Maintaining Performancein a Year of Challenges

Daftar Isi Halaman

Ikhtisar Utama Main Overview 6 Sekilas Bank Ina Bank Ina At A Glance7 Piagam&SertifikatAwards & Certificates8 Kaleidoskop 2015 2015 Caleidoscope10 Kinerja dan Strategi 2015 2015 Performacen and Strategy12 Ikhtisar Data Keuangan Penting Financial Highlights18 Ikhtisar Saham Stock Overview Laporan Dewan Komisaris dan Direksi Board of Commissioners’ and Board of Directors’ Report 22 Laporan Dewan Komisaris Board of Commissioners’ Report28 Laporan Direksi Board of Directors’ Report35 Surat Pernyataan Anggota Dewan Komisaris dan Direksi Statement of

Members of the Board of Commissioners and Board of Directors Profil Perusahaan Company Profile 38 Identitas Perusahaan Corporate Identity41 Bidang Usaha Line of Business44 Visi, Misi dan Landasan Pencapaian Vision, Mission and Achievement Platform46 Sejarah Perseroan Company History47 Struktur Organisasi Organization Structure48 Struktur Kelompok Usaha Business Group Structure49 Uraian nama Pemegang Saham dan Prosentase Kepemilikan Shareholders’

Name and Ownership Percentage51 Pemegang Saham Yang Merupakan Institusi Institutional Shareholders54 ProfilDewanKomisarisBoard of Commissioners’ Profile59 ProfilDireksiBoard of Directors’ Profile66 Group Head62 Pimpinan Cabang dan Cabang Pembantu Branch Managers63 Kronologis Pencatatan Saham Shares Listing Chronology66 Nama & Alamat Lembaga dan Profesi Penunjang Pasar modal/ Name &

Address of Institution and Capital Market Supporting Professionals Kebijakan Dividen Dividend Policy68 Program Kepemilikan Saham Oleh Karyawan yang Dilaksanakan Perusahaan

(ESOP) Employees Shares Ownership Program69 Realisasi Penggunaan dana Hasil Penawaran Umum/Utilization of funds from

Public Offering70 Produk dan Jasa Products and Services74 Jaringan Kantor Network Offices

Analisa dan Pembahasan Manajemen Management Discussion and Analysis 79 Perekonomian Indonesia 2015 2015 Indonesian Economy82 Kinerja Perbankan Nasional 2015 National Banking Performance in 201584 Tinjauan Bisnis Bisnis View87 Kinerja Bank 2015 Bank Performance in 2015 Good Corporate Governance 98 Pendahuluan Introduction Penerapan Tata Kelola Perusahaan yang Baik Implementation of Good

Corporate Governance100 Dewan Komisaris Board of Commissioners104 Direksi Board of Directors125 Frekuensi Rapat Dewan Komisaris bersama Direksi Frequency of Joint Board

Meeting142 Fungsi Audit Intern Internal Audit 148 Fungsi Kepatuhan Compliance 147 Satuan Kerja Manajemen Risiko Risk Management Unit159 Penerapan Program APU & PPT Implementation of APU and PPT Program150 Pemegang Saham Pengendali Controlling Shareholders150 Kepemilikan Saham Anggota Dewan Komisaris dan Direksi/Shares Ownership

of Board of Commissioners and Board of Directors151 Hubungan Keuangan dan Hubungan Keluarga Anggota Financial and Family

Relationships between Member of151 Dewan Komisaris dan direksi Board of Comissioners and Board of Directors152 Paket/Kebijakan Remunerasi dan Fasilitas Lain Bagi Dewan Komisaris dan

Direksi/Remuneration Package Policy and Other Facilities For Board of Commissioners and Board of Directors

152 Share Option153 Rasio gaji Tertinggi & Terendah Highest & Lowest salary ratio153 Penyimpangan Internal (Internal Fraud)154 Permasalahan Hukum Legal issues155 Transaksi yang Mengandung Benturan Kepentingan Transactions with Conflict

of Interest156 Buy back Shares dan Buy Back Obligasi bank Shares Buy Back and Bank

Obligation Buy Back156 Penyediaan Dana Kepada Pihak Terkait (Related Party) dan penyediaan

Dana Besar dan Penyediaan Dana Besar (Large Exposure)Provision of Funds To Related Parties and Provision of Large Exposure Funds

157 Rencana Strategis Bank Bank’s Strategic Plan163 Fungsi Audit Eksternal External Audit163 Transparansi Kondisi Keuangan dan Non Keuangan Bank yang Belum

Diungkap dalam laporan Lainnya Financial and Non-Financial Transparency

Not Yet Reported164 Pemberian Dana Untuk Kegiatan Sosial Funding for Social Activities Kode Etik Code of Ethics165 Sekretaris Perusahaan Corporate Secretary166 Sistem Pengendalian Intern Internal Control System172 Whistle Blowing System174 Laporan Sistem Teknologi Informasi Information Technology Systems report175 Prospek dan Pengembangan Usaha 2016 Prospects and Business

Development in 2016 Manajemen Risiko Risk Management 177 Pendahuluan/Introduction178 Penerapan Manajemen Risiko/Implementation of Risk Management179 Pengungkapan Permodalan dan Eksposur Risiko/Disclosure of Capital and Risk

Exposure Sumber Daya Manusia Human Resources Development Corporate Social Responsibility