum,
Bank Mega is already preparing to imple-                     Bank Mega telah siap melaksanakan                                                                                Bank Mega terus berupaya menyempurna-
ment a complete organiztional structure                      dengan segenap kelengkapan struktur                                                                              kan sekaligus meningkatkan pengembang-
that is fully supportive.                                    organisasi yang mendukung.
                                                                                                                    Risk Management                                           an sistem infrastruktur pengelolaan risiko
                                                                                                                                                                              yang telah dimulai pada tahun-tahun
                                                                                                                    Manajemen Risiko                                          sebelumnya.




celebrating Idul Fitri together.                             saudara-saudara kita untuk bersama-sama turut me-           Based on the spirit of becoming a bank that the           Dilandasi semangat untuk menjadi bank
       Another example of a Corporate Social Respons-        rayakan kegembiraan nikmatnya Hari Raya Idul Fitri.    country can be proud of, during 2005 Bank Mega            kebanggaan milik bangsa, sepanjang tahun 2005,
ibility program carried out by Bank Mega is the assis-            Bentuk nyata lainnya dari program Corporate       continued its efforts to improve as well as at the        Bank Mega terus berupaya menyempurnakan sekali-
tance that the bank has given towards victims of the         Social Responsibility yang dilakukan oleh Bank Mega    same time develop the risk management system              gus meningkatkan pengembangan sistem infrastruk-
tsunami disaster. Working together with other compa-         adalah ikut membantu korban bencana Tsunami.           infrastructure, which was started several years previ-    tur pengelolaan risiko yang telah dimulai pada tahun-
nies in the PARA Group, Bank Mega donated a total            Bekerjasama dengan perusahaan yang bernaung di         ously. In 2005, Bank Mega tried very hard to fully        tahun sebelumnya. Selama tahun 2005 Bank Mega
of Rp. 1 billion for the construction of an orphanage        bawah PARA Group, Bank Mega menyalurkan sum-           maintain the principles of banking risk management        berusaha sekuat tenaga menegakkan prinsip-prinsip
in the village of Manunggal Kebun Helvetia, Labuhan          bangan sebesar Rp. 1 miliar untuk pembangunan          throughout the organization.                              pengelolaan risiko perbankan secara menyeluruh.
Deli sub district, Deli Serdang Regency, North Suma-         wisma penampungan bagi 1.000 anak yatim piatu               Development of banking risk management infra-             Pengembangan infrastruktur pengelolaan risiko
tra, for 1,000 children who are victims of the tsunami       korban bencana Tsunami di Aceh yang berlokasi          structure was carried out using several basic aspects     yang dilakukan terdiri atas beberapa aspek dasar
disaster in Aceh. This has been given the name of            di Desa Manunggal Kebun Helvetia, Kecamatan            covering all risk management practices. Increased         yang melingkupi praktik pengelolaan risiko secara
“The Madani Children’s Home” and work has already            Labuhan Deli, Kabupaten Deli Serdang, Sumatera         awareness and competencies of human resources,            keseluruhan. Peningkatan kesadaran dan kompeten-
started. The laying of the first brick was carried out       Utara, yang diberi nama “Rumah Anak Madani”.           optimizing the Risk Management unit, improving risk       si sumber daya manusia, optimalisasi peran unit Risk
by the Vice President of the Republic of Indonesia,          Wisma tersebut saat ini telah dimanfaatkan.            management techniques and infrastructure develop-         Management, penyempurnaan alat bantu pengelola-
Jusuf Kalla. Officiating at the ceremony on December         Peletakan batu pertama pembangunan dilakukan           ment in anticipation of the implementation of the         an risiko, dan pengembangan infrastruktur untuk
25th, 2005, was the President of the Republic of             oleh Wakil Presiden Republik Indonesia, Jusuf Kalla    Basel Accord II were the basic aspects that Bank          mengantisipasi penerapan Basel Accord II merupa-
Indonesia, Susilo Bambang Yudhoyono, witnessed by            sedangkan peresmian dilakukan oleh Presiden            Mega focused on in the development of risk manage-        kan aspek-aspek dasar yang menjadi fokus pengem-
the President Commissioner of Bank Mega.                     Republik Indonesia, Susilo Bambang Yudhoyono           ment at the bank.                                         bangan Bank Mega dalam pengelolaan risikonya.
       For the future, in line with a regulation issued by   pada tanggal 25 Desember 2005 dengan disaksikan             During 2005, Bank Mega successfully carried               Secara spesifik, berikut ini beberapa profil dan
Bank Indonesia through Bank Indonesia’s Regulation           oleh Komisaris Utama Bank Mega.                        out the following risk management measures:               pencapaian penyempurnaan pengelolaan risiko per-
No. 8/4/PBI/2006 regarding the implementation of                  Kedepan, sesuai dengan aturan yang dikeluar-                                                                bankan yang telah berhasil diwujudkan Bank Mega
Good Corporate Governance for Public Banks, Bank             kan oleh Bank Indonesia melalui Peraturan Bank              Credit Risks.                                        sepanjang tahun 2005 :
Mega is already preparing to implement a complete            Indonesia (PBI) No.8/4/PBI/2006 tentang pelaksa-            The risk management of loans involves several
organizational structure that is fully supportive.           naan Good Corporate Governance bagi Bank Umum,         factors, including;                                             Risiko Kredit
       In line with Bank Indonesia’s Regulation No.8/4/      Bank Mega telah siap melaksanakan dengan segenap       1. Awareness level and risk management’s role in                Beberapa hal yang menjadi fokus pengelolaan
PBI/2006, at the commissioner level, Public Banks            kelengkapan struktur organisasi yang mendukung.            the lending process, starting from origination up     risiko kredit tersebut meliputi:
must possess three committees to support the imple-               Sesuai PBI No.8/4/PBI/2006, di level komisaris,       to final settlement.                                  1. Tingkat kesadaran dan peran pengelolaan risiko
mentation of Good Corporate Governance. These                Bank Umum harus memiliki 3 komite guna mendu-          2. A transparent lending process that avoids moral             dalam proses kredit mulai dari origination sampai
three committees are the Audit Committee, the                kung implementasi Good Corporate Governance.               hazards, which could ignore risks.                         dengan pelunasan.
Remuneration and Nomination Committee, and the               Ketiga komite tersebut adalah Komite Audit, Komite     3. Monitoring of the entire loan portfolio accordingly.   2. Proses kredit yang transparan dan terhindar dari
Risk Management Supervision Committee.                       Renumerasi dan Nominasi, serta Komite Pemantuan                                                                       moral hazard yang mengesampingkan risiko.
       Fully aware of the importance of this, in 2006,       Manajemen Risiko.                                      In addition to focusing on the three factors mention-     3. Pemantauan atas keseluruhan portofolio kredit
in line with Bank Indonesias’s Regulation No.8/2006,              Menyadari pentingnya hal tersebut, di tahun       ed above, Bank Mega also augmented the bank’s                  secara memadai.
Bank Mega will set up a new organizational structure         2006, sesuai dengan ketentuan PBI No.8 tahun           lending risk management through the implementa-
at the commissioner level as soon as possible.               2006, Bank Mega akan segera membentuk struktur         tion of Credit Risk Rating, an internal rating system.    Selain fokus pada ketiga hal di atas, Bank Mega
The Remuneration and Nomination Committee as                 organisasi baru di jajaran komisaris. Komite Renu-     This provides database improvements and develop-          juga telah melengkapi pengelolaan risiko kreditnya
well as the Risk Management Supervision Committee            merasi dan Nominasi, serta Komite Pemantauan           ments in terms of required Probability of Default,        dengan menerapkan Mega Credit Risk Rating (sistem
will definitely be set up in the near future in order        Manajemen Risiko dipastikan akan segera dibentuk       Loss Given Default and Exposure at Default calcula-       rating internal) yang dalam penyempurnaannya di-
to support the implementation of Good Corporate              guna mendukung implementasi Good Corporate             tions. Up to now, Bank Mega has carried out internal      dukung oleh pengembangan database untuk keper-
Governance at Bank Mega. The bank’s Audit                    Governance di Bank Mega. Sedangkan untuk               studies to support the development factors men-           luan perhitungan-perhitungan Probability of Default,
Committee was already set up in 2000.                        Komite Audit sudah terbentuk sejak tahun 2000.         tioned above.                                             Loss Given Default, dan Exposure at Default.



34 | Bank Mega Annual Report 2005                                                                                                                                                                       Bank Mega Annual Report 2005 |   35
RISK MANAGEMENT                                                                                                                                                                                                        RISK MANAGEMENT
Manajemen Risiko                                                                                                                                                                                                        Manajemen Risiko




                                                             In 2005, Bank Mega tried very hard to                   Increased awareness and competencies                       Peningkatan kesadaran dan kompetensi
                                                             fully maintain the principles of banking risk           of human resources, optimizing the Risk                    sumber daya manusia, optimalisasi peran
                                                             management throughout the organization.                 Management unit, improving risk manage-                    unit Risk Management, penyempurnaan
                                                                                                                     ment techniques and infrastructure                         alat bantu pengelolaan risiko, dan
                                                             Selama tahun 2005 Bank Mega berusaha                    development in anticipation of the imple-                  pengembangan infrastruktur untuk meng-
                                                             sekuat tenaga menegakkan prinsip-prinsip                mentation of the Basel Accord II were the                  antisipasi penerapan Basel Accord II
                                                             pengelolaan risiko perbankan secara                     basic aspects that Bank Mega focused on                    merupakan aspek-aspek dasar yang men-
                                                             menyeluruh.                                             in the development of risk management                      jadi fokus pengembangan Bank Mega
                                                                                                                     at the bank.                                               dalam pengelolaan risikonya.




     Market and Liquidity Risks.                             Hingga saat ini, Bank Mega terus melakukan studi-       ucts committee is one form of internal supervision         balance process, pemisahan fungsi antara pelaksana
     Here, development has been focused in the fol-          studi internal untuk mendukung pengembangan hal-        implementation utilized to evaluate introduction of all    transaksi dan pelaksana pencatat transaksi, pelaksa-
lowing areas:                                                hal tersebut di atas.                                   new products and activities prior to being effectively     naan daily operation control dan periodic operation
1. Policy and limits risks.                                                                                          implemented in the field. These evaluations include:       control, serta pemantauan aktivitas komite produk.
2. Increased ALCO performance.                                   Risiko Pasar dan Risiko Likuiditas                  1. Adequacy in terms of organizational procedures          Dalam hal ini, komite produk merupakan salah satu
3. Improved risk monitoring reports.                             Pada wilayah ini, fokus pengembangan meliputi          and responsibilities.                                   implementasi pengawasan internal yang digunakan
4. Implementation of new Treasury system.                    bidang-bidang berikut ini:                              2. Risk management aspects (identification, mitiga-        untuk mengevaluasi seluruh pengajuan produk dan
                                                             1. Kebijakan dan limit-limit risiko.                       tion and measurement of risks).                         aktivitas baru sebelum dilaksanakan secara efektif di
As regards market risk levels (interest rate and             2. Peningkatan kinerja ALCO.                            3. Legal aspects as well as recording or accounting        lapangan. Evaluasi tersebut meliputi:
exchange rate risk), the parameter used is Bank              3. Perbaikan laporan-laporan pemantauan risiko.             aspects.                                               1. Kecukupan prosedur dan kewenangan organisasi.
Mega’s capital capability to cover potential losses          4. Implementasi sistem Treasury baru.                                                                              2. Aspek manajemen risiko (identifikasi, mitigasi
arising from exposure as well as fluctuations in                                                                     Currently, efforts to increase risk awareness are car-         dan pengukuran risikonya).
exchange rate and interest rates. In general, during         Dalam hal tingkat risiko pasar (risiko suku bunga dan   ried out by socializing risk management to all levels      3. Aspek hukum dan aspek pembukuan atau
the fourth quarter of 2005, there were significant           risiko nilai tukar), parameter yang digunakan adalah    of Bank Mega employees through Megaweb as well                 akuntansi.
fluctuations for both Rupiah exchange and interest           kemampuan permodalan Bank Mega untuk meng-              as through internal training. Several programs have
rates. However, with Bank Mega’s relatively low expo-        cover tingkat potential loss yang ditimbulkan dari      been utilized to help this process, and these include:     Sementara itu, upaya peningkatan risk awareness
sure, the final value of potential loss compared to          pengambilan eksposur dan fluktuasi nilai tukar serta    • Mega Risk & Control Assessments (MeRCA)                  dilakukan dengan melakukan sosialisasi manajemen
capital strength (outside of coverage for Risk               suku bunga. Pada kwartal empat tahun 2005, secara          This program assists every work unit at branches        risiko ke seluruh jajaran karyawan Bank Mega baik
Weighted Asset lending) against the level of market          umum, terjadi fluktuasi yang cukup signifikan baik         in order to recognize inherent risks that exist. In     melalui sarana Megaweb maupun internal training.
risk was still low.                                          untuk nilai tukar Rupiah dan tingkat suku bunga.           addition, through this program every work unit gets     Beberapa program yang digunakan untuk membantu
      In the fourth quarter of 2005, the level of liquidi-   Namun, dengan masih relatif kecilnya eksposur              to independently value implementation of controls       proses tersebut antara lain:
ty risk experienced slight pressure. This was caused         Bank Mega, maka hasil akhir penilaian potential loss       of possible risks.                                      • Mega Risk & Control Assessment (MeRCA)
by the condition of market liquidity that tended to          dibanding dengan kekuatan modal (diluar coverage        • Loss Event & Near Miss Reports                              Program ini membantu setiap unit kerja di cabang
be squeezed as a result of the monetary authority’s          atas ATMR kredit) terhadap tingkat risiko pasar            With this program, branches can report any event           untuk mengenal risiko-risiko yang melekat (risk
tight money policies. However, the growth in Bank            masih rendah.                                              that causes Bank Mega to experience losses, both           inherent) pada unit kerjanya. Selain itu, dengan
Mega’s Third Party Liability continued to increase sig-            Pada kwartal empat tahun 2005, tingkat risiko        financial and non-financial losses, above certain          program tersebut, setiap unit kerja dapat melaku-
nificantly while the risk of possible negative liquidity     likuiditas sedikit mengalami tekanan disebabkan            limits. These can save Bank Mega from potential            kan penilaian secara mandiri terhadap pelaksana-
was avoided.                                                 kondisi likuiditas pasar yang cenderung mengetat           financial losses.                                          an pengendalian atas risiko yang mungkin terjadi
                                                             akibat kebijakan pengetatan oleh otoritas moneter.                                                                    pada unit kerjanya.
     Operational Risks                                       Namun demikian, pertumbuhan dana pihak ketiga                 In addition, in its efforts to develop operational   • Loss Event & Near Miss Report. Program ini
     Bank Mega’s development focus in operational            Bank Mega terus meningkat secara signifikan             risk management, Bank Mega measures operational               adalah sarana bagi cabang untuk melaporkan
risks division puts an emphasis on two factors, which        sehingga dampak negatif risiko likuiditas tersebut      risk levels based on key risk indicators, including the       setiap kejadian yang merugikan Bank Mega sam-
are: internal supervision and risk awareness levels          dapat dihindari.                                        following:                                                    pai batas-batas tertentu, baik kerugian finansial
at every operational unit, including the check and                                                                   • Inherent Risks. Several important factors become            maupun non finansial. Termasuk di dalamnya,
balance processes, function separation between                     Risiko Operasional                                   reference points for measuring from the point of           laporan tentang kejadian yang berpotensi merugi-
carrying out transactions and recording transactions,              Fokus pengembangan Bank Mega di bidang               view of inherent risks, including: ratio of employees      kan perusahaan namun dapat diselamatkan se-
carrying out daily operation controls and periodic           risiko operasional ditekankan pada dua hal, yakni:         leaving, sufficient guards, ratio of fraud, ratio of       hingga secara finansial Bank Mega tidak dirugikan.
operation controls, as well as monitoring the activities     pengawasan internal dan peningkatan risk awareness         suspended accounts, ATM problems and server
of the products committee. In this regard, the prod-         pada setiap unit operasional mencakup check and            interference levels.




36 | Bank Mega Annual Report 2005                                                                                                                                                                         Bank Mega Annual Report 2005 |   37
RISK MANAGEMENT                                                                                                                                                                                                     RISK MANAGEMENT
Manajemen Risiko                                                                                                                                                                                                     Manajemen Risiko




                                                          In addition, in its efforts to develop opera-          Bank Mega also carried out Compliance                       Bank Mega juga melakukan Penilaian
                                                          tional risk management, Bank Mega meas-                Risk Level Calculations based on several                    Tingkat Risiko Kepatuhan yang berdasar-
                                                          ures operational risk levels based on key              key risk indicators, including the following:               kan pada beberapa indikator risiko utama
                                                          risk indicators.                                       Minimum Reserve Requiremets, Legal                          (key risk indicators), yang meliputi antara
                                                                                                                 Lending Limits, Non Performing Loans                        lain: Giro Wajib Minimum (GWM), Batas
                                                          Dalam upaya mengembangkan pengelola-                   (NPL) and Capital Adequacy Ratio (CAR).                     Maksimum Pemberian Kredit (BMPK),
                                                          an risiko operasionalnya, Bank Mega me-                                                                            Non Performing Loans (NPL), dan Capital
                                                          lakukan penilaian terhadap tingkat risiko                                                                          Adequacy Ratio (CAR).
                                                          operasional yang berdasarkan pada indika-
                                                          tor risiko utama (key risk indicators).




• Risk Control Systems. As well as evaluating levels            Selain itu, dalam upayanya mengembangkan               Compliance Risks                                      • Sistem Pengendalian Risiko (Risk Control
  of operational risk, Bank Mega uses several main        pengelolaan risiko operasionalnya, Bank Mega                 Compliance risk implementation successfully             System). Disamping melakukan penilaian terhadap
  criteria in implementing its risk management            melakukan penilaian terhadap tingkat risiko opera-     carried out by Bank Mega during 2005 included sev-            tingkat risiko strategik, Bank Mega juga berhasil
  systems, and these include:                             sional yang berdasarkan pada indikator risiko utama    eral important factors, including the following:              mengimplementasikan mengacu pada beberapa
  • The existence of operational risk policies and        (key risk indicators) yang meliputi hal-hal sebagai    1. Effective carrying out of Know Your Customer               kriteria utama sebagai berikut:
     other operational procedures. Included in the        berikut:                                                   (KYC) stipulations.                                       • Keberadaan rencana strategic (corporate plan)
     evaluations are socialization measures to all        • Inherent Risk. Beberapa hal penting yang men-        2. Monitoring of asset and liability positions as well           dan rencana kerja (business plan). Termasuk
     operational staff.                                      jadi acuan dalam melakukan penilaian dari sisi          as important financial ratios carried out daily,             dalam penilaian ini adalah keterlibatan komisaris
  • Evaluation process and review of the introduc            inherent risk antara lain; rasio pegawai keluar,        weekly or monthly.                                           dan direksi dalam proses penyusunan dan per-
     tion of all new products and activities through         kecukupan petugas, rasio fraud, suspend account,                                                                     setujuan rencana kerja bank.
     the products committee.                                 permasalahan ATM dan tingkat gangguan server.       In this context, Bank Mega always finds out what              • Pemantauan secara aktif oleh direksi terhadap
  • The existence of support systems to identify any      • Sistem Pengendalian Risiko (Risk Control             external stipulations are prior to any policies or               pencapaian posisi keuangan dan kondisi inter-
     errors as early as possible.                            System). Disamping melakukan penilaian terha-       procedures being approved by directors, including                nal/ eksternal yang mempengaruhinya.
                                                             dap tingkat risiko operasional, Bank Mega mene-     business decisions that will be taken. In addition,
      Strategic Risks                                        rapkan beberapa kriteria utama yang digunakan       Bank Mega also socializes policies and internal                  Risiko Kepatuhan
      Implementation of strategic risk management is         dalam melaksanakan sistem pengendalian risiko,      procedures in order to ensure that every policy and              Implementasi risiko kepatuhan yang berhasil
carried out through the monitoring of results realized       antara lain:                                        procedure, new as well as those already in force, is        diwujudkan Bank Mega selama tahun 2005 meliputi
compared with targets that have to be achieved. This         • Keberadaan kebijakan risiko operasional dan       clearly understood by the employees that have to            beberapa hal penting seperti:
monitoring take the form of reports made by meet-               prosedur operasional lainnya. Termasuk dalam     carry them out. These are aimed at reducing errors          1. Tercapainya efektifitas pelaksanaan ketentuan
ings of the Assets and Liabilities Committee (ALCO).            penilaian ini adalah pelaksanaan sosialisasi     due to employee lack of understanding as regards               Know Your Customer (KYC).
In addition, Bank Mega also carries out evaluation of           kepada seluruh petugas operasional.              operational policies and procedures.                        2. Pemantauan pencapaian posisi asset dan kewa-
strategic risk levels based on key risk indicators,          • Proses evaluasi dan kaji ulang bagi setiap pe-         In addition to the matters mentioned above,               jiban serta rasio-rasio keuangan penting yang
including the following:                                        ngajuan produk dan aktivitas baru melalui        Bank Mega also carried out Compliance Risk Level               dilakukan baik secara harian, mingguan maupun
• Inherent Risks. Carrying out comparisons between              komite produk.                                   Calculations based on several key risk indicators,             bulanan.
   financial position actuals against budget, including      • Keberadaan support system untuk mengidenti-       including the following: Minimum Reserve
   the following: LDR, BOPO, NIM, CAR, Interest                 fikasi error secara dini.                        Requirement, Legal Lending Limits, Non Performing           Dalam konteks ini, Bank Mega selalu memastikan
   Income, Third Party Liability and Earning Assets.                                                             Loans (NPL) and Capital Adequacy Ratio (CAR).               apakah ketentuan-ketentuan eksternal sebelum kebi-
• Risk Control Systems. In addition to carrying out            Risiko Strategik                                                                                              jakan atau prosedur disetujui direksi termasuk ke-
   evaluations regarding levels of strategic risk, Bank        Implementasi pengendalian risiko strategik di-          Legal Risks                                           putusan-keputusan bisnis yang akan diambil sudah
   Mega has also successfully implemented Risk            lakukan melalui pemantauan realisasi dibandingkan            In this context, Bank Mega always does its very       dipenuhi atau belum. Selain itu, Bank Mega juga
   Control Systems based on several main criteria,        dengan target yang harus dicapai. Pemantauan ter-      best to confirm legal strengths as well as actively         melakukan sosialisasi kebijakan /prosedur internal
   including the following:                               sebut diwujudkan melalui laporan realisasi maupun      anticipate and control legal risks for every planned        sebagai upaya untuk memastikan bahwa setiap kebi-
   • The existence of strategic corporate plans and       rapat Komite Aset dan Kewajiban (ALCO). Selain itu,    new product and activity. This is especially the case       jakan dan prosedur baik yang baru maupun yang
      business plans. Included in these evaluations is    Bank Mega juga melakukan penilaian tingkat risiko      if there is any possibility of legal differences of opin-   masih berlaku telah dimengerti dengan jelas oleh
      the involvement of commissioners and directors      strategik yang berdasarkan pada indikator risiko       ion in cooperation contracts with third parties or          petugas pelaksana. Tujuan dari hal tersebut adalah
      in the process of formulating and approving         utama (key risk indicators), yang meliputi:            agreements regarding any banking product or serv-           untuk mengurangi kesalahan akibat kurangnya
      business plans.                                     • Inherent Risk. Merupakan perbandingan antara         ice. Key indicators that are the focus of Bank Mega         pemahaman petugas pelaksana atas kebijakan dan
   • Active monitoring by directors towards the              pencapaian posisi keuangan (realisasi) dengan       in this area include total number of cases, total num-      prosedur operasional.
      achievement of financial positions and internal/       budget yang antara lain meliputi; LDR, BOPO, NIM,   ber of claims and financial aspects.                             Disamping hal-hal di atas, Bank Mega juga
      external conditions that have an effect on these.      CAR, Pendapatan bunga, DPK & Aktiva Produktif.                                                                  melakukan Penilaian Tingkat Risiko Kepatuhan yang




38 | Bank Mega Annual Report 2005                                                                                                                                                                      Bank Mega Annual Report 2005 |   39
RISK MANAGEMENT                                                                                                                                                                                                     RISK MANAGEMENT
Manajemen Risiko                                                                                                                                                                                                     Manajemen Risiko




                                                                                                                  Because of tight competition in the bank-                  Seiring dengan ketatnya persaingan
                                                                                                                  ing business, it is extremely important                    bisnis perbankan, maka reputasi sebuah
                                                                                                                  that a bank’s reputation be well managed.                  bank menjadi sangat penting untuk di-
                                                                                                                  Reputation risk management has been                        kelola dengan baik. Implementasi penge-
                                                                                                                  implemented through the setting up of                      lolaan risiko reputasi diwujudkan melalui
                                                                                                                  a Customer Care Center business unit                       pembentukan unit kerja Customer Care
                                                                                                                  to specially manage the complaints of                      Center yang secara khusus mengelola
                                                                                                                  customers.                                                 keluhan nasabah.




      Reputation Risks                                   berdasarkan pada beberapa indikator risiko utama         banking products and services for members of the                 Sejauh ini, indikator risiko reputasi utama yang
      Because of tight competition in the banking        (key risk indicators), yang meliputi antara lain: Giro   general public.                                            digunakan oleh Bank Mega dalam mengukur tinggi
business, it is extremely important that a bank’s rep-   Wajib Minimum (GWM), Batas Maksimum Pembe-                     In order to achieve the maximum results as           rendahnya tingkat risiko reputasi tersebut adalah
utation be well managed. Reputation risk manage-         rian Kredit (BMPK), Non Performing Loans (NPL),          regards banking risk management especially as a            jumlah komplain yang masuk dan publikasi / pembe-
ment has been implemented through the setting up         dan Capital Adequacy Ratio (CAR).                        player in retail banking in Indonesia, Bank Mega has       ritaan negatif di media masa. Selain itu, Bank Mega
of a Customer Care Center business unit to specially                                                              already formulated several important matters that will     juga terus menerus melakukan upaya pemeliharaan
manage the complaints of customers. This manage-               Risiko Hukum                                       be realized in 2006, and in the future, and followed       reputasi dengan melaksanakan berbagai kegiatan,
ment of customer complaints is carried out not only            Dalam hal ini, Bank Mega selalu berupaya keras     through in business operations. Bank Mega hopes            baik yang bersifat sosial maupun edukasi produk
by being providing positive and proportional respons-    memastikan kekuatan hukumnya dalam perjanjian            that greater efficiency and effectiveness in this regard   dan jasa layanan perbankan kepada masyarakat.
es to customers but also at the same time gathering      kredit dan pengikatan agunan. Bank Mega selalu ter-      will increase business productivity throughout all               Ke depan, untuk mencapai hasil yang maksimal
customer aspirations and desires in developing bank-     libat secara aktif dalam setiap perancangan produk       work areas. Matters that are planned to be imple-          dalam hal pengelolaan risiko perbankan khususnya
ing products and services.                               dan aktivitas baru yang merupakan langkah pengen-        mented will include the following:                         sebagai pemain retail banking di Indonesia, maka,
      Up to now, the main indicator of risk reputation   dalian terhadap munculnya risiko hukum, terutama         • Implementing Mega Credit Risk Ratings at branch-         pada tahun 2006, Bank Mega telah merumuskan
used by Bank Mega to measure these levels of risk        yang mungkin timbul akibat perbedaan persepsi               es outside of Jakarta                                   beberapa hal penting yang nantinya akan diimple-
reputation is the amount of negative complaints pub-     hukum di dalam kontrak kerja sama dengan pihak           • Implementation of Credit Scoring for Loan                mentasikan secara nyata dan berkelanjutan dalam
lished in the mass media. In addition, Bank Mega         ketiga maupun persyaratan suatu produk atau                 Origination Systems, both for Consumer Loans and        operasional bisnisnya. Dengan harapan, Bank Mega
also continues to implement measures to look after       layanan jasa bank. Indikator-indikator utama yang           Credit Cards.                                           dapat mencapai efisiensi dan efektivitas dalam
its reputation, both in terms of social or educational   menjadi fokus Bank Mega dalam hal ini antara             • Supporting the Mega Oto Joint Financing (MOJF)           segala hal yang berujung pada peningkatan produk-
                                                         lain meliputi jumlah kasus, jumlah tuntutan dan             Mirroring project                                       tivitas bisnis secara menyeluruh di semua bidang
                                                         aspek finansial.                                         • Developing Risk-based Asset Liability Management         kerja. Hal-hal yang rencananya akan diimplemen-
                                                                                                                  • Implementing an Operational Risks Database               tasikan antara lain:
                                                              Risiko Reputasi                                     • Implementation of a Risk Bulletin                        • Implementasi Mega Credit Risk Rating untuk
                                                              Seiring dengan ketatnya persaingan bisnis           • Implementing Industry Benchmarking and                      cabang-cabang di luar Jakarta
Bank Mega always does its very best to                   perbankan, maka reputasi sebuah bank menjadi sa-            Analysis                                                • Implementasi Credit Scoring untuk Loan
confirm legal strengths as well as actively              ngat penting untuk dikelola dengan baik. Implemen-       • Implementation of Risk Management Certification             Origination System, baik untuk Consumer Loan
anticipate and control legal risks for every             tasi pengelolaan risiko reputasi diwujudkan melalui                                                                    dan Kartu Kredit
planned new product and activity.                        pembentukan unit kerja Customer Care Center yang                                                                    • Implementasi dukungan terhadap proyek Mega
                                                         secara khusus mengelola keluhan nasabah. Penge-                                                                        Otto Joint Financing (MOJF) Mirroring
Bank Mega selalu terlibat secara aktif                   lolaan keluhan nasabah tersebut dilakukan tidak                                                                     • Implementasi pengembangan Risk-based Asset
dalam setiap perancangan produk dan                      hanya dengan memberikan respon yang positif dan                                                                        Liability Management
aktivitas baru yang merupakan langkah                    proporsional bagi nasabah tetapi juga sekaligus                                                                     • Implementasi Database Risiko Operasional
pengendalian terhadap munculnya                          menghimpun aspirasi dan minat nasabah dalam pe-                                                                     • Implementasi Risk Bulletin
risiko hukum.                                            ngembangan produk serta jasa perbankan umumnya.                                                                     • Implementasi Industry Benchmark and Analysis
                                                                                                                                                                             • Implementasi Sertifikasi Manajemen Risiko




40 | Bank Mega Annual Report 2005                                                                                                                                                                      Bank Mega Annual Report 2005 |   41
               I N F O R M AT I O N T E C H N O L O G Y                                                                                                                                                             I N F O R M AT I O N T E C H N O L O G Y
               Informasi dan Teknologi                                                                                                                                                                                   Informasi dan Teknologi




                                                                       During 2005, Bank Mega successfully
                                                                       implemented several IT systems based
                                                                       on IT Governance concepts, which have
                                                                       been made obligatory by Bank Indonesia.                                                                         The bank’s internet banking facilities were
                                                                                                                                                                                       also successfully carried out. However,
                                                                       Pada tahun 2005, Bank Mega telah ber-                                                                           for the time being, these facilities are spe-
                                                                       hasil mengimplementasikan beberapa sis-                                                                         cially for serving corporate and commercial
Information Technology                                                 tem IT yang didasari oleh konsep-konsep
                                                                       IT Governance seperti yang diwajibkan
                                                                                                                                                                                       customers.

Informasi dan Teknologi                                                oleh Bank Indonesia.                                                                                            Pengembangan internet banking juga
                                                                                                                                                                                       berhasil dilakukan. Namun untuk semen-
                                                                                                                                                                                       tara waktu, produk ini khusus melayani
                                                                                                                                                                                       nasabah corporate dan commercial.




                     The move of Bank Mega’s Head Office from               Perpindahan Kantor Pusat Bank Mega dari            • Implementation and development of a Security          • Implementasi dan pengembangan Security System
               Sudirman Square to the new Menara Bank Mega             Sudirman Square Tower A, Jalan Jend. Sudirman,            System that integrates building security as well as     baik untuk keamanan gedung, jaringan interkonek-
               building has already brought with it a new spirit for   Jakarta Selatan ke Menara Bank Mega di Jalan              security in terms of internal network interconnect-     si internal maupun koneksi internet.
               management, especially in terms of developing the       Kapten P. Tendean, Jakarta Selatan telah membawa          ions and even internet connections.                   • Implementasi dan pengembangan Change Ma-
               bank’s Information Technology (IT) infrastructure,      semangat baru bagi manajemen untuk membangun            • Implementation and development of a Change              nagement System untuk meyakinkan seluruh pe-
               in line with the corporate vision of becoming a bank    sekaligus mengembangkan infrastruktur informasi           Management System to ensure that the integrity of       rubahan sistem aplikasi dapat dijaga integritasnya.
               that the nation can be proud of. Therefore, Bank        dan teknologi (IT), sesuai dengan visi sebagai bank       all system applications changes was safeguarded.      • Implementasi dan pengembangan Sistem Teleko-
               Mega feels it is necessary to own IT systems and        kebanggaan bangsa. Oleh sebab itu, Bank Mega            • Implementation and development of a Data                munikasi Data. Dengan meningkatnya kebutuhan
               infrastructure that can later become a benchmark        merasa perlu memiliki sistem dan infrastruktur IT         Telecommunication System. With the increased            pengiriman data perbankan pada tahun 2005,
               for IT implementation on the national banking           yang nantinya bisa menjadi referensi implementasi IT      requirements for sending banking data in 2005,          maka manajemen melakukan pengembangan
               sector stage.                                           di pentas perbankan nasional.                             management carried out network quality develop-         kualitas jaringan. Dari semula yang menggunakan
                     During 2005, IT operations were in fact mainly         Perjalanan selama tahun 2005 lebih merupa-           ment. This started with the utilization of Frame        saluran Data Frame Relay berkapasitas 64 kilo
               centered on follow-up implementation of the bank’s      kan kelanjutan implementasi dari program IT tahun         Relay Data channels with 64 kbps capacity and           byte per second (kbps) dan mengimplementasikan
               2004 IT program. Last year, Bank Mega made a large      2004. Jika tahun tersebut Bank Mega melakukan             the implementation of Multi Protocol Label System       Multi Protocol Label System (MPLS) berkapasitas
               investment in the IT division with the replacement      investasi besar di bidang IT dengan mengganti selu-       (MPLS) with 128 kbps capacity. It is planned that       128 kbps. Untuk beberapa cabang besar, saluran
               throughout the bank of the entire IT system from a      ruh sistem IT dari AS 400 menjadi i-series, maka          these data channels at several large branches will      data tersebut rencananya akan di-up grade menja-
               AS 400 system into an i-series system. Because of       tahun 2005, konsolidasi internal lebih banyak dilaku-     be upgraded to 256 kbps capacity. In order to           di 256 kbps. Sementara untuk keperluan komu-
               this, there was internal consolidation carried out      kan untuk memantapkan kinerja bidang IT dalam             meet the bank’s inter-branch video communication        nikasi video antar cabang, Bank Mega akan me-
               during 2005, mainly aimed at stabilizing the perform-   mendukung bisnis.                                         needs, Bank Mega will increase the capacity of its      ningkatkan kapasitas MPLS-nya menjadi 2 Mega
               ance of the IT division in order to support business.        Pada tahun 2005, Bank Mega telah berhasil            MPLS to 2 bps. It is scheduled that these video         bytes per second (bps). Implementasi komunikasi
                     During 2005, Bank Mega successfully imple-        mengimplementasikan beberapa sistem IT yang               communication improvements will have been com           video tersebut dijadwalkan bisa berjalan di Kantor
               mented several IT systems based on IT Governance        didasari oleh konsep-konsep IT Governance seperti         pleted as far as the Surabaya branch office by the      Cabang Surabaya pada akhir tahun 2006 nanti.
               concepts, which have been made obligatory by Bank       yang diwajibkan oleh Bank Indonesia. Keberhasilan         end of 2006.                                          • Implementasi Office Zone. Salah satu implemen-
               Indonesia. The results of the implementation of         dalam penerapan sistem IT tersebut meliputi hal-hal     • Implementation of Office Zones. One example of          tasinya adalah dengan penerapan Voice System
               these IT systems included the following:                sebagai berikut :                                         this implementation is the utilization of a Voice       melalui kerja sama dengan XL (operator seluler).
                                                                                                                                 System through cooperation with the cellular oper-      Praktiknya, setiap karyawan pada level tertentu
                                                                                                                                 ator XL. In practice, every employee from certain       memiliki nomor pribadi yang bisa terhubung lang-
                                                                                                                                 levels up has a private number at which s/he can        sung dengan fixed line atau extension yang berada
                                                                                                                                 be contacted directly from existing fixed lines or      di Kantor Pusat. Begitu pula sebaliknya, sambung-
               With the increased requirements for send-               Dengan meningkatnya kebutuhan pengi-                      extensions at Head Office. In addition, extensions      an extension di Kantor Pusat bisa terhubung de-
               ing banking data in 2005, management                    riman data perbankan pada tahun 2005,                     at Head Office can be contacted by these private        ngan nomor pribadi tersebut dimana saja mereka
               carried out network quality developments.               maka manajemen Bank Mega melakukan                        numbers without incurring any additional costs.         berada tanpa tambahan biaya.
               This started with the utilization of Frame              pengembangan kualitas jaringan. Dari                    • Development of IT Monitoring Room.                    • Pengembangan IT Monitoring Room. Manajemen
               Relay Data channels with 64 kilo byte per               semula yang menggunakan saluran Data                      Management can now monitor and at the same              dapat memantau sekaligus mengontrol segala ma-
               second (kbps) capacity and the implemen-                Frame Relay berkapasitas 64 kilo byte per                 time control all types of network activities from       cam aktivitas jaringan dari kantor pusat hingga
               tation of Multi Protocol Label System                   second (kbps) dan mengimplementasikan                     head office to branches throughout Indonesia.           kantor cabang di seluruh Indonesia.
               (MPLS) with 128 kbps capacity.                          Multi Protocol Label System (MPLS)
                                                                       berkapasitas 128 kbps.

               42 | Bank Mega Annual Report 2005                                                                                                                                                                 Bank Mega Annual Report 2005 |        43
I N F O R M AT I O N T E C H N O L O G Y                                                                                                                                                                            HUMAN RESOURCES
Informasi dan Teknologi                                                                                                                                                                                          Sumber Daya Manusia




Bank Mega’s IT division will also prepare                 IT Bank Mega telah menyiapkan produk                                                                               As of December 31st, 2005, the bank’s total
SMS-banking products that are more                        SMS-banking yang lebih difokuskan untuk                                                                            employees amounted to 4,495 employees,
focused on payment transactions. This will                transaksi payment. Layanan ini tentu saja                                                                          54.23% of whom have completed higher
certainly made it easier for all customers                akan memberikan kemudahan bagi setiap                                                                              educational courses.
involved to be able to carry out their regu-              nasabah untuk memenuhi kebutuhan
lar banking requirements.                                 sehari-harinya.                                                                                                    Sampai dengan 31 Desember 2005, jumlah
                                                                                                                   Human Resources                                           karyawan Bank Mega telah sebanyak 4.495
                                                                                                                                                                             karyawan, 54,23% diantaranya merupakan
                                                                                                                   Sumber Daya Manusia                                       lulusan pendidikan tinggi.




      In addition to the activities mentioned above,            Selain hal-hal di atas, pada tahun 2005,                 Bearing in mind the bank’s commitment to                 Seiring dengan komitmen untuk menjadi Bank
during 2005 developments regarding the bank’s             pengembangan internet banking juga berhasil dila-        become a National Bank, and in line with the              Nasional dan ketentuan perbankan dalam Arsitektur
internet banking facilities were also successfully car-   kukan. Namun untuk sementara waktu, produk ini           Indonesian Banking Architecture (API) regulations,        Perbankan Indonesia (API) Bank Mega tetap mem-
ried out. However, for the time being, these facilities   khusus melayani nasabah corporate dan commercial.        Bank Mega is still positioning itself to be active in     posisikan diri untuk bergerak di sektor retail dan
are specially for serving corporate and commercial        Dengan layanan tersebut, nasabah melalui work sta-       the retail and consumer banking sectors. Because of       consumer banking, oleh karena itu Bank Mega terus
customers. With this service, customers can use their     tion /desktop yang terhubung (direct line, point to      this, Bank Mega continues to increase the quality of      meningkatkan kualitas pelayanan kepada nasabah
own work stations/desktops to contact (direct line,       point) dengan Bank Mega bisa mendapatkan infoma-         its services to customers through raising the quality     dengan melakukan peningkatan kualitas sumber
point to point) Bank Mega in order to obtain daily or     si transaksi baik transaksi harian maupun bulanan.       of its human resources. As of December 31st, 2005,        daya manusia. Sampai dengan 31 Desember 2005,
monthly transaction information. It is hoped that larg-   Volume transaksi yang besar dari layanan ini diharap-    the bank’s total employees amounted to 4,495              jumlah karyawan Bank Mega telah sebanyak 4.495
er transaction volume from this service will be able to   kan bisa meningkatkan fee based income yang              employees, 54.23% of whom have completed                  karyawan, 54,23% diantaranya merupakan lulusan
increase fee-based income and this will be one of         memang menjadi corporate project Bank Mega pada          higher educational courses.                               pendidikan tinggi.
Bank Mega’s corporate projects during 2006.               tahun 2006.
      In order to increase customer satisfaction levels         Sementara itu, untuk meningkatkan kepuasan                Employee Empowerment and Development                    Pembinaan dan Pengembangan Karyawan
in terms of its retail banking products and services,     nasabah terhadap produk dan layanan retail banking,             Bank Mega actively develops all aspects related         Bank Mega secara aktif terus mengembangkan
during 2006, Bank Mega’s IT division will also pre-       pada tahun 2006, IT Bank Mega telah menyiapkan           to the bank’s human resources. Business develop-          seluruh aspek yang berhubungan dengan sumber
pare SMS-banking products that are more focused           produk SMS-banking yang lebih difokuskan untuk           ment require human resources that are trustworthy         daya manusia. Pengembangan usaha menuntut ada-
on payment transactions. This will certainly make it      transaksi payment. Layanan ini tentu saja akan           and of high quality in each line of the organization.     nya sumber daya manusia yang handal dan standar
easier for all customers involved to be able to carry     memberikan kemudahan bagi setiap nasabah untuk           The main strategy is to develop the capabilities of the   kualitas yang tinggi pada setiap lini organisasi.
out their regular banking requirements. During 2006,      memenuhi kebutuhan sehari-harinya. Pada tahun            organization in order to respond to business growth.      Strategi utama yang dilakukan adalah membangun
developments will be carried out as regards 20 new        2006, akan dilakukan pengembangan lebih dari 20          Developing the capabilities of the organization is car-   dan mengembangkan kapabilitas organisasi untuk
payment transactions, including electricity, StarOne      payment transaction baru seperti pembayaran tagih-       ried out through efforts to improve organization          merespon pertumbuhan usaha. Membangun dan
and Esia bill payments.                                   an listrik, tagihan StarOne, Esia dan lain sebagainya.   attractiveness. This strategy is aimed at increasing      mengembangkan kapabilitas organisasi dilakukan
      During the same year, Bank Mega will further              Pada tahun yang sama, Bank Mega akan me-           the quality and technical mastery of each employee        dengan cara meningkatkan daya tarik organisasi
develop its security systems with the implementation      ngembangkan sistem sekuriti dengan mengimple-            to support all of the bank’s activities with good capa-   (improve organization attractiveness). Strategi ini ber-
of a BC 17799 IT system that conforms with the con-       mentasikan sistem IT BC 17799 yang selaras dengan        bilities and expertise in order to achieve the optimum    tujuan untuk meningkatkan kualitas dan penguasaan
ventions agreed to under the Basel II Accord. This        Basel II. Sistem tersebut diyakini sangat membantu       results. This is carried out through a career based       teknis karyawan dalam mendukung seluruh kegiatan
system will certainly be extremely helpful in terms of    perbankan dalam menegakkan konsep-konsep risk            management system, which included the following:          bank dengan kemampuan dan keahlian yang baik,
adhering to the concepts of banking risk manage-          management. Sistem yang dikembangkan tersebut            • Preparing career plans                                  sehingga memberikan hasil yang optimal. Hal ini di-
ment. This system will be developed through               merupakan enhancement dari security system yang          • Preparing recruitment plans                             jalankan dengan melakukan pengembangan sistem
enhancements to the existing security system.             ada saat ini.                                            • Preparing employee development plans                    manajemen jenjang karier, melalui:
                                                                                                                   • Preparing training programs, special programs and       • Penyusunan rencana jenjang karier
                                                                                                                      improving compensation programs for employees.         • Penyusunan rencana rekrutmen
                                                                                                                                                                             • Penyusunan rencana pengembangan karyawan
                                                                                                                        The training and development mission applied         • Penyusunan program pelatihan, program-program
                                                                                                                   is the construction and retention of quality personnel       khusus serta penyempurnaan program kompen-
                                                                                                                   through developing and increasing functional                 sasi kepada karyawan
                                                                                                                   capabilities and creating positive work attitudes.
                                                                                                                   This is carried out through comprehensive training             Misi pelatihan dan pengembangan yang diterap-
                                                                                                                   and development programs based on needs analysis          kan adalah membangun dan mempertahankan per-
                                                                                                                   in order that corporate targets are met. Training         sonil yang berkualitas melalui pengembangan dan
                                                                                                                   and development programs carried out included             peningkatan kemampuan fungsional serta pengem-
                                                                                                                   the following:                                            bangan sikap kerja yang diharapkan, melalui


44 | Bank Mega Annual Report 2005                                                                                                                                                                       Bank Mega Annual Report 2005 |   45
HUMAN RESOURCES                                                                                                                                                                                                                     HUMAN RESOURCES
Sumber Daya Manusia                                                                                                                                                                                                               Sumber Daya Manusia




Overall in 2005, training programs carried out               program-program pelatihan dan pengembangan                  activities in line with the various religious beliefs               Kesejahteraan Karyawan
to develop employee competencies included the                yang komprehensif berdasarkan analisa kebutuhan             of its employees. In terms of recreation and sports,                Kesejahteraan karyawan merupakan salah satu
following:                                                   agar sasaran-sasaran perusahaan dapat tercapai.             Bank Mega has set up the Mega Club to support                  kunci utama untuk meningkatkan kinerja Sumber
Secara keseluruhan pada tahun 2005 jumlah                    Pelatihan dan pengembangan yang dilakukan antara            activities aimed at increasing a sense of employee             Daya Manusia. Selain gaji pokok dan jasa prestasi
program pelatihan yang telah dilakukan untuk                 lain sebagai berikut:                                       togetherness.                                                  kerja, juga diberikan tunjangan kesejahteraan lain,
mendukung pengembangan kompetensi pegawai                    a. Program Pengembangan Khusus                                                                                             baik kepada seluruh karyawan maupun karyawan
adalah sebagai berikut:                                         Jenis program pelatihan dan pengembangan yang               Employee Welfare                                            dengan golongan tertentu antara lain berupa tun-
                                                                berhubungan dengan suksesi, pembentukan                     Employee welfare is one of the main keys to                 jangan Jamsostek, tunjangan kesehatan, tunjangan
                                                                future leader dan kesiapan pembukaan cabang            increasing human resources performance. In addi-                 transportasi, tunjangan hari raya, tunjangan jabatan,
                             Total       Total    Partici-      baru misalnya ODP (Officer Development Program)        tion to basic wages, work performance services and               makan siang dan lembur.
 Programs                   Program      Batch    pants         untuk mempersiapkan kader manajer dan posisi           other welfare contributions for all employees. These
 Nama Program               Jumlah       Jumlah   Jumlah        Senior Supervisor, EMBA (Executive Master of           also include the many social services, health, trans-
                            Program       Batch   Peserta
                                                                Business Administration) yang dipersiapkan men-        portation, meals, Idul Fitri and Christmas, overtime
 Production                                                     duduki jabatan eksekutif dan CSTP (Customer            allowances provided by Bank Mega.
                                     5     15      338
 Prodiskus                                                      Service and Teller Program) untuk memenuhi
 In House Programs                                              kebutuhan frontliner cabang baru.
                                    56    217     6203
 Program in House                                            b. Program yang Berhubungan dengan Bidang
 External Programs                                              Tugas Seseorang
 Program off House                  92     99      139          Merupakan program yang dijalankan pada saat ini        Employee composition according to age and gender:
                                                                dan bertujuan untuk meningkatkan kemampuan             Tabel berikut ini menunjukan perkembangan komposisi karyawan menurut usia dan jenis kelamin:
                                                                pegawai dalam melakukan tugas yang dijalankan.
a. Special Development Programs                                 Program ini diusulkan oleh masing-masing unit
   These types of training and development programs             kerja dengan materi atau bahasan yang terkait            Age (Usia)                        < 30           31 - 40              41 - 50                51 - 55              > 55
   are related to succession, determining future lead-          dengan kegiatan unit kerja tersebut. Kompetensi
   ers and preparing for the opening of new branch-             yang mencakup ketrampilan, pengetahuan dan               Total Employees                    1.920               2.069               464                     28                  14
                                                                                                                         Jumlah Pegawai
   es. These include the Officer Development                    sikap / tingkah laku yang tepat yang harus dimiliki
   Program (ODP) to prepare senior supervisors and              oleh Sumber Daya Manusia merupakan syarat                Percentage
                                                                                                                         Persentase                       42,72%           46,03%               10,32%                 0,62%               0,31%
   future management, Executive Master of Business              mutlak dicapainya tujuan perusahaan dimana titik
   Administration (EMBA) programs to support senior             beratnya diberikan pada pencapaian produktivitas,
   management positions plus Customer Service and               efektivitas dan efisiensi di segala bidang. Pembina-
   Teller Programs (CSTPs) to meet the needs of                 an Sumber Daya Manusia di Bank Mega secara
   frontliners at new branches.                                 konsisten diarahkan pada hal-hal tersebut.              Age (Usia)
b. Programs Connected with Specific Duties                   C. Program Kebersamaan Pegawai
                                                                                                                         > 55        14
   These are programs aimed at increasing employee              Selain program pengembangan dan pelatihan yang
                                                                                                                       51 - 55       28
   capabilities in carrying out their specific duties.          bersifat formal di atas, Bank Mega secara rutin juga
   These programs are proposed by respective work               menyelenggarakan kegiatan pengembangan diri            41 - 50                     464

   units with materials and related to the activities of        non-formal lain seperti Program Mega Berbagi           31 - 40                                                                                                    2.069
   the unit involved. The company is determined that            suatu wujud kepedulian dan tanggung jawab sosial         < 30                                                                                             1.920
   all the bank’s human resources will possess com-             organisasi kepada masyarakat (Corporate Social
                                                                                                                                 0                500                   1.000                   1.500                   2.000                    2.500
   petencies related to attaining skills, knowledge and         Responsibility) yang melibatkan seluruh pegawai
   attitude levels in terms of achieving productivity,          baik di Kantor Pusat, Kantor Cabang dan Kantor                                                      Total Employees (Jumlah Pegawai)
   effectiveness and efficiency in every department.            Cabang Pembantu. Untuk menyelaraskan kehi-
   The empowerment of human resources at Bank                   dupan organisasi dengan kebutuhan spiritual
   Mega is consistently directed towards these areas.           pribadi telah berkembang dengan sangat baik
c. Employee Togetherness Program                                kegiatan-kegiatan kerohanian baik ROHIS bagi                                                                                            Male (Pria)
   In addition to the formal training and development           pegawai muslim maupun Persekutuan Doa bagi
   programs mentioned above, Bank Mega also                     pegawai Kristiani. Sedangkan untuk menyalurkan                                                                                          Female (Wanita)
                                                                                                                         Gender                         Male         Female
   routinely presents non-formal self-development               aspirasi dan rekreasi di bidang olah raga serta          Jenis Kelamin                   Pria         Wanita
   programs such as the Employee Togetherness                   kebersamaan pegawai tersedia wadah Mega Club
                                                                                                                                                                                                                                   38,71
   Program as an example of the bank’s corporate                sebagai wadah pembinaan kegiatan-kegiatan olah           Total Employees
                                                                                                                                                         1.740         2.755                                61,29
                                                                                                                         Jumlah Pegawai
   social responsibility that involve all employees at          raga dan rekreasi yang bertujuan untuk selain
   head office and branches. In order to balance                memupuk rasa persaudaraan sekaligus untuk                Percentage
                                                                                                                         Persentase                 38,71%           61,29%
   working lives with spiritual needs, Bank Mega                menyegarkan kembali.
   provides places of worship facilities and arranges




46 | Bank Mega Annual Report 2005                                                                                                                                                                                      Bank Mega Annual Report 2005 |   47
                BUSINESS REVIEW                                                                                                                                                                                                                  BUSINESS REVIEW
                Ulasan Bisnis                                                                                                                                                                                                                         Ulasan Bisnis




                                                         Bank Mega succeeded in increasing its volume of loans                                   With this increase, by the end of 2005 Bank                Dengan kenaikan tersebut, pada akhir tahun 2005
                                                         disbursed by Rp. 3.7 trillion, from total of Rp. 7.6 trillion                     Mega’s loan portfolio rose to Rp. 11.3 trillion, an          portofolio kredit menjadi sebesar Rp. 11,3 triliun
                                                         recorded in 2004.                                                                 increase of 49% compared to 2004. This is the high-          atau mengalami pertumbuhan 49% dibanding tahun
                                                                                                                                           est growth that Bank Mega has experienced in its             2004. Pertumbuhan tersebut merupakan growth ter-
                                                                                                                                           business history. This growth in the loan portfolio          tinggi sepanjang perjalanan bisnis Bank Mega.
Business Review                                          Bank Mega berhasil meningkatkan volume penyaluran
                                                         kredit sebesar Rp. 3,7 triliun dari tahun 2004 yang jum-                          came about because of Bank Mega’s successes in               Peningkatan portofolio kredit terjadi karena keberha-
                                                                                                                                           increasing loan disbursements in both Rupiah and             silan dalam meningkatkan penyaluran kredit baik
Ulasan Bisnis                                            lahnya Rp. 7,6 triliun.
                                                                                                                                           foreign currencies. In terms of Rupiah, by the end of        dalam bentuk Rupiah maupun Valuta Asing. Dalam
                                                                                                                                           2005 the loan portfolio increased by Rp. 3.5 trillion,       bentuk Rupiah, portofolio kredit pada akhir 2005
                                                                                                                                           a rise of 50% compared to the Rp. 7.0 trillion record-       meningkat Rp. 3,5 triliun atau mengalami pertum-
                                                                                                                                           ed in 2004, rising to Rp. 10.5 trillion.                     buhan 50% dibanding tahun 2004 yang sebesar
                                                                                                                                                 Successes were also made in terms of loan dis-         Rp. 7,0 triliun, sehingga portofolio kredit Rupiah
                In Billions Rupiah                                                                                                         bursements made in foreign currencies. In 2004, the          menjadi sebesar Rp. 10,5 triliun.
                Dalam Miliar Rupiah                                                                                                        foreign exchange loan portfolio amounted Rp. 571.5                Keberhasilan juga terjadi pada penyaluran kredit
                                                                                                                                           billion. In 2005, the foreign exchange loan portfolio        dalam bentuk Valuta Asing (VALAS). Pada tahun
                                                                                                                Growth                     grew by 39% to Rp. 797.2 billion.                            2004 portofolio kredit Valas masih sebesar Rp. 571,5
                   Segment                                Dec 2004               Dec 2005
                                                                                                     Nominal                  %                                                                         milyar. Pada tahun 2005, portofolio kredit valas telah
                                                                                                                                                                                                        berhasil mencapai pertumbuhan sebesar 39% men-
                   Retail                                        5.830                9.033               3.203                     55                                                                  jadi Rp. 797,2 milyar.
                   •   Commercial                                  814                1.066                   252                   31
                   •   Consumer                                  5.016                7.967               2.951                     59
                   Corporate                                     1.751                2.230                   479                   27
                                                                                                                                           With this increase, by the end of 2005                       Dengan kenaikan tersebut, pada akhir
                   Total                                         7.581               11.263               3.682                     49
                                                                                                                                           Bank Mega’s loan portfolio rose to Rp. 11.3                  tahun 2005 portofolio kredit menjadi
                                                                                                                                           trillion, an increase of 49% compared                        sebesar Rp. 11,3 triliun atau mengalami
                                                                                                                                           to 2004. This is the highest growth that                     pertumbuhan 49% dibanding tahun 2004.
                                                                                                                                           Bank Mega has experienced in its                             Pertumbuhan tersebut merupakan growth
                                                                                                                       2004         2005   business history.                                            tertinggi sepanjang perjalanan bisnis
                                                                                                                                                                                                        Bank Mega.
                                                                            10.000


                                                                             8.000                                                         Retail Lending                                               Kredit Retail
                                                                             6.000                                                                In line with Bank Mega’s vision to be more                  Sesuai dengan misi Bank Mega untuk lebih fo-
                                                                                                                                           focussed on retail banking, retail lending is made up        kus pada retail banking, penyaluran kredit retail yang
                                                                             4.000
                                                                                                                                           of commercial and consumer loans, which dominat-             terdiri dari kredit komersial dan kredit konsumer
                                                                                                                                           ed the loan portfolio, contributing some 80% of the          berhasil mendominasi portofolio kredit dan menyum-
                                                                             2.000
                                                                                                                                           total loan portfolio. By the end of 2005, the retail         bangkan komposisi sebesar 80% dari total portofolio
                                                                                0                                                          loan portfolio had experienced an increase of Rp. 3.2        kredit. Hingga akhir 2005, portofolio kredit retail me-
                                                                                     Commercial   Corporate     Consumer          Retail
                                                                                                                                           trillion to Rp. 9.0 trillion, a rise of 55% from total of    ngalami peningkatan Rp. 3,2 triliun menjadi Rp. 9,0
                                                                                                                                           Rp. 5.8 trillion recorded in 2004.                           triliun atau tumbuh 55% dibanding tahun 2004 yang
                                                                                                                                                  Consumer loans made up the largest contribu-          sebesar Rp. 5,8 triliun.
                                                                                                                                           tion to the total retail loan portfolio. During 2005,              Kredit konsumer merupakan penyumbang ter-
                                                                                                                                           Bank Mega succeeded in increasing consumer loans             besar dari total portofolio kredit retail. Selama tahun
                                                                                                                                           by Rp. 3.0 trillion, a rise of 59% compared to the Rp.       2005, Bank Mega berhasil meningkatkan kredit
                                                                                                                                           5.0 trillion recorded in 2004, rising to Rp. 8.0 trillion.   konsumer sebesar Rp. 3,0 triliun atau tumbuh 59%
                Lending                                                                                                                           Mega Oto Join Financing (MOJF) is a program           dari tahun 2004 yang sebesar Rp. 5,0 triliun menjadi
                                                                                                                                           that made the largest contribution to Bank Mega’s            Rp. 8,0 triliun.
                                                                                                                                           total lending. MOJF is a partnership program between               Mega Otto Join Financing (MOJF) merupakan
                     The banking world felt the effects of the not yet          Di tengah kondisi perekonomian nasional yang               Bank Mega and multifinance companies that are                program andalan/unggulan yang memberikan kontri-
                conducive national economic situation in Indonesia          masih belum kondusif, dunia perbankan ikut mera-               referred to as partners in terms of providing financing      busi paling besar dalam perkreditan Bank Mega.
                during 2005. In spite of this, Bank Mega succeeded          sakan dampaknya. Walaupun demikian, Bank Mega                  for motor vehicles which is disbursed to the end             MOJF merupakan program kemitraan antara Bank
                in increasing its volume of loans disbursed by              berhasil meningkatkan volume penyaluran kredit                 users. By the end of 2005, a total of 21 of the most         Mega dengan multifinance yang disebut sebagai
                Rp. 3.7 trillion, from total of Rp. 7.6 trillion recorded   sebesar Rp. 3,7 triliun dari tahun 2004 yang jumlah-           well-known multifinance companies in Indonesia had           mitra untuk pembiayaan kendaraan bermotor yang
                in 2004.                                                    nya Rp. 7,6 triliun.                                           become MOJF program partners. This resulted in an            disalurkan kepada end user/debitur. Hingga akhir


                48 | Bank Mega Annual Report 2005                                                                                                                                                                                  Bank Mega Annual Report 2005 |   49
BUSINESS REVIEW                                                                                                                                                                                                         BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                                Ulasan Bisnis




                                                             During 2005, Bank Mega succeeded in                     During the first half of 2006, Bank Mega will set up a    ses pengajuan kredit lebih efisien dan memudahkan
                                                             increasing consumer loans by Rp. 3.0 tril-              new CLC in Medan.                                         nasabah. Selama tahun 2005, telah dibentuk 3 CLC
                                                             lion, a rise of 59% compared to the Rp.                                                                           yaitu di Jakarta, Bandung dan Surabaya. Sedangkan
                                                             5.0 trillion recorded in 2004, rising to                                                                          semester pertama 2006, Bank Mega akan memben-
                                                             Rp. 8.0 trillion.                                                                                                 tuk CLC baru di Medan.


                                                             Bank Mega berhasil meningkatkan kredit
                                                             konsumer sebesar Rp. 3,0 triliun atau
                                                             tumbuh 59% dari tahun 2004 yang sebe-                   Corporate Lending                                         Kredit Korporasi
                                                             sar Rp. 5,0 triliun menjadi Rp. 8,0 triliun.
                                                                                                                           Despite the less than conducive economic situa-          Dalam kondisi perekonomian yang kurang kon-
                                                                                                                     tion, Bank Mega was still able to increase corporate      dusif, Bank Mega masih mampu meningkatkan per-
                                                                                                                     loans by 27%, compared to 2004, to Rp. 2.2 trillion       tumbuhan kredit korporasi sebesar 27% dari tahun
                                                                                                                     by the end of 2005. The largest composition was           2004 menjadi Rp. 2,2 triliun pada akhir tahun 2005.
increase of 940,000 in the number of accounts and            2005, terdapat 21 perusahaan multifinance terkemu-      made by Working Capital Loans. In 2005, working           Komposisi terbesar disumbangkan jenis Kredit Modal
a loan portfolio rise of Rp. 2.8 trillion to Rp. 7.5 tril-   ka di Indonesia yang menjadi mitra program MOJF         capital loans disbursed to corporations amounted to       Kerja. Pada tahun 2005, Kredit Modal Kerja yang
lion, an increase of 60% compared to the previous            dan berhasil menambah jumlah account menjadi            Rp. 1.4 trillion, while investment loans totaled Rp.      disalurkan ke korporasi sebesar Rp. 1,4 triliun.
year. In order to make administration easier and             940.000 dan meningkatkan portofolio kredit sebesar      852.7 billion. Taking into account the above situation,   Sementara kredit investasi yang disalurkan ke korpo-
to be able to monitor the growth of quality loans,           Rp. 2,8 triliun menjadi Rp. 7,5 triliun atau tumbuh     there is a great deal of potential for the development    rasi sebesar Rp. 852,7 milyar. Melihat kondisi diatas,
22 branches have been set up in Java, Sumatra,               60% dibanding tahun sebelumnya. Untuk memper-           of corporate loans in the future.                         potensi kredit korporasi masih harus dikembangkan
Kalimantan, Sulawesi, Bali and Mataram.                      mudah administrasi dan memonitor perkembangan                 Because of this, Bank Mega has already deter-       pada masa yang akan datang.
      Another program that also supported growth of          kualitas kredit, telah dibentuk 22 cabang yang terli-   mined seven advantageous sectors to be prioritized            Oleh karena itu, pada tahun 2006 Bank Mega
Bank Mega loans is Mega Inventory Financing. This            bat dalam program ini dan tersebar di Pulau Jawa,       for disbursing loans during 2006, as follows:             telah menetapkan 7 sektor andalan yang menjadi
program is a loan facility for financing the inventories     Sumatera, Kalimantan, Sulawesi, Bali dan Mataram.       1. Agrobusiness/Plantation sector, especially palm oil    prioritas dalam menyalurkan kredit yaitu :
of dealers, distributors and retailers through coopera-           Program lain yang juga mendukung pencapaian           commodities and by-products.                           1. Sektor Agrobisnis/perkebunan khususnya untuk
tion with business partners. During 2005, through            kredit Bank Mega adalah Mega Inventory Financing.       2. Mining sector, especially coal and tin, as well as        komoditas kelapa sawit dan produk turunannya.
the Mega Inventory Financing program, Bank Mega              Program ini merupakan fasilitas kredit yang diberikan      mining support companies such as those in con-         2. Sektor Pertambangan khususnya batubara dan
succeeded in setting up cooperation agreements with          untuk membiayai inventory kepada dealer, distributor       tracting, heavy equipment and transportation              timah serta industri pendukung pertambangan
Toyota Astra Motor (TAM) in terms of motor vehicle           ataupun retailer melalui kerjasama dengan business         services.                                                 seperti jasa kontraktor, alat berat dan transportasi.
financing and inventory financing with distributors          partner. Selama tahun 2005, melalui program Mega        3. Financial Institutions (Multifinance and People’s      3. Lembaga Keuangan (Multifinance dan BPR)
Krama Yudha Tiga Berlian (Mitsubishi) and Inbisco.           Inventory Financing, Bank Mega berhasil menjalin           Credit Banks).                                         4. Sektor Konsumsi (makanan/minuman, rokok, far-
      In addition, in order to support the government        kerjasama dengan Toyota Astra Motor (TAM), dalam        4. Consumer Sector (food and drink, cigarettes,              masi) dan industri pendukung barang konsumsi
program to develop micro businesses, Bank Mega               pembiayaan kendaraan bermotor dan inventory kepa-          pharmaceutical) and consumer goods support                (packaging).
disbursed micro business loans through working               da distributor Krama Yudha Tiga Berlian (Mitsubishi)       industries (packaging).                                5. Infrastruktur (energi-listrik, telekomunikasi) dan
together with Peoples’ Credit Banks (KPR) that are           dan Inbisco.                                            5. Infrastructure (energy-electricity, telecommunica-        industri pendukung infrastruktur termasuk kons-
healthy and have good reputation.                                 Selain itu, sebagai wujud dukungan terhadap           tions) and infrastructure support industries includ-      truksi (jasa kontraktor, semen, steel).
      Bank Mega also works together with well-               program pemerintah mengembangkan usaha mikro,              ing construction (contracting, cement, steel).         6. Distribusi/Perdagangan(Eceran dan Ekspor-Impor)
known developers and property agents such as                 Bank Mega menyalurkan kredit usaha mikro melalui        6. Distribution/Trading (Retail and Export-Import).       7. Industri Logam Dasar (bahan kimia, baja).
Coldwell Banker, Century 21, ERA Graharealty and             kerjasama dengan BPR yang mempunyai tingkat             7. Base Metal Industries (chemicals, steel).
L.J. Hooker, in order to increase the volume of              kesehatan serta reputasi yang baik.                                                                                     Sesuai rencana kerja tahun 2006, Bank Mega
housing loans. Efforts to continue the development                Bank Mega juga bekerjasama dengan develop-               In line with the 2006 annual work plan, Bank        telah membuat strategi untuk meningkatkan penca-
of loan disbursements were also carried out through          er dan property agent terkemuka seperti Coldwell        Mega has already prepared strategies to increase          paian kredit yaitu :
the implementation of the Implant Banking Program            Banker, Century 21, ERA Graharealty, dan L.J.           lending, including the following:                         • Melakukan review organisasi dan meningkatkan
(IBP). This program involves working together with           Hooker, untuk meningkatkan volume Kredit Pemilik-       • Carrying out organizational reviews and increasing         kualitas SDM dalam rangka meningkatkan efektivi-
well-known institutions to provide loans on a collec-        an Rumah (KPR). Upaya untuk terus mengembang-              the quality of human resources as part of raising         tas dan produktivitas kerja.
tive basis to employees. The institutions referred           kan penyaluran kredit juga dilakukan dengan penye-         effectiveness and productivity at work.                • Mempercepat pertumbuhan kredit komersial
to are companies and employee cooperatives that              lenggaraan Implant Banking Program/IBP. Program         • Accelerating the growth of commercial loans                dengan mengoptimalkan peran wilayah, Commer-
are involved.                                                ini merupakan bentuk kerjasama dengan institusi            through optimizing the role of regions, Commercial        cial Banking Center (CBC) dan cabang serta meng-
      In order to support its disbursement of consumer       terkemuka untuk memberikan kredit secara kolektif          Banking Centers (CBCs) and branches as well as            intensifkan pengembangan produk program.
loans, Bank Mega has already set up Consumer Loan            kepada karyawan. Institusi yang dimaksud dapat             intensifying product development programs.             • Secara selektif mengembangkan kredit korporasi
Centers (CLCs), which are centers to develop and             merupakan perusahaan atau koperasi karyawan             • Selectively developing corporate loans to selected         pada selected industry yang tahan terhadap
accelerate the loan application approval process.            perusahaan yang bersangkutan.                              industries that are capable of holding out against        tekanan ekonomi.
With the existence of these CLCs, customers enjoy                 Untuk mendukung penyaluran kredit konsumer,           economic pressure.                                     • Menggali potensi fee based income termasuk
more efficient and easier loan application approval          telah dibentuk Consumer Loan Center/CLC yang            • Seeking potential sources of fee-based income,             biaya administrasi kredit, provisi kredit dan
processes. During 2005, three CLCs were set up               merupakan pusat pengembangan dan mempercepat               including loan administration fees, loan provision        transaksi Trade Finance (LC & BG).
in Jakarta, Bandung and Surabaya.                            proses pengajuan kredit. Dengan adanya CLC, pro-           fees and Trade Finance transaction (LC & BG) fees.


50 | Bank Mega Annual Report 2005                                                                                                                                                                         Bank Mega Annual Report 2005 |   51
BUSINESS REVIEW                                                                                                                                                                                                        BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                               Ulasan Bisnis




                                                           Ever since Bank Mega first launched                                                                                 Mega Visa grew by around 156%, more
                                                           the Mega Visa credit card four years ago,                                                                           than doubling from 35,140 cards in 2004
                                                           there has been significant growth each                                                                              to a total of 90,064 cards by the end
                                                           and every year.                                                                                                     of 2005.

                                                           Tren pertumbuhan kartu kredit Mega Visa                                                                             Mega Visa tumbuh sekitar 156%, mening-
                                                           sejak pertama kali diluncurkan empat                                                                                kat dua kali lipat lebih, dari 35.140 kartu
                                                           tahun lalu, terus mengalami peningkatan                                                                             pada tahun 2004 menjadi 90.064 kartu
                                                           yang cukup signifikan dari tahun ke tahun.                                                                          pada akhir tahun 2005.



Credit Card                                                Kartu kredit
      Ever since Bank Mega first launched the Mega              Tren pertumbuhan kartu kredit Mega Visa sejak             Acquisition Program                                       Program Akuisisi
Visa credit card four years ago, there has been signif-    pertama kali diluncurkan empat tahun lalu, terus               Basically, this program covers several Bank               Pada dasarnya, program ini mencakup berbagai
icant growth each and every year. Enhancements             mengalami peningkatan yang cukup signifikan dari         Mega activities to increase the exposure of its credit     kegiatan dan aktivitas Bank Mega dalam usaha me-
carried out through several programs and features          tahun ke tahun. Enhancement yang dilakukan di ber-       cards as well at the same time increasing the num-         ningkatkan eksposure kartu kredit sekaligus menam-
have made Mega Visa credit cards more popular with         bagai program dan fitur membuat Mega Visa semakin        ber of customers. More than 70% of the program’s           bah jumlah nasabah. Lebih dari 70% aktivitas pro-
customers.                                                 digemari dan dibutuhkan nasabah.                         activities in 2005 were connected to the implementa-       gram di tahun 2005 merupakan implementasi
      In order to achieve maximum results, during               Untuk mencapai hasil maksimal, pada tahun           tion of the acquisition program. These included the        program akuisisi. Beberapa implementasi praktis
2005 Bank Mega concentrated more on issuing                2005, Bank Mega lebih banyak berkonsentrasi pada         following:                                                 yang dilakukan dalam program ini meliputi:
cards. Despite the disadvantageous economic situa-         issuing kartu. Di tengah kondisi perekonomian yang       • Efforts to increase the role of Internal Channels. In    • Usaha peningkatan peran Internal Channel.
tion, especially during the second half of 2005, the       kurang menguntungkan khususnya pada semester                this regard, Bank Mega called on all branches,            Dalam hal ini, Bank Mega mendorong seluruh ca-
credit card division was still able to record an impres-   kedua tahun 2005, kartu kredit tetap mampu meraih           both within as well as outside the Greater Jakarta        bang, baik di Jabotabek maupun di luar Jabotabek
sive performance.                                          prestasi yang menggembirakan.                               metropolitan area to get involved in seeking new          untuk turut serta mencari nasabah baru Mega
      Mega Visa grew by around 156%, more than                  Mega Visa tumbuh sekitar 156%, meningkat               Mega Visa customers. In 2006, it is expected that         Visa. Di tahun 2006, diharapkan cabang lebih aktif
doubling from 35,140 cards in 2004 to a total of           dua kali lipat lebih, dari 35.140 kartu pada tahun          branches will be more active in seeking credit card       mencari nasabah kartu kredit. Selain itu, Bank
90,064 cards by the end of 2005. Growth of Mega            2004 menjadi 90.064 kartu pada akhir tahun 2005.            customers. In addition, Bank Mega also initiated          Mega juga melakukan penjualan Mega Visa mela-
Visa’s outstanding also experienced a significant in-      Pertumbuhan outstanding Mega Visa juga mengala-             cross selling programs with the consumer loans            lui cross selling dengan divisi consumer loan.
crease. Growth amounted to 160%, from Rp. 75 bil-          mi peningkatan signifikan. Pertumbuhan mencapai             division for Mega Visa sales. In practice, this is        Praktiknya dengan mengenalkan bundle product
lion in 2004 in Rp. 195 billion by the end of 2005.        160%, dari Rp. 75 milyar menjadi Rp. 195 milyar             carried out through introducing product bundles to        kepada nasabah consumer loan.
The growth in cards and outstanding was also               pada akhir tahun 2005. Pertumbuhan kartu dan out-           consumer loan customers.                                • Usaha peningkatan Direct Sales melalui telemar-
accompanied by a rise in volume transactions from          standing tersebut juga diikuti dengan meningkatnya       • Efforts to increase Direct Sales through telemarket-       keting dan berbagai ajang pameran di wilayah
Rp. 236.0 billion in 2004 to Rp. 527 billion by the        volume transaksi. Dari Rp. 236,0 milyar pada tahun          ing and taking part in several exhibitions in central     pusat maupun daerah.
end of 2005. On the other hand, the largest contribu-      2004 menjadi Rp. 527 milyar pada akhir tahun                and regional areas.
tion of total credit card fee-based income originated      2005. Di sisi lain, kontribusi terbesar dari total fee                                                                   Program Promosi
from transaction fees of between 30% and 40%.              based income kartu kredit berasal dari transaction            Promotion Programs                                         Hingga akhir tahun 2005, Mega Visa For Life
      These successes had much to do with service          fee yang mencapai 30% - 40%.                                  By the end of 2005, the Mega Visa For Life pro-       masih menjadi program andalan menarik minat kon-
consistency, innovations and business strategies in             Keberhasilan tersebut tentu tidak bisa dilepas-     gram was still popular with credit card customers in       sumen kartu kredit di Tanah Air. Melalui program ini,
the credit card division. Since it started, Bank Mega      kan dari konsistensi pelayanan, inovasi dan strategi     Indonesia. Through this program, every Mega Visa           setiap nasabah Mega Visa berkesempatan menda-
has been committed to always providing the best for        bisnis di bidang kartu kredit. Sejak awal, Bank Mega     customer has the opportunity of winning a selection        patkan hadiah langsung dan hadiah keberuntungan
every customer. Business strategies implemented            berkomitmen untuk selalu memberikan yang terbaik         of prizes during specific periods. The Mega Visa For       yang diundi pada setiap periode tertentu.
through several programs in order to develop credit        bagi setiap nasabah. Adapun strategi bisnis yang         Life program was implemented through programs              Implementasi Mega Visa For Life dilakukan melalui
card growth, including the following:                      diimplementasikan di berbagai program yang ditem-        such as:                                                   dua program seperti :
                                                           puh dalam mencapai pertumbuhan kartu kredit
                                                           antara lain:


Enhancements carried out through several                   Enhancement yang dilakukan di berbagai                   Growth of Mega Visa outstandings also                      Pertumbuhan outstanding Mega Visa
programs and features have made Mega                       program dan fitur membuat Mega Visa                      experienced a significant increase. Growth                 juga mengalami peningkatan signifikan.
Visa credit cards more popular with                        semakin digemari dan dibutuhkan                          amounted to 160%, from Rp. 75 billion                      Pertumbuhan mencapai 160%, dari Rp. 75
customers.                                                 nasabah.                                                 in 2004 in Rp. 195 billion by the end                      milyar menjadi Rp. 195 milyar pada akhir
                                                                                                                    of 2005.                                                   tahun 2005.



52 | Bank Mega Annual Report 2005                                                                                                                                                                        Bank Mega Annual Report 2005 |   53
BUSINESS REVIEW                                                                                                                                                                                                      BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                             Ulasan Bisnis




Bank Mega has already made several                       Bank Mega telah melakukan berbagai per-                 In practice, Bank Mega will still maintain
preparations which it is expected will be                siapan yang diharapkan mampu mewujud-                   the programs that were implemented
able to meet credit card business targets.               kan target-target bisnis kartu kredit.                  during 2005 by development and
Through these efforts, Bank Mega hopes                   Dengan usaha tersebut, secara otomatis,                 enhancement efforts to further increase
that automatically fee-based income and                  Bank Mega berharap bisa meningkatkan                    customer value.
interest income will increase.                           fee based income dan interest income-nya.
                                                                                                                 Bank Mega akan tetap mempertahankan
                                                                                                                 program-program yang telah diimplemen-
                                                                                                                 tasikan di tahun 2005 dengan melakukan
                                                                                                                 pengembangan serta enhancement yang
                                                                                                                 lebih menyentuh value nasabah.


                                                         • Direct Gift. Setiap aplikasi dan penggunaan perta-          In order to improve the performance of the             bangan serta enhancement yang lebih menyentuh
*Rupiah (in billion)        2004      2005     Growth      ma kali kartu kredit Mega Visa, nasabah berhak        Mega Visa business in 2006, Bank Mega has already            value nasabah. Beberapa terobosan baru yang meru-
 Rupiah (dalam milyar)                           %
                                                           mendapatkan hadiah langsung berupa satu buah          made several preparations which it is expected will          pakan enhancement program-program sebelumnya
                                                           jam tangan Lamborghini.                               be able to meet credit card business targets.                yang rencananya akan diimplementasikan pada
 Card Issue
                           35.140    90.064     156      • Lucky Draw. Setiap kali nasabah melakukan tran-       In addition to still running as well as increasing the       tahun 2006 antara lain:
 Jumlah kartu
                                                           saksi menggunakan Mega Visa, mereka akan men-         card issuing project, Bank Mega will also aim at             • Mega Privilege Area. Dalam program ini, semua
 Outstanding
                            Rp. 75   Rp. 195    160        dapat poin khusus lucky draw yang berhadiah           increasing usage of Mega Visa credit cards. Through            pemegang kartu Mega Visa akan mendapat benefit
 Outstanding
                                                           mobil Honda Jazz. Pengundian lucky draw dilaku-       these efforts, Bank Mega hopes that automatically              di setiap outlet Mega Privilege Area yang mereka
 Transaction Volume
                          Rp. 236    Rp. 527    123        kan hampir setiap minggu sepanjang tahun 2005.        fee-based income and interest income will increase.            kunjungi. Nasabah akan memperoleh diskon de-
 Volume transaksi
                                                           Selain itu, untuk menambah kegairahan nasabah               In practice, Bank Mega will still maintain the           ngan nilai tertentu dan gift spesial yang diharap-
                                                           menggunakan kartu, Bank Mega juga menambah            programs that were implemented during 2005 by                  kan bisa membuat nasabah merasa nyaman
                                                           hadiah kejutan lain berupa TV Plasma 42 inch          development and enhancement efforts to further                 berbelanja di tempat tersebut.
• Direct Gifts. Every time a new application is put in     yang diundi setiap hari.                              increase customer value. It is planned that several          • Mengembangkan dan memperbanyak fasiltas bill
  and a Mega Visa credit card is used for the first                                                              new breakthroughs in the form of enhancement pro-              payment, sehingga setiap nasabah bisa melakukan
  time, customers have the right to receive direct              Program Smart Pay                                grams will be implemented in 2006, including :                 segala macam pembayaran tagihan melalui kartu
  gifts, including Lamborghini wristwatches.                    Setelah lebih dari dua tahun berjalan, pada      • Mega Privilege Area. Through this program, all               kredit Bank Mega.
• Lucky Draw. Every time a customer makes a trans-       tahun 2005, Bank Mega juga meng-enhancement                Mega Visa cardholders will obtain benefits at every       • High Value Gift with Contract. Pada setiap aplika-
  action using a Mega Visa credit card, they receive     program cicilan melalui kartu kredit. Untuk transaksi      Mega Privilege Area outlet that they visit. Customers       si baru dan penggunaan Mega Visa dalam nominal
  points in a lucky draw where the main prize is a       retail sebesar minimal Rp. 500.000,- Nasabah Mega          will obtain certain discounts and special gifts that it     tertentu, nasabah berkesempatan mendapatkan
  Honda Jazz car. A lucky draw was held almost           Visa langsung bisa merubah ke program cicilan.             is hoped will make customers will want to shop at           gift spesial yang tentu saja sesuai dengan values
  every week throughout 2005. In addition, Bank          Dengan Smart Pay, nasabah bisa memilih sendiri             that outlet.                                                serta kebutuhan mereka.
  Mega also added additional surprise prizes every       jangka waktu cicilan, mulai dari 3 bulan, 6 bulan       • Developing and increasing bill payment facilities,         • Meningkatkan Cross Selling dan akan berusaha
  day, including 42 inch Plasma TV sets in order to      hingga 12 bulan dengan bunga yang cukup kompe-             until every customer can make many different kinds          lebih in-line dengan consumer loan sehingga bisa
  increase cardholder enjoyment.                         titif dan reasonable.                                      of payments with their Bank Mega credit cards.              memberi nilai tambah yang lebih kepada setiap
                                                                                                                 • High Value Gift with Contract. For every new                 pemegang kartu kredit.
      Smart Pay Program                                       Program-program tersebut terus mendapat               application and use of a Mega Visa credit card
      After more than two years of operation, in 2005    respon positif dari setiap pemegang kartu Mega Visa        with a certain nominal value, customers will have
Bank Mega also carried out enhancements of its           sehingga Bank Mega mampu mencapai hasil yang               the opportunity of receiving a special gift that will
installment repayment program via credit card. For       lebih baik dari tahun-tahun sebelumnya.                    certainly be appropriate to their values and
retail transactions with a minimum value of Rp.               Sebagai upaya untuk lebih memantapkan per-            requirements.
500,000 Mega Visa customers can pay by install-          olehan dan pencapaian bisnis Mega Visa di tahun         • Increasing Cross Selling and trying to be more
ments. With Smart Pay, customers can choose their        2006, Bank Mega telah melakukan berbagai persiap-          in line with consumer loans in order to be able
own repayment periods, from three months, six            an yang diharapkan mampu mewujudkan target-                to provide added value to every Bank Mega
months and 12 months with interest rates that are        target bisnis kartu kredit. Selain akan tetap mening-      credit cardholder.
both competitive and reasonable.                         katkan proyek issuing kartu, Bank Mega juga akan
                                                         lebih gencar meningkatkan usage Mega Visa.
     These programs continue to receive a positive       Dengan usaha tersebut, secara otomatis, Bank Mega
response from every Mega Visa credit cardholder and      berharap bisa meningkatkan fee based income dan
Bank Mega has been able to achieve better results        interest income-nya.
every year.                                                   Praktiknya, Bank Mega akan tetap memperta-
                                                         hankan program-program yang telah diimplemen-
                                                         tasikan di tahun 2005 dengan melakukan pengem-


54 | Bank Mega Annual Report 2005                                                                                                                                                                      Bank Mega Annual Report 2005 |   55
BUSINESS REVIEW                                                                                                                                                                                                   BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                          Ulasan Bisnis




Bank Mega is continually carrying out                     Inovasi produk yang memberikan nilai                    During 2005, the total number of Bank                     Selama tahun 2005, jumlah Number of
product innovation in order to provide                    lebih bagi nasabah selalu dilakukan Bank                Mega’s funding product accounts experi-                   Account (NoA) funding telah mengalami
added value for customers. During 2005,                   Mega. Selama tahun 2005, melalui produk                 enced an increase of 71% compared to                      pertumbuhan sebesar 71% dari tahun
through innovative products and providing                 yang inovatif dan memberikan nilai tambah,              2004, rising from 214,000 accounts to                     2004 yang hanya sebesar 214.000
added value, Bank Mega succeeded in                       Bank Mega berhasil meraih kemajuan                      365,406 accounts by the end of 2005.                      account menjadi 365.406 account pada
recording significant business growth.                    bisnis yang cukup signifikan.                                                                                     akhir tahun 2005.




Third Party Liability

      Bank Mega is continually carrying out product             Inovasi produk yang memberikan nilai lebih        Third Party Liability accounted for 54% of total Third         Visi untuk menjadi bank retail terkemuka di
innovation in order to provide added value for cus-       bagi nasabah selalu dilakukan Bank Mega. Selama         Party Liability while individual Third Party Liability    perbankan nasional berhasil diwujudkan Bank Mega.
tomers. During 2005, through innovative products          tahun 2005, melalui produk yang inovatif dan mem-       only amounted to 46% of total Third Party Liability.      Pada akhir tahun 2004 komposisi DPK korporasi
and providing added value, Bank Mega succeeded in         berikan nilai tambah, Bank Mega berhasil meraih               During 2005, Bank Mega also succeeded in            lebih besar dibanding perolehan DPK Individu. DPK
recording significant business growth. Several new        kemajuan bisnis yang cukup signifikan. Berbagai         changing the composition of its Third Party Liability.    korporasi memiliki komposisi sebesar 54%, semen-
products were created and these succeeded in              macam produk baru mampu diciptakan dan berhasil         By the end of 2005, Bank Mega’s individual Third          tara komposisi perolehan DPK dari Individu hanya
attracting much attention from the general public.        menarik perhatian masyarakat dengan hasil yang          Party Liability accounted for 60% and corporate           sebesar 46% dari total perolehan DPK.
      Bank Mega’s awareness of the general public’s       menggembirakan.                                         Third Party Liability 40% of total Bank Mega’s Third           Selama tahun 2005, Bank Mega juga berhasil
need for banking services has provided references               Memahami semua kebutuhan masyarakat               Party Liability.                                          mengubah komposisi perolehan DPK dari individu
for new, innovative products. This is important           terhadap layanan perbankan menjadi acuan Bank                 Bank Mega is aware that Third Party Liability       lebih besar daripada perolehan DPK dari korporasi.
because if products do not provide customers with         Mega dalam melakukan inovasi produk-produk baru.        are still dominated by high cost funds. Third Party       Pada akhir tahun 2005, perolehan DPK individu
added value, then they will not be accepted by the        Hal tersebut penting karena jika produk perbankan       Liability and deposit products accounted for 82% of       Bank Mega dengan komposisi 60% dan korporasi
general public, especially with the current tight com-    tidak memberikan nilai tambah bagi nasabah, maka        total Third Party Liability. Lower cost funds from sav-   turun menjadi sebesar 40% dari total perolehan DPK
petition between banks in terms of so many new            produk tersebut tidak akan bisa diterima masyarakat.    ings and checking accounts amounted to 18% of             Bank Mega.
products being launched. Only products that are           Terlebih di tengah persaingan usaha yang kian ketat     total Third Party Liability. However, it is proper that        Bank Mega menyadari, perolehan dana pihak
capable of meeting the needs of the general public        dengan berbagai macam produk perbankan banyak           a bank with such a high growth rate as Bank Mega          ketiga masih didominasi oleh dana mahal. DPK dari
will be accepted by the market.                           diluncurkan. Hanya produk-produk yang mampu             should be aware of this. In the future, Bank Mega         produk-produk deposito memiliki komposisi sebesar
      Because of this, Bank Mega will continue to         memenuhi kebutuhan masyarakat yang akan diteri-         will continue its efforts to increase the composition     82% dari total perolehan DPK. Perolehan dana
develop products and services for customers. Several      ma oleh pasar.                                          of lower cost funds in order to optimize the bank’s       murah dari produk tabungan dan giro sebesar 18%
funding products have already been well received by             Atas pertimbangan tersebut, Bank Mega             performance.                                              dari total perolehan DPK. Namun, hal ini merupakan
the general public. This is proven by a considerable      terus melakukan pengembangan produk maupun                    Efforts to increase the composition of cheap        sesuatu yang wajar terutama bagi bank yang masih
increase in the number of funding product accounts.       layanan pada nasabah. Berbagai macam produk             funds were begun by Bank Mega in 2005. Through-           berada dalam tahap pertumbuhan tinggi seperti
During 2005, the total number of Bank Mega’s fund-        funding telah berhasil mendapatkan tempat di ma-        out 2005, Bank Mega focussed on strategies to             Bank Mega. Kedepan, Bank Mega akan terus ber-
ing product accounts experienced an increase of           syarakat. Hal tersebut terbukti dengan semakin me-      change the composition of its Third Party Liability.      usaha meningkatkan komposisi perolehan dana
71% compared to 2004, rising from 214,000                 ningkatnya jumlah nasabah yang dibuktikan dengan                                                                  murah guna menunjang optimalisasi kinerja.
accounts to 365,406 accounts by the end of 2005.          peningkatan jumlah account atas produk-produk                                                                          Pada dasarnya, upaya untuk memperbesar
      This increase in the total number of accounts       funding. Selama tahun 2005, jumlah Number of                                                                      komposisi perolehan dana murah telah mulai dila-
automatically means a rise in the amount of Third         Account (NoA) funding telah mengalami pertumbuh-                                                                  kukan Bank Mega sejak tahun 2005. Selama tahun
Party Liability obtained. During 2005, Bank Mega          an sebesar 71% dari tahun 2004 yang hanya sebe-                                                                   2005, Bank Mega telah fokus melakukan berbagai
was able to increase the amount of Third Party            sar 214.000 account menjadi 365.406 account pada                                                                  strategi untuk mengubah komposisi perolehan
Liability obtained by Rp. 6.5 trillion, compared to       akhir tahun 2005.                                                                                                 Dana Pihak Ketiga.
2004, rising to Rp. 22.0 trillion by the end of 2005.           Peningkatan jumlah NoA tersebut otomatis juga
      Bank Mega is well on its way to achieving its       meningkatkan perolehan Dana Pihak Ketiga (DPK).
vision of becoming the best-known retail bank in          Selama tahun 2005, Bank Mega mampu meningkat-
Indonesia’s banking sector. By the end of 2004, the       kan perolehan Dana Pihak Ketiga sebesar Rp. 6,5
composition of corporate Third Party Liability was        triliun dari tahun 2004 menjadi Rp. 22,0 triliun pada
larger than individual Third Party Liability. Corporate   akhir tahun 2005.




56 | Bank Mega Annual Report 2005                                                                                                                                                                   Bank Mega Annual Report 2005 |   57
BUSINNESS REVIEW                                                                                                                                                                                                       BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                               Ulasan Bisnis




                                                            The development of products that provide                                                                            In terms of funding products, Bank Mega
                                                            added value to members of the general                                                                               has already added several new products
                                                            public is always a focus of Bank Mega in                                                                            with the launch of savings accounts in line
                                                            serving retail customers.                                                                                           with the needs of customers.

                                                            Di produk funding, Bank Mega telah me-                                                                              Di produk funding, Bank Mega telah me-
                                                            nambah produk baru dengan meluncurkan                                                                               nambah produk baru dengan meluncurkan
                                                            tabungan yang sesuai dengan kebutuhan                                                                               tabungan yang sesuai dengan kebutuhan
                                                            nasabah.                                                                                                            nasabah.




Retail Banking

    The development of products that provide                     Pengembangan produk yang memberikan value          In addition, it is also easier for Mega Dana customers      kukan transaksi belanja di seluruh merchant yang
added value to members of the general public is             added bagi masyarakat selalu menjadi fokus Bank         to make transactions such as paying telephone bills         berlogo VISA atau VISA Electron.
always a focus of Bank Mega in serving retail cus-          Mega dalam melayani nasabah retail. Di produk           and buying pre-paid vouchers for cellular phones as         Selain itu, nasabah Mega Dana juga semakin diper-
tomers. In terms of funding products, Bank Mega             funding, Bank Mega telah menambah produk baru           well as other banking transactions including with-          mudah dalam melakukan transaksi seperti pemba-
has already added several new products with the             dengan meluncurkan tabungan yang sesuai dengan          drawals, deposits and transfers.                            yaran rekening TELKOM dan telepon selular serta
launch of savings accounts in line with the needs of        kebutuhan nasabah. Beberapa produk baru yang                                                                        pembelian voucher isi ulang. Tidak ketinggalan,
customers. Products launched in 2005 included:              diluncurkan selama tahun 2005 adalah:                   3. Mega Maxi                                                transaksi perbankan seperti penarikan, penyetoran,
                                                                                                                        This product is a savings account with progres-         transfer dan berbagai macam transaksi perbankan
1. Mega Rencana                                             1. Mega Rencana                                         sive rates of interest above Mega Dana, targeted to         lain juga kian mudah dilakukan.
    This is a savings account product based on the              Produk ini merupakan tabungan dengan konsep         the upper class and affluent customer segment. This
concept of financial planning. Compared to other            financial planning. Dibanding dengan produk tabung-     product provides customers with the opportunity to          3. Mega Maxi
savings account products, Mega Rencana provides             an lain, Mega Rencana memberikan lebih banyak           keep increasing their savings account balances                  Produk ini merupakan tabungan dengan bunga
more benefits for customers. In addition to making it       keuntungan bagi nasabah. Selain kian mudah me-          because the higher Mega Maxi balances are, then             progresif di atas bunga Mega Dana dengan target
easier to make financial plans for the future, cus-         lakukan perencanaan keuangan di masa yang akan          the higher the interest. With an opening balance of         upper mass segment dan affluent. Produk ini mem-
tomers also benefit from life assurance coverage.           datang, nasabah juga diuntungkan dengan jaminan         only Rp. 1 million, it’s easy for customers to access       berikan kesempatan pada nasabah untuk terus me-
This ensures that payment installments will be con-         polis asuransi. Asuransi inilah yang akan menerus-      to several Mega Maxi services. These include having         ningkatkan saldo tabungan, karena semakin tinggi
tinued if customers encounter any problems such as          kan setoran nasabah jika di tengah perjalanan, nasa-    an ATM MegaPass card that functions not only as an          saldo tabungan nasabah di Mega Maxi, maka
injury or death, that make it impossible for them to        bah menghadapi kendala seperti cacat tetap atau         ATM card but also as a debit card, which can be             semakin tinggi bunga yang akan diperoleh nasabah.
keep up payments. Because of this, at the already           bahkan meninggal dunia, sehingga tidak memung-          used by customers for purchases at all merchants            Hanya dengan melakukan setoran awal Rp. 1 juta,
determined time, customers can still achieve their          kinkan untuk meneruskan setoran tabungan. Meski         displaying the VISA or VISA Electron logo. In addi-         nasabah dengan mudah mengakses berbagai layan-
financial targets.                                          demikian, di akhir waktu yang telah ditentukan, na-     tion, it is also easier for Mega Maxi customers to          an dan kemudahan yang disediakan bagi pemegang
                                                            sabah tetap bisa mencapai tujuan finansialnya.          make transactions such as paying telephone bills            buku tabungan Mega Maxi seperti, fasilitas kartu
2. Mega Dana                                                                                                        and buying pre-paid vouchers for cellular phones as         ATM Mega Pass yang juga berfungsi sebagai kartu
    Although it is not considered that the mass mar-        2. Mega Dana                                            well as other banking transactions including with-          debet yang dapat digunakan untuk melakukan
ket is not capable of providing a large contribution             Meski seringkali dipandang tidak memberikan        drawals, deposits and transfers.                            transaksi belanja di seluruh merchant yang berlogo
albeit a regular one, it is in fact capable of contribut-   kontribusi yang besar, apabila dicermati, pasar mass                                                                VISA atau VISA Elektron. Selain itu, nasabah Mega
ing a large amount in terms of the bank’s revenues.         mampu memberikan pendapatan yang besar bagi                   Bank Mega will continue its efforts in order to       Maxi juga semakin dipermudah dalam melakukan
The mass market actually accounts for around 85%            bank. Prosentase populasinya yang mendominasi           realize its vision of becoming the best-known retail        transaksi seperti pembayaran rekening TELKOM dan
of the total banking market and because of this, the        pasar yaitu sekitar 85% dari seluruh pasar perbank-     bank in Indonesia. Therefore, Bank Mega has already         telepon selular serta pembelian voucher isi ulang.
Mega Dana savings account product was launched              an, menjadikan mass juga menjadi bidikan untuk          prepared several action plans for 2006, including:          Tidak ketinggalan, transaksi perbankan seperti pe-
in order to increase Bank Mega’s fee-based income.          meningkatkan fee based income dengan melun-             • Increasing the total number of branch offices to          narikan, penyetoran, transfer dan berbagai macam
With this product, members of the general public            curkan produk Mega Dana. Lewat produk tersebut,           150 throughout Indonesia.                                 transaksi perbankan lain juga kian mudah dilakukan.
can easily become Mega Dana customers with only             masyarakat menjadi semakin mudah memperoleh             • Adding an additional 60 ATMs and expand elec-
an initial deposit of Rp. 100,000. Another advantage        akses ke dunia perbankan karena hanya dengan              tronic channels to all other banks’ ATMs, as well as            Bank Mega akan terus melakukan berbagai
that can be immediately enjoyed by customers is             melakukan setoran awal Rp. 100.000,- masyarakat           providing extra transaction facilities at Bank Mega       upaya untuk bisa mewujudkan visi sebagai bank
having an ATM MegaPass card. This functions not             bisa menjadi nasabah Mega Dana. Value added lain          ATMs, such as Mobile Banking and Internet                 retail terkemuka. Untuk itu, pada tahun 2006 Bank
only as an ATM card but also as a debit card that           juga bisa langsung dinikmati oleh nasabah yaitu fasi-     Banking. With these extra facilities, customers can       Mega telah mempersiapkan berbagai upaya mewu-
can be used by customers for purchases at all mer-          litas kartu ATM Mega Pass yang juga berfungsi seba-       carry out a range of transactions. These include          judkan visi tersebut dan siap menjalankan berbagai
chants displaying the VISA or VISA Electron logo.           gai kartu debet yang dapat digunakan untuk mela-          being able to pay electricity bills, credit card bills,   action plan yaitu :
                                                                                                                      PAM (water authority) bills, and cable TV bills, as


58 | Bank Mega Annual Report 2005                                                                                                                                                                        Bank Mega Annual Report 2005 |   59
BUSINESS REVIEW                                                                                                                                                                                                   BUSINNESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                            Ulasan Bisnis




    well as being able to pay for cellular phone pre-       • Menambah jumlah kantor cabang hingga menjadi        By the end of 2005, Bank Mega at the                      Hingga akhir tahun 2005, Bank Mega
    paid vouchers, consumer loan installments, school         150 kantor cabang di seluruh Indonesia.             same time succeeded in maintaining its                    berhasil menjalin sekaligus me-maintain
    fees, insurance and plane tickets plus other trans-     • Menambah 60 unit ATM dan memperluas jaringan        relationship with 90 correspondent local                  relationship dengan 90 correspondent
    actions required by customers.                            electronik channel ke semua ATM Bank lain, serta    banks and more than a total of 800                        bank lokal dan lebih dari 800 general co-
•   Setting up new CLCs (Customer Loan Centers)               menambah fitur-fitur transaksi baik di ATM Bank     general correspondent banks overseas.                     rrespondent bank di luar negeri.
    in cities with large potential for consumer credit        Mega, Mobile Banking, maupun Internet Banking.
    growth. One of these will be in Medan, North              Dengan penambahan fitur tersebut, nasabah bisa
    Sumatra.                                                  melakukan berbagai transaksi seperti pembayaran
•   Realizing a loan approval guarantee program in            rekening listrik, pembelian voucher pulsa hand-
    the first quarter of 2006. This makes it possible for     phone, pembayaran credit card, PAM, TV Kabel,
    customers to obtain loan approval, even if those          Angsuran Consumer Loan, Uang Sekolah, Asuran-
    involved do not yet own a house or a vehicle.             si, Pembelian tiket pesawat, reload pre-paid card   International Banking
•   Applying an automatic loan origination system.            dan berbagai transaksi lain yang dibutuhkan
    This makes approval quicker because the entire            nasabah.
    process is carried out electronically.                  • Mendirikan CLC baru di kota-kota yang memiliki            In 2005, Bank Mega concentrated its activities           Pada tahun 2005, konsentrasi Bank Mega di
•   Realizing the MegaFirst service to provide cus-           potensi besar untuk pengembangan kredit kon-        in the International Banking and Financial Institutions   bidang International Banking dan Financial Intitution
    tomers with the concept of personal banking. This         sumer. Salah satunya adalah di kota Medan.          division on constructing a required network between       adalah membangun jaringan yang dibutuhkan oleh
    service is aimed at customers who require privacy       • Merealisasikan program persetujuan kredit men-      Treasury, remittances and trade finance business in       bisnis Treasury, remittance dan trade finance yang
    as regards their banking transactions. With this          dahului agunan di kwartal pertama tahun 2006.       connection with international transactions. In addi-      berhubungan dengan kegiatan transaksi internasio-
    service, Bank Mega hopes it will be able to               Program ini memungkinkan nasabah memperoleh         tion, Bank Mega also developed products to support        nal. Disamping itu, Bank Mega juga mengembang-
    increase its services to the affluent segment. It         persetujuan kredit, walaupun yang bersangkutan      these three lines of business.                            kan produk-produk yang mendukung ketiga bidang
    is planned that the MegaFirst service will be             belum memiliki kepastian rumah atau mobil yang            By the end of 2005, Bank Mega at the same           bisnis tersebut.
    launched in the first quarter in 2006.                    akan dibeli.                                        time succeeded in maintaining its relationship with            Hingga akhir tahun 2005, Bank Mega berhasil
                                                            • Mengaplikasikan sistem persetujuan kredit secara    90 correspondent local banks and more than a total        menjalin sekaligus me-maintain relationship dengan
      In addition, in January 2006 Bank Mega also             otomatis (loan origination system). Aplikasi ini    of 800 general correspondent banks overseas. Of           90 correspondent bank lokal dan lebih dari 800
launched its Mega Ultima savings account product.             memungkinkan pemberian persetujuan kredit           these, 25 correspondent banks were prepared to            general correspondent bank di luar negeri. Dari 800
This provides a great deal of added value because             yang lebih cepat karena seluruh proses pengajuan    provide trade line facilities amounting to US$50.0        general correspondent bank tersebut, 25 correspon-
the interest paid on this product is as high as on            kredit dilakukan secara elektronis.                 million.                                                  dent bank diantaranya bersedia memberikan fasilitas
deposit accounts. Another advantage of this product         • Merealisasikan layanan MegaFirst untuk melayani           With this strong support from offshore banks in     trade line sejumlah US$ 50,0 juta.
is its flexibility because unlike with deposit accounts,      para nasabah dengan konsep personal banking.        the trade finance sector, Bank Mega has additional             Dengan support yang sangat memadai dari
there are no time constraints that tie down Mega              Layanan ini ditujukan untuk para nasabah yang       sources of financing in addition to Third Party           offshore bank di bidang pembiayaan trade finance
Ultima account holders.                                       membutuhkan layanan privat dalam melakukan          Liability to finance export-import activities. The sup-   tersebut, maka Bank Mega mempunyai sumber
                                                              transaksi perbankan. Melalui produk ini, Bank       port of these correspondent banks indicates that          pembiayaan disamping Dana Pihak Ketiga untuk-
                                                              Mega berharap mampu terus mengembangkan             Bank Mega has succeeded a high confidence level           membiayai ekspor-impor. Dukungan bank-bank ko-
                                                              layanan perbankan pada segmen affluent. Sesuai      internationally. Bank Mega is therefore optimistic        responden tersebut menunjukkan bahwa Bank Mega
                                                              rencana kerja, MegaFirst akan diluncurkan pada      that it can now contend with other competing banks        berhasil mendapatkan confidence level yang tinggi
In addition, in January 2006 Bank Mega                        kwartal pertama tahun 2006.                         in Indonesia.                                             dari pihak internasional. Oleh sebab itu, Bank Mega
also launched its Mega Ultima savings                                                                                   The requirements of export-import customers         optimis memiliki daya saing yang setingkat dengan
account product. This provides a great                            Selain hal diatas, pada bulan Januari 2006      are always a reference for Bank Mega in order to          bank-bank kompetitor lain di Tanah Air.
deal of added value because the interest                    Bank Mega telah meluncurkan tabungan Mega             develop and create special products that can be                Kebutuhan nasabah debitur ekspor-impor selalu
paid on this product is as high as on                       Ultima. Produk tabungan ini memberikan banyak         depended upon and are very competitively priced.          menjadi referensi Bank Mega untuk mengembang-
deposit accounts.                                           nilai tambah karena merupakan tabungan berbunga       During 2005, several products developed by Bank           kan dan menciptakan produk-produk pilihan yang
                                                            setinggi bunga deposito. Keuntungan lain yang bisa    Mega included:                                            bisa dihandalkan dengan pricing yang kompetitif.
Pada bulan Januari 2006 Bank Mega                           diperoleh nasabah adalah fleksibilitas karena Mega                                                              Pada tahun 2005, beberapa produk yang berhasil
telah meluncurkan tabungan Mega Ultima.                     Ultima merupakan produk tabungan sehingga nasa-       1.Trade Finance Products, including:                      dikembangkan oleh Bank Mega antara lain:
Produk tabungan ini memberikan banyak                       bah tidak terikat waktu seperti menyimpan uang          • Products for imports:
nilai tambah karena merupakan tabungan                      dalam bentuk deposito.                                  1. Import Service Products                              1.Produk-produk Trade Finance, meliputi:
berbunga setinggi bunga deposito.                                                                                   2. L/C Financing Products and Non L/C Working             • Produk untuk kepentingan impor:
                                                                                                                       Capital (import) Products.                               1. Produk Servis Impor
                                                                                                                    • Products for exports:                                     2. Produk Pembiayaan L/C dan Modal Kerja
                                                                                                                    1. Export Service Products                                     Non L/C (impor)
                                                                                                                    2. L/C Financing Products and Non L/C Working             • Produk untuk kepentingan ekspor:
                                                                                                                       Capital (export) Products                                1. Produk Servis Ekspor
                                                                                                                                                                                2. Produk Pembiayaan L/C dan Modal Kerja
                                                                                                                                                                                   Non L/C (ekspor)



60 | Bank Mega Annual Report 2005                                                                                                                                                                     Bank Mega Annual Report 2005 |   61
BUSINNESS REVIEW                                                                                                                                                                                                  BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                          Ulasan Bisnis




                                                         From these 800 general correspondent                   In order to achieve even better results in                Untuk mencapai hasil yang lebih memuas-
                                                         banks, 25 correspondent banks were                     2006, Bank Mega is resolved to more than                  kan pada tahun 2006, Bank Mega berte-
                                                         prepared to provide trade line facilities              double its efforts in the international bank-             kad melakukan lebih dari sekedar double
                                                         amounting to US$50.0 million.                          ing division.                                             effort di bidang international banking.

                                                         Dari 800 general correspondent bank                    Because of this, Bank Mega has also                       Oleh sebab itu, Bank Mega juga telah
                                                         tersebut, 25 correspondent bank diantara-              already prepared several agenda items to                  menyiapkan beberapa agenda yang akan
                                                         nya bersedia memberikan fasilitas trade                be implemented on an integrated basis                     diimplementasikan secara terpadu dari
                                                         line sejumlah US$ 50,0 juta.                           from head office to branches.                             kantor pusat hingga ke cabang-cabang.




2.Outgoing and incoming remittance Products,             2.Produk outgoing dan incoming remittance,                   In order to achieve even better results in 2006,
  including:                                               meliputi:                                            Bank Mega is resolved to more than double its efforts           Untuk mencapai hasil yang lebih memuaskan
  • Beneficiary Deductions                                 • Beneficiary Deduction                              in the international banking division. Because of this,   pada tahun 2006, Bank Mega bertekad melakukan
  • Full Amounts up to Beneficiary’s Bank                  • Full Amount up to Beneficiary’s Bank               Bank Mega has also already prepared several agen-         lebih dari sekedar double effort di bidang internatio-
  • Guaranteed Full Amounts up to Beneficiary’s            • Guaranteed Full Amount up to Beneficiary’s         da items to be implemented on an integrated basis         nal banking. Oleh sebab itu, Bank Mega juga telah
    Accounts                                                 Account                                            from head office to branches. These important items       menyiapkan beberapa agenda yang akan diimple-
                                                                                                                include:                                                  mentasikan secara terpadu dari kantor pusat hingga
      With these products representing the needs of            Dengan produk-produk yang merepresentasikan      • More intense training for branch employees in           ke cabang-cabang. Beberapa agenda penting terse-
its export-import customers, Bank Mega succeeded         kebutuhan debitur ekspor-impor tersebut, Bank Mega        international banking.                                 but antara lain:
in increasing the total volume and items connected       berhasil meningkatkan jumlah volume dan item           • Maximizing the role of branches so that they are        • Training kepada karyawan cabang di bidang
with export-import, remittances and collection trans-    transaksi ekspor-impor, remittances dan collection.       more active in marketing international banking            international banking akan lebih intensif
actions.                                                       Volume impor Bank Mega mengalami pening-            products.                                                 dan mendalam.
      Bank Mega’s import volume increased by US$         katan sebesar US$8,9 juta dari US$17,4 juta pada       • Focus more on business development in the inter-        • Memaksimalkan peran cabang agar mereka lebih
8.9 million from the US$17.4 million recorded in         tahun 2004 menjadi US$26,3 juta pada tahun 2005.          national banking division.                                aktif menjual produk-produk international banking.
2004 to US$26.3 million in 2005. This increase was       Peningkatan tersebut juga diikuti dengan kenaikan      • Optimize the involvement of specialist products in      • Lebih fokus ke business development di bidang
also accompanied by an increase in export volume,        volume ekspor, yang naik sebesar US$2,0 juta dari         the market place through joint marketing activities.      international banking.
which rose by US$2.0 million from the US$9.3 mil-        US$ 9,3 juta pada tahun 2004 menjadi US$ 11,3          • Expanding the overseas correspondent bank               • Mengoptimalkan keterlibatan product specialist di
lion recorded in 2004 to US$11.3 million in 2005.        juta pada tahun 2005.                                     network.                                                  lapangan dalam bentuk joint marketing.
      In the remittances section, Bank Mega also               Di bidang remittances, Bank Mega juga mampu      • Launching of a new trade finance product,               • Memperluas jaringan correspondent bank
succeeded in recording impressive results. Incoming      membukukan pencapaian yang cukup menggembi-               Warehouse Receipt Financing (WRF).                        di luar negeri.
transfers at Bank Mega rose by US$673.8 million          rakan. Incoming transfer Bank Mega naik sebesar        • Launching intensive programs for customers in the       • Meluncurkan produk trade finance berupa
from the US$548.6 million recorded in 2004 to US$        US$673,8 juta dari US$548,6 juta pada tahun               second quarter of 2006.                                   Warehouse Receipt Financing (WRF).
1,222.3 million in 2005. In addition, outgoing trans-    2004 menjadi US$1.222,3 juta pada tahun 2005.                                                                    • Meluncurkan program insentif untuk nasabah
fers rose US$357.3 million from US$678.3 million in      Sementara itu, outgoing transfer sebesar US$357,3                                                                   pada kwartal kedua tahun 2006.
2004 to US$1,035.6 million in 2005.                      juta dari US$678,3 juta pada tahun 2004 menjadi
      These successes were very much due to the          US$1.035,6 juta, pada tahun 2005.
                                                                                                                International Banking services provided by Bank Mega can be seen in the following table:
implementation of business strategies that were               Keberhasilan tersebut tidak bisa lepas dari im-
                                                                                                                Layanan jasa Internasional Banking Bank Mega dapat dilihat seperti pada tabel berikut ini:
determined during 2005. These strategies included:       plementasi strategi bisnis yang diterapkan sepanjang
• Optimizing product awareness to branch offices.        tahun 2005. Beberapa strategi bisnis tersebut          In thousands US Dollar Dalam ribu US Dollar
• Providing training and educational programs to         antara lain:
   branch office employees in the international bank-    • Mengoptimalkan product awareness kepada                                             Percentage increase
   ing division.                                            cabang-cabang.                                        Service                         in 2005 (%)                2005               2004                  2003
                                                                                                                  Layanan                       Prosentase Kenaikan
• Controlling and monitoring activities as well as       • Memberikan training dan edukasi yang memadai
                                                                                                                                                 di tahun 2005 (%)
   budget achievements as references to be able to          kepada karyawan cabang di bidang international
   show appreciation and give incentives to branches.       banking.                                              Export                                21                     11.314               9.312                  5.186
• Assisting branches in business development and         • Mengontrol dan memonitor kegiatan serta penca-         Ekspor
   marketing of international banking products direct-      paian budget sebagai referensi untuk memberikan       Import
                                                                                                                  Impor
                                                                                                                                                        51                     26.388             17.424                   4.374
   ly to customers.                                         apresiasi dan insentif kepada cabang.
                                                         • Membantu cabang dalam pengembangan bisnis              Remittance
                                                                                                                  Jasa-jasa Valuta Asing                83                 2.257.954           1.232.409                553.070
                                                            dan penjualan produk-produk international bank-
                                                            ing langsung kepada nasabah.                          Total                                                   2.295.656           1.259.145               562.630



62 | Bank Mega Annual Report 2005                                                                                                                                                                   Bank Mega Annual Report 2005 |   63
BUSINESS REVIEW                                                                                                                                                                                                       BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                              Ulasan Bisnis




During 2005, Bank Mega continued devel-                     Pada tahun 2005, Bank Mega terus                        The fee-based income (FBI) booked by                      Pencapaian Fee Based Income (FBI) yang
oping several products and services as an                   mengembangkan berbagai produk dan                       Bank Mega from this division succeeded in                 dibukukan Bank Mega dari bidang ini dini-
effort to provide added value to customers                  layanan sebagai upaya untuk memberikan                  surpassing the target for 2005 while at the               lai berhasil melampaui target tahun 2005
especially in foreign exchange transactions                 value yang lebih kepada nasabah khusus-                 same time recording a fee-based income                    sekaligus menghasilkan fee based income
as well as other treasury products.                         nya dalam transaksi valuta asing maupun                 amounting to Rp. 12 billion, an increase of               sebesar Rp. 12 milyar atau naik sekitar
                                                            produk-produk Treasury lain.                            Rp. 7.7 billion compared to the Rp. 4.3                   Rp. 7,7 milyar dari Rp. 4,3 milyar pada
                                                                                                                    billion recorded in 2004.                                 tahun 2004.




Treasury

     During 2005, Bank Mega continued developing                 Pada tahun 2005, Bank Mega terus mengem-                 In addition to technological development, Bank      kerja yang paperless. Melalui upaya-upaya tersebut,
several products and services as an effort to provide       bangkan berbagai produk dan layanan sebagai             Mega has also invested in human resources by carry-       efisiensi, efektivitas dan produktivitas Treasury bisa
added value to customers especially in foreign              upaya untuk memberikan value yang lebih kepada          ing out several special training courses for employees    terwujud.
exchange transactions as well as other treasury prod-       nasabah khususnya dalam transaksi valuta asing          in the Treasury division. These special training cours-         Di luar pengembangan teknologi, Bank Mega
ucts. This is a follow-up to the implementation of the      maupun produk-produk Treasury lain. Hal tersebut        es are specially designed for employees in branch         juga melakukan investasi di bidang sumber daya
treasury work program that had already been set up          merupakan kelanjutan implementasi program kerja         offices throughout Indonesia.                             manusia dengan menggelar berbagai pelatihan
by Bank Mega in 2004 that put an emphasis on                Treasury yang telah disusun Bank Mega pada tahun              During 2005, products and conventional trans-       khusus untuk karyawan yang bertugas di bidang
infrastructure development and risk management.             2004 yang menitikberatkan pada infrastructure           actions such as trading of foreign currencies (includ-    Treasury. Pelatihan ini khususnya ditujukan bagi
     Developments already implemented by Bank               development dan risk management.                        ing US dollars, Euros, Singapore dollars, Australian      karyawan di kantor-kantor cabang di seluruh wilayah
Mega throughout 2005 included the realization of a               Pengembangan yang telah dicapai Bank Mega          dollars and Japanese), bank notes and remittances         Tanah Air.
Real Time Trading Platform between branches and             sepanjang tahun 2005 adalah terealisasinya Real         were still advantageous for Bank Mega in the                    Pada tahun 2005, produk serta transaksi kon-
Treasury, as well as implementing an integrated sys-        Time Trading Platform antara cabang dengan              Treasury division. These, together with the setting of    vensional seperti perdagangan valuta asing (untuk
tem combining Treasury Front End, Middle End and            Treasury dan berhasil mengimplementasikan sistem        good pricing and with the support of quality service      mata uang Dolar Amerika, Euro, Dolar Singapura,
Back End, which was purchased from a vendor in              terpadu Treasury Front End, Middle End dan Back         from officers in the Treasury division made it possible   Dolar Australia, dan Yen Jepang), bank note dan
Philadelphia, United States. The Treasury system that       End yang dibeli dari vendor di Philadelphia, Amerika    to achieve good growth.                                   remittance tetap menjadi andalan Bank Mega di
was developed is a system that is aimed at support-         Serikat. Sistem Treasury yang dikembangkan adalah             During 2006, Bank Mega will increase its foreign    bidang Treasury, namun penerapan pricing yang
ing the operation of derivative products that will be       sistem yang ditujukan untuk mendukung beroperasi-       currency trading facilities by adding British Pound-      bagus dan didukung oleh pelayanan bermutu dari
marketed in 2006. This is part of Bank Mega’s com-          nya produk-produk derivatif yang akan dipasarkan        sterling and Hong Kong Dollars. With these seven          officer di bidang Treasury mampu menghasilkan
mitment in increasing its amount of new products            pada tahun 2006. Ini merupakan komitmen Bank            major currencies, later Bank Mega will be able to         pertumbuhan yang bagus.
and services in line with developments in the finan-        Mega dalam menambah jenis-jenis produk dan pe-          compete with the large foreign exchange banks in                Pada tahun 2006, Bank Mega akan melengkapi
cial world and customer needs.                              layanan baru sesuai dengan perkembangan dunia           Indonesia.                                                fasilitas perdagangan valuta asing dengan menambah
     This Treasury system which tightly integrates          finansial dan kebutuhan nasabah.                              The Fee-Based Income (FBI) booked by Bank           dua mata uang asing lainnya yaitu Poundsterling dan
front office, middle office and back office together             Sistem Treasury tersebut terintegrasi dari front   Mega from this division succeeded in surpassing the       Hongkong Dollar. Dengan tujuh major currency ter-
with risk management based on Bank Indonesia reg-           office, middle office hingga back office yang sangat    target for 2005 while at the same time recording a        sebut, nantinya Bank Mega mampu bersaing dengan
ulations and the conventions determined under the           erat kaitannya dengan penerapan risk management         fee-based income amounting to Rp. 12 billion, an          bank-bank devisa besar di Indonesia.
BASEL ACCORD II. This paperless Treasury system             berdasarkan Peraturan Bank Indonesia dan ketentu-       increase of Rp. 7.7 billion compared to the Rp. 4.3             Pencapaian Fee Based Income (FBI) yang di-
is the latest product in its class that provides services   an BASEL ACCORD II. Sistem Treasury yang paper-         billion recorded in 2004. This impressive perform-        bukukan Bank Mega dari bidang ini dinilai berhasil
that is rapid, stable and accurate without manual           less merupakan produk terkini di kelasnya sehingga      ance was a result of increased customer confidence        melampaui target tahun 2005 sekaligus menghasil-
intervention.                                               pelayanan semakin cepat, mantap dan akurat tanpa        and hard work by the whole team, backed up by sta-        kan fee based income sebesar Rp. 12 milyar atau
     With this system, funds arriving from overseas         manual intervention.                                    ble business strategies. During 2005, the strategies      naik sekitar Rp. 7,7 milyar dari Rp. 4,3 milyar pada
can be immediately booked by Bank Mega on the                    Dengan sistem yang dimiliki saat ini, dana         implemented by Bank Mega in achieving these               tahun 2004. Tentu saja, prestasi yang menggembi-
same day. At exactly the same time that a customer          yang masuk dari luar negeri langsung bisa dibukukan     extraordinary results included:                           rakan ini merupakan hasil dari meningkatnya keper-
sends funds overseas, Bank Mega can also immedi-            oleh Bank Mega pada hari yang sama. Begitu pula         • Setting good pricing in order to be able to compete     cayaan nasabah dan kerja keras seluruh tim yang
ately remit funds to the correspondent banks on the         ketika nasabah mengirim dana ke luar negeri Bank           with similar products from other banks.                didukung oleh strategi bisnis yang mantap. Pada
same day.                                                   Mega juga langsung bisa membukukan sekaligus            • Launching products after arising the customer           tahun 2005, beberapa strategi yang ditempuh Bank
     Data traffic and all international transactions are    mengirim ke bank koresponden yang dituju pada              demands and needs.                                     Mega dalam mengembangkan sekaligus meraih hasil
recorded electronically and computerized with this          hari yang sama.                                         • Direct selling to Bank Mega customers, both             yang luar biasa antara lain:
modern system. Processes like this make it possible              Lalu lintas data dan semua transaksi internasio-      through head office and branch offices in the          • Penerapan pricing yang bagus sehingga mampu
to create a paperless work environment. Through             nal yang terjadi terekam secara elektronik dan com-        regions.                                                  bersaing dengan produk sejenis dari bank lain.
these efforts, the efficiency, effectiveness and pro-       puterized dengan sistem canggih tersebut. Proses        • Adding connections and networks with overseas           • Melakukan launch produk setelah demand dan
ductivity of the Treasury division can be realized.         seperti ini memungkinkan terciptanya lingkungan            correspondent banks.                                      kebutuhan customer terbangun.



64 | Bank Mega Annual Report 2005                                                                                                                                                                       Bank Mega Annual Report 2005 |   65
BUSINESS REVIEW                                                                                                                                                                                                    BUSINESS REVIEW
Ulasan Bisnis                                                                                                                                                                                                           Ulasan Bisnis




During the first half of 2006, Bank Mega                 Pada semester pertama tahun 2006, Bank                                                                             During 2005, Bank Mega was entrusted
will launch new products. This is aimed at               Mega akan meluncurkan produk-produk                                                                                by a total of 23 issuers to be their trustee
expanding the current range of products                  baru. Peluncuran produk baru tersebut                                                                              in issuing corporate bonds.
and conventional transactions, as well as                bertujuan untuk melengkapi produk dan
at the same time supporting the achieve-                 transaksi konvensional sebelumnya sekali-                                                                          Selama tahun 2005, terdapat 23 emiten
ment of targeted fee-based income from                   gus untuk mendukung pencapaian target                                                                              yang memberikan kepercayaannya kepada
Treasury activities.                                     fee based income dari aktivitas Treasury.                                                                          Bank Mega sebagai wali amanat dalam
                                                                                                                                                                            penerbitan obligasi korporasi.


                                                                                                                Capital Market Services

• Developing new products that are really needed by      • Melakukan direct selling kepada nasabah-nasabah            Steps taken by Bank Mega in order to realize its           Langkah nyata yang ditempuh Bank Mega
  customers.                                               Bank Mega, baik melalui kantor pusat maupun          commitment and also to develop Indonesia’s finan-           untuk mewujudkan komitmen dalam turut serta me-
                                                           kantor cabang di daerah.                             cial sector include providing capital market services.      ngembangkan sektor finansial di Indonesia adalah
      In the future, in order to further increase the    • Menambah koneksi dan jaringan dengan bank-           These include Trustee, Custody, Security Agent and          dengan memberikan layanan jasa di bidang pasar
quality of business in the Treasury division, Bank         bank koresponden di luar negeri.                     Escrow Agent Services.                                      modal. Beberapa pelayanan di bidang tersebut meli-
Mega has already formulated several important            • Mengembangkan produk-produk baru yang                      During 2005, Bank Mega was entrusted by a             puti jasa wali amanat (Trustee), Custody Services,
strategies based on the spirit of the bank’s vision to     memang dibutuhkan oleh nasabah.                      total of 23 issuers to be their trustee in issuing corpo-   Security Agent, dan Escrow Agent.
become one of the Top Ten Banks in Indonesia. The                                                               rate bonds and by 19 customers to manage their                   Selama tahun 2005, terdapat 23 emiten yang
business development strategies for the Treasury               Ke depan, untuk lebih meningkatkan kualitas      portfolios. In addition, Bank Mega was appointed by         memberikan kepercayaannya kepada Bank Mega
division in 2006 include:                                bisnis di bidang Treasury, Bank Mega telah meru-       three companies as their security agent and one             sebagai wali amanat dalam penerbitan obligasi kor-
• Increasing the quality of human resources in the       muskan beberapa strategi penting yang didasari oleh    company as its escrow agent.                                porasi, 19 nasabah telah menyimpan portofolionya,
   Treasury and international banking division by car-   semangat dan visi untuk menjadi Top Ten Bank di              In order to obtain greater trust from the public      3 perusahaan menunjuk menjadi Security Agent dan
   rying out training for all Treasury employees in      Tanah Air. Beberapa strategi pengembangan bisnis       and new customers in the capital market service             1 perusahaan mempercayai Bank Mega sebagai
   every branch office.                                  bidang Treasury pada tahun 2006 antara lain:           sector, service excellence will continue to be Bank         Escrow Agent.
• Developing new products and services to meet           • Meningkatkan kualitas SDM bidang Treasury dan        Mega’s foundation in providing services in the future.           Agar mendapat kepercayaan lebih dari masya-
   the needs of customers in connection with interna-       international banking dengan mengadakan pelatih-                                                                rakat serta nasabah baru di bidang jasa pasar modal,
   tional transactions.                                     an untuk tenaga-tenaga bidang Treasury di seluruh                                                               service excellence akan tetap menjadi landasan
• Launching new products and services during the            kantor cabang.                                                                                                  Bank Mega dalam memberikan pelayanannya di
   first and second quarter.                             • Mengembangkan produk dan layanan baru untuk                                                                      masa mendatang.
• Carrying out promotional programs through the             melengkapi kebutuhan nasabah sehubungan
   mass media, especially print and electronic media.       dengan transaksi-transaksi internasional.
                                                                                                                In order to obtain greater trust from the
                                                         • Meluncurkan produk dan layanan baru pada             public and new customers in the capital
     As one way of realizing the above strategies,          kwartal pertama dan kwartal kedua.                  market service sector, service excellence
during the first half of 2006, Bank Mega will launch     • Melakukan program promosi melalui mass media         will continue to be Bank Mega’s foundation
new products. This is aimed at expanding the cur-           khususnya media cetak dan media elektronik.         in providing services in the future.
rent range of products and conventional transactions,
as well as at the same time supporting the achieve-           Sebagai salah satu bentuk realisasi strategi      Agar mendapat kepercayaan lebih dari
ment of targeted fee-based income from Treasury          di atas, pada semester pertama tahun 2006, Bank        masyarakat serta nasabah baru di bidang
activities. Derivative products aimed at meeting the     Mega akan meluncurkan produk-produk baru.              jasa pasar modal, service excellence
export and import needs of customers, including:         Peluncuran produk baru tersebut bertujuan untuk        akan tetap menjadi landasan Bank Mega
• Foreign Exchange Forwards                              melengkapi produk dan transaksi konvensional se-       dalam memberikan pelayanannya di
• Foreign Exchange Swaps                                 belumnya sekaligus untuk mendukung pencapaian          masa mendatang.
• Foreign Exchange Options                               target fee based income dari aktivitas Treasury.
                                                         Produk-produk derivatif yang ditujukan untuk
                                                         memenuhi kebutuhan nasabah ekspor-impor
                                                         antara lain:
                                                         • Foreign Exchange Forward
                                                         • Foreign Exchange Swap
                                                         • Foreign Exchange Option




66 | Bank Mega Annual Report 2005                                                                                                                                                                    Bank Mega Annual Report 2005 |   67
               S E R V I C E S T R AT E G Y                                                                                                                                                                                         S E R V I C E S T R AT E G Y
               Strategi Pelayanan                                                                                                                                                                                                   Strategi Pelayanan




                                                                          Bank Mega always continues to carry out
                                                                          improvements at providing the best servic-
                                                                          es to its customers. In addition, several of                                                                       Through this SSI, Bank Mega hopes that
                                                                          these activities carried out by Bank Mega                                                                          it will be capable of providing the ultimate
                                                                          also assist in developing potential future                                                                         customer experience that will lead to
                                                                          business.                                                                                                          emotional attachments as well as create
                                                                                                                                                                                             customer loyalty.
                                                                          Bank Mega terus melakukan perbaikan
                                                                          dalam memberikan layanan yang terbaik                                                                              Mengacu pada SSI, Bank Mega berharap
                                                                          pada nasabah. Untuk itu, berbagai upaya                                                                            mampu memberikan ultimate customer
Service Strategy                                                          dilakukan oleh Bank Mega agar terus bisa
                                                                          mengembangkan potensi yang dimiliki
                                                                                                                                                                                             experience yang dapat memunculkan
                                                                                                                                                                                             emotional attachment sehingga tercipta
Strategi Pelayanan                                                        sekaligus memacu perjalanan bisnis.                                                                                customer loyalty.




                     Because it is extremely active in the service              Sebagai industri yang bergerak di bidang jasa         In the future, these efforts will continue to be       nasabah sesuai dengan strategi pelayanan yang
               industry, Bank Mega always continues to carry out          dan pelayanan, Bank Mega terus melakukan per-          increased. For 2006, Bank Mega has already deter-           telah dirumuskan.
               improvements at providing the best services to its         baikan dalam memberikan layanan yang terbaik           mined that the service mission will be: Delivering               Kedepan, upaya tersebut akan terus ditingkat-
               customers. In addition, several of these activities        pada nasabah. Untuk itu, berbagai upaya dilakukan      extraordinary experience & value to customers by            kan. Di tahun 2006, Bank Mega telah menetapkan
               carried out by Bank Mega also assist in developing         oleh Bank Mega agar terus bisa mengembangkan           customization at every possible opportunity & every         misi pelayanan yaitu Delivering extraordinary experi-
               potential future business.                                 potensi yang dimiliki sekaligus memacu perjalanan      point of contact.                                           ence & value to customer by customization at every
                     These efforts also include increasing the num-       bisnis.                                                     In order to ensure the success of this mission,        possible opportunities & every point of contact.
               ber of branch offices as well as at the same time                Salah satu upaya yang dilakukan adalah mela-     Bank Mega has already formulated a strategy in                   Untuk menunjang sukses misi tersebut, Bank
               raising the total amount of employees. These are car-      kukan penambahan jumlah cabang sekaligus jumlah        order to increase the optimal utilization of all physical   Mega juga telah merumuskan strategi yang dijalan-
               ried out because this also influences an increase in       pegawai. Hal ini dilakukan karena akan berpengaruh     elements (products, prices, business processes,             kan yaitu dengan mengoptimalkan serta meningkat-
               the number of bank’s customers. In addition, as a          pada peningkatan jumlah nasabah. Lebih dari itu,       ATMs and Banking Halls) as well as emotional ele-           kan seluruh elemen fisik (produk, harga, business
               bank with personalized and professional service            sebagai bank yang memiliki citra bank dengan pe-       ments in order to achieve the experience desired by         process, ATM, Banking Hall) dan juga elemen emo-
               image, Bank Mega will continue to compete in the           layanan yang personalized dan profesional, Bank        customers. By utilizing this strategy, Bank Mega is         sional agar tercapai pengalaman yang melampaui
               banking world in order to maintain the high level of       Mega terus berupaya untuk tetap dapat eksis dan        convinced that it will be able to build extremely           harapan nasabah. Dengan penerapan strategi terse-
               service competitiveness that has attained during           berkompetisi dalam dunia perbankan yang tingkat        advantageous relationships with customers.                  but Bank Mega yakin akan mampu membangun
               previous years.                                            persaingannya semakin tinggi dengan meningkatkan            Service development efforts for customers would        pola hubungan yang saling menguntungkan
                     Bank Mega is extremely aware of the impor-           prestasi di bidang pelayanan yang sudah dicapai        certainly not be optimal without feedback, criticism        dengan nasabah.
               tance of its customers. This is epitomized by Bank         pada tahun sebelumnya.                                 and advice from customers. These are used as com-                Upaya pengembangan pelayanan pada nasabah
               Mega’s mission Romancing Our Customers &                         Arti pentingnya nasabah sangat disadari oleh     parisons to measure service quality implementation          tentunya tidak akan optimal tanpa adanya umpan
               Communities and Bank Mega’s service strategy for           Bank Mega dan telah dituangkan dalam misi Bank         results with already determined standards of service.       balik dari nasabah baik berupa kritik maupun saran,
               customers as encapsulated in the Bank Mega                 Mega yaitu Romancing Our Customer & Community          For this, Bank Mega will consistently gather feedback       serta pengukuran yang membandingkan hasil imple-
               Strategy Service Intent (SSI). In order to carry out its   dan strategi pelayanan Bank Mega pada nasabahnya       from customers and measure service quality through          mentasi kualitas pelayanan dengan standar pelayan-
               mission and service strategy, the key is getting to        yaitu Mega Strategy Service Intent (SSI). Untuk men-   several programs and activities, including:                 an yang telah ditetapkan. Untuk itu, secara konsisten
               know customers. Because of this, from the start,           jalankan misi dan menjalankan strategi tersebut,                                                                   Bank Mega akan mengumpulkan umpan balik dari
               prior to developing its concept of customer service,       pengenalan nasabah menjadi kuncinya. Oleh karena       1.Service Observations This is a program involving          nasabah dan melakukan pengukuran pencapaian
               Bank Mega first got to know its customers as much          itu, sebagai langkah awal, sebelum mengembangkan         Mystery Shoppers and Mystery Callers carried out          kualitas pelayanan melalui berbagai program/
               as possible. This was done in order to fully under-        konsep dan pelayanan pada nasabah, Bank Mega             on a regular basis every month and organized              aktivitas, seperti :
               stand the needs and hopes of customers in connec-          terlebih dulu melakukan pengenalan pada nasabah          internally by Bank Mega’s Service Quality division.
               tion with financial aspects.                               dengan sebaik-baiknya dan memahami segala kebu-        2.Observation Service & Customer Satisfaction               1.Service Observation Merupakan program Mystery
                     Through this SSI, Bank Mega expects that it will     tuhan dan harapan nasabah khususnya yang ber-            Survey Programs carried out in cooperation with             Shopper dan Mystery Caller yang dilakukan secara
               be capable of providing the ultimate customer expe-        kaitan dengan aspek finansial.                           well-known research institutions.                           berkala setiap bulan dan diselenggarakan secara
               rience that will lead to emotional attachments as well           Mengacu pada SSI, Bank Mega berharap             3.We Listen to You Programs, are a way for                    internal oleh divisi Service Quality Bank Mega.
               as create customer loyalty. In this way, there will be     mampu memberikan ultimate customer experience            customers to provide input, complaints and even           2.Program Service Observation & Customer
               continual and beneficial relationships between Bank        yang dapat memunculkan emotional attachment              praise spontaneously through complaints forms               Satisfaction Survey bekerjasama dengan institusi
               Mega and customers in line with the already formu-         sehingga tercipta customer loyalty. Dengan demikian,     that are available at all branches, or through other        riset ternama.
               lated service strategy.                                    akan terjadi hubungan yang berkesinambungan dan          forms of communication such as via telephone,             3.Program Kami Mendengarkan Anda, merupakan
                                                                          saling menguntungkan antara Bank Mega dengan             fax and email.                                              sarana bagi nasabah untuk memberikan masukan,



               68 | Bank Mega Annual Report 2005                                                                                                                                                                       Bank Mega Annual Report 2005 |      69
S E R V I C E S T R AT E G Y                                                                                                                                                                                       S E R V I C E S T R AT E G Y
Strategi Pelayanan                                                                                                                                                                                                 Strategi Pelayanan




Bank Mega is extremely aware of the                        Arti pentingnya nasabah sangat disadari              b. The Service Difference (Service Skills) Training        bekalan untuk meningkatkan Skill, Knowledge dan
importance of its customers. This is epito-                oleh Bank Mega dan telah dituangkan                     to increase the service skills of frontliners so that   Attitude, seperti:
mized by Bank Mega’s mission Romancing                     dalam misi Bank Mega yaitu Romancing                    they are capable of providing customers with pro-       a. Pelatihan Strategic Service Intent (SSI) untuk
Our Customers & Communities and Bank                       Our Customer & Community dan strategi                   fessional and personalized levels of service.              menyamakan persepsi dan membentuk Attitude
Mega’s service strategy for customers as                   pelayanan Bank Mega pada nasabahnya                  c. Beauty Plus Training programs are specially                yang positif dan mengacu pada budaya pelayanan
encapsulated in the Bank Mega Strategy                     yaitu Mega Strategy Service Intent (SSI).               provided for female personnel in the Customer              yang diharapkan manajemen.
                                                                                                                   Services, Teller and Marketing Office sections.         b. Pelatihan The Service Difference (Service Skills)
Service Intent (SSI).
                                                                                                                   These programs include information about make-             yaitu pelatihan untuk melatih Skill Frontliners agar
                                                                                                                   up and professional skills in order to create better       mampu melayani nasabah dengan professional
                                                                                                                   and more positive personal skills as well as               dan personalized.
                                                                                                                   appearance.                                             c. Beauty Plus Training, pelatihan yang dikhususkan
                                                                                                                d. Service Coaching, for all branches as a way of             bagi para Customer Service, Teller dan Marketing
                                                                                                                   strengthening training programs as well as provid-         Officer mengenai tata cara bermake-up dan berpe-
                                                                                                                   ing additional service knowledge for frontliners in        nampilan yang profesional sehingga akan mencip-
4.Focused Group Discussions, are in-depth interview          keluhan maupun pujian secara spontan baik me-         addition to developing service aspects and increase        takan pribadi-pribadi yang menarik dan positif baik
  programs with customers aimed at measuring the             lalui form-form keluhan yang tersedia di cabang-      customer expectations as regards service needs.            inner maupun appearance.
  quality of Bank Mega service on a qualitative basis        cabang atau melalui saluran komunikasi lain           Service coaching is provided through forum that         d. Service Coaching, untuk seluruh cabang yang
  through listening to customers’ unspoken needs             seperti telepon, faksimili dan email.                 are held on a regular basis so that management             merupakan sarana memperkuat pelatihan-pelatih-
  and hopes.                                               4.Focused Group Discussion, merupakan program           can continually implement service improvements.            an di atas dengan memberikan additional service
5.Service Campaigns, are programs to find out di-            depth interview dengan nasabah yang bertujuan         In addition at these forums, advice is given about         knowledge bagi frontliners seiring dengan perkem-
  rectly the effects or benefits that customers receive.     untuk mengukur kualitas pelayanan Bank Mega           service problems that could occur at branches and          bangan aspek-aspek layanan dan meningkatnya
  For example, all customers opening accounts at             secara kualitatif, menggali unspoken needs dan        ways to ensure that they are not repeated.                 ekspektasi nasabah terhadap kebutuhan layanan.
  Bank Mega receive personalized appreciation let-           kepuasan dari nasabah.                             e. Service Gathering, in cooperation with Duta                Service Coaching merupakan forum yang diseleng-
  ters signed by branch management.                        5.Service Campaign, merupakan program kampa-            Bangsa, is to provide frontliners with opportunities       garakan secara reguler/berkala dimana dalam
6.Service Day Program, shows the real commitment             nye pelayanan yang langsung dapat dirasakan           to develop their individual personalities, communi-        forum ini manajemen dapat terus melakukan ser-
  of head office towards service through leading by          dampak maupun manfaatnya oleh nasabah.                cation skills, table manners and motivation.               vice improvement dan menggali kendala-kendala
  example. This program is supported by all of Bank          Misalnya, nasabah yang membuka rekening di            Forums are held so that frontliners and branch             pelayanan yang terjadi di cabang dan kemudian
  Mega’s management in order to promote better               Bank Mega akan mendapatkan personalized               office service representatives also have the oppor-        menyelesaikan serta mencegah masalah tersebut
  service for customers at branches with the                 appreciation letter yang ditandatangani langsung      tunity to provide feedback to management regard-           agar tidak terulang di kemudian hari.
  purpose of:                                                oleh manajemen cabang.                                ing service implementation, including any               e. Service Gathering, pembekalan bagi frontliners
  • Providing appreciation to customers because            6.Program Service Day, merupakan wujud nyata            obstacles they face.                                       mengenai pengembangan kepribadian, communi-
     they are serviced directly by management.               dari komitmen Kantor Pusat terhadap pelayanan      f. Team Building, as one effort of increasing cooper-         cation skill, table manner dan motivasi bekerjasama
  • Direct communication from management with                (lead by example), dimana pada program ini selu-      ation and strengthening the chain of service at            dengan Duta Bangsa. Forum ini juga merupakan
     customers in order to discover customer expec-          ruh manajemen Bank Mega turut melayani                branches through outbound activities.                      sarana frontliners dan service representative
     tations regarding the quality of Bank Mega              nasabah di cabang dengan tujuan:                                                                                 cabang untuk memberikan feedback maupun me-
     service.                                                • Memberikan apresiasi kepada nasabah karena                                                                     nyampaikan kendala dalam implementasi pelayan-
  • Providing appreciation and indicating manage-               dapat dilayani langsung oleh manajemen.                                                                       an kepada manajemen.
     ment’s commitment to branches through directly          • Sarana komunikasi manajemen dengan nasabah                                                                  f. Team Building, merupakan satu upaya dalam
     helping staff in serving customers.                        dalam menggali ekspektasi nasabah terhadap                                                                    meningkatkan kerjasama dan memperkuat chain
  • Increasing the commitment of all individuals at             kualitas pelayanan Bank Mega.                                                                                 of service di cabang melalui outbond activity.
     Bank Mega to provide the best service to cus-           • Memberikan apresiasi serta menunjukkan ko-
     tomers and increase service culture.                       mitmen manajemen kepada cabang dengan
  • Showing unit leaders the importance of leading              turun langsung membantu staff di cabang
     by example in service implementation at respec-            dalam melayani nasabah.
     tive units.                                             • Meningkatkan komitmen seluruh individu di
                                                                Bank Mega untuk memberikan pelayanan yang
      In addition, Bank Mega also carries out several           terbaik kepada nasabah (meningkatkan budaya
formal and informal training programs in order to               pelayanan).
develop the quality of human resources through pro-          • Menunjukkan kepada para pemimpin unit akan
viding materials to increase Skills, Knowledge and              pentingnya ”lead by example” dalam implemen-
Attitudes, such as:                                             tasi pelayanan di unit kerja masing-masing.
a. Strategic Service Intent (SSI) Training in order
   to assimilate positive perceptions and attitudes            Selain itu, Bank Mega juga melakukan ber-
   to trigger the service culture as expected by           bagai program pelatihan formal dan informal untuk
   management.                                             mengembangkan kualitas SDM dengan materi pem-



70 | Bank Mega Annual Report 2005                                                                                                                                                                     Bank Mega Annual Report 2005 |      71
              O P E R AT I O N A L A N D D E V E L O P M E N T P R O C E S S E S                                                                                                                                  O P E R AT I O N A L A N D D E V E L O P M E N T P R O C E S S E S
              Proses Operasional dan Pengembangan                                                                                                                                                                           Proses Operasional dan Pengembangan




                                                                                   During 2005, in the operational and                          Development System                                   bertujuan melakukan efisiensi dan efektivitas proses
                                                                                   services section, Bank Mega carried out                      With IT support, Bank Mega has already carried       serta mengurangi potensi kesalahan. Beberapa pe-
                                                                                   several important innovations that made                 out several development process systems aimed at          ngembangan sistem yang berhasil dicapai tersebut
                                                                                   the section more stable and being capable               improving efficiency and effectiveness processes as       meliputi:
                                                                                   of meeting customers’ requirements.                     well as reducing potential errors. The development        • Implementasi Sistem Kliring Internal (SKI) di
                                                                                                                                           systems successfully implemented included:                  Centralized Operations Kantor Pusat Non Opera-
                                                                                                                                           • Internal clearing systems (SKI) implementation at         sional (KPNO) yang digunakan untuk melakukan
                                                                                   Pada tahun 2005, di bidang operasional
                                                                                                                                             Head Office Non Operational (KPNO) Centralized            proses kliring, baik incoming atau outgoing
                                                                                   dan pelayanan, Bank Mega telah melaku-
Operational and                                                                    kan berbagai terobosan penting yang mem-
                                                                                                                                             Operations that are utilized for clearing, incoming       sekaligus interface dengan program SKN Bank
                                                                                                                                             and outgoing processes while simultaneously inter-        Indonesia.
Development Processes                                                              buat bidang tersebut semakin mantap dan
                                                                                   bisa diandalkan untuk memenuhi segala
                                                                                                                                             facing with Bank Indonesia’s National Clearing          • Implementasi Sistem Spectrum untuk Treasury
                                                                                                                                             System (SKN-BI) program.                                  Operations.
Proses Operasional dan Pengembangan                                                kebutuhan nasabah.                                      • Implementation of the System Spectrum for               • System Auto Reconcilment untuk penyelesaian
                                                                                                                                             Treasury Operations.                                      transaksi ATM, baik untuk ATM Bersama atau
                                                                                                                                           • Auto Reconciliation System for settling ATM trans-        untuk kerjasama dengan BCA.
                    During 2005, in the operational and services                        Pada tahun 2005, di bidang operasional dan           actions, including those for the joint ATM Bersama      • Selain itu, masih ada beberapa proses pengem-
              section, Bank Mega carried out several important                     pelayanan, Bank Mega telah melakukan berbagai             network as well as those in cooperation with BCA          bangan lain seperti di Loan, Remittance dan Trade
              innovations that made the section more stable and                    terobosan penting yang membuat bidang tersebut            (Bank Central Asia).                                      Operations.
              being capable of meeting customers’ requirements.                    semakin mantap dan bisa diandalkan untuk meme-          • In addition, there were still several other develop-
              These innovations at Bank Mega included the                          nuhi segala kebutuhan nasabah. Beberapa hal yang          ment processes implemented including those in                Pengembangan kualitas Sumber Daya Manusia
              following:                                                           telah dilakukan Bank Mega tersebut antara lain:           Loan, Remittance and Trade Operations.                       di lingkungan operations
                                                                                                                                                                                                          Dalam hal ini, Bank Mega telah melaksanakan
                    Centralization Process                                             Proses Sentralisasi                                      Quality development of human resources in            beberapa pelatihan untuk meningkatkan kualitas
                    This process was a follow-up to the centraliza-                    Proses ini melanjutkan konsep sentralisasi yang          operational areas.                                   SDM di lingkungan operations, baik di cabang atau
              tion concept that was announced back in 2003.                        dicanangkan sejak tahun 2003. Pada tahun 2005,               In this regard, Bank Mega has already carried        di kantor pusat. Pelatihan tersebut meliputi:
              During 2005, Bank Mega carried out several central-                  Bank Mega melakukan beberapa proses sentralisasi        out several training programs to increase the quality     • Training verifikasi dan deteksi dini dokumen palsu
              ization processes aimed at improving efficiency and                  yang bertujuan untuk efisiensi dan standarisasi         of human resources in operational areas, both in             yang mencakup tanda tangan, pemeriksaan format
              standardization processes. These centralization                      proses. Proses sentralisasi dimaksud meliputi:          branches as well as at head office. These training           warkat serta keaslian bank notes.
              processes included:                                                  • Sentralisasi proses Loan Operation untuk konsu-       programs included:                                        • Training International Operations.
              • Standardization process of consumer, commercial                      mer, komersial dan korporasi di wilayah Jakarta,      • Training in verification and pre-detection of false     • Workshop Operations.
                 and corporate Loan Operations in the Jakarta,                       Bandung dan Surabaya.                                    documentation, including signatures, draft formats
                 Bandung and Surabaya regions.                                     • Sentralisasi proses Trade Operations dan Pajak.          and bank notes.                                            Pada tahun 2006, Bank Mega bertekad untuk
              • Standardization process of trade and tax opera-                      Unit kerja sentralisasi wilayah Jakarta berpusat di   • International Operations Training.                      terus melakukan pengembangan proses operasional
                 tions. The centralization work unit for the Jakarta                 Menara Bank Mega, wilayah Surabaya di Kantor          • Operations Workshop.                                    secara berkelanjutan. Efisiensi dan efektivitas menja-
                 region is headquartered at Menara Bank Mega,                        Cabang Kembang Jepun dan untuk wilayah                                                                          di kata kunci di bidang ini. Ke depan, ada beberapa
                 the Surabaya region in the Kembang Jepun branch                     Bandung di Cabang Bandung Supermall.                       During 2006, Bank Mega is determined to contin-      hal yang ingin dicapai oleh Bank Mega, antara lain:
                 office and the Bandung region in the Bandung                                                                              ue its on-going development of operational process-       1. Kualitas Operational Service. Untuk lebih mening-
                 Supermall branch office.                                               Implementasi Sistem Kliring Nasional (SKN)         es. Efficiency and effectiveness are the keywords in         katkan kualitas servis operasional secara akurat
                                                                                        Sesuai peraturan Bank Indonesia, Bank Mega         this division. In the future, there are several areas        dan tepat waktu, maka akan dilakukan review
                   Implementation of                                               telah mengimplementasikan Sistem Kliring Nasional       that Bank Mega wants to implement improvements               pada setiap pencapaian Service Level Agreement
                   National Clearing System (SKN).                                 Bank Indonesia (SKN-BI) dan sistem pendukung            in, including:                                               (SLA) yang ada saat ini.
                   In line with Bank Indonesia (BI) regulations,                   di seluruh Kantor Cabang/Cabang Pembantu Bank           1. Operational Service Quality. In order to increase      2. Pengembangan Sistem. Bank Mega dengan ban-
              Bank Mega has already implemented the Bank                           Mega di wilayah Jakarta, Bekasi dan Jawa Barat.            operational service quality, as well as make it more      tuan unit kerja terkait akan melakukan pengem-
              Indonesia National Clearing System (SKN-BI) as well                                                                             accurate and on time, reviews will be carried out         bangan sistem yang bertujuan untuk efisiensi dan
              as support systems at all Bank Mega branch and                            Koordinator Cash Pooling National                     with regards to all existing Service Level Agree-         efektivitas proses serta mengurangi potensial error
              sub branch offices in the Jakarta, Bekasi and West                        Pada tahun 2005, Bank Mega dipilih Bank               ments (SLAs).                                             yang dapat terjadi. Beberapa proses pengembang-
              Java regions.                                                        Indonesia sebagai salah satu koordinator dari 11 bank   2. Development of Systems. Bank Mega, together               an sistem yang akan dilakukan adalah sebagai
                                                                                   untuk melaksanakan proses Cash National Pooling.           with the assistance of the work units involved, will      berikut:
                   National Cash Pooling Coordinator                               Bank Mega berkewajiban mengkoordinir, memonitor            carry out development of systems in order to              • Incoming & Outgoing Overseas
                   During 2005, Bank Mega was chosen by Bank                       dan melaporkan ke Bank Indonesia mengenai aktivi-          improve efficiency and effectiveness processes as         • Implement SAS - Swift Alliances Starter Set
              Indonesia as the coordinator of 11 banks for carrying                tas kebutuhan dan kelebihan uang tunai di 11 bank          well as reduce potential errors that occur.               • Incoming Sistem Kliring Nasional (SKN)
              out the National Cash Pooling system. Bank Mega                      yang dikoordinir oleh Bank Mega.                           Development of process systems to be carried out          • Intra Web Module Design to monitoring perfor-
              is responsible for coordinating, monitoring and                                                                                 will include the following area:                            mance vendor to handle problem FLM/PM
              reporting to Bank Indonesia regarding excess cash                        Pengembangan Sistem                                    • Incoming & Outgoing Overseas transactions               • ATM Claim & Complain
              requirement activities at the 11 banks coordinated                       Dengan dukungan IT, Bank Mega telah melaku-            • Implementation of Swift Alliances Starter Sets          • Trade Finance System
              by Bank Mega.                                                        kan beberapa proses pengembangan sistem yang               • Incoming National Clearing Systems (SKN)                • SVS


              72 | Bank Mega Annual Report 2005                                                                                                                                                                                        Bank Mega Annual Report 2005 |          73
O P E R AT I O N A L A N D D E V E L O P M E N T P R O C E S S E S
Proses Operasional dan Pengembangan




                                                                     With IT support, Bank Mega has already
                                                                     carried out several development process
                                                                     systems aimed at improving efficiency and
                                                                     effectiveness processes as well as reducing
                                                                     potential errors.

                                                                     Dengan dukungan IT, Bank Mega telah me-
                                                                     lakukan beberapa proses pengembangan
                                                                     sistem yang bertujuan melakukan efisiensi
                                                                     dan efektivitas proses serta mengurangi
                                                                     potensi kesalahan.




                                                                                                                              Curriculum Vitae of
   • Intra Web Module Design to monitor vendor per-                  3. Implementasi Sistem Kliring Nasional (SKN)
      formance in order to handle FLM/PM problems                       di wilayah Jawa Timur dan wilayah lainnya.
   • ATM Claims & Complaints                                            Pengembangan SKN sesuai dengan regulasi Bank
   • Trade Finance System                                               Indonesia bahwa tahun depan akan diimplemen-
   • SVS
3. Implementation of the National Clearing System
   (SKN) in the East Java region and other regions.
                                                                        tasikan SKN di wilayah Jawa Timur dan beberapa
                                                                        wilayah lainnya.
                                                                     4. Melakukan review terhadap proses operasional
                                                                                                                              Board of
                                                                                                                              Commissioners
   The SKN development, in line with Bank Indonesia                     untuk lebih meningkatkan efisiensi dan efektivitas
   regulations, that will be implemented next year will                 dari setiap proses dan juga meningkatkan internal
   be in the East Java region as well as in several                     kontrol di semua lini. Beberapa proses yang akan
   other regions.                                                       dilakukan adalah sebagai berikut:
4. Carrying out of a review into all operational                        • Flow of process dari Loan & Trade Operations.
                                                                                                                              Riwayat Hidup Dewan Komisaris
   processes in order to further increase the efficien-                 • Flow of process di Treasury Operations berkait-
   cy and effectiveness of each process as well as to                       an dengan diimplementasikannya sistem
   increase internal controls on all lines. The process-                    Spectrum di Bank Mega.
   es to be carried out will include:                                5. Menyiapkan proses implementasi MOJF Mirroring
   • Process flow from Loan & Trade Operations.                         sesuai dengan ketentuan Bank Indonesia.
   • Process flow in Treasury Operations, in connec-                 6. Pengembangan kualitas Sumber Daya Manusia di
      tion with the implementation of the Spectrum                      lingkungan operation dengan menggelar workshop
      System at Bank Mega.                                              operation, rotasi atau mutasi di lingkungan pejabat
5. Preparation of the MOJF Mirroring implementation                     operasional dan lain sebagainya.
   process in line with Bank Indonesia regulations.
6. Quality development of human resources in opera-
   tional areas including presentation of workshop
   operations and the rotation of employees in opera-
   tional and other areas.




During 2006, Bank Mega is determined                                 Pada tahun 2006, Bank Mega bertekad
to continue its on-going development                                 untuk terus melakukan pengembangan
of operational processes. Efficiency and                             proses operasional secara berkelanjutan.
effectiveness are the keywords in this                               Efisiensi dan efektivitas menjadi kata
division.                                                            kunci di bidang ini.




74 | Bank Mega Annual Report 2005
C U R R I C U L U M V I TA E O F B O A R D O F C O M M I S S I O N E R S                                                                                                                                                  C U R R I C U L U M V I TA E O F B O A R D O F C O M M I S S I O N E R S
Riwayat Hidup Dewan Komisaris                                                                                                                                                                                                                       Riwayat Hidup Dewan Komisaris




Chairul Tanjung                                                            Gen. TNI (Rtd.) Rudini (deceased)                                   Achjadi Ranuwisastra                                           Rachmat Maulana
CHAIRMAN                                                                   COMMISSIONER                                                        COMMISSIONER                                                   COMMISSIONER

Address                    :   Menteng, Central Jakarta                    Address               :   Fatmawati, South Jakarta                  Address               :   Cipete Raya, South Jakarta           Address                  :   Cinere, South Jakarta
Place/Date of Birth        :   Jakarta, June 18th, 1962                    Place/Date of Birth   :   Malang, December 15th, 1929               Place/Date of Birth   :   Kebumen, March 1st, 1944             Place/Date of Birth      :   Jakarta, April 14th, 1950
Nationality                :   Indonesian                                  Nationality           :   Indonesian                                Nationality           :   Indonesian                           Nationality              :   Indonesian
Religion                   :   Moslem                                      Religion              :   Moslem                                    Religion              :   Moslem                               Religion                 :   Moslem

Education                                                                  Education                                                           Education                                                      Education
• Faculty of Dentistry, University of Indonesia, 1981-1987                 • Military-KMA Academy Breda, Holland                               • Faculty of Corporate Economics, Padjadjaran University,      • Faculty of Business Administration, Jakarta University,
• Executive MBA at IPPM, 1992-1993                                         • International Defense Resources Management, Naval Post              Bandung, 1968                                                  1979 (S1)
                                                                             Graduate School, Monterey, USA                                    • Fourth Seminar for Retail Banking and Electronic Financial   • Loan Officer Development, Atened De Manila University
Work Experience                                                            • 14th Regular Course at LEMHANAS                                     Services, the Financial Times Conference Organization,         Manila, 1982
1983-1985       Managing Director, CV. Abadi Medical and                                                                                         London, 1985                                                 • Bourse Game, Citibank N.A., Jakarta, 1986
                Dental Supply                                              Work Experience                                                     • Euromoney Seminar “Revolution in Foreign Exchange Dealing    • Short Monetary Course, LPPI, Jakarta, 1988
1985-1988       Contractor for government and private sector               1956-1958         Platoon 518 Commander                               Markets,” London, 1985                                       • Credit Risk Management, IBF, Singapore, 1990
                projects                                                   1966-1969         Battalion 401/L Commander                         • MIT Program for Senior Executives, Boston, USA, 1989         • Pacific Rim Bankers Program, University of Washington,
1986-1988       Head of the Thalasemia Nursing Unit                        1972-1975         Brigade 18/L Commander                            • Seminar for Megatrends 2000, Jakarta, 1990                     Seattle, USA, 1992
                Development Project at the RSCM Hospital,                  1978-1981         Merdeka Military Area Commander                   • Educational Course XXIV LEMHANAS, Jakarta, 1991-1992         • Program MM, Airlangga University, Surabaya, 1996 (S2)
                Jakarta                                                    1981-1983         Commander of Army Strategic Reserves              • Manager Workshop, UOB, Singapore, 1992                       • Risk Management in Banks, IBF, Singapore, 1997
1996-Present    Chairman, PT. Bank Mega Tbk.                               1983-1986         Army Chief of Staff                               • Executive Program for Risk Management Certification of       • Executive Program for Risk Management Certification of
2001-Present    Chairman, PT. Televisi Transformasi Indonesia              1988-1993         Minister of Home Affairs                            Public Banks (BSMR), Bangkok, 2005                             Public Banks (BSMR), Hong Kong, 2005
                                                                           1989-Present      General Chairman of LPSI
                                                                           1999-2000         Chairman of KPU (General Election Commission)     Work Experience                                                Work Experience
                                                                           1999-Present      Commissioner, PT. Bank Mega Tbk.                  1969-1992         Management Employee, Bank Exim               1973-1975           Staff, Sundries Section, Citibank, Jakarta
                                                                                                                                               1992-1997         Director, Bank Exim                          1975-1979           Staff, Transfer Section, Citibank, Jakarta
                                                                                                                                               1997-1998         Vice President Commissioner, Bank Danamon    1979-1980           Staff. Personnel Section, Citibank
                                                                           In Memoriam                                                         1997-1998         Commissioner, PT. Bank Mega Tbk.             1980-1985           Sub Manager Corporate Finance, PT. Finconesia
                                                                           All members of Bank Mega’s Board of Commissioners, the Board of     1998-2004         President Director, PT. Bank Mega Tbk.       1985-1989           Branch Manager Bank Pacific Hilton
                                                                           Directors and all the bank’s employees commemorate the memory of    2004-Present      Commissioner, PT. Bank Mega Tbk.             1989-1990           Branch Manager, Bank International
                                                                           TNI General (retired) Rudini (deceased)                                                                                                                Indonesia, Bandung
                                                                                                                                                                                                              1990-1991           Area Manager for the West Java Region,
                                                                           Who passed away on Saturday January 21st, 2006, at the Pondok                                                                                          Bank International Indonesia
                                                                           Indah Hospital, Jakarta. May his soul be received by God Almighty                                                                  1991-1996           Area Manager for the East Java and
                                                                           and may the members of family who are left behind possess strong                                                                                       Eastern Indonesia regions,
                                                                           faith and resoluteness. Amen.                                                                                                                          Bank International Indonesia
                                                                                                                                                                                                              1996-1997           Director, Fuji Bank International Indonesia
                                                                                                                                                                                                              1997                Commercial Director Bank Nasional
                                                                                                                                                                                                              1998-2005           Corporate & Commercial Director,
                                                                                                                                                                                                                                  PT. Bank Mega Tbk.
                                                                                                                                                                                                              2005-Present        Commissioner, PT. Bank Mega Tbk.




76 | Bank Mega Annual Report 2005                                                                                                                                                                                                                     Bank Mega Annual Report 2005 |         77
                                                                                                                    C U R R I C U L U M V I TA E O F B O A R D O F D I R E C T O R S
                                                                                                                                          Riwayat Hidup Dewan Direksi




                              Yungky Setiawan                                                      Beny Witjaksono
                              PRESIDENT DIRECTOR                                                   DIRECTOR OF I.T. & OPERATION

                              Address               :   Kebon Jeruk, West Jakarta                  Address                    :   Cilandak, South Jakarta




Curriculum Vitae of
                              Place/Date of Birth   :   Jakarta, December 29th, 1962               Place/Date of Birth        :   Jember, October 10th, 1964
                              Nationality           :   Indonesian                                 Nationality                :   Indonesian
                              Religion              :   Christian                                  Religion                   :   Moslem


                              Education                                                            Education



Board of Directors            • Bsc. Business Administration, City University, Canada, 1986
                              • Competitive Marketing Strategies for Banks, Center Institute of
                                Technology, Christopher D. Batt & Alberto Lapuz, 1990
                              • The 4th Bankers Seminar: Japanese Retail Banks; Strategies,
                                                                                                   • Faculty of Agriculture, Jember University,1987
                                                                                                   • Credit Training Scheme, IBF Singapore, 1991
                                                                                                   • Corporate Finance Course, IBF Singapore, 1991
                                                                                                   • Workshop on The Leader Quality Control Circle, UOB
                                                                                                     Singapore, 1992
                                Osaka Bankers Association, Japan, 1993
Riwayat Hidup Dewan Direksi   • 2nd International Financial Services Convention for Asia,          • Core Credit, Citibank, Singapore, 1993
                                Lafferty Group, Singapore, 1995                                    • Master of Management in Marketing, STIE IPWI, Jakarta, 1995
                              • The Asia Pacific Call Centers Conference and Exhibition,           • International IBM User Conference, Melbourne,
                                AIC Conference Pte Ltd, Singapore, 1996                              Australia, 1998
                              • Strategic Marketing Management, Harvard Business School,           • International Exhibition on Financial Banking Technology And
                                1997                                                                 Equipment , Beijing 2001
                              • The Financial Coliseum, Sydney, Australia, 1999                    • Operational Risk Management, Marcus Evans, Manila, 2003
                              • Lafferty Cyber Forum Asia Summit, Kuala Lumpur, 2000               • IBM CEO Summit, Singapore, 2003
                              • Strategic Marketing & Planning, University of Michigan             • Business Transformation for Growth, IBM Executive Forum,
                                Business School, Hongkong, 2003                                      Bangkok 2004
                              • Risk Management Certification Program, IRPA & ABN Amro,            • Risk Management Certification, BSMR 2005
                                Hong Kong, 2004
                              • 37th Annual Meeting Asian Development Bank, Jeju Island -          Work Experience
                                South Korea, 2004                                                  1989-1995       Bank Exim, Credit, Foreign Exchange,
                                                                                                                   Export Import Section
                              Work Experience                                                      1994-1995       Assistant Managing Director, PARA Group
                              1986-1987       Assistant Manager, Sales and Distribution Section,   1995-1997       Director, Para Multifinance
                                              PT. Sudhi Mitra (Licensee of Kimberly Clark          1995-1997       Coordinator of Mega Bank Rescue Team
                                              Corporation)                                         1997-1998       Director, PT. Bank Mega
                              1987-1988       Assistant Manager, Sales Section, PT. Richardson     1999-2003       Director of Treasury, IT & Operations,
                                              Vicks Indonesia (Procter & Gamble Indonesia)                         PT. Bank Mega Tbk.
                              1988-1989       Product & Development Executive, Consumer            2004-Present    Director of IT & Operations, PT. Bank Mega Tbk.
                                              Division, PT. Burroughs Wellcome Indonesia
                              1989-1990       Card Marketing Manager, Card Center,                 Organizations
                                              Bank Danamon Indonesia                               2000-2002         Member of the Promissory Note Trading Committee,
                              1990-1992       Senior Manager/Assistant Vice President,                               Surabaya Stock Exchange
                                              Product Development and Management Division,         2002-2004         Secretary of State Promissory Note Traders
                                              Bank Danamon Indonesia                                                 Association (HIMDASUN)
                              1992-1995       Deputy General Manager/Senior Assistant Vice         2004-Present      Member of the Supervisory Board of (HIMDASUN)
                                              President, Branch Banking Division,
                                              Bank Danamon Indonesia
                              1995-1997       General Manager/Vice President, Product and
                                              Service Development, Bank Danamon Indonesia
                              1997 (Mar-Sept) General Manager/Senior Vice President,
                                              PT. Danamon Sanggrahan, concurrently President
                                              Director, PT. Danamon Kreasi Pariwara
                              1997 (Sept-Dec) Marketing Director, PT. Danamon Asuransi
                              1998-2004       Director Retail Banking, PT. Bank Mega Tbk.
                              2004-Present    President Director, PT. Bank Mega Tbk.




                                                                                                                                        Bank Mega Annual Report 2005 |         79
C U R R I C U L U M V I TA E O F B O A R D O F D I R E C T O R S                                                                                                                                                             C U R R I C U L U M V I TA E O F B O A R D O F D I R E C T O R S
Riwayat Hidup Dewan Direksi                                                                                                                                                                                                                        Riwayat Hidup Dewan Direksi




Suwartini                                                          Louis Sudarmana                                                       Kostaman Thayib                                                    Daniel Budirahaju
DIRECTOR OF H.R. & COMPLIANCE                                      DIRECTOR OF TREASURY & INTERNATIONAL BANKING                          DIRECTOR OF RETAIL BANKING                                         DIRECTOR OF CORPORATE & COMMERCIAL BANKING

Address                    :   Kemang, South Jakarta               Address               :   Kelapa Gading, North Jakarta                Address               :   Bekasi                                   Address               :   Kembangan, Jakarta Barat
Place/Date of Birth        :   Prabumulih, March 13th, 1953        Place/Date of Birth   :   Semarang, November 5th, 1958                Place/Date of Birth   :   Palembang, November 1st, 1962            Place/Date of Birth   :   Jakarta, October 11th, 1952
Nationality                :   Indonesian                          Nationality           :   Indonesian                                  Nationality           :   Indonesian                               Nationality           :   Indonesian
Religion                   :   Moslem                              Religion              :   Catholic                                    Religion              :   Catholic                                 Religion              :   Christian

Education                                                          Education                                                             Education                                                          Education
• Master of Business Administration, Century University,           • B. Eng. (Chemical), Univeristy Of New South Wales, Australia        • Chartered Financial Consultant (CHFC), Singapore College of      • Bachelor of Business Administration, Marketing And International
  New Mexico                                                       • Diploma, Mortgage Lending, Securities Institute of Australia          Insurance                                                          Trade, Technical College of Cologne, Germany, 1982
• Risk Management Certification Group Iii, Bank Indonesia and      • Financial Planning, Financial Planning Association of               • Chartered Financial Underwriter (CLU), Singapore College of      • Japanese Bankers Strategies for Corporate Banking, The Osaka
  IRPA Amsterdam                                                     Australia, Melbourne, Australia                                       Insurance                                                          Bankers Association, Osaka/Japan, 1994
• Compliance Directors Functions and Duties Workshop,              • Batch and Furnance Training, Australian Consolidated                • Master of Business Administration, Portland State University,    • Core Bank Executive Management Seminar, Bank Of America
  IBI Jakarta                                                        Industries, Sydney                                                    Oregon-USA                                                         NT & SA, San Francisco/USA0, 1995
• Directors of Compliance Workshop, IBI Jakarta                    • The Financial Markets Introduction Course, Bank of America,         • Master of Science, Portland State University, Oregon-USA         • Advance Management Program For Overseas Bankers,
• Senior Executive Conference on Leading Productive Change,          Singapore                                                           • Degree in Technical Electronics, Faculty of Industrial             The Wharton School, University Of Pennsylvania, Philadelphia/
  a Principle Approach to Organizational Change, Utah, USA         • Corbank Executive Management, Bank of America,                        Technology, Trisakti University, Jakarta                           USA, 2000
• Condition and Regulation of Go Public IPO, JSX                     San Fransisco                                                       • ABUG ’96 Conference & the Base 24 User Group - AIC -             • Risk Management Certification, BSMR 2005
• Understanding ISO 9000 and Quality System Documentation          • Sespibank, IBI, Jakarta                                               Sing, Australince, AIC Conferences, Singapore
  Training, Premysis Consulting                                    • The International Strategic Banker, Standard Chartered Bank, Bali   • Asia Card Conference, AIC Conferences, Singapore                 Work Experience
• Financial and Securities Market, IGFS                            • Risk Management Certification, BSMR 2005                            • Smart Cards - Asia ’95, IBC Conferences, Australia               1982-1984       Management Trainee, European Asian Bank,
• Private Debt Market Development, Winplus International                                                                                 • Picmet ’92, Portland State University, Oregon-USA                                Hamburg
                                                                   Work Experience                                                       • Card and Payment Conference, AIC Conferences, Singapore          1984-1986       Deputy Head Of Bills, Deutsche Bank, Jakarta
Work Experience                                                    1980-1983       Batch & Furnace Manager, PT. Kangar                   • Mobile - Commerce Word Asia 2002, Terrapinn, Singapore           1986-1989       Head of Credit Administration, Deutsche Bank,
1978-1992       UNHCR (United Nation High Commissioner                             Consolidated Industries                               • Retail Finance Conference and Expo, Lafferty, London                             Jakarta
                Refugees) as Senior Personnel Administration and   1985-1990       Second Vice President, Bank of America                • McKinsey’s European Retail Banking, McKinsey, German             1989-1991       Branch Manager, Bank Central Asia
                Finance Officer                                    1990-1998       General Manager Treasury and International,           • Retail Finance Asia Pacific Conference and Expo 2003, BAI        1991-2000       Head of Senior Regional Manager, Bank Central Asia
1992-1995       Bank Bepede Indonesia, as Assistant Director                       PT. Bank Danamon Indonesia                              and Lafferty, Singapore                                          2000-2003       Head of Corporate Banking, Bank Central Asia
                (Assistant to the Board)                           1998-1999       Head of Treasury, PT. Rabobank Duta Indonesia         • Certified Wealth Management (CWM), Maesa Consulting,             2003-2005       Independent Consultant in Toronto, Canada
1995-1998       PT. Hastin International Bank, as Head of HR and   2000-2004       Account Manager, Personal Finance Service,              Jakarta, 2005                                                    2005-Present    Director of Corporate & Commercial Banking,
                Public Affairs Divisions (Senior Vice President)                   HSBC Australia Ltd.                                   • Risk Management Certification, BSMR 2005                                         PT. Bank Mega Tbk.
1998-2000       Head of HR and Public Affairs Divisions,           2004-Present    Director of Treasury & International Banking,
                Corporate Secretary PT. Bank Mega Tbk.                             PT. Bank Mega Tbk.                                    Work Experience
                (Senior Vice President)                                                                                                  1987-1989       Operational Manager, PT. Program Pendidikan
2000-Present    HR & Compliance Director, PT Bank Mega Tbk.                                                                                              Teknologi Komputer
                                                                                                                                         1988-1989       Engineer, PT. Unixindo Rekakarya
Organizations                                                                                                                            1989            LAN Engineer, PT. AI Technology
• Adviser to FKDKP (the Communication Forum for Banking                                                                                  1990-1991       Graduate Assistant, Portland State University
  Compliance Directors)                                                                                                                  1992-2002       Bank Central Asia/BCA, final position as Deputy
• Chairman of the Communications Section - Indonesian                                                                                                    Division Head of Consumer Banking
  Bankers Association                                                                                                                    2002-2003       Bank Mandiri, final position as Senior Vice
• Supervisory Board of the Indonesian Audit Professionals                                                                                                President & Group Head Consumer of Liabilities &
                                                                                                                                                         Electronic Banking
                                                                                                                                         2003-2004       President Commissioner, PT. Axa Mandiri
                                                                                                                                                         Financial Services
                                                                                                                                         2004-Present    Director of Retail Banking, PT. Bank Mega Tbk.




80 | Bank Mega Annual Report 2005                                                                                                                                                                                                                Bank Mega Annual Report 2005 |         81
  O R G A N I Z AT I O N S T R U C T U R E                                                                                                                                     O R G A N I Z AT I O N S T R U C T U R E
  Struktur Organisasi                                                                                                                                                                     Struktur Organisasi




                                                                                      Board of
                                                                                    Commissioner
                                                                                                                Organization Structure
                                                                                                                Struktur Organisasi

                                                                                  President Director


                     Steering Committees:
          Credit, ALMA, Human Resources, IT, Service




                                                Director of                                                                Director of
   Director of                                 Corporate and                  Director of                                                             Director of
                                                                                                                          Treasury and
 Retail Banking                              Commercial Banking            IT and Operation                                                       HR and Compliance
                                                                                                                     International Banking



   Retail Banking                            Corporate and Commercial       IT and Operation
    Group Head                                 Banking Group Head             Group Head                                                                                                         SKAI



     Branch Banking                                 Supply Chain                 IT Services                                  Treasury               Human Resource
                                                                                                                                                                                      Risk Management
         Division                                  Banking Division                Division                                   Division               Operation Division


      Service Quality                          Indirect Retail Financing       IT Development                          Capital Market Services          Development                  Corporate Secretary
         Division                                       Division                   Division                                    Division                 and Training                      Division
                                                                                                                                                          Division

Liabilities and Fee Based                                                    Operation Services                       International Banking and       General Affairs
                                                 Commercial Banking                                                                                                                             Legal
    Product Division                                                              Division                               Financial Institution       Operation Division
                                                     Division                                                                                                                                  Division
                                                                                                                                Division

      Consumer Loan                             Business and Product       Operation Development                                                       General Affairs               Credit Restructuring
         Division                                   Development                    Division                                                          Asset Management                      Division
                                                      Division                                                                                             Division

                                                                               Credit Support                                                       Compliance and Good
  E - Banking Division                            Corporate Banking                                                                                                                       Credit Review
                                                                                 and Policy                                                         Corporate Governance
                                                       Division                                                                                                                              Division
                                                                                  Division


   Corporate Funding                                Special Asset          Financial Management                                                         Organization
        Division                                    Management                    Division                                                        Development and Change
                                                      Division                                                                                       Management Team

      Promotion and
                                                                                                                                                          Special Unit
      Communication
                                                                                                Regional                                                     ‘KYC’
         Division

                                                                                                Cluster
     Card Center
     Group Head

                                                                                                    Branch
            Card Center
              Division                                                                            Cash Office




  82 | Bank Mega Annual Report 2005                                                                                                                                        Bank Mega Annual Report 2005 |         83
             SHAREHOLDERS COMPOSITION                                                                                                                                                                                                        HISTORY
             Komposisi Pemegang Saham                                                                                                                                                                                                         Sejarah




    PT. PARA INTI HOLDINDO                                             PT. Bank Mega Tbk. Share Ownership                             During 2003, the shares of PT. Bank Mega Tbk.            Selanjutnya terjadi perdagangan saham PT. Bank
                                                                       (As of Desember 31, 2005)                                  were traded, resulting in a change in the composi-        Mega Tbk. selama tahun 2003 sehingga mengakibat-
 Chairul Tanjung             97,60%                                                                                               tion of share ownership, as follows:                      kan perubahan kepemilikan saham menjadi:
                                                                       Kepemilikan Saham PT. Bank Mega Tbk.
 Anita Ratnasari              1,60%                                                                                               • PT. PARA GLOBAL INVESTINDO : 64,51 %                    • PT. PARA GLOBAL INVESTINDO : 64,51 %
                                                                       (Per 31 Desember 2005)
 Chairal Tanjung              0,16%                                                                                               • PT. TRIMEGAH SEKURITAS              : 6,69 %            • PT. TRIMEGAH SEKURITAS            : 6,69 %
 Chairil Tanjung              0,16%                                                                                               • GENERAL PUBLIC                      : 28,80 %           • MASYARAKAT                        : 28,80 %
 Selvi Tanjung                0,16%
 Lukman Hakim Tanjung         0,16%                                                                                                   During 2004, the shares of PT. Bank Mega Tbk.             Selama tahun 2004 terjadi perdagangan saham
 Oki Hertian Tanjung          0,16%                                                                                               were traded, resulting in a change in the composi-        PT. Bank Mega Tbk. sehingga mengakibatkan
                                                  PT. PARA GLOBAL INVESTINDO                      PT. BANK MEGA Tbk.              tion of share ownership, as follows:                      perubahan kepemilikan saham menjadi :
                                                                                                                                  • PT. PARA GLOBAL INVESTINDO : 57,28 %                    • PT. PARA GLOBAL INVESTINDO : 57,28 %
   PT. PARA REKAN INVESTAMA                      PT. Para Inti Holdindo      99,99%         PT. Para Global Investindo   57,28%   • GENERAL PUBLIC                      : 42,72 %           • MASYARAKAT                        : 42,72 %
                                                 PT. Para Rekan Investama     0,01%         Masyarakat                   42,72%
 Chairul Tanjung             92,60%
 Anita Ratnasari              1,60%
 Chairal Tanjung              1,16%                                                                                               The performance of Bank Mega shares during 2005 can be seen in the table below:
 Chairil Tanjung              1,16%                                                                                               Adapun kinerja perdagangan saham Bank Mega selama tahun 2005 dapat terlihat pada tabel di bawah ini:
 Selvi Tanjung                1,16%
 Lukman Hakim Tanjung         1,16%                                                                                                                                   PERFORMANCE OF BANK MEGA SHARES DURING 2005
 Oki Hertian Tanjung          1,16%                                                                                                                                                 Kinerja Saham Bank Mega 2005

                                                                                                                                    Code      Opening         Highest        Lowest          Closing      Change         Volume                   Value       Freq.
                                                                                                                                    Kode     Pembukaan        Tertinggi      Terendah       Penutupan    Perubahan        Volume                      Nilai   Frek.


Shareholders Composition                                                                                                           MEGA      Rp. 1,950       Rp. 2,500      Rp. 1,150       Rp. 2,050     Rp. 100      5,022,500         Rp. 9,517,447,500    763

Komposisi Pemegang Saham




                 After selling the company’s shares to the public                Setelah melakukan penjualan saham perseroan
             through an initial public offering based the Deed No.          kepada masyarakat dengan cara penawaran umum
             15 Amending the Company’s Articles of Association
             No. 15 dated April 17th, 2000, made in the pres-
                                                                            melalui Pasar Modal (Go Public) maka berdasarkan
                                                                            Akta Perubahan Anggaran Dasar Perseroan No. 15
                                                                                                                                  History
             ence of Nila Noordjasmani Soeyasa Besar SH,                    tertanggal 17 April 2000 yang dibuat di hadapan       Sejarah
             replacing Imas Fatimah SH Public Notary in Jakarta,            Nila Noordjasmani Soeyasa Besar, SH pengganti dari
             the composition of the share ownership of PT. Bank             Imas Fatimah, SH Notaris di Jakarta, susunan dan
             Mega Tbk. was as follows:                                      kepemilikan saham PT. Bank Mega Tbk. sebagai
             • PT. PARA GLOBAL INVESTINDO : 79,99 %                         berikut:                                                     Starting from a family-owned business named             Berawal dari sebuah usaha milik keluarga ber-
             • PT. PARA REKAN INVESTAMA             : 0,01 %                • PT. PARA GLOBAL INVESTINDO : 79,99 %                PT. Bank Karman, which was established in 1969            nama PT. Bank Karman yang didirikan pada tahun
             • GENERAL PUBLIC                       : 20,00 %               • PT. PARA REKAN INVESTAMA           : 0,01 %         and domiciled in Surabaya, in 1992 the name was           1969 berkedudukan di Surabaya, selanjutnya pada
                                                                            • MASYARAKAT                         : 20,00 %        changed to PT. Mega Bank and the Head Office was          tahun 1992 berubah nama menjadi PT. Mega Bank
                  Based on meeting resolutions as declared in                                                                     relocated to Jakarta. In line with the bank’s develop-    dan melakukan relokasi Kantor Pusat ke Jakarta.
             Deed No. 34 dated May 22th, 2002, made in the                      Berdasarkan keputusan rapat sebagaimana           ment, in 1996 PT. Mega Bank was taken over by the         Seiring dengan perkembangannya PT. Mega Bank
             presence of Imas Fatimah SH Public Notary in                   ditentukan dalam Akta Nomor 34 tanggal 22 Mei         PARA GROUP (PT. Para Global Investindo and PT.            pada tahun 1996 diambil alih oleh PARA GROUP
             Jakarta, the Company held Limited Right Issue I.               2002, yang dibuat oleh Imas Fatimah SH, Notaris di    Para Rekan Investama). To further increase the            (PT. Para Global Investindo dan PT. Para Rekan
             This resulted in amendments to the Articles of                 Jakarta, Perseroan telah mengadakan Penawaran         image of PT. Mega Bank, in June 1997 a change of          Investama). Untuk lebih meningkatkan citra PT.
             Association as declared in the Deed Amending the               Terbatas I (Right Issue) yang mengakibatkan           logo was carried out with the aim of becoming better      Mega Bank, pada bulan Juni 1997 melakukan peru-
             Company’s Articles of Association No. 18 dated July            perubahan Anggaran Dasar sebagaimana ternyata         known as a financial institution trusted by the general   bahan logo dengan tujuan bahwa sebagai lembaga
             15th, 2003, made in the presence of the same pub-              dalam Akte Perubahan Anggaran Dasar Nomor 18          public through the new corporate logo. In 2000, the       keuangan kepercayaan masyarakat, akan lebih
             lic notary. Because of this, there was a change in the         tanggal 15 Juli 2003 yang dibuat oleh notaris yang    bank’s name was changed from PT. Mega Bank to             mudah dikenal melalui logo perusahaan yang baru
             composition of the share ownership of PT. Bank                 sama dengan susunan dan kepemilikan pemegang          PT. Bank Mega. To strengthen its capital structure, in    tersebut. Pada tahun 2000 melakukan perubahan
             Mega Tbk., as follows:                                         saham PT. Bank Mega Tbk. menjadi sebagai              the same year PT. Bank Mega carried out an Initial        nama dari PT. Mega Bank menjadi PT. Bank Mega.
             • PT. PARA GLOBAL INVESTINDO : 64,51 %                         berikut:                                              Public Offering by offering some of the bank’s shares     Dalam rangka memperkuat struktur permodalan
             • PT. MANDIRI SEKURITAS                : 19,33 %               • PT. PARA GLOBAL INVESTINDO : 64,51 %                to the general public. The bank’s name was then           maka pada tahun yang sama PT. Bank Mega melak-
             • GENERAL PUBLIC                       : 16,16 %               • PT. MANDIRI SEKURITAS              : 19,33 %        changed to PT. Bank Mega Tbk. Now, PT. Bank               sanakan Initial Public Offering dengan menawarkan
                                                                            • MASYARAKAT                         : 16,16 %        Mega Tbk. has already received a license from Bank        saham kepada masyarakat, dengan demikian seba-


             84 | Bank Mega Annual Report 2005                                                                                                                                                                       Bank Mega Annual Report 2005 |   85
HISTORY                                                                                                                                                                                                              OUR PRODUCTS
Sejarah                                                                                                                                                                                                                 Produk Kami




Indonesia as a Foreign Exchange Bank allowing the          gian saham PT. Bank Mega dimiliki oleh publik dan
bank to expand its business even further.                  berubah namanya menjadi PT. Bank Mega Tbk.              Our Products
      PT. Bank Mega Tbk., with its motto “Mega is          Saat ini PT. Bank Mega Tbk. telah mendapatkan ijin
                                                                                                                   Produk Kami
Your Destination,” has grown rapidly and carefully to      dari Bank Indonesia sebagai Bank Devisa sehingga
become a well-known financial instutition able to take     memungkinkan memperluas dan menjangkau bisnis
its place with respected banks in the Asia Pacific         yang lebih luas lagi.
region. The bank has already been presented with                 PT. Bank Mega Tbk. yang bersemboyan “Mega
several awards at the national, regional and even          Tujuan Anda” tumbuh dengan pesat dan terkendali
international level. In its efforts to create a level of   serta menjadi lembaga keuangan ternama yang             Savings, Deposit and Current Accounts               • Mega Medika
performance in line with the name that it bears, PT.       mampu disejajarkan dengan bank-bank terkemuka           Simpanan                                              Medical Professional Loan
Bank Mega Tbk. adheres to the principles of profes-        di Asia Pasifik dan telah mendapatkan berbagai          • Mega Dana Saving Account                          • Mega Implant
sionalism, transparency and prudence. The bank             penghargaan dan prestasi baik di tingkat nasional,      • Mega Maxi Saving Account at Competitive Rate        Implant Banking Program
also has a strong capital structure as well as the lat-    regional maupun internasional. Dalam upaya mewu-        • Mega Dollar US and SIN Dollar Saving Account      • Pembiayaan Fasilitas Ekspor-Impor
est products and structures. Up to now, PT. Bank           judkan kinerja sesuai dengan nama yang disandang-       • Mega Pro Individual Current Account                 Trade Finance Facility
Mega Tbk. has a total of 120 offices in its network,                                                               • Mega Bisnis Business Entity Current Account       • Kredit Modal Kerja Mega Inventory Financing
                                                           nya, PT. Bank Mega Tbk. berpegang pada azas pro-
                                                                                                                   • Mega Optima Current Account at Competitive Rate     Automotive
made up of branch offices, sub branch offices and          fesionalisme, keterbukaan dan kehati-hatian dengan
                                                                                                                   • Mega Giro Valas US & SIN Dollar Current Account   • Kredit Modal Kerja Mega Inventory Financing
cash offices in almost all the largest cities in           struktur permodalan yang kuat serta produk dan
                                                                                                                   • Mega Depo Time Deposit                              Consumer Goods
Indonesia as well as one Priority Banking office.          fasilitas perbankan terkini. Hingga saat ini PT. Bank   • Mega DOC On Call Deposit
      In carrying out its business activities, PT. Bank    Mega Tbk. memiliki 120 jaringan kerja yang terdiri      • Mega Depo Valas US and SIN Time Deposit           International Transactions
Mega Tbk. received awards from several parties,            dari kantor cabang, kantor cabang pembantu dan          • Mega Rencana Real/Pure Saving Account             Transaksi Internasional
including:                                                 kantor kas yang tersebar hampir di seluruh kota                                                             • Remittance
• The Best Bank from SWA magazine (based on                besar di Indonesia dan satu buah Priority Banking.      Loans                                               • Collection
   Economic Added Value concepts)                             Dalam perjalanan usahanya, PT. Bank Mega Tbk.        Pinjaman                                            • Trade Finance
• Banking Service Excellence based on a survey by          mendapat penghargaan dari berbagai pihak                • Kredit Korporasi dan Sindikasi
   Market Research Indonesia (MRI) working together        diantaranya:                                              Corporate and Syndication Loan                    Card Center
   with Infobank magazine                                                                                          • Kredit Modal Kerja                                • Credit Card Mega Visa
                                                           • Bank Terbaik versi majalah SWA (berdasarkan
                                                                                                                     Working Capital Loan                              • Debit and ATM Card Mega Pass
• The Bank with the Highest Asset Growth in the               konsep Economic Value Added)
                                                                                                                   • Kredit Modal Kerja Permanen
   Asia Pacific from Asiaweek magazine                     • Bank dengan Pelayanan Terbaik (Banking Service
                                                                                                                     Permanent Working Capital Loan                    Treasury / Global Service
• Best Issuer for the Banking Sector from Investor            Excellence) berdasarkan survey Market Research       • Kredit Investasi                                  • Foreign Exchange Transaction
   magazine                                                   Indonesia (MRI) bekerjasama dengan Majalah             Investment Loan                                     (Spot, Forward & Swap)
• Title of an Extremely Good Bank for the fifth year in       Infobank                                             • Kredit Rekening Koran                             • Money Market
   a row from Infobank magazine                            • Bank dengan Pertumbuhan Asset Tertinggi se-             Overdraft Facility                                • Marketable Securities/Bonds
                                                              Asia-Pasifik versi majalah Asiaweek                  • Kredit Pengusaha Kecil dan Mikro                  • SBI
     One item on the agenda of Bank Mega’s 2005            • Emiten Terbaik untuk Sektor Perbankan versi             Micro and Small Enterprise Loan
Extraordinary General Meeting of Shareholders                 Majalah Investor                                     • Kredit kepada Koperasi Primer dan Anggotanya      Other Services
(EGM) was the sale of Bank Mega’s subsidiary com-          • Predikat Bank yang Sangat Bagus selama 5 tahun          Primary Cooperative Loan                          Jasa Layanan lainnya
pany Mega Capital Indonesia, a company active in                                                                   • Kredit Konsumer Mega Otto Joint Financing         • Priority Banking
                                                              berturut-turut versi majalah Infobank
                                                                                                                     Consumer Mega Otto Joint Financing                • Trustee
the capital market sector. By acclamation, the EGM
                                                                                                                   • Jaminan dan Garansi Bank                          • Custodian
approved that Mega Capital Indonesia be sold to the             Salah satu agenda Rapat Umum Pemegang
                                                                                                                     Bank Guarantee                                    • Security Agent
PARA Group. Management carried out the sale of             Saham Luar Biasa/RUPSLB Bank Mega tahun 2005            • Mega Griya                                        • Settlement Bank
Mega Capital Indonesia based on the consideration          adalah penjualan anak perusahaan Bank Mega yaitu          Housing Loan                                      • Mega Cash Cash Facility at Counter
that it would be better to be more focused on the          Mega Capital Indonesia, sebuah perusahaan yang          • Mega Oto                                          • Mega O Automated Teller Machine
banking business.                                          bergerak di bidang pasar modal. Secara aklamasi           Car Loan                                          • Mega SDB Safe Deposit Box
                                                           RUPS menyetujui Mega Capital Indonesia dijual           • Mega Guna                                         • Mega Call Call Center and Phone Banking
                                                           kepada PARA Group. Manajemen melakukan pen-               Multi Purpose Loan                                • Mega Transactional Banking
                                                           jualan Mega Capital Indonesia didasari oleh pertim-     • Mega Reno                                         • Mega Payroll Employee Payroll Services
                                                           bangan bahwa agar dapat lebih fokus dalam bisnis          Renovation Housing Loan                           • Mega Internet Banking
                                                           perbankan.




86 | Bank Mega Annual Report 2005                                                                                                                                                                   Bank Mega Annual Report 2005 |   87
MANAGEMENT RESPONSIBILITY ON FINANCIAL REPORTS
Tanggung Jawab Manajemen atas Laporan Keuangan




Management Responsibility
on Financial Report
Tanggung Jawab Manajemen atas Laporan Keuangan




This annual report, including the financial               Laporan Tahunan ini, berikut laporan keuang-
reports and other related information is the              an dan informasi lain yang terkait merupakan
responsibility of the management of PT Bank               tanggung jawab manajemen PT. Bank Mega
Mega Tbk and as such has been signed by                   Tbk. dan ditandatangani oleh seluruh anggo-
all members of the Board of Commissioners                 ta Dewan Komisaris dan Dewan Direksi
and Board of Directors, whose names are                   di bawah ini.
shown below.


Board of Commissioners,              Board of Directors,
                                                                                                         Our Branch Network
                                                                                                         Jaringan Kantor dan Alamat




Chairul Tanjung                      Yungky Setiawan                     Kostaman Thayib
Chairman                             President Director                  Director




Gen. TNI Rtd.                        Beny Witjaksono                     Louis Sudarmana
Rudini (Deceased)                    Director                            Director
Commissioner




Achjadi Ranuwisastra                 Suwartini                           Daniel Budirahaju
Commissioner                         Director                            Director




Rachmat Maulana
Commissioner




88 | Bank Mega Annual Report 2005
OUR BRANCH NETWORK                                                                                                                                                                               OUR BRANCH NETWORK
Jaringan Kantor dan Alamat                                                                                                                                                                 Jaringan Kantor dan Alamat




KANTOR PUSAT / HEAD OFFICE          KANTOR CABANG JAKARTA             KANTOR CAPEM JAKARTA              KANTOR CAPEM JAKARTA                KANTOR CAPEM JAKARTA                 KANTOR CAPEM TANGERANG
Menara Bank Mega                    SAMPOERNA STRATEGIC (B)           GREEN GARDEN (SB)                 KRAMAT RAYA (SB)                    MANGGA DUA (SB)                      BSD (SB)
Jl. Kapten Piere Tendean            Sampoerna Strategic, Tower A,     Komplek Ruko Green Garden         Jl. Kramat Raya No 178 B            Komplek Ruko Harco Mangga Dua        Ruko BSD Sektor VII
Kav.12-14A Jakarta 12790            Lantai Dasar                      Blok I - 9 No 12A                 Jakarta Pusat                       Blok E 32,                           Blok RL No. 27
Tel. 021. 7917 5000 (Hunting),      Jl. Jendral Sudirman Kav. 45-46   Jl. Panjang                       Tel. 021. 314 4389                  Jl. Mangga Dua Raya                  Tangerang 15310
Fax. 021. 7918 7100                 Jakarta 12930                     Jakarta Barat 11520               Fax. 021. 314 4585                  Jakarta Pusat                        Tel. 021. 538 8208
Telex 65567 MEGAKP IA               Tel. 021. 577 1123 (Hunting)      Tel. 021. 580 0123                                                    Tel. 021. 600 0188 (Hunting)         Fax. 021. 538 8211
SWIFT ID MEGAIDJA                   Fax. 021. 577 2364                Fax. 021. 581 1506                KANTOR CABANG JAKARTA               Fax. 021. 612 3162
                                                                                                        KOTA (B)                                                                 KANTOR CAPEM JAKARTA
http//www.bankmega.com              membawahi / supervise :           KANTOR CABANG JAKARTA             Jl. Pintu Besar Utara No. 31-33     KANTOR CAPEM JAKARTA                 PASAR MINGGU (SB)
Megacall: 021. 7917 5555                                              GANI DJEMAT (B)                   Jakarta 10310                       TANJUNG DUREN (SB)                   Jl. Raya Pasar Minggu
                                    KANTOR CAPEM JAKARTA              Plaza Gani Djemat                 Tel. 021. 690 2667, 691 3083        Jl. Tanjung Duren Raya No. 98        Km 17 No. 5A
PRIORITY BANKING                    BENHIL (SB)                       Jl. Imam Bonjol No. 76-78         Fax. 021. 691 6465                  Blok L-IV, Kav. 290                  Jakarta Selatan
Menara Bank Mega Lantai 2           Jl. Benhil Raya No. 88            Jakarta 10310                                                         Jakarta 11470                        Tel. 021. 797 4337
Jl. Kapten Piere Tendean            Jakarta 10210                     Tel. 021. 3902 858-59 (Hunting)   membawahi / supervise :             Tel. 021. 564 5966                   Fax. 021. 7919 5646
Kav.12-14A Jakarta 12790            Tel. 021. 5795 1661               Fax. 021. 3190 1864                                                   Fax. 021. 564 5967
Tel. 021. 7917 5678 (Hunting),      Fax. 021. 5795 1663                                                 KANTOR CAPEM JAKARTA                                                     KANTOR CAPEM JAKARTA
Fax. 021. 7990 858                                                    membawahi / supervise :           HASYIM ASHARI (SB)                  KANTOR CAPEM JAKARTA                 KEMANG (SB)
                                    KANTOR CAPEM JAKARTA                                                Jl. K.H. Hasyim Ashari 9E           MUARA KARANG (SB)                    Wisma Bakrie CSU Lantai I
KANTOR CABANG JAKARTA               FATMAWATI (SB)                    KANTOR CAPEM JAKARTA              Jakarta 10130                       Jl. Muara Karang Raya No. 50 E       Jl. Kemang Raya No.4
TENDEAN (B)                         Jl. R.S. Fatmawati No. 80 E - F   GEDUNG JAYA (SB)                  Tel. 021. 632 9327 (Hunting)        Jakarta Utara                        Jakarta Selatan
Menara Bank Mega Lantai Dasar       Jakarta 12430                     Gedung Jaya Ground Floor          Fax. 021. 632 6585                  Tel. 021. 662 1018                   Tel. 021. 718 0771
Jl. Kapten Piere Tendean            Tel. 021. 7591 5141               Jl. MH. Thamrin No. 12                                                Fax. 021. 662 1155                   Fax. 021. 718 0773
Kav.12-14A Jakarta 12790            Fax. 021. 7591 4868               Jakarta 10340                     KANTOR CAPEM JAKARTA
Tel. 021. 7917 5888 (Hunting),                                        Tel. 021. 327 937, 327 928,       KEBON JERUK (SB)                    KANTOR CAPEM JAKARTA                 KANTOR CAPEM TANGERANG
Fax. 021. 7917 7222                 KANTOR CAPEM JAKARTA                         327 545 (Hunting)      Gedung Graha Kencana Lantai 1       LOKASARI (SB)                        DAAN MOGOT (SB)
                                    DUTA MAS (SB)                     Fax. 021. 328036                  Jl. Perjuangan No. 88               Komplek Pertokoan THR Lokasari       Jl. Daan Mogot No. 27B
KANTOR CABANG JAKARTA               Komp. Pertokoan Duta Mas                                            Kebon Jeruk                         Blok B 25 - 27                       Tangerang 15111
HASANUDIN (B)                       Fatmawati, Blok B1 No. 6          KANTOR CAPEM JAKARTA              Jakarta 11530                       Jl. Mangga Besar                     Tel. 021. 5577 2060
Gedung Dani Prisma Lantai 1         Jl. RS. Fatmawati 39              CHASE PLAZA (SB)                  Tel. 021. 5367 3982 (Hunting)       Jakarta 11170                        Fax. 021. 5577 2063
Jl. Sultan Hasanudin No. 47 - 48    Jakarta 12150                     Gedung Plaza Chase Lantai Dasar   Fax. 021. 5367 3979                 Tel. 021. 625 9886
Jakarta 12160                       Tel. 021. 723 3830 (Hunting)      Jl. Jend. Sudirman Kav. 21                                            Fax. 021. 659 1325                   KANTOR CAPEM JAKARTA
Tel. 021. 270 2772, 723 2772,       Fax. 021. 723 3783                Jakarta 12910                     KANTOR CAPEM JAKARTA                                                     WARUNG BUNCIT (SB)
           723 2727                                                   Tel. 021. 520 7110 (Hunting)      PLUIT (SB)                          KANTOR CAPEM JAKARTA                 Jl. Warung Buncit Raya 21 B
Fax. 021. 270 2773                  KANTOR CAPEM JAKARTA              Fax. 021. 520 7119                Jl. Pluit Kencana Raya No. 67       ITC MANGGA DUA (SB)                  Jakarta 12510
                                    GATOT SUBROTO (SB)                                                  Jakarta 14450                       ITC Mangga Dua Lantai 4              Tel. 021. 790 2530
KANTOR CABANG JAKARTA               Gedung Patra Jasa Lantai Dasar    KANTOR CAPEM JAKARTA              Tel. 021. 662 8873                  Blok A No. 14 - 15                   Fax. 021. 790 2532
GUNUNG SAHARI (B)                   Jl. Gatot Subroto No. 32-34       PASAR BARU (SB)                   Fax. 021. 662 8874                  Jl. Mangga Dua Raya
Gedung Konica Lt. 1                 Jakarta 12950                     Jl. Sukarjo Wiryopranoto No. 7A                                       Jakarta 14430                        KANTOR CAPEM TANGERANG
Jl. Gunung Sahari No. 78            Tel. 021. 5290 0222               Jakarta 11160                     KANTOR CAPEM JAKARTA                Tel. 021. 6230 0855                  CIPUTAT (SB)
Jakarta 10610                       Fax. 021. 5290 0225               Tel. 021. 601 1885-8 (Hunting)    JEMBATAN LIMA (SB)                  Fax. 021. 6230 0880                  Komplek Pertokoan
Tel. 021. 422 7671 (Hunting)                                          Fax. 021. 601 1883                Kompleks Ruko Jembatan Lima Indah                                        Megamal Ciputat
Fax. 021. 422 7617                  KANTOR CAPEM JAKARTA                                                No. 15E                             KANTOR CABANG JAKARTA                Jl. Ciputat Raya Blok A/3,
                                    BEJ (SB)                          KANTOR CAPEM JAKARTA              Jl. K.H. Mansyur                    RASUNA SAID (B)                      Ciputat 15
KANTOR CABANG JAKARTA               Gedung Bursa Efek Jakarta         TANAH ABANG (SB)                  Jakarta                             Menara Kadin Indonesia               Tangerang 15412
ROXY MAS (B)                        Tower II, Mezzanine Floor         Jl. Fachrudin Tanah Abang Bukit   Tel. 021. 633 1341 (Hunting)        Lantai Dasar                         Tel. 021. 744 4221
Pertokoan Roxy Niaga Mas            Jl. Jend. Sudirman Kav. 52 - 53   Blok C No. 49                     Fax. 021. 633 0785                  Jl. H.R. Rasuna Said                 Fax. 021. 744 3661
Blok B II No 1                      Jakarta 12190                     Jakarta 10200                                                         Blok X-3 Kav. 5
Jl. KH. Hasyim Ashari               Tel. 021. 515 2008, 515 2009,     Tel. 021. 392 6751 (Hunting)      KANTOR CAPEM JAKARTA                Jakarta 12950                        KANTOR CAPEM CIBUBUR (SB)
Jakarta 10150                             021. 515 2602.              Fax. 021. 324 088                 GLODOK (SB)                         Tel. 021. 5790 3637                  Komplek Ruko Citra Grand
Tel. 021. 633 4956, 633 4958        Fax. 021. 515 2603                                                  Kompleks Ruko Glodok Plaza          Fax. 021. 5790 3638                  Blok R1 No 16
Fax. 021. 633 4957                                                    KANTOR CAPEM JAKARTA              Blok G No. 5                                                             Jl. Raya Alternatif Cibubur 17435
                                    KANTOR CAPEM JAKARTA              TANJUNG KARANG (SB)               Jakarta 11150                       membawahi / supervise :              Tel. 021. 8459 2345
KANTOR CABANG BEKASI                PERMATA HIJAU (SB)                Gedung Bank Exim, Lantai Dasar    Tel. 021. 659 8088 (Hunting)                                             Fax. 021. 8452 345
A-YANI (B)                          Grand ITC Permata Hijau,          Jl. Tanjung Karang No.3-4A,       Fax. 021. 600 0113                  KANTOR CAPEM JAKARTA
Komplek Sentra Niaga Kalimalang     Ruko Emerald No. 9                Jakarta 10230                                                         BINTARO (SB)                         KANTOR CABANG JAKARTA
Blok A5 No,5                        Jl. Permata Hijau Jakarta 12210   Tel. 021. 230 5364 (Hunting)      KANTOR CAPEM JAKARTA                Ruko Bintaro Sektor I, Blok E - 20   KELAPA GADING (B)
Jl. Jend. Ahmad yani                Tel. 021. 5366 3522               Fax. 021. 230 5360                PANGERAN JAYAKARTA (SB)             Pasanggrahan                         Jl. Boulevard Barat
Bekasi 17144                        Fax. 021. 5266 3516                                                 Jalan Pangeran Jayakarta No.109 D   Bintaro                              Blok B LA 1 No. 5 - 6
Tel. 021. 8896 0133                                                   KANTOR CAPEM JAKARTA              Jakarta 11110                       Tel. 021. 735 1008 (Hunting)         Jakarta 14240
Fax. 021. 8896 0134                 KANTOR CAPEM JAKARTA              SENEN (SB)                        Tel. 021. 626 6735 (Hunting)        Fax. 021. 735 1012                   Tel. 021. 4585 4822
                                    CINERE (SB)                       Kompleks Segitiga Senen Blok C8   Fax. 021. 626 6683                                                       Fax. 021. 4585 4819
                                    Jl Cinere Raya, Blok A No. 1 B    Jl. Senen Raya No. 135                                                KANTOR CAPEM JAKARTA
                                    Cinere - Depok                    Jakarta 10410                                                         SAHARJO (SB)
                                    Tel. 021. 753 5438                Tel. 021. 385 5124 (Hunting)                                          Jl. Dr. Saharjo No. 107 C
                                    Fax. 021. 753 6148                Fax. 021. 385 2324                                                    Jakarta 12180
                                                                                                                                            Tel. 021. 830 5781- 2, 831 2268
                                                                                                                                            Fax. 021. 829 5198




90 | Bank Mega Annual Report 2005                                                                                                                                                        Bank Mega Annual Report 2005 |   91
OUR BRANCH NETWORK                                                                                                                                                                                 OUR BRANCH NETWORK
Jaringan Kantor dan Alamat                                                                                                                                                                   Jaringan Kantor dan Alamat




membawahi / supervise :             KANTOR CABANG JAKARTA                 KANTOR CAPEM SURABAYA             KANTOR CAPEM DENPASAR               KANTOR CABANG KEDIRI               KANTOR CABANG SURAKARTA
                                    PONDOK INDAH (B)                      KEMBANG JEPUN (SB)                UBUD (SB)                           ERLANGGA (B)                       SLAMET RIYADI (B)
KANTOR CAPEM BEKASI                 Pondok Indah Plaza 1                  Jl. Kembang Jepun No. 180-184     Jl. Raya Ubud, Desa Kutur No. 115   Jl. Erlangga No. 19                Jl. Slamet Riyadi No. 323
KALIMALANG (SB)                     Jl Taman Duta I Blok UA 14            Surabaya 60162                    Gianyar, Bali                       Kediri 64122                       Surakarta 57142
Komplek Ruko XML, No. 43 C          Jakarta 12310                         Tel. 031. 352 5343-46             Tel. 0361. 977 638                  Tel. 0354. 694 009 (Hunting)       Tel. 0271. 733 660
Jl. KH. Noer Ali (Kalimalang)       Tel. 021. 7591 1608                   Fax. 031. 355 2206                Fax. 0361. 977 636                  Fax. 0354. 694 010                 Fax. 0271. 733 662
Bekasi 17136                        Fax. 021. 7591 1607
Tel. 021. 864 0525 (Hunting)                                              KANTOR CAPEM SURABAYA             KANTOR KAS DENPASAR                 KANTOR CABANG YOGYAKARTA           membawahi / supervise :
Fax. 021. 864 0779                  membawahi / supervise :               KAPAS KRAMPUNG (SB)               LEGIAN (CO)                         SUDIRMAN (B)
                                                                          Jl. Kapas Krampung No. 162        Jl. Legian Koja No. 494 A           Jl. Jendral Sudirman No. 44        KANTOR CAPEM SURAKARTA
KANTOR CAPEM JAKARTA                KANTOR CAPEM DEPOK                    Surabaya 60133                    Denpasar 80361                      Yogyakarta 55224                   URIP SUMOHARJO (SB)
SUNTER (SB)                         ITC (SB)                              Tel. 031. 502 6033 (Hunting)      Tel. 0361. 757 710                  Tel. 0274. 548 622 (Hunting)       Jl. Urip Sumoharjo No. 47
Komplek Rukan Puri Mutiara          ITC Depok                             Fax. 031. 502 5977                                                    Fax. 0274. 548 623                 Solo
Blok A. No. 83                      Jl. Margonda Raya No. 56                                                KANTOR CABANG BANDUNG                                                  Tel. 0271. 662 668
Jl. Griya Utama Sunter Agung        Depok                                 KANTOR CAPEM SURABAYA             SUPERMAL (B)                        membawahi / supervise :            Fax. 0271. 662 601
Jakarta 14350                       Tel. 021. 7721 4436                   JEMUR ANDAYANI (SB)               Bandung Supermall Ground Floor
Tel. 021. 6530 6423-23              Fax. 021. 7721 4435                   Jl. Jemur Andayani No. 11 C       Blok A 60 - 62                      KANTOR CAPEM YOGYAKARTA            KANTOR CABANG PADANG
Fax. 021. 6530 6426                                                       Surabaya 60292                    Jl. Gatot Subroto No. 289           SRIWEDANI (SB)                     MOCH. YAMIN (B)
                                    KANTOR CABANG SURABAYA                Tel. 031. 843 4951 (Hunting)      Bandung 40273                       Jl. Sriwedani No. 6 ABC            Jl. Prof. Moch. Yamin No. 130
KANTOR CAPEM JAKARTA                YOS SUDARSO (B)                       Fax. 031. 843 4957                Tel. 022. 910 1072 (Hunting)        Yogyakarta 55122                   Padang 25118
CEMPAKA MAS (SB)                    Jl. Yos Sudarso No. 17                                                  Fax. 022. 910 1078                  Tel. 0274. 554 949 (Hunting)       Tel. 0751. 209 99
Rukan Graha Cempaka Mas             Surabaya 60271                        KANTOR CAPEM SURABAYA                                                              555 609               Fax. 0751. 230 99
Blok B No. 1                        Tel. 031. 531 0241, 531 0932,         SIDOARJO (SB)                     membawahi / supervise :             Fax. 0274. 557 420
Jl. Let. Jend. Suprapto                        535 2133                   Jl. A. Yani No. 41 - 43 Blok C                                                                           KANTOR CABANG LAMPUNG
Jakarta 10640                       Fax. 031. 548 0929                    Sidoarjo                          KANTOR CAPEM BANDUNG                KANTOR CABANG SEMARANG             LAKSMANA MALAHAYATI (B)
Tel. 021. 422 2929                                                        Tel. 031. 895 9787 (Hunting)      BUAH BATU (SB)                      PEMUDA (B)                         Jl. Laksamana Malahayati 24
Fax. 021. 422 2980                  membawahi / supervise :               Fax. 031. 895 9786                Jl. Buah Batu No. 141               Jl. Pemuda No. 108                 Teluk Betung,
                                                                                                            Bandung 40286                       Semarang 50133                     Bandar Lampung 35224
KANTOR CAPEM JAKARTA                KANTOR CAPEM SURABAYA                 KANTOR CABANG JOMBANG             Tel. 022. 732 2855 (Hunting)        Tel. 024. 358 7050 (Hunting)       Tel. 0721. 474 668 (Hunting)
RAWAMANGUN (SB)                     KERTAJAYA (SB)                        WACHID HASYIM (B)                 Fax. 022. 732 2856                  Fax. 024. 354 9371                 Fax. 0721. 474 670
Jl. Paus No. 89 B                   Jl. Kertajaya No. 65,                 Jl. K.H.Wachid Hasyim 181
Rawamangun                          Surabaya                              Jombang 61415                     KANTOR CAPEM BANDUNG                membawahi / supervise :            membawahi / supervise :
Jakarta 13220                       Tel. 031. 501 4655-7                  Tel. 0321. 861 473, 861 602,      PASIR KALIKI (SB)
Tel. 021. 475 3070, 475 2945        Fax. 031. 501 4653                               862 133 - 861 282      Jl. Pasir Kaliki No. 167            KANTOR CAPEM SEMARANG              KANTOR CAPEM LAMPUNG
Fax. 021. 475 6277                                                        Fax. 0321. 861 282                Bandung 40173                       PETERONGAN (SB)                    KARTINI (SB)
                                    KANTOR CAPEM SURABAYA                                                   Tel. 022. 600 2708 (Hunting)        Kompleks Ruko Plaza Peterongan     Jl. Kartini Blok B1 No. 25
KANTOR CAPEM JAKARTA                GRESIK (SB)                           KANTOR CABANG MALANG              Fax. 022. 600 2707                  Jl. MT. Haryono No 719 Blok A 12   Bandar Lampung
JATINEGARA (SB)                     Kompleks Pertokoan                    SUPRAPTO (B)                                                          Semarang                           Tel. 0721. 242 468
Jl. Jatinegara Timur Raya 101       Multi Sarana Karsa Blok A No. 08      Jl. Jaksa Agung Suprapto No. 27   KANTOR CAPEM BANDUNG                Tel. 024. 841 3255                 Fax. 0721. 242 471
Komplek Bona Gabe Blok A No. 5      Jl. Gubernur Suryo                    Malang 65111                      KOPO (SB)                           Fax. 024. 841 3236
Jakarta 13310                       Gresik 61116                          Tel. 0341. 361 653 (Hunting)      Kompleks Kopo Plaza Blok B No. 8                                       KANTOR CABANG PEKANBARU
Tel. 021. 851 5408                  Tel. 031. 397 9936 (Hunting)          Fax. 0341. 361 658                Jl. Peta/Lingkar Selatan            KANTOR CABANG MEDAN                SUDIRMAN (B)
Fax. 021. 851 5438                  Fax. 031. 398 2015                                                      Bandung 40264                       MAULANA LUBIS (B)                  Jl. Jenderal Sudirman No. 450
                                                                          membawahi / supervise :           Tel. 022. 600 2955 (Hunting)        Jl. Kapt. Maulana Lubis No. 11     Pekanbaru
KANTOR CAPEM                        KANTOR CAPEM SURABAYA                                                   Fax. 022. 600 2957                  Medan                              Tel. 0761. 885 888 (Hunting)
LIPPO CIKARANG (SB)                 KEDUNG DORO (SB)                      KANTOR CAPEM MALANG                                                   Tel. 061. 451 1618                 Fax. 0761. 885 757
Ruko Plaza Menteng Blok A6          Jl. Kedung Doro No. 105               GATOT SUBROTO (SB)                KANTOR CAPEM BANDUNG                Fax. 061. 455 5525
Jl. MH. Thamrin Lippo Cikarang      Surabaya 60261                        Jl. Gatot Subroto No. 21A         SETRASARI (SB)                                                         KANTOR CABANG SAMARINDA
Cikarang 17550                      Tel. 031. 535 4494 (Hunting)          Malang                            Setrasari Mal Ruko A7               membawahi / supervise :            AGUS SALIM (B)
Tel. 021. 8990 7877 (Hunting)       Fax. 031. 535 4530                    Tel. 0341. 343 877 (Hunting)      Jl. Ir. Sutami                                                         Jl. H. Agus Salim 3B-C
Fax. 021. 8990 7879                                                       Fax. 0341. 343 873                Bandung                             KANTOR CAPEM MEDAN                 Samarinda 75117
                                    KANTOR CAPEM SURABAYA                                                   Tel. 022. 200 9860 (Hunting)        MT. HARYONO (SB)                   Tel. 0761. 748 899 (Hunting)
KANTOR KAS BEKASI                   NGAGEL (SB)                           KANTOR CAPEM MALANG               Fax. 022. 200 9854                  Jl. MT. Haryono 144 - 146          Fax. 0761. 736 919
ELIZABETH (CO)                      Komplek RMI                           KAWI (SB)                                                             Medan 20212
Rumah Sakit Elizabeth Lt. Dasar     Jl. Ngagel Jaya Selatan               Jl. Terusan Kawi No. 2 Kav. 7     KANTOR CAPEM BANDUNG                Tel. 061. 415 7165 (Hunting)       membawahi / supervise :
Jl. Raya Narogong 202               Blok D – 12                           Malang 65146                      JUANDA (SB)                         Fax. 061. 415 7056
Kemang Pratama                      Surabaya 60284                        Tel. 0341. 576 234                Jl. Ir. H. Juanda No. 126 B                                            KANTOR CAPEM SAMARINDA
Bekasi 17116                        Tel. 031. 501 7115                    Fax. 0341. 576 232                Bandung                             KANTOR CAPEM MEDAN                 S. PARMAN (SB)
Tel. 021. 820 6399                  Fax. 031. 505 2956                                                      Tel. 022. 253 2129                  CIREBON (SB)                       Komplek Ruko Simpang
Fax. 021. 820 6590                                                        KANTOR CABANG DENPASAR            Fax. 022. 253 2017                  Jl. Cirebon No. 45                 Dr. Sutomo Petak 12
                                    KANTOR CABANG SURABAYA                TEUKU UMAR (B)                                                        Medan 20212                        Jl. S. Parman No. 1
KANTOR CABANG JAKARTA               SUNGKONO (B)                          Jl. Teuku Umar No. 263            KANTOR CAPEM BANDUNG                Tel. 061. 455 5525 (Hunting)       Samarinda 75123
SUNTER WISMA JUSTUS (B)             Kompleks Wonokitri Indah Kav. S 3-5   Denpasar 80113                    SUDIRMAN (SB)                       Fax. 061. 455 5508                 Tel. 0541. 201 222 (Hunting)
Wisma Justus Lantai Dasar           Jl. Mayjend Sungkono                  Tel. 0361. 233 236, 237 137       Komplek Ruko Sudirman Plaza                                            Fax. 0541. 202 048
Jl. Danau Sunter Utara              Surabaya 60225                        Fax. 0361. 237 136                Blok 91 F
Blok 03 No. 27 – 28                 Tel. 031. 561 9731 (Hunting)                                            Jl. Jend. Sudirman No. 66-68,
Jakarta 14350                       Fax. 031. 567 4654                    membawahi / supervise :           Bandung
Tel. 021. 6583 0032                                                                                         Tel. 022. 426 0117
Fax. 021. 6583 0783                 membawahi / supervise :                                                 Fax. 022. 426 0116


92 | Bank Mega Annual Report 2005                                                                                                                                                          Bank Mega Annual Report 2005 |   93
OUR BRANCH NETWORK
Jaringan Kantor dan Alamat




KANTOR CABANG JAMBI                 KANTOR CABANG CIREBON              KANTOR CABANG BOGOR (B)
GATOT SUBROTO (B)                   PANGERAN SURYANEGARA (B)           Jl. Ir. H. Juanda No. 38 - 40
Jl. Jenderal Gatot Subroto          Pertokoan Cirebon Grand Center     Bogor 16122
No. 102-104                         Jl. Pangeran Suryanegara           Tel. 0251. 356 545 (Hunting)
Jambi                               Blok D 10-11                       Fax. 0251. 356 546
Tel. 0741. 507 69 (Hunting)         Cirebon
Fax. 0741. 240 08                   Tel. 0231. 211 110 (Hunting)       KANTOR CABANG MADIUN (B)

KANTOR CABANG BALIKPAPAN
                                    Fax. 0231. 238 800                 Jl. Panglima Sudirman No. 23
                                                                       Madiun                                 Financial Statements with
AHMAD YANI (B)                      KANTOR CABANG BANJARMASIN          Tel. 0351. 483 678
Jl. Ahmad Yani No. 33 - 34
Balikpapan 76123
                                    LAMBUNG MANGKURAT (B)
                                    Jl. Lambung Mangkur
                                                                       Fax. 0351. 483 676                     Independent Auditor’s Report for
Tel. 0542. 441 516
           441 357 (Hunting)
                                    No. 45, 46 dan 48
                                    Banjarmasin
                                                                       KANTOR CABANG MATARAM (B)
                                                                       Jl. Pejanggik No. 129
                                                                                                              the years ended December 31st,
Fax. 0542. 441 586                  Tel. 0511. 336 6460 (Hunting)      Cakranegara

membawahi / supervise :
                                    Fax. 0511. 336 6462                Mataram 83231
                                                                       Tel. 0370. 648 988 (Hunting),
                                                                                                              2005 and 2004
                                    membawahi / supervise :                        649 002 (Direct)
KANTOR CAPEM BALIKPAPAN                                                Fax. 0370. 648 990                     Laporan Keuangan beserta Laporan Auditor
SUDIRMAN (SB)                       KANTOR CAPEM BANJARMASIN                                                  Independen tahun yang berakhir pada
Komplek Balikpapan Permai           A. YANI (SB)                       KANTOR CABANG
                                                                                                              tanggal-tanggal 31 Desember 2005 dan 2004
No. 9, Jl. Jenderal Sudirman        Jl. Jend. A. Yani Km. 36.5         PURWOKERTO (B)
Balikpapan 76114                    Banjarbaru - Banjarmasin           Komplek Ruko Kranji Megah
Tel. 0542. 443 448 (Hunting)        Tel. 0511. 478 7575                Jl. Jend. Sudirman No. 393
Fax. 0542. 443 449                  Fax. 0511. 478 7585                Purwokerto
                                                                       Tel. 0281. 642 726
                                                                                                              PT. Bank Mega Tbk.
KANTOR CABANG MAKASAR               KANTOR CABANG PALEMBANG            Fax. 0281. 642 741
ACHMAD YANI (B)                     KAPTEN A. RIVAI (B)
Jl. Ahmad Yani No. 7                Jl. Kapten A. Rivai No. 31F        KANTOR CABANG KUDUS (B)
Makasar                             Palembang 30129                    Komp. Pertokoan Ahmad Yani
Tel. 0411. 323 232 (Hunting)        Tel. 0711. 373 160 (Hunting)       No. 15
Fax. 0411. 336 122                  Fax. 0711. 354 140                 Jl. Ahmad Yani
                                                                       Kudus
membawahi / supervise :             membawahi / supervise :            Tel. 0281. 446 458
                                                                       Fax. 0281. 446 457
KANTOR CAPEM MAKASAR                KANTOR CAPEM PALEMBANG
ACHMAD YANI (SB)                    SAYANGAN (SB)                      KANTOR CABANG JEMBER (B)
Jl. Achmad Yani No. 43              Jl. Sayangan No. 72,               Jl. A. Yani No. 19
Makasar                             Kelurahan 16 Ilir                  Jember 68137
Tel. 0411. 318 356                  Palembang                          Tel. 0331. 481 010
Fax. 0411. 318 107                  Tel. 0711. 375 838                 Fax. 0331. 481 616
                                    Fax. 0711. 375 607
KANTOR CAPEM MAKASAR                                                   KANTOR CABANG KENDARI (B)
PANAKUKANG (SB)                     KANTOR CAPEM PALEMBANG             Jl. A. Yani No. 30 AB Blok A3-A4
Jl. Raya Boulevard Jasper II        PTC (SB)                           Kendari 93117
No. 45 C, Panakukang                Mal Palembang Trade Center (PTC)   Tel. 0401. 333 232
Makassar                            Blok 18                            Fax. 0401. 328 733
Tel. 0411. 425 036 (Hunting)        Jl. R. Sukamto No. 8A
Fax. 0411. 425 037                  Palembang 30114                    KANTOR CABANG BLITAR (B)
                                    Tel. 0711. 382 382                 Jl. Cempaka No. 14
KANTOR CABANG BATAM                 Fax. 0711. 382 234                 Blitar
IMAM BONJOL (B)                                                        Jawa Timur
Gedung Dana Graha                   KANTOR CABANG MANADO               Tel 0342. 816 398
Jl. Imam Bonjol, Nagoya             TENDEAN (B)                        Fax 0342. 816 397
Batam                               Kompleks Mega Mas
Tel. 0778. 459 075 (Hunting)        Blok I B1, No. 1
Fax. 0778. 450 362                  Boulevard Raya
                                    Manado 95111                       NOTE :
membawahi / supervise :             Tel. 0431. 840 011 (Hunting)       B = Branch,
                                    Fax. 0431. 840 017                 SB = Sub Branch,
KANTOR CAPEM BATAM                                                     CO = Cash Office.
MUKAKUNING (SB)                     KANTOR CABANG PONTIANAK (B)
Wisma Batamindo Lt. 1 No. 6,        Jl. H. Agus Salim No. 10 - 12      KAMI HADIR UNTUK MELAYANI ANDA
Jl. Rasamala 1, Mukakuning          Pontianak                          Kami masih akan mengembangkan ja-
Batam 29433                         Tel. 0561. 738 363,                ringan kantor cabang, sebagai komit-
Tel. 0770. 612 999                        0561. 739 822 (Hunting)      men Bank Mega menghadirkan layan-
Fax. 0770. 612 755                  Fax. 0561. 749 078                 an perbankan profesional untuk Anda.




94 | Bank Mega Annual Report 2005

								
To top