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  • Laporan Tahunan 2011 Annual Report 3

    PT Bank Agroniaga Tbk

    Daftar Isi Table of Content

    PENGANTAR TEMA INTRODUCTION

    INDIKATOR KINERJA PENTING KEY PERFORMANCE INDICATOR

    IKHTISAR KEUANGAN FINANCIAL HIGHLIGHTS

    IKHTISAR SAHAM SHARES HIGHLIGHTS

    KINERJA SAHAM SHARES PERFORMANCE

    KRONOLOGIS PENCATATAN SAHAM SHARES HISTORY

    PERISTIWA PENTING 2011 2011 SIGNIFICANT EVENTS

    PROFIL PERUSAHAAN COMPANY PROFILE

    LAPORAN PERTANGGUNGJAWABAN RESPONSIBILITY REPORT

    TINJAUAN OPERASIONAL OPERATIONAL REVIEW

    ANALISIS MANAJEMEN MANAGEMENT ANALYSIS

    Laporan Laba/Rugi Income Statement

    Neraca Bank Agro Bank Agro Balansheet

    TATA KELOLA PERUSAHAAN GOOD CORPORATE GOVERNANCE

    PERTANGGUNGJAWABAN LAPORAN TAHUNAN 2011 RESPONSIBILITY FOR ANNUAL REPORT 2011

    LAPORAN KEUANGAN FINANCIAL STATEMENT

    3

    4

    5

    6

    6

    7

    8

    10

    28

    38

    53

    55

    57

    67

    99

    101

  • Laporan Tahunan 2011 Annual Report4

    PT Bank Agroniaga Tbk

    Indikator Kinerja Penting Key Performance Indicator

    Kinerja Penting di Tahun 2011

    2011 Key Performance

    Laba Bersih (Jutaan Rp) Net Income (Million Rp)

    Dana Pihak Ketiga (Jutaan Rp) Third Party Funds (Million Rp)

    Kredit yang Diberikan - Bersih (Jutaan Rp) Agreements - Net (Million Rp)

    Aset (Jutaan Rp) Assets (Million Rp)

    Ekuitas (Jutaan Rp) Equity (Million Rp)

    2007 2007

    20072007

    2007

    (10,000)

    0 0

    1,600,0000

    0

    10,000 500,000

    1,650,000500,000

    50,000

    30,000

    20,000 1,000,000

    1,700,0001,000,000

    1,00,000

    1,500,000

    1,750,0001,500,000

    1,50,000

    2,000,000

    1,800,0002,000,000

    2,00,000

    2,500,000

    1,850,0002,500,000

    2,50,000

    3,000,000

    1,900,0003,000,000

    3,00,000

    1,950,000 3,500,000

    3,50,000

    2,000,000 4,000,000

    4,00,000

    40,000

    2008 2008

    20082008

    2008

    2009 2009

    20092009

    2009

    2010 2010

    20102010

    2010

    2011 2011

    20112011

    2011

  • Laporan Tahunan 2011 Annual Report 5

    PT Bank Agroniaga Tbk

    Ikhtisar Keuangan Financial Highlights

    Ikhtisar Keuangan di Tahun 2011

    Financial Highlight in 2011

    dalam jutaan Rupiah in million Rupiah

    Aset Assets

    Ekuitas Equity

    Kas Cash

    Giro Current Account

    Modal Saham Share Capital

    Kewajiban Segera Lainnya Other Liabilities on Demand

    Cadangan Umum General Reserves

    Kredit yang Diberikan – Bersih Agreements - Net

    Aset Tetap – Bersih Fixed Assests – Net

    Giro pada Bank Indonesia Current Account with Bank Indonesia

    Tabungan Savings

    Tambahan Modal Disetor Additional Paid Up

    Hutang Pajak Taxes Payable

    Saldo Rugi Accumulate Losses

    Surat-surat Berharga – Bersih Marketable Securities - Net

    Simpanan dari Bank Lain Other Bank’s Deposit

    Cadangan Tujuan Specific Reserves

    Pinjaman Subordinasi Subordinated Debt

    Estimasi Kerugian Komitmen dan Kontinjensi

    Estimated Loss of Commitment and Contingent

    Aset Lain-Lain Other Assests

    Giro pada Bank Lain – Bersih Current Account with Other Bank - Net

    Deposito Berjangka Time Deposit

    Laba yang Belum Direalisasi atas Surat-Surat Berharga dalam Kelompok Tersedia untuk Dijual

    Unrealized Profit (Losses) on Available for Sale Securities

    Pinjaman yang Diterima Borrowing

    Kewajiban Lain-Lain Other Liabilities

    Penyertaan – Bersih

    Aktiva Produktif

    Credit - Net

    Productive Assets

    Surat-surat Berharga yang Dibeli dengan

    Janji Dijual Kembali – Bersih

    Marketable Securities

    with Repurchased

    Aset Pajak Tangguhan Deferred Tax Assets

    Jumlah Aset Total Assests

    Total Kewajiban Total Liabilities

    Jumlah Ekuitas Total Equity

    Jumlah Saham Beredar (Lembar) Total Outstanding Shares

    dalam jutaan Rupiah in million Rupiah

    NERACA BALANCE SHEET 31 Desember

    2011 2010 2009 2008 2007

    31 Desember

    20.906 22.379 18.889 12.312 9.321

    193.386 211.138 136.349 111.046 204.691

    27.690 11.446 9.844 30.966 14.595

    1.408.662 806.164 758.254 255.672 660.375

    - - - 58.401 88.404

    1.740.063 1.859.382 1.904.945 1.964.361 1.879.614

    298

    3.332.228

    295

    2.980.422

    295

    2.861.080

    295

    2.443.772

    295

    2.689.915

    11.410 12.016 9.418 12.868 12.866

    78.740 124.768 137.898 128.259 98.972

    - 6.503 5.805 4.260 3.994

    685.189 472.171 441.100 315.498 372.513

    169.340 144.486 142.108 123.997 120.568

    1.911.797 1.770.212 1.871.090 1.723.837 2.044.365

    35.713 35.940 16.427 5.209 7.608

    7.292 7.378 17.100 7.050 9.080

    9.594 11.446 - 1.320 3.144

    241.458 243.012 87.252 128.431 151.084

    - - 3.780 7.038 10.296

    73.156 90.809 54.267 34.017 18.840

    - 352 678 404 164

    361.810 343.063 341.821 234.906 234.906

    13.389 7.947 8.000 695 695

    20.658 8.373 (163) - -

    117 117 117 117 117

    1.049 1.079 1.049 1.049 6.348

    (49.407) (82.263) (2.929) (5.128) (6.601)

    3.481.155 3.054.093 2.981.696 2.578.439 2.973.127

    3.133.539 2.776.795 2.633.802 2.346.801 2.737.662

    347.616 278.286 347.895 231.639 235.465

    3.618 3.431 3.418 2.349 2.349

    Interest Income

    Beban Operasional Lainnya

    Other Operating Expenses - Net

    Pendapatan/(Beban) Non Operasional – Bersih

    Profit Before Income Tax

    Pendapatan Bunga

    Interest and Other Expenses

    Pendapatan Bunga - Bersih

    Other Interest Income

    Laba Sebelum Pajak Penghasilan

    Laba Bersih

    Income Tax Estimation

    Net/(Loss) per Share

    Beban Bunga dan Lainnya

    Interest Income - Net

    Pendapatan Operasional Bersih

    Beban Operasional Lainnya – Bersih

    Non Operating Income/(Expenses) - Net

    Operating Income - Net

    Pendapatan Operasional Lainnya

    Other Operating Expenses

    Taksiran Pajak Penghasilan

    Laba/(Rugi) Bersih per Saham

    Net Profit

    LAPORAN LABA/RUGI PROFIT/LOSS STATEMENT 31 Desember

    2011 2010 2009 2008 2007

    31 Desember

    347.042 346.804 350.983 334.006 344.706

    (190.696) (189.083) (224.838) (224.659) (235.851)

    156.346 157.720 126.145 109.346 108.855

    10.396 7.096 8.334 30.222 4.153

    (124.627) (138.979) (123.410) (143.939) (116.374)

    (114.231) (131.883) (115.076) (113.717) (112.221)

    2.870

    42.115

    (6.455)

    25.837

    (6.465)

    11.068

    1.159

    (4.371)

    (696)

    (3.366)

    44.985 19.381 4.603 (3.211) (4.062)

    (12.129)

    9,28

    (5.355)

    4,10

    (2.404)

    0,9

    (615)

    (1.63)

    (1.877)

    (2.53)

    32.856 14.027 2.199 (3.826) (5.939)

  • Laporan Tahunan 2011 Annual Report6

    PT Bank Agroniaga Tbk

    Ikhtisar Saham Shares Highlights

    Rasio Keuangan Penting

    Kinerja Saham

    Key Financial Ratio

    Stock Performance

    Return On Average Asset

    Rasio Kredit Bermasalah - Bersih

    Net Interest Margin

    Imbal Hasil Atas Aset

    Harga Terendah per Saham (Rp)

    Harga Penutupan per Saham (Rp)

    Harga Tertinggi per Saham (Rp)

    Volume Perdagangan (ribu lembar)

    Lowest Price per Share (Rp)

    Closing Price per Share (Rp)

    Highest Price per Share (Rp)

    Trading Volume (thousand shares)

    Return On Average Equity

    Rasio Kecukupan Modal

    Loan to Deposits Ratio

    Imbal Hasil Atas Ekuitas

    Capital Adequacy Ratio

    Biaya Operasional/Pendapatan Operasional (Biaya terhadap Pendapatan)

    Marjin Bunga Bersih

    Operational Expense to Operating Income (Cost to Income)

    Rasio Dana Terhadap Kredit

    Non Performing Loan - Net

    RASIO KEUANGAN PENTING KEY FINANCIAL RATIO 31 Desember

    2011 2010

    2010

    I II III IV

    2010 2010 2010

    2009

    2011 2011 2011 2011

    2008 2007

    31 Desember

    TRIWULAN

    TAHUN

    1,39%

    113 123 155 175125 157 131 111

    125 193 180 168131 169 137 118

    158 197 225 210157 181 185 140

    1.404.782 741.208 652.202 201.14494.195.500 104.902.500 57.200.000 13.488.000

    0,67% 0,18% -0,11% -0,15%

    11,39% 4,17% 0,79% -1,67% -1,72%

    16,39% 14,42% 19,63% 12,58% 17,27%

    65,79% 86,68% 80,99% 94,36% 77,02%

    0,00% 1,84% 4,48% 3,36% 4,67%

    4,54% 5,03% 4,98% 4,06% 4,03%

    91,65% 95,97% 97,98% 101,47% 100,96%

    Tercatat (Listing) di BES : 30 Juni 2003 Tercatat (Listing) di BEI : -- Kode Saham di BES : AGRO Jumlah Saham Dicatatkan (Lembar) : 3.583.913.500

    Recorded (Listing) in BES : 30 Juni 2003 Recorded (Listing) in BES : -- Stock Code in BES : AGRO The Number of Listed Stocks (Shares) : 3.583.913.500

    2012 Feb Mar Apr Mei Jun Jul OktAgt NovSep Des

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