LAPORAN TAHUNAN - MNC Financial Services
BUILDING ASTRONGERFOUNDATIONLAPORAN TAHUNANANNUAL REPORTPT MNC Kapital Indonesia TbkFINANCIAL SERVICES
Sumber Daya Manusia dan Teknologi InformasiHuman Resources and Information TechnologyTheme Continuity2017LAPORAN TAHUNANANNUAL REPORTBuilding A Stronger FoundationPada tahun 2017, PT MNC Kapital Indonesia Tbk (“Perseroan”) telah mengambil langkah-langkah yang diperlukan untukmemperkuat landasan pertumbuhan. Di antara langkah-langkah Perseroan dalam memperkuat landasan ini adalah denganmembangun sistem manajemen risiko dan infrastruktur teknologi informasi, menawarkan beragam produk dan layanan yanglebih responsif, inovatif dan bersaing dengan tujuan untuk meraih keunggulan dan mencapai pertumbuhan yang kuat untuktahun-tahun berikutnya.2017BUILDING A STRONGER FOUNDATIONFINANCIAL SERVICESnancial Center 21st FloorKebon Sirih Kav. 21-27Jakarta 10340INDONESIAP. 62 21 2970 9700F. 62 21 3983 6886mncfinancialservices.comTanggung Jawab Sosial PerusahaanCorporate Social ResponsibilityKESINAMBUNGAN TEMABUILDING ASTRONGERFOUNDATIONNCIAL SERVICESNC Kapital Indonesia TbkTata Kelola PerusahaanCorporate GovernanceLAPORAN TAHUNANANNUAL REPORTPT MNC Kapital Indonesia TbkFINANCIAL SERVICESDengan membangun fondasi yang lebih kuat, Perseroan berupaya untuk mengubah tantangan yang ada saat ini menjadi peluangdi masa datang dan mempertahankan posisi Perseroan sebagai yang terdepan di industri jasa keuangan yang sangat dinamis.In 2017, PT MNC Kapital Indonesia Tbk (“the Company”) has taken the necessary steps to strengthen its foundation of growth.Among the Company’s initiatives in strengthening the foundation was developing the system for risk management and ITinfrastructure, offering more agile, more innovative and more competitive products and services with the aim of pursuingexcellence and achieving solid growth for years to come.Through “Building A Stronger Foundation”, the Company strive to transform the challenges of today into the opportunities oftomorrow and maintain the Company’s position to stay at the forefront in its highly dynamic financial services industry.2016Strengthening Capacities and CapabilitiesManajemen Perseroan telah menetapkan serangkaian strategi percepatan pengembangan bisnis melalui peningkatan kinerjaentitas anak di tahun 2016, dengan berfokus pada penguatan kapasitas dan kapabilitas di masing-masing entitas anak Perseroan.Beberapa strategi kunci yang dilaksanakan antara lain dengan memperkuat struktur permodalan, melanjutkan sinergi antar entitas anak antara lain melalui cross-selling product, sharing database management, system development, business process improvement, incentive program untuk kegiatan pemasaran bersama, melanjutkan rencana digitalisasi seluruh unit usaha financialservices, serta integrasi dan standarisasi kantor-kantor entitas anak di beberapa kota besar di Indonesia.The Company’s Management has set out a series of business development acceleration strategies through subsidiaries’ performance enhancement in 2016, focusing on “Strengthening Capabilities and Capacities” of each Company’s subsidiaries. The Company has executed a number of key strategies during 2016 by strengthening capital structure, continuing synergy between subsidiaries, among others through cross-selling products, sharing database management, system development, business processimprovement, and incentive programs for joint marketing activities, continuing digitalization plans in the entire financial servicesbusiness, and office integration and standardization of subsidiaries in several major cities in Indonesia.2015Business Transformation for Service ExcellenceBisnis Perseroan yang bergerak di bidang jasa keuangan menempatkan konsumen sebagai salah satu pilar penting, bersamadengan layanan yang prima. Karena itulah, selain memberikan layanan jasa keuangan yang terintegrasi, Perseroan juga melakukantransformasi bisnis yang berbasiskan teknologi informasi dan digital. Transformasi ini sejalan dengan tuntutan era teknologi saat iniuntuk semakin menunjang kebutuhan konsumen atas layanan jasa keuangan yang serba cepat, mudah, dan efisien.Selain itu, transformasi berbasis digital ini juga terus dikembangkan oleh Perseroan sejalan dengan upaya memantapkan posisiPerseroan sebagai “The Most Integrated Financial Services in Indonesia”. Akhirnya, beragam inovasi, investasi, dan sinergi yangdilakukan Perseroan bertujuan untuk memperkuat pilar penting dalam bisnis yang dijalani, yaitu memberikan layanan yangprima bagi konsumen.The Company’s main business is in the financial services sector, which focuses on providing excellent service to customers. This is why, inaddition to providing integrated financial services, the Company has undertaken a business transformation based on digital informationtechnology. This transformation is in line with the recent demand for technology in order to further support customer demand for quick,easy, and efficient financial services.Moreover, this digital-based transformation is being pursued in line with the Company’s efforts to solidify its position as “The MostIntegrated Financial Services in Indonesia”. Eventually, the Company’s numerous investments, innovations, and synergies aredirected at supporting its most important business pillar, namely service excellence.2014Integrated Financial SolutionsKehadiran MNC Bank dan MNC Leasing pada tahun 2014 dalam struktur grup usaha Perseroan, membuat fondasi bisnis usahaPerseroan sebagai perusahaan yang bergerak di bidang solusi jasa keuangan terintegrasi semakin kokoh. Kemampuan Perseroandalam menyediakan jasa keuangan bagi konsumen pun semakin lengkap, dengan adanya MNC Securities, MNC Asset Management, MNC Finance, MNC Life, MNC Insurance, MNC Bank, dan MNC Leasing.The presence of MNC Bank and MNC Leasing in the corporate structure of the Company in 2014 strengthened the business foundation of the Company as the provider of an integrated nancial solution. The Company’s ability to provide nancial services forits customers become more complete, through the existence of MNC Securities, MNC Asset Management, MNC Finance, MNC Life,MNC Insurance, MNC Bank, and MNC Leasing.PT MNC Kapital Indonesia Tbk1Laporan Tahunan Annual Report 2017
Ikhtisar KinerjaPerformance HighlightsProfil PerusahaanCompany ProfileAnalisis dan Pembahasan ManajemenManagement Discussion and AnalysisDAFTAR ISITable of ContentsKesinambungan TemaTheme Continuity1Struktur OrganisasiOrganization Structure51Daftar IsiTable of Contents2Visi, Misi, dan Budaya PerusahaanVision, Mission, and Company Culture52Profil Dewan KomisarisBoard of Commissioners’ Profiles56Profil DireksiBoard of Directors’ Profiles60Profil Komite di Bawah KomisarisProfile of Committees Under the Board of Commisioners66IKHTISAR KINERJAPerformance Highlitghts4Ikhtisar KinerjaPerformance Highlights6Profil Pejabat EksekutifExecutive’s Profile69Peristiwa Penting PerseroanSignificant Corporate Events12Direksi Entitas AnakSubsidiaries’ Directors71Peristiwa Penting Entitas AnakSignificant Subsidiaries’ Events13Profil KaryawanEmployees’ Profile72Penghargaan dan/atau Sertifikasi PerseroanCompany’s Awards and/or Certification17Struktur Korporasi dan Kepemilikan SahamCorporate and Shareholders’ Structure76Penghargaan dan/atau Sertifikasi Entitas AnakSubsidiaries’ Awards and/or Certification18Komposisi Pemegang SahamShareholders Composition77Laporan Dewan KomisarisBoard of Commissioners’ Report22Daftar Entitas Anak dan/atau Entitas AsosiasiList Of Subsidiaries and/Or Associated Entities79Laporan DireksiBoard of Directors’ Report28Kronologi Pencatatan SahamShare Listing Chronology90Kronologi Pencatatan ObligasiBond Listing Chronology94Kronologi Pencatatan Efek LainnyaOther Securities Listing Chronology95Lembaga dan Profesi Penunjang Pasar ModalCapital Market Institution and Supporting Professionals96Akses InformasiInformation Access97PROFIL PERUSAHAANCompany Profile38Jejak LangkahMilestone40Identitas PerusahaanCompany Identity42Riwayat Singkat PerusahaanBrief History of The Company43Brand PerusahaanCorporate Brand44Bidang UsahaLine of Business45Tinjauan Kinerja OperasionalOperational Performance Overview118Peta Wilayah OperasionalOperational Area Map48Tinjauan Kinerja KeuanganFinancial Performance Overview127Inovasi Outlet/ATM/ProdukOutlet/ATM/Product Innovation50Laporan Tahunan Annual Report 2017ANALISIS DAN PEMBAHASANMANAJEMENManagement Discussion andAnalysis298PT MNC Kapital Indonesia Tbk
Sumber Daya Manusia dan Teknologi InformasiHuman Resources and Information TechnologyTata Kelola PerusahaanCorporate GovernanceTanggung Jawab Sosial PerusahaanCorporate Social ResponsibilityDAFTAR ISITable of ContentsSUMBER DAYA MANUSIA DANTEKNOLOGI INFORMASIHuman Resources andInformation Technology152Sumber Daya ManusiaHuman Resources154Teknologi InformasiInformation Technology162Akses Keterbukaan Informasi PerseroanAccess to Company's Disclosed Information269Kode EtikCode of Conduct271Sistem Pelaporan PelanggaranWhistleblowing System274TANGGUNG JAWAB SOSIALPERUSAHAANCorporate Social Responsibility276164Surat Pernyataan Anggota Dewan Komisaris dan Direksi tentangTanggung Jawab atas Laporan Tahunan 2017 PT MNC KapitalIndonesia TbkThe Board of Commissioners’ and The Board of Directors’ Statementof Responsibility for the 2017 Annual Report of PT MNC KapitalIndonesia Tbk288Manfaat Implementasi Tata Kelola Bagi PerseroanBenefits of Corporate Governance Implementation for the Company166289Dasar Penerapan Corporate GovernanceCorporate Governance Implementation Basis167Laporan Keuangan Konsolidasian dan Laporan AuditorIndependenConsolidated Financial Statements and Independent Auditor’s ReportPeningkatan Kualitas Tata Kelola Secara BerkelanjutanContinuous Quality Improvement of Corporate Governance170Pelaksanaan Penerapan Aspek dan Prinsip Tata KelolaPerusahaan Sesuai Ketentuan Otoritas Jasa KeuanganImplementation of Corporate Governance Aspects and PrinciplesBased on Financial Services Authority Provisions174Struktur dan Mekanisme Tata KelolaCG Structure and Mechanism180Penerapan Tata Kelola dan Manajemen Risiko TerintegrasiImplementation of Integrated Governance and Risk Management245Unit Audit InternalInternal Audit Unit251Manajemen RisikoRisk Management258Manajemen ModalCapital Management261Sistem Pengendalian InternalInternal Control System263Fungsi KepatuhanCompliance Function266Permasalahan HukumLegal Issues269TATA KELOLA PERUSAHAANCorporate GovernancePT MNC Kapital Indonesia TbkReferensi Silang Peraturan OJKOJK Cross Reference3iLaporan Tahunan Annual Report 2017
Ikhtisar KinerjaPerformance HighlightsLaporan Tahunan Annual Report 2017Profil PerusahaanCompany Profile4Analisis dan Pembahasan ManajemenManagement Discussion and AnalysisPT MNC Kapital Indonesia Tbk
Sumber Daya Manusia dan Teknologi InformasiHuman Resources and Information TechnologyTata Kelola PerusahaanCorporate GovernanceTanggung Jawab Sosial PerusahaanCorporate Social ResponsibilityIKHTISARKINERJAPerformance HighlightsPT MNC Kapital Indonesia Tbk5Laporan Tahunan Annual Report 2017
Ikhtisar KinerjaPerformance HighlightsProfil PerusahaanCompany ProfileAnalisis dan Pembahasan ManajemenManagement Discussion and AnalysisIKHTISAR KINERJAPerformance HighlightsIkhtisar Data Keuangan PentingFinancial Highlights DataIkhtisar KeuanganFinancial HighlightsIkhtisar KeuanganFinancial Highlights(dalam juta Rupiah)(in million n Posisi Keuangan Konsolidasian Consolidated Financial StatementsAset AssetsKas dan setara kasRekening bank yang dibatasi penggunaannyaDeposito yang dijadikan jaminan padaLembaga Kliring dan Penjaminan EfekIndonesiaPiutang pada Lembaga Kliring danPenjaminan Efek 46Cash and cash equivalents--100.000-215.194Restricted cash-in bank7.0126.6596.2715.9325.514Deposits used as collateral with Instituteof Clearing and Settlement Guarantee forSecurities Companies in bles from Institute of Clearingand Settlement Guarantee for SecuritiesCompanies in Indonesia---11-Related d partiesPiutang nasabahPihak berelasiPihak ketigaReceivables from customersEfek-efekPihak berelasiPihak 2Related Third partiesPiutang pembiayaanPihak berelasiPihak ketigaCadangan kerugian penurunan nilaiFinancing Receivables184.885197.75580.01640.08141.986Related Third wance for impairment lossesKreditLoansPihak ketiga7.056.0547.915.5577.038.1776.186.398-Third partiesCadangan kerugian penurunan nilai(331.116)(52.521)(37.962)(128.402)-Allowance for impairment 2.170361.311Third e for impairment lossesPiutang pembiayaan MurabahahPihak berelasiPihak ketigaCadangan kerugian penurunan nilaiMurabahah Financing receivablesPiutang pembiayaan Musyarakah MutanaqisahPihak ketigaCadangan kerugian penurunan nilaiMusyarakah Mutanaqisah Financing receivables of169.12085.982---Third parties(247)(360)---Allowance for impairment losses34.9939.6805.84019.99812.604Premi dan aset reasuransiPihak berelasiRelated partiesPremiums and reinsurance assetsRelated partiesPihak ketiga424.687372.789332.889304.397182.890Third partiesCadangan kerugian penurunan nilai(10.577)(9.378)(8.120)(841)(327)Allowance for impairment lossesAset tetap – bersih263.440224.300200.743149.00749.702Property and equipment – net59.23077.967121.294177.856141.824Al – Ijarah assets – netAset Al – Ijarah – dwillAset Pajak d Tax AssetsAset r AssetsJumlah 890Total AssetsLaporan Tahunan Annual Report 20176PT MNC Kapital Indonesia Tbk
Sumber Daya Manusia dan Teknologi InformasiHuman Resources and Information TechnologyTata Kelola PerusahaanCorporate GovernanceTanggung Jawab Sosial PerusahaanCorporate Social ResponsibilityIKHTISAR KINERJAPerformance HighlightsIkhtisar KeuanganFinancial HighlightsUraian(dalam juta Rupiah)(in million Rupiah)20172016201520142013DescriptionLiabilitas LiabilitiesSimpananPihak berelasiPihak ketigaSimpanan dari bank lainLiabilitas segeraUtang Kepada Lembaga Kliring danPenjaminan Perusahaan Efek ted parties8.443.5159.510.3668.818.6466.815.214-Third parties197.257507.316500.705235.948-Deposits from other banks14.72633.26614.12721.140-Liabilities immediately payable165.18997.371Payables to Institute of Clearing andSettlement Guarantee for SecuritiesCompany in Indonesia172.534121.023195.519Utang omers PayablesUtang reasuransi dan utang ance and other payablesUtang pajak27.05628.36230.13022.57619.132Taxes ce and investment contracts ans from bank and non-bank financialinstitutionsUtang Al – syarakah loanUtang Al – dharabah loan321.303Bonds payables and medium term notes–netLiabilitas kontrak asuransi dan investasiUtang bank dan institusi keuangan non bankUtang obligasi dan medium term notes –bersih294.208254.082281.508280.990Utang sewa pembiayaan47.39417.66416.12711.7185.264Obligations under finance leaseLiabilitas imbalan pasca kerja73.59565.91153.90557.87611.110Employee benefit obligation204.503272.66235.026113.7166.428Other liabilities----363.500Advance payment of capital 91.209Total LiabilitiesLiabilitas lain-lainUang muka setoran modalJumlah LiabilitasEkuitas EquityModal saham – nilai nominal Rp100 per sahamModal dasar – 15.000.000.000 sahamModal ditempatkan dan disetor penuh pada31 Desember 2017, 2016, 2015, 2014, 2013Tambahan modal disetorModal lain-lain – Opsi saham karyawanCapital stock – per value of Rp100 per share547.284547.284468.939400.318136.434Authorized – 15,000,000,000 sharesIssued and fully paid in December 31, 2017,2016, 2015, 2014, itional paid-in capital26.53217.0046.4725.67211.790Other capital –Employee stock option(131.113)(78.467)(17.211)(44.415)6.339Other equity 59)(17.559)(16.347)(21.940)(20.807)Less cost of treasury stock in December 31,2017, 2016, 2015, 2014, 2013Kepada pemilik entitas e owners of the CompanyKepentingan non ntrolling interestsKomponen ekuitas lainnyaSaldo labaDitentukan penggunaannyaBelum ditentukan penggunaannyaDikurangi biaya perolehan saham yangdiperoleh kembali pada 31 Desember 2017,2016, 2015, 2014, 2013Retained earningsEkuitas yang dapat diatribusikanJumlah EkuitasJumlah Liabilitas dan EkuitasPT MNC Kapital Indonesia TbkEquity 1.681Total 2.890Total of Liabilities and Equity7Laporan Tahunan Annual Report 2017
Ikhtisar KinerjaPerformance HighlightsProfil PerusahaanCompany ProfileAnalisis dan Pembahasan ManajemenManagement Discussion and AnalysisIKHTISAR KINERJAPerformance HighlightsIkhtisar KeuanganFinancial Highlights(dalam juta Rupiah)(in million n Laba Rugi dan Penghasilan Komprehensif Lain KonsolidasianConsolidated Statements of Profit or Loss and Other Comprehensive IncomePendapatanRevenuesBunga dan dividenPendapatan pembiayaan dan sewa erest and ing income and operating leasePendapatan premi bersih306.505314.785279.814358.763256.207Net premium incomePendapatan murabahah dan ah and Musyarakah incomePendapatan Manajemen Investasi95.368104.55840.3651.08913.563Investment banking IncomeKomisi perantara pedagang efek48.76246.26634.36347.01258.125Brokerage commissionJasa Manager Investasi25.28422.12828.25241.75074.531Investment Management feesPendapatan sewa Al – Ijarah – bersih3.51820.05621.76719.02310.042Al-Ijarah lease income - netPendapatan bunga5.73210.4837.21311.01416.173Interest al RevenuesJumlah PendapatanBebanBeban umum dan 487.425)(333.763)General and administrative expensesBeban Interest expensesKlaim dan 8)Claims and haria Profit Sharing ExpensesBeban bagi hasil syariahPenurunan nilaiKomisi ment Losses(19.598)(39.767)(32.905)(41.592)(57.400)Net commissionBeban k chargesLain-lain – s – 553)Total t (Loss) Before Tax243.09018.85412.299(26.819)(19.570)Income tax benefit - Net(737.629)(38.941)(38.336)29.3425.645Jumlah BebanLaba (Rugi) Sebelum PajakManfaat (Beban) Pajak – BersihLaba (Rugi) Bersih Tahun BerjalanPenghasilan Komprehensif Lain Setelah PajakProfit (Loss) Net Current YearOther Comprehensive Income, Net of TaxPos yang tidak akan direklasifikasi ke labarugi – Pengukuran kembali atas kewajibanimbalan pasti(117)(1.595)3.953(117)-Item
LAPORAN TAHUNAN ANNUAL REPORT BUILDING A STRONGER FOUNDATION 2017 ANNUAL REPORT LAPORAN TAHUNAN PT MNC Kapital Indonesia Tbk BUILDING A STRONGER FOUNDATION 2017 2016 2015 2014 Building A Stronger Foundation Pada tahun 2017, PT MNC Kapital Indonesia Tbk (“Perseroan”) telah mengambil langkah-langkah yang diperlukan untuk memperkuat landasan .
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